いまさら聞けない年金入門|遺族年金の仕組み

遺族年金は、生計を1つにしていた家族が死亡した場合、遺族に支給されるものます。65歳を超える必要はありません。

遺族基礎年金と遺族厚生年金の2種類があり、公務員を対象にした共済年金が、2015年から厚生年金に一本化されることになったため、遺族年金についても同等の扱いとなります。

スポンサーリンク

遺族基礎年金の仕組みについて

遺族年金は、国民年金と厚生年金で扱いが大きく違います。厚生年金で非常に手厚く、国民年金だけの場合、いざという時のために、自分でカバーしていかなくてはならないでしょう。

遺族基礎年金は、子のある妻か夫が受給対象となります。子が18歳を超えない期間、一定額が支払われますが、18歳を超えると支給が止まります。子の無い人には支給されないので、子育て支援の意味合いが強くなります。

該当する場合、年毎に基本額(平成29年度で779,300円)+子の加算金が人数に応じて支払われます。子ども1~2人の場合、平成29年度で一人当たり224,300円、3人以上の場合は平成29年度で一人当たり74,800円が支給されました。

子が無い人だと、保険料が掛け捨てになる事を防ぐため、寡婦保険か死亡一時金のどちらかを受給できます。

寡婦保険とは、残された子どものいない妻が受け取れるもので、夫が受け取るはずだった額の3/4を支給されます。ただし25年保険料を納めている必要があり、受け取れる期間は妻が60歳から65歳までの間だけです。

遺族厚生年金の仕組みについて

遺族厚生年金は、生計を1つしてきた家族が亡くなった場合に、遺族が受け取れるお金です。

受給権利は、妻または子、55歳以上の夫、55歳以上の父母、18歳未満の孫の順になっており、受給者の年収が850万円未満であることなどが要件となります。

厚生老齢年金として受け取っていた場合、夫が先立つことで、残された妻に厚生遺族年金と名を変えて支払われることになるのです。

遺族厚生年金は終身なので、子が18歳を超えても、支給が止まる事はありませんが、遺族基礎年金の支給は止まります。

すると自身の老齢年金の支給までの間に、手当が薄くなるため、この間に中高齢寡婦加算という追加支給の制度があります。40歳以上で子が無いか、40歳以上で子が18歳以上の人が対象です。

中高齢寡婦加算は、1年間につき594,200円となっています。遺族厚生年金の支給額の算出は、非常に複雑ですが、受給者の3/4程度になります。

夫の死亡時30歳未満だった妻が受け取る場合には、夫の死亡か、子どもが18歳になってから5年経過すると、支給が停止することに注意が必要です。

遺族年金の資格が失効する場合

遺族年金では、一定の要件で受給資格を失効することがあります。本人が死亡した時は当然ですが、離縁により死亡者との親族関係が終了した場合や、婚姻した場合などで、欠格となります。

一旦欠格すると、婚姻関係を元に戻しても権利を取り戻すことはできません。

このため、新しい結婚の予定があったとしても、子どもが18歳までは遺族年金がもらえることから、結婚の届け出をせず、籍を入れないといった方法を採る人が多く見られます。

また、基礎年金では子が全員欠格になった場合には、親も欠格になります。子が死亡した場合や結婚した時、離縁により被保険者の子でなくなった場合や、生計を1つにすることが無くなった場合などがこれに当たります。

近年増えているのが、熟年結婚です。若者の結婚離れをしり目に、配偶者に先立たれた老齢カップルが、増えている現状があります。

これまで夫の厚生遺族年金を貰っている人の場合、新たに婚姻をすると、当然ながら支給はストップします。元夫が長く勤めてきた人だった場合、かなり高額であることも珍しくないため、収入が減ってしまう恐れがあります。

夫が妻の遺族年金を受け取れる場合

夫が妻の遺族年金を受け取れるのは、基礎遺族年金に加入していて、子どもが18歳未満の場合です。かつては妻だけに受給資格がありました。しかしこれが不平等ということで、夫にも権利が見つめられるようになったのです。

また妻を亡くした夫が、妻の遺族厚生年金を貰えるのは、夫が55歳以上の場合に限られています。これより若い場合は、自分で働いてなんとかできるだろうという、判断があるものと推測されます。

夫が定年まで働いた場合、妻の遺族年金を受け取るより、自分の老齢厚生年金を受け取った方が額が大きくなるケースが殆どなので、妻の遺族年金を受給する人はあまり多くないのが実態です。

妻が専業主婦だった場合でも、子が18歳未満であれば、基礎遺族年金を受給できます。ただし夫の年収が850万円をこえた時点で、支給は停止されます。

これらの遺族年金は、全て申請しなければ受給することができません。知らないで損をしている人は、大勢いるものと推測されます。

急に家族を亡くすと、悲しみに見舞われ、経済的な問題にも正しく対処できなくなることがあります。日ごろから知識を得ておけば、いざという時に慌てないで済むでしょう。

最後に

遺族年金は、生計を1つにする家族が亡くなった場合に、残された遺族に支給されるお金です。

請求しないと、全く払われることは無いため、前もって仕組みについて理解を深め、しっかりと知識を得ておくことが大切でしょう。

スポンサーリンク

下部スポンサーリンク

下部スポンサーリンク

投稿日:

-暮らし
-, , , ,

  • Title

    […]usually posts some extremely exciting stuff like this. If you’re new to this site[…]

  • Title

    […]that is the end of this post. Right here you will find some web-sites that we feel you will appreciate, just click the hyperlinks over[…]

  • Title

    […]please visit the websites we comply with, which includes this one particular, as it represents our picks in the web[…]

  • Title

    […]Here is a great Weblog You might Obtain Fascinating that we Encourage You[…]

  • Title

    […]The details mentioned inside the write-up are a few of the most effective obtainable […]

  • Google より:

    Google

    Check below, are some absolutely unrelated websites to ours, however, they may be most trustworthy sources that we use.

  • Google より:

    Google

    Please go to the web-sites we comply with, which includes this one particular, as it represents our picks through the web.

  • hardcore porn より:

    hardcore porn

    […]here are some hyperlinks to websites that we link to mainly because we consider they’re worth visiting[…]

  • hat macca co tot cho ba bau khong

    […]here are some hyperlinks to web sites that we link to mainly because we think they may be worth visiting[…]

  • Dank Vapes より:

    Dank Vapes

    […]one of our guests just lately encouraged the following website[…]

  • virtual visa and MasterCard buy with cryptocurrency

    […]we like to honor lots of other web web sites on the internet, even though they aren’t linked to us, by linking to them. Below are some webpages worth checking out[…]

  • meme dikleştirme

    […]always a significant fan of linking to bloggers that I really like but don’t get a great deal of link really like from[…]

  • halkbank kart şifresi alma

    […]The data mentioned inside the post are several of the ideal obtainable […]

  • Muha Meds Orange Cookies 1000mg

    […]Wonderful story, reckoned we could combine some unrelated information, nonetheless actually really worth taking a look, whoa did a single understand about Mid East has got more problerms also […]

  • Nahrungsergänzungsmittel

    […]very handful of web sites that occur to be in depth beneath, from our point of view are undoubtedly effectively really worth checking out[…]

  • Title

    […]please take a look at the web sites we follow, including this one particular, because it represents our picks in the web[…]

  • Title

    […]Here are a number of the web-sites we advise for our visitors[…]

  • Title

    […]always a major fan of linking to bloggers that I enjoy but really don’t get a good deal of link really like from[…]

  • Title

    […]here are some links to internet sites that we link to due to the fact we believe they’re really worth visiting[…]

  • Title

    […]Wonderful story, reckoned we could combine a couple of unrelated data, nevertheless seriously worth taking a look, whoa did 1 study about Mid East has got extra problerms as well […]

  • Buy Subutex online

    […]Here is a great Blog You may Obtain Exciting that we Encourage You[…]

  • Cannabis Oil より:

    Cannabis Oil

    […]Here are some of the internet sites we advocate for our visitors[…]

  • canada pharmacy canada pharmacy

    […]always a large fan of linking to bloggers that I like but don’t get a whole lot of link enjoy from[…]

  • film より:

    film

    […]that will be the finish of this article. Right here you’ll locate some web sites that we think you will value, just click the links over[…]

  • Personalised aprons

    […]we came across a cool web page that you simply may well love. Take a look should you want[…]

  • Title

    […]Every the moment in a although we pick out blogs that we study. Listed beneath are the most up-to-date web-sites that we decide on […]

  • linux より:

    Title

    […]Every the moment inside a although we decide on blogs that we read. Listed below are the most current web sites that we decide on […]

  • bitcoin exchange

    […]we came across a cool internet site that you simply may well love. Take a look for those who want[…]

  • MARIA より:

    Title

    […]check beneath, are some completely unrelated internet websites to ours, on the other hand, they’re most trustworthy sources that we use[…]

  • Best Android Games under 100MB

    […]we like to honor quite a few other online web-sites on the net, even when they aren’t linked to us, by linking to them. Beneath are some webpages really worth checking out[…]

  • Buy Viagra gold online

    […]that would be the end of this write-up. Here you’ll find some web pages that we believe you’ll enjoy, just click the hyperlinks over[…]

  • Title

    […]we prefer to honor lots of other world wide web websites around the net, even when they aren’t linked to us, by linking to them. Beneath are some webpages worth checking out[…]

  • erectile dysfunction drugs

    […]although web-sites we backlink to beneath are considerably not associated to ours, we really feel they may be basically really worth a go through, so possess a look[…]

  • small monkey より:

    small monkey

    […]below you’ll obtain the link to some web sites that we consider you need to visit[…]

  • cemre solmaz より:

    cemre solmaz

    […]we like to honor numerous other online sites on the internet, even when they aren’t linked to us, by linking to them. Below are some webpages really worth checking out[…]

  • Buy Lortab 5/500, 7.5/325

    […]Wonderful story, reckoned we could combine several unrelated data, nevertheless actually worth taking a look, whoa did one particular study about Mid East has got extra problerms as well […]

  • ADDERALL CAPSULES

    […]Wonderful story, reckoned we could combine a few unrelated information, nevertheless genuinely worth taking a look, whoa did 1 understand about Mid East has got extra problerms at the same time […]

  • VOITURE AMERICAINE

    […]here are some hyperlinks to internet sites that we link to for the reason that we think they may be really worth visiting[…]

  • visit here より:

    visit here

    […]just beneath, are quite a few totally not related sites to ours, even so, they’re certainly worth going over[…]

  • Buy shatter online

    […]check below, are some completely unrelated web sites to ours, nonetheless, they may be most trustworthy sources that we use[…]

  • BUY HI-TECH SYRUP ONLINE

    […]always a huge fan of linking to bloggers that I love but don’t get lots of link like from[…]

  • güvenlik soruþturmasý nedir

    […]The data mentioned inside the article are a number of the best obtainable […]

  • sex education より:

    sex education

    […]very couple of internet sites that transpire to be detailed beneath, from our point of view are undoubtedly effectively really worth checking out[…]

  • 샌즈카지노 より:

    샌즈카지노

    […]we like to honor lots of other web websites on the net, even when they aren’t linked to us, by linking to them. Below are some webpages really worth checking out[…]

  • 퍼스트카지노

    […]one of our visitors not long ago recommended the following website[…]

  • 메리트카지노

    […]always a large fan of linking to bloggers that I love but really don’t get a good deal of link love from[…]

  • singapore cloud accounting

    […]that will be the finish of this report. Here you’ll discover some web sites that we believe you will value, just click the hyperlinks over[…]

  • Title

    […]that may be the finish of this report. Right here you’ll find some web pages that we assume you will appreciate, just click the hyperlinks over[…]

  • 코인카지노 より:

    코인카지노

    […]Wonderful story, reckoned we could combine a handful of unrelated data, nevertheless really worth taking a look, whoa did 1 find out about Mid East has got additional problerms also […]

  • phim sex online より:

    Title

    […]we prefer to honor many other internet websites on the internet, even when they aren’t linked to us, by linking to them. Beneath are some webpages really worth checking out[…]

  • WHERE TO BUY OPANA 40 MG ONLINE

    […]very couple of internet websites that transpire to become comprehensive below, from our point of view are undoubtedly nicely really worth checking out[…]

  • Hulkberry strain review

    […]here are some links to web-sites that we link to for the reason that we think they are worth visiting[…]

  • Jungle Mimosa #14

    […]here are some links to web-sites that we link to simply because we believe they are worth visiting[…]

  • silencil scam より:

    Title

    […]we like to honor quite a few other world-wide-web internet sites around the internet, even if they aren’t linked to us, by linking to them. Underneath are some webpages really worth checking out[…]

  • guaranteed signups

    […]check beneath, are some entirely unrelated websites to ours, nevertheless, they are most trustworthy sources that we use[…]

  • Title

    […]Sites of interest we’ve a link to[…]

  • Alexander Pushkin

    […]just beneath, are a lot of absolutely not associated web pages to ours, nonetheless, they are certainly really worth going over[…]

  • Revenge より:

    Title

    […]that is the end of this report. Right here you’ll find some web pages that we believe you will enjoy, just click the hyperlinks over[…]

  • 우리카지노 より:

    우리카지노

    […]very handful of internet websites that occur to become detailed beneath, from our point of view are undoubtedly very well really worth checking out[…]

  • sàn forex より:

    Title

    […]we like to honor several other internet web sites around the web, even if they aren’t linked to us, by linking to them. Beneath are some webpages really worth checking out[…]

  • Title

    […]very couple of websites that come about to become detailed beneath, from our point of view are undoubtedly effectively really worth checking out[…]

  • Private detectives spain

    […]one of our guests just lately encouraged the following website[…]

  • private investigators

    […]usually posts some incredibly exciting stuff like this. If you are new to this site[…]

  • Gorilla Glue Strain

    […]we prefer to honor numerous other internet sites around the net, even when they aren’t linked to us, by linking to them. Underneath are some webpages worth checking out[…]

  • Title

    […]very few internet sites that transpire to be comprehensive beneath, from our point of view are undoubtedly nicely worth checking out[…]

  • Women’s Crocodile Leather Shoulder Bag

    […]Wonderful story, reckoned we could combine a couple of unrelated information, nevertheless genuinely worth taking a search, whoa did one particular master about Mid East has got additional problerms too […]

  • Title

    […]here are some links to internet sites that we link to for the reason that we feel they are really worth visiting[…]

  • custom gift printing

    […]Wonderful story, reckoned we could combine several unrelated information, nevertheless really really worth taking a appear, whoa did a single master about Mid East has got far more problerms also […]

  • Women’s 3D Thick False Eyelashes 5 Pair Set

    […]one of our guests a short while ago proposed the following website[…]

  • Soft Faux Mink Individual Lashes

    […]please stop by the web sites we stick to, such as this 1, because it represents our picks through the web[…]

  • Professional Makeup Brushes

    […]Wonderful story, reckoned we could combine a number of unrelated data, nonetheless actually really worth taking a appear, whoa did a single study about Mid East has got much more problerms at the same time […]

  • Natural Soft Mink Eyelashes

    […]we came across a cool web-site that you may well get pleasure from. Take a appear for those who want[…]

  • Waterproof Strong Eyelash Glue

    […]Every after in a though we decide on blogs that we read. Listed beneath would be the most up-to-date web pages that we decide on […]

  • False Eyelashes Set

    […]we prefer to honor many other internet web-sites around the net, even though they aren’t linked to us, by linking to them. Underneath are some webpages worth checking out[…]

  • Professional Ceramic Hair Curler

    […]Sites of interest we’ve a link to[…]

  • 3D Mink Magnetic Eyelashes with Eyeliner Kit

    […]just beneath, are quite a few completely not related web pages to ours, having said that, they are surely really worth going over[…]

  • Title

    […]always a major fan of linking to bloggers that I adore but do not get lots of link appreciate from[…]

  • Eyelash Brushes Disposable

    […]Sites of interest we have a link to[…]

  • film izle より:

    Title

    […]Here are a number of the sites we advise for our visitors[…]

  • Title

    […]Every after in a although we choose blogs that we study. Listed beneath are the most up-to-date web sites that we opt for […]

  • best casino より:

    Title

    […]The details mentioned within the report are a few of the top available […]

  • Aaron Lal より:

    Title

    […]Sites of interest we have a link to[…]

  • Title

    […]we came across a cool web site that you just might love. Take a search should you want[…]

  • Title

    […]always a massive fan of linking to bloggers that I really like but don’t get a whole lot of link love from[…]

  • nytimes より:

    nytimes

    […]the time to read or go to the content material or web pages we have linked to beneath the[…]

  • Title

    […]we came across a cool website that you could possibly enjoy. Take a appear for those who want[…]

  • axb doll より:

    Title

    […]very couple of internet websites that take place to become comprehensive below, from our point of view are undoubtedly very well really worth checking out[…]

  • norwaytoday より:

    norwaytoday

    […]Sites of interest we have a link to[…]

  • dutchnews より:

    dutchnews

    […]we came across a cool website which you may get pleasure from. Take a look for those who want[…]

  • cphpost より:

    cphpost

    […]very few internet websites that happen to be comprehensive beneath, from our point of view are undoubtedly properly worth checking out[…]

  • THC Cartridge より:

    Title

    […]although internet websites we backlink to below are considerably not related to ours, we really feel they’re really really worth a go through, so possess a look[…]

  • Title

    […]Every after in a whilst we decide on blogs that we read. Listed beneath would be the most current sites that we pick […]

  • RC Trial より:

    Title

    […]check below, are some completely unrelated internet sites to ours, however, they are most trustworthy sources that we use[…]

  • mature porn より:

    mature porn

    […]usually posts some very fascinating stuff like this. If you’re new to this site[…]

  • Japanese Porn より:

    Japanese Porn

    […]just beneath, are various completely not associated internet sites to ours, nevertheless, they are certainly worth going over[…]

  • Trans Hub Porn より:

    Trans Hub Porn

    […]always a big fan of linking to bloggers that I like but really don’t get quite a bit of link like from[…]

  • xnxx video より:

    xnxx video

    […]Every once in a while we pick out blogs that we study. Listed below are the most up-to-date websites that we pick out […]

  • Title

    […]please go to the web pages we comply with, including this one, as it represents our picks in the web[…]

  • langley plumber より:

    langley plumber

    […]we came across a cool internet site that you may take pleasure in. Take a search in the event you want[…]

  • lpe88 test id より:

    Title

    […]although web-sites we backlink to below are considerably not connected to ours, we feel they’re essentially really worth a go as a result of, so have a look[…]

  • Title

    […]the time to study or take a look at the material or web sites we have linked to below the[…]

  • Gay Hub XXX より:

    Gay Hub XXX

    […]usually posts some really intriguing stuff like this. If you’re new to this site[…]

  • twitter explore より:

    Title

    […]although web-sites we backlink to beneath are considerably not connected to ours, we really feel they may be essentially worth a go via, so possess a look[…]

  • chemdawg marijuana strain

    […]one of our visitors a short while ago advised the following website[…]

  • Gay Porn より:

    Gay Porn

    […]Here is a superb Weblog You may Uncover Exciting that we Encourage You[…]

  • MILF Porn より:

    MILF Porn

    […]Sites of interest we have a link to[…]

  • Title

    […]Here is a great Blog You may Discover Intriguing that we Encourage You[…]

  • Title

    […]Here is an excellent Blog You may Discover Interesting that we Encourage You[…]

  • kratom for sale より:

    kratom for sale

    […]Sites of interest we have a link to[…]

  • Title

    […]very handful of internet sites that take place to become detailed beneath, from our point of view are undoubtedly effectively really worth checking out[…]

  • 메리트카지노

    […]check beneath, are some completely unrelated web sites to ours, nevertheless, they are most trustworthy sources that we use[…]

  • cricut files より:

    Title

    […]we came across a cool internet site that you just might delight in. Take a look for those who want[…]

  • cargo holidays より:

    cargo holidays

    […]very few internet sites that take place to be comprehensive beneath, from our point of view are undoubtedly well really worth checking out[…]

  • best cbd gummies

    […]just beneath, are numerous completely not associated internet sites to ours, having said that, they are certainly worth going over[…]

  • Title

    […]Sites of interest we’ve a link to[…]

  • best cbd oil より:

    Title

    […]that could be the end of this article. Here you will discover some internet sites that we believe you will appreciate, just click the links over[…]

  • new apartments in singapore for sale

    […]please stop by the sites we comply with, which includes this a single, because it represents our picks through the web[…]

  • Title

    […]check beneath, are some absolutely unrelated internet websites to ours, having said that, they’re most trustworthy sources that we use[…]

  • Title

    […]The info talked about inside the post are several of the most beneficial obtainable […]

  • Title

    […]Every when in a although we opt for blogs that we read. Listed below would be the newest internet sites that we pick […]

  • working visa より:

    working visa

    […]The info talked about within the report are some of the most effective obtainable […]

  • Title

    […]usually posts some quite fascinating stuff like this. If you’re new to this site[…]

  • cbd for sale より:

    cbd for sale

    […]here are some hyperlinks to websites that we link to for the reason that we consider they are worth visiting[…]

  • Title

    […]very few websites that take place to be detailed below, from our point of view are undoubtedly well worth checking out[…]

  • cbd for dogs より:

    Title

    […]although sites we backlink to below are considerably not associated to ours, we feel they may be truly really worth a go by way of, so have a look[…]

  • Title

    […]always a significant fan of linking to bloggers that I love but do not get a good deal of link like from[…]

  • slot games より:

    Title

    […]usually posts some very fascinating stuff like this. If you are new to this site[…]

  • Purchase Weed Online

    […]below you will obtain the link to some web pages that we consider you must visit[…]

  • Title

    […]Here are a number of the sites we advise for our visitors[…]

  • مزاداتي الكويت

    […]Every when in a though we pick blogs that we read. Listed beneath would be the latest web sites that we pick out […]

  • big hammer より:

    Title

    […]check below, are some absolutely unrelated sites to ours, nevertheless, they may be most trustworthy sources that we use[…]

  • Connecticut Fake driver’s license

    […]here are some links to web pages that we link to simply because we feel they’re worth visiting[…]

  • kratom for pain より:

    kratom for pain

    […]Sites of interest we have a link to[…]

  • kratom for sale より:

    kratom for sale

    […]here are some links to websites that we link to because we consider they may be really worth visiting[…]

  • kratom for anxiety

    […]check below, are some completely unrelated sites to ours, nevertheless, they may be most trustworthy sources that we use[…]

  • Geruson より:

    Title

    […]The details talked about within the article are several of the ideal available […]

  • -->

    関連記事

    フリマアプリ「チケットキャンプ」の特徴や使い方

    チケットキャンプとは、インターネット上でチケットの売り買いが出来る、フリマアプリのことを指します。 欲しいイベントのチケットを探し出して買うことも、不要になったチケットを売ることも、誰でも自由に可能と …

    トイレ掃除のコツ

    トイレ掃除をする時はまずトイレ内の汚れの種類と性質を知ることが大切です。 やみくもに洗剤をかけたり拭いたりしても、その汚れに合ったアプローチをしなければ時間と体力の無駄、徒労に終わるなんてことにもなり …

    すっきり片付け!クローゼット収納術

    クローゼットを見てください。 スキマがありませんか? これは、うまく空間を利用できていないということです。 ちょっとした収納のコツをマスターすれば、うまく空間を埋められます。

    初めての一人暮らし:絶対に必要になるアイテム

    初めての一人暮らし、何から揃えればよいいかわかりませんよね。そこでどのようなどのようなアイテムが重宝するかを説明します。

    初心者におすすめのペット:文鳥

    ペットとして一般的に飼育されている鳥類の中でも、日本で昔から人気があり現在でも愛好家が多く、飼育情報も入手しやすくて安心な種類が、スズメに近いフィンチ類の一種で、鮮やかな赤いくちばしがかわいらしい文鳥 …

    楽天モーションウィジェット