Actual status of self-employed people taking part in pensions: 18% of people are not receiving benefits...Calls calling for countermeasures in South Korea

In South Korea, a survey revealed that approximately 18% of people enrolled in the national pension system may lose their eligibility for benefits due to their inability to pay premiums. In particular, self-employed people without an employer (individuals)
It has been pointed out that there is a high risk that small business owners (business owners) and small business owners (small business owners) will suffer a decline in income due to business closures or business closures, and that they will find it difficult to live in retirement. The government should support these people
Proposals have been made to consider system reform and financial input. According to the National Pension National Pension National Pension Long-term Enrollment Proposal report released by the National Diet Legislative Research Service on the 14th,
Of the 21,997,000 people enrolled (as of 2022), there are 3,064,000 people who are exempt from paying their insurance premiums and who have been in arrears for 13 months or more (880,200 people).
00 people) corresponds to 17.9% of the total. The majority of these are local subscribers, and are thought to include many self-employed people without employers and small business owners. These people are national
According to the Financial Services Act, as a local member, you are obligated to pay insurance premiums, but in many cases, your income is unstable, or your income is cut off due to business suspension or closure, and you may not be able to pay your insurance premiums. the result,
Periods in which insurance premiums are not paid will be excluded from the enrollment period, and there is a risk that the eligibility for benefits may not be met or the amount of benefits received may be lower.
Cases in which workplace participants (company employees) who deduct insurance premiums from their wages are delinquent or eligible for payment exemption.
In this sense, it can be said that the majority of people in the pension blind spot are local participants. Under the National Pension Act, small businessmen and self-employed people without an employer must join the pension system as local participants.
Therefore, a large proportion of local subscribers are thought to be small businessmen or self-employed people without an employer. In particular, the current national pension insurance premium support project is aimed at low-income workers working at small businesses.
In order to reduce the burden of enrolling in the national pension system, projects such as ``Durnuri Social Insurance Premium Support'' and ``National Treasury Subsidy for Pension Insurance Premiums for Agricultural and Fishery Workers'' are being implemented, but the targets are limited to workers, farmers, and fisheries workers. Been
ing. Therefore, it can be said that Korean society is currently unable to deal with the risk of bankruptcy in old age for self-employed people and others. The report states, ``Unlike workplace subscribers who share 9% of their standard monthly income with their employers,
"As a result, local participants, including self-employed people without an employer, receive almost no benefits from the support program, even though they pay the full 9%."
In addition, ``It is necessary to take government support measures targeting people who are likely to be exempted from paying their taxes or end up in a situation where they are in a long-term delinquent situation.''
is also proposed. The report first proposes a plan to extend the Durnuri program to self-employed individuals who are newly enrolled in the pension system, and provide support for 80% of their pension insurance premiums for three years. 11.4% of regional subscribers
If the Deulnuri project were to be expanded, approximately 389,000 people would be eligible for additional support, which would require approximately 280 billion won in annual financial support.
However, although this proposal can improve fairness between workplace subscribers and community subscribers, and between workers and self-employed people, it is a temporary measure for new subscribers.
There is a limit to how much support can be provided. Next, it proposes expanding the scope of ``national subsidy for agricultural and fishery workers' pension insurance premiums'' to include the self-employed. In this case, if you meet the income criteria,
Since support is provided continuously, it can be said to be more effective in reducing the number of people who are left behind. Self-employed people who applied for support among local subscribers with a standard monthly income of less than 1,030,000 won
One option would be to support 50% of the insurance premium, and if the amount is over 1,030,000 won, a fixed amount of 46,350 won per month could be provided. However, if the proportion of self-employed people who applied for support is 50%, then 1 trillion
It is expected that a huge amount of financial resources will be invested, amounting to over 1,000 yen. For this reason, the report states, ``After the implementation of the system, the support ratio will be reduced to 30% after a certain period, and if the standard monthly income is above a certain standard, the support ratio will be reduced to 30%.
We can work together to come up with a way to remove them from the list," he added. The report states, ``In Korean society, the reality is that some small-scale self-employed people face economic difficulties because they work in agriculture and fishing.''
``Although the fiscal situation is difficult, we must not spare fiscal resources on policy measures that are faithful to the basic policy direction of expanding the social safety net.''
Furthermore, ``the government is using a variety of tools to ensure that the national pension system is designed to favor low-income earners and
We should proactively make people aware of the fact that it is advantageous to pay pension premiums even if there are financial difficulties."