Lump sum payment to pensioners

The content of the article

• What is a one-time payment of pension savings
• Who is entitled to a lump sum payment from the funded part of the pension
• How to get a one-time allowance in 2016
• How is the lump sum considered

Under the influence of the not always truthful media, many have heard that all pensioners born in certain years are entitled to a lump-sum social payment. Specialists from the pension fund have denied the statement, noting that only citizens with their savings receive the right to urgent one-time subsidies.

What is a one-time payment of pension savings

If a person has accumulated part of the pension at the time of termination of employment, he can receive a one-time return of these funds. To qualify for such a benefit, you need to apply to a specialist of the organization to which your money was deducted. Certain categories of citizens can become the owner of such a one-time increase with a five-year interval in accordance with the state program of co-financing.

Who is entitled to a lump sum payment from the funded part of the pension

Categories of persons who can receive the funded part of the pension at a time:

1. Citizens of Russia who have become retirees by age, but who have not overcome the required length of service or the coefficient that is required for calculating old-age insurance benefits. These persons receive disability, survivor or state pension benefits..
2. People who have not yet applied for a pension, their accumulated money was not included in the total amount. In this case, to receive a one-time subsidy, it is necessary that the share of the accumulated part in the entire estimated monthly payment amount be less than 5%. If a funded pension has been previously established, a person cannot apply for a one-time grant.

How to get a one-time allowance in 2016

To receive lump-sum payments to pensioners, you need to contact the state or non-state pension fund, where the accumulations came while labor activity was carried out. For their return, it is necessary to provide the employee with the following documents:

• passport of a citizen of the Russian Federation with copies of pages that confirm the identity, age and place of residence;
• certificate of compulsory pension insurance;
• a certificate, which reflects on what basis you receive a pension and in what amount;
• bank details for which payment will be received.

Having collected a package of papers, you should follow the instructions:

1. When contacting the PF employee to whom you are assigned, carefully and legibly fill out the application form of the established form for a refund, attach the collected documents to it. If you can pre-call the organization by phone, you will be assigned a time so that you do not have to take a long queue.
2. Over the course of a one-day period, fund employees must carefully verify the papers you submit for authenticity..
3. Then a decision will be made on the consent or refusal to transfer the increase to you. The return of securities occurs in several cases:

• if one of the documents is missing;
• when the information in the application and supporting papers do not coincide on any point;
• if the specialist cannot read the request you wrote by hand, or it will contain grammatical errors.

Some nuances:

1. If your request is satisfied, the money will be transferred to the indicated bank account 2 months after considering the application.
2. When you receive a refusal to provide subsidies, you can appeal such a decision at a court hearing.
3. All necessary papers are allowed to be sent by registered letter to the address of the Pension Fund through the postal operator. However, in this case, the documents must first be assigned to a notary for certification.
4. After the death of a pensioner, on whose account there are accumulated funds, heirs claim for them. Assignees include: spouse, children and parents or persons on whom the will was made.

How is the lump sum considered

If you want to claim a one-time refund, you need to make sure that the accumulated part is less than 5% of the total amount of money accrued monthly. The amount of funds paid for this period is calculated from the expected duration of the transfer of money. By law, it is 234 months. It is necessary to divide the entire amount by this number. Then count how much money you will receive, taking into account the funded part. Divide the amount paid from the savings each month by the amount received by the previous action, multiply by 100.

Calculation example:

For example, your insurance benefit is 6,000 rubles, and you have accumulated 150,000 over the period of your employment. You need to make the following calculations:

1. The amount of deductions per month from the accumulated amount: 150,000 / 234 = 641 rubles.
2. Percentage: 641 / (6000 + 641) * 100 = 9.7%.
3. Result: one-time payment to pensioners is not supposed to be for you..

Not all categories of citizens are entitled to a lump sum payment to pensioners. It is carried out only from the amount of money allocated to the pension fund during a person’s labor activity. You can find out if you belong to those who are allowed to apply for a one-time gain from the savings after retirement from the video below or in the PF, where you are served.