As unemployment increases these days and many self-employed people close their businesses, I know that there are a lot of people who feel that the monthly health insurance premiums and national pension are burdensome.
I usually pay without thinking, but when the money coming in decreases, these parts are the most painful. In the case of health insurance, the government adjusts it according to income, but the national pension is adjusted according to income, but it does not mean that you cannot be charged because you have no income, so if you have no income, you must apply for adjustment yourself. 국민연금 해지
There are two ways to cancel the national pension. 좋은뉴스
1. When you reach the age of 60: This is a lump-sum refund when you reach the age of 60, which is the time to receive the pension, even though you have been enrolled in the pension for less than 10 years.
2. Overseas migration, loss of nationality: The second is when you live abroad by acquiring permanent residency in another country, or if you lose your Korean nationality by acquiring citizenship in another country. can be paid for.
Monthly mail from the National Health Insurance Corporation
In fact, is the national pension a quasi-tax?
If the above two conditions are not applicable, it is virtually impossible to cancel the national pension.
That’s why many people joke that they write it as a pension and read it as a tax. (However, the tax is not refunded, but the national pension is refunded after the age of 60, so I don’t think it’s too wasteful)
Let’s temporarily suspend the payment of the national pension
However, the national pension does not take a small amount of pension just because I have no income. They take 9% of their income. So, when I was at work, even if I paid 9% at a time and quit my job and became unemployed, the national pension is still billed as much as the amount when I was at work.
And if you overdue the national pension, you will be added to the arrears, which will continue to accumulate as a greater burden later. Also, if you continue to fail to pay, you will be forced to foreclose, so you can’t just crush the piles of reminders. That’s why you can’t get overseas citizenship and cancel the national pension!
In that case, you can reduce the burden by using the ‘Payment Exception Application’ system that temporarily delays the payment of the national pension.
The National Pension Payment Exception is a necessary system that temporarily suspends pension payments when there is no income, and then pays them when there is income again. If this system did not exist, many people would probably become clowns.
Now, I will tell you how to apply for an exemption from the national pension payment one by one.
1. For office workers
For office workers, since their income is immediately identified, they can be processed immediately by calling the Pension Service (number 1355) and requesting an exemption from payment.
2. In the case of self-employment or part-time job or freelancer
In the case of a self-employed person, you can print out and submit a certificate of business closure stating that you have closed your business. (If you go to Internet Home Tax, there is a menu item)
Part-time jobs or freelancers do not have data to prove that their income has disappeared, so you must bring your own ‘Certificate of Dismissal’ and prove it.
A certificate of dismissal is obtained from the employer you worked for. There are usually a lot of people who don’t know well, so many of them wrote it themselves, received the business owner’s seal, and submitted it.
certificate of dismissal
The photo above is a certificate of dismissal that allows you to temporarily defer the national pension.
The forms in other places are all Hangeul hwp files or Ms.doc word files, so it was inconvenient to open and print the files. I made this with a photo file myself, so you can just save the photo or download the attached photo file and print it out right away. (The attached file below is made by me in Photoshop, so you can download it without any worries)
certificate of dismissal photo file.jpg
0.37MB
I made it in a blank form, so you can fill in the contents with a pen and submit it to the National Health Insurance Service.
In case you don’t know, I’ve written a simple example below, so please refer to it.
Applicant: Your name
Resident Registration Number: Personal Registration Number
Address: your address
Service Period: (Period of service in the company)
Content of service: (work in the company ex. office assistant, translation, document editing, store assistant, etc.)
Use: For institutional submission
After writing this down, just get a seal from the company representative and you’re done!
If you visit the National Pension Service in person with this document or send it by fax or mail, your payment will be suspended from that month or the next month.
More than that, it was a way to cancel the national pension and exempt from payment