One-time payment to pensioners: who is put and how to get
Everyone who goes to a well-deserved vacation during long working years has a legal right to pensions. Often the size of pension payments is not sufficient for a comfortable existence. Therefore, the state imposes an obligation to pay lump sums to pensioners in addition to the main income from the amount of pension contributions.
The means of pension savings (SPN): the essence of the concept
Pension savings are the amount of money that is on the person's personal pension account, which takes part in the mandatory system of pension insurance in the Pension Fund of the Russian Federation (or in the non-state Pension Fund). These include:
- the amount of insurance contributions, which were transferred by the employer throughout the whole work activity in accordance with the rules of compulsory pension insurance for the cumulative share of the citizen's pension;
- for persons participating in the Program of state co-financing of pensions - the amount of insurance contributions paid additionally to the funded part of the labor pension; the amount of contributions of employers who participate in the Co-financing Program as a third party; the amount of contributions transferred from the state budget to co-finance the accumulated part of the pension;
- part of the funds (or the whole amount) of family (parent) capital, which was directed to the formation of SPN;
- income from investing the above described means.
Who has SPN
SPNs are formed from citizens born before 1967, if they are participants in the mandatory pension insurance system, and work / work at any time after 2001. These include the category of persons in whose favor insurance contributions to the funded pension were regularly paid by the employer from 2001 to 2004. These are men born in the period from 1953 to 1966, and women whose birth year falls in 1957-1966.
The accumulative pension is available to mothers who sent maternity capital to the formation of SPN, as well as to participants in the Program of state co-financing of pensions.
The main innovations in the field of SPN payments
Recently, the Government of the Russian Federation has been developing the Law, according to which every citizen has the opportunity not only to receive a life pension for life for the account of pension savings, but also to expect a one-time social allowance. In addition, each pensioner is entitled to receive urgent pension payments for SPN, which were formed from insurance voluntary contributions.
The opportunities for transferring rights to receive SPN by successors also expanded. Several years ago, successors had the opportunity to receive SPN only if the insured citizen died before he was given an old-age pension. According to the adopted law, if after the death of the insured citizen the part of the urgent pension payment remains unpaid, the successors may claim to receive it. Innovations touched on the issues of succession of SPN, formed at the expense of the parent (family) capital.
Types of pension payments
According to the law, every citizen, except lifelong payments of pension funds, can count on lump sum payments to pensioners.
Pension payments are:
- urgent pension payment;
- lump sum payment to pensioners;
- SPN, which are accrued upon reaching retirement age;
- payment of funds of the insured pensioner to his legal successors.
Lump sum pensioners
A lump sum social benefit to pensioners is the possibility of obtaining a share of a labor pension throughout life, not only in the form of monthly payments, but also as a lump sum (with certain rights). Also citizens can receive an urgent pension payment, which was formed due to additional deposits.
Who should receive a one-time payment
Lump sum cash payments to pensioners are made to such categories of insured persons:
- Citizens who apply for pension payments in connection with the loss of a breadwinner.
- Persons receiving a disability pension and disabled pensioners due to illness.
- Citizens who are not eligible for retirement benefits due to the lack of seniority, but are subject to state pension benefits in the form of a social pension.
One-time payment to pensioners: who provides
One-time payment of SPN funds is carried out by the FIU or APF, depending on where the insured person contributed insurance premiums. The payment of a lump sum for pensioners is regulated by the Government of the Russian Federation.
List of required documents
One-time payment to pensioners has a declarative form. To receive it, you must personally apply to the territorial office of the Pension Fund or a non-state pension fund by submitting a written application and provide the following documents:
- an identity document of a citizen of the Russian Federation;
- certificate of mandatory pension insurance;
- a certificate issued by the inspector of the territorial branch of the FIU, on the insurance period and the amount of the labor pension;
- bank details for transferring a one-time payment due to SPN.
When it will be possible to receive money
According to the legislation, the decision to pay a lump sum is taken within a month, starting from the day of filing a written application to the Pension Fund of the Russian Federation with the provision of the necessary package of documents. If the result is positive, a lump sum payment to the pensioners is carried out within a period not exceeding 2 months from the date of the decision. In case of refusal to award payments, the Pension Fund shall notify the citizen in writing about the decision taken, specifying the reason.
The size of a lump sum payment to pensioners depends on the amount of SPN that are on their pension account at the time of the employment pension. For citizens born before 1967, pension savings were formed for three years (2002-2004), so the amount of payments is from 5 to 15 thousand rubles.
Lump sum payment to pensioners of the Ministry of Internal Affairs
Citizens of the Russian Federation who were dismissed from the service in the Ministry of Internal Affairs with the right to pension provision and who are registered to receive a one-time benefit during the service period are entitled to a one-time social benefit.
Lump-sum payments to pensioners can be provided at their will, if they were accepted before March 1, 2005 for registration as needing a residential premises by the relevant body of the Ministry of Internal Affairs of Russia.
Thus, there is no legal basis for granting a lump-sum social benefit to a citizen if the pensioner of the Ministry of Internal Affairs is not in the queue for housing under a contract of employment or a lump sum in the internal affairs bodies.
Allowance for pensioners continuing their work
Every third citizen of the Russian Federation who is on a pension provision continues his labor activity. Naturally, many are interested in the question of whether a lump-sum payment to working pensioners is laid.
As a rule, working pensioners do not receive lump-sum benefits. In case of dismissal due to downsizing, the employer must pay the usual severance pay.
Considering the above, every Russian pensioner can apply for SPN. For those who are only going to apply to the PFRF for the purpose of pension assignment, lump sum payments at the expense of SPN will be made on their written application simultaneously with the appointment of a pension by age.
To receive a lump sum, two conditions must be met: a citizen must have the right to pay old-age pension (or already be a pensioner) and have the means of pension savings. Then there will be no grounds for refusing to pay a one-time benefit from the PFRF. The Government of the Russian Federation takes care of pensioners and regularly introduces innovations to the legislative base in order to ensure that citizens who have gone on a well-deserved rest do not need anything.
It should be noted that every pensioner can dispose of the funded part of the pension at his own discretion - you can receive it as a supplement to the labor one, or specify a specific period of payment (the whole amount will be issued within a year, two or even five), or you can receive it at a time. The latter option will be more advantageous in cases where the SPN is small.