The number one priority in preparation for retirement and old age is the people
It’s a pension. Even now, many people are paying pensions, and many recipients are benefiting. In this post, I will look at how to check the amount of the national pension payment, how much I paid, and how to check it.
What is the National Pension Scheme?
It is a social security system implemented by the state to guarantee income for old age. When a person aged 18 to 60 with an income can no longer engage in a livelihood after paying a certain amount of insurance, or when an unexpected illness, disability or death occurs, a monthly pension is provided to the person or his or her survivors to help them live a basic life. It’s a system that helps you keep it.
While the average life expectancy is increasing due to the improvement of living standards and the development of medical technology, the birth rate is decreasing and the elderly population is rapidly increasing. However, there are not many people who can afford to prepare for their old age. If this is left unattended, most of the elderly will fall into the post-retirement poverty class and have a difficult old age, so this system is implemented to prevent such problems in advance. 국민연금 납부액 조회
All citizens aged between 18 and 60 with income are subject to compulsory subscription. Even if you are not subject to compulsory subscription, you can pay additionally if you want to subscribe. The pension is calculated according to the total payment amount and payment period, and the calculated amount is paid monthly from the age of receipt until death. 좋은뉴스
characteristic
It is paid for life, and it is stable because the state guarantees the payment.
It guarantees the real value of the pension amount.
I paid money from 2000, and the value of 1 million won at that time and 1 million won when I receive my pension decades later will be different in value. The national pension pays the amount revalued to present value through the average income of all subscribers for the three years before receiving the pension.
You get more money than you pay for insurance premiums.
It also covers disability and death.
In case of disability or death, disability pension and survivor’s pension are provided.
when can i get it?
Citizens between the ages of 18 and 60 are eligible for subscribing, and when the minimum subscribing period of 10 years is fulfilled, they can receive benefits when they reach the relevant age. The age at which you can receive your pension is 65 if you were born in 1969 or later. If you pay money for 10 years, you can receive it at any time, but you have to pay money for 10 years to receive a pension from the age of 65.
How to receive the national pension early?
In many cases, the retirement age is 60 years old, so a gap of 5 years may occur under the above conditions. That is why the ‘Early Old Age Pension System’ was created. Early Old-age Pension is a system that allows you to apply for a pension before you reach the old-age pension age. You can apply up to 5 years in advance. In other words, today’s young people can apply for early old-age pension when they turn 60 years old.
However, keep in mind that the earlier you apply, the less money you will receive, which is reduced by 6% of the original money you will receive every year. In other words, if you apply 5 years early, you get a 30% discount. Therefore, early receipt should be approached carefully unless it is an unavoidable situation.
How is the payment amount calculated?
[Payment amount = Standard monthly income of subscriber X Pension premium rate (9%)]
The standard monthly income is the amount obtained by subtracting less than 1,000 won from the reported monthly income. In the case of a business subscriber, the employer and employee each pay 4.5, which is half, so if you are an office worker, the payment amount is calculated by multiplying your monthly salary by 4.5%.
For reference, the payment due date is until the 10th of the month following the month (the next business day if the 10th is a public holiday), so you need to pay attention to the amount and period when checking the payment amount based on the current inquiry date.
How can I check the national pension payment amount?
You can check the payment amount on the website of the National Pension Service (http://www.nps.or.kr). A public certificate is required for verification, so please prepare it in advance.
Inquiry procedure
Access the website of the National Pension Service.
Click [Electronic Complaints] – [Personal Complaints].
On the screen, click [Registration details inquiry] and log in with the public certificate.
When you log in, you can view subscription and payment details.
You can check total payment details, unemployment credit payment details, lump-sum refund payment details, pension insurance premium details, and expected pension amount through the website of the Corporation. In the pension insurance premium details, you can check how much you have paid with how much income for a specific period and whether there is any unpaid money. In addition, you can check the amount of pension you can receive later if you pay by the age of 60 based on the current standard monthly income.