RetireJapan

Posted: **Wed Mar 10, 2021 5:09 am**

Hello,
Thanks to everyone for the answers for my previous question regarding koseinenkin.

My next question concerns the benefits of delaying the start of a pension. I have heard that if you delay the start until you are 70 you can receive about 40% more. Am I right in understanding that this only refers to kokumin-nenkin and not kosei-nenkin? Or does this refer to both? Any thoughts or comments would be greatly appreciated.

Thanks in advance!

Posted: **Wed Mar 10, 2021 11:35 am**

Clueless wrote: ↑Wed Mar 10, 2021 5:09 am Hello,
Thanks to everyone for the answers for my previous question regarding koseinenkin.

My next question concerns the benefits of delaying the start of a pension. I have heard that if you delay the start until you are 70 you can receive about 40% more. Am I right in understanding that this only refers to kokumin-nenkin and not kosei-nenkin? Or does this refer to both? Any thoughts or comments would be greatly appreciated.

Thanks in advance!

I think it refers to both. The postcard I received included a graph showing the benefit at age 65 as 1,781,962 (厚生年金 of 1,281,552 and 基礎年金 of 499,962) and the benefit at age 70 as 2,530,386 with a message above it saying that delaying to age 70 can increase the benefit by a total of up to 42%.

Posted: **Wed Mar 10, 2021 11:43 am**

Here are the calculations (assuming you were born after 1941!)

昭和16年4月2日以降に生まれた方
支給の繰り下げを申し出た日の年齢受取率
65歳 100％
66歳0ヵ月～66歳11ヵ月 108.4％～116.1％
67歳0ヵ月～67歳11ヵ月 116.8％～124.5％
68歳0ヵ月～68歳11ヵ月 125.2％～132.9％
69歳0ヵ月～69歳11ヵ月 133.6％～141.3％
70歳0ヵ月～ 142.0％

https://www.nenkin.go.jp/faq/jukyu/rour ... 21-04.html

RetireJapan

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