いまさら聞けない年金入門|年金よりも生活保護の方がおトク?

老後に年金がもらえるのかどうか、不安を感じている人は少なくありません。

近年では、派遣や契約社員という雇用形態で働く人も増えており、厚生年金に加入をしていない期間が長い人や、加入はしていても支払っている金額が少ないために、老後にもらえるお金には期待できないという人も多いようです。

ここでは、年金と生活保護について解説をします。

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年金と生活保護ではどちらがお得?

年金と生活保護の場合、どちらがお得かということは一概には言えません。国民年金の場合ですと、月額5万円くらいしかもらっていないという人もいます。

厚生年金にも加入をしていれば、平均すると月額15万円くらいになるようです。公務員として働いていた夫婦の場合、夫婦合わせた年金の合計額が月50万円を超えるということもあるようです。

そうなってくると、圧倒的に生活保護よりも年金のほうがお得です。また、国民年金をもらっている人でも、条件を満たしていれば生活保護を受けることはできます。

年金は、きちんと納めていた人でないともらえないのに対して、生活保護のほうは条件さえ満たしていれば、国民年金の受給と両立させることができます。

老後の選択肢を増やすためには、国民年金をしっかりとおいたほうが良いでしょう。

生活保護は、最後のセーフティーネットと言われているように、車を保有することはできず、本当に最低限度の生活しかできません。

どちらがお得かと言えば、ほとんどの人にとって、年金のほうがお得という結論になるでしょう。

生活保護は必ず受けられるわけではない

生活保護は、自分で希望をして受けられるものではありません。親や親戚からの援助を受けられる人は、「親族に援助をしてもらってください」と言われてしまいます。

また、働ける能力がある人は、働かなくてはなりません。病気で一時的に働けない人は、生活保護を受けられる可能性が高くなりますが、病気が治ったら働くように指導をされるでしょう。

希望をすれば、必ず受けられるものではないため、自由度はかなり低いです。それに対して、年金のほうはそれまできちんと納めていたなら、原則として必ずもらえるものです。

将来もらえる年金が少なくなるという噂もありますが、それを言うならば生活保護という制度も、将来的になくなってしまっている可能性もあります。

どちらのほうが確実にもらえるのかと言ったら、年金のほうでしょう。また、資産を残せるということもポイントとなります。

土地などの資産を持っている人は、生活保護を受けることは原則としてできませんが、国民年金にはまったく影響しません。マイホームに住んでいる人は、国民年金と貯金だけでも十分に生活していけるという人もいます。

不正受給になってしまう可能性も

生活保護の、不正受給が問題になっています。土地などの資産を持っている人が、それを隠した状態で保護を受けたら、不正受給となってしまいます。

また、働いて収入を得ているのに、それを申告しなかったら不正受給となります。プライバシーの権利は基本的には守られますが、福祉事務所の審査で自宅を訪問され、家の中を見られるということはあるようです。

車を保有していないかどうか、ブランド品などの高価なものを保有していないかどうかなどが、チェックされます。その後も、定期的にケースワーカーが家にやってきて、様子を見に来ることがあります。

タンスの中を見られたりまではされないという意見も多いですが、怪しい部分がある人は、それなりに厳しくチェックされてしまうでしょう。

不正受給になってしまうリスクがあることや、ある程度はプライバシーを見せなければならないということは、人によっては精神的な負担となることでしょう。

生活保護を受けることが悪いことではありませんが、不正受給のニュースがたくさんでている近年では、悪いイメージを持たれてしまう可能性もあります。

人によってはメリットが大きくなる

正社員として働いており、ずっと厚生年金に加入をしていた人ならば、もらえる年金の金額は平均すると15万円前後になりますので、生活保護を受けるという選択肢は、そもそも浮かばないでしょう。

病気になってしまって、高額な医療費がかかってきたという場合でも、障害年金などのその他の制度を利用することを、まずは考えましょう。

あらゆる制度を活用しても、なお生活が困難であるというときの最後のセーフティーネットが生活保護です。

ずっとフリーターをやっていて、国民年金すら滞納をしていたという人にとっては、生活保護を受けたほうがメリットが大きくなる可能性もあります。

その場合でも、資産をもてないこと、家族に迷惑をかけてしまう可能性があること、働ける能力があるなら働かなくてはならないことなど、デメリットについてもしっかりと理解をしておくべきです。

基本的には、どちらのほうが良いということよりも、あらゆる制度を活用し、自分の能力もフル活用した上で、それでも生活ができないときに頼る制度ですので、比較をすること自体間違っているという意見もあります。

最後に

基本的には、年金はしっかりと納めておいたほうが良いです。人生なにがあるかわからないので、みんながやっていることを自分だけしていないと、後で後悔をする可能性が高いでしょう。

どうしても生活ができないというときに限って、生活保護を検討してみましょう。

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