How to receive compensation for a funeral from Sberbank? What important nuances need to be taken into account?

The legislation of the Russian Federation provides for a whole list of benefits provided to certain categories of the population. These include the payment by the Security Council of the Russian Federation of benefits for funeral events. Funeral compensation from Sberbank in 2021 is provided to the legal heirs of the deceased depositor or to the person paying for the funeral procedure. The benefit is provided exclusively by the Savings Bank, and financing is provided from federal budget funds. Let us consider in detail where it is issued and to whom it is provided.

When is the benefit not provided?

Benefits are provided only for deposits that were issued within a certain time period (before June 20, 1991). This is due to the fact that the payments are in the nature of reimbursement of money depreciated during this period (hence the name “compensatory”, since they are considered public internal debt). No compensation is provided for all other deposits.

The money will also not be paid if the account was closed between June 20 and December 31, 1991. You are not allowed to receive benefits twice .
This is only a one-time payment.

Additional compensation

Along with the benefit, the heirs have the right to receive compensation for the lost contributions of the testator. In this case, the rules of inheritance law apply. Reimbursement of lost deposits is a financial asset of the deceased and is inherited as part of the total estate.

The size of the payment depends on several factors:

• account balance as of June 20, 1991;
• account closure deadline;
• date of birth of the heir.

When calculating the amount of additional payment, the date of birth of the deceased testator does not matter. However, another important condition appears - both the deceased and the heir must be citizens of the Russian Federation. The date of birth of the heir is also taken into account.

The general formula for calculating the amount of compensation is as follows:

S = (Q x K x T) – R

Where:

Who can get it?

The heirs of the investor and third parties who have already paid funeral expenses before the expiration of six months from the date of opening of the inheritance have the right to receive payment. The procedure for receiving payments and their amounts in both cases is almost the same, the only difference is in the list of documents provided.

Children of the depositor, as well as grandchildren of the heirs, can also receive compensation for the deposit (not to be confused with a funeral benefit). For example, if a grandfather had a deposit in the Savings Bank, and the children did not receive compensation, then the grandchildren can apply with an application and a document confirming the inheritance right to the relative’s deposits (for example, a certificate of inheritance). When living in another city, money can be transferred to an account, but only after submitting an application and a package of documents to it.

We talked about who can qualify for funeral payments in various authorities in a separate article.

Features of the program

The obligation to save deposits of USSR citizens in Sberbank that burned after 1991 is established by Federal Law No. 73-FZ. The specific procedure for paying compensation to investors and their heirs is regulated by Government Decree No. 1092, which approved the “Rules of Compensation.”

The funeral benefit is paid to the relatives of the deceased who had an open deposit in Sberbank as of June 20, 1991 and passed away between 2001 and 2021. Funds can also be paid to other individuals who paid for the funeral services of the deceased.

The social status of the deceased does not matter - he may be a pensioner or of working age at the time of death. However, there is a formal age limit - the deceased could not have been born later than 1991, since the balances on personal accounts opened with the USSR Savings Bank for that year are compensated.

Also, in accordance with the Civil Code of the Russian Federation, heirs are entitled to additional compensation if the deceased had an open deposit during the specified period and did not receive full compensation for its loss. In this case, monetary compensation is included in the general asset of the hereditary estate and is inherited in accordance with the provisions of Section V of the Civil Code of the Russian Federation.

How to get money for funeral services from the savings book of a deceased pensioner?

To receive benefits, you need to contact Sberbank at the place where deposits are kept . In other words, to the branch where the agreement with the bank was once drawn up. You will need to take documents with you so that a Sberbank employee can identify the applicant’s identity and find out on the spot whether he is entitled to receive a compensation payment.

To receive money, an heir who is a citizen of the Russian Federation must:

1. Fill out an application at Sberbank to receive benefits.
2. Attach to the application: a copy of the passport, death certificate, inheritance certificate, passbook of the deceased.
3. Calculate the amount of payments together with a bank employee and receive the funds.

The procedure for receiving benefits is not at all complicated, but there are some nuances depending on the type of applicant. If the deceased investor was a foreign citizen, then compensation, for example, is not paid at all.

But foreign heirs have the right to funeral benefits, just like stateless persons. To receive money, you need to contact the branch where the deposit was opened with an application and the same package of documents as described above. The only exception: instead of a passport of a citizen of the Russian Federation, you must present a passport of another country or a certificate stating that you are a stateless person.

In order to receive money for burial to third parties (not heirs) it is necessary:

1. Fill out an application at Sberbank.
2. Attach to the application: a notary's decree on reimbursement of funeral expenses, a passport and a death certificate.
3. Get money.

The period for payment of benefits is approximately 1-10 days . The citizenship of the deceased can additionally be confirmed by a certificate from the housing department, an extract from the house register about registration in an apartment or house. The deadlines do not depend on the citizenship of the heir or an outsider, but the bank has the right to request additional documents if it believes that an incomplete set has been submitted and the person has not proven his right to receive payment.

Heirs with dual citizenship may also qualify to receive money to pay for funeral services.

From our separate publications on the topic of funeral benefits, you can find out:

• What is the amount of social assistance, and where and how to get it?
• Payment processing rules.
• The nuances of taxation of such assistance.

What to do if the deceased investor did not leave a will

Many people believe that compensation from Sberbank for funerals is due only to the heirs of the deceased depositor. In practice, things are different. If a will was not drawn up, and a relative who does not claim the inheritance took upon himself the organization of the funeral, he, like the heirs of the first priority, is due a cash payment. To claim it:

• collect checks and receipts confirming expenses;
• have them certified by a notary;
• submit an application at the nearest Sberbank branch.

This rule only applies to relatives of the deceased. The amount of payment to the applicant is withheld from the total amount of compensation.

Nuances when registering with and without a will

If the deposit was not bequeathed to anyone, then the heirs by law can also apply to Sberbank to receive benefits. The absence of a will is not a reason for refusing to pay money.

Must be presented:

• application and passport;
• certificate of inheritance, death;
• savings account (if you have one);
• document confirming the depositor's citizenship.

If a testamentary disposition was drawn up at the bank, then the heirs also have the right to receive money . To do this, you need to submit the documents described above.

If the deposit was bequeathed by a notary, then the heirs need to present the same list of papers that we indicated above, plus a certificate of the right to inheritance under a will.

Package of documents for obtaining benefits

The heir of a deceased bank depositor has the right to count on a compensation payment if he is presented with the necessary set of documents:

• Personal passport of a citizen of the Russian Federation;
• Death certificate of the owner of the deposit;
• A notarized will or other document proving the right to inherit the deposit or confirming the costs of the funeral and financing of related funeral services.

You can draw up documents at the Sberbank office, whose employees also issue money.

Fixed amount of 6,000 rubles. and coefficients for calculating the amount

The benefit amount is also calculated based on the size of the deposit. Two and three times compensation is possible for those born before 1991. Accordingly, coefficients from 1 to 15 are applied, but the full amount of payment is limited by law to the amount of 6 thousand rubles.

Money is paid in the amount:

• 6 thousand rubles, if the deposit was no more than 400 rubles;
• the full amount of the deposit, multiplied by a factor of 15, if the amount of deposits is less than 400 rubles.

The amount of increased compensation depends on the age of the heir, the period of storage of the deposit and its status (closed or open), the inheritance share and the amount of previously paid benefits (if payments were made).

Payment amounts

The amount of financial compensation never offsets the funeral costs. It is intended to ease the financial burden of recently bereaved people, but does not completely remove it. The law states that:

• if the deceased’s contribution is 400 rubles. (based on the nominal value of the Russian currency in 1991) or exceeds this amount, compensation for funeral services - 6,000 rubles.
• if the deposit size is less than 400 rubles. (based on the nominal value of money in 1991), the payment amount is determined by the formula: deposit amount * 15 (but not more than 6 thousand rubles).

However, in reality, the amount of payments is determined individually, since it depends on:

1. Real funeral costs.
2. Documents that the applicant was able to provide.
3. The validity of the requirement. So, if a person is recognized as an unworthy heir, the payment will be denied.

The maximum possible compensation for funeral services is 6 thousand rubles. However, most people are paid 3-4 thousand.

Irina Bolshakova

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Calculation examples

Example 1 . If there were 1.5 thousand rubles in the account, then compensation was due in the amount of three times the account balance as of June 20, 1991 (if the depositor was born before 1945). The coefficient for the current deposit is 1.

The total is: 1.5 thousand rubles. * 1 * 3 = 4.5 thousand rubles.

Example 2 . If the depositor died in 2021, and there were 2 thousand rubles left in his bank account, then the only heir receives the standard amount - 6 thousand rubles.

The amount of payments is calculated based on the nominal value of Soviet rubles (for deposits opened before 1991).

Who is entitled to a funeral payment from Sberbank?

The highest priority category of citizens, for whose funeral funds are primarily allocated, are people of retirement age. As a rule, we are talking about those who kept deposits that were valid at the time of 1991 - June.

Note 1.

Payments due for organizing the funeral of Sberbank depositors are determined not by the financial institution, but by the state.

How much is paid for the funeral of a pensioner? The exact amount (TS) of money due to an individual depends on how much was in his account on May 20, 1991:

1. If less than 400 rubles, the vehicle should be multiplied by 15. That is. if at the time of the specified date there are 200 rubles in the savings book, the state will allocate 200 * 15 = 3,000 rubles for the funeral.
2. If it is more than 400 rubles, you will not have to make any multiplications. An allowance of 6,000 rubles is provided for ritual events. (after death).

The amount of compensation is officially calculated based on the nominal price of banknotes in Soviet times (before 1991).

Note 2.

The payment made by the state to ensure the funeral does not depend on the fact that the deceased received or did not receive compensation during his lifetime.

Important! It is interesting that if a citizen has several deposits in different banking divisions, he receives money from only one of them.

You can read more about all the circumstances of the issue under consideration on the official page on the Sberbank website here.

When can they refuse and why?

1. They are refused only if the applicant has not provided a complete package of documents or if the deposit was made after June 20, 1991.
2. If it is determined that the applicant is not eligible to receive benefits, he will be denied. For a closed deposit, outsiders who are not included in the circle of heirs or persons who paid for the funeral can receive benefits only on the basis of a power of attorney certified by a notary.
3. There will be a refusal even if the heirs have already applied for compensation. They will not pay the money even if the payments are not provided for in the federal budget (they are still provided for until the beginning of 2021, but beyond that is still unknown).
4. If desired, heirs or other persons may request the refusal in writing and appeal it in court.

Important! If the investor was buried at the expense of the state, then it will not be possible to receive compensation for the funeral. All this information is clarified at the bank, without the participation of the applicant himself.

The amount of compensation for funeral expenses at Sberbank depends on the balance of deposits as of June 20, 1991, but cannot exceed 6 thousand rubles. To receive money, you need to contact the bank with an application and a package of documents . This can be done not only by heirs, but also by strangers who paid for funeral services.

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Where to go to receive benefits

It depends on which category the deceased belonged to.

Important! Compensation must be received no later than six months from the date of death.

Disposal of property

There are 3 ways to inherit money from a deposit: by law, by will or testamentary disposition. The investor can draw up a will and make whoever he wants as an heir. If there is no will or testamentary disposition, the right to receive money is determined by law:

1. Close relatives are first in line: children, spouses, parents.
2. If they are not there, then the right passes to the second-order heirs: brothers, sisters, grandparents.
3. In the Russian Federation, heirs up to the eighth stage are registered; this category includes disabled dependents.
4. If there are no heirs in any of the queues, the money on the deposit goes to the state.

It is important to take into account that the will is more important than the legislative order. Any relative can be included in a will, regardless of the degree of closeness. But disabled relatives, even if they are not in the will, will receive a certain part of the money, since the law protects this category of citizens. These may be minor children, elderly parents or other dependents of the deceased.

Any property can be distributed among the relatives of the deceased on the basis of a will or legislation. But when inheriting deposits, testamentary dispositions are more often used. It is easier to draw up, but has the same legal force as a will.

A testamentary disposition is practically no different from a regular will, but it concerns one bank account or all accounts in the same bank. If there are several deposits in different banks, an order is needed in each one. As with a regular will, more than one person can be written into the document. The investor can independently divide the shares between the heirs. But if this is not done, then the money will be divided equally between all specified recipients.

There are situations when the investor has drawn up both a will and a disposition, and the information on both documents contradicts each other. In this case, the conditions of the document that is drawn up later are fulfilled.

In general, preference is given to the order, since it is easier to design. The will must be certified by a notary, and the order can be written at a bank branch without contacting a notary.

For what reasons may a bank refuse to issue funds?

Provided that all documents are collected and the registration procedure is followed, obtaining a funeral benefit is quite simple.

You can receive an official refusal from the bank only in a number of cases:

• the order of registration is violated,
• information was deliberately distorted (invoices were inflated, receipts and checks were falsified),
• The problem is in the bank itself (program failure).

Refusal to accept an application for compensation due to professional incompetence is not a frequent occurrence. Sberbank is famous for its employee turnover. If you are completely sure that you have every right to compensation for the costs of funeral services, but the operator convinces you otherwise, call the administrator and justify your position.

Watch the video. How to receive a funeral benefit: