How to find out if an employer pays taxes for an employee?

Amount of deductions

Currently, all citizens remit taxes to the Pension Fund in the amount of 22% of earnings. The employer handles this money. These include:

• 16 percent – ​​insurance component;
• 6 percent is the funded portion, which a citizen can dispose of at his own discretion.

For organizations operating under a simplified procedure, this percentage is lower and amounts to 20. Transfers are made not only by legal entities, but also by individual entrepreneurs. For employees working in hazardous conditions, the insurance premium is higher, its maximum level reaches 4%.

Basic ways to check contributions to a pension fund

Before checking the fact of the presence of contributions to the pension fund on the part of the employer, you should find out what amounts, in fact, he is obliged to transfer.

They are not fixed and the same for everyone, since in accordance with federal law, the amount of contributions is 22% of the salary of each employee. It is worth noting that it is not calculated from wages, as is the case when paying the same income tax, that is, the employee does not feel the very fact of the transfers in his wallet and this is not reflected in the pay slips issued to him every month.

An amount of 22% of wages is generally obligatory for transfer for all employees, with a few exceptions. Thus, for employees performing work functions in conditions that are harmful and hazardous to health, an increasing coefficient applies. Depending on the hazard class, the additional tariff can reach 4% of the salary amount.

In turn, there are certain concessions for organizations using a simplified taxation system. They transfer 20% of the salary for each employee.

So, having figured out what amounts should be transferred by the employer to the Pension Fund of the Russian Federation, you should begin to check his conscientiousness in relation to the duties assigned to him by law.

There are quite a few ways to check contributions to the Pension Fund, some of them are presented below:

• by contacting the Pension Fund in person;
• through your personal account on the fund’s website;
• on the State Services website;
• through the MFC;
• through banks.

The easiest way to check is through the employer's accounting department. If the employer transfers insurance premiums in full, the necessary information will be provided. However, there is a risk that this information may be unreliable and biased.

Using SNILS and TIN online

SNILS is the main document that confirms the fact of registration of a citizen in the personalized pension accounting system. It also allows you to identify him when contacting the Pension Fund of Russia.

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In addition, a green SNILS card is required when applying to any other authorities in order to clarify issues related to deductions of insurance premiums.

A personal account number is also needed for registration in electronic services, including via the Internet: in “State Services” and in your personal account on the website of the Pension Fund itself. After registration has been completed, the SNILS number can be used as a login to gain access to the corresponding services.

If the SNILS number is unknown, for example, due to the loss of a green card, and there is no time to restore the document in the Pension Fund, then you can find it out using a document such as TIN.

This can be done in two ways:

• through the pension fund website;
• via the Federal Tax Service website.

In the second case, you should go to nalog.ru and select the “Business Risks” section. Then a window will appear in which the user will be asked to enter the TIN in the pop-up field. After this, a file will be generated in which SNILS will be reflected.

On the State Services website

To find out about transfers to the pension fund through the State Services website, you should perform the following algorithm of actions:

1. Open the “Pensions, benefits, benefits” tab.
2. Select from the menu “Notice on the status of the pension account in the Pension Fund of the Russian Federation.”
3. Click “Get service”.

Some time after this, a notification about the readiness of the corresponding extract will appear on the portal. Using the information contained in it, you can check the frequency and amount of insurance premiums. In addition, this extract can be used as part of electronic document management to confirm certain information.

To gain access to all the features provided by the site, you must register on it and go through the identity verification procedure. There are several ways to do this, explained in detail on the portal itself.

This issue can also be clarified through multifunctional centers, which are convenient because they are located in every municipality in the country.

To do this, the citizen must personally arrive at the nearest center and provide its employees with the following documents:

• passport;
• SNILS;
• statement.

Within one week after this, the MFC will provide an extract from the Pension Fund on the status of the personal account.

In banks

All money transferred by employers is stored in the accounts of credit institutions. The Pension Fund of Russia has concluded agreements with several banks, including Sberbank. In order to find out about transfers, a citizen can contact the credit institution directly, having with him a passport and SNILS.

Public services

To use the services of this organization, you must log into your account. To do this, go through the registration procedure, indicating personal data. Having received the password using any of the available methods, you can go to the account where you fill out the remaining data.

To find out what contributions are being made to the pension fund, find and then “Notice on the status of the account.” The request will only take a few minutes, after which the requested data will be provided. However, this will be possible if the account is verified:

• via mail;
• customer service;
• electronic signature.

Tax deduction from pension contributions

And finally, it is worth adding that contributions to non-state pension funds, judging by the comments of Internet users, are increasingly gaining popularity among citizens who care about their life after retirement. When you transfer funds to a non-state pension fund, you have the opportunity to receive a tax deduction (tax refund). To do this, you must submit a corresponding application to the Federal Tax Service.

Who submits which tax forms? Who pays taxes and contributions monthly? You will find answers to these questions in the video:

PFR website

Another way to check the transferred amounts of money is to log into the official website of the fund. The account can be accessed automatically when registering on the State Services electronic portal. Then select the section “Ministry of Health and Social Development”, and then the sub-item “Information on the status of individual accounts”. Here you can find out how much money was transferred by receiving data in expanded form or in regular format.

In the last version, data on the amounts of insurance components by year will be indicated at the bottom, and the final data will be indicated at the end.

Transfer deadlines

The company's internal regulations do not establish exact deadlines, but indicate the maximum period for carrying out the operation. The maximum period directly depends on the chosen method of transferring funds, as well as on the transfer amount.

• If the user has chosen the “CyberMoney” function, the maximum transfer period is 1 hour;
• If the transfer is carried out through Western Union, the money reaches the recipient instantly;
• If the client makes an international transfer, the maximum processing time for the request is two days from the date of application;
• If the client sends money in the usual way in cash, for an amount less than 100 thousand rubles the maximum delivery time is two days, for an amount more than 100 thousand rubles - three.

Information: for urgent transfers, Russian Post has developed a service called Forsazh. It can be targeted (linked to a specific point of issue) or addressless. If a user sends an amount up to 100 thousand rubles, the money arrives at the final branch of Russian Post in a matter of minutes, but no more than an hour. If the sending amount is more than 100 thousand rubles, the maximum processing time for the request when using the Fast and Furious service is two days.

Banks

The pension amounts that employers must transfer are kept by credit institutions. Today the Pension Fund has agreements with the largest banking organizations in the country.

Most often this request is made to Sberbank, since it has the most branches throughout Russia. Here you will need the same documents as in previous cases. An employee of the banking organization will register the data and then open access to your personal account. This is where requests are sent to obtain information about what amounts are received from the employer.

How to find a money transfer if the recipient says that the money has not been credited to his account?

First you need to contact the bank.
Since the entry into force of the Regulation of the Central Bank of the Russian Federation dated June 19, 2012 N 383-P “On the rules for making funds transfers”, the search for a transfer sent and not reaching the recipient has become somewhat more complicated, since the procedure for searching for a transfer is not prescribed in the Regulations of the Central Bank, but it is prescribed transfer revocation procedure.

How to find a money transfer?

Sberbank can say that “the payment was successful and it is impossible to recall it” only if it has indisputable evidence that the funds were actually credited using the specified details to the account of the specified recipient. Such evidence may appear in the case when your bank (after your request, naturally) requested the recipient’s bank and received from it an official confirmation of the transfer of funds, indicating: with what document, in what amount, to what account, what recipient and most importantly, in what day the funds are credited. But there is no such procedure in Bank of Russia Regulation No. 383-P, but there may be a paid service under a service agreement concluded between you and the bank.

And Sberbank has a “paid service” for searching for a missing transfer, but for some reason they didn’t offer it to you. The bank, without evidence, tried to convince you that the money went using the specified details to another bank (another branch) and was credited to the recipient’s account a long time ago. This indicates not only the bank’s reluctance to search for a transfer, but also does not give you grounds to go to court. To whom and what should you file a claim if you don’t know who is to blame and in whose account the money is?

In addition, the bank’s statement that “the payment was successful, as evidenced by the payment order” does not guarantee you that the money actually arrived and the transfer was credited by the recipient’s bank to your recipient according to the details specified in the payment order. In the end, there may be errors, technical glitches in bank programs when making payments, and erroneous crediting of funds to someone else’s account. In addition, it cannot be ruled out that the recipient of the funds is not “bluffing”; the money may have been in his account for a long time, but he does not “see” it yet.

Since your bank did not provide you with documentary evidence that the funds were credited as intended, then the solution to the problem of returning the funds and your further actions will depend on who is to blame for the situation, who to sue and to whom to file a claim for the return of funds.

So, in order to make sure who is telling the truth (the bank or the recipient) and where your funds sent by money transfer are now located, you need to “force” your bank to issue you a document confirming that the money transfer was credited for its intended purpose, but without going beyond the legal framework fields of the Regulations of the Central Bank of the Russian Federation dated June 19, 2012 N 383-P. How can I do that? Let's look at everything in order.

I’ll start with Sberbank’s statement that you will have to return the funds through the court. Such a statement is justified, but only if the funds are actually credited to your recipient’s account using the details specified in the payment order, and the recipient refuses to acknowledge the fact that they were credited to his account and refuses to comply with the terms of the agreement. Then yes, by attaching a bank certificate about the date the transfer was credited, you, on the basis of paragraph 1.25 of the Regulations of the Central Bank of the Russian Federation dated June 19, 2012 N 383-P, make a claim to the recipient of the funds. And if the recipient does not acknowledge receipt of the funds and does not return them, then the next step is to file a lawsuit to collect the debt (due to the missed opportunity to fulfill the contract).

This is what is said about this situation in paragraph 1.25 of the Regulations of the Central Bank of the Russian Federation dated June 19, 2012 N 383-P “On the rules for transferring funds”: “Banks do not interfere in the contractual relations of clients. Mutual claims between the payer and the recipient of funds, except those arising through the fault of banks, are resolved in the manner prescribed by federal law without the participation of banks.”

But, before starting work on clause 1.25, you need to make sure of one of the following points:

• your problem with transferring funds is not “the bank’s fault”, i.e. the sender's bank and the recipient's bank strictly executed your order and did not make errors or failures when crediting the money transfer to your recipient's account.
• the money is actually credited to the recipient's account.

In simple words, the bank must convince you that the money has actually been credited to the recipient’s account, and it can no longer be returned, or find a transfer that was not credited for its intended purpose and return it to your account.
But how can you force the bank to do this without leaving the legal framework of the provisions on transfers? So, let's see how to find a transfer and return funds using a bank? To do this you need to do the following:

1. If you received a message from the recipient that the funds did not arrive and even received his offer to revoke the payment, then go to your bank and, based on clause 2.14 of Regulation N 383-P, submit an application to revoke the order to transfer funds.
2. Based on the same paragraph of the Regulations of the Central Bank of the Russian Federation dated June 19, 2012 N 383-P, your bank, no later than the business day following the day the application for revocation is received, must send you a notice of revocation indicating the date, possibility (impossibility due to the onset of irrevocability of the funds transfer), revocation of the order and affixing the bank’s stamp and signature of the bank’s authorized person to the order on paper.
3. In order to give you a comprehensive answer regarding the impossibility of making a withdrawal or returning the transfer, the bank will have to check everything through the recipient’s bank. And since the withdrawal of an order is carried out only before the irrevocability of the funds transfer (before the date of crediting), then in the case of crediting funds for the intended purpose, you will be indicated the date of crediting the funds (if there was one).

This is how it is stated in paragraph 2.14 of the Regulations of the Central Bank of the Russian Federation dated June 19, 2012 N 383-P “On the rules for transferring funds”:

The order can be revoked before the funds transfer becomes irrevocable.
Revocation of an order submitted for the purpose of transferring funds to a bank account is carried out on the basis of a revocation application in electronic form or on paper submitted by the sender of the order to the bank.

Drawing up an application for revocation and the procedure for accepting it for execution are carried out by the bank in a manner similar to the procedure provided for the application for acceptance (refusal of acceptance) of the payer in subclause 2.9.2 of clause 2.9 of these Regulations.

The bank, no later than the business day following the day of receipt of the application for revocation, sends to the sender of the order a notice in electronic form or on paper about the revocation, indicating the date, possibility (impossibility due to the irrevocability of the funds transfer) of revocation of the order and marking the order on on paper, stamped by the bank and signed by an authorized person of the bank.

The application for revocation serves as the basis for the bank to return (cancel) the order. Etc.

Therefore, in order to find a transfer and competently appeal to the bank, you should study the full text of individual paragraphs of the Regulations of the Central Bank of the Russian Federation dated June 19, 2012 N 383-P (2.9.2; 2.14 ...), and you should also familiarize yourself with the entire provision. Not prevent. Good luck to you!

Federal Tax Service

Important! If a citizen’s SNILS is unknown, then you can find out all the information if you make a corresponding request on the official tax website. There, first select “Business Risks”, and then search by TIN. After entering the number and numbers, you need to click on the “find” button and study the received data.

In addition, if you don’t know your SNILS number, we can find it on the Pension Fund website. The only thing is that you first need to click on the region code. For Moscow, for example, it is 087. Then click on “Forgot Pension Fund Number” and indicate the TIN. As a result, a twelve-digit number will be displayed.

Is it possible to find out who the money came from?

When the standard method does not bring results, but you need to find out who transferred the money, then you should contact the operator at the branch. A written request is made there.

Having accepted the application, the bank employee undertakes to look at the information about the transaction in an impersonal form, that is, the situation that contributed to the enrollment will be described in detail. This is about:

1. Purpose of the transfer.
2. Operation time.
3. Place of departure of funds. So, if the debit was made from another card, the location of the branch in which the plastic was issued will be indicated.

Please note that no one will check the source, since this information relates to the processing of personal data and is protected by law, and the bank.

Being an operator of processing and storage of such information, it has no legal basis for issuing information about its clients to other service providers.

The President asks for a more careful approach to pension reform

According to the information provided, the proposed introduction by the authorities of the new pension reform project will have a systemic component, including the possible preservation of more privileges upon reaching retirement age (military, hazardous production environment, public sector employees and other categories).

Today, the threshold for obtaining pensioner status in the country is: for men – 60 years, for women – 55.

During the “Direct Line”, the head of state asked to take into account with caution all issues related to the initiative to raise the age limit for receiving a pension. It was also decided that the result of the change must necessarily be an improvement in the financial and general condition of older citizens. Options for major changes from the Cabinet of Ministers will appear soon.

The hope that the work will be completed on time and the opportunity to evaluate completed tasks are also important. We should not forget that the main priority of the emeritus program is to increase the material condition and living conditions of all older citizens, Vladimir Putin mentioned.

At the moment, the main task is to analyze all issues related to raising the retirement age, as Minister of Finance A. Siluanov mentioned on May 25 during an interview. The meeting also paid careful attention to the president’s instructions to increase pensions, the increase of which should significantly outpace inflation. To complete this task, replenishment of the Russian Pension Fund is required.

At the moment, the social insurance program (including increasing the rate for retirement) is ready for introduction and this procedure could happen in 2020, T. Golikova mentioned during the economic congress.