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우리나라 年金保險에 關한 考察

Observations on Civil Servant retirement Benefits

공중보건잡지 1970년 7권 2호 p.733 ~ 745
김형회,
소속 상세정보
김형회 (  ) - 서울대학교 보건대학원

Abstract


It is one of the current policies of this country to introduce social insurance and expand it step by step. In order to obtain data required for the extension and development of pension insurance aimed at supporting the living of retired and aged persons, wisits were made to the Pension Bureau of the Ministry of Gvernment Administration from September 1 to October 20, 1970. As the results of studies and analysis conducted of data thus obtained on the operating status of the government employees´ pension system, the following conclusion was reached:
1) As of the end of 1970, the total number of government employees suject to the application of the Government Employees´s Pension Law was 410,150. Ordinary category employees constituted 49.1 per cent or the greatest proportion, educational employees 30 per cent, manual workers 20.7 per cent, and judges 0.2 per cent or the smallest proportion.
2) The government employees were broken down by seniority of service into the following gro-ups those with seniority one year to five years constituted 51.7 per cent or the greatest proportion, those with seniority of six 10 years 22.5 per cent, those with seniority of 11 to 15 years 9.9 per cent, those with seniority of 16 to 20 years 13.2 per cent, and those with seniority of more than 20 years only 2.7 per cent.
3) The average annul increase rate for the number of government employees entitled to benefit from the pension system was 5.9 per cent. Their retirement rate was6.1 per cent.
4) The government employees who retired in 1970 were broken down into the following groups of seniority:those with seniority of one year toi four years constuted 49.8 per cent or the greatest proportion, those with seniority of five to none years 26.5 per cent, and those with with seniority of 15 to 20 years 11.2 per cent or the smallest proportion.
5) Studies should be made to devise the method of benefiting the government employees excluded from the application of the Government Employees´ Pension Law and to set the scope of application under a consolidated system.
6) The greatest of the financial resources for the apyment of insurance money was procured by way of contribution made by the Government and premiums paid by employees. The rates of both the contribution made by the Government and the premium paid by employees were same at 2.3 per cent from 1962 to 1968, 2.5 per cent in 1969, and 5.5 per cent in 1970.
7) The payment of pension constituted the greatest percentage of insurance money paid, and the accumulated reserve funds and the reserve funds constituted large proportions, while managerial expenses occupied only 1 to 3 per cent.
8) The increase rate of the Pension Fund reached an average of 36 per cent per annum. Its amount increased from \1, 730,000,000 in 1962 to 13,560,000 at the end August 1970.
9) The rates of contribution made by the Government and premium paid by employees under the pension insurance policy should be determined in such a way as to insure their we living of government employees and the promotion of their welfare As measures incidental to the merger of the short-term insurance money(formedical treatment) and the long-term insurance mo-ney(for the payment of pension), it is recommended that the contribution rates be readjusted.
10) There were 16 kinds of insurance money comprising seven kinds of short-term insurance money and nine kinds of long-term insurance money. The short-term insurance money was to be paid for medical treatment, delivery of child, funeral and ritual, while the long-term insurance money was to be paid for retirement, injury, and the living expenses of breaved families.
11) The average annual payment of insurance money was \38,429 per case. The amount of short-term in surance money was\5,039 and that of long-term insurance money \86,050.
12) The average annual amount of contribution by each employee was \1,750 in 1962, \3,060 in 1967, and \6,900 in 1969. The average amount of benefit given to each employee reached \342 in 1962, \4,600 in 1967, and \13,600 in 1969.
13) The government employees´ pension system is a safe and permanent means of insuring their living. Its effects are being sharply elevated. Individual beneficiaries are free to choose a lump-sum payment or yearly installment payments. The ration of insurance money to the amount of contribution made by the beneficiary was 9.3-fold under the government employees´ pens-ion system the corresponding figure under the average rivate insurance policy was only 1.3-fold.
14) It is the fundamental objective to seek the qualitative improvement of insurance and to make it realistic as a means of supporting the living of the insured.
15) A single insurance prganization is recommended as a prerequisite to the consolidation of pension insurance. Also essential for the operation of insurance is to train skilled insurance personnel and appropriately assign them. In view of the improtance of statistics concerning insurance, the establishment of an organization exclusively engaged in statistics is desirable.

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