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, a part of the pension that can be accumulated began to be discussed in 2001. It was at this time and there were changes in the legislation regarding the pension business. There were such concepts as basic, funded and insurance pensions. At the same time, each separate part is financed separately from each other from different sources of 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 notion of "funded pension" was entrenched, but the procedure for its accrual was developed.

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

Many in confusion and can not understand what is their difference, and what is a pension that can be saved up. Every citizen of the Russian Federation has a personal account in the Pension Fund, on which cash is accumulated. We'll figure out how they are credited there.

Principle of pension formation

In order to understand how the accumulative part of the guaranteed monthly payments of monetary sums for material support of citizens in connection with old age is formed, it is necessary to consider the whole structure of pension receipts.

At present, the employees of the accounting department transfer to the formation of future pension payments 22% of the wage fund for each employee. Thus, accordingly, the higher the salary, the more deductions will be.

16% are sent to the insurance fund and 6% to the funded one. Accumulating part of a person can dispose of independently.

In the period when the work is behind, and the person will receive his well-deserved retirement holiday, he will receive 2 pensions - insurance and funded. And since 2015, citizens who are 48 years old or younger can write an application for a full insurance pension provision or an accumulation fund. You can replenish the funded part yourself, making additional contributions to your personal account, which when you retire will be paid to the basic payments.

Cumulative pension: we check its size using the SNLIS

To find out the amount of the funded part of the pension under the insurance certificate and to check what exactly the amount of money is on your personal account, there are two options:

• Using a worldwide system of integrated computer networks - the Internet;
• Directly in the department of the fund, which provides pension security at the place of residence.

Everything will depend on your ability 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 through the Internet by registering with the "State Service" portal.

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

In order to successfully know how many savings you have, you need:

1. Register on the portal of state services. To do this, you will need to not only specify all the data about yourself and attach your phone number to obtain the access code, but also pass the validation of the passport and SNILSa.
2. After receiving the password, you must go to the portal and log in. In my 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 the savings.
4. After a while, you will be presented with data about your funds at the date of request for information.

Find the funded part of the pension on the state services portal.

How can I find out the amount by contacting the Pension Fund directly?

We go for help to the Pension Fund

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

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

The fund's employees will register you on the state services portal and provide you with information about your funds, that is, exactly what amount of funded pension you have at the current date.

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

We learn the information in the Savings Bank

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

At the same time, you should know that you are investing your money not in a bank, but in a fund that already disposes of the funds received at its discretion. It invests your money and profits from it.

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

There are three options for obtaining information:

1. It is necessary to visit the branch of the non-governmental pension fund and get information from specialists about the amount of cash savings on your personal account. In doing so, you must provide your social card.
2. Find information on the Internet. Help in this help will help employees of the Savings Bank, 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 accrued, but not paid, and the funded part. How to find out the amount of the funded part of the pension in this situation? For this, it is necessary to undergo a number of procedures.

If the pension is added, but as a result of death, the person was not given it, then relatives can get it, applied to the Pension Fund with the appropriate application, passport, certificate of residence, death certificate and documents confirming kinship ties.

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

How to avoid the procedure of inheritance?

There are only two basic rules, according to 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 before the moment of his death a person came to the Pension Fund and wrote a statement in which he indicated who should receive all the savings after the death of the owner of these funds;
2. If the funds are concentrated in a private pension fund, then the identity of the citizen claiming the funded part is indicated in the contract.

Anyone can apply for payment, not even a relative.

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

To this end, close relatives of a person who has died should apply to the Pension Fund and APF within six months after his death. These are parents, wives or husbands and children.

In this case, if the application was filed by several people, the amount is divided in equal shares into each.

In addition to the application, you must attach:

1. Passport of the recipient of funds.
2. If the accumulative part is made out as an inheritance, then attach documents confirming the relationship with the person who died. This can be a certificate of birth registration or a certificate of marriage registration.
3. A certificate confirming the death of a person whose cumulative part is inherited.
4. Insurance certificate of the deceased person. You can just specify his number.

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

The application is considered within four weeks, and payment is made not later than the second decade of the next month.

How do you know which fund you belong to?

This is rare, but in everyday routine a person sometimes forgets what fund is his funded pension. Therefore, to the question, where to find out the amount of the funded part of the pension, the question is added: what is the PF I'm in? This problem will help to solve the portal of public services. For this it is necessary to pass the following algorithm:

1. Register on the portal, log in and enter your personal cabinet.
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 information on the personal account.
4. After the system has issued information on savings, you can also read in which PF you belong.

In addition, data on which pension fund you belong to possess:

1. Local department of pensions.
2. Department of Accounting at the place of your work.
3. Branch of the Savings Bank.

How to find out the amount of the funded part of the pension will also be prompted by the employees of these organizations.