Do you know all of the retirement pension plans that came into effect in December 2005? Mr. Hongshi also joined and is using it now. The company accumulates it every month, so there is no need to manage it separately, but I am curious about how much it accumulates, how it is operated, and the amount. So Mr. Hongshi went to the Workers’ Compensation and Welfare Corporation’s retirement pension site and looked it up.
◆ Retirement pension system 근로복지공단 퇴직연금 조회
The retirement pension system is a system in which a company accumulates funds for the payment of retirement benefits for workers in an external financial institution (retirement pension service provider), and the company or employee manages them, and the accumulated retirement benefits are paid as a pension or lump sum upon retirement. , This is a system created to ensure a stable life for workers after retirement. 좋은뉴스
◆ Types of retirement pension plans
The retirement pension system is an advanced retirement benefit system that complements the shortcomings of the existing retirement benefit system, accumulates retirement benefits outside the company, and strengthens the guarantee of workers’ right to receive benefits. These retirement pension plans are divided into defined benefit, defined contribution, and individual retirement pension plans, depending on the management method.
– Defined benefit system (DB) system in which the level of wages that workers will receive is determined in advance
– Defined Contribution (DC) A system in which the level of user contributions is determined in advance and the salary changes according to investment performance
– In addition to individual (IRP) user contributions, an IRP account can be set up to pay additional contributions
If you go to the Korea Workers’ Compensation and Welfare Corporation retirement pension site, sign up for membership and log in, you can see the current status of your retirement pension. You can check contract information, asset status, and rate of return from time to time, but it varies slightly depending on the operating period.
Looking at it, Mr. Hongshi joined in 2012. Of course, the amount is not much, but I forgot about it, and it turned out to be a pretty good amount. Before the retirement pension system, I received it as a lump sum every year, but I used it well as an emergency payment. But it was always a pity that money was tied up, but seeing that it was piled up like this, I think it’s better than a lump sum.
◆ Interim settlement of severance pay
– Reasons for interim settlement of employee severance pay
When a homeless worker purchases a house in his/her name
Where a homeless worker pays deposit or deposit for residential purposes
If you, your spouse, or dependents receive medical care for more than 6 months due to illness or injury
In the case of being declared bankrupt within 5 years from the date of application for interim settlement or receiving a decision to commence individual rehabilitation procedures
When wages decrease due to the wage peak system in accordance with the Employment Insurance Act
In the case of natural disasters such as typhoons and floods that fall under the following reasons and requirements set by the Minister of Employment and Labor
– Complete flooding of residential facilities. break. washout. In case of being buried, partially submerged or damaged, and the residential facilities, etc. are damaged by more than 50%, and recovery is almost impossible or takes a long time
– In case workers and their families die or go missing, or in case of damage that requires hospitalization for more than 15 days
Looking at the management product, the purchase principal and the appraisal amount appear, but there is some appraisal profit or loss. I don’t think it’s bad because you can receive severance pay + valuation gains and losses. I was supposed to be able to give operation instructions, but Mr. Hongshi thought it was best to protect them safely and keep the principal rather than being in danger, so I didn’t give instructions separately.
I feel a little reassured because I think this money will be of great help when I retire after only a few more years like this. Retirement pension in the age of 100 is now considered essential.