The State Duma explained how to receive the funded pension of a deceased relative
If a citizen passes away before retirement, his pension savings can be transferred to his relatives in the form of a lump sum payment, Nikita Chaplin, a State Duma deputy (United Russia faction) and a member of the Committee on Budget and Taxes, told Izvestia on January 20. He explained which family members are entitled to claim these funds, where to apply and in what time frame, as well as what amount can be received.
"The closest relatives of the deceased, who lived with him at the time of his death, can receive the savings. There is a classification into two groups of applicants: the first group includes native and adopted children, spouses, parents and adoptive parents; the second group consists of grandparents, brothers, sisters and grandchildren, if there are no heirs of the first group. If a citizen has applied in advance for the distribution of his savings among certain persons, only they will receive payments, regardless of the degree of kinship," - said the deputy.
He specified that attention should be paid to cases where maternity capital was used in the formation of the funded part of the pension: in these cases, only the second parent or children up to 18 years old or up to 23 years old, provided full-time education.
Speaking about the amount that can be expected, he said that all accumulated funds are available for receipt.
"For example, if the savings were formed from 2002 to 2014 through 6% of monthly employer's insurance deductions multiplied by about 500 rubles, then with an average return of 7% of the management company, the amount of savings could reach about 75 thousand rubles," Chaplin added.
To obtain information on the place of storage of the deceased's savings, it is necessary to apply to the Social Fund of Russia (SFR). Within six months after the death of a citizen, it is necessary to submit an application to the SFR or to a non-state pension fund (NPF), if the savings were formed there.
"It is important to have a passport, a death certificate, a certificate of place of residence, if this information is missing in the passport, SNILS of the deceased, as well as documents proving cohabitation and kinship, such as birth or marriage certificates. The Pension Fund will make a decision on payment or refusal within six months after the application is submitted. The applicant will receive notification of the decision within five days after acceptance," the deputy explained.
According to him, if the decision is positive, payments will be made by the 20th of the next month. He emphasized that it is important to apply for savings within six months after the death of a relative. The missed term can be restored only through the court.
"If a citizen did not have time to formalize the application before his death, the heirs have the right to receive the funded pension, based on the provision on the degree of kinship. When using maternity capital in favor of the funded pension, only children or the second parent can be applicants. When a citizen has already started to receive payments, but chose the option of urgent receipt, then the heirs will receive payments within the remaining period", - specified Chaplin.
On the eve of the member of the State Duma Committee on Social Policy Ekaterina Stenyakina said that the federal budget of the Russian Federation was prepared for additional indexation of pensions. She noted that about 40 million Russian pensioners will fall under the indexation of insurance pensions.
