The contribution under the program of state co-financing of pensions must be made before the end of this year. State pension co-financing program. Internet conference of the Chairman of the Board of the Pension Fund Anton Drozdov Co-financing in pen

It is no secret to anyone that at the moment Russia is going through a difficult and a long period economic crisis. This primarily affects ordinary citizens, or rather, their well-being. And if working people can still rely on their own strength, then pensioners have to completely depend on the decision of the authorities of the Russian Federation regarding their material content.

Needless to say, how much the prices for absolutely everything have increased in the past few years, while the pension has practically remained the same. The insignificant increase in payments that was introduced by Russian officials will in no way remedy the situation with the shortage of funds. As a result, it is the retirees who have a very hard time. The way out of this situation is currently considered a pension co-financing program in 2017. To date, several million pensioners have already become active participants in it.

Basic information

The noted program was first launched by the government of the Russian Federation in 2009 and during its existence has managed to help many pensioners. To be precise, about 2 billion rubles were paid to the citizens of Russia in 7 years. According to official statistics, this figure is 700 million rubles higher than the receipts of payments to the state treasury for the same period.

Conditions of the state program

Anyone who wants to get acquainted with the conditions and criteria for co-financing a pension can become a participant in the marked program. At the same time, even those people who are already retired can take part in the program.

There are several basic conditions for the program.

1. First, a pensioner will have to write a corresponding application, the form of which can be obtained in any of the divisions of the pension fund of the Russian Federation. For this, it is worth choosing a branch at the place of residence.

2. You will definitely need an original passport.

3. On hand must be a certificate and pension insurance.

4. Choose one of the most acceptable methods of transferring documents, of which there are three in total: through the employer, personally from hand to hand and through a special organization, which must have a cooperation agreement with the pension fund in 2017.

Accrual of payments according to the pension program

At the moment, Russians have accumulated many questions about how the accrual of cash payments to all participants in the state program will be carried out. Judging by the general rule of the 2017 co-financing program, payments should be identical to the amount of the contribution made. Of course, there were some exceptions here, which are spelled out and established by Russian legislation within the framework of co-financing.

If we speak in simple words, then any person who has reached the age of 55-60 years, but has not yet received a pension, has every right to receive an amount that is 5 times higher than payments from the pension fund. If you look at it from the outside, then for pensioners there is an opportunity to get a good additional source of income.

Feedback on the 2017 program

Since the noted state program has been operating for a long time, you can consider the reviews of its participants in order to understand the rationale of your participation in it.

1. The pension co-financing program is considered to be just a great option for all those who were born before 1967. Why? Such people simply do not have a funded part of their pension, since it simply does not form. For younger retirees, such a program will not be so attractive and profitable, therefore, participation in it is not considered reasonable.

2. The noted state program is notable for its practicality and convenience. You can pay contributions using any credit institution, one of which is Sberbank of Russia. If it comes to working retirees, then they can use the services of the accounting department of the enterprise where they work. At the same time, their own strength is not expended on this.

3. Equity capital can multiply several times. To put it more simply, if a citizen decided to put 10 thousand rubles into the account of the Pension Fund, then it turns out to be 30 thousand rubles. I wonder where they come from? It's very simple: 10 are added by the state, and 10 more come from the employer himself.

4. The algorithm of the 2017 co-financing program is not fully understood. For many, it is very interesting to be aware of exactly when money will come to a personal account. To paraphrase, disbursements will be made annually, or only at the end of the entire program. Indeed, in the second case, I absolutely do not want to deposit money into the account for a dozen years, which the newly arrived government may simply not give out, since it will write a refusal. As a result, the duration of the program is not clear until the end.

In conclusion, it should be added that the pension co-financing program Russian citizens in 2017 is an excellent way for most of the population of the state to receive additional income. So far, we can say with confidence that all charges in the program are carried out at the expense of the state. As a result, in order to increase your well-being, you just need to turn to the organization of the pension fund of the Russian Federation for help. Here you should be explained to the smallest detail all the nuances of a similar opportunity, and provide additional documentation that will help you to clearly see all the advantages of participating in the program. But it is entirely up to you to accept the offer to participate in the program, or refuse it.

The law on co-financing of pension benefits has existed since 2009, so many have already studied it and understand that its essence lies in the fact that citizens can independently replenish the pension fund and thereby increase the volume of their pension savings. What will be the state co-financing of the 2017 pension and are there any changes expected in this program?

Conditions for participation in the program?

Any Russian can become a participant in the co-financing program, but first he must necessarily exhaust all the conditions that ensure its functioning, and these include the following:

• to participate in the program, a person will have to prepare an application and give it to the specialists of the PF located at the place of residence;
• make a photocopy and prepare the original passport;
• issue a certificate of pension insurance;
• submit documents for participation in the program in any convenient way (personally in the hands of a person or through an employer).

Frankly, the benefits of this program are obvious, because today everyone Russian pensioner will be able to provide himself with income, which will depend on the funds received into the account of the pension fund. Frankly. It is the retirees who can be an excellent help for them in retirement, because in the conditions of the crisis, the authorities cannot pay due attention to increasing pensions, therefore, every Russian must think about himself on his own.

How are payments made?

Information about this program is contained in one of the draft laws of the Russian Federation, and upon careful study it becomes clear that the co-financing of pensions in 2017 will be quite large - 1: 1, therefore, the more a person invests, the more he can get. However, there are certain exceptions, because under the terms of the program, those people who have already reached the age of retirement will be able to receive a large amount, but do not receive, because the bill contains data that payments will increase fourfold, so it makes sense to wait for the achievement retirement age is still there. Anyone can make contributions, and for this you can choose any affordable way, however, before you pay, you need to contact the specialists for payment details.

As a conclusion, it should be said that co-financing of pensions in 2017 was already appreciated by many Russians, because in the crisis conditions the issue of obtaining a basic income and improving their material well-being in retirement. Every person worries (no one is surprised by this act, because it will definitely not work to call the pensions of most Russians too large). It is necessary to pay special attention to the fact that this program, contrary to the words of some skeptics, is nevertheless created for the good of the Russians, and not to increase the reserves of the Pension Fund, so it is definitely not worth neglecting.

Special attention should also be paid to the fact that working pensioners will not be able to take part in the program in 2017, because according to the government, their pension account will already increase due to increased insurance premiums from employers, therefore, they do not need additional income. Any nuances of this program can be found out from the representatives of the local PF, who will tell you about all the intricacies of this issue (many do not understand the system of receiving payments, but you should not be shy, because you can ask about everything), but agree to participate in it or not - everyone is about this must think for myself.

Pension co-financing 2017 is a program in which more than 3 million and 217 thousand Russians have become active participants.

This program was launched back in 2009 and during its existence, approximately 2 billion rubles were received from the citizens of the country.

According to the statistics provided. This figure is almost 700 million rubles more than the volume of payments that came to the state treasury for the same period.

State program and its conditions.

Anyone can become a participant in this program, but first you must carefully read all the conditions and criteria of this program in order to keep abreast of all events. Moreover, this may be the person who is already on the song. What are the main conditions of the program?

Pension program payments.

Today, many are worried and interested in the question of how they will proceed and make cash payments. According to general rule co-financing programs, payments are made in the amount of 1: 1 to the amount of the transferred contribution. Although, nevertheless, for a certain category of citizens, there are exceptions that are spelled out and established by laws within the framework of this program. In other words, persons who have reached the generally accepted retirement age, that is, 55-60 years, but have not received a pension, have every right to receive an amount that is 5 times higher than the payments of the pension fund. It should be noted that this is a very good additional source of income for the category. unemployed pensioners.

Reviews about the program.

Today, due to the fact that the program has been operating for more than one year, there is a large number of a variety of opinions. After all, some people liked the program and its conditions, while others, on the contrary, are not satisfied with a lot.

Pension co-financing 2017 is a program in which a large part of the country's population is a participant, who are primarily concerned about the possibility of additional income provided by the state. You will agree. If you carefully study all the features of the program, then it can be noted that in fact all charges go and are transferred at the expense of the state. That is why, if you are interested in the opportunity to increase your well-being, then all you need to do is simply contact the organization of a pension fund located in your region and region, where you will be told and explained to the smallest detail about all the subtleties and features. But agreeing to its terms or not is already a personal matter and everyone's choice.

Back in 2008 by the government Russian Federation a co-financing program for pensions was developed, initially designed for five years. According to this program, it was envisaged to increase pensions by doubling the voluntary contributions of citizens.

In practice, the implementation of the program meant that a citizen transferring from two to 12 thousand rubles to his personal account received the same amount from the state. For citizens applying for an old-age insurance pension, but not applying for its establishment, an increase in contributions was provided four times, up to 60 thousand rubles.

In order to participate in the program, it was necessary to submit an application by the end of 2014 and in January 2015 to deposit the first funds to the personal account, thus making the first contribution.

Doubling of contributions was not carried out for citizens who applied for participation in the program, but are already receiving any kind of pension. The funds that they deposited into a personal account simply accumulated on it, but did not double at the expense of budget money.

Taking into account the fact that the program was in great demand among Russians, the government of the Russian Federation made a decision to extend it.

And today hundreds of thousands of citizens continue to accumulate and increase their capital. The peak of the program was in 2013: at that time, it was attended by about 1.8 million people.

How the program works

To participate in the program, you must have a corresponding application filed with the FIU. The moratorium on the formation of pension savings, in force today, does not apply to the program under consideration: it affects only insurance contributions for compulsory social insurance.

The co-financing program works according to the following principle: personal funds of citizens and payments financed by the state (transferred within ten days) go to the personal accounts of the program participants. After that, they are transferred to the Criminal Code or NPF, selected by citizens in advance. Thanks to this, non-working pensioners have the opportunity to receive additional income and provide a decent level of pension provision.

The fee can be paid in one installment or in equal installments throughout the year. When transferring contributions through a bank, you should be careful, since any mistake can lead to the fact that funds will not be credited to your personal account.

Contributions can also be transferred through employers - for this, you should apply to the accounting department of your organization and indicate the amount of the contribution in cash or percentage of wages.

Like others pension savings, funds accrued under the program are paid to citizens upon retirement.

So, in 2016, 14.3 thousand people participating in the program retired - they were paid over 159 million rubles. Funds can be paid in the form of an urgent or lump sum payment if the amount of savings is less than 5% of the insurance pension.

Program participants, among other benefits, are entitled to tax deductions from contributions (the deduction amount cannot be more than twelve thousand rubles).

How the program is being implemented today

Statistics show that the amount of voluntary contributions from Russians is increasing every year: a slight decline occurred only last year. If in 2015 the average voluntary contribution was 7.6 thousand rubles, then in 2016 it increased to 9.7 thousand rubles.

In addition to citizens, contributions are paid by employers: in 2016, the total amount of contributions amounted to 107.4 million rubles, but these contributions are not doubled by the state.

In 2016, according to the FIU, 758.3 thousand Russian citizens contributed 5.7 billion rubles to their accounts. The state added another 5.5 billion to this amount.

The difference is due to the fact that funds are allocated from the budget only for the co-financing of those contributions, the size of which ranges from two to 12 thousand rubles.

Because some contributions are less than or greater than the specified range, a certain difference is generated annually.

For comparison: in 2015, the program participants contributed 7.1 billion rubles to their personal accounts. State co-financing amounted to 6.8 billion. This suggests that today we can observe a slight decrease in the activity of citizens.

In total, during the period of the program, its participants made about 51.1 billion contributions. The state allocated funds in the amount of 49.9 billion. Taking into account the contributions of employers, which amounted to about 788.3 million rubles, more than one hundred billion rubles of pension savings were formed within the framework of the program.

The 2017 co-financing pension program is a program in which the majority of the country's population is involved, who are concerned about the issue of the possibility of additional earnings and income. The peculiarity of such income is and is that it is provided at the expense of the state. By carefully studying all the features and the main task of this program in 2017, you can easily understand and determine that all charges go and are transferred at the expense of the state. That is why, if you are interested in this program, and you would like to become a participant, it's time to go to the pension fund, where they will tell you in detail about all the features, which are not a small number here.

The essence of the program.

According to many specialists and experts, in 2017 the pension co-financing program will be closer to perfection than ever. Indeed, for retirees this is a truly unique opportunity to ensure an absolute profitability of contributions, due to which life will be ensured after retirement. How to understand the essence of this whole program?


First of all, several payments coming from completely different sources will accumulate on the pension account of each program participant. Agree, annual contributions, co-financing and pension insurance together can give a good result and indicator.

According to statistics for 2017, 8,000,000 people have already taken part in the program, although a significant increase in this indicator is predicted by the end of the year.

Who can participate in the program?

Many who have not yet tried all the features and benefits of this 2017 program of the year are wondering who can become its participant. It should be said right away that the program is absolutely accessible to everyone, the most important thing is to provide the entire set of documents required and prescribed by law.

How to join?

If you are not yet a member of the 2017 retirement cofinancing program, then it's time to collect all Required documents and go to the Pension Fund at the place of residence. So, what documents are required and what should be done?

1. Write a corresponding statement, which is written on a special form. The application form is issued at the Pension Fund of the place of residence.

2.Provide your original passport, proving your identity.

3.Certificate of pension insurance.

4. The choice of the method of delivery of documents. Today, in 2017, three such methods can be distinguished and named. Each of which has its own characteristics, pros and cons, so everyone chooses the option that suits him and suits him the most. This is personally in hand, through the employer, through an organization that has a cooperation agreement with the pension fund.

Payouts.

As for directly the payments themselves under the 2017 co-financing pension program, it is worth noting that according to general rule, which is also spelled out in the legislation, all payments are made in the amount and ratio of 1: 1. Although, nevertheless, exceptions to the rules are spelled out and established in a separate line, when charges and payments are made in a completely different way. The most popular and frequently encountered exception is rightfully considered the case when persons who have reached retirement age, that is, 55-60 years old, but have not received a pension, have every right to receive and provide them with an amount that, according to calculations, is 5 times higher than pension payments. fund. Agree, this is a pretty good source of income for the category of non-working pensioners in 2017.

But, despite all the charms and advantages of this program, many analysts and experts disagree. Ask why? It's simple, since many are 100% sure that this program is perfect for those citizens who were born before 1967, because they do not have accumulation part pensions. But those who were born a little later, the conditions of the co-financing program will not be as attractive as they would like. Another significant drawback and disadvantage of this program is that all accruals will be paid at the end of the program, although it would be correct to do it annually, based on the results of the year, why? It's simple, because after a dozen years you can even get a refusal to pay the money spent, and especially if the government and power change, and they, as a rule, do not bear any responsibility for the actions and decisions of their successors.

Whether to become a participant in the pension co-financing program in 2017 is a personal matter and everyone's choice, of course, the conditions of the program are very attractive and tempting. But all the same, a lot remains unclear, that is why, it is necessary to carefully weigh and think over everything.