いまさら聞けない年金入門|国民年金の付加年金制度とは

国民年金には、付加年金と言う制度があるのをご存知ですか。

400円と言うわずかな掛け金であるのは確かですが、これを加えて納付することで、意外にも2年で元が取れてしまうと言う魅力ある制度ですので、詳しく見て行きましょう。

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知らない方も意外と多い

国民年金の老齢年金、遺族年金、障害年金は知っていても、付加年金制度はあまり知られていません。

将来の受取額にも影響が出るものですので、知らないままで通常の保険料だけを掛けていれば、損をする結果になってしまいます。

付加年金制度で嬉しいのは、毎月の保険料が400円と言う安さです。ここまで安い金額ですので、ゆとりある経済状態でない場合でも納めやすくなるでしょう。

周知されていないために、わずかな保険料でお得な制度を知らないままで、老齢年金を受け取るのでは、損をしてしまいます。

これから、この制度を活用してみたいと言う方も出て来ると思われます。まずは、年金事務所やお住いの自治体の窓口で、相談をしてみましょう。

いつから始めて、いつ辞めても差し支えないので、検討しやすいのではないでしょうか。何より400円の保険料ですので、1年納付したとしてもわずか4800円ですので、ねん出しやすい金額なのも嬉しい魅力だと言えます。

周知されていない付加年金制度ですが、だんだんとメディアでも取り上げられる機会も増えました。注目をしておいて、損はしません。

付加年金制度は2年で元が取れる魅力がある

付加年金制度の大きな魅力は、2年の年金受給で、これまで納めた保険料を取り戻せることです。誰もが、400円の保険料であり、大した見返りがないのではと考えがちでしょうが、そうではありません。

金額を実際に確認していきますので、納得がいくようになるでしょう。

たとえば、10年間の付加年金の保険料は、48,000円になります。先々に受け取ることができる付加年金額は、200円かける納付した月数の計算になるので、10年間なら120か月になり、24,000円になります。

これを2年間受け取れば、48,000円になるので、元が取れる計算になります。ですから、それ以降受け取れる年数が長ければ長いほどさらにお得になります。

わずかな保険料でありながら、どの期間納付した場合であっても、この計算が成り立つわけです。結果的にいずれの納付期間であっても、こうした恩恵を受けられるのは、本当に魅力ある制度だと言えるのではないでしょうか。

知らないままでは、確実に損をすると言うのが、さらに金額の説明で理解いただけるでしょう。

国民年金の免除を受けている人は対象外

ただし、この付加年金制度は、国民年金の方が誰でも加入できるわけではない点にも、注意をしておいてください。こんなお得な制度なら、すぐにでも加入したいという方も、多いでしょう。

しかし、失業や収入の激減などの理由で、国民年金保険料の納付を免除する制度がありますが、この制度で申請をして承認されている場合には、全額免除や半額免除などの割合があり、納付しないで済むのですが、受給期間の算定には免除期間も加算されます。

しかし、付加年金制度は、こうしたお得な制度であるだけに、免除されている方がいくら400円なら納付できるといっても、加入そのものは認められていません。

そのためには、収入が回復してから定額の国民年金保険料を納めて、同時に付加年金にも加入することが必要になります。

少しの保険料で大きな魅力がある制度だけに、こうした制約があることも知っておくようにしましょう。逆に、保険料を切り詰めて納めている方なら、より魅力ある制度だといえるでしょう。

それほど、メリットがある制度であることは、変わりありません。

国民年金加入者なら加入できる

ただし、この付加年金制度は、加入できる人が限られています。国民年金を納付している人だけですので、厚生年金に加入しているケース、サラ-リーマンの妻、また、先ほど述べました免除の申請をして承認されている人は、対象外です。

しかし、一時的に、自営業になったことである、一定の時期から国民年金に変わったという方は、たとえ短い期間であっても、逆に有利になると考えてみることができます。

わずかな保険料で、老後に備えて、少しでもお得な金額を受け取れるように金額を増やすための得策だからです。

これまで、国民年金だから受取額が所詮知れていると思い込んでいたなら、チャンスと考えて付加年金制度をぜひ活用してみることをおすすめします。

ただし、これだけのメリットがある制度ですので、将来にわたり継続しているかどうかは明確ではないということは理解しておきましょう。

しかし、いずれにしても保険料が安いのは、誰もが掛けてみようと思わせる内容であるのは間違いないでしょう。

国民年金加入者は、この機会に見直しをしてみることをおすすめします。

最後に

これまで付加年金制度を知らなかった方も、該当していて加入できるのであれば、ぜひ、検討をしてみる価値があります。

少ない保険料で、元を取るのに2年しかかからない上に、長く受給すればさらにお得なので、ぜひ、加入をおすすめします。

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