국민연금 유족연금의 함정

국민연금공단은 유족연금에 숨겨진 함정을 만들어 수급자의 재정적 안정에 영향을 미칩니다.

### 알아야 할 국민연금 유족연금의 숨겨진 함정
* 💰 국민연금공단은 근로, 장애, 유족 연금을 함께 지급하지 않기 때문에 **고객이 둘 중 하나를 선택**해야 합니다.
* 💸 고객은 **근로연금을 포기**하고 유족연금의 일부를 받거나, 유족연금을 포기하고 **근로연금을 계속 받는 방법** 중 하나를 선택해야 합니다.
* 👩 ↪CF_200D↩❤️‍👨 **자신의 노동 연금을 포기**하고 **더 높은 유족 연금액**을 선택하는 것이 좋습니다.
* 🚪 이혼의 경우 **분할연금보다 생존 배우자의 연금이 먼저 지급**되기 때문에 배우자가 연금 수급연령 이전에 사망하면 **분할연금을 받을 수 없습니다**.
* 🏛 국민연금과 공무원연금 등 다른 연금은 유족연금에 차이가 있으며, **부부가 다른 연금에 가입한 경우 유족연금을 전액 받을 수 있습니다.**
* 👴 유족연금은 주로 **배우자를 1순위**로 하는 최우선 수급권자에게 지급되지만, **배우자가 없는 경우 다른 가족**이 유족연금을 받기가 쉽지 않습니다.

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.

[완전히 속았습니다] 평생 낸 국민연금 한 푼도 못 받을 수 있습니다!! 국민연금공단에서 절대로 알려주지 않는 불편한 진실 4가지 /기초연금 계산방법, 기초연금 수급대상

안녕하세요. 알베르토와 클라우디아 입니다.^^
행복한 노후를 준비하는 지식과 정보
그리고
힘겨울 때 위로와 용기를 나눌 수 있는
따듯한 채널을 만들기 위해 노력하고
있습니다.
여러분의 많은 관심과 응원
부탁드릴께요^^

[알베르토 약력]
연세대학교 생활환경대학원 졸업(석사)

전)벨메종 주거문화연구소 소장
현)폴리포니 앙상블 단장
현)행복한 인생 2막 대표

[클라우디아 약력]
숙명여자대학교대학원 졸업 (아동문화컨텐츠 전공/석사)
교원 자격 취득 
문학사
가족복지사 
노인심리상담사 1급
가족심리상담사 1급
도서 쉬컵 출간

전)예원다솜문화교육(주) 대표이사

여러분의 행복한 인생 2막을 응원합니다.

행복한 인생 2막

국민연금공단은 미망인에게 자신의 연금과 유족연금 중 하나를 선택하도록 강요하고 있습니다.

이 규정으로 인해 수년간 연금을 납부한 사람들이 아무런 대가를 받지 못하는 부당한 사례가 발생하고 있습니다.

가입자 가족에게 공정한 지원을 제공하기 위해 유족연금 정책을 재평가할 필요가 있습니다.

국민연금공단은 노동연금, 장애연금, 유족연금을 함께 지급하지 않기 때문에 수급자의 선택이 복잡해집니다.

부인은 자신의 근로연금 60만 원과 남편의 유족연금 1억 2천만 원 중 하나를 선택해야 하며, 결국 자신의 연금을 잃게 됩니다.

이혼한 여성이 국민연금을 받기 시작하기 전에 전남편이 사망하면 분할연금 수급에 대한 기대에 차질이 생깁니다.

연금 및 유족 급여의 숨겨진 함정

생존 배우자는 분할연금 수령에 제한이 있을 수 있으며, 이혼 시에는 연금을 전혀 받지 못할 수도 있습니다.

국민연금과 지역연금의 연금 지급 비율에는 상당한 차이가 있으며, 연금 가입 유형에 따라 제한이 있습니다.

유족연금은 배우자가 1순위, 특정 연령대가 그 뒤를 잇는 등 지급 우선순위가 정해져 있어 다른 잠재적 수급권자에게 영향을 미칠 수 있습니다.

유족연금은 일반적으로 배우자에게 우선적으로 지급되며, 다른 수급권자에게는 특정 조건이 적용됩니다.

배우자가 없는 60대 국민연금 가입자의 경우, 특히 부모님이 함께 살지 않거나 사망자가 재정적으로 지원하지 않는 경우 연금을 받는 것이 어려울 수 있습니다.

개인 연금은 지정된 수령인에게 지급되며, 적격 수령인이 없는 경우 친척에게 사망 일시금을 지급할 수 있습니다.

그러나 재혼 시 유족 연금은 지급이 중단되거나 영구적으로 소멸되는 등 수급자에게 제한이 있습니다.

연금 수령 중 유족연금 수령의 의미

국민연금공단은 유족연금을 월 연금과 함께 수령할 경우 발생할 수 있는 문제에 대한 사전 정보를 제공하지 않습니다.

이로 인해 연금을 중복 수령하거나 기초연금에서 제외되는 등 재정적 불이익을 받을 수 있습니다.

연금 수령 시기와 자발적 가입을 결정할 때는 개인이 자신의 상황을 신중하게 평가하는 것이 중요합니다.