치매 부모님의 재산관리, 가족만 고민하지 않아도 됩니다. 2026년 9월 14일 기준 시범사업으로 운영 중입니다.
Dementia and Money Management in South Korea: A Guide to the 2026 Public Trust Pilot
치매 부모님의 재산관리, 가족만 고민하지 않아도 됩니다
치매나 인지기능 저하로 통장과 생활비 관리가 어려워졌다면 국민연금공단의 ‘치매안심재산관리서비스’를 상담할 수 있습니다. 어르신의 재산을 계약에 따라 관리하고, 생활비·의료비·요양비 등에 사용되도록 돕는 공공서비스입니다.
2026년 9월 14일 기준 시범사업으로 운영 중입니다. 새로운 지원금을 지급하거나 투자 수익을 약속하는 제도가 아니라, 어르신이 가진 재산을 본인의 생활에 맞게 관리하도록 지원합니다.
누가 신청할 수 있나요?
국민연금공단의 9월 안내에는 치매·경도인지장애로 재산관리에 어려움이 있거나 예상되는 분, 재산관리 위험에 대비하려는 65세 이상 치매안심센터 등록자, 경제적 학대 위험이 있는 65세 이상 어르신이 포함되어 있습니다. 실제 이용 여부는 개별 상담을 통해 확인합니다.
어떤 재산을 맡길 수 있나요?
시범사업 시행 안내상 현금, 임대차보증금 반환채권, 주택연금 등 현금성 자산이 대상이며 위탁 상한은 10억 원입니다. ‘10억 원을 지급한다’는 뜻은 아닙니다. 기초연금 수급권자가 아닌 이용자의 수수료는 신탁재산의 연 0.5%로 안내되어 있어, 적용 조건을 계약 전에 확인해야 합니다.
어디에 문의하나요?
국민연금공단 1355에 전화해 치매안심재산관리서비스 담당 창구를 안내받을 수 있습니다. 방문·우편·팩스·유선 신청이 안내되어 있으며, 필요한 서류는 담당자에게 확인하면 됩니다.
부모님이 원하는 생활과 매달 필요한 비용을 먼저 함께 정리해 보세요. 재산관리의 중심에는 어르신의 의사와 일상이 있어야 합니다.
[본문 이미지 1: 앞서 만든 ‘어머니와 딸이 생활비를 살펴보는 그림’ 삽입]
이미지 설명 / Caption: Planning everyday expenses together while respecting the older adult’s wishes. AI-generated illustration; not a photograph of an actual service user.
Dementia and everyday financial decisions
Supporting a parent with dementia involves more than arranging meals, appointments, and personal care. Families may also need to consider how regular bills will be paid and how the parent’s savings can continue to support daily life.
South Korea’s National Pension Service operates a pilot called 치매안심재산관리서비스, described here in English as a dementia asset-management support service. It uses a trust arrangement and an individual spending plan to help manage assets for the person’s own needs.
This article explains the South Korean pilot. Eligibility and arrangements in other countries will differ.
What does the service actually do?
A trust is an arrangement under which assets are managed according to an agreed purpose and contractual terms.
Under this pilot, the National Pension Service consults with the applicant, develops a financial support plan, and enters into a contract. The service supports spending on needs such as medical treatment, care fees, and everyday purchases.
For families, the practical question is how a parent’s resources can reliably support the life they want to lead. Recording regular expenses and personal preferences can be a useful starting point for that conversation.
Who can ask about the pilot?
The National Pension Service’s September 8, 2026 notice identifies several groups who may apply:
People who have, or expect to have, difficulty managing assets because of dementia or mild cognitive impairment.
Adults aged 65 or older registered with a dementia support center who want to prepare for financial-management risks.
Adults aged 65 or older who face a risk of financial abuse.
These categories provide a starting point for an inquiry. Acceptance into the pilot depends on an individual assessment and the applicable service conditions.
What assets and fees are involved?
The pilot’s launch guidance lists cash, certain monetary claims such as rental-deposit repayment claims, and housing-pension-related assets. The stated maximum entrusted amount is KRW 1 billion.
That figure is an asset-management ceiling, not a government payment. Families should also ask specifically about any property they hope to include; the guidance should not be read as automatically covering a house or land itself.
The launch notice states an annual fee of 0.5% of entrusted assets for older applicants who are not entitled to the Basic Pension. Confirm the applicable fee and asset rules during consultation, as pilot conditions may change.
[본문 이미지 2: 앞서 만든 ‘어르신 부부가 상담받는 그림’ 삽입]
이미지 설명 / Caption: A consultation can help clarify living expenses, personal preferences, and the terms of a financial support plan. AI-generated illustration.
How can a family get started?
In South Korea, call the National Pension Service at 1355 and ask about 치매안심재산관리서비스. The September notice lists in-person, postal, fax, and telephone applications.
Before contacting the service, consider preparing a short record of:
The financial tasks the parent finds difficult.
Regular living, medical, and care expenses.
Assets that may need management support.
The parent’s preferences and questions.
Ask the 담당 office which documents are required and how the older person’s participation and consent will be handled in their circumstances.
Frequently asked questions
Does applying mean the service starts immediately?
No. Consultation, assessment, planning, and a contract are part of the process. The pilot prioritizes people according to their need for support.
Is the service an investment product?
Its stated purpose is to protect assets and support appropriate spending for daily life. Families should not interpret it as a promise of investment returns.
Can a care facility help someone find the service?
The Ministry of Health and Welfare has encouraged dementia support centers, care facilities, and other community organizations to connect people who need assistance with the National Pension Service. The responsible service office handles the financial-management arrangements.
Keeping the older person at the center
A financial support plan should reflect the person whose money is being managed. Familiar routines, preferred activities, and personal spending choices deserve a place in the discussion alongside essential bills.
For families exploring care in Buyeo, GARIM Nursing Home and GARIM Day Care Center provide consultations about admission and service use. Questions about the public trust pilot should go to the National Pension Service.
Information checked: September 14, 2026.
Sources: National Pension Service, pilot launch announcement, April 21, 2026; service application notice, September 8, 2026. Ministry of Health and Welfare, first-contract announcement, July 7, 2026.
Care inquiries: 041-837-7575
Address: 698 Chungjeol-ro, Imcheon-myeon, Buyeo-gun, Chungcheongnam-do, South Korea
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