Maternity capital is issued by the government of the state to support motherhood and childhood, capital is primarily aimed at improving the quality of life in large families. However, the standard of living with the same income decreases significantly with increasing inflation, and in order to prevent the depreciation of maternity capital, the state provided for its indexation, while the increase in the size of maternity capital is carried out automatically and does not require special treatment from citizens.
What is the indexation of maternity capital
The issuance of maternity capital began in 2008, at that time its size was 250,000 rubles. There will be no indexation of maternity capital in 2019 - the size in 2019 will be 453,026 rubles... Indexation is carried out in order to save certificates from inflation and to give the family a real opportunity to use the subsidy received. The calculation of the new amount of maternity capital is carried out in accordance with the current inflation rate - the higher the inflation rate according to forecasts, the higher the capital indexation coefficient. The amount of the subsidy is set annually by the Ministry of Labor and Social Protection of the Population of the Russian Federation.
Indexation of maternity capital ratios by year is as follows:
- In 2008, maternity capital increased by 10.5%, and its amount amounted to 276,250 rubles (1.105).
- 2009 - by 13%, the amount was 312,162 rubles (1.13).
- 2010 - by 10%, the amount was 343,378 rubles (1.1).
- 2011 - by 6.5%, the amount - 365 698 rubles (1.065).
- 2012 - by 6%, the amount - 387,640 rubles (1.06).
- 2013 - by 5.5%, the amount - 408,960 rubles (1,055).
- 2014 - by 5%, the amount - 429,408 rubles (1.05).
- 2015 - by 5.5%, the amount - 453,026 rubles (1,055).
- 2016 - 0%, amount - 453,026 rubles
- 2017 - 0%, the amount is 453,026 rubles.
- 2018 - 0%, the amount is 453,026 rubles.
- 2019 - 0%, the amount is 453,026 rubles.
At the initial issuance of capital, an amount is put on the certificate that corresponds to the amount of capital for a particular year, which is misleading for many, since it is believed that the amount indicated on the certificate is subject to issuance. Therefore, many certificate holders are in no hurry to start registering maternity capital, waiting for its amount to increase. In fact, the date of issuance of the certificate has absolutely no effect on the indexation of capital, since the sums of money are transferred to the Pension Fund from the budget only after a written application is submitted by the recipient.
So, if the certificate was received in 2010, when the amount of maternity capital was 343,378 rubles, but the family used it only 4 years later, when the maternity capital increased to 429,408 rubles, then it is the last amount of money that family members will be able to use.
A certificate for maternity capital can be obtained immediately after the child is born, and you can use it at any time, if necessary, taking into account the general rules. The figure indicated in the certificate is conditional, it only determines the amount of capital for a certain year and serves as a guideline for calculating the current amount of the subsidy. It should also be borne in mind that with an increase in the size of the maternity capital, there is no need to change the certificate, since once the document received is a sufficient basis for obtaining a subsidy in the legislatively established amounts.
To determine the actual value of maternity capital, certificate holders can contact the Pension Fund branch, whose specialists will name the exact amount.
You can also find out the amount yourself, for example, by visiting the website of the Pension Fund or other official sites.
Often, recipients of maternity capital have a question: what happens to the amount of maternity capital and how its balance is indexed if the subsidy was spent in part, for example, to pay off the balance of the mortgage or urgent needs. The remainder is indexed in the same order as the maternity capital itself.
For example, in 2011, out of the total amount of maternity capital of 365 698 rubles, the family took funds to pay for the child's education in the amount of 120,000 rubles, while the remaining capital was 245 698 rubles:
- Next year, this amount will be indexed and the amount of the remaining capital will be 260,440 rubles.
- In 2013, the capital balance will be indexed again and will amount to 274,764 rubles.
The capital balance will continue to be indexed until the family reuses the subsidy.
The size of the remainder can be calculated independently, for which it is necessary to use the above scheme and calculate the indexation coefficients for previous years, however, these calculations are quite complex and require certain mathematical or economic skills. Therefore, in order to obtain the correct result, it is necessary to seek advice from the specialists of the local branch of the Pension Fund, who, using a special calculator, will calculate the amount of the remaining capital and report the exact amount that the family can use when planning their expenses.
Registration of maternity capital
In accordance with the current legislation of the Russian Federation, the following categories of citizens have the right to receive maternity capital:
- Women who have citizenship of the Russian Federation, who have given birth or adopted a second child, or subsequent children, starting from January 1, 2007.
- Men who have the citizenship of the Russian Federation and are the only adoptive parents of the second or subsequent children. In this case, the decision of the court on the adoption must enter into force starting from January 1, 2007.
- Minor children (in equal shares) or full-time students until they reach twenty-three years of age, upon termination of their right to receive additional measures of state support from a father or adoptive parent, a woman who is the only parent (adoptive parent).
- The father (adoptive parent) of children, regardless of whether he has citizenship of the Russian Federation in cases of termination of his right to receive additional measures of state support from a woman who gave birth (adopted) children, due, for example, deprivation of her parental rights, death, committing in relation child of premeditated crime.
For registration of maternity capital, a package of the following documents should be submitted to the Pension Fund branch at the place of residence, stay or actual residence of the applicant:
- Applicant's passport.
- Application for a certificate of capital.
- Insurance certificate for compulsory pension insurance.
- Court decision on the adoption of children.
- Birth certificates of children.
If one of the parents is not a citizen of Russia, then it is necessary to provide a document that confirms the Russian citizenship of the child (issued by the passport and visa services).
According to the law, copies of documents are handed over to the Pension Fund, and the originals are in the hands of the applicant. If all documents are in order, in a month the applicant receives a certificate of capital (in person or by mail).
Where can you spend maternity capital
It is not possible to use maternity capital immediately after receiving a certificate, but only three years after the birth or adoption of a child, in connection with which the family has the right to receive a state subsidy.
You can use maternity capital only in the following areas:
- Improving the living conditions of the family.
- Getting children education.
- Formation of the funded part of the labor pension of the mother of children.
An exception to the general rule is the situation when maternity capital is channeled to:
- Repayment of the main debt on loans or borrowings that the family has and were taken for the purpose of purchasing or building housing (including mortgage loans).
- Payment of the down payment for a mortgage loan.
- Payment of bank interest for a mortgage loan.
In these cases, there is no need to wait until the child is three years old, the maternity capital can be used immediately after receiving the certificate.
Repayment of a mortgage with the help of maternity capital is the most optimal option for investing family funds, which, as a rule, is used by most Russian families to improve their living conditions (according to statistics, 70%). As in previous years, in 2019 the parents of the child can use both the entire amount of maternity capital and part of it at the same time.
Also, in addition to receiving material assistance from the federal budget, families with children can also count on receiving regional maternity capital, since in each territory of the Russian Federation, material assistance to large families is provided in local budgets.
Usually this is a cash benefit in the amount of 100,000 - 200,000 rubles, which can be used in the same directions as the federal maternity capital.
In a number of constituent entities of the federation, funds from regional maternity capital can be used only for treating a child, buying a car or land; some regions issue land plots or apartments when a second or third child appears in the family.
The government program, which aims to increase the birth rate in the country and thereby somehow stabilize the demographic situation, moving it to the positive pole, was launched 10 years ago.
Russian families who decided on more than one child were entitled to state benefits (maternity capital) tied to the emergence of a new family member.
At the same time, the indexation of maternity capital (in the event of its temporary non-use) was carried out regularly.
The government decided to extend the program (Federal Law No. 433 2015/30/12), since the start-up project has come to an end. The financial support of families with children by the state has borne fruit (the birth rate has increased), although more than half of those eligible for maternity capital have not used it to this day.
The maternity capital is non-cash and is not taxed, the amount of government assistance is subject to adjustment in accordance with inflation.
Receiving it in cash is possible in exceptional cases - only in a fixed amount for all families and upon the issuance of a special government order (Federal Law No. 72 2009/28/04; Order of the Ministry of Health and Social Development No. 245n 2009/15/05; Federal Law No. 88 2015/20/04; Federal Law No. 181 2016/23/06).
Small organized payments were made only four times over the entire period, which was associated with the complication of the economic situation (anti-crisis allowance). One-off payments were made for the current expenses of families and did not require reporting.
All attempts to express maternity capital in cash are regarded as fraudulent actions and are considered in the light of the Criminal Code of Article 159.
Maternity capital, like no other benefit, is tied to Russia (Federal Law No. 256 "On additional measures of state support ..." 2006/29/12 edition 2016/03/07):
- MC can be sold exclusively on the territory of the country;
- the place of birth of the child who initiated the benefit must be Russia;
- citizenship of the parents (or one of the parents) - RF;
- the child's citizenship is the Russian Federation.
The real user right in relation to family (maternity) capital arises from parents no earlier than the child, tied to a targeted government allowance, turns 3 years old (the exception is a mortgage). It is very important that the date of his birth was 2007 and later (but not earlier).
Applicants for family capital (Government Decree No. 873 "On the procedure for issuing a state certificate ..." 2006/30/12) are:
- women who directly gave birth to the 2nd, 3rd, etc. a child or adoptive parents;
- men who, due to circumstances, have become (or are) single and independently adopting the 2nd, 3rd, etc. baby;
- children under 18 themselves, if their parents have died or lost their parental rights;
- a child under 23, if he is studying full-time.
Cancellation of the adoption of the "causal" child entails the cancellation of this state support. The husband's children adopted by the mother from a previous marriage are not considered as grounds for obtaining mother capital, that is, in this case, they are not counted in the “total number”.
If the child died in childbirth, then he does not bring the family the opportunity to use the agreed allowance.
A child who dies a few days after birth can be considered a reason for providing the family / mother with a mother capital (Federal Law No. 241 2010/28/07).
Directions for using maternity benefits
There are not so many options for using funds from the targeted allowance, they are strictly outlined by the state itself:
- purchase of housing for a family (including loans and mortgage payments Federal Law No. 288 2008/25/12);
- housing construction;
- payment for construction work and compensation for monetary expenses associated with construction;
- children's education, including kindergarten (PP No. 648 2014/14/07), post-secondary education, payment for living in a hostel during the period of full-time education;
- the funded part of the future mother's pension;
- technical adaptation of a child with disabilities in the team (Federal Law No. 348 2015/28/11; Federal Law No. 288 2008/25/12) without a 3-year restriction from the moment of birth.
An unpleasant moment is the compensatory essence of almost all options for using MK: first you need to find the funds and pay, keeping the checks and receipts, and then the expenses are reimbursed. This fact becomes a particular problem for parents of disabled people.
Payment for education and preschool maintenance of the child is made by transferring directly from the Pension Fund, bypassing the parent's account, which also creates certain difficulties.
Family capital (certificate) is obtained upon request to the Pension Fund and is regulated by Order of the Ministry of Health and Social Development No. 779n "On the approval of the Rules ..." 2008/26/12 edition 2016/02/06, registration in the Ministry of Justice No. 13066 2009/13/01.
How to get an MK certificate?
Obtaining a capital capital certificate means getting the right to use it, that is, "declare about yourself." This can be done at any time as long as the state program for providing material assistance to children's families is in effect.
To obtain it, you need to contact the district (city) PF or the MFC with the documents:
- passport (s) of the parent (s) to prove identity and citizenship;
- birth certificates of all babies with proof of citizenship;
- statement.
Consideration of an application and issuance of a certificate takes place within a month.
Regional maternity capital
Local material support for children's families is carried out on the basis of regional laws and, as a rule, is aimed at families with 3 or more children (Law of the Moscow Region No. 53/2011-ОЗ 2011/22/04; Regional Law of the Rostov Region No. 727-ЗС 2011/18 / 11; Law of the Republic of Kalmykia No. 324-IV-З 2011/26/12 and others).
An additional condition for obtaining a local MC is the family's residence in the region for a certain number of years.
The regional MK differs from the federal benefit in the amount (from 30 thousand to 350 thousand rubles), the conditions of receipt (some regions assume not a one-time benefit, but for each baby born - Mordovia, Kamchatka) and directions of use.
Ivanovo, for example, does not impose restrictions on the use of capital at all if funds are spent on children and parents for the common good of the family.
Is maternity capital indexed? Is the balance of maternity capital indexed?
The initial MK amount of 250 thousand, established in 2007, has now almost doubled, which is associated with mandatory annual indexing (Federal Law No. 256, Article 6, Clause 2). MK can be implemented both in full and in parts (Federal Law No. 256, Article 7, Clause 3).
When using the allowance, the part of the indexation is subject to the part that remained on the account by the time of the corrective action (Federal Law No. 241 2010/28/07 clause 2; Federal Law No. 256 Article 6 clause 2).
Information on the expenditure of family (maternity) capital and its balance is provided by the Pension Fund annually, if the amount has not been fully spent by the user.
General rules for the indexation of maternity capital in 2016
FZ 256 revision 2016 article 6
To date, the size of the MC has decreased by the amount of lump sum payments - this applies to those families who received them.
Those who were not touched by the payment (or they did not ask for it) can count on the full amount of 453,026 rubles.
This amount was established by the Federal Law No. 384 2014/01/12 for 2015, it has not changed in 2016 and will remain unchanged for the next three years, due to internal economic problems.
It is possible to use state aid in the form of federal maternity capital only (!) Once. It is up to the family to decide when the request will be submitted to the Pension Fund - after the second baby or after the tenth addition to the family. Multiple childbirth assistance is provided only in certain regions, which is regulated by local laws (regional maternity capital).
The family will receive exactly the amount determined by the state at the time of application, and not the one that was at the time when the family had the right to receive maternity capital. In any case, the minimum time delta of 3 years between the right and the actual spend is almost always present.
If the family has spent part of the state allowance, then the indexing of the remainder will take place according to the same rules and laws as the entire capital. That is, by requesting MK at its disposal again, the family will receive the amount adjusted for inflation.
Indexing is carried out once a year in accordance with the inflation rate in the country. The percentage of indexation of MK is negotiated in the federal budget for the year and is drawn up by the corresponding Federal Law. In 2008, indexing was carried out twice, which was associated with a change in budget parameters in the light of deepening inflation and was accompanied by the publication of an additional Federal Law.
When planning the budget for 2017 (at the end of 2016), the decision was announced to leave the MK unchanged until 2018 (it is planned to freeze the state benefit until 2020 for objective reasons). The Ministry of Labor on October 18, 2016 explained the adoption of such a decision by the fact that MK does not belong to the priority or vital payments made every month and necessary for elementary survival.
Maternity capital, being very difficult in actual implementation, was still able to move the demographic situation in the country from a dead center.
Will maternity capital be indexed? Many young families are interested in this question. The answer was voiced back on June 29, 2016 by Prime Minister D. Medvedev - until the end of 2019, the government will not carry out indexation.
At the same time, without any changes, the conditions for obtaining it remain - the birth of a second and subsequent children in the family. In addition, all previously issued and unused certificates do not lose their validity.
State aid amount
State aid to young families is allocated only for citizens who have Russian citizenship. Born children must also have Russian citizenship.
The federal program, which introduced maternity capital, was adopted in 2007. Initially, the amount of state aid was two hundred and fifty thousand rubles. Every year this amount was subject to indexation, that is, it increased by the amount of inflation. The amount was last adjusted back in 2015. In subsequent years, the amount of payments did not change.
The amount of maternity capital in 2019 will remain unchanged at the level 453 026 rubles.
According to government plans, the next indexation is planned only in 2020. According to preliminary calculations, the amount of state aid will be 470,241 rubles. At least this figure appears in the explanatory note drawn up to the draft budget of the Pension Fund for the next year. The very same term of the federal program to support young families will last until the end of 2021.
Payout ratio
Analysis of the data on the change in the size of the mother capital indicated in the issued certificates and the level of annual inflation, allows us to draw the following conclusions:
- during the period of the federal program, the amount of state aid for young families increased from 250 to 453 thousand rubles. In percentage terms, this indicator was 81.2;
- for the same period, the growth of inflationary processes amounted to 139.6 percent, that is, in absolute terms, prices for consumer goods increased by 2.4 times during the period of the program;
- if we subtract the growth rate of maternal capital from the inflation rate (in figures it looks like this: 139.6 - 81.2) / 139.6 = 41.8%), we have to state that the maternity capital funds issued now have fallen in value by half.
From the above data, the conclusion follows: the purchasing power of the certificate, in the amounts that were listed in it for 2007 (and this is 250 thousand) and which are indicated now - is equal to the amount of only 145.5 thousand rubles.
Directions of expenditure of mother capital
In 2019, as in previous years, maternity capital funds can be used for the following purposes:
Improvement of living conditions, which includes:
- making transactions in the secondary real estate market for the acquisition of a separate apartment, an individual residential building, a separate room;
- making the allocated funds to pay off a residential mortgage, another loan, which was issued for the purpose of acquiring residential real estate;
- an increase in living space due to its repair or reconstruction of existing housing;
- compensation for a completed residential building;
- purchase of housing by participating in shared construction or joining a housing construction cooperative.
Children education. For these purposes, maternity capital funds can be used, partially sending them for payment:
- the child's residence in a hostel belonging to an educational institution;
- services provided by an educational institution in the learning process;
- keeping a child in a kindergarten.
Investing in mom's funded pension.
This way of spending state support funds is possible only after the child reaches three years of age. Funds can be used both partially and in full.
Social adaptation of disabled children. The possibility of such use of funds became available in 2017, after amendments to the legislation. To do this, it is necessary to enlist an individual rehabilitation program, which is being developed by institutions conducting medical and sanitary examinations.
Some nuances
Recipients of maternity capital should be aware that:
- The Young Family Certificate is issued once;
- The annual indexation of the amount of the allocated amount indicated in the certificate does not entail its automatic replacement if the family did not manage to use it;
- Obtaining a certificate is possible at any time after the fact of birth (adoption, adoption) of the second and subsequent children is confirmed. That is, it is impossible to miss the deadline for receiving state aid;
- As a general rule, the disposal of maternity capital funds is possible after the child reaches the age of three. However, the law allows in some cases to do this much earlier;
- Funds allocated to the family as maternity capital are not subject to personal income tax;
- The state does not allocate mother capital not to a specific child, with the birth of which the family has such a right, but entirely to this family;
- Only the family member in whose name it was issued can present the certificate for payment. In this case, the holder of this security must present documents that prove his identity;
- Early termination of the certificate is possible:
- upon death of the person in whose name it was issued;
- the owner of the certificate has lost the right to further government support.
The fact of losing the certificate does not entail the loss of the right to support from the state. In this case, it is possible to obtain a duplicate of the document by submitting a written application to the same department of the pension fund where its original was received.
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The federal program "Maternity Capital" is a significant aid to families with two or more children. This material support program has been operating since 2007. Its goal is to improve the demographic situation in the country, stimulate the birth rate and support the well-being of families with children. The original payments were recalculated annually taking into account the inflation index. Since no recalculation was carried out in 2016-2018, potential program participants are interested in whether it is planned to index maternity capital in 2019.
What is maternity capital
Subsidy indexing after obtaining the certificate
For many program participants, the question is whether maternity capital is indexed if the certificate has already been received.
Usually, the document indicates the amount corresponding to the amount of capital in a particular year. Some believe that it is these funds that are to be issued, therefore, they delay the procedure for registering the capital capital, awaiting the indexation of the specified amount.
The numbers in the certificate are conditional. They serve as a starting point for calculating the amount payable. The time of issue of the document also does not affect the indexation, since budget money is received by the Pension Fund only after the submission of the corresponding application.
To understand how maternity capital is indexed after receiving a certificate, you can use the following example. Suppose the document was received in 2009, when the amount of the benefit was 312,162 rubles, but the family decided to use the allocated funds only 4 years later. In this case, they could count on the amount of 408,960 rubles.
You can receive a certificate immediately after the birth of a child, and use the money with all the additions in the form of investment income - when the need arises.
Indexation of the remainder of the capital
No less important is another aspect of the issue of indexation of funds under consideration: what happens to the remainder of the subsidy, if some of it was spent on solving urgent problems. Is this balance indexed and how can you calculate the amount that can be used later?
Regardless of whether we are talking about a subsidy in whole or about a part of the funds remaining from the total amount, if the maternity capital is not used, it is indexed.
For example, the total amount in 2009 was 312,162 rubles, of which the parents spent 112,000 rubles on the education of the child.
The balance of 200,162 rubles, indexed in 2010, amounted to 220,178 rubles. In the event of another partial request for money, the same procedure could be applied in subsequent years until the full use of the funds.
It is legally established that the use of maternity capital funds is possible only in non-cash form and only after the child reaches three years of age. At the same time, the laws "On a lump sum payment from maternity (family) capital", adopted in 2015-2016, made it possible to cash out part of the funds in the amount of 20,000 and 25,000 rubles, respectively.
Previously, such an opportunity was provided to the owners of maternity capital in 2009 and 2010. Then families with children could receive 12,000 rubles in cash and not report to the state for their use. 
The balance of the amount on the account of the owner of the capital is subject to indexation in accordance with the inflation rates adopted for each year.
Only those who have unused funds on their account can receive the amounts allowed for withdrawal. Thus, to the question of whether the maternity capital is fully used, whether it is possible to get 20,000 or 25,000 rubles, the legislation contains a negative answer.
If the amount left on the account is less than the one that is allowed to cash out, it can be withdrawn in cash.
Summary
Maternity capital in the Russian Federation is a solid help for a family. However, inflationary processes, as well as the peculiarities of obtaining and using these funds, can devalue the initially large subsidy appointed by the state.
The annual indexation of the amounts intended for payments allows minimizing losses and preserving the purchasing power of funds aimed at improving the well-being and maintaining a decent standard of living for families with children.
Maternity capital in 2019: Video
Lawyer. Member of the St. Petersburg Bar Association. Work experience over 10 years. Graduated from St. Petersburg State University. I specialize in the field of civil, family, housing, land law.
In 2018, the amount of state support for the birth of 2 children (or subsequent children) is 453,026 rubles. In the coming year, it will definitely not increase, but the question arises whether the balance of maternity capital, which has not yet been used in recent years, is indexed. A detailed answer to it and examples of calculations are presented below.
For the first time, state support, which is provided in connection with the birth of a second child (or any of the subsequent children), was provided in 2007. Since then, indexation (i.e., a constant increase taking into account real inflation) has been carried out annually until 2015. However, in 2016, 2017 and 2018 the amount remains the same - just over 453,000 rubles.
Wherein the support program has been extended until at least the end of 2021, about which federal law No. 432 was signed.
But it is not yet known for certain whether the amount will increase taking into account the real rise in prices. Thus, the state guarantees only the fact that the conditions for issuing maternity capital and its current amount will be valid for another 4 years, but whether it is indexed is still unclear.
However, according to preliminary estimates, we can say that there is a high probability that the amount will increase from the beginning of 2020. The corresponding statement was made by the Prime Minister of the Russian Federation D. Medvedev in June 2017.
If we talk about the percentage of the increase in the amount over the entire existence of the state program, on average it is about 5-6%. There were tangible increases in the period 2008-2011, after which the rate of indexation decreased significantly. At the moment, they are at all 0%.
Expert opinion
Salomatov Sergey
Real Estate Expert
The table shows only nominal capital amounts, excluding the market situation, which changed significantly during the period 2007-2018. We are talking about general trends (crisis phenomena in the economy, inflation, macroeconomic instability), and trends in specific regions (significant differences in prices for apartments, building materials, education in universities, etc.). There is evidence that in real terms, state support has depreciated by at least 10%. Thus, today the adequate amount should be about 500,000 rubles.
Remnant indexing
The law provides that it is possible to use state support funds only after the child for whom the money was given turns at least 3 years old. And if the parents die, are recognized as missing or have been deprived of parental rights, then the right to use the money passes to the child himself. But he can use it no earlier than the onset of majority - 18 years.
However, there are two exceptions to this rule, which are associated with obtaining a mortgage loan. You can immediately use capital funds for:
- making an initial payment;
- payment of an existing mortgage loan: principal and bank interest.
Thus, three situations are possible:
- The family received the right to capital, but must wait until the child is three years old.
- The family received the funds and immediately began spending them on the mortgage.
- The family received funds, the child is already 3 years old, but so far this money is in the account and is not being spent.
In any case, if we talk about whether maternity capital is indexed, the answer will be yes for all the situations considered. However, taking into account the current economic situation, this is relevant only for those families who received the right to capital no earlier than 2014, inclusive, since no increase is envisaged from 2015 to the present day (and possibly until 2021).
Expert opinion
Salomatov Sergey
Real Estate Expert
The second child was born on December 31, 2014. The family is entitled to the payment of state support funds in the amount of 429,408.5 rubles. However, the very next day, January 1, 2015, the amount should increase to 453,026 rubles. Accordingly, in this case, the question of whether maternity capital is indexed has an unambiguous positive answer.
Expert opinion
Ozerova Marina
Lawyer, specialization hereditary, family, housing
The second child is born on January 1, 2015 (or any day after that date). Accordingly, parents receive a little more than 453 thousand rubles. So far, they cannot count on an increase in the amount. But maybe after 2019 the size will really increase.
At the same time, it is important to understand that if, for example, the second child was born in 2008, but the family never sold the funds (or partially sold them), but the entire amount (or its remainder) is indexed to the values of today day.
Indexation in case of receiving lump sum payments
Families were eligible for lump sum payments four times over the lifetime of the program.