相談内容

For pension consultations

回答

  • “Nenkin Dial” 
    ℡ 0570-05-1165    IP or PHS: ℡ 03-6700-1165
  • Kusatsu Machikado no Nenkin Soudan Center(1-1-50 Shibukawa, Kusatsu City)
    ℡ 077-564-4311
  • Otsu Pension Office(13-5 Uchidehama, Otsu City)
    ℡ 077-521-1789
  • Kusatsu Pension Office (1-16-35 Nishi Shibukawa, Kusatsu City)
    ℡ 077-567-2220
  • Hikone Pension Office(169-6 Tomachi, Hikone City)
    ℡ 0749-23-1114
  • For multilingual information

相談内容

Lump-sum withdrawal payments (dattai ichijikin) – You are entitled to this even if you are not qualified to receive public pension, when returning to your home country, etc.

回答

When persons with no Japanese nationality lose their right of membership to the National Pension or the Employees’ Pension and leave Japan, they can apply for a lump-sum withdrawal payment within 2 years from the date they cease to have a Japanese address. Foreign nationals returning to their countries may apply for the lump-sum withdrawal payment if they have been members for 6 months or more.
    Those whose “eligibility period” is 10 years or more cannot receive their lump-sum withdrawal payment.
    !When receiving the lump-sum withdrawal payment, the period of payment which serves as the basis for calculation of the lump-sum withdrawal payment will be nullified as being the period of pension membership, so it is advised to carefully consider your options before proceeding with your application for lump-sum withdrawal payment.
    ! The application for the lump-sum withdrawal payment may now be accomplished while you are still in Japan.
    ! In the case of Employees’ Pension Insurance, a 20% withholding income tax will be imposed. To be able to make claims for tax refunds, you are required to submit a “notification of tax agent” (nouzei kanrinin todokede-sho) to the tax office before leaving Japan.
    ! For details:Lump-sum withdrawal payments

相談内容

Verify the information on your pension!

回答

A Pension Coverage Regular Notice / PCRN (nenkin teikibin), will be delivered to the members of the National Pension and the Employees’ Pension once a year on their birth month to verify their pension record. If the address you registered is different from your present address, the notice (nenkin teikibin) may not be delivered to you. Please report a change of address promptly.
To check your pension record:
“Nenkin net”
  “Nenkin teikibin・Nenkin net”  ℡ 0570-058-555

★Confirm the status of your pension at the pension office even if you have paid less than 10 years in contributions!

  • Check for omissions or errors. (Do you have more than one basic pension number? a pension registered to another name?)
  • Check for “complementary coverage period” or gassan taisho kikan. (This includes the length of stay abroad of permanent residents and those with Japanese nationalities).
  • ★The following are ways to satisfy the requirements of the qualifying period:

  • Enroll voluntarily to the National Pension between the ages of 60 and 65. (Those born before April 1, 1965 up to the age of 70 may become voluntary members.)
  • Use the “National Pension Deferred Payment System” to eliminate unpaid intervals. (The 5-year deferred payment system is applicable until Sept. 30, 2018).
  • 相談内容

    Social Security Agreement (shakai hoshou kyoutei)

    回答

    If a person was previously a member of a pension system in another country that concluded a treaty with Japan in the “Social Security Agreement”, the period within which he was a member may be considered as membership in the Japanese pension system if that country is under the said agreement with Japan. In this case, the Japanese pension benefit is determined based on contribution-paid periods in Japan. Visit the following website for information on the countries included and the details of the agreement: → nenkin.go.jp

    相談内容

    Old-Age Pension (rourei nenkin)

    回答

    In the Old-age Pension (rourei nenkin), the basis for the common pension of all the members is called the “Old-age Basic Pension” (rourei kiso nenkin). Those insured in the National Pension (kokumin nenkin) will receive only the Old-age Basic Pension, but those who are members of the Employees’ Pension, (kousei nenkin), will receive an additional benefit from the Employees’ Pension. For complete payment of Old-age Basic Pension premiums for 40 years until the age of 60, a full annual amount of 779,300 yen (fiscal year 2017) may be received. The age for receiving the Old-Age Pension remains 65 years old, as before. However, “early or delayed pension benefits” may be availed of upon request. In the Employees’ Pension system, a special allowance of the Old-Age Employees’ Pension may be provided between the ages of 60 to 65 years old when certain conditions such as the date of birth, sex, etc., are met.

    相談内容

    The required period to receive pensions has been reduced to 10 years.

    回答

    Up until now, the required period of premium payment in order to receive the old-age pension used to be 25 years or longer. However, as of August 1, 2017, it has been reduced to 10 years. (No changes have been made in the requirements for receiving “Survivor’s Pension” / izoku nenkin and “Disability Pension” / shougai nenkin).
    To qualify in receiving the old-age pension (rourei nenkin), one or a combination of the following, should add up to a total of 10 years or more:
      1.+2.+3.+4. > 10yrs
    1. The period of premium payment (the period you have paid the premium of your National Pension, the period when you were insured as a member of the Employees’ Pension)
    2. The period of exemption from payment of premiums; the “grace period” received in the payment of premiums, such as the special system of payments for students.
    3. The period when you were insured under Category 3 (insured dependents of policy holders)
    4. The complementary coverage period: *(Kara kikan)
      *Kara kikan (No. 4. above), is the complementary coverage period that is not reflected in the amount of pension that will be received, but is included in the calculation of the total period of membership.

    The following is included in the complementary coverage period:
      A. The period when a person is eligible but did not voluntarily join the National Pension before March, 1986.
      B. The period when a person did not voluntarily join the National Pension because he/she is a student before March, 1991.
      C. The period when a dependent spouse of a person insured in the Employees’ Pension did not voluntarily join before April, 1986.
      !Kara kikan which significantly involves foreigners are the following:
      D. The period when foreigners living in Japan was not able to join the pension system before the ratification of the Refugee Convention (before the year 1981).
      This includes special permanent residents such as Koreans who are residents in Japan (zainichi), etc.
      E. The period of residence in a foreign country from April, 1961 onwards.
         Eligible are those who acquired Japanese nationality and permanent residents.
       
    Those who acquired Japanese nationality, permanent residents, etc., who have resided in a foreign country for a duration of time, are required to produce documents to prove their period of stay abroad when applying to claim their pension. Therefore, it is important to keep previous passports for future references. “Certificate of Alien Registrations” before July 9, 2012 are kept by the Ministry of Justice. Therefore, in order to certify your previous arrival and departure records in Japan, you need to request the disclosure of these records from the ministry.
    the Ministry of Justice Web site

    相談内容

    Health Insurance Program

    回答

    Japanese health insurance programs can be roughly divided into employee health insurance and National Health Insurance. Foreigners who are to stay in Japan for more than one year are required to enroll in either one of the insurance programs, under which medical benefits are paid to the insured and their dependents for treatment of illness or injury.
    Employee Health Insurance
    Full-time company employees are automatically enrolled in their company’s health insurance scheme. Under this scheme, the insured and their dependents are eligible for various allowances. The amount of the insurance premium is calculated based on the income of the insured, and the employer pays half the insurance premium.
    The insured is required to pay 30% of the medical cost.
    • Other benefits: Medical treatment allowance and childbirth allowance.
    •National Health Insurance
    Those who are not covered by an employee health insurance scheme and who plan to stay in Japan for more than one year must enroll in National Health Insurance in the municipality of their residence. The amount of the insurance money is calculated annually, based on the household income, the amount of fixed property tax, and the size of the household.
    The insured is required to pay 30% of the medical cost.
    • Other benefits: Childbirth allowance, compensation for high-cost medical treatment, funeral expenses (paid in the case of death of the insured.)
    • You should present your insurance certificate at the reception when receiving treatment at a hospital or clinic. 

    相談内容

    年金制度

    回答

    公的年金制度は、老齢、障害または死亡時の本人および遺族の生活保障の観点から、日本国内に住むすべての人について、一定の要件のもとに国籍を問わず適用しています。外国人の場合、1年以上の日本滞在を予定している人が対象となります。
    厚生年金保険
    給付の種類
    老齢厚生年金、障害厚生年金、遺族厚生年金
    国民年金
    20歳から59歳までの方で、厚生年金保険などに加入していない場合は国民年金に加入しなければいけません。
    お問い合わせ
    各市町村国民年金担当係

    相談内容

    雇用保険

    回答

    雇用保険制度とは、在職中の労働者の雇用の安定を図り、失業中の労働者に対して、生活の安定と再就職の促進のために失業等給付を行うものです。 失業等給付は、労働者と事業主が支払う保険料によってまかなわれており、日本で雇用されれば外国の失業保険制度の適用を受けていることが立証された者を除き、原則として国籍(無国籍を含む)のいかんに関わらず被保険者となり、事業主を通じて被保険者になります。 労働者が会社を自己都合、解雇などで離職した場合、次の条件を満たし、公共職業安定所が認めれば基本手当てを受給することができます。
    • 日本国内での就労に制限のない方で日本において反復して就労することが可能な方。
    • 離職日より1年前の間、保険に6ヶ月以上入っていた。
    • 離職したため、被保険者の資格をなくしたことが確認された。
    • 仕事をしたくても仕事に就けない。
    ※詳しくは、居住地の公共職業安定所までお問い合わせください。