How is maternity capital indexed? All about indexation of maternity capital: how does it affect the amount? What does indexing mean?
Today, the so-called indexation of maternity capital is causing huge controversy. This payment plays an important role in supporting families with several children. In Russia, as in all countries, prices rise over time. Benefits and pensions are indexed. Is maternity capital increasing? Are they planning to increase this payment in Russia? What news can you hear about this payment? And how can it be done? Understanding all this is not as difficult as it seems. The main thing is to understand where the truth is and where the lies are. After all, there is a lot of news about maternity capital. And only some of them can be called true.
Significant increase
The first thing that attracted attention to the payment under study was the recent news of indexation of maternity capital. The thing is that now you can come across an opinion according to which it is proposed not only to index, but also to generally increase the issuance of funds. What exactly are we talking about?
Not long ago, the government made proposals to increase the maternity capital that citizens receive for their third child. Families were asked to pay 1,500,000 rubles. This idea made the population think about adding to their family.
But only many will be disappointed. Such indexation of maternity capital was rejected. All citizens are awarded this financial support in smaller amounts and regardless of the number of children in a particular unit of society. Therefore, we cannot expect an increase in remuneration for improving demographics in the country in the previously indicated amounts.
What is indexing?
The next point worthy of attention is the disclosure of the concept of indexing. After all, not everyone understands what we are talking about. And in general, does this term have anything to do with the payment being studied?
Actually, yes. Indexation is an increase in payments depending on the growth of inflation in the country. This measure helps to maintain the well-being of citizens at approximately the same level. But at the same time, the payments due in one case or another increase in size.
Indexation of maternity capital actually takes place. But many people call it a simple increase. Therefore, it is important to understand that the government does not ignore the funds being studied.
Latest changes
But in times of crisis, sometimes you have to agree to special measures. The last indexation of maternity capital took place in 2015. And since then, payments have not increased. And this despite the strong rise in inflation in Russia.
Therefore, in 2016 there was no indexation. At the moment, discussions are underway to increase the payment of maternity capital in 2017. They say that cash payments will still be increased. All that remains is to wait for the coming of the new year. Towards the end of 2016 it will be known for sure whether indexation will take place or not.
Indexing of received funds
The amount of maternity capital indexation directly depends on the level of inflation in a given period. Plus, in Russia the state of the state budget is taken into account. It has already been said that funds issued at the birth of a second or subsequent children have not increased since 2015. And all this is due to the state of the state budget and the crisis.
A question that makes many people think is whether there is indexation of maternity capital that has already been received? If in 2016 citizens issue the appropriate certificate, and in 2017 the payment actually is indexed, what amount will they have to count on?
The one that will be applied in 2017. The thing is that the certificate issued by the Russian Pension Fund supports indexation. And if you take a document in one year, then wait for an increase in payments, and only after that use it, then the new amount will take place.
Remainder
What if the maternity capital has not been fully used? It happens that citizens receive a certificate and then only partially “activate” it. Will there be indexation of maternity capital in this case? After all, the total amount increases!
And the rest too. It will be indexed until the recipients want to use the funds again. That is, there will be an increase of a certain percentage to the money received, but not as large as from the full amount.
Therefore, indexing plays an important role for many. It allows you to use a certain amount of money in one case or another and not lose anything due to rising inflation in the country.
When is it indexed?
Many people are interested in when maternity capital indexation occurs. It is difficult to answer this question in the conditions of the current crisis. In general, the increase in funds allocated to parents occurred annually. Usually in January every year. But we had to constantly monitor information about indexing.
But now you should not only be interested in the latest news about maternity capital, but also know exactly when it will increase. Everything remains the same. If indexation takes place in 2017, it will take place in January. Only rarely can payments be increased in the middle of the year - in July or August. Therefore, in January, citizens will have the right to receive increased maternity capital.
By year
Many people are interested in how much the payment being studied today has increased over the entire period. Maternity capital (indexation by year of issue of the certificate is presented below) has changed significantly. Initially, such material support was provided to citizens who had two or more minor children in their family. This condition has continued to this day. It's just increased. The program to support families with several children began in 2008. Since that year, citizens have received the following payments (by year);
- 2008 - 276 thousand 250 rubles;
- in 2009 - 321 thousand 162 rubles;
- 2010 - 343,378 rubles;
- in 2011 - 365 thousand 698 rubles;
- 2012 - 387,640 rubles;
- in 2013 - 408,960;
- 2014 - 429 thousand 408 rubles;
- in 2015 - 453,026 rubles.
Indexation of maternity capital has not been carried out in the last 12 months. Accordingly, in 2016 this payment was the same as in 2015. This means that all families who applied for maternity capital received exactly 453 thousand 26 rubles.
Percentages
The next point that interests citizens is the size of indexation of maternity capital. After all, it is the percentage indicators that will help you independently calculate how much money a partially used certificate stores.
It has already been said several times that the payment under study was not indexed in 2016. Therefore, in this period of time, the percentage is 0. How much did payments increase previously? From 2008 to 2015 inclusive, indexation was respectively:
- 10,5%;
- 6,5%;
- 6,0%;
- 5,5%;
- 5,5%.
Thus, in 2008 indexation was 10.5 percent, and in 2015 - 5.5. And it is within these limits that it is planned to further increase the payment. If there is one at all. At the moment, by 2017 the government proposes to increase paid-in capital by 5.5%.
Documents for submission
Maternity capital indexation is an important point when providing support to people with several children. In 2017, the study payment is expected to increase. But how can you get it? What will this require from parents? Of course, after citizens have 2 or more children. Not necessarily right away.
The documents that will need to be submitted to the Pension Fund are as follows:
- parents' passports;
- birth certificates of all minors;
- adoption documents (if any);
- application of the established form;
- SNILS of all minors and the applicant.
Nothing more is required. The listed documents are submitted to the Pension Fund, then the family is issued a special certificate. It will indicate the recipient, as well as the amount due at the time of issue. It should be remembered that during indexing it will actually be recalculated. But you don't need to change the certificate at all. When using documents, funds will be automatically recalculated. There is no need to worry at this point.
Conclusions
The last indexation of maternity capital took place in 2015. So far, an increase in this payment is planned, but it is not known for sure whether it will happen. In fact, indexing plays an important role for the population. Prices are rising with inflation. And over time, the money paid may turn out to be practically useless. Therefore, sometimes it is necessary to increase benefits.
In 2017, maternity capital is planned to remain and even increase. Approximately up to 495,000 rubles. Therefore, we can hope that indexation will still take place. All that remains is to follow the latest news and wait for an increase in payments. Although, in the current crisis, maternity capital may be completely removed. So far, this state support program has been extended until 2020. But this does not mean that it cannot be canceled urgently.
The state support program “Maternity Capital” will continue to be implemented in 2013 with predicted changes. This project of the Russian government, operating since 2007, is aimed at providing support to young families.
According to the Law on Maternity Capital in 2013, after the birth of a second child, a mother is issued a personal certificate in the amount established by the government of the Russian Federation. These funds can be spent by the family to improve the lives of newborn Russians. The law includes these measures:
- Acquisition or construction of housing;
- Education of family children;
- Formation of the funded part of the mother’s labor pension.
As a general rule, Maternity Capital can be used after the child reaches the age of three. Except in cases of purchase of housing, its construction, reconstruction or repayment of part of the mortgage. Funds may be spent for these purposes immediately after receiving the certificate. At the same time, maternity capital in 2013, just like in previous years, cannot be put on deposit or spent, for example, on a car or paying off current debts on loans and utilities.
To protect family capital from unjustified waste by parents, cashing out state certificates is prohibited by law. This type of government assistance is spent only in non-cash form.
Exceptions to this rule existed in 2008 - 2010, when the law provided for a one-time cash payment of 12 thousand rubles, which parents could spend at their own discretion. However, the validity of these laws was no longer extended and this is also not expected next year.
Conditions for receiving maternity capital
The main condition for receiving maternity capital is the birth or adoption of a second child, or the birth of twins. At the same time, in order to issue a certificate, the family must comply requirements, described in the Rules for issuing a state certificate for maternity capital, approved by Decree of the Government of the Russian Federation No. 873 of December 30, 2006:
- The second child was born or adopted after 01/01/2007;
- Previously, the family or the only adoptive parent did not have time to take advantage of state assistance;
- The parents have not been deprived of parental rights and have not committed criminal offenses against their children.
If these conditions are met, then immediately after the birth of the long-awaited child, you can contact the regional authorities of the Pension Fund of Russia to issue a state certificate.
The amount of maternity capital in 2013
The amount of maternity capital in 2013 is 408,960 rubles. In essence, the Federal Law “On Additional Measures of State Support for Families with Children,” the funds allocated under this program should provide significant support to Russian families and should not depreciate. For this purpose, the amounts of state aid are indexed every year. Starting from 2007, the amount of maternity capital that was supposed to be paid under state certificates was:
- 2007 - 250 thousand rubles;
- 2008 - 276 thousand 250 rubles;
- 2009 - 312 thousand 162 rubles;
- 2010 - 343 thousand 378 rubles;
- 2011 - 365 thousand 698 rubles;
- 2012 - 387 thousand 600 rubles;
- 2013 - 408 thousand 960 rubles.
Documents for maternity capital in 2013
In order to receive a positive decision from the regional branch of the Pension Fund, the following are required: documents for maternity capital, which will be issued in 2013:
- Application for assistance;
And also certified copies:
- Applicant's passport;
- Child birth or adoption certificate;
- Document on the child's citizenship;
- A document confirming the rights of a trustee.
After receiving the full package of documents, the Pension Fund body is obliged to make a decision on issuing a state certificate within 1 month. Thanks to the strict deadlines established by law, the bureaucratic machine works quickly and accurately.
Maternity capital is not just a sum of money, but a sum of government funds issued to cover certain items of family expenses and indexed annually. Maternity capital is indexed taking into account the rate and level of inflation. In 2016 and 2017, it was “frozen” due to the state budget deficit.
Indexation of maternity capital by year
As of today, the Government of the Russian Federation has “frozen” the amount of maternity capital indexation until 2020, and it will amount to 453,026 rubles, the same as in 2015. Previously, it was carried out based on the percentage of inflation (5-5.5%) annually.Indexation of maternity capital, starting from 2008 and ending in 2017, is presented in the table:
The indexation scheme from 2007 to 2016 can also be seen in the following photo:
Capital indexing after receiving the certificate
Often families “take their time” in obtaining a maternity capital certificate in connection with the upcoming indexation, so that the amount on the certificate is larger. But you need to understand that funds, namely capital, are issued taking into account indexation by the Pension Fund, and not taking into account the amount indicated on the certificate.That is, if a family received a certificate in 2009 in the amount of 312,162 rubles, and decided to use it in 2016 (that is, directly submitted an application to the Pension Fund), then the amount that is due for payment will be 453,026 rubles, regardless of the entry in the certificate.
The balance of maternity capital - how is it indexed?
The narrow focus of maternity capital funds leads people to receive one-time payments:- In 2015, the payment amounted to 20,000 rubles.
- In 2016, the amount increased to 25,000 rubles.
The answer is simple: the balance of maternity capital after the lump sum payments are made is indexed according to a coefficient similar to what it would be if the amount were untouched.
Thus, you have two options for the “development of events”:
- If you withdrew 12,000 rubles twice in 2009 and 2010, respectively, then the amount “to be issued” in 2016 will be 419,779 rubles, taking into account the indexation of maternity capital.
- If you received one-time payments not only in those years, but also in 2015 in the amount of 20,000 rubles, and in 2016 in the amount of 25,000 rubles, then the balance “on the balance sheet” of your state account will be 374,779 rubles, taking into account indexation.
Nuances of indexation when issuing and using capital
If twins were born, there are two different opinions “among the people”: either maternity capital will be “double” or not at all, since the children were born “at the same time”. Both opinions are not based on the law, and the law says:- If this is the first birth, then the mother is entitled to maternity capital, regardless of who is the first and who is the second of the twins, the very fact of the birth of the second child is established.
- If twins are the second and third child for the mother, then maternity capital is paid in a single amount. But this payment is made from the federal budget, and you can also count on the regional one. You need to complete the registration procedure and receive additional funds for implementation.
At the same time, regional maternity capital is not subject to indexation. As a rule, it is issued to families with two or more children, and its size is about 100,000 rubles (as, for example, in the Rostov and Moscow regions) and since 2011 its size has not changed.
Indexation of maternity capital occurs annually, and it often happens that families, approaching the threshold of using it, break up. The male half of the family begins to claim maternity capital, since they consider it acquired in marriage, and there are two options:
- If maternity capital has not yet been “used” for the purchase of housing (and other needs), most often lawyers take the female side, since capital is interpreted unambiguously as “maternal capital”.
- If real estate was purchased with the participation of these funds, then it is necessary to submit payment documents confirming whose party bore the costs of the acquisition, hence the court decision on this issue.
Maternity capital is an opportunity not only to improve family material well-being, but also to make an investment in a happy future for yourself and your children, so knowing, you can painlessly go through the procedure for obtaining capital and use it in the best way for you and your children.
The state program for additional material support for families with children in the form of maternity capital began to operate in 2007. Naturally, over such a long period of time the established amount could depreciate. Because of inflation. It was in order to prevent this disastrous process that it was decided to periodically index family payments.
Currently, Russians are interested in the indexation of maternity capital in 2020.
What does indexing mean?
In order to protect recipients of this type of material state assistance from the negative inflationary process, indexation of maternal capital is provided.
This is an increase in family payments due to a special coefficient. It is calculated based on the inflation rate and price indicators for the forecast year.
Such an increase is necessary so that the amounts of payments are commensurate with the changes in prices for housing, education, and items for social rehabilitation of disabled children. Thus, future recipients will not be placed at a greater economic disadvantage than similar individuals in prior years.
From 2007 to 2015, the amount of maternity capital increased by more than 90%. It was - 250 thousand became a little more than 453 thousand rubles. From 2020, the size of the MSK is 466,617 rubles.
Thus the state:
- prevents depreciation of the social assistance secured by the certificate;
- protects the interests of families and persons who have the right to use it.
The indexation coefficient being introduced is related to the projected inflation level.
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What exactly is indexed
Many are also interested in the question of whether the balance of maternity capital is indexed.
Regardless of whether any funds were withdrawn from the PF account at the request of the recipient of the maternity capital or not, the remaining amount there will be indexed.
It happens that citizens have partially exercised their right. For example:
- allocated some money for the child’s education;
- transferred to the funded part of the mother's pension;
- exercised the right to one-time payments made periodically.
The remainder of the amount, which does not disappear until it is completely exhausted, is indexed.
Naturally, the smaller the remaining amount, the smaller its increase will be as a result of the next indexation. Therefore, you should not expect that 10,000 rubles will again turn into 453,000. Everything happens proportionally.
You can find out the exact balance of your personal account by submitting a corresponding application to the Pension Fund.
Attention! Absolutely all amounts of maternity capital are subject to indexation. And those for which certificates have been received and partially implemented.
If the account is reset to zero (the right has been fully exercised), then indexing is not applicable.
Do you need information on this issue? and our lawyers will contact you shortly.
How to confirm the balance of the amount
To confirm the amount available in the account you must:
- take a current certificate from the Pension Fund;
- find out about the indexation carried out in the next year (without requesting a certificate).
As for amounts already received, they are not indexed. If part or one hundred percent of the money has been sold - withdrawn from the PF account, then such amounts are no longer indexed.
Since the right to maternal capital has already been realized along with the right to index these amounts. But the balance in the PF account is subject to indexation.
News about MK indexation
The information disseminated about the indexation of maternity capital in 2016-2017 is, unfortunately, only rumors. Since 2015, the last established payment amount has not changed. At the end of 2019, a decision was made to index the size of the MSK from 2020.
Attention! There was also no re-indexation of maternity capital in 2018.
The size of maternity capital in 2020 is still 466,617 rubles.
Full disposal of funds is possible only after the 2nd or subsequent child reaches 3 years of age. An application for disposal can be completed when the child reaches 2 years and 6 months. However, the money will only be received after the child turns 3 years old.
Important! An exception is participation in mortgage lending for the purchase of housing in order to improve living conditions. It is valid immediately after the certificate is issued. And also - payment for nurseries, nannies, social adaptation of a disabled child and monthly payments for the 2nd child.
The use of maternal capital still has a strict target direction:
- improving the family’s existing living conditions,
- payment for children's education,
- formation of a future maternal pension,
- payment for products for integration into society and social adaptation of disabled children.
Indexation by year
Until 2016, indexation of maternity capital amounts was carried out annually. Last year, the Government of the Russian Federation for the first time voiced the topic of the social inexpediency of indexing. Due to financial difficulties and budget deficit. Therefore, it was decided to save on social issues.
Moreover, at present, the question of the possibility of freezing funds in the Pension Fund or revising the current program is periodically raised.
In particular, it was proposed to replace the nominal amount with fixed annual payments until the child comes of age. This means the one after whose birth the right to such financial assistance from the state became available.
Below is the exact annual payment indexation schedule.
| 2007 | 250000 |
| 2008 | 276250 |
| 2009 | 312162 |
| 2010 | 343378 |
| 2011 | 365698 |
| 2012 | 387640 |
| 2013 | 408960 |
| 2014 | 429408 |
| 2015 | 453026 |
| 2016, 2017, 2018, 2019, | 453026 |
| 2020 | 466 617 |
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Latest changes
Currently, the general program is valid for people who have given birth to their second and subsequent children until the end of 2021. Whether its validity will be extended is currently being considered by the government. And indexation of payments has not been applied for three years now.
There will be no indexation of payments until 2020. This was announced by the head of the Pension Fund Anton Drozdov. The amount of payments for families in which a second and subsequent child is born will remain at 453,026 rubles. And from 2020, the size of the MSK will be 466,617 rubles.
Our experts monitor all changes in legislation to provide you with reliable information.
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Video about the timing of maternity capital payments.
April 19, 2017, 04:30 Jan 7, 2020 12:45 
- to three pre-existing maternity capital fourth added- now money can also be sent using a certificate regardless of the time that has passed since their birth or adoption, that is;
- the provision on - its size has not changed for 2016 and still amounts to .
In addition, taking into account the completion of last year’s anti-crisis plan for 2016-2017, the Government decided to re-provide a one-time payment from maternity capital.
Changes made to the program mat. capital are quite contradictory. The issuance of certificates will continue after 2016, but their purchasing power may decrease significantly now!
The further fate of the state program for the payment of maternal (family) capital, which worries many Russian families, was determined in December 2015, when V. Putin ordered extend the program for another 2 years.
Federal Law No. 433-FZ of December 30, 2015 made appropriate changes to the program - now it applies to all families who have given birth to or adopted a second, third or subsequent child until December 31, 2018 inclusive!
Certificate size and indexing
During the entire period of the program, the amount of payments. In 2007, maternity capital was only 250,000 rub., and the amount provided increased by 81% of the base amount - up to RUB 453,026
However, in 2016, due to the difficult economic situation, the Russian Government decided not to carry out the next indexation of the amount under the certificate. It is expected that next time the payment amount will be increased as usual. from January 1, 2017.
The option of another increase in the amount of mat is currently being discussed. capital by 6% to 480 thousand rubles, however, in any case, the Government will make a decision at the end of the year depending on world oil prices and the prospects for the end of the domestic Russian economic crisis).
News and changes for 2016
Changes in 2016 may affect not only the abolition of payment indexation, but also the scope of its application. Let us remember that before this the list of possible directions remained unchanged for a long time (almost 9 years):
A further increase in the size of the benefit and an expansion of the list of areas for its use in the regions in 2016 largely depends on the economic situation in the country as a whole and on the willingness of local authorities to continue making efforts to stimulate the birth rate and support motherhood and childhood.
Conclusion
The need to continue the program is not in doubt among potential recipients of maternity capital, nor among State Duma deputies, nor among government members.
By the end of 2018, all obligations undertaken by the government to support families with children will be fulfilled, but the size of the certificate will most likely continue to be indexed at a slow pace or not increase at all.