Maternity capital for a second child in 2021: amount, registration, necessary documents

What federal payments and benefits can you get for your third child?

At the birth of a third child in the family, parents have the right to the same payments and benefits as for previous children. In particular, these include:

maternity benefits;
one-time payment for early pregnancy registration;
lump sum payment at birth;
child care allowance up to 1.5 years;
maternity capital (if the parents did not register it for their second child);
Putin's payments from 3 to 7 years inclusive - for low-income people.

In addition, at the federal level, the following benefits are also provided for families with three children:

repayment of part of the mortgage debt in the amount of 450,000 rubles from the federal budget;
perpetual preferential mortgage rate 6%;
benefits for paying property and land taxes;
increased standard tax deductions for the third and subsequent children (summed with deductions for previous children);
accounting for parental leave in the pension period;
early retirement at age 57.

Later in the article we will look at them in more detail.

What is maternity capital?

In recent decades, the number of newborns in Russia has been gradually decreasing.
More and more families are postponing having children until they achieve any material assets, be it an apartment, a high income or a car. And some decide not to have them at all, because they are not sure whether they can provide them with everything they need. The state decided to take control of this issue and developed a number of measures to support families with children. In 2022, maternity capital for 2 children will be increased , which will allow parents not to worry about not having enough funds to provide for them.

Maternity capital was created to improve the demographic situation in the country, and especially in regions with low birth rates. It should also help improve the quality of life of families with children.

Maternity benefit for the third child

Maternity benefits are paid exclusively to the mother of the baby . It was specially designed to compensate women for lost earnings, because in the late stages of pregnancy it is already difficult, and sometimes impossible, to work.

In addition, after giving birth, the mother needs time to recover and care for the newborn.

Payments are due to women:

officially employed;
full-time students (both on a budgetary and commercial basis);
serving in law enforcement agencies or in military service under a contract.

As for unemployed women, this benefit is given only to those who were fired due to the liquidation of the organization. But only on the condition that they managed to register as unemployed at the employment center within 1 year after their dismissal.

Maternity benefits are paid to these categories and when adopting a child under three months old. Maternity benefits are paid immediately for the prenatal and postnatal periods in full .

The amount of benefit for each woman is calculated individually.

For workers, the benefit is assigned in the amount of 100% of the average daily earnings for the 2 years preceding the sick leave.

The duration of leave depends on the duration of sick leave for pregnancy and childbirth. In a normal situation, the doctor will issue it for 140 days . If the birth takes place with complications or ahead of schedule, then by 156 days . And if a woman gives birth to twins (triplets, etc.), then paid sick leave will last 194 days .

To calculate the average daily earnings, you need to add up the entire official salary of the maternity leaver for the 2 years preceding the year of maternity leave. Divide the resulting amount by the number of days in past years - usually by 730 or 731 if there was a leap year. However, sick days and previous maternity leave days are not taken into account.

If the current maternity benefit is insignificant due to earlier maternity leave, the earlier years can be used to calculate the new benefit. But only on the condition that the amount of benefits increases from this.

When a woman works part-time for two or more employers for two years, she can receive maternity benefits for all places of work.

If a woman’s work experience is less than 6 months or her average earnings for the billing period are less than the minimum wage (minimum wage) established on the date of maternity leave, benefits are calculated based on the minimum wage.

From January 1, 2021, the minimum wage is 12,130 rubles. Accordingly, the minimum amount of maternity benefits in 2021:

for workers - 55,830.60 rubles. ;
for persons who voluntarily insure themselves with the Social Insurance Fund (individual entrepreneurs, lawyers, notaries, etc.) - RUB 54,780.60.

The amount of the minimum benefit may further decrease. For example, if a woman does not fully use maternity leave or has adopted a newborn.

In addition, the law establishes the maximum amount of maternity benefits. In 2021 it is:

for standard maternity leave - 322,191.80 rubles ;
for complicated childbirth - 359,013.72 rubles ;
for multiple pregnancy - 446,465.78 rubles .

Maternity benefits for students, employees and the unemployed are calculated differently.

Students will receive the full amount of the scholarship, and employees will receive the full amount of money in proportion to the length of maternity leave.

The unemployed are paid benefits in a specific amount, which is indexed annually on February 1. In 2021, it amounted to 675.15 rubles per month.

To assign benefits, a woman applies for a sick leave certificate to a doctor. It will indicate the date of maternity leave and its planned duration. This sick leave must be taken to the accounting department for work/study/service, and for the unemployed - to social security, where they fill out the appropriate application.

Benefits for women registered in the early stages of pregnancy

To ensure that pregnant women begin seeing doctors on time, the state has approved a special one-time payment - a benefit for women who register with a medical organization in the early stages of pregnancy.

The following are entitled to it:

women working under an employment contract;
unemployed women laid off due to liquidation;
those who have ceased to operate as individual entrepreneurs;
full-time students;
employees in law enforcement agencies or in the army under contract.

To receive benefits, you must register for pregnancy before 12 obstetric weeks .

The lump sum benefit is assigned and paid at the place of assignment and payment of maternity benefits. Accordingly, you must apply for benefits at your place of work, study, service or social protection authorities.

The basis for the appointment is a certificate from the antenatal clinic or other medical organization that registered the woman for pregnancy in the early stages.

This benefit is assigned and paid simultaneously with maternity benefits. That is, this certificate is issued together with sick leave for pregnancy and childbirth.

If the certificate is submitted later, the benefit will be assigned and paid no later than 10 days from the date of registration of this certificate.

Unemployed women are granted benefits no later than 10 days from the date of registration of the application with all the necessary documents. Social security authorities pay benefits by mail or to the woman’s personal account (personal card) no later than the 26th day of the month following the month of registration of the application with all the necessary documents.

The amount of the benefit for registration in the early stages of pregnancy in 2021 is 675.15 rubles.

The benefit is indexed annually along with other social payments.

Allowance for caring for a third child up to 1.5 years old

A benefit for a third child can be applied for by either the mother or another relative (father, grandmother, aunt, etc.) who is actually caring for him.

Benefits for working citizens are paid only when taking parental leave.

At the same time, the person caring for the child can continue to work only part- time or at home (i.e., remotely).

For workers, this benefit is provided monthly in the amount of 40% of the employee’s average salary for the 2 previous calendar years of work .

At the same time, there is a legal minimum that will be assigned to the employee if his salary was below the established minimum value. Also, the minimum amount of benefits will be received by:

unemployed persons;
IP;
those engaged in private practice (lawyers, notaries, etc.).

From June 1, 2021, the minimum allowance for caring for a third child under 1.5 years old is 6,752 rubles. It is the same for all of the above categories of citizens.

If a person takes care of two or more children under the age of 1.5 years, then the benefits for each of them are summed up . But in the end, the benefit should not exceed 100% of average earnings (for officially employed people).

The maximum amount of benefits for caring for the 3rd child in 2021 for officially employed people who are on parental leave is RUB 27,984.66 . For other recipients, the maximum payment amount is RUB 13,504.00.

How to register maternity capital?

To register maternity capital, you need to obtain a certificate - a document that confirms your right to receive it.
Now it can be obtained not only in paper, but also in electronic form. From April 15, 2021, the certificate is issued automatically without submitting an application . It is available in your personal account on the State Services website from the moment your child is born. If it does not appear there, then you must submit an application online.

When the certificate is ready, it will appear in your personal account in electronic form. You can also find out on the government services website what maternity capital is for a second child in 2022.

After confirming the right to maternity capital, you can choose one or more goals for its implementation. Each method has its own conditions that are worth studying in advance.

So, if you want to use the funds as a down payment, you can do this immediately after the birth or adoption of children. And if you buy an apartment without a mortgage, then you need to wait until the children are 3 years old.

After choosing a goal, you need to fill out an application for disposal of maternity capital . Prepare the necessary documents and wait for a call to submit them to the appropriate institution. The application is considered for about a month, after which the money is transferred to its destination within five working days.

One-time payment upon birth of a child

The baby who is the third born in the family has the right to receive a one-time birth benefit. This benefit is paid in Russia for each child , excluding :

family income;
birth order of children;
social status of the family.

When two or more children are born in a family, a woman becomes entitled to this payment. Payment is also due if the baby was born alive but died immediately after birth.

From February 1, 2021, the lump sum benefit for the birth of a child is RUB 18,004.12. This amount is the same for all categories of citizens, regardless of the fact of employment.

Like other benefits, the lump sum payment is indexed annually in accordance with the actual level of inflation.

One of the child’s parents (guardian/adoptive parent/adoptive parent) can apply for benefits at their place of work (service - for military personnel) or to the social security authority (if both parents do not work and do not pay contributions to the Social Insurance Fund).

Conditions of receipt

To receive maternity capital for a 2nd child, a family must meet certain criteria. The main ones are:

Availability of Russian citizenship for each family member.
The second child is due between 2007 and 2021.
In the past, the mother issued a certificate for her first-born child or did not issue it at all.
The mother is not deprived of parental rights to the children and has not committed any illegal acts against them.

Read detailed material about the conditions for obtaining maternity capital.

Money is relied on both for children who are related by blood to the woman, and for adopted children. If the mother is deprived of parental rights or died, then the father can become the recipient of the MSC. To complete the document, you will need to provide a death certificate or a court decision on deprivation of rights.

In the event of the death or deprivation of the rights of both parents, adult children will be able to claim maternity capital on their own. The amount is to be divided between them in equal parts.

To obtain maternity capital for adopted children, you should carefully consider the adoption procedure. Such children should have the official status of orphans whose parents have died or been deprived of their rights in accordance with a court decision.

Federal maternity capital for the third child

In general, maternity capital under the federal program is not provided for the third child. It is issued only for the first and second child.

Briefly about increased maternity capital

From 2021, families with two or more children can receive maternity capital in the amount of RUB 616,617.

Basic conditions for additional payment:

If the first child was born before 2021, and the second in 2020 and later, maternity capital is provided only for the second, but increased: 616,617 RUR.
If the first child was born in 2021, they give 466,617 RUR for him, and then they pay an additional 150,000 RUR for the second. In total, for two children - 616,617 RUR.
If the first and second child were born before 2021, the first child is not entitled to maternity capital, the second - 466,617 RUR. Provided that before 2020 the maternity capital has not yet been used for the second child.
If before 2021 there was no right to maternity capital at all, and in 2020 or later a third child was born, the maternity capital for him will be 616,617 RUR. The same applies to subsequent children.
If the right to maternity capital arose before 2021, but the family did not use it, then at the birth of a third or subsequent child in 2020, maternity capital can be received in the usual amount: RUB 466,617.
If a family has received the right and used maternity capital before 2020, there will be no additional payments - even for the birth of subsequent children.

Tell those who were waiting:

Regional benefits and benefits for the third child

There are also regional benefits:

regional maternity capital (issued in addition to federal);
free plot of land (in some regions, instead of land, large families are entitled to monetary compensation );
monthly benefit up to 3 years of age (recommended by Decree of the President of the Russian Federation dated May 7, 2012 No. 606);
tax benefits;
priority admission of children to kindergarten;
free meals for schoolchildren and students of colleges, technical schools, schools;
free clubs and sections;
free school and sports uniforms for the entire period of study at school;
free medicines for children under 6 years old according to doctor's prescriptions;
free travel on public transport;
the opportunity to receive a voucher for health improvement;
free entry to museums, exhibitions, parks 1 day per month;
discount on utility bills - no less 30%;
preferential loans, subsidies, interest-free loans for housing construction and the purchase of building materials;
priority allocation of garden plots;
employment of parents with many children, taking into account their needs and capabilities.

If parents with many children want to organize a farm, they can count on:

allocation of land for these purposes;
land tax benefits;
financial assistance or interest-free loans to reimburse the costs of running such a household.

If parents with many children want to implement another small business option, they are entitled to:

rent benefits;
full and partial exemption from paying registration fees for entrepreneurs.

1.5 million for the third child

Many families in which a third child was born are interested: will the state pay 1,500,000 rubles for him? Answer: no , it won't. Russian legislation does not provide for .

This question arises due to the fact that earlier draft law No. 571638-6 “On Amendments to the Federal Law “On Additional Measures of State Support for Families with Children” was submitted to the State Duma. He proposed to issue maternity capital only for the third child, but in the amount of 1.5 million rubles.

However, this bill was rejected back in 2015, and the maternity capital program was first extended for second children, and then expanded not to third children, but to first children born in 2021.

Required amount and terms of funds transfer

For the first-born child born last year, the certificate amount will be 483,882 rubles. If both babies were born after the beginning of last year and the parents have not yet received money for the first child, then the amount of maternity capital in this case will be 693,432 rubles.

The amount of additional payment for the second child born after the beginning of 2021 has also increased, if the mother has already signed up for maternity capital for her first child. The additional payment will be 155,550 rubles. The amounts of maternity capital remaining in the accounts of certificate owners after partial expenditure will also be indexed.

Receiving the certificate will not take more than 5 working days. The time frame for reviewing applications to spend money has also decreased. Now the procedure takes up to 10 working days. In some cases, the review period may increase to 15-20 days. Such intervals are allocated for interdepartmental requests and collection of missing documentation.

Have you already received maternity capital for your first child?

Yes

49.23%

50.77%

Votes: 65

Allowance for a third child under 3 years of age

In accordance with Decree of the President of the Russian Federation dated May 7, 2012 No. 606 “On measures to implement the demographic policy of the Russian Federation,” an allowance is provided for the third child until he reaches 3 years of age.

This payment is not federal, but is only recommended for establishment in the regions. However, in constituent entities of the Russian Federation with a low birth rate (where on average there are less than two children per woman of reproductive age), this payment is co-financed from the federal budget.

The size of the benefit and the frequency of its payment are established by regional legislation. For 2021, 75 regions can participate in this program .

How can you manage your maternity capital?

The directions for spending money under the state program are established by Part 3 of Article 7 of the Federal Law of the Russian Federation No. 256. In accordance with this legislation, the certificate can be used for the following purposes:

Improving living conditions.
Paying for children's education.
Mother's funded pension.
Receiving a monthly allowance for the 2nd child (for low-income families).
Reimbursement of costs when paying for goods and services for a child with a disability.

The main direction of spending money under the state program is to improve living conditions. The authorities allow you not only to buy housing (private house, apartment and even a room), but also to spend money on building a house or reconstructing it to increase its area.

In most cases, spending maternity capital is allowed after the baby turns 3 years old. But the family can dispose of the maternity capital before the deadline (more details in this article). This is permitted in the following cases:

To pay the down payment on a mortgage or home loan.
To reduce the balance of the principal debt and/or pay interest on it (for mortgage loans).
To pay for preschool education services (clubs, kindergarten).
To reimburse the costs of paying for goods and services that allow a child with a disability to adapt to society.
When making monthly payments for a child under 3 years old.

The authorities have simplified the procedure for spending money under the state program. Now, in order to spend them on the purchase or construction of a residential property, it is enough to submit the corresponding application to the bank where the mortgage (targeted) loan is issued.

Regional lump sum benefit for the birth of a third child

In a number of regions, upon the birth of a third child, the family is entitled to a lump sum payment. The decision to assign such benefits to families is made based on financial capabilities and priority areas for the development of the region. Payment amounts vary in different regions of the Russian Federation.

The conditions for receiving this benefit are:

financial well-being of the family;
family composition;
the age of the woman who gave birth (for example, up to 30 years).
This benefit is aimed at stimulating the birth rate in certain regions, reducing the number of abortions and maximizing the reproductive potential of women of childbearing age.