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If the pension reform currently under consideration is realized, it is likely that the amount of pension you can receive will increase. How much will the pension benefits increase?Special feature“The truth regarding pension anxiety in old age”In the final round (7 times in total), the true amount of pension received, which cannot be seen in the “Nenkin Regular Service” and the estimated amount of the Japan Pension Service, was calculated for the first time for households that are enrolled in the national pension as a couple. (Takahiro Takeda, Editor-in-Chief, Diamond Editorial Department)
Occupation among national pension members
Rapid increase in the ratio of non-regular employment
The proportion of non-regular employees among the members of the national pension is increasing rapidly.
According to the National Pension Insured Persons Survey, the ratio of temporary and part-time workers was 13.8% in 1996, but increased to 31.4% in 2019. On the other hand, the ratio of self-employed and family employees decreased from 39.3% to 23.7% during the same period.
A national pension originally created for self-employed people. If the application of the welfare pension to part-time workers, which is one of the pillars of the revision of the pension system in April 2010, is further expanded, the ratio of non-regular employees may decrease, but now it is non-regular employment. The ratio of people is higher.
Self-employed people can continue to work in old age and earn a living from the income they earn and the national pension (basic pension). However, there is no guarantee that non-regular employees will continue to work.
Therefore, the decline in the national pension benefit level becomes a problem. However, if the pension system reform currently under consideration to secure the level of the national pension is realized, the amount of the national pension to be received in the future will increase.
The actual situation cannot be seen from the amount of regular Nenkin flights and the estimated amount received by the Japan Pension Service. Because what is written there is not the actual amount received, but the current calculation standard.
It does not reflect changes in the nominal wage increase rate and price increase rate until the start date of payment, and the restraint of benefits due to the macroeconomic slide.
Therefore, on the premise of “Case V”, which is the most realistic case in the financial verification in 2019, we calculated the amount of pension that can be really received by incorporating the above variable factors.
So how much will it increase? From the next page onward, we will clarify the true amount of the initial estimate of how the amount of national pension received will change due to pension reform.
To read more …
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