Many pensioners are accustomed to receiving their pensions at the post office; for others, the postman brings money to their home. Thanks to modern technologies, pensioners have payments transferred to a bank card. Unlike receiving funds via mail, the card is not tied to a specific date. The Pension Fund of the Russian Federation has established deadlines for paying pensions to a Sberbank card.
General provisions on payment of pensions to the card
To receive a pension on a card, you need to write an application. You can fill out the form at the Pension Fund branch, Sberbank offices, and departments of multifunctional centers. To transfer a pension you need to provide a passport and SNILS. You can also submit an application online, on the bank’s official website.
Receiving a pension on a card has a number of advantages:
- no need to go to a bank branch or wait for the postman;
- the pension is transferred instantly immediately after accrual by the Pension Fund;
- no need to worry about the safety of funds and carry cash with you;
- additional income in the amount of 3.5% per annum , which is accrued every three months on the card balance;
- fast payment for housing and communal services;
- bonuses when purchasing goods from partner stores.
Card issuance and maintenance is free of charge. No commission is charged for basic transactions: cash withdrawal, account replenishment, telephone and rent payments. If an elderly person cannot withdraw cash from a card, any loved one can do this; you do not have to draw up a power of attorney for this.
Sberbank Maestro pension card.
Last changes
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There are a lot of disabled people living in Russia, but despite this, each of them is provided for in such a way as not to appear one day below the poverty line.
A special type of pension is provided for this category of citizens.
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The procedure for receiving a pension on a Sberbank card
Starting from July 2020, the pension is credited to a card running on the MIR payment system. All previously issued Maestro cards will be valid until the expiration date indicated on the front of the card. After this date, the old card can be exchanged for a new one free of charge by contacting the bank employees.
MIR card for pensioners.
Why is my pension not credited to my account?
It often happens that a pension is not credited to a Sberbank card the first time after its registration. The reason for this may be errors made when filling out documents. When filling out the paperwork, the pensioner could have provided inaccurate information, or the PFR employees themselves entered the information incorrectly.
In this situation, you need to visit the PF (pension fund) branch at your place of residence. They will determine what the problem is and help you understand the issue. Sometimes this may turn out to be a normal delay in the transfer of funds.
There are many reasons why a pension may be transferred to a bank card late. A pensioner, in most cases, cannot influence the situation. The payment may not arrive in the bank account because:
- There are no funds in the Pension Fund. This is considered one of the most common problems. Solving it is not that difficult. When the required amount becomes available, it will be distributed to all recipients. This happens extremely rarely, but it is still possible.
- Technical problems. This usually happens in the winter (December, January), when pensions are indexed and documents are updated. In this situation, the Pension Fund transfers money to a bank card in a few days.
- Weekend at the bank. This may be the reason for a delay in payment, since the crediting of money often falls on non-working days at the bank. Funds transferred to the PF may get stuck on the way to the account. The same situation occurs on the first working days after long holidays - the bank does not accrue money because it has not yet managed to distribute the transferred funds. The pension arrives the next day.
- Delays in document circulation. It often happens that the first pension payment is made later than the stated deadline. In this case, the PF did not have time to transfer the necessary documents to the bank. The following payments will be transferred in a timely manner.
- Re-examination. In some cases, pensioners are entitled to benefits related to disability. Every year they undergo a medical examination and update documents in the Pension Fund. While new certificates are being processed, transfers may be delayed.
If funds are not credited even 7 days after the due date, you must act independently.
Determining the transfer schedule
How the date is set. If you do not have the opportunity to check your card balance in a timely manner, you can find out whether you received a pension this month by calling the Pension Fund hotline. It is this organization that determines the procedure and timing of settlements, and the bank acts only as an intermediary.
Sberbank does not accrue funds and does not set a pension payment schedule. The transfer always takes place on the same date of the month. It is possible to postpone the payment date by 2-3 days for technical reasons. The terms for crediting funds may vary in different regions.
The reason for this is the need for an even distribution of Pension Fund funds. In most subjects of the Russian Federation, pensions are calculated before the 15th of the current month. In other regions, pensions are transferred no later than the 21st of each month.
You can withdraw the funds received on any convenient day. As a rule, the first pension accrual is considered the starting date; it is this date of each month that you should wait for a new receipt of funds.
Frequency of transfers. Citizens who receive a labor pension receive payments monthly. Accrual occurs for the current month. The schedule may change throughout the year, it depends on many factors: the number of pensioners living, territorial and administrative features, the amount of allocated funds.
The Fund notifies citizens of the upcoming accrual date through the media and announcements. Some divisions of the Pension Fund draw up an accrual schedule in advance and post it on their website.
Where can I call
If suddenly citizens, for some reason, did not wait for their pension accruals to arrive within the required time frame, they can find out what’s wrong with a phone call. You need to contact the following numbers:
- Sberbank: 8-800-555-55-50. 24/7 hotline. The bank employee will at any time explain all questions of interest to the bank client. This will include checking the accuracy of the details specified in the application. If there are no errors, you should call the PF.
- Pension Fund: 8-800-775-54-45. Number of the 24-hour Contact Center. Fund employees will clarify whether pension payments were made using the card, and will also carry out the necessary reconciliation of all payment data.
In the event that neither calls to hotlines nor visits to authorities bring the desired result, and the pension is never paid, it is necessary to complain to the relevant authorities.
Employees of the Pension Fund are required to search for a “lost” pension.
Methods of obtaining
There are several ways to receive a pension:
- at Russian Post;
- pension can be delivered to your home;
- to a bank card.
If you prefer to receive money in person at the post office, they will create a schedule for you and tell you what date you need to appear in the next month. This method is not the most convenient, because you will have to wait in line or wait for the postman to arrive at your home. You will not have to pay for delivery of your pension. If the pensioner is not at home when the postman arrives, he can receive the due payment at the post office. Payment by proxy is also possible.
If you have chosen the method of receiving your pension on a Sberbank card, after transferring the amount you can use any ATM or terminal to withdraw cash. To do this, enter your plastic card and enter the PIN code, then select “Cash Withdrawal” and indicate the required amount. You can also make non-cash payments directly from your bank card.
If the store has a payment terminal, insert your card into it and enter the PIN code. If the card supports contact payment, make sure that the payment amount is correct and place the card on the reader.
How can I find out the date and time of delivery of funds?
It is very easy to obtain such information. The fact is that in order to organize high-quality service when paying pensions, a special schedule is drawn up regarding the delivery of collateral. A similar schedule can be observed in every post office. According to it, a specific date for receiving the next amount is set.
There are situations when the day you receive money falls on a weekend:
- In this case, the pension may be delivered a little earlier. However, the recipient will still receive the amount in the same month and no earlier than three days before the appointed time;
- The limited person can receive his money later, but within the delivery period, which is strictly controlledImportant. there is a post office.
For what reason may the money not be transferred?
The process of crediting pensions to the account is not fully automated. During its execution, failures and errors may occur, due to which the transfer of funds may be delayed. The reason for this may be a malfunction in the system, an error by bank or Pension Fund employees.
Check your card balance regularly and if you find an error, immediately contact your bank or Pension Fund. First of all, get account details from the bank, which will confirm that social payments were not transferred. Then check the information about the transfer of funds from the bank and the Pension Fund.
For convenience, you can connect your mobile bank to receive an SMS notification every time you debit or top up your account. For pension card holders, the first two months of the service are provided free of charge, then a monthly fee of 30 rubles is charged.
Establishing the day of treatment
If you believe Federal Law No. 400, then a pension for disabled citizens is assigned immediately after a disabled person has applied to the Pension Fund of the Russian Federation with a corresponding application. However, there are exceptions to this rule provided for in parts 5 and 6 of the mentioned federal law :
- It is worth noting that the day of application for a pension is considered to be the day on which the advising organization accepted from the applicant all the documents necessary for registration. But if the application itself was sent by e-mail, then the day of application is considered to be the date written in the postmark of the organization engaged in e-mail delivery.
- We must not forget that the period for calculating a pension may be extended due to difficulties during registration, for example, if a disabled person forgot to attach any important document to the general package. Missing papers must be provided no later than 3 months from the date of receipt of notification of the incompleteness of the package of documents
The list of papers must clearly comply with what is written in Part 7 of Article 21 of Federal Law No. 400. If there are inconsistencies, Pension Fund employees notify the applicant about this and ask to bring the necessary papers.
Changes in 2018-2019
At the moment, the Pension Fund has not announced significant changes in the pension payment schedule for 2020. Reforms in this area mainly affected the procedure for calculating pensions.
Now, in order to receive a pension, you must receive 13.8 pension points and 9 years of officially confirmed work experience. By 2025, it is planned to introduce a standard of 15 years of experience and 30 points . One-time payments in the amount of 5 thousand rubles were not paid in January.
How to determine the moment of accrual?
Even after a certain citizen has received a disability of a certain group, he should not expect that the pension will come automatically, because it still needs to be processed. Unfortunately, no one keeps track of who lost their ability to work and when, and no one assigns support to everyone in need offline.
In order for payments to be accrued to a newly disabled person, you must contact the Pension Fund office located at your place of residence. Only after the pension fund considers the citizen’s application, makes a positive decision, and then notifies the applicant about this, the security is credited to the account of the disabled pensioner and its payment begins on a monthly basis.
The assignment of a disability pension occurs in full compliance with Federal Law No. 166 , which regulates pension provision of the state variety. If the application is refused for some reason, then this is a reason to file a complaint against specific employees of this institution.
In this case, not only a pension is issued, but also a monthly payment, which can be accrued from the moment the corresponding application is submitted to the Pension Fund.
Features of payment of disability benefits to a Sberbank card
The specifics of calculating a disability pension depend on many factors. The category of disability matters: confirmed or lifelong. For those who are assigned a lifetime payment, the procedure and procedure for receiving it does not differ from a regular labor pension.
Those who have to undergo an annual examination to confirm their right to payments must adhere to a special procedure. The payment date may change annually and depends on the time of completion of the commission.
The deadline may be delayed for several days due to bureaucratic formalities between the medical institution and the Pension Fund. Money is transferred monthly, on the same day. It is possible to postpone the date by 1 - 3 days for technical reasons.
At what age are labor pension benefits paid to disabled people?
When it comes to pensions provided to disabled people, the age of such comrades does not matter if it is not provided for by the wording of a specific category to which the citizen is directly related.
However, if we are talking about a labor disability pension, then it is paid when a person disabled for any disease reaches a certain age and immediately goes on a well-deserved rest. Disabled men can apply for support at 60 years old, and females at 55 .
If we are talking about work in production classified as hazardous, then the retirement age is reduced by 10 years. Thus, a limited male person working in such conditions will be able to retire and receive decent security at the age of 50.
What to do if your pension is delayed
The rules for when pensions are issued to pensioners are adopted at the legislative level. Up-to-date information can be found in the Pension Fund and the social protection authorities of your city. If delays are expected, employees are required to inform pensioners about this. But if you miss the notification, you can always come to the branch in person or just call the phone number.
Pensioners who have computer skills can always view the charts via the Internet. Current information is posted on the websites of government agencies.
Reasons for delayed pensions
Delays in accrual of payments can occur both due to the fault of the credit institution, the pension fund and the citizen himself, and under the influence of factors beyond their control.
Most situations that cause delays in benefits are resolved within a few days
The main reasons why the pension did not arrive on the card include:
- Lack of adequate funds in the Pension Fund. Then employees wait for a sufficient amount of revenue from the Federal budget and send it to pensioners. In rare cases, when there is a shortage of capital, partial accrual of amounts is possible, and later an additional payment is made until the debt to the person is fully repaid. Nowadays, such a reason for delayed payments is extremely rare, since the state allocates funds primarily to provide for socially vulnerable categories of people.
- For technical reasons due to indexing. Delays occur at the end and beginning of the year. During the annual indexation of payments to the Pension Fund, special large-scale measures are taken to make changes to the base, resulting in minor delays (up to 5 days).
- Discrepancies between the PF and the credit institution data and incorrect completion of documentation. Often, inconsistencies arise when initially assigning a pension, opening a bank account, or switching from a savings book to a card. For example, there may be inaccuracies when generating a payment order in the Pension Fund, which may result in a refund. Or bank details are sent from the credit institution with a delay, and there are also data entry errors when issuing a card. Discrepancies need to be corrected and information about the recipient must be double-checked, which takes some time. This reason for delayed payments is considered the most common.
- Weekend at the bank. Commercial institutions can set their own work schedule, adhering to the recommendations of the Central Bank. For example, after a long weekend, transfers are usually not made on the first day of returning to work.
- Registration of disability. After a medical examination and assignment of a group, a person submits documents to the Pension Fund for a pension. During the processing of the provided data, there are often delays in the main payment and additional payments, sometimes they are received in parts. The same delays in transfers are possible even after re-examination.
- Lack of necessary papers. The citizen is notified what documentation must be submitted to the Pension Fund or credit institution. It is in a person’s interest to deliver the papers as soon as possible for the appointment and transfer of pension payments.
ATTENTION! It is possible to find out the reason for the delay in payments through the official resource of the Pension Fund of the Russian Federation.
It is important for the recipient to pay attention to the validity period of the card. When completed, it becomes invalid. At the same time, money continues to arrive in the account, but it will no longer be possible to withdraw it from an ATM or pay with a card in a store.
