Проще, чем вам кажется! Или как оформить второй пенсионный уровень в наследство

Проще, чем вам кажется! Или как оформить второй пенсионный уровень в наследство

По данным опроса SEB, 80% экономически активных жителей знают о возможности выбрать наследника для своего пенсионного капитала, однако, свой выбор сделали лишь четверть респондентов. Чаще всего (в 67% случаев) участники опроса отмечали, что просто пока не нашли свободного времени, чтобы оформить наследников. Таковы данные последнего опроса. Между тем, много свободного времени для оформления пенсионного капитала в наследство и не надо. Расскажем, как это сделать.

С 1 января 2020 года каждый участник второго пенсионного уровня может выбрать, кому оставить свой накопленный капитал в случае его смерти до достижения пенсионного возраста. Есть возможность выбрать из трех вариантов: оставить накопленный капитал госбюджету, выбрать наследника и добавить накопления к его капиталу второго уровня, или оставить капитал в наследство в порядке, предусмотренном Гражданским законом. Ранее унаследовать накопленное можно было только после достижения пенсионного возраста и заключения договора о пожизненном пенсионном страховании.

Чуть подробней это выглядит так.

Первый – оставить пенсионный капитал в наследство в соответствии с Гражданским законом. В этом случае наследник в момент оформления наследства может выбрать, как получить эти средства – либо на свой банковский счет, либо с присоединив их к своему 2-му уровню пенсионной системы. Кстати, оставить в наследство пенсионные деньги можно и юридическому лицу, и тогда наследство будет перечислено на счет этой компании.

Второй – присоединить к пенсионному капиталу 2-го уровня другого лица, также не обязательно родственника. Фактически речь идет о том, что у наследника увеличится личный пенсионный капитал 2-го уровня, что повлияет на размер его будущей пенсии. Но получить завещанное он сможет только после выхода на пенсию.

Третий – перечислить в специальный бюджет. Этот вариант сработает также автоматически, если не сделана никакая отметка о наследовании.

Как сделать свой выбор? Также есть ТРИ варианта.

Первый – лично посетить отделение ГАСС, не забыв при этом документы, удостоверяющие личность. Лучше всего заранее позвонить в ГАСС и записаться на прием на конкретное время, где работник ГАСС подробно расскажет о всех существующих возможностях и поможет сделать выбор.

Второй – отправить заявление о выборе наследования электронным способом, используя электронную подпись и временную печать. Однако этот способ подходит далеко не всем.

Третий – подать заявление на портале www.latvija.lv. Об этом способе мы расскажем подробней.

Итак, как выглядит процедура оформления заявления на наследование пенсий 2-го уровня через портал www.latvija.lv?

Заходим на портал, переключаемся на русский язык. Перед нами откроется большое окно с заголовком “Ссылки на е-услуги”. Сверху во втором столбце е-услуг находим подрубрику “Рабочим” и сразу же под ней первым пунктом стоит раздел “Заявление о наследовании накоплений 2-го пенсионного уровня”. Кликаем на него, и система первым делом предложит аутентифицироваться, то есть установить вашу личность. Сделать это очень просто через интернет-банк вашего банка в этом же всплывшем окошке. Здесь представлены 12 интернет-банков от латвийских банков.

После того, как вы введете имя пользователя, пароль и код с кодовой карточки (во многих банках может быть кодовый калькулятор), система вернет вас на страничку www.latvija.lv, где будет написано “Э-заявление на услуги АГСС”. Здесь по-латышски будут описаны условия пользования и в самом конце надо отметить галочкой “Piekrītu noteikumiem” (согласиться с условиями) и нажать зеленую кнопку.

Далее, уже на следующей страничке надо будет сделать свой выбор (из трех выше перечисленных), как вы намерены распорядиться своим пенсионным капиталом 2-го уровня. На экране будут следующие окошки:
*ieskaitīt valsts pensiju speciālajā budžetā (перевести пенсию в специальный бюджет)
* pievienot norādītās personas valsts fondētās pensijas kapitālam (присоединить к пенсионному капиталу другого лица)
* nodot mantošanai Civillikumā noteiktajā kārtībā (передать в наследство)

Проверим, как работают два последних варианта наследования.

Итак, мы хотим свой пенсионный капитал 2-го уровня присоединить к пенсионному капиталу другого лица. Отмечаем галочкой этот вариант и тут же появляются дополнительные окошки: система запрашивает персональный код и имя, фамилию того лица, которое вы выбираете. В принципе, достаточно ввести что-то одно, и тогда система автоматом заполняет нужные графы.

Также внизу надо поставить галочку, согласившись со тем, что если на момент вашей смерти выбранное для передачи капитала лицо не будет участником 2-го уровня пенсионной системы, то ваши средства будут наследоваться в порядке, предусмотренном Гражданским законом. Другими словами, наследником вполне может быть либо ребенок, который еще не работает, следовательно, не является участником 2-го уровня пенсионной системы, либо пенсионер, получающий пенсию. Тогда они смогут получить завещанный этим способом капитал только через процедуру наследования. Что это значит – об этом чуть ниже. После всех проставленных галочек жмем “продолжить”, система подготовит электронный документ, в котором указано кто и кому наследует, отправляем его кнопкой “отправить заявление”.

Теперь о том, что нужно сделать тем, кто хочет выбрать последний из предложенных вариантов наследования. С помощью галочки выбираем “передать в наследство”. Далее на этой же страничке, но чуть ниже надо отметить, каким способом вы хотите получить решение ГАСС – по электронной почте или по смс. И еще ниже поставить две галочки – то, что вы подтверждаете подлинность информации и соглашаетесь с условиями. Далее жмем кнопку “продолжить” и после этого “подать заявление”. Все, система приняла ваш выбор, остается только дождаться сообщения от ГАСС.

Возникает вопрос – а почему здесь же в отличие от предыдущего варианта нет возможности указать конкретного человека для наследования пенсионных накоплений 2-го уровня. Это, действительно, невозможно, не сможете вы это сделать и лично явившись в ГАСС.

Дело в том, что передача в наследство в соответствии с Гражданским законом означает, что ваш пенсионный капитал 2-уровня будет наследоваться в общем порядке наследования, наравне с другим вашим имуществом. А для того, чтобы завещать этот капитал конкретному человеку (не обязательно родственнику), нужно у нотариуса составить завещание или договор наследования. Если договор не составлен, а пенсионный капитал 2-го уровня оставлен в наследство, то получить его в случае смерти смогут только ближайшие родственники.

ВАЖНО! Очень многие люди путают два способа наследования пенсий: передача в наследство и присоединение ко 2-му уровню пенсионной системы конкретного человека. Последний вариант НЕ связан с описанной в Гражданском законе процедурой наследования, поэтому если вы хотите ТОЛЬКО оставить свои средства 2-го уровня конкретному человеку, а не все свое состояние, то выбрать лучше всего этот вариант, а не вариант “наследование пенсии”.

Как будет происходить процедура передачи в наследство завещанного капитала 2-го уровня? Наследникам после смерти их близкого человека надо будет обратиться к присяжному нотариусу, который, в свою очередь, запросит у ГАСС информацию о накопленном пенсионном капитале умершего и возможных долговых обязательствах перед ГАСС. Наследник, получая свидетельство о наследстве, должен будет заполнить заявление, в котором указан сделанный выбор способа получения наследованной суммы – перечисление на банковский счет или добавление к капиталу 2-го пенсионного уровня наследника.

Нужно также считаться с тем, что для выплат будут и ограничения. Так, наследники смогут получить не всю сумму, а сумму, которая складывается так:
– 80% от капитала 2-го уровня, который был накоплен до 31 декабря 2019 года (остальные 20% будут перечислены в государственный специальный бюджет и использованы для выплаты пенсий нынешним пенсионерам)
– 100% от капитала, накопленного с 1 января 2020 года.

То есть фактически речь идет о том, что завещать и получить весь капитал 2-го уровня, который копится с 2001 года, невозможно.

И еще один важный момент, который касается тех, кто выбрал вариант наследования пенсионного капитала. Об этом правильно известить членом семьи, чтобы они знали о вашем решении. В отличие от других стран, где закон обязывает нотариуса искать наследников, в Латвии наследник обязан явиться к нотариусу и в письменной форме выразить желание вступить в права наследства.

Точный размер своего пенсионного накопления 2-го уровня вы можете узнать на портале www.latvija.lv , выбрав э-услугу «Выписка со счета участника фондируемой государством пенсионной схемы», или в любом центре обслуживания клиентов Государственного агентства социального страхования.

Если вы нашли ошибку, пожалуйста, выделите фрагмент текста и нажмите Ctrl+Enter.

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