いまさら聞けない年金入門|年金状況を把握しておく

多くの方が、将来について不安に感じてしまうことがあります。その内容で多いものでは、お金に関する内容を挙げることができます。

将来に備えて、十分な蓄えを持っている方ならば、問題にならずに済ませられますが、そうではない方は年金に頼ることになるので、年金状況などを事前に把握しておく方法で安心できます。

年金の種類についての情報は大切です

年金の種類については、国民年金と厚生年金に分けることができます。公務員の方の場合では共済になりますが、基本的には厚生年金とあまり違いはありません。

アルバイト勤務などを行っていたり、無職の方のケース、自営業を行っている方のケースでは、国民年金が該当していることになり、受け取ることができる額面はその支払い内容によって違いがあります。

一般的には、満額を納付した方のケースでは約6万5千円程度とも言われており、この額面に関しては今後変わる可能性も十分にあるので、ある程度の目安として知ることが良い方法です。

一方で、厚生年金の対象者の場合では、会社員として勤務をしている方が該当しています。

会社側と社員が収入によって決められた額面を折半して支払っていることになり、当然ながら高収入を得ている方は、それだけ多くの額を納付していることになります。

年金状況に関しては、常に把握することも必要になり、会社員として勤務をしている方のケースでは、給料明細で支払っている額面で大よその納付額を知ることができます。

この方法であれば、未納問題も起きない状態にあるので、不安に感じる方はチェックしてみる必要があります。

納付期間に関しては重要な意味合いがあります

年金を将来受け取るためには、一定の条件というものが存在しています。長い期間にわたって決められていた内容に関しては、25年間以上を支払ってきた方が需給の対象者として成立していました。

この制度では、例えば20歳から納付した場合、45歳まで未納無しで支払った方が受給の対象となります。しかし、現在ではこの制度が変わっており、10年間の納付実績によって受給の対象者となることが決まっています。

10年間であれば、20歳から30歳までの期間を支払っている方、途中であっても35歳から45歳まで支払った方でも、将来受け取ることができる対象者になるので、優遇された制度として変化をしていることになります。

しかし、注意が必要な内容があります。10年間を納付した場合、いわゆる満額を受け取れるという訳ではありません。

できるだけ多くの額面を、長期間にわたって支払い続けた方の方が、将来に受け取れる額面が大きくなるシステムを採用しているので、年金に関しては、できるだけしっかりと支払うことが、何より大切な部分になり、将来に不安を持っている方ならば、欠かせない内容です。

年金状況をチェックする方法について

本人が支払ってきた年金状況について、十分に把握していない方が存在していることも事実です。

例えば学生時代から数年間にわたってフリーターとして仕事をしてきた方や、転職を行って無職の期間が長くなっている方、転職回数が多い方も対象になります。

20歳から直ぐに、会社員として仕事をしてきて、定年まで勤務してきた方のケースでは、あまり不安に感じることもありませんが、そうではない方の場合では、年金状況をチェックすることが必要です。

その方法に関しては、年金事務所に足を運ぶ方法が用意されています。

年金手帳を持って足を運ぶ方法で、過去に支払った一覧表を出してもらうことができ、年金の種類別で把握することができるので、支払った月数を直ぐに判断することができます。

長期間にわたって納付している場合では、問題なく支払いを受けることができますが、単発にて仕事をしてきたような方のケースでは、決められた月数が不足している可能性もあるので、随時チェックを行って不足している部分があれば、後から納付できる場合もあるので、システムを活用してみることもポイントです。

インターネット他を活用する方法もあります

支払ってきた年金状況については、定期便というものが存在しています。対象者に定期的に郵送にて送られてくる書類があり、その内容をチェックする方法でも、支払い経緯などを把握することができるので、忘れずに確認することが良い方法です。

他の方法の中には、インターネットを活用する方法も用意されていて、非常に便利に使うことができます。インターネット上には、専用のサイトが開設されており、個人ナンバーで管理を行うことができます。

支払状況を確認することも十分に可能ですが、将来に受け取れる年金額の目安を知る方法も用意されています。

これまで支払ってきた額面や、月数を入力するだけの簡単な作業で、サイト上で受け取り額の目安を知ることができるので、将来的な不安を抱えている方のケースでは、提示された額面を見ながら将来設計を行うことが良い方法です。

不足していると感じている方のケースでは、退職した後であっても、国民年金として支払う方法も用意されているので、随時年金状況を確認することは大切なことです。

現在では、窓口と郵便物、ネットで確認することができるので、便利な時代ということができます。

最後に

年金は、25年から10年に納付期間が短縮されていますが、それでも多くの年金を納めていることで、将来の受け取り額が大きくなります。

そのため、年金状況を小まめにチェックして、将来の受け取り額を把握することにより、安心した生活を送ることができるようになります。

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