Magkano ang possible na matatanggap ninyong retirement pension dito sa Japan?

Oct. 20, 2017 (Fri), 2,080 views

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Kung kayo ay nagbabayad ng nenkin now, its a normal thing lang din siguro na gustong malaman kung magkano ang inyong matatanggap pagdating ng inyong retirement period. Its the right of every one, subalit walang exact amount talaga na masasabi sa inyo right now kung magkano talaga ang inyong matatanggap dahil ito ay naka-depende sa inyong maipapasok na contribution sa pension system ng Japan.

Kung gusto ninyong malaman ang amount na inyong makukuha for a certain period, hintayin ninyo ang pinapadalang NENKIN TEIKIBIN ng Japan Pension Office every year of your birthday. Nakasulat don sa notice kung magkano na ang inyong contribution amount at kung magkano ang maaari ninyong matanggap at that time.

Now, as a rough estimation lang, lets try to simulate kung magkano ang maaari ninyong matanggap na nenkin on your retirement period. Ang retirement pension ay maaaring ma-compute sa pamamagitan ng inyong contribution amount na inyong binabayaran monthly, at ang naging contribution period ninyo, ilang years and ilang months. Ito ang mga factors na ginagamit nila sa computation. The problem here is pabago-bago ang contribution amount ng bawat member dahil base ito sa kanilang annual salary particularly yong mga nagtatrabaho sa company and paying KOUSEI NENKIN.

In case na kayo ay nagbayad lang ng KOKUMIN NENKIN for your whole life until na mag-retire kayo, this is easy to compute. If you start paying your nenkin at age 20 years old, at natapos ng 40 years until 60 years old, sinasabing ang total amount na makukuha ay nasa 78 LAPAD a year. Divide this by 12 months, makakatanggap kayo ng mahigit 6 to 7 lapad monthly. Ito ang magiging NENKIN ninyo. Ang amount na ito ay nasa 3 TIMES ng binabayaran ninyong monthly contribution now (16,900 YEN for year 2017) sa KOKUMIN NENKIN. This is only a rough estimation at hindi po exact.

Now, kapag kayo naman ay nagbabayad ng inyong contribution sa KOUSEI NENKIN, iba po ang computation nito. As you know, kalahati ng binabayaran nyo monthly ay binabayaran din ng inyong employer or company. So ang makukuha nyong benefit or NENKIN ay dalawa din. KOKUMIN NENKIN at KOUSEI NENKIN. So kapag nag-retire na kayo, makukuha nyo yong 78 LAPAD sa KOKUMIN NENKIN plus yong sa KOUSEI NENKIN.

Ang computation sa KOUSEI NENKIN ay depende rin sa inyong annual salary at period of your contribution. As a rough estimation, kapag ang annual salary mo ay nasa 300 lapad and you paid for 40 years, the pension you will get from KOUSEI NENKIN ay nasa 65 LAPAD. Add this amount to KOKUMIN NENKIN, you will get 143 lapad yearly. Divide this by 12 months, you will get 11 to 12 LAPAD per month. Ito ngayon ang matatanggap nyong RETIREMENT PENSION at your retirement period.

For more estimation, kapag ang annual salary mo ay nasa 400 LAPAD, ang NENKIN na makukuha mo daw ay nasa 13 to 14 LAPAD. For 500 LAPAD annual salary, you will get 15 to 16 LAPAD, and for 600 LAPAD annual salary, you will get around 17 LAPAD. Around 700 LAPAD annual salary naman, you will get almost 19 LAPAD monthly on your pension, and around 750 LAPAD annual salary, you will get around 20 LAPAD pension monthly. Like I said, this is a rough estimation lamang dahil maraming factors ang maaaring maka-apekto on the actual computation on the time na tatanggap na kayo ng pension ninyo.

As a summary, mas madali siguro na isipin nyo na lamang na kung KOKUMIN NENKIN lang ang binabayaran nyo, magiging almost triple ang amount na inyong binayaran at the time na tatanggap na kayo ng pension. Sa mga nagbabayad naman sa KOUSEI NENKIN sa kanilang company, isipin nyo na lamang na magiging almost 5 TIMES or more ang binabayaran nyong amount now pagdating ng retirement ninyo at tatanggapin na ninyo ang inyong pension.

Since hindi lamang RETIREMENT PENSION ang benefit na matatanggap ninyo sa NENKIN dahil meron itong DISABILITY PENSION in case na meron mangyaring accident sa inyo, at BEREAVEMENT PENSION na maibibigay sa inyong maiiwang family in case na ma-accident at mawala kayo, in my own opinion, this is not a bad investment for your future.

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