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.

Advantages of receiving a pension on a card

In order for funds to go to the card, you need to apply to the Savings Bank and present your passport and SNILS. The application can also be submitted on the official website of the financial institution via the Internet.

Everyone who has funds credited to a plastic card noted a number of advantages:

• There is no need to wait long for the postman at home or stand in line at the post office.
• Funds arrive on the plastic card immediately after payments are accrued to the Pension Fund.
• There is no need to worry about the safety of your money on the way home from the post office.
• Possibility to quickly pay housing and communal services.

The bank accrues interest on the balance on the card every three months at 3.5% per annum.

Important! From July 2021, pensions are transferred to the banking product of the MIR payment system instead of Maestro.

Deadlines for accrual of social payments

Unlike working citizens, retired persons are paid money not at the end, but at the beginning of the month. Sometimes pension payments do not arrive on the same day as always, but later. Sometimes earlier.

Important! The deadlines for transferring pensions to a Sberbank card are set by the Pension Fund of the Russian Federation at the local level. The bank acts as an intermediary that transfers money from the Pension Fund to the pensioner’s bank card.

You can find out what date your pension is transferred to your Sberbank card by looking at the first date of financial receipts. In subsequent months, this figure remains relevant. There are general principles for calculating pension payments, according to which a retired citizen will be able to determine the period himself:

• The money can arrive on the card within 2-3 days. The delay is the same.
• The Pension Fund has a schedule for transferring funds. Typically, benefits are sent to cards on the same date of each month. The exception is a weekend or holiday.
• The timing of payment of money from the Pension Fund is determined individually. The timing is determined by the date the pensioner receives the first payment.
• If the regional Pension Fund accepts the transfer date not before the 15th, the money should arrive on the bank card no later than the 21st.

Almost all regional representative offices of the Russian Pension Fund have accepted the date for the transfer of social charges before the 15th, since money for pensioners is not credited at the end of the month, but for the current month.

Frequency of transfers

The pension is accrued once a month and is received by the pensioner in any convenient way: in person, at a post office or bank, on a bank card, through a proxy. If we are talking about calculating pensions on Sberbank of Russia cards, which are the most common method of receiving benefits, then the pension can be credited until the 15th of each month.

It is important to know! Why do you need SNILS?

If the pension date falls on a weekend or holiday, accrual is made on the day closest to the weekend.

Delays in payments may be associated with various problems, both in the pension insurance system and in the banking sector.

How to determine your pension schedule

To monitor receipts from the Pension Fund, you need to regularly check your plastic balance. If you cannot use the Internet or an ATM, you can call the Pension Fund hotline number. You can cash out on any convenient day. People who receive a labor pension receive payments every month. The amount is calculated for the current month. The issuance schedule may change throughout the year. This depends on various factors:

• Administrative and territorial features.
• Number of pensioners in the region.
• Allocated funds for pension provision.

The Pension Fund of the Russian Federation notifies citizens about the date of accrual of money through the media and announcements. In some divisions of the Pension Fund of Russia, the pension schedule can be seen on the website.

The pension is paid in advance or for the past month

Lawyer's comment: Paragraph 1 of this article defines the basic rule for the payment and delivery of pensions - payment of accrued pension amounts, including their delivery, is made for the current calendar month. Thus, the legislator establishes a general rule according to which pension amounts are calculated by the territorial body of the Pension Fund for the current month, i.e. in real time. In this case, the payment (transfer) and delivery of the pension to the pensioner must also be made within the current month. The accrual and payment of pensions in advance (i.e. for a future period) are not provided for, except in cases specified in Article 24 of the Pension Law. Activities for the delivery of pensions to pensioners are carried out by organizations delivering pensions, in compliance with the requirements for the timing of pension delivery. When determining the amount of pensions to be paid to family members or heirs of a deceased pensioner in accordance with paragraph 3 of Article 23, the legislator proceeded from the fact that in the current month during the life of the pensioner the pension amounts were accrued, but were not received by him in the specified month due to the death of the pensioner . The wording of paragraph 3 of Article 23 differs from the similar rule that existed in the previous pension legislation (Law No. 340-1 of November 20, 1990).

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How to find out when your pension is due? First of all, in the regional department of the Pension Fund of Russia. But all pensioners know what it’s like to first stand in line with a dispatcher to find out and make an appointment (and an appointment with a specialist may be scheduled for the next week), and then another line with a specialist.

Features of receiving pension payments

There are several ways to receive benefits:

1. Delivery by postman to your home.
2. At the post office.
3. On a plastic card.

If you choose the option of transferring your pension to a Sberbank card, you can withdraw cash from any ATM. To always be aware of receipts and debits from the card, it is advisable to connect. For pensioners, the first 2 months are free. In subsequent months, a payment in the amount of 30 rubles is debited from the card according to the rules established by Sberbank.

What to do if the pension has not been credited to the card

It often happens that funds are not credited to the plastic card on time. Transfer to the card is carried out manually by operators. In this regard, errors and failures in transactions occur. If your pension does not arrive on your Sberbank card, this is due to human factors or technical errors.

The deadlines for paying pension accruals are missed due to various reasons:

• There are not enough funds in the Pension Fund of the Russian Federation.
• While filling out the payment order, Pension Fund employees made a mistake.
• Shortcomings in preparing a citizen’s pension file.
• The process of indexing pensions, which is why fund employees do not have time to prepare documentation on time.
• The pensioner provided incorrect information when applying for a pension.
• Software reconfiguration (bank holidays).
• The bank incorrectly indicated to the Pension Fund the details of the pensioner’s payment instrument.

Important! If social benefits are not credited for 1-2 days, there is no need to worry. If the delay is more than 5-6 days, contact the Pension Fund immediately.

When incorrectly completed documents arrive at the Savings Bank, the money will definitely be transferred. The bank does not have the right to deliberately withhold pension funds - the law establishes large fines for this.

If the first pension arrived late, contact Pension Fund employees to check the papers submitted for the calculation of pension payments. This may be the reason. When the benefit is not received, and the fund’s employees say that the paperwork for payment has been transferred to the bank, you need to get a personal account statement from the financial institution to make sure there is no money. A complaint is filed against specialists who make a mistake.

How is the pension paid month to month or month later?

Thank you, everything is clear!

• Good day, Vladimir! Payment of accrued pension amounts is made for the current calendar month. I wish you success! Thank you for your advice!
• Hello. As a rule, the pension comes in the past month. I wish you happiness, goodness and prosperity, with respect, the team of ORION LLC.

Thank you, everything is clear now.
The procedure for payment and delivery of pensions After reaching retirement age and receiving the right to retire, a Citizen can apply for assignment of the pension due to him at the branch of the Pension Fund of the Russian Federation. The establishment of pension payments occurs within 10 days after the right to it arises and the documents are submitted. The pensioner has every right to independently choose the organization that will deliver the pension or choose the method of receiving the pension:

When are pensions paid to disabled people?

Social benefits for the card product of the MIR payment system are received not only by citizens who have reached retirement age, but also by disabled people. Social benefits for persons with disabilities are calculated according to a different scheme. This depends on what type of disability the person has: verifiable or lifelong.

For citizens who are required to confirm their disability group, the timing of the calculation of pension benefits is adjusted every year. The period is determined by the time of transfer of documentation to the Social Security Department to confirm disability. The payment schedule will change as the dates of the medical commission meeting also move.

Benefits will be transferred to lifelong disabled people on the same basis as to citizens who have reached retirement age - monthly on the same day.

Important! Disabled people are notified of the receipt of payments to Sberbank via SMS notification.

Disability pensions, as well as old-age pensions, may be delayed by 2-3 days.

There is no clear date for payment of pensions through Sberbank. On the official website of the Russian Pension Fund you can see the pension payment schedule and find out the approximate date of receipt of money on the card. The difference between the date accepted by the Pension Fund and the actual date of payments to the card is 2-3 days. This period of time is necessary for Sberbank to process the data. After the completion of operations, financial receipts for plastic will be made.

How is the pension paid a month in advance or for the past month?

The pension is issued in the first half of any month, and it is always issued for the current month. If an elderly person dies on the first of the month, then his close relatives should receive a pension for him for this month. My pension arrives on the 20th, and it’s still for the current month. No luck, it’s more convenient to receive it at the beginning of the month. And when a person dies, the relatives are not given a pension. My sister’s husband was very ill, well, everyone knew that he would die, they gave him 1st group of disability, they brought him in the fourth month, and he just died, my sister cried, asked the postwoman, she didn’t give it, she said it’s not allowed. Like this. In the Russian Federation, pensions are paid for the current month. The man has already earned this money.

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The law does not allow you to pay any other way. The law clearly states that pensions are paid for the current month. In January for January, in February for February and so on. The law does not allow paying for the last month; this can only happen if the pension is delayed.