Is maternity capital required for the birth of a third child? Who can receive and how to use the amount received?

When a third child appears in a family, the family automatically becomes large, if the older children are not yet adults. In 2021, the president announced that many payments for families with children will increase, and new ones will appear. Such parents are entitled to special payments and benefits, which we will discuss below.

Basic payments

Let's start with those one-time federal benefits that have been in effect for a long time.
Basic payments for children

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There are also regional payments or other assistance for a third child, but their size greatly depends on the orders of the authorities in each specific region.

In addition to one-time federal benefits, children also receive monthly benefits.
Monthly benefits for children

How much is the BiR benefit paid for a third child to employed parents?

While expecting a third child, a working mother, on the basis of a certificate of incapacity for work, must receive a B&R benefit from her employer. It is issued once, usually when going on maternity leave.

This benefit is calculated on the basis of wages and other payments in favor of the employee (we will denote briefly - salary), on which contributions for insurance in case of temporary disability and in connection with maternity (VNiM) were calculated for the previous two calendar years. Calculation of the B&R benefit in 2021 is carried out as follows:

Allowance for BiR 2021 = ((salary 2021 + salary 2019) / 731) × 140 days.

The legislation defines the lower and upper limits of this type of benefit.

The minimum is associated with the calculation of benefits based on the minimum wage (minimum wage):

BIR allowance min. = ((minimum wage × 24) / 730) × 140 days.

The minimum wage is set to the value in which it was fixed by regulations at the beginning of maternity leave.

The maximum benefit is calculated based on the limits for contributions to VNiM. For 2021, this limit was 912 thousand, for 2021 - 865 thousand rubles. Thus, the maximum for BiR in 2021 will be equal to 340,795 rubles.

In the calculation formula, the number of days is equal to 140 - this is the duration of leave according to the BiR, but sometimes this number can be greater, for example, during a multiple pregnancy. This will definitely be taken into account in the certificate of incapacity for work.

You will find ready-made instructions for receiving maternity benefits in ConsultantPlus. Get trial access to the system for free and go to the Ready-made solution.

Benefit for a third child for unemployed citizens

If the third baby appears in a family where the parents do not officially work, are lawyers, individual entrepreneurs or self-employed, then they will receive all benefits through the social protection authorities.

What benefits can be applied for:

• One-time benefit for registration in the early stages of pregnancy. The same 708.23 rubles. The benefit is not dependent on employment.
• One-time benefit in the amount of 18,886.32 rubles. It is paid in Russia for every child born, regardless of whether the parents have a job.
• BiR. It is paid in a specific amount - 708.23 rubles per month.
• Child care allowance up to 1.5 years old. The minimum amount established by law will be charged monthly. In 2021 it is 7,082.85 rubles. This amount will be received by the unemployed, individual entrepreneurs, lawyers and other people who are engaged in private practice. If at the time of the birth of the third child the second is less than 1.5 years old, then the benefits are added up, but it cannot exceed 14,165.70 rubles.

What tax breaks are available for families with three children?

As for tax benefits at the federal level for parents with many children, they are not provided as such. Tax breaks are associated with payments for children, regardless of how they were born into the family. Thus, all benefits related to the course of pregnancy, the birth of babies, and their care are completely exempt from personal income tax and insurance premiums for compulsory insurance.

IMPORTANT! From benefits for temporary disability that are not related to procreation and raising children, income tax is withheld by the tax agent in full and transferred to the budget. Find details here.

In addition, the amount of financial assistance given to the parent(s) by the employer at his own request and available capabilities, in the amount of up to 50 thousand rubles, is also not subject to personal income tax. for one child.

Regional and local regulations may establish tax benefits for transport tax and property tax for families where three or more children were born.

Additional benefits for low-income families

If a family has an average per capita income below the subsistence level, then a monthly cash payment of 867.00 rubles is due for each child under 2 years of age.

For nutritious meals in a low-income family, funds are also allocated for a child from 1 to 3 years old in the amount of 1,146 rubles.

Another benefit for low-income families (where the income per person is below the subsistence level) is 436 rubles for a full family or 872 rubles if all the children are raised by a single mother.

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Also, a family with three children has the right (in most regions) to compensation for kindergarten fees in the amount of 50% for the second and 70% for the third and subsequent children.

How can you improve your living conditions with the help of maternal capital?

• You can apply to purchase a home using credit funds. Starting this year, this can be done directly in the bank. The bank itself will contact the Pension Fund and confirm your eligibility without your participation.

• Matkapital can be used for the reconstruction and construction of a house with the help of a construction organization or on your own.

• You can apply for compensation for the costs of building an existing home.

Is it possible to get maternity capital for 3 children?

The Pension Fund reports that any family can receive maternity capital for a third child in the amount of 639,431.83 rubles if there was no previous right to this measure of state support.

What does this mean: a family can receive such maternity capital if it has not yet applied for such assistance. In this case, the family can submit documents and receive maternity capital for the third child.

When can you get 450,000 rubles for a third child?

Another separate support measure that families with a third child are entitled to. The state allocates 450,000 rubles to pay off the mortgage if maternity capital has already been received by the family and spent.

If the mortgage balance is less than 450,000 rubles, then this certificate can be used to cover the balance, but the rest of the money will be burned. They will not be saved and cannot be reused.

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What kind of assistance from the state at the federal level can parents of a third child expect?

In order to raise a child, and especially a third one, huge expenses are required.
Our state has provided for this moment and, in order to simplify the life of parents with many children, has established various types of benefits and allowances. One of the most important benefits for a large family is the opportunity to receive a plot of land from the state. This plot can be registered as the property of all children without exception, as well as their parents.

In addition, the government periodically develops and improves measures to provide state support in expanding the living space of young parents. Help here usually comes in the form of lowering mortgage rates for large families. For example, from January 1, 2018 to December 31, 2022, Russia has a federal program of preferential mortgage lending with government subsidies at a rate of over 6%.

Parents of the third child can apply for maternity capital if this did not happen after the birth of the second child. Maternity capital, unfortunately, is not issued in one lump sum; it can only be used for purposes approved by the state.

Another important feature for mothers who have given birth to three children or more, in light of the reform of the pension system, is that they will be able to retire a little earlier than mothers of one or two children or childless women.

We will talk about all possible benefits provided for families where a third child was born in the next section.

How to apply

To apply for all benefits, you need to contact the social security authorities or the MFC in person with the relevant papers.

What papers may be required:

• passport of the applicant (mother);
• father's passport (for some applications);
• birth certificates of each child;
• for some applications - SNILS of children and parents;
• certificate of income of the parents (if the mother is on maternity leave, then only the father);
• a certificate from the second parent’s place of work stating that he did not receive this benefit (especially for a one-time benefit for the birth of children).

What other payments are there?

There are almost always some other regional payments. For example, in Moscow and the Rostov region, regional capital is allocated for the birth of a third child, and in St. Petersburg they give out an amount equal to several minimum wages.

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What exactly the authorities are doing for large families can be found out directly from the MFC or social protection authorities.

What regional benefits and benefits exist for families where a third child was born?

Not only at the federal, but also at the regional and local levels, various measures are being established to assist families with the birth of a third child. Let's list the benefits for the birth of a 3rd child in 2021:

• priority right to receive places in kindergartens;
• the opportunity to take advantage of subsidies for utility services or return funds paid for housing and communal services through social security;
• receiving free meals in schools and secondary vocational education institutions;
• the opportunity to receive free medications for children under 6 years of age;
• issuing free travel documents for minors.

Citizens need to carefully study regional and local legislation so as not to miss important points in applying for benefits.

What payments are due to families for the 3rd child in Moscow, read in ConsultantPlus. If you do not have access to the K+ system, get a trial online access for free.