What to do if your pension is underpaid: algorithm of actions


How long does it take to process your first pension application?

The official deadlines for consideration of the application are established by Federal Law No. 173. It regulates the conditions, length of insurance, amount, recalculation and other issues related to security. Article 18 states that the application is considered within ten days after submission. However, if some of the documents are missing, the calculation begins after they are reported.

Postponement of consideration of an application for a pension

The procedure for applying for a pension stipulates that when submitting an application to the Pension Fund without the necessary papers, a deferment is issued. This applies to cases in which documents are either expired or not properly completed.

The duration of the deferment is three months. Ignoring it “nullifies” the application and requires the applicant to re-collect all documents to submit to the pension fund. However, if the deadlines are met, the verification will last for ten days, as originally expected.

When can I expect my first pension?

If problems arise with registration or appointment, the citizen will be notified using the contact information available to the fund. Usually this is either an SMS or a letter.

Conclusions and recommendations

  1. The pension assigned to you at the end of the month will be paid only in the next month.
  2. The decision to accrue a pension is made within 10 working days, although it may be delayed due to compelling reasons.
  3. The pension payment schedule through Russian Post or Sberbank may be delayed due to weekends or holidays.
  4. If the pension assigned to you does not arrive on time, you have the right to seek clarification from the bank that issues your pension, the Pension Fund, and even the prosecutor’s office.

Author

Breslav Lev Andreevich

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Conditions for payment of security

Payment of a pension is possible only if a number of conditions are met:

  • compliance with basic requirements: submission deadline, set of documents;
  • The application is submitted to the Pension Fund at the place of registration of the citizen.

The security is established at the moment the application is accepted. However, it cannot be taken into use before the right to it has arisen. This means that submitting an application, for example, before retirement age, is impossible.

The only exception is dismissal from work. If a person is officially working his last days, he can submit a request for payment of security.

Regarding payments, it is worth noting the following nuance: in old age, the pension is paid personally to the citizen, depending on the chosen method, but it is also possible to issue a power of attorney in person. Having this document in hand, another person will be able to receive payment. A valid power of attorney and a correctly indicated place of registration of the pensioner are required.

Receiving a pension is of a declarative nature, which a priori implies independent actions by the citizen to obtain it. The state does not maintain the database and does not make these payments automatically.

Stop payments

When we have considered the nuances of the procedure for applying for a labor pension, we will consider the conditions under which its payment stops:

  • failure to apply for it within 6 months;
  • expired residence permit in the Russian Federation;
  • lack of valid documents in accordance with which the pension should be assigned;
  • lack of official notification of departure to another country.

Direct termination is made for six months with the possibility of restoration.

The pension is paid for the past month or in advance

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Deadlines for calculating old-age pensions

Now regarding the timing of pension payment after its appointment. The legislation establishes the following procedure: accrual is made on the first days of the month in which the application was submitted.

For example, a pension application was submitted on May 10. This means that, in accordance with the review period, official issuance will be made starting from May 20. The pensioner will receive money for May, but only from the 10th to the 31st. If the Pension Fund does not fulfill its obligation - it is not entered into the documents on time - in June the payment will be made for two months.

Insurance coverage, according to Federal Law 400, is assigned at an earlier date than the filing of an application for it. This applies to disabled people and families who have lost their breadwinner.

When can I expect my first pension?

When will the pensioner receive money?

The specific date for full issuance depends on local executive authorities. The citizen has no influence on this and cannot choose. The monthly payment receipt date is determined directly when all documents are issued to the Pension Fund.

However, the law sets the only restriction on the formation of the date - no later than the 10th day of each month.

It is also worth considering the following nuances that directly affect the speed of issuance of pensions:

  • location of the subject of the Russian Federation - the further from Moscow, the higher the likelihood of delays;
  • number of parallel applications - a larger number of pensioners increases the total period for consideration of all applications;
  • the volume of the federal budget - if expenses are aimed at eliminating emergencies or other circumstances, a delay in pensions is normal.

A special case is also the relocation of a pensioner. This increases the time frame due to the need to re-register all documents and, in some cases, change the amount of payments.

Shifting the date of pension payments

The timing of receiving a pension may be changed if payments fall on holidays or weekends. Often the offset is made to an earlier date. However, it is worth noting that the maximum possible period of “movement” is no more than 3 days.

What to do if your pension is “stuck”

What if the pension doesn’t arrive on time? This may depend on various reasons, from difficulties with the annual indexation of pensions to problems with electronic systems. Most often, such incidents occur when transferring pensions through a bank.

The maximum period of delay is determined to be 5-7 days, but if the pension is stuck in transit for a longer period, you will have to contact the bank issuing your pension or the nearest branch of the Pension Fund.

The bank is required to provide you with information about all transactions with your account, but the Pension Fund bears the final responsibility for failure to receive your pension on time . He must find out the whereabouts of your money.

You also have the right to file a complaint with the prosecutor’s office, indicating a list of actions you have taken to clarify the situation and, preferably, reporting that the pension you did not receive on time is your only source of livelihood.

How do different methods of receiving a pension affect the timing?

It is worth considering not only when the pension is paid after appointment, but also what influences the timing of payments. The simplest example is the method of receiving payments. Depending on the chosen method, the timing changes:

  1. Mail. Receipt of the pension must be made either directly at the post office or by handing it over by courier. The entire schedule, delivery conditions and payment amounts are regulated by Russian Post. She also sends a written notice to the home stating all changes and when they will take effect.
  2. Bank. Receipt can be made any day. Funds are received by the 15th of each month. If changes are made to the established payment procedure, the pensioner is sent a written notification.

One way or another, failure to meet the established deadlines also does not “reset” the pension, and you can always return for it later.

Pension: if it arrives on the 9th, then it is for the past month or the current one

Indeed, how does the state pay pensions, before or after residency? If you think logically, a pension is issued for a well-deserved length of service and is a guarantee of the existence of a person of old age; if there is no pension, then how to live, and in order to live, you also need to eat. Therefore, we have worked, submitted documents to receive a pension and are waiting for the accrual for the first month before the start of our stay, that is, first the pension, and then we live. More clearly - for the current month.

In the Russian Federation, pensions are paid for the current month. The man has already earned this money. He must receive a pension for the month in which he lives, eats, pays for utilities, and pays for medicines. So, if a person receives a pension in December, this means that the pension was accrued specifically for the month of December.

How the pension is paid: month to month or month later

If a credit institution (bank) is selected, it is possible to receive money on a plastic bank card. In this case, the amount received is considered to be the amount that was transferred by the bank to the pensioner’s personal account.

The disabled person underwent re-examination on January 21, respectively, for this month he was left without pension accruals, but did not worry, since he was aware that he would receive his funds simultaneously with the February payments. However, in February, March and subsequent months the pension arrived without corresponding accruals.

The pension is paid in advance or for the past month

These payments must be made within 1 year. Unfortunately, maternity leave refers to those periods when an unemployed woman does not receive money. Let’s say that since the state benefit was assigned, payments have been suspended several times. In addition, unpaid time includes: Thus, no benefits are actually paid.

If a long search for a good job does not lead to the desired result, it is better to join the labor exchange and receive at least a little money from the state. How, to whom, how much and under what conditions unemployment benefits are paid, we will tell you here. The main condition for the assignment of benefits is the official recognition of the citizen as unemployed.

Payment of pension after filing an application

The pension payment schedule is a pressing topic for any citizen who is entitled to social transfers. Let us immediately note that the frequency of receipt is not tied to a specific date or day of the week, so it can be postponed to an earlier or later date.

The recipient is informed in advance about any changes in the procedure for transferring funds. For this purpose, the resources of regional media agencies, stands located in pension funds and other social institutions are used.

General provisions

When a Russian citizen reaches retirement age, allowing him to interrupt his career and retire, he must apply to the regional branch of the Pension Fund of the Russian Federation for the insurance payments due to him.

Calculation and accrual of payments occurs no later than 10 working days from the date of application and submission of the required package of documents for consideration.

A pension is assigned from the date of application for its assignment, but not earlier than from the date the right to a pension arises.

Each pensioner has the right to independently determine the organization that will conduct transactions, as well as the delivery method. Currently, there are three options for receiving:

  • in person, with delivery to your actual residential address;
  • transfer to a bank card;
  • in person, at the cash department of the selected organization.

Any accruals due to a citizen are carried out in strict accordance with the established regulations. According to current legislation, the frequency is established by the leadership of the region or region, therefore each region of the country follows its own schedule.

Regardless of the chosen method, the frequency remains unchanged and occurs in accordance with the established schedule.

Receipt procedure

According to Article 21 of the current law “On Insurance Pensions,” a citizen can receive the transfers due to him through a credit institution by crediting the amounts of the insurance pension to the pensioner’s account in this credit institution or through postal organizations and other organizations engaged in the delivery of insurance pensions, by delivering the amounts to the insurance company. pensions at home or at the cash desk of the organization making the delivery.

If a person does not have the physical or other ability to independently receive the due accruals, he can issue a notarized power of attorney to another person who will collect the money. In this case, annual confirmation of the pensioner’s registration at the place of receipt of the pension will be required if the power of attorney is issued for a period of more than 12 months.

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Definition of a graph

According to the current legislation of the Russian Federation, the transfer of funds for social, insurance and pension transactions must be carried out in accordance with the established schedule. This is indicated by Order of the Ministry of Labor No. 885n dated November 17, 2014.

It says here that the billing period starts on the 3rd of each month.

Based on these deadlines, each pensioner is stopped from receiving the required funds.

If the established deadlines fall on holidays and non-working days, the schedule is shifted to an earlier period, but not earlier than 3 days before the date of receipt of the pension according to the schedule.

Example

In May 2020, the usual frequency was shifted due to holidays. The following changes were introduced in various regions of the country:

  • Moscow - for pensioners receiving funds on May 7 and 9, the deadlines have been moved to the 4th and 5th, respectively;
  • Vladimir - for citizens who were entitled to social benefits according to the schedule on May 9, the deadline was postponed by 1 day, that is, the funds were received on the 8th;
  • Voronezh - here payments for May 7 and 9, 2020 were postponed to the 5th and 8th.

Please note that the changes affected only one billing month; after that, accruals will be made in the standard mode.

If the pensioner was unable to receive payments on time, they will be delivered later within the month of delivery or in the next month.

The period for claiming a lost pension due to the fault of a pensioner is three years; if the pension is not received due to the fault of a government agency, then the period for claiming is unlimited.

Do you need expert advice on this issue? Describe your problem and our lawyers will contact you as soon as possible.

Methods of obtaining

For personal convenience, each pensioner can choose any of the proposed methods of receiving funds:

  1. Post office. In this case, you can receive funds yourself by personally visiting a post office or at home.
    In any case, the exact day of transfers is determined by Russian Post, which also notifies recipients of changes in the payment schedule.
  2. Bank .
    Accruals go to the pensioner’s personal current account at a credit institution. The advantage of this option is that you can accumulate and withdraw funds at any time, regardless of the set date. There are no commissions or interest charged for this.
  3. Organizations .
    Pension delivery companies operate in a similar way to post offices. The billing period is identical to that of Russian Post. The list of such organizations can be found in the regional branch of the Pension Fund.

The pensioner has the right to change the method of receiving transfers to a more convenient one at any time. This can be done based on:

  • written application to the Pension Fund or MFC;
  • electronic appeal on the public services portal.

When a pensioner personally applies to one or another organization with an application for the delivery of a pension, you must have with you:

  • passport,
  • SNILS;
  • details of an account opened with a credit institution (if the pensioner wishes to deliver by this method).

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How the date is set

The pension delivery period implies a specific date, which does not depend on the wishes and requirements of the recipient. It is curious, but the exact day of transfers is not regulated at the legislative level, but is under the jurisdiction of local executive authorities.

When setting the date, the following factors are usually taken into account:

  • number of recipients;
  • features of the payment region;
  • subsidies from the federal budget.

[2]
The exact date of receipt of funds is communicated to the pensioner at the time the pension is assigned. This information can always be clarified at the municipal office of the Pension Fund of Russia by presenting your passport.

The pension is paid in advance or for the past month

My sister’s husband was very ill, well, everyone knew that he would die, they gave him 1st group of disability, they brought him in the fourth month, and he just died, my sister cried, asked the postwoman, she didn’t give it, she said it’s not allowed. Like this. In the Russian Federation, pensions are paid for the current month. The man has already earned this money. He must receive a pension for the month in which he lives, eats, pays for utilities, and pays for medicines. So, if a person receives a pension in December, this means that the pension was accrued specifically for the month of December.

The pension is paid in advance or for the past month

In cases where the last days of the current month are holidays or fall on the weekend of the organization paying or delivering the pension, the pension must be paid (delivered) no later than the last working day of the current month. The pensioner has no right to claim payment of a pension for any certain dates. However, for the convenience of pension recipients and organizations delivering them, a pension delivery schedule is established.

If the pension or part of it was not received due to the fault of the body providing pensions, it is paid for the entire past time without limitation by any period, i.e. and for a period exceeding 3 years. These rules also apply to cases where the pension was paid, but at a reduced amount.

The pension is calculated for the past month or forward

Let us remind you that the login and password specified when registering on the government services portal are also used to receive electronic services on the official website of the Russian Pension Fund www. Here you can submit an electronic application for a pension or monthly cash payment, choose a pension delivery method, obtain information about all established payments, and also order the relevant certificates. Mothers with children, without leaving home, can apply for a certificate for maternal family capital, manage its funds, and also find out about the balance of funds. An important function of a citizen’s Personal Account is the ability to check the correctness and timeliness of the employer’s payment of contributions to compulsory pension insurance. To do this, you need to order an electronic extract from your individual personal account. The information contained in it, its completeness and reliability will be necessary in the future when assigning an insurance pension.

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