Japan Officially Revises Maternity Leave Laws from April 2025 – Key Changes Workers Need to Know

Starting from April 2025, Japan will officially implement significant revisions to its Maternity Leave and Family Care Leave laws.
These changes aim to:

• Encourage greater participation of men in child-rearing.

• Reduce the burden on women.

• Address the country’s declining birth rate.
  At the same time, this marks a major step forward in promoting gender equality and building a more family-friendly work environment.

In this article, HSB JAPAN will explain the new updates in detail, outline workers’ benefits, and highlight important notes for applying for leave.

Key Changes in Maternity and Family Care Leave from April 2025

1. Paternity Leave Expansion

• Men will be allowed to take up to four weeks of leave within eight weeks after their child’s birth.

• Previously, this system was limited to companies with more than 1,000 employees, but starting from April 2025, it will be expanded to all companies with over 100 employees.

• During the leave period, workers can receive up to 67% of their basic salary as allowance, making it easier for them to prioritize family care.

• Studies show that early involvement of fathers significantly benefits the physical and mental development of young children.

• However, many men are still hesitant to take paternity leave due to concerns about possible disadvantages at work.

2. Expansion of Childcare Leave Scope

• Workers with young children will have broader access to childcare leave to better balance work and family life.

• In addition to taking leave when children are sick or injured, parents can now request leave to attend important events such as school entrance ceremonies and sports days.

3. Introduction of New Allowance – “Post-Childbirth Leave Support Benefit” (出生後休業支援給付金)

• A new financial support system will be launched for families with newborns.

• Within 180 days after childbirth, the standard allowance will be 67% of the pre-leave salary.

• However, if both parents take at least 14 days of leave each, the allowance will increase to 80%.

• This means if both parents fully utilize the leave, the family’s actual income will remain almost the same as before taking maternity leave.

• This is designed to encourage parents to share childcare responsibilities equally.

4. New Policy to Support “Reduced Working Hours” Employees

• Workers with small children will be able to apply for a reduced working hours system while still receiving partial financial support.

• This policy is particularly beneficial for women returning to work after maternity leave, allowing them to care for their children without suffering significant income loss.

• Companies will also receive financial support from the government to promote flexible working arrangements for their employees.

Why These Changes Are Necessary

Japan is currently facing an alarmingly low birth rate and a shrinking workforce.

• The country’s fertility rate fell below 1.3 children per woman in 2023, raising concerns about an aging population and future labor shortages.

• Approximately 70% of Japanese women continue working after the birth of their first child — a 1.7-fold increase compared to 20 years ago — yet 30% of women still leave their jobs due to difficulty balancing work and family responsibilities.

• In 2022 alone, over 140,000 women resigned due to childbirth and childcare.

Encouraging men to take paternity leave will reduce the pressure on women and create a more equal environment at home.
The Japanese government aims to increase the paternity leave uptake rate from 17.1% in 2022 to 50% by 2025, striving for a more balanced sharing of family responsibilities.

Reactions from Workers and Companies

Workers:

• Most young couples welcome these changes, particularly the increased financial benefits for those who share childcare responsibilities.

Small and Medium-sized Enterprises (SMEs):

• Some SMEs express concern about the financial impact when multiple employees take leave at the same time, especially for smaller businesses.

Large Corporations:

• Major companies like Sony and Toyota already have supportive parental leave policies and highly appreciate the government’s move toward greater family support.

Conclusion

The revisions to Japan’s maternity and family care leave laws from April 2025 open up new opportunities for men to actively participate in childcare, elevate the status of women within families, and contribute to improving the country’s birth rate.
Both businesses and individuals need to prepare well to respond effectively to these changes.

Expanding paternity leave is not just a family support policy—it’s a crucial step toward building a sustainable society where work-life balance is attainable.

👉 HSB JAPAN is ready to advise and support you regarding your maternity leave rights and benefits.

💡 With HSB JAPAN’s support, you can:
• Receive the full 488,000 yen childbirth allowance even after returning to your home country.
• Combine this process with Nenkin withdrawal without losing benefits.
• Receive clear consultation, fast processing, and no hidden fees.

☑️ HSB JAPAN – 15 years of experience supporting thousands of Vietnamese workers in Japan.
Contact us now for guidance!

Who Can File Tax Returns, Receive Tax Refunds, and Exempt from Filing Tax Returns in Japan?

​Understanding personal tax obligations in Japan is crucial for legal compliance and financial optimization. This article provides a comprehensive guide on who needs to file tax returns, who may be eligible for tax refunds, and who is exempt from filing in Japan.​

1. People who are subject to tax returns

Whether or not you are required to file a tax return depends on your annual income and other conditions. Be sure to check the National Tax Agency’s website to see if you need to file a tax return. Here we will explain the following typical cases in which you will need to file a tax return.

1.1. Self-employed or freelance individuals with an annual income of 480,000 yen or more

The income of people who are not affiliated with a company and work as sole proprietors or freelancers falls under “business income.” First, if your business income for the year is 480,000 yen or more, check whether you need to file a tax return.
This 480,000 yen refers to the amount of the ” basic deduction ” that is deducted from the income of all taxpayers in principle.
If your income for the year is 480,000 yen or less, your income will be 0 yen after deducting the basic deduction amount, so you do not need to file a tax return.

However, if there are other applicable income deductions in addition to the basic deduction or if tax is withheld at source, you may be able to receive a refund by filing a final tax return.

1.2. Those whose salary income for that year exceeds 20 million yen

In principle, salaried workers, such as company employees and part-time workers, do not need to file a tax return individually, as the company will report and pay the income tax on their behalf in the form of year-end adjustment.

However, if your salary income for the year exceeds 20 million yen, you may need to file a tax return as you are not subject to year-end adjustment. After calculating the amount of income tax to be paid, if there is a remaining balance (amount to be paid), you will need to file a tax return individually.

1.3. People whose side job income exceeds 200,000 yen per year

Even if you are a company employee or other salaried worker and have had your year-end tax adjustment done, you may need to file a tax return if your income from a side job or other source other than your main job exceeds 200,000 yen. Please note that the method of calculating the amount of income tax varies depending on the type of income earned from a side job. For example, if you receive a salary from a side job, it is classified as “salary income,” and if you receive a remuneration, it is classified as “business income” or “miscellaneous income.”

1.4. People who receive a certain amount of public pension

If you are receiving a public pension and meet either of the following two conditions, you may be required to file a tax return. Public pension income (if subject to withholding tax) exceeds 4 million yen. The amount of income other than miscellaneous income, including public pension, exceeds 200,000 yen.

In addition to the above, if you are not eligible for the tax return exemption system, you must file a tax return yourself.

2. Individuals Eligible for Tax Refunds by Filing a Tax Return

If you fall under the following categories, there is no penalty for not filing a tax return.

However, you may be able to receive a refund by applying for income deductions or tax credits in your tax return. The following are typical cases in which you may be able to receive a refund in your tax return.

Examples of where you can receive a refund when filing your tax return

① Your medical expenses for the year exceeded 100,000 yen.

② You applied for a housing loan deduction.

③ You made a hometown tax donation.

④ Your business incurred a loss.

⑤ Your assets were damaged in a disaster, theft, or accident (miscellaneous loss deduction).

⑥ You left your job during the year and did not find a new job within the year.

⑦ You did not submit a “Declaration for Receipt of Retirement Income.”

3. Individuals Exempt from Filing Tax Returns

In the case of company employees and part-time workers, as a rule there is no need to file a personal tax return, since the company will carry out the year-end adjustment and will report and pay the income tax on your behalf.

In addition, the following people do not need to file a personal tax return:

• People who do not need to file tax returns
• Company employee with salary income of 20 million yen or less and annual income from side jobs etc. of 200,000 yen or less
• Miscellaneous income related to pension is 4 million yen or less per year and income other than pension is 200,000 yen or less per year
• Business income of sole proprietors etc. is 480,000 yen or less

​Understanding Japan’s tax filing regulations is essential for legal compliance and optimizing your personal finances. With 15 years of experience assisting the Vietnamese community in Japan, HSB JAPAN is committed to:​

• Direct collaboration with tax authorities to ensure ACCURACY & SPEED​
• Handling ALL COMPLEX CASES​
• Providing CLEAR, TRANSPARENT contracts with no hidden fees​
• Helping you MAXIMIZE your tax refund directly into your personal account​

Contact us now for the best support!​

Important Notes on Part-Time Jobs in Japan for Foreign Workers

Have you ever considered earning extra income through a part-time job in Japan? Although salaries in Japan are generally stable, you might want additional earnings to cover living expenses or enjoy a more comfortable lifestyle.

In this article, HSB JAPAN will help answer questions about taking on a part-time job while having a full-time position and guide you on how to find a suitable job.

1. Can You Work Part-Time in Japan?

The answer is yes, but it depends on the type of work and the regulations set by both your company and the Immigration Services Agency of Japan. Before taking on a part-time job, consider the following:

Check Your Employment Contract and Company Policies

First, review your employment contract and company regulations (shugyo kisoku/就業規則) to determine whether your employer allows part-time work. If permitted, you may need approval from your manager or HR department. If not, taking on a part-time job could violate your contract and even lead to dismissal.

Most companies do not allow employees to work for competitors, as this can impact trust and result in serious consequences.

Check Your Visa Type

Each visa type has different rules regarding part-time work:

• Engineer/Humanities/International Services Visa: You may take on a part-time job if it aligns with your expertise (e.g., programming instruction, specialized writing, translation).
• Highly Skilled Professional Visa: Requires a Work Permit for Activities Outside Visa Status from the Immigration Services Agency before engaging in additional work.

2. What Is a Work Permit for Part-Time Jobs?

A Work Permit for Activities Outside Visa Status (shikakugai katsudo kyoka/資格外活動許可) is an official approval from the Immigration Services Agency that allows you to work outside your primary visa’s scope. To qualify, you must meet the following conditions:

• The part-time job must not interfere with your full-time job.
• Your main employer must approve it.
• You must not work in prohibited industries (bars, nightclubs, pachinko parlors).
• You must not have a criminal record.

There are two types of permits:

• General Work Permit: Allows up to 28 hours per week, commonly issued for students and dependents.
• Specific Work Permit: Issued for jobs outside the primary visa’s scope but within professional fields.

Holders of work visas such as Engineer/Humanities/International Services are not allowed to engage in unskilled jobs such as restaurant service or convenience store cashier work.

3. How to Apply for a Work Permit?

If your part-time job requires a permit, you must prepare the necessary documents and submit them to the Immigration Services Agency. The required documents include:

• Application form (PDF/Excel)
• Employment contract for the part-time job
• Residence card and passport
• Other relevant documents

The processing time can take two weeks to two months, and you must not start working while waiting for approval.

4. How to Find a Part-Time Job in Japan?

If you decide to seek a part-time job, consider the following approaches:

• Use freelance job search apps.
• Look through social media and Vietnamese communities in Japan.
• Network with local communities and attend events to expand your opportunities.

5. Do You Need to File Taxes for a Part-Time Income Under 200,000 Yen?

If your annual part-time income is below 200,000 yen, you are not required to file income tax. However, if you apply for medical tax deductions or hometown tax deductions, you must report this income.

Additionally, resident tax (juminzei/住民税) must be paid regardless of your part-time income level.

Many people mistakenly believe that income under 200,000 yen does not need to be declared. To avoid financial risks, consult a tax expert or a reliable service provider.

6. Where to Register for a Reliable Tax Refund Service?

At HSB JAPAN, with over 15 years of experience, we provide income tax and resident tax refund services in Japan, ensuring the following benefits:

• Maximized Tax Refunds: Helping clients recover the highest possible refund based on current tax regulations.
• Fast and Accurate Processing: Our experienced professionals ensure a smooth application process, minimizing errors and reducing waiting time.
• Strict Data Confidentiality: We are committed to protecting your personal information in compliance with Japan’s privacy laws.
• Direct Deposit to Your Japanese Bank Account: Ensuring a quick and secure transfer of your tax refund.

Contact HSB JAPAN today for a consultation and efficient tax refund processing.

GET NENKIN FROM ONLY 9,500 YEN – THE BEST PRICE ON THE MARKET WITH A TEAM OF 15 YEARS OF EXPERIENCE

When living and working in Japan, besides enjoying salary benefits, allowances, and quality of life, Vietnamese workers in Japan must also fulfill mandatory obligations similar to Japanese citizens, such as paying income contributions and taxes. Among these obligations, Nenkin (pension system) is one of the most concerning topics for Vietnamese workers. So how can you reclaim your Nenkin at the best price? Let HSB JAPAN guide you through the process in this article!

1. What is Nenkin? How is Nenkin Calculated?

Nenkin (年金) is Japan’s pension system, which requires all workers, including foreign workers in Japan, to participate. If you work in Japan and have an income, you are obligated to pay Nenkin as per government regulations. The main purpose of Nenkin is to ensure a source of income for workers after retirement or when they are no longer able to work.

There are two types of Nenkin in Japan:

• Kokumin Nenkin (National Pension Insurance): For self-employed individuals, students, or those who are not covered by company insurance.
• Kousei Nenkin (Employees’ Pension Insurance): For employees working at companies or enterprises.

If you are a foreign worker who leaves Japan before reaching the required conditions for pension benefits, you may request a refund of part of your contributions. This process is called Lump-sum Withdrawal Payment.

Nenkin Coefficient Calculation

The amount of Nenkin you can reclaim depends on the number of months you contributed to the system. The calculation follows this table:

The amount you receive is calculated as follows:
Nenkin Refund Amount = Average Monthly Salary × Nenkin Coefficient

• Average Monthly Salary refers to your gross salary per month (before deductions such as insurance, tax, rent, utilities, etc.).

2. Conditions to Claim Nenkin

To apply for a Nenkin refund, you must meet the following conditions:

• No longer residing in Japan (your residence registration must be canceled).
• Have contributed to Nenkin for at least 6 months.
• Submit your application within 2 years from the date of departure from Japan.
• Not currently receiving pension benefits in Japan.

3. Nenkin Refund Process & Required Documents

The Nenkin refund process is divided into two stages: Nenkin First Payment & Nenkin Second Payment.

3.1 Nenkin First Payment

This is the initial refund of part of your contributions to the Japanese pension system.

Required documents:

• Copy of your passport (showing personal details, residence status, and Japan exit stamp).
• Bank account details (for receiving the refund).
• Nenkin Handbook (if available).
• Nenkin Refund Application Form.

Processing Time: 4-6 months after submitting the application to Japan.

3.2 Nenkin Second Payment

The second payment is the remaining 20% of your total Nenkin. When you receive the first payment, 20% is deducted as tax. You can reclaim this amount by applying for a tax refund.

Required documents:

• Tax Withholding Statement (Gensen Choushu Hyou).
• Authorization Letter for a representative in Japan (if you cannot process the application yourself).
• Tax Refund Application Form.

Processing Time: 2-4 months after completing the first refund process.

Important Note: You cannot apply for the second refund yourself. You must authorize a representative currently living in Japan to apply on your behalf.

Conditions to Claim Nenkin Second Payment

• The tax refund application must be submitted within 5 years of leaving Japan.
• The refund is only transferred to a bank account in Japan.
• A tax representative in Japan must be appointed.
• You must have successfully claimed Nenkin First Payment.

4. Get Your Nenkin Refund from Just 9,500 Yen with HSB JAPAN

If you don’t have time or find the process too complicated, HSB JAPAN provides a fast and accurate Nenkin refund service at a special price starting from just 9,500 yen – the best price on the market with exclusive benefits!

Why Choose HSB JAPAN?

• Best Price Guarantee – From 9,500 yen, the most affordable rate.
• 15+ Years of Expertise – Deep understanding of Japan’s legal and tax system, ensuring a smooth and error-free process.
• Fast Processing – No delays, no rejected applications – we ensure you receive your refund on time.
• Transparent Fees – No hidden costs, full-package service for both Nenkin First & Second Payments.
• Dedicated Support – Our bilingual consultants (Japanese & Vietnamese) assist you from A-Z, answering all your concerns.

How to Apply with HSB JAPAN?

1. Contact Us – Message or call for a free consultation.
2. Prepare Documents – Receive detailed guidance on required paperwork.
3. Submit Application – HSB JAPAN will process everything on your behalf.
4. Receive Nenkin Refund – The refund will be directly transferred to your account.

Contact HSB JAPAN now for expert guidance and hassle-free Nenkin retrieval!

A Guide to Filing Kakutei Shinkoku (確定申告) Tax Returns in Japan

The tax declaration period in Japan, known as 確定申告 (kakutei shinkoku), takes place annually from mid-February to mid-March.

So, what is kakutei shinkoku? Who is required to file this tax declaration? What documents need to be prepared, and how should the tax declaration be carried out? In this article, HSB JAPAN will help you gain a clearer understanding of these questions.

① What is 確定申告 (kakutei shinkoku)?

This is the process of calculating and declaring taxes based on income earned within a one-year period from January 1 to December 31. The tax declaration for the previous year is conducted between mid-February and mid-March of the following year. During this time, the required documents must be submitted to the local tax office. Depending on the case, some individuals may receive a refund for overpaid taxes during the year.

② Who is required to file a tax declaration?

• Individuals with an annual income exceeding 20 million yen (2000 man yen).
• Individuals with a side job in addition to their main job, where the side job income exceeds 200,000 yen.
• Employees working at multiple companies who receive more than 200,000 yen from a secondary employer (the one that does not conduct year-end tax adjustments).
• Directors or family members of family-run companies who earn interest from loans or real estate rentals from the company.
• Individuals receiving pension income exceeding 4 million yen after deductions.
• Freelancers and self-employed individuals with an income exceeding 380,000 yen.
• Individuals earning rental income or interest from real estate.

③ Who is exempt from filing a tax declaration?

• Self-employed individuals with income below 380,000 yen.
• Employees (both full-time and part-time) whose companies have completed the year-end tax adjustment on their behalf.
• Individuals with side jobs earning less than 200,000 yen.
• Pensioners with income below 4 million yen (after deductions) and no additional income over 200,000 yen.
• Part-time workers (arubaito) with total annual income below 1.03 million yen.

④ Who should consider filing a tax declaration?

Although not mandatory, these individuals could benefit by filing, as they might receive tax refunds:

• Self-employed individuals who have incurred losses and could benefit from local tax reductions (住民税 jyuminzei).
• Those with medical expenses exceeding 100,000 yen or who have suffered property losses due to natural disasters.
• Individuals who resigned mid-year without completing year-end tax adjustments.
• Those who received severance payments that were not declared.
• Part-time workers who had taxes deducted at source (源泉徴収 gensen choushuu) by an employer that is not their primary job.
• Individuals who made charitable donations (e.g., Furusato Nozei tax donation program).
• Employees whose company completed year-end adjustments but forgot to declare deductions such as remittances to family, medical expenses, insurance, maternity costs, etc.

Note: Filing tax declarations is an obligation. Additionally, it allows individuals to claim refunds for overpaid taxes. Failure to file, whether intentional or not, may result in significant penalties. It is important to file within the designated period to avoid overdue penalties.

⑤ Difference between 確定申告 (kakutei shinkoku) and 年末調整 (nenmatsu chousei)

The key difference is:

• 確定申告 (kakutei shinkoku): A tax declaration process conducted by the individual.
• 年末調整 (nenmatsu chousei): A year-end tax adjustment handled by the employer, calculating, adjusting, and submitting taxes on behalf of employees.

Employees with a single source of income from their company do not need to file 確定申告. However, those listed in section ② must still file even if their employer conducted the year-end tax adjustment.

⑥ How to file a tax declaration

1. Required documents:

The documents needed may vary depending on individual circumstances, but common ones include:

• Tax return forms: Form A (for salary and pension income) and Form B (for all income types). These can be downloaded, printed, and filled out manually.
• 源泉徴収票 (gensen choushuu hyou): This certificate summarizes your income and withheld taxes, usually provided by your employer around December or January.
• Personal identification documents: My Number card (both sides) or alternative ID such as a driver’s license, passport, residence card, or insurance card.
• Expense receipts and proof documents: For medical expenses, remittances to family abroad, freelance income, etc.

2. Submission methods:

You can submit documents through:

• Mailing to the local tax office.
• In-person submission at the tax office.
• Online filing via the e-Tax system.

Check the nearest tax office location here.

Common Japanese Tax-Related Terms

• 確定申告 (kakutei shinkoku): Tax declaration (filing for a tax refund)
• 年末調整 (nenmatsu chousei): Year-end tax adjustment
• 源泉徴収票 (gensen choushuu hyou): Income and tax withholding statement
• 税務署 (zeimusho): Tax office
• 所得税 (shotokuzei): Income tax
• 扶養家族 (fuyou kazoku): Dependent family member (without income)
• 扶養控除 (fuyou koujo): Tax deduction for dependents
• 医療費控除 (iryouhi koujo): Medical expense deductions
• 提出 (teishutsu): Submission (of documents)

Above is an overview of the kakutei shinkoku tax declaration process.

If you need assistance with your tax refund application, let HSB JAPAN handle it for you! We ensure a professional, fast, and accurate process so you can reclaim your rightful benefits with peace of mind.

HSB JAPAN PROMISES:
✅ Direct communication with tax authorities, ensuring ACCURATE and FAST processing.
✅ Assistance with complex cases and challenging scenarios.
✅ Clear and transparent contracts, with no hidden fees.
✅ Helping you MAXIMIZE your tax refund.

📩 Contact HSB JAPAN today for a detailed consultation and claim your benefits with confidence!

How to Get the Maximum Nenkin Refund from Japan?

How to Maximize Your Nenkin Refund from Japan? Discover the secrets to optimizing your contribution period and procedures with the support of HSB JAPAN to receive your full benefits quickly and safely.

1. What is Nenkin? Who Can Claim Nenkin Refunds?

Nenkin is Japan’s mandatory pension system for workers, including foreign employees. When you stop working in Japan, you can apply for a partial refund of the Nenkin contributions you have made.

Eligibility for Nenkin Refund:

• No longer residing in Japan.
• Have canceled insurance and residency before leaving Japan.
• Paid Nenkin contributions for at least 6 months.
• Submit the Nenkin refund application within 2 years of leaving Japan.

Nenkin Calculation Formula: Nenkin Refund = Average Monthly Salary × Nenkin Factor

2. How to Maximize Your Nenkin Refund

2.1. Plan Your Contribution Period Wisely

2.1.1. Nenkin is calculated in multiples of 6 months. For example:

• If you contribute for 6-11 months, it is counted as 6 months.
• If you contribute for 35 months, it is counted as 30 months.

Ensure your contribution periods are 6, 12, 18, 24,… months to avoid losses.

2.1.2. Maximum Contribution Limit of 5 Years:

• You can receive a refund for a maximum of 60 months (5 years).
• Contributions beyond 5 years will only be refunded up to the 5-year limit.
• Once you reach 5 years, consider returning to your home country to claim your Nenkin refund before re-entering Japan for work.

2.2. Choose a Reliable and Professional Service

Handling the Nenkin refund process on your own can be time-consuming and challenging, leading to potential issues such as:

• Lost Documents: Even a minor mistake can delay the entire process.
• Rejected Applications: Lack of experience may result in applications not meeting the requirements.
• Complex Procedures: Figuring out the process yourself may take weeks or even months.

Be cautious of unreliable services, as you may risk losing both your first and second Nenkin refunds.

Warning signs of unreliable service providers:

• Requesting advance fees without properly processing applications.
• Delaying or refusing responsibility if the application is rejected.
• Lack of transparency in processing progress, leaving you uninformed about your application status.
• Disappearing after collecting the deposit, leaving you without support.
• Concealing information about the second Nenkin refund (20% tax refund), misleading you to believe the first refund is the full amount.

Why Choose HSB JAPAN?

With 15 years of experience, HSB JAPAN has successfully assisted over 50,000 cases in claiming pension lump sums and tax refunds in Japan. We take pride in being a reliable partner, helping Filipinos and other nationalities reclaim their rightful refunds quickly and hassle-free.
By choosing HSB JAPAN, you will receive the following:
 Professional Support: Honest consultation and assistance with any challenges you may encounter.
 Transparent Process: Simple, clear, and always on time.
 Comprehensive Document Preparation: Save time and effort with our expert support.
 Low Fees: No hidden charges, with everything clearly explained upfront.
 100% Success Rate: Ensuring you receive the maximum amount you deserve.

Choose HSB JAPAN to protect your financial rights safely and effectively!

How to Register Dependents to Reduce Residence Tax in Japan

Residence tax (住民税 or juminzei) is a mandatory tax for anyone earning an income in Japan. However, you can reduce or even eliminate your residence tax by registering dependents appropriately, which can help you save money efficiently. In this article, HSB JAPAN explains the process and introduces our professional tax consultancy services to assist you in managing your taxes effectively while living in Japan.

1. What is Residence Tax in Japan?

Residence tax (住民税 or juminzei) is a local tax applied to both Japanese citizens and foreign residents earning an income in Japan. This tax is used to fund essential public services, such as education, welfare, waste management, disaster prevention, and cultural activities within the local municipality.

Anyone earning over ¥1,000,000 annually is generally required to pay residence tax.

To reduce residence tax to zero, you need to adjust your taxable income (給与所得, kyuuyo shotoku) to stay below the exemption threshold (非課税限度額, hikazei gendogaku) set by your city or ward.

2. How to Register Dependents to Reduce Residence Tax

Step 1: Determine Your Taxable Income

Your taxable income is calculated as:
Taxable Income = Total Annual Income – Deductions (insurance, dependents, etc.)

You can calculate your taxable income using online calculators provided by the Japanese Tax Agency. Input your annual income (年収, nenshuu), and it will display your taxable income. Get the link

Step 2: Identify the Residence Tax Exemption Threshold

The exemption threshold varies depending on the number of dependents and the city or ward where you live. Each city is categorized into different zones (e.g., Zone 1, 2, or 3), which determine the exemption levels.

For example, in Tokyo (Zone 1), the exemption threshold is calculated as:
Exemption Threshold = (¥350,000 × Number of Family Members) + ¥100,000 + ¥210,000

The number of family members includes:

• The head of the household
• A spouse (if their income is below the specified limit)
• Registered dependents (including children under 16, whether they live in Japan or abroad).

Step 3: Compare and Adjust to Reduce Residence Tax to Zero

After determining your taxable income and the exemption threshold, compare the two:
Taxable Income < Exemption Threshold = No Residence Tax

For example:

• If your annual income is ¥3,000,000, your taxable income might be ¥2,020,000 (after deductions).
• With two dependents: Exemption threshold = ¥1,360,000 → Tax still applies (¥2,020,000 > ¥1,360,000).
• With three dependents: Exemption threshold = ¥1,710,000 → Tax still applies (¥2,020,000 > ¥1,710,000).
• With four dependents: Exemption threshold = ¥2,060,000 → No tax (¥2,020,000 < ¥2,060,000).

If your income increases by approximately ¥300,000 annually, adding one more dependent may help you maintain exemption from residence tax.

About HSB JAPAN – Tax, Pension & Visa Consultancy

Navigating Japan’s tax system can be complex, especially for foreign residents. At HSB JAPAN, we specialize in tax refund consultancy, including residence tax, income tax, and pension claims. Our team provides:

• Professional assistance in registering dependents to optimize your tax benefits.
• Step-by-step guidance for tax filing and refund applications.
• Expertise in resolving visa and residency-related tax issues.

Our goal is to simplify the process and help you maximize your savings. Contact HSB JAPAN today to make your financial management in Japan stress-free and efficient.

We hope this guide helps you understand how to reduce your residence tax in Japan. With the right adjustments and professional support from HSB JAPAN, you can optimize your financial planning and enjoy a more comfortable life in Japan.

What to Do After Arriving in Japan

As Japan reopens its borders for purposes beyond tourism, many individuals are moving to the country for work, study, or other long-term stays. If you’re one of them, it’s essential to prepare for life in Japan. This guide will walk you through the crucial steps to ensure a smooth transition. For expert assistance in navigating tax refunds, pension claims, and visa-related matters, consider HSB JAPAN – your trusted partner in Tax, Pension & Visa Consultancy.

Table of Contents:

1. Get Your Residence Card
2. Get Your Train Cards
3. Make Your Hanko
4. Make a Bank Account
5. Get Your Japan Phone Number
6. Set Up Utilities: Electricity, Gas, and Water
7. Get Wi-Fi for Your New Home
8. Separate Your Garbage and Learn the Schedule
9. Find a Good Remittance Company

1. Get Your Residence Card

Your residence card (在留カード zairyu ka-do) is your official identification in Japan. You must carry it at all times. Upon arriving at major airports such as Narita, Haneda, Kansai, or Chubu, immigration officers will issue your residence card. If you’re entering through another airport, visit the nearest Immigration Bureau to obtain it.

After receiving the card, you must register your address at your local city hall within two weeks. This step is mandatory and ensures your residence card is valid. 

2. Get Your Train Cards

Public transportation in Japan is efficient and widely used. Obtain a train or transit card like Suica or Pasmo on your first day. These cards can be purchased and recharged at any train station. They’re convenient not just for travel but also for payments at vending machines and stores.

You can top up your card at train stations or convenience stores, making it an essential item for daily life.

3. Make Your Hanko

Unlike many countries where signatures suffice, Japan uses a hanko (はんこ), a personalized stamp, for signing contracts. You’ll need a hanko for tasks like renting an apartment or setting up a phone plan.

Foreigners can create a custom hanko at specialized shops, with costs varying based on material, size, and complexity. Always carry it alongside your residence card.

4. Make a Bank Account

Opening a bank account in Japan can be challenging, especially if you don’t speak Japanese. Many foreigners opt for Japan Post Bank (ゆうちょ銀行 Yucho Ginkou) due to its accessible process.

Be prepared to answer questions about your purpose for the account and your financial background. This account is crucial for receiving salaries and handling other financial transactions. 

5. Get Your Japan Phone Number

A Japanese phone number is necessary for filling out forms and staying connected. Providers like Rakuten Mobile, Line Mobile, UQ Mobile, and Y! Mobile offer affordable plans. Most staff at these stores may not speak English, so it’s helpful to bring someone fluent in Japanese to assist you.

6. Set Up Utilities: Electricity, Gas, and Water

When you move into a new apartment, utilities like electricity, gas, and water are usually not active. Contact the respective companies to schedule activation. They may require a brief visit to your home to set up these services.

7. Get Wi-Fi for Your New Home

Reliable internet is essential. Providers like SoftBank, J:Com, Rakuten, and Nuro offer various plans. Applications can be made online or in-store. Installation appointments are required, so schedule them early to avoid delays. If you’re not fluent in Japanese, seek assistance from someone who is.

8. Separate Your Garbage and Learn the Schedule

Garbage disposal in Japan follows strict rules, with schedules and categories varying by area. Common categories include burnable, non-burnable, bottles, cans, and paper. Garbage should be placed in designated bags and taken out before 8 AM on collection days.

Familiarize yourself with your area’s rules to avoid fines and maintain cleanliness.

9. Find a Good Remittance Company

If you plan to send money to loved ones back home, finding a reliable remittance service is crucial. Look for companies offering competitive rates and convenient processes. HSB JAPAN can also recommend trusted remittance services to help you send money securely and efficiently.

Moving to Japan can be an exciting yet challenging experience. By following these steps, you’ll ensure a smoother transition and start your new life on the right foot. HSB JAPAN is here to assist you with tax, pension, and visa-related matters, ensuring you make the most of your time in Japan. Contact us today for professional and reliable support!

Japan’s Health Insurance System: A Comprehensive Guide

Japan’s healthcare system ensures “Universal Health Insurance Coverage,” mandating that every resident, from newborns to seniors, participates in public health insurance. This coverage also extends to foreign nationals residing in Japan for medium to long-term periods, including workers and students. HSB JAPAN is here to help you navigate and understand this comprehensive healthcare system.

Managed by the government or designated public organizations, the type of insurance you join depends on your employment status and workplace rather than personal choice. Below is a detailed guide to the various types of health insurance available in Japan.

1. National Health Insurance (NHI)

Who Should Join?

• Self-employed individuals.
• Foreign students studying in Japan.

Enrollment is conducted at the city, town, or village office (shi-cho-son).

Premiums

Premiums vary depending on your income from the previous year in Japan. New international students with no prior income in Japan typically pay the lowest premium. After enrollment, a payment slip will be sent to your address. You can pay the premium at convenience stores or banks.

Important: If you fail to pay the premium, your insurance card becomes invalid, and you’ll have to pay 100% of medical costs upfront at the hospital.

Example:

• With an insurance card: You pay 30% of a 10,000-yen medical bill (3,000 yen).
• Without an insurance card: You pay the full amount (10,000 yen).

Additional Benefits:

1. High Medical Expense Coverage: If your monthly medical expenses exceed a set limit (subject to conditions), the insurance covers the excess amount.
2. Childbirth Lump-Sum Allowance: You can receive approximately 400,000 yen upon the birth of a child.

2. Employee Health Insurance

Who Should Join?

Employees of companies and their families.

Your enrollment is handled by your employer, and your type of insurance depends on your workplace. Examples include:

• Large companies: Join specific health insurance societies.
• Private schools: Join Shigaku Kyosai.
• Other organizations: Join Kyokai Kenpo.

Premiums and Contributions

Premiums are deducted from your salary, and your employer contributes an equal amount. For instance, if 20,000 yen is deducted monthly from your salary, your employer pays an additional 20,000 yen to the insurance provider.

Key Benefits:

1. Sickness Allowance: If you’re unable to work due to illness or injury (unrelated to work), you can receive approximately two-thirds of your salary after a three-day waiting period. This includes cases where you recover at home, provided you have a doctor’s certificate.
2. Childbirth Allowance:
   • Pre-birth leave: 42 days before the expected delivery date (98 days for twins).
   • Post-birth leave: 56 days after childbirth.
   • You can receive two-thirds of your salary during this period.
3. High Medical Expense Coverage and Childbirth Lump-Sum Allowance: Similar to NHI.
4. Parental Leave Allowance: Both parents can take leave, but only one can receive this benefit at a time, amounting to about 50% of their salary.
5. Childcare Support: Up to one year after childbirth, this allowance supports parents who take time off work for child-rearing.

3. Labor Insurance

Labor insurance includes Employment Insurance and Worker’s Accident Compensation Insurance, which are mandatory for employees.

3.1 Employment Insurance

Benefits:

• Unemployment Benefits: Financial support during job search periods. Enrollment and claims are handled at Hello Work centers.
• Parental Leave Allowance: Available for up to one year after childbirth.
• Training Benefits: Financial aid for skill development or certifications to enhance employability.

3.2 Workers Accident Compensation Insurance

Coverage:

• Medical costs for injuries or illnesses sustained at work.
• Compensation for lost wages during recovery.
• Disability benefits if the injury results in long-term impairment.
• Death benefits for the family in case of fatal workplace accidents.

Keynote:

• The company covers the entire premium for this insurance.
• Be honest about workplace injuries to avoid legal consequences and ensure maximum benefits.
• Disability compensations are categorized into 14 levels, with severe cases receiving annual pensions and less severe cases receiving lump sums.

Conclusion

Japan’s health insurance system provides comprehensive coverage to ensure residents’ well-being. Whether you’re a student, a self-employed individual, or an employee, understanding the benefits and responsibilities associated with each type of insurance is crucial. Always ensure timely enrollment and premium payments to access these benefits when needed.

With over 15 years of experience, HSB JAPAN offers comprehensive support to interns in managing pensions, tax refunds, and labor rights in Japan. Contact us for expert guidance.

Can Foreign Interns in Japan Take on Part-Time Jobs?

The question of whether foreign interns in Japan are allowed to take on part-time jobs is a common concern for those exploring Japan’s internship and labor export programs. Some claim that interns are strictly prohibited from taking extra work, while others suggest it is permissible. So, what is the accurate answer? Let HSB JAPAN help you explore the details below.

1. Are Foreign Interns in Japan Allowed to Take on Part-Time Jobs?

Foreign interns in Japan are not permitted to engage in other jobs outside their assigned roles after entering the country unless they are granted permission to do so at the time of entry or as per overtime policies specific to their company or organization.

This restriction is based on Japanese labor laws, which stipulate that individuals with specific residence statuses are prohibited from participating in activities or jobs outside the scope of their visa. Violations of these rules can lead to severe penalties, including immediate deportation.
For example, an intern on a construction visa is only allowed to work within the designated field and for the assigned employer. Any external work outside the permitted scope is illegal and could result in deportation if discovered.

Conclusion: Interns are allowed to take on extra work only if it is assigned by their employer. Any unauthorized work outside the registered scope is strictly prohibited.

2. Regulations on Overtime Work for Foreign Interns in Japan

In this section, we delve into the legal framework for overtime work, which is a common way for interns to supplement their income.

Permissible Overtime Hours

According to Japanese labor laws, the permissible working hours for employees, including interns, are as follows:

• Daily and Weekly Hours: Interns can work up to 10 hours per day and 40 hours per week.
• Overtime Limits: Overtime work must not exceed 50% of the total daily work hours, with a maximum of 45 hours per month and 360 hours per year.
• Holiday and Night Work: Workers may work up to 12 hours on holidays, and night shifts from 10 PM to 5 AM are subject to special rates.

Overtime Pay Rates

Japanese companies calculate overtime pay based on labor law standards:

• Weekday Overtime (5 PM – 10 PM): 125% of the base hourly wage.
• Night Overtime (10 PM – 5 AM): 125% of the base hourly wage.
• Holiday Overtime (Saturday, Sunday, and public holidays): 135% of the base hourly wage.
• Special Holiday Overtime: 160%-200% of the base hourly wage.

For instance, if an intern typically earns 1,000 yen per hour and works 4 overtime hours in the evening, the hourly overtime pay would increase to 1,250 yen (25% extra).

Additional Notes on Income

Unlike regular jobs, overtime income is not typically subject to deductions for food, insurance, or transportation, allowing interns to retain most of their earnings.

3. Important Considerations for Foreign Interns Taking on Overtime

While interns may legally engage in overtime work, it is essential to follow these guidelines:

• Document Overtime Hours: Keep accurate records to verify pay and avoid disputes.
• Avoid Unauthorized Work: Violating labor laws can result in deportation or other penalties.
• Notify Authorities When Necessary: Ensure transparency by informing relevant authorities about overtime work arrangements.

4. Common Questions from Foreign Interns About Overtime

Q1: Which industries offer the most overtime opportunities?
Construction, agriculture, and food processing frequently offer overtime due to their operational demands.

Q2: Can interns take on overtime in a different field?
This depends on the company’s policies and the specific skill set of the intern. Approval from the employer is mandatory.

Q3: Are there work-from-home options for overtime?
Certain fields, such as IT and design, may allow interns to work overtime from home. However, explicit approval is required.

Q4: Can interns switch companies for more overtime opportunities?
Interns can transfer companies under specific conditions, such as employer bankruptcy or mistreatment. However, switching solely to seek additional overtime is not permitted.

Conclusion

Foreign interns in Japan are restricted from engaging in part-time jobs outside their assigned roles unless authorized by their employer. Legal overtime work is allowed and provides a legitimate way to increase income.

With over 15 years of experience, HSB JAPAN offers comprehensive support to interns in managing pensions, tax refunds, and labor rights in Japan. Contact us for expert guidance.

Guide to Self-Check Your Nenkin Payment Status in Japan via Nenkin Net

As a resident of Japan, paying taxes and insurance, including Nenkin (pension contributions), is mandatory. This obligation applies to everyone, from students to workers, and directly impacts visa status and residency in Japan. What happens if you forget your payment deadline? This article by HSB JAPAN will guide you on how to check your Nenkin payment status using the Nenkin Net website (年金ネット).

1. What Are Nenkin and Nenkin Net?

a. What is Nenkin?

Nenkin (公的年金制度 – Koteki Nenkin Seido) is a mandatory pension insurance system for all individuals living and working in Japan. It applies to people aged 20–59, regardless of gender, occupation, or nationality. Even foreign residents staying for a short period must enroll in this program.

Upon retirement (after 65 years of age), individuals who have fulfilled their Nenkin payment obligations will receive a pension to support their lives. Additionally, before turning 65, participants may be eligible for other benefits, such as survivor’s or disability allowances, in case of unforeseen incidents.

There are two main types of Nenkin payments in Japan:

• Basic Pension (Kokumin Nenkin – 国民年金)
• Employee Pension (Kosei Nenkin – 厚生年金)

Learn more about the pension system in Japan through this detailed guide.

b. What is Nenkin Net?

Nenkin Net is an online platform that allows users to check their Nenkin payment status. Forgetting payment deadlines or missing payments can result in Nenkin arrears, which may impact visa renewal or obtaining permanent residency in Japan.

Through this website, you can check the following information anytime, anywhere:

• Personal details
• Monthly Nenkin payment records
• Total amount paid
• Amount paid by the individual and employer
• Projected pension benefits after turning 65
• Notifications of Nenkin statements and delivery times
• Updates from the Japan Pension Service

2. How to Register on Nenkin Net

To begin, you need to create an account on Nenkin Net. Prepare the following information:

• Nenkin Handbook
• Email address
• Mobile phone number

Note: If you’ve lost your Nenkin Handbook, contact HSB JAPAN for assistance in retrieving it.

Step 1: Access the Nenkin Net Website

Visit Nenkin Net.

Step 2: Register a New Account

• Select 新規登録 to create a new account.
• If you already have an account, click ログイン to log in.
  This guide focuses on registering a new account.

Step 3: Provide Your My Number Information

• If you have a My Number, download the マイナポータル app and follow the instructions (available for iOS and Android).
• If you do not have a My Number, select アクセスキー and follow the instructions provided in the reference image.

Access Key (アクセスキー):
This 17-digit code is used to retrieve your Nenkin Net User ID. It is printed on the Nenkin Annual Statement (ねんきん定期便) sent in your birth month each year. The access key is valid for three months from the statement’s issue date.

Once you review the necessary content, check the box agreeing to the 利用規約に同意する terms and click ご利用登録に続ける to proceed.

Step 4: Register Personal Information

Fill out the following 10 fields:

1. 基礎年金番号入力: Basic Pension Number
2. 氏名入力: Full Name
3. 生年月日入力: Date of Birth
4. 性別選択: Gender
5. 郵便番号と住所入力: Postal Code and Address
6. お客様設定パスワード入力: Password for Nenkin Net login
7. 秘密の質問と答え設定: Security Question and Answer
8. メールアドレス入力: Email Address
9. お知らせメール希望: Confirm receiving updates via email by selecting 希望する.
10. 電話番号入力: Phone Number in Japan

After completing the form, review the information and click 次に進む (入力内容を確認する) to confirm your submission.

Once registered, you can easily check your Nenkin payment status anytime. Taking proactive steps to monitor your payments and ensuring timely contributions is highly beneficial for foreign residents living in Japan. Best of luck!

Want to receive your Nenkin quickly? Contact HSB JAPAN now!

– With 15 years of experience and over 50,000 successful customes handled

– Preparing your documents online for same-day processing. No complicated procedures

– Commitment to securing 100% of your Nenkin for both 80% and 20% with clear invoices

– Free processing for the first Nenkin application. Fixed all-inclusive fee for Nnekin 2, no hidden costs

– Rest assured you will receive your Nenkin Application in your bank account

– Support available 24/7 to resolve any issues until you receive 100% of your pension lumpsum

How to Register Dependents to Get Exemptions from Resident Tax

Resident tax (住民税) is a mandatory tax for individuals with income in Japan. However, you can reduce or even eliminate your resident tax by appropriately registering your dependents, helping you save more effectively. Let’s explore how with HSB JAPAN in this article.

Table of Contents

• What is Resident Tax?
• How Many Dependents Do You Need to Register to Reduce Resident Tax to Zero?
• Step 1: Determine Your Taxable Income
• Step 2: Identify the Resident Tax Exemption Threshold
• Step 3: Compare and Adjust to Bring Resident Tax to Zero

1. What is Resident Tax?

Resident tax (住民税) is a type of tax applied to the income of both citizens and foreign residents living in Japan. Its purpose is to ensure funding for local governments. The collected tax is used for education, welfare, waste management, disaster prevention, and cultural activities within the local community.

Anyone earning an annual income of 1,000,000 yen (100 man) or more is required to pay resident tax.

To be exempt from resident tax (i.e., bring it to zero), you typically need to adjust your taxable income (給与所得 – きゅうよしょとく) to be below the non-taxable threshold (非課税限度額 – ひかぜいげんどがく) set by your city or municipality.

2. How Many Dependents Do You Need to Register to Reduce Resident Tax to Zero?

Step 1: Determine Your Taxable Income

First, calculate your taxable income:

Taxable Income = Total Annual Income – Deductions (insurance, dependents, etc.)

You can calculate your taxable income based on your total annual income (給与年収) using the formula provided by your local tax office. Input your income into an online calculator (provided by the Tax Bureau) to get an estimate. Link

Step 2: Identify the Resident Tax Exemption Threshold

The exemption threshold varies depending on the number of dependents you register and the city you live in. Check whether your location falls under Area 1, 2, or 3 for specific thresholds.

For example, in Tokyo (Area 1), if your taxable income is less than:

• (35man×family members)+10man+21man(35 \text{man} \times \text{family members}) + 10 \text{man} + 21 \text{man}(35man×family members)+10man+21man,
  then your resident tax will be zero.

Family Members (世帯人数) include:

• The household head,
• Dependent spouse (income below a certain threshold),
• Registered dependents (including dependents in Vietnam or Japan, as well as children under 16).

Step 3: Compare and Adjust to Bring Resident Tax to Zero

To eliminate resident tax:

Taxable Income < Resident Tax Exemption Threshold

For example:

• Total Annual Income: 3,000,000 yen (300 man) → Taxable Income: 2,020,000 yen (202 man).
• With 2 dependents: Exemption threshold = 1,360,000 yen (136 man) → Still taxable (202 man > 136 man).
• With 3 dependents: Exemption threshold = 1,710,000 yen (171 man) → Still taxable (202 man > 171 man).
• With 4 dependents: Exemption threshold = 2,060,000 yen (206 man) → Tax reduced to zero yen (202 man < 206 man).

If your income increases by around 300,000 yen (30 man) annually, you would only need to add one more dependent to maintain your resident tax exemption.

Conclusion

We hope this article is helpful for those seeking ways to reduce their resident tax! By understanding your income and registering dependents effectively, you can minimize your tax burden and save more for your needs.

Follow HSB JAPAN for more tips on managing taxes and documentation in Japan.

Childbirth Benefits in Japan: A Comprehensive Guide

When expecting a baby in Japan, there are many things to consider, and the financial aspects are often a significant concern. Fortunately, Japan’s healthcare system offers several benefits to help ease the burden of childbirth expenses. One of the most important benefits is the Childbirth and Childcare Lump-Sum Grant. This financial aid can significantly reduce out-of-pocket costs for new parents, making the transition into parenthood more manageable. In this guide, we will explore the details of the Childbirth Lump-Sum Grant, eligibility criteria, the application process, and other related benefits available to residents of Japan.

1. Understanding the Childbirth and Childcare Lump-Sum Grant

The Childbirth and Childcare Lump-Sum Grant (出産育児一時金, Shussan Ikuji Ichiji-kin) is a benefit provided by Japan’s health insurance system. The grant is designed to assist with childbirth expenses and is available to both Japanese nationals and foreign residents who are covered under the national health insurance or an employer’s health insurance plan.

The grant amount typically covers a portion of the delivery expenses, and the specific amount varies depending on the hospital or clinic chosen for delivery. The standard grant is approximately ¥500,000, but it can be slightly less at certain facilities, with some offering a reduction based on the institution’s policies.

2. Eligibility for the Childbirth Lump-Sum Grant

To be eligible for the Childbirth and Childcare Lump-Sum Grant, several criteria must be met:

• Health Insurance Coverage: Both Japanese nationals and foreign residents must be covered under the national health insurance or a private health insurance plan.
• Pre-Delivery Registration: Parents must ensure that the childbirth benefit is registered in advance with their health insurance provider. This process typically starts when the pregnancy is confirmed, and it’s important to apply well in advance of the due date.
• Notification of Pregnancy: In many cases, the expecting mother must notify her insurance provider of her pregnancy early on to confirm her eligibility for benefits.
• Required Documents: Expecting parents will need to provide documentation such as proof of pregnancy and confirmation of health insurance coverage. This may include submission of a medical certificate or other forms provided by the health insurance provider.

3. How Much Can You Expect to Receive?

The Childbirth Lump-Sum Grant is designed to cover a portion of the delivery costs, but the actual amount you receive depends on several factors. On average, the grant is approximately ¥500,000 (¥488,000 for foreign workers giving birth in their home country) but it may be lower depending on the specific hospital or clinic.

If the total delivery costs exceed this amount, the expecting parents will need to cover the difference. However, in cases where the expenses are lower than the grant, the remaining amount may be refunded or not fully paid out to the healthcare facility.

4. How to Apply for the Childbirth Lump-Sum Grant

To apply for the Childbirth Lump-Sum Grant, the expecting mother must follow these steps:

1. Confirm Eligibility: Ensure that you are covered under the appropriate health insurance plan (either public or employer-based).
2. Pre-Registration with the Insurance Provider: In advance of your due date, contact your health insurance provider to complete the necessary forms and pre-register for the childbirth benefit. Some insurers offer online registration, while others may require an in-person visit.
3. Submit Required Documents: Depending on your insurer, you may need to submit medical certificates, proof of pregnancy, and other relevant documents. Be sure to check with your insurance provider to confirm the paperwork needed.
4. Confirmation from the Hospital: Your healthcare provider will typically handle the submission of your benefit application to the insurance provider. They will coordinate directly with the insurer to receive the grant on your behalf, ensuring that the process is streamlined.
5. Receiving the Grant: After the hospital has submitted the paperwork, the grant is usually paid directly to the healthcare provider. If the delivery expenses are lower than the grant amount, the remaining funds may be refunded to the expecting parents.

5. What If You Have an Unexpected Complication During Childbirth?

In cases where complications arise during childbirth, such as an emergency cesarean section or the need for extended hospitalization, the costs may exceed the standard childbirth fees. In these situations, additional insurance coverage or government benefits may be available.

6. Other Related Childbirth Benefits in Japan

In addition to the Childbirth Lump-Sum Grant, Japan offers several other benefits to help parents manage the financial challenges of having a baby. These include:

• Maternity Leave and Pay: Maternity leave benefits in Japan allow mothers to take time off from work before and after childbirth. The maternity leave allowance typically covers a portion of the salary for the first 14 weeks after childbirth, up to a certain percentage of their income.
• Parental Leave: After maternity leave, parents in Japan can apply for parental leave, allowing them to stay home and care for their child. This leave is typically paid at a percentage of the employee’s regular wage, although the exact amount varies based on employment type and length of service.
• Childcare Leave for Fathers: In an effort to promote gender equality, Japan also provides parental leave benefits for fathers. Fathers can take paid leave following the birth of their child, which helps share the caregiving responsibilities and reduces the burden on mothers.
• Child Allowance: The Japanese government also provides a child allowance to eligible families to help with the cost of raising children. This allowance varies depending on the child’s age and the family’s income level.

7. Practical Tips for Maximizing Your Benefits

Here are some practical tips for ensuring you receive the maximum benefits available when giving birth in Japan:

• Register Early: Ensure you register for childbirth benefits as early as possible with your insurance provider. Early registration helps avoid delays and ensures that your benefits are processed smoothly.
• Choose the Right Healthcare Facility: Research different hospitals or clinics to determine their policies regarding the Childbirth Lump-Sum Grant. Some facilities may offer additional services or discounts, while others may charge higher rates for delivery.
• Consult with Your Employer: If you are covered under employer-based health insurance, make sure to consult with your HR department for guidance on applying for childbirth benefits and to confirm the coverage details.
• Utilize Additional Benefits: Don’t forget to explore other financial support programs available in Japan, such as parental leave or the child allowance, to maximize your financial support during and after childbirth.

8. Common Challenges and How to Overcome Them

While Japan’s childbirth benefits are comprehensive, navigating the system can be challenging for foreign residents or those unfamiliar with the process. Some common challenges include:

• Language Barriers: Some foreigners may struggle with language barriers when communicating with healthcare providers or insurance companies. It’s helpful to bring a Japanese-speaking friend or hire a translator when completing necessary paperwork.
• Understanding the Application Process: The application process for the Childbirth Lump-Sum Grant may seem complicated, especially for first-time parents. Consulting with your health insurance provider or an experienced advisor can help streamline the process.
• Navigating Complex Costs: Delivery costs can vary greatly depending on the hospital and medical complications. Be proactive in understanding the cost breakdown and discussing the details with your healthcare provider to avoid unexpected expenses.

Conclusion

The Childbirth and Childcare Lump-Sum Grant is an essential financial benefit for parents expecting a child in Japan. By understanding the application process and being proactive in registering for the benefit, you can maximize your financial support and ensure a smoother transition into parenthood. Whether you are a foreign resident or a Japanese national, the process is designed to be straightforward, and with the right information, you can take full advantage of the available benefits. If you need assistance with the application process or have specific questions about childbirth benefits in Japan, don’t hesitate to reach out HSB JAPAN for more support!

1️⃣ Extensive experience: Over 15 years of service and successful handling of 50,000+ cases.

2️⃣ Clear commitment: 100% of the allowance is transferred directly to the account holder.

3️⃣ Fast processing: Online support for simple, time-saving documentation.

4️⃣ Dedicated support: We handle all issues until the process is complete.

5️⃣ Comprehensive service: Assistance with both maternity benefits and Nenkin retrieval, plus tax refund services.

By incorporating these tips and understanding the full scope of benefits, new parents in Japan can reduce the financial strain of childbirth and focus on their growing families with peace of mind.

What is Gensen? A Simple Guide to Reading the Gensen Paper

Many workers in Japan often wonder what Gensen is, how to obtain it, or why they haven’t received it despite years of working. Don’t worry! HSB JAPAN is here to help decode the issues surrounding the Gensen document. This paper is essential for verifying your income and taxes deducted, and it’s important for tax refunds or other financial matters in Japan. Let us guide you through all the details you need to know!

What is Gensen?

At the end of each year, workers in Japan receive a document detailing their total income and tax deductions. This is called the Gensen Choshu Hyo. It serves as a tax document within Japan’s system, showing the income and taxes paid, and is often used by companies and individuals to verify income and taxes to the authorities.

In December, workers get this document which includes company address, personal details, total amount received, tax deductions, and insurance. It is essential for processing nenkin and tax refunds when returning to Vietnam.

Importance Information on Gensen

1. Total Income (支払金額): This refers to the total income received from the company, including salary, bonuses, housing allowances, etc.
2. Taxable Income After Deductions (給与所得控除後の金額): This amount is the income after deductions for necessary work-related expenses, which are not subject to tax. The total income from the first section is reduced by these allowable deductions.
3. Total Other Income Deductions (所得控除の額の合計額): This includes various tax-exempt deductions:

• Spouse Deduction (配偶者控除): For a non-working spouse or a spouse earning less than 1.03 million yen annually.
• Dependent Deduction (扶養控除): For dependents like parents or in-laws, typically reducing taxable income by 380,000 yen per dependent.
• Spouse Special Deduction (配偶者特別控除): For a spouse with earnings between 1.03 million and 1.6 million yen.
• Life Insurance Deduction (生命保険料の控除額): For life insurance premiums.
• Earthquake Insurance Deduction (地震保険料の控除額): For earthquake insurance premiums.

1. Total Taxes Paid (源泉徴収税額): Reflects the taxes you have paid, calculated based on taxable income.
2. Total Social Insurance Payments (社会保険料等の金額): Includes health insurance, pension insurance, unemployment insurance, and workers’ compensation.

Additional Industry Terms:

• 勤怠（きんたい): Attendance
• 所定 (しょてい): Standard working days for the month
• 出勤 (しゅっきん): Days worked
• 休出 (きゅうしゅつ): Working on a holiday
• 欠勤 (けっきん): Absences (sick leave,  personal reasons, etc.)
• 遅刻時間 (ちこくじかん): Late arrival hours
• 早退時間 (そうたいじかん): Early leave hours
• 私用外出 (しようがいしゅつ): Personal time out during working hours
• 年休 (ねん) or 有休 (ゆうきゅう): Paid vacation days
• 年休残 (ねんきゅうざん): Remaining vacation days
• 病欠 (びょうけつ): Sick leave
• 出勤時間 (しゅっきんじかん): Work hours
• 残業時間 (ざんぎょうじかん): Overtime hours
• 深夜時間 (しんやじかん): Late-night work hours
• 休日時間 (きゅうじつじかん): Work on a holiday

Other terms include various allowances and deductions such as housing, commuting, overtime, and taxes like health insurance, pension, unemployment, and income tax.

Is the Gensen Important?

The Gensen is essential for claiming a tax refund and is required for applying for Nenkin (pension) refunds. For individuals who earn above 1.03 million yen annually and have dependents, it helps reduce taxes through deductions.

What to Do if You Lose Your Gensen Paper? 

If you lose your Gensen, contact your employer’s administrative or accounting department to request a replacement.

How to Apply for Tax Refund with Gensen

To claim Tax Refund, submit the Gensen along with other required documents like your alien registration card, household registration, and transfer forms.

HSB JAPAN’s Tax Representative service allows you to authorize them as your tax representative to handle procedures at the tax office on your behalf. This ensures that you can easily claim your third Nenkin refund even while abroad.

Conclusion

This guide covers essential information on reading and calculating a Japanese payslip, which is crucial for all foreign trainees in Japan. Make sure to remember these details!

As mentioned earlier, resident and income taxes are significant deductions, but there are ways to claim refunds or reductions. Contact HSB Japan’s tax refund services for detailed guidance.

Nenkin Refund in Japan: Everything You Need to Know About Japan’s Pension System

Understanding and navigating Japan’s pension system can be tricky, but if you’ve worked in Japan and contributed to Nenkin, you may be entitled to a refund. By working with a trusted service like HSB JAPAN, you can ensure that your Nenkin refund process is as smooth and efficient as possible. Whether you need assistance with your pension lump sum or have questions about your eligibility, HSB JAPAN – we’re here to help!

What is Nenkin? Key Facts About Japan’s Pension System

Nenkin (年金) refers to Japan’s pension insurance system, which is a mandatory contribution for anyone living and working in Japan. The system ensures that people are supported financially in their old age. The system consists of three main types of pensions, each designed for different groups of people.

All residents aged 20 and above are required to participate in the Nenkin scheme, regardless of nationality. However, the specific type of Nenkin someone participates in depends on their employment status and income level. Below is a quick overview of the three main types of Nenkin insurance:

1. Kokumin Nenkin (National Pension)

This is the basic pension system and is mandatory for all Japanese residents aged 20 to 60 years, regardless of their nationality.

• Eligibility: Students, freelancers, self-employed individuals, and those not covered by other pension plans.
• Contribution: Around 16,000 yen per month (fixed amount), regardless of income.
• Note: Those who are not planning to apply for permanent residency may choose not to participate.

2. Kousei Nenkin (Employees’ Pension Insurance)

This pension scheme applies to people working as full-time employees (seishain) in companies.

• Contribution: The amount is deducted directly from employees’ salaries each month.
• Employer Contribution: Both the employee and employer contribute 50% each.

3. Kyousai Nenkin (Mutual Aid Pension)

This pension scheme is for public employees, teachers at private schools, and some other specific groups.

Can You Get a Nenkin Refund?

Yes, it is possible to claim a refund for the Nenkin contributions you have made, but there are certain conditions. If you are a non-Japanese citizen who worked in Japan but are no longer a resident, you may be eligible for a refund.

Eligibility for a Nenkin Refund

To apply for a Nenkin refund, you must meet the following criteria:

• Non-Japanese nationality (you are not a Japanese citizen).
• Contributed for more than 6 months but less than 10 years.
• No longer reside in Japan: You must apply for the refund within two years of leaving Japan.
• No ongoing contributions: You must stop contributing to Nenkin at the time you submit your refund application.
  

How to Apply for a Nenkin Refund

If you meet the eligibility requirements, you can apply for a Nenkin refund after leaving Japan. Here’s how the process typically works:

1. Prepare the Necessary Documents

• Send the required documents to a service provider (like HSB JAPAN) for processing.
• You can send documents via email or through their Facebook page to save time.

2. Application Process

Once your documents are submitted, the processing team will prepare your refund application and submit it to the Japan Pension Service. The entire process is usually divided into two payment stages:

• Stage 1: Receive 80% of the total refund amount, usually within 4-6 months.
• Stage 2: The remaining 20% is refunded after another 2-4 months.

3. Payment Methods

• Stage 1: The Japan Pension Service sends the refund directly to your bank account in Japan.
• Stage 2: HSB JAPAN acts as a representative and receives the final refund, then transfers it to your designated account after deducting a service fee (8% of the Stage 2 refund).

Where to Get Help for Nenkin Refunds?

HSB JAPAN is a leading provider of Nenkin refund services in Vietnam. We specialize in helping former workers in Japan—whether you were an intern, engineer, or on a specific visa—retrieve your Nenkin contributions. We offer professional assistance even if you’ve lost your pension book, have outstanding contributions, or encounter other issues.

Why Choose HSB JAPAN?

• 15 years of experience with more than 15,000 successful cases handled.
• Fast and convenient: We prepare and submit your documents the same day.
• Guaranteed refund: We ensure you receive 100% of your Nenkin refund (Stage 1 & Stage 2).
• Transparent pricing: No hidden fees; our service fees are fixed and clear from the start.
• Customer support: We are available 24/7 to assist with any issues until you receive your full refund.

For fast and reliable service, contact HSB JAPAN today to get your Nenkin refund started!

Tax Refund in Japan: A Guide for Foreign Workers

If you’re a foreign worker in Japan, whether you’re a student, intern, or engineer, you are required to pay two main types of taxes: Income Tax (Shotokuzei 所得税) and Residence Tax (Juminzei 住民税). By optimizing your understanding of tax refund in Japan, residence tax, and income tax, you can ensure you are not overpaying and make the most of the benefits available.

Below is a simple breakdown of these taxes and how you can apply for a tax refund in Japan.

1. Income Tax (Shotokuzei 所得税)

What is Income Tax? Income tax in Japan is calculated based on your total annual income. If your income exceeds approximately ¥1,030,000 (around 103 man) per year, you will be required to pay this tax. The more you earn, the higher your income tax liability.

At the end of the year, your employer will summarize your actual income and calculate the actual income tax owed, performing the Nenmatsu Chosei (year-end tax adjustment). This process compares the amount of tax already withheld during the year with the actual tax liability based on your total income for the year. If there is a discrepancy, you will either receive a refund or be asked to pay any additional taxes due.

2. Residence Tax (Juminzei 住民税)

What is Residence Tax?

Residence tax, also known as “municipal tax” or “local tax,” is a tax imposed by the local government to fund social welfare and public services like education, waste management, fire services, etc. This tax is applicable to anyone who earns more than ¥1,000,000 (100 man) per year, regardless of whether they are a student, employee, or foreign worker.

Residence tax is based on your income from the previous year. For newcomers in Japan, if you arrive during your first year, your income for the previous year will be considered as ¥0, so you won’t be required to pay this tax in your first year. However, in the second year, local authorities will calculate the residence tax based on your income from the previous year. This tax is collected starting in June of the following year.

Important Notes on Residence Tax:

• Residence tax is calculated based on the income earned during the previous year (from January 1 to December 31). Therefore, taxes will be due in the local government of your residence as of January 1 of the following year.
• If you change your residence after January 1, the residence tax for the year will still be calculated for the location where you were registered as a resident on January 1.

Example: If you were living in City A on January 1, 2019, and then moved to City B in February 2019, your residence tax for 2019 will be due in City A. The residence tax for City B will start in 2020.

Can You Receive Tax Bills from Both Locations?

No, generally, only the local government where you were registered as a resident on January 1 will collect your residence tax. If you have not updated your address after moving, your previous municipality may continue to send you tax bills. Be sure to register your new address promptly to avoid confusion and ensure that you pay the correct amount.

3. Tax Refund for Foreign Workers in Japan

How to Apply for a Tax Refund (Income and Residence Tax)?

The Japanese government allows individuals to apply for a tax refund or exemption if they meet certain conditions, such as sending money for the support of family members living abroad.

Eligibility for Tax Refunds:

Any taxpayer (regardless of nationality) who has sent money to support family members not residing in Japan may qualify for tax deductions or exemptions. The family members eligible for support are typically those within 6 generations, including spouses and relatives within 3 generations.

Support Conditions:

• Spouse: Send between 5-10 man annually.
• Children aged 16 to 30: Send between 5-10 man annually.
• Elderly over 70: Send between 5-10 man annually.
• Adults aged 30 to 70: Send at least 3,8 man annually.

4. Important Points to Remember

• Tax Refund Procedures: You can apply for tax refunds while still residing in Japan, or even after returning to your home country (Vietnam, for example). However, to apply for a refund for both Income Tax and Residence Tax, it’s recommended to complete the procedure while you are still in Japan.
• Tax Refund Deadline: The refund process is applicable for the last 5 years of tax payments.
• Refund Amount: The amount refunded depends on how many people you support. The more family members you support, the larger the refund.
• Transfer to Vietnamese Accounts: Please note that transfers made to your own bank account in Vietnam will not count as support for family members in Japan.

Conclusion

Japan’s tax system can be complex, but with the right information and proper procedures, you can apply for tax refunds and save money. The taxes in Japan can be quite high, so it’s crucial to understand these procedures and take advantage of any eligible tax refund opportunities.

If you need assistance or are ready to apply for a tax refund, contact HSB Japan’s trusted and professional tax refund services for expert guidance. Call us at 03-5937-2465 for more information or to schedule a consultation.

NOTICE OF HEAD OFFICE RELOCATION

Dear Valued Customers and Partners,

HSB JAPAN is pleased to inform our valued customers and partners of the change in our company address effective from July 23, 2024, as follows:

Old Address: 〒160-0023 東京都新宿区西新宿7-6-8 アイアイビル3F

New Address: 〒130-0026 東京都墨田区両国1-3-12 (925両国第2ビル) 03-5937-2465

From the effective date, please send all correspondence to the new address above. All other functions and information related to our company remain unchanged.

We sincerely thank you for your cooperation and support in the past and look forward to your continued collaboration and support in the future. Thank you very much! Sincerely, HSB JAPAN

THÔNG BÁO THAY ĐỔI ĐỊA CHỈ CÔNG TY

HOW TO GET THE RESIDENCE TAX EXEMPTION IN 2023

For many foreign employees residing in Japan, understanding the nuances of local taxes can be a daunting task. Particularly, the residence tax, which is often a significant annual expense, poses a challenge. However, 2023 brings an opportunity for these expatriates to apply for a residence tax exemption, potentially easing their financial burden.

The eligibility for this exemption and the percentage of tax relief granted is directly linked to the individual’s total personal income earned in the previous year, 2022 in this case. This correlation underscores the importance of maintaining accurate financial records and being aware of one’s income status.

To efficiently navigate this process, foreign workers in Japan need to be meticulous in preparing and submitting several key documents. These documents play a crucial role in determining eligibility and the extent of the exemption. The required documents include:

1. Beneficiaries Registration Form: This form is a critical component of the application process. It officially registers the applicant for consideration under the tax exemption program.
2. Certificate of Relationship with the Dependent: Applicants must provide proof of their relationship with any dependents mentioned in the registration form. This is essential to validate claims for exemptions based on financial responsibilities for dependents.
3. Proof of Financial Support: An invoice or bank statement confirming the monthly financial contribution towards the dependent’s upkeep is required. This document serves as evidence of ongoing financial obligations, which can significantly impact the exemption status.
4. Choosing a Reliable Money Transfer Bank: For foreign workers supporting dependents back in their home countries, selecting a reputable bank for international money transfers is crucial. This choice ensures that financial support is sent reliably and efficiently, which is essential for maintaining eligibility for tax exemptions.

While the process might seem complex, it’s a strategic move for foreign workers aiming to optimize their financial situation in Japan. It’s not just about reducing the immediate financial strain but also about understanding and adapting to the local tax environment.

For those unfamiliar with the Japanese tax system or who find the documentation process overwhelming, seeking professional advice is recommended. Tax consultants or financial advisors can provide personalized guidance, ensuring that all requirements are met accurately and efficiently.

In summary, the residence tax exemption in Japan for 2023 is a significant opportunity for foreign employees to alleviate some of their tax burdens. By understanding the requirements, diligently preparing the necessary documentation, and possibly seeking expert advice, foreign workers in Japan can navigate this process successfully and benefit financially.

Contact HSB JAPAN to get the Residence Tax Exemption

Navigating the Complexities of Pension Lump-sum in Japan: A Guide for Foreign Workers

Understanding the Intricacies of Pension Lump-sum

Foreign workers in Japan often consider the Pension Lump-sum payment as a part of their retirement planning. However, navigating the complexities of this system can be challenging. There are several critical issues and common mistakes that need to be addressed to ensure a perfect process.

Foreign workers in Japan

1. The Misconception About Minimum Requirements

Many believe that paying the Pension Lump-sum system for a minimum of six months and possessing a certificate proving a return to their home country for at least two months suffices. However, this is a misconception. The crucial aspect often overlooked is the need to update your residence status in Japan before leaving the country. This step is vital for the successful processing of your Pension Lump-sum. If there’s any uncertainty, it’s advisable to get in touch with your former employer in Japan for confirmation and assistance.

2. Residence Status and Pension Payments

Another common error occurs when individuals return to their home countries but fail to update their residence status in Japan. It’s essential to formally cut off your residence address in Japan. Continuing to pay into the pension system without updating your residence status can lead to complications. This oversight could potentially disqualify you from applying for the Pension Lump-sum. Therefore, it is crucial to complete all necessary administrative procedures before leaving Japan.

3. Long-Term Contributions and Pension Benefits

For those who have contributed to the pension insurance for more than ten years, there’s a significant policy shift to be aware of. Upon reaching the age of 65, the Japanese pension authority automatically converts your status to a regular pension beneficiary. This means you will no longer be eligible for the Lump-sum payment, but rather will receive ongoing pension benefits. It’s important to plan accordingly, especially if you are nearing this ten-year threshold.

Seeking Professional Assistance

Navigating the pension system in Japan, especially for foreigners, can be a daunting task. If you are facing difficulties or have uncertainties regarding the application process for Pension Lump-sum, seeking professional guidance is advisable. Organizations like HSB JAPAN specialize in providing detailed advice and assistance to ensure that you receive the benefits you are entitled to without unnecessary complications.

Thu nhập thấp hơn năm trước – Xin giảm miễn thuế cư trú được hay không?

“Thu nhập thấp hơn năm trước người lao động làm việc tại Nhật có thể xin giảm miễn thuế cư trú được hay không?” là một trong các câu hỏi được nhiều bạn ngoại quốc quan tâm khi tham gia vào thị trường lao động Nhật Bản. Thuế cư trú là khoản thuế không còn quá xa lạ đối với tất cả các chủ thể làm việc tại Nhật Bản (du học sinh, kỹ sư hay kể cả các chị em nội trợ làm những công việc bán thời gian. Vậy giảm miễn thuế cư trú là gì, điều kiện để được hưởng quyền lợi này hay thủ tục bao gồm các bước nào, nội dung bài viết dưới đây sẽ gửi đến người đọc các thông tin quan trọng xoay quanh vấn đề này. 

Giảm thuế cư trú là gì? 

Giảm thuế cư trú được thiết lập để hỗ trợ những người có thu nhập thấp gỡ bỏ phần nào gánh nặng từ thuế. Mỗi địa phương sẽ có những quy định về thủ tục, phần trăm miễn giảm thuế hoàn toàn khác nhau. Chẳng hạn như, có những nơi được giảm 100% nhưng có những vùng chỉ được giảm từ 30-50% trên tổng số thuế cư trú.

Vậy giảm thuế cư trú được áp dụng cho các đối tượng nào? 

• Thứ nhất, người lao động nhưng đang trong thời gian hưởng bảo hiểm thất nghiệp. 
• Thứ hai, người lao động hiện có thu nhập thấp hơn năm trước.
• Thứ ba, người bị khuyết tật, chưa thuộc độ tuổi lao động. 
• Thứ tư, người chịu ảnh hưởng do thiên tai gây nên.    
• Cuối cùng, người lao động gửi tiền về phụng dưỡng cho người thân. (Phải có minh chứng tiền gửi) 

Không phải 100% người lao động làm việc tại Nhật đều có thể nhận biết được mình thuộc đối tượng được giảm thuế cư trú vì vậy, các thông tin mà HSB JAPAN chúng tôi đề cập dưới đây phần nào đó sẽ giúp bạn nắm bắt và hiểu rõ hơn về giảm miễn thuế cũng như các thủ tục liên quan. Từ đó, người lao động sẽ có định hướng rõ ràng trong việc hoàn thiện thủ tục xin hoàn/giảm miễn thuế.  

Thủ tục xin giảm miễn thuế cư trú 

Mặc dù mỗi địa phương có những quy định khác nhau về thủ tục, quy trình xử lý hồ sơ nhưng người lao động khi muốn xin giảm thuế cư trú bắt buộc phải nắm được những loại giấy tờ cơ bản sau: 

• Giấy xác nhận tình trạng lao động hoặc minh chứng bạn đang trong thời gian hưởng bảo hiểm thất nghiệp. 
• Giấy xác nhận thu nhập (xác nhận tình trạng thu chi của bạn) 
• Giấy xác nhận số dư (minh chứng số tiền hiện có của bạn)  

khi làm thủ tục xin giảm miễn thuế cư trú, bạn có thể liên hệ đến bộ phận phụ trách thuế thị dân nơi bạn sống và làm việc để rà soát lại một số thông tin cần thiết như: Tại nơi bạn sống, chính quyền địa phương có chính sách giảm thuế thị dân không? Nếu có thì điều kiện được hưởng là gì? Lúc nào bạn có thể tiến hành đăng ký xin giảm miễn thuế? 

Mặc dù, đã có rất nhiều chế độ/chính sách được ban hành tại quốc gia này nhằm hỗ trợ người có hoàn cảnh khó khăn bất kể là người bản địa hay người nước ngoài nhưng rất ít người lao động khi làm việc tại Nhật Bản nắm rõ các quyền lợi của mình. Nhận thức được vấn đề đó, HSB JAPAN được thành lập với sứ mệnh cung cấp các dịch vụ tư vấn tốt nhất cho người lao động làm việc tại Nhật Bản, hỗ trợ khách hàng nhận được khoản miễn giảm thuế tối ưu. 

THE INCOME OF THIS YEAR IS LOWER THAN BEFORE – CAN EMPLOYEES APPLY FOR A RESIDENCE TAX DISPENSATION?

Can laborers apply for a residence tax deduction when this year’s earnings are less than the previous year’s?” is one of the questions that are more interesting to foreigners working in Japan. The resident tax is a popular tax for most residents having a job here (such as overseas students, engineers or housewives doing part-time jobs and so on). So what is the resident tax dispensation, the conditions to receive these benefits or which steps do the procedure include. This article will access some important information concerning this topic.     

What is the resident tax exemption? 

“The resident tax exemption” policy is set up to assist low-income earners to remove the tax burden by the Japanese Government. Each locality will have different regulations regarding procedures and the proportion of tax exemption. For example, the authority in some places adopted this policy with a 100% deduction, however, others only agree to reduce it to 30-50% of the total resident tax.  

So who is the resident tax exemption applied?

• First of all, employees in the period of receiving unemployment insurance.
• Secondly, employees have lower income than last year. 
• Thirdly, disabled people or citizens are out of working age. 
• Fourthly, people impacted by natural disasters.
• Finally, workers send money to caregivers. 

Not all laborers working in Japan can recognize that they are eligible for resident tax exemption so this information that HSB JAPAN will mention below partly helps everyone better understand tax deduction and concerned procedures. Since then, workers will have a clear orientation in completing the procedures for applying for tax exemption.  

The procedures for applying for the resident tax exemption 

Although each locality has distant regulations about the procedure, method of application, it is compulsory that employees need to know the following essential documents to submit an application for resident tax exemption: 

• Labor status certificate or proof that you are receiving unemployment insurance.
• Income certificate 
• Balance confirmation

Of course, before submitting an application for a residence tax exemption, you can get in touch with the local resident tax office to review certain essential details like: 

• Does the local government have the policy to reduce the resident tax? 
• What criteria must you meet to qualify? 
• When can you begin to engage in the resident tax exemption? 

Although the Japanese government adopted many policies to support disadvantaged people regardless of whether they are natives or foreigners, a few people working here understand their own rights. In response to this issue, HSB JAPAN was founded with the goal of offering the best advisory services for foreign workers in Japan who have a demand to receive tax refund/dispensation, supporting clients in obtaining the highest amount.

For more information

For more information

Telephone Consultation: 03-5937-2465

From Overseas: +81-3-5937-2465

（Weekday：9:30～18:30）

（Available also on Saturday：9:30~13:30）

Email: click here

HOW TO CALCULATE YOUR PENSION LUMPSUM?

The amount to be paid is calculated and increases on a 6-month basis up to a maximum of 12 periods or 60 months (5years). Any payment made after the 60th month is to be excluded. Therefore, the amount to be received will be the same whether one is enrolled in the system for 5 years or 9 years.

※ This new rule will be applied from April 2021.

HOW TO CALCULATE YOUR PENSION LUMPSUM?

① National Pension (KOKUMIN NENKIN)

Starting April 2021, for members whose final payment of insurance premium is due after April 3rd of year 2021, the amount of lump-sum withdrawal payment will be calculated according to the year in which the last month of payment of insurance premium belongs and the periods for which insurance premiums have been paid.

※For those whose final payment of insurance premium is due before March 2021, the amount of lump-sum withdrawal payment is calculated up to a maximum of 36 months (3 years) as in past calculations.

[Calculation Formula for Lump Sum Withdrawal Payment]

The amount of insurance premiums for the year to which the last month of payment of insurance premiums belongs x 1/2 x the number used to calculate the amount of lump-sum withdrawal payment. (See table)

② Employees’ Pension (KOUSEI NENKIN)

Starting April 2021, members whose final payment (the month before the month to which the day of disqualification belongs) is April or after, the amount of lump-sum withdrawal payment is calculated up to a maximum of 12 periods or 60 months.

※ But for those whose final payment of insurance premium is due before March 2021, the amount of lump-sum withdrawal payment will be calculated up to a maximum of 36 months (3 years) as in past calculations.

If you want to calculate how much is your Pension Lumpsum CLICK HERE.

WHAT ARE DOCUMENTS NEEDED

You are eligible for lump-sum withdrawal payment if you satisfy all the following seven requirements.

You are not a Japanese citizen.

You are not a resident in Japan.

You have coverage periods of six months or more under the EPI system.

You are not eligible for Old-age Employees’ Pension period (see note below)

You have never been entitled to receive a pension (including disability allowance).

It has been within two years of losing your membership of the National Pension if you have never possessed residency in Japan after the loss of your membership of the National Pension and the Employees’ pension.

It has been within two years of losing your residency in Japan if you have possessed residency in Japan after the loss of your membership of the National Pension and the EPI system.

FOR MORE DETAILS CLICK HERE.

Lump-sum Withdrawal Payments ( Japanese Pension Refund)

Non-Japanese persons who worked and paid pension contributions in Japan（Kosei Nenkin / Kokumin Nenkin / Kyosai Nenkin）can claim refunds of their contributions within 2 years since leaving Japan. This payback system is called “Lump-sum Withdrawal Payments”. Details are shown on the guidance pages of Japan Pension Service  

Persons who fulfill the following conditions can claim their pension refunds: 1.They are not a Japanese citizen, 2.They have paid Japanese pension contributions from 6 months to 10 years 3.You left Japan less than two years ago 4. They don’t reside in Japan now （※）Minimum period for a qualification to claim old age pension (basically after 65 years old) is currently 10 year’s enrollment. Most of foreigners who worked in Japan in a short period with working visas are to get qualified to claim their pension refunds after leaving Japan. When the social insurance office (Japanese Pension Service) reimburses your pension payments, it deducts 20% income tax on the refunded amount. However, we will help you reclaim the 20% tax charged on the Lump-sum withdrawal.

We carry out TOTAL PROCESS of claiming pension refunds legally.

We examine all your documents before claiming and help you succeed in your refund surely.

ANNOUNCEMENT OF OUR NEW LOGO & BRAND IDENTITY

Dear: Customers and Partners!

HSB JAPAN would like to send our sincere thanks to our customers and partners for trusting in choosing HSB JAPAN’s services and accompanying the company during the past time.

Aiming at image renewal, strong strategic orientation in the future, from January 28, 2022, HSB JAPAN officially selected the new Logo as the representative of the brand image, marking the innovation and efforts. confirm the reputation of the brand.

Old logo

New logo

The new logo will automatically take effect on all contracts, documents, images, news and on Facebook pages, Websites managed and under the HSB JAPAN brand. All operational functions and other related information of the company remain unchanged.

For clarifications and more information on the branding and its guidelines, kindly contact us:
HSB JAPAN Co., LTD

Website: https://hsbjapan.com

Email: tax_pension@hsbjapan.com

☎️ Tel / fax: 03-5937-246

Unlock your AU locked-phone to International version

Have you ever wondered how to unlock your carrier-locked phone to make it works worldwide? In Japan, Big3 Mobile Service Providers require a contracts with customers for 2 years of contract to use their service and smartphone. The devices by these companies are knows as carrier-lock smartphones.

However, there are simple steps to unlock your phone. Not only it is capable of using worldwide, but also it is easier to switch to other carriers/services in Japan. In this example, we show you how to unlock iPhone (which is locked by AU).

First, you need to record your phone IMEI number (write it down carefully).

Your IMEI number:

Unlocking the iPhone:

Access the link below:

https://id.auone.jp/id/pc/assigned/index.html

You can use Google Chrome Web browser to display the content in English (if you don’t understand Japanese)

Using your IMEI number for unlocking

Access the link below

https://www.au.com/support/service/mobile/procedure/simcard/unlock

So the unlock procedure has been completed, you should receive the email from AU to notify about the unlock status

Time for trying the sim card from the other service provider, right?

Tax Return and Pension Lump-sum for foreign workers or residents in Japan

HSB JAPAN is an expert in processing Tax Return and Pension Lump-sum for foreign workers or residents in Japan.
The following is a simple estimation you can get for your refund.

If you have been able to work in Japan for three years you can claim
JPY400,000- JPY800,000
*This may change depending on your monthly salary.

&
If you have been able to work for three years and send money to your family you can get your Income-tax and Residence Tax refunded:
JPY160,000 – for (1) a Beneficiary.
JPY500,000- for three (3) Beneficiary.
*This may change depending on your monthly salary.

HSB JAPAN, ay eksperto sa pag proseso ng Tax Retrurn at Pension Lump sum para sa mga dayuhang manggagawa o residente sa Japan.
Ang mga sumusunod ay simpleng estimation na maari nyong makuha para sa inyong refund.

Kung ikaw ay nakapag trabaho sa loob ng tatlong taon maari kang makapag claim ng
JPY400,000- JPY800,000
Ito ay maaaring may pagbabago depende sa iyong buwanang sahod.

&
Kung ikaw ay nakapag trabaho sa loob ng tatlong taon maari kang makapag refund ng iyong Income tax at Residence Tax ng
JPY160,000 – para sa (1) isang Beneficiary.
JPY500,000- para sa tatlong (3) BenefIciary.
Ito ay maaaring may pagbabago depende sa iyong buwanang sahod.

CHARTER FLIGHT JAPAN – VIETNAM

Because of COVID-19 pandemic’s dire situation and in order to support Vietnamese people to return to Vietnam safety, from April 2021 HSB JAPAN Co.Ltd provided ticket reservation service for charter flights (from Vietnam Airline, Bamboo Airline, and Vietjet Airline).

Please contact us for flight schedule and update the latest charter flights available in 2021 (from Vietnam Airline, Bamboo Airline, and Vietjet Airline).

• Staying at quarantine hotels (3 – 5 stars quality)
• Covid-19 test: 3 times during the quarantine period
• 3 meals/day
• Bus transportation from Airport to quarantine hotels

FULL DEPOSIT FOR TICKET IS NOT COMPULSORY – IN CASE OF FLIGHT GETS CANCELLED BY AIRLINE, CUSTOMER WILL RECEIVE A FULL REFUND.

MOREOVER

Customer can register for SPECIAL COMBO service AIR TICKET + PENSION REFUND -> 100% FREE SERVICE FEE FOR applying for lump-sum withdrawal payments.

Customers who apply for lump-sum withdrawal payments by HSB JAPAN before return to Vietnam also get a discount, only 10% service fee.

(Discount campaign applicable from June 1, 2021)

For more details, please contact us:

., .

160-0023東京都新宿区西新宿7-6-8アイアイビル３

☎️Tel: 03-5937-2465   Fax: 03-5937-2468

Hotline: 080-4864-3688 (Zalo- Viber)  Ms Huyền Trang

HSB JAPAN BECOMES A PARTNER OF MIRAI INSURANCE COMPANY AND IS AN EXCLUSIVE DISTRIBUTOR OF MIRAI INSURANCE SERVICES FOR FOREIGNERS IN JAPAN

Since 15th August 2020, HSB JAPAN is honoured to be a strategic partner and exclusive distributor of MIRAI Insurance Corporation, providing insurance products for Vietnamese people living and working in Japan. 

MIRAI insurance applies to all short-term and long-term visas in Japan with period of stay more than 6 months: Tourist Visa, Working Visa, Engineer Visa, Dependent Visa, Refugee Visa… .

For more information, please contact the Mirai Insurance Consulting Department

MIRAI INSURANCE

With the desire to help Vietnamese workers, foreign workers, tourists, and short-term business have the assurance of health and accidents during their time working in Japan. HSB JAPAN is honoured to be a strategic partner and exclusive distributor of MIRAI SECURITY INSURANCE service for Vietnamese and foreigners in Japan.

MIRAI insurance is a special and special insurance service for foreigners with short- and long-term residency in Japan.

PROVIDE REMITTANCE RECEIPTS FOR TAX REFUND

Dear customers, every October, companies require employees and employees to prepare the necessary documents to make tax refunds. The remittance bill is one of them, which is extremely important for the tax department to decide the amount of tax you will have to pay this year and the amount you will be refunded for overpayment in previous years.

To receive Money Transfer receipts and assistance with the tax refund process. Please contact City HSB Department and provide the following information

Full name:

Date of birth:

Email address:

Address:

https://www.facebook.com/chuyentientunhatvevietnamCityHsb/

Lump-sum Withdrawal payments coverage extended from 3 years to 5 years

According to Japanese Nation Pension, from 01/04/2021 the maximum lump-sum withdrawal payments for short-term foreigners will be extended from 3 years to 5 years.

This change applies to short-term employees such as: Trainee Visa, Designated Visa, Engineer visa…

For more information please message:

https://www.facebook.com/taxrefundinjapan/

New Year 2021 holidays notice

Dear our value customers and partners,

We would like to inform you of the closing plan for New Year holidays 2021:

Our main office in Tokyo will be closed for 4 days, from December 31, 2020 to January 03, 2021; and will be re-opened for business on January 4, 2021.

Customer support and online consulting service will operate normally (except day off on January 1, 2021).

During the holidays, if you have any questions or issues, please contact us by email: info@hsbjapan.com we will try to respond as soon as possible.

We wish all of you a happy, healthy prosperous New Year!

Customer appreciation weeks “2000 JPY Discount”

We value our customers and partners for choosing our services for more than 11 years.

We are happy to announce “2000 JPY Discount” program as a gift for customers who register for TAX REFUND and TAX DEDUCTION service of HSB Japan, from January 1, 2021 to March 31, 2021.

In addition, we also have many offers and promotions for other services: Pension service (Nenkin), Internet service, and International Remittance service…

• https://www.facebook.com/taxrefundinjapan
• https://www.facebook.com/nipponwifisim
• https://www.facebook.com/wifisimhsbjapan

For more details, please contact us

Tel : 03- 5937-2465

Email: info@hsbjapan.com

For more information

For more information

Telephone Consultation: 03-5937-2465

From Overseas: +81-3-5937-2465

（Weekday：9:30～18:30）

（Available also on Saturday：9:30~13:30）

Email: click here

HSB JAPAN TAX SERVICES

Tax refund service (including representative application of refund of pension lump-sum)
What kind of refund can we do?

Tax refund service (including representative application of refund of pension lump-sum)

What kind of refund can we do?

1. Refund of the income tax and residential tax return in 5 years (foreigners or Japanese whose spouse is a foreigner)

2. 20,46 % tax refund for lump-sum withdrawal payments ( Nenkin).

3. Income tax return for foreigners who quit from work or left Japan.

We not only help you minimize the amount of tax payable to the Japanese government, but also help to refund the amount of tax arrears in previous years with comprehensive support, bringing convenience, assurance and transparent to our customers.

Reasons for Choosing Us

– We have cooperated with experienced tax advisory MASAO ISHIWATARI. Since 2013 we have assisted thousands of customers to claim their tax return.

– Trust and Achievements

– Support in multiple languages

INCOME TAX – RESIDENCE TAX

Income Tax

All individuals living and working in Japan are obligated to pay income tax (所得税: し ょ と く ぜ い). The amount of tax payable will depend on the annual income.

Income less than 130,000 yen / year will not be charged income tax.

Students, trainees and employees at a contracting company will have the tax deducted directly from their salaries. If you work for a company without a contract, you will have to self-declare tax and must file it by March 15 of the following fiscal year. If you pay taxes by bank transfer, the deadline is April.

 

Residence Tax

Residence tax is the amount of money that people living in the city must pay to the local tax office to contribute to the maintenance of the local social-welfare services. Residence tax is a tax that every individual with income in a year over the limit (103,000 yen / year) must pay, regardless of whether you are a student, international students, or foreigners.

Residence tax is calculated based on the income of the previous year. Therefore, your first year in Japan you don’t have to pay for this tax. However, the following year, Tax authorities will rely on your income in the previous year to calculate the amount of tax you have to pay.

TAX REFUND

 

It’s your money! Let’s go get it.

We help you maximize your Japanese Tax Refund: Income tax & Resident tax
You could be entitled to get tax back from Japan for a number of reasons including:

 

 

• • You are a foreigner working in Japan for more than a year
• • You are married to Japanese
• • You send remittance to dependents family in home country

*The more dependent you have the more refund you’ll get

Dependents	Income Tax Refundable/year	Residential Tax Refundable/year	Total amount of Tax Refund/year
1 dependent	~￥19,300	~￥35,500	~￥54,800
2 dependents	~￥38,600	~￥71,000	~￥71,000
3 dependents	~￥57,900	~￥106,500	~￥164,400

*This is a approximate estimation

Preparing a tax return can be confusing and complicated if you’re not familiar with the process. We have specialists in Japanese tax laws so we can do all the tax return preparation for you and simply send the money to you when it comes back.

The Japanese tax year is from January 1st to December 31st

• We can claim your tax refund (Income Tax and Residential Tax) from Japan for up to five years

• The size of the refund you get back will depend on how much you earned in Japan, how long you worked for and how long you were there for overall

• You will also have contributed part of your salary into a pension fund – we can also reclaim a portion of these contributions for you.

(The average Japanese Tax Refund is ¥111000)

ANNOUNCEMENT OF OUR NEW LOGO & BRAND IDENTITY

Tax Refund

for Businesses & Individuals
Any foreigner who is currently living and working as an international student, intern and engineer,
must pay 2 main taxes: Income Tax (Shotokuzei 所得) and Citizenship/Residence Tax (Juminzei) 住民税).

However, these 2 taxes in Japan to be paid can be reduced or even refunded within 5 years.
HSB JAPAN, together with experienced lawyers and tax advisors in the field of tax management, represents thousands of foreign individual clients as well as small and medium-sized enterprises to solve their tax problems. Tax related issues in Japan with comprehensive support. Our principle is to bring convenient, reliable and transparent services to our customers.

HSB JAPAN Tax Services

• Refund of the income tax and residential tax return in 5 years (foreigners or Japanese whose spouse is a foreigner)
• 20.42% tax refund for lump-sum withdrawal payments (Nenkin)./li>
• Income tax return for foreigners who quit from work or left Japan.
• Corporate tax finalization

Income Tax

All individuals living and working in Japan are obligated to pay income tax (所得税: し ょ と く ぜ い). The amount of tax payable will depend on the annual income. Income less than 130,000 yen / year will not be charged income tax. Students, trainees and employees at a contracting company will have the tax deducted directly from their salaries. If you work for a company without a contract, you will have to self-declare tax and must file it by March 15 of the following fiscal year. If you pay taxes by bank transfer, the deadline is April.

Residence Tax

Residence tax is the amount of money that people living in the city must pay to the local tax office to contribute to the maintenance of the local social-welfare services. Residence tax is a tax that every individual with income in a year over the limit (103,000 yen / year) must pay, regardless of whether you are a student, international students, or foreigners. Residence tax is calculated based on the income of the previous year. Therefore, your first year in Japan you don’t have to pay for this tax. However, the following year, Tax authorities will rely on your income in the previous year to calculate the amount of tax you have to pay.

5 REQUIREMENT FOR TAX REFUND

1.

RESIDENT CARD

PHOTOCOPY OF RESIDENT CARD FRONT AND BACK

2.

RESIDENT CARD

PHOTOCOPY OF RESIDENT CARD FRONT AND BACK

3.

RESIDENT CARD

PHOTOCOPY OF RESIDENT CARD FRONT AND BACK

4.

RESIDENT CARD

PHOTOCOPY OF RESIDENT CARD FRONT AND BACK

5.

RESIDENT CARD

PHOTOCOPY OF RESIDENT CARD FRONT AND BACK

BASIC INFORMATION