If you join a welfare pension after 60 years old, will your pension increase as a month?

If you join a welfare pension after the age of 60, will the pension increase as a month?

The welfare pension is basically a mechanism to join until the age of 60 and receive a pension benefit from the age of 65, but at present measures to ensure employment opportunities by raising retirement to 70 years old and re -employment system.Is taken.In this way, if you are working full -time at a business office that is obliged to join a welfare pension after the age of 60, it is necessary to continue to join the Employees' Pension until you reach the age of 70.In this article, I will explain the amount of pension increase when the enrollment period of old -age pensions, which will be the standard in the future, is extended.

Retirement and employee pension

Many companies will retire at the age of 60, but since the age of pension payment has been raised, employment opportunities for the elderly have been secured, and if they wish, continuous employment until the age of 70.Can be received.In addition, the need for joining pensions after continuous employment varies depending on the employment form.If you are working for more than three -quarters of the prescribed working hours and days of general employees, or at a business establishment with an employee of 501 or more, you will work more than 20 hours a year or more, and your monthly wage is 80,000.If it costs more than 8000 yen, there is a possibility that you will be obliged to join.

Mechanism of increased employee pension after 60 years old

Even after the age of 60, you can continue to join the welfare pension to increase the amount of old -age pension benefits.The amount of benefits due to extension of the enrollment period of the employee pension is required by the following calculation.・ Average standard remuneration amount x 5.481/1000 x monthly subscriptions * If the annual salary income is 2.4 million yen (average standard remuneration 200,000 yen) after joining April 2003, the increase due to the annual subscription period is the year.It will be about 13,000 yen, and the increase in the increase in the employee pension until the age of 65 and continues to work is 13,000 yen x 5 years, about 65,000 yen per year (about 5400 yen per month).。In addition, if you continue to join the employee pension for 10 years until the age of 70 with the same income, it will increase by about 130,000 yen (1800 yen per month) per year, but it feels smaller than the income of the active era.maybe.However, the increase in employee pensions increases not only for old -age benefits but also for bereaved pensions and other benefits, so it is also effective as a risk countermeasure in case of risk.