Program from the pension fund. Co-financing of pensions. The procedure for receiving payments and the necessary documents

Young people do not think about their provision in adulthood, and even more so about finding more profitable sources of pension savings. Therefore, our government, taking care of the older generation, is carrying out a reform, issuing various social projects. One of them is participation in the formation of citizens' savings for pensions. In other words, this is a pension co-financing program.

The essence of the project is that by investing their own funds, a citizen receives a comparable additional payment and he develops a desire to increase these savings and effectively manage them. It is difficult to make a forecast about the progress of the pension reform, but they promise that the savings will work and increase, and the citizen will receive a higher pension.

Conditions for receiving financial support

The co-financing project is popularly called the program “1000 for 1000” rubles. It operates in accordance with the Federal Law of April 30, 2008 N 56 - FZ. To receive financial support from the state, two conditions must be met:

• become a participant of the co-financing project before January 1, 2015;
• make the first payment by January 31, 2015.

When depositing less than 2,000 rubles for the entire year, the state will not pay anything extra, since the established minimum amount will be lowered.

Participation in this project is voluntary, upon a written application, which must be submitted to the nearest PF institution.

The payment mechanism is simple. For example: a citizen participating in the program made a voluntary contribution to increase his pension in the amount of 3,000 rubles over the past year, then the state will pay another 3,000 rubles. Pension savings will increase by 6,000 rubles per year. If he transfers an additional 12,000 rubles, then state assistance will amount to 12,000 rubles for this year. And pension savings will increase by 24,000 rubles. It is not prohibited to make larger amounts of voluntary payments within one year, but the state surcharge will not exceed 12,000 rubles. For example, when transferring additional contributions in the amount of 20,000 rubles per year, co-financing will be 12,000 rubles. And the individual account will be replenished by 32,000 rubles.

Employers are also invited to participate in the project. They, like the state, can help employees with their own funds in creating pension savings by transferring additional contributions for them. The amount of such payments is not limited by law. By including an additional payment in the social package, business leaders create excellent motivation for their employees.

Special conditions are prescribed for project participants who are entitled to an old-age pension, but have not applied for a pension. For them, the amount of state support increases by 4 times, but not more than 48,000 rubles per year. For example, by transferring 10,000 rubles of additional contributions during the year, a citizen can increase his pension savings by 58,000 rubles (10,000 rubles + 48,000 rubles).

Duration of the project and the procedure for transferring additional contributions

The pension co-financing project was launched in October 2008 and was calculated until October 2013. Then it was extended, but at the same time the rights of pensioners were limited.

Voluntary payments are now co-financed only for those pensioners who joined the project through September 2013, inclusive.

The program is limited in time. Applications for participation since 2015 are not accepted. It is no longer possible to enter this project. For successful participants, it will last 10 years or until 2025.

Guaranteed additional payment to the citizen's voluntary contributions on the principle of "1000 per 1000" makes such operations very profitable. The state undertakes to co-finance additional investments in the range of two to twelve thousand rubles inclusive, for 10 years from the date of receipt of the first installments. Insured persons have the right to determine and change the amount of their contributions.

You can make them through the bank, by transferring funds to special accounts pension fund. All necessary details are obtained from the institutions of the Pension Fund. Exist different ways making contributions: in equal monthly installments or in other amounts in several payments. For example, in January, transfer 1,000 rubles and another 11,000 rubles in November. Or in equal monthly payments, 200 or 1000 rubles each.

And it is most convenient to make payments through your employer. To do this, you must write a written order to withhold contributions from accrued wages, indicating the amounts and necessary details for the transfer.

Pension capital management

Accumulated contributions, including state surcharges, at the choice of a citizen, can be transferred to the trust management of a state company - Vnesheconombank, private investment companies, or non-state pension funds. Information about the investments of these funds, as well as income from placement, is reflected in the personalized personal account of the insured client in the Pension Fund of the Russian Federation.
You can track your savings different ways. The main one is a personal appeal to the company or fund where the client's savings are formed. And you can assess the status of an individual account using the institution's Internet site and a single portal of public services.

How to withdraw from the pension co-financing project?

No opt-out statements are required for unilateral exit from the program. The draft does not give the concept of termination of contractual relations. It is enough not to make contributions, and the program of state surcharges will automatically end.

Tax deductions and benefits for participants in the co-financing project

For additional contributions that a person has voluntarily transferred to increase the funded pension under a co-financing project, a social deduction is provided within the limits of withheld tax on the income of an individual. With this deduction, you can return 13% of the payments made.

An employer can also co-finance the retirement savings of its employees. At the same time, enterprises benefit, since the amounts paid in favor of the employee relate to payments that are not included in the base for calculating mandatory insurance premiums (in the amount of 12,000 rubles per employee per year). The amounts of payments in favor of employees are included in the expenses of the enterprise, thereby optimizing the income tax.

When and how can I receive the accumulated part of the pension?

To receive a funded pension, you need to write an application and provide a set of documents to the place where the savings were formed. In other words, if the funds were placed in the Pension Fund of the Russian Federation, then contact their subordinate institutions or use the services of a multifunctional center. If you are a client of a non-state pension fund, then the application and documents should be submitted at its location. The funded pension is paid subject to the applicant's eligibility.

Funds or companies have ten working days from the date of receipt of documents for the legal assessment of documents and decision-making. Of the required documents, you will need a passport and SNILS. You can receive your savings in three types of payments:

• One-time. Produced if its amount is less than five percent of the calculated old-age pension. Such a payment allows you to receive all the savings only once and in full. It is worth remembering that the lump sum payment, starting from 2015, is made once every 5 years.
• Urgent. It is calculated and paid in equal parts for a period set by the recipient. The amount of the pension payment is determined by dividing the amount of savings by the selected period. It should not be less than 120 months.
• Perpetual. Provides monthly receipt of pension savings until the end of the life of the recipient. It is considered as follows: the entire amount of savings is divided into 246 months, a period established by the government since 2018. This type involves the payment of a small amount, but has a significant advantage - payments will not stop after 20.5 years, but will be made for life.
  The process of receiving accumulated payments is quite simple. The main thing is to know where to apply and provide the required documents.

Inheritance of the funded part of the pension

Retirement savings of deceased citizens participating in the co-financing project are inherited if death occurs:

• until the moment of appointment of payment or its recalculation;
• after the appointment of an urgent payment;
• after appointment lump sum payment, in a situation where the funds were not transferred to the recipient.

If a person died after the appointment of an indefinite pension, then the accumulated funds are not subject to inheritance.

The heirs will be able to receive savings formed by the testator himself and his employer, including state supplements, as well as income from investments of these savings.
First of all, parents, spouses and children become legal successors. In the absence of heirs of the first stage, the inheritance passes to relatives of the second stage.
It is also possible to bequeath the accumulated savings to other citizens by drawing up an administrative statement during their lifetime indicating the heirs.

Pension co-financing - Government program, designed to help the citizens of the country prepare for themselves a secure old age. It was introduced in April 2008, but the acceptance of applications for participation began only six months later. Participation in the program involves the annual contribution by a citizen of an unlimited amount of funds to a special account. The state multiplies part of this sum. Also, the amount of savings increases due to the investment of these funds. A person can independently decide where to increase his future pension: in the NPF, Vnesheconombank or a private company. If desired, funds can be transferred from one NPF to another.

According to the latest news, in 2020, only those who last did it 5 years ago, that is, in 2013, can transfer the accumulated capital without any losses. With a rash transfer, you can lose significant amounts of investment income. If less than five years have passed since the last NPF change, the program participant will lose investment income for the current year during the transfer. You can find out about the last change of the insurer in the "Personal Account" on the portals of the State Services and the Pension Fund of the Russian Federation, as well as by ordering an extract from a personal account in the NPF.

Who can take part in the program?

Participants of the state program are divided into three types:

1. Russians who want to increase their pension savings;
2. their employers, who may choose to join the program;
3. state co-financing pension payments.

By 2015, participants in the state program were formed from among the citizens of the country. Everyone could apply from October 2008 until the end of 2014. They also had to have time to make at least one voluntary insurance contribution (DSV) by the end of January 2015 towards the funded part of the pension salary. If the application was submitted from November 5, 2014 by a person already receiving payments, his subsequent CST went to the account of savings, but was no longer increased by the state.

According to the program, the participant can annually contribute any amount that goes towards the growth of his funded pension. According to Article 13 of Law No. 56-FZ, if the amount of the contribution is from 2 to 12 thousand rubles a year, the state doubles this amount. If a person is entitled to one of the types of insurance payments, for which he decided not to apply, the state increases his annual contributions four times. The maximum possible amount of state aid per year is 48 thousand rubles.

A participant, in addition to the state and a citizen, may also be the employer of the latter. According to Article 8 of Law No. 56-FZ, having decided to take part in the fate of an employee, the employer must issue an appropriate order or make a special clause in the collective agreement. The amount of DST in favor of the employee is calculated by the employer every month independently, because he pays the money from his own funds. Such contributions are made to a special account opened with the Federal Treasury in the department of the Central Bank, and are issued in separate payment orders. The employer is obliged to form an additional register of insured employees, in favor of whom he makes additional contributions. Within twenty days after the end of the quarter, all registers must be submitted to the FIU. If the number of such employees exceeds 25 (data are taken for a calendar year), documents can be sent electronically, and they must be signed with an enhanced qualification electronic signature.

All questions regarding the program can be asked by calling the Unified Federal Telephone Service of the Pension Fund at 8 800 510 55 55.

Ways to apply DSS

Money can be deposited into the account through any organization that has permission to conduct banking operations. After the payment is made, within 20 days from the end of the quarter, a copy of the receipt for payment of funds must be sent to the PF. Papers can be taken to the FIU department, sent by mail or sent through the PF RF website. You can also generate a payment receipt form on the site. To do this, you need to indicate that you are an insured person, select the region of residence, and also enter your full name, address, SNILS number and payment amount. The receipt generated by the system can be printed or downloaded in PDF format.

According to Article 5 of Law No. 56-FZ, contributions can be transferred not only independently, by depositing a certain amount into the account, but also through the employer. To do this, the employee must submit an application indicating the fact of participation in the state program, as well as the amount selected for paying the DST. Moreover, you can specify both a specific amount of money and a percentage of wages, which the employer undertakes to transfer to the fund on a monthly basis. DST from the salary will begin to be credited to the account from the 1st day of the month following the application. Subsequently, you can change the value of the DSV or completely refuse them by writing an appropriate application. Upon termination of the employment contract, the employer automatically stops payments.

Advantages

Participation in the program involves some benefits in the field of taxation and inheritance. Paragraph 5 of Article 219 of the Tax Code gives taxpayers who contribute DST to the funded part of their pension salary the right to receive a social tax deduction. For this in tax office You must provide proof of payment of fees. The maximum amount from which you can receive a deduction is 12 thousand rubles per year. The deduction can be obtained through the accounting department (if DST was paid in the form of deductions from wages through the employer) or the tax office. For the second method, the following papers will be required:

• passport;
• a completed declaration (in the form of 3-NDFL), which reflects the payment of contributions;
• certificate of the amount of the transferred DST from wages;
• copies of papers confirming the independent deposit of funds;
• account details for transferring the amount of the deduction.

The privilege is available only to those who independently contributed the DST. If the employer did this at his own expense, the employee is not entitled to a tax deduction.

The tax authority checks the submitted papers within three months, after which, if a positive decision is made, the money due to him is transferred to the citizen. If a program participant has deposited a maximum of 12 thousand rubles into the account, 1,560 rubles will be returned to him, that is, 13%.

In the event of the death of a depositor, all the savings accumulated by him are transferred to his heirs, whose names were indicated in the agreement concluded with the fund, or in the application submitted to the fund during the validity of the agreement. If the deceased did not leave a will and did not appoint legal successors, the money is divided among the next of kin. The inheritance must be applied for within six months from the date of death of the relative who contributed the DST.

How to receive the money?

Money from the account cannot be withdrawn at will - they form funded part pension pay. The receipt of this type of payment depends solely on the age of the person. According to the new rules introduced, it is no longer necessary to wait until the retirement age is reached, which in 2020 will begin to grow annually by 1 year until it grows by 5 years by 2024. Men can receive money at the age of 60, women - at 55.

Having reached the above age, you need to contact the employees of the organization where the savings are stored. You need to take with you:

• passport;
• SNILS;
• pensioner's certificate;
• details of the bank account to which payments will be received.

The cumulative part of the pension content can be received both for the rest of your life (in the form of a monthly increase in pension), and for a period of at least 10 years. There is an opportunity to receive the accumulated funds in the form of a one-time payment. However, this is allowed only for those who have left (or accumulated) no more than 5% of the amount of the insurance part of the pension salary in their account.

Until what year is the program valid?

Participants may have a question: until what year should they pay additional contributions and be able to receive a tax benefit from them? The co-financing program is designed for 10 years. Thus, the last participant will finish it in 2025. The amounts contributed after this period are no longer multiplied at the expense of the state, but grow only due to investment.

Since 2015 it is not possible to join the program. However, this does not mean that it is impossible to form pension savings to increase your payments later. And in 2020, those who wish can choose NPFs and transfer funds there, however, they will not be increased by the state. Capital will grow only through investment.

In Sberbank, the country's largest NPF, you can draw up an individual pension plan by creating savings that can be used until retirement age. At the same time, you can independently choose the amount of contributions, the term for replenishing the account and the period of subsequent payments (at least 5 years). Like the capital of participants in the co-financing program, savings are invested, due to which they grow, make it possible to receive a social tax deduction of 13%, are inherited and are not divided upon divorce. The amount of the first installment must be at least 1.5 thousand rubles, subsequent - at least 500 rubles. To form a pension plan, you need to contact Sberbank or fill out an application on the website.

Conclusion

The pension co-financing program is valid until 2025, but since 2015 it has been closed to new participants. Everyone who managed to submit an application and made the first installment before this deadline increases their savings through state assistance and investing funds for 10 years, after which co-financing is terminated. An employer can also join the program by making voluntary contributions for their employees. At the same time, he gets the opportunity to deduct the transferred amounts from profit taxation (within 12%). Upon reaching a certain age, a member may apply for a Lifetime Pension Supplement, a Term Retirement Salary or a Lump Sum (if the account balance is less than 5% of insurance benefits).

Since 2009, a program for co-financing the funded part of the pension has been launched. Now Russians voluntarily pay contributions to their pensions, the state invests these funds in assets, returning money to citizens with interest. Within the framework of the program, you can receive a maximum of 480 thousand rubles.

essence

The pension co-financing program has been developed for all categories of the population. Its essence lies in the fact that a citizen deposits funds into a separate account. The minimum investment amount is 2,000 rubles per year. The state doubles this money and pays an additional amount equal to the contribution. Pension co-financing allows participants to receive a maximum of 12 thousand rubles. in year. If a citizen contributed 12,000 rubles within the framework of the program, the state will pay the same amount. But if the amount of investment exceeds this figure, then only 12 thousand rubles will still come from the budget.

The maximum duration of the program is 10 years from the date of receipt of the first installments. Each participant himself can decide on the termination or renewal of transfers, regulate their size. The maximum amount of additional payment that can be received within the framework of such a project as co-financing a pension is 120 thousand rubles. For working pensioners who have not yet applied for benefits, the maximum annual contribution is 48 thousand rubles. For the entire duration of the program, you can get 600 thousand rubles.

How to get involved?

You need to write an application for state support in the pension fund at the place of residence, send it through the employer or transfer agent. It is an intermediary between the PF and the population. Non-state PF, asset management companies (AMC) and other financial institutions can act in this capacity. If a citizen is outside the country, you can send an application certified by a notary or consular officials by mail.

Pension co-financing program

All the contributions transferred are included in the citizen's savings and credited to his personal account. That is, the same organization that manages the funded pension is engaged in management. By default, this is the AMC of Vnesheconombank. Citizens can themselves choose an AMC or NPF as an agent.

The funded pension is kept in an individual account and can be paid out:

• at the same time;
• several payments within the specified period;
• installments together with the main payment.

In the second and third cases, the amount of the payment is calculated using a simple formula. Russian pension, stored in an individual account and including the funded part and investment income, is divided by the specified number of years or months. The payout amount directly depends on the amount of money in the account. Therefore, a program of state co-financing of pensions was developed so that citizens could independently replenish their social benefits.

Payment of funds

At the end of each year, citizens can decide on the formation of savings and insurance premiums. If a person refuses to form savings, then all insurance premiums paid at a rate of 16% will be sent to the insurance payment.

Silent people who had never chosen an AMC or an NPF had to submit an application to the Pension Fund by the end of 2015 about choosing the option of accumulating pension savings. All other citizens can also switch to another PF or refuse a specific AMC intermediary or NPF. They must also apply for this. For persons who wished to remain “silent” for 2016, pension savings at the expense of employers will no longer be formed from 2017, and all contributions will be directed towards insurance payments.

Persons who in previous years at least once submitted an application to the Criminal Code or NPF, and it was satisfied, the funded pension will still be paid out of insurance premiums. They do not need to submit an additional application for 6%. You can get savings in the form of a pension (social, labor, disability, in case of loss of a breadwinner). After the death of a person who did not have time to receive his payment, the money will be given to his heirs.

Changes in pension co-financing

Any citizen can transfer contributions. But co-financing for pensioners will work only if the citizen does not yet receive social benefits from the state. For a retired judge, the limitation is to receive a monthly allowance. These features do not apply to military personnel, fire service employees, and internal affairs.

The program of state co-financing of pensions is limited in time. The last applications were accepted in December 2014. The program began to operate if the first installment was made before 01/31/2015. Persons who did not manage to meet these requirements on time will not receive funds from the National Welfare Fund.

Long-term pension savings programs in European countries have long become commonplace. In Russia, the demand for them is not so great yet. Let's try to figure out why this happens.

Lack of control

By investing in a pension plan, a person loses control over them. Unlike the same mutual funds and deposits, pension co-financing cannot be terminated ahead of schedule. But sometimes there are situations when you need a large amount of money. For example, to organize a wedding or start your own business. In such situations, savings may be required.

Lack of confidence in the pension plan

Most of the working population of Russia works unofficially and receives a salary in an envelope. IN best case the official income of such citizens is shown several times lower than the actual income, at worst, it is absent altogether. In theory, co-financing of pensions is intended for such categories of citizens. But then the duration of the program should be for life.

I want to live well now, not in the distant future

As you know, the hardest thing is not to earn money, but to save it. Within the framework of this program, citizens have to independently transfer funds to the PF or AMC account. That is, a person must consciously refuse to satisfy his needs in the amount of 2 thousand rubles. today, in order to receive an amount twice as large in a few decades. It's hard psychologically. When a regular salary is issued, all deductions are made by the accountant. The employee receives an already “clean” amount of funds.

Besides, retirement age is constantly increasing. Some people just don't live up to it. Great importance also has the mentality of our fellow citizens. Everything state and long-term is considered as another way to withdraw funds from the population.

Statistics

4 million 680 thousand citizens receive money from savings. Nearly 16 million people participate in the pension co-financing program.

In 2012, since the entry into force of the law of the Russian Federation "On the procedure for paying pension savings", 5 million people applied for benefits. For 4.5 million applications, a decision was made on a lump sum payment, since the amount of funds in the accounts was not enough to apply for a pension. Another 3 thousand people receive urgent payments. And only 20 thousand citizens use funds from the funded part labor pension. The average amount of such payments is 9.4 thousand rubles, 831 rubles. and 692 rubles, respectively.

As of December 31, 2014, 15 million 934 thousand people became participants in the co-financing program. In 2014, the total amount of contributions amounted to 9.6 billion rubles. That is the average size transfer increased from 6,962 thousand rubles. in 2013 to 8,497 thousand rubles. in 2014. During the same period, the amount of contributions transferred through employers increased by 71% and amounted to 200.5 million rubles. Over the previous two years, about 40 billion rubles were collected. The state received transfers in the amount of 12.422 billion rubles.

Conclusion

Pension co-financing will be available to citizens who:

• annually transfer more than 2 thousand rubles. in the form of contributions;
• submitted an application before 12/31/2014 and paid the first installment before 01/31/2015.

To date, new participants can no longer join the program. Existing clients of the PFR or NPF can continue to form or refuse to accumulate a pension.

Support for pensioners in Russia is carried out not only by paying monthly pensions. There are a number of programs that extend their effect to people who have already retired due to age or are still working, but already taking care of their future.

The state pension co-financing program is one of the measures to support people who are currently working in order to attract finance and improve the quality of life of an elderly person.

What it is

The co-financing program is a set of measures to increase the pension savings of working citizens with the help of public funds. The operation of this program operates within the framework of Federal Law No. 56.

The procedure for this program is as follows:

• the holder of the Pension account in the PFR or NPF independently transfers money to it or through the employer;
• the fund credits funds to the account of the funded part of the pension;
• funds received during the year are doubled or increased by 4 times for certain categories of citizens;
• the account holder has the right to dispose of the funds in the same way as the procedure established for the funded part of the pension.

Cumulative

The total amount of funds transferred to the employee's account by the employer is 22%, of which, in the period from 2002 to 2013, contributions could be divided into insurance and funded parts of 16 and 6 percent, respectively.

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In order to become a holder of a funded allowance, a citizen had to conclude an agreement with the NPF, the Criminal Code or declare his intention to the PFR branch before the end of 2015.

Today, this program has been suspended, but the co-financing of pensions for the working part of the population continues to operate.

Until what year is it valid

The co-financing program is limited both by the terms of entry into it and by the validity period. It began operating in Russia on 10.2008.

By December 31, 2014, those wishing to become a participant in the program must declare this to the FIU or another organization holding savings.

The first installment was to be made in the amount of at least 2,000 rubles and no later than December 31, 2015, otherwise the owner of the funds is not a participant in the program and cannot further count on an increase in his money at the expense of the state.

For citizens who have fulfilled all the conditions and joined the program of state co-financing of pensions, the program will continue to operate until 2025. But no more than 10 years for each investor.

For those who became a member from November 5 to December 31, 2014, it is impossible to increase the invested funds. All the money that was deposited into the account will only increase the size of the total capital.

Contributions

The amount to be deposited into the account is determined independently by the holder of the funds. The minimum and maximum size is determined in accordance with Federal Law No. 56:

The program also provides for increased co-financing rates if all the conditions established for the investor are met:

• have the right to accrue an insurance type of pension;
• refuse insurance and accumulative accruals to the account in the Pension Fund of the Russian Federation;
• refuse lump-sum and urgent payments from the funded part of the pension;
• refuse the second pension and monthly payments for the maintenance of state and military employees in retirement.

Thus, contributors will have the opportunity to multiply their annual contributions by 4 times.

How and where to list

There are two options for paying additional fees to participate in the program:

tax deductions

From the amount of contributions transferred from their own funds under the co-financing program, their owner has the right to receive tax deductions. The procedure by which refundable funds will be paid is determined by the Tax Code of the Russian Federation, in paragraph 5 of Article 219.

The procedure can be carried out by contacting the accounting department or directly to the tax office.

To apply directly to the tax authority, you will need to provide the following documents:

• tax return at the end of the year in which the contribution was last paid;
• certificate of the amount of accrued deductions and withheld taxes for the same period;
• documents confirming the transfer of additional insurance premiums (certificates from the employer, receipts from banks, etc.), as well as their copies;
• an application for carrying out an operation to return personal income tax, indicating the details of the account for transferring money from the Tax Inspectorate.

Within 3 years after the contribution of money to the pension account, their owner can return the part calculated for the payment of taxes.

How to receive the money

Citizens who have already become pensioners and have on their savings account. The following arrangements also apply to this program:

1. Payment of the entire amount once, for recipients recognized as disabled, who have lost their breadwinner and other categories of disabled citizens who are on state support.
2. During the period of 426 months (established from 2020) receive funds monthly.
3. Within 10 years to receive payments urgently.

The procedure for receiving payments

To receive funds, you need to contact the Pension Fund branch by leaving an application in your personal account on the official portal of the PFR or by sending an application by mail.

Documents must be submitted to the fund only once, in order to receive the first or lump sum payment. In other cases, confirmation of the grounds is not required.

After the death of the insured person

Funds accumulated in the account through the co-financing program can be inherited.

At the same time, the number of successors is not limited, the holder can himself appoint in relation to them the shares in which the funds will be distributed.

What documents are required

In order for the application to be accepted and a positive decision made on the appointment of payment, you must provide:

• identity cards (passport, military ID, driver's license);
• work book (original and copy) to confirm the length of service.

Additional documentary evidence may be required at the request of the fund staff.

In what form is pension co-financing offered in 2020 - what they say last news how to get the invested money, and how realistic are the proposals being made to introduce an alternative - IPC (individual pension capital)?

What was offered?

The state pension co-financing program was launched in 2008. Everyone was invited to take part in it on the following conditions: transfer from 2 to 12 thousand rubles to the funded pension. per year, and the state doubles your amount. Those who deposited less than 2,000 a year into their account cannot count on doubling their savings.

Time to participate in pension co-financing was limited, and those who are interested today until what year the state program is valid should know that the deadline for submitting an application has long expired - December 31, 2014. At the same time, those who managed to continue to make savings and receive bonuses from the state.

It is also important that those who applied at the very end - from November 5 to December 31, 2014 - although they got the opportunity to increase the funded part due to their payments, the state did not double the amount paid. But favorable conditions were offered to those pensioners who decided to continue working. The state has increased the contributed sum not in two, but in four times. That is, the maximum contribution of 12 thousand will automatically add 60 thousand rubles to the funded part for the year.

How to receive the money?

Since pension co-financing is completed, many would like to know how to get money for pensioners? Payments are made when applying for a funded old-age benefit by submitting a separate application to the FIU. At the discretion of the inspector, payment may be:

• return one-time;
• split into equal parts and pay over a certain period, for example, for 5 or 10 years;
• pay for life.

On a note! The most popular option is broken down by period, and the most unprofitable is a lifetime payment (in this case, each month the increase in pension will be a penny).

Savings can be received not only by the participants of the state program, but also by successors - children (relatives and adopted children), husbands / wives, parents, brothers / sisters, grandchildren.

Savings will be paid in the event of the death of a participant in the state program, if it occurs:

• before the appointment of a pension or its recalculation, taking into account voluntarily contributed funds;
• after the appointment of an urgent benefit, which everyone can apply for, the balance from the pensioner's personal account will be issued from the funded part (excluding the mother's capital, if it was used to form the social benefit of the deceased);
• after the pension was assigned, but until the moment the lump-sum amount is issued - in this case, close relatives will be able to receive the money, but only if they lived with the deceased, as well as dependents (regardless of place of residence) within 16 weeks from the date of death. If there are no such persons, the money is redirected to the inheritance.

Important! If an indefinite payment of the funded part was initially issued, that is, the amount was paid in equal monthly installments, relatives will not receive money.

To receive a pension increase, you must apply to the FIU. Sometimes the inspector suggests writing three options, then to choose one - to list everything at once, in parts for a set period of time, or stretch it out for the rest of your life. The pensioner himself does not have the right to make such a choice.

If we are talking about payments to successors, then you will have to attach documents confirming kinship. You should apply strictly within six months from the moment of the death of the program participant. If you miss the deadline, you will have to restore it through the court.

A package of documents is brought to the FIU in person or sent by registered mail with a list of attached papers and notification. Within a month following the appeal, a decision is made on payments to successors.

In all cases, within 5 days from the date of the decision on satisfaction / refusal, the applicant is notified. No later than the 20th day of the month following the month in which the decision was made, the money must be transferred.

When submitting an application, participants in the pension co-financing program were asked to choose a convenient option for how to receive money - in cash at the post office or by bank transfer to a bank account. Based on the selection, an enumeration is made.

How to pay?

Although it is no longer possible to join the state program, co-financing of pensions in 2020 continues. Those who applied no later than 12/31/2014 continue to increase their old-age allowance with the support of the authorities.

Important! The first payment must be made no later than January 31, 2015. Otherwise, participation in the program will be cancelled.

You can deposit amounts both in equal installments throughout the year, for example, a thousand per month (or other convenient amounts, but not less than 2 thousand per year), or in a single payment, say, 12 thousand at the end of the year. The money is deposited into a savings account.

There are two options:

• pay in person at the bank (a payment form can be generated on the official website of the Pension Fund - https://www.pfrf.ru/eservices/pay_docs/);
• through the employer: you must submit an application in free form, indicating the amount of payment (a fixed amount or a percentage of earnings).

Why did they turn?

According to expert estimates, only 800,000 Russians have decided to participate in the state pension co-financing program. The number seems significant. In fact, average each contributed 16-18 thousand rubles. (on average, it means that someone contributed 2 thousand a year, and someone 12), and this is a “drop in the ocean”, because in terms of pension payment, the increase will be 75 rubles per month. Even very comfortable conditions for participation could not stimulate citizens, and the point is not that the majority do not think about a serene old age, but in the banal impossibility to save at least some crumbs for a rainy day.

The average salary in the country is 36 thousand rubles, while more than 70% of workers receive much less in their hands. Financiers assure that long-term savings in the current economic situation is possible only with earnings of 60,000 rubles or more, and only a small percentage of Russians receive that much. Those who have good incomes are unlikely to choose a retirement account for investments, because there are more profitable ways to increase savings, for example, regular replenishment of a bank deposit. And the withdrawal restrictions are minimal - I urgently needed money for treatment, I went and took it.

What do they offer?

Everyone, without exception, today is concerned about the planned pension reform, some provisions of which have already begun to be implemented. It is still unknown what final form it will take, but one of the innovations may be the IPC, which is considered today as an alternative to the unsuccessful idea of ​​co-financing a pension.

At first glance, the idea of ​​introducing an IPC seems interesting - citizens will be able to independently save for their old age, increasing the level of civic responsibility. When you go on a well-deserved rest, there will be no one to blame: how much you have accumulated, so much you get. But experts do not yet see the possibility of linking the IPC with the current corporate programs for increasing pension payments, in which about 6 million Russians participate. They make annual contributions totaling 6 trillion rubles. Corporate programs have been developed in various companies, within which part of the employees' earnings is transferred to their future pensions - most of these programs have their own characteristics.

And where are the guarantees that the Russians will be interested in the IPK? And they will not just be interested, but will want to give up their current needs in favor of pension savings?

For motivation, experts suggest using effective tools:

• cancel income tax on contributions to non-state funds (today, only contributions deducted to the Pension Fund are not subject to personal income tax);
• increase the social deduction for the return of paid personal income tax to 400 thousand rubles. (today its size is 120 thousand rubles);
• allow employers to deduct the money deducted in the IPC from income tax, equating it to labor costs;
• the state should consider other tax incentives for participants;
• send all additional deductions from employers for harmful and dangerous working conditions to corporate pension funds.

On a note! It is predicted that without serious incentives, the maximum number of those wishing to form an IPC will not exceed 2%.

Another important issue remains unresolved. Will participation in the IPC be voluntary? Earlier it was reported that only “auto-subscription” would allow not to put an end to the idea: deductions from wages would be made by the employer automatically, but at any time the employee was allowed to write a statement and leave the program.

Such an approach is contrary to the law and legal norms. Labor Code, so the Central Bank started talking about the idea of ​​auto-registration, although the essence has not changed much. Each employee, after being entered into a single database, will be required to deduct from 1 to 6% of the salary for the funded part, and to exit, you will again have to write an application.

What way the state will choose to co-finance pensions and maintain the pension system, which will be seriously tested in the mid-1920s, is still unknown. According to the reviews, it is obvious that participation in the scheme with a doubling of investments turned out to be a complete disappointment for many.