Allowance for the care of a child up to 3 years for SP. What needs to be done to receive all possible maternity payments for individual entrepreneurs - the amount of benefits

Every woman, going on maternity leave, receives appropriate payments. However, in the case of entrepreneurs who pay maternity IP, many representatives of small businesses are interested.

Entrepreneurship in the Russian Federation is very common. To support small businesses, new conditions are being created that can make doing business understandable and convenient. Nowadays, it is not necessary to have special knowledge in the field of accounting in order to be a successful entrepreneur and report correctly to the tax office.

The easiest solution for those who plan to start their own business is to register as an individual entrepreneur. In Russia, good conditions have been created for individual entrepreneurs. For example, a choice between several taxation systems is allowed. Each individual entrepreneur has the opportunity to use the simplest or most advantageous system for a particular case.

Given all the benefits that registration as an individual entrepreneur provides, it is not surprising that this is the most popular type of legal form in the Russian Federation. Often, women also start their own businesses. For them, the rules of doing business are no different from those provided for the representatives of the stronger sex.

Nowadays, it is considered quite normal for a woman to have her own business. There are a lot of individual entrepreneurs among the representatives of the beautiful half of humanity, so it does not surprise anyone when a woman pulls a seemingly unbearable burden. Statistics show that in some situations, ladies are much better at solving certain problems.

However, even a businesswoman first of all thinks about her family. Among individual entrepreneurs, there are many who go on maternity leave to care for a baby. In such a situation, the IP has a lot of questions. First of all, this concerns maternity payments, because it is not immediately clear whether the maternity allowance is due for individual entrepreneurs.

What can a sole trader expect?

Women who are registered as individual entrepreneurs often worry about the state payments they are entitled to. This is especially true for maternity benefits and how to get maternity IP.

The answer to this question is extremely simple. If an entrepreneur pays contributions to the Social Security Fund, he can count on assistance from the state in certain cases. This includes those situations when a woman goes on maternity leave to take care of a baby until he reaches 1.5 years.

There is no rule in Russian legislation that would oblige individual businessmen to pay contributions to the Social Insurance Fund for themselves. Everything happens exclusively on a voluntary basis, but insurance provides many advantages, so experts recommend not to refuse it. There are a lot of options for reimbursement for IP. If the entrepreneur paid contributions to the Social Insurance Fund, he is also entitled to payments due to temporary disability, and compensation for pregnancy and childbirth, as well as maternity benefits. For this reason, it is especially recommended for a business woman to pay insurance premiums.

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How to calculate the amount of contributions?

The conditions of maternity leave for individual entrepreneurs are no different from those offered to women who are not engaged in their own business. A woman who is registered as an individual entrepreneur has the right to apply for maternity and child benefits, like any other young mother. Payments are guaranteed if there are payments on insurance premiums to the FSS. Today, for individual entrepreneurs, insurance is 2.9%. Based on this percentage, the entrepreneur can independently calculate how much he needs to pay for the year.

To correctly calculate the amount of social security contributions, it is necessary to add up all wages for the current year, and then multiply the amount received by the percentage indicated above. If a businessman is in the status of an individual entrepreneur not for the entire calendar year, the actual time worked is taken.

Payment of insurance premiums must be made before the end of the current year. This is very important, otherwise the woman will not be able to receive maternity benefits next year.

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What payments are due to a business woman?

As mentioned above, a woman registered as an individual entrepreneur can count on maternity payments if she made payments to the FSS during her work in the amount established by Russian law. That is, not everyone can count on receiving monthly benefits before the child turns 1.5 years old.

However, there are a number of payments from the state that apply to absolutely everyone, including business women who do not pay insurance premiums. In any case, the Social Insurance Fund will pay money if a woman registers with a medical institution at an early date. The amount here is small, and its size is 613.14 rubles. Also, a woman who is engaged in entrepreneurial activities is required to receive lump-sum payments at the birth of a baby. In 2017, young mothers can count on a slightly larger amount than before. Now the birth allowance is about 16.35 million rubles. This figure has increased by 838 rubles compared to the previous year.

The process of applying for a child care allowance for an individual entrepreneur is no different from a similar procedure for unemployed young mothers and those who are officially employed at a state and private enterprise.

In order to receive the due payments, it is necessary to provide the FSS employees with a number of documents.

Women who are not registered with the Social Security Fund may receive some other compensation, depending on the situation. For example, in the Russian Federation there are a number of payments accrued and made by regional authorities. The amounts differ. The numbers also vary depending on the number of children in question.

For large families, not only additional monetary compensations are provided, but also various benefits and special credit conditions. In addition, the wives of servicemen, including those who are self-employed, can count on separate compensation.

Regardless of whether payments are made to the FSS or not, a young mother can receive child benefits until he is 3 years old. But the amount here is such that not everyone wants to spend time on paperwork. At the moment, the amount of the allowance is 50 rubles.

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Documentation for grant application

It is immediately worth noting that business women must submit a package of papers to the branch of the Social Insurance Fund at the place of the main registration of the IP. This includes an application filled out according to a certain model, and a number of documents, which include a certificate of completion of the registration procedure as an individual businessman, a paper confirming the registration of an individual entrepreneur with a tax office, an original and a copy of a civil passport. It is advisable to have both photocopies of papers and their originals with you so that social service employees can verify them. If it is not possible to provide original documents, copies must be certified by a notary.

It is advisable for a woman who owns her own business, that is, she is an individual entrepreneur, to make insurance premiums to the FSS in order to be able, if necessary, to receive maternity payments and other benefits related to temporary disability. However, as mentioned above, for this, you first need to pay a certain percentage to the state. But even here everything is not so simple, because in order to be able to make payments, you need to go through the registration procedure with the Social Insurance Fund. Thus, a business woman gets the opportunity to receive insurance, according to which she will receive monthly maternity benefits.

At the same time, you need to pay attention to the fact that a woman will be able to receive compensation only if she made payments for the past year. If contributions were received by the FSS only in the current reporting period, IP benefits are not allowed. Therefore, a business woman must take care in advance of securing the monetary compensation due to her until the child is 1.5 years old.

Russian law does not oblige a female entrepreneur to pay insurance. However, the law on compulsory social insurance does not include a business woman in the list of persons who are entitled to state maternity payments if there is no agreement with the FSS.

In order to receive monetary compensation, the expectant mother, registered as an individual entrepreneur, is obliged to pay fixed contributions to the Social Insurance Fund on time. As a rule, payments are made until December 31, 1 time per year. If this condition is met, a woman becomes entitled to maternity benefits from January 1 of the next year.

In order not to lose the opportunity to receive additional compensation, a woman must register with a medical institution for up to 12 weeks. In this case, she can count on a one-time allowance in the amount of 613.14 rubles.

Today you will not surprise anyone with your own business. Many women feel great in the role of IP. But at the same time, most of them are not aware of the procedure for obtaining social benefits.

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Can an individual entrepreneur receive an allowance for BiR in 2019? Women registered as individual entrepreneurs independently dispose of the profits received.

And if contributions to the PFR for calculating pensions in the future are mandatory for them, then interaction with the FSS is a purely voluntary matter. For this reason, the question arises, is the maternity allowance for IP in 2019?

What you need to know

Financial stability worries any woman planning a pregnancy. If the expectant mother is an employee, then the employer will take care of the calculation of benefits.

The recipient of payments will only need to find out in the accounting department about the list of necessary documents and provide them in a timely manner.

It's another matter when a woman comes - you have to take care of receiving payments yourself.

First of all, you should know that all payments related to pregnancy are divided into two types. Some are reserved only for working women, others are entitled to any mother.

Regardless of the fact of employment, expectant mothers are entitled to a one-time payment for the birth of a baby.

In addition, you can receive benefits for up to one and a half years of age. These social support measures are issued through the social protection authorities directly at the place of registration.

But during pregnancy and childbirth, working women are entitled to a paid one. But IP such a vacation is not always paid.

Basic concepts

The maternity benefit is a compensation for the temporary disability of a working woman. A pregnant employee is granted leave for a total duration of 140 days.

With multiple pregnancy, rest is increased by 56 days. Complications during childbirth allow you to increase the rest period after the birth of the baby by 16 days.

Maternity leave is calculated cumulatively, that is, a woman can use the set period in full, regardless of the time of leaving.

All vacation days are payable in the amount of average earnings. Payment is accrued by the employer, but paid at the expense of the FSS.

Compulsory insurance of employed citizens provides for such contributions as compensation for temporary disability, including those associated with motherhood.

That is, a woman receives a benefit for BiR from the social fund. Being, a woman during pregnancy can also qualify for the specified allowance. But only if there are certain reasons.

Who is supposed to

The allowance from the FSS in connection with pregnancy and childbirth is due to the following categories of persons:

• working on;
• employees of state and municipal institutions.

Simply put, the FSS pays benefits to insured persons. There are no individual entrepreneurs in the above list, but this does not mean that entrepreneurs are not entitled to B&R benefits.

This is due to the fact that individual entrepreneurs are not required to pay contributions to the Social Security Fund.

However, a female entrepreneur has the right to register with the FSS by entering into a social insurance contract and pay fixed payments.

If for the year preceding the decree, the IP pays the contribution in full, then she is assigned a B&R allowance in the minimum amount, based on.

Legal regulation

In the case of individual entrepreneurs, this method of calculation is not suitable, since contributions are calculated not from income, but on the basis of the minimum wage. Accordingly, the allowance will also depend on the size of the minimum wage.

The usual period of maternity leave is 140 days, the period increases with multiple or complicated pregnancies.

But regardless of the duration of the vacation, the allowance is calculated for each vacation day. The calculation is carried out using the average daily minimum wage.

That is, the minimum wage indicator valid for the accrual period must be divided by the number of days in the billing month, and then multiplied by the number of vacation days in this period.

In the same way, the calculation is carried out for all months during which maternity leave lasts.

An example is the calculation when the sick leave / maternity leave of an individual entrepreneur lasts from 07/05/2017 to 11/22/2017.

The calculation procedure is as follows:

Maternity leave is a special time in a woman's life, when she needs financial support more than ever. In Russia, every woman by law has the right to use compulsory insurance coverage during the period when she cannot work due to pregnancy, childbirth and childcare. Insurance coverage involves the replacement of lost income - the payment of a one-time and monthly assistance.

Ignorance of the procedure for calculating, accruing and paying such benefits raises many questions not only among persons working under an employment contract, but also among employers, as well as among self-employed expectant mothers. This article will focus on how individual entrepreneurs pay maternity and other benefits related to maternity to their employees. It will also be told about who, how and in what amounts makes such payments at the expense of the individual entrepreneurs themselves, who are going on maternity leave.

Rules for calculating and timing of payment of maternity benefits

A woman who is preparing to become a mother is entitled to several types of insurance financial support:

• allowance for maternity leave;
• one-time assistance at the birth of a child;
• assistance assigned at early registration;
• child care allowance (or, as they say, "children's").

The amount of financial assistance provided at the birth of a child is 16,350 rubles 33 kopecks in 2017. This amount is the same for everyone (except for the inhabitants of the Far North), when it is paid, the recipient's earnings do not play a role.

The amount of assistance assigned during early registration is also not affected by the place of work of the expectant mother and her salary. Its value is fixed and amounts to 613 rubles 14 kopecks this year.

As for other support measures, they are calculated taking into account the official earnings and the length of the insurance period of the recipient.

It is useful to read which are provided for by Russian law. Calculation procedure and actual rates.

How maternity allowance is calculated

Maternity allowance is paid immediately for the entire period of maternity leave. The duration of the latter is traditionally 70 days before and 70 days after childbirth. Exceptions are provided for cases where the pregnancy is not singleton (84 days before delivery), childbirth is complicated (86 days after), or more than one child is born (110 days after).

When an entrepreneur concludes an employment contract with an employee, he becomes the insurer of the employed person, and in connection with this, he has a number of obligations. The state obliges employers to transfer monthly contributions to the Social Insurance Fund (FSS) for an employee in the amount of 2.9% of his salary (see).

If a woman is officially employed, her employer is obliged to calculate and pay her the required insurance coverage: maternity and other benefits related to maternity, at the expense of money to be transferred to the FSS. If there is not enough money, he should apply for the missing amount to the local FSS authority.

Important! The basis for the appointment of maternity leave is a sick leave issued by the antenatal clinic that registered the pregnant woman.

The amount of the maternity allowance of the recipient is equal to her average daily earnings, calculated for the two calendar years preceding the year of going on vacation, multiplied by the number of vacation days.

The average daily earnings are determined by summing up all payments (salary, vacation pay, etc.) for the specified period and dividing by 730 (or 731 - if a leap year is included in the calculation) days. The number of days may be reduced in some cases specified by law (for example, in case of illness - by the duration of a period of temporary disability, etc.).

Important! If a woman changed her job within two full calendar years before going on maternity leave, then in order to calculate the allowance, she can submit to the current employer a certificate of average earnings from previous employers. An entrepreneur making payments, as an insured, has the right to verify the information received in this way by sending a request to the territorial body of the FSS.

The child care allowance is calculated in a similar way, with the only difference being that when calculating, not 100%, but 40% of the average daily earnings are taken, with the exception of certain cases (when care is taken for two or more children).

Timing of assistance

According to the law (dated December 29, 2006 N 255-FZ), a woman can receive the required insurance coverage only if she applies for it in a timely manner. So, maternity allowance is assigned if the recipient applies for it no later than six months from the date of completion of maternity leave.

How long does it take for an individual entrepreneur to pay maternity leave? An entrepreneur who has received the necessary documents from an employee (an application, a certificate of incapacity for work, information about income from previous jobs) is obliged to accrue benefits within ten days and pay it on the next date that is set at the enterprise for paying salaries. Moreover, if, simultaneously with the sick leave, a woman also provides a certificate of early registration, then 613 rubles 14 kopecks are added to the amount of maternity leave and paid along with it.

Important! The time of payment of maternity leave does not depend on the number of vacation days. The entire amount is paid immediately.

The timing of the payment of maternity benefits cannot be changed, even if at the time of the application the recipient does not have certificates of income from previous jobs. In this case, the entrepreneur calculates the amount of payment based on the data that he has, and then (upon receiving information from other insurers) recalculates.

Similarly, other types of benefits provided by insurance coverage are calculated and paid. That is, the employer is given ten calendar days from the date of receipt of the documents in order to calculate and assign benefits. The payment must be made on the next pay date.

Financial support for individual entrepreneurs in connection with motherhood

The legislation of the Russian Federation obliges all self-employed citizens registered as individual entrepreneurs, regardless of whether they carry out actual activities, to make contributions to compulsory pension and medical insurance for themselves.

The amount of deductions is determined taking into account the value of the minimum wage established for the current year. In 2017, all individual entrepreneurs who have worked for a whole year are required to transfer a total of 27,990 rubles to the funds (26% of the minimum wage - to the Pension Fund of the Russian Federation and 5.1% - to the FFOMS). Useful to read.

As for social security contributions, they are not mandatory for individual entrepreneurs. A businessman can register with the FSS voluntarily (see), and then he is obliged to deduct 2.9% of the minimum wage to the fund. Since the minimum wage in 2017 is 7,500 rubles, the amount of deductions by an entrepreneur to the FSS for the year is 2,610 rubles (7,500 rubles × 12 months × 2.9%).

If a female IP pays contributions to the FSS for herself, she is entitled to use all types of insurance coverage in connection with motherhood. The amount of maternity benefit in this situation will be calculated in the same way as insurance contributions, based on the minimum wage. In other words, the entrepreneur will receive the minimum possible amount.

The calculation will be something like this:

The average daily earnings of IP \u003d 7500 rubles. × 24 months / 730 days = 246.6 rubles.

Benefit amount = 246.6 rubles. × 140 days = 34524 rubles.

If a female IP does not conclude a voluntary insurance agreement with the FSS and does not make contributions to this fund for herself, then she cannot claim maternity pay.

As for the childcare allowance, from the end of maternity leave until the child reaches the age of 1.5 years, an individual entrepreneur can receive financial assistance in the amount of 3065.69 (if the child is the first) or 6131.37 rubles. (if the child is not the first).

The purpose of this benefit does not depend on whether the individual entrepreneur is in a voluntary legal relationship with the FSS. The situation is the same with financial assistance assigned at the birth of a child and early registration. An individual entrepreneur can receive these benefits in the prescribed manner, even if he does not pay contributions for himself to the FSS.

Useful to read. All current taxation systems, calculation procedure and calculation examples.

Note: it's all about . Legal ways to reduce the tax burden.

A female IP has the opportunity to go on maternity leave if she decides to temporarily stop working in order to fully focus on the child. In order to quickly draw up the necessary documents, not to encounter difficulties, you should take into account the features of maternity leave for an individual entrepreneur.

Maternity leave: basic rules

Facts relevant for expectant mothers:

1. A woman can go on maternity leave only after reaching 30 weeks of pregnancy. If more than one child is expected, then the period increases.
2. Vacation is taken on sick leave, which is issued for 140 days. This period covers the time before and after childbirth.
3. Sometimes the term of the decree is extended to 160 days. Usually, such reliefs are given to women who have experienced complications during pregnancy or during childbirth.

You can receive payments from the state not only during preparation for childbirth and a short period after them, but also for several months when caring for a child. It is permissible to issue maternity leave not only for a woman, but also for her husband. The maximum period of maternity leave is 36 months, but you can only receive significant payments from the state for 18 months.

All women, without exception, including the unemployed, have the opportunity to receive benefits. The only condition in order to be able to submit an appropriate application is that contributions to the FSS must be paid in advance. People working in enterprises do not have to worry about this stage, since deductions are deducted automatically. For individual entrepreneurs, this procedure is optional, it is performed on a voluntary basis.

Important! If a female IP decided to go on maternity leave, but did not pay a contribution to the FSS, she is not entitled to benefits. In order not to face difficulties, but to have stable material assistance and until the child is 3 years old, it is necessary to pay contributions in advance. The total amount will be more than 2000 rubles. in year. A woman has the opportunity to repay the amount monthly or immediately pay it.

How to register with the FSS

To go on maternity leave, you must first collect a package of documents for submission to the FSS:

• passport or other identity card;
• certificate of registration issued by the tax authority;
• OGRN.

With the timely submission of documents, the woman will be registered. In order to continue to receive maternity payments, it is necessary to pay contributions every month, as well as submit reports annually.

Important! It is not necessary for female entrepreneurs to pay contributions to the FIU if they do not continue to engage in professional activities during the decree. The time that a woman gave in the decree will be deducted from the length of service in case of non-payment of contributions to the Pension Fund.

Exact time to go on maternity leave

The final decision in this matter is made by the gynecologist. In order to avoid mistakes in determining the duration of pregnancy, it is necessary, when the first symptoms of their presence occur, to come for an examination to a gynecologist, to register. This action must be performed in order to regularly monitor the course of pregnancy.

In standard cases, a woman has the opportunity to go on maternity leave at the 30th week of pregnancy. If the doctor determines the presence of complications that may adversely affect the birth process, as well as in the case of pregnancy with more than one child, the sick leave is issued a little earlier, at week 28. It is up to the doctor to determine the duration of maternity leave. If there are no complications, leave is granted exactly 70 days before and after delivery. In the presence of complicating factors, the time in most cases increases.

If a woman has taken care of the timely payment of contributions to the FSS, there are no obstacles to the successful execution of maternity benefits. You need to do the following:

1. Apply.
2. Prepare a certificate confirming the fact of registration for pregnancy.
3. Go through the sick leave process.
4. After the birth of a child, apply separately for maternity leave to care for him.
5. Attach a copy of the birth certificate.

Women who are officially married must also provide a certificate from the spouse's place of work.

How to calculate the payout

In order to know in advance the exact amount of payments, it is necessary to perform calculations in advance. To do this, you need to analyze the following factors:

1. Average annual income.
2. Insurance experience.
3. practice in a particular region.
4. in a certain area.

What additional payments are due to women doing business

Some social benefits paid by the state are accrued not only to those who paid contributions to the insurance fund, but to all women. Subject to timely registration at the antenatal clinic (up to 12 months of pregnancy), the woman will be paid a lump sum of 632 rubles.

Payments are also made after the birth of a child. The amount of the allowance is more than 16,000 rubles. The percentage of payments of lump-sum benefits to female entrepreneurs does not differ from unemployed ladies and those who have an employment contract with a company.

If a woman is not pregnant with her first child, there is an opportunity to receive additional financial benefits.

In many cases, various benefits are provided; if necessary, special conditions can be obtained when taking or recalculating a loan.

When a child turns one and a half years old and until they reach 3 years old, a monthly allowance is paid in the amount of 50 rubles. To receive it, you need to submit a package of documents. Many women do not apply for this benefit because of the small amount.

The main and most significant payment is the maternity allowance. Its amount is more than 35,850 rubles. If more than one child is born, complications occur during pregnancy or childbirth, the duration of maternity leave increases, which affects the amount of the benefit.

Parents with many children need to pay attention to regional and federal benefits. To receive them, you must submit an appropriate application if there are suitable programs. To find out if you are in the population that is currently receiving additional benefits, you need to check the availability of appropriate programs in your area.

Is it possible to receive maternity payments if contributions to the Social Insurance Fund have not been paid before?

If the insurance contract was concluded in the same year when registration with the Social Insurance Fund took place, you can hope to receive maternity payments. In this case, you should pay the entire amount for the current year, and in the next one apply for the appointment of payments. This event must be completed no later than six months after the end of the sick leave period.

Work experience: features

When a woman goes on maternity leave, the time spent caring for a child is counted as seniority. In order not to lose these years, you must present a sick leave, which is also necessary for calculating child care benefits. This rule is relevant for all women, with the exception of IP. In order not to interrupt the seniority, a business woman needs to pay a contribution to the Pension Fund during the entire maternity leave. Otherwise, the time spent on maternity leave will not be counted when calculating the pension.

In order to easily receive all payments due by law when going on maternity leave, it is necessary to prepare a package of documents, take care of registering with the Social Insurance Fund and paying contributions in advance, and register in a antenatal clinic in a timely manner. Part of the payment is received by all women, regardless of the fulfillment of certain requirements and employment status. The rest of the benefits can be obtained only if the above rules are met.