5 questions. September.
UAPF answers pressing questions.
1) I am applying for a job, and I was told that for employment I need a certificate of an account with the UAPF. Now, during a pandemic, I don't want to go to offices, so please, can I get help online?
To obtain a certificate of the availability of an individual pension saving account (IPSA), you just need to go to the official website of UAPF JSC enpf.kz, and you will receive the necessary certificate in just five minutes. After you have entered the site, you need to go to your Personal Account using an electronic digital signature or a registered username and password. Then you go to the section "Get a certificate of the availability of an IPSA / application for opening an IPSA / a new version of the Pension Provision Agreement", then in the section "Get a certificate of the availability of accounts" download a ready-made certificate of the availability of an IPSA.
The QR code in the upper corner of the Help contains a web link to the electronic version of the document certified by the electronic digital signature of the authorized person of the UAPF. Please note that this web link is available within 1 (one) month from the date of issue of this document.
2) I, like many, am a smartphone user and it is more convenient for me to track the state of my pension saving account through it. How can I register in the UAPF mobile application?
The ENPF mobile application is a proprietary development of the Fund, with the help of which you can not only get a statement from your individual pension saving account, but also view current indicators on pension assets, contract details, news, addresses and contacts of all branches and service centers. There is also a pension calculator for you, so you can calculate your future pension. The online bot that will answer the most frequently asked questions, for socially vulnerable segments of the population there is an opportunity to send an appeal and much more.
The ENPF mobile application can be downloaded to your phone for free in the Google Play or the AppStore. To register in the mobile application, you can use a one-time password that will be sent to your mobile phone via SMS.
There are also two authorization methods to access your page in the application: enter the IIN and password, or use an electronic digital signature. The user can also use the subsequent login via Touch ID for Android and IOS and Face ID for IOS, if available on a mobile device.
The use of IIN as a login presupposes the obligatory choice of Internet information as a way to obtain information about pension savings. To do this, you need to visit the UAPF office once with an identity document, sign an additional agreement and register on the enpf.kz website.
Also, the ENPF mobile app has push notifications. In order to use this function, you need to go to the application and enable the "enable / disable push notifications" function in the settings. Now that you have done all this, short pop-up messages will periodically appear on your smartphone screen, which will promptly remind you of the receipt of compulsory and compulsory occupational pension contributions.
3) My father does not work officially, he sells vegetables from his garden, but does not have status of an individual entrepreneur. Friends suggested that in order to receive a basic pension in the future and to be assigned to a polyclinic, he needs to pay a UAP. How can we do it?
One of the advantages of paying the unified aggregate payment (UAP) for our citizens is a significant financial addition to the minimum state guaranteed social assistance in the form of benefits, medical services and participation in the pension system.
This payment replaces 4 obligatory payments at once:
- individual income tax;
- compulsory pension contribution to the UAPF;
- compulsory social contributions to the State Social Insurance Fund (SSIF);
- social contribution to the Social Health Insurance Fund (SHIF).
The UAP is payable in total through second-tier banks or organizations performing certain types of banking operations (for example, through Kazpost JSC). The payment should be transferred to the bank account of "Government for Citizens" State Corporation. Further, the State Corporation distributes the payment in the form of an individual income tax (IIT) and social payments, then transfers the IIT to the regional budget, and social payments to the UAPF, the State Social Insurance Fund and the SHIF.
Tax reporting is not provided by UAP payers. Registration (notification) of the commencement of activities and an application for suspension (termination) of activities are not required. An individual is recognized as a payer of the UAP from the day on which the payment is made. Cessation of payment means that the individual is no longer a UAP payer.
Now, to open an individual pension saving account in the UAPF for accounting for compulsory pension contributions, an individual does not need to contact the UAPF in order to complete an application. An account is opened in the UAPF information system automatically upon receipt of the first installment.
In this case, the identification of an individual is carried out according to personal data specified in the electronic format of the payment order when transferring the pension contribution (sent by your employer), and all the necessary information about the details of the current document of the UAPF receives from the information systems of state bodies.
There is no reason to worry, because in accordance with the Law of the Republic of Kazakhstan "On Pension Provision in the Republic of Kazakhstan", the state guarantees beneficiaries the safety of compulsory pension contributions (CPC), compulsory occupational pension contributions (COPC) to the UAPF in the amount of actually paid contributions, taking into account the inflation rate at the time reaching retirement age.
By the way, today Kazakhstan is the only country in the world where there is a state guarantee of the safety of citizens' pension savings, taking into account the inflation rate at the time of retirement. The payment of the state guarantee (the difference between the amount of actually paid compulsory pension contributions, compulsory occupational pension contributions taking into account the inflation rate and the amount of pension savings) is a lump sum payment from the state budget. Contributors are entitled to payment under the state guarantee upon reaching retirement age. In addition, disabled persons of I and II groups have this right, if the disability is established indefinitely, as well as persons who have left for permanent residence outside Kazakhstan, foreigners and stateless persons who have transferred CPC, COPC, heirs in the event of the death of a person entitled to payment under state guarantees.