Must Know 日本年金機構保険組合 Article

同じ社保だけど、中身がちょっと違う「協会けんぽ」と「組合健保」シニアガイド from seniorguide.jp

Introduction

If you're living in Japan or planning to retire in Japan, it's important to understand how the Japanese pension system works. The 日本年金機構保険組合, or Japan Pension Service, is responsible for managing the country's pension system. In this article, we'll give you an overview of what you need to know about the Japanese pension system and how the 日本年金機構保険組合 works.

What is the Japanese Pension System?

The Japanese pension system is a public pension system that provides benefits to all citizens and residents of Japan. The system is made up of two parts: the Employees' Pension Insurance (EPI) and the National Pension System (NPS). The EPI is for employees of companies, while the NPS is for self-employed individuals and those who are not covered by the EPI.

How Does the 日本年金機構保険組合 Work?

The 日本年金機構保険組合 manages the pension system by collecting contributions from individuals and companies and paying out benefits to those who are eligible. The amount of the pension benefit you receive is based on the number of years you have paid into the system and your average income during that time.

Who Can Join the Japanese Pension System?

All citizens and residents of Japan are required to join the pension system if they are between the ages of 20 and 59. If you are an employee, you will automatically be enrolled in the EPI by your employer. If you are self-employed or not covered by the EPI, you will need to enroll in the NPS.

How Much Do You Need to Contribute?

The amount you need to contribute to the pension system depends on your income. The maximum contribution amount for the EPI is currently 16,840 yen per month, while the maximum contribution amount for the NPS is 16,910 yen per month.

When Can You Receive Benefits?

You can start receiving pension benefits from the Japanese pension system when you reach the age of 65. However, you can also choose to start receiving benefits as early as age 60 or as late as age 70. The amount of your pension benefit will be reduced if you choose to start receiving benefits before the age of 65.

What If You Leave Japan?

If you leave Japan before you reach retirement age, you may be eligible to receive a lump sum refund of the contributions you made to the pension system. However, if you plan to return to Japan and continue working, it may be in your best interest to leave your contributions in the system.

Can You Receive Benefits If You Live Outside of Japan?

If you are a Japanese citizen or a resident of Japan and you live outside of Japan, you may still be eligible to receive pension benefits from the Japanese pension system. However, the amount of your benefit may be reduced depending on the country you are living in.

How to Apply for Pension Benefits

To apply for pension benefits from the Japanese pension system, you will need to submit an application to the 日本年金機構保険組合. You can do this online or by visiting a local pension office. You will also need to provide documentation such as your pension book and identification documents.

Conclusion

Understanding the Japanese pension system and how the 日本年金機構保険組合 works is important for anyone living or planning to retire in Japan. By contributing to the pension system and understanding the benefits you are entitled to, you can ensure a secure retirement in Japan.