Popular questions about retirement (Five questions. March)

1. 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 content( DS), while for each year of service (over 25 years), the pension amount is increased 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 the Republican budget. At the same time, from January 1, 2016, the payment of 20% of mandatory pension contributions in favor of military personnel from the national budget to the Unified accumulative pension Fund, which was carried out earlier, was stopped. 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 for military service, service in special state and law enforcement agencies established by the legislation of the Republic of Kazakhstan, 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 is returned. Also for pensioners was held on a one-time recalculation of the sizes of previously assigned pension payments in full, taking into account bringing them to full size, taking to offset long service and seniority on the day of dismissal from the service, available in the pension business, also subject to refund 50% of the amount of compulsory 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 pension legislation.
Thus, the right to pension payments from the UAPF at the expense of mandatory pension contributions are persons who have pension savings in the UAPF:
1) men who have reached retirement age at the age of 63; women at the age of 59, 5 years from January 1, 2020. From January 1, 2021 60 years, from 1 January 2022 – 60.5 years, from 1 January 2023 – 61 years from 1 January 2024 – 61.5 years, from 1 January 2025 to 62 years, from January 1, 2026 – 62.5 years, from January 1, 2027 – 63 years;
2) if the pension savings are sufficient to ensure payment of at least the minimum pension amount by entering into a pension annuity agreement with an insurance company. Men on reaching 55 years of age and women on reaching 51.5 years of age from January 1, 2020;
3) disabled persons of the first and second groups, if the disability is established indefinitely;
4) foreigners and stateless persons who have left for permanent residence outside the Republic of Kazakhstan and submitted documents specified by the legislation of the Republic of Kazakhstan confirming the fact of departure.
We would like to draw your attention to the fact that the assignment of superannuation payments and state basic pension payments is carried out by the relevant authorized state bodies. In the case of Your father, a police officer, the appointment is made by the Ministry of internal Affairs of the Republic of Kazakhstan.
Thus, for detailed information on the procedure for assigning superannuation payments and state basic pension payments, we recommend contacting the appropriate authorized state body of the Republic of Kazakhstan.

2. 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 non-refundable payment?

First, you should understand what a Single aggregate payment (hereinafter referred to as the ESP) is. For the past year, a new type of tax regime for self – employed citizens has been operating in Kazakhstan-called ESP. This payment is intended for the following categories of citizens:
1. employees of personal subsidiary farms;
2. unpaid employees of family businesses;
3. entrepreneurs who do not have employees, with a turnover of less than 1,175 MCI per year (less than 3,114,925 tenge).
The ESP is only applied to the following types of activities:
1. Providing services exclusively to individuals;
2. Sale of agricultural products of private subsidiary farms of own production exclusively to individuals.
However, if your uncle's income exceeds the amount of 1175 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 ESP is: 1 MCI (2651 tenge) – for individuals living in cities of national significance, the capital and regional significance; 0.5 MCI (1325.5 tenge) - for individuals living in other localities. Payment is made through second-level banks in one amount to the account of the state Corporation Government for Citizens (PSC). You do not need to open a Bank account to make a payment. The amount of a single aggregate payment is distributed by the State Corporation in the following proportions: 10% - individual income tax (IPN); 20 % - social contributions (SO); 30 % - mandatory pension contributions (OPV); 40 % - mandatory medical insurance (OSMS). For persons who have reached retirement age, the entire payment amount is recognized as individual income tax, and no distribution is made for social payments.
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 be able to receive a basic pension depending on their confirmed work experience. In addition, the payer becomes a member of the mandatory 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 OSMS, and will also be able to receive social benefits in cases of disability, loss of employment, loss of breadwinner, pregnancy and childbirth, adoption of a child, child care.
They can also make voluntary pension contributions to ensure a decent pension in the future. One of the advantages of the DPA is that You 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 comes into effect. You need to make voluntary pension contributions yourself. To do this, you must sign 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 provides a service for opening a voluntary pension account online using the current EDS key, or just come to one of the many branches of the UAPF. In addition, it is possible to pay DPA via banking services-the app Kaspi.kz Halyk Bank terminals.

3. Hello, my name is Elena. Two years ago, I went to Russia for permanent residence and only recently found out that I can collect 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 submit?

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 (VPS), then you have the right to receive your savings in connection with permanent residence outside the Republic of Kazakhstan.
Documents for pension savings payment can be submitted to the UAPF in one of the following ways:
- when you contact us in person;
- by mail;
- through a third person (attorney). In this case, documents are accepted only when the attorney personally addresses the UAPF office.
Please note that before submitting your application, you must be registered for permanent residence, as this is one of the mandatory requirements of the law for receiving pension payments. When considering applications for assignment of pension payments in connection with 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 applicant of a foreigner or a stateless person 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 when you apply in person, you must submit to the UAPF:
1) application for assignment of pension payments in the form approved
an internal document of the UAPF (hereinafter-the application);
2) a copy of the foreign passport and the original for verification, unless otherwise provided
provided for by international agreements (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.