Checking pension contributions is quite simple. To do this, you just need to contact the nearest branch of the Pension Fund or make a request on the official website of the organization, after passing through a simple registration procedure. In addition to the amount of savings, you can find out other, equally important information or order a service.
How to check deductions in PF
In order to learn about contributions to the pension fund on the site, you must first register and authorize. How can this be done? To do this, go to the PFR website and click on the "Register" button. After that, the user enters the menu for registering a new account in the unified system of information services of the state. In order to create a personal account, enter the following information in the appropriate fields:
- your last name and first name;
- pension certificate number;
- phone and email.
After that, a message will be sent to your phone or email to confirm the entered data, phone number and email address. But to get information about pension savings, registration alone is not enough. To do this, you need to go through authorization, that is, confirm the actual address of residence, passport details and SNILS.
Login
After registering in your account, the user needs to click on the "Log in" link. After that, he goes to the page on which the system offers to send an email with the key (code) for authorization by clicking on the "Send" button. After that, within 1-3 weeks, a letter with a code will be sent to the user's address of residence by regular mail. The code must be entered in the field in the window for authorization. It will appear automatically after sending the “Send” command. In order not to lose the page, you can add it to your browser bookmarks. After the code is entered in the field, you need to click on the "Confirm" button. After that, all services will be available, including information on the employee's pension accruals.
When and how can I get a certificate of deductions to the PF
Information on the state of the pension account, on the presence or absence of pension contributions, length of service and other important information on the official website of the fund can be obtained at any convenient time. Just select the appropriate service and click on the link. The certificate indicates not only the amount of savings, but also the sources of the formation of the pension. Help is created in PDF format. It can be downloaded from the site or received by email. Naturally, there should be a program on the computer with which you can view such a file.
How much should an employer pay to a pension fund
Many working citizens do not even know how much they cost the employer. Almost everyone knows about 13% of income tax, but only the head and accountants working at the enterprise know about the amount of pension contributions and deductions to other funds.
Every month, the employer is obliged to send to the pension fund the amount of payments in the amount of 22% of the official earnings of the worker. That is, if an employee receives 10,000 rubles of official salary, then the employer's pension contributions to this employee will amount to 2,200 rubles. And this does not include mandatory payments to other funds! As a result, the tax burden on the entrepreneur is not 13%, but 40% or more. In some sectors, the tax burden reaches 70%. It is not surprising that businessmen seek to reduce this amount in any way. They use various “gray” schemes for this, for example, giving out part of their wages informally, or hiring an employee without drawing up a contract.
For a simple employee of the company, the boss’s desire to “save” by reducing the amount of the official salary and pay for work “in the envelope” threatens that his pension will be scanty in the future, if at all. In connection with the latest amendments, the amount of pension contributions must be high enough so that he can score the right amount of points.
What to do if the employer does not want to pay the full salary officially
Most Russians face this problem, especially if it is a small enterprise: a store or cafe. It is possible to demand payment according to the law, but it is possible that the employer will simply dismiss such a “competent” employee and hire a less demanding one. If you do not want to risk a job or come into conflict with your employer, then you can transfer funds to a pension fund yourself. True, this will reduce the amount of wages, but in the future you can count on a good pension. To do this, it is enough to open a pension account with a bank or draw up an agreement with a pension fund and transfer funds there.
You can go to court if the employer has not paid or refuses to deposit funds into the pension fund into the accounts of its employees. You can check whether contributions to the pension fund go on the website of the PFR or NPF in your personal account or in person. However, this can lead to conflict and job loss. In most cases, this is the main deterrent.
The reason businessmen are not particularly keen to abide by the law and pay in full, and employees argue with their superiors and risk their jobs to receive formal salaries, is the instability of the pension system. Changes in pension legislation occur too often, and not for the better. This causes distrust and doubt among citizens that they will be able to receive their pensions in the future. It is possible that the retirement age will increase, and significantly, or the fund will go bankrupt.
The high rate of inflation and the periodically conducted devaluation of the ruble are not calm. A working citizen faces a choice - to lose his job now or risk losing his pension in the future, all the more so as he usually does not have confidence in the pension system of the Russian Federation.
How to check if the employer pays the pension fund or not
This can be done both in the PFR office and on the website in the user's personal account. To do this, go to the official website of the Pension Fund and make a request for a certificate of the formed pension. This document indicates all sources of income to the retirement account. You can find out this information not only by ordering a certificate on the website, but also personally, when visiting the FIU branch. You must have a passport and a pension card with you (SNILS).
Previously, all citizens received letters stating the amount of pension contributions. But since it was expensive and not in demand by most of the population, the FIU leadership decided that it was not practical and therefore, since 2013, the distribution of informative letters has been stopped. From that moment, you can get this information only by personally contacting the Pension Fund branch with the appropriate application. Also, information on the status of the account can be obtained on the site. The site works round the clock, but in the evening and at night it can be serviced and information may not be available.
How to recalculate a pension
This function is needed by working retirees. While working in retirement, they do not receive indexation, but they can request a recalculation taking into account new income from the employer and thereby increase the amount of the pension due to received pension contributions. In the event of a job loss, a pensioner may receive indexation of payments. To make a recalculation or find out the amount of payments, it is enough for him to contact the FIU with a statement or leave a request on the fund's website. It will also have to be done after being fired from work so that he is indexed.
How to transfer money to the Pension Fund on your own account
A citizen has the right and can independently deposit funds in the account of any fund or bank. To do this, it is enough for him to come to the fund and fill out the corresponding document or do it online through special services located on the official website of the pension fund or bank. You can also transfer money through a bank or through some other payment terminal. However, this method of accumulation has some features. In order to receive a pension, you must have a total work experience of at least 5 years. If a citizen has not worked officially so much time, that is, he does not have experience, it does not matter what pension contributions he made and where, he cannot count on receiving a pension.
How does the employer pay pension contributions for himself and for his workers?
Since 2017, the tax service has taken over the function of collecting contributions to the PF. The employer sends the funds along with the remaining tax payments. In addition to submitting reports, including on pension contributions, to the tax, the entrepreneur must also send a monthly report to the Pension Fund.
The employer contributes not only to the pension accounts of his employees, but also to his own account. So, in 2017, the minimum amount of mandatory contributions to the FIU from individual entrepreneurs is 23,400 rubles, the maximum is 187,200 rubles. For ordinary employees, this percentage of pension contributions is 22%, but the rate can be reduced. If the employee's salary is more than 876 thousand rubles, then the rate on contributions to the pension fund for them will be no more than 10%. Persons involved in the field of IT technologies transfer no more than 8% of the salary.
What other information can be found in the Pension Fund
In addition to learning about pension contributions and the sources of their formation, a citizen can receive information about:
- formed on this time his pension rights;
- their experience, the amount of insurance and funded pensions;
- official salary and number of pension points;
- other information on pension and available social rights.
You can find out all the above information not only on the website by ordering a certificate, but also in the PFR or NPF branches by writing and submitting an application. Usually the process of submitting a document or application in your account on the website takes several minutes.
Insurance and funded pension: what is the difference between them
The certificate indicates two types of pensions: insurance and funded. What is the difference between them? An insurance pension is that part of the pension that goes to payments to those who have already gone on a well-deserved rest. The cumulative part is that part that is postponed for the future of the working citizen himself. The collected money is transferred under the control of Vneshtorgbank. These funds are invested in various assets: stocks, bonds and other securities, so that the savings are not only preserved, but also increased due to an effective investment strategy.
In addition to FIUs, NPFs exist. An NPF is a non-state pension fund, which is included in the list of funds that have the right to accept pension contributions from employees for the formation of a future pension. They, like VTB, invest in various assets. To attract people, NPF offers more favorable conditions. But it should be borne in mind that offering high returns, they are forced to conduct a more risky investment policy. This can lead to bankruptcy of the fund and loss of funds of depositors. This is risky, given that a contributor to such a fund in old age may be left without a pension. Of all known pension funds, the most secure are the Pension Fund and special pension accounts at Sberbank.