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Questions answered by lawyers on the pension system of the Russian Federation

Question: During 2014-2015, everyone must choose the option of forming a pension. What is more profitable - to abandon the funded part and transfer contributions to the state Pension Fund or go to the NPF?

Answer: In order for you to make the right choice, you need to consider the advantages and disadvantages of each of these options. If you refuse to form a funded part, your pension will be guaranteed by the state in full. According to the law, the insurance part is subject to annual indexation based on the increase in the income of the Pension Fund and inflation rates. Thus, you will receive a stable income corresponding to the economic situation in the country.

It is important to understand that the article describes the most basic situations and does not take into account a number of technical issues. To solve your particular problem, get legal advice on housing issues by calling the hotlines:

If you save the funded part and transfer it to, you will be able to increase your savings and receive a higher pension. At the same time, it should be taken into account that the profitability is determined depending on the results of investing funds. In the event that the NPF incurs losses, you will receive only the amount that the employer transferred. The state does not index these contributions. The decision on which is more profitable is up to you to decide.

Question: In 2013, I entered the . I am listed as an individual entrepreneur, but in fact I do not work, my daughter runs the business. The size of my pension is lower than the subsistence minimum, which is set in our region. I heard that in this case I should be paid a surcharge. How can you arrange it?

Answer: In accordance with the law, citizens whose pension is below the regional subsistence minimum are provided with the appropriate social supplement. At the same time, they should not carry out labor activities. Since you are registered as an individual entrepreneur, you are considered a working citizen, despite the fact that you do not actually conduct business. To qualify for the allowance, you need to close the IP and re-register the business for a daughter or another person.

After the tax office issues tax deregistration documents, you can apply to the Pension Fund with an application for an allowance. It must be accompanied by a passport and a pension certificate. No additional documents need to be submitted. The supplement will be paid at the same time as the pension.

My mother retired at the age of 50 due to the loss of a breadwinner (her son died at the time), she lives in the area affected by radiation after the Chernobyl disaster, in connection with this, she has the right to retire at 52 and she should be paid two pensions for the loss breadwinner and old age (according to the law, those who live in the Chernobyl zone who receive a labor pension of less than 7254 rubles are assigned a pension, so her mother got less (6600 rubles) and even her mother has a 13-year-old dependent daughter. When mom started to apply for a pension in a pension fund, she was told that it was better to apply for a state pension, and a few days later another woman called her and began to say that she was not entitled to this pension, but only labor (6600 r) which includes accruals for her daughter's dependency, I would like to understand this issue.Is the state pension provided for, and not labor?

Pension Fund . I sued. So they tried in every possible way to cover up the case, they constantly demanded some new evidence. Finally, after more than 5 years, I managed to win the case in court. During this time, I repeatedly ended up in the hospital, because. the state of health has noticeably deteriorated from constant bullying and lawlessness. I have two questions about this. The first is about charging me interest, taking into account inflation. I submitted a request, but was told that my interest calculation was not correct and until I brought the correct calculation in accordance with the law, my request would not be accepted. Can you please tell me where can I find the correct formula for the calculation (I was told to use a consumer basket). Second . Can I sue for bullying that caused my poor health. Thanks a lot in advance. Tatiana

The husband is an individual entrepreneur, but not for 3 years, but only pays a fixed amount. payment to the pension fund. In 2010, under an agreement with a medical institution. had an expensive jaw surgery. Can a son receive a tax social deduction for treatment for a father, since he works and pays taxes?

I worked in SMU-2 of the metro construction from 1979 to 1990. For 8 years underground. According to the orders and dates recorded in the labor one. SMU-2 is now liquidated. And in the certificate from the archive for the pension fund there are completely different entries. work, and in the certificate on the same date and by the same order he was transferred to the surface. And in general, how to understand a drifter on the surface, we worked in tunnels anyway, and this is underground. Please help me figure it out or explain what to do or is it useless? Sincerely, Fedor

Good afternoon. Tell me, what will happen to the parent capital? Is it really only until December 31st? If the child is born next year, will there be no more capital?

Thanks for the question, I hasten to reassure.
If the second child is born or adopted next year, through December 31, 2016, then you have every right to receive a state certificate that you can dispose of and spend these funds at any time, including after 2016. Given that in the Kaliningrad region only 26% of all certificate holders have fully disposed of maternity capital funds, maternity capital will work for a long time, since the term of the order is not limited by law.

Why such small pensions in such a rich state? Why is there no increase in pensions by the coefficient of real inflation, which is why pensioners, who are already poor, become even poorer every day, month, year?

Dear Sergey! I want to note that the territorial bodies of the Pension Fund execute those laws that are in force in our state.

The average old-age insurance pension in the Kaliningrad region is 12,197 rubles. The level of wages has always influenced the size of the pension. At the same time, it should be noted that each person himself contributes to the size of his future pension. Since 2002, the amount of the pension includes insurance premiums that the employer pays to the Pension Fund on a monthly basis at the established rate. Moreover, contributions are paid only taking into account the official salary. The higher the salary, the more contributions per person the employer pays and the higher the pension will be in the future. As for the percentage of indexation, pensions are indexed annually to a level not lower than the official inflation. And in 2015, indexation was higher than planned. Since February 1, insurance pensions have been indexed by 11.4%, although only 7.5% was planned. From February 1, 2016, insurance pensions are planned to be increased by 4%. The issue of additional indexation of pensions due to real inflation was postponed to October 2016.

Good afternoon! Was it worth thinking about your pension at a time when the pension legislation of the Russian Federation is changing depending on the economic situation in the country and in the world? Today there are only laws. Tomorrow others. Today pensions are formed according to the same rules, tomorrow these rules will not work. Today is one retirement age. Tomorrow is different. How can you play the game called "earn a comfortable old age" if the state changes the rules of the game with stubborn regularity?

Good afternoon.

Indeed, pension legislation is changing, but at the same time it is being improved. Since 2002, the law “On labor pensions in the Russian Federation” came into force, and with its appearance, the issue of official wages became acute. Since 2015, the Law “On Insurance Pensions” has consolidated the insurance principles of pension provision. Receiving a white salary is the minimum that a person must secure for himself in order to replenish his future pension. Let me remind you that since 2002, insurance premiums have been taken into account in the amount of pensions, which the employer pays monthly to the Pension Fund at the rate established by the state. Insurance premiums are reflected in the individual personal account of the insured person. Then, upon reaching the generally established retirement age, these insurance premiums will become one of the grounds for assigning a pension. And the more the earned pension capital accumulated over all the years of labor activity, the higher the pension will be.

The system of insurance premiums will remain in the future, so, of course, you should think about pensions in advance. Raising the retirement age is a matter of time. Depends on the growth of life expectancy of citizens. Russia is one of the few countries with the lowest retirement age. In any case, the increase in the retirement age does not occur spontaneously, but has an economic justification and a transitional period that extends over more than one year. Even such an unpopular measure in the insurance system is aimed at increasing the size of the pension. After all, the longer a person works, the more pension rights he will have, the more pension he will be assigned.

Pension 5 thousand rubles. Tell me how you can live on this money?

If you are a pensioner and do not work, and the total amount of material security does not reach 7,161 rubles, you should contact the pension department with a corresponding application for the appointment of a federal social supplement to a pension.

Non-working pensioners, whose total amount of material support is lower than the subsistence minimum for a pensioner established in a constituent entity of the Russian Federation, are provided with social supplements for pensions. For 2015, the subsistence minimum for a pensioner for calculating social benefits in the Kaliningrad region is set at 7,161 rubles. - at the level of the size established in general for the Russian Federation.

When calculating the total amount of material security for a pensioner, the amounts of pension, additional monthly material security, monthly cash payment (including the social package), and other measures of social support in monetary terms are taken into account.

Zaitsev Leonid Ivanovich

Will my pension (pension points) be indexed in 2016 by at least the promised 4%, if in 2015 I worked at 0.25 wages and received 2000 per month?

Currently, the State Duma is considering a bill according to which working pensioners will continue to receive a pension in 2016, but the increase in its size due to indexation is not provided for in the budget. At the same time, the size of the pension will be reviewed as soon as the pensioner leaves work. In addition, for working pensioners, the adjustment of the size of the insurance pension in August remains.

I note that the final decision has not yet been made and the draft law is under discussion.

I came to the Kaliningrad region in 2001 from Uzbekistan. When calculating a pension, will my seniority (work in Uzbekistan) be counted for the period from 1991 to 2001 (i.e. from the collapse of the USSR and the formation of Uzbekistan as a sovereign state and before coming to Russia)? How to confirm this work experience?

Thanks for the question. The entire length of service will be taken into account, since the Agreement of March 13, 1992 is in force between Russia and the member states of the Commonwealth of Independent States in the field of pension provision. The Republic of Uzbekistan is a party to the Agreement. To confirm the experience, the main document is the work book. Archival references are also accepted.

Good afternoon! Will the time for making a decision on the funded part of the pension be extended, or is it mandatory to write an application for transfer to the NPF by December 31, 2015?

Good afternoon!

At the moment, according to the current legislation, citizens born in 1967 and younger must decide for themselves by the end of this year whether they want to form a funded pension or not. At the same time, it is worth remembering that changing the insurer, including the transition to the NPF, is possible in subsequent years.

The issue of extending the time for making a decision on the formation of the insurance premium rate is under consideration in the State Duma. If there are any changes, we will inform you additionally.

Vladimir Nikolaevich Pirozhkov

Please help me understand my situation. In 2011, I came from Kazakhstan under the state program "Compatriots". In 2014, he retired due to old age. Total work experience 43 years (since 1971). When calculating my pension, they took into account only 24 years and assigned me a pension of 5474 rubles. (By the way, I pay 4 thousand rubles for utilities). Question. Why should I receive such a pension and what is my fault if officials lost some of my documents during the years of privatization? Can the situation be corrected? With deep respect. Honorary Architect of Kazakhstan Member of the Union of Architects of the Republic of Kazakhstan Academician of the Design Academy "Kazgor" Member of the Union of Architects of Russia, Vladimir Pirozhkov

Dear Vladimir! To calculate the insurance old-age pension in Russia, length of service and earnings are taken into account only until January 1, 2002. If we assume that you have been working without interruption since 1971, then the length of service for calculating the pension cannot be more than 30 years (2001-1971). After 2002, insurance contributions paid by the employer for a specific employee to the Pension Fund of Russia are accepted for calculating the pension.

Insurance contributions paid to the Pension Fund of the Republic of Kazakhstan from 2002 to 2011 cannot be taken into account in the calculation of the Russian pension.

The size of the pension is significantly affected by earnings for any five consecutive years before 2002. The ratio of the average monthly earnings of a pensioner to the average monthly wages in the country for the same period is limited to 1.2. If your earnings ratio is less than the established value, you need to try to submit another income option for 5 consecutive years before January 1, 2002.

To clarify the periods of service not included in the calculation of the pension, you can send a request to the enterprise or to the archive. If you find it difficult to do so, the pension department will assist you with your request.

Good afternoon! Please tell me: when using maternity capital to improve living conditions, I could purchase another 1-room apartment (using maternity capital) in addition to the existing 3-room apartment (in which the apartment itself is registered to my husband). Or should I increase the existing living space, ie. if the apartment is 62 sq.m, can I buy another apartment of 30 sq.m, or is it only possible to buy an apartment over 62 sq.m? Thanks in advance for your reply!

Thanks for the question.
Despite the existing housing, you have the right to purchase another apartment, regardless of its area. The law has no restrictions on the presence of real estate and registration. Let me remind you that it is possible to dispose of state support for improving housing conditions when the child, in connection with whose birth a certificate was received, turns three years old.
However, there is an exception. Immediately after the birth (adoption) of a second or subsequent child, you can use a certificate for a down payment on a housing loan or loan, as well as direct mother capital funds to repay housing loans and loans.

Formed "Information on the state of the individual personal account of the insured person". Since 2010, the difference between the accrued and accounted for has gone, in 2011 these amounts differ exactly twice. Why money is not taken into account, and how to return it to the account? The second question is about the funded part. Still, what kind of constant 6% are we talking about? The employer deducts 22% - which of them and where does it go? Speaking of 10% for the insurance part, about 6% for the funded part, but where is the other 6%?

It is worth recalling that for policyholders in 2010 the basic rate was set - 20%, in 2011 - 26%, and from 2012 to the present - 22%. Because of this, the amounts reflected in the personal account are different. I would also like to note that from the total accrued amount of insurance premiums to the personal account of insured persons, the following is taken into account in the estimated pension capital:

For persons born in 1966 and older - 16% to the insurance pension;

For persons born in 1967 and younger, 16% is decomposed as follows: 10% - into an insurance pension and 6% - into a funded pension.

The remaining contributions from the main tariff go to the solidarity part, so in 2010 - 4%, in 2011 - 10%, and from 2012 - 6%.

The amount of insurance premiums for a funded pension for each insured person is determined on the basis of information about the amount of payments and other remuneration in favor of an individual, on which insurance premiums are accrued in accordance with the legislation of the Russian Federation and information about the choice of a pension option by the insured person (0.0 or 6.0 percent for funded pension funding).

For persons born in 1967 and younger who, in accordance with the procedure established by the Federal Law of May 7, 1998 N 75-FZ "On Non-State Pension Funds", Federal Law of December 15, 2001 N 167-FZ "On Compulsory Pension Insurance in the Russian Federation "and the Federal Law of July 24, 2002 N 111-FZ "On investing funds to finance funded pensions in the Russian Federation", concluded an agreement on compulsory pension insurance and applied for a transfer to a non-state pension fund or with an application for choosing an investment portfolio for the manager of a company, an extended investment portfolio of a state management company or an investment portfolio of government securities of a state management company (when changes are made to the unified register of insured persons under compulsory pension insurance or when the Pension Fund of the Russian Federation satisfies an application for choosing an investment portfolio) , the amount of insurance premiums for financing the funded pension is taken into account at the rate of 6.0 percentage points of the rate of insurance premium, except for the case if the insured person has changed the option of his/her pension provision by refusing to finance the funded pension and sending the percentage of the individual part of the insurance rate specified in this paragraph contributions to the insurance pension.

It should be noted that according to the legislation in 2014 and 2015 all employers' contributions were directed to the formation of an insurance pension, regardless of the option chosen by the insured person for the formation of their pension savings. The government decided to extend this moratorium to 2016.

Good afternoon! I am 57 years old, I work. The pension was 7600.00 until August 2015. After indexation, 9,000 thousand were transferred to working pensioners in August, 7,600.00 again in September, 8,000.00 in October, and 7,600.00 came again in November. What's the matter, why such jumps?

Thanks for the question.

Indeed, in August 2015, pensions for working pensioners were adjusted. This adjustment takes place annually, but this time the recalculation turned out to be unusual for the first time. Annual adjustment of pensions for working pensioners was made on the basis of the contributions that the employer paid for them in the 2nd - 4th quarters of the previous year and the 1st quarter of the current year. In 2015, only employer contributions for the previous year were taken into account. Thus, since August 2015, the recalculation was made on the basis of previously unaccounted for contributions, for the bulk of working pensioners - for the II - IV quarters of 2014. Clarification of the amount of pensions was made from January 1, 2015, and pensioners in August of this year received a pension in a new amount, taking into account the recalculation and a one-time amount of additional payment of pensions from January 1 to July 31, 2015. In September, the pension for working pensioners should be less than in August, but more than in July. Further, from September, the size of the pension should not change, since there were no mass works. Perhaps the amount of your pension has changed due to individual characteristics, for example, the dependent is 18 years old and you did not provide a document on his full-time education. This issue should be clarified with the pension department. You can make an appointment with a specialist in advance using the “Pre-appointment appointment” function on the website of the Pension Fund.

Alevtina

Hello! In March, I turn 55 years old. Can I claim to replace my pension with the pension of my late husband - a military pensioner (his pension is several times larger than the one that will be accrued to me)?

Hello.

You have the right to choose between receiving a survivor's pension or an old-age pension from the Pension Fund. To resolve this issue, you need to contact the pension department of the department where your spouse served and where his pension file is located.

Good afternoon. I want to know your opinion about the following situation. I contacted the company that posted the job on the site. The representative of the company agreed to give me information about the store, which requires employees, only if I agree to insure myself in some non-state pension fund. They asked me for a passport and an insurance pension certificate for photocopying. Tell me, please, how legal is such a requirement - to insure in a particular NPF in order to get the employer's contacts? Shouldn't I come additionally to the MFC or the FIU to confirm my intention? How do you assess such behavior of company employees who require them to write applications? Thank you.

Oksana, thanks for the question.
. Unfortunately, you are not the first to ask this question. Of course, according to the law, the choice of NPF is a personal choice of everyone. And no one has the right to force them to transfer their funded pension to one or another fund. However, some unscrupulous employers or NPF agents act incorrectly - they force a person to transfer their savings to a certain fund in various ways, while not providing the person with complete information about the non-state pension fund. Perhaps you should not trust companies that work in such a not entirely honest way. And you correctly noted that in addition to concluding an agreement with an NPF, a person must contact the pension department or the MFC and write an application for the transfer of his funded pension to an NPF or a management company (management company).

Good afternoon! The size of my pension and the additional payment for disability of the 2nd group is 7300 rubles. The living standard of a non-working pensioner in Kaliningrad is 8,100 rubles. Why am I not being paid the difference?

Dear Olga, thank you for your question.

The indicator of the subsistence minimum for the purpose of establishing a social supplement to a pension is often confused with the indicator of the subsistence minimum per capita for the main socio-demographic groups of the population in the Kaliningrad region, which is determined quarterly based on the consumer basket of the Kaliningrad region and data on statistics on the level of consumer prices for products food, non-food products, services and expenses for mandatory payments and fees and is intended for:

* assessment of the standard of living of the population of the Kaliningrad region in the development and implementation of regional social programs;

* providing the necessary state social assistance to poor citizens;

* formation of the regional budget.

The social supplement, in accordance with the legislation, is established from January 1, 2010 for non-working pensioners who have a total amount of material security less than the subsistence minimum established by the law of the constituent entity of the Russian Federation for the payment of social supplement for a year. When calculating the total amount of material security, the amounts of pensions, additional material (social) security, monthly cash payments (including the cost of a set of social services) and regular social support measures paid from the regional budget are taken into account.

In the Kaliningrad region, the subsistence minimum for a pensioner in order to establish a social supplement to a pension for 2015, on the basis of the law of the Kaliningrad region dated November 24, 2009 No. 393, with subsequent changes, is determined at the level of its size, established as a whole for the Russian Federation - 7161 rubles. Amendments to the law of the Kaliningrad region for 2016 are currently being considered, a final decision has not yet been made. The deadline for changing the subsistence minimum for establishing social supplements is January 1, 2016.

Now your payments are more than 7161 rubles, so you do not receive a social supplement.

Hello! Which NPF has the highest return? Which NPFs are the most reliable? How to check their creditworthiness, reliability? What to look for when choosing a fund?

When choosing an NPF, pay attention to the legal form, the NPF must be a joint-stock company. And second, it must be in the register of the Deposit Insurance Agency.

We recommend that you obtain information on profitability for each specific NPF on their websites.

Pletneva Elena

Please tell me whether pension certificates have really been canceled (I received A4 format paper), and if so, when will the uncomfortable paper be replaced with an electronic card?

Since 2010, a law has been in force on requesting information from the Pension Fund when providing municipal or state services for interdepartmental electronic interaction. Currently, all state and municipal bodies are connected or have the ability to connect to the electronic service for providing information on the amount of a pension, if they need such information to provide a service to a citizen. Therefore, since January 2015, the issuance of pension certificates has been canceled, since the pension certificate does not reflect real information about the pension provision of a citizen. At the moment, the issue of introducing electronic pension certificates is not being considered. However, when an electronic resident card is introduced in the region, the presence of a pension supplement is not excluded.

Irina Vitalievna

Good afternoon! Where do I need to go to check the correct calculation of the amount of the pension? After all, a pension of 7357 rubles 57 kopecks cannot be assigned with 30 years of experience and a white salary???

Hello!
You can always check the correctness of the pension assignment in your pension department if you come for a consultation. You can make an appointment in advance on the website of the Pension Fund. If you are not satisfied with the answer, then you have the right to contact a higher organization - the district office of the PFR or the Branch of the PFR. You can also send an appeal through the website of the Pension Fund of the Russian Federation.

Hello. How much points are awarded for civil servants? From a net salary or salary + allowances and bonuses?

Employers pay insurance premiums for pension insurance in the amount of 22% of the employee's wage fund. On the individual personal account of the employee in the Pension Fund, 16% of earnings are taken into account. If an employee forms a funded pension, then 10% of earnings go to the insurance pension, and 6% to the funded pension. The remaining 6% is used to finance a fixed pension payment and is not reflected in the personal account. It does not matter to which category of employees a citizen belongs, whether he works in the civil civil service or in another enterprise. At the same time, the maximum annual earnings from which contributions are paid is annually determined by federal law. In 2015, this is 711,000 rubles.

You can find out about the number of pension points already earned, periods of employment, length of service, and the amount of pension contributions in the online account on the website of the Pension Fund www.pfrf.ru. To gain access to the "Personal Account of the Insured Person", you must register on the State Services portal.

Good afternoon! I practically constantly work officially at 2 jobs, how will this affect my future pension? I was born in 1971

If in the same period of time a citizen works at several enterprises, then when determining the amount of the pension, wages, as well as insurance premiums, which are taken into account from January 1, 2002, are summed up from all enterprises. The higher the official salary, the higher the future pension.

Vlad Makarov

Good afternoon. I am interested in the following question. I have been disabled since childhood, now I have group 3 for life. I work, I get free medicines and travel by train + the possibility of a sanatorium. For two or three years, the pension is about 4.5-5 thousand. recently comes in two parts and with less and less rubles per hundred each time. Please tell me if everything is correct for me? So it should be that I do not notice an increase in the size of the pension?

Thanks for the question.

In connection with your situation, there are quite a few nuances. Firstly, pensions are indexed annually, so it cannot but grow. Thus, in 2013, pensions were increased twice: from February 1, the indexation of labor pensions amounted to 6.6%. From April 1, labor pensions were additionally indexed by 3.3%, as well as social pensions were increased by 1.81% and monthly cash payments were increased by 5.5%. In 2014, the indexation of pensions also took place twice - on February 1, labor pensions by 6.5%, from April 1 - by 1.7%. In addition, from April 1, social pensions were indexed by 17.1% and monthly cash payments by 5%. In 2015, labor pensions were indexed only once - from February 1 by 11.4%. Since April 1, only social pensions have increased by 10.3% and monthly cash payments by 5.5%. Therefore, all pensions are indexed and increased annually. In the event that you do not work and the total amount of material support is less than the subsistence minimum established by the law of the constituent entity of the Russian Federation for the payment of social supplements to pensions, then you are assigned a social supplement. When calculating the total amount of material security, the amounts of pensions, additional material (social) security, monthly cash payments (including the cost of a set of social services) and regular social support measures paid from the regional budget are taken into account. Disabled people from the regional budget receive monthly compensation benefits for housing and communal services, the amount of which changes monthly depending on the volume of services consumed in the previous month. Therefore, the social supplement is recalculated monthly. The amount of the subsistence minimum for a pensioner in order to establish a social supplement to a pension is determined by the law of the Kaliningrad Region once a year. This year it is 7161 rubles. This increase is planned from January 1, 2016.

Since September 2015, statements (SMS notifications) on credited amounts of pensions and other types of payments through PJSC Sberbank have changed. Therefore, you decided that the pension comes in several installments. For example, if a pensioner is a recipient of a pension, a monthly cash payment and a social supplement, then three amounts will be indicated separately in the account statement: the amount of the pension, the amount of the UDV and the amount of the social supplement. A message about the transfer of receipts from the Pension Fund to a bank card will come with three SMS notifications. To find out the total amount of enrollments, it is enough to add up all the amounts from SMS messages with the text “pension enrollment”.

I'm guaranteed not to live to see my retirement. What is the point for me to pay contributions to the pension fund if I cannot use even the pennies that our state promises to give for old age?

In case of official employment, the employer is obliged to make contributions to the Pension Fund of the Russian Federation. If a person forms a funded pension, then according to the law, pension savings can be transferred to successors in the event that a person passes away before the start of a well-deserved rest.

We are talking about pension savings, which include the amounts transferred by the employer to the individual personal account of the employee during his lifetime only for the funded part of the labor pension, as well as the net financial result from the temporary placement of pension savings by the Pension Fund and investment income.

Vasilyeva Anna

Good afternoon! How long does it take to get a certificate of absence of a disability pension? (certificate needed for reinstatement to military service)?

Good afternoon!
If you contact the pension department at your place of residence, you should be given this certificate immediately. Also, a certificate can be ordered on the website of the Pension Fund of Russia through the "Electronic Service". In this case, you can pick up the certificate from the pension department in two working days.

Good afternoon! I work in a government institution, the employer makes contributions to the pension fund, but I also have an agreement with a non-state pension fund, where the funded part of the pension is transferred, as I understand it, tell me, tell me how the pension will be drawn up for me, and is it worth transferring all the accruals to state pension fund, I do not understand the system.

If your pension savings are formed in a non-state pension fund, then you must apply to the NPF for the payment of pension savings. Or submit an “urgent” or “early” application for the transfer of the funded pension to the Pension Fund.

When submitting an "urgent" application for transfer to the FIU, the transfer of the funded pension is carried out in the year following the year in which the five-year period expires from the year in which such an application was submitted. This means that if a person submitted an application in 2015, then the transfer of his savings and investment income will finally be completed in 2021.

When applying for an “early” transfer to the Pension Fund, the transition of the funded pension is carried out in the year following the year of submission of such an application. This means that if the application was submitted in 2015, then the transfer of funded funds will be completed in 2016, but without investment income.

How to transfer pension savings from NPF to PFR, where to apply and what is needed for this? Thank you.

In order to transfer the funded part of the pension to the Pension Fund of the Russian Federation, it is necessary to submit an application for the transfer from a non-state pension fund to the Pension Fund of the Russian Federation. When applying for transfer to the FIU, the funded pension is transferred in the year following the year in which the five-year period expires from the year in which such an application was submitted. This means that if a person submitted an application in 2015, then the transfer of his savings and investment income will finally be completed in 2021.

When applying for an “early” transfer to a fund or to the Pension Fund, the funded pension is transferred in the year following the year in which such an application was submitted. This means that if the application was submitted in 2015, then the transfer of funded funds will be made in 2016, but without investment income.

You can apply in person both at any territorial body of the Pension Fund of the Russian Federation, regardless of place of residence, and through a multifunctional center for the provision of state and municipal services. If it is not possible to apply in person, it can be sent by mail. In this case, your signature must be certified by a notary.

Hello. According to official statistics, there are 28.8 thousand officially unemployed citizens in the Kaliningrad region, i.e. this is one in 20 of the economically active population. But in fact, most of these people work in the shadow sector of the economy, i.e. receive income, even organize businesses (most often related to the provision of services), but do not pay absolutely any taxes or mandatory payments (to the same Pension Fund and Health Insurance Fund). On sites such as Avito, these people advertise and even flaunt the fact that they work privately. How does the Pension Fund, together with other state bodies responsible for this work, plan to hold these “private traders” accountable and force them to pay the necessary payments, because because of this, the budget does not receive significant funds, including those that affect the size of pensions for real pensioners?

Thank you very much for the question.

At the moment, the Pension Fund pays a lot of attention to this topic. In the region, under the Government, a special commission has been established to deal with the situation on the labor market and the reduction of informal employment. The commission includes representatives of the FIU, the Federal Tax Service, the FSS. When facts of payment of wages in an envelope are found, employers are invited to a meeting of the commission, where they have to explain why they are breaking the law. All complaints from citizens are considered and, of course, action is taken. Inspections are carried out by FIU specialists within their powers. Organizations are included in the plan of on-site inspections jointly with representatives of the FSS. Or proposals are made to conduct coordinated inspections together with representatives of the Federal Tax Service for the Kaliningrad region with the participation of employees of law enforcement agencies.

Also, the information is sent to the state labor inspectorate for verification of the correctness of registration of labor relations. In addition, lists of employers who pay wages below the subsistence minimum or the minimum wage are sent to the State Labor Inspectorate in the Kaliningrad Region on a monthly basis.

At the initiative of the Government of the Kaliningrad Region, with the participation of representatives of the Prosecutor's Office, the Pension Fund of the Russian Federation, the Regional Branch of the FSS, the traffic police, raids are being carried out on small businesses. So, we checked the employees of fixed-route taxis. It turned out that no deductions were made to the PFR budget for some fixed-route taxi drivers. Like

there was also a raid on hairdressing salons and city markets.

As for any criminal penalties for the payment of "gray" wages, this is not yet provided for in the law. However, this measure of punishment is already being considered in the State Duma and, perhaps, already in 2016 we will work with a new law.

Catherine

Hello! Fifteen years ago, I worked at the Department of Federal State Employment in the Murmansk Region under a fixed-term employment contract. There is no entry in the workbook. I have my employment contracts. What do I need to do in order for this period of work to be included in the total work experience?

Ekaterina, periods of work are confirmed on the basis of information from individual (personalized) accounting - the PFR database, which is formed according to employers. The work book may not contain all information about temporary work, but this information must be present in the individual personal account of the insured person in the personalized accounting system. You can get acquainted with the information of your personal account in the "Personal Account of the Insured Person" on the website of the Pension Fund.
If the personal account contains incomplete information, then the length of service can be confirmed by documents, including a written employment contract drawn up in accordance with labor legislation in force on the day the relevant legal relationship arose. To supplement the personal account, working citizens apply with documents at the place of work, where the employer, together with the territorial body of the Pension Fund, resolves these issues, and non-working citizens - directly to the pension department at their place of residence.

Can a pension be lower than the subsistence minimum for pensioners in the Kaliningrad region?

Irina, thanks for the question.

Non-working pensioners who have a total amount of material support less than the subsistence minimum established by the law of the constituent entity of the Russian Federation for the payment of social supplements to pensions are assigned a social supplement. If a pensioner works, he is not entitled to a social supplement to his pension.

When calculating the total amount of material security, the amounts of pensions, additional material (social) security, monthly cash payments (including the cost of a set of social services) and regular social support measures paid from the regional budget are taken into account.

The size of social supplements for pensions is reviewed when the material support of the pensioner changes, as well as when the subject adopts a law on changing the subsistence minimum for calculating the social supplement.

In the Kaliningrad region, the subsistence minimum for a pensioner in order to establish a social supplement to a pension for 2015 is determined by the law of the Kaliningrad region dated November 24, 2009 No. 393, which is amended annually, at the level of the amount established in the whole of the Russian Federation - 7161 rubles. This increase is planned from January 1, 2016.

Shloma Natalia Adolfovna

Good afternoon! How can I check if my pension is correct? Why did I receive a pension for October 2015 by 2,000 less?

Dear Natalia Adolfovna!

Without seeing the pension case, it is impossible to say exactly what happened. Perhaps this is due to the adjustment for working pensioners, which took place in August. Annual adjustment of pensions for working pensioners was made on the basis of the contributions that the employer paid for them in the 2nd - 4th quarters of the previous year and the 1st quarter of the current year. And in 2015, in accordance with the law, only employer contributions for the previous year were taken into account. Thus, since August 2015, the recalculation was made on the basis of previously unaccounted for contributions, for the bulk of working pensioners - for the II - IV quarters of 2014. Clarification of the amount of pensions was carried out from January 1, 2015, and pensioners in August, and some in September, this year received a pension in a new amount, taking into account recalculation and a one-time amount of additional payment of pensions from January 1 to July 31, 2015. In subsequent months, this surcharge is no longer available.

Answers to questions about the correct appointment and payment of a pension can always be found in your pension department if you come for a consultation. You can make an appointment in advance on the website of the Pension Fund. If you are not satisfied with the answer, then you have the right to contact a higher organization - the district office of the PFR or the Branch of the PFR. An appeal can be sent through the website of the Pension Fund of the Russian Federation.

Good afternoon. In February 2012, an IP was opened. In the same 2012, in October, I officially got a job at a company for hire, where I work to this day. The IP has not been operating since September 2012. In December 2013, I had an accident and until June 2014 I was on sick leave. What about IP fees?

I draw your attention to the fact that the obligation to pay insurance premiums does not depend on the fact of doing business and earning income. Payment of contributions to the Pension Fund of the Russian Federation by an individual entrepreneur is made from the moment of acquiring the status of an individual entrepreneur and until the moment of exclusion from the USRIP (Unified State Register of Individual Entrepreneurs) due to the termination of the activity of an individual as an individual entrepreneur. Thus, the obligation to pay contributions is removed from an individual entrepreneur only after he submits to the registration authority (Interdistrict IFTS of Russia No. 1 for the Kaliningrad Region) an application for state registration of termination of activity as an individual entrepreneur.

The legislation also provides for exemption from paying insurance premiums for periods when activities are not conducted for objective reasons. For example, military service by conscription, caring for a child until he reaches the age of one and a half years, caring for a disabled person of group I, a disabled child or a person who has reached the age of 80 years, periods of residence of spouses of military personnel serving under a contract, as well as periods residence abroad of the spouses of employees sent to diplomatic missions and consular offices of the Russian Federation, during which they did not carry out the relevant activities. Unfortunately, other reasons are not considered objective.

Good evening. In 2014 and 2015, the funded part of pension contributions was frozen by the state and used for its needs. How will this be compensated when calculating the pension in the future?

Citizens in pension rights will not lose anything. All insurance contributions in 2014 and 2015 are directed to the formation of an insurance pension for future pensioners. That is, all insurance premiums are credited to the pension accounts of citizens in the Pension Fund, in whose favor these funds are accrued by employers. And the insurance pension, when the time comes, will be assigned taking into account these amounts.