Pension payments do not reach the level of average wages. For the vast majority of pensioners, their monthly maintenance is at the level of the subsistence level in the region. The possibility of increasing the pension amount is provided by law. To use the rights granted, you must know them. The list of documents for pension recalculation is presented in the article.
In what cases do pensioners need recalculation?
Changes in pension provision concern old age insurance pension and insurance and.
Reasons affecting monthly maintenance:
- Age 80 years and older.
- The appearance of dependents.
- Changing of the living place.
- Change of disability group.
- Accounting for non-insurance periods when registering until 2015.
- Obtaining the status of Veteran of Labor.
- Continuing to work after receiving a pension.
- Termination of employment;
- Transition from one type to another;
- Death of the second breadwinner.
The video shows information about recalculation:
According to the law, when you live to 80 years, the amount of security increases due to a fixed additional payment taken into account in the formula for calculating the insurance pension. The amount established by law is subject to indexation to the level of inflation. He will tell you what payments are due after the death of a pensioner.
Upon reaching the age of over 80, this part of the insurance pension automatically doubles.
In 2017, a pensioner who has crossed this barrier will receive 4.8 thousand rubles in subsequent periods. more.
For each disabled family member, but no more than 3, an additional payment of 1,601 rubles is due. (RUB 4803 maximum).
A change of residence has an impact on the financial security of a pensioner if he works in the North and equivalent areas or lives while remaining unemployed. He will tell you about benefits for caring for a disabled child.
Working for several years gives the right to recalculate insurance points, which will increase coverage. Residents of regions with unfavorable climatic conditions are entitled to an increase in all payments, including pensions. Its size ranges from 1.15 to 2.
Disabled people who have not been assigned a lifelong group are required to be examined annually to ensure that their health status complies with the established group. He will tell you about the documents necessary for recalculating your pension.
In this case, the disability insurance pension can be reissued - increased or decreased:
- 3 gr. transferred to 2 gr. – increase in payment;
- 2g. – for 1 g. - increase;
- 2 gr. – by 3 gr. - decrease.
Non-insurance periods, when a non-citizen did not work for reasons provided for by law, have points taken into account for the pension.
These include:
- parental leave for children up to 1.5 years;
- emergency service;
- care for the disabled 1 gr. or an elderly relative;
- lack of work at the spouse's place of duty.
The average non-insurance period score is 1.8. In child care, 6 years of experience or a maximum of 15.6 points (for 4 children) are taken into account for experience.
The title of Veteran of Labor at the regional or local level may have an additional payment of up to 200 - 400 rubles. Find out about military pensions.
This benefit depends on the place of residence of the pensioner.
The budgetary conditions of most subjects of the federation do not allow such additional payments. The pensioner must continue to work after receiving the pension in order to complete the period giving the right to status. 
Insufficient security forces people to continue working.
Recalculation is done annually on August 1, taking into account increased length of service and remuneration. Recalculation is important both for and for accrual.
In this case, the maximum number of points taken into account cannot exceed 3 or 256 rubles. in year.
Retirement gives the right to indexation, which is carried out for non-workers, but not for those who work.
Upon reaching 60 (55) years of age, disabled people have the right to switch to an old-age pension, if its amount is higher.
A disabled person receiving , in the event of the death of the second breadwinner, has the right to an additional payment in the amount of his insurance pension.
List of required documents for submission for re-registration
The recalculation can be made without the participation of a person of retirement age based on data available in the Pension Fund.
Automatic payment changes are made in the following cases:
- if you live to 80 years old, it is calculated;
- continuation of work after receiving a pension;
- changes in disability group;
- retirement.
In other cases, the pensioner must contact the local Pension Fund department with an application for recalculation and supporting documents:
- For additional payment for dependents:
- certificates of cohabitation;
- passports;
- birth certificates;
- medical reports;
- disability certificates.
- When moving to the northern regions:
- passport registration details;
- an extract from the work record book about the length of service;
- a copy of the employment contract.
- For receiving the title Veteran of Labor: certificate.
- To re-register a disability pension to an insurance one: data on non-insurance periods.
- In case of loss of the second breadwinner: death certificate.
Non-insurance periods not taken into account when submitting documents to the Pension Fund before 2015 can be clarified in subsequent periods by submitting the relevant evidence. Find out about the one-time social payment to employees of the Ministry of Emergency Situations for housing.
A package of documents for recalculating a woman’s pension for children
Recalculation of pensions issued before 2015 applies to women who gave birth to more than one child before 1990.
According to the previous pension legislation, the length of service taken into account did not include the period of free parental leave of up to 1.5 years.
According to new regulations, these periods are included in the insurance pension. To re-register, you must contact the Pension Fund at your place of residence with the following documents:
- application for recalculation;
- children's birth certificate;
- children's passports.
Passports are required to confirm the upbringing of children under 1.5 years of age. In the event of the death of a child, a death certificate is presented. A supporting document may be a certificate of secondary education.
The video shows how the pension for children is recalculated:
For, as well as after retirement, requiring a personal application to the departments of the Pension Fund, it is necessary to have supporting documents. This responsibility by law lies with the applicant. In cases where all the necessary data for re-registration is available in the database, it occurs without the participation of the pensioner. He will learn about the increase or decrease when he receives his monthly allowance.
Nadezhda Nazarova and Varvara Snegireva
We know that according to the law, heirs can receive a one-time payment of the funded part of the pension. But Varvara Snegireva’s grandmother managed to get not a one-time, but a permanent increase.
The portal “Mercy” has already written about the social project “Instructions for Life”. Its authors, Varvara Snegireva and Nadezhda Nazarova, plan to give instructions and talk about how to act in a variety of social and bureaucratic situations. Last time, together with Varvara Snegireva, we talked about how to behave correctly when suddenly. Today we decided to talk about how not to lose your relative’s pension in the event of his death.
How grandma received grandpa's pension
Varvara Snegireva offers a new important case. We can take over the labor portion of the pension of a deceased loved one. This is how it happened in Varvara’s family.
This year, Varvara Snegireva’s grandfather died. And soon 86-year-old Lyudmila Pavlovna, Varvara’s grandmother, asked her if it was possible to somehow save her husband’s money, which he received as a pension. “It turned out that my grandmother saw a story on television where it was said that people abroad can receive the pension of their deceased spouse. And we decided, as an experiment, to find out - what do we have?” - says Varvara.
A call to the Federal Pension Fund was unsuccessful - they didn’t know anything. Then Varvara called the regional Moscow fund. “I dictated the SNILS numbers of my grandparents, the employees compared their pensions and confirmed that registration was possible.”
It is important that Varvara and her grandmother managed to capture the six-month period after the death of their grandfather. You can, of course, do this re-registration later, but then it will be more difficult.
Varvara and Lyudmila Pavlovna went to the Pension Fund office at their place of residence.
What documents need to be brought to the Pension Fund:
- death certificate (in this case it was the death certificate of Varvara Snegireva’s grandfather)
- SNILS of the deceased person and SNILS of the one who transfers the pension to himself
- passport of the person transferring the pension to himself
- a marriage certificate, if both people are spouses, and the pension is transferred to the widow or widower.
Let us remind you that if a person was born after 1967, then he has a funded part of his pension. If people are older than this age, the pension is divided into the basic part - it is almost the same for everyone - and the labor part. The labor part of a deceased relative’s pension, as Varvara Snegireva found out, can be transferred to oneself.
The pension fund calls this additional payment “for the loss of a breadwinner,” but Varvara notes that this is a payment based on individual calculations. Namely, the re-registration of one person’s pension to another: “The grandmother was given 100% of the insurance part of the grandfather’s pension in replacement of her insurance part, they retained part of her basic pension, they retained the disability pension and other additional payments. Grandfather was an ordinary pensioner, albeit with work experience in the North. In the Garant system and on the Internet, in the calculation formulas for survivor pensions, I came across completely different data for calculations. We were pleasantly surprised by this opportunity.”
By the way, employees of the Pension Fund scared Lyudmila Pavlovna that she might lose money. But they were wrong. It turned out even more profitable. Recently, a woman just received a recalculated pension, in a new amount - more by 4 thousand rubles. Previously, my grandmother - taking into account her group 2 disability - received about 25 thousand rubles a month. And now she received 31 thousand rubles,” explains Varvara Snegireva. The classic survivor's pension is difficult to calculate and requires a lot of documents, explains Varvara Snegireva. In their case, fewer documents were required and the calculations were simpler. Varvara advises you to go and calculate everything individually. Millions of pensioners do not ask for a spouse's pension, they ask for a survivor's pension. And it’s not a fact that they all re-register 100 percent of the insurance part of their husband’s pension, as Varvara’s grandmother managed to do.
New pensions: take care of the funded part
It is important to know: the funded part of the pension - which everyone who was born after 1967 receives and which we are already accumulating - can also be transferred to oneself in the event of the death of its recipient.
There is a nuance: this is possible even if at the time of death the person is still working, has not become a pensioner and has not started receiving a pension. After all, his savings part has already been formed.
Those who have the right to the funded part of their pension can take care of their heirs in advance. “You can leave an application in advance at your branch of the pension fund so that the specified persons receive the funded part of the pension. In another case, the money will be distributed, as is done in any case of inheritance, between relatives in equal shares,” notes Varvara Snegireva.
Let us remind you that in the second scenario, firstly, the heirs of the first stage - children, parents, spouses - will be able to claim the money. Then second-order relatives are taken into account - these are brothers and sisters, grandparents, grandchildren.
What should family members of a deceased person do? First of all, submit an application to the nearest branch of the Pension Fund. “It’s worth knowing in advance which funds your loved ones transferred the funded part of their pension to, because these could also be non-state pension funds,” reminds our expert.
On its own initiative, the fund will not share the remaining pension amount with you. All payment work will begin only after submitting your application.
What documents are needed to transfer the funded part of the pension to yourself:
- death certificate
- Your passport
- confirmation of family ties with the deceased person, that is, a marriage or birth certificate
- SNILS of a deceased person
“The application must be submitted again within 6 months after the person’s death, as we did,” notes Varvara Snegireva. – Otherwise, if you miss the deadline, you will have to first go to court and, based on the court’s decision, formalize the receipt of money. The court will restore the deadline for filing papers.”
Maternity capital can be attached to a woman’s pension at her request. But in such a situation, in the event of the death of a woman, it is confiscated by the state. Not inherited.
Elderly people who recently received a Sberbank pension card proudly talk about the comfort of the service and the absence of the need to wait in line for money.
Banking plastic allows you to:
- use the funds from the moment they are transferred by the Pension Fund;
- withdraw cash from an ATM;
- pay for purchases by presenting a card;
- transfer money between friends and relatives;
- pay housing and communal services, taxes, and other bills by bank transfer;
- receive cash through a bank cash desk;
- use money via the Internet.
Let's take a closer look at how to transfer a pension from mail to a Sberbank card. Where to begin? How to avoid surprises? Is it possible to transfer a pension to a Sberbank card without leaving home?
Registration of receiving a pension from the post office on a card
Payments are delivered by post in cash. The pensioner has the right to receive them into a bank account - deposit (savings book) or card account, access to which is provided by plastic. Having chosen a convenient method, notify the Pension Fund about it.
You must first open an account and receive details. Registration is available before the first payment or after some time.
What is needed for this and how to do it
Here are step-by-step instructions on how to transfer your pension to a Sberbank card.
- Prepare documents for registration:
- passport;
- confirmation of receipt of pension (certificate, certificate);
- SNILS.
- Contact the bank and fill out an application.
- Wait for an SMS notification that the card is ready for issue. The production time varies in different cities, ranging from 2 days to 2 weeks.
- Pick up the plastic at the branch by presenting your passport. Ask the employee to print out the transfer details. They will be on a separate sheet, this is convenient.
- Submit an application to transfer your pension to your account using the details. This can be done while in the region of permanent registration (registration) in any of three ways:
- at Sberbank, upon receiving the card, inform the employee of your intention;
- at the Pension Fund branch;
- through the Multifunctional Center.
You will need a passport, SNILS, and card account details.
Is it possible to re-register without leaving home?
The opportunity is provided by the government services website. If you have a suitable card and your identity is confirmed on the portal, use the remote service:
- in the service catalog, select the pensions section;
- at the bottom of the page click on the link “Payment of insurance pensions...”;
- select delivery;
- fill out the form fields to receive the service.
In practice, obstacles may arise:
- the Pension Fund does not have enough information for remote registration, an employee may call you asking you to appear;
- if there is no identification confirmation on the public services portal, you must apply for it with a passport at the MFC; You can also apply to change the delivery method there.
How to re-register if a pensioner is bedridden or disabled
If the recipient already has the required card and full client access to the government services portal, they should also use the remote service.
It is somewhat more difficult to solve the question of how to transfer a pension to a Sberbank card without a pensioner if the identity is not confirmed on the portal.
You can receive bank plastic and apply for a transfer using a power of attorney, the execution of which requires a personal meeting between a notary and a bedridden pensioner. This procedure at home costs several thousand rubles.
Try combining the re-registration event with others, for example:
- if you need other documents from a notary, complete everything in one meeting;
- If you are considering the possibility of a disabled person visiting the bank in person, apply for a card through the website, after receiving it, he can apply on the spot for delivery of the pension.
The bank rarely asks for additional documents. If this happens, take them without the payee's participation. This is an option on how to get a pension card and transfer payments to it at Sberbank in one visit.
Having a disability, you can be sure that the postman will bring your pension home.
Apply without a pensioner, by power of attorney
Having a notarized power of attorney, you can, without the participation of the recipient in the region of his permanent registration, issue a bank card and documents for receiving payments:
- order Sberbank plastic in a convenient way via the website or in person; when registering through the branch, take with you your and the pensioner’s passports, his SNILS, power of attorney;
- Having received the notification, pick up the finished card using your passports and power of attorney;
- fill out an application to transfer your pension to a Sberbank card upon receipt or by contacting the Pension Fund or MFC.
Pension cards
Until July 1, 2017, it was possible to receive a pension on any card; the social Maestro card was free. It was serviced by the American payment system MasterCard. Due to the difficult political situation, a Russian system had to be developed. In July 2017, the transfer of pensioners to MIR cards began, which will last until mid-2020.
There is no need to specially apply for new plastic; it will be issued at the next replacement when the validity period expires. The transition is voluntary. The right to receive money through the mail or through a savings book is retained.
According to the law, payments from the budget from July 2020 will be made exclusively using Russian payment instruments. These are accounts from which money can be received through the cash register, and.
How to get a pension card
Existing Sberbank clients, upon reaching retirement age, receive an offer to which they can agree in a convenient way, for example, during a personal visit to the bank, through the Sberbank online account, or by phone.
To apply on your own, visit the branch with your passport, SNILS, and a certificate of pension accrual. Fill out the standard application.
Sberbank offers remote application processing. Fill it out on the bank’s website at the bottom of the page with your pension card, follow the suggested procedure:
- passport details;
- place of permanent registration;
- branch where you want to receive the finished card.
If you have questions regarding documents, an employee will contact you and may require an office visit.
Regardless of the method of submitting the application, the bank will inform you of the approximate delivery time for the finished plastic. This takes up to 2 weeks. When it arrives at the issuing office, you will be notified via SMS.
Pick up the card by showing your passport.
Which one to choose?
All pensioners are offered a MIR pension card free of charge. Most are satisfied with her work. Individual citizens require additional functions. You can, at your own expense, apply for another card of the Russian payment system and provide the Pension Fund with its details.
Let's compare the service and capabilities:
| Pension | Classical | Golden | |
|---|---|---|---|
| Cost of 1st year of service, rub. | For free | 750 | 3000; 1500 for promotion when registering from 03/1/18 to 05/31/18 |
| Subsequent | 450 | 3000 | |
| Reissue in case of loss or change of full name, rub. | 30 | 150 | For free |
| Receiving cash from a third-party bank | 1%, minimum 150 rub. at the box office, 100 rubles. at an ATM | ||
| Cash withdrawal limit per month, rub. | 500 thousand | 1.5 million | 3 million |
| Daily receipt limit, rub. | 50 thousand | 150 thousand | 300 thousand |
| Full mobile banking package | 30 | 60 | For free |
| Accrual of bonuses Thank you | Yes | Yes, if you paid over 15 thousand rubles by card in the previous month. – elevated | |
| Calculation of interest on the balance | 3.5% per annum | No | |
Some retirees require plastic with overseas payment options. Visa and MasterCard products can be issued at your own expense, but you will not be able to use them to receive a pension. It is possible to issue a MIR card or a deposit account for payments from the budget; received funds can be transferred to a card account of an international payment system. With online banking it takes a few minutes.
Is it possible to transfer money to a pension card?
Yes. This is a regular bank account linked to a card. “Pension” in its name indicates benefits for a certain segment of the population. The only limitation when using it concerns the limits on cash withdrawal, otherwise its functionality is comparable to the classic MIR.
Is it better to transfer to a savings book or to a card?
Pension plastic offers holders more opportunities and saves time. The bank charges interest on the remaining balance, which is higher than the savings book rate.
It is important to take into account the psychological aspect. The product is young compared to traditional deposits. Not all pensioners, especially older ones, are ready to use it. Some people worry about the safety of their money. They don’t consider it a problem to go to the post office or bank and get money in their hands. Weigh the feasibility of getting a card; the most valuable thing for a pensioner is calm nerves and sound sleep!
Transfer receipts from a savings book to a card
Present your passport at the bank branch, sign a standard application for plastic processing.
You can fill out an application from your home computer on the Sberbank website. Go to the pension card page, enter your passport details.
Wait for an SMS notification that the card is ready for issue, and receive it with your passport at the branch selected when filling out the application.
At the bank office or at the MFC or Pension Fund, fill out an application with a request to transfer payments to a card account, indicate the details. You can ask them from a bank employee or print them yourself if you use Sberbank Online. They are on the map page in the appropriate tab.
Problems with receiving a pension on the card
Difficulties in using plastic usually arise when receiving it for the first time. With experience there are noticeably fewer of them. We list the main ones and their solutions:
| The ATM took the card and did not return it. | Take your passport to the bank, they will give you the money through the cash register, and they will reissue the plastic card for free. |
| Forgot your PIN code. | Try to find the envelope that was given to you along with the card; you are interested in the 4 numbers on the sheet inside. If you haven't found it, you can: order a reissue, cost 30 rubles; receive money at the cash desk using your passport. |
| Lost the card. | Order a new one for 30 rubles, or withdraw money through the cash register. When the validity period expires, the bank will reissue it free of charge. The main thing is to save your PIN code; it does not change during a planned reissue. |
| The ATM or terminal at the cash register does not see the card. | 1. Inserted in the wrong direction. The correct position is face up. First the first letter of the name comes in, then the subsequent ones and all the way. Devices usually have a hint in the form of a schematic picture. 2. The plastic is damaged, order a reissue. In case of technical failure it is free. |
| The wrong PIN code was entered, the card is blocked. | You can withdraw money at the cash desk with your passport. The next day the plastic will be unlocked. You need to remember or find the code. If it is lost forever, you will have to reissue the card for 30 rubles. or go to the branch with your passport for cash. |
| The pension did not arrive. | Read the section below “Why wasn’t it translated?” |
When are payments made?
The pension is transferred to the Sberbank card before the 15th of each month. You can spend or withdraw them partially or completely at any time from the moment of receipt. Find out the exact date of payments from the Pension Fund at the local level. The organization draws up a schedule at its discretion, taking into account workload. A delay of up to 3 days is allowed.
Why didn't they transfer?
A pension not credited to the card is rare. The problem is more common when you first receive it. The reason may be inaccuracies in the preparation of documents. One incorrectly specified character in the details prevents the system from recognizing the recipient.
Minor delays occur during indexing, as well as when the delivery day coincides with a weekend or holiday.
If you have no money for more than a week, you should contact Sberbank and make sure that there are no charges to the plastic card holder’s account. Ask the employee to issue an account statement and print out the details.
Try getting advice from the Pension Fund by phone. If it is impossible to resolve it remotely, please contact us with the details and statement in person. The sender is obliged to find the translation. If it was not sent, they must explain to you what the obstacle is and how to correct the situation.
Is it possible to receive a pension on a card of another bank other than Sberbank?
Yes. The pensioner independently chooses a credit institution. The main condition is an account that is fully serviced without the participation of foreign companies. Currently, only MIR cards meet this requirement.
Sberbank occupies a leading position for several reasons:
- tradition;
- the widest network of ATMs and branches, most citizens have them within walking distance;
- low commissions for non-cash transfer services, often they are absent;
- mass distribution, transfers between individuals have become as accessible as possible, because almost everyone has a mobile Sberbank.
Pension cards are offered by many banks: VTB, Otkritie, Sovcom, B&N Bank, Rosselkhozbank and others. Rate for yourself:
- benefits in the form of interest on the balance;
- address of the nearest branch, ATM;
- service tariffs, commissions for services that you are used to using; this could be transfers, payment of utilities, taxes, etc.
Is it possible to return receiving a pension back to the old ways?
Yes. It is enough to notify the Pension Fund of your desire. Submit your application remotely through State Services or in person at the MFC, Pension Fund or Sberbank. You need a passport and SNILS with you. Re-registration to a savings account will require details.
Pros and cons of the transition
Benefits of a pension card:
- the queue at the ATM is much shorter than at the cash register;
- money can be used without cashing it out;
- the payment is available for use as soon as the Pension Fund transfers it;
- the interest accrued on the balance is higher than on a demand deposit;
- When paying for purchases without cash, bonuses are credited to a separate account. Thank you;
- ease of transfers between relatives and friends;
- the ability to manage your account from a computer at home or from your own phone.
The disadvantages relate mainly to technical issues:
- plastic can be scratched and broken (the chances of tearing a bill are much greater);
- errors during use can make the card temporarily impossible to operate; sometimes a reissue is required;
- cards of the MIR payment system have great restrictions when paying abroad; in most countries they do not work;
- Many online stores do not accept MIR, especially those whose work is closely related to foreign companies.
Conclusion
Attitudes towards bank cards vary. Many people actively use them, others experience difficulties and don’t trust them. Older people often like the fact that the postman brings the money; they don’t want change.
Those who start using plastic rarely give it up. Mastering the service occurs quite quickly. If you have difficulties working with your card, contact Sberbank employees. They will answer any of your questions and, if necessary, show an example on a bank terminal or computer. The service is free.
When retiring, citizens think about the most convenient way to receive support from the state. Many people prefer to choose home delivery, avoiding monthly visits to post offices and banks.
The procedure for payment and delivery of pensions to your home
If a citizen decides to receive his pension at home, then on the appointed day the money will be delivered to him by the postman or courier (depending on the chosen organization).
Important: with this method of receiving money, money may be received later than the designated day, but no later than the end date of the payment period.
Pension payment schedule: what is it and why is it needed?
Pensions are accrued according to the established salary payment schedule. Based on Government Order No. dated November 17, 2014, the benefit payment period, within which a specific date of receipt is established for each recipient, begins on the 3rd day of the current month.
Attention: if the delivery date of pension benefits falls on a weekend or holiday, the benefits may be paid earlier. However, payment cannot be made earlier than 3 days before the due date. Download for viewing and printing:
How is the date for receiving a pension set?
The date of payment of the pension is determined individually for each citizen when it is assigned. To clarify this date, the recipient can contact the territorial office of the Pension Fund of Russia (Pension Fund of Russia) with an identification document.
The day of receipt is set within the payment period, and does not depend on the wishes of the pensioner. This date is not regulated at the legislative level. It is influenced by several factors:
- Number of pensioners;
- Administrative specifics of the region;
- State of the regional budget.
Pension delivery schedule for different regions
Each subject of the Russian Federation has its own pension payment schedule. In order to study the exact delivery schedule, you must contact the Pension Fund branch or the Department of Social Protection of the Population (OSPP) with your passport. You can also clarify the information you are interested in by calling one of the specified structures.
If the payment occurs through Russian Post, the recipient can familiarize themselves with the schedule at the post office. This information should be posted on the notice board.
Methods for delivering pensions to your home
When assigning pension benefits, a citizen has the right to independently choose the most convenient method for delivering benefits. In 2020, the Pension Fund offers 2 options to choose from:
- Post office;
- Credit and financial organization (bank).
Each of these methods has its positive and negative aspects. Before you finally decide on the delivery method, you need to consider each of them in detail.
Via Russian Post
If a citizen decides to receive benefits through Russian Post, he can do this independently by going to the post office or ordering delivery of benefits to his home. If you choose the second delivery option, the postman will deliver the benefit to the recipient’s home on the appointed day.
The advantages of this option are:
- Reliability - Russian Post is a state organization. It cannot suspend its activities due to bankruptcy or other reasons;
- The ability to order home delivery is not always convenient for a pensioner to visit a public health service center. In some cases, it is more convenient for a person to receive the required benefit without leaving home.
The disadvantage of this method is the lack of privileges and additional services offered to bank clients.
Via bank
You can receive your allowance at the cash desk of a financial institution or on a plastic card of a selected organization.
Receiving security through a bank does not allow the recipient to order delivery of benefits to their home.
The main advantage of receiving a pension from a bank is convenience:
- If the recipient opens a card account, he will be able to withdraw cash both at the bank’s cash desk and through an ATM;
- The recipient does not need to wait at home for the postman on the appointed day or go to the post office. Even if he is in another city, he will receive money into his account;
- You can use your money at any time, regardless of the period of receipt;
- Most financial institutions offer their clients services on preferential terms: loans at low interest rates, interest on the account balance or increased cash back.
How to re-register a pension with home delivery
As mentioned above, you can receive a pension at home only through Russian Post. To choose this method, you will need to contact the Pension Fund at your place of residence or the nearest MFC branch with your passport.
Application for pension delivery
In order to transfer your allowance to the post office and receive it at home, you will need to write a corresponding application. The form of such an application is not fixed at the legislative level, but the Pension Fund of Russia has compiled a single sample of this document. The application form can be found on the official website of the Pension Fund or at its territorial branches.
The application will require the following information:
- Full name of the applicant;
- Pension insurance certificate number (SNILS);
- Recipient's nationality;
- Registration and residence address;
- Contact number;
- Passport data;
- Desired method of receipt. If the pensioner plans to receive benefits via mail, then you will need to indicate the number and name of the branch. If you wish to receive your pension at home, you must indicate the applicant’s current residential address.
How to get a pension for a disabled person
If a pensioner has serious health problems that make it impossible for him to receive his pension independently at a branch of the organization, then it would be advisable for him to receive his pension at home.
Under circumstances that make it difficult to receive this method, it is recommended to issue a notarized power of attorney to pay allowances to someone close to you.
Power of attorney to receive pension benefits
You can issue a power of attorney from a notary or the head of the medical institution where the pensioner is staying. To do this, you will need the passport details of the principal and the authorized representative. The power of attorney lists the actions that the authorized person is allowed to perform.
The document must also reflect the period during which the power of attorney is valid. If this item is missing, then by default the document is valid for 1 year.
Is it possible to change the receiving option at State Services?
In order to change the delivery method, it is not necessary to personally visit the Pension Fund or MFC branches. This can be done online using the government services portal.
Help: to use this method, you must have a verified account with State Services.
Algorithm of actions for changing the method of receiving public services:
If the necessary information about the applicant is available to the Pension Fund, the delivery method will be changed from the date indicated in the application.
Attention: if the Pension Fund does not have the necessary information about the recipient, the applicant will receive a notification about the need to visit the territorial office of the pension fund. The notice will also contain information about the documentation that will need to be provided to Pension Fund employees.
Pension delivery is a convenient service that allows you to receive government support without visiting the organizations making the payment. It is especially relevant for residents of small settlements where the banking structure is underdeveloped. You can change the receiving option at any time convenient for the recipient.
Watch a video about how pensions are delivered
January 29, 2019, 15:02 January 7, 2020 02:06Pension legislation is valid throughout our country. Therefore, a pensioner’s change of one address to another within the same region, as well as moving to another subject of the Federation, will not affect the right to receive a pension. This approach does not apply to the amount of the pension benefit, which may, under certain circumstances, decrease or increase.
Is it mandatory or to transfer pension when changing address?
A citizen who has moved to another place of residence and receives a pension or other types of monetary support from the Pension Fund of the Russian Federation must contact its territorial office with an application to request a pension file. This is necessary not only for the sake of maintaining order, but also for the convenience of the pension recipient himself. For example, when moving to the northern regions of our country, a citizen has the right to additional benefits, allowances, and additional payments, but if he does not apply to the Pension Fund with the appropriate application, then the amount of his payments will not change.
Another important argument: today pension certificates are not issued. How can you certify your status as a recipient of a pension or other social benefits? After all, this is also required when applying for various types of loans, to reduce the tax rate, receive additional benefits in social security, etc. For these purposes, a certificate is now used, which states whether the citizen really is a pensioner. Each PFR branch has its own database of pensioners. Therefore, specialists will be able to issue such a certificate only if the pension file is in their department.
Employees of the Pension Fund of the Russian Federation are often asked the question: “Is it necessary to fill out a request for a payment file at a new address of residence if the pension is already coming to a plastic card?” Of course it is necessary. After all, if in the future the pension recipient, for some reason, wants to recalculate the pension accrued to him, he will not be able to do this at his new place of residence: all the information necessary for this is in the payment file.
Not only recalculation, but also some other services under such circumstances will be unavailable to the pensioner.
How a pension is paid when moving, watch the video:
How will the amount of payments change if I change my address?
The amount of cash payments paid will not change, namely: all benefits, allowances for harmful or difficult working conditions, etc. will remain with the pensioner regardless of their registration address. Another thing is the regional coefficient, paid only to those citizens who live in the northern territories: it can be removed or added depending on the place of residence.
If a pensioner has been accrued and paid a “northern” pension, then its amount cannot be reduced when moving to another region.
How to transfer your pension step by step when changing your place of residence?
The picture shows instructions for transferring pensions when moving:
The Pension Fund branch, in the archives of which the payment file is stored, pays the pensioner the security due to him. Therefore, in order to transfer a pension from one city to another and fill out a request for a pension file, you need to submit an application to the branch of the Pension Fund of the Russian Federation that is responsible for servicing the new registration address of the pension recipient. If the pensioner has not yet managed to register there, then the request can be made based on his application indicating the actual address of residence.
How to re-register a pension for a military pensioner when moving? This issue will be dealt with by the military registration and enlistment office at the new place of residence of the pension recipient.
You can submit an application with a list of required documents to the Pension Fund of the Russian Federation by:
- personal appearance;
- by post;
- issuing a power of attorney to represent interests by another person;
- using government services.
Simultaneously with filling out the application for the request, an application for the delivery of the pension will be completed, which will be carried out through:
- Mail. The application itself indicates the place where pension payments will be received: at the post office or at your place of residence (the postman will deliver). The date of the month on which the pension is scheduled to be received is determined in accordance with the delivery schedule. You can get acquainted with it in advance at the post office at your new place of residence. If the pension is transferred to the post office, and the pensioner does not receive it within six months, then its further payment is suspended. To renew it, you will need to write a corresponding application to the branch of the Pension Fund of the Russian Federation at your place of residence.
- Bank. You can transfer pension payments to a bank book (to receive them monthly at the cash desk) or to a card (to withdraw funds from an ATM). From July 1, 2017, pensions are accrued only to Mir cards. If the pension is already accrued to another card, then when its validity period expires, the pensioner will be issued a “Mir” card for receipt. There is no enrollment fee. You can withdraw money at any time after enrollment.
- Another delivery organization. The list of such organizations and the terms of cooperation agreements concluded with them with the Pension Fund of the Russian Federation can be found directly in the territorial branch of the Pension Fund of the Russian Federation. The payment procedure is the same as through the post office.
The following documents are submitted along with the applications:
- passport;
- if available - pension certificate;
- SNILS;
- official papers confirming registration at the new residential address;
- if delivery will be made to a bank card or book - account details.
For a sample certificate of residence, see the picture:
An application to change the delivery organization or delivery method can be submitted at any time by contacting the Pension Fund office in person or remotely through the citizen’s Personal Account, which can be opened on the website of the Pension Fund of the Russian Federation.
Instead of a pensioner who continues to work, his employer can submit an application to the Pension Fund of the Russian Federation. In order for him to have this right, a preliminary application from the pensioner and the name of the director of the organization are required.
On the day the application is received or the next day, an employee of the Pension Fund of the Russian Federation will send a request to the Pension Fund branch at the old address. From there, the pensioner's payment file will arrive at the place of request within 3 business days. And in the next 2 working days, the grounds and correctness of the pension and other payments will be re-checked, and a resolution will be issued to register this case with the continuation of pension or other cash payments.
Total: 6 working days of the maximum period for transferring a pension to another region.
This is by law. In practice, longer delays occur. For example, when submitting an application to a branch of the Pension Fund of the Russian Federation, serving an entire region with a population receiving pensions and other payments of more than 50 thousand people, you should not count on meeting this deadline. Delays may be 2-3 months.
In this case, an active life position will help speed up the process: you need to call the fund’s hotline, personally submit an application addressed to your boss, and find out everywhere the exact deadline for consideration of your application. Of course, for these 2-3 months they will pay in a one-time postal order. However, how can a pensioner live all this time, pay utilities and buy medicine? These questions should be asked both on the hotline and in a statement to the head of the Pension Fund of the Russian Federation.
