How to get co-financing of pensions in a year. Co-financing of pension savings is a unique addition to your pension. Transfer of additional contributions by the employer

MOSCOW, October 24. /TASS/. The State Duma adopted in the second and third readings a bill extending until 2015 the period for citizens to enter the program of state co-financing of voluntary pension savings.

Who can participate in the program

According to the text of the bill, the right to receive state support for the formation of pension savings is acquired by insured persons who have submitted an application to join the compulsory pension insurance system in order to pay additional insurance contributions for the funded part of the labor pension before December 31, 2014. Retired judges and pensioners, with the exception of military personnel, cannot participate in co-financing. As Andrei Isaev, head of the Committee on Labor, Social Policy and Veterans Affairs, explained, an exception was made for military pensioners because “at the age of 45, they usually end their career, become ordinary workers and accumulate an old-age pension.” "The military pension does not give them the opportunity to cash out, and labor pension in old age will not be very high, since they, as a rule, work for a short period of time, from 45 to 60 years,” he concluded.

Two more months

The deadline for the entry of insured persons under compulsory pension insurance into the state co-financing program expired on October 1, 2013. Later, the Cabinet of Ministers proposed extending it until December 31, 2014. Thus, Russians will have about two months to join the program. In total, during its implementation, from 2009 to 2013, more than 15.8 million people joined the program, of which more than 1.7 million pay additional insurance contributions to the funded part of their labor pension.

The government expects that the extension of the program “will help increase the level of pension provision for citizens who independently form pension savings.” The Cabinet also expects that the extension of the program will lead to an increase in the number of insured persons paying additional insurance contributions for the funded part of the labor pension.

According to the Ministry of Labor, more than 3.6 million additional people can join it. “In this regard, as noted in the financial and economic feasibility study, the allocation of additional federal budget funds will be required: 8.15 billion rubles in 2015 and 9.35 billion in 2016.”

Discussion about pensions

As Finance Minister Anton Siluanov said in July, “we have achieved high rates of growth in spending, primarily due to increased salaries for public sector employees and defense spending, which increase annually.” “A significant amount of funds is allocated to ensure the balance of the Pension Fund of Russia (PFR). The pension reform has not been completed, the volume of subsidies and subsidies to the PFR in 2015 will be about 3 trillion rubles, with a total federal budget of 15 trillion rubles,” the minister noted.

Siluanov recalled in this regard that the pension system was initially intended to become self-sufficient, but in its current state it is in short supply. “Under these conditions, we have prepared proposals to reduce expenses, this is the most important task: the constant increase in expenditure obligations cannot continue indefinitely, we need to stop and start working to improve the efficiency of budget allocations,” he said.

In August, the government decided to freeze pension savings for 2015.

The first time the funded part of Russians’ pensions was frozen in 2014 and redirected to the distribution fund to pay off the budget deficit of the Russian Pension Fund. Due to this moratorium, more than 240 billion rubles were generated in the budget. savings on Pension Fund transfers. It is expected that in 2015 this amount will amount to more than 300 billion rubles.

On October 22, Deputy Prime Minister Olga Golodets said that the government does not yet have a common position on maintaining the funded element in the Russian pension system.

“We have expressed the government’s position on this issue for next year, and it is foreseen. In the future, as you understand, we will have very serious debates ahead, because the government does not have a single position on this matter,” Golodets said.

Since 2008, citizens have been able to take part in the “pension co-financing” program if they wish. The state doubled the contributions transferred to the funded pension. To date, the program continues to operate only for those who managed to submit an application before December 31, 2014.

How the co-financing program works

The goal of the state program was to encourage citizens to increase the funded pension part at the expense of their own income. Co-financing was primarily intended for employed participants in compulsory pension insurance who are entitled to receive an old-age insurance pension. The second mandatory entity of financing was the Pension Fund. Employers could participate in the program at their own request.

To encourage working people to save more actively for retirement, the following program provisions were implemented:

a participant in the OPS creates a savings account in the state pension fund or in any non-state pension fund from the proposed list, and every year transfers an amount of 2,000 rubles or more to the account. and more, in parts or in full;
the state annually indexes the contribution by 2 times in the amount of 2,000 to 12,000 rubles;
if a citizen postpones retirement, the contribution will be additionally financed or increased by 4 times;
the amount of financing is provided with a 13% tax deduction from the transferred amount to reduce personal income tax.

The right to dispose of savings is transferred to the Pension Fund or Non-State Pension Fund at the request of the participant. The Pension Fund sends funds to the State Management Company of Vnesheconombank. The NPF invests in profitable projects, annually distributing the profits among investors.

Employers can replenish the funded part of an employee’s pension from their own funds. As an incentive, the state provided tax breaks for them. The transferred contributions are reflected as expenses, which reduces the tax base.

Thus, the co-financing program created the conditions for the voluntary accumulation of funds for old age with the help of the Pension Fund, rather than deposits, investments or the purchase of assets.

If a program participant made a contribution of 12,000 rubles during the year, then the state credited 24,000 rubles to the savings account. You can add more, but the indexing size will not increase. The minimum contribution to double your savings is 2000 rubles.

How to deposit funds under the co-financing program?

Despite the fact that it is no longer possible to join the financing program if an application has not been submitted, pension replenishment continues in 2018.

Benefits under the state program are increased by those who submitted applications before December 31, 2014.

To confirm the application, participants were required to make a minimum payment by January 31, 2015.

Transfer of additional funds to a pension savings account is carried out one-time or in equal payments throughout the year. The minimum voluntary contribution is 2000 rubles, the maximum payment is not limited in any way.

Funds are transferred by the program participant in any of three ways:

independently through a bank branch;
remotely through the Pension Fund website with the generation of a payment document;
through the employing organization.

The transfer of funds must be reported to the Pension Fund after payment is made before the 20th. To do this, you need to submit bank receipts or other payment documents to the branch.

For citizens who entered the program before January 31, 2015, the procedure for transferring and indexing savings proposed by the state will remain in place for 10 years from the date of filing the application and making the first payment. The creation of savings shares will continue through the Pension Fund or Non-State Pension Fund. Citizens who submitted applications after January 31, 2015 cannot count on indexation of pension savings. But they have the right to make payments to increase their funded pension.

Transfer of additional contributions by the employer

To replenish the funded part through the employing organization, you need to write an application in free form, indicate the amount and payment options. Deductions through accounting can be made in a fixed form or as a percentage of wages.

Employers must transfer the contributions of the employee who submitted the application, starting with the first days of the following month. If part of the company’s team expresses a desire to transfer funds to savings accounts, the employer is obliged to perform the following tasks:

prepare an order or annex to the collective agreement;
send a collective notice to the Pension Fund by the 20th of each quarter (when the organization has more than 25 participants in the state program);
submit a report on additional contributions to the funded part in the register form.

In addition, the program participant should know that the employer is required to formalize financing at his own expense and payments from the employee’s salary in separate documents. Payment documents must indicate the number, amount and account to which the money is transferred. When an employee resigns, the transfer of additional contributions stops automatically; there is no need to write a separate application for this.

Latest news and changes on the pension co-financing program

The government began to wind down the state program for financing pensions after 2014. The first crisis phenomena that slowed down economic growth appeared back in 2013. After the fall in energy prices, the collapse of the ruble, and the introduction of “Crimean” sanctions, the country’s economy was supported by existing reserves.

In 2014, the government began to look for opportunities to raise funds, which influenced many social initiatives. First of all, decisions on savings affected the co-financing system.

The state program did not stop, but the deadline for entry was set - December 31, 2014. After this date, it is impossible to obtain co-financing.

Today, the opportunity to double pension savings is used by those who managed to apply, but the number of participants is decreasing every year. The number of such citizens is decreasing for a number of reasons:

some people have retired and receive payments from the funded part;
Those who missed the minimum annual contribution or did not submit an application on time are excluded from the program (participation must be confirmed annually);
from 2018, a limitation on the duration of participation will be introduced. The state offers co-financing only for 10 years from the date of inclusion of a citizen in the state program.

Payers who submitted applications first in 2008 are no longer eligible for indexation or doubling in 2019. Other citizens have the right to receive bonuses if they comply with the terms of the program. In addition, the state did not double the pension savings of those who joined the program at the very end from November 5 to December 31, 2014.

We found ourselves in more favorable conditions employed pensioners. The state proposed to increase their contributions to the funded part by 4 times. Thus, the annual contribution is 12,000 rubles. should turn into a savings portion of 60,000 rubles.

The latest changes made to the April 2008 Law on co-financing of pensions can be found by studying the following regulations:

Federal Law No. 360 dated November 30, 2011;
Federal Law No. 345 dated November 4, 2014.

Changes have been made to the legislation on the rules for joining the state program, its duration and reporting features. There were no major innovations in 2019. The participant has the right to independently set the amount of the contribution, the method of transferring money, the management organization, the option for receiving savings, and choose directions for disposing of the account in the event of his death. The law introduces restrictions on the amount and method of receiving savings by heirs.

How to withdraw money from the Pension Fund under the state co-financing program?

As the government's pension doubling program ends, many participants are planning to get their contributions back. To do this, you must submit a separate application to the Pension Fund to apply for an old-age savings benefit.

Pension Fund inspectors, as a rule, offer to submit a request for three options for receiving benefits, and then choose one of them:

one-time refund of the entire amount;
lifetime payment;
a breakdown of savings into equal parts that will be paid within the time period established by the participant.

The last option is considered the most popular, broken down over the next few years. A lifetime payment is unprofitable, since in this case the increase in pension will be no more than 100 rubles. per month.

How to withdraw savings from a non-state pension fund?

Citizens who transferred savings to a non-state pension fund have the right to apply to it for benefits after retirement. An application for transfer of savings is submitted in two cases:

old age pension insurance is issued (repayment of contributions should be expected 2 months after submitting the request);
the program participant retired early.

The funded part can be received before the established age if the citizen has the right to early retirement.

The application must indicate the method of receiving money: a one-time payment, an urgent or unlimited option. Full or partial payment is transferred after 2 months. Payments under the unlimited option are extended over 19 years. With the urgent option, savings are issued for a period of at least 10 years. A lump sum payment is transferred once every 5 years and can be up to 5% of the insurance portion.

If a participant in the state program applied for an urgent payment of savings, then in the event of his death, the heirs can count on receiving the rest of the funds. The legal successor is determined by the will. If there is no will, a close relative has the right to apply for benefits.

To receive savings, the heir applies to the NPF within 6 months from the date of death of the program participant. The applicant confirms with documented family ties and the fact of death. The NPF makes the decision to transfer funds within 1 month, and makes payments after the 15th.

How do the relatives of the deceased receive savings through the Pension Fund under the state program?

The savings of a deceased participant in the co-financing program can be taken by his legal successors - these are children, spouses, grandchildren, parents, brothers, sisters. Payment of savings is made after the death of a citizen in the following cases:

before the appointment of a pension benefit, before its recalculation taking into account voluntarily contributed money;
after submitting an application for urgent benefits (it is completed by everyone, provides for the issuance of the balance from the funded part, and does not take into account maternity capital allocated for the social benefits of the deceased);
after the pension has been assigned, if the lump sum has not been issued.

In this case, close relatives of the deceased have the right to take away the savings within 4 months. This right applies only to relatives who lived with the deceased citizen or were dependent on him, regardless of their place of residence. If there are no such relatives or children, the savings go to the inheritance.

To receive the deceased's pension savings under the co-financing program, legal successors must complete a number of steps:

prepare documents confirming relationship;
contact the Pension Fund strictly 6 months after the death of the state program participant (if the deadline is missed, the issue will be resolved only in court);
deliver the documents personally to the Pension Fund or send by registered mail (required with an inventory and notification);
wait for the fund's decision within the month following the day the request was submitted. Within 5 days from the date of the decision, the Pension Fund sends notification of a positive or negative decision to the relatives who applied.
Funds must be transferred by the 20th day of the month following the month the notification was sent. The transfer is made in the manner indicated by the program participant in the application.

Important remember that the relatives of a deceased participant in the state program will not receive anything, if he initially applied for a lifetime payment of the funded part, that is, the benefit was paid monthly in equal installments.

Who can join the pension financing program

The state program for co-financing pension savings of citizens has been stopped. Today, savings are doubled only in the accounts of people who managed to submit an application before November 5, 2014. This measure of state support was the best option for citizens born before 1967, since they did not have a funded part of their pension. For younger retirees, the program is not beneficial.

The following can apply for inclusion in the state program for co-financing pension savings:

citizens entitled to pension insurance;
people aged 55/60 who are officially employed but do not yet receive social benefits and pensions;
unemployed pensioners.

If citizens work and receive a pension at the same time, then they do not have the right to join the state program. People who did not have time to submit an application before January 31, 2015 can take part in the state program and increase the funded part. But the state will not index the savings of new participants.

How to get into the state co-financing program?

To become full participants in the program under the terms of “doubling contributions,” citizens had to submit applications by the end of 2014 and make the first payment by January 31, 2015. If the application was submitted, but the savings were not transferred, then the right to create individual contributions remains with the person, but he will no longer receive a budget supplement.

To become a participant in a self-financing pension you must:

prepare an application and send it to the Pension Fund branch at the place of registration of the citizen (you can submit an application through the MFC, the State Services portal or your employer, who will transfer the documents to the Fund within 3 days);
open a personal pension account if it is not registered (for this a separate application and a package of papers are submitted, you will need a passport, SNILS);
wait for written notification from the Fund’s employees, who are given 10 days to consider the application.

How to exit the state pension financing program?

The state has established a 10-year period of support for participants in the program for the formation of the funded part. Any citizen who has previously submitted an application for co-financing has the right to suspend his participation for 10 years and, if necessary, resume again.

To suspend participation, a corresponding application must be sent to the Pension Fund, but this does not mean that the citizen will receive pension savings back. He will be able to receive funded benefits only after receiving a legal old-age pension. To do this, you must send a separate application to the Pension Fund or Non-State Pension Fund.

What pension programs does the state offer in the future?

As part of the new pension reforms, it is proposed to introduce individual pension capital. It is believed that this option will be a better alternative for co-financing pensions. Under the new program, citizens will be able to independently accumulate pension benefits. At the same time, the level of civil responsibility should rise. As a result, everyone will receive as much as they have accumulated during their lifetime.

Experts note that it is not yet possible to link the IPC with corporate programs for creating a funded part, in which millions of Russians participate. Pension contributions for this category of citizens annually amount to more than 6 trillion. rub. This is due to the fact that corporate programs have their own individual characteristics.

In addition, to become interested in IPC, many will have to give up current needs in favor of a future pension. The average salary in the country is about 30-36 thousand rubles. More than 70% of working citizens receive much less. According to the analysis of financial experts, to create long-term savings in the current conditions, you need to have an income of at least 60 thousand rubles. Consequently, less than 30% of citizens will be able to take part in the IPC. Most likely, many of them will choose deposits, long-term securities and other financial instruments.

To motivate the IPC project, government experts suggest:

abolish personal income tax on payments for non-state pension funds (today only contributions transferred to the Pension Fund are not taxed);
increase the social deduction for personal income tax refund from 120 to 400 thousand rubles;
equate contributions to the IPC to labor costs, then they will reduce the tax base;
redirect additional contributions for harmful and dangerous work to corporate pension funds;
establish other types of tax benefits.

According to studies, without serious offers and benefits, less than 2% of citizens will participate in the IPC program. It has not yet been decided whether the project will be voluntary. According to the new pension program, each employee will be required to transfer from 1 to 6% of their salary to the funded part. Perhaps the reform will be carried out using an “automatic subscription”, and employers will be required to transfer funds. If a citizen wants to leave the IPK, he will write a statement.

The government has not yet made a decision on the future option for co-financing pensions, but the planned innovation will most likely be introduced in the mid-20s. According to citizen reviews, the program to double retirement savings disappointed many.

Participants in the State Pension Co-financing Program to obtain the right to co-financing pension savings in 2016 must make payments by December 25, 2015.

The state will provide co-financing of citizens' voluntary contributions to future pensions in a double amount for 10 years, subject to payment of contributions in the amount ranging from 2,000 to 12,000 rubles per year.
You can pay contributions either through a bank or through your employer. To make a payment through a bank, a payment receipt form with details can be obtained from the Pension Fund at your place of residence or downloaded from the Pension Fund website. To make a payment through the employer, you must submit an application to the accounting department indicating the amount of the monthly contribution in cash to be deducted from your salary.

Money under the Program can be received after applying for a pension in the form of an urgent pension payment or a funded pension, a lump sum payment of pension savings. From January 1, 2015, the procedure for receiving a lump sum payment of pension savings has changed. Insured persons who received a lump sum payment have the right to apply again for its implementation no earlier than five years from the date of the previous application.

If a citizen did not apply for a one-time payment of pension savings in 2015, he can make payments under the State Co-financing Program in 2015 and apply for payment in 2016. Thus, he will receive 48 thousand rubles, subject to the maximum payment for the previous 2 years.

If a pensioner applied in 2015 and received his pension savings in the form of a lump sum payment, then the next lump sum payment can be made to him no earlier than 5 years later, i.e. in 2020.

From January 1, 2015 The rules for determining the size of the contribution for co-financing the formation of pension savings of insured persons have changed.

Since 2015, additional insurance premiums are co-financed by the state in the amount of 4 to 1 only for those insured persons who are entitled to insurance pension and did not apply for the establishment of an insurance pension, an urgent pension payment, a lump sum payment of pension savings, or another pension in accordance with the legislation of the Russian Federation.

Detailed information about the Pension Co-financing Program:
- Online

We remind you that participants in the State Pension Co-financing Program in order to receive the right to co-financing pension savings in 2016 must make payments before December 25, 2015.

Participants in the Co-financing Program are citizens who joined it in the period from October 1, 2008 to December 31, 2014 and made the first contribution before January 31, 2015. The state will provide them with co-financing of voluntary contributions for a future pension in double the amount for 10 years, subject to payment of contributions in the amount ranging from 2,000 to 12,000 rubles per year.

You can pay contributions either through a bank or through your employer. To make a payment through a bank, a payment receipt form with details can be obtained from the Pension Fund at your place of residence, from the bank itself, or downloaded from the Pension Fund website. To make a payment through the employer, you must submit an application to the accounting department indicating the amount of the monthly contribution under the Program in cash or as a percentage of your salary.

Money under the Program can be received after applying for a pension in the form of an urgent pension payment or a funded pension, a lump sum payment of pension savings. From January 1 of this year. The procedure for receiving a lump sum payment of pension savings has changed. Insured persons who received a lump sum payment have the right to apply again for its implementation no earlier than five years from the date of the previous application. The five-year period is calculated from the moment the insured person applied for a lump sum payment, which took place after January 1, 2015.

Moreover, if a citizen did not apply for a one-time payment of pension savings in 2015, he can make payments under the State Co-financing Program in 2015 and apply for payment in 2016. Thus, he will receive 48 thousand rubles, subject to the maximum payment for the previous 2 years.

Detailed information about the Pension Co-financing Program can be found on the website www.site and by calling the Citizen Consultation Center 8-800-510-55-55 (24 hours a day, free call within Russia).

For reference: during the period of the Program, more than 216 thousand residents of the 33rd region became its participants, who transferred 340 million rubles towards their future pension.

The pension co-financing program can be extended until January 1, 2015 for those Russians who have not yet reached retirement age. Such a bill was prepared by the Russian Ministry of Labor, said Deputy Minister of Labor and Social Protection Andrei Pudov.

He recalled that as of October 1, 2013, entry into the program was completed, but they want to reopen it for another year. In the future, after 2015, according to the Deputy Minister, the program can also be extended. But not for everyone, but for certain categories of citizens. Perhaps this will affect employees of “harmful” enterprises.

The right to choose for Russians will also be extended until the end of 2015 - whether their pension will be only insurance or will contain a funded component (6 percent). As the Deputy Minister clarified, until the end of 2015, those who are already in an employment relationship with an employer will have the right to choose.

Young people who are just entering the labor market are given more time to think - 5 years. And if the young man started labor activity until the age of 18, then he can make his choice until he turns 23, that is, in fact, he has more than five years left.

The deputy minister also recalled that starting next year the minimum wage will increase to 5,554 rubles per month. But raising the minimum wage to the subsistence level, which is now above 6 thousand, will most likely not happen before 2018.

In turn, Chairman of the State Duma Committee on Labor, Social Policy and Veterans Affairs Andrei Isaev clarified that the main stumbling block in the issue of a more significant increase in the minimum wage is the question of whether allowances and compensations should be included in the minimum wage or whether they should be accrued from above.

Therefore, there are conflicting decisions of courts of all levels on this issue and there is still no agreement, no compromise solution between the social partners - representatives of workers, employers and the government. At the same time, the deputy noted that if wages in Russia do not increase significantly, then a new pension formula will not do much to improve the well-being of people in retirement.

Because from a small salary, in any case, small contributions are made to the Pension Fund. And people end up getting small pension rights.

In this regard, he promised that the spring session of the State Duma will begin with parliamentary hearings on increasing wages in Russia.

Pudov also said that a personalized pension calculator may appear in Russia in the next two years. In his opinion, it allows each individual citizen to be notified of the approximate size of his pension, taking into account changes in his salary and length of service.