Insured persons are who? general characteristics

In accordance with the regulatory documents that determine the rules of the game of insurance, the insured person is the subject of a legal contract, whose property, life, real estate are insured.

But if we talk about compulsory state pension insurance, the insured persons are those who will receive a pension from the Pension Fund, and not compensation, at a time when a person, after reaching the age, will retire to well-deserved rest.

What is an insured event for the insured in the FIU?

After the pension reform, the pension is accrued and issued after the occurrence of the insured event. That is, the state pension system now insures the risk of the fact that the insured person of the Pension Fund will be left without a livelihood, that is, on pension. What insurance cases are now considering the law? The cases of insured persons are as follows:

1. Retirement after reaching a certain age.
2. Loss of the breadwinner. And at any age, if alone a person can not get a livelihood.
3. Loss (full or partial) of work capacity. Also at any age since birth.

All contributions, all personal data are stored in the Database of Personalized Accounting of the Pension Fund of the Russian Federation. A pension is issued in accordance with the law "On State Pensions in the Russian Federation" - No. 166 - FZ. The law establishes the grounds for granting the right to the pension itself, the procedure for its appointment.

Insured persons are who?

All citizens of the Russian Federation and foreign subjects who live only temporarily in Russia, if they work under an employment or civil law agreement, are insured persons, since they are covered by the Federal Law on Mandatory Pension Insurance.

The federal law prescribes all definitions and conditions for guarantee fees, compensation and replenishment of a Russian citizen. All that concerns the personal account of the insured entity, you can find out in the personal account of the PF.

Insurance coverage of insured persons

Insurance coverage when the above insured events are recognized:

• Labor pension for old age;
• Accumulative and insurance part of the pension for the loss of a person's ability to work;
• Insurance benefit for the loss of the breadwinner;
• Payment for the burial of a pensioner, who no longer worked.

The basis of the entire financial system of the pension fund is the funds that are accumulated in the fund itself, as well as the money accumulated on the personal account.

Functions of the FIU

The pension fund is called upon to provide the population with all kinds of benefits. In a civilized state a person should not be afraid that, having lost efficiency, will remain without the protection of society. Therefore, to put it simply, insured persons are all those citizens who are subject to mandatory pension insurance from the state.

As a centralized state institution, the RF pension fund performs such functions:

• Form and pay out the funds to the insured fund participants;
• To issue certificates for the formation of family capital;
• To pay an additional payment to a pension, so that the latter reaches a subsistence minimum;
• Implement international programs;
• Other.

And also an important function of the FIU body is to conduct a personalized detailed accounting of all participants of the insurance system so that in time and in full, a person receives his money.

Personal account on the website of the Russian Federation

Thanks to the electronic modern service "personal office of the insured person" any registered person can see all the data on his account. This shows information such as the length of service and the number of points collected.

There is a personal office in 2015. To use this service, you need to have an insurance certificate. The electronic service of the FIU provides all necessary information about the insured persons. There are separate offices for both policyholders and insured entities. If you have any question, you can ask his advisor in online mode.

You do not need to register on the site itself. Enough registration on the portal of public services.

If you already have a personal activation code, enter it in the "Personal Information" - section of government services. To register with the ECIA, the insured person needs a passport, an insurance certificate and a mobile number.

The FIU website no longer needs to enter personal data after that. You just need to go to the page of the site - "Insured's office" and click on "Login". The system recognizes you.

Innovations on the PFR website

The personal cabinet in many ways simplified communication between the pension fund and citizens. After all, insured persons are those who need help from this government body, and all services must be understood by all clients of the system. Recently, the service is expanding its services.

Now, citizens who are still abroad can see their state of the savings account online. Previously, you had to write an application and wait for an answer. And it's also possible now quickly to fill out a statement that the employment status of a person has changed.

Rights and duties of those who are insured

The rights and duties of these entities are defined in Article 14 of Ch. 3. The Federal Law "On Individual Accounting in the Mandatory Pension Insurance System". The insured person as the subject of legal relations, undoubtedly, has his rights.

The rights of insured persons are as follows:

• Receive information about the status of your personal account in the FIU. This information can be sent by post, if it is convenient for the client.
• Receive a copy of the information about yourself, which the policyholder sends to the Pension Fund.
• Send an application to the FIU to change the information indicated by the insurer, if they are incorrect. You can apply to the tax authorities or the court.

And also insured persons must perform such duties:

• You need to get an insurance certificate;
• To register with the FIU;
• Apply to FIU bodies with a specific application, when his personal data change;
• Report loss of evidence;
• At the request of the FIU authorities to provide all documentation confirming personal data transferred by the insured to the fund.

Without the fulfillment of these norms, the system of the fund would not be able to work fully. Therefore, timely fulfillment of obligations in the interests of the insured himself.

Obligations of the insurant

The insured is usually the employers who pay wages and keep a record of deductions. Their rights and obligations are regulated by the same law as the rights of insured entities.

The employer has the right:

• Require a certificate of compulsory insurance when entering the workplace; And also to demand the provision of all personal information in order to transfer them to the PF organ.
• To supplement the information transferred to them about the insured person.

And also must perform the following:

• Provide information received from the employee to the authorities of the Russian Federation in a strictly prescribed period.
• The FIU obtain a certificate and issue it (necessarily for signature), if a person works on the terms of a civil or employment contract.
• To check whether the details of the identity documents correspond to those specified in the insurance certificate.

The policyholder is not a beneficiary, transferring funds to the fund, but by law he is obliged to do so.

Obligations of the Pension Fund

The rights of the Pension Fund authorities include the following:

• Correction of information transferred to them by the insured;
• Obtaining information about insured persons from tax authorities;
• The fund may require the timely delivery of all information;

The duties of the FIU include:

• Control over information and credentials;
• Explaining to clients the rights and duties of those who are insured;
• An explanation of the specifics of the formation of a pension;
• To provide constant access to the electronic system "Personal Cabinet".

The FIU employs about 130,000 specialists, and all together they carry out a very important job for the state - they accumulate and distribute funds between pensioners and those who for some reason can not work and receive wages.

When are insured persons insured?

To date, there are types of pensions: insurance, funded and pensions for state support. If the insured person chooses a funded pension, it will receive the savings that are generated by voluntary investments or payments from the enterprise.

For those who are born in 1967 and younger, it is possible to choose a pension option.

And those who were born in 1966 or older, accumulations are formed solely at the expense of voluntary contributions. At any time since 2015, you can refuse from the funded part of the pension.