Hello, teacher. I am a single household living in Gyeonggi-do. Until recently, I didn't have any special assets other than the house I live in, but still managed to get by with my husband's national pension of 2 million won and my own national pension of 600,000 won. However, after my husband suddenly passed away last winter, issues arose. When I went to the National Pension Corporation to apply for survivor's pension, they said that in order for my husband to receive the survivor's pension, I would have to give up my 600,000 won national pension. I diligently paid the national pension for 20 years until I retired, and now they are telling me to choose between the survivor's pension and my own national pension. Does this make any sense? Hello, have you been well? Life is precious. Recently, there have been very absurd and unjust cases where people pay into the national pension for their whole lives but end up not receiving a single penny in return.

Today, I will explain very easily about the hidden traps of longevity pension that the National Pension Service never tells you about. Before explaining specific cases, let me first explain what a longevity pension is. The pension that National Pension subscribers can receive is broadly divided into three categories: effort pension, which can be received if you have paid for more than 10 years; disability pension, which can be received if a National Pension subscriber becomes disabled; and survivor's pension, which can be received by the surviving family members if a National Pension subscriber passes away. Therefore, the husband's 2 million won and the wife's 600,000 won that the clients have been receiving so far belong to the effort pension category of the National Pension. The clients can receive the survivor's pension of 60% of the deceased husband's pension and their own effort pension of 600,000 won simultaneously due to the husband's death.

This is what you have been thinking. However, the National Pension Service does not pay three types of pensions, labor, disability, and survivor's pensions, together. This is the first hidden trap today. The client needs to choose between the survivor's pension for her husband and her own labor pension. The survivor's pension for the husband is 120 million won, which is 60% of the labor pension of 200 million won received during his lifetime, and the wife's labor pension is 600,000 won. The first option available is to give up the husband's survivor's pension, but still receive an additional 30% of the survivor's pension, which is 36 million won. Therefore, adding the survivor's pension of 30% (36 million won) to the wife's labor pension (600,000 won), it totals 960,000 won. The second option is to give up the wife's labor pension of 600,000 won and choose the husband's survivor's pension of 120 million won. Now, which one should the wife choose?

Of course, you should give up your own effort pension of 600,000 won and choose your husband's survivor's pension of 1.2 million won. Therefore, the effort pension that the wife has been diligently paying for nearly 20 years will disappear without even receiving it for a few months. Here is one more unfortunate case regarding the survivor's pension: if a husband who is expected to receive an effort pension of 2 million won at the age of 63 and his wife, Hwang, who divorced at the age of 60, thought that she could receive 50% of her husband's effort pension, which is 2 million won, totaling 1 million won when she turns 63. However, the husband passed away in the world of 62-year-olds, before reaching the age of 63, the age to start receiving the effort pension after divorce. In that case, what will happen to the divorced AC split pension? When a couple divorces, a split pension occurs, but to receive a split pension, one must reach the age to start receiving the National Pension benefits. However, for National Pension subscribers, like the one before

If a husband dies at the age of 62, before the age of 63 when the pension starts, the surviving spouse's pension is paid first before the split pension. Therefore, if you are preparing for a divorce, you will not be able to receive any split pension. So, if you are considering a divorce, wouldn't it be a good idea to think about it at least once? There are two hidden traps in the pension. The first is the difference between national and regional pensions. The surviving spouse's pension from the National Pension varies from 40% to 60% depending on the subscription period, but for specific pensions such as civil servant pensions, military pensions, private school pensions, and postal worker pensions, a fixed 60% is paid. The difference between the National Pension and regional pensions does not end here. As I explained earlier, if you are subscribed to the National Pension together, the surviving spouse's pension can receive 30%, but if you are subscribed to a regional pension together, the surviving spouse's pension can receive 50%.

There is a 20% difference. Also, if the individual is enrolled in the National Pension and the spouse is enrolled in the private pension, in the case where the couple is enrolled in different pensions, the individual can receive 100% of their own effort pension and the spouse's survivor pension. The National Pension Service states that the National Pension and private pensions have fundamentally different systems, so they cannot be adjusted for duplication. However, recently, the number of voluntary participants in the National Pension has been decreasing steadily, perhaps due to the unreasonable structure of the National Pension. The third hidden trap of the survivor pension is the limitation of the scope of survivors. In the case of inheritance, it is distributed according to the share ratio, but the survivor pension is given mainly to the top priority recipient. To explain the order of the survivor pension, the 1st priority is the spouse, the 2nd priority is children under 25 years old, and the 3rd priority is those over 60 years old.

Parents are the fourth priority, and grandchildren under 19 years old are next if there are grandparents aged 60 or older. Therefore, it is most likely that the survivor's pension will be paid to the spouse. However, what happens if a National Pension member in their 60s dies without a spouse? Of course, the next in line would receive the survivor's pension, but in the case of the deceased member in their 60s, their children are likely over 25 and unmarried, and the possibility of the parents, who are next in line, being alive is slim. Moreover, for parents aged 60 or older to receive the survivor's pension, they must have been living at the same address as the deceased at the time of death. Even if they were living separately, there must be evidence that the person provided regular financial support to the parents for their livelihood. Therefore, if there is no spouse, it is not easy to receive the survivor's pension. As for private pensions, the remaining pension is paid to whomever the contributor has designated in case of their death.

When compared to what is possible, doesn't it seem a bit unreasonable? Still, if there is no eligible recipient to receive the survivor's pension due to the absence of gold, a death lump sum equivalent to equipment is being paid to relatives. Here, the death lump sum is limited to twice the standard monthly income, so you can receive around ten million won. The fourth hidden trap of the survivor's pension is that it disappears upon remarriage. If a wife who was receiving a monthly pension of one million won due to her husband's death remarries, the survivor's pension she was receiving will vanish. However, the important point here is the meaning of suspension and disappearance. If the survivor's pension was suspended due to remarriage, it could be received again if remarriage leads to divorce or separation, leaving the individual alone. However, if it disappears due to remarriage, it cannot be received again. Therefore, after the divorce from the spouse,

Please be aware of the implications of receiving survivor's pension while receiving a pension. As explained today, when recommending voluntary participation in deferred annuities, etc., the National Pension Service does not inform in advance about the issues of duplicate receipt of survivor's pension due to an increase in the monthly pension amount, exclusion from basic pension, reduction in linkage with national pension, increase in regional health insurance premiums, and other issues. Therefore, when considering the timing of receiving national pension and voluntary participation, please thoroughly examine your own situation. Today, as well, I will support the happy life of the elderly. Have a happy day. Likes, subscriptions, notifications, and sharing are the power to create good content.

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