Funds called pension savings, formed on the personal accounts of citizens in the Pension Fund or in the non-state pension fund (NPF), began to be paid out in July 2012.
This opportunity was realized in connection with the entry into force of Federal Law No. 360-FZ “On the procedure for financing payments from pension savings” dated November 30, 2011.
Who has pension savings in their accounts?
These funds have been formed, starting in 2002, in the accounts of working citizens from the following sources:

Mandatory contributions paid by employers. These are men born from 1953 to 1966 and women from 1957 to 1966 - contributions to the funded part were paid for them for three years, from 2002 to 2004. Employees born in 1967 - contributions to the funded part are paid for them to the present time;

Voluntarily transferred contributions from citizens who have joined the state pension co-financing program. These are also contributions paid by the state and (or) enterprise under this program.

Maternity capital funds, if they were transferred to the funded part.

Income from investing all funds in savings accounts.

Many of those who have already been assigned a pension do not even remember whether they transferred their savings anywhere or not.
You need to apply for payment to a non-state pension fund if they were transferred, or to the Pension Fund of the Russian Federation if no application was submitted.
If a person does not remember exactly where the money is, but falls into one of the listed categories, you can submit an application to the Pension Fund and obtain such information.
In what form are pension savings paid?
There are only three forms of payment of pension savings:

One-time payment
. urgent payment,
. establishment of a funded part for a pension.

One-time payment
Involves receiving all funds available in the account at the same time. This opportunity is provided if, when calculating the funded part using the formula (available funds are divided by the expected payment period - 228 months), its size is less than 5% of the amount of the pension received.
The following citizens who have pension savings in their accounts have the right to receive these funds:

Pensioners who have already been assigned an old-age pension and those who are currently applying for an old-age pension.
. Pensioners are recipients of a disability pension or the loss of a breadwinner, and have reached the generally established age for old-age retirement. That is, men upon reaching 60 years of age, and women - 55 years of age, who are not entitled to an old-age pension.

Urgent payment
Urgent payment can be assigned upon application indicating a certain period during which the applicant wishes to receive his funds. The period cannot be less than 10 years (120 months). That is, in this case, the amount of the monthly payment will be calculated using the above formula. It is subject to annual adjustment, taking into account funds received into the account. This payment can only be made from funds received voluntarily and income from their investment. An important feature of this payment is that in the event of the death of the recipient, the remainder of this amount is subject to inheritance.
Cumulative part of pension
The funded part of the pension is established if its size is 5% or more of the amount of the assigned pension. The calculation is based on the total amount divided by the expected payment period. Now it is 228 months, but from 2015, in accordance with the law on funded pensions, it will be established annually by order of the Government.
The funded part is assigned for life, but after the death of the recipient, the remaining funds are not subject to inheritance. Those who are already receiving a pension have the right to establish this part from the moment they receive the right to a pension, with an additional payment for the entire previous period. In this case, it will be calculated from the amount that was in the account on the date the pension was established (for example, for 2010 - if the old-age pension was assigned on this date). If the applicant expresses a desire to receive it from the date of his application, then the amount will be calculated based on the amount available in the account on the date of application, without additional payment.
For ten years, while the funded part was not established and contributions were transferred to it, many citizens managed to retire. However, not all of those who have been assigned an old-age pension can exercise their rights.
Thus, recipients of pensions on preferential terms, for example, Chernobyl survivors, military personnel receiving the insurance part of the pension, will be able to receive their funds no earlier than the age of 55-60 years.
In contrast, those who acquired the right to a labor pension earlier than the generally established period, but according to the law on labor pensions, for example, according to lists 1-2, doctors, teachers, have the right to payment of pension savings.

According to Federal Law No. 424-FZ of December 28, 2013 “On funded pensions,” Russian citizens have the right to receive additional pension payments. The funded part is formed through contributions from employers to the Pension Fund of Russia or non-governmental organizations - NPFs. You can withdraw your savings if you meet a number of conditions.

The procedure for paying the funded part of a pension from a non-state pension fund

Federal Law No. 360-FZ dated 07/03/16 “On the procedure for payments from pension savings” applies to citizens who have decided to form the funded part of their pension (NCP) in a non-state pension fund (NPF). The following payment options are available:

Type of receipt
Indefinite	The NPF pays the amount monthly until the end of life; savings are received by participants in the pension co-financing program, persons who used maternity capital to form a private entrepreneur
	payment once a month for the period specified by the citizen; the duration of the payment period is at least 10 years
One-time	conditions of receipt are stipulated by the legislation of the Russian Federation; NPE can be withdrawn in full once every five years
To the heirs of a pensioner	death occurred before the start of payments; there is a balance of savings; availability of funds from investing investments

Is it possible to withdraw pension savings before retirement?

The law on funded pensions provides for the possibility of receiving NPP only after retirement. Until this time, you cannot withdraw your savings.

Early payments from NPFs are possible for a group of people entitled to a pension under preferential conditions.

These include:

• working in hazardous industries;
• disabled people of groups 1–3;
• miners;
• educators, teachers;
• working in the Far North;
• employees of the Ministry of Emergency Situations;
• dealing with radiation and poisons.

To the legal successors of the deceased person

If a citizen who had savings in a non-state pension fund dies, legal successors can take away the savings, including income from investment. The grounds for receiving funded pension funds are:

• the will of the deceased, which names any individual;
• first-degree relatives - children, spouse, parents (according to law);
• in their absence, representatives of the second stage - sisters, brothers, grandmothers, grandfathers, grandchildren - become legal successors.

To cash out pension savings, you must submit an application to the NPF within 6 months after the death of the citizen. To open an inheritance case, you need to submit the following documents:

• statement;
• passport of a citizen of the Russian Federation;
• document confirming relationship - marriage certificate, birth certificate;
• SNILS of the deceased;
• death certificate.

Who can receive the funded part of the pension at a time

One-time payments can be withdrawn from a non-state pension fund if the conditions stipulated by the legislation of the Russian Federation are met. The citizen's age must meet the requirement: born in 1967 and older. The law provides for cash payments of the funded component in the event of:

• receiving a minimum old-age pension;
• participation in the savings co-financing program;
• monthly funded payment of no more than 5 percent of the old-age pension, taking into account the fixed part.

Citizens who have:

• certificate for maternity capital, used to increase private entrepreneurs;
• survivor's pension;
• disability related to disability;
• insufficient length of service for an old-age insurance pension;
• the right to social state pension provision.

Procedure

To withdraw the accumulated part of the funds from the NPF, you need to submit a package of documents. The list of securities is stipulated by the fund to which the citizen has entrusted the management of pension savings. To receive a one-time payment you must:

1. Apply in person or through the official website of the NPF.
2. Submit an application.
3. Attach a package of documents.
4. Register papers.
5. Receive a receipt.
6. Specify the deadline for making a decision.
7. Wait for an answer.

List of documents

In order to return the funded part of the pension, pensioners who formed it in a non-state pension fund must submit an application to the fund for the return of savings. The form can be obtained in person or filled out on the official website of the pension fund. Important points:

• You must correctly enter your personal data into the application;
• The document must be filled out without errors or blots.

To process a refund, you must attach a package of documents to your application. This:

• passport of a citizen of the Russian Federation with a registration mark;
• work book, contracts confirming work experience;
• pensioner's ID;
• SNILS;
• statement of pension amount;
• bank details, account number for payment.

Fixed and permanent pension payments from non-state pension funds

The pension system of the Russian Federation provides for a certain procedure in order for open-ended, urgent NPP payments to begin to be paid. A citizen needs:

1. Contact the non-state pension fund where the employer paid insurance premiums.
2. Submit an application with a request, indicating the type of payments - open-ended or urgent.
3. Attach a set of documents.
4. Register them.
5. Obtain a receipt from the responsible person.
6. Wait for the issue to be resolved.

Duration of payments

The procedure for receiving savings from private entrepreneurs is established by Federal Law No. 360-FZ dated 07/03/16 and Decree of the Government of the Russian Federation No. 531 dated 06/02/15. There is a regulation on the duration of payments:

Video

11037 07/27/2019 5 min.

The reform of pension legislation has left many people confused. The previously existing system of two pension components – funded and insurance – was “frozen” until 2020. But what does it mean. Can a person who regularly makes contributions to a pension fund to increase the savings portion count on a decent pension? Of course, the state made sure that it was possible to get your money back and, in case of forced or deliberate resignation from work, to maintain a normal financial condition. If retirement age has arrived, but the strength and desire to continue working remains, is it possible for a pensioner to receive a funded pension?

Conditions for assigning and receiving a pension

The funded part of the pension (CP) is the funds reflected in the individual personal account (PA) of the citizen, which he transferred personally or the employer did for him during his working life from his salary.

LF is formed in the following segments of the population:

1. Citizens who have been working since 1967, when a provision came into law obliging them to choose whether to form the funded part of the pension or invest all funds only in insurance. The employer was required to pay 6% of the citizen’s salary until 2015.
2. Men born 1953 to 1966 and women born 1957 to 1966. This is explained by the fact that in the period from 2002 to 2004, deductions of 2% were made from their salaries towards insurance premiums.
3. Persons participating in the state co-financing program and applying for .
4. Mothers who used maternity capital to increase their future pension. It is also useful to read about this category.

Since 2018, in order to subsequently receive a funded pension, a citizen must contribute from two to 12 thousand rubles every month, and the state, in turn, will double this amount. The payment of NC in 2018 is regulated by Federal Law dated January 1, 2018 No. 360, Article No. 2.

It will help you understand the new procedure for calculating a pension of any type.

According to Federal Law No. 373, which entered into force on January 1, 2015, contributions to the funded part go towards the formation of an insurance pension. The decision was made by the Ministry of Finance due to the economic crisis, as a result of which the state lost the ability to pay insurance benefits in full, as it was before. But, despite these measures, citizens born in 1996 have the right to increase the size of their future pension through voluntary contributions to the pension fund, as well as by directing maternity capital funds for these needs.

Funds accumulated on drugs frozen until 2020 can no longer be received in some previously possible cases, but a number of exceptions are legally defined:

• the pensioner has a disability of any group;
• if a person receives government survivor benefits;
• the pension amount does not reach the minimum established by the state.

The funded part of the pension also includes income from investments made by the non-state pension fund chosen by the payer.

To avoid any unpleasant surprises, find out in advance.

Classification of savings payments to pensioners

There are three types of payments, which, unfortunately, are not possible for every pensioner to receive in 2018:

• one-time payment of all funds accumulated on drugs;
• urgent;
• unlimited.

You can check your savings online – on the “Government Services” portal

If the work experience is not enough, then it is assigned.

Receive one time

Money can be received at a time no more than once every five years from the funded part of the pension, but provided that the citizen has work experience and he or his employer has made contributions to the Pension Fund. The minimum payment amount is 5,000 rubles; the possibility of taking larger amounts depends on the amount of funds accumulated during work.

To receive a lump sum payment (LP), you must write an application to the pension fund. Pensioners who meet one of the following criteria can apply for it:

• receive a survivor's pension;
• have a degree of disability and receive appropriate benefits (find out how to calculate the disability insurance pension);
• the amount of the pension due to them is 5% less than the minimum amount of old-age benefits.

Working pensioners cannot receive a lump sum payment.

For working pensioners, the IPC increases annually

Dependents (spouses, parents and children of the deceased breadwinner) who do not have work experience can count on.

Urgent

Urgent payment guarantees monthly receipt of funds for the entire term of the citizen’s insurance, but not less than ten years from the date of registration. Pensioners who continue to work after reaching retirement age can begin receiving it after the end of their working career.

It is assigned to all citizens participating in the state co-financing program. It does not matter from whom the funds came to the pension fund: from the citizen personally, from his employer, from the state (additional amounts to increase the payment to the minimum possible), investment profit, maternity capital invested in the mother’s pension.

If at the time of receiving disabled status, a person did not have any work experience, he is entitled to.

Indefinite

In 2018, it is possible to receive funds every month. The total amount of all funds in the pensioner’s personal account will be divided by 240 months minus the waiting period for payment, the resulting amount will be the amount of the monthly benefit.

Perpetual benefits will be paid until the death of the insured citizen.

Structure of salary deductions

How to apply for a survivor's pension for a child is described in.

Where and in what order is it paid?

You can receive the funded part by contacting the Pension Fund of the Russian Federation or a non-state insurance organization (non-state pension fund), depending on where the citizen made contributions.

For registration you must provide the following documents:

• passport;
• employment history;
• employment contract from the place of work;
• certificate of pension assignment;
• Bank details;
• completed application for a funded pension.

Foreign citizens living in Russia must present a residence permit. Information about this must be indicated in the application.

Using SNILS you can easily check the status of your personal account

All the intricacies of pension reform in Russia are clearly presented in.

You can contact the Pension Fund or Non-State Pension Fund at any convenient time, as well as a month before your official retirement. The package of submitted documents is taken for consideration by the pension fund for up to ten days. After they have passed, a decision is made on the payment of funds and in what quantity they will be made.

Thus, while continuing to work, a pensioner cannot receive the funded part of the pension. Payments are temporarily frozen until 2020, but perhaps something will change in pension legislation and it will be possible to safely receive the deposited funds before the end of your working life.

A funded pension is money that a citizen pays to relevant organizations on a voluntary basis. They are accumulated in a separate account of a non-state pension fund (in short, NPF) or a state management company (MC). When the time comes, citizens think about how to withdraw the funded part of their pension in a lump sum. Sometimes this works without problems. In other cases, you have to be content with other options for receiving funds.

A little history

In 2002, the first compulsory pension insurance system (in short, OPS) was adopted. It forms the pensions of future retirees. By law, the employer is required to make contributions for the employee every month. This procedure is carried out as long as the employee is registered at work. Of course, we are talking only about those cases when a citizen’s labor activity is carried out in an official manner. This means that the employee must receive the so-called white salary, and not money “in an envelope”.

At the same time, the labor pension was divided into insurance and funded parts, and citizens had the opportunity to choose:

• Leave the deductions entirely in the insurance part.
• Allocate the funded part in order to later receive the right to a lump sum payment of the funded part of the pension.

This right applied only to persons born in 1967 and later.

Formation of a funded pension

The funds contributed by the employer began to be distributed in the personal account of the future pensioner, depending on the choice he made. Citizens also had the right to contribute appropriate funds to a funded pension on a voluntary basis, in accordance with one of the following programs:

• Co-financing (at present this is no longer possible).
• Maternity capital (still active today).

These funds, transferred to a non-state pension fund or management company, are invested in various projects. This allows you to significantly increase the income that can be received in the future. Thus, a funded pension may consist of the following parts:

1. Contributions made by the employer.
2. Voluntary contributions from citizens.
3. Income received from investing funds available in the account.

Payment of fees

Currently, employers make contributions to the Pension Fund in the amount of 22% of the employee’s salary. This is stated in Art. 426 Tax Code of the Russian Federation. These funds are distributed as follows:

• 6% goes to the joint part;
• 16% - for individual.

Funds from the solidarity portion are used to pay pensions for today's pensioners, and can also be spent on the necessary needs of the state.

The individual part is recorded on the employee’s personal account. It is from this money that his future pension will consist. It can be distributed as follows:

1. For persons born in 1966 and earlier, all funds are allocated to an insurance pension.
2. For persons born in 1967 and later, cash amounts are 10% of the insurance payment, and 6% of the funded pension, if the future pensioner expresses the corresponding desire.

This is indicated by the law on In addition, the funded pension is paid one-time to citizens who contributed money voluntarily (previously as part of the co-financing program and then maternity capital).

When can I withdraw my savings?

Despite the fact that funded pension funds are stored not in the Pension Fund of the Russian Federation, but in a non-state pension fund or a management company, it will not be possible to withdraw them before retirement age. This type of pension is assigned together with the main insurance pension payment.

Receiving a funded pension early

As stated above, the method of withdrawing the funded part of the pension in a lump sum or otherwise is relevant only when the right to an insurance pension arises. However, citizens can go on a well-deserved rest earlier than the period prescribed by law on a general basis. There are a number of categories of insured persons who have the right to retire early.

The law does not provide for any other grounds for receiving the funded part of the pension. The reason for this is that the employer makes contributions to the compulsory pension insurance system. And in accordance with it, payments are assigned only when an insured event occurs. This is stated in Article 6 of the Law “On Funded Pensions” No. 424-FZ.

Having decided that the time has come, those who are entitled to a lump sum payment of the funded part of their pension apply for this purpose to one of the following organizations:

• Pension Fund (if the money was entrusted to the management company).
• NPF (if savings were kept in a non-state pension fund).

Receiving a funded pension for old age or disability

There are cases when an old-age pension is granted early due to a deterioration in a person’s health or for various social reasons. Then you can simultaneously apply for the funded part of the pension.

In principle, this can be done later. And this option will be more profitable, since the size of the payment will only increase. That is, the later a citizen writes an application for a one-time payment of the funded part of the pension (or in another manner), the larger the amount he will receive as a result. This provision applies both to pensioners who go on vacation in the generally established regime, and to those who do so ahead of schedule. You can receive funds as follows:

1. One time.
2. Urgently.
3. Indefinitely (or for life).

Unlimited payment of savings

An indefinite funded pension is paid every month during the life of the pensioner. However, it is prescribed only if the amount available in the corresponding account is more than 5% compared to the main insurance payment.

The funded pension depends on the amount of funds in the pensioner’s account, as well as on the period established by the state. If in 2017 it was assigned a duration of 20 years or 240 months, then in 2018 it increased by six months and became equal to 20.5 years or 246 months. To determine the exact amount of payments, you should divide the available amount by the number of months.

One-time payment

The law on the payment of funded contributions No. 360-FZ (namely, Article 4) talks about the possibility of withdrawing the funded part of the pension at a time, that is, in the form of one payment. This is possible, as mentioned earlier, upon reaching the retirement age (both generally established and early). Another condition is the small size of the lump sum payment of the funded part of the pension. That is, the payment is made one-time only if it is less than 5% of the basic insurance pension.

You also need to understand that if a citizen does not have the required number of pension points, as well as the number of years of work experience, by retirement age, he will be able to use the savings in the following cases:

• If an insurance pension for the loss of a breadwinner or disability is assigned.
• A state pension (including social) has been assigned.

After receiving the money, if desired, it is possible to continue to form a funded pension if the citizen decides to continue working while already in retirement. But the next time you can apply to withdraw money no earlier than after 5 years. In addition, if savings have already been withdrawn previously, then a lump sum payment to pensioners from the funded part of the pension is no longer allowed this time.

Urgent payment

A fixed-term pension, like a permanent pension, is a payment transferred to the pensioner every month, but during the period chosen by him. But this option is only possible if the citizen made voluntary contributions to his account, namely the funds were transferred:

• maternity capital;
• co-financing contributions;
• additional money contributed by the employer on a voluntary basis (that is, in addition to mandatory payments).

A fixed-term pension is established for a different period, which is determined by the insured person himself. However, it cannot be less than 10 years or 120 months.

The amount of payment also depends on the relevant period. To find out the exact amount, you need to divide your existing savings by the number of months during which you expect to receive this pension.

Payment upon death of the insured person

The funded part of the pension, paid in a lump sum, has an advantage over insurance and state payments in that it can be inherited. For this purpose, a citizen can submit an application to the Pension Fund or Non-State Pension Fund on how to manage the money after his death.

The application should indicate the heirs, as well as their shares. In this case, family ties will not matter. The insured person can designate those whom he or she wishes. If he does not make such an order, then after his death the money is inherited only by relatives according to the law (that is, in order). In this case, the funds are first distributed among the children, spouse or parents. If the deceased does not have any, then the inheritance goes to sisters and brothers, grandparents, and grandchildren.

But the money will be transferred only in the following cases:

1. If the deceased did not apply for payment during his lifetime.
2. If urgent payment is established.
3. After the amount of the lump sum funded part of the pension has been determined, but not paid.

In addition, you need to keep in mind that only the children of the deceased mother and her husband (the father of the children) can inherit maternity capital. If there are none, then the money goes to the Russian budget reserve. If there are no heirs for other parts of the funded pension, then the funds go to the budget of the organization where they were kept (PFR or NPF).

A funded pension has its advantages and disadvantages. The advantage is the possibility of inheriting this part. But when making an appropriate decision, it is recommended to take into account some negative factors. These include, for example, the impossibility of early withdrawal of a pension, as well as the failure to carry out indexation in relation to it, which is carried out annually in the insurance payment.

In this regard, lawyers suggest carefully weighing the pros and cons, and also considering a number of alternative ways to save money. These include, for example, the following:

• Open a special pension deposit in a bank on demand. It can be replenished at any time, as well as withdrawn.
• Take advantage of the endowment life insurance program, the term of which ranges from 5 to 40 years.
• Conclude an agreement with a non-state pension fund for voluntary pension provision.

In this case, you need to pay attention to the following point. If in the first two cases it is allowed to invest money in any currency, then in the case of a non-state pension fund, contributions can only be made in rubles.

Unlike the funded pension discussed in the article, these methods allow you to use funds ahead of schedule.

Savings yesterday and today

Everyone who is entitled to a one-time funded part of their pension could enter into an agreement with the chosen organization earlier. But there is currently a moratorium on this action. This decision is explained by the fact that during a certain period it is planned to check the activities of non-state pension funds, namely their break-evenness. But, according to experts, in fact the reason is that many citizens hastened to exercise their right, which is why the Pension Fund has a budget deficit.

Therefore, insured persons who already have a savings account can currently take advantage of ways to withdraw the funded part of the pension in a lump sum or receive it on an urgent or indefinite basis. The exception is those citizens who decide to make savings voluntarily.

Conclusion

Judging by the information presented in the article, in order for pensioners to receive a lump sum payment from the funded part of the pension, many nuances must be taken into account. It is not always possible to comply with all of them. This leads to the fact that in some cases one has to be content with only a small increase in the basic pension.

1. My mother died in 2014, can I withdraw my pension savings now?

1.2. No. If the question is about an insurance pension not received for the current month, then the deadline for filing an application for payment of a pension to the relatives with whom she lived has been missed (6 months from the date of death). Accumulated pensions for previous months are not paid to relatives in principle.
If it’s about a funded pension, then the application deadline has also been missed (6 months from the date of death).
Federal Law "On Insurance Pensions", Federal Law "On Savings Pensions".

2. I wanted to know who can withdraw pension savings.

2.1. Pension savings can be withdrawn by a pensioner by receiving a pension.

3. Can I withdraw part of my pension savings?
I am 41 years old.

3.1. Hello, before reaching retirement age it is not possible, after reaching retirement age it is possible, but even then with restrictions:
One-time payment - all pension savings are paid at once in one amount. Those who have a funded pension amounting to 5% or less of the entire old-age insurance pension can receive it. Citizens who are paid an insurance pension for disability or the loss of a breadwinner, a state pension pension (it is received by those who have not acquired the right to an old-age insurance pension due to the lack of the required insurance period or the number of pension points) can also receive a one-time payment. ;

In the form of an urgent pension payment, savings are paid for a period the duration of which is determined by the citizen himself (but not less than 10 years).

4. I would like to know if I can withdraw my pension savings if I am 28 years old.

4.1. Hello!
You cannot simply withdraw funds, as from a card or bank account. To receive them, the occurrence of an event or fact is necessary, which is a condition.
Article 32. Retention of the right to early assignment of an insurance pension to certain categories of citizens

1. An old-age insurance pension is assigned before reaching the age established by Article 8 of this Federal Law, if there is an individual pension coefficient of at least 30 to the following citizens:
1) women who have given birth to five or more children and raised them until they reach the age of 8 years, who have reached the age of 50 years, if they have an insurance period of at least 15 years; one of the parents of disabled people since childhood, who raised them until they reached the age of 8 years: men who have reached the age of 55 years, women who have reached the age of 50 years, if they have an insurance period of at least 20 and 15 years, respectively; guardians of disabled people from childhood or persons who were guardians of disabled people from childhood, who raised them until they reached the age of 8 years, an old-age insurance pension is assigned with a decrease in the age provided for in Article 8 of this Federal Law as of December 31, 2018, by one year for every one year and six months of guardianship, but not more than five years in total, if they have an insurance period of at least 20 and 15 years, respectively, men and women;


1.1) women who gave birth to four children and raised them until they reach the age of 8 years, who have reached the age of 56 years, if they have an insurance period of at least 15 years;
(clause 1.1 introduced by Federal Law dated October 3, 2018 N 350-FZ)
1.2) women who gave birth to three children and raised them until they reach the age of 8 years, who have reached the age of 57 years, if they have at least 15 years of insurance experience;
(clause 1.2 introduced by Federal Law dated October 3, 2018 N 350-FZ)
2) women who have given birth to two or more children, who have reached the age of 50, if they have an insurance record of at least 20 years and have worked for at least 12 calendar years in the Far North or at least 17 calendar years in equivalent areas;
3) disabled people due to military trauma: men who have reached the age of 55 years, women who have reached the age of 50 years, if they have an insurance period of at least 25 and 20 years, respectively;
4) visually impaired people with disability group I: men who have reached the age of 50 years, women who have reached the age of 40 years, if they have an insurance period of at least 15 and 10 years, respectively;
5) citizens with pituitary dwarfism (midgets) and disproportionate dwarfs: men who have reached the age of 45 years, women who have reached the age of 40 years, if they have an insurance period of at least 20 and 15 years, respectively;
ConsultantPlus: note.
Persons specified in clause 6, part 1 of this article, who will turn 55 (men) and 50 (women) years old in the period from 01/01/2019 to 12/31/2020, a pension may be assigned 6 months before reaching the age established by Appendix 6 (Federal Law dated October 3, 2018 N 350-FZ).
6) men upon reaching the age of 60 years and women upon reaching the age of 55 years (taking into account the provisions provided for in Appendices 5 and 6 to this Federal Law), if they have worked for at least 15 calendar years in the Far North or at least 20 calendar years in equivalent areas and have insurance experience of at least 25 and 20 years, respectively. For citizens who worked both in the Far North and in equivalent areas, an insurance pension is established for 15 calendar years of work in the Far North. Moreover, each calendar year of work in areas equated to the regions of the Far North is counted as nine months of work in the regions of the Far North. Citizens who have worked in the regions of the Far North for at least 7 years 6 months are assigned an insurance pension with a reduction in the age established by Article 8 of this Federal Law by four months for each full calendar year of work in these regions. When working in areas equated to the regions of the Far North, as well as in these areas and regions of the Far North, each calendar year of work in areas equated to the regions of the Far North is counted as nine months of work in the regions of the Far North;
(as amended by Federal Law dated October 3, 2018 N 350-FZ)
(see text in the previous edition)
7) men who have reached the age of 50 years, women who have reached the age of 45 years, permanently residing in the regions of the Far North and equivalent areas, who have worked, respectively, for at least 25 and 20 years as reindeer herders, fishermen, and commercial hunters.
2. When assigning an old-age insurance pension in accordance with paragraphs 2, 6 and 7 of part 1 of this article, the list of regions of the Far North and equivalent areas, used when assigning state old-age pensions in connection with work in the Far North as of 31 December 2001.
3. When determining the right to an old-age insurance pension in accordance with paragraphs 1 - 2 of part 1 of this article, children in respect of whom the insured person was deprived of parental rights or in respect of whom the adoption was canceled are not taken into account.
(Part 3 introduced by Federal Law dated October 3, 2018 N 350-FZ)

5. Is it possible to withdraw money from your pension savings?

5.1. Categories of preferential pensioners have access to early receipt of pension savings. Their list is contained in Federal Law No. 400

6. How can I withdraw my pension savings? I am 29 years old.

6.1. Hello. Alas, no way.

7. Can I withdraw money from my pension savings? I am 29 years old.

7.1. What is the pension savings part?

8. My experience is 27.7 years. can I withdraw savings from a pension fund without waiting for retirement? I am 49 years old. Thank you.

8.1. If you mean the funded part of the pension, then no, for this you need to have the right to receive an insurance pension, at a minimum.

Federal Law of December 28, 2013 N 424-FZ (as amended on October 3, 2018) “On funded pensions”
Article 6. Conditions for assigning a funded pension

1. The following insured persons have the right to a funded pension: men who have reached the age of 60 years, and women who have reached the age of 55 years, subject to the conditions for the appointment of an old-age insurance pension, established by the Federal Law “On Insurance Pensions” (availability of the required insurance period and the established value of the individual pension coefficient).
2. Insured persons specified in Part 1 of Article 30, Article 31, Part 1 of Article 32, Part 2 of Article 33 of the Federal Law “On Insurance Pensions” are assigned a funded pension upon reaching the age or onset of the period determined in accordance with the Federal Law “On insurance pensions" as of December 31, 2018, and subject to the conditions that give the right to early assignment of an old-age insurance pension(availability of the required insurance period and (or) experience in the relevant types of work and the established value of the individual pension coefficient).
3. A funded pension is assigned to insured persons if there are pension savings accounted for in a special part of the individual personal account of the insured person or in the pension account of the insured person’s funded pension, if the amount of the funded pension is more than 5 percent in relation to the amount of the old-age insurance pension (in including taking into account the fixed payment to the old-age insurance pension and increases in the fixed payment to the insurance pension), calculated in accordance with the Federal Law “On Insurance Pensions”, and the amount of the funded pension calculated on the day the funded pension was assigned. If the amount of the funded pension is 5 percent or less in relation to the amount of the old-age insurance pension (including taking into account the fixed payment to the old-age insurance pension and increases in the fixed payment to the insurance pension), calculated in accordance with the Federal Law "On Insurance Pensions" ", and the amount of the funded pension calculated on the day the funded pension was assigned, insured persons have the right to receive the specified funds in in the form of a lump sum payment.
4. The funded pension is established and paid in accordance with this Federal Law, regardless of the receipt of another pension and monthly lifelong allowance provided for by the legislation of the Russian Federation. Changes in the conditions for assigning a funded pension, the norms for establishing a funded pension and the procedure for paying a funded pension are carried out by amending this Federal Law.

9. Can I withdraw money from my pension savings at one time? I retired from old age, I want to withdraw all accumulated money, how to do this?

9.1. Can I withdraw money at one time from my pension savings? I retired from old age, I want to withdraw all the accumulated money, how to do this?
What pension savings are we talking about?

10. I am a citizen of Kazakhstan working in Russia. How can I withdraw pension savings that are being deducted from me?

10.1. No way. Russian legislation does not provide for the deduction of any amounts from citizens in favor of the Pension Fund, except in the case of a voluntary conclusion of an agreement with the Pension Fund.

10.2. No way, you can only get them when you retire
Did the answer help you?

11. Can the bailiff seize the father’s pension savings (the father died) if he had debt on credits and there was an enforcement proceeding at work to remove 50% of the salary. I have already received a decision on payment since I am the legal successor, but I’m still afraid, You never know, I didn’t enter into the inheritance.

11.1. It depends on where they are stored... if it’s on a card, then they can... if it’s a bank account... you need to look at the contract... a deceased person cannot dispose of it and his property also needs to be enforced... contact a lawyer, he will tell you.

12. I’m 33 years old, a single mother raising a child alone, it’s very hard, a lot of debt, I’m barely making ends meet ((Tell me, due to a difficult situation in my life, can I withdraw all my savings from the pension fund? Is this possible?

12.1. Hello. You will not be able to withdraw money in full, because... they have a specific purpose only. If you have debts, then try to somehow come to an agreement with the creditors.

13. I am 61 years old. In my personal account on the official website of the Pension Fund, I received a response to a request for pension savings. A pension application is under consideration. A question for you: I have the right to withdraw all or part of my money.

13.1. Depending on the amount of savings in relation to the assigned old-age insurance pension.
A funded pension is assigned to insured persons if there are pension savings accounted for in a special part of the individual personal account of the insured person or in the pension account of the insured person's funded pension, if the amount of the funded pension is more than 5 percent in relation to the amount of the old-age insurance pension (including taking into account the fixed payment to the old-age insurance pension and increases in the fixed payment to the insurance pension), calculated in accordance with the Federal Law "On Insurance Pensions", and the amount of the funded pension calculated for day of assignment of a funded pension. If the amount of the funded pension is 5 percent or less in relation to the amount of the old-age insurance pension (including taking into account the fixed payment to the old-age insurance pension and increases in the fixed payment to the insurance pension), calculated in accordance with the Federal Law "On Insurance Pensions", and the amount of the funded pension calculated for the day the funded pension is assigned, the insured persons have the right to receive the specified funds in in the form of a lump sum payment.

If you find it difficult to formulate a question, call the toll-free multi-line phone 8 800 505-91-11 , a lawyer will help you