Types of insurance payments
Insurance payments assigned to a citizen in the event of loss of ability to work due to an occupational illness or accident during work are of two types:
- one-time;
- monthly.
The amount of payments depends on the average earnings of the insured person, which is calculated based on his total income for a certain period of time. To calculate the amount of insurance payment, it is necessary to multiply the average income of a citizen by the degree of loss of ability to work.
The last component of the algorithm is determined by a specially created commission after conducting a medical and social examination (otherwise MSA). In addition, when calculating the amount of payments, salary bonuses and regional coefficients are taken into account.
In the event of the death of an insured citizen, a one-time payment of 1 million rubles is received by his close relatives. In this case, the amount is divided between each family member in equal shares.
According to Article 11 of Federal Law No. 125 of July 24, 1998, monthly payments are subject to adjustment taking into account the level of inflation in the country.
In addition, the legislation establishes maximum amounts of compensation in favor of employees who have lost their professional performance. In 2020, the maximum payment amount reaches 72,290 rubles 40 kopecks, and in 2020 – 75,182 rubles.
FSS calculation certificate form 2020
The main document for applying to Social Security is a statement of calculation, where all your social charges and payments, information on contributions and the amount due to you are listed line by line.
To reimburse benefits, from January 1, 2020, Social Insurance obliges enterprises to use the calculation certificate from the letter of the Federal Social Insurance Fund of Russia dated No. 02-09-11/04-03-27029. This form, in fact, is Appendix 1 to the application for the allocation of funds for insurance coverage.
certificates - calculation of the Social Insurance Fund 2020, breakdown of expenses 2019
When is it possible to submit an application to the Social Insurance Fund for payment of insurance coverage?
In order for a citizen who has lost his or her professional ability to receive an insurance payment, two important conditions must be met:
- ITU must confirm that the employee suffered damage to health during the performance of his official duties due to an accident or occupational disease;
- a citizen must have in hand documents that can confirm the fact of his loss of ability to work and the degree of harm caused to his health.
Payment of insurance premiums for each employee with whom an employment contract has been concluded is the responsibility of the employer. At the same time, employees with whom a civil contract was signed also have the right to count on insurance if such a condition is contained in the documents.
Electronic applications for legal entities
Individual entrepreneurs and organizations can quickly send requests for reimbursement of Social Security expenses through the State Services portal for the prevention of occupational diseases, as well as submit documents for reporting the payment of contributions and registering policyholders.
Inclusion in the register of policyholders and sending documents to record contributions
When concluding an employment contract, it is necessary to regularly contribute a certain amount to the Social Insurance Fund. To receive services through the portal, you need to log in and fill out an application:
- Open the section with services and select the “Authorities” tab.
- Find the link to the FSS and open it.
- In the list, click on the item “Registration of policyholders”.
When the application is accepted for consideration, you will receive a notification about the progress.
When checking the delivery method of the notification of registration with the Fund, you are allowed to choose a personal visit to the branch or sending it by mail.
In case of a change of residence or termination of employment, this section provides relevant services.
When creating an LLC, individual entrepreneur or other institution, it is possible to send a package of documentation through State Services for registration with the Social Insurance Fund. As a result, it is considered a condition for the calculation and payment of insurance premiums. In the future, the funds provide social protection:
- In case of temporary disability.
- Going on maternity leave.
- The onset of NS in production.
If documents are filled out incorrectly, it becomes necessary to edit and resubmit. As a result, an acceptance message is received, which is a positive decision.
Request for financial coverage for injuries and illnesses
In a situation where measures are taken to prevent the occurrence of an injury or occupational disease at an enterprise, it is possible to receive compensation from the Social Insurance Fund. Developing an action plan allows you to calculate the planned costs to reduce injuries in working conditions with hazardous factors or harmful effects.
The list of required documents includes:
- Statement.
- Action plan and its copy.
- Papers justifying the application for financial support.
- Information about the company conducting the certification (inclusion in the register of organizations that have the right to conduct occupational safety).
- Information about medical organizations licensed to carry out examinations.
Additionally, the right is given to submit documents for treatment costs for workers engaged in hazardous work in specialized medical and preventive centers.
How to write an application for insurance payment to the Social Insurance Fund?
The appointment of insurance coverage for a citizen who has lost professional performance is carried out after submitting a certain package of documentation and a written application to the territorial office of the Social Insurance Fund at the place of residence.
The following may apply to the technical department of the state authority:
- the insured person himself;
- his close relative (in case of death of an employee);
- representative of the applicant entitled to receive compensation from the fund.
The current application form for payment of Social Security insurance coverage can be obtained by directly contacting the department, downloaded here on the website, or found a template on the web portal of the social insurance fund of a certain area.
When filling out the application, it is important to indicate the following information:
- name of the fund branch;
- Full name of the applicant, his date of birth and place of residence;
- details of an identity document (usually a passport);
- current telephone number for feedback;
- grounds for providing one-time or monthly insurance payments;
- name of the person causing the harm (usually the employing organization);
- details of the bank account to which the required amount of money will be transferred (if we are talking about postal transfers, the citizen’s residential address is indicated);
- the amount of the applicant’s earnings for the last 12 months of work for the organization (if the victim was employed by the insurer for a shorter period of time, the months actually worked are indicated);
- a list of documentation supplementing the application and confirming the validity of the requirements stated by the citizen;
- date of submission of the request to the Social Insurance Fund;
- personal signature of the applicant.
If the insured person applies to the authority through a representative, it is important to indicate his full name, date of birth, current telephone number and passport details in the text of the application.
In this case, the authorized person will not be able to transfer documents to the FSS without a valid power of attorney certified by a notary office and granting certain powers to the citizen’s representative.
Here on the website you can download an application to contact the fund’s branch in WORD format.
Electronic services for citizens
On the State Services portal, individuals can apply to the Social Insurance Fund for the following reasons:
- Reimbursement of costs associated with the purchase of medications, medical equipment and personal life-sustaining products - in most cases, this option is suitable for disabled people and veterans.
- Providing a voucher for the purpose of carrying out therapeutic and preventive actions in specialized sanatorium-resort-type institutions - providing a set of social services, reimbursement of the cost of the voucher and travel to the place of treatment.
The application procedure involves sending an application from the applicant or his legal representative.
Please note: If you wish to take advantage of the right of free travel for privileged categories of citizens, you will not be able to submit an application through the State Services portal. This service is provided upon a personal visit to the territorial office of the Social Insurance Fund.
Providing rehabilitation means or receiving annual compensation for disabled people
An individual with the status of a disabled person or veteran can apply for social assistance in the form of special medical products. Users with a verified account can submit an application to the Social Insurance Fund through the State Services portal for receipt, production or replacement.
Documents attached to the application for insurance payment to the Social Insurance Fund
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The following are the papers that the insured person must provide to the territorial department of the fund along with a completed application form for receiving insurance payments:
- a conclusion on the degree of disability of a citizen, issued by the institution that carried out the medical examination;
- a certificate of the average monthly earnings of the injured person;
- a document certifying the existence of an employment relationship with the employer (for example, an employment contract, a copy of the work record book);
- report of an accident during work;
- applicant's passport;
- power of attorney (if the applicant acts through a representative).
A certificate of the average income of a citizen is usually issued by the accounting department at the place of his employment. However, in its absence, the insured person can send an application to the Social Insurance Fund to receive the necessary data from the Pension Fund of Russia.
The documents listed above are sent to the fund department in the form of originals or notarized copies.
What is the document for?
Certificate in Form No. 3 is a document that officially confirms the actions of third parties that resulted in damage to a vehicle (vehicle) of a certain severity. The document is issued to the Department of Internal Affairs based on the vehicle owner’s application for damage to the vehicle. It is important that the Form 3 certificate is a document specifically about damage from the actions of third parties, but not about damage received, for example, as a result of natural disasters.
So, if the vehicle was damaged by wind from a hurricane, then a police certificate does not need to be submitted to the Investigative Committee. The document is necessary so that the insurance company can verify the legality of the car owner’s claims for compensation for material damage. This document confirms the fact of the insured event and contains a description of the damage caused.
How long to wait for a refund
After the collected package of documents is transferred to the Social Insurance Fund, the policyholder can wait to receive funds within no more than ten days from the date of transfer of the papers.
However, it should be remembered that in some cases, the insurer may initiate a desk or on-site audit in order to analyze the fairness and reliability of the costs of paying benefits.
This is due to the fact that since the beginning of 2020, the responsibility for administering and monitoring the payment of insurance premiums has transferred to the tax authorities. During the inspection, inspectors may request additional information and papers from the organization.
In such cases, the duration and even the very possibility of paying insurance coverage depends solely on the results of the verification event.
In this case, the organization must receive the insurer’s decision no later than three days after its adoption.
If the company does not agree with the results of the inspection, it can appeal them in court (of course, it is better to do this only when there is one hundred percent confidence in its own rightness).
Where and how to obtain a certificate of registration at the place of residence
- Certificate registration number;
- Full postal address of the room, apartment or house;
- Information about the owner of the residential premises; if there are several owners, then their share participation is indicated;
- Information about all citizens registered in the premises at the current time;
- Date of issue and full name of the institution that issued the certificate;
- Seal of the organization and signature of the official.
- Log in to the page;
- In the “electronic services” section, select the required institution, in this case - the Federal Migration Service;
- Determine the service you need and click the “Get” button;
- A service provision form will appear in the window that needs to be filled out..
What to do if your application is refused?
ATS employees are not required to issue a certificate in Form 3 if the damage to the car was not caused by accidental or illegal actions of third parties. Damage to the vehicle resulting from other events is not within the jurisdiction of the police. If police officers refuse to issue a document regarding vehicle damage caused by third parties, then in this case you can file a complaint against the action (or rather, inaction) of police officers to higher authorities. But in order to file a complaint, you must receive a written refusal from police officers to issue a document. If there is none, then it will be much more difficult to appeal the action (inaction) of the police. You can make a complaint:
- To the head of this department of internal affairs;
- To the prosecutor's office;
- To the court (in this case, not a complaint is filed, but a statement of claim).
Receiving payment without a certificate
Payment without certificates of an accident can be received in the case when the amount of damage received is small, there were no casualties in the accident, and this option is provided for in the insurance contract.
Without a certificate, damage is usually registered if:
- glass elements are damaged;
- body parts are damaged, for example, the paintwork is scratched;
- headlights and other small items were broken.
The option “payment without traffic police certificates” is usually provided for in expensive policies. Cheap insurance may not have such a useful program.
A certificate is not needed if damage repairs do not exceed 3-5% of the insured amount or a certain fixed amount (for example, up to 10 thousand rubles).
Despite the fact that insurers may not require a certificate in such cases, they will certainly inspect the car and draw up a damage inspection report.
To receive payment, it will be enough to write an application and present the car for inspection by the manager.
Where to apply for benefits reimbursement in 2019
You must apply to the Social Insurance Fund for coverage of expenses incurred. A specific deadline has not been established. But applying for compensation to the fund as quickly as possible is in the interests of the company itself. After all, this is money that can actually be returned and used in future activities.
Application for reimbursement of money from the Social Insurance Fund (including a statement of calculation) Information about the file Application completed sample for 2018 in Excel Information about the file
Based on the results of the audit, the fund’s specialists transmit confirmed data on the overpayment to the tax authorities. Tax inspectors, in turn, transfer money from the budget to the bank details specified by the policyholder.
TANK-SPB-RU › Blog › Certificate from the cops for Casco insurance
1. Carefully read the Casco agreement, if you have not read it yet (it would be good to do this in advance, even before signing it), to find out whether you have, for example, 2 elements without certificates from the traffic police/police or what percentage then from the insured amount without certificates. If yes, then contact the insurance company directly, the insurance company will tell you everything by phone, if not, then continue with step 2 2. Call 02, without touching the car, or saying that you did not touch it. There they will try to find out from you whether it is an accident or damage from third parties, falling trees, etc. If there is an accident, then they send the cops to you, if not, then the cops. 3. Call the insurance company, report the occurrence of an insured event; if, according to the terms of Casco, a call to the commissioner is necessary, then they will send one. 4. With the guys, everything is processed as an ordinary road accident (they will, of course, want money for a quick solution, you can pay, but in the worst case, they won’t be able to wait more than 2 months to issue you certificates. Don’t forget to put up a warning triangle even if it’s happens in the yard, otherwise the guys will be able to give you a 1tr fine!) 5. If with the cops, then most likely they themselves will be too lazy to come, and they will ask you to come to the nearest police station. There they will inspect the car and draw up a report. In the report, we estimated the circumstances of the incident and the amount at which you estimate the damage to be 30 rubles, the cop was not happy, but was forced to write down the amount we declared, I don’t know for what reason they want to write as little as possible. Also in the protocol, the cops will indicate some witnesses, don’t pay attention, they are standard there. 6. Next, the applicant will either immediately tell you who your case will be transferred to, or they will ask you to call in the coming days to find out. And they will issue a notification coupon (a small receipt) for the insurance company, according to which the insurance company will give you Form 3 for the cops to fill out. 7. You go to the insurance company for an assessment, they record the case, inspect and photograph the car, their further actions will only take place after receiving a F3 certificate and a resolution from the cops. You hand them a notification coupon, and they give you this form 3. 8. Find out how the cop to whom your case was transferred works. Come to him during reception hours, bring Form 3. Then the cops must review your case at some point, issue a copy of the protocol and the completed form. Call them periodically to find out when everything will be ready. Again, you can “stimulate” speed, the cops are not as greedy as the gays, 1tr is enough for them, but from experience it’s not a fact that this will speed things up much. 9. Finally they have issued! Carefully read the copy of the protocol (resolution)! They gave me the name of the insurance company incorrectly and I had to rewrite it twice. The form should say something like (resolution to refuse to initiate criminal proceedings):
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“During the consideration of the inspection material, it was not possible to identify the third party who committed damage to the property of citizen so-and-so. Taking into account that there is sufficient data indicating the absence of a crime under Art. 167 part 1 of the Criminal Code of the Russian Federation, guided by Art. 14 Part 2 of the Criminal Code of the Russian Federation, Art. 24 Part 1 Clause 2, Art. 144,145 and 148 of the Code of Criminal Procedure of the Russian Federation, DECIDED: 1. To refuse to initiate a criminal case at the request of a citizen... on the grounds of a crime under Art. 167 part 1 of the Criminal Code of the Russian Federation, on the basis of Art. 24 part 1 clause 2 of the Code of Criminal Procedure of the Russian Federation, for lack of corpus delicti. 2. Send a copy of this resolution...”