Terms of payment of the funded part of the deceased’s pension. Pension savings and their payment after the death of a relative - how to get it and who has the right to succession? How to receive the savings of a deceased relative from a non-state pension fund

Short answer: do not wait for a letter from the pension fund, write an application yourself.

Long answer.

In the event of the death of a person participating in the funded pension insurance program (that is, born in 1967 and later and - in some cases - earlier), the immediate family (or other people in a separate case - see below) are entitled to receive the funded part of it pensions. This part can be managed either by a state management company in the Pension Fund of the Russian Federation or by a non-state pension fund, there is no difference, the right to receive money still remains. Key condition: at the time of death the person should not be prescribed labor pension, that is, he should not enter retirement age. Considering that the vast majority of owners funded pension Now 47 years old or less, this condition will most likely be met. The money is paid in one lump sum, you just need to carry out the receiving procedure correctly.

Who can receive the funded pension remaining after death?? There are two fundamentally different cases. If the deceased person previously left an application in his pension fund about the distribution of savings after death, then the money will be received by the persons specified in the application. It could be anyone, not just relatives. If there is no such statement in the fund, the money is distributed among the closest relatives in equal shares. In the first place - children (including adopted children), parents (including adopted ones) and spouses. If there are no relatives in this category, then in the second place payments will go to brothers and sisters, grandparents and grandchildren.

What to do to receive savings? A mandatory part of the procedure is submitting an application to any branch of the Pension Fund of Russia (closest to the applicant) or to a branch of the Non-State Pension Fund, if the deceased kept money there. If you don’t know where to apply, apply to the nearest branch of the state pension fund, where, if anything happens, they will tell you where to go next.

Note: submission of an application is required, even if the fund knows about the death of the policyholder. Payment is not an “automatic” action; the fund must have a basis for this payment, that is, an application from those wishing to do so. Another point is connected with this: perhaps the application should also be submitted to relatives of the “second priority” - if not a single relative of the “first priority” does this, then the right to receive money will pass to brothers, sisters, grandparents and grandchildren, even if presence of children, parents or spouse of the deceased. Those who have not submitted an application will not receive anything, and those who have submitted will receive the entire amount due to their legal successors.

In principle, the territorial body of the Pension Fund of the Russian Federation, upon receiving information about the death of the insured person, must itself send messages to the legal successors about the possibility of receiving funds. But you don’t have to wait: if you think that you have the right to receive money, go to the territorial office of the Pension Fund of the Russian Federation, fill out an application and submit certified copies of your documents. In general, this is an identity card, confirmation of family ties with the deceased (marriage certificate, birth certificate indicating the parents, etc.), death certificate and confirmation of the deceased’s pension insurance number (his pension card or a territorial fund document indicating the individual personal account number). In more complex cases (adoption, guardianship, acting under a power of attorney, etc.) additional documents will be required; find out their list from the Pension Fund.

In addition to the personal data of the successor, the application indicates the method of payment of money (through the post office or to a bank account) and a list of relatives of the deceased known to the applicant - this will help the pension fund quickly determine the circle of legal successors.

An application with additional documents must be submitted within 6 months after the death of the insured person. Later - it is also possible, but only by a court decision, which will confirm that the applicant could not, for objective reasons, submit such an application (he was away or did not know about the death, etc.) and will restore this period.

Within five days after receiving the documents, the territorial body of the Pension Fund considers the application and makes one of the decisions:

Returns documents to the applicant if something was done incorrectly (and explains what exactly);
- returns the documents to the applicant if it turns out that the deceased kept money in a non-state fund, and informs which non-state pension fund to apply to;
- forwards the application to the Pension Fund of Russia body in which the deceased was “registered”;
- accepts the application if the applicant and the deceased lived within the boundaries of the same PFR body.

In case of return due to the existence of an agreement between the insured and a non-state pension fund, the legal successors will have to apply with the same set of documents to this non-state pension fund.

Next, you will have to wait until the end of the period of 6 months after death so that all potential successors have time to submit their applications. Then, no later than the last working day of the month in which this period expires, the Pension Fund finally determines the list of those entitled to receive the payment, the amount of the payment and the shares in which it is distributed, and sends the decision to future recipients. Finally, no later than the 20th day of the month following the month of the decision, the money is paid.

If, after the payment has occurred, another legal successor applies to the Pension Fund with a court decision to restore the application period, this will not affect those who received the money: payments to him will be made from the pension fund reserve.

Please note: everything said above has nothing to do with the money of maternity capital contributed to savings part pensions have their own rules.

PS If you have questions about personal finance, investing and banking, ask in the comments. I will try to answer them as detailed and clear as possible.

Citizens insured in the compulsory pension insurance system (MPI) have the right. Like investing in a bank, this type of savings is associated with certain risks.

Since a funded pension can be formed both in the state Pension Fund and in the non-state pension fund (NPF), before applying for payment, you need to know where exactly they are located. Accordingly, the application should be submitted at their location.

You can transfer from one company to another to receive more income from their investment, for which it is necessary to submit a corresponding application to the Pension Fund. For an informed decision, it is possible to analyze the profitability of insurers - information about this is available on the Internet.

Who is entitled to receive pension payments?

In the current law “About funded pension” No. 424-FZ dated December 28, 2013 defines persons entitled to receive pension savings funds, namely:

• insured citizens those who have funds transferred to a funded pension and make out an insurance payment, including an early one (they may be assigned a lump sum payment, urgent for a certain period of time and indefinitely);
• successors deceased insured person.

Pension savings can be paid to the relatives of the deceased in the following cases:

• if the payment was not assigned or was not adjusted taking into account additional transfers;
• if an urgent payment was assigned and part of the funds remained unreceived;
• if a lump sum payment was assigned but not paid.

It is important that the funded pension assigned to the insured person for life will not be inherited his legal successors.

Receiving a pension for a deceased relative

According to the adopted legislation, there is two inheritance options pension savings funds:

• at the request of the insured person;
• without a statement, that is, according to the norms of the current law.

The second option involves paying out funds according to a certain sequence:

• Firstly- children, spouse, parents of the deceased;
• secondly- brothers, sisters, grandchildren, grandparents.

In this case, the age and working capacity of the legal successors does not matter. The money is distributed in equal shares to the heirs of each line. Relatives of the second priority have the right to payment only in the absence of first-degree relatives.

If there is a balance of maternity capital funds allocated for the formation of a mother's funded pension, in the event of her death, the following are entitled to them:

• father or the child's adoptive parent;
• if there is no such thing, then child under 18 years of age or a full-time student educational institution until the age of 23.

In this case, the absence of legal successors allows the unreceived funds to be transferred back to the federal budget.

Application for distribution of pension savings

At the request of the insured person it is possible determine the circle of people in advance, to whom pension savings will be paid, and indicate the shares according to which they will be distributed. All this is stipulated in the relevant statement or agreement.

It is necessary to contact the territorial office of the Pension Fund of the Russian Federation at the place of registration or actual residence, if the accumulation of savings is carried out in a state company, or to one of the non-state pension funds, if funds are accumulated in one of them.

• Upon application, the legal successor can be any person indicated in the document (relative, neighbor, acquaintance) or several persons.
• After the death of a citizen, these persons have the right to apply for payment of the deceased’s pension savings.

How to receive the funded part of an inheritance pension?

In order to receive money accumulated by the deceased in a special part of his individual personal account, you need to know that he has such amounts, and then to pay them you need to comply with a certain sequencing:

1. Find out the location of the funds (this may be the Pension Fund or one of the non-state pension funds).
2. Write an application for payment of the funded part of the deceased’s pension and send it to their location in person or via mail.
3. Receive a document - a receipt-notification confirming the decision to assign or refuse payment within the time limits established by law.
4. Receive the amount set for payment in the month following the decision.

It should be remembered that one should not neglect to inform known relatives about their right to inherit the amount of pension savings. In case of their appeal, the overpaid funds will be recovered in court only to one of the possible successors.

To prevent a possible situation, heirs of one line can register refusal from pension savings for the benefit of others(for example, the mother of the deceased may refuse in favor of transferring funds to his wife and children).

Where should legal successors apply for appointment?

To assign payment of pension savings, you must have information about the place of their formation - the Pension Fund or Non-State Pension Fund.

• In any case, the first thing to do is contact the Pension Fund, since all the necessary information goes there.
• If it turns out that the funds are in a non-state fund, then the application for payment must be sent to the NPF at the place of their formation, where an agreement on compulsory pension insurance was concluded with the deceased. As a rule, within two months from the date of termination of this document, the NPF sends a notification about the possibility of receiving the deceased’s funds by his heirs.

If the insurer turns out to be the Pension Fund of Russia, then the application for appointment must be submitted to the department at the place of residence of the applicant.

Application deadlines and required documents

It is necessary to declare your rights as a legal successor of pension savings funds within 6 months from the date of death the insured person - the testator.

The appeal must be issued in the form of a corresponding application at the location of the funds. This document must also be accompanied by Required documents , confirming the right of inheritance. These include:

1. passport or other document identifying the identity and place of residence of the applying legal successor or his legal representative;
2. a notarized document confirming the right of a citizen to represent the interests of the applicant;
3. death certificate of the insured person;
4. documents confirming family ties with the deceased;
5. permission from the guardianship authorities to waive funds due to the legal successor;
6. additional documents.

To establish family relationships may be taken into account:

• birth certificates where the deceased is the father of the child;
• about marriage, confirming the legal relationship of the spouses;
• about adoption, confirming the right of adopted children to payment of pension savings and other documents.

To additional documents can be attributed:

• court decision, if the deadline for applying for payment was restored after judiciary or lack of fact of deprivation parental rights in case of inheritance of maternity capital, if the father died - a certificate confirming this fact;
• and if the child recipient of the payment is an adult, then a certificate from the educational institution.

If documents are submitted by mail, it is necessary to submit notarized copies of them, but if the applicant or his legal representative personally applies for the appointment, then the documents must be submitted in the original.

Payment of pension savings to legal successors

The date of application for payment of pension savings is the date of receipt of the application with all necessary documents.

The decision on payment is made as follows: after six months from the date of death the insured person. The result of consideration of the application is a decision to assign or refuse payment. Within five working days, the applicant is sent a receipt notification of the decision made.

Payment of funds through the Pension Fund is carried out no later than the 20th day of the month following the decision. It is possible to transfer the amount two ways:

• through post offices;
• through the bank where the assignee has an account.

The heir chooses a convenient payment option; information about this is indicated in the application.

Restoring the payment deadline if missed

Due to ignorance and poor awareness in the field pension legislation Many citizens do not know about their right to inherit the pension savings of a deceased relative, and therefore their application for assignment sometimes occurs more than six months from the date of death of the insured person. Hence, statutory the deadline for establishing payment is already missed.

• In this case, it is possible to restore the past period, but it is possible to do this only in court.
• There is no statute of limitations here, so you can apply either after five or ten years from the date of death of the insured person.

The court will consider all the submitted documents, establish family relationships and, if the reason for missing the deadline is recognized as valid, will make a positive decision. This document allows you to apply to the Pension Fund for appointment on a general basis.

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What are pension savings

All people who are officially employed or have another source of income are required to transfer a certain amount monthly to the Pension Fund. In this way they provide for their old age.

In jurisprudence, pension savings are understood as funds that are in the account of an individual who is a participant in the compulsory pension insurance system in the Pension Fund of the Russian Federation.

Please note! Pension savings include:

• insurance contributions accrued by the employer as part of compulsory pension insurance;
• additional insurance contributions that an individual makes to storage system on one's own;
• additional contributions made to a citizen’s account by third parties entitled to do so;
• accruals made by the state to co-finance pensions;
• additional charges: maternal capital and other;
• profit received from successful investments.

Who has pension savings:

• in people born in 1967 and later;
• in men who were born between 53 and 66 years, and in women who were born between 57 and 66 years. Insurance premiums were additionally deposited into their accounts during the period from 2002 to January 1, 2005. In January 2005, changes to the law came into force, and therefore additional deductions ceased to be received. This group of citizens has the right to choose the organization in which their pension savings will be located;
• for citizens who are participants in the state pension co-financing program and who have deposited additional amounts into their personal account;
• from individuals who made additional contributions to their pension account.

Note! Any citizen with an official income has the right to independently choose the organization in which pension savings will be located.

Are the pension savings of the deceased paid?

Situations often arise when a person does not live to see retirement or does not use all his savings. In such situations, the heirs have the right to receive these funds. However, not many people know about this.

This right of successors is specified in paragraph 1183 of the Civil Code of the Russian Federation. According to this rule, successors have the right to receive pension savings and a number of other payments due to the deceased. In the event of the death of the heirs, this right is transferred to their successors.

But when it comes to pension benefits, the successors can only receive the amount for a certain period of time. The remaining part of the amount is not inherited.

Who has the right to apply?

According to the rules of inheritance law, any person who has movable and immovable property has the right to independently distribute it among his heirs. This right also applies to pension savings.

To do this, he needs to prepare and submit to the Pension Fund (NPF of the Russian Federation or another organization in which the account is opened) a written order. The order must be drawn up in accordance with the requirements of the Code of Civil Procedure of the Russian Federation. Violation of legal requirements may result in refusal to accept or invalidation of the document in the future.

The application must indicate the actual details of the heirs and the size of each share. Not only blood relatives, they can be friends, colleagues and other people. After the death of the account holder, his savings are transferred to the persons specified in the order.

Remember! If the account holder has not drawn up a written statement of will, then the transfer of his pension funds to his heirs occurs in the manner prescribed by law. Funds are distributed in equal amounts between first-degree successors and compulsory heirs.

Obligatory heirs include individuals who lived with the deceased and were in full material dependence From him. The first priority of legal successors includes parents and guardians, natural and adopted children, and legal spouses.

If the deceased person did not have such close relatives, then the savings are transferred to the legal successors of the second category (grandparents, brothers, sisters).

According to the law, all the savings of the deceased person are divided in half among the successors.

If maternity capital is included in pension savings, then only:

• parent or guardian of a minor to whom maternity capital was issued;
• if there is no parent, then the accrual, which includes maternity capital, will be received by a minor or child of the testator who is under 23 years old, but is studying full-time at a higher educational institution.

Only the specified persons receive family capital funds, but if they are not there, then the money is appropriated to the PF.

The necessary conditions

Whether the heirs receive the pension savings of the deceased or not depends on certain conditions. This is mainly influenced by the time of death of the testator.

Please note! Legal successors can inherit the savings of the deceased if:

• the citizen died before reaching age or some time after reaching the established age, but without having received a single payment;
• the citizen was declared dead before the recalculation of pension savings was made;
• the deceased was assigned a lump sum pension payment, but has not yet been paid.

Successors will be able to receive funds if the date indicated on the death certificate was recorded after the appointment to the deceased urgent pension, which is paid within a strictly specified period of time.

In the cases listed above, legal successors have the right to receive the savings of a deceased relative.

Carrying out the procedure

The procedure for including pension savings in the inheritance estate is determined by Decree of the Government of the Russian Federation No. 471, in force since November 2011.

The procedure for receiving funds is as follows:

• preparation of documents, a list of necessary papers must be obtained in advance from the organization in which the funds are located;
• submitting an application and papers to the Pension Fund;
• consideration of the application;
• getting a response. If the applicant's requirements are satisfied, he can receive payments. If an unreasonable refusal is received, then the citizens who apply must appeal it.

Watch the video. How to receive the pension savings of a deceased relative:

Where to contact

To receive the deceased’s funds that are in the testator’s pension account, you need to contact the Pension Fund of the Russian Federation or Non-State Pension Fund within six months. If the successors do not know exactly where the funds are located, then applications are submitted to both bodies.

Important! The law gives government agency employees 5 working days to consider the application. After given period they are obliged to provide the applicant with a written, reasoned response. If the deadline is missed, the applicant can file a complaint against NPF employees.

If the successor does not want to receive his share of the pension savings, he can refuse them. To do this, he must send a written refusal to the financial institution.

Required documents

To receive the deceased’s funds, legal successors will need to prepare the following documents:

• 2 copies of the application;
• ID card or passport;
• certificates and certificates that confirm the existence of a family relationship between the account holder and the successor (marriage certificate, birth certificate, adoption certificates, etc.);
• death certificate or extract from a medical institution;
• SNILS of the testator.

In addition, financial institutions may request:

• an extract from a notary;
• pension agreement with the deceased;
• in case of missing a deadline - a court decision to restore the deadline, etc.;
• papers confirming paternity;
• certificates confirming the fact that the parents have not been deprived of parental rights;
• children's birth certificate, etc.

Please note! If the testator is a minor, then documents from his legal representative will be required. If he studied at a university, he will need a certificate from the educational institution.

In this regard, it is better for the heirs to first contact the organization and only then collect documents. You can obtain a list of required papers on the organization’s official website or by phone.

Drawing up an application

The application must be completed correctly; errors, corrections and typos are unacceptable. The information provided in the application must be reliable.

If the application does not comply with the requirements of the law, it is returned to the applicant.

The application to the Pension Fund has a clearly established structure:

• introductory part: information about the Pension Fund, the heirs and the testator. Their full names, addresses, telephone numbers and degree of relationship are indicated;
• Next comes the descriptive part. In it, the applicant writes the date of death of the account holder, account number and date of conclusion of the agreement. It also justifies its right to receive savings by making reference to regulations;
• Next comes the final part. In it, the citizen indicates the requirement to transfer funds to the specified account. The applicant must immediately indicate the personal account number and bank details.

According to the requirements, the applicant collects a list of papers that are attached to the application, and puts a date and signature under this list.

ATTENTION! Look at the completed sample application to a non-state pension fund to receive the pension savings of the deceased:

Attention! Our qualified lawyers will assist you free of charge and around the clock on any issues.

Application deadlines

To receive the pension savings of a deceased relative, the heirs must apply to the Pension Fund within 6 months from the date of death of the account holder.

If the deadline established by law is missed, this right can only be restored in court.

The court will restore the right to inheritance only if there are good reasons. At the same time, the heir will not be able to restore the period for receiving the inheritance if 3 years have passed since the death of the account holder, since it is almost impossible to return the money after such a long period of time.

Are relatives allowed to receive pension savings after death? loved one: whether the accumulated amount is an inheritance, how it is inherited by relatives, to whom the funds remain if the legal successors do not apply for payment, the registration procedure, where to apply and in what time frame, the necessary documentation.

Are relatives allowed to receive pension savings after the death of a loved one?

Everyone is familiar with the procedure of inheriting the property of a deceased person. The inheritance estate can include a variety of objects - real estate, a car, paintings and more.

Also, among other inherited belongings, one can note the funded part of the pension. However, citizens, due to ignorance and the absence of a testamentary disposition, simply do not use the prerogative assigned to them and do not apply for payment.

Is the funded part of the deceased’s pension an inheritance?

Since 2002, pension provision in Russia has included three components:

• basic;
• insurance;
• cumulative.

Only a third of them are allowed to inherit, and then only if a number of the following conditions are met:

1. The deceased individual was a participant in compulsory pension insurance and his account was replenished.
2. The death of the testator occurred before the pension payments were issued.
3. If the deceased has reached retirement age, but did not apply for payment processing and never received it.

Thus, the key point is to receive a pension for the deceased at least once. If this happens, then the legal successors will not be able to receive the accumulated portion.

Succession of pension savings after the death of father or mother

Inheritance of property, including pension savings, is carried out in two legal ways:

• in accordance with the last will of the person;
• within the law.

In the absence of a testamentary order, the transfer of property preferences is carried out according to law. In this case, the legal successors are exclusively close relatives of the deceased. Among the priority heirs are children.

Recipients of the inheritance are obliged to independently submit an application to the Pension Fund for receipt of payment. No employee is required to notify potential assignees of the availability of the opportunity to receive.

So, after the death of their father or mother, children have the right to apply to an authorized institution and enter into an inheritance. All accumulated funds will be distributed among applicants in equal shares. Moreover, it should be mentioned that both the natural children of the deceased and those adopted by him have equal opportunities.

An interesting situation arises with the participation of maternity capital funds in the mother’s savings. The following have the prerogative to receive:

1. The children's father, who survived his wife. He is considered the primary and prevailing subject.
2. If there is no father, then children who have not reached the age of majority or who have already celebrated their 18th birthday but are studying on a full-time basis are allowed to use the funds.

Registration of inheritance for labor pension

If the person who has left the world has never received a pension, then relatives have the preference to receive the accumulated funds in a personal pension account.

To apply, applicants must contact the nearest branch of the Pension Fund of Russia, write an application indicating their desire, and attach the prescribed package of documents to it.

Where do pension savings go after a person dies?

The fate of the pension savings of a person who has passed on to another world is determined by several factors:

• if the individual began to use during his lifetime pension provision, then the balance of the funds stored in his account, after his death, will remain at the disposal of the Pension Fund or a non-state fund. That is, the heirs in this case will not receive anything and have no right to claim;
• compliance with delivery deadlines. If the application deadlines are met, the payment will be received by the legal successors. If there are no valid reasons for restoring the registration period, then the accumulative part will remain in the assets of the fund.

How is payment inherited to legal successors?

When inheriting by will, fund employees initially notify individuals of the existence of such a preference. Further, the procedure becomes the same in both testamentary disposition and inheritance by law.

Persons who have a preference for receiving financial assets apply to the authorized institution within six months after the death of the account owner. A list of documents is attached to the application.

How to bequeath the funded part of a pension

If you want to dispose of the accumulated funds in the Pension Fund, then it is better to formalize the order at the branch itself. The owner visits the institution and, in an agreement or a separate statement, indicates the persons who have the right, after his death, to claim receipt, as well as the distribution of shares or without it.

First line of kinship, inheritance of spouse

In the absence of a will, they are involved in inheritance according to the law. There is a certain order of receipt. So, the first-line successors include:

• children of the deceased;
• spouse (in a registered marriage);
• parents or adoptive parents.

The listed persons inherit in the prevailing order. If there are no representatives of this queue, then the second queue inherits and so on.

Redistribution of funds within one queue occurs in equal parts.

The surviving spouse has the exclusive right to inherit the funded portion formed from maternal capital funds. And only in his absence do the children have the right to take the money. And if it turns out that there are neither one nor the other, then the funds are returned to the Pension Fund.

After the death of the father, who is paid?

If the father left an order, then only the individuals recorded in it will receive it.

If no instructions are given, then payments will be made according to the law within the framework of priority. The children, spouse and parents of the deceased head of the family have a privileged position.

Distant relatives

Current legislation states that the prerogative of registering and receiving the accumulated funds of the deceased belongs exclusively to the heirs of the first and second priority:

• children;
• spouse;
• parents;
• brothers and sisters of the deceased;
• grandparents and grandchildren.

Mandatory share in the inheritance for a disabled person

A disabled individual has the right to claim a compulsory share of the pension savings of the deceased if:

1. He was completely dependent on the deceased until his death.
2. The parents or grandparents of the deceased are pensioners or persons unable to work for whom no one else can provide.
3. Minor children, brothers and sisters, grandchildren who have become disabled. Also if, according to the law, there is no one to provide them. For example, upon the death of a grandfather, a disabled grandson who has parents does not have the right to claim a compulsory share.

Receiving an inheritance by law and by will - differences

The table illustrates the existing differences in the forms of receiving inheritance:

Who is entitled to the accumulative payment of the insured person's funds?

According to the law, only the closest relatives of the deceased person, as well as disabled individuals who are fully supported by him, have the right to inherit. Distant relatives do not have the prerogative of inheritance. If there is an order, then all the persons recorded in it.

Returning the pension savings of the deceased - is this an inheritance?

It is possible to receive the pension savings of the deceased using the standard inheritance procedure. That is, any return of funds to legitimate applicants will be considered succession, since the same time period is determined for the appeal as for inheritance, and the circle of recipients is also limited.

How can heirs receive pension savings for a deceased relative?

With any form of succession, applicants will have to carry out all their actions through the Pension Fund. Initially, an expression of will to receive is carried out, paper support is supported, employees check the information provided and a decision is made to assign payments or refuse them.

How to find out the amount of inheritance after the death of a relative

The amount of accumulated funds after death can be determined in several ways:

1. Online on the websites of government services and the Pension Fund. To do this, registration and the SNILS number of the deceased citizen are required.
2. When contacting the fund in person. You need to have with you an identity card, a relative’s insurance certificate, and a document allowing you to apply for such information.
3. If the deceased participates in the savings of a non-state fund from Sberbank, all the information of interest can be found through an ATM or the official domain, by personally visiting the office.

The necessary conditions

The account acts as a hereditary estate in the event that there are transfers to it during life and the owner has never received a pension. Disabled persons, former dependents, as well as close relatives of the individual have the right to apply for payments. Any persons specified in the last expression of the individual’s will have the right to receive funds.

How exactly and where is it paid?

The application submitted by applicants is subject to consideration within six months. In a non-governmental institution, the procedure is faster, from 20 to 40 days. If a positive decision is made, funds are transferred in two ways:

• to the specified bank account. All information is provided by the heir himself when writing the application;
• by post. If the applicant does not have an account or has not indicated one, then the funds are transferred by mail. Payment for the transfer is made by the recipient.

Documents for receiving the funded part of the deceased’s pension

The application will be accepted if the following paper support is provided:

1. Certificate of death of an individual (if the applicant is a relative).
2. Confirmation of relationship (document on marriage, birth, adoption).
3. SNILS of the deceased.
4. Personal account details for transfer.

For a non-relative indicated in the agreement by the testator, only an application for consent to receive funds and information about a bank account for deductions will be required.

Payment deadline and receipt of money

It is necessary to apply to the fund within a specified period, no later than 6 months from the date of death of the individual. Write an application and attach documents.

Employees will also check the provided data within six months and transfer funds to the applicant’s specified personal account or send by mail. You can receive finance upon presentation of your passport.

Drawing up a statement after the death of a husband or father

There is no specifically established strict application form. You can fill it out yourself and send it to the Pension Fund or write it to the department using the sample. However, there are points that should be reflected in the appeal:

• personal information of the applicant;
• relation degree;
• details of the deceased, date of death;
• information about the dependents of the deceased person;
• information about the applicant’s income, including benefits and pension;
• a list of documents attached to the petition.

How much does it cost to register an inheritance with a notary?

The total cost of registration consists of:

1. Payment of state fees (for performing notarial acts and the price of the certificate form).
2. 0.3% of the total value of the resulting inheritance for close relatives, for all others - 0.6%.

On average, the price reaches 20 thousand rubles.

How can you challenge a will and get your money back?

You can challenge the will in court, and then the money from the funded part of the pension will be returned to the rightful claimant. However, to challenge it, you will need to prove one of the grounds for the invalidity of the testamentary disposition:

• incorrect content of the document;
• the order was drawn up in a state of insanity;
• the presence of senile dementia in the testator;
• other factors.

Withdrawing money from the deceased's account for a funeral by inheritance

In Russia, support measures are provided upon the death of a relative, namely a social benefit for burial. It is paid to the Pension Fund upon the application of loved ones of the deceased. Payment is made immediately, on the day of application, based on the death certificate. It is allowed to receive money no later than 6 months after the death of the pensioner.

To apply you must provide:

1. Identification.
2. Appeal.
3. Certificate of death.
4. Confirmation of the fact that the pensioner was unemployed on the day of death.

How to receive the insurance part of the insured person’s pension after death - is it inherited?

According to current legislation, only the funded part of the pension is subject to inheritance. No other components can be obtained.

It is allowed to apply for a savings account only if a number of factors are present, one of the key ones being the non-receipt of any pension payments to the deceased.

The nuances of receiving a pension that was not paid in the month of death of a relative

Death can overtake a person at any time. It often happens that a pensioner does not have time to receive his pension in the current month. If the recipient dies, then his close relatives have the right to receive for him upon application to the Pension Fund.

If the pension was paid to a card at Sberbank, then it makes no sense to contact the Pension Fund. The account has already been created, and this means that the pension has been paid. Then the amount is included in the inheritance estate.

Many people mistakenly believe that they have the right to claim a pension in two months. But that's not true. Payment is made for one last month.

The funded part of the pension can act as an inheritance both by testamentary disposition and by law. The will in this case is not entirely standard and is drawn up in an agreement with the foundation or indicated in a separate application at the authorized institution itself.

It is possible to take advantage of the prerogative if the deceased has never received a pension payment during his lifetime, was born before 1967, and generally had contributions and funds in his account.

Useful video

A variety of typical and unique situations occur in people's lives. By and large, no one is immune from anything. It also happens that Russians do not live up to their due pension. Therefore, many today are interested in how to receive the funded part of the pension of a deceased relative. Let's consider how the inheritance of the funded part of the deceased's pension occurs.

Who inherits citizens' pension savings and how?

Federal Law-424 gained legal force on January 1, 2015. Before this period, those born no earlier than 1967 determined their future pension benefit: as insurance or insurance plus funded.

Currently, future pensioners do not have such powers. You can choose only 1 simple option: savings or insurance. And combined variations are no longer provided. Like age-related pensions, sometimes funded pensions are assigned ahead of schedule, that is, ahead of schedule.

Until the end of 2014, Russians also had the opportunity to use their savings under the state solidarity financing program. And since 2018, it is possible to create funded pensions only through independent contributions, including money from maternity capital.

This type of pension has both advantages and disadvantages. Disadvantage - savings are not indexed and depend on the capital investments of the selected NPF or management company. There is also a big advantage - it is quite possible to inherit the capital accumulated in this way.

How to inherit a pension

According to Art. 1183 of the Civil Code of the Russian Federation, pension savings are inherited. Art. 2 FZ-360 defines payments of this nature:

• one-time;
• urgent when establishing time periods;
• lifelong (indefinite);
• intended for heirs.

If those insured in the Compulsory Pension Insurance system die, and there are some savings in their personal accounts, their relatives can inherit such money.

This becomes possible if the testators have died:

• before funds are disbursed or transferred in full (including additional savings);
• after the appointment of urgent payments (savings balances are intended for payment);
• after the assignment (but before the payment) of lump sums.

Attention! If the insured person dies (or dies a natural death) after the establishment of a funded pension in an open-ended format, then the savings are not inherited.

In other words, if the deceased has already received capital generated through contributions to the Pension Fund, inheritance is unacceptable.

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Inheritance of savings by the legal successors of the deceased

If the insured person dies, the savings in his individual personal account must be paid to his legal successors.

This is acceptable:

• upon a preliminary application of the testator for the distribution of funds from the funded part;
• By legislative norms(1-2 lines of inheritance).

In the first case, both relatives of the deceased and anyone to whom the deceased wanted to leave his money during his lifetime can inherit savings. What he made a declaration of will during his lifetime. In the 2nd case, legal successors are only close relatives of the deceased.

Advice! Those who are forming capital in the Pension Fund can at any time submit an application for the distribution of accumulated savings in the Pension Fund. In the act, the citizen indicates his legal successors (heirs) to whom he wants to leave savings after his death.

If the agreement is concluded with a non-state pension fund, then you should contact the non-state pension fund. Such a condition may be present in the OPS agreement concluded with him.

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In the application for the distribution of funds, you can indicate any individual or several individuals and distribute shares between them. In this case, anyone can become a legal successor.

Inheritance by relatives of the insured

In the absence of an application, the savings are distributed among the relatives of the deceased. The ability to work and age of the “heirs” do not matter here.

The following relatives have the right to payments:

• children (natural and adopted);
• legal spouses;
• parents/adoptive parents.

In the absence of relatives of the 1st stage, relatives of the next stage become legal successors:

• brothers/sisters;
• grandparents;
• grandchildren.

Attention! The money is distributed in equal parts among relatives of the same line. If there is at least one representative of the 1st line, then persons from the following lines are not called upon to inherit.

The exception is the right of representation.

Separately, it is worth mentioning the maternity capital aimed at future retirement.

• In the event of the death of the mother, the maternal capital included in the pension savings can be received by the father or adoptive parent of the child.
• In the absence of a father, the right to payments arises for minor children or those who have reached the age of 18 and are studying full-time at universities until the end of their studies and/or until they reach the age of 23.

Important! In the absence of any legal successors, savings are inherited on a general basis in accordance with the norms of the Civil Code of the Russian Federation, and maternity capital money is transferred to the Pension Fund.

If the above conditions are met, the relatives of the deceased can apply for such payments.

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Procedure and deadline for legal successors to apply

For getting pension capital deceased, an application must be submitted to the Pension Fund or Non-State Pension Fund within 6 months from the date of death of the testator, depending on which fund the deceased entered into an agreement with. The decision on payments is made no later than seven months from the date of death. The NPF is given 3 working days from the date of the decision to notify the applicant by sending him a copy of the decision on payments or refusal. Just like any inheritance, pension capital can be abandoned. To do this, you must also submit a corresponding application.

Payments to the relatives of a deceased person insured by SOPS are assigned only if there is a corresponding application submitted in a timely manner to the Pension Fund. It is not enough to apply to a notary to accept the inheritance.

Required documents

To assign payments or refuse them, legal successors should contact the fund personally or through their authorized representative. In this case, you must have with you originals or certified copies of documents confirming family relationships and certifying authority.

Based on the above, when applying you should provide:

• statement;
• passport or other document proving identity, age and place of residence;
• documents confirming family relations with the deceased (birth certificate, marriage certificate, adoption certificate, etc.);
• death certificate (if available);
• SNILS number of the deceased (if available).

In some situations, additional documents may be required:

• if the application is submitted by a representative by law (guardian, adoptive parent, trustee), then he must additionally submit his identification documents and a notarized power of attorney;
• if the deadline for appeal was established in court - a court decision to restore the deadline for appeal.

If it comes to maternal capital, then in the event of the death of the mother, the father must additionally submit documents confirming:

• paternity or adoption;
• absence of facts of deprivation of parental rights;
• birth or adoption certificate of children.

Attention! In the event of the death of the father or deprivation of his parental rights, it is necessary to additionally provide a certificate of his death or a court decision on the annulment of family rights.

If the child is an adult but is studying full-time, a supporting certificate from the educational institution is needed.

A PF or NPF checks the authenticity of documents, family relationships, etc. If the documents are forged, the fund has the right to refuse payments. The heirs of the 2nd priority will also be refused if the first priority ones appear. Moreover, regardless of who provided the documents first.

Payments of savings to legal successors

If the deceased’s savings were formed in the Pension Fund, then within 5 working days after the decision is made, the Pension Fund is obliged to send the applicant a notice of upcoming payments or of refusal to make them. If at the time of death the savings were in an account with a non-state pension fund, then, accordingly, payments are made by the non-state pension fund.

Like most post-employment benefits in our country, savings from the Pension Fund are paid in two ways:

• via Russian Post;
• through a bank (bank account).

The recipient has the right to independently choose one of these methods.

Restoring the deadline for paying pension savings

In accordance with Art. 12 FZ-424, when the insured person dies, payments stop on the first day of the month following the month in which the citizen died.

Important! From the time of death of the insured person until the legal successors submit documents to receive funds (pension savings), no more than 6 months should pass.

However, not everyone knows that pension savings can be inherited. Most often, it is in connection with this that many Russians apply to the Pension Fund much later, when the required 6 months have passed.

Another big misconception is the opinion that it is necessary to apply for inheritance after 6 months. This is a fairly common mistake that many heirs make.

Important! In this case, the payment deadline can only be restored through legal action.

The court has the right to grant or refuse to restore the deadline for paying the testator’s savings. If the court decides to restore it, then the citizen applying for them will be able to submit an application and the necessary documents in the usual manner. That is, directly to state or private pension funds.

If the court refuses to restore the deadline, it will not be possible to receive the savings of the deceased relative. The exception is the actual acceptance of an inheritance. When the heir actually accepted at least some of the testator’s belongings.

Dear readers!

We describe typical ways to resolve legal issues, but each case is unique and requires individual legal assistance.

To quickly resolve your problem, we recommend contacting qualified lawyers of our site.

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