Post-Retirement Social Insurance Roadmap

4.30

Derivation Chain

Step 1 Retirement Pension withdrawal strategy optimization

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Step 2 Health insurance, National Pension, and employment insurance eligibility changes after Retirement Pension decisions

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Step 3 Unable to see filing obligations and premium changes by transition date at a glance

Problem

Pre-retirees aged 55-60 face simultaneous changes across all four social insurance programs upon retirement: health insurance (employer-based → regional, with premiums increasing 2-5x), National Pension (voluntary continued enrollment decision), employment insurance (unemployment benefit eligibility conditions), and industrial accident insurance (enrollment if transitioning to self-employment). Each agency has different filing deadlines (14-60 days), and missing them triggers penalties (retroactive health insurance charges, loss of unemployment benefit eligibility).

Solution

Users enter their expected retirement date along with current income and asset information on a web form. The system visualizes all four social insurance changes across a 6-month timeline centered on the retirement date, shows D-day countdowns for each filing deadline, and provides a premium comparison between voluntary continued health insurance enrollment (36 months) vs. regional conversion.

Target: Ages 55-60, full-time employees at large or mid-size corporations, 6 months to 1 year before retirement, households with spouse registered as a dependent

Revenue Model: Basic timeline is Free. Health insurance and National Pension simulations + personalized checklist PDF is KRW 5,000 Per Transaction (~$3.75). Referral commission for Tax Accounting and Labor consultant connections.

Ecosystem Role: Regulation

MVP Estimate: 2_weeks

NUMR-V Scores

N Novelty

3.0/5

U Urgency

5.0/5

M Market

4.0/5

R Realizability

5.0/5

V Validation

4.0/5

NUMR-V Scoring System

N Novelty	1-5	How uncommon the service is in market context.
U Urgency	1-5	How urgently users need this problem solved now.
M Market	1-5	Market size and growth potential from proxy indicators.
R Realizability	1-5	Buildability for a small team with realistic constraints.
V Validation	1-5	Validation signal quality from competition and demand data.

SaaS N=.15 U=.20 M=.15 R=.30 V=.20 Senior N=.25 U=.25 M=.05 R=.30 V=.15

Feasibility (70%)

Tech Complexity

29.3/40

Data Availability

20.6/25

MVP Timeline

20.0/20

API Bonus

0.0/15

Feasibility Breakdown

Tech Complexity	/ 40	Difficulty of core implementation stack.
Data Availability	/ 25	Practical availability and cost of required data.
MVP Timeline	/ 20	Expected time to ship a usable MVP.
API Bonus	/ 15	Bonus for viable public API leverage.

Market Validation (60/100)

Competition

8.0/20

Market Demand

6.2/20

Timing

16.0/20

Revenue Signals

9.0/15

Pick-Axe Fit

12.0/15

Solo Buildability

9.0/10

Validation Breakdown

Competition	/ 20	Signal quality from competitor landscape.
Market Demand	/ 20	Demand proxies from search and mention patterns.
Timing	/ 20	Fit with current shifts in tech, behavior, and regulation.
Revenue Signals	/ 15	Reference evidence for monetization viability.
Pick-Axe Fit	/ 15	How well the concept serves participants in a trend.
Solo Buildability	/ 10	Practicality for lean-team implementation.

Technical Requirements

Frontend [medium] Backend [medium] Data Pipeline [low]

Dashboard