The birth of a second child is a joyful event, but the arrival of a new family member is always associated with significant expenses, because you need to buy clothes, food, hygiene items and furniture for the baby. To support young parents, the state provides financial assistance by paying a number of benefits - their amount increases annually and traditionally turns out to be higher than at the birth of the first child. What payments can you expect in 2021?
What kind of payments are there?
Benefits for 2 children are divided into one-time and monthly.
One-time benefits:
- for registration at the antenatal clinic (LC) before 12 weeks of pregnancy;
- for pregnancy and childbirth (B&C);
- at the birth of a child;
- maternal capital.
Monthly payments:
- up to 1.5 years;
- until 3;
- before 18;
- and benefits for up to 1.5 years to low-income families from maternity capital.
Let's take a closer look.
"Gromovsky" maternity capital
During his tenure as governor of the Moscow region, B.V. Gromov, a project was developed and implemented that allows residents of the agglomeration to take advantage of the right to additional material support in the form of maternity capital.
Features of the subsidy:
- Provided only for the birth of a second or subsequent child whose birth falls between the beginning of 2011 and the end of 2021;
- Spending of funds is possible only after the pupil reaches the age threshold of 3 years;
- The sale of capital occurs in non-cash form and in two established directions:
- Improving family living conditions;
- Child's education.
One-time
One-time benefits are paid once, some before the birth, for example, the benefit for registration in the housing complex and the M&R benefit, and some only after the child is born, for example, payment at the birth of the child and maternity capital.
One-time payment for those registered in the early stages of pregnancy
A woman who registered with a housing complex in the first trimester can receive a one-time benefit. In 2021, it is 655 rubles and its amount is the same for everyone and does not depend on which child is expected.
Most often, a pregnant woman issues this payment simultaneously with the payment under the BiR. In order to receive benefits, you need to provide the following documents to your employer or the Social Insurance Fund:
- certificate of incapacity for work;
- passport;
- statement.
One-time maternity benefit
The one-time allowance for BiR does not depend on the order of birth of children. Its amount is calculated on the basis of the minimum wage and the duration of the leave according to the BiR.
The benefit is granted only to employed women starting from the 30th week of pregnancy or from the 28th week if the expectant mother is expecting more than one child.
We talked in more detail about how to calculate benefits in the previous article about benefits for the first child. With the second child, the calculation algorithm is the same.
Important point: If a woman gave birth to her first child and received payments for him until 1.5 years, and then went on maternity leave after giving birth to her second child, she cannot immediately receive benefits under the BiR. You will have to choose one more profitable payment, since paying two is illegal. If a woman chooses a BiR benefit for her second child, then it is first paid to her, and only then, after the end of her BiR leave, the employer can resume payments to her for the first child up to 1.5 years old.
By the way, this is why it often happens that a benefit for up to 1.5 years is taken out by one of the relatives, for example, a grandmother, and the mother receives a benefit under the BiR.
It may not be entirely honest, but it is an absolutely legal way to receive all benefits at the same time.
One-time benefit for the birth of a child
After the child is born, the family is entitled to another benefit - a lump sum at birth. Its amount is fixed; in 2021, families are paid 17,479 rubles.
The payment is provided to both employed and unemployed people. The former apply for it to the accounting department at their place of work, the latter to social security.
Registration of benefits proceeds in the same way as in the case of the first child.
Monthly benefits
Monthly payments are calculated identically to the same benefits for 1 child. Only the amount of benefit up to 1.5 years for the second child will be higher.
Care allowance up to 1.5 years
Benefits for up to 1.5 years are provided to both employed and unemployed people. Only the calculation principle and the total amount of payments due to them differ.
By the way, this is one of the few benefits, the amount of which depends on what kind of child is born: the first or second.
For the second and subsequent children, the state pays a benefit equal to 40% of the average salary for 2 years - for workers or equal to the minimum requirement - for the unemployed.
- The minimum benefit value established for 2021 is 6,554 rubles.
- The maximum monthly benefit is 26,152 rubles.
- Unemployed people and students are paid a minimum allowance of 6,554 rubles.
For workers, a detailed example of calculating benefits can be found in the corresponding section of our article about payments for the first child.
Payment must be made no later than 6 months after the child turns 1.5 years old. They submit documents for benefits either to social security, if the parents are unemployed or students, or to the accounting department at the place of work, if they are employed.
The documents are reviewed within 10 days, and then a benefit is assigned, which will begin to be paid no later than the 26th of the next month. The benefit can be applied for by any family member who is going to care for a child.
Child care allowance up to 3 years old
There is practically no benefit as such. There is only a small compensation for the mother's absence from work. The monthly compensation is only 50 rubles, since it has not been indexed since its inception in 1994. You need to apply for payment to the accounting department at your place of work, or to the MFC.
Payment for a second child up to 1.5 years old for low-income people
Since 2021, it has become possible to receive part of the money from the mother’s certificate in cash.
The so-called Putin payments involve monthly payments to low-income families for a child under 1.5 years old from maternity capital.
A state-issued certificate may not always be usefully used. For example, you can contribute the amount of maternity capital as a down payment on a mortgage, but the family will not be able to continue paying the loan monthly. Perhaps the family simply does not need any of the targeted areas to spend the money under the certificate, but they would not mind monthly payments in “real” money to provide for the child’s immediate needs: buy diapers, clothes, food.
Payments from maternity capital for up to 1.5 years solve these problems.
An important difference: for the poor, for the first child, the same payments for up to 1.5 years are assigned in social security and paid from social insurance funds; for the second child, payments are issued in the pension fund.
The conditions for receiving payment are the same:
- the child must be born after January 1, 2021;
- the family must be low-income, that is, the average per capita income per person in the family should not be more than 1.5 times the subsistence level in the region. The basis is the subsistence level of the working population.
Let's explain with an example:
Olga receives 25,000 rubles a month, her husband Vladimir receives 32,000 rubles a month, they had a second child and there are four of them in the family.
Let's calculate the average per capita income: you need to multiply the monthly income of the spouses by 12 months, and then divide the resulting value by 12 and then divide again by the number of family members.
25,000*12+ 32,000*12/12/4=14,250 rubles—average per capita value.
The family lives in Tyumen, where the cost of living of the working-age population in 2021 is 11,528 rubles.
One and a half living wages are equal to 17,292 rubles.
14250 is less than 17292, which means that the family is considered low-income and has the right to receive a monthly allowance from maternity capital.
You can view the current cost of living for your region on the EMISS website or find it out at the social security office or MFC.
The benefit can only be paid for up to 1.5 years and, of course, the entire amount under the certificate cannot be transferred during this time.
Returning to our example. For the second child, the family of Olga and Vladimir will be paid a monthly amount equal to the cost of living per child in the city of Tyumen, which is equal to 11,168 rubles in 2021. For 1.5 years, only 201,024 rubles will be paid - this is half of the maternity capital funds.
Accordingly, the question arises, what will happen to the remaining unused money. It's simple. The remainder can be used for any permitted purposes, for example, paying off a mortgage or putting money into the funded part of your mother’s pension.
Additional subsidies and benefits
In addition to basic benefits, families in which a second child was born are entitled to a number of subsidies and additional payments.
Payments and benefits for single mothers
Single mothers cannot count on any separate federal payments and benefits. They are entitled to the same benefits for 2 children as full families.
But regional authorities can, at their discretion, assign subsidies, benefits and payments to single mothers.
For example, benefits for the purchase of food, medicine, school supplies for single mothers or payment of utility bills are common in many regions.
To apply for benefits, a woman must confirm her status with a special certificate in form No. 25, which is issued at the registry office.
Benefits and benefits for a disabled child
Benefits for a disabled child do not depend on how he was born; the amounts will be the same for 1 and 2 children. We talked more about payments for a disabled child in our article about payments for the first child.
Regional and gubernatorial payments
In most regions, families with a second child are assigned a local regional benefit.
Information about benefits and benefits can be found at the MFC or social security, as well as on the State Services website.
To receive the benefit, parents applying for it must meet the following requirements:
- registration and residence in the region;
- age up to 30 years.
These are typical conditions, but in some regions they change or are supplemented.
The timing of payments, amounts and conditions for receipt are determined by local authorities. For example, they can assign benefits only to low-income or single-parent families.
In Moscow, for 2 children, regional authorities pay an additional 7 subsistence minimums per capita - 112,609 rubles.
But in the Ulyanovsk region there is the so-called Personal Capital “Family”. For the birth of a second child, parents are entitled to 50,000 rubles.
In some regions, for example, Novosibirsk, Amur Region, additional payments are assigned only at the birth or adoption of 3 or subsequent children.
Who is entitled to Moscow benefits for the birth of 2 babies in 2021
To receive benefits from the Moscow region, citizens must have permanent registration in the capital. Visiting persons registered temporarily for study or who have entered into an employment contract at work do not have the right to apply for financial support from the city of Moscow.
Some benefits are only available to mothers. Other types can be counted on by fathers and sometimes other relatives. The benefit is allocated to only one person. This means that if money is paid, for example, to the father of a child, then the mother loses the right to receive it.
The benefit can be issued not only to those parents who have a baby. This assistance fully applies to persons who have adopted 2 children.
Who pays benefits and what documents are needed
Parents can find out complete information about all benefits provided on the State Services website, at the MFC and at social security. Here you will also be given reminders with a complete list of documents required for registration of benefits. For maternity capital you need to contact the Pension Fund.
To apply for benefits, you need to prepare a standard package of documents, which will include:
- parents' passports;
- children's birth certificates;
- Marriage certificate;
- work books;
- income certificate in form 2-NDFL;
- certificate of cohabitation with the child;
- a document confirming the adoption of the child, if necessary;
- document confirming that the parent is studying at a university, if necessary.
Documents submitted to social security are reviewed within 10 days, after which benefits are assigned and paid no later than the 26th of the next month.
If the documents were submitted to the accounting department at the place of work, then they are also reviewed within 10 days and the benefit is paid along with the next salary.
Benefit money is transferred to the recipient’s card or current account, depending on the details he provided in the application.
Documents submitted to the pension fund for registration of maternity capital are reviewed within a month, after which a letter notification of the readiness of the certificate is received by mail.
How to challenge a refusal
If money does not arrive in the parent’s bank account for a long time, then the benefit was either refused or the payment did not go through due to technical reasons.
To find out how to receive gubernatorial payments, you should first call the specialist who accepted the documents and find out who the executor is on your application. And find out the true reason for the lack of funds from the relevant official.
If the reason is a technical/organizational problem, then ask that your issue be put under control.
If it was a refusal, request a written decision on the refusal. This refusal must be carefully studied. If the decision is unlawful, it should be appealed in court.
Remember
- The list of benefits for the second child is the same as for the first, with the exception of maternity capital.
- All benefits, except for benefits up to 1.5 years, have the same values or are calculated in the same way as for the first child.
- The minimum benefit value for up to 1.5 years for 2 children is 6554 rubles.
- Low-income families can receive payments for a child up to 1.5 years old from maternity capital funds. They need to be registered with the pension fund.
- Families with a second child born after January 1, 2021 can apply for preferential mortgage loans at 6% per annum.
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