{"id":71,"date":"2011-12-03T23:48:00","date_gmt":"2011-12-03T23:48:00","guid":{"rendered":"https:\/\/retirebooja.com\/blog\/?p=71"},"modified":"2024-03-01T00:51:50","modified_gmt":"2024-03-01T00:51:50","slug":"%eb%af%b8%ea%b5%ad-%ec%82%ac%ed%9a%8c%eb%b3%b4%ec%9e%a5%ec%97%b0%ea%b8%88ss%ea%b3%bc-%ed%95%9c%ea%b5%ad-%ea%b5%ad%eb%af%bc%ec%97%b0%ea%b8%88nps","status":"publish","type":"post","link":"https:\/\/retirebooja.com\/blog\/%eb%af%b8%ea%b5%ad-%ec%82%ac%ed%9a%8c%eb%b3%b4%ec%9e%a5%ec%97%b0%ea%b8%88ss%ea%b3%bc-%ed%95%9c%ea%b5%ad-%ea%b5%ad%eb%af%bc%ec%97%b0%ea%b8%88nps\/","title":{"rendered":"\ubbf8\uad6d \uc0ac\ud68c\ubcf4\uc7a5\uc5f0\uae08(SS)\uacfc \ud55c\uad6d \uad6d\ubbfc\uc5f0\uae08(NPS)"},"content":{"rendered":"\n
\n

\uc9c0\uc0c1\uc0ac \uc694\uc6d0\uc73c\ub85c \ubbf8\uad6d\uc5d0\uc11c \ud55c\uad6d\uc73c\ub85c \uadc0\uad6d\ud558\ub294 \uacbd\uc6b0 \ud574\uc678\ud30c\uacac \uae30\uac04\ub3d9\uc548 \ubbf8\uad6d\uc5d0 \ub0a9\ubd80\ud55c \uc0ac\ud68c\ubcf4\uc7a5\uc138(social security tax)\uc5d0 \ub300\ud55c \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\uc744 \uac83\uc778\uac00?<\/p>\n\n\n\n

\ubc18\ub300\ub85c \ud55c\uad6d\uc5d0\uc11c \ubbf8\uad6d\uc73c\ub85c \uc774\uc8fc\ud558\uae30 \uc804 \ud55c\uad6d\uc5d0\uc11c \ub0a9\ubd80\ud55c \uad6d\ubbfc\uc5f0\uae08\uc744 \ubbf8\uad6d\uc5d0\uc11c<\/p>\n\n\n\n

\uc218\ub839\ud560 \uc218 \uc788\ub294\uc9c0?  \uc774\ub97c \uc798 \ubab0\ub77c \ud61c\ud0dd\uc744 \ub193\uce58\ub294 \uacbd\uc6b0\uac00 \uc788\ub2e4.  \uadf8 \ub0b4\uc6a9\uacfc \uc2e0\uccad\ubc95\uc5d0<\/p>\n\n\n\n

\ub300\ud558\uc5ec \uc0b4\ud3b4\ubcf4\uae30\ub85c \ud55c\ub2e4.<\/p>\n<\/div>\n\n\n\n

1. <\/strong>\ubbf8\uad6d <\/strong>\uc0ac\ud68c\ubcf4\uc7a5\uc5f0\uae08 <\/strong>\uac1c\uc694<\/strong><\/p>\n\n\n\n

\n

    \ubbf8\uad6d\uc758 \uc0ac\ud68c\ubcf4\uc7a5\uc5f0\uae08(Social Security Benefit)\uc740 \ub300\uacf5\ud669 \uc774\ud6c4 1935\ub144\uc5d0 \uc2dc\ud589\ub418\uc5b4<\/p>\n\n\n\n

    76\ub144\uc744 \uae30\ub85d\ud558\uace0 \uc788\ub2e4.  \uc774 \uc5f0\uae08\uc744 \ubc1b\uc744 \uc218 \uc788\ub294 \uc790\uaca9\uc740 40 \ub178\ub3d9 \ud06c\ub808\ub527 (work credit)\uc744<\/p>\n\n\n\n

    \ubc1b\uc544\uc57c \ud558\uace0 1\ub144\uc5d0 \ucd1d 4\ud06c\ub808\ub527\uc744 \ubc1b\uc744 \uc218 \uc788\ub294\ub370 10\ub144\uc774 \uac78\ub9ac\ub294 \uc148\uc774\ub2e4.  \ucd5c\uc18c\ud55c<\/p>\n\n\n\n

    10\ub144 \ub3d9\uc548 \uc0ac\ud68c\ubcf4\uc7a5\uc138\ub97c \ub0a9\ubd80\ud574\uc57c \uc0ac\ud68c\ubcf4\uc7a5\uc5f0\uae08\uc744 \ubc1b\uc744 \uc790\uaca9\uc774 \uc8fc\uc5b4\uc9c4\ub2e4.<\/p>\n\n\n\n

    \ubbf8\uc2dc\ubbfc\uad8c\uc790\ub098 \uc601\uc8fc\uad8c\uc790\uac00 \uc544\ub2c8\ub354\ub77c\ub3c4 \ud569\ubc95 \uccb4\ub958 \uc2e0\ubd84\uc73c\ub85c \uc704\uc5d0\uc11c \uc5b8\uae09\ud55c 40 \ub178\ub3d9 \ud06c\ub808\ub527\uc744<\/p>\n\n\n\n

    \uc313\uc544 \uc0ac\ud68c\ubcf4\uc7a5\uc138\ub97c \ub0a9\ubd80\ud588\uc73c\uba74 \uc138\uacc4 \uc5b4\ub290 \uacf3\uc5d0 \uc0b4\ub354\ub77c\ub3c4 \uc774 \uc5f0\uae08\uc744 \ud3c9\uc0dd \ubc1b\uc744 \uc218 \uc788\ub2e4.<\/p>\n<\/div>\n\n\n\n

2.  <\/strong>\ud55c\uad6d <\/strong>\uad6d\ubbfc\uc5f0\uae08 <\/strong>\uac1c\uc694<\/strong><\/p>\n\n\n\n

\n

      \ud55c\uad6d\uc758 \uad6d\ubbfc\uc5f0\uae08(National Pension Service of Korea)\uc740 1988\ub144 1\uc6d4\uc5d0 \uc2dc\ud589\ub418\uc5b4 23\ub144\uc774       <\/p>\n\n\n\n

      \ub418\uc5c8\ub2e4.  \uac00\uc785\ub300\uc0c1\uc740 \uad6d\ub0b4\uac70\uc8fc \uad6d\ubbfc\uc73c\ub85c 18\uc138 \uc774\uc0c1 60\uc138 \ubbf8\ub9cc\uc73c\ub85c \uc6d4 \uc18c\ub4dd\uc758 9%\ub97c<\/p>\n\n\n\n

      \uc5f0\uae08\uc73c\ub85c \uc801\ub9bd\ud558\ub3c4\ub85d \ud558\uace0 \uc788\ub2e4.  1988\ub144 \uc774\uc804 \ubbf8\uad6d\uc73c\ub85c \uc774\ubbfc \uc628 \ud55c\uc778\uc740 \uad6d\ubbfc \uc5f0\uae08 \ub0a9\ubd80<\/p>\n\n\n\n

      \ub300\uc0c1\uc774 \uc544\ub2c8\ubbc0\ub85c \uc218\ud61c\ub300\uc0c1\uc5d0\uc11c \uc81c\uc678\ub41c\ub2e4.  \uad6d\ubbfc\uc5f0\uae08\uc758 \uc131\uacf5\uc801\uc778 \uc6b4\uc601\uc73c\ub85c \uc791\uae08 \uc138\uacc4 4\uc704<\/p>\n\n\n\n

      \uc5f0\uae08 \ud504\ub85c\uadf8\ub7a8\uc73c\ub85c \ubd80\uc0c1\ud558\uace0 \uc788\ub2e4.<\/p>\n<\/div>\n\n\n\n

3.  <\/strong>\ud55c.<\/strong>\ubbf8 <\/strong>\uc0ac\ud68c\ubcf4\uc7a5 <\/strong>\ud611\uc815<\/strong><\/p>\n\n\n\n

\n

     \ud55c.\ubbf8 \uc591\uad6d\uc740 2001\ub144 4\uc6d4 1\uc77c \uc0ac\ud68c\ubcf4\uc7a5\ud611\uc815\uc744 \uccb4\uacb0\ud588\ub2e4. \uc0ac\ud68c\ubcf4\uc7a5\ud611\uc815\uc758 \ud615\ud0dc\ub294<\/p>\n\n\n\n

     \u201c\uac00\uc785\uae30\uac04 \ud569\uc0b0\ud611\uc815\u201d (Totalization Agreement)\uacfc \u201c\ubcf4\ud5d8\ub8cc \uba74\uc81c\ud611\uc815\u201d(Contribution Only<\/p>\n\n\n\n

     Agreement)\uc73c\ub85c \ud06c\uac8c \uad6c\ubd84\ub418\ub294\ub370 \ud55c.\ubbf8\uc591\uad6d\uc740 \ubcf4\ud5d8\ub8cc \uba74\uc81c\ub97c \ub0b4\ud3ec\ud55c \uac00\uc785\uae30\uac04 \ud569\uc0b0<\/p>\n\n\n\n

     \ud611\uc815\uc73c\ub85c \ub0a9\uc785\uae30\uac04\uc744 \uacf5\uc720\ud558\uace0 \uc788\ub2e4.  \uc989 \uc5f0\uae08 \uc218\uae09\uc758 \ucda9\uc871\uae30\uac04(10\ub144) \uc0b0\uc815 \ub54c \uc591\uad6d\uc758<\/p>\n\n\n\n

     \uc5f0\uae08\uae30\uac04\uc744 \ud569\uc0b0\ud574 \uc900\ub2e4\ub294 \uc810\uc774\ub2e4.   <\/p>\n\n\n\n

      \uac00\ub839 \ud55c\uad6d\uc5d0\uc11c 5\ub144 \ub3d9\uc548 \uad6d\ubbfc\uc5f0\uae08\uc744 \ub0a9\ubd80\ud558\uace0 \ubbf8\uad6d\uc774\uc8fc \ud6c4 8\ub144\ub3d9\uc548 \uc18c\uc15c\uc2dc\ud050\ub9ac\ud2f0<\/p>\n\n\n\n

     \uc5f0\uae08\uc744 \ub0a9\ubd80\ud588\uc744 \ub54c \uac1c\ubcc4\uc801\uc73c\ub85c\ub294 \ud55c\uad6d\uacfc \ubbf8\uad6d\uc758 \ub0a9\uc785\uae30\uac04\uc778 10\ub144\uc744 \ucda9\uc871\uc2dc\ud0a4\uc9c0<\/p>\n\n\n\n

     \ubabb\ud558\ub098 \uc774 \ud611\uc815\uc5d0 \ub530\ub77c \ud569\uc0b0\uae30\uac04 13\ub144\uc744 \uc778\uc815\ubc1b\uc544 \uc591\uad6d \ubaa8\ub450\ub85c\ubd80\ud130 \uc5f0\uae08\uc744 \uc9c0\uae09\ubc1b\uc744<\/p>\n\n\n\n

     \uc218 \uc788\ub2e4.<\/p>\n<\/div>\n\n\n\n

 4.      <\/strong>\ud55c.<\/strong>\ubbf8 <\/strong>\uc5f0\uae08 <\/strong>\ub0a9\ubd80 <\/strong>\ubc0f <\/strong>\uc218\ub839<\/strong><\/p>\n\n\n\n

\n

\ud55c\uad6d \uad6d\ubbfc\uc5f0\uae08\uc740 \uc591\uad6d \ub0a9\uc785\uae30\uac04\uc744 \ud569\uccd0 10\ub144\uc744 \ub118\uacbc\uace0 60\uc138 \uc774\uc0c1\uc774\uba74<\/p>\n\n\n\n

\uad6d\ubbfc\uc5f0\uae08\uc744 \uccad\uad6c\ud560 \uc218 \uc788\ub2e4.  \ud55c\uad6d\uc740 \uc77c\uc2dc\uae08\uc73c\ub85c \uc218\ub839\ud560 \uc218\ub3c4 \uc788\ub2e4. \uc5f0\uae08<\/p>\n\n\n\n

\ub0a9\ubd80\ub0b4\uc5ed\uacfc \uc2e0\uccad\uc694\ub839\uc744 \uacf5\ub2e8 \uc6f9\uc0ac\uc774\ud2b8 www.npa.or.kr<\/a>\ub97c \ud1b5\ud574 \ud655\uc778\uac00\ub2a5\ud558\ub2e4.<\/p>\n\n\n\n

\ubbf8\uad6d \uc0ac\ud68c\ubcf4\uc7a5\uc5f0\uae08\uc740 \ubd09\uae09\uc0dd\ud65c\uc790 \uacbd\uc6b0 \uc6d4\uae09\uc758 6.2%\uac00 \ub9e4\uaca8\uc9c0\uace0 \uac19\uc740 \uc561\uc218\ub9cc\ud07c<\/p>\n\n\n\n

\uace0\uc6a9\uc8fc\uac00 \ubd80\ub2f4\ud55c\ub2e4. \uc870\uae30\uc740\ud1f4 \uacbd\uc6b0 62\uc138\ubd80\ud130 \uc218\ub839\uac00\ub2a5\ud558\uba70 www.ssa.gov<\/a>\uc5d0 \uac00\uba74<\/p>\n\n\n\n

\ubaa8\ub4e0 \uad00\ub828 \uc815\ubcf4\uac00 \uc218\ub85d\ub418\uc5b4\uc788\ub2e4.<\/p>\n<\/div>\n\n\n\n

\n

\ubbf8\uad6d\uc73c\ub85c \uc774\ubbfc\uc744 \uc624\uac70\ub098 \ud574\uc678 \ud30c\uacac \uadfc\ubb34\ub85c \uc5f0\uae08 \uac00\uc785\uae30\uac04\uc774 \ubd84\ub9ac\ub418\uc5b4 \uac00\uc785\uae30\uac04 \ubd80\uc871\uc73c\ub85c<\/p>\n\n\n\n

\uc778\ud558\uc5ec \uc5b4\ub290 \uc77c\ubc29 \uad6d\uac00\uc758 \uc5f0\uae08\uc744 \ubc1b\uc9c0 \ubabb\ud560 \uc218\ub3c4 \uc788\ub2e4. \uadf8\ub7ec\ub098 \ud55c.\ubbf8\uc0ac\ud68c\uc5f0\uae08\ubcf4\uc7a5 \ud611\uc815\uc744<\/p>\n\n\n\n

\ud1b5\ud574 \uc591\uad6d \uc5f0\uae08\ud504\ub85c\uadf8\ub7a8\uc758 \ub0a9\uc785\uae30\uac04\uc744 \uacf5\uc720\ud558\uace0 \uc788\uc73c\ub098 \uc9c0\uae08\uae4c\uc9c0 \uc778\uc2dd \ubd80\uc871\uc73c\ub85c \uc2e4\uc81c\ub85c<\/p>\n\n\n\n

\ud61c\ud0dd\uc744 \ubc1b\ub294 \uacbd\uc6b0\ub294 \ub9ce\uc774 \ubcf4\uc9c0 \ubabb\ud558\uc600\ub2e4.  \ud574\ub2f9\uc790\ub4e4\uc740 \uc790\uc2e0\uc758 \uad8c\ub9ac\ub97c \ucc3e\uc544 \uc774\ub7ec\ud55c \ud61c\ud0dd\uc744<\/p>\n\n\n\n

\ubc1b\uc544\uc57c \ud560 \uac83\uc774\ub2e4.<\/p>\n<\/div>\n\n\n\n

\uae40\uc7a5\uc2dd,CPA<\/p>\n\n\n\n

(858) 922-1015<\/p>\n","protected":false},"excerpt":{"rendered":"

\uc9c0\uc0c1\uc0ac \uc694\uc6d0\uc73c\ub85c \ubbf8\uad6d\uc5d0\uc11c \ud55c\uad6d\uc73c\ub85c \uadc0\uad6d\ud558\ub294 \uacbd\uc6b0 \ud574\uc678\ud30c\uacac \uae30\uac04\ub3d9\uc548 \ubbf8\uad6d\uc5d0 \ub0a9\ubd80\ud55c \uc0ac\ud68c\ubcf4\uc7a5\uc138(social security tax)\uc5d0 \ub300\ud55c \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\uc744 \uac83\uc778\uac00? \ubc18\ub300\ub85c \ud55c\uad6d\uc5d0\uc11c \ubbf8\uad6d\uc73c\ub85c \uc774\uc8fc\ud558\uae30 \uc804 \ud55c\uad6d\uc5d0\uc11c \ub0a9\ubd80\ud55c \uad6d\ubbfc\uc5f0\uae08\uc744 \ubbf8\uad6d\uc5d0\uc11c \uc218\ub839\ud560 \uc218 \uc788\ub294\uc9c0?  \uc774\ub97c \uc798 \ubab0\ub77c \ud61c\ud0dd\uc744 \ub193\uce58\ub294 \uacbd\uc6b0\uac00 \uc788\ub2e4.  \uadf8 \ub0b4\uc6a9\uacfc \uc2e0\uccad\ubc95\uc5d0 \ub300\ud558\uc5ec \uc0b4\ud3b4\ubcf4\uae30\ub85c \ud55c\ub2e4. 1. \ubbf8\uad6d \uc0ac\ud68c\ubcf4\uc7a5\uc5f0\uae08 \uac1c\uc694     \ubbf8\uad6d\uc758 \uc0ac\ud68c\ubcf4\uc7a5\uc5f0\uae08(Social Security Benefit)\uc740 \ub300\uacf5\ud669 \uc774\ud6c4 1935\ub144\uc5d0 \uc2dc\ud589\ub418\uc5b4     76\ub144\uc744 \uae30\ub85d\ud558\uace0 \uc788\ub2e4.  \uc774 \uc5f0\uae08\uc744 \ubc1b\uc744 \uc218 \uc788\ub294 \uc790\uaca9\uc740 40 \ub178\ub3d9 \ud06c\ub808\ub527 (work credit)\uc744     \ubc1b\uc544\uc57c \ud558\uace0 1\ub144\uc5d0 \ucd1d 4\ud06c\ub808\ub527\uc744 \ubc1b\uc744 \uc218 \uc788\ub294\ub370 10\ub144\uc774 \uac78\ub9ac\ub294 \uc148\uc774\ub2e4.  \ucd5c\uc18c\ud55c     10\ub144 \ub3d9\uc548 \uc0ac\ud68c\ubcf4\uc7a5\uc138\ub97c \ub0a9\ubd80\ud574\uc57c \uc0ac\ud68c\ubcf4\uc7a5\uc5f0\uae08\uc744 \ubc1b\uc744 \uc790\uaca9\uc774 \uc8fc\uc5b4\uc9c4\ub2e4.     \ubbf8\uc2dc\ubbfc\uad8c\uc790\ub098 \uc601\uc8fc\uad8c\uc790\uac00 \uc544\ub2c8\ub354\ub77c\ub3c4 \ud569\ubc95 \uccb4\ub958 \uc2e0\ubd84\uc73c\ub85c \uc704\uc5d0\uc11c \uc5b8\uae09\ud55c 40 \ub178\ub3d9 \ud06c\ub808\ub527\uc744     \uc313\uc544 \uc0ac\ud68c\ubcf4\uc7a5\uc138\ub97c \ub0a9\ubd80\ud588\uc73c\uba74 \uc138\uacc4 \uc5b4\ub290 \uacf3\uc5d0 \uc0b4\ub354\ub77c\ub3c4 \uc774 \uc5f0\uae08\uc744 \ud3c9\uc0dd \ubc1b\uc744 \uc218 \uc788\ub2e4. 2.  \ud55c\uad6d \uad6d\ubbfc\uc5f0\uae08 \uac1c\uc694       \ud55c\uad6d\uc758 \uad6d\ubbfc\uc5f0\uae08(National Pension Service of Korea)\uc740 1988\ub144 1\uc6d4\uc5d0 \uc2dc\ud589\ub418\uc5b4 23\ub144\uc774              \ub418\uc5c8\ub2e4.  \uac00\uc785\ub300\uc0c1\uc740 \uad6d\ub0b4\uac70\uc8fc \uad6d\ubbfc\uc73c\ub85c 18\uc138 \uc774\uc0c1 60\uc138 \ubbf8\ub9cc\uc73c\ub85c \uc6d4 \uc18c\ub4dd\uc758 9%\ub97c       \uc5f0\uae08\uc73c\ub85c \uc801\ub9bd\ud558\ub3c4\ub85d \ud558\uace0 \uc788\ub2e4.  1988\ub144 \uc774\uc804 \ubbf8\uad6d\uc73c\ub85c \uc774\ubbfc \uc628 \ud55c\uc778\uc740 \uad6d\ubbfc \uc5f0\uae08 \ub0a9\ubd80       \ub300\uc0c1\uc774 \uc544\ub2c8\ubbc0\ub85c \uc218\ud61c\ub300\uc0c1\uc5d0\uc11c \uc81c\uc678\ub41c\ub2e4.  \uad6d\ubbfc\uc5f0\uae08\uc758 \uc131\uacf5\uc801\uc778 \uc6b4\uc601\uc73c\ub85c \uc791\uae08 \uc138\uacc4 4\uc704       \uc5f0\uae08 \ud504\ub85c\uadf8\ub7a8\uc73c\ub85c \ubd80\uc0c1\ud558\uace0 \uc788\ub2e4. 3.  \ud55c.\ubbf8 \uc0ac\ud68c\ubcf4\uc7a5 \ud611\uc815      \ud55c.\ubbf8 \uc591\uad6d\uc740 2001\ub144 4\uc6d4 1\uc77c \uc0ac\ud68c\ubcf4\uc7a5\ud611\uc815\uc744 \uccb4\uacb0\ud588\ub2e4. \uc0ac\ud68c\ubcf4\uc7a5\ud611\uc815\uc758 \ud615\ud0dc\ub294      \u201c\uac00\uc785\uae30\uac04 \ud569\uc0b0\ud611\uc815\u201d (Totalization Agreement)\uacfc \u201c\ubcf4\ud5d8\ub8cc \uba74\uc81c\ud611\uc815\u201d(Contribution Only      Agreement)\uc73c\ub85c \ud06c\uac8c \uad6c\ubd84\ub418\ub294\ub370 \ud55c.\ubbf8\uc591\uad6d\uc740 \ubcf4\ud5d8\ub8cc \uba74\uc81c\ub97c \ub0b4\ud3ec\ud55c \uac00\uc785\uae30\uac04 \ud569\uc0b0      \ud611\uc815\uc73c\ub85c \ub0a9\uc785\uae30\uac04\uc744 \uacf5\uc720\ud558\uace0 \uc788\ub2e4.  \uc989 \uc5f0\uae08 \uc218\uae09\uc758 \ucda9\uc871\uae30\uac04(10\ub144) \uc0b0\uc815 \ub54c \uc591\uad6d\uc758      \uc5f0\uae08\uae30\uac04\uc744 \ud569\uc0b0\ud574 \uc900\ub2e4\ub294 \uc810\uc774\ub2e4.          \uac00\ub839 \ud55c\uad6d\uc5d0\uc11c 5\ub144 \ub3d9\uc548 \uad6d\ubbfc\uc5f0\uae08\uc744 \ub0a9\ubd80\ud558\uace0 \ubbf8\uad6d\uc774\uc8fc \ud6c4 8\ub144\ub3d9\uc548 \uc18c\uc15c\uc2dc\ud050\ub9ac\ud2f0      \uc5f0\uae08\uc744 \ub0a9\ubd80\ud588\uc744 \ub54c \uac1c\ubcc4\uc801\uc73c\ub85c\ub294 \ud55c\uad6d\uacfc \ubbf8\uad6d\uc758 \ub0a9\uc785\uae30\uac04\uc778 10\ub144\uc744 \ucda9\uc871\uc2dc\ud0a4\uc9c0      \ubabb\ud558\ub098 \uc774 \ud611\uc815\uc5d0 \ub530\ub77c \ud569\uc0b0\uae30\uac04 13\ub144\uc744 \uc778\uc815\ubc1b\uc544 \uc591\uad6d \ubaa8\ub450\ub85c\ubd80\ud130 \uc5f0\uae08\uc744 \uc9c0\uae09\ubc1b\uc744      \uc218 \uc788\ub2e4. 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