국민연금 환급2022. 7. 15. 10:48
The pension wiki time to learn about the national pension with the head of the pension department every Friday is back!
The term we will learn today is ‘lump sum refund.” This is a word that has appeared often on Pension Wiki recently. Shall we find out properly?
Lump sum refund
A lump-sum refund is a lump-sum refund when you can no longer subscribe to the national pension due to reasons such as death, loss of nationality, or emigration, or when you reach the age of 60 but do not complete the minimum subscription period (10 years), adding interest to the premiums paid so far. This is a salary paid in installments (paid all at once!).
Who can receive a lump sum refund?
△ When a person who has subscribed for less than 10 years turns 60 (does not apply to special old-age pension recipients)
– If you have reached the age of 60 but have not completed the minimum subscription period (10 years) and received a refunded lump sum, you are eligible for the national pension.
You cannot re-enroll~
However, rather than receiving a lump sum refund, you can re-enroll if you apply for voluntary continuation of membership according to your wish.
△ Cases where the subscriber or former subscriber dies but is not eligible for survivor pension
△ If you lose your nationality or move abroad
– If you stay abroad for other reasons such as employment, study, or other reasons other than the purpose of moving abroad, you cannot receive a lump sum refund regardless of the period.
The lump sum refund is received by adding interest prescribed by Presidential Decree to the pension insurance premium paid during the subscription period. The applicable interest rate is the interest rate for a 3-year maturity term deposit for the period from the month following the date of pension insurance premium payment to the month in which the reason for payment occurs, such as reaching payment age.
*Term deposit interest rate for 3-year maturity in 2022: 1.3%
*The interest rate is applied by averaging the interest rates applied by banks with a nationwide operating area among banks established under the Banking Act as of January 1 of each year.
How do I bill?
1) Visit a National Pension Service branch nationwide and file a claim in person
(Or, appoint an agent in Korea and have the agent visit the branch to file a claim)
2) Apply by mail directly from overseas to the National Pension Service branch.
3) On-site pension service (apply on website)
4) Telephone/fax claim: Applicable only if the total insurance premium paid is 2 million won or less.
※ If the beneficiary is a foreigner and the reason for payment of the lump sum refund is overseas emigration/loss of nationality, claims by phone or fax are not possible.
5) Internet billing through the website is only possible for those who have reached the age of 60 (reached payment age).
▶Required documents
– Request for lump sum refund
– Copy of ID (one of resident registration card, driver’s license, passport, sailor’s book, disabled welfare card, can be replaced with original)
– Beneficiary’s savings account
– Seal (signature possible)
– Additional required documents for each reason
▷Death: Documents proving death such as a death certificate, family relationship certificate (including resident registration number) related to the closed register of the deceased, and related documents if necessary to confirm livelihood.
▷Overseas migration
– Confirmation of overseas migration report or copy of residence passport
– When requesting before departure: Documents proving that you plan to leave the country within 1 month (airplane ticket, etc.)
▷ Loss of nationality: Detailed certificate of basic certificate (indicating the entire resident registration number) or certificate of loss of nationality
If you have any further questions, please contact the National Pension Service Call Center.
Domestic (without area code) 1355, overseas +82-63-713-6900
Wait~! There are things to keep in mind before requesting a lump sum refund.
△ Claim deadline ★
If the lump sum refund is not claimed within 5 years after the reason for payment occurred, the statute of limitations will expire and benefits will not be paid.
Additionally, if you reach payment age after January 25, 2018, the statute of limitations for lump sum refund is extended to 10 years. (Including those who have not reached the age of payment for less than 5 years as of the effective date of January 25, 2018!)
However, if the right to receive a lump-sum refund arose due to moving abroad or loss of nationality, the statute of limitations has been completed because the claim was not made for 5 years. However, if the right to receive a lump-sum refund arose due to reaching the age of 60 or death, the statute of limitations runs anew from that time. Therefore, it is possible to claim a lump sum refund. (Article 116 of the Act was newly established on July 23, 2007)
< If you are having trouble with the statute of limitations, sort it out all at once! >
reason
statute of limitations
Moving abroad, loss of nationality
5 years
Reach pension payment age
10 years
*Applies to those for whom the statute of limitations for lump-sum refund has not been completed due to reaching payment age at the time of enforcement (January 25, 2018)
△Payment is not possible due to reasons such as financial situation or resignation.
The purpose of the government’s pension system is to pay a certain amount of pension while alive, so you cannot receive a lump sum refund for reasons such as difficult circumstances or resignation from the company.
Lump sum refund of national pension, which is disappointing if you don’t know about it
In case unavoidable circumstances arise
Let’s keep this in mind~!
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