In this article the system of pension insurance is stated, the explanation about voluntary participation of citizens in system of voluntary pension insurance is given.
Head department
The law of Ukraine About obligatory state pension insurance (further the Law) which came into force since January 01, 2004 cardinally changed principles of provision of pensions of citizens.
In – the first, the insurance experience now directly depends on the period of payment of insurance fees for the person, instead of from the press in the service record;
In – the second, the size of pension is directly proportional to the salary sum from which insurance fees in the Pension fund of Ukraine were paid.
Especially it would be desirable to pay attention of those citizens who consider to these changes in the Law that the state, irrespective of number of the worked years and the contributions paid in the Pension fund should guarantee them pension.
Today, it is possible to tell surely: the pension will be received only by the one who earned it!
At the same time the new legislation opens new possibilities for citizens is a voluntary participation in system of pension insurance.
The law settled questions of voluntary participation in system of obligatory state pension insurance for persons, which:
- temporarily work abroad;
- are trained;
- work, but officially aren’t the insured persons i.e. receive a salary in "envelopes";
For these categories of citizens the unique possibility of inclusion of such periods in an insurance experience is voluntary participation in system of obligatory state pension insurance.
Citizens of Ukraine, foreigners can take part in it and stateless persons which constantly live or students and other citizens who aren’t the insured persons work at the territory of Ukraine.
The persons, wishing to take voluntary part in system of obligatory state pension insurance, should address in territorial body of the Pension fund of Ukraine in the place of residence and provide the following documents:
- statement for voluntary participation in system of obligatory state pension insurance;
- certified copies: certificates of assignment of identification number; service record; identification paper (passport).
After providing documents with the applicant the Contract on the voluntary participation which validity period can’t be less than one year consists.
The contract designates the size and an order of payment of insurance fees, conditions of receiving by the insured person of the right to pension payments, conditions of cancellation of the Contract, the right and an obligation of the parties for default of conditions of this Contract.
Payments for the current period can’t be less than the minimum insurance fee (minimum wage work in the current period, on the operating tariff established by the Law at present).
Along with possibility of voluntary payment of insurance fees for the current period, the insured persons have a possibility to pay insurance fees for previous years, beginning 2004. It is financially favorable, for example month of an insurance experience in January, 2004 costs only 83 UAH. 84 kopeks, for comparison the size of the minimum insurance fee make today 200 UAH. 86 kopeks.
Such type of insurance as pension, is not only a source of existence of the person in an old age, but also as a result of disability or in connection with loss of the supporter.
According to the current legislation the person who has lost work capacity, can receive pension payments on disability only in the presence of an insurance experience.
For example, for the person of reached 23-year age, two years of an experience are necessary. It concerns also pensions on loss of the supporter, i.e. the state provides payments not only to citizens, but also their children.
Thus voluntary participation in system of obligatory state pension insurance gives the chance to keep a pension insurance experience, thanks to payment of insurance fees in the Pension fund.
Pension insurance today almost one really observed constitutional guarantee of the state. Though the sizes of pensions are far from desirable, but under condition of acquisition of a necessary minimum of an insurance experience (for men of 25 years, for women of 20 years) labor pensions are appointed not below a subsistence minimum established by the state.
Moreover, the subsistence minimum is annually reconsidered towards increase, and the size of pension respectively increases. Any private financial institution can’t guarantee today it.
N. Pigareva, the deputy head of department of the Pension fund of Ukraine in. A pike perch of AR Crimea on receipt of the income to the personified account.