The program of co-financing of pension. The program of state co-financing of pensions

The program of co-financing of pensions seems to be a very profitable proposal, and the number of people who agree to participate in it is constantly growing. What is it? What advantages does it give? Is it profitable to participate in it?

general information

Legislatively, the program of state co-financing of pensions was launched in 2009. True, not everything was smooth. Because of the significant link to the insurance part of the funded pension, it was suspended. That is, those who had time - used it. And then the access was closed. But if there is a desire to participate in it, then 2017 is good for this because of its renewal. Now we have a better version than the one that was before. Here we will consider it. So, what does the pension co-financing program represent? Is it profitable to participate in it? Quite the fact that the program of co-financing of pension implies that for every ruble contributed by a person, the state will add one from itself. This is very good from the point of providing a pension period, since its quality will depend on the finances that came to the person's personal account. As a result, with significant infusions, you can get very good help. And if over time inflation normalizes and falls to 1-2%, then it will allow us to live even better!

Participation

Any citizen of the Russian Federation can join the program of co-financing a pension. But before that you should study all the conditions for its provision. To participate, it is necessary to prepare an application and transfer it to the specialists of the pension fund in accordance with their place of residence. To him, you need to add a photocopy of your passport and present it to the responsible officer when registering. It is also necessary to take care of the availability of a certificate of pension insurance. What is it for? As mentioned earlier, the program of state co-financing of pensions is closely related to the insurance part of the provision for old age. You can submit these documents either personally, through your employer, or through an organization that is certified by the pension fund for such activities.

Special moments

As it was already written, the co-financing program of the pension provides for a ratio of 1: 1. In other words, the more people invest, the better it will be. There are some exceptions. So, people who have already reached the retirement age, but do not receive labor payments, will receive a four-fold increase when they deposit funds into their account. Let's look at this in a small example. In the usual case, if a person contributes ten thousand rubles, the state will add as much from himself. But if he is a pensioner, he does not receive labor payments, then he will receive not 20 000, but 50 000, because 40 000 will be added from the budget. Anyone can make contributions to the account, in any way. The only thing that needs to be done before this is to contact the responsible specialists in order to obtain the requisites for which it will be necessary to send money. Some skeptics believe that the program of co-financing pensions for pensioners and those who have not yet left to rest citizens is created to increase the reserves of the PF. But no matter how it was, if it is not nulled, then it is certainly created for the good of people.

Restrictions

The program of co-financing of pensions has been extended, but there are certain limitations. Thus, it is established that working pensioners in 2017 will not be able to take part in it. The government believes that their pension account will continue to increase due to an increase in insurance premiums from employers. And they do not need additional income. And how it all gets interesting! It is best to contribute money to retirement, but it's impossible to work on it! Also, it should be noted the presence of a large number of nuances, which it would be desirable to ask from representatives of the local branch of the PF. A significant limitation is the amount of replenishment. So, a citizen who uses this opportunity can pay once a year a sum of money in the range of two to twelve thousand rubles.

Why was it introduced?

Why was it decided that the program of co-financing pensions for pensioners and non-citizens who have not left for rest will live? Earlier the main rate was made on the insurance part. But over time it became clear that such a strategy would not allow maintaining a high standard of living. There were some problems in 2014, when the insurance parts of pensions were frozen. Therefore, it was decided that the problem, despite its presence and large scale, still needs to be addressed. And this approach allows to increase the size of its content for all categories of citizens in the future. There is a category of persons for whom it will be generally very pleasant. So, people who were born before 1967 and did not take part in the formation of the funded part, will have the opportunity to influence the amount of the amounts received. This will make it easier to retire. More young citizens will share funds between co-financing and accumulation.

Conclusion

Employers can also take part in this initiative, transferring to the person's account the appropriate amount. This can reduce the amount of UST. Despite the advantages of this toolkit and the loyal attitude of economic actors that use this approach, employers are slow to take care of the welfare of their employees. So, you can take as an example eight more days as last year. Then the citizens sent 7.1 billion rubles, whereas organizations received less than 130 million. At the moment, according to the statements of government officials, more than 8 million people have used this program. For the period of its operation, they transferred to their accounts forty-five and a half billion rubles. True, there is still no need to talk about a confident and cloudless future. As is known, since 2014 the Russian Federation has seen significant problems in the economic plan. Therefore, many efforts of officials are aimed at reducing the amount of finances that go to the pension system, and involve citizens in the process of independent formation of their savings.