Hello, my father works in the police and I would like to know how he will receive a pension in the future? What is the role of the UAPF in future payments? Or will all payments be provided only from the budget?
Since the beginning of 2016, employees of law enforcement agencies, regardless of their seniority, were transferred to full state pension provision on 01.01.1998. The pension amount is set at the rate of 50% of the monetary allowance (DS), while for each year of service (over 25 years), the pension amount increases by 2%, for each year of work experience – by 1% of the DS, but not more than 109 MCI (288,959 tenge), established by the law on republican budget. At the same time, from January 1, 2016, the payment of 20% of mandatory pension contributions in favor of military personnel at the expense of the republican budget to the Unified Accumulative Pension Fund, which was carried out earlier, has been discontinued. Thus, since January 1, 2016, employees of law enforcement agencies who have a total work experience of twenty-five or more years, of which at least twelve years and six months are continuous military service, service in special state and law enforcement agencies, state courier service, and dismissed upon reaching the age limit established by the legislation of the Republic of Kazakhstan for military service, service in special state and law enforcement agencies, to the state courier service or for redundancy or health reasons.
At the same time, the right to pension payments for years of service comes only if 50 percent of the amount of mandatory pension contributions transferred from budget funds before January 1, 2016 from individual pension accounts opened in the UAPF are returned. Also, a one-time recalculation of the amounts of previously assigned pension payments in an incomplete amount was carried out for the retired, taking into account their full size, taking into account the length of service and work experience on the day of dismissal from service, available in the pension business, also subject to the return of 50% of the amount of mandatory pension contributions.
The right to use the remaining half of pension savings (the remaining 50%) from the UAPF will be implemented in accordance with the norms of pension legislation.
Thus, persons who have pension savings in the UAPF have the right to pension payments from the UAPF at the expense of mandatory pension contributions:
1) men who have reached retirement age upon reaching 63 years; women upon reaching 59.5 years from January 1, 2020. From January 1, 2021 – 60 years, from January 1, 2022 – 60.5 years, from January 1, 2023 – 61 years, from January 1, 2024 – 61.5 years, from January 1, 2025 – 62 years, from January 1, 2026 – 62.5 years, from January 1, 2027 – 63 years old;
2) if pension savings are sufficient to ensure the payment of not less than the minimum pension by concluding a pension annuity agreement with an insurance company. Men upon reaching the age of 55 and women upon reaching 51.5 years from January 1, 2020;
3) disabled persons of the first and second groups, if the disability is established indefinitely;
4) who have left for permanent residence outside the Republic
Kazakhstan foreigners and stateless persons who have submitted documents defined by the legislation of the Republic of Kazakhstan confirming the fact of departure.
We draw your attention to the fact that the appointment of pension payments for years of service, the state basic pension payment is carried out by the relevant authorized state bodies. In the case of your father, a police officer, the appointment is carried out by the Ministry of Internal Affairs of the Republic of Kazakhstan.
Thus, in order to obtain detailed information on the procedure for assigning pension payments for years of service and the state basic pension payment, we recommend contacting the relevant authorized state body of the Republic of Kazakhstan.
Good afternoon, my uncle has his own point of sale and works for himself. How will he receive a pension in the future if he does not contribute money to the pension fund? Will it be enough to pay only a single purchase payment?
First, it is worth understanding what a Single Aggregate Payment (hereinafter referred to as the ESP) is. For the past year, Kazakhstan has been operating a new type of tax regime for self–employed citizens - called ESP. This payment is intended for the following categories of citizens:
employees of a personal subsidiary farm;
unpaid employees of family businesses;
entrepreneurs without employees with a turnover of less than 1,175 MCI per year (less than 3,114,925 tenge).
At the same time, the ESP is used only for the following types of activities:
Provision of services exclusively to individuals;
Sale exclusively to individuals of agricultural products of personal subsidiary farms of their own production.
However, if your uncle's income during the year exceeds the amount of 1,175 MCI, i.e. the amount of 3,114,925 tenge, then he will need to register as an individual entrepreneur and choose a different tax regime.
To become a payer of a single aggregate payment: you do not need to register with the tax authorities; you only need to pay the set amount of a single aggregate payment. The amount of the monthly payment of the ESP is: 1 MCI (2651 tenge) – for individuals living in cities of republican significance, the capital and regional significance; 0.5 MCI (1325.5 tenge) - for individuals living in other localities. Payment is made through second-tier banks in one amount to the account of the State Corporation Government for Citizens (PSC). To make a payment, opening a bank account is not required. The amount of a single aggregate payment is distributed by the State Corporation in the following proportion: 10% - individual income tax (IIT); 20% - social contributions (CO); 30% - mandatory pension contributions (OPV); 40% - deductions for compulsory medical insurance (OSMS). For persons who have reached retirement age, the entire amount of the payment is recognized as an individual income tax, distribution for social payments is not made.
Thus, the ESP gives the right to participate in the accumulative pension system and receive a pension payment depending on the length of participation in the system and the accumulated savings. In addition to replenishing their pension savings in the UAPF, ESP payers will have the opportunity to receive a basic pension depending on their confirmed work experience. In addition, the payer becomes a participant in the compulsory social health insurance system and gets access to medical services unlimited in amount and types, with the right to choose a medical institution after the introduction of the MSHI, and will also be able to receive social benefits in cases of disability, loss of work, loss of breadwinner, pregnancy and childbirth, adoption of a child, care for the child.
Also, in order to ensure a decent pension in the future, he can make voluntary pension contributions. One of the advantages of the DPA is that you yourself determine the amount of the contribution and the frequency of payment, as well as the procedure for receiving pension savings when the right to pay the DPA occurs. You need to make voluntary pension contributions yourself. To do this, it is necessary to conclude a contract with the UAPF and transfer voluntary contributions to the UAPF to the bank details specified in the contract. For convenience, the UAPF website has implemented a service for opening a voluntary pension account online using an up-to-date EDS key, or it is enough to come to one of the many branches of the UAPF. In addition, it is possible to pay DPV through banking services – an application Kaspi.kz Halyk Bank terminals.
Hello, my name is Elena. Two years ago I left for permanent residence in Russia and only recently learned that I can withdraw my savings from the UAPF. However, I had a problem – I got married and changed my last name, and the contributions were transferred to my maiden name. How do I get the money now and what documents do I need to provide?
If you have savings in the Unified Accumulative Pension Fund for mandatory pension contributions (OPV) and mandatory professional pension contributions (OPV), or for voluntary pension contributions (DPV), then you have the right to receive your savings in connection with departure for permanent residence outside the Republic of Kazakhstan.
Documents for the payment of pension savings can be submitted to the UAPF in one of the following ways:
- with a personal appeal;
- by means of postal communication;
- through a third party (attorney). At the same time, documents are accepted only when the attorney personally addresses the office of the UAPF.
Please note that before submitting an application, you must necessarily have a permanent residence permit, as this is one of the mandatory requirements of the legislation for receiving pension payments. When considering applications for the appointment of pension payments in connection with departure for permanent residence, employees of JSC "UAPF" request information from the information systems of state bodies of the Republic of Kazakhstan about the presence of an identity card of a citizen of the Republic of Kazakhstan or a residence permit of a foreigner in the Republic of Kazakhstan. In case of receiving information about the invalidity of the above documents, the UAPF makes a pension payment. It should be noted that with a personal appeal, it is mandatory to submit to the UAPF:
1) application for the appointment of pension payments in the form approved by
an internal document of the UAPF (hereinafter referred to as the statement);
2) a copy of the passport and the original for verification, unless otherwise specified
stipulated by international treaties (in the case of providing an internal passport of a citizen of the Russian Federation, the application is not subject to execution);
3) information about the recipient's bank account.
In the case of filing an application through a third party (attorney), in addition to the above documents, the third party shall submit: