How to check pension savings according to SNILS online?

If until 2013 the pension fund notified each citizen in writing about his savings, now people have to obtain information about their personal account on their own. The matter is further complicated by the fact that many Russians transferred their savings part to a commercial fund, but over time they forgot which one. In addition, there are often cases when employers, without the knowledge of employees, transfer them to other PFs. In this regard, many insured persons do not know where exactly the funds are stored. How to find out your pension fund?

What is taken into account when calculating

The amount of pension payments is calculated based on the following factors:

1. The amount of official income. This information is provided by the employer. You won't be able to get them online through any website. Unless the employee receives information about his salary in the form of an extract, for example, by email.
2. Length of work experience. This information is taken from the work record book.
3. Number and duration of insurance periods. This is the time when a citizen did not work for good reasons.
4. The age when a citizen retires and ends his working career.

Based on this information, points and pension coefficients are awarded, which are then used to calculate pension payments to Russians.

How to find out your NPF at the bank

The main partner companies for compulsory pension insurance are Gazprombank, Sberbank, Bank of Moscow, Uralsib. You will need to contact each of these banks. It can be done:

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1. Personally, by visiting the branch.
2. By email.

Banks will provide information based on the insurance certificate and passport.

Indexation and calculation of pension payments

You can calculate the amount of payments yourself, or you can get the data on the Pension Fund website or the State Services portal. If incorrect pension information is identified, you can submit an application to the employer to provide documents on income received and deductions made from them.

You can use your personal account on the Pension Fund website since 2015. The website contains information about pension savings; you can also specify the method of calculation and type of social security. payments for:

1. Old age.
2. Disability.
3. Loss of a breadwinner in a family.

Every year while a citizen works, he is awarded points. When it comes time to calculate the social payments, add up all the points for years of legal work. The document used to confirm official employment is a work book. Depending on the information that employers provide to the fund, the system calculates the most accurate number of points.

The danger of checking a pension fund via the Internet

Many sites offer to quickly find out your NPF using SNILS or passport data. They ask you to enter document details, which they can later use for their own purposes.

Another type of fraud is charging for a service. The site prompts you to log in and asks you to send an SMS to the number. As a result, money is debited from the account.

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Under no circumstances should you trust such online resources. The only sites where you can safely, freely and guaranteed find out about your pension are State Services and the official website of the Pension Fund.

Information on calculating pensions online

The PF portal contains information about the official salary and length of service of employees. You can track the duration of work for any working period, as well as non-insurance periods of time: parental leave, army, periods of incapacity.

Obtaining information about pension accruals through the website is the most convenient way. When registering, a notification will be sent to your email or mobile phone number. After that, on the state website. services you will need to enter personal information and provide passport and SNILS data.

An important parameter when calculating a pension is the number of points earned. You can find out their number in several ways:

• on the State Services portal;
• in a branch of the Pension Fund during a personal visit;
• in the personal account on the Pension Fund website.

When calculating points, you may encounter an incorrect number of points or a short work history. The Pension Fund receives information from employers, so inaccuracies are associated only with deliberate misrepresentation of facts, fraud or erroneous data entry. In these cases, fund employees recommend checking information about the length of service with your boss.

If you need to obtain data for a certain working period, you will need to write a free-form application, send it by mail to your manager or hand it in person. The application must indicate the contacts where the employer should send the information. According to the law, within 3 days the boss must send copies of documentation of work activity with all data on vacations, dismissals, and income certificates. The employer must stamp the copy. There is no need to pay for preparing and submitting papers.

If the company where you worked for a certain period no longer exists, you can contact a higher organization or request documents in the archives. When the necessary papers have been collected, contact the Pension Fund office to verify the data.

You can also send a request to the fund to clarify data on your work activity online. This method will save time and you won’t have to wait long in line.

Find out the pension amount on the PF website

To find information about pension contributions on the Pension Fund website:

1. Open the official website of the foundation.
2. Log in to your account. To do this, enter the phone number you specified during registration, SNILS number or email and password.
3. On the menu .
4. Fill out an application for data provision.

The received documents can be printed. But if you send data electronically, then this is not necessary. To prevent data from getting lost, it is advisable to keep a copy of the electronic version of the documents and one copy on paper.

Find out the amount of payments at the fund branch

To find out information about old-age pension payments at the institution’s branch:

• contact the Pension Fund branch with all the necessary documents;
• fill out the application for data provision.

The data will be prepared in the form of a certificate. It will indicate the duration of the work periods and the points earned.

Calculation of pension data through the state website. services

On the government services website, fill out the calculation form:

1. Please indicate your gender and age. Those citizens who were born before 1967 cannot choose what to allocate funds to: the insurance part or the savings part. Those born after 1967 can do both. This gives 10 and 6.25 points annually, respectively.
2. Enter information about your military service. For each year of service, 1.8 points are awarded. This period is added to the total working period.
3. Indicate the number of children and the duration of parental leave. For children, 1.5 years are added to the length of service. Number of pension points for children:

1. Enter the deadline for applying for pension payments. The later Russians apply for pension accrual, the more pension points they can accumulate.
2. Enter information about the expected length of work experience.
3. Indicate the official amount of income excluding personal income tax.
4. Click "Calculate".

The exact amount of the pension is not indicated on the portal, but along with data on insurance and savings contributions, an algorithm for calculating the pension will be shown.

Who can receive information

Information about the HUD is confidential, so unauthorized persons cannot obtain it. Information is requested exclusively by the account owner or a legal representative holding a notarized power of attorney. If a person is incapacitated, then his interests are represented by a guardian or trustee.

To obtain information about the account status, a special statement is requested. To obtain it, different methods are used:

• sending an application by mail;
• personal application to the MFC or PF branch;
• through the State Services portal if you have an identified account;
• using the PF website.

Attention! If a citizen decides to personally come to the PF office, then he can choose any unit, regardless of his place of registration.

Formula for calculating pension

The formula for calculating the old-age pension in 2021 looks like this:

SPS = FV * PK1 + IPKobshch * SPB * PK2 + NChP.

The cost of a point for pension payments is indexed every calendar year by the inflation factor approved by the government of the Russian Federation. In 2021, 1 point equals 87.24 rubles. Fixed payments also change annually. From January 1, 2021, the standard minimum payment is RUB 5,334.19. The fixed payment also depends on the category to which the citizen belongs. If this is a preferential category, for example, disabled people of groups 1 and 2, then the fixed payment will be higher.

The IPC was calculated in different ways in different periods. According to the new law, it is necessary to separate these periods and determine the overall score.

If all the parameters are known, then using the formula you can calculate the amount of the old-age pension yourself.

Social pensions

If a citizen does not have time to accumulate the required length of work experience in order to receive an insurance pension, he is assigned a social pension. Social pensions begin to accrue to Russians 5 years later than insurance ones. Therefore, a working and non-working citizen of the same year of birth will receive government payments at different ages.

Indexation also occurs annually, but from April 1, and not in January. In 2021, the average amount of social payments is 9 thousand rubles. In each region, the figure may vary due to different premiums and increasing factors. Social additional payments are made if the amount of material support does not reach the subsistence level established in a given federal district.

Example of pension calculation

Conditions for an example of calculating pension payments:

1. A man who was born in 1958. The retirement date is 2019.
2. Work experience is 37 years. Of these, the army from 1976 to 1978, education from 1978 to 1983, work in several periods: 1983-1992, 1996-2009, 2010-2021.
3. Income data: from 1985 to 1989, salary certificate for 60 months - 286 rubles, from 1996 to 2001, salary certificate for 60 months - 1,425.25 rubles. the average salary for 2000-2001 was 1,752.14 rubles.
4. Insurance payments. 2002-2014 - 422,584.8 rubles. 2015 - 135,960 rubles. 2021 — 135,960 rub. 2021 — 135,960 rub. 2021 — 135,960 rub.

Calculation example:

1. Seniority coefficient. Option 1 - 0.55 for up to 25 years of experience. Option 2 - 0.55+(26-25)*0.1=0.56.
2. Average income to the average for the Russian Federation. Method 1 - 286/223.18=1.28. Method 2 - 1425.25/945.15=1.51. We take into account the indicator 1.2.
3. Estimated pension. Option 1 - 0.55*1.2*1671=1102.86. Option 2 - 0.56*1752.14=981.20. Method 1 is more profitable, since the second method only takes into account 555 rubles.
4. Pension capital until 2001. (1102.86-450)*144=94011.84
5. Valorization amount according to the most suitable option. 94011.84*(0.1+0.16)= 24443.08.
6. Total capital and valorization amount until 2001. 94011.84+24443.08=118454.92.

Calculation features

Only old-age pensions are calculated in this way. For other payments, different coefficients are used. In this case, increasing coefficients were not taken into account:

1. When retiring a year later, the fixed amount becomes higher by 5.6%, by 2 years - by 12%, by 3 years - by 19%. Retirement 10 years later - 111%.
2. The cost of points when deferred for 1 year increases by 7%, 2 years - by 15%, 3 years - 24%, 10 years - 132%.

Recommendations for those retiring:

1. Collect all certificates of confirmation of work, change of company name before 2002.
2. Select the most profitable 60 months for reference until 2002.
3. Check with the Pension Fund for the list of required documentation at least 9 months before retirement.
4. Collect certificates confirming your studies as work experience.

Be sure to pay insurance premiums based on your income, since without them pension points will not be calculated.

about the author

Klavdiya Treskova - higher education with qualification “Economist”, with specializations “Economics and Management” and “Computer Technologies” at PSU. She worked in a bank in positions from operator to acting. Head of the Department for servicing private and corporate clients. Every year she successfully passed certifications, education and training in banking services. Total work experience in the bank is more than 15 years. [email protected]

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Comments: 4

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Author of the article: Klavdiya Treskova

Consultant, author Popovich Anna

Financial author Olga Pikhotskaya

1. Anonymous
   09.13.2021 at 23:25 Hello, 35 years of experience from 1969 to 2004 continuous A Information about the status of the individual personal account of the insured person is indicated The value of the individual pension coefficient (hereinafter referred to as IPC) 0.000 including the amount of the fixed payment to the insurance pension (with taking into account increases in fixed payment): 6,044 rubles.
   48 kopecks. Amount of insurance pension. They don’t recalculate, help me figure it out Reply ↓
2. Igor
   08/10/2021 at 00:00

   hello..explain the situation if you can..I retired at 52 years old (working in hazardous conditions), and I have 34 years of insurance experience..and the length of service taken into account for granting a pension was 26 years..I served in the police from 1995 to 2010.. the time from 2002 to 2010 (8 years) was not included in the deadline for assigning a pension..

   Reply ↓
   Anna Popovich
   08/10/2021 at 22:49

   Dear Igor, for military service a military pension is formed, for which the length of service in a certified position is taken into account. It is not included in the total length of service.

   Reply ↓

If the employer does not make transfers

If it is established that the employer does not make contributions to the Pension Fund, the employee has the right to go to court in order to oblige him to pay the existing arrears. To do this, the following documents must be attached to the claim:

1. passport;
2. SNILS;
3. a copy of the work book;
4. Statement of the pension account;
5. payslips;
6. employment contract.

Reference! Both the employee himself and a third party who has a notarized power of attorney for this purpose have the right to conduct business in court.

Checking the deductions of funds to the Pension Fund for employees requires careful monitoring on the part of the employee himself, since many organizations perform their respective duties in bad faith. There are many means for this. If the fact of absence of transfers has been established, the employee should go to court.