In modern times, any government systems requires careful work on it and continuous improvement. One of such systems in the territory Russian Federation is the Pension Fund. Since the transition to the accumulative system in the pension system did not please most Russians, it was necessary to come up with something that could simplify the work of both pension fund employees and pensioners who are entitled to receive pensions according to the law.

Most pensioners were distrustful of this event, because they are not familiar with all the innovations and subtleties of the system. In addition, they did not have time to appreciate the convenience of working with the system. Future pensioners are concerned about the issue of controlling deductions and points that are received for them, as well as ensuring payment guarantees. That is why the project, presented by the head of the Pension Fund Anton Drozdov at the end of last year, can be considered useful and requiring increased attention.

The personal account of the insured person is an innovation presented at the next meeting of the Board of the Pension Fund of the Russian Federation.

What is it?

The personal account of the insured person is an online resource that acts as an individual platform for each participant in the pension program, where their rights and obligations related to the pension are exercised.

What categories of the population have access to the cabinet?

• participants in the system for guaranteeing the rights of insured persons;
• persons with a verified account.

How to register in your personal account?

You can register in the office of the insured person of the PFR through the Internet at www.pfrf.ru. As for the accommodation office, you can find it at www.pfrf.ru/eservices/lkzl/.

Information in the personal account about the insured person

In the Personal Account of the insured person, you can see the person's profile, his personal data that directly relate to the pension:

• the number of points that have been scored over several years of work;
• all labor activity;
• about the employer;
• the total amount of all insurance premiums paid by the employer.

The information posted in the Personal Account is formed according to the data provided by the employer. That is why the shortcomings, as well as the entry of information not in full, must be corrected through an appeal according to the place of work, whose employees indicated their data incorrectly. If it is necessary to make a correction, the enterprise where the pensioner worked must submit new data to the FIU. If any inaccuracies are identified, you should immediately contact the organization that made such a mistake.

The personal account of the insured person in its menu has the following tabs:

• possible pension option;
• earnings indicated on an individual personal account: before or after 2002.

The section allows you to post information about the system for converting deductions into special points, which will provide an opportunity to understand the pension system more quickly and correctly. It should be specified that the assessment of pension rights received before 2015 will be recalculated without any losses.

Registration in a personal account

In order to be on the page of the Personal Account of the insured person, an unregistered user must go through the registration procedure. It does not require special knowledge and a lot of time. During the registration procedure, you must have at hand:

• passport confirming the citizenship of the Russian Federation;
• insurance certificate of compulsory pension insurance;
• mobile phone, email information.

To go to the Cabinet, on the website of the Pension Fund, you need to go to the "Electronic Services" tab, where, in fact, the necessary resource is located. The next step is to fill in the registration form in the field "Register with ESIA". This is the portal of public services.

After filling in the necessary data, we can say that the initial stage of registration has been completed. In order to use all the features of the website, especially your Personal Account, you must provide confirmation of your phone and your identity without fail.

How to verify your identity?

Everything is very simple. There are several ways to do this:

• apply to citizen service centers that work specifically for this;
• confirmation by electronic signature or universal electronic card.

Identity confirmation will provide an opportunity to use all the functions provided by the Public Services Portal, as well as all services in the Personal Account of the insured person.
The personal account has a number of possibilities

The existence of the Personal Account greatly simplifies the work for the employees of the Pension Fund, since each of those who wish can independently calculate all their points accumulated for the retirement age, find out the approximate amount of the pension received in the future and carry out other operations.

How can I find out information about pension points?

To find out all the necessary information about pension points, as well as your work experience, you must do the following:

• go to the Personal Account page, while using your personal data and password;
• find on the page on the left a window called "Get information", then select the active line;

A table will immediately open on the page, where in the column of insurance experience it is necessary to mark the number indicating the number of years that you are interested in. After carrying out this procedure, the number of points will be shown at the bottom of the table.
To find out the necessary information about the process of forming pension savings and their amount, you need to:

• go to the Personal Account page;
• go to the tab "Getting information";
• make active the column “Option of pension provision in the MPI system”;
• after the table appears at the bottom, you can see the amount of savings that will be indicated, broken down by years.

To find out the necessary information related to work, you need to do some operations, as before:

• on the right, you can see several buttons with text inside, among which you need to select the one that says “Pension provision option in the MPI system”;
• in the tab that opened, you can see tables describing all the work of a person up to 2002, as well as after;

The table is divided into three columns, where such data as: experience, period and place of work are noted.

Such tables allow you to get all the necessary information about the period of employment of the insured person.

To obtain the necessary information about the status of the ILS, you must select the button on the right called "Get a notification about the status of an individual personal account", activate it; almost immediately you can generate a letter with the indicators of your personal account.

How to calculate the amount of the insurance pension?

• select the inscription "Calculate your future insurance pension";
• after clicking on this button, a table with information will be generated, which will indicate the number of points that a person has earned during 2015.

In this tab, you can use the online calculator in order to calculate the future pension. The calculator will take into account various characteristics that a citizen manually indicates personally, including the category code of the insured person.

2 blocks of calculators on the site:

• calculating the insurance pension, while taking into account the accumulated pension points. In addition, the period of military service, maternity leave and parental leave are taken into account, which, in turn, increases the accrual of points;
• counting on the person's plans that are planned to be implemented: how much time he plans to work, how long he will be on maternity leave, in the army.

This block necessarily contains information about the planned level of wages.

Thanks to the calculator, you can find out the amount of time during which you will have to work, when, for how long you need to go on maternity leave in order to receive a decent pension in old age.
What's new in your personal account

The personal account has new functions and services that provide the opportunity to receive documents, extracts from the Pension Fund, make an appointment for a personal appointment, and others. Special authorities are constantly working on the continuous improvement of the work of these services, supplementing the site with new features.

Benefits of using the functions of the PRF personal account:

• Applying online for a statutory pension without having to leave home or spend time in long lines;
• submit an application to the responsible authorities about the desired ways to receive a pension, while a power of attorney is not required to perform such actions.

Every citizen can use the "Apply to change their employment status" service. Even any information related to dismissal or employment new job can now be deposited online. Information is needed to make accruals or stop payments: old-age insurance pensions, social supplements, transfers to guardians who care for the sick, the elderly, and others.

In addition to all this, the range of electronic services has been expanded for those pensioners who live outside the territory of the Russian Federation, while receiving a pension on an equal basis with all Russian citizens. For such persons, it is possible to display information about the pension that has been accrued, as well as other payments, on the monitor online.

A service called “On the status of those sent to FIU documents". The service allows you to track the stage associated with the consideration of documents or applications that are submitted.

The creation of such an information system will help reduce the burden on the Pension Fund and facilitate the work of its bodies and services, while pension fund queues of pensioners will not crowd, service will be carried out faster and better.

Thanks to the personal account of the insured person, millions of people will be able to start processing their pensions without leaving home in comfortable conditions, check the savings system at any convenient time by viewing the balance of their points throughout each month.

FIU (Russian Pension Fund) provides an opportunity for everyone living in the Russian Federation, receiving or intending to receive a pension in the future, to monitor their pension savings.

On the official site www.pfrf.ru details of the formation and process of pension payments are available online. You can also remotely order the documents and certificates you need related to the pension. To have access to such services, you need to register in the PFR personal account.

Account Features

The site has several sections, which include subcategories for ease of navigation and search. necessary information. Among them, you can find such sections as: social payments and pensions, opportunities for citizens living outside the country, maternity capital, pension rights, pension savings and a funded program.

There are also services that are available without going through the registration procedure. These include:

• ordering documents to reduce the number of visits to the FIU;
• pension calculation calculator;
• formation of payments;
• making an appointment for a consultation and searching for customer services;
• online acceptance of applications.

For other services, Account will still be needed.

Pension fund personal account - site entrance

To open access to a personal account, registration on the portal must be completed. Further entry to the website of the PFR insurance premium payer will occur through the Unified Identification and Authentication System (ESIA). To register on the portal, you will need to enter personal data - name, surname, mobile phone and e-mail. Once you get a basic account, you have the option to upgrade it to a standard account and then to a fully verified one.

In the event of a password forgotten by the user, there are several ways to recover it. The simplest of them is recovery using a mobile phone linked to an account. If the number was not linked when you created your account, you can reset your password via email. Do not remember the mail or mailbox is not available? In this case, you must visit the user service center, taking your passport and SNILS with you. The address of the nearest center can be found on the State Services portal.

The FIU continues to improve the system for providing physical and legal entities public services in electronic form. Now citizens and insurers can receive a number of services provided by the PFR using Single portal state and municipal services ( www.gosuslugi.ru).

Residents of Russia now have the opportunity to track how their future pension is formed. All information is stored on the website of the Pension Fund of Russia www.pfrf.ru in the "Personal account of the insured person"

The service provides an opportunity to detailed information on the periods of labor activity, places of work, the amount of insurance premiums accrued by employers, which the PFR has.

In the "Personal Account" for the convenience of users, the function of instantaneous generation and printing of a notice of the status of an individual personal account ("letter of happiness") is provided. You need to receive such an extract at least once a year to control your savings for a future pension. In addition, the service provides information on pension savings, including data on voluntary contributions under the State Pension Co-financing Program and state co-financing, as well as maternity (family) capital funds allocated for the mother's pension.

We invite you to familiarize yourself with the typical questions and answers about the services of the electronic service "Personal account of the insured person":

1. Question - How can the insured person find out about his formed pension rights on a specific date?

Answer - The insured person can find out information about the formed pension rights in the following ways:

1) Through the PFR Client Service:

To obtain information about the formed pension rights, you can contact the territorial body of the PFR at the place of residence or work.

If the insured person wants to receive a notice of the state of the ILS by registered mail, then you need to come with a passport and SNILS to the Pension Fund of Russia at the place of registration (including temporary) or actual residence and write an application. The Pension Fund will prepare a notice and send it to the address indicated in the application, registered by mail within 10 days from the date of application. If the insured person wants to pick up the notice on his own, then he also needs to write a statement about this, and after 10 days, but in person, the citizen will be able to receive an extract from the individual personal account.

To do this, you need to register on the Unified Portal of State and Municipal Services www.gosuslugi.ru. After receiving the access code to the "Personal Account" on the portal in the "Electronic Services" section, select the "Ministry of Labor and social protection of the Russian Federation”, then subsection “Pension Fund of the Russian Federation”. In this subsection, the insured person can receive information about the state of the pension account online.

3) Using the Personal account of the insured person on the PFR website:

With the help of the service for informing about the formed pension rights, you can find out about the number of pension points and the duration of the insurance period recorded on your personal account, get detailed information about the periods of employment, places of work and the amount of insurance premiums accrued by employers.

The service also provides information on pension savings, including data on contributions under the state pension co-financing program. Also, within the framework of the service, you can use a personalized version of the pension calculator and find out what affects the formation of pension rights and the amount of the future insurance pension.

All users registered on the website www.gosuslugi.ru and in unified system identification and authentication (ESIA) and having a "confirmed" account level.

4) Through the bank:

To do this, it is necessary to clarify whether the bank, whose client is the insured person, provides such a service. If yes, then information on the state of the pension account can be obtained in printed form from the teller or through ATMs, in electronic form - using Internet banking.

2. Question - What information is reflected in the notice of the status of an individual personal account?

Answer - The form "Information on the status of the individual personal account of the insured person" contains data on the number of pension points and years of service, on the pension option chosen by the insured person (direct 6% of insurance premiums for compulsory pension insurance to form a funded pension or take into account the specified the amount of insurance premiums for the insurance pension), the amount of pension savings.

In addition, this form, based on the data transmitted by the insured, reflects information on the periods of work of the insured person, the amounts of accrued insurance premiums for compulsory pension insurance, the average monthly wage for 2000 - 2001.

3. Question - How can a citizen check whether all the information is taken into account on his individual personal account?

Answer - You can check whether the data on all employers for whom the insured person carried out labor activities are taken into account on the individual personal account of the insured person by requesting the form "Information on the state of the individual personal account of the insured person" through a single portal of state and municipal services (functions) or through the Personal Account of the insured person on the official website of the PFR (www.pfr.ru). This form contains information in the context of insurers on the periods of work of the insured person and the amounts of accrued insurance premiums for compulsory pension insurance.

4. Question - How can a citizen register in the ESIA - a unified system of identification and authentication?

Answer - In accordance with the Decree of the Government of the Russian Federation of July 10, 2013 No. 584 "On the use of the federal state information system" Unified identification and authentication system in the infrastructure providing information technology interaction information systems used for the provision of state and municipal services in electronic form” the implementation of the entrance to the Personal Account of the insured person is possible only through the ESIA.

To register, a citizen must click on the "Personal Account of the Insured Person" button at the bottom of the main page of the PFR website or in the "Electronic Services" section. After loading the login window, click the "Register in the ESIA" button and follow the further instructions.

IMPORTANT! There are three levels of account verification in ESIA:

Level 1 - "simplified account". To receive it, you only need to enter your full name, mobile phone or e-mail.

Level 2 - "verified account". To receive it, you must fill out the proposed questionnaire and go through online check SNILS and passport data.

Level 3 - "verified account". To receive it, it is necessary to confirm registration during a personal visit to a specialized center of Rostelecom by ordering a confirmation code by registered mail via Russian Post or using an electronic signature tool or UEC.

In order to use the services of the Insured Person's Personal Account, it is necessary to have a "verified account" level.

5. Question - Why can not the entire length of service be indicated for a citizen in the data displayed in the Personal Account?

Answer - The information reflected in the service "On the formed pension rights" of the Personal Account of the insured person was formed on the basis of the reporting data of the insurers submitted to the Pension Fund of the Russian Federation and recorded on the individual personal accounts of the insured persons.

In this regard, the lack of information on experience is possible for the following reasons:

1) the reporting submitted by the employer contains errors and has not yet been corrected at the time the citizen receives the information;

2) the employer has not submitted the relevant reports;

3) the employer did not officially employ the citizen (there is no entry in the work book, there is no contract, no contributions to the Pension Fund were accrued (if the employment was after 2002)).

6. Question - A citizen has logged into the Personal Account, but the service “On formed pension rights” is not available to him for viewing or is available in an incomplete volume. Why (this question should be used only after the implementation of the functions indicated in the answer)?

Answer: There are two reasons for this situation:

1) The citizen is already a recipient of a pension.

For recipients of old-age and disability pensions, the service “On formed pension rights” of the Personal Account of the insured person is not available.

For them, the personal account of the insured person displays information about the type, amount and date of assignment of the pension received and the assigned social benefits. Information on pension rights formed since 2015, on pension savings and participation in the State Co-financing Program (if any) for these categories can be found using the service “Get notification of the status of an individual personal account (ILA)” of the Insured Person’s Personal Account.

For recipients of a survivor's pension, the services are available in full.

2) A technical failure or error has occurred.

If a citizen does not fall into the category specified in paragraph 1, it means that on this moment The service is unavailable for technical reasons. You need to try logging in again after a while. If the service remains unavailable for more than a day, report it through the online reception on the PFR website by sending a message to the Executive Directorate.

Answer — The service "On formed pension rights" is intended for persons who are not recipients of a pension (with the exception of persons who are recipients of a survivor's pension), so if the insured person is a recipient of an old age or disability pension, this service will not be available to him. Also, the service will not be available to persons who have requested an extract to assign a pension and who are working in advance when assigning a pension.

For persons who are recipients of old-age and disability pensions, the service “On the assigned pension and social payments” will soon be available, which will contain information on the type, amount and date of the assigned social payments.

FROM July of this year, citizens can apply for the appointment and delivery of a pension in electronic form.

At the beginning of the year, a new one appeared on the official website of the Pension Fund of Russia electronic service- "Personal account of the insured person". Now it is not necessary to come to the Department of the Pension Fund at the place of residence to find out about your formed pension rights. To do this, it is enough to go to the “Personal Account of the Insured Person” on the official website of the Pension Fund of the Russian Federation and in real time view the length of service and all information about your work activity, which are in the database of the Pension Fund.

But in order for the “Personal Account of the Insured Person” to be available to a citizen, you first need to register on the public services website. You can find step by step instructions- “How to register on the website of public services” and “Personal account of the insured person”. The instructions clearly show what steps you need to take to enter your Account.

One of key services"Personal Account" is to inform citizens about the formed pension rights online. For all citizens registered in the compulsory pension insurance system, an individual personal account of the insured person is opened in the Pension Fund. It is on the basis of the personal account data that the insured person will receive a pension in the future. In this regard, each person should carefully monitor the state of his personal account.

"Personal account of the insured person" provides more whole line services that are very convenient and useful for everyone. So, through the "Personal Account" you can apply for a pension in the form electronic document.

An application sent by a citizen through the "Personal Account" is automatically registered in the PFR Client Service software and hardware complex. When an application is sent to the citizen’s Personal Account, the status “Request sent for consideration” automatically enters, and when an application is received, the Client Service receives a new status “Request accepted for processing.” After a certain time, a generated notification about the availability of information on pension rights at the disposal of the Pension Fund will be sent citizen.

Filing an application for the appointment of a pension, the delivery of a pension in electronic form will allow you to plan the time of a citizen. Today, through the "Personal Account of the Insured Person", an application can be submitted for the appointment of an old-age pension (including early), a disability pension and a survivor's pension.

The work on receiving and processing applications for the appointment of a pension received in the form of an electronic document has been developed in order to improve the organization of interaction with insured persons and increase customer focus.

From January 1, 2015 on the official website of the Pension Fund of the Russian Federation (pfrf.ru) the electronic service “personal account of the insured person” began to function. The service turned out to be surprisingly informative and easy to use. A personal account allows any citizen, having passed a certain registration procedure, to receive information online about the pension rights formed for him. We are talking about experience, insurance premiums, information about pension savings, etc. In this article, we will try to tell in detail, in pictures, what information you can get for yourself by going to the personal account of the insured person.

How to enter the personal account of the insured person in the FIU

To enter your personal account, you must go to the official website of the Pension Fund (www.pfrf.ru)

The tab “Personal account of the insured person” is located in the very center at the bottom of the page

Those who have ever used the services of a single portal of public services (www.gosuslugi.ru) can immediately enter their personal account as an insured person.

To do this, enter the number in the appropriate fields mobile phone, SNILS or address Email and the password received earlier when registering on the public services portal.

For those who have not yet registered with the ESIA (Unified Identification and Authentication System), select the "Register" button.

After that, they will be redirected to the Unified Portal of Public Services. Here, following the proposed algorithm, you must enter the last name, first name and mobile phone number or email address. By filling in all the proposed fields.

After that, it remains only to receive an activation code (according to the proposed address options). It can be obtained in the following ways:

- by registered mail;

– at the office of Rostelecom;

- through the MFC.

Before receiving the activation code and directly activating your personal account, using this code, most of the functions in your personal account will not be available!

PFR services presented in the personal account of the insured person

So, the registration procedure in your personal account has been completed, we are in it. What information can be found by going to your personal account, and what actions can be taken - we will consider in detail:

1. Find out the number of pension points you have accumulated to date (and calculate the pension you have earned for this moment), as well as the duration of the insurance period worked out by you, and most importantly (!) - taken into account in the FIU.

By clicking on this tab, we go to the page

In the center of the page there is information about the length of service worked out by the insured person at the current moment, as well as the number of pension points accumulated by the insured person during the period of employment. There is a temptation to calculate what kind of pension this insured person has earned for 17 years 4 months and 5 days (as indicated in the office) of labor activity. It's not difficult - we multiply the number of accumulated pension points (43.814) by the cost of the pension point (from February 1, 2015, 71.41 rubles) and add a fixed payment (formerly called the basic fixed amount) - it is paid to all pensioners, in 2015 its amount is 4,383.59 rubles. As a result, we get a simple formula: 43.814 * 71.41 + 4,383.59 = 7512.4 rubles. This is the pension earned by the test specimen at the current moment. This is without taking into account pension savings - about them later.

2. Get detailed information about your insurance experience in the context of employers and reporting periods.

From the main page of your personal account, go to the tab “get information about the formed pension rights”

Select the tab "information about the experience and earnings ..."

This is the most interesting section of your personal account. Contains information about the length of service reflected on your personal account with the Pension Fund. In the upper part is general information about your insurance period: length of insurance period, number of pension points earned

Below is information on seniority, broken down by periods, organizations. Information is presented broken down by periods “up to 2002”

and “after 2002”.

The information is interesting for insured persons, because it allows you to control whether the entire experience is taken into account on the personal account in the FIU. Allows you to avoid surprises in the future, when, when assigning a pension, it turns out that some negligent employer “forgot” to hand over for you individual information in the FIU, enables the insured person to take certain actions to avoid this. Options for action in such situations are offered right there:

3. Get information about the amount of pension savings you have formed and where they are formed. Find out about your DVA payments (within the framework of the state co-financing program).

This magic button allows you to instantly generate (and, if desired, print) a notice of the status of an individual personal account - an analogue of the already forgotten “letter of happiness”.

The first part of the notice contains information that we have previously studied in other sections, namely:

– The number of accumulated pension points at the moment (individual pension coefficient), and information on how these pension points are calculated

– Information about the duration of the insurance experience.

The lower part of the notice is more interesting and is devoted to the citizen's pension savings.

Namely:

- Retirement option. Translating into human language - whether you have pension savings or not, and everything goes only to the insurance (distributive) pension.

– Where are your pension savings formed? In the case shown, they are formed in the NPF “Welfare”

– The amount of formed pension savings. In this example, more than 339 thousand rubles. These are the mandatory insurance premiums that the employer paid for you in the FIU. They will pay you a funded pension. It is calculated based on the period of survival - now it is 19 years (228 months).

– The amount of funds on your personal account received from your payments under the state co-financing program (DSV).

4. Get detailed theoretical information on the procedure for the formation of pensions at the present time.

To do this, you need to go from the main page of the account to the tab “Get information about the formed pension rights” and select the tab

Here you will receive detailed theoretical information (sometimes in pictures) about modern pension legislation. Namely:

– Pension calculation formula

– Necessary requirements for the appointment of a pension

– Retirement options

and much, much more that will interest your inquisitive mind.

This is an improved version of the pension calculator already known to everyone - it has become personal in your personal account. AT new version it takes into account already formed pension rights in pension points and length of service.

To access your personal pension calculator, you need to home page select the “Get information about the formed pension rights” tab, and go to the tab

The first block is the number of pension points already accrued and the length of service. In the data of the first block, a citizen using a calculator can add periods of military conscription, leave to care for a child or a disabled person. If such periods were in his life, then the number of pension points and seniority will increase.