Only pensioners (women - from 55 years old, and men - from 60 years old) can apply for the funded part of the pension.

The application is for them the main legal "bridge" that will lead to material well-being.

It develops, well-being, from employers' transfers of future pensioners, which accrue 22% of the employee's monthly earnings. The share of employers' contributions to the funded part of the pension is 6%. It is worth noting that you can also count on the funded pension:

1. persons who sent funds maternity capital to generate savings.
2. Participants in the co-financing of pension payments.

How to write?

How to write an application for a funded pension? Application forms for the funded part of the pension are distinguished by a clear, specific design style.

To complete the transfer of all information, you will need to write the following data:

Otherwise, the application will be rejected and you will have to start the entire registration process again.

What is submitted with the document?

Together with the application for the funded part of the pension, a package of documents is submitted. It includes:

• the passport;
• a document confirming the conclusion or dissolution of the marriage;
• certificate of compulsory pension insurance;
• details of a citizen for transferring payments (usually a bank account number).

IMPORTANT! If the application was submitted by a trusted representative, then together with all necessary papers you must also provide a document confirming the authority of the representative.

Where and when to apply?

How to apply for the funded part of the pension in the Pension Fund?

The collected documentation package and the written application are transferred either to management company, or a non-state fund in which a citizen's savings were formed. You can transfer the papers in person, by postal order or through the MFC.

The application is usually submitted personally by the citizen or his authorized representative. It is worth noting that you can apply no earlier than 30 days in advance. until the time of retirement.

If the application is submitted after reaching the legal age, then funded part pension is calculated from the date of its submission.

Deadlines and fees

Timing

The average processing time for an application varies from 5 to 7 days. The deadline for making a decision on specific case– 10 working days from the date of submission of the application.

However, there are situations when the pension processing specialist may suspend the consideration due to an incomplete verification of documents.

In this case The process can take up to 3 months. Based on the results of the checks made, the organization makes a decision on the appointment or refusal to issue funded pension, with the obligatory indication of the reasons.

State duty

The state duty (it also has other names: notary fee and tariff) is paid to cover the material costs of the legal authorities of the state. The amount of the state duty when registering the funded part of the pension has no fixed limits and can vary depending on the place of application.

The following categories of citizens may not pay the state duty: disabled people and participants in the Second World War, heroes of the USSR and the Russian Federation, minors and incapacitated persons, as well as holders of the Order of Glory.

What to do after submission?

A citizen can provide management of his funds to the State Pension Fund or a private pension fund.

If the State Fund is chosen, the organization will grant the right to manage funds to the following institutions: the Vnesheconombank company or any commercial organization.

The accrual of accumulative savings will occur monthly simultaneously with the insurance payment. The pensioner has the right to choose the method of accrual of funds independently. Among the options:

• remote transfer to a bank card;
• sending by postal order;
• method of accrual through any commercial organizations.

REFERENCE. If the pensioner changes his place of residence, then the accrual of funds occurs at the current location of the pensioner.

Features and nuances

A prominent feature of the registration of the funded part of the pension is that only citizens born in 1967 can apply for it. and subsequent years.

Their employment must begin before January 1, 2014, and the decision on choosing a funded pension must be made before December 31, 2015.

Note that it is almost always impossible to get your pension savings before retirement. The opportunity to receive the funded part appears simultaneously with the right to insurance pension.

However, there is an exception: early payment is possible in situations where a citizen is assigned early registration old age pensions. In addition, a feature of the funded pension is that it is inherited.

Recipients in this case will be the persons indicated by the deceased citizen in the will. If the will does not specify the names of the heirs, they will be determined in accordance with the law.

Watch a video on this topic:
Thus, the funded part of the pension This is a great way to increase your savings. And since its registration is not a difficult task, almost any retiree can invest his savings to increase capital.

When contacting Pension Fund with a request to receive a lump sum payment formed from the funded part of the pension, the citizen must submit a personal application.

Consider how the application form looks like, and also determine how to fill it out correctly so that there are no problems when accepting documents.

There is an approved form under No. 12, which was approved by the Ministry of Labor and Social Protection of the Russian Federation

You can get the application form from your city or county pension fund office, or you can print it out and fill it out at home .

The application form for the payment of the funded part of the pension looks like this:

Follow these rules when writing a document:

1. Enter all personal data in full: full name, date of birth, place of birth, information from an identity document.
2. In the columns where you indicate the address of the place of residence, actual residence, enter the exact information. If you live in the territory of another state, then this should also be indicated and not hidden.
3. For information that you do not know, it is better to ask a specialist.
4. Be sure to include your phone number where the FIU officer can call you and clarify the data or ask any question.
5. Please indicate what kind of pension you receive.
6. Asking for what you would like to receive lump sum payment funds pension savings, is already specified. You just have to check the box in which way you want to receive funds, through which organization.
7. Further lines are filled in if the legal representative of the applicant applies to the FIU. He also needs to provide all his personal data, as well as information about the power of attorney.
8. At the end of the document, you should put the date when you submitted the application and signature. If a representative applies, then his signature is required.
9. In order to record the submission of your application, the fund specialist must issue you a receipt-notification. At the end of the application, you must put the date and signature that you received the receipt.
10. You can draw up a document with a black or blue pen, or, having typed all the data on a PC, with the second option, it will be impossible to change anything.
11. Try to write in legible handwriting, avoiding mistakes.
12. Blots, corrections in the application are prohibited. You may be forced to rewrite it.

Appendix No. 2

to the order of the Ministry

health and social

development of the Russian Federation

INSTRUCTIONS

ON COMPLETING THE APPLICATION OF THE INSURED PERSON ON APPOINTMENT

OF THE CUMULAR PART OF THE LABOR PENSION

1. The first line of the application of the insured person for the appointment of the funded part of the labor pension (hereinafter referred to as the application) shall indicate the name of the non-state pension fund to which the insured person applied, in full in the nominative case.

2. Paragraph 1 of the application shall contain information about the insured person who is assigned the funded part of the labor pension:

surname, name, patronymic (if any) of the insured person are indicated in full in the nominative case in accordance with the document proving his identity;

in the line "Insurance number of the individual personal account of the insured person" the insurance number of the individual personal account of the insured person is indicated in accordance with the insurance certificate of the obligatory pension insurance of the insured person;

in the line "Number of the pension account of the funded part of the labor pension" shall indicate the number of the pension account of the funded part of the labor pension of the insured person;

in the line "Belonging to citizenship:" the word "citizen" or "citizen" is written, depending on who this line is filled in for, and the state of which the person is a citizen (subject) is indicated. If a person has dual citizenship, information about belonging to citizenship is indicated separated by a comma. If the person is not a citizen of the Russian Federation and does not have documents confirming the citizenship of a foreign state, then this line shall contain the words "stateless person";

information about residence in the Russian Federation is filled in if the insured person lives in the territory of the Russian Federation:

In the line "address of residence" the full address of the place of residence of the insured person is indicated, and in case of its absence, the word "no" is indicated;

The line "address of place of stay" is filled in if the insured person has a place of stay confirmed by registration, including if there is a place of residence confirmed by registration;

In the line "address of the place of residence" the full address of the place of residence of the insured person is indicated, and in case of its absence, the word "no" is indicated;

The line "address of actual residence" is filled in if the address of the place of actual residence of the insured person does not match the place of residence or place of stay, or the insured person does not have a registered place of residence and place of stay;

The telephone number of the insured person shall be indicated in the line "phone number";

information about the residence of the insured person outside the Russian Federation is filled in if the insured person lives outside the territory of the Russian Federation:

In the line "address of residence in the territory of another state" in Russian and foreign (the language of the state of residence) languages, the full address of the place of residence of the insured person in the territory of the state of residence is indicated;

In the line "address of residence before leaving the Russian Federation" in Russian, the full address of the place of residence of the insured person on the territory of the Russian Federation before leaving it;

the line "Name of the identity document" shall indicate the name of the submitted identity document of the insured person (passport, residence permit or other identity document established by the legislation of the Russian Federation). Further, in the relevant lines, the series, number, date of issue of the identity document, the name of the authority that issued it, as well as the date and place of birth of the insured person in accordance with the submitted identity document are indicated;

in the cell "Sex" the mark "husband" is made. or "female", corresponding to the sex of the insured person;

in the line "Currently: I work, I do not work" a corresponding mark is made in one of the two cells.

3. Paragraph 2 of the application is completed in addition to paragraph 1 of the application in the event of an application for the appointment of the funded part of the labor pension by a representative (legal representative of an incapacitated person, an organization entrusted with the performance of the duties of a guardian or trustee, an authorized person):

in the line "Representative of the insured person (legal representative of a legally incompetent person, organization entrusted with the performance of the duties of a guardian or trustee, trustee)" by underlining one of the proposed answers, the nature (type) of representation is specified;

when filling in the line "(last name, first name, patronymic (if any), representative, last name, first name, patronymic (if any) of an authorized person, name of the organization entrusted with the performance of the duties of a guardian or trustee, and last name, first name, patronymic (if any ) of its representative)" the surname, name, patronymic (if any) of the representative are indicated in full in accordance with the document proving his identity; for an organization entrusted with the performance of the duties of a guardian or trustee, the name of the organization is indicated in accordance with the constituent documents of the legal entity and the surname, name, patronymic (if any) of its representative;

information about the place of residence, place of stay, actual residence of the representative is filled in in the manner similar to filling in the specified data on the insured person provided for in paragraph 2 of the application, while for the organization entrusted with the performance of the duties of a guardian or trustee, the legal address of the organization is indicated in the corresponding line, the lines "address of place of residence" and "address of actual residence" are not filled in;

in the line "Phone number" the telephone number of the representative of the insured person (the organization entrusted with the performance of the duties of a guardian or trustee) is indicated;

in the line "Name of the identity document of the representative" the identity document of the representative (passport, residence permit or other identity document established by the legislation of the Russian Federation) is indicated, then in the corresponding lines of the application the series, number, date of issue of the identity document are indicated , name of the authority that issued it;

the line "Name of the document confirming the authority of the representative" shall indicate the document on the basis of which the representative performs his functions on behalf of and in the interests of the insured person (certificate of guardianship or guardianship, power of attorney or other document confirming the authority of the representative to exercise guardianship or guardianship established by law Russian Federation), then in the relevant lines of the application, the series, number of the document (if these details are provided for in the form of a document confirming the authority of the representative), the date of issue and the name of the authority that issued it are indicated.

4. Clause 3.1 of the application is filled in if the insured person has pension savings accounted for in the pension account of the funded part of the labor pension, formed from additional insurance premiums for the funded part of the labor pension, employer contributions, contributions for co-financing the formation of pension savings, income from their investment, funds (part of the funds) of maternity (family) capital, aimed at the formation of the funded part of the labor pension, income from their investment.

Depending on the choice of the insured person, whether or not to take into account the indicated funds of pension savings as part of the funded part of the old-age labor pension, a mark is made in one of two boxes: "take into account", "do not take into account".

5. In paragraph 4 of the application, in the appropriate box, a note is made on the appointment or non-assignment of the old-age labor pension, the insurance part of the old-age labor pension (with the exception of the fixed basic amount of the insurance part of the old-age labor pension), and also indicates the date (day, month and year ), with which the insured person was assigned an old-age labor pension, or insurance part old-age labor pension (with the exception of the fixed basic amount of the insurance part of the old-age labor pension).

6. In paragraph 5 of the application, depending on whether an urgent pension payment was assigned or not, a mark is made in the corresponding box.

7. Clause 6 of the application contains information about which the insured person (his representative) has been warned;

8. In paragraph 7 of the application, the documents attached to it are indicated:

in the column "Name of the document" the names of the documents attached to the application are indicated. If several documents with the same names are submitted, in addition to the name, details (information) clarifying the document are indicated: date of issue, number, for example, "certificate of seniority dated 09.11.1979 N 365";

in the line "I am familiar with the information specified in paragraph 6 of the application:

in the column "Date of filling out the application" the insured person (his representative) indicates the date of filling out the application;

The accuracy of the information provided in the application;

Familiarization of the insured person (his representative) with the information specified in paragraph 6 of the application;

in the column "Deciphering the signature (surname, initials)" the full surname and initials of the insured person or the surname and initials of the representative of the insured person shall be indicated.

9. A receipt-notification of acceptance and registration of an application of an insured person for the appointment of a funded part of a labor pension (hereinafter referred to as a receipt-notification) is filled in by an employee of a non-state pension fund who accepted an application from an insured person (his representative), except for the line "Receipt-notification received (and )" containing the date, the signature of the insured person (his representative), the transcript of the signature, in two copies, one of which is handed over to the insured person (his representative) or sent to him by mail.

10. The name of the non-state pension fund to which the application has been submitted shall be indicated in the first line of the receipt-notification.

11. In paragraph 1 of the receipt-notification:

in the line "Statement of the insured person on the appointment of the funded part of the labor pension" the surname, name, patronymic (if any) of the insured person are indicated in full in the nominative case in accordance with the document proving his identity;

in the line "insurance number of the individual personal account of the insured person" the insurance number of the individual personal account of the insured person is indicated in accordance with the insurance certificate of compulsory pension insurance;

in the line "submitted in the interests of the insured person by his representative" the surname and initials of the representative of the insured person shall be indicated;

in the line "and documents submitted with the application" the documents accepted simultaneously with the application are indicated:

The column "N p / p" indicates the serial number of the entry on the name of the attached document;

In the column "Name of the document" the names of the documents attached to the application are indicated. If several documents with the same names are submitted, in addition to the name, the details (information) clarifying the document are indicated: date of issue, number, for example, "certificate on the appointment of a labor pension dated 09.11.1979 N 365";

The column "Documents returned to the insured person (his representative)" is filled in when the documents are returned to the insured person (his representative);

In the column "date of return" the date of return of documents to the insured person (his representative) is indicated;

In the column "Signature of the insured person (his representative)" the signature of the insured person (his representative) is put on receipt of the document;

the line "accepted:" is filled in by an employee of a non-state pension fund:

In the column "Registration number of the application" the employee of the non-state pension fund who accepted the application from the insured person shall indicate the registration number of the application;

In the column "Date of receipt of the application" the employee of the non-state pension fund indicates the date of receipt of the application from the insured person;

In the column "Employee of a non-state pension fund" the signature, full surname and initials of an employee of a non-state pension fund shall be indicated.

12. Paragraph 2 of the notification receipt indicates the documents that must be submitted additionally for the appointment of the funded part of the labor pension:

in the line "Documents that must be submitted additionally no later than __________", the date is indicated no later than which additional documents must be submitted for the assignment of the funded part of the labor pension;

in the column "N p / p" the serial number of the record about the name of the document is indicated;

in the column "Name of the document" the names of the documents are indicated (certificate of seniority, etc.).

13. In paragraph 3 of the receipt-notification in the line "Receipt-notification received (a)":

in the column "Date" the insured person (his representative) indicates the date of receipt of the receipt-notification;

in the column "Signature of the insured person (his representative)" the insured person (his representative) puts a signature, which confirms:

Receipt of receipt-notification;

Obtaining an explanation of what documents must be submitted additionally for the appointment of the funded part of the labor pension and within what time frame;

in the column "Deciphering the signature (surname, initials)" the full surname and initials of the insured person or the full surname and initials of the representative of the insured person shall be indicated.

14. Clause 4 of the receipt-notification contains information about which the insured person (his representative) is warned.

15. Item 5 of the receipt-notification is filled in by an employee of the non-state pension fund when the insured person (his representative) submits additional documents after receiving the application of the insured person for the appointment of the funded part of the labor pension in the manner prescribed for filling out item 1 of the receipt-notification. At the same time, points 1, 2 and 3 of the notification receipts are not filled out.

The line "Last document submitted (date)" is filled in if the additionally submitted document is the last document required for assigning the funded part of the labor pension.

Together.

Contributions to the Pension Fund of Russia (hereinafter PFR) are transferred by the employer in the amount of 22% or, if a citizen belongs to the category of self-employed population (individual entrepreneurs, lawyers, notaries, members of farms, etc.) - in fixed size.

If future pensioner chose to form only an insurance pension, then the funds will be distributed as follows:

• 16% - for an insurance pension;
• 6% - for solidarity tariff, i.e. for the formation of fixed payments, etc.

If a citizen is going to form a funded pension, then out of 22% of the contributions:

• 10% - will be charged to the insurance,
• 6% - for accumulative,
• 6% - for the solidarity tariff as well as in the first option.

It must be remembered that the state the insurance pension is indexed annually, protecting it from inflation, and cumulative - no. But if the funds are transferred to an NPF or a management company (hereinafter referred to as the MC), then they will be invested and income will be credited to the pension account (the NPF does not guarantee a return on investment).

This choice is very important step because it depends future pension everyone.

Who is entitled to a funded pension?

This right is enjoyed by both citizens of the Russian Federation and foreign citizens permanently residing in Russia, if they have formed pension funds on an individual account with the insurer. (Article 4 of the Federal Law of December 28, 2013 N 424-FZ "About funded pension"). The retirement age in Russia is set at 55 for women and 60 for men.

Pension savings funds can be formed from 2002 citizens born in 1967 and younger with the help of additional insurance premiums, employer contributions for the worker, contributions to the individual account of the participant, and their investment income. It also exists in men from 1953 to 1966. and women from 1957 to 1966 (their contributions were deducted from 2002 to 2004).

Terms of appointment

Conclusion

In order to ensure a decent old age, we need to start taking measures aimed at increasing our pension savings right now. These measures can be:

• additional contributions under the co-financing program, if a citizen joined it in the period from 10/01/2008 to 12/31/2014 and made the first contribution before 12/31/2015;
• transfer to a special savings account;
• payment of employer contributions for the employee;
• also, if a citizen wishes, then he can himself with the help of additional contributions paid to the FIU (FZ of 04/30/2008 N 56-FZ);
• all these funds will be invested by the NPF or MC and the income will also be taken into account in this account.

If the future pensioner wants a really significant increase in k, then for this necessarily need to officially arrange labor relations with an employer. Receive a “white” salary, and not in an “envelope”, and thus the contributions for you will be transferred in full, and you will get what people who go on a well-deserved rest really deserve.

You must always be aware of the latest developments in pension legislation. These and many other actions will help everyone to be financially literate.