Russia (bbabo.net), - Today, there are several options for paying funded pensions. As the Pension Fund explains, savings can be transferred, for example, in the form of a lump sum payment.
"A one-time payment of pension savings is a one-time payment of all the pension savings of the insured person, taken into account on the day on which this payment is due," Farida Mirzabalaeva, associate professor at the Plekhanov Russian University of Economics and Candidate of Economic Sciences, reminded Rossiyskaya Gazeta. payment is made at the expense of pension savings formed in favor of the insured person, as stipulated in the Federal Law "On the procedure for financing payments from pension savings". Persons who have not acquired the right to receive a funded pension , as well as persons whose funded pension, if granted, would be 5 percent or less in relation to the total amount of the old-age insurance pension and funded pension.
You can apply for registration of pension savings at the age of 55 for women and 60 for men.
You need to contact the FIU (if the person himself did not transfer the funded part of the pension to a non-state pension fund). And if a person has transferred savings to a non-state fund, then you need to apply there.
Retirement savings are:
- for working citizens born in 1967 and younger - at the expense of the employer's insurance premiums paid from 2002 to 2013;
- for citizens born in 1966 and older - only through voluntary contributions under the Program for State Co-financing of Pension Savings, or through the allocation of funds from maternity (family) capital to a funded pension;
- for men born in 1953-1966 and women born in 1957-1966, in whose favor in the period from 2002 to 2004. inclusive of paid insurance contributions to the funded pension. Since 2005, these deductions have been discontinued due to changes in legislation.
How to determine if a pensioner is entitled to a lump sum payment?
In the PFR department for the Republic of Tyva, in particular, such an example is given. A pensioner who turned 50 in 2019 applied for a lump sum payment of pension savings. The size of her insurance old-age pension on the date of application was 14,000 rubles. And the total amount of pension savings was 200,000 rubles.
The procedure for calculating the lump-sum payment of pension savings is as follows:
First. First, the amount of the funded pension is determined by the formula:
NP = PN / T,
where NP is the size of the funded pension;
PN - the amount of pension savings accounted for in the special part of the individual personal account.
T is the number of months of the expected period for the payment of the insurance old-age pension, which in 2019 was 300 months (25 years).
NP \u003d 200,000/300 \u003d 666.66 rubles. is the amount of the funded pension.
Second. Further, the total amount of the insurance pension and funded pension is determined:
14 000 rub. the amount of the insurance pension + 666.66 rubles. the amount of the funded pension = 14666.66 rubles. - the total amount of insurance and funded pensions.
Third. The share of the funded pension in the total amount of two pensions is determined:
666.66 (contributory pension) divided by 14,666.66 (total insurance pension and funded pension) multiplied by 100% = 4.5% - this is the share of the funded pension.
In this case, the share of the funded pension was less than 5%, which gives the right to appoint a lump-sum payment of pension savings.
Thus, the pensioner received a lump sum payment from pension savings in the amount of 200,000 rubles.
If the share of the funded pension turned out to be more than 5%, then she would be assigned an urgent pension payment or a funded pension. They are paid monthly. This is a kind of supplement to the monthly insurance pension.
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