사학연금에서 폐교로 인한 퇴직 시 연금 지급개시연령 개선에 관한 연구

Abstract

This study addresses the issues of the pensionable age of Teachers’ Pension focusing on the Bill suggested by Lee Eun-Jae, evaluating the legitimacy of the early retirement pensionable age for those retired by reducing a quota and closing a school. The main findings are as follows. First, retirement pension plays a role not as an old-age income security scheme but as an unemployment benefit in the case of providing retirement pension far too early after 5 years of retirement due to abolition of a school, rather than pensionable age of 65. Second, early retirement pension by closing a school could increase dependency on pension and weaken work incentive if those retired are not keen on seeking a job and do not commence work because of receiving benefit at once, even though they are still of working age and good health. Third, those working for national/public schools have little possibility of early retirement but those working for private schools always have risk of abolition of schools. Furthermore insured fixed-term civil servants of Government Employees Pension are partially able to be covered by Employment Insurance, but insured private school personnels of Teachers’ Pension are unable to be covered by Employment Insurance. Fourth, early retirement payment by closing a school could increase relative deprivation of insured persons of National Pension. Moreover insured persons of National Pension are covered by Employment Insurance but insured personnels of Teachers’ Pension are not. The study proposes reforms of including insured personnels of Teacher’s Pension in Employment Insurance, providing different amounts of early retirement payments according to the periods of being left for the pensionable age of 65, limiting the periods of giving the early payments, making a separate employment insurance fund within the Teachers’ Pension fund.