Do you know that the number of people going through the national pension keeps increasing? As you might have guessed, the reason for the increase in the number of beneficiaries is the increase in the elderly population. As of 2022, 6.17 million people will receive the national pension. This population continues to grow and will significantly increase to 8 million in 2026.
The amount of pension provided by the National Pension Service every year reaches a whopping 2,803.2 billion won, and the elderly population is constantly increasing. Conversely, the population of the working age, 16 to 64 years old, is declining. 국민연금 해지
Can I receive national pension? 좋은뉴스
how much can i get
I want to cancel for a small amount…
You must have thought about this a lot.
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Can I really cancel the national pension?
To answer the question first, it is impossible to cancel the national pension. At least, if you are a local subscriber, it is possible to overdue, but if you are an employee subscriber, overdue is impossible because all taxes to be deducted and salaries are given.
if! If you have lost your job or your income has decreased, you may be able to stop paying for a while with a payment exception.
Reading the article below will help you
How to apply for an exception to the national pension payment! When it is difficult to pay due to lack of income or decrease.
How to apply for an exception to the national pension payment! When it is difficult to pay due to lack of income or decrease.
National Pension Payment Exception? – Sudden resignation or leave of absence due to accidents or disasters – Inevitable business suspension due to various circumstances (suspension, closure)
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Originally, the national pension promised to give more than the money I paid, but it is a system designed at the core to provide intergenerational support as a principle, and to give the pension of my parents’ generation to the insurance premiums paid by the children’s generation.
It would be great if this design continues in the future, but at the time of the design of the national pension, it was completely unexpected that the population of Korea would decrease so rapidly. It’s a structure that needs to increase the number of people who will pay, but it’s actually decreasing.
What should be done to solve this problem?
As mentioned earlier, the number of people paying insurance premiums is decreasing. We have to create people to pay for insurance, but the birth rate of newborns is rapidly declining.
The birth rate in 2021 was 260,000. If this fertility rate is maintained, in 2040, 20 years later, the number of women between the ages of 15 and 49, which can be said to be of childbearing age, will further decrease, and the birth rate will drop significantly to 190,000.
This means that even if the fertility rate is maintained, the number of newborns will decrease in proportion to the decrease in population.
then? It means you have no choice but to pay more insurance premiums. In other words, it may be said that insurance rates may increase. At least, the company pays for half of the share for the employee subscriber, but in the case of the local subscriber, the burden is bound to increase as they have to pay 9% of their income.
Can we prevent the depletion of the national pension just by paying more like this?
I think it will probably be difficult. For this reason, improvement of the system to pay more and receive less insurance is being talked about.
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The current trend is that even after 2045, the number of elderly people will exceed 37% of Japan, which we say is an aging country. This means that 3.7 out of 10 people are elderly. It’s really a problem because fewer and fewer people are going to work and fewer and fewer people have to pay taxes.
Announced by the Korea Economic Research Institute in January 2022, <If you go like this, you can’t get a penny from the national pension since you were born in the 90s. Pension Reform Urgent Wages> Report came out and received a lot of attention.
If you were born in the 90’s, you are in the middle of the 30’s. With the current structure, the reality is that no matter how much they pay for the national pension insurance premiums, they will not receive a single penny of pension even when the pension is due. I’m really worried.
Although I do not want to pay or receive it with my current mind, it is impossible not to pay the national pension, which is in the nature of a compulsory quasi-tax.
I do not know what reforms will come out in the future, but I hope that realistic reforms will come out.