Identify the payment
Ordinary sick pay differs from an occupational-injury benefit or a child-related payment.
Protected amounts remain
The subsistence minimum and proven essential expenses are considered separately.
Documents decide
SFR records and a bank statement establish the source and period.
Payment categories
| Payment | General approach | Evidence |
|---|---|---|
| Ordinary temporary-disability benefit | Income without complete automatic immunity | Electronic certificate, SFR statement, bank record |
| Occupational-injury payment | May fall within a specially protected category | Accident documents and payment purpose |
| Benefit for caring for a sick child | Temporary-disability pay; caring for a child alone does not create full immunity | Article 5 of Law No. 255-FZ, period and recipient |
| Compensation for health damage | Subject to a separate statutory protection | Award or appointment decision |
Why access may be delayed
During asset realization the financial administrator controls the estate. A bank credit does not itself answer whether the money is available to the debtor. Supreme Court Plenum Resolution No. 48 includes salary and other income in the estate but excludes protected amounts and payments intended to maintain another person.
Practical steps
- Obtain an SFR statement identifying the benefit and covered period.
- Download the full bank transaction record.
- Classify the payment accurately.
- Send the documents and a written request to the financial administrator.
- Identify the subsistence minimum and documented medical needs separately.
- If disagreement remains, apply to the bankruptcy court rather than conceal or reroute the payment.
Related guides: payments outside the estate, money retained by a debtor and bankruptcy articles.
Reconcile sick pay, salary and the protected amount
Ask the employer and SFR to separate salary for days worked, sick pay and other credits. Identify the period of each payment and how much maintenance has already been released for that month. Two payers do not create two subsistence allowances.
Sick-child care is a temporary-disability case under Article 5(1)(2) of Law No. 255-FZ. Do not automatically equate it with a monthly child benefit: Article 101(1)(9) of Law No. 229-FZ expressly excepts temporary-disability pay from general social-insurance immunity. For treatment expenses, provide prescriptions, a calculation and receipts; additional protection depends on the circumstances.
Legal provisions checked on 21 October 2026: Article 5 of Law No. 255-FZ, Article 101 of Law No. 229-FZ.
Frequently asked questions
Is all sick pay taken?
No automatic answer applies; the payment type and protected amounts must be established.
Must the administrator be informed?
Yes. Disclose the credit and prove its purpose.
Does direct SFR payment make it protected?
The source matters but does not make every SFR payment immune.
What about medication costs?
Keep prescriptions and receipts; additional exclusion may be requested in exceptional circumstances.
May it be paid to another person’s card?
That may look like concealed income and does not determine the legal treatment.
Official sources
- Federal Bankruptcy Law No. 127-FZ;
- Federal Law No. 228-FZ;
- Supreme Court Plenum Resolution No. 48;
- Social Fund sick-pay guidance.
Is the payment blocked?
We can classify the payment and prepare the document route without promising a predetermined outcome.
Initial consultation