Must Know 国民 保険 加入 Article
Introduction
Joining national insurance is one of the most important steps you can take to protect yourself and your family in case of unexpected events. In this article, we'll cover everything you need to know about joining national insurance in 2023.
What is National Insurance?
National insurance is a social security system in which individuals and employers make contributions to fund various benefits, such as state pensions, sickness and disability benefits, and maternity and paternity leave. It is mandatory for most people who work in the UK.
Who Needs to Join National Insurance?
Most people who work in the UK need to join national insurance, including employees, self-employed individuals, and some volunteers. If you're not sure whether you need to join, you can check with HM Revenue and Customs (HMRC).
How to Join National Insurance
You can join national insurance by registering with HMRC. If you're an employee, your employer will usually take care of this for you. If you're self-employed, you'll need to register yourself. You can do this online or by post.
What Are the Benefits of Joining National Insurance?
Joining national insurance can provide you with various benefits, including:
- State pension
- Sickness and disability benefits
- Maternity and paternity leave
- Bereavement benefits
- Funeral payments
- Jobseeker's allowance
How Much Does National Insurance Cost?
The amount you need to pay depends on your income and employment status. Employees and self-employed individuals pay different rates. The current rates for the tax year 2023-24 are:
- Employees: 12% on earnings between £9,568 and £50,270, and 2% on earnings over £50,270
- Self-employed individuals: 9% on profits between £9,568 and £50,270, and 2% on profits over £50,270
What Happens if You Don't Join National Insurance?
If you don't join national insurance when you're supposed to, you may not be eligible for certain benefits, such as the state pension. You may also face penalties and interest charges if you don't pay your contributions on time.
Conclusion
Joining national insurance is an important step to protect yourself and your family in case of unexpected events. Make sure you register with HMRC if you're required to join, and keep up with your contributions to enjoy the benefits.
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