김재원TV EP.157 2026년부터 국민연금 제도가 개편된다고? 몰라서 손해보는 2026 국민연금 총 정리

Did you think, "National Pension? Oh, everyone else gets it, so I'll just take it casually"? The amount you receive over your lifetime varies significantly depending on when and how you prepare and receive it! Join CEO Lee Young-ju, Korea's top pension management expert, to uncover the secrets to fully utilize the National Pension for a secure retirement for your family. 💡 Key Points of the Video *The State Guarantees Payment:* Starting in 2026, the state's guarantee of National Pension payments will be codified, so you do not need to worry about not receiving your pension due to fund depletion. *The Minimum Contribution Period is 10 Years:* You must complete 10 years of contributions to receive the pension, and you can recover your entire principal contributions within just about 5 years of starting to receive payments. *It Is Advantageous to Pay for a Long Period, Even with Small Amounts:* The secret to increasing your pension payout is maintaining a long contribution period, even with small amounts, rather than paying a large sum. Youths aged 8 and older must apply: Under the Youth Enrollment Support Act, if youths aged 18 or older apply, the government subsidizes the first month's premium (approximately 40,000 won), thereby granting them eligibility for 'deferred payment' later. Changes in pension amount based on receipt timing: Receiving it 5 years early results in a reduction of up to 30%, but receiving it 5 years later adds 7.2% annually, allowing you to receive a lifetime amount increased by up to 36%. The pitfalls of survivor's pensions: In cases of dual-income households or simultaneous enrollment by a married couple, if one spouse passes away, you must choose only the larger amount between the survivor's pension and the individual's own pension; the principal of the unchosen pension may be forfeited. Essential check for 'gray divorce': In the event of divorce, the other party's public pension is also subject to property division (divided pension), so you must negotiate the ratio and ensure you secure it. If you have any questions, we strongly recommend contacting the National Pension Service at any time for an individual consultation! #NationalPension #PreparingForOldAge #RetirementPlanning #RetirementPlanning #CEO LeeYoung-ju