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국민연금 실업크레딧의 실효성에 대한 연구: 급여수준 적정성 및 적용가능성을 중심으로
김진수 ( Jinsoo Kim ),권소영 ( Soyoung Kweon ),유혜림 ( Hyerim Yoo ) 한국사회보장학회 2015 사회보장연구 Vol.31 No.3
The paper analyses unemployment credit(UC) in Korea National Pension. Benefit adequacy and applicability are used as the two criteria of analysing. To evaluate the adequacy of the benefit, this study compares Korean UC with that of Germany, United Kingdom, France and Japan by sub-criteria of coverage, reference earning, crediting period and financing. The characteristics of the UC in Korea compared to that in the other countries is followed. First, the UC in Korea only covers recipients of unemployment benefit in Unemployment Insurance(UI) while that of the other countries tries to cover all the unemployed. Second, reference earning of the UC in Korea is so small that it can adversely affect the amount of pension. Third, UC of Korea credits relatively shorter period in that the credited period is limited in a year. Considering National Pension in Korea has relatively longer qualifying years, it can limit the adequacy of the UC. Lastly, Korean UC is the only system which the recipients themselves should contribute(a quarter of one``s contribution) to the pension scheme. To evaluate applicability of Korean UC, the merged dataset of the individual dataset and work history dataset of 14th and those of 15th of Korea Labor and Income Panel Study (KLIPS) is used. The statistical findings suggest that since the coverage of the UC is connected to unemployment benefit coverage in UI, it shares the blind spot of UI which is not wide enough to cover the unemployed. Especially, those who are within the blind spot are found to be more vulnerable than those who are not, which means it lacks in targeting vulnerable people in labour market. The paper concluded that the UC in Korea cannot fulfill its goal of social protection. Therefore, there needs to be extension of coverage and improvement in the level of provision.