The Pension Fund of the Russian Federation is an FIU. Management, main department, departments

The pension fund in the financial industry is very important. It is thanks to him that the national income is redistributed in different social systems. If you are interested in how this organization works, you need to understand that the FIU is a centralized system. It distributes and collects money.

The organization provides the necessary standard of living for citizens. The FIU is an institution that pays benefits to people. They for any reason can not provide for themselves. Not many are interested in what the organization consists of. But, having become acquainted with the basic principles of work, you can understand how the distribution of funds.

Work principles

The Pension Fund of the Russian Federation is represented in the form of an organization that provides financial support to people in the social category. Young people who start working should also transfer their contributions.

And the elderly, because they can not continue to work, receive a certain amount for life. FIU is an eternal cycle, having its own principles of work. In this structure there is a manager and employees.

Insurance premiums

The Pension Fund of the Russian Federation works thanks to national payments, which are considered to be his income. This serves as the basis for opening a large number of offices. An important place is occupied by special contributions and taxes. Their size is approved by law.

The largest costs are benefits. This amount is so large that the management of the organization often raises the question of where to get the money. The main income is insurance premiums. Monthly employers list specific amounts, determined from wages.

The FIU is an organization that still exacts payments, even if they are not paid voluntarily. In these cases, fines charged for 1 day of delay are also charged. If the payer's property was leased on the basis of a court decision or if financial transactions were suspended, the Pension Fund only then applies for a transfer of money. Penalty for this time is not collected.

Types of contributions

Many enterprises pay 22% of their salary to the fund. Some employees translate 8%, for example, researchers and IT organizations.

Agricultural commodity producers list 21%. Enterprises paying general contributions (22%) pay an additional 10% to the PRF budget.

Working with information

The Pension Fund carries out a personal account of the working citizens of the country. Under the 2002 reform, each employee must have his own savings account. It includes an amount of 16% of the 22% transferred by employers. The remaining 6% fall into the "common piggy bank".

Registration of pensions

When the retirement age comes, a citizen should apply to the territorial branch of the Russian Federation. Employees will be settled on the basis of the amounts of contributions that are on your personal account. Additional payments approved by the state are also taken into account.

Since the money accumulated for many years, a correction is performed on the level of depreciation. The result is the amount of the pension of a particular citizen. Then a pension document and payment instructions are created for the payment of funds.

Periodically, different programs exist in the Pension Fund. One of them is co-financing. It is valid for 10 years. Citizens are invited to independently invest in their funded pension of 12,000 rubles. The same amount is added by the state. For 10 years it turns out to collect 240 000 rubles, and to increase the accumulative part by 1111 rubles. Other types of programs can operate, only participation in them is necessary.

Other types of work

The main task of the fund is payment of payments to citizens who have the right to do so on the basis of current legislation. In addition, the institution works with issues of providing maternity capital.

Decrease in the birth rate leads to a decrease in the number of able-bodied population, and this is the reason for the insufficient filling of the RF PF. This is due to the receipt of unofficial salaries by citizens. Because of this, the state increases the insurance contributions of enterprises.

What does the Pension Fund mean for the elderly?

How should the Pension Fund of Russia work? The FIU is considered an independent organization. The institution must transfer insurance premiums, finance people who need social protection. Its duty is to collect money from citizens guilty of causing damage to colleagues and other people in the country.

When a person is injured, because of what he can not work, the fund must pay a pension. In addition, employees of the FIU must monitor timely receipt of insurance premiums, as well as their competent expenditure.

Types of payments

The means of the Pension Fund of Russia are used for the payment of pensions, serving as compensation for salaries for people who can not work. In our country there are several options for such payments.

The labor pension is given to women from 55 years old, and men - from 60. The pension is calculated if the length of service is 5 years. The Pension Fund also issues disability pension and survivor's pension.

Structure

The main department of the fund is the Board. To it carry the main functional body - Executive management. The latter works with the rest of the offices that are on the territory of the country. They also include administrative-territorial and state formations. They are located in the regions.

The management of the pension fund of Russia consists of urban and district structures. They collect money on insurance, work on regional programs, carry out control over funds. They are interacting with citizens. In addition to the RF Pension Fund, the Ministry of Communications and Labor is working on pension issues. The organization performs the assignment, redistribution and delivery of funds for payments.

The Board carries out the formation of reports on tasks, budgets, expenses. It operates on the basis of legislation, as well as the adopted budget. Head of the PFR is Anton Drozdov. He is recognized as a well-deserved figure of the Russian Federation.

Problems of the Fund

Due to the 2008 crisis, the Fund stopped some payments. To eliminate such problems, some measures have been used. Although it turned out to fill the lack of funds, but in 2009 the same problem appeared. In 2010-2011. The same was observed.

Each branch of the Pension Fund of Russia worked to overcome the crisis. As the number of people who need to pay benefits increases, the imbalance in the work of the branches of the organization becomes the cause of the deterioration of the situation.

To neutralize problems, the state increases the number of funds that are transferred to the FIU. Work with the tax and collection service was strengthened. Since 2010, there are insurance principles relating to the field of social security payments. Instead of a single tax, special payments began to be paid. This allowed to restore the work of the fund, improve efficiency.

The Role of Pension Reform

For today in Russia the pension system of a memory kind functions. With its help it will be possible to regulate the accumulated money that will be given to people in old age. The amount of payments is determined by the time a person worked, whether the employer listed the payments. Thanks to this, the expenditure part of the organization is reduced.

The funds transferred by the employer are not being received for benefits to pensioners at the moment. Money accumulates, and when a pensioner does not have the opportunity to work, he will be paid a benefit in the prescribed amount.

The savings system is more convenient than the distribution system. The reason for this is that the means of pension are recognized as the property of a person, not of the state. This principle increases the reliability of the system. Thanks to the cumulative principle, the economy is normal, which is an important task for the FIU.

Management of the FIU of Moscow

In each RF subject there is a territorial FIU. For any questions citizens should apply to the organization of the place of residence. Management of the FIU in Moscow is not one thing, each of the institutions helps the residents of the capital and the region to resolve all emerging issues.

The main branch is on Tverskoy Boulevard, house 18. The schedule of work is as follows:

• 9:00 - 17:45 every day, except Friday;
• Break: 12.30 - 13.00.

In addition to the main institution, there are other Moscow branches of the FIU that are open to the reception of citizens. Apparently, the structure of the FIU is not so complicated. Important in the work of the organization is how honestly citizens pay their contributions. If there is a white salary, then the funds are transferred to the country's budget regularly. It must be remembered that the fund works to protect the interests of Russian citizens.

In addition to state-owned, there are also non-state funds. Each of them offers its own programs. Before joining any, it is necessary to read the terms. Funds are based on the conclusion of contracts.