Previously, the state was the full and sole administrator of pensions. Now the citizens of Russia independently plan their pension strategy and have the right to decide which of the methods of accumulating future pensions to prefer. There are three different ways to accumulate pensions: private pension funds, endowment life insurance, and a government fund. At the same time, anyone can transfer the funded part of the pension to a non-state pension fund.
It is necessary
- - an agreement on compulsory pension insurance,
- - application for the transfer from the state pension fund to the non-state pension fund,
- - order of the insured person.
Instructions
Step 1
The compulsory pension insurance agreement is concluded in order to regulate the relationship between the insured person and the non-state pension fund. The very conclusion of this agreement regulates the transfer of funds from the funded part of the pension to a non-state pension fund. Its effect occurs on the day the pension is transferred to the account of the insurer, which is a non-state pension fund, the term of the compulsory pension insurance agreement is unlimited.
Step 2
In the contract form, indicate the number of the insurance certificate, the personal data of the insured person, place and date of birth, gender. The form of the agreement is approved by the legislation of the Russian Federation and is not subject to additions and changes. For the insured person, only one compulsory pension insurance contract is concluded, which is currently valid. An agreement is drawn up in triplicate, one is kept by the non-state pension fund, the second is transferred to the state pension fund, and the third is kept by the insured person.
Step 3
The main points of the contract contain information about the obligations of the insurer in relation to the insured person. Such moments are the designation of the conditions and terms for issuing the funded part of the pension upon the occurrence of pension grounds, notification of the amount and results of investment of funds, as well as, in the cases established by the contract, making payments to the legal successors of the insured person.
Step 4
Then it is necessary to draw up an application for the transfer of the funded part of the pension from the state pension fund to the non-state pension fund, on the basis of this document, the state pension fund is notified of its intention to change the form of the pension fund. It is possible to independently submit an application or entrust the transfer to a transfer agent. In this case, the transfer agent is a non-state pension fund, which has the right to accept and transmit an application in electronic or other form, stipulated by an agreement with the state pension fund.
Step 5
Such a document as the order of the insured person certifies the right of the non-state pension fund to certify the authenticity of the signature on the application when transferring from the state pension fund.
