How to pay a pension fund online at Sberbank. Individual pension plan - building our future Pension co-financing through Sberbank online

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March 15, 2012

The branch of the PFR in the Republic of Kazakhstan began to accept payments for mandatory pension and compulsory medical insurance through self-service devices of the Savings Bank of the Russian Federation.

According to Irina Yavanova, Deputy Head of the Department for Organizing the Administration of Insurance Premiums and Collection of Debts, the new service will simplify the process of paying insurance premiums and help avoid long queues. This service is primarily for individual entrepreneurs who pay contributions to the Pension Fund without opening their own bank account.

The new service can also be used by citizens, participants of the Program state co-financing self-paying pensions additional contributions in funded part future pension.

Payment of contributions to the Pension Fund of Russia through terminals has become another step towards improving the quality of service. The new technology makes it possible for payers of insurance premiums (individual entrepreneurs, individuals) to pay insurance premiums on their own using Sberbank's information and payment terminals, which makes it possible to eliminate errors when filling out CSC in payment documents. Payment through the terminal can be made both in cash and using a plastic card issued by Sberbank of Russia.

As Yavanova noted, the payment made through self-service devices is entered into the operator's billing on the next business day. As a confirmation of payment, the RS issues a check.

To pay payments to the Pension Fund through an ATM, you need to select the main menu item "PAYMENTS IN OUR REGION", then select the "TAXES, FINES, DUTIES" group, then select the "OTHER" option. From the “PAYMENTS” list that opens, you need to select “CONTRIBUTIONS FOR OPS AND CHI - OPFR ON RK (40101.003)”, after which a window will appear for entering the series and passport number, then you need to sequentially enter the CCC, TIN, full name, registration number in the PFR, payment amount and click "PAY".

Sberbank will set a "distance" for future pensioners

Sberbank decided to unload its tellers and attract large quantity people to participate in state program co-financing of pensions. Mainly due to the younger generation of workers. According to Galina Morozova, president of NPF Sberbank, by the end of the year, the parent organization will provide an opportunity to make payments under the pension co-financing program through terminals and Internet banking. At the same time, a client of any non-state pension fund will be able to use Sberbank's remote service channels. Why was such a service needed?

So far, the co-financing program, according to which the state doubles the amount (no more than 12 thousand rubles a year), transferred by a citizen voluntarily to the funded part of his pension, has not received the expected distribution. According to the Russian Pension Fund (PFR), only 5.4 million people took part in the program over the three years of the program, of which 1.5 million applied this year. Among the program participants, more than half are people aged 30 to 50 years, 28% - people over 50, 19% - under 30 years old. According to Morozova, remote service channels will be able to attract the attention of a greater number of young people to co-financing.

Now program participants can replenish their pension accounts either through employers or through the bank's cash desk. According to PFR statistics, almost half (47%) of all additional insurance premiums for the funded part of labor pensions are paid through Sberbank. All other credit institutions and payment terminals account for about 3% of payments. Half of the participants in the program prefer to do this through the accounting department at their place of work.

The last way people choose because it is the most convenient. No need to go to the bank or look for a payment terminal, waste time. It is enough to leave an application once in the accounting department, and the money will automatically be transferred to the Pension Fund. The method of payment through a bank or payment terminal has another drawback.

The FIU manages to change budget classification codes quarterly, says Morozova. - I think that the remote replenishment of pensions will increase the number of program participants, because it will become easier for people to pay, the number of errors will be much reduced, and, accordingly, we will receive more payments.

In NPF Raiffeisen, where they do not plan to offer such a service through the parent bank, they are wary of the plans of their colleagues, noting that the main difficulty is not the transfer of funds itself, but the subsequent identification of the payment in the PFR.

If colleagues from Sberbank manage to solve this problem at the technological level, it will be a breakthrough, - says Elena Gorshkova, Executive Director of NPF Raiffeisen.

The PFR also considered that the initiative could expand the circle of participants in the co-financing program.

The more payment instruments, the better, - says Margarita Nagoga, head of the department for public relations and interaction with the media of the Pension Fund. - The main thing is that Sberbank does not take a commission for this.

Now contributions under the co-financing program can be paid remotely through the QIWI and Svyaznoy terminal networks, but they charge a commission for the transfer: 2.5% regardless of the payment amount and approximately 2% if the amount does not exceed 500 rubles, respectively. But it should be noted that in Svyaznoy, if the fee is higher than 500 rubles, no commission is charged. Sberbank promises that replenishment through their Internet banking and terminals will be free.

Competitors in this type of payments are not afraid of Sberbank's plans. For example, as QIWI PR director Alexandra Vysochkina said, if Sberbank manages to attract new program participants, this can increase the number of transactions in the terminals located at every turn.

How to pay for pension co-financing through a Sberbank terminal

You can join the State Co-financing of Pensions Program only until October 1, 2013, in connection with this, on August 20, Elena Altova, head of the department for organizing personalized accounting, conducted a hotline. We publish answers to the questions asked.

– What will happen to the savings formed with the help of the State Co-financing Program if a person dies?

- If a person for some time formed savings in the form of additional insurance premiums, but did not have time to use them, then savings, incl. and amounts of co-financing are inherited by the successors. If the death occurred before the appointment of a pension, then the entire amount is inherited by the assignees. If the pensioner has already been assigned an urgent pension payment, then the part that has not yet been paid is inherited.

– I have already joined the Program and am paying fees, can I stop paying them? When can I receive payment?

– You have the right to stop paying contributions and resume their payment at any time, while it is necessary to take into account that the Co-financing Program is valid for 10 years, starting from the year of the first payment. Get funds pension savings You can at the appointment of a pension, in the form of a lump sum or urgent payment (for a period of at least 10 years), or as part of the funded part of the pension.

How can I apply to join the Program?

– You can submit an application to the territorial office of the Pension Fund (in Petrozavodsk at Lyzhnaya, 2B). Employed citizens can apply through their employer, registered on the Public Services Portal - through the corresponding service of the Portal. Let me remind you that this must be done before October 1, 2013.

– How can I pay fees for the Program?

– There are several ways to make a donation. You can independently pay contributions through a bank, having received the details and a receipt for payment at the territorial body of the Pension Fund or on the website of the Pension Fund of Russia. You can pay contributions through Sberbank payment terminals by finding the option “additional insurance premiums to the Pension Fund”. You can also write an application to the employer so that the accounting department of the enterprise where you work transfers contributions from your salary.

- Hello, I am a military pensioner, I have been in the civil service for three years. Am I eligible to participate in the State Co-financing Program?

– Yes, you are eligible to join the Program, but for this you must submit an appropriate application and make the first installment before October 1, 2013.

- I am a pensioner, I participate in the Program of state co-financing of pensions. Is it possible to write an application for the Pension Fund to independently withhold contributions to the Program? It would be convenient.

– The pension fund cannot withhold contributions from the pension. If you receive a pension through a bank, you can apply to the bank to issue a long-term order indicating the amount that will be transferred from your account monthly to the funded part of the pension.

- I am a pensioner, I made a contribution under the Program. Can I get paid at the end of the year?

– You are entitled to the payment of pension savings funds. If you paid additional insurance premiums during the year for a total amount of 2,000 to 12,000 rubles, then in May next year the state will double this amount and the pension savings will be reflected in your personal account. If you want to receive this money, you need to submit an application to the territorial body of the Pension Fund (in Petrozavodsk at Lyzhnaya, 2B) not earlier than May next year.

– Are funds received from the state under the State Co-financing Program invested?

– Yes, the amounts of state co-financing are invested as part of pension savings.

My sister-in-law is on maternity leave. Can she participate in the Program? When will she have the right to use the savings funds?

– There are no restrictions on participation in the Program, but for this you should submit an appropriate application and make the first installment before October 1, 2013. The right to the payment of pension savings can be used when assigning a pension.

You can find out about the status of your "retirement" account through the ATM of the Savings Bank

Chairman of the Pension Fund of Russia Anton Drozdov and President, Chairman of the Board of the Savings Bank of Russia German Gref signed agreements* that define the interaction between the PFR and Sberbank when accepting payments under the State Pension Co-financing Program. At the same time, the Savings Bank becomes a transfer agent of the Pension Fund of Russia.

Thanks to the agreements reached, the procedure for citizens' access to their individual personal accounts in the PFR will be significantly simplified. In the near future, Savings Bank customers will be able to receive information about the state of their pension savings not only at the Pension Fund branches, but also at Sberbank branches, as well as through self-service terminals (ATMs) and the Internet banking system.

Simply put, the owner of a Sberbank card will be able to find out through an ATM how much money has been accumulated in his “pension” account. To do this, he must first submit an application to the Savings Bank. Thus, Sberbank clients will not need special notices that the Pension Fund sends out annually to participants in the pension insurance system. Considering that the number of Sberbank's clients throughout the country exceeds 20 million people, the Pension Fund will be able to significantly reduce the number of notices sent and the costs of them as early as next year.

The key goal of the signed agreements is to maximally coordinate and simplify the interaction between the PFR and Sberbank in the implementation of the 2nd stage of the State Pension Co-financing Program, and expand the range of services provided to citizens. From January 1, 2009, citizens, the state and employers will be able to start transferring contributions to the PFR budget for the funded part of the future pension, which are taken into account on the individual personal account of a citizen . Funds transferred personally by a citizen will be co-financed by the state (up to 12,000 rubles per year for most citizens and up to 48,000 per year for persons who have reached retirement age but did not apply for a labor pension).

The employer can act as a third party of co-financing. In this case, he is exempt from paying UST within the amount of co-financing (up to 12,000 rubles per employee per year). In addition, the amounts of co-financing are included in the expenses taken into account when taxing the income of the employer.

The first stage of the State Pension Co-financing Program began on October 1, 2008. The Pension Fund has begun collecting applications from citizens to join the Program. To date, the Program has been joined by more than 500 thousand Russians.

* "Cooperation Agreement of the Pension Fund Russian Federation and Savings Bank"; “Agreement on the procedure for interaction when accepting payments from individuals for additional insurance premiums for the funded part of labor pension in the currency of the Russian Federation”; "Agreement on the procedure for interaction to inform the insured persons about the status of their individual personal accounts."

The state program for co-financing pensions in Khabarovsk is working smoothly

December 27th, 2016

The program of state co-financing of pensions was launched in October 2008. Then future and current pensioners got the opportunity to increase their pension both at their own expense and at the expense of state co-financing. Is it possible to join the program now, how additional insurance contributions are co-financed, whether these pension savings are inherited - these and other questions of our readers were answered by the head of the Pension Fund Department in Khabarovsk and the Khabarovsk region Tatyana Cherendina.

Tatyana Vladimirovna, as far as we know, the program of state co-financing of pensions is closed. So it's not possible to join now?

It is impossible to say that the co-financing program is closed. You can become a member now, pay

Tatyana Cherendina, head of the UPFR in Khabarovsk and the Khabarovsk region

additional insurance contributions that will increase your funded pension, but the state will co-finance the funds paid only to those citizens who entered the program in the period from 2008 to 2014 and made the first contribution for its “activation” by January 31, 2015. After this date, additional premiums paid for the first time are not subject to state co-financing.

A person entered the program in 2013, contributed 2,000 rubles once. Can he continue to pay contributions, and will this money be co-financed by the state?

As I have already said, by joining the pension co-financing program before December 31, 2014 and making the first contribution by January 31, 2015, the citizen remains a participant in the program, and within 10 years from the year of payment of the first payment, his contributions will be doubled in the range from 2000 to 12000 rubles per year - depending on the amount he contributed. At the same time, during this 10-year period, he can both stop paying additional insurance premiums and resume it without notifying the Pension Fund.

But is there any reason to participate in the program, because inflation can “eat up” all the pension savings that we make?

There are certainly advantages to participating in the co-financing program. First, your contributions will be doubled in the range of 2,000 to 12,000 rubles a year, depending on the amount you pay. That is, if you deposited 2,000 rubles during the year, the state will add another 2,000, as a result, there will already be 4,000 rubles on the account.

Secondly, such a mechanism will work for you for 10 years. Thirdly, you can annually return 13% of the contributions you paid in the form of a social tax deduction. Fourthly, both your contributions and state contributions are annually transferred for investment, so if you are still far from retirement, you will be able to receive investment income from these funds, of course, provided that they are properly managed.

Our reader Galina Petrenko asks: “I have been participating in the co-financing program for four years already, paying a thousand rubles a month. In two years I will be 55 years old, and I will be able to apply for a pension. But I'm not going to do that, because I want to earn bonus points for the length of service beyond retirement age. I heard that there are some privileges for program participants who have extended their pre-retirement age. Is it so?"

Indeed, for participants in the co-financing program who have reached the generally established retirement age, but have not applied for a pension, state co-financing is carried out not in the proportion of "one to one", but "four to one". That is, for each of your 1,000 rubles, the state will add 4,000 rubles. Thus, your 12,000 per year will be supplemented by 48,000 rubles from the state. And in total, at the end of the year, your individual personal account, together with your money, will be replenished with an amount of 60 thousand rubles.

And where can I see that the transferred funds and the state increase are credited to my account?

You can get an extract from an individual personal account by contacting the territorial body of the PFR or multifunctional centers for the provision of state and municipal services (MFC). In addition, such information can be found in the Citizen's Personal Account on the website of the Pension Fund and on the public services portal.

I draw your attention to the fact that all users registered on the Unified Portal of Public Services have access to the Citizen's Personal Account. By the way, now you can register on the public services portal and get account confirmation in any customer service pension fund.

Question from Alexei Ivanov: “I am a regular military man. Entered the state co-financing program. I pay regularly. Tell me, how can I get my savings later?

After reaching the generally established retirement age, you can apply to the FIU or NPF (depending on where your pension savings are formed) for their appointment. Moreover, as a participant in the program, you can choose one of three options receiving it: a lump sum payment, an urgent payment or a funded pension.

I will explain if the size of your funded pension will be 5% or less in relation to overall size pensions (insurance plus funded pension), you can receive all your savings at a time.

The urgent payment is paid monthly. Its duration is determined by you, but it cannot be less than 10 years. The lost amount of pension savings in this case is inherited by the successors.

The funded pension is paid monthly, throughout the life of a citizen.

Anna Nikolaeva asks: “My husband died in a car accident. He participated in the pension co-financing program and transferred contributions to his future pension. Every year he received a letter from the NPF, in which the transferred funds were indicated. Do I have the right to claim his retirement savings, because he never lived to see his retirement?

Certainly. You, as the successor of the first stage, are entitled to receive these funds. Within six months after the death of your spouse, you need to apply to the NPF where pension savings were formed. These funds will be paid to you in a lump sum. If you missed the six-month period, you need to restore your right through the court.

My friend and her son managed to join the program and activate it. My son is now 16 years old and does not work yet. Can my friend pay extra fees for it?

Yes maybe. The main thing is that additional insurance premiums should be taken into account on his individual personal account, and it does not matter who pays for whom. The only thing I want to draw the attention of those citizens who make contributions for their children is that the additional insurance premiums paid for them are co-financed when they reach the age of 14.

Olga Andreeva writes: “My friend and I are already pensioners, but we are actively participating in the pension co-financing program. Very pleased with the promised increase, last time we applied for a lump sum payment in 2015 and continue to make our deductions. Has anything changed for us?

There are changes. Since 2015, they have touched on the timing of applying for the appointment of a lump sum payment from pension savings. Now such a payment will be made no more than once every five years. In this case, if a citizen applied for pension savings in 2015, the next time he will have the right to receive payment only in 2021.

How can payment be made?

You can pay contributions through the employer, and independently in the payment terminal of Sberbank. You can also pay at any credit institution by filling out a receipt, or remotely using Internet banking.

And the last question: our reader made out a tax deduction for the contributions paid under the program, but the tax authorities demanded that she notify her of joining the program of state co-financing of pensions. Is it possible to get a duplicate of this document because, as the reader reports, she lost the original?

A notice of entry may be issued again at the territorial body of the Pension Fund at the place of residence.

Correspondent for the newspaper "Khabarovsk Pensioner", host of the author's page "Our House" in the newspaper "Khabarovsk Express" and a regular contributor to the newspaper for summer residents "Solnyshko". Three times, in 2011, 2012 and 2013, she became the winner of the All-Russian competition of journalists for the best media coverage of social and pension topics. I am convinced that in order, finally, “to live well in Russia,” we all need to learn how to obey the laws, and not fight them.

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Each client of Sberbank PJSC is invited to draw up an individual Sberbank pension plan. It allows, in addition to the funded pension, to additionally receive a non-state pension.

Income, independently organized today, at the end of a career will provide an opportunity to maintain a decent lifestyle and relax as comfortably as possible.

Benefits of an individual pension plan

The pension plan offered by Sberbank makes it easy to generate additional income. It has a number of advantages:

You determine the frequency and amount of contributions yourself.
non-state Pension Fund Sberbank increases your savings every year thanks to investment income.
Having issued a social tax deduction within the framework of the current legislation, you can return 13% of the investment.

Is it worth it to draw up an individual pension plan of Sberbank and what conditions to choose

Types of individual pension plan

Sberbank offers to draw up one of three types of an individual pension plan:

Universal,

The official website of the NPF Sberbank program -

Access to the "Personal Account" is carried out under the following conditions:
1) an agreement on compulsory pension insurance (a contract of non-state pension provision) It entered into force;
2) a pension account for the accumulative part of labor pension has been opened in accordance with the Insurance Rules and/or a pension account for non-state pension provision has been opened in accordance with the Pension Rules;
3) the presence of Consent to the automated processing of personal data. Individual pension plan personal account: lk npfsb ru

Sberbank universal individual pension plan

The size of the non-state pension that the client will receive in the future depends on the savings. The individual universal plan of Sberbank provides for the following conditions:

The minimum amount of the down payment is 1.5 thousand rubles.
The minimum amount of periodic contributions is 500 rubles.
An arbitrary schedule is drawn up according to which contributions will be made.
The period of payment of the pension is from 5 years.
Provision is made for inheritance of pension savings to the successor of the program participant.
Savings cannot be divided in the event of a divorce or collected by third parties.

In case of early return of savings within the framework of the universal pension plan, the scheme works:

After 2 years of participation in the program, the client receives the entire amount of the paid fees and 50% of the investment income;
After 5 years - the entire amount of contributions paid and accrued investment income.

A Sberbank client is entitled to a refund of paid income tax, which currently amounts to 13% of the total amount of contributions. The maximum amount of return per year is 15.6 thousand rubles.

To apply for a universal plan, the applicant will only need a passport of a citizen of the Russian Federation. You can become a member of the program in a convenient way for the client:

By contacting the nearest branch of Sberbank;
By visiting the office of the NPF of a credit institution;
By filling out an application form on the bank's website.

Hotline of NPF PJSC Sberbank: 8 800 555 00 41

By phone you can ask all your questions and decide whether this offer is worth it.

Guaranteed Retirement Plan

According to the terms of the guaranteed plan, the amount of the desired pension is specified in the contract. Based on the expected amount, the amount of contributions is calculated, and a schedule of regular payments is drawn up.

For this type of plan, the following conditions apply:

The amount of the initial payment is equal to the payment that the client will make regularly.
The amount of periodic contributions is fixed and reflected in the contract.
The schedule according to which payments will be made is drawn up in advance and negotiated in the contract.
The minimum pension payment period is 10 years.
The accumulated pension is inherited by legal successors, but cannot be divided in the event of a divorce or seized by third parties.

In case of early termination of the contract, the client receives:

After 2 years - the entire amount of contributions and 50% of the investment income received;
After 5 years - the entire volume of payments and investment income.

The Guaranteed Plan also includes an income tax refund option. Its size is 13% of the amount of savings and cannot exceed 15.6 thousand rubles a year.

To take part in the Sberbank project, the applicant must contact the NPF office of the credit institution. To draw up a plan, it is enough to have only a passport of a citizen of the Russian Federation with you.

Comprehensive pension plan

The Comprehensive Pension Plan provides for the fulfillment by the client of the following conditions:

Transfer of a funded pension to the NPF of Sberbank;
Registration of a non-state pension within the framework of an individual pension plan.

The contract states that contributions are made in an arbitrary amount according to a flexible schedule.

The comprehensive plan contains the following provisions:

The minimum initial payment is 1 thousand rubles;
The minimum periodic contribution is 500 rubles.
A flexible, customer-friendly payment schedule is drawn up.
The pension is paid for five or more years.
Savings can be inherited.
The amount of contributions and investment income cannot be divided upon a client's divorce and is not subject to judicial recovery.

A program participant may demand from Sberbank an early return of savings. In this case, the following conditions apply:

After 2 years, the entire amount of contributions and ½ of the investment income are returned;
After 5 years - the entire volume of payments and received investment income.

The client can return income tax on the amount of contributions, which is 13%. The maximum amount of tax deduction per year should not exceed 15.6 thousand rubles.

You can apply for a comprehensive pension plan by contacting either the office of the NPF of Sberbank or the department of the institution. You must have a Russian passport and an insurance number of your personal account with you (in the system of compulsory pension insurance).

The procedure for paying pension contributions

Pension contributions are made by the client in the amounts specified in the contract concluded within the framework of the individual plan. To make payments, the program participant can choose any convenient method:

Use the official Internet portal of the Fund and a bank card;
Make a payment using a mobile application or the Sberbank. Online";
Deposit the required amount through an ATM or Sberbank terminal;
Contact a bank branch or office;
Transfer funds through the accounting department of your enterprise, providing a corresponding application there.

Details for receiving pension contributions can be clarified on the official website of the bank.

How to file a tax deduction

A member of an individual pension plan can take advantage of the social tax deduction provided for by law. The amount of contributions from which you can receive a deduction is 120 thousand rubles a year.

To return income tax, a client with the appropriate package of documents must contact the tax office and their accounting department at the place of work.

To receive a tax deduction, you will need the following documents:

Free-form application for tax refund;
Tax return;
A copy of the agreement with a non-state PF;
Copies of the passport and TIN;
Copies of receipts or other payment documents that confirm the payment of contributions.

How is a non-state pension paid?

The pension accumulated under the individual programs of Sberbank is paid every month. If minimum size If the pension set by the Fund exceeds the monthly pension, then it can be paid once every three or six months.

A participant in the program after the appointment of a pension receives a special "pension book" in the form of a plastic carrier. Payments at the request of the client can be made either to an account opened with Sberbank, or to the account of any other banking institution in the Russian Federation.

Sberbank offers citizens to take care of their well-being upon retirement by turning to one of their pension programs. Is it worth it to draw up an individual pension plan of Sberbank, how to calculate its profitability, what are the advantages, we will analyze in detail.

Features of NPF Sberbank

Is it worth investing in your future? This question a couple of years ago caused bewilderment, but now it does not seem so strange as the population's faith in the social policy of the state falls year by year.

Profitability of IPP Sberbank in 2019

How beneficial an individual pension plan is depends on a number of reasons:

First of all, on the size of your own investments and the duration of their placement. The sooner a person begins to form savings, the greater the amount will be in his account by old age.
Secondly, it depends on the success of the investment strategy. Everything that she can earn for the billing period (usually this is a calendar year) is added to the depositor's own funds placed on the individual investment account of Sberbank.

According to forecasts, by 2019, the average percentage return on NPFs will be at least 8% per year. The trend of investment activity indicates a stable annual growth.

Tax deduction for an individual pension plan

Each owner of a pension account within the framework of the IPP of Sberbank has the right to receive a tax deduction in the amount of 13% of the funds contributed - this is another plus of self-formation of a pension:

The maximum deduction per year is 15.6 thousand rubles per year (i.e. from 120,000 deposited to the account);
The deduction is issued to citizens who have an official place of work on the basis of a package of documents (including the 3-NDFL declaration) at the end of the year:

Payment will be made by a single transfer to a bank account.

Note two limitations:

For the year you can not return more than the person pays taxes (13% of wages).
The amount of 120 thousand is the cumulative limit for all types of deductions (including for education and treatment), so in reality you can get less from:

Individual investment plan Universal

At Sberbank, only the specified program is currently in effect, the conditions for it are the most loyal - only one fixed fee, and the timing and additional payments are at the discretion of the client, such a plan is called - Universal. Until 2019, customers could choose between two more API options:

Guaranteed: a citizen assigns the desired amount of pension for a certain period (from 10 years). Based on this, a replenishment schedule is drawn up with specific numbers and frequency.
Comprehensive: a citizen transfers the funded part of the pension to Sberbank and independently forms contributions. At the end of the contract, he receives two types of pensions.

IPP Terms Universal

Checkout in non-state fund Sberbank can be on the terms:

Initial deposit: from 1500 rubles, if you plan to save only a year - not less than 60 thousand rubles;
Replenishment: from 500 rubles;
Schedule: at the discretion of the client;
Pension payment period: from 5 years.

Just as easy as filing it there.

The universal IPP, like others, provides for the right to inherit, but prohibits the transfer of savings to third parties, for example, in a divorce. Also, funds under the Universal Plan cannot be seized or collected by bailiffs.

If the client wishes to terminate the contract under the Universal Plan ahead of time, the refund is made according to the following principles:

After less than 2 years: up to 80% of own investments;
2-5 years: all your contributions and half of the income accrued during this period;
Over 5 years: savings and income in full.

For others individual plans the same conditions for early termination apply.

How to calculate a pension plan

To determine whether it is worth contacting the IPP, it is recommended to use the Sberbank calculator to first calculate how much you can receive at the end of the contract.

It will be possible to calculate a non-state pension and a funded pension, which will begin to accrue after the end of the moratorium. The first is formed from own deductions, the second - from the employer - this is the feature of the Sberbank calculator.

Please note that when applying for an individual pension plan Universal, you are not required to transfer your funded pension to the NPF of Sberbank.

The growth of inflation according to long-term forecasts, the current profit of the fund and other necessary parameters are included in the calculator, which allows you to calculate the result as accurately as possible. It is impossible to accept it as an unambiguous answer, but it allows you to navigate what amounts you should count on.

How to connect a pension plan

You can apply for an individual pension plan of Sberbank through several structures:

Sberbank offices;
Offices of NPF Sberbank;
Online.

When applying in person, you should take a passport and SNILS, which are needed to fill out an application and confirm your identity.

In the form that appears, indicate:

Passport information;
Phone and contact information;
Information about yourself;
The amount of the first payment.

After that, confirmation by SMS takes place (entering the received code). Further, they propose to study the cooperation agreement and put a mark on agreement with its terms. The next step is to pay the fee by transferring from the card. The transfer is carried out on a separate page using 3D-Secure technology, where you need to specify card details and confirm with a password sent from the bank.

Optionally, in the next step you can. To do this, indicate the amount and frequency of debiting from the Sberbank card. If this is not done, you will need to pay on your own through Sberbank Online, an ATM, on the website of the NPF, at the cash desks of Sberbank. You can also arrange transfers from salaries in the accounting department at the place of work.

How to get PPI payments

Upon reaching the required age, it is required to apply for non-state contributions.

Together with him, provide a passport and a copy of the contract (or voice its number). If the appeal occurs before reaching retirement age, it is worth presenting a pension certificate or other confirmation of the appointment of a state pension.

The deductions will be sent to an account with Sberbank or another one specified by the client. The following rules apply:

The first transfer takes place within 30 days after the submission of the application. Further - once a month.
If the calculated payment is less minimum pension payments are made quarterly.
A pensioner is issued a Sberbank pension book.

Conclusion

Registration of a pension program at Sberbank allows a citizen to receive additional deductions at the end of a career in order to ensure a decent standard of living. Universal and other programs are based on the investment of money received from participants in order to increase profits. The profitability of Sberbank's individual pension plan is characterized by high and steadily growing rates.

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Additional insurance premiums for the program

Insurance contributions to the funded pension are transferred voluntarily by the insured person independently. To participate in the co-financing program in the current 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.

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

Thus, funds are moving to co-finance the pension by the state, in accordance with article 14 of the law dated April 30, 2008 No. 56-FZ “On additional insurance premiums for funded pension and state support formation of pension savings".

The procedure for paying fees

You can pay your 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 contribution amount can be paid equal shares during the year, or one-time payment. Need to check correctness of filling form, because due to an error in the spelling of the name, surname, patronymic or money will not reach the personal account of the citizen. A copy of the payment receipt may be useful for filing a tax deduction.

To pay contributions with the help of an employer, it is enough to contact your organization's accounting with an application of an arbitrary form, where it is necessary to indicate the amount of the monthly contribution - in the amount or percentage of wages.

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

The participant can also receive tax deduction from contributions, but not more than 12,000 rubles per year. You can get a tax deduction:

Applying to the accounting department at the place of work if the funds were deposited according to a similar principle.
Contacting with a kit required documents to the tax office place of residence. Documents for receiving a social tax deduction can be submitted at the end of a year, two or three years.

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

Pension co-financing in 2019 for working pensioners

In the current 2019 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 installment in the period from October 1, 2008 to December 31, 2014, currently and until retirement, the state will co-finance the pension, but only subject to the payment of additional insurance premiums.

How to get money for pensioners under the program?

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

After becoming entitled to the corresponding pension, you can at any time apply with an application for her appointment. You can apply in the following ways:

when applying in person to the local branch of the Pension Fund of the Russian Federation or to a multifunctional center (MFC);
by mail;
using an Internet resource (government services portal or a service on the PFR website);
through an authorized representative.

Required documents when applying for payment

After receiving the right to a pension, you must submit the following: documentation for its payment:

passport;
SNILS;
documents establishing the right to establish an insurance payment ( employment history or documents on length of service, earnings, availability of dependents, specifying additional circumstances).

If a the 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 consideration of an application for a pension directly depends on the method of its payment:

For urgent payment - within 10 days;
With 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 there are special conditions co-financing of pensions, in accordance with article 13 of the law of April 30, 2008 No. 56-FZ "On additional insurance premiums for funded pensions and state support for the formation of pension savings".

Thus, if a citizen has the right to insurance pension old age, but did not apply for her 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 48000 rubles.

In total, a citizen can replenish his pension by 60000 rubles, of them 12000 rubles- own contribution, and 48000 rubles- Government allowance.

But there are also limitations in such a system of increasing pensions - this is working citizens, for them a fourfold increase is not provided.

Payment of funds after the death of the insured person

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

paramount- native or adopted children, parents (adoptive parents) and spouse (wife);
secondary brothers, sisters, grandparents and grandchildren.

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

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

before appointment pension or its recalculation;
after appointment of an urgent payment;
after assignment of a lump sum, but it has not yet been paid.

However, if the payment of pension savings was established to a citizen indefinitely, assignees should not count on it.

In order to receive the due funds, assignees must apply to the FIU or NPF no later than six months after death the insured person.

Pros and cons of the state pension co-financing program

You can highlight the pros and cons of participating in the program of state co-financing of pensions. Of the positive aspects in the program, one can designate the pension increase itself: twice, and in some cases four times, thus achieving a tangible size up its payment. Another major plus is the possibility of obtaining a tax deduction from the amount of additional contributions paid.

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

Of the minuses, you can see annual fee limit, that is, a citizen cannot exceed the limit 12000 rubles. Another disadvantage of the program is the inability to become a participant in it. 2015 to this day, however, it is possible that the government will reconsider this circumstance.