국민연금 조기수령 장단점2023. 3. 5. 6:00
It is said that the number of early recipients of the national pension increased significantly last year as the income requirements for dependents for health insurance premiums were lowered. As the elderly population increases and the number of newborns decreases, more people receive and fewer people pay.
It is not known when the reform, which will allow the age of pension benefits to be delayed beyond the age of 65, will begin, but we will check the advantages and disadvantages of early receipt of benefits in advance.
What are the conditions for early old-age pension?
If the total subscription period of the national pension is 10 years or longer, it is a system that allows you to receive benefits up to 5 years earlier than the age at which you start receiving payments.
At what age can I receive the national pension?
Those born after 1969 can receive it after the age of 65, but if they receive it early, they can receive it from the age of 60.
In order to prevent pension depletion, the opinion of experts that reform should be made after the age of 68 was an issue.
year of birth
Age at which old-age pension payments begin
Early Old Age Pension Application Age
Born between 1953 and 1956
61 years old
from age 56
Born between 1957 and 1960
62 years old
from age 57
Born between 1961 and 1964
63 years old
from age 58
Born between 1965 and 1968
64 years old
from age 59
Since 1969
65
from 60
Advantages of early receipt
You can get it in advance and use it for living expenses, save or invest.
You can secure your living expenses when you have no income.
Since the basic pension is reduced if the national pension exceeds 484,770 won per month, the basic pension amount can be adjusted by receiving the basic pension early for those who are in the bottom 70% of income or less.
Since the national pension is reflected in income when calculating health insurance subscribers, you do not have to pay health insurance premiums if you meet the requirements for dependents with early receipt.
disadvantage
6% per year and 0.5% per month from the original amount, and if you receive it 5 years earlier, 30% will be reduced and paid for the rest of your life.
The average lifespan is getting longer, and the longer you live, the more disadvantageous it is.
Since the national pension is raised every year to reflect the inflation rate, the amount of pension benefits increases, which may result in the dependent being eliminated.
The law can be amended at any time, so if you receive it in advance because of the basic old-age pension or health insurance dependent income requirements, you may lose money.
Since it is paid on the premise that there is no income, the payment may be stopped when re-employment or income is generated.
If you were born in 1964 and receive your benefits early from the age of 58
How to claim?
There are several ways to apply for services by visiting or visiting the National Pension Service, mail, fax, or internet.
If you visit in person, you can apply most conveniently because you do not have to fill out a written claim form with an electronic signature.
Is early receipt good for me?
If you do not have enough living expenses right now, it is best to receive it early, but if you receive it early because of your basic pension and health insurance qualifications, you will have to choose which one will be more advantageous after checking whether you can maintain your qualifications even if the amount of pension benefits increases every year.
Life expectancy is increasing, but if you receive 6% for a year, 5 years earlier, you will choose to receive the same amount of pension as you originally planned to receive, even if it is later, rather than 30% less.
As a reform solution to prevent the depletion of the national pension, the opinion of extending the subscription period and raising the insurance premium rate is being discussed.
blog.naver.com
© CoolPubilcDomains, source OGQ
Bloom&IU’s Minimal Investment Technique
