Obtaining information about the status of an individual personal account. How to get an extract from a pension fund

Date of: 13.01.2024

Containing an eleven-digit individual code, it is an insurance certificate of registration of a Russian citizen with the Pension Fund.

Securing your future pension worries every working person. It is not easy for people to sort out their pension savings, especially in modern conditions, when the pension system has been undergoing serious reforms over the past few years. The principles by which savings are calculated have already been changed several times:

The pension was divided into two parts – insurance and funded.
It has become possible to invest not only in state pension funds, but also in alternative pension funds.
Funds for pensioners who continue to work are accounted for as a separate item.

There are many innovations, and if a person gets lost in them, trying to understand what funds and where exactly are being accumulated for his future pension, SNILS can come to the rescue.

So, first things first.

Options for searching information about pensions using SNILS

Information about funds in a current account in a state or non-state pension fund is confidential. However, the account holder registered with the Pension Fund or Non-State Pension Fund has full rights to it. This right is confirmed by the SNILS number located on the unified personal card. Therefore, this number is the key to obtaining information about pension savings.

Citizens of the Russian Federation have several ways to clarify the issue that interests them.

Personal appeal to the Pension Fund of Russia. A visit to any branch of the Pension Fund can resolve many questions regarding pension savings. To do this, you need to have an insurance certificate (SNILS plastic card) and an identity card with you. The insured person will receive all the necessary information without any difficulties or delays.
Without leaving home (online). Modern technologies make it possible to check your pension “balance” easily and simply: just be an Internet user and register on the government services portal. It is also possible to find information on the official website of the Pension Fund, the new version of which became operational in 2015. Non-state pension funds also have their own official websites, which inform clients about the status of their pension account.

IMPORTANT! Information about the funded share of the pension, if it is placed in a non-state pension fund, will not be reflected on the government services portal. Requests for information of interest should only be made on the relevant official websites of certain NPFs.

Instructions for checking pension savings online through “government services”

Register on the “Public Services” portal (site https://www.gosuslugi.ru). To register, you will need to enter your last name, first name, mobile phone (or email). Previously, the key for registration was a card with a SNILS number, but now the registration procedure has been simplified. If you have previously registered on this portal, log in by entering your mobile phone (or email) and password.
On the main page of the site, in the “Popular on the portal” block, select the “Check pension account” item or through the “Service Catalog” -> “Pension, benefits and benefits” select the “Notification of the status of the personal account in the Pension Fund of the Russian Federation”.
On the page that opens, click the blue “Get service” button (you will have to wait a little).
At the final stage, you will see a page where, in paragraph 2 “Information about the status of your individual personal account,” you can either save on your computer or open a file with information about your pension in your browser. You can also print this statement through your “Personal Account”.

Here are the 4 steps in the screenshot:

Find out about your future pension through the Pension Fund website

If you prefer to use a direct search for information by contacting the “original source,” you can use the official website of the Pension Fund of Russia. Since January 2015, there has been a new section “Personal Account of the Insured Person”. With its help, you can clarify how much IPC (individual pension coefficients) a citizen has accumulated, as well as what length of service he currently has.

New user capabilities allow you to calculate approximate IPCs for each year. In addition, you have access to:

improved online pension calculator;
the ability to print out the received notification about the status of the pension account;
information about periods of work in a particular place and contributions accrued by certain employers.

Obtaining information about the “pension wallet” through the Pension Fund website

We present step-by-step instructions for Internet users.

We go to the PFR website – http://www.pfrf.ru and click on the link “Citizen’s Personal Account”.
Next, in the “Formation of pension rights” section, click on the link “Get information about generated pension rights.”
In the next step, you will need to log in to the State Services portal. If you are already registered there, then simply enter your email and password. Otherwise, go through the registration procedure, for which you will need to enter your last name, first name, mobile phone (or email).
Now you are in your “Personal Account”. Here you will see your insurance experience according to the Pension Fund of the Russian Federation. Also from your personal account you can request “Information about experience and earnings reflected on your ILS.” It contains information that employers have given and continue to give. Based on them, the account holder can clarify the periods of work, places of employment and the amount of transferred contributions, that is, all the information on the basis of which the coefficients are calculated. If you need a printed extract from the Pension Fund, click the link “Get information about the status of the ILS.” The system will instantly generate a document in Word format, which you can save and print at any time. Another possible option is “Calculate future insurance pension”. Click on this link to find out what you can expect this year. The calculator will be based on the information you provide: you can enter periods of maternity leave, military service, etc., and thus calculate the expected number of pension points.

Here are the 4 steps in the screenshot:

ADDITIONAL FEATURES! In addition to receiving information about pension savings, you can use your Personal Account to contact the Pension Fund, make an appointment for a specific time, etc.

How easy it was before 2013

Until 2013, working citizens did not worry about their pension savings. Because we regularly received written notifications from the Pension Fund - reports on funds received for the previous year. After this year, this order was canceled. The Pension Fund began to send such documents only upon special requests (written statements), so the issue of obtaining this information again became relevant for citizens.

Until 2013, it was possible to find out its condition from the annual so-called letters of happiness - notifications about the condition of a special part of the ILS. In 2013, the mandatory distribution of these notices was canceled (PFR Information dated June 11, 2013).

Note. Insured persons who form pension savings are informed by the territorial bodies of the Pension Fund of the Russian Federation about changes made to their personal information system in connection with the adjustment of information on additional insurance contributions for a funded pension, employer contributions for co-financing pension savings and income from their investment ( Part 1 Art. 15.1 Law of April 30, 2008 N 56-FZ; clause 2 Order, approved. Resolution of the Board of the Pension Fund of October 23, 2017 N 666p; Appendix 2 to Resolution No. 666p).

Currently, persons who are insured in the compulsory pension insurance system can obtain information about the status of their individual pension insurance in the SZI-6 form upon their request. Information is provided free of charge (Article 7 of the Law of December 15, 2001 N 167-FZ; paragraph 5 of Part 2 of Article 16 of the Law of April 1, 1996 N 27-FZ).

You can obtain information about the status of the ILS by contacting the territorial body of the Pension Fund of the Russian Federation directly or through the MFC (if an interaction agreement has been concluded between the Pension Fund and the MFC and the submission of these applications is provided for in the list of services provided by the MFC), as well as by sending a request in electronic form through your personal account at website of the Pension Fund of Russia or the Unified portal of public services. In addition, some banks participate in informing about the status of the individual financial system (clause 13 of the Administrative Regulations, approved by Order of the Ministry of Labor of Russia dated January 16, 2017 N 38n; Information from the Pension Fund of the Russian Federation dated June 11, 2013).

Let's take a closer look at each of these methods.

1. Obtaining information about the ILS through your personal account on the Pension Fund website or the Unified Portal of State Services

Sending a request through your personal account on the PFR website or the Unified Government Services Portal is the fastest way to obtain information about the status of the ILS. Information is provided on the day of request in real time (Part 1, Article 14 of Law No. 27-FZ; Resolution of the Board of the Pension Fund of the Russian Federation dated September 17, 2014 No. 374p; clause 13

Let us remind you that in order to gain access to the personal account of the insured person on the Pension Fund of Russia website, you need to register on the website www.gosuslugi.ru or in the Unified Identification and Authentication System (USIA).

On the Unified Government Services Portal, you can obtain the information you are interested in in the subsection “Notice on the status of a personal account in the Pension Fund of the Russian Federation” in the “Pension, benefits and benefits” section in the service catalog.

2. Obtaining information about ILS from the territorial office of the Pension Fund or MFC

When applying for information about the status of the individual’s personal information system to the territorial office of the Pension Fund of the Russian Federation or the MFC, you must submit a corresponding application and an identification document (for example, a passport). If you wish, you can also present SNILS (clause 15,

Documents can also be sent by mail, but in this case they must be certified in the prescribed manner, in particular by a notary (Article 77 of the Fundamentals of Legislation on Notaries; Clause 17 of the Administrative Regulations).

Information on the status of the ILS will be prepared within 10 days from the date of application (Part 2, Article 16 of Law No. 27-FZ; Clause 13 of the Administrative Regulations).

At your discretion, you can receive information in person, by mail or electronically, indicating the method you have chosen when making a request for information about the ILS (clause 17 of the Administrative Regulations).

Note. Application forms for receiving notification of the status of the ILS by registered mail and for obtaining an extract from the ILS independently from the territorial office of the Pension Fund of the Russian Federation can be found on the Pension Fund's website.

3. Obtaining information about personal insurance in banks

Some banks with which the Pension Fund of Russia has entered into relevant agreements (for example, Sberbank of Russia) inform insured persons about the status of their individual insurance policy. Information about the status of your pension account can be obtained in printed form from the operator or in electronic form through ATMs using Internet banking (PFR Information dated 06/11/2013). In addition, credit institutions can provide clients with access to their personal account on the Pension Fund of Russia portal and on the EPGU to obtain information from the Pension Fund of the Russian Federation about the status of the individual information system (Letter of the Pension Fund of the Russian Federation dated 08/07/2014 N LCH-08-19/10044 “On information interaction with credit organizations ").

Additionally, we note that you can also contact your employer, who is obliged to provide you with a copy of the data submitted by him to the Pension Fund for the purpose of individual (personalized) accounting for inclusion in your ILS (Part 2 of Article 15 of Law No. 27-FZ). However, it must be taken into account that this information is not equivalent to information about the state of the HUD (according to

We addressed this question to the Pension Fund Office to the head of the personalized accounting department, Oksana Vladimirovna Manko.

Corr: What is an individual personal account?
Manko: An individual personal account in the compulsory pension insurance system is not an analogue of a bank account. This account does not store money, but information about the citizen’s pension rights. Throughout your working life, employers pay insurance contributions for compulsory pension insurance, which are recorded on your individual personal account with the Pension Fund of Russia. Information about your voluntary contributions to your future pension, as well as information about your insurance period, is also reflected here.

Wherever you work at different periods of your life, information about your length of service and your employers’ insurance contributions to the pension system is received by the Pension Fund of the Russian Federation, recorded on your individual personal account and determines your future pension rights.

Correspondent: On what basis is an individual personal account created?

Manko: An individual personal account is opened on the basis of a questionnaire, which you can submit either independently to the territorial authority at your place of residence, or through your employer. As confirmation of opening an account, you will receive a certificate of compulsory pension insurance, the so-called “green card” with a unique number for this account - SNILS. Most Russians were registered with the Pension Fund back in 1996-2001.

Corr: How does a pension depend on salary?

Manko: The basis of your future pension is the employer's insurance contributions, which are paid monthly for you to the Pension Fund of the Russian Federation. With gray remuneration schemes, insurance contributions are either paid in a minimal amount or not paid at all. In these cases, funds are not received to replenish your pension account or your future pension is formed in the minimum amount.

Remember that only with a white salary your pension capital is formed. Check the status of your individual personal account to find out whether your employer is transferring insurance premiums for you in the proper amount.

Corr: How to find out the status of an individual personal account?

Manko:
· On one's own
You must come to the Pension Fund at your place of residence or work with a passport and an insurance certificate of compulsory pension insurance and write a corresponding application. After 10 days from the date of application, you will be able to personally pick up an extract from your individual personal account
· Through the Internet
You must register on the Unified Portal of State and Municipal Services

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That is why all employers are required to make appropriate contributions for each of their employees to a special state extra-budgetary Pension Fund.

At the same time, various institutions often require information from the Pension Fund to perform certain actions.

You can get it in various ways - by directly contacting the office of this institution or via the Internet.

If you need to obtain an extract, you should familiarize yourself in advance with all the main stages of obtaining it.

Important aspects

The Pension Fund of the Russian Federation currently accumulates and invests funds that are officially transferred to it by the employer for each person.

Moreover, the size of the pension upon reaching retirement age will depend on the size of such contributions.

Every citizen of the Russian Federation has a personal account with the Pension Fund. If necessary or desired, it is possible to familiarize yourself with all the information regarding this account.

This can be done by issuing a special extract. It includes the most detailed information about the amount of funds, as well as other information.

Before applying for this type of extract, you will need to understand the following questions:

what it is?
purpose of the document;
legal grounds.

What it is

Previously, for quite a long period of time, the Pension Fund of the Russian Federation carried out a constant mailing with information about the personal account of a specific individual.

But this does not mean that the future pensioner, any citizen of the Russian Federation, will not have the opportunity to obtain information about the accruals that the employer makes for him.

An extract from the personal account of the insured person from the Pension Fund is a document presented in the form of a table.

It includes the following main sections:

record number in order;
storage part;
insurance part;
which organizations carried out the accrual.

This information about the amounts accrued to the account of a particular citizen is reflected at the bottom of the document.

Also, in addition to this table, the statement must reflect other information:

Document name and date	For which it is considered valid (formation time)
Last names, first names and patronymics of the person	For whom this statement was generated
Insurance number is indicated	Individual personal account
Date of birth is indicated	—
Information about insurance premiums	A table is indicated in which the amounts are indicated, as well as the name of the main indicators
Growth rate	—
Total amount of funds in the personal account	—
The management company is indicated	Which handles all funds on the personal account

The document format of this type is completely standard. The online statement of JSC Unified Accumulative Pension Fund also contains all the data indicated above.

That is why problems usually do not arise when “deciphering” this type of document. It is only important to take into account the relevance of the extract.

Since regular payments to the personal account of the future pensioner are made by the employer constantly, every month.

Purpose of the document

Receiving an extract from a personal account allows you to solve a large number of different problems at the same time.

First of all, this is obtaining up-to-date information about deductions associated with the formation.

Moreover, both insurance and savings. Using a document of this type, it will be possible to have an idea of the funds contributed by the employer.

Also, an extract of this type may be required in the following cases:

when applying for a disability pension;
if you need to apply for a military pension, according to length of service, or another;
to check the correctness of the calculation and formation of the pension.

Today there is always a human factor involved. That is why it is worth constantly monitoring the funds that are credited to your personal account at the Pension Fund.

This way it will be possible to avoid a large number of problems in the future when calculating the amount of the pension. An extract is required for a large number of different actions.

Up-to-date information about the status of your personal account is required by many institutions. Therefore, it is worthwhile to figure out in advance how to obtain such an extract.

Legal grounds

Today, the legislation itself covers the process of calculating pensions, as well as a large number of other issues related to the work of the Pension Fund of the Russian Federation, in special legislative norms.

At the moment, the fundamental legal documents addressing this issue are the following:

If possible, persons to whom a pension is calculated should familiarize themselves with the following sections of Federal Law No. 173-FZ of December 17, 2001:

It is also worth considering the main sections, since this is what is now used in carrying out various actions related to pensions.

The previously used one is currently only partially effective. Some of its chapters are invalid and no longer apply.

Today, Federal Law No. 400-FZ of December 28, 2013 includes the following basic data:

	Basic provisions related to legal regulation and other main points
	How and when insurance pensions are assigned, other main points are indicated
	The procedure for calculating the amount of insurance experience
	The amount of insurance pensions is established, the main points associated with fixed payments are indicated
	Direct assignment of insurance pensions, as well as their subsequent payment and delivery
	How the rights to early old-age pensions are preserved, various transitional provisions are established
	Lists final provisions related to pension accruals

Equally careful attention should also be paid to the various applications outlined in this regulatory document.

These primarily include the following:

There are also other specialized legal acts that regulate the issue of receiving a pension and its assignment.

They apply to certain groups of people. These are government employees, disabled people and others. If necessary, you should also carefully read the NAP data.

How to order an extract from the Pension Fund

Previously, to receive information from the Pension Fund of Russia, it was necessary to wait for the next letter. Today you can independently and at any time get acquainted with all the necessary information.

You can order an extract today in various ways. To avoid wasting time and other difficulties, you should carefully consider the following issues:

procedure of application;
online opportunities;
if through State Services;
sample document.

Application procedure

The procedure for applying for an extract of the corresponding value, first of all, depends on the method of obtaining the document of the type in question.

At the moment, you can receive an extract in one of the following ways (or several at the same time):

It must be remembered that when applying in person, in addition to a properly drawn up application, you will need to submit the following documents:

passport of a citizen of the Russian Federation or another that proves identity;
pension insurance certificate (SNILS).

There are some peculiarities associated with receiving an extract in this way. You should definitely familiarize yourself with them in advance.

Opportunities online

Every day the method of obtaining the type of statement in question online is becoming more and more popular.

To do this, you can use a variety of services. This may be the Gosuslugi website or directly the official website of the Pension Fund.

It should be remembered that today it is possible to obtain such documents through various types of credit organizations.

The easiest way to do this is through Sberbank Online. In your personal account, you just need to click on a couple of buttons.

After which all the necessary information can be simply printed on a printer. Or it is possible to send it to its destination by email.

If through State Services

Every day, an increasing number of different services can be obtained through the State Services portal. Also, using this resource, it becomes possible to issue an extract from the pension fund.

The resource is located at https://beta.gosuslugi.ru/. To receive an extract, you will need to log in (enter the previously set login and password) and go to the appropriate section.

The statement will be sent to the email attached to the specific account.

Sample document

To avoid various kinds of complications related directly to the receipt and subsequent decoding of the extract, it is worth familiarizing yourself with its sample.

How to read information about the status of an individual personal account received through the Personal Account of the insured person, the Unified Portal of State (municipal) Services (EPGU) or through the territorial body of the Pension Fund of the Russian Federation

1. At the beginning of the general information block there is technical information: details of your request, on the basis of which and as of what date this information was generated.

In addition, your personal data is indicated: full name, date of birth, number of your individual personal account in the Pension Fund (SNILS), as well as the number of years of service taken into account for assigning a pension, and the number of individual pension coefficients (pension coefficients). Coefficients are calculated for each year of work, subject to the accrual of insurance contributions for compulsory pension insurance by employers or you personally. .

Please note that if you are already a recipient of a pension, then information about the length of service taken into account when assigning a pension is not reflected in the Information form.

2. The formation of pension rights in coefficients began in 2015. The first block contains information about periods of work before 2015, and after 2015 information about the period of work, as well as the amounts of payments of other remunerations and the amounts of accrued insurance contributions for the insurance pension, on the basis of which the value of the IPC is calculated.

If you started your career before the specified year, then all your generated pension rights are transferred to pension coefficients for assigning a pension to you in the future according to the new formula. The second block indicates the number of pension coefficients and its components earned before 2015 (if any).

3. Also in the second block the basic information on the basis of which the number of pension coefficients was calculated for periods before 2015 is described. The average monthly earnings for 2000-2001, the total length of service, as well as detailed information about the places of work and earnings of the insured person during this period are indicated. This data is necessary for calculating the estimated pension capital for further conversion into coefficients.

4. The fourth block indicates the amount of the estimated pension capital formed from insurance contributions in the period from 2002 to 2014. Moreover, the total amount of capital is indicated taking into account the indexations carried out. To convert pension rights into coefficients, the amount of the monthly payment of the insurance part of the old-age pension that you would have received as of December 31, 2014 is calculated from the amount of the estimated pension capital. In this case, the fixed base size is not taken into account, and then the resulting amount is divided by the cost of one coefficient as of January 1, 2015 (64.1 rubles). Your total coefficients earned before 2015 (if any) are shown in block 2.

This block also reflects detailed information about places of work, accrued and recorded insurance premiums, as well as periods of work included in the insurance period.

If you believe that any information has not been taken into account or has not been taken into account in full, please submit it to the Pension Fund.

3-4. The information posted in these blocks is reflected depending on participation in, as well as on the insurer with whom the insured person forms his pension savings.

if you do not have pension savings and you are not a participant in the State Co-financing Program for the formation of pension savings, then block 4 will not be displayed;

if you are forming pension savings, and the insurer is the Pension Fund of the Russian Federation, and you are a participant in the State Co-financing Program for the formation of pension savings, then blocks 3-4 will be displayed for you;

if you are forming pension savings, and the insurer is a non-state pension fund, and you are not a participant in the State Co-financing Program for the formation of pension savings, then blocks 3-4 will be displayed for you

5. The third block contains the following detailed information if you are forming pension savings in the Pension Fund of the Russian Federation

the selected management company (private or state-owned Vnesheconombank) and the selected investment portfolio. If you have not chosen any management company, then your pension savings are in trust management of the state management company Vnesheconombank (investment portfolio - EXTENDED);
the total amount of pension savings taking into account their investment with distribution according to the sources of formation of the funded pension:

Due to insurance premiums;

At the expense of insurance contributions within the framework of the State Co-financing Program for the formation of pension savings, including employer contributions (if the employer is another party to the Program and pays contributions from its own funds in your favor), state contributions for co-financing and the result of their investment.

6. The fourth block contains detailed information if you are forming your pension savings in a non-state pension fund:

the name of the NPF to which, in accordance with your choice, the amount of pension savings was transferred;
the total amount of insurance contributions received for a funded pension, excluding their investment, distributed by sources of formation of a funded pension:

Due to insurance premiums;

At the expense of maternal (family) capital;

At the expense of insurance contributions within the framework of the State Support Program for the formation of pension savings, including employer contributions (if they are another party to the Program and pay contributions in your favor) and state contributions for co-financing.

7. The fifth block contains information about the date of establishment and the amount of the insurance pension, a fixed payment to the insurance pension, the amount of the funded pension (if any), an urgent pension payment or the amount of a lump sum payment of pension savings (only in the case of the formation of the SZI-6 form on the date of the month in which pension savings were paid out.