In accordance with regulatory documents that determine the rules of the game of insurance business, the insured person is the subject of a legal contract whose property, life, real estate is insured.
But if we talk about compulsory state pension insurance, then the insured are those who will receive a pension from the Pension Fund, and not compensation, at the moment when a person, upon reaching age, leaves for a well-deserved rest.
What is an insured event for the insured in the FIU?
After the pension reform, the pension is accrued and issued after the occurrence of the insured event. That is, the state’s pension system now insures the risk of the fact that the insured person of the PFR will be left without means of subsistence, that is, retired. What insurance cases does the law now consider? The cases of insured persons are as follows:
- Retirement after reaching a certain age.
- The loss of the breadwinner. Moreover, at any age, if a person alone can’t get a livelihood.
- Loss of (full or partial) disability. Also at any age from the moment of birth.
All contributions, all personal data are stored in the Personalized Accounting Database of the RF PF. And a pension is issued according to the law "On State Pension Provision in the Russian Federation" - No. 166 - FZ. The law establishes the grounds for granting the right to the pension itself, the procedure for its appointment.
Who are the insured?
All citizens of the Russian Federation and foreign entities living only temporarily in Russia, if they work under a labor or civil law contract, are insured persons, since they are subject to the Federal Law on Compulsory Pension Insurance.
The federal law prescribes all definitions and conditions regarding guarantee fees, reimbursements and restockings of a citizen of the Russian Federation. Everything related to the personal account of the insured subject can be found in the personal account of the PF.
Insurance coverage of insured persons
Insurance coverage upon occurrence of the above insured events shall recognize:
- old-age labor pension;
- the accumulative and insurance part of the pension for loss of working capacity by a person;
- survivor insurance benefits;
- payment for the burial of a pensioner who no longer worked.
The basis of the entire financial system of the pension fund is those funds that are accumulated in the fund itself, as well as the money accumulated in the personal account.
FIU Functions
The Pension Fund is designed to provide the population with all kinds of benefits. In a civilized state, a person should not be afraid that, having lost his ability to work, he will remain without the protection of society. Therefore, to put it simply, insured persons are all those citizens who are subject to compulsory pension insurance by the state.
As a centralized public institution, the pension fund of the Russian Federation performs the following functions:
- generate and pay out funds to the insured participants of the fund;
- give certificates for the formation of family capital;
- make a supplement to the pension so that the latter reaches a living wage;
- implement international programs;
- otherwise.
And also an important function of the FIU body is to keep a personalized detailed record of all participants in the insurance system so that a person receives their money on time and in full.
Personal account on the website of the RF PF
Thanks to the electronic modern service “insured person’s personal account”, anyone registered can see all the data on their account. Information such as length of service and the number of points collected is displayed here.
A personal account has been operating since 2015. To use such a service, you must have an insurance certificate. On the electronic service of the FIU, all the necessary information about the insured is provided. There are separate rooms for both insured and insured entities. If you have any question, you can ask his consultant online.
It is not necessary to register on the site itself. Enough registration on the portal of public services.
If you already have a personal activation code, enter it in the "Personal Data" section of the public services. To register with ESIA, the insured needs a passport, insurance certificate data and mobile number.
The PFR website no longer needs to enter personal data after this. You just need to go to the page of the site - "Office of the insured person" and click on "Login". The system will recognize you.
Innovations on the PFR website
My account has greatly simplified the communication of the pension fund and citizens. After all, insured persons are those who need the help of this state body, and all services should be clear to all customers of the system. Recently, the service has been expanding its services.
Now, those citizens who are still abroad can see their state of the savings account online. Earlier for this it was necessary to write a statement and wait for an answer. And also quickly now it is possible to fill out a statement stating that the person’s employment status has changed.
Rights and obligations of those insured
The rights and obligations of these entities are defined in Article 14 of Ch. 3. The Federal Law “On Individual Registration in the Compulsory Pension Insurance System”. The insured person as a subject of legal relations undoubtedly has its rights.
The rights of insured persons are as follows:
- Receive information on the status of your personal account with the FIU. This information can be sent by mail if the client is comfortable.
- Receive a copy of the information about yourself that the policyholder sends to the Pension Fund.
- Send an application to the FIU to change the data specified by the insurer if they are incorrect. You can apply with the tax authorities or the court.
And also the insured persons must fulfill the following duties:
- you must get an insurance certificate;
- register with the FIU;
- apply to the FIU with a specific statement when his personal data changes;
- report loss of certificate;
- at the request of the FIU authorities, provide all documentation confirming personal data transmitted by the insured to the fund.
Without the fulfillment of these norms, the fund system would not be able to work fully. Therefore, timely fulfillment of obligations in the interests of the insured himself.
Policyholder Responsibilities
The policyholder is usually employers who pay wages and keep records of deductions. Their rights and obligations are regulated by the same law as the rights of insured entities.
The employer has the right:
- Require a certificate of compulsory insurance upon admission to the workplace; and also demand to provide all personal information in order to transfer it to the PF body.
- Supplement the information about the insured transmitted to them.
And also must do the following:
- Provide information received from the employee to the bodies of the RF PF within a strictly specified time.
- Obtain a certificate from the FIU and issue it (required by signature) if a person works under the terms of a civil law or employment contract.
- Check how much the details of identity documents correspond to the data indicated in the insurance certificate.
The policyholder is not a beneficiary, transferring funds to the fund, but by law he is obliged to do so.
Pension Fund Responsibilities
The rights of the Pension Fund bodies include the following:
- adjustment of information transmitted to them by policyholders;
- obtaining information about insured persons from tax authorities;
- the fund may require the timely delivery of all information;
The responsibilities of the FIU include:
- control over information and credentials;
- explaining to clients the rights and obligations of those who are insured;
- explanation of the features of the formation of a pension;
- Provide ongoing access to the Personal Account electronic system.
About 130 thousand specialists work in the PFR bodies, and together they carry out work very important for the state - they accumulate and distribute funds between pensioners and those who for some reason cannot work, receive wages.
When are insured persons insured?
Today, there are such types of pensions: insurance, funded and state security pensions. If the insured person chooses a funded pension, he will receive those savings that are formed by voluntary investments or payments of the company.
For those born in 1967 and younger, there is the opportunity to choose the option of retirement benefits.
And for those born in 1966 or older, savings are formed solely from voluntary contributions. At any time, starting in 2015, you can refuse the funded part of the pension.