“한국서 딱 한 달 일하고 평생 연금 받는 중국인”…추납 제도 뭐길래? [잇슈 머니] / KBS 2026.08.24. — Transcript

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1. 0:00Yes. We will now begin Issue Money.
2. 0:02Economic commentator Kwon Hyuk-jo is
3. 0:03here with us. Hello.
4. 0:05Yes, hello.
5. 0:06Yes. Let's look at the first keyword.
6. 0:08Foreigners and the National Pension.
7. 0:11Now, the name is the National Pension,
8. 0:13but are there cases where foreigners,
9. 0:15who are not our citizens, can receive
10. 0:17it?
11. 0:18Yes, that is correct. They can enroll.
12. 0:20And they can receive benefits. That is
13. 0:22what I will say. Yes. According to
14. 0:25Article 126 of the National Pension Act
15. 0:27. For foreigners in our country who are
16. 0:31working. Yes. Foreigners between the
17. 0:35ages of 18 and 60 are mandatory
18. 0:36subscribers. Therefore, they must
19. 0:39enroll, and since they paid insurance
20. 0:41premiums, they are naturally eligible
21. 0:43to receive benefits. But the important
22. 0:46thing is reciprocity. Depending on how
23. 0:49our citizens are treated by the pension
24. 0:51system when they go abroad, our policy
25. 0:54can vary. Also, if foreigners start
26. 0:57receiving their pension and then return
27. 0:59home. They can continue to receive this
28. 1:02pension even while abroad. Most of all,
29. 1:05we even handle overseas remittances. In
30. 1:07the case of our country's system. As a
31. 1:09result, as of June 2024, the number of
32. 1:12foreigners enrolled in the National
33. 1:15Pension recorded about 455,000. You can
34. 1:18see that it is continuously increasing.
35. 1:20Yes. Yes. They have rights equal to the
36. 1:22premiums they paid. And you mentioned
37. 1:26reciprocity, but even so, our citizens
38. 1:28need to meet a 10-year period to
39. 1:30receive the pension. How is this
40. 1:34handled for foreigners? It is the same.
41. 1:37To receive benefits, they must fulfill
42. 1:3910 years, or 120 months. But in the
43. 1:42case of foreigners, most are workers,
44. 1:44right? They usually stay for about 3 to
45. 1:475 years and then go abroad.
46. 1:49It seems it wouldn't be easy to meet
47. 1:50that period.
48. 1:51That is correct. It is hard to fill. So
49. 1:54, there were many cases where they
50. 1:56received a lump-sum refund and left.
51. 1:59But now, a problem has started to arise
52. 2:02. A rumor has started spreading among
53. 2:04foreigners, and it is about the "
54. 2:05additional payment" system. This
55. 2:07This additional payment system. First
56. 2:09of all
57. 2:09Yes. It's an additional payment. We
58. 2:11call it additional payment, and this
59. 2:13system allows you to pay for periods
60. 2:14you couldn't pay after enrolling in the
61. 2:16National Pension. It is a system to pay
62. 2:19for those missing periods all at once
63. 2:21and have the subscription period
64. 2:23recognized, but some foreigners have
65. 2:25started abusing this. Let me give you
66. 2:27an example. Take the case of Mr. A from
67. 2:29China. He entered our country on a
68. 2:31visit-for-employment visa. He enrolled
69. 2:33in the national pension for one month.
70. 2:35Then, at age 60, he arrived. He paid
71. 2:37the remaining 119 months 'worth all at
72. 2:39once. He utilized the retroactive
73. 2:40payment system, essentially. Since that
74. 2:42met the 10-year requirement, he began
75. 2:44receiving a monthly national pension.
76. 2:47In the case of Ms. C from China, she
77. 2:48obtained permanent residency. She
78. 2:50enrolled in the national pension for 9
79. 2:52months and paid 128 months' worth
80. 2:53retroactively. She even claimed an
81. 2:56early old-age pension. So, you could
82. 2:59say we are seeing cases where people
83. 3:01residing in China are receiving monthly
84. 3:03pensions.
85. 3:04Yes. The purpose of retroactive
86. 3:07payments is to give our citizens a
87. 3:08chance to secure retirement income if
88. 3:10they were unable to pay for a period
89. 3:12due to unavoidable circumstances; while
90. 3:14you called it word-of-mouth, isn't this
91. 3:17a bit of a loophole?
92. 3:18Yes, that’s correct. It’s bound to
93. 3:20function as a loophole for foreigners.
94. 3:23However, we cannot block their
95. 3:24enrollment. As mentioned earlier, due
96. 3:26to the principle of reciprocity, we
97. 3:28cannot prevent them from signing up. As
98. 3:30you noted, the retroactive payment
99. 3:32system. This retroactive payment system
100. 3:35is...It was designed to help
101. 3:37career-break women or the unemployed,
102. 3:40but it is being abused by foreigners,
103. 3:42and such applications by foreigners are
104. 3:45gradually increasing. In 2015, there
105. 3:49were only 40 cases, but by 2024, it has
106. 3:51increased by about 20 times. It is
107. 3:54expected to continue to rise, and above
108. 3:57all, verification is difficult. If they
109. 3:59claim they got married overseas, those
110. 4:01documents could be forged. This is hard
111. 4:03to verify, and more importantly, what
112. 4:05if they pass away overseas? Because we
113. 4:07cannot confirm whether they have died
114. 4:09or not, the pension continues to be
115. 4:10paid out. Therefore, in the current
116. 4:13market...Voices are beginning to emerge
117. 4:14that the retroactive payment system for
118. 4:16foreigners needs to be overhauled.
119. 4:18Yes. Given that the fund to secure the
120. 4:21retirement of our own citizens is not
121. 4:23sufficient, a more meticulous approach
122. 4:25seems necessary.