Middle-aged people who are concerned about the national pension, please check it at least once. Hello, I'm Yam Stella. Thank you for being with us today. Recently, due to the issue of the national pension running out, distrust in the pension has increased. Eventually, it is said that the new government plans to increase contributions to the national pension and reduce payouts. However, it won't be easy to make this change. On the other hand, the number of pension recipients has been increasing rapidly, recently surpassing 6 million. It took about 8 months to increase from 3 million to 4 million recipients, and 3 years and 6 months to reach 500,000 from 400,000. However, it only took 2 years to go from 5 million to 6 million recipients. The increase in recipients is mainly influenced by the Baby Boomer generation starting to receive the national pension, and with life expectancy rising, it is expected to continue to increase in the future. However, for the time being.

It is said that the number of applications for the return lump sum pension and the return system, which allows you to receive the national pension as a lump sum payment, is steadily increasing in order to receive as much pension as possible because the fund will increase for about 20 years. Today, I will explain the return lump sum pension system and the return system that returns more money by returning it as a 4 o'clock money, as well as the application for receiving the national pension, the changed spring payment system, and how to confirm and apply for it. Before you apply, please press like once. According to recent data released by the National Pension Service, the number of steady applications for the return system to extend the national pension subscription period is increasing. Although there are concerns about the depletion of the national pension, in fact, as of March this year, the national pension fund amounted to 928 trillion won, and it is being stably paid every year based on the increased amount reflecting the annual inflation rate. This is much more advantageous compared to individual pensions.

Due to the application, there may be exhaustion issues, but currently, in fact, the National Pension is the best way to prepare. Therefore, by utilizing the option of deferral and repayment system, the deferral period is being extended or the contribution amount is being increased. First of all, the National Pension repayment system is a system that returns the lump-sum payment received in the past to maintain the membership period. Last year, more than 150,000 people applied for repayment, and there are many who are not familiar with the repayment system compared to the channel system. If I explain the lump-sum payment system first, when the National Pension contribution period is less than 10 years, or if the person is not eligible for National Pension benefits due to reasons such as death at the age of 40, or reaching the age of 65, the system pays a lump sum by adding the amount calculated based on the 3-year maturity fixed deposit interest rate of the premiums paid up to that point. Just like other systems,

You have to pay money, and if the period passes, late fees will be charged, so you have to pay. However, the right to receive a return premium arises, and if it is not attached within five years from the date of the right to receive, the statute of limitations is completed, so you cannot receive payment. Among those who do it for two weeks, some may not think about it. The age at which you can sell the return premium is from 61 to 65 years old, and you can apply for it on the National Pension Service website or by phone or fax at the branch office five years before the age of receiving the national pension. However, only half of the people who have deteriorated in a year have received the return premium, meaning that there are that many more. Doesn't it seem like too many? Those who became unemployed in 1998 could apply for the return premium until 2000. Just because the number of unemployed and bankrupt people increased sharply, there were over 7 million people who received the return premium. In fact, at that time, the banks had fixed-term deposits.

They advertised an interest rate of 20% and even offered 65% as interest if you deposit for 3 years. In addition to the one-month deposit, they offered an annual interest rate of 18.5%, so it was relatively disadvantageous to pay the National Pension with your own funds. Therefore, even those 7 million people at that time can secure their pension benefits by extending the pension entitlement period through a refund system. For those who have been in the system for 24 years, it would be beneficial to extend their membership by utilizing the refund system. However, in the case of a refund, you can apply only if you reacquire membership qualifications. You can apply after joining the EB program. You can choose to receive the full amount at once or pay in installments up to 24 times if the amount is large. Sometimes, the interest rate for a one-year fixed deposit from the following table is applied to the refunded amount at that time.

Since 2016, even housewives have been able to use Chun Haekdo as a way to invest like Gangnam's affluent grandparents, who have financial flexibility. In 2020, due to the economic downturn caused by COVID-19, a strong wind of preparation began blowing. To prepare for old age, people started paying twenty years' worth of pension contributions at once. It's been already two years. At that time, I introduced this as well. However, due to not aligning with the original purpose, from last year, the proposal was made to extend the contribution period to 10 years. Nevertheless, Chun Haekdo is still a great system for retirement preparation. To briefly summarize, with the national pension, you need to pay for 10 years to receive benefits. If you can't complete 10 years, you can make up for the shortfall through the contribution system. Depending on the number of years contributed, the longer the membership period, the

Because it is fragile, through the spring, you can extend the membership period to increase the amount of pension received. Usually, when you stop working and do not have any income due to reasons such as marriage, you become a basic livelihood recipient. For those who have re-applied after becoming basic livelihood recipients, men who have served in the military often pay the most premiums. In order to receive a pension, you need to have a National Pension membership history and maintain eligibility. However, even if you are not a member, you can apply after joining. For those who have served in the military after 1988, it is possible to receive a pension even if you enlisted before joining the National Pension. For employed members, the National Pension is determined proportionally to their income, but for existing members, regardless of income, they can choose. Starting from next month, from July, the standard monthly income amount will increase by 5.6%, so even those with low income will pay National Pension premiums ranging from a minimum of 90,000 won to a maximum of 497,000 won per month.

You can pay up to the maximum amount. Of course, for the National Pension, the period is more important than the amount, so it is cost-effective to pay more. Those who currently have income cannot determine the amount themselves, but must pay based on the current payment amount. Employees pay half through the company and half by themselves, but if you delay the payment, you have to pay twice the current amount, so it is important to make a wise decision and decide according to each situation. Both installment payments and lump-sum payments are possible, and you can also pay in 60 installments. For self-employed individuals like small business owners, the contribution system is about saving for retirement, so instead of waiting for a difficult time like during the current COVID-19 situation, you can use the system when your income suddenly increases. This way, you can save more money for retirement, as well as benefit from income tax deductions.

With 1,000 billion applicants, the applicants from Gyeonggi-do and Seoul were the most numerous. In the case of Chun Abe, there were significantly more female applicants than male applicants, possibly due to many housewives applying. Female applicants were relatively more numerous among those applying for returns as well. Among male participants, extending the membership period by 2 to 3 years, especially for those who have completed military service, can result in a difference in pension benefits. So, it would be good for male participants to consider increasing their contributions. Also, for those who may have forgotten about the benefits received during the IMF era, applying for returns and extending the membership period could be helpful. Applying for returns can be done through the National Pension Service website, mobile app, fax, or by visiting a branch office. By logging into the National Pension Service website, you can apply through the menu for personal complaints and applications under electronic civil petitions. For detailed information, you can check your membership history under the contribution menu.

You can check the information about the possible benefits, and if you apply for occasional payments, you can verify if you are eligible for occasional application and also check the history of receiving return payments. Since the government is pushing for a national pension reform this time, even if you are a model who actively recommends the return system, it is good for those in their mid-40s or older to check it out once. If you have some extra money, it would be good to apply. Thank you for watching until the end. If you find the video helpful, please share it with people around you, and let's meet again in the next video. Have a happy day today.

국민연금을 한 번에 받는다?💰국민연금 반환일시금, 반납, 추납 최신 정보! 중년층은 꼭 확인하세요.

모두가 살 만한 사회를 만들고 싶은 10년 차 사회복지사 양스텔라입니다. 
복지마블TV 시청자님 구독자님 감사합니다.

[복지마블] 의 슬로건은 
‘푸른 지구에 선한 복지 지도를 그리자!' 입니다.
세상에 선한 존재들과 만나 함께 그려나가고 싶은 꿈을 담았습니다. 

그동안 복지 현장에서 직접 발로 뛰며 바쁘게 지냈던 시간이 떠오릅니다. 때로는 눈물도 흘리고 어떨 때는 기쁘고 벅차서 잠 못 이룬 적도 있었죠. 삶의 현장 곳곳에서 꽃 필 수 있도록 그들의 꿈을 돕고 거들었습니다. 

어느 날 그 과정에서 
이상과 철학도 없이 어떻게 사회복지 일을 바르게 잘했다 할 것인지 기준도 없이 그저 열심히 할 수는 없었습니다. 
근본을 세우고 근본을 좇아 사회복지를 바르게 해야겠다는 마음으로 때마침 유익한 교육을 들었고 도움 되는 책들을 읽으며 존경하는 선배님들을 만날 수 있었습니다. 

그 경험을 
사회복지를 시작하는 분들에게 작게라도 나누고 싶습니다. 
세상을 변화시키는 100인을 진행하며 각 분야의 사회복지 전문가들을 인터뷰하여 깊이 있는 이야기도 담겠습니다. 

그리고 복지의 종류가 여러가지가 있지만 일자리도 중요한 복지라고 할 수 있습니다. 
국민들이 알아야 챙기는 정책과 다양한 제도, 직업 정보 등 힘이 될 수 있는 정보를 드리고 복지국가로 가는 여정에서 소통하며 올바른 길을 찾아가도록 늘 최선을 다하겠습니다. 

단 한사람의 인생이라도 복지마블로 인해 더 행복해지기를 바랍니다.

^^ 선한 관심과 사랑 감사드립니다. 
덕분에 행복합니다.
감사합니다.
응원합니다. 
사랑합니다. 
축복합니다.


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국민연금을 한 번에 받는다?💰국민연금 반환일시금, 반납, 추납 최신 정보! 중년층은 꼭 확인하세요.

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