Pension co-financing program - how to get money back? The contribution under the program of state co-financing of pensions must be made before the end of the current year How to get co-financing of a pension in a year

Additional insurance premiums for the program

The insurance contributions for the funded pension are voluntarily transferred by the insured person himself. To participate in the co-financing program this year, a citizen had to make a contribution in the previous year in the amount of from 2000 rubles.

In accordance with paragraph 1 of Article 13 of the Law of April 30, 2008 No. 56-FZ , the amount of the contribution paid by the citizen for the past calendar year, should not exceed 12,000 rubles.

The function of calculating funds for the formation of a funded pension under the co-financing program is assigned to the PFR body, which, by the end of the first quarter of the year following the contribution, draws up an application for transferring the required amount for co-financing.

The required amount within 10 days transferred from the federal budget to the PFR budget, in accordance with the budgetary legislation of the Russian Federation, and then the funds are transferred to management companies and NPF.

Thus, funds are being transferred to co-finance pensions by the state, in accordance with Article 14 of the Law of April 30, 2008 No. 56-FZ "On additional insurance contributions for funded pension and state support for the formation of pension savings".

Contributions payment procedure

You can enter the amount of the insurance premium in two ways:

• in the bank;
• with the help of an employer.

At the bank, you must fill out a payment receipt form, according to which the payment is transferred. The amount of the contribution can be paid in equal shares throughout the year, or one-time payment... Need to check correct filling form, because due to an error in the spelling of the name, surname, patronymic or funds will not reach the personal account of the citizen. A copy of your payment receipt can be useful for filing a tax deduction.

To pay contributions with the help of an employer, just contact accounting of your organization with a statement of any form, where it is necessary to indicate the amount of the monthly contribution - in the amount or as a percentage of wages.

The employer can act as another party to co-financing the pension by transferring voluntary contributions of an unlimited amount.

Also, a program participant can receive tax deduction from the amount of contributions, but not more than 12,000 rubles per year. You can get a tax deduction:

• By applying to the accounting department at the place of workif funds were deposited on a similar basis.
• Having applied with a set of necessary documents to the tax office for place of residence... You can apply for a social tax deduction based on the results of a year, two or three years.

To clarify the package of documents, you must contact the tax office at your place of residence directly.

Co-financing of pensions in 2019 for working pensioners

In the current 2019 year become a member of the funded pension co-financing program impossible, since it was possible to join it only until the end of 2014. However, for those citizens who managed to become a participant in the program and made the first contribution during the period from October 1, 2008 to December 31, 2014, at present, and before retirement, pensions will be co-financed by the state, but only on condition that additional insurance contributions are paid.

How to get money for pensioners under the program?

State co-financed funds are assigned and payable together with an insurance pension or in the form. You can receive funds in the form of either payments, provided that the amount of pension savings is less than 5% of the insurance pension.

After the entitlement to the payment of the relevant pension is established, you can apply with a statementfor her purpose. You can apply in the following ways:

• with a personal appeal to the local branch of the Pension Fund of the Russian Federation or to the multifunctional center (MFC);
• by letter by mail;
• using an Internet resource (a portal of State services or a service on the PFR website);
• through an official representative by proxy.

Required documents when applying for payment

After obtaining the right to assign a pension, you must submit the following documents to pay it:

1. the passport;
2. SNILS;
3. documents establishing the right to establish an insurance payment (work book or documents on seniority, earnings, the presence of dependents, specifying additional circumstances).

If a insurance pension has already been assigned, there is no need to submit documents, since they are already contained in the pension file.

The term for considering an application for the appointment of a pension directly depends on the method of its payment:

• In case of urgent payment - within 10 days;
• For a lump sum payment - within 30 days.

When positive decision on the appointment of a pension, its payment is carried out within 2 months from the date of the decision.

Conditions for increasing pension savings under the pension co-financing program

For some citizens, special conditions co-financing of pensions, in accordance with Article 13 of the Law of April 30, 2008 No. 56-FZ "On additional insurance contributions for funded pension and state support for the formation of pension savings".

Thus, if a citizen is entitled to an old-age insurance pension, but did not apply for its appointment and payment, he can count on an increase in his contributions. four times... Such an increase in pensions by the state implies maximum co-financing for 48,000 rubles.

In total, a citizen can replenish his pension by 60,000 rubles, of them 12,000 rubles - own contribution, and 48,000 rubles - an increase from the state.

But there are also limitations in such a pension increase system - these are working citizens, there is no fourfold increase for them.

Payment of funds after the death of the insured person

In the event of the death of the insured citizen before the appointment of a pension, paragraph 6 of Article 7 of the Law of December 28, 2013 No. 424-FZ "On funded pension" stipulates that the right to pay pension savings have deceased's successors... A citizen can determine in advance the legal successors, and also indicate in the application in what shares the pension payment funds will be distributed between them. However, if such an appeal was not followed, the following relatives are considered the legal successors:

• paramount - children, native or adopted, parents (adoptive parents) and spouse (spouse);
• minor - brothers, sisters, grandmothers, grandfathers and grandchildren.

Secondary relatives are eligible for payment only in the absence of primary relatives.

A funded pension will be assigned to relatives only in three cases, if death has occurred:

1. before appointment pension or its recalculation;
2. after appointment of urgent payments;
3. after assignment of a lump sum, but it has not yet been paid.

However, if a citizen has been established to pay pension savings indefinitely - successors should not count on it.

To receive the required funds, successors must contact the FIU or NPF no later than six months after death the insured person.

Pros and cons of the state pension co-financing program

We can highlight the pros and cons of participating in the state pension co-financing program. Of the positive aspects in the program, it is possible to designate the pension increase itself: twice, and in some cases even four times, thus achieving a tangible increase in size their payments. Another main plus is the possibility of obtaining a tax deduction from the amount of additional contributions paid.

Being able to take care of the future and arrange payment for relatives, in case of exceptional circumstances, can also be a useful solution.

Of the minuses, you can see limitation of the amount of the annual contribution, that is, a citizen cannot exceed the limit 12,000 rubles... Another disadvantage of the program is the inability to become a participant 2015 year to this day, however, it is possible that the government will reconsider this circumstance.

Co-financing of pensions in 2019. 2019 promises to be marked by pension reforms in Russia, which is why many are wondering about the work of the Pension Co-Financing Program. However, there should be no major changes due to the separation of insurance and funded pension payments.

The essence of the program

Even from 2008 to 2014, each program participant had the opportunity to make contributions to the savings account, while for 10 years the state paid exactly the same amount. It is worth noting that the maximum amount that the bank could pay is 12,000 rubles per year, while for the depositor there is a limit only on the minimum amount - not less than 2,000 rubles per year.

If, upon reaching the retirement age, a person does not apply for payments, then the amount will be increased 4 times, but it cannot be more than 48,000 rubles.

Enterprises with program participants working for them can also participate, and from next year this will become mandatory.

Benefits of the program for residents of Russia

This program acts as a guarantor that after the end of the labor activity a person will be financially stable. Otherwise, it is better not to hope for high pensions because of the constant shortage of funds in the pension fund. First of all, the program is really relevant for those who were born before 1967, as it makes it possible to save well for a comfortable old age.

Another bonus for program participants is the availability of a tax deduction for expenses. The return is 13%.

Payments next year

Despite the increase in the retirement age, the changes did not affect funded payments, so women over 55 and men over 60 can receive them. After the introduction of insurance and funded pensions, people have more opportunities to manage their own money, but only the working population can have savings capable of making regular payments to the fund.

At the same time, there is no possibility to withdraw all the accumulated money at one time. According to the state, they are worried about the financial stability of pensioners. Since 2015, there are several ways to get money:

• Perpetual. They depend on the life expectancy of the person who has retired. So, for example, in 2019 this period is 252 months, so all savings are divided exactly by the number of months, receiving the amount of the benefit, which will be given once a month.
• One-time, the essence of which is to pay money every five years. This method of receiving money is possible provided that the funded part of the pension must be less than 5% of the amount of the insurance one, and the accumulation account must be replenished after the benefit is paid. This type of assistance is available to people whose businesses send them to the ONPO.
• Urgent. With this method, the person himself determines the period during which the accumulated amount will be paid to him. However, the term cannot be less than 10 years.

Ministry of Finance projects

To increase the number of people involved in the program, the state is ready to consider reforming it. According to the assumptions, the person who got a job at the enterprise agrees with the automatic transfer of part of the money to the savings account, while the employer becomes a co-financier.

It is also assumed that the amount of the contribution will gradually increase. So, for example, next year it will be 1% of the salary, while by 2025 it will grow to 3%. There is another deduction scheme, which depends on the number of workers in the enterprise. This does not in any way reduce the burden on the state, but it helps pensioners to improve their material standards.

On a mandatory basis, the program participant is sent a countdown on the state of the savings account. Moreover, after the death of a person, all funds are inherited by his relatives. However, for this, two conditions must be followed: the death of the program participant must be recorded before the insurance is issued or when urgent payments are assigned.

In this article, you learned about co-financing a pension in 2019. If you have any questions or problems that require the participation of lawyers, then you can ask for help from the specialists of the information and legal portal "Sherlock".

Editor: Igor Reshetov

The program of co-financing of pensions in Russia, launched in 2009, gained quite good momentum at one time, but, of course, it could not help but stall with the onset of the economic crisis. How will the co-financing of a pension look like in 2017 and who benefits from participation in this program, we will consider below.

Pension co-financing in 2017

The meaning of the pension co-financing program is, on the one hand, to help the pensioner (future or existing one) slightly increase his income, but the main thing is to make sure that those who want to save for old age do it not in the form of money hidden under the pillow, but give money to Pension Fund. It is known that the economy always needs money to work, and not lie like a dead weight, so the generosity of the state in this case was perfectly understandable and accurately calculated.

In order to motivate a person to save money for his pension with the help of a pension fund, the state proposed a scheme according to which the contribution of a future pensioner would be doubled by the state itself. Thus, those who take part in the co-financing of pensions in 2017 and deposit 10 thousand rubles to their savings account during the year will receive the same amount from the state, and 20 thousand rubles will already be on the account. The amount of the annual contribution by the future pensioner is limited and can be in the range from 2 to 12 thousand rubles. If a person wants to contribute, say, 20 thousand, the state will not double this amount, but will deposit the maximum promised 12 thousand rubles.

Most of all, such a program will be of interest to those Russians who were born before 1967 and thus do not take part in the funded scheme for the formation of their future pension. For these people, retirement is just around the corner, and it is likely that co-financing a pension in 2017 will really help them get a higher pension in the not too distant future.

For younger Russians already participating in the funded system, the reason for taking any part in the program is completely unclear - the state has been simply taking away their pension savings in its favor for several years now, with no particular prospect that this money will ever return and be used to form pensions. It is absolutely unclear what will happen to the money voluntarily donated for co-financing, but trust in the state in this sense has already been undermined, and the risk of simply losing one's own money is really very high.

Co-financing for working pensioners

As for working pensioners, they are not deprived of the right to participate in this program. Moreover, some employers also contribute to the program by making a contribution for the pensioner on their part, so the citizen's contribution will triple altogether - by making the maximum 12 thousand during the year, the pensioner will receive the same amount from the state and the same amount - from the employer, thus on his account there will already be 36 thousand rubles.

For the convenience of a working pensioner, a contribution for him can be made directly by the accounting department at the place of work, which will not require any participation other than the initial preparation of an application to the pension fund and will certainly be very convenient.

When a program is critically examined, the attitude towards it turns out to be twofold. Conceived at a time of budget prosperity, this program was a very sensible undertaking that turned out to be convenient and beneficial for the future retiree, as well as beneficial for the entire economy. The money that a person would like to set aside for old age would not lie dead for years, but would work under the management of a pension fund and contribute to the economic development of the entire country, which would be beneficial for the citizen himself. However, the crisis that happened in 2014, which turned out to be a protracted one, led to the fact that the behavior of the state changed so much that it intervened in the inviolable pension system, began to seize the savings of working citizens and instantly undermined the confidence that had begun to emerge among citizens in the system. It will be a matter of more than one year, or even decades, to restore this trust and attract Russians to the fact that they again voluntarily give their money to the state without fear of losing it, and it will hardly happen under the current political regime.

One of the types of material support for residents of the Russian Federation is the State Pension Co-financing Program, which allows, with the help of the government, to increase the money transferred to the Pension Fund, thereby ensuring a larger volume of pension payments in the future. In this article, we will consider in detail information about the essence of the Program, its terms, as well as the conditions for participation in it.

What is the Program and how long does it last?

On April 30, 2008, the Russian Federation adopted the Federal Law "On Additional Insurance Contributions for Funded Pensions and State Support for the Formation of Pension Savings" dated No. 56-FZ, which sets out the procedure for state co-financing. The program, which started in October 2008, had the main goal of increasing the size of future pension payments for a citizen by doubling his contributions by the Government of the Russian Federation. In other words, as soon as a certain amount of money comes from a person to his retirement account, it must be doubled by the state.

Initially, the timeline for joining the Program was set from October 1, 2008 to December 31, 2014. At the same time, the new participant had to make the enrollment of the first installment before January 31, 2015 in order to activate it for himself. The term of the Program for each participant is 10 years from the date of the first money transfer to the FIU.

As of today, the possibility of joining the Program has been extended, covering 2017-2018. For those citizens who managed to join it earlier, its operation continues in the current period. All credits will be doubled by the government, and in 2018 will go to personal retirement accounts.

Let's consider what features this program has and what categories of citizens it does not apply to.

The features of the Co-financing Program include the following conditions:

• only those pension contributions of citizens are doubled, the amount of which is at least 2,000 and not more than 12,000 rubles / year;
• multiplied by four credits of Program participants who have reached retirement age, but have not applied for a pension payment (continuing to work);
• it is assumed that the money received in personal savings accounts can be invested in public and private funds and companies within the framework of several options for storing the funded component of the pension;
• no co-financing is envisaged for those who are already receiving a pension, retired judges, and those who are entitled to monthly life support. But this restriction does not apply to the pension of the military, firefighters, employees of the Internal Affairs Directorate, the Federal Drug Control Service, the Federal Penitentiary Service.

Payment of funds is possible in one of two ways - by receiving a fixed amount after retirement monthly until the end of life or within 10 next years. All funds under the co-financing system are tax deductible. The savings of each citizen can be inherited by the successor in the event of his premature death.

Who can join the Program and what are the conditions for this?

Joining the Program is voluntary and not a prerequisite. Participants may include not only the state and citizens themselves - future retirees, but also employers. The amount of financial resources that the latter can transfer to the personal retirement accounts of their employees is not limited. The state provides employers with benefits for funds paid under this program.

Access to participation in the co-financing system is open to all interested Russians. To join it, you must apply with a package of documents to the territorial office of the PFR. The list of official documents required when applying for participation in the State Pension Co-financing Program includes:

• statement;
• the passport;
• pension insurance certificate.

You can provide these documents both personally and through your employer, NPF, management company and other institutions that cooperate with the FIU under a bilateral agreement. Payment of the first installment by a citizen is made at the post office or bank office on the basis of a receipt received from the FIU employees.

An example of calculating a contribution. The amount of money transferred by the employer to the employee's personal retirement account must be equal to the amount of the latter's investment. If a person has transferred 2,000 rubles to the Pension Fund, then the total credit to his account will be 6,000 rubles. \u003d 2,000 rubles. (personal contribution) + 2,000 rubles. (employer's contribution) + 2,000 rubles. (doubling the personal contribution of the citizen by the government).

Advantages and disadvantages of the Program

The main advantage of participating in the Program is the opportunity to increase your future pension without increasing the volume of regular contributions to the FIU. If, after reaching retirement age, a person feels able to continue working, the state guarantees an even greater increase (fourfold) of further personal contributions.

Advantages of the State Pension Co-financing Program:

• a small minimum monthly contribution to the Pension Fund (2,000 rubles);
• voluntary participation;
• the ability to set a payment schedule suitable for everyone personally.

Disadvantages of the State Pension Co-financing Program: Rating: 0/5 (0 votes)

The latest news confirms that officials plan to index pensions in full in 2017, which does not replace a larger increase in pension - participation in the co-financing program. This tool allows citizens to increase their future pension, in fact, doubling their savings at the expense of the state.

Pension co-financing: latest news and changes in 2017

The pension co-financing program can significantly increase the level of well-being of pensioners. Despite the annual indexation, insurance pensions do not allow maintaining high living standards. At the same time, the state does not have the resources that could provide a radical increase in payments. However, common efforts can solve this problem.

Co-financing allows increasing pensions for all categories of citizens. However, this mechanism will be the most attractive for people who do not participate in the funded part (born before 1967). As a result, this category will be able to independently influence the level of future pension. For younger Russians, the co-financing program competes with the funded pension.

The principle of the co-financing program is as follows: a citizen annually replenishes his retirement account in the amount of 2-12 thousand rubles. In this case, the state transfers the same amount to the account. For example, if 10 thousand rubles were spent on increasing the pension from the future pensioner, the state will transfer an additional 10 thousand rubles to the account. In any case, the additional payment from the budget will not exceed 12 thousand rubles.

In addition, employers can take part in this initiative, who will transfer the corresponding amount to the account. At the same time, the company will be able to reduce the amount of UST and take this payment into account in the total cost.

Despite these conditions, employers are in no hurry to finance an increase in their employees' pensions. At the end of last year, about 7.1 billion rubles were received from citizens. within the framework of the co-financing program. At the same time, the organizations transferred less than 130 million rubles.

Citizens who have already retired can take part in this program. To participate in the program, you will need to provide a minimum of documents:

• the corresponding statement;
• the passport;
• pension insurance certificate.

The program started in 2009 and about 8 million Russians have become its participants. Over the entire period of this initiative, about 45.5 billion rubles were transferred to their accounts.

In 2017, the government will experience significant budgetary difficulties, which may affect changes in the pension co-financing program.

Crisis pension

The economic crisis is forcing officials to cut funding for the pension system. This year, the optimization included the annual indexation of pensions, which was several times different from last year's inflation. In general, the pension system remains unbalanced, the government needs to allocate huge resources from the budget to finance the FIU. In the future, the situation will only get worse, given the gradual increase in the number of pensioners.

Representatives of the Ministry of Finance have prepared their own draft pension reform, which will also affect the funded part of pensions. Officials plan to involve citizens in the process of forming future payments. Up to 6% of wages can be used to increase pensions.

The pension co-financing program is fully consistent with the principles laid down in the reform of the Ministry of Finance. In this case, citizens are directly involved in increasing their own pensions. In addition, this initiative requires relatively little funding to finance.

Under this program, at the end of 2015, 6.8 billion rubles were allocated to the Pension Fund. from the state. For comparison, a one-time payment to pensioners in the amount of 5 thousand rubles, planned for the beginning of next year, will cost the budget 200 billion rubles.

The relatively low number of people who have benefited from the co-financing program remains a problem. Many are not yet ready to take responsibility for future retirement, relying solely on help from the state. The ongoing freezing of the funded part of the pension is not conducive to the use of this instrument. As a result, citizens' confidence in the current pension model is undermined.

The co-financing program can significantly increase the level of future pensions. As part of this initiative, the government doubles the additional payment to the pension account. In this case, the amount of the surcharge should be in the range of 2-12 thousand rubles.

Given the difficult economic situation, this tool allows people to be involved in the formation of their own pensions, which is a prerequisite for stabilizing the current pension model.