How to get a cumulative pension

In 2014, a moratorium on the accumulative part of the pension was introduced. All insurance premiums were transferred to the insurance part. What changes occurred by 2016 how the accumulative pension is calculated and paid.

1

What is the accumulative part of the pension. How it is formed

The accumulative part of the pension is 6% of your wages that your employer deals with the Pension Fund. In general, 22% is listed in the pension fund, but 16% of them goes to the insurance part of the pension.
You have the right all 100% of your deductions to send to the insurance part in the FIU. If you have made the decision pension contributions to divide into the cumulative and insurance part, you can distribute the accumulative part into any NPF. However, the system with a cumulative pension is more risky. There is a risk that investing cumulative contributions will be unprofitable, and therefore payments will not produce, or will be minimal. In addition, many banking structures are deprived of licenses. And if your NPF has a license to be withdrawn, then you may encounter a number of payments. NPF promise to insure your pension savings. How it will be in practice in the future, will be visible after a number of years.

2

How the accumulative pension is calculated

The formula for calculating the cumulative part of the pension is calculated as follows:

Np \u003d nn / t;

Where, NP is a storage pension; PN is the total amount of pension savings registered and in a separate paragraph of the individual facial account of the Insured person; T - the number of months, during which the accumulative part will be paid.

3

How to get a cumulative part of the pension

Since 2016, a new payout formation system has begun.
Pensioner the right to determine the payment system in three versions:

• Funded part leave the FIU.
• Translate funded part in the APF under a more attractive interest rate.
• All pension calculations determine the insurance part in the FIU.

When it was time to receive a pension from the state, you need to come to the pension fund at the place of residence and provide your passport, SNILS, workbook. Further, the Pension Fund employee will give an application for filling. You will need to bring all the documents within three months that the employee of the organization will list you. They may include:

• extracts from personal accounts;
• marriage statement;
• innovation of the birth of children;
• documents on the recognition of disability;
• documents about finding dependents on citizen and many others.

Once all documents are collected during the required time, then within 10 days they will be processed. And the pension will be accrued from the date of submission of the application.

Currently, the payment of pensions is carried out by citizens who have reached the retirement age and worked at least 6 years.

According to FZ No. 360 "On the procedure for financing payments at the expense of pension savings", the accumulative pension can be paid at least in 168 months. In the event of the death of a pensioner, its accumulative part is paid to the law enforcements.

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Sample fill in a storage pension

In order to get the accumulative part of the pension, you need to achieve relevant age and contact the Pension Fund with a statement. Now the state permits in advance to start collecting documents.