配偶者の死亡と年金繰り下げ：増額の条件を確認しよう

Summary

・年金繰り下げ、条件を確認　配偶者死亡で増額なし多く
・「自分は年金の繰り下げ増額ができないなんて」。今年初めに社会保険労務士に年金受給について相談した都内の男性（63）は落胆した。
・原因は厚生年金加入期間のあった妻を2年前に亡くし、遺族厚生年金の受給権が発生していたことだった。
・原則65歳から受給できる老齢年金。1カ月受給開始を遅らせるごとに0.7%増額され、増えた額が終身で続く。
・最大75歳まで遅らせられ、その場合84%増になる。
・遺族年金受給権で繰り下げできず
（出典：日本経済新聞2023年８月12日　朝刊　一部抜粋）

Introduction

年金の制度は複雑で、個人の状況に応じて異なります。特に遺族厚生年金と年金繰り下げに焦点を当て、都内のある男性の実例を通じて、理解を深めていきましょう。

Discussion

遺族厚生年金とは？

遺族厚生年金は、配偶者を亡くした方々に支給される年金の一つです。これは、亡くなった配偶者が厚生年金に加入していた場合に受け取ることができるもので、受給権が発生する条件があります。それについての詳細を見てみましょう。

ポイント

男性（63）の場合、彼の妻が厚生年金に加入しており、亡くなった時点で遺族厚生年金の受給権が発生していました。これがポイントです。

年金繰り下げとは？

一般的な老齢年金は、通常は65歳から受け取ることができます。しかし、遅らせて受け取る場合、増額されることがあります。年金を1カ月遅らせるごとに0.7%増額され、最大で75歳まで遅らせることができ、その場合、84%増になります。しかし、今回のケースですと、６３歳の時点で妻がなくなり、遺族厚生年金の受給権が発生したので、この繰り下げ増額制度が適用されないのです。

Conclusion

年金制度は複雑であり、特に遺族厚生年金と年金繰り下げについては、状況によって異なるルールが適用されます。小職のような社会保険労務士や専門家のアドバイスを受けることは非常に重要です。今回は、特定のケースに焦点を当てましたが、個別の状況に合わせたアドバイスを受けることが不可欠です。身近にいる社会保険労務士を上手に活用してくださいね。

Title: "Spouse's Death and Pension Deferral: Understanding the Conditions for Increased Benefits"

Summary:
・Pension deferral: Verify the conditions; often no increase in case of spouse's death.
・"I can't believe I can't increase my pension through deferral," said a 63-year-old man in Tokyo who consulted with a social insurance labor consultant earlier this year about pension receipt.
・The reason was the death of his wife, who had been a part of the Employee's Pension Insurance program, two years ago, which triggered eligibility for survivor's pension.
・Normally, the old-age pension can be received from the age of 65. For every month the start of payment is delayed, it increases by 0.7%, and the increased amount continues for life.
・It can be delayed until the maximum age of 75, in which case it increases by 84%.
・Unable to defer through survivor's pension eligibility.
Introduction:
Pension systems can be intricate, and they vary based on individual circumstances. This blog focuses on survivor's pension and pension deferral, using the case of a man living in Tokyo to help deepen our understanding.
(Excerpt from the Nikkei Newspaper, August 12, 2023, Morning Edition)

Discussion:
What is Survivor's Pension?
Survivor's Pension is one of the pensions provided to those who have lost their spouses. It can be received if the deceased spouse had been enrolled in the Employee's Pension Insurance program, subject to specific conditions for eligibility. Let's delve into the details of this.

Key Points:
In the case of a 63-year-old man, his wife had been enrolled in the Employee's Pension Insurance program, and upon her passing, he became eligible for survivor's pension. This is a crucial point to note.

What is Pension Deferral?
Typically, old-age pensions can be claimed starting at the age of 65. However, if you choose to delay the payment, the benefit amount can increase. For each month of deferral, it increases by 0.7%, and this increase remains in effect for life. It's possible to defer until the maximum age of 75, resulting in an 84% increase. However, in this particular case, at the age of 63, the man's wife passed away, triggering eligibility for survivor's pension, and as a result, the deferral increase mechanism does not apply.

Conclusion:
Pension systems are intricate, and especially when it comes to survivor's pension and pension deferral, different rules apply depending on the circumstances. Seeking advice from professionals like social insurance labor consultants is crucial. In this blog, we focused on a specific case, but it's essential to seek advice tailored to your individual situation. Make the most of the expertise of professionals like social insurance labor consultants available to you.