あけましておめでとうございます。

本年もどうぞよろしくお願いいたします。

 

さて新年一つ目から穏やかでない記事です。

 

*****

国民年金を強制徴収へ

 

 低迷する国民年金保険料の納付率を上げるため、厚生労働省は来年4月から徴収を強化する。所得が年400万円以上で13カ月以上滞納する全員を強制徴収の対象とする。納付しない人は延滞金を課せられたり、財産を差し押さえられたりする可能性がある。

 保険料の納付は義務だが、2012年度の納付率は59%にとどまる。日本年金機構が電話や戸別訪問などで納付を働きかけても応じない場合は、最終催告、督促、財産差し押さえといった強制徴収の手続きに入るルールだ。(以後省略) (年末の朝日新聞記事より)

 

*****

 

一人会社や、雇っても数人程度の零細企業で社会保険に入っていない会社の社長を念頭に考えてみます。すなわち社会保険対象者が自分一人の場合、社会保険に加入するのとしないのでどちらが得なのか

 

①年金の保険料

 社会保険に加入しない場合は、国民年金に加入となります。強制徴収となると未納が出来ませんから、月15,040円かかります(平成25年度)。

 社会保険加入の場合は厚生年金保険となります。厚生年金の保険料は、給料の額によって決まります。法人になると、法人から自分に払う給与(役員報酬)を自分で決めることになるので、いくらにしても構いません。仮に給与を月100,000円に設定すると、厚生年金保険料は最低限度額の月16,777円となります(平成25年9月~26年8月。正確にはこの額を労使で折半となるが、社長なので結局自分の財布から出すという意味で労使合算額で考えます)。

 月額で厚生年金保険の方が、1,737円だけ高くなります。仮に20年加入すると、416,880円の差がつきます。

 

②年金の受給額

 では将来の年金給付額はどうでしょう。

 国民年金に20年加入し、年金を20年受給したとします。この場合もらえるのは老齢基礎年金のみとなり、20年トータルで15,570,000円となります(今年度の計算式で)。

 厚生年金保険(給与月額10万円)に20年加入し、年金を20年受給したとします。この場合、上記老齢基礎年金に加え、老齢厚生年金も受給できます。老齢厚生年金の見込み額は20年トータルで3,420,000円ですので、年金のトータルは18,990,000円となります。

 よって、厚生年金の方が3,420,000円多くもらえることになります。

 

 月に1700円ちょっと多く払うだけで、将来の年金額は、年額で約17万円、20年貰って約340万円と大きく貰えることになるのです。これは老齢厚生年金が老齢基礎年金とは全く別個の制度ではなく、「老齢基礎年金の2階部分」の制度だからです。厚生年金に加入していれば、国民年金の保険料を払っていなくても自動的に国民年金にも加入していることになるのです

 

③健康保険について

 社会保険に加入となると、年金だけでなく、原則健康保険もセット加入となります。こちらも、自分で自由に決めた給与額によって保険料が決まるので、月10万円の給与とした場合、月11,436円です(労使合算額。40歳~64歳で北海道の場合)。

 社会保険に加入しない場合は国保に加入です。国保は自治体の違いや個人の営業収入以外の所得にもよるので何とも言えませんが、ご自分の今の国保の保険料と比べてどうでしょうか。むしろ安いという方が多いのではないでしょうか。個人事業主は売上の全てが保険料計算に組み込まれますが、健康保険だと自分で設定した給与額によるので、給与を少なくすれば保険料も少なくなるからです。

 もっとも給与を少なく設定し過ぎると、会社の内部留保の額が多くなり法人税や法人住民税が多くなるので、そことトータルで考えなければなりませんが、零細会社ならそれほど大きな額にならないはずです。

 

 という訳で、「社会保険は高い!」という「思い込み」をいったん外し、老後を含めた「人生トータル」で損得を考えてみることをお勧めします。一人で考えていても前に進まない場合、こういうときこそ社労士に相談してみることをお勧めします。

 

 

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