Pension fund personal account

Citizen's personal account

In a citizen’s personal account you can obtain information:

on how to submit an application for a pension for a citizen;
what documents must be provided to assign a pension;
about the method of receiving a pension (on a bank card, at Russian Post or at home, etc.)
how to obtain a certificate of receipt of a pension and its amount;
learn about the required social benefits and how to receive them;
issue a certificate about the status of your personal pension account;
find out about the balance of maternity capital or apply for it;
transfer existing pension funds to another contribution accumulation fund.

Law regulating compulsory pension insurance

Currently, it is Federal Law 167 “On Compulsory Pension Insurance”, which was issued in December 2001, that determines the existing pension system. In accordance with it, starting in 2002, the pension system was changed, and Russian citizens were required to become insured persons. Now, to account for pension and social rights, a personal account is opened and the insurance number of an individual personal account, or SNILS, is established. It is to this account that the employer transfers the amount of the mandatory insurance contribution monthly (simultaneously with the calculation of wages), which forms the future pension.

How to register in your PFR personal account?

To use the services provided by the pension fund, you must register on the government services website. Or directly on the pension fund website. You need a passport and pension insurance certificate, and of course, a computer with Internet access. On the pfrf.ru website, go to the electronic services tab. On the right is the inscription registration—click. In the window that opens, you need to enter your exact data.

First name, last name and phone number or email. Click the register button. A confirmation number will be sent to your phone to continue registration. Enter the code from the SMS message into the window. Next, you need to enter a password for the site. After this, you need to enter all your data (passport, SNILS, etc.). After this, you need to confirm your identity at the MFC.

Difficulties during registration

There should not be any particular difficulties during registration. But some users face difficulties. If, during registration, you do not immediately confirm your identity using the MFC (multifunctional center) or through a visit to Rostelecom, then over time the MFC employees may have difficulty verifying your identity.

To prevent this from happening, if you have been registering on the site for more than a year, you should check your passport details during registration and update them if necessary.

How to terminate a contract

The client has the right to terminate the contract with the NPF without specifying any reasons. To do this, you must send a corresponding application to your fund. It should be noted that it does not have a set form, but it is important to indicate where exactly the funds should be sent after termination of the contract. This can be either another NPF or a Pension Fund.

Attention! The law allows you to change the fund without loss of investment income only once every 5 years.

If the pension was formed within the framework of a non-state insurance program, then the client has the right, in addition to the above, to indicate the details of his bank account where the money will be transferred to him if he does not want to leave it in the pension system. However, the citizen will be required to pay personal income tax on the amount of interest accrued during the validity period of the agreement.

Forming a future pension in a non-state pension fund is the right solution to ensure a financially secure old age. However, you should approach the choice of a non-state pension fund responsibly, having carefully studied the agreement proposed for signing, checking for the presence of mandatory clauses and “pitfalls” in its terms.

Login to your PFR personal account

You can gain access to managing your own pension savings, monitor the timeliness of pension accrual, or find out about its upcoming increase using your personal account registered in the Pension Fund of the Russian Federation system. Now you don’t need to stand in grueling queues to get the information you need. It is enough to have a computer and access to the Internet. Moreover, you don’t need any special knowledge to use the site, the menu is intuitive, and the content of the site will allow you to get answers to most questions.

Logging into the system can be done in two ways: using a mobile phone and a SNILS policy.

Login by phone number

To log in to your account to work with the Pension Fund website, you need to do the following:

go to the main page of the Pension Fund of the Russian Federation and click on the link to go to the citizen’s personal account;

follow the “Login” link;

after which the system will warn you about the transition to the authorization form of the State Services portal;

indicate the mobile phone or email address used to register your account in State Services and the current password;

confirm entry.

After checking the data, the system will open access to the account on the pension fund website. Be vigilant, do not disclose your passwords to anyone and do not leave your phone unattended. The security of your personal data depends on this.

Login using SNILS

The second login method is also closely related to the State Services website. If you are registered on this portal, you should have entered your personal data. To obtain the “Confirmed” status, the system requested a SNILS number. If it was specified correctly, then you can log in using it. To do this, on the authentication page, select the SNILS tab and enter the insurance certificate number and the same password created for visiting the State Services website.

After checking the data, the citizen will be redirected to the PF page.

Subtleties of document preparation and signing

The nuances associated with the form, execution and procedure for terminating the agreement on non-state pension provision between citizens and non-state pension funds are subject to strict regulatory regulation. It is based on the provisions provided for in Art. Art. 36.3 – 36.5 of the Federal Law “On Non-State Pension Funds” No. 75-FZ.

Reference! The form of the agreement is approved by the Central Bank and therefore cannot be arbitrary.

In accordance with the law, the OPS agreement must contain the following information:

information about the citizen and NPF;
SNILS;
rights and obligations of signatories;
features of pension payments and the procedure for its establishment;
features related to the payment of funds to the legal successors of a citizen in the event of his death;
liability of the parties;
features related to termination of the contract;
procedure for resolving controversial issues between the parties;
details of the parties;
seal and signatures of the parties.

List of documents required for concluding an agreement

The list of documents that a citizen is required to provide in order to conclude an OPS agreement is very small. It includes a Russian passport and SNILS.

From April 1, 2020, the Pension Fund announced the cessation of issuing green cards . However, this does not mean that previously issued ones cease to be valid - they can also be provided at the place of request.

If there is no card, then to confirm the status of a person insured in the OPS system, you should provide a certificate from the Pension Fund of the Russian Federation, which can be obtained either by personally contacting the fund or electronically via the Internet.

Possibilities of the PFR personal account

Every citizen who starts using a personal account based on the Pension Fund has the opportunity to resolve many financial issues without contacting the organization directly, namely:

may submit a request for a pension payment;
receive a preliminary calculation of the expected pension;
formalize a waiver of the funded part of the pension;
find out full information about the pension you receive;
calculate accumulated points and calculate your pension using a calculator;
check upcoming accruals and allowances.

How to get SNILS?

You can register with the OPS system and receive a card at the Pension Fund of the Russian Federation at your place of actual residence. The methods of document execution depend on two aspects: the recipient’s age and his status .

For children under 14 years of age, the document is issued by parents or guardians. After receiving a passport, a minor citizen can go through the registration procedure independently.
Citizens getting a job for the first time, if they do not have a card, apply for it through their employer.
Unemployed citizens are required to complete the document themselves.
Foreigners living temporarily or permanently in Russia can obtain a document either through their boss, with whom an employment contract has been concluded, or by independently contacting the fund.

Important! It is currently not possible to issue an insurance card online. Even the Gosuslugi portal does not provide such a service.

Submitting an application to receive this document is impossible for one reason: in accordance with the Federal Law “On individual accounting of compulsory pension insurance”, all data of the insured person is confidential and accessible only to fund employees and the owner of the personal account.

Let's look at two ways to obtain this document step by step - independently and through the employer.

On one's own

To obtain a certificate, you need to contact the Pension Fund of the Russian Federation with your passport and a copy of it .
The Pension Fund requires you to fill out a short form in the ADV-1 form indicating information about yourself: full name, passport, residence and registration address, place and date of birth. If the certificate is issued by a parent for his child, then he needs to provide the child’s birth certificate and his passport.
The document is produced in about 3 weeks . After this period, you can pick up the finished certificate from the Pension Fund.

Through the employer

For those who get a job, it is much easier to obtain a certificate - the employer takes full responsibility for issuing SNILS .

Those wishing to register as an OPS will only need to fill out a form in the ADV-1 form and submit it to the employer along with a copy of their passport.
The employer is obliged to send his data to the Pension Fund of the Russian Federation within two weeks after the employee is registered.
The completed document is handed over to the employee’s boss or the HR department, and he, in turn, gives it to the employee.

Reference ! You can also submit an application for a card at the MFC if the Pension Fund in your city interacts with this institution.

Pension Fund personal account services

Using your personal account, you can receive services in electronic and non-electronic form.

For example, you can electronically receive a certificate for maternity capital or information about targeted social assistance. You can find out in person or on the website about payments due to disabled children.

Make an appointment

Using your personal account, you can make an appointment with a pension fund specialist to receive advice on various issues. You can get information about what documents you need to collect to assign an old-age pension.

Ordering certificates and documents

You can receive various certificates through your pension fund personal account:

certificate of pension amount;
certificate of the amount of required maternity capital;
statements about the status of the insured person's personal account;
order a duplicate SNILS.

To order a certificate, you need to go to the section for pre-ordering documents/certificates from the Pension Fund of Russia.

Search for customer service

Pension fund client service is a fairly new development. It does not yet exist in all regions of our country. The customer service provides for even greater access for the population to receive services and information about pensions.

In some areas, special terminals are installed for this purpose, with the help of which anyone can log into their personal account and receive the necessary information.

Reception of requests

Applications are accepted in person and by telephone. You can make an appointment with a specialist in advance and resolve any issues that arise during a personal visit. In addition there is a counseling center. Calling a toll free number 8-800-302-2-302

. General questions that do not contain personal information can be asked by phone. A question containing personal data is better for the online reception of the Pension Fund of Russia.

Pension calculator

In the personal account section of the pension calculator, every citizen can find out how the future pension will be formed. To calculate your pension, you need to know the basic data and enter them in the appropriate windows. Or rather, work experience in years, salary, periods of military service, study, and maternity leave. The figure calculated by the calculator, of course, will not be accurate.

Generation of payment documents

In order to independently make contributions to the pension fund, there is a section for generating payment documents. Once there, you need to choose between the insured person and the policyholder. Next, details will appear that you can print.

Is it possible to transfer from the Pension Fund to the Non-State Pension Fund?

In accordance with current legislation, a citizen whose pension is formed in a state fund has the right to transfer its funded part to a commercial organization. For these purposes, a mandatory security agreement must be concluded between the NPF and the citizen.

After this, the insured person must submit an application to the Pension Fund in the prescribed form. This can be done either personally by contacting the pension fund branch, or through a representative who must have the appropriate power of attorney. The application must be submitted before December 1 of the year of signing the contract.

Attention! According to the Federal Law of 05/07/1998 N 75-FZ (as amended on 07/26/2017) “On Non-State Pension Funds”, the PPS agreement comes into force from the moment the pension savings transferred by the previous insurer are received into the account of the new insurer.”

Citizens are allowed to transfer from one fund to another no more than once a year.