How to get the right to choose a pension and to receive two pensions at the same time?


Russian pension abroad

A pension is the result of what a person has earned over the years of his working life. And if a person has Russian citizenship or a residence permit, a certain insurance period, a pension coefficient not lower than a certain level, and he has reached retirement age, such a person has the right to receive an old-age insurance pension.

As you can see, among the requirements there is no mandatory residence in Russia. This is true, and more than 330 thousand Russian pensioners living in 129 countries of the world

- confirmation of this. Moreover, several years ago the authorities recognized that even registration (that is, registration at the place of residence) is not necessary to assign a pension. A pension is what a person has earned, so he receives it regardless of his location.

Traveling abroad does not deprive a person of the right to receive a pension

, but various technical problems cannot be ruled out (such as unfavorable currency conversion rates, the inability to withdraw money from the Mir card abroad, etc.). Therefore, it is important to know the rules by which pensioners abroad receive a Russian pension.

People can live in another country for various reasons. This, for example, is a more favorable climate, low prices, living with a family who previously left for permanent residence in another country. By the way, NTV recently talked about several pensioners from Russia who settled well in Thailand, Egypt and other hot countries on 15-20 thousand rubles a month.

But even if they leave for permanent residence, Russians abroad for the first time receive a maximum of a residence permit - which does not always give the right to a pension. And in order to live for several years before receiving a passport, you cannot do without a Russian pension

.

You can’t just pick up and leave without warning anyone. The fact is that pension legislation establishes several grounds for suspending payments

pensions. Among other things, these are:

  • failure to receive a pension for 6 consecutive months;
  • those receiving a disability pension - in case of failure to appear for re-examination on time;
  • students over 18 years of age receiving a survivor's pension - failure to provide proof of study (including abroad);
  • receipt of documents on the pensioner’s departure for permanent residence abroad, if he has not previously submitted a corresponding application.

Accordingly, if a pensioner receives a pension, for example, via mail or on a Mir card, he will not be able to receive it abroad, and after six months the payment will stop

.

With recipients of a disability pension, it is even more complicated - they actually receive a disability group indefinitely upon reaching retirement age, and before that it will be problematic to leave for a long time.

Therefore, any pensioner must ensure in advance that the payment of his pension does not stop when he is abroad.

The pension stays with the person

Let’s say right away that paying pensions abroad is one of the responsibilities of the Russian Pension Fund.

Thus, the Russian pension for those living abroad is due to our fellow citizens and foreigners within the framework of the system of maintaining pension rights:

  1. When changing your country of residence.
  2. According to international treaties on social security.

It turns out that pensions for citizens living abroad, which were assigned by the Pension Fund, are paid independently:

  • from the country of residence;
  • citizenship/nationality of the pensioner.

The exception is social pensions provided by the state.

Categories of citizens with the right to two pensions

Pension payments are calculated based on the provisions of the Labor Code of the Russian Federation and Federal Law of the Russian Federation No. 166-FZ and No. 4468-1-FZ. The following have the right to receive 2 types at once:

  • disabled people injured during combat operations;
  • persons participating in the Second World War (with the exception of citizens not involved in the army);
  • parents of military personnel who died while serving or serving in the ranks of the RF Armed Forces (what exactly caused the death of the serviceman does not matter);
  • military widows who did not enter into a legal marriage after their death (they are given an old-age pension and benefits related to the loss of a breadwinner);
  • citizens who survived the siege of Leningrad (money is paid for old age and disability);
  • persons who liquidated the accident at the Chernobyl nuclear power plant, victims of radiation, as well as their relatives;
  • citizens involved in the space sector, relatives;
  • officers (receive disability benefits and long service benefits);
  • civil servants working at a federal-level enterprise.

double pension

According to the new bill submitted to the State Duma of the Russian Federation, it is proposed to pay double benefits to:

  • family members of the liquidators of the Mayak accident (in case they become unable to work);
  • family members of citizens involved in eliminating the consequences of radiation contamination of territories along the Techa River, who were unable to work.

The initiative is currently under consideration by deputies. It is possible that the list of persons entitled to double benefits will be expanded.

If social payments are not made or are not issued in full, a citizen entitled to them may apply to the court.

Insurance payment and long-service pension

People can simultaneously receive insurance accruals and benefits due to them for their length of service. The first type is part of the labor pension existing until 2020. It is designed to compensate the citizen for the loss of wages and work in general. From this period, ordinary labor pensions were divided into funded and insurance parts. Only working citizens can count on the latter. If a person has never worked officially, then he is entitled to only the social part.

Long service benefits are assigned:

  • military personnel;
  • medical workers;
  • teachers;
  • officials;
  • pilots involved in equipment testing;
  • employees of the Ministry of Internal Affairs and the Federal Penitentiary Service;
  • citizens who worked in the Ministry of Emergency Situations;
  • municipal employees;
  • actors and persons associated with theatrical activities;
  • miners.

The amount of insurance benefits and long-service payments depends on length of service. The higher it is, the higher the final amount.

Insurance coverage and survivor's benefits

This is a type of insurance payment provided to citizens who are left without means of subsistence as a result of an accident that occurs with the only person working in the family. All insured citizens can receive such support; benefits are given to close relatives who have lost their breadwinner (regardless of whether they have an insurance policy).

The amount of financial assistance is determined by the taken into account pension points received by the deceased employee (breadwinner). The amount of insurance coverage depends on the employee’s length of service and the number of monthly insurance contributions.

Two pensions for Chernobyl victims

Citizens affected by the accident at the Chernobyl nuclear power plant are entitled to the following types of benefits:

  • for length of service;
  • for loss of a breadwinner;
  • social;
  • insurance;
  • on disability;
  • by old age.

Two pensions can be received by military personnel or citizens who were involved in the liquidation of an accident and were injured in the process. Such persons are accrued 2 types of benefits at once, for example, for length of service and as a disabled person. But all the required allowances are transferred only to one of the types of pensions (the one that is larger in size).

Payment of pensions to Russian citizens abroad

Citizens who have earned the right to a Russian pension, who live outside the Russian Federation or are just planning to move to another country, in 2020 must be guided by the following regulatory documents:

  • Law of the Russian Federation of December 15, 2001 No. 166-FZ “On state pension provision in the Russian Federation”;
  • Art. 27 Law of the Russian Federation dated December 28, 2013 No. 400-FZ “On insurance pensions”;
  • Resolutions of the Government of the Russian Federation No. 1386 dated December 17, 2014 (approved Regulations “On the procedure for paying pensions to persons leaving for permanent residence outside the territory of the Russian Federation”), No. 793 dated August 13, 2016 and No. 1020 dated August 28. 2017;
  • Order of the Ministry of Labor and Social Protection No. 338n dated 04/06/2017 “On approval of the Administrative Regulations for the provision of the Pension Fund of the Russian Federation with public services for the payment of pensions to citizens who leave (have left) for permanent residence outside the territory of the Russian Federation”;
  • interstate agreements and treaties between the Russian Federation and the country of permanent residence of the pensioner (if any).

Conditions of receipt

Russian pension rules do not depend on residential address. To receive an old-age pension, a pensioner must confirm that the following conditions are met:

  • Citizenship of the Russian Federation.
  • Reaching retirement age. In 2020, the retirement age for women is 55.5, and for men – 60.5 years, but according to Federal Law No. 350-FZ (03.10.2018), it is planned to gradually increase it to 60 years for women and 65 for men.
  • Insurance experience of more than 10 years (as of 2020). According to Federal Law No. 400-FZ (December 28, 2013), until 2024, the required length of service will increase by a year until it reaches 15 years.
  • The pension ratio is more than 16.2 in 2019. In the future, the IPC value will increase by 2.4 points annually until it reaches 30.

How to submit documents

  • Submit documents by mail
  • Submit documents in person

Important documents for applying for a pension abroad

The most important thing, of course, is the list of required documents . So, to apply for a pension you will have to prepare:

  1. Pension application form
  2. Application for transfer of an assigned pension outside the Russian Federation.
  3. A certificate confirming permanent residence outside Russia (issued by a diplomatic mission or consular office of the Russian Federation).
  4. Certificate confirming the fact that the citizen is alive
  5. A certified copy of your general passport
  6. A certified copy of the marriage certificate (did you change your last name?)
  7. A certified copy of the work book (all pages)
  8. Documents about work experience and salary (each copy must be stamped “Copy is true to the original”, all the necessary signatures and seals)
  9. An extract from salary statements (the same thing here: each copy must be stamped “Copy is true to the original”, all the necessary signatures and seals)
  10. A certified copy of a military ID or an original certificate from the military commissariat about the period of military service under conscription (for men).
  11. In some cases - a certificate of performance (non-performance) of paid work outside the Russian Federation, which is issued by a diplomatic mission, consular office of the Russian Federation or a competent authority (official) of a foreign state.

Usually, you are asked to attach a piece of paper with your phone number and your postal address - in Russian and in the language of the country where you live, so that the necessary papers will be sent to you from the Pension Fund.

Point 4 scares most newly minted retirees. A certificate confirming the fact that a citizen is alive is issued on December 31 of each year by an American or Canadian notary, then an apostille is obtained for it and translated into Russian. The accuracy of the translation must be notarized at the Russian Consulate. Such a statement is drawn up one year from the date a citizen living abroad submits an application for payment of a pension outside the Russian Federation to the Pension Fund of the Russian Federation.

But it can be replaced with an act of personal appearance - no apostilles, but you will have to appear in person at a diplomatic mission or consular office of the Russian Federation abroad and ask to draw up an act (the service is free).

Who can claim a Russian pension when traveling abroad?

Most retired Russian citizens, if they leave the Russian Federation for permanent residence outside the country, have the right to transfer their pension abroad, with the exception of those who:

  • receives a long-service pension for federal civil servants or a social pension of the Russian Federation (for disability, due to lack of insurance experience);
  • lives in states with which the USSR/RF have concluded bilateral agreements on pension provision. The payment of pensions to such citizens has its own characteristics and occurs according to agreements.

Pensioners who have already issued a pension for themselves, in order to receive pension payments abroad, must submit a corresponding application to one of the Pension Fund branches 30 calendar days before the planned date of departure.

Please note that the application must specify the procedure for receiving money.

Those citizens who worked in Russia but have reached retirement age – 60 years for men and 55 years for women – while already living outside the territory of the Russian Federation can also apply for a Russian pension when moving abroad.

In this case, it is necessary that they satisfy all the conditions for assigning an insurance pension in accordance with Russian legislation: the presence of a minimum insurance period (in 2020 - 9 years), a minimum amount of pension points (in 2020 - 13.8 points).

Interesting fact. Pension provision in Russia was first introduced by Peter I. It was primarily about former military officers - “So as not to disgrace the honor of the uniform.” The soldiers who survived after 25 years of service were simply sent back to their native village, the disabled - to the monastery “to survive.”

What types of pensions are available to Russians living abroad

Russians who live abroad can count on receiving:

  • labor pensions, both insurance and funded;
  • state security pensions (state pensions);
  • military pensions (but not in all countries);
  • additional payments to pensions for special working conditions: pilots, miners, nuclear industry workers, persons with special services to the state;
  • social monthly payments for veterans of the Great Patriotic War (DEMO).

The labor pension for Russian pensioners who left and live abroad, according to the legislation of the Russian Federation, compensates for the loss of wages and other remunerations related to the professional activities of the insured person upon the onset of his incapacity for work, and there are three types:

  • old age pension;
  • disability pension;
  • survivor's pension (compensates disabled family members of the insured person for wages and other benefits lost due to the death of the breadwinner).

Be sure to read it! Insurance payment in case of an accident: how to get compensation according to the law in 2020?

The state pension compensates for:

  • earnings lost upon termination of federal civil service, upon reaching the required length of service, or upon retirement for old age or disability as a civil servant;
  • lost earnings upon retirement for long service for cosmonauts and test pilots;
  • harm caused to the health of Russian citizens while performing military duty as a result of man-made disasters;
  • livelihood in case of loss of a breadwinner.

Military pensions are assigned to military personnel, employees of the Ministry of Internal Affairs, the fire service, the National Guard, who have reached the required length of service, as well as members of their families in the event of the loss of a breadwinner.

Payments in the Russian Federation

A Russian pension abroad can reach its recipient in three ways:

  1. Transferring a pension abroad to the recipient’s bank account is relevant for citizens who received a pension before 2015. After this time, payments outside of international treaties are paid only on the territory of the Russian Federation through banks or representatives.
  2. Transfer or accumulation of funds in one of the domestic banks.
  3. Withdrawal by power of attorney (carried out by the person chosen by the pensioner).

Until 2020, according to Law No. 88-FZ (05/01/2017), all Russian pensioners must switch to the domestic payment system MIR, and all their bank cards will be automatically replaced with the corresponding new ones. This measure does not apply to Russian citizens living in other countries.

Registration procedure

In the absence of international agreements, documents are submitted to the territorial representative office of the Pension Fund at the place of residence or to a special Department of the Fund for persons living abroad. His postal address: 119991, st. Shabolovka, 4, GSP-1, Moscow, RF. Submission of documents can be done in person, by mail or through a representative.

An additional convenient way is to apply through the State Services portal or through the Pension Fund website.

To assign a pension, you need to submit an application for its assignment and the following documents:

  • 2 copies of the delivery statement;
  • copy of Russian passport;
  • an extract from the employment record certified by a notary to confirm the length of service;
  • salary certificate;
  • copy of military ID (if available);
  • a certificate from the Russian consulate confirming the fact of permanent residence abroad.

Existence of an agreement between countries

“Russian foreigners” should have no doubt whether it is possible to receive a Russian pension abroad. Our state guarantees pensions to foreign citizens who worked in Russia and retire in their homeland. Condition: if this country has an international agreement on pensions with the Russian Federation.

STATISTICS

In 2020, 19 international treaties were in force regulating Russia’s relations in the field of pension provision with 23 states. Pension Fund payments under these agreements were received by 45.1 thousand pensioners abroad (43.4 thousand in 2020). And the Pension Fund’s expenses on pensions under international treaties increased by 8.6% and amounted to 3.8 billion rubles (in 2020 - 3.5 billion rubles). At the same time, the number of foreign pensioners living in Russia and receiving payments under these agreements is significantly smaller - 4.3 thousand people (in 2016 - 3.4 thousand people). Expenses for paying pensions to them amounted to 392 million rubles, which is 21% more than expenses for the previous year (323 million rubles).

Among the countries with which Russia has agreements on pension provision, the largest number of Russian pensioners live:

  • in Abkhazia;
  • Belarus;
  • Latvia;
  • Bulgaria;
  • Israel;
  • Estonia.

Of the countries with which Russia does not have such agreements:

  • Germany;
  • USA;
  • Finland;
  • Canada.

In total, pensioners living in 129 countries of the world receive Russian pensions abroad. By the end of 2020, their number grew to 307,000 people (+ 3.5%).

The ranking of states with the largest number of pension recipients this year looks like this:

  1. Germany – 101.4 thousand people.
  2. Israel – 41.4 thousand people.
  3. Abkhazia – 32.9 thousand people.
  4. Latvia – 24.6 thousand people.
  5. Belarus – 24.3 thousand people.
  6. USA – 21.8 thousand people.
  7. Other countries – 60.6 thousand people.

List of available payments

Today, the country's pension system is structured in such a way that not only people who have reached a certain age or length of service have the right to receive a pension. Some payments are also due to those who have not worked for a sufficient number of years.

All types of security are assigned in accordance with Federal Law No. 166-FZ of December 15, 2001. After the release of this regulatory act, many changes occurred affecting pensions. So, in 2020 it is formed based on the following factors:

  • total work experience;
  • salary amount.

For each working citizen, employers make contributions to the Pension Fund. This rule is established within the framework of the compulsory pension insurance program. It also provides for the possibility of receiving the following types of pensions:

  1. insurance;
  2. cumulative.

In this case we are talking about types of labor pension. If the length of service is insufficient, citizens may be assigned so-called social benefits.

Insurance pension

The procedure for assigning and forming an insurance pension is determined by Federal Law No. 400-FZ of December 28, 2013. According to this regulatory act, you can receive payment in the following cases (upon the occurrence of insured events):

  • the recipient has reached the age specified by law (different for women and men);
  • upon receipt of disability (disabled people of groups 1, 2 and 3, as well as children with disabilities, can receive a pension);
  • in case of loss of a breadwinner.

Funds are transferred by the recipient in an amount determined individually based on insurance points, which in turn depend on the amount of earnings, length of service and some other factors.

Funded pension

Part of the labor pension is a funded part, which the recipient can use for investment and growth. However, not everyone is eligible for this type of payment. Thus, recipients are persons born before 1967. However, they must meet one of the following requirements:

  1. until 2020, the person expressed a desire to keep the funded part of the pension (if this did not happen, then the corresponding funds were sent towards the insurance pension without prior notice):
  2. the person first got a job only in 2014 and expressed a desire to divide the pension into an insurance and funded part.

Persons who meet the listed parameters are also given the right to independently choose a management company or a Non-State Pension Fund, which will subsequently invest investments to increase future payments to the pensioner. For younger citizens, you need to make a choice regarding the insurance and savings part:

  • before he turns 23;
  • before 5 years have passed since the first payment of insurance premiums to the Pension Fund.

Insurance and funded pension: which is better?

The emergence of an alternative option for distributing part of pension funds has provoked disputes between recipients about which type of pension is better to choose. Each option has its own advantages and disadvantages, which it is better to learn about before making your choice:

Insurance pension Funded pension
+ The state guarantees the safety of the contributions made.

Every year the state indexes the funds available in the insurance account.

This type of pension is inherited, that is, in the event of the death of the policyholder, the money is received by his relatives.

At his own discretion, a person can at any time transfer his existing savings to another NPF or the Pension Fund of the Russian Federation.

In fact, the profitability of such funds is higher than the indexation of the insurance pension. This figure turns out to be several times higher.

It is unprofitable for some categories of citizens, for example, individual entrepreneurs or people with a small official income. This can be explained by the fact that calculations are made in accordance with official indicators.

You can receive money only upon reaching retirement age or upon the occurrence of an insured event specified by law.

If the fund operates at a loss, the funds will remain the same, that is, the main part will be the same, but there will be no income.

There may be cases of fraud on the part of unscrupulous funds, as a result of which the invested money can be completely lost or it will take a long time to sue the criminals.

A person’s actions depend on whether he is willing to take risks for the opportunity to get more in the end, or whether he prefers to maintain a small but guaranteed annual indexation.

How to start receiving a pension?

To receive the minimum pension, you need to live to 60 years (men) and 55 (women), and you also need five years of continuous service. When five years are not reached, the years of higher education and the birth of children are included in the length of service (one and a half years for each). In such cases, it is necessary to prepare notarized copies of the birth certificates of each child and a copy of the document indicating that the child was alive for these one and a half years (his/her passport or other identity document). A document on work experience and salary, as well as an extract from salary statements, can be obtained exclusively at your place of work, that is, you will either have to fly to the Russian Federation or issue a power of attorney for someone in Russia.

Send the power of attorney and all documents certified at the consulate to the principal in the Russian Federation - he will transfer them to the Department of the Pension Fund of the Russian Federation for those living abroad.

Transfer abroad

Until 2020, Russian pensions were transferred in foreign currency to the pensioner’s account at the current exchange rate. For those who filed for retirement before this time, transfers occur in the same manner. Another case when money is transferred abroad is existing international treaties.

According to the new rules, payments to pensioners occur only on the territory of Russia and are paid in rubles to a specially opened account or to a trusted person.

Passport and visa services

  • Foreign passports
  • Proof of citizenship
  • Foreign passports for children
  • Russian citizenship for children
  • Internal passports
  • Visa to Russia
  • Change of surname or first name
  • Certificate of return to Russia

How is a pension paid?

Now about how to receive a Russian pension abroad. A method that is now gaining popularity is on the territory of Russia to your own bank account or by power of attorney.

Through this mechanism, 162.7 thousand pensioners abroad receive pensions, and the amount of payments to them in 2020 amounted to 25 billion rubles.

The second most popular method was chosen by 144.3 thousand pensioners. They receive payments by transfer abroad in the currency of the foreign state in whose territory they reside. The Pension Fund's expenses for these payments amounted to 16.5 billion rubles.

Pensions assigned after 01/01/2015 outside of international treaties and agreements on pension provision are paid to Russian pensioners living abroad exclusively on the territory of the Russian Federation through Russian banks or representatives of the pensioner.

Pensions are different in different countries

In some cases, the size and procedure of the pension will depend on the country where the pensioner lives. Russia has concluded international agreements and agreements on the payment of pensions abroad with 24 countries. Many pensioners continue to work after moving, earning seniority and the right to a pension from a foreign state. In such cases, the pension will be calculated based on the principles of such agreements.

  • Territorial principle.

The pension is calculated and paid at the expense of the country in which the citizen lives. In this case, the length of service earned in Russia is taken into account.

Such agreements have been concluded with Armenia, Georgia, Kazakhstan, Kyrgyzstan, Lithuania, Moldova, Tajikistan, Turkmenistan, Uzbekistan and Ukraine.

If a Russian pensioner moves to one of these states, according to the laws of which he is not yet entitled to a “local” pension, Russia will continue to make the payment.

After acquiring the right to a pension in a new country, it is paid by the foreign state.

  • Proportional principle.

The costs of paying pensions are distributed between the two countries: each pays for the length of service worked on its territory.

Such agreements have been concluded with Belarus, Bulgaria, Israel, Spain, Latvia, Estonia, and the Czech Republic.

If a Russian pensioner lives in a country with which the Russian Federation does not have agreements, the pension is paid to the Pension Fund in accordance with Russian legislation.

According to the old rules

Citizens who have entered into agreements with non-state pension funds (NPFs) on independent savings for old age before raising the retirement age and after, will have equal rights. The bill will be submitted to the State Duma by the end of May. And it can be accepted before the end of the spring session - July 28, said Anatoly Aksakov. However, for this you need to quickly obtain a positive opinion from the Central Bank and the government.

The Bank of Russia told Izvestia that in general they support the provisions of the bill. The Ministry of Finance, in response to Izvestia’s request for an assessment of the document, said that it had not yet received it. The Ministry of Economic Development did not answer questions at the time of publication of the material.

The bill, the text of which Izvestia reviewed, assumes that the right to receive a non-state pension is acquired by men and women who have reached 60 and 55 years of age, respectively. At the same time, a citizen can set an age in the NGO agreement that is higher, but does not go beyond the new one - 60 years for women and 65 years for men. The right to receive non-state payments before 55 and 60 years of age can be granted only to certain categories of citizens who have it according to the general rules. We are talking, for example, about northerners and the so-called members of the list. The document clarifies that the proposed rules apply to contracts concluded from January 1, 2020. The law will come into force after its official publication, and this could happen as early as this year.

Partial pension: NPF profitability will fall below inflation

Non-state funds will earn Russians only 5.12% in the first quarter of 2019, with prices rising by 6%

The proposal to maintain the old age limits for the voluntary system was first made in February of this year, when the Ministry of Labor sent a letter to the National Association of Non-State Pension Funds (NAPF), Izvestia wrote. True, then we were talking only about agreements concluded before December 31, 2020 - they retained the previous conditions and promised to study the possibility of extending the practice to agreements concluded since 2020.

“There was a problem of maintaining equality of rights for all clients of the NGO system: those who entered into contracts before the adoption of the law in 2020, and those who entered into and will enter into contracts after,” Sergei Erlik, first vice-president of NAPF, told Izvestia. “That’s why a design was proposed, according to which NGO participants and investors, when concluding agreements with pension funds, will themselves determine the age at which they want to receive payments, and the threshold should be no lower than 55 years for women and 60 years for men.

Izvestia Help

NPO is a non-state pension system. It assumes that citizens independently save for their retirement from their income. The amount of contributions is also determined by the citizen himself. At the same time, large companies have their own corporate savings programs in partnership with non-state pension funds. According to the Bank of Russia, in 2020 the number of participants in the voluntary pension system increased by 2.1% - to 6.1 million. The size of the average account of one insured person over the past year increased by 5.7% and reached 186.1 thousand rubles.

What if you apply for a pension without coming to Russia?

Russians go abroad under different circumstances. It happens that this happens a year or two before retirement age. Registration of a pension even on the territory of Russia is a very difficult process, but what if a person lives abroad at this time and does not want to return?

There is a way out; the legislation allows for the possibility of obtaining a pension for a person who lives abroad. By the way, some relaxations have been introduced since May 2020: it is no longer necessary to contact the Pension Fund unit at your place of residence

, the principle of extraterritoriality applies.

In general, while abroad, you can receive several types of payments from Russia:

  • insurance pensions;
  • state pensions (except social);
  • additional payments to pensions for labor merits;
  • additional monthly financial support for WWII veterans.

All these types of payments can be issued while living in another country. But this process can take a lot of time and effort.

All communication with the Pension Fund can only be carried out by mail (regular, paper). Pensioners living abroad can send all their documents for registration of a pension to one address - 119991, Moscow, GSP-1, st. Shabolovka, 4 (this is the main address of the Russian Pension Fund).

So, if a person, while abroad, has reached retirement age, he can apply by mail to the Pension Fund with an application for a pension. To do this, he will have to collect the following package of documents:

  • application for assignment and delivery of pension in two copies;
  • a copy of the passport of a citizen of the Russian Federation and SNILS;
  • employment documents: original work book (a high-quality copy is allowed), original certificates of periods of work, if it is difficult to determine them from the work book;
  • salary certificate for any period of 5 years, if the citizen had such a period of employment before 2001. The certificate must contain all the necessary data;
  • a copy of a military ID or other document confirming military service;
  • certificates or other documents confirming the change of surname (if the surname has changed);
  • copies of children’s birth certificates (if there was a period of parental leave before they reached 1.5 years of age);
  • a certificate confirming permanent residence outside Russia (issued by the Russian embassy or consulate).

All copies of documents must be certified by a Russian diplomatic or consular office

.

You can submit all these documents in person to the Pension Fund in Russia, you can send them by mail, or you can send them through a representative for whom a notarized power of attorney has been issued.

Considering how often when applying for a pension they are required to “deliver” some documents, there is no point in hoping that the pension will be assigned at the very first written application to the Pension Fund. Most likely, you will have to collect additional certificates and documents

.

Be sure to read it! Salary net and gross - what does this mean in 2020

Another problem is the method of payment of pensions. There are no problems with this on the territory of Russia, but a citizen of the Russian Federation living abroad may not have a single payment card from a Russian bank.

Therefore, it is better to take care of such a card in advance - when leaving Russia or during one of your visits to the country. Apply for a card remotely

It’s unlikely to work, one option is to issue a power of attorney for someone in Russia.

Celebrate once a year

Since the Pension Fund does not have a single database with foreign government agencies, the pension of those who have gone abroad must be renewed annually. To do this, it is necessary to send a document to the Pension Fund once a year confirming that the citizen is alive.

You can do this in one of the following ways.

1. During a visit to Russia, contact any territorial branch of the Pension Fund.

2. Draw up a document confirming the fact of being alive from any notary on the territory of the Russian Federation (clause 9 of the Procedure).

3. If the pensioner does not visit Russia, he will need to appear in person at a diplomatic mission or consular office of the Russian Federation on the territory of a foreign state. Their employees will draw up an act of personal appearance of the citizen and send the document to the Pension Fund of Russia via their electronic channels (clause 10 of the Procedure).

Important!

To avoid receiving fraudulent payments, you can only confirm that you are alive in person. It is not possible to issue confirmation through electronic services or a representative.

Supporting documents are drawn up and sent to the Pension Fund after 12 months from the date of filing an application to travel abroad or providing similar documents for the previous year (clause 12 of the Procedure). If this is not done, pension payments will be suspended until they are received.

Important!

Due to the coronavirus pandemic, until July 1, 2020, the payment of pensions to pensioners living abroad is extended without documentary proof of being alive (RF Government Decree No. 530 dated April 17, 2020).

New law on insurance pensions From January 1, 2020, the Federal Law of December 17, 2001 No. 173-FZ “On Labor Pensions in the Russian Federation” became invalid. In its place, the Federal Law of December 28, 2013 No. 400-FZ “On Insurance Pensions” was adopted and came into force. Thus, a new procedure for calculating pensions has been introduced - the so-called new pension formula. Its main goal is to ensure financial balance of the pension system and increase the joint responsibility of the state, employers and employees themselves for the level of pension provision. The essence of the new pension formula comes down to the following. The retirement age remains the same: for men - 60 years; for women - 55 years. The minimum insurance period (length of payment of insurance premiums) to acquire the right to a pension will increase from 5 to 15 years. It will increase annually by 1 year starting from 2020. The insurance period will include the same “non-insurance periods” as before. At the same time, the period of childcare taken into account until they reach 1.5 years of age will be no more than 6 years in total (previously it was no more than 3 years). The size of the pension depends on the amount of individual pension coefficients (IPC) accumulated during the insurance period and the cost of 1 pension coefficient in the year the pension was assigned. The IPC for the corresponding year of insurance experience is calculated based on the ratio of the insurance premiums actually accrued for the employee during the year and their standard amount (calculated from the maximum annual salary base subject to contributions). The cost of 1 pension coefficient will be determined annually by the federal law on the Pension Fund budget. The right to early retirement for workers in harmful, hazardous industries and other categories of citizens is retained, but subject to the availability of a certain amount of IPC. Thus, the size of your future pension will directly depend on your salary. The higher and more legal it is, the larger the pension will be. To encourage citizens to retire at a later age, increasing coefficients are provided. Moreover, the later a person applies for a pension, the greater it will be. A fixed payment of 3,935 rubles is established for the insurance pension. per month. It will also increase if you retire later. For some categories of citizens (persons over 80 years of age, disabled people of group I, etc.), an increased amount of fixed payment is provided. The new pension formula retains the recalculation of pensions for working pensioners. The mechanism for indexing pensions will remain the same. The procedure for calculating disability and survivors' insurance pensions is generally similar to the previous one, taking into account the introduction of an individual pension coefficient to replace the calculated pension capital. Pensioners receiving labor pensions will be transferred to a new procedure for calculating pensions from January 1, 2020. At the same time, the amount of the insurance pension determined according to the new rules cannot be lower for them than what they received previously. It is planned that the new pension formula will allow the average old-age insurance pension to be increased by 2030 to the level of 2.5-3 subsistence minimums for a pensioner. Provided that insurance premiums have been paid for at least 35 years and with an average salary, the pension will be up to 40% of earnings. Since today innovations in pension legislation, in particular, Federal Law No. 400-FZ, do not yet have legally substantiated comments, for more detailed explanations we will turn to the information of the Ministry of Labor and Social Protection of the Russian Federation on the general provisions of the new pension formula, on the new rules for calculating pensions by old age. The previously existing procedure for calculating old-age labor pensions was unfair to the most economically active category of the population, to those who plan to lead an active working life for a long time. The egalitarian principle of calculating pensions led to the fact that the labor pensions of citizens with little work experience were approximately equal to the pensions of citizens with a long insurance period. The new procedure for the formation of pension rights and the calculation of pensions will ensure the adequacy of pension rights to wages and increase the importance of the insurance period in the formation of pension rights and calculation of the pension amount. First of all, let us explain that the full insurance pension will be formed according to the new rules for citizens who will begin working in 2020. For future pensioners who have insurance coverage until 2015, all formed pension rights are recorded, preserved and guaranteed to be fulfilled. In 2014, they were converted into individual pension coefficients - a new tool for accounting for a citizen’s pension rights. For current pensioners, when switching to the new calculation procedure, the size of their pension will not decrease. It can increase for pensioners who have periods of non-insurance. After the introduction of a new procedure for calculating pensions, the old-age labor pension is transformed into an insurance pension and a funded pension. A fixed payment will be established for the insurance pension (analogous to today's fixed base amount of the insurance part of the old-age labor pension). The size of the funded pension will be calculated by dividing the amount of pension savings by a statistical value - the expected payment period, determined by federal law. Annual pension coefficient When calculating the insurance pension according to the new rules, the concept of “annual pension coefficient” is introduced for the first time, which evaluates each year of a citizen’s work activity. The annual individual pension coefficient is equal to the ratio of the amount of insurance contributions paid by the employer (employers) for the formation of the insurance part of the pension at the rate of 10% or 16% chosen by the citizen, to the amount of insurance contributions from the maximum legally taxable salary paid by the employer at the rate of 16%, multiplied by on 10: The amount of insurance contributions for the formation of the insurance part of the pension, paid by your employer from your salary at a rate of 10% or 16%* Annual PC = —————————————————————— —————— x 10 The amount of insurance contributions from the maximum legally taxable salary, paid by the employer at a rate of 16% ** * If a citizen refuses to form pension savings in the compulsory pension insurance system (0%), then the employer will pay insurance contributions for him for the formation of his insurance part of the pension at a rate of 16% If a citizen chooses a 6% tariff for the formation of the funded part of the pension, then insurance premiums will be sent for the formation of his insurance part of the pension at a rate of 10%. ** The maximum annual salary (payment fund there), from which employers pay insurance contributions to the compulsory health insurance system, is established annually by federal law. *** The rate at which employers pay insurance contributions to the compulsory health insurance system is 22% of the employee’s wage fund. 6% of the tariff of insurance contributions from the compulsory pension insurance system goes to finance a fixed payment, and 16% is an individual tariff, the paid contributions for which, at your choice, can either be completely directed towards the formation of pension rights in the insurance part of the pension, or 6% can be directed towards the formation pension savings of a citizen, and 10% - for the formation of pension rights in the insurance part of the pension. The higher the salary, the higher the annual pension coefficient! The annual pension coefficient with equal salary will always be higher for a citizen who has refused to form pension savings. When calculating the annual PC, only the official salary before deduction of personal income tax (13%) is taken into account. From 2021, with an annual increase in the level of contributory wages to 2.3 of the average Russian salary, the maximum value of the annual PC will reach 10 from 7.39 in 2020. The maximum annual coefficient is accrued to a citizen if his salary, from which insurance premiums are paid, is not lower than the maximum salary from which employers, by law, pay insurance contributions to the mandatory pension insurance system, and the citizen has refused to form pension savings. The cost of the pension coefficient is determined annually by the Government of the Russian Federation in accordance with federal law. When calculating the insurance pension, all annual pension coefficients are summed up, including special coefficients for socially significant periods. Next, the resulting amount of annual pension coefficients is multiplied by the coefficient for the deferred pension and the cost of the annual pension coefficient, which is annually established by the Government of the Russian Federation in accordance with federal law. A fixed payment is added to the resulting value, increased by the size of the bonus coefficient for applying for a pension at a later date after reaching retirement age or becoming entitled to a pension (early). “Non-insurance periods” counted towards length of service In the new rules for calculating labor pensions, the following socially significant periods of a person’s life are counted towards length of service: - the period of military service, as well as other equivalent service provided for by the Law of the Russian Federation “On pension provision for persons who served in military service” service, service in the internal affairs bodies, the State Fire Service, agencies for control of the circulation of narcotic drugs and psychotropic substances, institutions and bodies of the penal system, and their families”; - the period of care provided by an able-bodied person for a group I disabled person, a disabled child or a person who has reached the age of 80 years; — the period of receiving compulsory social insurance benefits during the period of temporary disability; - the period of care of one of the parents for each child until he reaches the age of one and a half years, but not more than 4.5 years in total; - the period of receiving unemployment benefits, participation in paid public works and the period of moving or relocating in the direction of the state employment service to another area for employment; - the period of detention of persons who were unjustifiably prosecuted, unjustifiably repressed and subsequently rehabilitated, and the period of serving their sentences in places of imprisonment and exile; - the period of residence of spouses of military personnel performing military service under a contract, together with their spouses, in areas where they could not work due to lack of employment opportunities, but not more than five years in total; - period of residence abroad of spouses of diplomats and consuls, but not more than five years in total. For these so-called “non-insurance periods”, special annual coefficients are assigned if the citizen did not work during these periods. Thus, for the period of compulsory military service, 1.8 pension coefficients are accrued - for each year of compulsory military service. Periods of child care (up to 1.5 years for each child) are also counted towards the length of service. Thus, for each child the following is accrued: - 1.8 pension coefficient per year of leave - for the first child, - 3.6 pension coefficient per year of leave - for the second child, - 5.4 pension coefficient per year of leave - for the third child. Calculation of insurance pension Calculation of old-age insurance pension will be made according to the following formula: SP = (FV x CPV) + (IPK x CPV) x SPK, where: SP - insurance pension in the year the pension was assigned; FV - fixed payment; IPC is an individual pension coefficient equal to the sum of all annual pension coefficients of a citizen; SPK - the cost of one pension coefficient in the year the pension was assigned; CPV - bonus coefficients for retiring later than the generally established retirement age (has different meanings for FV and SP!). Please note that under the new rules, retiring later will be beneficial! For each year of later application for a pension, the insurance pension will increase by the corresponding premium coefficients. For example, if you apply for a pension 5 years after reaching retirement age, the fixed payment will increase by 36% and the insurance pension by 45%; if after 10 years, the fixed payment will increase by 2.11 times, the insurance part - by 2.32 times. Coefficients for calculating an insurance pension when applying for a pension is delayed after reaching retirement age:

Insurance work experience without applying for a pension (No more than 10 years. If more, then the coefficient for 10 years is applied) Fixed payment Insurance part of pension
0 1 1
1 1,056 1,066
2 1,12 1,15
3 1,19 1,24
4 1,27 1,34
5 1,36 1,45
6 1,46 1,59
7 1,58 1,74
8 1,73 1,9
9 1,9 2,09
10 2,11 2,32

Another feature: in 2025, the minimum total length of service to receive an old-age pension will reach 15 years (6 years in 2020, it will gradually increase over 10 years - 1 year per year).

Those whose total length of service by 2025 will be less than 15 years have the right to apply to the Pension Fund for a social pension (women at 60 years old, men at 65 years old). In addition, a social supplement to the pension is made up to the subsistence level of the pensioner in the region of his residence.

The second condition for assigning a pension upon reaching retirement age is the need to create pension rights in the amount of 30 pension coefficients.

The conditions for granting a disability and survivors' pension remain the same.

For citizens with work experience: disabled people of group I, citizens who have reached 80 years of age, citizens who worked or lived in the Far North and equivalent areas, the pension will be assigned in an increased amount due to an increased amount of a fixed payment, or the use of “northern” coefficients

Funded pension

A funded pension is a monthly payment of pension savings formed from insurance contributions from your employers and income from their investment. Today, employers pay insurance contributions to the mandatory pension system at a rate of 22% of the employee’s wage fund. Of this, 6% of the tariff can go to the formation of pension savings, and 10% - to the formation of an insurance pension, or maybe - at the choice of the citizen - all 16% can go to the formation of an insurance pension.

If a citizen was born in 1967 or older, then his old-age pension will not contain the funded part of the pension, because his employers contribute the entire amount of insurance contributions only to the insurance part of the pension.

If a citizen was born in 1967 and later, until December 31, 2015, he will additionally be given the opportunity to choose the rate of insurance contribution for the funded part of the pension: either leave 6% as it is today, or refuse to form pension savings, thereby significantly increasing the formation of pension rights in the insurance pension.

When choosing an insurance premium rate, you need to remember that by deciding to form a funded pension, you reduce your pension rights to form the insurance part, and vice versa. Which option is more profitable - you decide for yourself. When making a decision on your choice, it is worth remembering that the insurance pension is guaranteed to be increased by the state through annual indexation at a level not lower than inflation. While a funded pension is pension savings that are transferred from the Pension Fund to the management of a non-state pension fund or management company and are invested by them in the financial market. The funded pension is not indexed by the state. The profitability of pension savings depends solely on the results of their investment, that is, there may be losses. In case of losses, only the payment of the amount of paid insurance contributions to the funded part of the pension is guaranteed.

According to the new calculation rules, the size of the funded pension will also be higher if you apply for a pension later than the generally established retirement age: 60 years for men and 55 years for women. After all, to calculate a funded pension, the amount of pension savings is divided by the so-called. The period of expected pension payment is 228 months. And if, for example, you apply for a pension three years later, then the amount of pension savings is divided into 192 months.

Thus, the higher the salary and the longer the total length of service, the higher the old-age pension will be!

The main parameters influencing the calculation of pensions

The size of the pension will primarily be affected by:

- salary: the higher the salary, the higher the pension. If the employer has not made contributions for his employee to the compulsory pension insurance system in full (for example, in the case of paying “gray” wages), this earnings do not participate in the formation of pension capital;

— length of insurance experience: the longer a citizen’s insurance experience, the more pension rights he will have, and for each year of work activity a certain number of pension coefficients will be accrued;

- age of application for a labor pension: the pension will be significantly increased for each year that elapses after reaching retirement age before applying for a pension.

The new rules for calculating pensions include such socially significant periods of a person’s life as military service, caring for a child, a disabled child, or a citizen over 80 years of age. For these so-called “non-insurance periods”, special annual coefficients are assigned if the citizen did not work during these periods.

What types of pensions are covered by the new procedure?

The new procedure for the formation of pension rights and the calculation of insurance pensions will apply to all types of labor pensions - old age, disability and survivors' pensions.

The grounds (conditions) for assigning an insurance pension for disability and loss of a breadwinner will not change. To assign these types of insurance pensions, it is enough to have at least 1 day of work experience.

The new procedure for the formation of pension rights and the calculation of insurance pensions does not apply to the formation and assignment of pensions for state pension provision (social pensions, long service, old age, disability, loss of a breadwinner). For citizens with work experience: disabled people of group I, citizens who have reached 80 years of age, citizens who worked or lived in the Far North and equivalent areas, the pension will be assigned in an increased amount due to an increased amount of a fixed payment, or the use of “northern” coefficients

What will happen to the funded pension and existing pension savings?

All already generated pension savings remain with the citizen. They will be paid in full, taking into account the income from their investment, when a citizen becomes entitled to an insurance pension and applies for it.

The procedure for assigning and paying out pension savings does not change. To calculate the funded pension, the amount of pension savings is divided by the expected period of payment of the funded part of the labor pension. The period of expected pension payment is established by Federal Law. The procedure for paying pension savings will also remain the same (one-time payment, urgent pension payment, payment of the funded part of the labor pension).

The funded pension is not indexed by the state. The profitability of pension savings depends solely on the results of their investment, that is, there may be losses. In case of losses, only the payment of the amount of paid insurance contributions to the funded part of the pension is guaranteed.

To which part of the pension is it better to allocate more contributions from the employer's insurance contributions - to the insurance or savings? Which tariff should I choose: 0 or 6%?

Citizens born in 1967 and younger in 2014-2015. provided the opportunity to choose the rate of the insurance contribution for the funded part of the labor pension: either leave 6%, as it is today, or refuse to further form the funded part of the pension, thereby increasing the tariff for the insurance pension from 10% to 16%.

By increasing the percentage of the tariff for the formation of a funded pension, a citizen reduces the pension rights to the formation of the insurance part, and vice versa.

Which option is more profitable is decided by the citizen himself. When deciding on your choice, it is first of all important to remember that the insurance pension is guaranteed to increase due to annual indexation at a level not lower than inflation. While a funded pension is pension savings that are transferred from the Pension Fund to the management of a non-state pension fund or management company and are invested by them in the financial market.

The funded part is not indexed by the state. The profitability of pension savings depends solely on the results of their investment, that is, there may be losses. In case of losses, only the payment of the amount of paid insurance contributions to the funded part of the pension is guaranteed.

If a citizen refuses to form pension savings, the rate of insurance contributions of his employer to the Pension Fund of Russia in the amount of 16% will be used to form his insurance pension. It is important to note that even in this case, all pension savings of citizens generated at this time will continue to be invested and paid in full, taking into account investment income, when citizens become eligible to retire and apply for it.

The opportunity to choose your tariff plan (all 16% of the tariff to be used to form an insurance pension or 6% of them to be used to form a funded pension) has been extended until December 31, 2015. You can submit an application for refusal to form the funded part of your pension until December 31, 2020 inclusive.

Will the social pension be affected by changes and will social supplements to pensions remain at the subsistence level?

The new pension formula will not apply to the assignment of pensions under state pension provision - it is intended exclusively for the assignment of pensions to citizens with work experience.

Moreover, if the total amount of material support for a non-working pensioner does not reach the cost of living of a pensioner in the region of his residence, he will continue to be provided with a social supplement to his pension up to the PMS in the region. When calculating the total amount of financial support for a pensioner, all types of pensions, monthly cash payments (including the cost of a set of social services), additional material support and other social support measures are taken into account.

Will the expected period of pension payment change in the new pension formula?

The “expected payment period” indicator will not be used when calculating the insurance pension for periods of insurance coverage after January 1, 2020.

In this case, the procedure for calculating the funded pension will remain the same, and the expected payment period will be used. To calculate the funded pension for citizens retiring upon reaching the established age, it is currently 228 months. If, for example, you apply for the funded part of your labor pension three years later than reaching retirement age, then the amount of pension savings is divided by the expected period of pension payment, reduced by 36 months. This indicator is approved annually by federal law.

In conclusion, we would like to remind you that all pension rights of citizens formed to date will be preserved, and in no case will their size be reduced. This is the basic approach that guided the development of a new procedure for the formation of pension rights and calculation of pensions.

In order to introduce a new procedure for the formation of pension rights of citizens and the assignment of pensions from January 1, 2020, during 2014 the conversion of pension rights of citizens formed before January 1, 2020 was carried out.

The conversion was carried out by the Russian Pension Fund without application. Citizens do not need to contact the Pension Fund for this!

The PFR personalized accounting database contains all the necessary information about the estimated pension capital, length of service and salary of each participant in the compulsory pension insurance system in order to recalculate his already formed pension rights into pension coefficients.

Branches of the Pension Fund of the Russian Federation in the North Caucasus Federal District

Stavropol Territory 355000, Stavropol, st. Sovetskaya, 11 Contact phone: (8652) 94-21-15 https://pfrf.ru/ot_stavrop

What to do if you temporarily leave Russia

You can go to Turkey for a week in winter very inexpensively - so much so that sometimes even pensioners can afford it. And in the case of such a short trip, there is no need to worry about the pension: if a person receives it with the postman, he will receive the money at the post office when he returns to Russia, and he can withdraw it from the card at any time (and if it is a Visa or MasterCard, then and directly abroad).

The main thing here is to avoid a 6-month delay in receiving your pension.

and more, otherwise the law allows the Pension Fund to suspend pension payments.

If this happens, you need to go to the Pension Fund and apply for renewal of payments. The pension for the period of suspension will not go anywhere and will be paid to the pensioner in full. By the way, you can also submit such an application through the State Services portal, which is actually available all over the world.

However, this is not all the problems. Pensioners who are accustomed to living in another country for a long time (for example, six months at a time with their family and at home) can issue a power of attorney to receive a pension so that another person receives it - and, for example, transfers it to a pension recipient abroad.

The pension fund will consider that the pensioner is receiving a pension, but with one caveat: at least once a year such a person must appear at the Pension Fund or personally receive a pension

. Of course, it is much easier to issue a payment to a bank card and transfer it to a trusted person, but this is too difficult for older people.

Accordingly, if a power of attorney is issued

to another person, then the pension recipient will not be able to continuously stay abroad for more than a year - he must come and “check in” in Russia at least once.

Moving and returning

When a pensioner moves to a permanent place of residence from one foreign state to another, it is necessary to notify the Pension Fund about this no later than the working day after the move (clause 17 of the Procedure). If you return to Russia, you must notify the Pension Fund of this by providing a passport of a citizen of the Russian Federation with a mark of registration at the place of residence (clause 18 of the Procedure).

Payment of pensions immediately for six months - is it possible?

On the Internet you can find information that when traveling abroad for permanent residence, the Pension Fund can pay a pension for 6 months immediately in advance. This is necessary so that a person is not left without a livelihood in the first months after moving and can settle down.

Information on pension payments for six months

It’s even on the website of the Russian Pension Fund – although it dates back to the first half of 2014.

And indeed, according to Russian government decree No. 510 of July 8, 2002 “On approval of the Regulations on the procedure for paying pensions to citizens who leave (have left) for permanent residence outside the Russian Federation,” such payments were provided for.

A pensioner could receive such a payment at will - the Pension Fund made a payment if the foreign passport contained a note about leaving for permanent residence outside of Russia. Pensions were paid in advance only if a person moved to a country with which Russia did not have an Agreement on the payment of pensions.

However, this decree was repealed on January 1, 2015

(however, the information has not yet been removed from some pages of the Russian Pension Fund).

Now the procedure for paying pensions to Russian citizens outside the country is regulated by Decree of the Government of the Russian Federation of December 17, 2014 N 1386, and there is no mention of paying pensions for six months.

The Accounts Chamber revealed irregularities in the payment of pensions to Russians

The Accounts Chamber of the Russian Federation has identified problems in the system of personalized accounting of citizens' pension rights. The report on the inspection of the Pension Fund was published on Tuesday, August 25, on the official website of the department.

Personalized recording of information about insured citizens has included 156 million people, reports the Accounts Chamber. Of these, more than 37 million people are old-age pensioners, another 30.6 million, or almost 20%, were minors. Foreign citizens who work in Russia were also taken into account.

“When there is such a large array of data, a problem arises and the need to improve this system,” noted joint venture auditor Sergei Shtogrin following an audit of the Pension Fund divisions in Moscow, the Moscow and Saratov regions.

Unreasonable refusals to pay pensions

An individual personal account of the insured person (ILSPL) has been opened for each participant in the system. As it turned out during the audit, one person can have several accounts with the same assigned number (SNILS). This creates problems when assigning a pension. “In this case, the accounts should be combined and the pension calculated based on contributions to all accounts. However, the audit showed that this does not always happen and then the pension rights of citizens are infringed,” the auditor noted.

Of the 1061 pensions inspected, violations were identified in 171 cases (16.1%).

Facts have been established of illegal refusal to assign a pension, delays in the consideration of documents for the appointment and recalculation of pensions.

Violations of pension rights were identified in 53% of audited cases.

Due to untimely receipt of information about death and withdrawal of funds from the bank account by the relatives of the deceased pensioner, overpayments of pensions in only two territorial bodies of the Pension Fund amounted to more than 377 million rubles. The databases of the civil registry office, the Federal Tax Service of Russia and the Pension Fund of Russia do not correspond in terms of passport data, which indicates that the databases of various departments contain different information about the same citizens, the joint venture notes.

There are also shortcomings in the forms that citizens must fill out to register in the Pension Fund accounting system. In particular, it does not meet the requirements for the presence of surnames at birth and TIN. In addition, in the ILSZL itself, the Fund does not indicate information about the legal successors of the insured person and the shares of distribution of pension savings between them, which is also a violation of the law on individual accounting.

With suspicion of twinning

There is also a problem with updating personal accounting system data. Due to discrepancies in information about citizens in different systems (registry office, Ministry of Internal Affairs, Federal Tax Service), changes that occur in a person’s life are not always reflected in a timely manner on the personal account in the Pension Fund. The Accounts Chamber proposes to establish a mechanism for interdepartmental interaction and verify personalized information about citizens.

It was also proposed to improve the mechanism of interaction between the Pension Fund and the tax service. “If the information transmitted by the tax service does not pass the control of the Pension Fund of Russia, then it is returned back within five days. At the same time, the time during which the tax service must resolve discrepancies due to which the package was not accepted is not regulated,” noted the joint venture auditor.

Checking information about the length of service of insured persons is another problematic point in the work of the Pension Fund. Information about length of service is reflected on the ILSZL only if the accounting system does not detect errors in the reports provided by the employer. The number of errors can reach 4% of the number of persons for whom data is submitted to the Pension Fund.

Thus, the accounts of 13 thousand insured persons still do not reflect information for 2020, for 2020 - for 27 thousand persons. “If these citizens apply for a pension, their pension rights as of the date of appointment will not be taken into account in full,” said Sergei Shtogrin.

The audit also revealed errors in the assessment of earnings documents, untimely reflection of information on contributions to the compulsory pension insurance system, as well as delays in indexing the insurance pension.

Already during the inspection, pensioners were paid about 3 million rubles.

The report of the Accounts Chamber of the Russian Federation presents the results of the audit of the work of the Pension Fund in 2020 - 2020.

The Russian Pension Fund did not fully agree with the report of the Audit Chamber auditors. Regarding, for example, errors with personalized accounting, the management of the Pension Fund of the Russian Federation reported that it objects “to the lack of control regarding mergers of individual personal accounts.”

“Data from personal accounts with suspected duplicates, generated by the Interregional Information Center, are sent to the territorial authorities at the place where pensioners’ personal files are stored,” states the management of the Pension Fund.

According to the Pension Fund of Russia, work on merging personal accounts is carried out “strictly personalized” on the basis of an application and documents confirming the right of a citizen, subject to his personal visit to the territorial body of the fund.

Earlier it was reported that the Accounts Chamber of the Russian Federation recognized the activities of the Federal Agency for State Property Management in 2019 as unsatisfactory. The reason for this was the significant volume of identified violations in the administration of non-tax revenues and the management of federal property.

What to do if your pension is suspended or terminated

The situation when pension payments may be suspended or terminated occurs quite often. The following may lead to a suspension of payments for 6 months:

  • non-receipt of pension for 6 months;
  • reaching the age of majority by a person receiving a survivor's pension, without confirmation of his full-time studies;
  • receipt of documents by the Pension Fund on the departure of a pensioner outside Russia for permanent residence in the absence of his application for departure.

Termination of pension payment occurs when:

  • establishing the death of a pensioner or recognizing him as deceased or missing in the prescribed manner;
  • the expiration of 6 months from the date of suspension of the pension and failure to submit an application for its renewal;
  • loss of the right to a pension: acquisition of working capacity, entry to work, expiration of the period of recognition as disabled.

Thus, there are two options for returning payments - renewal and restoration of the pension.

To resume pension payments, you must submit an application.

The following documents must be attached to it (depending on the reasons for termination of payments):

  • confirmation of the applicant's full-time studies at an educational institution;
  • confirmation that the applicant does not have the right to receive a pension in the state of residence (if there is an agreement with the Russian Federation);
  • certificate of permanent residence;
  • a certificate of performance/non-performance of paid work outside the Russian Federation (when paying a survivor's pension to a person caring for children under 14 years of age);
  • document confirming that the applicant is in good health - a notarial deed, a document from the competent authority of the state of residence, a personal appearance certificate;
  • a document from the diplomatic mission of the Russian Federation abroad or the territorial branch of the Pension Fund of the Russian Federation, which would confirm the termination of activities or work, during which pensions were not paid to those working abroad.

If the reason for stopping the payment was the receipt of documents on the citizen’s departure for permanent residence abroad, no additional documents are required - just an application is enough.

Pensioners whose pension payment was suspended due to a court declaring them dead or leaving for a new place of residence abroad must contact the Pension Fund and submit an application for the restoration of pension payment.

The application must be accompanied by:

  • a document canceling a court decision declaring a citizen dead or missing;
  • confirmation of full-time education of a disabled citizen at an educational institution (except for additional educational programs);
  • confirmation of termination of work or a certificate stating that the applicant is not working;
  • certificate of permanent residence abroad;
  • a certificate of the applicant’s performance/non-performance of paid work in the host country (required for payment of a survivor’s pension to persons caring for children, brothers, sisters or grandchildren of the deceased breadwinner under 14 years of age);
  • document confirming that the applicant is in good health - a notarial deed, a document from the competent authority of the state of residence, an act of personal appearance.

For pension restoration, the presence or absence of Russian citizenship does not matter. 12 months after the restoration of pension payments and thereafter, the applicant must annually submit to the Pension Fund a certificate of being alive.

Receiving two pensions at the same time in 2020

This year, only exceptional categories of citizens can count on receiving two benefits at the same time.

Procedure for establishing rights

The right to two types of payments is established in the following order:

  1. Writing an application. A citizen entitled to 2 types of benefits can write an application to the Pension Fund of the Russian Federation. In it you need to provide detailed information about yourself, your own work activity, work experience, and list the reasons for receiving two payments at the same time.
  2. Collection of a package of documents confirming the rights of a citizen.
  3. Waiting for the decision of the Pension Fund of the Russian Federation.

The application and accompanying certificates are reviewed within 10 days. If a positive decision is made, payments are accrued from the date of its submission. The money is transferred to a bank account, the details of which are indicated in the application. They can also be obtained through the post office. It is possible to make payments to a bank located abroad. The currency is national. In addition, a citizen has the right to write an application to transfer money in advance (6 months at once).

The pension is also due to persons who do not have Russian citizenship (former citizens of the USSR). To receive payments, applicants prove their permanent residence in the territory of the Russian Federation in fact.

Double pension can be provided on a permanent or limited basis. The first payments include those related to social and insurance security, length of service. Survivor benefits are accrued only until the family has a source of permanent income (for example, a new husband for a widow or a new high-paying job). Disability benefits are also paid only until the disability is lifted. People with disabilities are required to undergo annual re-examination. If during the examination the doctor confirms that the disease is incurable, then the pension is assigned for an unlimited period.

New assignment of pension to a citizen living abroad

To assign a pension to a citizen of the Russian Federation who has gone abroad for permanent residence, he should submit to the Pension Fund an application for a pension (in two copies).

In addition, other documents must be attached to the application (the case will be considered only if they are available):

  • application for pension delivery, completed in duplicate;
    GDE Error: Error loading file - Turn off error checking if necessary (403:Forbidden)
  • a copy of the passport of a citizen of the Russian Federation;
  • a copy of SNILS (if available);
  • confirmation of work experience - original or a clear, notarized copy of the work book, certificates of periods of work (originals);
  • original salary certificate for any five years of service with the number and date of issue, seal and signature of the manager, indicating the basis for issuance, clearly stated full name of the certificate recipient. For certificates for the period from 1991 to 2001, data on contributions that were transferred to the Pension Fund is required;
  • a copy of your military ID (if you don’t have one, a certificate from the military registration and enlistment office confirming your military service);
  • certificate confirming permanent residence in a foreign country indicating the date of move from the Russian Federation. Such a certificate can be obtained from the diplomatic institutions of the Russian Federation in the country of residence.

In some cases, additional paperwork may be required:

  • upon entry into/divorce of marriage and change of surname - a copy of the relevant document;
  • if a woman has parental leave for up to one and a half (three) years, a copy of the child’s birth certificate;
  • when changing the name of the enterprise or organization in which the applicant worked - a certificate of its renaming.

All copies must be certified by the Russian consulate.

Rating
( 2 ratings, average 4.5 out of 5 )
Did you like the article? Share with friends:
Для любых предложений по сайту: [email protected]