국민연금 조기수령 장단점 Advantages and Disadvantages of Early Recipient of National Pension System

국민연금 조기수령 장단점As the retirement age approaches, many people are interested in early retirement. This article is an article confirming the advantages and disadvantages to help with early receipt of the national pension. If you need information on the advantages and disadvantages of early receipt of the national pension, and precautions, please read to the end. We’ll tell you all below.

It is a public pension system directly operated by the government’s National Pension Insurance Corporation. When a citizen has paid for more than 10 years and reaches a certain age, he or she can receive a certain amount every month for the rest of his or her life. In Korea, if you have an income, it is legally compulsory to join, so it can be seen that almost all citizens are enrolled in the national pension.

Since it is a system introduced by the National Pension Insurance Corporation to solve social structural problems such as disease, old age, disability, and poverty, it can help to live stably in unexpected accidents and old age.

According to a special law, public servants, military personnel, and private school teachers cannot join the national pension. All other nationals between the ages of 18 and 60 are legally obliged to sign up.

The age of receiving the national pension is gradually increasing, and after 2033, you must be over 65 years old to receive it. As aging accelerates, a plan to gradually delay the age of receiving benefits has been adopted, and the age of pension benefits has also been differentiated according to the year of birth.

Those born in 1953 start at age 61, and those born in 1961 are paid at age 63. While the pension age is being delayed by one year every four years, from 2033, only those aged 65 or older will be able to receive it.

Early receipt of the national pension refers to applying five years earlier than one’s age, period, and year of receipt. However, early retirement reduces the total pension amount. The pension amount varies depending on the starting age, and the ratio is 70% at age 55, 76% at age 56, 82% at age 57, 88% at age 58, and 94% at age 59. But there are also advantages. Let’s take a look at the exact pros and cons.

If you have been enrolled in the national pension for more than 10 years and have no income, you can apply for early receipt. If you do not have immediate income but need living expenses, etc., you can receive a certain amount every month through early receipt.

In fact, there are more disadvantages than advantages of early receipt. This is because the earlier you pay, the less money you receive. Each year, the original expected benefit amount is reduced by 6%, so if you apply 5 years early, you will receive a 30% reduction from the total amount. The downside is that the earlier you apply, the less money you will receive.

If you receive early retirement and start earning before age 60, your pension payments will be suspended for that period. If you need more accurate and detailed information, you can contact the National Pension Insurance Corporation at 1355.

It is said that the current livelihood is difficult, and the number of early recipients is increasing. It is regrettable that the reduced amount is necessary, but if necessary, you can get some leeway through early receipt, so it would be nice to consider the economic situation at the time of application.

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We learned about the advantages and disadvantages of early receipt of the national pension, and three precautions. Hope this helps. If you have additional questions, please refer to the articles above. If it was helpful, please comment, heart (like), and subscribe to help me.
National pension, early receipt of national pension, early receipt, disadvantages of early receipt, advantages of early receipt, precautions for early receipt
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2022.02.22

2022.02.20

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