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🎁 | What are the points to check when the "Nenkin Regular Service" arrives?


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What are the points to check when the "Nenkin Regular Service" arrives?

 
If you write the contents roughly
・ National pension premium (No. 1 insured period) The amount of national pension premium paid so far is listed.
 

What is Nenkin Regular Service? Nenkin Regular Service is a guide for the purpose of "deepening the understanding of the pension system" in Japan ... → Continue reading

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National pension insurance

National pension insurance(Kokumin Nenkin Hoken, abbreviation:National pension,National insurance) IsRepublic of China(Taiwan)ofSocial insuranceOne of the systems. Socially by enrolling people aged 25 to 65 years old who have not yet joined the national pension insuranceSafety netThe purpose is to secure.

The coverage consists of four major guarantees: old-age guarantee, disability guarantee, survivor compensation and funeral benefits, and the benefit items are old-age pension, old-age basic guarantee pension, indigenous benefit, disability pension, disability basic pension, survivor pension, There are seven types of funeral benefits.

The competent authority isInterior ministry.. Since the Government of the Republic of China has not established a specialized department for national pension insurance, at this stage it is from the Ministry of the Interior.Labor CommitteeIs in charge of related administrative affairs. National pension insurance2007/7/20Based on the "National Pension Law" enacted in the same year8/8Was promulgated,2008/10/1The operation was officially started.

It can be said that the national pension insurance is a flexible compulsory system in which compulsory enrollment is obligatory for insured persons and no penalties are stipulated for non-enrollees excluding spouses.

被 保 険 者

  • The target age is 25 to 65 years old.
  • In the Republic of China (Taiwan)Family registerHaveNationality Law of the Republic of China.
  • A 25-year-old citizen who does not have vocational insurance such as, for one day in a month.
  • Those who have received the labor insurance old-age benefit after implementing the labor insurance pension, but have been enrolled in the labor insurance annual fund for less than 15 years.
  • Those who have already received the benefits of labor insurance for the elderly before the implementation of the labor insurance pension.

Benefit method

The benefits of each item of national pension insurance are explained below.

Old-age pension

It is paid to members aged 65 and over who have taken out national pension insurance and are eligible to receive it. The payment method is classified into A type and B type.
  • Type A (17,280 x Annual Insurance Fund x 0.65%) + 3,000 NTD
  • Type B (17,280 x Annual Insurance Fund x 1.3%) NTD
Both methods can be selected, but in the following cases, only the B method can be selected.
  1. If you have a period of 10 years or more without national pension insurance.
  2. If you have not paid your insurance expenses during the period from 64 to 65 years old.
  3. Various public subsidies[1]If you have received.
  4. If you already have a public education employee insurance endowment benefit or have received a military insurance retirement benefit.
  5. Those who have received the labor insurance old-age benefit after implementing the labor insurance pension and have been a member of the labor insurance for 15 years or more.
  6. Those who receive old-age benefits for 15 years after the enforcement of the National Pension Act.
  7. A 65-year-old salaryman who has been a labor insurance member for less than 15 years and has a total of 15 years including the period of participation in the national pension insurance.

Old-age basic guarantee pension

Respect for the Aged Assistance is its predecessor, and the monthly benefit is NTD 3,000. It is applied to members aged 65 and over when the national pension insurance system is disclosed. Like the respect-for-the-aged subsidy, it is not paid to high-income earners.
After the start of the national pension insurance system, the conditions for real estate income were relaxed as a regulation for high-income earners.
Not paid in the following situations.
  1. Republic of ChinaThose who live abroad for 183 days or more a year.
  2. Those who are detained at the full cost of the government.
  3. Persons who receive retirement benefits for military personnel, public affairs, primary retirement allowances for civil servants, or benefits.
  4. Those who receive social welfare assistance.
  5. Those whose personal income in the previous year exceeds NTD 50 per year.
  6. Persons with privately owned real estate assets exceeding NTD 500 million.[2]
  7. Person in prison.

Aboriginal benefits

A monthly fee of NT $ 55 will be paid to indigenous people between the ages of 65 and 3,000 who have a family register in Japan and do not meet the following provisions.
  1. Incumbent military personnel, civil servants, teachers and public and private business workers.
  2. Persons who have received benefits from government personnel, public professors, public enterprise personnel, or veterans of military personnel.
  3. Persons who receive disability living assistance or prosperous employment benefits.
  4. Those who are detained at the full cost of the government.
  5. Those whose personal income in the previous year exceeds NTD 50 per year.
  6. Persons with privately owned real estate assets exceeding NTD 500 million.
  7. Person in prison.
  • At the age of 65, it will be integrated into the old-age pension of the national pension insurance.

Disability pension

When a member is issued a disability certificate due to illness or disability during the period of enrollment in the national pension insurance and cannot be expected to recover from the current situation even with treatment, or when it is judged by the relevant medical institution that he / she cannot tolerate work. Will be paid. If it also meets the disability pensions of labor, public education, military, and agricultural insurance, one must be selected.

Benefit standard
Monthly payment amount * Subscription period * 1.3%
If it is less than 4,000 NTD, 4,000 NTD will be paid if the following items are not met.
  1. When the non-subscription period is 10 years or more.
  2. If there is a period of non-payment of insurance money one year before the acquisition of benefit eligibility.
  3. If you are receiving relevant public assistance.
  • At the age of 65, it will be integrated into the old-age pension of the national pension insurance.

Basic pension for persons with disabilities

The disability basic pension has already been issued with a disability certificate of severe or higher before the member first joins the national pension insurance, has lived in Japan for 183 days or more, and is judged to be unable to withstand work at related medical institutions. It will be paid in case of If the following items are not met, NTD 4,000 will be paid.

  1. Persons who have not already received labor insurance first, second and third grades, disability benefits, agricultural insurance first, second and third grades, public education insurance disability benefits or military personnel insurance first-class disability benefits.
  2. Those who are detained at the full cost of the government.
  3. Those who receive social interest subsidies.
  4. Those whose personal income in the previous year exceeds NTD 50 per year.
  5. Persons with privately owned real estate assets exceeding NTD 500 million.
  6. Person in prison.

Survivor pension

Participants who meet any of the following conditions will receive the death member's pension insurance and insurance resources as a survivor's pension.
  1. Validity period of pension insurance[3]If you die and have a bereaved family.
  2. If you have a survivor who died while receiving the disability pension or old-age pension.
If the first item applies, the benefit amount is the monthly payment amount * 1% * enrollment period. If it is less than 1.3 NTD, 3,000 NTD will be paid.
If the second item is applicable, the benefit amount will be NTD 2 if it is less than 50% of the pension paid, NTD 3,000.

Funeral benefits

If the subscriber dies during the insurance period, NT $ 86,400 will be paid.

Penalties

The spouse is obliged to jointly pay the insurance costs and will be fined NT $ 3,000 to NTD 15,000 if he / she does not cooperate with the payment of the spouse. No punishment will be given if the spouse is found to be incapable of living.

Insurance premium subsidy system

The basic amount of national annuity insurance is 17,280 NTD, and the monthly burden is 6.5 NTD multiplied by a coefficient of 1,123%.

Normally, the government subsidizes 40% of the insurance premium, the out-of-pocket rate is 60%, and the monthly payment amount is 674 NTD.

Additional assistance may be provided to persons with disabilities or those in need of living depending on the situation.

Disabled

  • Severe or higher: Full government insurance premiums.
  • Moderate: The monthly burden is 337 NTD.
  • Longitude: The monthly burden is 505 NTD.

Low income

Full payment of insurance premiums by the government.

Low income qualification

The recognition of low-income earners is based on the "Social Relief Act", and the examination is conducted after dividing the household income by the number of household members.

Definition of household members

  • spouse
  • First-degree lineal relatives
  • Direct relatives and siblings of the same family register
  • Dependent Certified

However, in the following situations, it is not considered as a household member.

  • Foreigners and continental spouses who work outside of Taiwan.
  • A direct family member who has already married but does not have the ability to support a shared life.
  • Those who engage in military service or substitute.
  • Those who receive a public scholarship.
  • Those who are in prison.
  • A person who disappeared and was reported to the police, but was missing after more than 6 months.

Examination criteria

  • If the income is less than 1.5 times the minimum living expenses of the current year and does not exceed the average personal consumption of Taiwan, the government will pay 70% of the insurance premium and the individual will pay 30% (337 NTD per month).
  • If the income is 1.5 times or more and less than 2 times the minimum living cost, the government will pay 55% and the individual burden will be 45% (505 NTD per month).
Application method: The applicant applies to the local government where he/she has a family register for examination and certification.

Note

  1. ^ Receiving elderly living assistance, low and middle income elderly living assistance, disability living assistance, elderly farmer welfare assistance, scholarship benefits
  2. ^ After the start of the national pension system, when land is reserved for public facilities and the only real estate that actually resides is deducted from the assessed value.
  3. ^ 25 to 65 years old

References

  • Labor and Industry Insurance Bureau “National Pension Declaration Page” (September 2008)

外部 リンク

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