Pension savings mean the accumulated financial resources of working persons, from which the amount of the general labor pension is calculated, depending on the length of service.
Any resident of Russia can check his amount of annual accruals. Below is a description of how to find out the amount of savings, where and what documents will be needed for this.
General information
Every Russian has the legal right to receive insurance and pension pensions after the completion of the seniority.
There are the following types of pension savings:
- Target payments;
- One-time payments;
- Urgent e payments.
Savings are accrued and calculated as points when calculating odds.
The following citizens with Russian citizenship will receive old-age payments:
- Those who have reached retirement age(for a man 60 years old and for a woman 55 years old), part of the population has the right to receive a pension earlier than the specified age
- More than 15 years of insurance experience.
- Initial points scored. Now this number is 30.
Points are counted for each year worked. If the employee has only the insurance part of the pension, then 10 points are scored. If there is a funded part, then 6.25 points are awarded.
The employer directs 1/3 percent of the wage fund for each person. If a citizen wants to receive an insurance pension, then the entire amount will be redirected to the insurance part.
There are cases when 6% goes to the insurance part, and 16% is transferred to the funded part. This division of pension savings is available to people who were born after 1966.
The accumulated part of the funds can be received in several ways:
- Joining the non-state pension fund (NPF);
- Leave your documents in the pension fund Russian Federation (PF RF).
According to SNILS, any Russian can find out his savings in the following ways:
- At any local branch Sberbank;
- In the Internet;
- Request by mail information by registered mail;
- Extract from personal accounts.
Until the end of 2015, all pension contributions will continue to be transferred to the formation of insurance pensions.
How to find out about your pension savings according to SNILS?
SNILS is the insurance number of an individual personal account in the system of compulsory pension insurance.
This green card belongs to a specific person; it contains confidential data on seniority, contributions, and all savings.
With the help of SNILS, you can receive medical services, preferential travel and many other social services.
Employed citizens can get a personal SNILS in the Pension Fund of the Russian Federation or through their employer. It is enough to fill out a questionnaire for obtaining SNILS within two weeks after the conclusion of the contractual relationship.
The employer himself transfers information to the Pension Fund, then within three weeks an individual personal account will be opened for the employee and an insurance certificate will be issued.
Every year, the pension fund sends all working citizens a statement of accrued funds for the year worked.
It is advisable to check your individual information in the sent document each time.(name and account number).
This document gives information about how well the employer is doing their job on deductions.
The documents contain the following information:
- The amount of funds transferred by the pension fund or management company.
- Funds transferred under the Co-financing Program
- The amount of maternity capital for calculating the funded part of the pension.
Letters indicating pension accruals are sent by registered mail, which a citizen can pick up against his signature. If this letter did not arrive at the end of the year, you should contact the Pension Fund of the Russian Federation for an account statement.
At the branch of Sberbank
To obtain information about savings, you need to visit the nearest local branch of the bank, providing a citizen's passport, SNILS and an application.
After that, the citizen will be registered in a common database and given a password to access the "Personal Account" online.
Banks also provide this service: VTB, UralSib, Bank of Moscow, Gazprom.
Alternative ways
If a citizen has chosen an NPF to accumulate his savings, then he should contact the office of a non-state fund for information, providing his passport and SNILS.
Part of the NPFs, upon request, provide an account balance for an additional fee as a special service.
The disadvantage of this method:
- You must personally contact the branch of the NPF in weekdays.
The advantage of this method:
- Provides complete information on the face account.
Enhance Security
Frequent complaints from citizens about fraud forced the government of the Russian Federation to tighten control over the transfer of funds between different PFs.
There are times when a person draws up a loan, brings copies of documents to the bank, and after some time he receives a letter about the transfer of his savings to a non-state pension fund.
According to the law, a transfer between one NPF to another is valid only when an agreement is drawn up with the signature of a citizen. There are about 26 thousand cases of such fraud.
If a citizen has received a letter about the transfer of his savings to the NPF, the problem is solved by contacting the NPF with an application to terminate the contract.
On the Internet you can find ads “You can find out your SNILS online on our website!”. The price of the service is indicated, where to transfer money, the service is provided after prepayment.
Is it worth paying dubious people for something that a person himself can quickly and easily find out for free?
Other CIS countries
Information about savings is available not only to citizens of the country, but also to citizens of the CIS. Since 2015, information has been received via the Internet in the Republic of Kazakhstan. There are already developed mobile applications for phones.
Instructions for obtaining information on savings via the Internet.
How is information obtained via the Internet?
Let's take a look at the procedure below:
- Go to the site "Gosuslugi.ru", register in your personal account. To do this, you will need to enter the SNILS number and digital password.
- Follow the link and select "Electronic Services", then select the Pension Fund of the Russian Federation from the list.
- In the window that opens, select "Receive notification of the status of an individual personal account"(ILS).
After registration on the site, personal data will be verified and information will be provided on the funds transferred to the funded and insurance part of the pension. The procedure takes a little time. The given information on the monitor can be printed out.
The disadvantage of this method:
- Required pre-registration.
The advantage of this method:
- Quick pick up information.
- Account status can be obtained in any place.
Conclusion
As you can see, among the methods described above, you can choose the most convenient for yourself, which are available to absolutely everyone and are free.
Online government services are the most popular. The convenience of this method is obvious: all the necessary information can be found at home, just log on to the Internet. This also applies to paying for services and even ordering goods in stores.
To know how many contributions from the employer are listed means to be confident in your future. In addition, if deductions are not made, it will become known immediately, then it is better to go to court so as not to lose the length of service necessary for a future pension.
