The National Pension, one of the basic living security systems for old age, is a national pension insurance that anyone earning income in Korea pays for. Although such a national pension pays a large amount each month, many people pay a fixed amount each month to prepare for retirement because it guarantees a minimum amount in old age. However, some people are looking for a way to cancel for a variety of reasons. Today, we are going to learn how to cancel the National Pension Plan.
National Pension – Logo
National Pension
1. What is National Pension?
2. How to cancel the National Pension
3. Concluding the article
1. What is National Pension?
In Korea, employers and workplaces with the four major insurances are obliged to join the National Pension Service. Currently, on the national pension, people are divided into those in favor and in opposition to whether they need it or not. Personally, I am also wondering if I need to pay a large enough amount to entrust my retirement insurance to the state. This is different for each individual, so I’ll put it aside for a moment.
National Pension-Screen
Cancellation of National Pension
The National Pension System is a pension system that is mandatory for all citizens between the ages of 18 and 60 in Korea. For those who work, 4.5% of the total 9% of the national pension is paid by the company, and the remaining 4.5% is paid by workers. In other words, if 90,000 won comes out of the national pension, 45,000 won is paid by the employee. The remaining 45,000 won is paid by the company, and 90,000 won is actually being accumulated.
How to get a National Pension Loan 국민연금 해지 방법
The National Pension is one of the four major pensions, and it is considered as a valuable pension that will be used as money for old age when the person gets older. Many people are already enrolled in the National Pension Scheme, and now
The issue of the national pension has been around since the old days. Due to the low fertility rate, the national pension will be exhausted in the future, and as the elderly population increases, there will be a deficit and the national pension cannot be paid as it is now. However, this has only been raised as a problem, and it is not certain, so it is better to keep an eye on it. 좋은뉴스
2. How to cancel the National Pension
Those who oppose the National Pension Plan may be wondering how to cancel it. Unfortunately, there is no way to cancel the national pension at will. However, please note that cancellation is possible if any of the following apply.
In case of moving abroad due to loss of Korean nationality
The method of canceling the National Pension is possible if you lose your Korean nationality and move abroad. This is the same as giving up on Koreans. This is usually the case for those who emigrate or relocate, and the amount of National Pension received so far is called a lump-sum refund and can be returned to them. In this case, the person should apply for the lump-sum refund in principle, but if he or she has already left the country, a representative may visit or post a request for the lump-sum refund to be refunded.
If the current National Pension subscription period is less than 10 years and has reached the age of 60
The National Pension must be paid for at least 10 years, but the minimum conditions for receiving the National Pension are established. However, if you turn 60 without paying the minimum payment period of 10 years, you can receive it at the age of 60, including the principal and interest. For this method, which is included in the method of canceling the national pension, you need to check your payment period and age.
National Pension – History
How to cancel the National Pension
If the insured person does not qualify for the survivor’s pension upon death
The National Pension Survivor’s Pension is a pension paid to protect the minimum living of the remaining survivors in the event of the death of a National Pension member or a beneficiary of an old-age pension or a beneficiary of a disability pension with a disability level of 2 or higher. If a member of the national pension dies and is not eligible for the survivors’ pension, the amount obtained by adding interest to the national pension amount is received as a lump sum to the beneficiary.
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I think that some of you will receive the 4th Disaster Relief Fund right now, and there will definitely be others who did not. There are some people who are not able to receive it because it is not included in the target.
As above, there are several ways to cancel the National Pension. What is clear from this is that if I do not want to join, I am not able to cancel at will. Of course, there are exceptions like the one above, but how many people fall into that category? I think that if there is a law that allows the current national pension to be canceled at will, more than half of the national pension subscribers will cancel it.
3. Concluding the article
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Today we learned how to cancel the National Pension. I have already met the minimum payment period, so I hope that the National Pension will somehow come out stably in the future. As the elderly population is increasing in Korea, it would be good to have at least one stable pension product.