Are you paying the national pension? It is a national pension that must be paid while working or doing business. If you quit your company or go out of business, you may have a ‘deferred payment of the national pension’. I am also currently working as a freelancer with unstable income, so I am doing ‘National Pension Payment Deferment’. What is the National Pension, how to join, pay, apply, receive and cancel the National Pension, and how to apply for payment deferral Let me see.
▶ What is the National Pension?
It is a social security system established to protect citizens through the intervention of the state rather than leaving the responsibility for preparing for emergencies such as disease, old age, disability, poverty, etc. to individual citizens. These social security systems include the national pension, health insurance, industrial accident insurance, and employment insurance. I was like that too. Among them, the national pension is a public pension system operated directly by the government. 국민연금 해지
▶ Types of National Pension? 좋은뉴스
The national pension system was implemented in 1988. The old-age pension to compensate for the loss of earned income due to old age, the survivors’ pension to compensate for the loss of income due to the death of the main income earner, the disability pension for loss of long-term work ability due to disease or accident, Lump-sum refund, etc.
▶ Types of National Pension Subscribers?
1. Workplace Subscribers: Workers between the ages of 18 and 60, workers at workplaces with one or more employees.
2. Local subscriber: A person between the ages of 18 and 60 who is not a subscriber to a workplace.
3. Voluntary subscriber: A person who applies for a business or regional subscriber based on his/her own wishes.
※ If you cannot become a local subscriber or a random subscriber
– Recipients receiving retirement pension or disability pension from other public pensions
– In the case of recipients of livelihood benefits, medical benefits, and security facilities among recipients under the National Basic Livelihood Security Act
– Spouses of business owners who are not engaged in income-earning activities, persons under the age of 27 who are not engaged in income-earning activities
※ If you cannot be eligible for business registration
– Other public subscribers such as civil servant pension, military pension, etc.
– Daily wage workers who do not meet the conditions
※ What is the voluntary continuous subscriber system?
If a person who has paid national pension insurance premiums reaches the age of 60 but does not receive pension benefits due to lack of subscription period, the subscription period can be extended for 5 years.
▶ What is the source of the national pension?
– Workplace subscriber: 4.5% for self, 4.5% for user (withholding tax from salary)
– Local subscribers: 9% of the total cost
▶ Cancel the national pension?
The National Pension is a compulsory subscription and, in principle, cannot be withdrawn. As long as the country does not collapse, the national pension will be paid.
– Office workers: Automatically sign up as a business site subscriber
– Business income earner: automatically enrolled as a local subscriber
※ You may not subscribe to the National Pension Plan if you are engaged in an occupation that has a public pension system, such as military personnel, civil servants, and firefighters.
▶ Age at which to receive the national pension?
If you have paid the national pension for more than 10 years, you will receive old-age pension benefits every month from the age of 60. (Those born in 1981 can receive old-age pension from the age of 68)
– Born in 1952 or earlier: 60 years old / 55 years old for early retirement
– Born between 1953 and 1956: 61 years old / 56 years old for early retirement
– Born between 1956 and 1960: 62 years old / 57 years old for early retirement
– Born between 1960 and 1968: 63 years old / 58 years old for early retirement
– Born in 1969 or later: 65 years old / 60 years old for early retirement
▶ How to receive the national pension early?
– In case income activities are suspended due to illness or job loss before the age of 60
– Receipt can be started up to 5 years earlier, paid after deducting 6% per year
– Suspension of payment if income occurs during early receipt
▶ How to apply for the National Pension?
When the conditions for receiving benefits are met (subscription period of 10 years or more + age 60 or older), contact the National Pension Service (1355) and apply for benefits. In the case of monthly old-age pension, even if the application date has passed, the amount of benefits for the last 5 years will be paid after counting back from the application date.
▶ Required documents for applying for national pension?
– Wage payment claim
– A copy of the beneficiary’s identification card (resident card, driver’s license, passport, etc.)
– Beneficiary’s deposit account
– Detailed certificate of marriage relationship certificate
▶ What if there are changes while receiving the national pension?
If there is any change in income, remarriage, death, name, resident registration number, address, phone number, etc. while receiving the national pension, you must report it to the National Pension Service within 30 days.
▶ What is the National Pension Additional Payment (later payment of pension insurance premiums) system?
It is a system in which premiums that have not been paid during the payment period can be paid in one lump sum. By extending the subscription period, you can see the effect of increasing the amount of pension. Through voluntary subscription, premiums for 10 years can be paid at once or paid in installments for up to 60 months.
※ Pension insurance premium for the month in which the date of application belongs X number of months for additional payment = payment amount
▶ What is the national pension payment deferral?
In the case of individual entrepreneurs, when there is no sales or when it is impossible to pay the national pension due to an accident or disaster, the national pension payment can be delayed for up to 6 months.
Keep in mind that retirees are voluntarily enrolled in health insurance
If you go to work, you and your employer will pay half for the four insurances. But what if you retire? As the health insurance is switched to a local subscriber, unlike when I go to work, I have to pay 100%. because
As a director, I briefly summarized the payment deferment and receipt method for canceling the national pension subscription. If you have any of the above, please make sure to take care of the national pension benefits.