Where and how to find out the amount of the funded part of the pension? Step-by-step recommendations, necessary documents

For the first time, they talked about the part of the pension that can be accumulated in 2001. It was at this time that there were changes in the legislation regarding the pension business. Such concepts as basic, funded and insurance pensions appeared. Moreover, each individual part is financed separately from each other from different sources of cash funds. Let's talk about how to find out the amount of the funded part of the pension.

What is a pension that accumulates?

As you know, the first mention of this began to appear in 2002, after the pension reform. Nevertheless, over the long 13 years there have been significant changes in the legislation to improve the funded system. And in 2015, not only the concept of “funded pension” was rooted, but the procedure for calculating it was developed.

To date, the law provides for two concepts that are independent of each other - this is insurance and funded pensions.

Many are confused and cannot understand what is their difference, and what is a pension that can be accumulated. Each citizen of the Russian Federation has a personal account in the Pension Fund, on which money is accumulated. We will figure out how exactly they are credited there.

The principle of pension formation

In order to understand how the cumulative part of the guaranteed monthly payments of cash amounts is formed for the material support of citizens in connection with old age, it is necessary to consider the entire structure of pension receipts.

At present, accounting workers transfer 22% of the payroll fund for each employee to form future pension payments. At the same time, accordingly, the higher the salary, the greater the deductions.

16% go to an insurance fund and 6% to a funded fund. A person can dispose of the funded part independently.

In the period when the work will be behind, and the person will receive his well-deserved retirement vacation, he will receive 2 pensions - insurance and funded. And since 2015, citizens who are over the age of 48 years or younger can write a statement about the transition to full pension insurance or a funded fund. You can replenish the funded part yourself by making additional contributions to your personal account, which upon retirement will be paid in addition to the main payments.

Cumulative pension: check its size using SNILS

You can find out the amount of the funded part of the pension according to the insurance certificate and check what specific amount of money is in your personal account in two ways:

• using the worldwide system of integrated computer networks - the Internet;
• directly at the branch of the fund dealing with pensions at the place of residence.

Everything will depend on your capabilities and desire to get to the necessary information.

How the internet will help

You can find out the amount of the funded part of the pension via the Internet by registering on the State Services portal.

This option is considered the most convenient and simple. Surely many have already heard quite a lot about this system and may have already registered with it. It provides great opportunities for every Russian, where he can not only find out the amount of savings in the Pension Fund system, but also order a maternity certificate, change his passport or enroll his child in a children's educational institution.

In order to successfully find out how many accumulations you have, you must:

1. Register on the public services portal. To do this, you will need to not only provide all the information about yourself and attach your phone number to obtain an access code, but also pass a passport and SNILS verification.
2. After receiving the password, you must go to the portal and log in. In your personal account, click on the icon called "Pension Savings".
3. Next, open the tab by clicking on the button that indicates the receipt of information about accumulations.
4. After a while, you will see data about your funds on the date of the request for information.

Find out the funded part of the pension on the public services portal.

How to find out the amount by contacting the Pension Fund department directly?

Going to the Pension Fund for help

This method is suitable for those who do not get along with the Internet or because of their age, as well as material income can not afford it.

Going to the Pension Fund at the place of registration, bring your passport and insurance certificate with you.

Fund employees themselves will register you on the public services portal and provide you with information about your funds, that is, what kind of funded pension you have at the current date.

Ask the experienced specialists of the Pension Fund for help, they will politely and intelligibly explain to everyone where and how to find out the amount of the funded part of the pension.

Find out information at Sberbank

How to find out the amount of the funded part of a pension if you are a member of a pension program and are a member of a non-state pension fund (NPF) of Sberbank?

At the same time, you should know that you invest your money not in a bank, but in a fund that already manages the funds received at its discretion. Invests your money and makes profit on it.

How to find out the amount of the funded part of the pension at Sberbank in this situation?

There are three options for obtaining information:

1. It is necessary to visit a branch of a non-state pension fund and ask specialists for data on the amount of cash savings in your personal account. In this case, you must provide your social card.
2. Find information on the Internet. Employees of Sberbank will help to assist in this, if you yourself are not able to cope with the task.
3. Use an ATM or terminal.
   

What happens to a funded pension after death?

After the death of a person, two types of payments remain on his account in the Pension Fund. This is the current pension, which was accrued but not paid, and the funded part. How to find out the amount of the funded part of the pension in this situation? To do this, you need to go through a series of procedures.

If a pension is accrued, but as a result of death, the person was not given it, then relatives can apply for it, applying to the Pension Fund with an appropriate application, passport, certificate of residence, death certificate and documents confirming family ties.

But with the funded part of the pension, the procedure is longer, since the savings are considered an inheritance. Receive them on the basis of a notarized certificate. In the process of registration of the inheritance deed, the notary includes in the inventory and pension savings of a person who has left this world.

How to avoid the inheritance procedure?

There are only two basic rules by which, after the death of a person, his relatives can come to the department dealing with the pension business and write an application for the part of the pension that has been accumulated. It happens:

1. if even before the moment of his death a person appeared in the Pension Fund and wrote a statement in which he specified who should receive all the savings after the death of the owner of this money;
2. if the funds are concentrated in a private pension fund, then the identity of the citizen applying for the funded part is indicated in the contract.

At the same time, anyone can claim for payments, not even a relative.

How to find out the amount of the funded part of the pension of the deceased?

For this, the close relatives of the person who died must apply to the Pension Fund and NPF within the period of six months after his death. These are parents, wives or husbands and children.

At the same time, if several people submitted the application, then the amount in equal shares is divided by each.

In addition to the statement, you must attach:

1. Passport of the recipient of funds.
2. If the funded part is drawn up as an inheritance, then documents confirming kinship with the person who died are attached. This can be a certificate of registration of birth or certificate of registration of marriage.
3. A certificate confirming the death of a person, the funded part of which is inherited.
4. Insurance certificate of a deceased person. You can simply specify its number.

If documents are sent by mail, then notarized copies are sufficient.

The application is considered within four weeks, and payment is made no later than the second decade of the next month.

How to find out which fund you belong to

This is rare, but in everyday routine a person sometimes forgets what fund his funded pension is in. Therefore, to the question where to find out the amount of the funded part of the pension, the question is added: what PF am I in? This problem will help solve the portal of public services. To do this, go through the following algorithm:

1. Register on the portal, log in and enter your personal account.
2. Use the icon at the top of the page called "Pension Savings".
3. After that, click on the button that is responsible for the personal account information.
4. After the system has issued information about the accumulations, you can also read in the same place which PF you belong to.

In addition, the information about which pension fund you belong to has:

1. Local Pension Office.
2. Accounting department at your place of work.
3. Branch of Sberbank.

How to find out the amount of the funded part of the pension, the employees of these organizations will also tell.