Employers and employees: on the reporting and pension rights of citizens

The FIU in the Pavlovsk region has conducted a reconciliation and analysis of the reports submitted by employers on the forms of Szv-M and Szv. As a result, a large number of discrepancies and errors in the reported data are revealed, which shows a formal approach to sostavleniiju reporting by responsible specialists, as well as insufficient control by managers Enterprises and organizations. In essence, both forms of reporting contain information on the work of the citizen, only the form of Szv-M is served to confirm the fact of the employee, and the form of szv-seniority specifies this period of work. However, very often there is a situation when for the same period the information on the insured person is submitted in one form of reporting and is absent in another. It remains only to guess, what is the reason of it-inattention of employees of the enterprises at drawing up of reporting or absence of the proper personnel and accounting records. And in fact the information from the submitted reports are reflected on individual personal accounts of employees and eventually form their pension rights. In addition to reporting submitted by employers to the FIU, there are reports on the accrued and paid insurance premiums on compulsory pension insurance, which is submitted to the tax authorities from 1 January 2017. The amounts of the insurance premiums from this reporting are also reflected in the personal accounts of the citizens. But here too, sometimes there are situations when the employer, judging by the information provided, accrues wages and pays contributions to a person who does not work, because during the reporting period this person has no work experience. There is a reverse situation when information about the seniority is submitted, but there are no information about insurance contributions for the same period. Please note that periods for which insurance premiums are not paid in the submitted information are specified with a certain encoding. For example, the period of care for a child under 1.5 years is encoded "children", leave without pay-"neopl", etc. If there is no coding experience, the absence of insurance premiums is unacceptable. Thus, it becomes clear that numerous mistakes allowed by employers directly affect the pension rights of their employees. and taking into account the fact that the reporting of seniority and insurance contributions since 2017 is given to different departments, employers need to be doubly attentive in the preparation of reporting.

The basis of formation of the future pension of employees is first of all insurance premiums, but the influence of seniority on the size of pension also should not be underestimated. The relationship here is direct, the longer a person works, the more insurance premiums are paid for it. In addition, in order to qualify for pension payments in time, a person should, by the time of reaching the retirement age to work appropriate insurance period. The minimum insurance period is gradually increasing and will be 15 years by 2025. If for various reasons by the time of retirement of the person such seniority is not received, and accordingly points are not accumulated, he will receive social pension and it can be issued by five years after the term (men in 65 years, women in 60 years).

It is no secret that some people work informally or part of the salary get "in the envelope". At the same time, they simply do not think about their future pension. Unofficial payment of wages by employers entails not only violation of the existing legislation, but also infringement of social rights of the employee. On the size of the official salary directly depends the size of the future pension of working citizens, because it is the basis for the assessment of insurance contributions to compulsory pension insurance. The employer, paying the salary "in the envelope", deprives employees of a decent pension in the future, because the "grey" salary is not made contributions to the Pension Fund.

Even more severe consequences involve work without formal labour relations. In this case, employers do not charge compulsory insurance contributions to the pension Fund and do not report on the period of work of such "informal" workers.

Any working citizen should think about his future pension. At times, the momentary gains turn into unpleasant financial losses in the future. Each insured person can independently get acquainted with the information contained in his personal account. To do this, using the portal Rajapipala (www.gosuslugi.ru), you can make a request for a statement on the status of your personal account and see what information is made there. If the information is incomplete it is necessary to apply for explanations to the employer or with supporting documents in Uprlenie RPF. Those citizens who do not have access to the Internet the statement of the state of their personal account can get in the management of RPF in the Pavlovsk area in cabinet 306 or make a request through the Multifunctional Center (MFC). Thus, every citizen can make all necessary information to his personal account in advance of retirement.

Due to frequent changes in legislation, many people have little to do with the size of their future pension and what can be done to increase it. If the size of the insurance pension affects the official employment of a citizen and the amount of "white" salary, which does not always depend on the desire of the citizen, in the formation of his cumulative pension, each person can be directly involved. As is known, from 2014 to 2019 inclusively the state imposed a "moratorium" on the transfer of mandatory contributions to the cumulative pension by employers. But this does not prevent citizens from transferring contributions to the cumulative pension on their own. And many of this opportunity are enjoyed. The citizen can increase the accumulative pension in the framework of the State co-financing program of pension. Participants of this program, who entered it before December 31, 2014 and made their first instalment until January 31, 2015, have the right to count on the equivalent support of the state in the self-transfer of additional contributions in the amount from 2 000 to 12 000 Rubles per year. Those who joined the program later or wish to join now can replenish their pension savings only by self-transferring additional contributions to the cumulative pension without the financial support of the State.

Regardless of whether the citizen replenishes his pension savings independently or on his personal account there are only mandatory contributions listed on the accumulative pension employer in the period from 2002 to 2013, the entire amount of pension The savings, reflected on the individual personal account of the citizen, are annually invested by the chosen insurer (RPF or NPF). If the citizen has never made the choice of the insurer for management of the pension savings, then their investment is carried out by the state managing company Vnesheconombank. Thus, the citizen can increase the amount of the accumulative pension by transferring additional contributions to the accumulative pension and investment income from the management of pension savings funds with a competent choice of the insurer. Please note that the choice of the insurer must be approached responsibly, as there are many cases of fraud by unscrupulous non-state pension funds. When choosing a non-state pension fund or management company, be sure to study the information about their financial assets, annual return on investment, the period of activity on the investment market.

A citizen may obtain his pension savings upon reaching the age of the old, applying to the insurer (RPF or NPF), which manages his pension savings at the time of achievement Retirement age.

Pension savings will not be lost if the death of a citizen has come before the payment of the pension savings. For their receipt of the successors of the deceased insured person it is necessary to apply for payment to the FIU Office 306 before the expiration of the six-month period from the moment of death of the insured person, in case the formation of pension Accumulators was carried out in the RPF. If a citizen has formed his savings in the non-state pension fund, the successors must apply to the relevant NPF in the same terms. First of all it is required to apply for receipt of means of pension savings of the deceased-parents, spouse, children. If there are no successors of the first stage, then the successors of the second stage can apply for the payment-brothers, sisters, grandfathers, grandmothers and grandchildren. A successor who missed a six-month period for treatment must reinstate it in a judicial order.

In conclusion, we remind employers about the terms of reporting to the FIU. Reporting on the form Szv-M is provided monthly, no later than the 15th of the month following the reporting. Reporting on the form of SZV is provided annually, not later than March 1 of the year following the reporting period. In addition, insured, who pay for the insured persons working for them, the additional insurance contributions to the cumulative pension not later than 20 days from the end of the quarter shall present to the FIU the information on the form of the registers Vers-3.

On questions of reporting on forms of Szv-M and szv-seniority it is necessary to address in cabinet 303 of the FIU management in Pavlovsk district or by phone 5-71-53, on questions of submission of registers Vers-3-in cabinet 306 or by phone 5-56-88.

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