1 I would like to receive a certificate of the existence of an account with the UAPF. Now, during a pandemic, I don't want to go to offices again, so please, can I get help online?
Yes of course. To obtain a certificate of having an individual pension saving account (IPSA), you need to go to the website of UAPF JSC www.enpf.kz , then go to the section "Electronic services" in the "Personal account" using an electronic digital signature or a registered login and password. Further, when you click in the "Services" section "Getting a certificate of the availability of IPSA", a certificate will be generated. The QR code in the upper corner of the generated 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.
In accordance with Articles 31, 32, 33 of the Law of the Republic of Kazakhstan On Pension Provision in the Republic of Kazakhstan (hereinafter - the Law), in the event of the death of a person who has pension savings at the expense of compulsory, compulsory occupational and voluntary pension contributions, they are inherited in the manner prescribed the legislation of the Republic of Kazakhstan.
The inheritance of pension savings is carried out by will or by law. According to the Civil Code of the Republic of Kazakhstan, in order to acquire an inheritance, the heir must accept it by submitting at the place of opening the inheritance to a notary or an official authorized in accordance with the law to issue a certificate of the right to inheritance of an application for acceptance of an inheritance or an application for issuance of a certificate of the right to inheritance. The inheritance can be accepted within six months from the date of opening the inheritance, i.e. within six months from the date of death of the testator.
Considering the above, we recommend that you contact a notary at the place of opening of the inheritance (this is the place of residence of the deceased person).
For your information, please be informed that:
1) in accordance with the Law, the UAPF is obliged to pay pension benefits to beneficiaries in the manner established by the Government of the Republic of Kazakhstan. The specified procedure, as well as the list of necessary documents, are determined by the Rules for the implementation of pension payments, lump-sum pension benefits in order to improve housing conditions and (or) payment for medical treatment, formed at the expense of compulsory pension contributions, compulsory occupational pension contributions from the unified accumulative pension fund, their return to the UAPF approved as amended by the Resolution of the Government of the Republic of Kazakhstan;
2) in accordance with the Law, in the event of the death of the beneficiary, as well as of a person who has pension savings in the UAPF and has not reached retirement age in accordance with paragraphs 1-3 of Article 11 of the Law, his family or the person who carried out the burial, the UAPF is paid a one-time payment for burial within the amount of 52.4 times the monthly calculation index established for the corresponding financial year by the law on the republican budget, but not more than the funds available in the individual pension saving account;
3) on the website of the UAPF at www.enpf.kz there is a list of necessary documents, requirements for their registration, addresses of regional divisions of the UAPF.
If you have the documents specified in clauses 15 or 17 of the Rules, we recommend that you contact the UAPF.
According to Article 25 of the Law of the Republic of Kazakhstan On Pension Provision in the Republic of Kazakhstan (hereinafter - the Law), for persons engaged in private practice, individual entrepreneurs, as well as individuals who receive income under civil contracts, the subject of which is the performance of work (provision services), with the exception of the case provided for in subparagraph 5) of paragraph 2 of Article 24 of the Law, compulsory pension contributions in their favor, payable to the UAPF, are set at 10 percent of the income received, but not less than 10 percent of the minimum wage and not above 10 percent of the 50-fold minimum wage established for the relevant financial year by the law on the republican budget.
The income received is income determined independently by a person engaged in private practice, as well as an individual entrepreneur for calculating compulsory pension contributions to the UAPF in their favor. In the absence of income, individuals engaged in private practice, as well as individual entrepreneurs, have the right to pay compulsory pension contributions to the UAPF in their favor at the rate of 10 percent of the minimum wage established for the relevant financial year by the law on the republican budget.
In accordance with paragraph 8 of the Rules and terms for calculating, withholding (accruing) and transferring compulsory pension contributions, compulsory occupational pension contributions to the unified accumulative pension fund and penalties thereon, approved by the Decree of the Government of the Republic of Kazakhstan dated October 18, 2013 No. No. 1116, the transfer of compulsory pension contributions is made by the agent through non-cash payments. Lawyers, private bailiffs, private notaries, professional mediators, individual entrepreneurs, as well as individuals who receive income under civil law contracts, who do not have accounts in second-tier banks and organizations carrying out certain types of banking operations (hereinafter - STB), make compulsory pension contributions in cash to STBs for their subsequent transfer to the UAPF. Payment of compulsory pension contributions in cash or by bank transfer through STBs is carried out in the manner determined by the Law of the Republic of Kazakhstan On Payments and Payment Systems.
A multi-level pension system has been operating in the Republic of Kazakhstan since 1998: the state one, which consists of a basic and PAYG pension, and a accumulative Perhaps, in your case, we are talking about the PAYG pension, in which the amount of pension benefits is determined by work experience, and the state budget becomes the source of pension benefits due to tax deductions from the working part of the population and other receipts. It can be counted on by those whose work experience at the time of retirement as of January 1, 1998 is at least six months.
The accumulative system provides for a fixed 10 percent amount of compulsory pension contributions from monthly income for citizens of Kazakhstan, foreigners and stateless persons permanently residing in Kazakhstan and a 5 percent amount of compulsory occupational pension contributions at the expense of the employer from the monthly income of employees and in favor of employees, profession which are provided by the list of industries, works and professions determined by the Government of the Republic of Kazakhstan.
For more information on your question, we ask you to contact the Committee for Labor, Social Protection and Migration of the Ministry of Labor and Social Protection of the Population of the Republic of Kazakhstan.
Yes, of course, since, according to Article 3 of the Agreement on Pension Provision of Workers of the Member States of the Eurasian Economic Union of December 20, 2019, the formation of the pension rights of workers who are citizens of the EAEU countries is carried out at the expense of pension contributions on the same conditions and in the same manner as and the formation of the rights of citizens of the state of employment.
In accordance with Article 1 of this Agreement, in the Republic of Kazakhstan, pension contributions include, among other things, voluntary pension contributions (hereinafter - VPC) to the UAPF.
We remind you that from May 1, 2021, the basis for opening an individual retirement account for accounting for VPC is the first VPC received by the UAPF. The size and frequency of VPC are determined by the depositor independently.
In this case, the identification of the individual in whose favor the VPC is made will be carried out according to personal data (full name, IIN, date of birth) specified in the electronic format of the payment order when transferring the VPC, and all the necessary information: about the details of the current identity document of the individual, about the place of permanent residence, other information of the UAPF will be obtained from the relevant information systems of state bodies.
Payment of VPC in UAPF can be made through second-tier banks or Kazpost JSC (hereinafter - STB). Some STBs provide the ability to transfer contributions online (via a mobile application or self-service terminals).
For information, please be informed that on the UAPF website (https://www.enpf.kz/ru/services/depositors/ipa/vpc.php) you can find more detailed information.