いまさら聞けない年金入門|公的年金制度のしくみについて

年金記録の消失などが、ニュースで問題になったことや、少子高齢化などを背景に、老後の生活に影響を与える年金に対して、不安を感じている人が多いのではないでしょうか。

公的年金には、いくつかの仕組みや制度が存在していて、きちんと把握しておくことが必要です。

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公的年金制度の役割とは

公的年金は、どのような仕組みによって成り立っている制度なのでしょうか。

基本的な仕組みとしては、現在働いている現役世代と呼ばれる人達が支払う保険料が、高齢者などへの年金給付の財源になるという形を採用しています。

世代間で支えあうことによって成り立っていて、保険金のほかにも、積立金や税金で賄われてる部分もあります。

特徴的な部分としては、成人の全員が加入する国民年金と、会社員などの人が加入する厚生年金などの、二層構造で構成されている点です。

職業や扶養されているかどうかによって分類され、第一号被保険者から第三号被保険者まで分けることができます。

例えば自営業者の場合、支払いの義務が発生するのは国民年金に対してのみで、毎月決められた金額を納めなければいけません。

老後になって年金を受け取る側になる時は、老齢基礎年金を受給することができ、厚生年金にも加入していた人は、老齢厚生年金を受け取ることが可能です。

現在の公的年金制度では、基本的には20歳から60歳の人が保険料として支払う必要があります。

公的年金の必要性と特徴

仕組みについてある程度知っていても、なぜ支払わなければいけないのかと考えている人もいるでしょう。

年金が必要な理由としては、予測不可能な未来に対して、社会が仕組みを作って備えるべきという考え方があることが挙げられます。

人は生きていく中で、交通事故や病気などの出来事によって働くことが難しくなることはあり得ます。

自分自身の生活を、自立したものにし続けるのは、個人の力だけではどうしても不可能なケースもあり、それを社会的に補うのが公的年金の役割です。

経済や社会環境が変化していく中で、社会全体の保障システムとして、大きな意味を持っています。

また、特徴として、老後に支給が開始されてから死ぬまで続き、配偶者を失うことがあっても、その条件に合わせて支給されるという点があります。

物価の変動に合わせて支給金額が変わるため、インフレが発生するようなことがあっても、その時の貨幣価値に見合った金額を受け取ることが可能です。

民間の保険商品の場合は、物価などが考慮されていないことが多いため、この点も大きな違いと言えます。

実際に年金を受け取る条件 公的年金が支給される側になるには、いくつかの条件を満たしていることが必要です。

多くの人にあてはまる一般的なものとしては、老齢基礎年金が挙げられ、現在では65歳以上の人に受給資格が発生します。

もらえる金額については、保険料を支払った期間や納めた金額に応じて異なるため、未納の時期があったり、猶予制度などを利用していたりする場合などは、それに応じて支給額が減ることになるでしょう。

また、身体に障害が発生して働けなくなったり、配偶者が死んだりすることで、受給できる仕組みもあります。

この場合は、若い人が当事者になる可能性も十分あるため、年齢を重ねるまで関係ないと考えずに、きちんと手続きができる知識を持っておくことが大切です。

経済的に納付することが難しい場合は、所得に応じて支払いの免除をすることができたり、支払い額を減らしてもらったりすることが可能です。

未納の状態が続いてしまっていると、重い障害を負ってしまった時に、受給することができなくなる可能性があるため、必要な手続きをしておきましょう。

少子高齢化への対策とは

公的年金は、高齢世代へ給付をするために、働いている世代の保険料が使われています。そのため、世代間の人口比率によって、個人の負担に大きな影響が出ます。

特に日本は、少子高齢化が進んでいるため、さらに若者世代への負担が大きくなっていくことが予想され、公的年金制度の存続自体を疑問視する声もあるようです。

国としては、年金制度を持続させるために、定期的な財政検証といった対策をとっています。

マクロ経済の視点から、保険料の水準が固定されるように調整を行っており、働いている世代の負担が大きくなりすぎないような工夫をしています。

また人口減少にともなって、働きたい高齢者や女性が、社会で活躍しやすいような環境を整えていくことが必須となるでしょう。

年金制度のような社会制度を、少子高齢化の中で持続させていくためには、働き手自体が増えていくような政策が、重要だと考えられています。

長期的な対策としては、上限を決めて保険料の水準を引き上げたり、国庫負担を増やしたりといったことが挙げられています。

それと同時に、積立金の活用も視野に入れているようです。

最後に

公的年金は、それぞれの世代が現役世代の頃に支払った保険料を中心に、賄われています。

人生の様々なリスクに対応するために必要な仕組みで、受給するためにはきちんと納付しなければいけません。

高齢化社会への対策も、いくつかとられています。

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