Some Russians can claim pension savings before the standard age, provided they have legal grounds for an early old-age insurance pension and meet the service and pension-point requirements.
Pension savings are recorded separately from the insurance pension and may be held by the Social Fund of Russia or a non-state pension fund. They are paid under separate rules. RIA Novosti cited Vadim Vinogradov, a member of Russia’s Public Chamber and dean of the Faculty of Law at HSE University, on possible grounds for early payment. Lenta.ru, citing Vinogradov, said early access requires grounds for an early old-age insurance pension.
Savings may have been accumulated by people born in 1967 or later whose employers paid funded contributions before 2014. The group also includes men born from 1953 through 1966 and women born from 1957 through 1966, if contributions were paid for them in 2002–2004. People can check their eligibility and balance in an individual account statement requested through the Gosuslugi portal.
Savings are generally available from age 55 for women and 60 for men. Earlier payment is possible for people entitled to an early insurance pension. The Social Fund of Russia says an individual needs at least 15 years of insurance service and an individual pension coefficient of at least 30 to receive a funded pension. A person who reaches the applicable age without the required service or pension points may qualify for a one-time payment regardless of the savings balance.
The payout form also depends on the calculated amount of the funded pension. The Social Fund says savings are paid as a lump sum if the calculated monthly pension does not exceed 10% of the federal pensioner’s subsistence minimum. In 2026, the expected payout period is 270 months. If a funded pension has already been assigned, it cannot be replaced with a one-time payment of the remaining funds. People should check their individual account and confirm the procedure with the fund holding their savings before applying.