If the amount received on the pension card is more than usual

For modern pensioners, the simplest and most convenient way to receive pensions is to transfer them to a Sberbank card. There is no longer any need to stand in hours-long queues at post offices or wait, unable to go anywhere, for the postman to arrive home. A Sberbank plastic card is a multifunctional tool that also helps to quickly make all necessary deductions.

It is worth considering that a pension is sometimes the only source of income for Russians, and problems with its transfer can seriously reduce the quality of life of an elderly person. But what to do if the pension has not arrived on your Sberbank card, where to call - you need to be able to solve these issues so that nothing threatens your own well-being. Knowing what to do, the elderly person will quickly find out the reason for the “loss” and restore their deductions.

It is worth knowing the whole sequence of actions if there is a long delay in receiving a pension on a Sberbank card

General provisions on payment of pensions to the card

To receive a pension on a card, you need to write an application. You can fill out the form at the Pension Fund branch, Sberbank offices, and departments of multifunctional centers. To transfer a pension you need to provide a passport and SNILS. You can also submit an application online, on the bank’s official website.

Receiving a pension on a card has a number of advantages:

• no need to go to a bank branch or wait for the postman;
• the pension is transferred instantly immediately after accrual by the Pension Fund;
• no need to worry about the safety of funds and carry cash with you;
• additional income in the amount of 3.5% per annum , which is accrued every three months on the card balance;
• fast payment for housing and communal services;
• bonuses when purchasing goods from partner stores.

Card issuance and maintenance is free of charge. No commission is charged for basic transactions: cash withdrawal, account replenishment, telephone and rent payments. If an elderly person cannot withdraw cash from a card, any loved one can do this; you do not have to draw up a power of attorney for this.

Sberbank Maestro pension card.

The procedure for determining the timing of pension receipt

First of all, you need to understand the procedure for creating a pension payment schedule. Such a schedule is developed by the Russian Pension Fund in accordance with the legislation of the Russian Federation. This was done for the following purposes:

• uniform use of budget money;
• possibilities for planning your expenses by the Pension Fund.

At the same time, each subject of the Federation independently sets the terms of payments, thus regulating their duration. To know when you will receive your pension, you need to understand the methods of its delivery.

The Pension Fund of the Russian Federation pays pension benefits through:

• Sberbank;
• Russian Post;
• other credit institutions (this includes large Russian banks - VTB, Alfa Bank, Gazprombank, etc. - a total of 19 financial organizations).

When is a pension transferred to a Sberbank card? For the convenience of pensioners, counterparties of the Pension Fund and the fund itself, each type of delivery has its own time frame. For example, in St. Petersburg, the Pension Fund in 2020 established pension payment periods:

• via Russian Post - from the 3rd to the 21st of each month inclusive;
• crediting to a Sberbank card – from the 19th to the 23rd monthly;
• transfer through other credit organizations - from the 16th to the 25th.

As can be seen from the above chart, the day the pension is received depends on which delivery method the pensioner chose when completing documents at the regional office of the Pension Fund. At the same time, the given graph does not mean at all that other subjects of the Federation work this way. It is shown as a principle for determining the timing of pension benefit payments.

To navigate when transferring a pension to a Sberbank card in another region, and for the pensioner personally, you need to register a personal account on the Pension Fund portal (https://www.pfrf.ru/). Since the older generation is not very good with the Internet, you can ask your children or grandchildren to look at the time period when their pension benefits will be calculated.

Are pensions transferred on Saturday?

Many pensioners are concerned when the date of receiving their pension falls on a Saturday or Sunday. Here are a few points to consider:

• Pensions are calculated not by Sberbank, but by the social protection department of the Pension Fund. It only works from Monday to Friday. Weekends turn into working days only if holidays are postponed.
• The fund has a rule: Saturday pension is transferred on Friday, Sunday pension on Monday.
• Sberbank manages to process all data on pension credits on Friday if the lists are submitted before 15.00. If the package of documents reaches the bank at the end of the working day, pensioners will see most of the deposits on Saturday, since the Sberbank processing center works later than its branches.

Attention: due to the large volume of work, when both the issuance of salaries and the calculation of pensions coincide on Friday, the bank meets clients halfway and credits funds to cards on Saturday, and therefore they may appear on the card on Sunday. There are cases of Friday pension being credited on Monday, but they are not typical for the bank.

When is the pension transferred?

The date when the pension arrives on the Sberbank card depends on the Pension Fund, and not on the bank. He is only an intermediary between the state and the citizen in the payment of social benefits. Modern technologies make it possible to quickly process data sets with the names of pensioners, their personal accounts and pension amounts. Therefore, pensions are credited on the day the Social Security Department submits a package of documents to the bank.

In accordance with the rules established by the internal regulations of the Russian Pension Fund, pensions:

• issued to pensioners on the same date every month;
• paid by the 25th of each month;
• are accrued to each individual individually, based on the time the pensioner received the first amount;
• are transferred to the Mir card (previously issued Maestro cards are exchanged for free for Mir cards as they expire).

The same regulation allows for a delay in the payment of pensions for technical reasons for a period of no more than 3 days.

To change the time you receive your pension, you must write an application on a special form from the Pension Fund of the Russian Federation to switch to another method of pension delivery: through Russian Post or another bank with which the fund cooperates.

It is not possible to make changes to the time of accrual of pension benefits within one method of receiving a pension.

The procedure for receiving a pension on a Sberbank card

Starting from July 2020, the pension is credited to a card running on the MIR payment system. All previously issued Maestro cards will be valid until the expiration date indicated on the front of the card. After this date, the old card can be exchanged for a new one free of charge by contacting the bank employees.

MIR card for pensioners.

Determining the transfer schedule

How the date is set. If you do not have the opportunity to check your card balance in a timely manner, you can find out whether you received a pension this month by calling the Pension Fund hotline. It is this organization that determines the procedure and timing of settlements, and the bank acts only as an intermediary.

Sberbank does not accrue funds and does not set a pension payment schedule. The transfer always takes place on the same date of the month. It is possible to postpone the payment date by 2-3 days for technical reasons. The terms for crediting funds may vary in different regions.

The reason for this is the need for an even distribution of Pension Fund funds. In most subjects of the Russian Federation, pensions are calculated before the 15th of the current month. In other regions, pensions are transferred no later than the 21st of each month.

You can withdraw the funds received on any convenient day. As a rule, the first pension accrual is considered the starting date; it is this date of each month that you should wait for a new receipt of funds.

Frequency of transfers. Citizens who receive a labor pension receive payments monthly. Accrual occurs for the current month. The schedule may change throughout the year, it depends on many factors: the number of pensioners living, territorial and administrative features, the amount of allocated funds.

The Fund notifies citizens of the upcoming accrual date through the media and announcements. Some divisions of the Pension Fund draw up an accrual schedule in advance and post it on their website.

Deadlines for accrual of social payments

Unlike working citizens, retired persons are paid money not at the end, but at the beginning of the month. Sometimes pension payments do not arrive on the same day as always, but later. Sometimes earlier.

Important! The deadlines for transferring pensions to a Sberbank card are set by the Pension Fund of the Russian Federation at the local level. The bank acts as an intermediary that transfers money from the Pension Fund to the pensioner’s bank card.

You can find out what date your pension is transferred to your Sberbank card by looking at the first date of financial receipts. In subsequent months, this figure remains relevant. There are general principles for calculating pension payments, according to which a retired citizen will be able to determine the period himself:

• The money can arrive on the card within 2-3 days. The delay is the same.
• The Pension Fund has a schedule for transferring funds. Typically, benefits are sent to cards on the same date of each month. The exception is a weekend or holiday.
• The timing of payment of money from the Pension Fund is determined individually. The timing is determined by the date the pensioner receives the first payment.
• If the regional Pension Fund accepts the transfer date not before the 15th, the money should arrive on the bank card no later than the 21st.

Almost all regional representative offices of the Russian Pension Fund have accepted the date for the transfer of social charges before the 15th, since money for pensioners is not credited at the end of the month, but for the current month.

Methods of obtaining

There are several ways to receive a pension:

• at Russian Post;
• pension can be delivered to your home;
• to a bank card.

If you prefer to receive money in person at the post office, they will create a schedule for you and tell you what date you need to appear in the next month. This method is not the most convenient, because you will have to wait in line or wait for the postman to arrive at your home. You will not have to pay for delivery of your pension. If the pensioner is not at home when the postman arrives, he can receive the due payment at the post office. Payment by proxy is also possible.

If you have chosen the method of receiving your pension on a Sberbank card, after transferring the amount you can use any ATM or terminal to withdraw cash. To do this, enter your plastic card and enter the PIN code, then select “Cash Withdrawal” and indicate the required amount. You can also make non-cash payments directly from your bank card.

If the store has a payment terminal, insert your card into it and enter the PIN code. If the card supports contact payment, make sure that the payment amount is correct and place the card on the reader.

Features of receiving pension payments

There are several ways to receive benefits:

1. Delivery by postman to your home.
2. At the post office.
3. On a plastic card.

If you choose the option of transferring your pension to a Sberbank card, you can withdraw cash from any ATM. To always be aware of receipts and debits from the card, it is advisable to connect. For pensioners, the first 2 months are free. In subsequent months, a payment in the amount of 30 rubles is debited from the card according to the rules established by Sberbank.

For what reason may the money not be transferred?

The process of crediting pensions to the account is not fully automated. During its execution, failures and errors may occur, due to which the transfer of funds may be delayed. The reason for this may be a malfunction in the system, an error by bank or Pension Fund employees.

Check your card balance regularly and if you find an error, immediately contact your bank or Pension Fund. First of all, get account details from the bank, which will confirm that social payments were not transferred. Then check the information about the transfer of funds from the bank and the Pension Fund.

For convenience, you can connect your mobile bank to receive an SMS notification every time you debit or top up your account. For pension card holders, the first two months of the service are provided free of charge, then a monthly fee of 30 rubles is charged.

What to do if the pension has not been credited to the card

It often happens that funds are not credited to the plastic card on time. Transfer to the card is carried out manually by operators. In this regard, errors and failures in transactions occur. If your pension does not arrive on your Sberbank card, this is due to human factors or technical errors.

The deadlines for paying pension accruals are missed due to various reasons:

• There are not enough funds in the Pension Fund of the Russian Federation.
• While filling out the payment order, Pension Fund employees made a mistake.
• Shortcomings in preparing a citizen’s pension file.
• The process of indexing pensions, which is why fund employees do not have time to prepare documentation on time.
• The pensioner provided incorrect information when applying for a pension.
• Software reconfiguration (bank holidays).
• The bank incorrectly indicated to the Pension Fund the details of the pensioner’s payment instrument.

Important! If social benefits are not credited for 1-2 days, there is no need to worry. If the delay is more than 5-6 days, contact the Pension Fund immediately.

When incorrectly completed documents arrive at the Savings Bank, the money will definitely be transferred. The bank does not have the right to deliberately withhold pension funds - the law establishes large fines for this.

If the first pension arrived late, contact Pension Fund employees to check the papers submitted for the calculation of pension payments. This may be the reason. When the benefit is not received, and the fund’s employees say that the paperwork for payment has been transferred to the bank, you need to get a personal account statement from the financial institution to make sure there is no money. A complaint is filed against specialists who make a mistake.

Changes in 2018-2019

At the moment, the Pension Fund has not announced significant changes in the pension payment schedule for 2020. Reforms in this area mainly affected the procedure for calculating pensions.

Now, in order to receive a pension, you must receive 13.8 pension points and 9 years of officially confirmed work experience. By 2025, it is planned to introduce a standard of 15 years of experience and 30 points . One-time payments in the amount of 5 thousand rubles were not paid in January.

Establishing the day of treatment

If you believe Federal Law No. 400, then a pension for disabled citizens is assigned immediately after a disabled person has applied to the Pension Fund of the Russian Federation with a corresponding application. However, there are exceptions to this rule provided for in parts 5 and 6 of the mentioned federal law :

1. It is worth noting that the day of application for a pension is considered to be the day on which the advising organization accepted from the applicant all the documents necessary for registration. But if the application itself was sent by e-mail, then the day of application is considered to be the date written in the postmark of the organization engaged in e-mail delivery.
2. We must not forget that the period for calculating a pension may be extended due to difficulties during registration, for example, if a disabled person forgot to attach any important document to the general package. Missing papers must be provided no later than 3 months from the date of receipt of notification of the incompleteness of the package of documents

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Features of payment of disability benefits to a Sberbank card

The specifics of calculating a disability pension depend on many factors. The category of disability matters: confirmed or lifelong. For those who are assigned a lifetime payment, the procedure and procedure for receiving it does not differ from a regular labor pension.

Those who have to undergo an annual examination to confirm their right to payments must adhere to a special procedure. The payment date may change annually and depends on the time of completion of the commission.

The deadline may be delayed for several days due to bureaucratic formalities between the medical institution and the Pension Fund. Money is transferred monthly, on the same day. It is possible to postpone the date by 1 - 3 days for technical reasons.

Do payment terms differ by type of pension?

Disability pension

A disability pension is calculated on a slightly different principle than a regular one, and the timing of the transfer depends on a number of aspects.

For the most part, this is due to the fact that persons with disabilities are required to timely confirm their health status every year by passing special commissions. But this remark does not apply to people with lifelong disabilities - they receive payments according to the same rules as ordinary pensioners.

The transfer of funds for categories of citizens who have confirmed their incapacity for work takes place according to the following canons:

• Payments occur every month on a fixed date.
• The date of transfer of pensions to the personal account is determined based on the time of passing a medical examination that officially confirms the status of a person incapacitated for work.
• The period for transferring funds depends on the speed of exchange of relevant documents between the Pension Fund and the medical commission.

As a rule, after official confirmation of his own disability, a citizen of the Russian Federation receives a notification about the scheduled date of payments, then a schedule is drawn up when the benefit will arrive directly to the card.

Calculation of survivor's pension

As for the labor pension for the loss of a breadwinner, disabled persons who are close relatives of the deceased and who are dependents have the right to receive it. The timing of the transfer of this type of pension is influenced by two factors:

• Date of application.
• Date of official assignment of the right to pension payments.

The further crediting of the pension to the Sberbank card depends on how these factors correlate. In the event that a dependent applies to receive social financial benefits within a year from the date of death (absence) of the breadwinner, the money will be transferred to the account starting from the date registered in the certificate.

If an applicant for a pension declares his right after a year, then payments will be made only for 12 calendar months by the date of the application.

Thus, the main condition for receiving this pension is a timely application for the appropriate insurance benefit. What should I do to get it? You need to contact the Pension Fund.

Example:

• The husband of citizen K., who gave birth to a young child (2 years old) in this marriage, died on April 16, 2015.
• For a number of reasons, she did not apply for insurance benefits during the year.
• The application to the Russian Pension Fund was received from her on April 13, 2016.
• After reviewing all the documents, PFR employees were able to verify the validity of this application.
• Pension payments were assigned in favor of the specified citizen K.

Survivor pensions are divided into two types: open-ended and time-limited. The following payment restrictions are highlighted:

• Before reaching adulthood.
• Until the end of full-time education (i.e. up to 23 years);

Permanent payments are made to persons who have reached retirement age at the time of loss of a breadwinner, and to disabled people.

Pension provision for military personnel

Payments to military personnel are legally divided into the following categories:

1. For length of service - then the pension calculation schedule is calculated in the same way as the schedule of ordinary labor pensions.
2. Upon the loss of a breadwinner as a result of the death of a military man, payments are required to be made to his family. Payment dates are determined by the same rules as for a regular survivor's pension.
3. For disability - in the case when a military person is officially assigned a disability group.