Interest rate loan calculator. Calculation of material benefits
When determining the allowance for caring for a child under 1.5 years old, the average monthly income of an employee for the last two years is taken into account. At the same time, the legislators set a minimum amount of allowance below which a person caring for a child will not be paid. Its size is reviewed annually and indexed taking into account the current economic situation. The minimum amount of benefits in 2018: 3163.79 rubles for the first child and 6327.57 rubles for the second.
The allowance for the care of a child under 1.5 years of age is paid to the mother (or another person) for the period of stay on parental leave. This vacation begins immediately after maternity leave.
Many citizens confuse parental leave with each other. Maternity leave is assigned to a woman at 30 weeks of gestation and lasts about 2 months after giving birth (with a normal course of labor - a total of 140 days) or longer - with complicated births or multiple pregnancies.
The child care allowance can be issued by both officially employed citizens and. Whereas, only officially employed citizens can count on maternity benefits, from the earnings of which the employer regularly makes contributions to the Social Insurance Fund.
If a woman made maternity leave, then she can apply for the appointment of benefits only after it ends. If she did not receive maternity, she has the right to issue it immediately after the birth of the baby.
According to Federal Law-81, the right to apply for the appointment of childcare benefits is vested in:
- officially insured relatives of the child;
- mothers who are in the status of contracted military personnel;
- laid off due to company during pregnancy and childbirth;
- full-time students;
- relatives who are not subject to compulsory social insurance.
To receive childcare benefits, employed citizens apply at their place of work. The FSS is responsible for the payments. Whereas the unemployed should contact the OSS for regular payments.
It is worth noting that a citizen is deprived of the right to receive childcare benefits if he applied for unemployment benefits. These payments are mutually exclusive and the employee is allowed to issue one thing.
The child care allowance is assigned in accordance with Order No. 1012n of the Ministry of Health and Social Development of Russia of 2009. According to 81-FZ of 1995, payments are made subject to the citizen applying for them no later than six months after birth.
The right to receive childcare allowance for a child under 1.5 years old belongs to:
- mothers;
- daddy's child;
- grandmother;
- grandfather
- to the guardian.
But it is paid only to one person who is actually on maternity leave and is practically deprived of the opportunity to earn money. Moreover, when applying for benefits, it is necessary to confirm the fact that the other parent is not on maternity leave and did not apply for benefits. It is allowed to use the leave in parts: for example, at first there is mom, then father.
This is another difference between maternity allowance and maternity allowance: only a woman can receive the latter. A child’s father is not entitled to apply for maternity leave for pregnancy.
If a woman goes to work before the child reaches the age of 1.5, then the right to receive benefits is canceled. But this rule does not apply if she works on a working day or at home.
They can choose their place of work, where they will receive benefits. But they must provide a certificate from another place of employment that they did not apply for benefits.
First and second child care allowance
Legislatively established minimum allowances for the care of the first and second child.
The allowance for caring for a second and subsequent child is twice as much as for the first.
Initially, the amount of the allowance for caring for the first and subsequent child was set at 1,500 rubles. for the first child and 3000 p. - for the second. Then each year it increased taking into account inflation.
If the first child is not yet 1.5 years old at the time of the birth of the youngest child, then the allowance for the first and second child is added up.
Minimum monthly child care allowance in 2018
As a general rule, the amount of the childcare allowance is charged as 40% of the average monthly employee for the last 2 years (preceding the departure for parental leave). But some categories of citizens can only rely on payments in a fixed amount, which are called the minimum monthly allowance.
The minimum allowance is assigned:
- unemployed
- persons with insufficient income who do not exceed the minimum wage;
- due to liquidation of the company while on maternity leave;
- full-time students;
- citizens who work (without an employment contract) and whose earnings the employer does not pay social insurance contributions;
- persons caring for a child in the case of parents of parental rights.
The last indexation of the allowance was made in February 2018. As a result, it reached the following values:
- 3163.79 p. - This is the size of the minimum allowance for the first child;
- 6327.57 p. - minimum allowance for the second and subsequent child.
As a result of the latest indexation, payments were increased by 3.2%. That is how the official level of inflation (growth in consumer prices) for 2017 was recognized. The result of indexation was to prevent a decrease in the purchasing power of the allowance in cash.
As of the beginning of 2018, the minimum amount of the allowance for the care of the first child amounted to 3065.69 rubles, 6327.57 for the second and subsequent ones. To calculate benefits from February, these values \u200b\u200bhad to be multiplied by a factor of 1.032.
It is worth considering that it is regularly reviewed upward. Therefore, when calculating the allowance, you need to be guided so that it is not less than 40% of the minimum wage. But this is relevant only for those women who applied for benefits after raising the minimum wage (the latter happened in May 2018). Everyone who made out the allowance before the last minimum wage increase will receive it, taking into account the February indexation of 3.2%.
In those areas in which district coefficients are established, they are also used in calculating care allowances.
The indicated amount of the minimum allowance is not subject to personal income tax and paid to the woman in full.
Is child allowance allowed below a minimum
According to Article 11.2 of FZ-255, a monthly childcare allowance is paid in the amount of 40% of the average monthly salary, but no less than the amount of the allowance, which is prescribed in the Federal Law "On state benefits for citizens with children."
If the employer transfers money in an amount less than the minimum guaranteed by the state, then he acts illegally. The employer is not entitled to appropriate the money that the FSS transfers to him.
If the benefit came in a smaller amount than the minimum, then the woman can complain about the employer in the Social Insurance Fund by attaching payment documents and referring to the corresponding article FZ-255. After the audit, she will have to list the shortage.
Thus, the law establishes a minimum amount of childcare allowance, less than which state authorities or the employer are not entitled to pay. In February 2018, the minimum allowance was indexed by a coefficient of 1.032 and amounted to 3163.79 p. - for the first child and 6327.57 p. - on the second.
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What is the minimum allowance for caring for a child under 1.5 years old in 2017? What is the minimum allowance for? How is it calculated? Has its size increased since February 2017? Will I need to increase benefits from July 1, 2017? What documents are required for his appointment through the employer? The answers to these and other questions are in this article.
Who is eligible for the 2017 care allowance?
In 2017, employers are required to assign and pay the allowance for the care of a child under 1.5 years of age to an employee on parental leave for children under three years of age. During this period, he is entitled to the following social guarantees:
- allowance for child care at the expense of the FSS of Russia until the child reaches the age of 1.5 years (part 1 of article 14 of the Law of May 19, 1995 No. 81-FZ);
- compensation payment at the expense of the organization until the child reaches the age of three years.
Documents for appointment in 2017
The allowance for caring for a child until they reach the age of 1.5 is paid on the basis of an application by an employee (part 6 of article 13 of Federal Law dated December 29, 2006 No. 255-FZ). The application is summarized with other supporting documents, in particular, it is necessary:
- birth certificate of a child;
- a certificate from the place of work of the father of the child stating that he does not use parental leave and does not receive benefits.
Here is a sample application for a child care benefit in 2017. You can download it and modify it "for yourself". In this example application, a woman asks for her to receive a monthly childcare allowance at the same time as her childcare leave.
How to calculate the allowance for care up to 1.5 years
In 2017, the amount of the allowance for caring for a child up to 1.5 years per month is 40 percent of the average monthly salary of an employee. That is, it must be considered according to the formula:
Childcare allowance for children under 1.5 years per month \u003d average monthly salary x 40%
If the average employee’s earnings per each full month of the calculation period is less than the minimum wage (Part 1.1 of article 14 of the Federal Law of December 29, 2006 No. 255-FZ), then the child care allowance is calculated based on the minimum wage:
Allowance for childcare up to 1.5 years per month for the full calendar month \u003d minimum wage on the date of the start of the vacation x 40%
At the same time, the amount of the childcare allowance in 2017 cannot be less than the minimum established value (Article 11.2 of the Federal Law of December 29, 2006 No. 255-FZ, Article 15 of the Federal Law of May 19, 1995 No. 81-FZ).
Minimum childcare allowance in 2017
The amount of the childcare allowance for children under 1.5 years of age is determined at the start date of the leave for childcare. Accordingly, if the leave for care began in 2017, then you need to take into account the indexation coefficient of benefits valid at the time the vacation begins.
From January 1 to February 1, 2017, the minimum allowance is paid in the same amount as in 2016 - 3,000 rubles. And from February 1, 2017, the minimum childcare allowance must be paid in an indexed amount by a coefficient of 1.054 ( Decree of the Government of the Russian Federation of January 26, 2017 No. 88 “On approving the size of indexation of payments, benefits and compensations in 2017”). However, you need to index not 3,000 rubles, but 2,902.62 rubles. If you index 3000 rubles, you get an overpayment that the FSS will not refund. 3,062 rubles (3,000 p. X 1,054) - an overestimated amount!
The minimum values \u200b\u200bfor 2017 should be taken into account when calculating the allowance for caring for a child under 1.5 years of age based on the minimum wage (part 1.1 of article 14 of the Law of December 29, 2006 No. 255-FZ). At the same time, in districts and localities where district wage coefficients are established, “children's” benefits (both in January 2017 and February 1, 2017) will be higher since they need to be further increased by an increase in the coefficient (Article 5 Law No. 81-FZ).
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What monthly benefits can women expect and care for a second child up to 1.5 years old? How to issue and receive them? Find out in the article.
Allowance amount
When establishing the above compensation on the basis of legislative acts of our country, number of children and sequence of their birth or adoption.
After the next annual increase in the allowance for inflation in February 2020, the minimum monthly allowance for caring for a second child under 1.5 is RUB 6,803.98
If the mother has lost her rights to the first-born, then from a legal point of view, the second baby will be recognized as the first, and the payment will be assigned in the amount of RUB 4852.00, and not in the above amount.
Who can receive payments
According to the provisions prescribed by law, both parents and other relatives who can take care of the baby during this time period can apply for calculating the monthly payment for caring for a child under 1.5 years of age.
How and where is the benefit calculated
Calculation of the second child care allowance paid at the place of work () the mother herself or the relative who will care for the baby (for example, if the woman does not work, then the benefit is paid only to the FSS. Funds these payments to the FSS in both cases. The amount of security is determined by the average monthly salary and is formed in 40 % amount of its amount.The average wage is calculated by dividing the sum of all its payments for the previous 2 years by 730 (number of days in 24 months). But you can replace the years if the years preceding the assignment of benefits included a decree or a period related to taking care of the first-born.
The formula for calculating the allowance is:
P \u003d Sz x 30.4 x 0.4.In it:
P - amount of payment;
Sz - average salary for 1 day;
30,4 - the average number of days in a month throughout the year;
0,4 - the number of% that are taken to calculate benefits.
In the case when the amount of the prescribed payments for the second child, calculated as described above, does not reach the minimum values determined for this period of time by the state, the applicant will receive a minimumwhich is equal RUB 6,803.98
Social security benefits, which are paid at the place of work or by social insurance bodies, are calculated once and not recounted until the person goes to work or the baby reaches one and a half years of age, after which the payments cease.
In the event of a significant increase in salary, it is worthwhile to interrupt the vacation and begin to fulfill their duties for at least 1 day, after which they will again issue the leave provided for caring for the child, with an increased amount of compensation.
Minimum payout
The minimum allowance is established by state regulations. In 2020, it is equal to 6803.98 rubles. on the second child. The following categories of citizens are entitled to count on it:
- receiving security in the form of state social payments;
- but having a low salary.
If during the vacation described above the organization in which the recipient worked, is liquidated, and the employees leave, then the average monthly salary for the year preceding the vacation is taken to calculate the compensation. The amount of payments may not exceed the maximum established by law.
Maximum payout
Legislative acts do not limit the amount of the allowance for caring for a child up to 1.5 years, but there is a restriction on the average earnings per day, on the basis of which payments are accrued.
The highest average earnings are calculated dividing the amount maximum basic values \u200b\u200bformed by the transfer of insurance payments to the Social Insurance Fund for the previous 24 months, at 730 (number of days in 24 months). The limit base value is set by the state every year..
The maximum allowance for 2 children should not exceed the average monthly salary, but if the amount received is less than the amount received from adding the minimum payments, then the total amount of minimum compensation will be assigned.
The right to receive childcare benefits remains if the recipient works part-time or carries out activities at home during the established vacation period.
Set of documents required for assignment of benefits
In order to make payments for caring for a child under 1.5 years old, it is necessary to provide such a set of documents to the employer or the FSS bodies :
- written statement;
- a document confirming the birth of the child for whom payments will be assigned, and other children (and their photocopies);
- a certificate from the accounting department at the place of employment of the other parent, confirming his non-receipt of benefits;
- Certificate of salary from the previous place of work (necessary if the applicant changed jobs within the previous 2 years).
If the applicant has carried out labor activities in several organizations, then certificates from all other institutions will also be required stating that no payments were made there.
What kind of allowance can a family with two children under 1.5 years old count on?
If the family has more than one child who has not reached the age of 1.5, then accrued payments must be added up. The value of this amount will depend on what kind of account the kids will be. If the children are the first and second child, then the amount of security will be 4852.00 + 6803.98 \u003d 11066.89 rubles. If the second and third, then - 6803.98 + 6803.98 \u003d 13607.96 rubles.
If father and mother were, then the amount of accrued benefits is much higher than the minimum established by the state.
Where is the calculation and payment of compensation
There are 3 places where you can apply for and receive benefits:
- At the place of employment of the recipient.
- In the FSS for working citizens (in some cases).
- In the organization of social protection of the population (for non-working citizens).
Terms defined for assignment and receipt of benefits
According to the laws of the country, a woman can draw up and receive payments immediately after it ends or immediately after the birth of the baby, if the decree was not provided. Also, the mother has the right to begin her duties at the place of work, and then take leave to care for her second child.
You can write an application for the accrual of security at any convenient time from the day the vacation is granted. But to do this is not necessary 6 months later. after the baby has reached 1.5 years of age.
Assigned allowance must be paid in full, from the moment of filing the application for parental leave until the child reaches the age of 1.5 years, regardless of the date written on the purpose of payment of the application.
Compensation must be accrued in a period of 10 days from the date of transfer to the relevant authorities of the necessary documents. If payments are made by the employer, then they can be received on the day the next salary is paid. If receipt occurs through the FSS department, then the funds will be sent to the recipient by mail or transferred through a bank to a card.
How to get benefits for a second child if the first-born is dead
If the family lost its first child even during childbirth, then the second child after being born will be recognized as the second. Then the family has the right to pretend:
- on payments relying for the second child;
In the case under consideration, when establishing the allowance, documents should be submitted confirming the birth and death of the first-born. If his birth certificate was not received in a timely manner, then the law allows you to contact the registry office later. According to legislative acts issued birth certificate for children who have not lived 2 weeks. But if the baby died in the womb and was not born, then such a document is not issued.
How to combine maternity leave and parental leave
If the leave for caring for the first child is completed, and the parent plans, then she is entitled to receive all payments provided for by the states for this child.
If the mother went to work after the first decree, then it is drawn up in the same way. The problem can arise only with a small income in the period, based on which the calculation is carried out. Under such circumstances, it is permitted to take the other 2 years as a basis during which the parent had a higher income level.
If there are grounds for issuing a repeated decree, when the first has not yet been completed, then the woman will have to choose: receive accrued once or prefer monthly compensation. After making a decision, she must inform the employer or the FSS department with the help of the submitted application.
When the maternity leave related to the birth of the second baby comes to an end, the mother has the right to reissue the allowance for the care of both children. And then they will be summed up.
Parents of the baby have the right to state assistance in the period of care for him up to 1.5 years of age. It is necessary to use this right and apply for assignment of payments to the relevant authorities.
The allowance for caring for a child under 1.5 years of age is issued through the Department of Social Protection of the Population (OSS) of Russian and foreign citizens caring for the child and having the status of official unemployed or studying in person. It can be parents, guardians and other close relatives, for example, a grandmother. The list of persons entitled to payment is given in Art. 39 of the Order of the Ministry of Health and Social Development of the Russian Federation No. 1012n dated December 23, 2009 “On approval of the Procedure and conditions for the appointment and payment of state benefits to citizens with children”.
Payments through social security are charged at a minimum amount. Are regulated by the Federal Law of May 19, 1995 No. 81-ФЗ “On State Benefits for Citizens with Children”. Apply to social security (USZN) at the place of residence before the child is two years old.
A disabled mother loses her right to, and in the amount of 50 rubles every month. However, in many constituent entities of the Russian Federation, single mothers may receive additional ones.
Amount of monthly allowance
- for the first child - 3324.27 rubles;
- for the second and each next child - 6751.54 rubles.
The amount of payment increases by the district coefficient, which is assigned to residents of Eastern Siberia, the Far Eastern region, the territory of the Far North. The value depends on the region and ranges from 1.1 to 2.0. For example, the amount for a second child for a resident will be 9,452.16 rubles. (6751.54 × 1.4) because the amount will be increased by a factor of 1.4.
Benefits for several children are added up and paid simultaneously. For example, if twins are raised in a family, the amount of the benefit will be 10,075.81 rubles. An allowance in the amount of 3324.27 rubles will be paid for one of the children, and 6751.54 rubles for the second.
Officially registered as unemployed can receive only one of the benefits: child care or unemployment. Choose the payment that is more profitable for you.
Checkout in Social Security
Unemployed people can apply for benefits from the month the child is born until they reach the age of two years. Even if you do not immediately contact social security, all the amounts due will still be paid.
Mothers, fathers, guardians, and other relatives who actually provide care are eligible. The following categories of citizens are drawn up through social protection:
- official unemployed registered with the Employment Center;
- dismissed in connection with the liquidation of the enterprise;
- full-time students receiving primary, secondary or higher professional education, as well as graduate students;
- wives of military personnel transferred abroad;
- individual entrepreneurs, notaries, lawyers and private practice lawyers, including those who have completed their activities;
- relatives providing care because the parent cannot take care of the child for health reasons or is evading education;
- relatives not subject to mandatory social insurance in case of death of the parent or deprivation of their parental rights.
According to part 2 of article 11.1 of the Federal Law No. 255 and judicial practice, part-time or part-time work is understood to mean working hours of less than 60% of the total working time. For example, with an 8-hour shift, part-time should not be more than 5 hours. The calculation is as follows: 8 hours × 60% \u003d 4.8. We round off the resulting value to an integer, i.e., up to 5 hours.
Clearance process
To apply for a child care allowance for a child under 1.5 years of age, unemployed citizens must:
- Get a birth certificate.
- Open an account with a bank; USZN recommends Sberbank
- Collect documents, take account details and make copies.
- Contact your local social security office.
Other relatives must provide a document that confirms cohabitation with the child and a document proving why the parents do not care: a death certificate of the parent, a court decision on the deprivation of parental rights, a certificate of detention or a document recognizing them as missing.
When one of the parents draws up the allowance, he brings confirmation that the second does not receive it. Single mothers confirm their status, i.e. lack of a second parent. These documents include the birth certificate of a child with a dash in the column “father” or a certificate from the registry office that the father was recorded according to the woman.
List of required documents
- Application for a model that will help fill out in social protection.
- Passport of a citizen of the Russian Federation (foreign citizen, refugee certificate).
- Birth certificate (adoption) of a child.
- A certified copy of the adoption (guardianship).
- Certificate of family composition.
- Extract from the work book about the last job.
- A copy of the order of dismissal from the last place of work.
- If you have received a maternity allowance, you should provide a calculation of this allowance.
- Copies of all documents, including a copy of the bank account details.
- A certificate confirming that the second parent does not receive benefits (issued at the place of work, service or in the Social Security Office).
Documents can be provided electronically through the State Services website.
The right to benefits for foreigners
It is worth highlighting the category of parents of foreigners. According to Article 1 of Federal Law No. 81, its effect extends to citizens of the Russian Federation, foreign citizens, stateless persons, and also refugees permanently residing in Russia. Therefore, having a residence permit (RVP), stateless person certificate or refugee certificate, you can register with the Employment Center as unemployed and apply for childcare benefits up to 1.5 through social protection.
When they start to pay
The first transfer to the unemployed, as well as subsequent income, is paid to the bank account or through the post office until the 26th day of each month. Payments are made month after month, for example, in September you get for September, in October for October.
The first payment is received within 10 days from the date of acceptance of the application and supporting documents. He lists the last social protection in a month when the child is 1.5 years old.
There is no exact schedule of payments, in each region they pay on different dates, regardless of other areas. Sometimes benefits may be delayed. In this case, you should call the social protection service and find out the reason for the delay.
USZN employees themselves are not responsible for the transfer of money, but they can inform you about the reasons for the delay in benefits. You should also call because to find out if this is a massive delay or if the money didn’t come to you.
As a rule, the term for transferring benefits is shifted due to holidays, which is especially true in January after the New Year holidays.
Single mother
The payment of benefits for the care of a child under 1.5 does not depend on the social status of the mother. A single mother receives the same support from the state as a mother from a complete family.
How to apply for a disabled grandmother
- Grandma has not reached retirement age. According to the law, a disabled grandmother can receive benefits if parents want to continue working or cannot and do not want to look after the child. But to receive benefits, she should be registered in the employment center as unemployed. In this case, you have to choose whether to receive childcare allowance for a child under 1.5 years of age or unemployment, since two cannot be issued at the same time.
- Grandmother - a non-working pensioner. It is not possible to claim payment for the care of a child up to 1.5 years old, with the exception of the case of the death of the child's parents or deprivation of their parental rights. However, she will have to go through the adoption or guardianship procedure first.
If the care of the baby is carried out by several persons entitled to receive benefits, then you must choose the one who will be able to receive a large payment.
Is the benefit included in the length of service
The length of service includes 1.5 years of care for each child if, before the decree or after it, official labor or entrepreneurial activity was conducted in the Russian Federation and contributions to the Pension Fund were paid. At the same time, a maximum of 6 years is included in the experience. For example, if a mother has 5 children, for whom she has been caring for a total of 7.5 years (1.5 × 5 \u003d 7.5), she will be counted in the experience of only 6 years. Art. 12 of the Federal Law No. 400 of December 28, 2013 “On Insurance Pensions”.
While you are on parental leave up to 1.5 years, an increased individual pension coefficient (IPC) is charged:
- 1.8 - for the first child;
- 3.6 - for the second child;
- 5.4 - for the third and fourth child.
If the year was incomplete, then the IPC is calculated in proportion to the period. The full month is considered as 1/12 part of the coefficient, and one day - 1/360 part.
Conclusion
- One of the parents, mother or father, guardian, as well as another relative actually caring for the child.
- Payments are accrued at the Office of Social Security (social protection) at the place of residence. The source of financing benefits is the federal budget.
- If there are several children under the age of 1.5 years, the benefit is paid for each of them with a total amount.
- You can make a payment at any time for two years from the month the baby is born. The allowance will be listed for all missed months.
- A non-working parent loses the right to benefit if he is not registered with the employment center as unemployed.
The state guarantees that a one-time allowance for caring for a second child up to 1.5 years old applies to all categories of citizens without exception. The only difference from payments for the first child is that the minimum monthly payment is doubled.
When calculating the number of children, only those who are raised by the beneficiary are taken into account.
If the mother was deprived of parental rights, with the birth of the second, the state does not take into account the fact of the existence of the first. Therefore, the allowance is prescribed as for the first-born. The state gives money for the proper maintenance of the child, which is included in parental responsibilities. When the guardianship authorities take the child away, all the maintenance costs are borne by the state. All allowances and benefits are transferred to other guardians.
For working
The procedure for calculating the subsidy of a working mother in 2019 has not changed. The amount is also equal to 40% of the average earnings for the previous two years.
Order of registration
- Make sure that the employee has the right to receive payments.
- Check whether all documents have been submitted:
- free form application;
- birth certificate;
- copy of the birth certificate of the firstborn;
- a certificate from the place of work of the second parent stating that he does not receive this allowance.
- Determine the billing period.
- Calculate the amount of the subsidy.
- Assign payouts.