年金相談

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公的年金は、国民年金、厚生年金、共済年金の3種類があり日本国内に住所のあるすべての人が加入を義務づけられている保険制度で、老齢・障害・死亡等の原因で生活や就労が困難になった時に手続きを行うことにより、国から年金が支給されます。

公的年金は老齢になった場合（老齢）のイメージが強く、病気やケガで障害の状態になった場合（障害）や、年金受給者や加入者が死亡した場合（遺族）の保障を知らない方も多くいらっしゃいます。今回は制度自体が広く知られていない為に請求モレが起きやすい「障害年金申請」についてご案内いたします。

障害年金は「障害のために仕事や日常生活に支障をきたした場合、国から年金が支給され、生活の一部を保障してくれる制度」です。

障害年金を受給するためにはまず下記の3つの条件全てを満たす必要があります。

①初診日を確定する→　障害の原因となった傷病で初めて医師の診断を受けた日にどの年金制度に加入していたかを知る
（年金制度ごとに受給の内容や条件が異なる為）

②障害年金保険料納付要件→　一定の保険料を納めていないと受け取ることができません
（被保険者期間の3分の2以上保険料を納付している　又は直近1年間に滞納なし）

③一定の障害の状態にあること→　「国民年金・厚生年金保険障害認定基準」によって判断されます
（身体障害だけではなく、精神障害も対象）

①②③を全てクリアーしていることを、決められた書面で医師の診断書等も含めモレなく証明する必要があります。「大変だなあ」と感じられたら、一度お気軽にご相談ください！

ご相談受付後の流れは凡そ下記の通りです。
当方より送信します「ヒヤリングシート」に日常生活の状況についてご記入いただいた後返信をお願いします（メールでもFAXでも可）
　　　　↓
初回面談日の設定（場所等のご希望あれば）とご案内　
身体障害者手帳や交通事故証明書や年金手帳等申請に関わりそうなものをご用意願います。
　　　　↓
面談にて障害年金制度のご説明と「障害年金相談票」を使って現状のより詳しい聞き取りをさせて頂きます。

※障害状態は医師による診断書を中心に、原則書類審査で行われます。ヒヤリングから日常生活を引き出して、診断書に相談者の状態が反映されるよう医師への働きかけ、相談者の方の状態が最大限反映されるよう支援致します。

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