All The Things You Need to Do Before Leaving Japan

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What is YUKYU (有休) in Japan?

YUKYU in Japan: Your Rights to Paid Leave Explained

Moving to Japan is exciting! New culture, new food, maybe a new job. As you settle into your work life here, you might hear colleagues talk about “YUKYU” (有休). What exactly is it, and why is it important for you as a foreign worker in Japan?

Understanding your labor rights, including paid leave, is crucial for a healthy work-life balance. YUKYU isn’t just a nice perk; it’s a legal right. This guide will break down everything you need to know about YUKYU in Japan, from how you get it to how to use it and what happens if you don’t. Let’s make sure you’re fully informed!

What Exactly Is YUKYU?

YUKYU (正式名称: 年次有給休暇 – Nenji Yukyu Kyuka) translates to “Annual Paid Leave” or “Paid Time Off.” It’s a system guaranteed by Japan’s Labor Standards Act, allowing eligible employees to take a certain number of days off work while still receiving their regular salary.

• Legal Foundation: The right to YUKYU is enshrined in Article 39 of the Labor Standards Act. This means it’s not something your company can choose to offer; they must grant it if you meet the eligibility criteria.
• Purpose of YUKYU: The main goal is to allow workers to rest, recover from fatigue, maintain physical and mental health, and refresh themselves. It enables you to take vacations, deal with personal matters, or just take a break without losing income.

Think of it as your legal entitlement to recharge your batteries.

Who is Eligible for YUKYU?

Eligibility for Japan paid leave rules is quite broad and includes full-time, part-time, and even dispatched workers, provided they meet two main conditions:

1. Continuous Employment: You must have been employed continuously by the same company for at least six months from your start date.
2. Attendance Rate: You must have attended work for at least 80% of the total working days during that first six-month period.

After the initial six months, the 80% attendance rule applies to the 12-month period following your previous YUKYU grant date. This is a key part of YUKYU eligibility criteria Japan.

How Many YUKYU Days Do You Get?

The number of YUKYU days you are granted depends on how long you’ve been working for the company and your working hours. For standard full-time employees working five or more days a week (or 30+ hours/week), the entitlement increases with tenure:

Standard Entitlement Table:

• After 6 months: 10 days
• After 1.5 years: 11 days
• After 2.5 years: 12 days
• After 3.5 years: 14 days
• After 4.5 years: 16 days
• After 5.5 years: 18 days
• After 6.5 years or more: 20 days

The maximum standard entitlement is 20 days per year. These days are granted automatically once you meet the tenure and attendance requirements.

Using Your YUKYU: How to Request and Take Leave

Once you’re eligible and have YUKYU days available, you have the right to use them.

• Company Procedures: Most companies have a specific procedure for requesting YUKYU. This usually involves filling out a form (paper or digital) and submitting it to your manager or the HR department. It’s good practice to check your company’s rules on this.
• Notification Period: While there’s no strict legal notice period (unless defined in your company’s rules), it’s customary and considerate to request YUKYU with reasonable advance notice, especially for longer periods. This allows your team and company to plan for your absence.
• Can My Request Be Denied? This is a common question. Legally, you have the right to take your YUKYU. However, the law grants the employer the right to change the timing of your requested leave if taking it at that specific time would significantly disrupt the company’s operations (事業の正常な運営を妨げる場合 – jigyou no seijou na unei wo samatageru baai). This is known as the employer’s right of “scheduling power” (時季変更権 – jiki henkou ken). They cannot outright deny your request; they can only ask you to take it at a different time.

Generally, unless your absence causes significant, unavoidable problems for the business, your request should be approved for the date you choose.

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Important YUKYU Rules and Rights

There are a few other critical rules and rights you should be aware of regarding YUKYU in Japan:

• YUKYU Expiration: Unused YUKYU days can be carried over to the following year, but they expire after two years from the date they were granted. For example, YUKYU granted on April 1, 2023, will expire on March 31, 2025. Make sure you track your days so you don’t lose them! This is the YUKYU expiration policy Japan.
• The Right vs. Scheduling Power: As mentioned, your right to take the leave is strong. The employer’s scheduling power is limited and shouldn’t be used unreasonably or to effectively prevent you from taking any YUKYU.
• Mandatory YUKYU Acquisition (5-Day Rule): Since April 2019, companies are legally required to ensure that employees who are granted 10 or more days of YUKYU per year take at least 5 of those days within the year. The company must specify the dates for these 5 days, usually after consulting with the employee. This is known as mandatory YUKYU acquisition Japan and was introduced to encourage a better work-life balance nationwide. This is great news for employees who might feel hesitant to take leave!

YUKYU for Part-Time and Non-Regular Workers

Good news! Part-time worker YUKYU Japan is also a legal right. If you work less than the standard full-time hours (fewer than 5 days/week or under 30 hours/week), you are still eligible for YUKYU, but the number of days is granted proportionally based on the number of days you work per week or the average number of hours you work.

• Calculation Method: The proportional grant is based on the number of scheduled working days per week (or per year).
• Example Calculation (working 3 days/week):
  • After 6 months: 5 days (instead of 10)
  • After 1.5 years: 6 days (instead of 11)
  • … and so on, following a specific proportional table defined by law.

Even if you work non-standard hours, check your contract and ask your company how your YUKYU is calculated.

Why Using Your YUKYU Matters

Taking your YUKYU isn’t just about getting paid time off; it’s vital for several reasons:

• Benefits for You: It allows you to rest, travel, pursue hobbies, spend time with family and friends, or handle personal errands without financial worry. Using your foreign worker rights Japan paid leave helps prevent burnout and improves your overall well-being. Imagine exploring a new part of Japan or visiting your home country using your paid leave!
• Benefits for Your Company: Employees who take sufficient rest are often more productive, engaged, and less likely to get sick. Encouraging YUKYU use contributes to a healthier, more sustainable work environment. Plus, meeting the mandatory 5-day rule is a legal requirement for them.

Don’t hesitate to use the YUKYU days you’ve earned. They are a fundamental part of your compensation and rights as an employee in Japan.

Key Points (Quick Summary)

Here’s a quick recap of the essentials about YUKYU:

• YUKYU is legally mandated annual paid leave in Japan.
• Eligibility requires continuous employment (6+ months) and an 80%+ attendance rate.
• Full-time entitlement starts at 10 days after 6 months and increases up to 20 days.
• Part-time workers receive YUKYU proportionally based on their working days/hours.
• You request YUKYU, and your company can only change the timing if it disrupts operations, not deny it outright.
• Unused YUKYU days expire after two years.
• Companies must ensure eligible employees take at least 5 YUKYU days per year (Mandatory Acquisition Rule).
• Using YUKYU is crucial for your health and productivity.

FAQs about YUKYU in Japan

Still have questions? Here are some frequently asked ones:

1. How exactly is my YUKYU entitlement calculated?

   For full-time workers, it’s based purely on your length of continuous service with the company after the initial 6 months and maintaining an 80% attendance rate. For part-time workers, it’s proportional based on your regular working days or hours per week/year, following a specific legal table.

2. Can my company make me take YUKYU on specific days?

   Yes, within limits. Under the Mandatory Acquisition Rule (for those with 10+ days entitlement), your employer must ensure you take 5 days of YUKYU per year. They can designate the dates for these 5 days after consulting with you. For the other days you take voluntarily, they only have the right to change the timing if it significantly disrupts operations.

3. What happens if I don’t use all my YUKYU days?

   Unused YUKYU days can be carried over to the next year. However, they expire after two years from the date they were granted. So, if you have 10 days granted in Year 1, you can carry them to Year 2, but if unused by the end of Year 2, they are lost.

4. Is YUKYU paid leave, or is my salary deducted?

   YUKYU is paid leave. When you take a YUKYU day, you receive your regular salary for that day as if you had worked. Your income is not reduced for taking YUKYU.

5. Where can I get help if my company isn’t granting YUKYU correctly?

   If you believe your company is violating the Labor Standards Act regarding YUKYU (e.g., refusing to grant it despite eligibility, not fulfilling the 5-day rule, making improper deductions), you can consult your local Labor Standards Inspection Office (労働基準監督署 – Rōdō Kijun Kantoku Sho). They are the governmental body responsible for enforcing labor laws.

Need More Clarification on Your YUKYU or Other Work Rights?

Navigating labor laws in a new country can be complex, especially with language barriers. If you have specific questions about your YUKYU entitlement, how it applies to your work situation, or any other concerns about your rights as a foreign worker in Japan, don’t hesitate to seek professional guidance. HSB JAPAN is here to help foreign residents with various aspects of life in Japan.

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Japan Resident Tax: What Happens If You Don’t Pay?

Japan Resident Tax: Don’t Pay? Consequences & Resident Tax Exemption

Navigating taxes in a foreign country can feel daunting, especially as an expat worker in Japan. Among the various obligations, the local Resident Tax (住民税 – Juminzei) often brings questions. It’s different from national income tax and is based on your income from the previous year. But what exactly happens if you find yourself unable to pay, or simply forget? Are there ways to get a resident tax exemption? Let’s break down the potential consequences and explore avenues for relief to help you stay compliant and stress-free in Japan.

What is Japan Resident Tax (Juminzei)?

Think of Juminzei as your contribution to the local services in the municipality where you live. This includes things like schools, infrastructure, welfare services, and more. Unlike national income tax, which is calculated and paid on your income from *this* year, resident tax is calculated based on your total income from the *previous* calendar year (January 1st to December 31st). Everyone legally residing in Japan as of January 1st of a given year is generally subject to resident tax for that year, based on their previous year’s earnings, regardless of their nationality or visa status.

How is Resident Tax Calculated?

Resident tax consists of two main parts: an income-based portion (所得割 – shotokuwari) and a per-capita portion (均等割 – kintowari). The income-based portion is typically 6% levied by the prefectural government and 4% by the municipal government (a total of 10% on your taxable income after deductions). The per-capita portion is a fixed amount, usually around ¥5,000 – ¥6,000 per year, varying slightly by municipality. Your municipality sends you a tax notice (納税通知書 – nozei tsūchisho) in June detailing the amount owed and payment deadlines.

The Consequences of Not Paying Your Resident Tax

Ignoring tax obligations in any country comes with risks, and Japan is no exception. The consequences for not paying resident tax Japan are designed to escalate, encouraging prompt payment. It’s crucial not to simply ignore the notices you receive.

Initial Notices and Warnings

If you miss a payment deadline (often quarterly or in a lump sum), you’ll first receive reminder notices (督促状 – tokusokujō) from your municipal tax office. These aren’t just gentle nudges; they are formal warnings that indicate you are in arrears and outline the original amount due plus potential late fees.

Late Payment Penalties (Delinquent Tax)

Along with reminder notices, you will start incurring a late payment penalty (延滞金 – entaikin), sometimes referred to as delinquent tax. The exact percentage varies by municipality and the duration of the delay. Initially, the rate is lower (e.g., around 2.4% per year for the first month or so), but it increases significantly for longer periods of non-payment (e.g., up to 8.7% per year). These penalties are calculated daily, so the longer you wait, the more you owe on top of the original tax amount.

Interest Charges (Late Payment Interest)

Separate from or combined with the late payment penalty depending on the specific rules, interest charges apply. This further increases the total amount you owe. The rates are determined based on official interest rates and fluctuate slightly year to year. Again, the longer the debt remains unpaid, the more interest accrues.

Property Seizure and Bank Account Freezing

This is where things become very serious. If you continue to ignore notices and fail to pay, the municipal tax office has the legal authority to initiate compulsory collection procedures. This can include:

• Salary Seizure: A portion of your monthly salary can be directly garnished from your employer and sent to the tax office.
• Bank Account Freezing: Your Japanese bank account(s) can be frozen, and funds up to the amount owed can be seized. This can severely disrupt your ability to live and work in Japan. Consequences could include a bank account frozen Japan tax situation becoming a major hurdle in daily life.
• Seizure of Other Assets: While less common for smaller resident tax debts, authorities can seize other assets like vehicles or property.

This process doesn’t happen overnight, but once initiated, it can be swift and impactful. They don’t need a court order; the tax office’s delinquency notice holds the legal power to seize assets.

Impact on Your Visa/Residency

While not paying resident tax doesn’t *automatically* revoke your visa, it can have serious implications, especially for longer-term residency or visa renewals. Immigration authorities consider whether you have fulfilled your tax obligations as part of their assessment. Having outstanding tax debts can be a significant negative factor when applying for visa extensions, changes of status, or permanent residency. A history of visa status and Japan tax non-compliance signals a potential lack of adherence to Japanese laws and regulations.

Can You Get a Resident Tax Exemption?

Yes, under specific circumstances, you might be eligible for a resident tax exemption. It’s important to understand that this isn’t automatic; you usually need to meet certain criteria based on your income from the *previous* year or your status.

Eligibility Criteria

The most common criteria for a resident tax exemption are related to low income. If your total income (specifically, your total income amount, 合計所得金額 – gokei shotoku kingaku) in the previous year was below a certain threshold, you might be exempt from either or both the income-based and per-capita portions.

• Low Income Exemption: This threshold varies significantly depending on your municipality, the number of dependents you have, and whether you have other sources of income. Generally, if your income was below the minimum required for basic living expenses, you might qualify. Look up “low income resident tax exemption Japan” for your specific city/ward.
• Specific Situations: Exemptions can also apply in specific hardship cases, for individuals receiving certain welfare benefits, or possibly for certain students (though rules vary).

Remember, eligibility is based on *last year’s* income, not your current income situation. If you arrived in Japan mid-year and had little or no income *in Japan* the previous year, you might automatically be exempt from the income-based portion for your first full tax year, but potentially still owe the per-capita portion.

Process for Applying

If you believe you qualify for a resident tax exemption based on low income or another reason, you typically don’t “apply” in the same way you might apply for a benefit. Your eligibility is usually determined when your municipality calculates your tax based on your previous year’s tax filing (or lack thereof, which still informs them of your income). However, if you receive a tax notice and believe it’s incorrect or you should be exempt due to a specific situation not captured by standard filing, you should contact your municipal tax office immediately to inquire. Sometimes, filing a municipal resident tax declaration (住民税申告 – juminzei shinkoku) is necessary, even if you didn’t file a national tax return, to claim dependents or declare income/lack thereof for exemption purposes.

Resident Tax When Leaving Japan

A common situation for expats is dealing with leaving Japan and resident tax. Since resident tax is based on the previous year’s income but paid starting in June of the current year, you will owe resident tax for the year you leave, based on your income from the year *before* you left. For example, if you leave in July 2024, you will still owe resident tax for the tax year 2024 (covering Jan 1 – Dec 31, 2024), which is calculated on your income from 2023.

• If you leave *before* January 1st of a year, you are generally *not* liable for resident tax for that year (as you weren’t a resident on Jan 1st), but you still owe any unpaid tax from previous years.
• If you leave *after* January 1st, you *are* liable for the full year’s tax. You must designate a tax agent (納税管理人 – nōzei kanrinin), who is a resident in Japan responsible for receiving your tax notices and paying on your behalf after you’ve left. Failure to do so can lead to significant complications and potentially impact future entry into Japan.

What to Do If You’re Struggling to Pay

If you receive a resident tax bill and know you cannot pay it on time, the *worst* thing you can do is ignore it. Proactive communication is key.

• Contact Your Municipal Tax Office: Reach out to them *before* the deadline or as soon as you realize you’ll miss it. Explain your situation. They may be willing to discuss payment plans (分割払い – bunkatsu barai) or temporary deferrals depending on your circumstances. Don’t be afraid to ask for help; they are often more understanding if you communicate. Find your Tax office contact Japan information for your specific ward or city.
• Explore Exemption Eligibility: Review the criteria for a resident tax exemption eligibility with the tax office. While low income is the primary factor, they can confirm if any other conditions apply to you based on your registered information.
• Seek Professional Advice: If your tax situation is complex, especially concerning income from multiple sources, dependents, or leaving Japan, consider consulting a tax advisor or accountant who specializes in foreign residents.

Remember, even if you can’t pay the full amount, paying a portion or arranging a plan is far better than paying nothing and facing escalating penalties and potential asset seizure.

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Quick Takeaways

• Japan Resident Tax (Juminzei) is a local tax based on your previous year’s income, paid starting in June.
• Not paying leads to escalating consequences: reminder notices, late payment penalties, interest charges, and potentially asset seizure (like bank accounts or salary).
• Non-payment can negatively impact your visa status or future visa applications/renewals.
• A resident tax exemption is possible, primarily based on low income from the previous year.
• Eligibility for exemption is usually determined during tax calculation based on your filing.
• If you’re leaving Japan after Jan 1st, you likely owe the full year’s resident tax and need a tax agent.
• If you cannot pay, *immediately* contact your municipal tax office to discuss options like payment plans.
• Ignoring tax notices is the worst possible action. Seek professional help if needed.

Frequently Asked Questions (FAQs)

Conclusion

Understanding your Japan Resident Tax obligations is essential for a smooth life as an expat. While the idea of non-payment might cross your mind if finances are tight, the potential consequences – from escalating penalties to impacting your visa and assets – are significant. However, remember that options like a resident tax exemption or payment plans exist if you meet the criteria or communicate proactively with your municipal tax office. Don’t let tax worries linger. Take informed action, explore your options, and seek professional guidance if your situation is complex.

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A Basic Guide to Resident Tax in Japan (Juminzei)

How to calculate your Resident Tax in Japan?

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How to get pension exemption in Japan?

Nenkin Exemption Japan: Get Your Pension Payment Waived

Welcome, expats living and working in Japan! Navigating the administrative side of life here, especially finances, can sometimes feel overwhelming. One aspect that often raises questions is the mandatory National Pension system, known as Kokumin Nenkin (国民年金). While contributing is essential for your future and eligibility for various benefits, sometimes financial circumstances make paying the monthly fee a challenge. The good news? Japan has a system in place called Nenkin exemption (or pension waiver) that can provide much-needed relief. This guide is specifically for you, the expat community, to understand how to navigate this process.

In this post, we’ll break down everything you need to know about getting a nenkin exemption in Japan. We’ll cover who is eligible, the different types of waivers available, the step-by-step application process, required documents, and the potential impact on your future. Our goal is to make this complex topic easy to understand and empower you to take the right steps if you’re facing financial difficulty. Let’s dive in!

Understanding the Japan National Pension System

First, a quick recap. The Japan National Pension (Kokumin Nenkin) is a mandatory social insurance system. Generally, all residents aged 20 to 60 must contribute, regardless of nationality. These contributions are the basis for receiving a basic pension (kiso nenkin) in retirement. It also provides coverage in case of disability or death, offering disability pensions or survivor pensions to eligible individuals or their families.

For company employees, your pension contributions are usually handled automatically through your employer as part of the Employees’ Pension Insurance (Kosei Nenkin), which includes the basic Kokumin Nenkin. However, if you are self-employed, a student, unemployed, or in certain other situations, you are likely enrolled directly in the Kokumin Nenkin system and receive monthly bills you need to pay yourself.

What is Nenkin Exemption (Pension Waiver)?

Nenkin exemption is a formal system that allows individuals facing financial hardship to have their mandatory National Pension contributions reduced or waived entirely for a specific period. It is *not* the same as simply not paying your bills. Applying for and receiving an exemption ensures that your period of non-payment is officially recognized, offering several key benefits compared to simply defaulting on payments (which we’ll discuss later).

The system recognizes that life can bring unexpected challenges – job loss, illness, low income, or being a student with limited funds. The goal of the waiver system is to maintain your connection to the pension system and allow you to continue accumulating contribution periods, even when you can’t afford the full payment.

Who is Eligible for Nenkin Exemption?

Eligibility for Japan pension waiver for foreigners and Japanese citizens alike is primarily based on income and specific life circumstances. The criteria are set by the Japan Pension Service (Nihon Nenkin Kikou). Here are the main categories that often qualify:

Low Income or Unemployment

This is the most common reason for eligibility. If your previous year’s *annual income* falls below a certain threshold, you may be eligible for a full or partial exemption. The exact threshold depends on the number of dependents in your household. This applies if you are self-employed, unemployed, or working part-time with income below the minimum threshold for mandatory employee insurance.

If you’ve recently lost your job and are receiving unemployment benefits, you may also be eligible, often under slightly different conditions that consider your current lack of income.

Students

Japan has a special system called the “Special Payment System for Students” (Gakusei Tokurei Seido). If you are enrolled in an eligible educational institution and are under 60, you can apply to have your pension payments deferred. This isn’t a full waiver initially, but defers payment until a later date, allowing you to focus on your studies. While deferred, the period is still counted towards your eligibility for disability or survivor pensions, but you would need to pay the deferred amounts later to have them counted towards your retirement pension amount.

Youth (Under 30)

For individuals under 30 who are not students but are facing financial difficulty, there’s a “Special Payment System for Youth” (Wakamono Nofu Yuyo Seido). Similar to the student system, this allows you to defer payments, offering temporary relief while maintaining certain pension rights.

Disaster or Hardship

In cases of natural disaster, significant illness, injury, or other unavoidable circumstances causing severe financial hardship, you may also be eligible for an exemption.

Key Insight for Expats: The eligibility criteria apply equally to foreign residents who are mandatory contributors to the National Pension. Your nationality does not prevent you from applying for or receiving a nenkin exemption if you meet the income or status requirements.

Types of Nenkin Exemption Available

The exemption isn’t always an all-or-nothing situation. Depending on your income level and household situation, you may qualify for different levels of waiver:

• Full Exemption (全額免除 – Zen’gaku Menjo): Your payment is reduced to ¥0 for the approved period. The full period is counted towards the required contribution period for receiving a basic pension and qualifies you for disability/survivor pensions. However, the amount of future basic pension you receive will be reduced by half for the period exempted.
• Partial Exemption (一部免除 – Ichibu Menjo): You pay a reduced amount (e.g., 1/4, 1/2, or 3/4 of the standard fee). The contribution period is counted, and your future basic pension amount is adjusted based on the portion you paid and the portion exempted.
• Payment Deferral (納付猶予 – Nofu Yuyo): This applies mainly to the Student and Youth systems. You don’t pay the contribution during the approved period. The period *is* counted for disability/survivor pension eligibility. However, it is *not* counted towards your retirement pension amount *unless* you choose to pay the deferred amounts later (within 10 years).

Choosing the right type, or understanding which one you qualify for, is crucial. Even partial payment is better for your future pension amount than a full exemption, assuming you can afford it.

The Application Process: Step-by-Step

Wondering how to apply for nenkin exemption? The process generally involves your local municipal office (ward office or city hall) and the Japan Pension Service.

1. Identify Your Office: Go to the National Pension section of your local ward office (kuyakusho) or city hall (shiyakusho).
2. Obtain the Application Form: Ask for the “Application for National Pension Contribution Exemption/Payment Postponement” (国民年金保険料免除・納付猶予申請書 – Kokumin Nenkin Hokenryo Menjo/Nofu Yuyo Shinseisho). These forms are primarily in Japanese. It’s highly recommended to bring a Japanese-speaking friend, colleague, or translator if your Japanese is not strong.
3. Fill Out the Form: Provide details about yourself, your household (spouse’s income is also considered if applicable), and your income situation. Be accurate and honest.
4. Gather Required Documents: (See next section for details). Have everything ready.
5. Submit the Application: Hand in the completed form and documents at the office. They may ask you clarifying questions.
6. Wait for Notification: Your application will be reviewed by the Japan Pension Service. This can take anywhere from a few weeks to a couple of months. You will receive an official notification by mail stating whether your application was approved, the period of exemption/deferral, and the type (full, partial, or deferral).

You can usually apply for exemption for the current fiscal year (April to March) and often retroactively for periods within the last 2 years. If your situation changes significantly during the year (e.g., you lose your job), you can apply mid-year.

What Documents Do You Need?

While requirements can vary slightly depending on your specific situation and local office, here are the common documents for pension exemption Japan:

• Your National Pension Handbook (年金手帳 – Nenkin Techo) or any document showing your basic pension number.
• Proof of identity (Residence Card, passport, etc.).
• Your Residence Certificate (住民票 – Jyuminhyo) – though sometimes the office can access this internally.
• Documents proving your income/financial situation:
  • If low income/unemployed: Tax documents from the previous year (e.g., Tax Payment Certificate – 納税証明書 – Nozei Shomeisho, or Tax Exemption Certificate – 課税証明書/非課税証明書 – Kazei Shomeisho/Hikazei Shomeisho). If recently unemployed, proof of job separation and eligibility for unemployment benefits.
  • If student: Your Student ID (学生証 – Gakuseisho) or enrollment certificate.
  • If other hardship: Documents supporting your situation (e.g., medical certificate, disaster victim certificate).
• (If applicable) Documents related to your spouse’s income.

It’s always wise to check your local ward office’s website or call them in advance to confirm the exact documents required for your situation. Bringing originals and copies is usually a good practice.

Benefits and Drawbacks of Getting an Exemption

Getting a nenkin exemption is a formal process with pros and cons compared to simply not paying.

Benefits:

• Financial Relief: The most immediate benefit is freeing up funds when you are facing hardship.
• Maintains Contribution Period: Crucially, exempted periods are counted towards the minimum 10 years needed to be eligible for a basic pension upon retirement. Simply not paying does NOT count these periods.
• Eligibility for Disability/Survivor Pensions: If you become disabled or pass away during the exempted period, you (or your family) may still be eligible for the respective pension payments, provided you meet certain contribution criteria before the exemption. If you just didn’t pay, you lose this coverage.
• Avoids Penalties: Applying for and receiving an exemption means you avoid late fees, reminder notices, and potential forced collection actions that can occur if you simply ignore the bills.

Drawbacks:

• Lower Future Pension Amount: While exempted periods count towards eligibility, they typically result in a lower monthly *basic pension* payment in retirement compared to paying the full contribution. Full exemption reduces the future pension amount for that period by half (for the basic pension portion). Payment deferral periods don’t count towards the retirement amount unless paid later.
• Need to Reapply: Exemptions are usually granted for one fiscal year (April-March) or less. You generally need to reapply annually or when your situation requires it.

Unique Perspective: For expats, maintaining your contribution period through exemption can be vital. Even if you don’t plan to retire in Japan, the system allows for a “Lump-sum Withdrawal Payment” if you leave Japan permanently after contributing for at least 6 months (though the maximum payout period is 5 years). Having approved exemption periods counts towards the *total period* required for eligibility for this lump sum, even if those specific exempted months don’t increase the payout amount itself. It’s significantly better than having gaps due to non-payment.

After the Exemption: What You Need to Know

Once your application is approved, you will receive an official notification. Keep this document safe!

• Exemption Period: Note the start and end dates of your approved exemption or deferral period.
• Reapplication: If your financial situation doesn’t improve by the end of the period, remember to reapply before the next fiscal year (usually starting April 1st) or when prompted.
• Change in Circumstances: If your income significantly increases during the exempted period, you are technically supposed to notify the Pension Service, though many people wait until the next application cycle.
• Catch-Up Payments (追納 – Tsuino): You have the option to pay the exempted or deferred amounts within 10 years of the exemption/deferral date. Paying these amounts retroactively increases your future basic pension amount to what it would have been had you paid originally. There might be a small interest added after a certain period (usually the third year).

Receiving an exemption is a temporary measure. Planning for how you will handle your pension contributions once your situation improves, potentially by utilizing the catch-up payment system, is a wise financial strategy for maximizing your future benefits.

Quick Takeaways

Frequently Asked Questions (FAQs)

Conclusion

Dealing with mandatory payments like the National Pension when your finances are tight is stressful. However, ignoring your pension bills is rarely the best solution in Japan. The nenkin exemption system exists precisely to help individuals like you navigate these challenges without losing crucial pension coverage and eligibility.

By understanding the eligibility criteria, knowing the application process, and being aware of the benefits (like maintaining your contribution period and eligibility for disability/survivor pensions) and drawbacks (like a potentially lower future pension amount), you can make an informed decision. Taking the proactive step to apply for a pension waiver is a responsible way to manage your financial situation in Japan while staying connected to the vital social security system.

Don’t let financial difficulties lead to larger problems down the road. If you are struggling to pay your National Pension contributions, explore the possibility of getting a nenkin exemption.

References

Found this guide helpful? We’d love to hear from you! Share your experience navigating the Nenkin exemption process in the comments below. What was your biggest challenge?

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All about Japan’s Family Registry : Koseki Shohon and Koseki Tohon

Japan’s Family Registry: Koseki Guide for Expats

Navigating life as an expat in Japan is exciting, full of new experiences and cultural discoveries. But alongside the fun comes the occasional dive into Japanese bureaucracy. One fundamental system you might encounter, especially if you plan major life events here, is Japan’s Family Registry, known as the Koseki (戸籍). It’s a core record-keeping system that differs significantly from those in many other countries. Understanding the Koseki, and specifically documents like the Koseki Shohon and Koseki Tohon, is essential for various procedures, from registering a marriage or child to dealing with inheritance or even certain visa matters.

If you’re an expat worker in Japan, you might wonder why this matters to you. While non-Japanese residents don’t *have* their own Koseki, it becomes highly relevant if you marry a Japanese national, have children in Japan, or need to prove relationships for legal purposes here. This guide is designed to demystify the Koseki system for you. We’ll break down what it is, explain the difference between Koseki Shohon and Koseki Tohon, tell you what information they contain, cover why they might be important for your life in Japan, and guide you on how to obtain them.

Understanding Japan’s Family Registry (Koseki)

At its heart, the Koseki is Japan’s official system for registering and documenting the identity and family relationships of its citizens. Think of it less like a birth certificate or marriage license in isolation, and more like a comprehensive family record kept by the government. Every Japanese citizen is part of a Koseki entry, typically centered around a married couple and their unmarried children.

What Exactly Is a Koseki?

The Koseki is a registered record maintained by the local government (usually the ward, city, town, or village office – shakusho 役所 or kuyakusho 区役所) of the head of the family’s permanent domicile (honseki-chi 本籍地). This permanent domicile can technically be anywhere in Japan, regardless of where the family actually lives. The Koseki records vital information such as births, deaths, marriages, divorces, adoptions, and parent-child relationships for all individuals listed within that specific family unit.

A Brief History & Its Significance

The modern Koseki system has roots stretching back centuries, evolving significantly over time. Its current form was largely established after World War II, moving away from a system that heavily emphasized the patriarchal “household” (ie 家) to one focused more on nuclear families and individuals. Despite this shift, the Koseki remains a cornerstone of Japanese society and its legal system. It serves as the primary legal proof of a person’s citizenship, identity, and familial ties within Japan. This is why understanding its function is vital when dealing with any official procedures that require verifying your identity or relationships here.

While this system is unique to Japan, grasping its fundamental role helps unlock many administrative processes you might encounter as an expat. It’s the official narrative of a Japanese family’s key life events, legally recognized across the country.

Koseki Tohon vs. Koseki Shohon: Knowing the Difference

When you need a copy of a Koseki record, you’ll almost always be asked for either a Koseki Tohon or a Koseki Shohon. These are simply different types of certified copies of the original Koseki register. While often confused, the distinction is quite important depending on what you need the document for.

Koseki Tohon (全部事項証明) – The Full Picture

A Koseki Tohon, literally translated as “full matters certificate” or “all recorded matters certificate,” is a complete certified copy of an entire Koseki register. This document will list *everyone* who is currently or has ever been registered under that specific Koseki heading. It includes the current members of the family unit, as well as notes about individuals who have left the Koseki (e.g., due to marriage and starting a new Koseki, death, or transfer to another Koseki). It provides a comprehensive history of that particular family unit’s registration details.

Koseki Shohon (個人事項証明) – Your Specific Entry

A Koseki Shohon, or “personal matters certificate,” is a certified copy of *only* the entry for a specific individual or selected individuals within a Koseki. It contains the same type of detailed information (birth, marriage, etc.) but is limited to the person(s) requested, rather than showing the entire family unit’s history. Think of the Tohon as a group photo and the Shohon as a portrait of just one person from that group, pulled from the same original picture.

When to Use Which Document

Generally, a Koseki Tohon is required when you need to prove the relationship between multiple people listed on the same Koseki, or when a full history of the family unit is necessary. This is often the case for inheritance procedures or when registering a child, as it shows the parents’ details and the child’s addition. A Koseki Shohon is typically sufficient when you only need to prove the identity and status (birth, marriage, etc.) of a single individual. For example, you might use a Koseki Shohon for a visa application or to register for a pension, where only *your* details from the Koseki are relevant. Always check the specific requirements of the institution requesting the document!

What Information Does Your Koseki Contain?

The Koseki is a detailed record, packed with specific information about the individuals listed. Understanding what’s inside can help you interpret the documents when you obtain them.

Key Details Recorded

For each person registered in the Koseki, the entry will typically include:

• Name: The legal name in Kanji and Kana.
• Date of Birth: Recorded using the Japanese calendar system (e.g., Showa, Heisei, Reiwa).
• Relationship to the Head of the Koseki: Clearly stating if the person is the head, spouse, child, etc.
• Date and Cause of Entry: When and why they were added to this Koseki (e.g., by birth, marriage, transfer).
• Details of Parents: Names of the legal parents.
• Details of Spouse: Name of the spouse and date of marriage.
• Details of Children: Names and birth dates of unmarried children.
• Permanent Domicile (Honseki-chi): The address registered as the Koseki’s location.
• Record of Changes: Notes on significant life events like marriage, divorce, adoption, death, or leaving the Koseki.

How Family Structure is Represented

The Koseki groups individuals into family units, primarily focusing on married couples and their children. When a couple marries, they typically establish a new Koseki or one spouse joins the other’s existing Koseki. Unmarried children are registered in their parents’ Koseki. When a child marries, they usually leave their parents’ Koseki and start a new one with their spouse. This system means that a Koseki Tohon shows the active members of a family unit and annotations about those who have departed, painting a picture of the family’s legal structure over time according to the registry [1].

For expats navigating this, especially if you marry a Japanese national, you’ll see how *your* information (as the non-Japanese spouse) will be recorded in the “Remarks” or “Notes” section of your Japanese spouse’s Koseki, even though you won’t have your own entry within the main body of the Koseki record itself. This is a key point of difference often relevant to expats.

Why Koseki Documents Matter for Expats in Japan

You might be thinking, “If I don’t have a Koseki, why do I need to understand this?” Good question! The Koseki becomes highly relevant for expats primarily through their connections with Japanese nationals or when interacting with systems deeply tied to the Koseki structure.

Use Cases: From Visas to Life Events

While a Certificate of Residence (Juminhyo) is your main document as a foreign resident, Koseki documents are crucial if you are involved in a family unit with Japanese citizens. Here are some common scenarios where you or your Japanese spouse/partner might need Koseki Shohon or Koseki Tohon:

• Marriage Registration: If you marry a Japanese national, their Koseki must be updated to reflect the marriage. A Koseki Tohon showing the new status will be required for various follow-up procedures, sometimes even for your visa renewal if the marriage impacts your status.
• Childbirth Registration: When a child is born in Japan to a Japanese parent, the birth is registered in the Japanese parent’s Koseki. A Koseki Tohon or Shohon showing the child’s addition is needed for applying for the child’s passport, various subsidies, and sometimes for the non-Japanese parent’s visa process.
• Inheritance Procedures: If your Japanese spouse or their family member passes away, Koseki Tohon documents are essential for proving relationships between heirs during inheritance proceedings [2]. Multiple generations’ Koseki records (called Joseki Tohon or Kaisei-Gen Koseki if records have been transferred or updated significantly) might be required to trace lineage.
• Name Changes: If a Japanese spouse changes their surname due to marriage or divorce, the updated Koseki Shohon or Tohon serves as legal proof.
• Applying for Certain Pensions or Benefits: Some social security procedures might require proof of family relationships via the Koseki.
• Proof of Relationship for Visa Purposes: Although less common now than in the past, some immigration procedures might request Koseki documents to prove your Japanese spouse’s identity and your marital connection.

How Koseki Impacts Your Life Here

Even if you never personally handle a Koseki document, the system underpins many processes your Japanese family members go through. Your information (name, nationality, date of birth, marriage date) will be added to your Japanese spouse’s Koseki, though you won’t have your own full entry like a Japanese citizen. When you need official proof of your marriage or your child’s relationship to their Japanese parent, the Koseki Shohon or Tohon of the Japanese family member is the document that contains this crucial information. Therefore, understanding what these documents are and how to obtain them empowers you to navigate these shared administrative hurdles more effectively.

Need assistance with documents for a major life event in Japan? Get Free Consultation

How to Obtain Your Koseki Shohon or Tohon

Obtaining these documents is a standard administrative process in Japan. Here’s a general guide on how to get a copy of a Koseki Shohon or Tohon.

Who Can Apply?

Generally, you can apply for a Koseki Shohon or Tohon if you are:

• Listed on the Koseki itself (this applies to Japanese nationals).
• The spouse or direct relative (parent, grandparent, child, grandchild) of someone listed on the Koseki. This means a non-Japanese spouse of a Japanese national can apply for their spouse’s Koseki Shohon or Tohon.
• A legal representative acting on behalf of someone who can apply (e.g., lawyer, administrative scrivener – gyosei shoshi 行政書士).
• Someone who needs the document for a legitimate, legally-defined purpose (e.g., a creditor with a court order), although this is less common for typical expat needs.

Where to Apply?

You must apply at the local government office that holds the Koseki registration. This is the ward, city, town, or village office (shakusho or kuyakusho) of the permanent domicile (honseki-chi) of the Koseki holder, *not* necessarily where they currently live. You can apply:

• In Person: Go directly to the counter at the relevant municipal office.
• By Mail: Most municipalities allow applications by mail. You’ll need to download the application form from their website, enclose copies of identification, proof of relationship (if applying for someone else), a self-addressed stamped envelope, and the required fee in the form of a postal money order (teigaku kawase 定額小為替).
• Online/Convenience Store (Limited): Some municipalities participate in systems that allow Japanese citizens to obtain certain certificates, including Koseki Shohon/Tohon, from convenience stores using their My Number Card. Availability varies by municipality and certificate type [3].

Applying by mail is often convenient if the honseki-chi is far from where you live. Remember to check the specific municipality’s website for their exact procedures and required documents.

The Application Process Step-by-Step

What to Bring (In-Person Application):

• Application Form: Available at the counter or downloadable online. You’ll need to know the honseki-chi and the name of the Koseki head.
• Proof of Identity: Residence Card (Zairyu Card), driver’s license, or passport.
• Proof of Relationship: If you are applying for a family member and you are not listed on that specific Koseki (e.g., applying for your spouse’s Koseki from a different Koseki), you might need to show your own Koseki or other documents proving your relationship. However, if you are listed in the Remarks section of your Japanese spouse’s Koseki, showing your ID and knowing their information is usually sufficient.
• Seal (Hanko) or Signature: While digital signatures are becoming more common, a physical seal or signature is usually required on the application form.
• Fee: Cash to pay the required fee.

Fees Involved:

The standard fee for a Koseki Tohon or Koseki Shohon is typically 450 yen per copy. This fee can be paid in cash at the municipal office counter or via postal money order for mail applications. Always confirm the exact fee with the relevant municipal office.

The process is usually straightforward, but language barriers can be a challenge. Bringing a Japanese-speaking friend or using a translation app can be helpful if your Japanese isn’t strong. Knowing the correct honseki-chi is the most critical piece of information you need before starting the process.

Got questions about applying for Koseki documents? Ask an Expert

Navigating Family Registration for Non-Japanese Residents

This is a point of common confusion for expats. Let’s clarify your status within Japan’s registration systems.

Can Non-Japanese Have a Koseki? (Spoiler: No)

No, the Koseki system is exclusively for Japanese citizens. As a foreign resident in Japan, you do not have your own Koseki entry, nor can you be the head of a Koseki. Your legal presence and information in Japan are primarily recorded through your Residence Card (Zairyu Card) and your Certificate of Residence (Juminhyo).

Related Concepts & Necessary Documents

Even without a Koseki, your information is vital for official records, especially if you have a Japanese family. When you marry a Japanese national or have a child with them in Japan, your details (name, nationality, birth date, etc.) will be added to the “Remarks” section of your Japanese spouse’s Koseki record. This is how your connection to their family is officially noted in the Koseki system.

For most administrative purposes as an expat, your key document will be the Certificate of Residence (Juminhyo 住民票). The Juminhyo lists everyone residing at a specific address, including both Japanese nationals and foreign residents. It contains information like names, dates of birth, gender, nationalities, and residency status. While the Koseki proves Japanese citizenship and family lineage, the Juminhyo proves residency at a particular address for both Japanese and non-Japanese residents. You will need your Juminhyo for things like opening bank accounts, signing rental agreements, enrolling children in school, or changing your address.

In summary, while you won’t have a Koseki, you will interact with it indirectly via your Japanese family, and you will rely heavily on your Juminhyo for personal administrative needs as a foreign resident.

Common Challenges and Pro Tips

While obtaining Koseki documents is routine, expats or their Japanese partners might face specific hurdles.

Dealing with Translations

Koseki documents are entirely in Japanese. If you need to submit them for use outside Japan (e.g., for immigration purposes in your home country, or for legal procedures abroad), you will almost certainly need a certified translation. Ensure the translation is done by a reputable service and check if the requesting authority has specific requirements for who can translate it (e.g., a sworn translator, a translation company with specific certifications). Obtaining a reliable translation of Koseki documents can sometimes be complex due to the specific terminology and historical context.

Applications from Abroad

If the Japanese national whose Koseki document is needed is currently overseas, they can typically apply for copies by mail from abroad to the relevant Japanese municipal office [4]. This requires careful preparation of the application form, necessary identification copies, and arranging for international postage and payment methods accepted by the municipality. Alternatively, they might be able to authorize a relative or a legal representative in Japan to apply on their behalf using a Power of Attorney (ininjo 委任状). Getting a Koseki document while living abroad can take significantly longer than applying in person or by mail from within Japan.

Keeping Your Information Updated

Any major life event involving a Japanese national (marriage, divorce, birth, death, adoption) must be reported to the municipal office holding their Koseki to keep the record accurate. While this is the responsibility of the Japanese citizen, as an expat married to one, being aware of this is important. Promptly reporting these events ensures that the Koseki reflects the current reality, which is necessary for obtaining accurate Shohon or Tohon documents later.

Facing challenges with Koseki documents or translations? Speak with a Specialist

Quick Takeaways

• Japan’s Family Registry (Koseki) is the official record for Japanese citizens’ identity and family relationships.
• A Koseki Tohon is a full copy of a Koseki record, showing all members and their history.
• A Koseki Shohon is a copy limited to a specific individual’s entry within the Koseki.
• Expats don’t have a Koseki, but it’s relevant if they marry a Japanese national or have children with one.
• Your information will appear in the “Remarks” section of your Japanese spouse’s Koseki.
• Koseki documents are needed for marriage, childbirth registration, inheritance, and some other official procedures involving Japanese family members.
• You obtain Koseki documents from the municipal office of the honseki-chi (permanent domicile), either in person or by mail.
• The Certificate of Residence (Juminhyo) is the primary residency document for expats in Japan.

Frequently Asked Questions (FAQs)

Q1: Can a foreigner get their own Koseki Shohon or Tohon?

A1: No, the Koseki system is only for Japanese citizens. As a foreigner, you cannot have your own Koseki. Your information, if married to a Japanese national or parent of a Japanese child, is noted in the “Remarks” section of their Koseki.

Q2: What is the main difference between Koseki Shohon and Koseki Tohon?

A2: The Koseki Tohon is a full, certified copy of the entire family’s record within one Koseki register, showing everyone listed and their history. The Koseki Shohon is a certified copy of only a specific individual’s entry from that Koseki.

Q3: Where do I apply to get a copy of a Koseki?

A3: You must apply at the municipal office (ward, city, town, or village hall) of the honseki-chi (permanent domicile) of the Koseki holder, not necessarily where they currently live. Applications can usually be done in person or by mail.

Q4: How much does it cost to get a Koseki Shohon or Tohon?

A4: The standard fee is typically 450 yen per copy for both Koseki Shohon and Koseki Tohon. Fees may vary slightly by municipality, so it’s always best to check with the specific office.

Q5: I’m marrying a Japanese person. Will I be added to their Koseki?

A5: Your marriage will be registered in your Japanese spouse’s Koseki, and your name, nationality, date of birth, and the date of the marriage will be recorded in the “Remarks” section. However, you will not become a formal *member* of the Koseki with your own entry like a Japanese citizen would.

Conclusion

Understanding Japan’s Family Registry, the Koseki system, is an important step for any expat planning to make Japan their long-term home, especially if family ties with Japanese nationals are part of your journey. While you won’t have a Koseki yourself, documents like the Koseki Shohon and Koseki Tohon held by your Japanese spouse or children will be essential for navigating key life events such as marriage registration, childbirth, or dealing with inheritance. These documents serve as the definitive legal record of family relationships and identity for Japanese citizens.

Knowing the difference between a Tohon (the full record) and a Shohon (a partial record), where to apply (the honseki-chi municipal office), and who can apply empowers you to handle necessary administrative procedures more smoothly. While the process is straightforward, potential challenges like translations or applying from overseas require careful attention. Don’t let the unique nature of the Koseki system be a barrier. With the right information, you can confidently obtain the documents you need to successfully manage your personal and family affairs in Japan.

Mastering these bureaucratic steps is part of building a life here. If you find yourself needing specific help or facing a complex situation involving Koseki documents, don’t hesitate to seek professional guidance. Navigating these waters can be much easier with expert support tailored to expat needs.

Ready to tackle Japanese bureaucracy with confidence? Find out how we can help

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Employee Benefits in Japan: What you need to know?

Moving to Japan for work is an exciting adventure! You’re probably thinking about your new job, exploring a different culture, and maybe even tackling the language. But there’s also a practical side to settling in: understanding your employee benefits. For expat workers, navigating the Japanese benefits system can seem a little daunting at first. Don’t worry, we’re here to break it down for you in a friendly, easy-to-understand way.

Understanding Employee Benefits in Japan

In Japan, employee benefits, often referred to as fukuri kōsei (福利厚生), are a crucial part of your compensation package. While they might differ slightly from what you’re used to back home, they provide essential support for your health, finances, and work-life balance. Knowing what to expect helps you make the most of your employment.

Key Employee Benefits in Japan

Let’s look at the main benefits you’ll likely encounter:

1. Social Insurance (Shakai Hoken – 社会保険)

This is perhaps the most significant part of your benefits package. Social insurance is mandatory for most full-time employees and covers two main areas:

• Health Insurance (Kenko Hoken – 健康保険): This covers a significant portion of your medical expenses, typically 70%. You’ll receive a health insurance card (健康保険証 – Kenko Hoken Sho) which you need to show at hospitals and clinics. Contributions are deducted directly from your salary and matched by your employer.
• Pension Insurance (Kōsei Nenkin – 厚生年金): This is the public pension system for private-sector employees. Contributions are also deducted from your salary and matched by your employer. It provides retirement income, as well as disability and survivor benefits. Expats may be eligible for a lump-sum withdrawal payment upon leaving Japan, depending on their situation and years of contribution.

Joining Shakai Hoken is essential. It provides a safety net for health issues and contributes to your future financial security.

2. Labour Insurance (Rōdō Hoken – 労働保険)

This mandatory insurance covers two important areas:

• Unemployment Insurance (Koyō Hoken – 雇用保険): Provides temporary financial support if you lose your job under certain conditions. It also covers some training and re-employment support programs.
• Workers’ Accident Compensation Insurance (Rōsai Hoken – 労災保険): Covers medical expenses, lost wages, and disability benefits if you are injured or become ill due to work or commuting. The employer covers the full cost of this insurance.

Both Labour Insurances are vital safety nets provided by the government system.

3. Paid Leave (Yukyu Kyuka – 有給休暇)

This is your right to paid time off from work. The amount of paid leave you receive is regulated by law and increases with your length of service. Generally, full-time employees are entitled to 10 days after 6 months of continuous employment, working at least 80% of scheduled workdays. This increases annually up to a maximum of 20 days per year after 6.5 years.

Using your paid leave is important for rest, relaxation, and maintaining a healthy work-life balance. Your employer cannot prevent you from taking your entitled leave, although they can sometimes adjust the timing for business reasons.

4. Other Types of Leave

Beyond paid leave, Japanese law also mandates or often includes other types of leave:

• Maternity Leave (Sanzen/Sango Kyuka – 産前産後休暇): Provides leave before and after childbirth.
• Childcare Leave (Ikuji Kyugyo – 育児休業): Allows parents (both mothers and fathers) to take extended leave to care for a child.
• Family Care Leave (Kaigo Kyugyo – 介護休業): Provides leave to care for a sick or injured family member.
• Special Leave: Some companies offer additional leave for marriage, bereavements, or refreshing leave (リフレッシュ休暇 – Refresh Kyuka) after a certain number of years of service.

These different types of leave reflect Japan’s efforts to support employees through various life events.

5. Commuting Allowance (Tsukin Teate – 通勤手当)

Most companies in Japan provide a commuting allowance to cover your transportation costs to and from work. This is usually paid monthly and is often based on the actual cost of your train or bus pass. There might be a maximum limit set by the company.

6. Additional Company-Specific Benefits

Beyond the legally mandated benefits, many companies offer additional perks to attract and retain talent. These can vary widely but might include:

• Housing allowances or company housing
• Bonuses (often paid twice a year)
• Retirement allowances (severance pay)
• Company recreation facilities or subsidies for leisure activities
• Health checkups (often more comprehensive than the basic legal requirement)
• Language training support

These extra benefits depend entirely on your employer and the industry you work in. Be sure to check your employment contract or company handbook for details.

Important Considerations for Expats

As an expat, keep these points in mind:

• Understanding Your Payslip: Your monthly payslip (給与明細 – Kyuyo Meisai) will show deductions for social insurance, labour insurance, income tax, and potentially resident tax. Familiarize yourself with these items.
• Negotiating Benefits: While core benefits are often standard, some additional benefits or allowances might be negotiable, especially in certain industries or for higher-level positions.
• Tax Implications: Some benefits are taxable, while others are not. Your employer’s HR or accounting department can provide clarification.
• Language Barrier: Don’t hesitate to ask your HR department for help understanding your benefits, especially if there’s a language barrier. Many companies have resources or bilingual staff to assist expats.

Making the Most of Your Benefits

Understanding and utilizing your employee benefits is key to a comfortable and secure life in Japan. Don’t be afraid to ask questions and ensure you’re enrolled in all the necessary schemes. Your benefits are there to support you!

Navigating employee benefits in a new country can feel like a maze, but hopefully, this guide has made it a little clearer. Japan offers a solid framework of benefits designed to protect and support workers. Take the time to understand what you’re entitled to, and don’t hesitate to seek clarification from your employer.

Ready to take the next step in understanding your working life in Japan?

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Who Can Benefit From Unemployment Payments in Japan? (2025 GUIDE)

Thinking about navigating the ins and outs of working life in Japan as an expat? One topic that often comes up, though hopefully not needed, is unemployment benefits. It’s a safety net that can provide crucial support if your job situation changes unexpectedly.

Let’s face it, nobody plans to be unemployed. But understanding the system in Japan is essential for any expat worker. The country has a robust unemployment insurance system, known as Koyo Hoken (雇用保険), designed to provide temporary financial assistance to eligible individuals who lose their jobs.

So, Who Exactly is Eligible for Koyo Hoken Benefits?

This is the million-dollar question! While the system is primarily for workers, not everyone automatically qualifies. Here’s a breakdown of the key eligibility criteria you need to be aware of as an expat:

First and foremost, you must be enrolled in the Koyo Hoken system. How do you know if you are? If you’re working for a company in Japan under a proper employment contract, chances are your employer is contributing to this insurance on your behalf. You can check your payslip for deductions labeled 雇用保険 (Koyo Hoken).

Beyond enrollment, there are other important requirements:

• You Must Have Lost Your Job Due to Reasons Other Than Serious Misconduct: If you quit voluntarily without a valid reason, or were fired for serious misconduct (like theft or gross insubordination), you might not be eligible, or the waiting period and benefit duration could be significantly different. Legitimate reasons for job loss typically include company bankruptcy, restructuring, or the end of a fixed-term contract.
• You Must Have Worked for a Sufficient Period: This is a critical point. To be eligible for regular benefits, you generally need to have been enrolled in Koyo Hoken for a certain number of months within a specific period before becoming unemployed. As of early 2025, the standard requirement is often having worked and been enrolled for at least 12 months in the two years prior to your unemployment date. However, there can be exceptions, especially if you were laid off due to circumstances like company bankruptcy.
• You Must Be Willing and Able to Work: Koyo Hoken is for those actively seeking employment. You must demonstrate that you are looking for a new job and are available to start work immediately. This involves registering at the local Public Employment Security Office, known as Hello Work (ハローワーク).
• You Must Be a Legal Resident with a Valid Visa Allowing Work: This is crucial for expats. You need to hold a valid visa that permits you to work in Japan. If your visa status changes or expires, it can affect your eligibility.

Specific Scenarios: Are There Exceptions or Special Cases?

While the general rules apply, there can be nuances:

• Fixed-Term Contracts: If your fixed-term contract ends and is not renewed, you are typically eligible for Koyo Hoken benefits, provided you meet the work history requirements.
• Voluntary Resignation: As mentioned, voluntarily quitting usually means a waiting period before benefits start, and the benefit duration might be shorter. However, there can be exceptions for “justifiable reasons” for quitting, such as harassment, significant changes to working conditions, or the need to care for a family member. These are evaluated on a case-by-case basis by Hello Work.
• Company Bankruptcy/Layoffs: If your company goes bankrupt or you are laid off due to company reasons, you are generally eligible and might have a shorter waiting period.

How Long Can You Receive Benefits and How Much?

The duration and amount of benefits depend on several factors, including:

1. Your Age: Older workers may be eligible for benefits for a longer period.
2. Your Length of Koyo Hoken Enrollment: The longer you’ve been enrolled, the longer you can potentially receive benefits.
3. The Reason for Unemployment: Layoffs or contract non-renewal often lead to longer benefit periods than voluntary resignation without a justifiable reason.
4. Your Previous Wages: The daily benefit amount is calculated based on your average daily wages over the six months prior to becoming unemployed. There is a maximum daily benefit amount.

The typical benefit duration ranges from 90 days to 360 days. The calculation of the daily benefit can be a bit complex, but Hello Work will provide you with the exact details once you apply.

The Process: What to Do if You Become Unemployed

If you find yourself unemployed and believe you might be eligible, here’s a general outline of the steps to take:

1. Obtain Necessary Documents from Your Employer: When you leave your job, your employer should provide you with certain documents, including a Certificate of Separation (離職票 – Rishoku-hyo). This document is crucial for your Koyo Hoken claim. Make sure you get this from your company.
2. Register at Hello Work: Visit your local Hello Work office as soon as possible after becoming unemployed. Bring your Certificate of Separation, your residence card (Zairyu Card), your My Number card (if you have one), and your personal seal (hanko). You will need to formally register as unemployed and seeking work.
3. Attend Orientation and Job Counseling: Hello Work will likely require you to attend orientation sessions and meet with a counselor. These sessions provide information about the system, job searching resources, and help you plan your job search.
4. Actively Seek Employment: You will be required to demonstrate that you are actively looking for a job. This usually involves reporting your job search activities to Hello Work at regular intervals (typically every four weeks). Attending interviews, applying for jobs, and participating in Hello Work seminars count as job search activities.
5. Claim Your Benefits: After a waiting period (which varies depending on the reason for unemployment – often seven days plus an additional period for voluntary resignations), you can start claiming your benefits. This typically involves reporting to Hello Work on designated dates.

Why Understanding Koyo Hoken is Important for Expats

As an expat, navigating administrative procedures in a foreign country can be challenging. Understanding Koyo Hoken is vital because:

• It provides a financial safety net during a potentially stressful time.
• It helps you understand your rights and responsibilities as a worker in Japan.
• Knowing the system allows you to plan better if your employment situation changes.

Don’t wait until you need it to learn about it! Familiarizing yourself with the Koyo Hoken system while you are employed is a smart move.

Final Thoughts (and a quick note on 2025)

The Koyo Hoken system is dynamic and can see minor adjustments year to year. While the core eligibility requirements discussed here are expected to remain largely the same for 2025, it’s always best to get the most up-to-date information directly from official sources like Hello Work. They are the ultimate authority on eligibility and benefit calculations.

Being an expat in Japan is an exciting journey. While thinking about unemployment isn’t the most cheerful topic, being informed is empowering. Koyo Hoken is there to support you if you meet the criteria and are actively seeking your next opportunity.

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Disclaimer: This blog post provides general information based on the Koyo Hoken system as understood for early 2025. Regulations and procedures can change. Always consult official sources like the Public Employment Security Office (Hello Work) or seek professional advice for your specific situation.

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Call to Action:

Ready to learn more about protecting yourself financially as an expat in Japan? Understanding systems like Koyo Hoken is just one piece of the puzzle.

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What laws should you know before going to Japan? (2025 Updated)

Planning your move to Japan as an expat worker is exciting! You’re probably thinking about visas, finding accommodation, and maybe even which train lines to live near. But just like any new country, Japan has its own set of laws and customs you’ll need to understand to ensure a smooth and hassle-free experience. Knowing these can save you from unexpected situations and help you integrate more easily.

Why Knowing Japanese Laws is Crucial for Expats

Moving to a new country isn’t just about packing your bags; it’s about understanding the local rules. For expat workers in Japan, being aware of key laws related to your visa, work, daily life, and even social etiquette can make a significant difference. It helps you avoid potential legal troubles, ensures you meet your obligations, and allows you to navigate daily life with confidence. Think of it as getting your ‘legal compass’ before you set sail!

Key Laws Expat Workers Should Know in Japan (2025 Updated)

While Japan’s legal system is extensive, here are some of the most important areas expats should familiarize themselves with:

1. Immigration and Visa Laws

• Status of Residence (Visa): Your visa defines what you can and cannot do in Japan (e.g., work limitations, length of stay). Ensure you always comply with the conditions of your visa.
• Residence Card (Zairyu Card): This is your primary identification document. You are legally required to carry it with you at all times and present it when requested by immigration officers or police.
• Re-entry Permit: If you plan to leave Japan temporarily and return, you need to obtain a re-entry permit before you leave. This is crucial to maintain your visa status.
• Change of Status/Extension: If your work situation changes or your visa is expiring, you must apply for a change of status or an extension well before your current visa expires.
• Notification of Affiliation: If you quit your job or start a new one, you often need to notify the Immigration Bureau within a specific timeframe (usually 14 days).

2. Labor and Employment Laws

• Labor Standards Act: This act covers fundamental aspects of employment, including working hours, minimum wage, holiday pay, and dismissal procedures.
• Employment Contract: Always have a clear written employment contract outlining your salary, working hours, responsibilities, and contract duration. Understand its terms fully.
• Working Hours: Standard working hours are typically 8 hours a day, 40 hours a week. Overtime regulations exist, and employers must pay extra for overtime, late-night, and holiday work.
• Paid Leave (Annual Paid Holidays – 有給休暇, yukyu kyuka): Employees are entitled to paid leave after six months of continuous employment, with the number of days increasing with seniority.
• Dismissal: Japanese law provides significant protection against unfair dismissal. Employers usually need a valid reason and must follow specific procedures.
• Social Insurance (Shakai Hoken): This mandatory system includes health insurance (Kenko Hoken) and pension insurance (Kosei Nenkin). Contributions are typically shared between the employer and employee.
• Unemployment Insurance (Koyo Hoken): Another mandatory contribution that provides benefits if you become unemployed.

3. Tax Laws

• Income Tax: As a resident worker, you will be subject to Japanese income tax on your worldwide income (though nuances exist based on residency type). Your employer usually withholds income tax (PAYE system).
• Residence Tax (Juminzei): This local tax is based on your income from the previous year. It’s typically paid in installments starting in June.
• Tax Identification Number (My Number System): Japan uses a unique 12-digit number (My Number) for social security, tax, and disaster response purposes. You’ll need this for various procedures.
• Tax Filing (Kakutei Shinkoku): While your employer handles most of your income tax through withholding, you may need to file a final tax return (kakutei shinkoku) if you have other income sources or want to claim certain deductions.

4. Daily Life Laws & Regulations

• Alcohol and Driving: Japan has a zero-tolerance policy for drunk driving. It’s strictly prohibited, and penalties are severe for both the driver and anyone who provides alcohol or a vehicle to the driver.
• Drug Laws: Japan has extremely strict laws regarding illegal drugs. Even possession of small amounts can lead to lengthy prison sentences. Prescription medications may also have restrictions; check before bringing them into the country.
• Waste Disposal: Japan has rigorous trash sorting rules that vary by municipality. Failing to sort and dispose of trash correctly can result in fines. Learn your local area’s rules!
• Bicycle Regulations: Bicycles are treated much like vehicles. You must obey traffic signals, ride on the left side of the road, and use lights at night. Cycling while intoxicated is illegal. Registration of your bicycle is also mandatory.
• Noise Regulations: Be mindful of noise levels, especially in residential areas, particularly late at night.
• Smoking: Smoking is heavily restricted in public places, including many restaurants, bars, and on the street in designated areas. Look for signs.

5. Social Customs and Etiquette (Not Laws, But Important!)

While not legally binding, understanding Japanese social customs is key to a comfortable life and good relationships:

• Respect for Hierarchy and Seniors: Important in the workplace and social settings.
• Gift Giving: Common in various situations (e.g., visiting someone’s home, after a trip).
• Removing Shoes: Always remove your shoes before entering homes, some restaurants, temples, and certain traditional establishments.
• Punctuality: Being on time is highly valued.
• Silence on Public Transport: Generally expected on trains and buses, especially regarding phone calls.
• Tipping: Not customary in Japan.

Staying Informed

Laws can change. It’s essential to stay informed. Reliable sources include:

• The official website of the Immigration Services Agency of Japan (ISA)
• The Ministry of Health, Labour and Welfare (MHLW)
• Local municipal office websites (for trash rules, residence tax, etc.)
• Consulting with legal professionals specializing in immigration or labor law.

Conclusion

Moving to Japan as an expat worker is an incredible opportunity. By taking the time to understand the key laws and regulations, you’re not just avoiding potential pitfalls; you’re showing respect for your new home and setting yourself up for a successful and enjoyable experience. This knowledge empowers you to navigate life in Japan confidently and safely.

Ready to make your move to Japan smoother? Understanding your legal obligations is just one piece of the puzzle. For personalized advice on settling in, visa support, and navigating the expat journey, don’t hesitate to reach out!

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What is the difference between Shakai Hoken and Kokumin Hoken?

Hey there, fellow expat! Figuring out the Japanese healthcare system can feel like navigating a complex maze. Don’t worry, you’re not alone! Understanding the difference between Shakai Hoken (社会保険) and Kokumin Hoken (国民健康保険) is crucial for your peace of mind and your wallet. Let’s break it down in a way that’s easy to understand.

What is Healthcare in Japan? A Quick Overview

Japan has a universal healthcare system, meaning everyone legally residing in the country is required to have health insurance. This ensures that medical care is accessible and affordable. There are two main types of health insurance:

• Shakai Hoken (社会保険): Employees’ Health Insurance
• Kokumin Hoken (国民健康保険): National Health Insurance

Shakai Hoken (社会保険): Employees’ Health Insurance

Shakai Hoken is the health insurance provided by your employer. Think of it as the “employee” package. Here’s what you need to know:

Who is Eligible?

• Full-time employees and those working at least 3/4 of the hours of a full-time employee at companies enrolled in Shakai Hoken.
• Part-time employees may also be eligible, depending on the company’s size and working hours.

Key Features of Shakai Hoken:

1. Employer Contribution: A significant portion of your health insurance premium is covered by your employer, making it generally more affordable than Kokumin Hoken.
2. Dependents Coverage: You can enroll your dependents (spouse and children) under your Shakai Hoken policy.
3. Pension Coverage: Shakai Hoken includes both health insurance and pension (厚生年金, Kōsei Nenkin). This is a huge benefit as it contributes to your future retirement savings.
4. Work-Related Injury Coverage: Provides compensation for work-related injuries and illnesses (Labor Insurance).

How does Shakai Hoken work?

Your premium is automatically deducted from your paycheck each month. Your employer handles the enrollment and payment process, making it relatively hassle-free for you.

Kokumin Hoken (国民健康保険): National Health Insurance

Kokumin Hoken is the national health insurance system. It’s designed for those who aren’t covered by Shakai Hoken. Think of it as the “safety net” or the health insurance for the self-employed, students, and those not working full-time.

Who is Eligible?

• Self-employed individuals
• Students
• Part-time workers not eligible for Shakai Hoken
• Unemployed individuals
• Those who have recently left a job and are not yet covered by another insurance plan.

Key Features of Kokumin Hoken:

1. Individual Responsibility: You are responsible for enrolling in and paying for Kokumin Hoken.
2. Premium Calculation: The premium is calculated based on your previous year’s income, residence, and the number of family members enrolled.
3. No Employer Contribution: You pay the entire premium yourself.
4. No Pension Coverage: Kokumin Hoken only covers health insurance. You’ll need to enroll in the National Pension (国民年金, Kokumin Nenkin) separately.

How does Kokumin Hoken work?

You need to enroll at your local city hall (市役所, Shiyakusho). You’ll receive a payment slip and can pay your premiums at convenience stores, banks, or through direct debit.

Key Differences Summarized: Shakai Hoken vs. Kokumin Hoken

Here’s a table summarizing the key differences:

Which One Should You Choose?

If you’re eligible for Shakai Hoken through your employer, it’s generally the better option due to the employer contribution and pension coverage. If you’re not eligible for Shakai Hoken, then Kokumin Hoken is your required option to comply with Japanese law.

Important Considerations

• Leaving a Job: When you leave a job covered by Shakai Hoken, you’ll need to either enroll in Kokumin Hoken or continue your Shakai Hoken coverage voluntarily for up to two years (任継, Nin’i Keizoku).
• Changing Jobs: If you change jobs and your new employer provides Shakai Hoken, you’ll need to switch your insurance.
• Premium Payment: Always ensure you pay your premiums on time to avoid penalties or gaps in coverage.

Understanding the difference between Shakai Hoken and Kokumin Hoken is a key step in navigating life in Japan. This knowledge empowers you to make informed decisions about your health insurance and financial well-being.

Still confused? We can help! Navigating Japanese insurance can be tricky. Get free consultants to explain which option is best for your circumstances.

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Comparing Japan National Pension and Japan Employees’ Pension in Japan

Understanding Japan’s Pension System: National vs. Employees’

Navigating Japan’s pension system as an expat can feel overwhelming. Are you confused about the difference between the National Pension (国民年金, Kokumin Nenkin) and the Employees’ Pension (厚生年金, Kosei Nenkin)? Don’t worry, you’re not alone! Many expats struggle to understand which pension plan they’re enrolled in and what benefits they’re entitled to. This guide will break down the key differences between these two systems, making it easier for you to understand your pension obligations and plan for your future in Japan.

What is the Japan National Pension (国民年金, Kokumin Nenkin)?

The National Pension is a mandatory, basic pension plan for all residents of Japan between the ages of 20 and 59. Think of it as the foundation of Japan’s pension system.

Who is Required to Enroll?

• Self-employed individuals
• Students
• Unemployed individuals
• Spouses of those enrolled in the National Pension
• Foreign residents aged 20-59 residing in Japan

Contribution Amounts

The National Pension requires a fixed monthly contribution. As of 2024, the contribution amount is ¥16,980 per month. This amount is subject to change annually.

Benefits

The National Pension provides a basic level of pension benefits, including:

• Old-age pension (retirement pension)
• Disability pension
• Survivor’s pension

The amount of your pension benefit depends on the number of years you contributed to the plan. You generally need to contribute for at least 10 years to be eligible for the old-age pension.

What is the Japan Employees’ Pension (厚生年金, Kosei Nenkin)?

The Employees’ Pension is an earnings-related pension plan for employees of companies and organizations. It’s essentially an addition to the National Pension.

Who is Required to Enroll?

• Full-time employees
• Part-time employees who work at least 3/4 of the hours of a full-time employee

Contribution Amounts

The Employees’ Pension contribution is a percentage of your monthly salary and bonuses. Importantly, your employer pays half of the contribution amount, and you pay the other half. The contribution rate also includes the National Pension portion.

Benefits

The Employees’ Pension provides enhanced pension benefits compared to the National Pension. These benefits include:

• Old-age pension (retirement pension): This is higher than the National Pension old-age pension because it is based on your earnings.
• Disability pension
• Survivor’s pension

Similar to the National Pension, you generally need to contribute for at least 10 years to be eligible for the old-age pension. However, the amount you receive will be significantly higher because it’s based on your salary history.

Key Differences: National Pension vs. Employees’ Pension

Contribution Structure

• National Pension: Fixed monthly contribution paid entirely by the individual.
• Employees’ Pension: Contribution is a percentage of salary, shared equally between the employee and employer, and includes the National Pension.

Benefit Levels

• National Pension: Provides a basic, fixed level of pension benefits.
• Employees’ Pension: Provides higher, earnings-related pension benefits, in addition to the National Pension.

Enrollment Requirements

• National Pension: Mandatory for all residents aged 20-59 who are not enrolled in the Employees’ Pension.
• Employees’ Pension: Mandatory for employees of companies and organizations.

What Happens When You Leave Japan?

If you contributed to the National Pension or Employees’ Pension for more than six months but less than ten years, you may be eligible for a lump-sum withdrawal payment (脱退一時金, Dattai Ichijikin) when you leave Japan. The amount you receive depends on the length of your contributions. You must apply for this payment within two years of leaving Japan.

Conclusion

Understanding the Japan National Pension and Employees’ Pension is crucial for planning your financial future in Japan. Remember that the National Pension is a basic, mandatory plan, while the Employees’ Pension offers enhanced benefits for employees. Knowing which system you’re enrolled in and your contribution history will help you estimate your potential pension benefits and plan for your retirement. Need help understanding your pension situation?
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Japan Pension Lumpsum After Leaving Japan: Expat Guide & Benefits

Japan Pension: A Guide for Expats

Navigating Japan’s Pension System: An Expat’s Guide

Navigating Japan’s pension system as an expat can feel like deciphering a complex code. Are you wondering if you’re even required to contribute? Confused about potential benefits you might be missing out on? Concerned about what happens to your contributions when you leave? You’re not alone! This guide breaks down everything you need to know about Japan’s pension system, helping you understand your obligations and potentially unlocking valuable benefits.

Who Needs to Contribute?

The core of Japan’s pension system, known as National Pension (国民年金, Kokumin Nenkin) and Employees’ Pension Insurance (厚生年金保険, Kosei Nenkin Hoken), is designed to provide financial security during retirement. But who’s actually obligated to participate?

National Pension (Kokumin Nenkin)

This is mandatory for all residents in Japan aged 20 to 59, regardless of nationality, who are not enrolled in Employees’ Pension Insurance. This includes self-employed individuals, students, and those unemployed.

Employees’ Pension Insurance (Kosei Nenkin Hoken)

If you’re employed full-time (or part-time with sufficient hours) at a company in Japan, you’ll automatically be enrolled in this scheme. Both you and your employer contribute, and this insurance covers not just retirement, but also disability and survivor benefits.

How Much Will You Contribute?

The contribution amounts vary depending on the type of pension you’re enrolled in.

National Pension (Kokumin Nenkin)

This is a fixed monthly amount, which is subject to change annually. As of 2024, it’s around ¥16,610 per month. You’ll receive payment slips to make your contributions at convenience stores, banks, or through direct debit.

Employees’ Pension Insurance (Kosei Nenkin Hoken)

Your contribution is a percentage of your monthly salary, which is also subject to change. Typically, it’s roughly 18.3% shared equally between you and your employer. Your contribution is automatically deducted from your paycheck.

What Benefits Can You Receive?

Beyond retirement benefits, Japan’s pension system offers several potential forms of support:

• Old-Age Pension (老齢年金, Rorei Nenkin): This is the most common benefit, paid to individuals who have contributed to the pension system for a certain period (usually 10 years) upon reaching retirement age (generally 65).
• Disability Pension (障害年金, Shogai Nenkin): If you become disabled due to illness or injury, you may be eligible for this pension, even before retirement age. Eligibility depends on the severity of the disability and your contribution record.
• Survivor’s Pension (遺族年金, Izoku Nenkin): In the event of your death, your surviving family members (spouse, children) may be eligible for this pension.

Leaving Japan: What Happens to Your Contributions?

This is a crucial point for many expats! If you’ve contributed to the National Pension or Employees’ Pension Insurance for at least six months but less than 10 years and are leaving Japan, you may be eligible for a Lump-Sum Withdrawal Payment (脱退一時金, Dattai Ichijikin).

How to Apply:

You must apply for this payment within two years of leaving Japan. The process involves submitting an application form to the Japan Pension Service along with required documents.

How Much Can You Get?

The amount you receive depends on your contribution period and average standard monthly remuneration if you are enrolled under the Kosei Nenkin Hoken.

Important Note:

Receiving this payment means you forfeit your right to any future pension benefits based on your contributions in Japan.

Navigating the Application Process: Tips for Expats

Applying for pensions or withdrawal payments can seem daunting, but here are some tips:

• Gather Required Documents: Ensure you have your pension book (年金手帳, Nenkin Techo), residence card (在留カード, Zairyu Card), and bank account details ready.
• Seek Assistance: Local ward offices (区役所, Kuyakusho) and social insurance offices (社会保険事務所, Shakai Hoken Jimusho) often have staff who can provide guidance. Don’t hesitate to ask for help!

• Look For A Pension and Tax Service Agent:

  Are you an expat navigating the complexities of Japan’s pension system and tax regulations? When it’s time to claim your pension lump-sum or secure your tax refund, the process can be daunting. That’s where a seasoned expert becomes invaluable. With nearly two decades of dedicated experience, HSB JAPAN stands as a trusted partner for thousands of foreign residents. We specialize in simplifying the intricacies of Japanese pension withdrawals and tax refunds, ensuring you receive your entitled funds efficiently and with complete peace of mind.

Conclusion: Securing Your Future in and from Japan

Understanding Japan’s pension system is essential for every expat residing and working in the country. From contribution obligations to potential benefits and withdrawal options, this guide has provided a roadmap to navigate this complex landscape. By understanding your rights and responsibilities, you can ensure you’re not only meeting your legal obligations but also potentially securing valuable financial benefits for your future.

Get FREE CONSULTANTS today to help navigate the process!

Japan Cabinet Approves Pension Reform Bill: 1.06 Million Yen Income Cap Set for Debate in Parliament

On May 16, 2025, the Japanese Cabinet approved a bill to partially amend the National Pension Act and related laws, aiming to strengthen the pension system in response to social and economic changes. The bill will now move forward for deliberation in the National Diet.

This proposed reform seeks to address the increasingly diverse range of working styles, lifestyles, and family structures in Japan. Its goal is to enhance the pension system’s ability to ensure income security and stability in old age—for both current and future recipients. Below, we’ll break down the key points of the reform, including the scheduled dates for implementation.

Table of contents

I. Overview of the Pension System Reform Bill and Implementation Dates

1. Expansion of Social Insurance Coverage (Removal of the 1.06 Million Yen Income Cap)
2. Revision of the In-Employment Old-Age Pension System
3. Changes to Survivor’s Pension System
4. Increase in the Wage Cap Used to Calculate Premiums and Pension Amounts
5. Revision of the Child Addition Benefit

II-  Other Key Revisions

1. Revisions to the Private Pension System
2. Changes to the Lump-Sum Withdrawal Payment System
3. Allowing Deferral of Old-Age Pension for Survivor’s Pension Recipients
4. Extension of the National Pension Payment Grace Period
5. Expansion of Eligibility for Voluntary Enrollment in the National Pension for Seniors
6. Extension of the Deadline to Claim Pension Division at Divorce

I. Overview of the Pension System Reform Bill and Implementation Dates

According to the official website of the Ministry of Health, Labour and Welfare, the proposed amendments cover a wide range of areas, with the main points outlined as follows:

1. Expansion of social insurance coverage (removal of the 1.06 million yen income cap)
2. Revision of the in-employment old-age pension system
3. Changes to the survivor’s pension system
4. Increase in the wage cap used to calculate premiums and pension amounts
5. Revision of the child addition benefit

It’s important to note that each of these changes has a different scheduled implementation date.

Regarding the purpose of the reform, the Ministry explains:
“The aim is to strengthen the functions of the pension system in light of social and economic changes by creating a system that is neutral to working styles and gender differences, and responsive to the diversification of lifestyles and family structures. At the same time, the reform seeks to ensure financial stability in old age through enhanced income redistribution and the expansion of private pension systems.”

1. Expansion of Social Insurance Coverage (Removal of the 1.06 Million Yen Income Cap)

The government is reviewing the eligibility requirements for enrollment in Employees’ Pension Insurance and Health Insurance for part-time workers at small and medium-sized enterprises and for those working at sole proprietorships.

Until now, the conditions for part-time and short-hour workers to join social insurance included prescribed weekly working hours, monthly wages of 88,000 yen or more, employment at companies with more than 50 employees, and not being a student.

Under the current revision, these requirements will be simplified.

Specifically, the “wage requirement” (monthly earnings of 88,000 yen or more) will be abolished. This change responds to concerns over the so-called “1.06 million yen annual income barrier.” The timing of enforcement will be decided by a government ordinance within three years after the law is promulgated, based on the situation of regional minimum wage increases across the country.

In other words, once the wage requirement is removed, anyone working 20 hours or more per week will be eligible for social insurance coverage. However, since minimum wages continue to rise, trying to earn less than 88,000 yen per month while working 20 hours or more would mean earning an hourly wage of 1,015 yen or less. Considering ongoing minimum wage increases, this effectively means the wage requirement has already been practically abolished.

Next, the company size requirement will be gradually eliminated. Currently, only part-time workers at companies above a certain size are eligible for social insurance. This will be phased out over 10 years, so that ultimately, part-time workers who work 20 hours or more per week will be covered regardless of their employer’s size.

The eligibility expansion schedule is as follows:

• Companies with 36 to 50 employees: from October 2027

• Companies with 21 to 35 employees: from October 2029

• Companies with 11 to 20 employees: from October 2032

• Companies with 10 or fewer employees: from October 2035

Additionally, the scope of sole proprietorships required to enroll in social insurance will be broadened.

Currently, only sole proprietorships employing five or more people in 17 legally designated industries are subject to social insurance. From October 2029, in principle, all sole proprietorships employing five or more people will be subject to coverage, regardless of industry.

However, transitional measures will exclude existing businesses at the time of enforcement in October 2029 for a certain period.

Support measures for newly covered individuals and employers are also being considered, but it should be noted that these may be temporary.

As support for employers, a program is being considered to provide career advancement subsidies (up to 750,000 yen per employee) to those who increase employee income through longer working hours or wage raises. This is planned for implementation within fiscal 2025.

For workers, a special, temporary transitional measure will be introduced to reduce their insurance premium burden to a government-set ratio for three years, aiming to reduce adjustments in working hours to avoid insurance costs.

2. Revision of the In-Employment Old-Age Pension System

With the increasing number of elderly people working while receiving pensions and to address labor shortages, the government will revise the in-employment old-age pension system.

The in-employment old-age pension system reduces pension payments for elderly workers who earn a certain level of wages. Under the current system, if the combined amount of an elderly worker’s monthly wages (including one-twelfth of annual bonuses) and their Employees’ Pension exceeds 500,000 yen, half of the excess amount is deducted (pension payment is reduced).

Under the proposed revision, the income threshold for pension reduction will be raised from the current 500,000 yen to 620,000 yen. This new threshold is designed with the assumption of individuals who continue working while receiving a pension and earn wages comparable to the average salary of people in their 50s.

This revision is scheduled to take effect from April 2026.

3. Revision of the Survivor’s Pension

The survivor’s pension is a pension received by surviving family members when a person insured under the Employees’ Pension Insurance or the National Pension system passes away. There are two types of survivor’s pensions: the Basic Survivor’s Pension (遺族基礎年金) and the Employees’ Survivor’s Pension (遺族厚生年金), which differ in eligibility requirements and who qualifies as a beneficiary.

The main goal of revising the Employees’ Survivor’s Pension is to eliminate gender disparities. Under the current system, there were differences between men and women regarding the eligibility conditions and benefit periods for spouses without children to receive the Employees’ Survivor’s Pension.

Under the revised system, spouses without children who are under 60 years old (wives or husbands between the ages of 20 and 50 without children under 18) will generally be eligible for a fixed-term benefit for five years. Additionally, men under 55 without children, who were previously excluded, will become newly eligible.

The system will also consider fixed-term beneficiaries by, for example, increasing old-age Employees’ Pension benefits through death-related pension division and introducing a new fixed-term benefit supplement. The income requirement will be removed, allowing recipients to receive benefits regardless of their earnings.

If necessary, there will be mechanisms to continue benefits beyond the five-year period. Those who already have the right to receive benefits, elderly people aged 60 or older, and spouses aged 20 to 50 with children under 18 will maintain their current benefit conditions. These changes will be phased in over 20 years starting from April 2028.

Regarding the Basic Survivor’s Pension, it will be revised so that children can receive benefits regardless of the circumstances of the caregiver.

This means that children eligible for the Basic Survivor’s Pension will be able to receive it without being affected by factors such as the remarriage of the surviving parent, the parent’s income exceeding the threshold, the child being adopted by a direct relative or similar, or the child being taken in by a former spouse after the parent’s death.

4. Raising the Wage Cap Used for Calculating Insurance Premiums and Pension Amounts

In the Employees’ Pension Insurance system, insurance premiums and pension amounts are basically calculated based on wages (remuneration). However, there is an upper limit set on the “standard monthly remuneration” used as the basis for these calculations.

Currently, the upper limit for the standard monthly remuneration is 650,000 yen. For those earning wages above this limit, the effective insurance premium rate relative to their actual wages has been lower.

The Ministry of Health, Labour and Welfare explains the purpose of this revision as: “to ensure contributions are made in accordance with wages and to enhance future pension benefits.”

Specifically, the upper limit of the standard monthly remuneration will be raised in stages. It will increase from the current 650,000 yen to 680,000 yen (starting September 2027), then 710,000 yen (September 2028), and finally 750,000 yen (September 2029).

While insurance premiums for individuals and companies falling under the new upper limits will increase, future pension benefits will also rise accordingly.

5. Revision of the Child Addition

The pension system includes a provision to increase the pension amount for pension recipients who are raising children. Under the current system, pension recipients with children already receive this addition, but the upcoming revision will raise the amount of the child addition.

Currently, based on the fiscal year 2024 annual amounts, the addition is 234,800 yen per year for the first and second child, and 78,300 yen per year for the third child and beyond. After the revision, the addition will be a uniform 281,700 yen per year for each child. This increase will apply also to those who are currently receiving pensions.

In addition, people who currently receive only the old-age basic pension, which did not include a child addition, will also become eligible for this addition. These revisions are scheduled to take effect from April 2028.

II. Other Major Revisions

In addition to the main revisions mentioned above, there are several other changes.

1. Revision of the Private Pension System

Regarding the individual-type defined contribution pension plan (iDeCo), under the current system, only National Pension insured persons who are not yet receiving the old-age basic pension or old-age benefits from iDeCo can join. Due to differences in working styles, there are variations in the upper age limits for joining.

To create a simpler and more understandable system, the eligibility requirements will be expanded. Specifically, the revision plans to allow people aged 60 and over but under 70—who wish to continue using iDeCo for building retirement assets and who are not yet receiving the old-age basic pension or iDeCo old-age benefits—to join or continue contributions to iDeCo.

2. Revision of the Lump-sum Withdrawal Payment System

The Lump-sum Withdrawal Payment system is designed with the specific circumstances of foreigners in mind, who often have short stays in Japan and whose insurance premium payments may not easily lead to receiving old-age pension benefits. The payment is made as a lump sum based on the insured period (with a current maximum payment period of 5 years), and receiving this payment cancels the insured period accrued up to that point.

However, considering the trend of longer stays by foreigners, there is discussion about raising the maximum payment period from the current 5 years to 8 years. Additionally, for foreigners who may spend their old age in Japan, if they leave the country with a re-entry permit, they will not be able to claim the Lump-sum Withdrawal Payment during the validity period of that permit.

3. Allowing Deferment of Old-Age Pension for Survivors’ Employees’ Pension Recipients

Until now, people receiving survivors’ employees’ pension (遺族厚生年金) were not allowed to defer the receipt of their own old-age pension. However, considering the increased employment of elderly people and from the perspective of allowing them the option to increase their pension benefits, it is planned to permit survivors’ employees’ pension recipients to apply for deferment of their old-age pension benefits. This revision is scheduled to be implemented in April 2028.

4. Extension of the National Pension Payment Deferral System

Until June 2030, eligibility for the deferral system has been determined based on the income of the individual and their spouse, regardless of the income of the household head they live with. This system allows for the deferred payments to be made later when the individual is actually able to pay the insurance premiums.

This time, the limited-time measure will be extended for an additional five years, allowing use of the system until June 2035.

5. Expansion of Eligibility for Voluntary Enrollment in the National Pension for Older Adults

For those without entitlement to the old-age basic pension, the system allowing voluntary enrollment in the National Pension after age 65 until the required qualification period is met will be expanded. The eligible birthdate range will be extended to include people born up to April 1, 1975, and the system will be extended accordingly.

6. Extension of the Deadline for Requesting Division of Pension Rights at Divorce

The deadline for requesting division of the Employees’ Pension Insurance records at the time of divorce will be extended from 2 years to 5 years. This change is in line with the extension of the statute of limitations for property division claims under civil law.

Therefore, if you do not intend to stay in Japan long-term, REGISTER TO CLAIM YOUR NENKIN (pension refund) IMMEDIATELY to avoid losing your rights due to a valid re-entry permit.

Contact HSB JAPAN — a trusted Nenkin representative in Japan — now for guidance on the procedures.

Email: tax_pension@hsbjapan.com

Tel / fax: 03-5937-2465

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

Tax Refund and Tax Deduction When Attending Furusato nozei

Furusato nozei is not basically a type of tax to pay, instead, it’s a regime in which the residents can distribute their effort in building and developing local regions in Japan through personal monetary donations. In addition, they will also get back the local specialties, like fruits, food, and others, from that locality as a thank-you gift.

However, when engaging in the Furusato nozei, have you ever wondered about the amount of reduced income tax or whether you can get a residence tax refund in Japan?

As a result, in this blog, we will take a further look at the regulations for a tax deduction and refund for Furusato nozei’s participants.

What can you receive when taking part in Furusato nozei?

Besides the thank-you gifts which the local regions give you, you can also get a residence tax deduction according to the amount of money you donated which will be subtracted from 2000 yen.

In addition, you may also be eligible for a refund of a portion of the individual income tax you have paid.

Types of tax deduction and tax refund in Japan in Furusato nozei

In general, there are two types of tax deduction and tax refund in Japan when a taxpayer decides to join the Furusato nozei regime.

• Contribution to up to 5 localities: If you attend Furusato nozei in more than 5 local regions, you will receive a residence tax deduction and individual income tax refund in Japan.
• Contribution to less than 5 localities: In contrast, if you make a contribution to no more than 5 localities, you will only get a residence tax deduction.

Normally, to get a residence tax deduction and income tax refund in Japan, Furusato nozei’s participants must file a tax declaration.

Individual income tax refund in Japan

As mentioned above, you can only get an individual income tax refund in Japan if you engage in Furusato nozei in up to 5 localities. Still, to get a tax refund in Japan, tax declaration procedures are required.

After filing a tax declaration, the refund money will be transferred to your bank account in around one month or one month and a half.

For instance, if you make the declaration procedures on February 15th, then the estimated time you will get your cashback will be at the beginning of March.

Residence tax deduction

First and foremost, you should make clear that individual income tax can be refunded; on the other hand, the residence tax cannot. Instead, it will only be deducted. 

In addition, the maximum amount of money deducted is basically based on your monthly income; hence, it will vary for different residents. At the limit, the tax deducted is calculated as the amount of monetary contribution minus 2000 yen. 

Besides, the deducted residence tax will be valid for the next year after you attend Furusato nozei. 

For instance, you register for Furusato nozei in 2017 and file for tax declaration procedures in February 2018. Then, the tax department will send your tax information to the locality. It also means you will get your residence tax deducted from June 2018 to May 2019.

Finally, when starting the residence tax collection in June, the local tax department will send you a notification form, where you can check the amount of tax deduction. Otherwise, you can check it out in the monthly salary form.

Final thoughts

In general, when attending the Furusato nozei regime, there are several benefits, as you can receive plenty of local gifts, a residence tax deduction, and an income tax refund in Japan.

We hope that all of the information above can help resolve some of your inquiries regarding tax deductions and a tax refund in Japan.

Contact us via our website or Facebook page to get more useful information.

Comprehensive Requirements for Japan Tax Refund in 2022

In “How to Claim Your Income Tax Refund in Japan in 2022,” we show you what an income tax refund is, who is entitled to receive it, and what documents you need to send in an application.

Still, you may wonder if you have to follow any requirements with the documents to get your application accepted.

Hence, in this blog, we will delineate the detailed conditions for the documents you submit to successfully get a Japan tax return.

What is a japan tax refund?

A tax refund is a payment made to a taxpayer to cover any overpayments made to the state governments.

While refunds are frequently seen by taxpayers as a windfall or a lucky break, they frequently represent what amounts to an interest-free loan that the taxpayer paid to the government.

Why should you submit for a Japan tax refund?

Taxpayers receive refunds for a variety of reasons or may even owe the government money in some circumstances.

When too much money is withheld from their taxes, the taxpayer gets a refund at the end of the year. If you overspend your estimated taxes and are self-employed, you also receive a Japan tax refund. 

Still, you might think of this additional revenue as free money, but in reality, it’s more like a loan you gave the IRS without charging interest. If you overestimate your tax liability, you will owe money to the government.

However, you can only get a Japan tax refund if you’ve never applied for a tax reduction.

How can you submit for a Japan tax refund

If you’re a foreigner living in Japan for about one year, you can file and get your Japan tax return in two ways, through the tax department (Zeimusho) and local administration. Or, you can ask somebody for help.

Through the tax department (Zeimusho)

If you decide to handle this process on your own, you can conduct it on the Internet or directly come to the local Tax Department (Zeimusho) or People’s Committee according to where you currently live. They will show you detailed instructions to easily follow.

Ask for help

You can ask your company’s legal officer to apply for a Japan tax refund on your behalf. All you have to do is to provide them with adequate personal documents to make the procedure run smoothly.

Currently, one of the most trustworthy and top-rated services is that of HSB JAPAN. The staff will give you comprehensive assistance in submitting for a Japan tax refund as well as resolve any of your inquiries regarding this topic. 

Otherwise, you can join HSB JAPAN’s Facebook fan page to discuss more Japanese tax refunds and pensions with other foreigners residing in Japan.

Pay taxes in Japan

First and foremost, you must pay two types of taxes when living in Japan. They are individual income tax and residence tax. However, to do this, your annual income must be over 130,000 yen according to Japanese law and currency. Otherwise, you cannot pay taxes and receive a Japan tax return.

Prepare adequate documents to submit for a Japan tax refund

To claim a tax refund in Japan, you will be required to submit some obligatory documents. We will now list them out and explain to you why.

Resident card

You must submit a photocopy of your resident card with both the front and back sides.

It is extremely necessary as your resident card displays information about your name, address, length of stay, and other details. So, make sure you don’t forget this!

Gensen

Gensen, or gensenchoshuhyou, is a withholding tax slip in English.

Particularly, a gensen will be an extremely crucial document if you want to send in an application to get a Japan tax refund. It will display and prove your personal earnings and withheld taxes throughout the year.

In addition, there are some requirements related to your withholding tax slip that you should carefully prepare:

• You will not be able to get a Japan tax refund if gensen doesn’t show the amount of tax withheld from your salary.
• The picture of gensen must include full information (year, your company’s name and address, employee’s name, etc.)
• Only the gensen taken directly from your company is official accepted.

Remittance history

Remittances are money transfers to family or friends in your home countries. These payments play an important role in the lives of many people, supporting families and communities.

Therefore, if you want to apply for a Japan tax refund, you must include these documents as they will prove to the tax office the information you submitted. It includes who you sent remittances to, how much, and the date of transactions.

Moreover, the number of dependents you have also affects the amount of Japan tax refund you receive. For instance, with 1 dependent, you can get a tax refund for income tax at 19,300 Yen and residence tax at 35,500 Yen per year.

Birth Certificates

A birth certificate is a document that lists the full name, date of birth, place of birth, parent’s full name, and other identifying information of a person. It is typically issued by the government agency responsible for vital records. So, why do you need to submit your and your family members’ birth certificates?

That is to prove your relationship with the dependents. For instance, the tax office will check your parents’ information on your birth certificate if you send them remittances. 

However, some of the other tax offices may require you to submit your parents’ marriage certificate so that they can check for further validity.

Cash card bank certificates

When you are living in Japan, you can get a Japan tax refund of your individual income and residence tax by using a Cash Card.

To do this, after presenting your remittance history and passport to the Japanese Tax Office, you will be able to get a Japan tax refund and the money will be transferred to the bank account you submitted. 

Other requirements

Time for getting a Japan tax refund

If you’re looking to get a Japan tax refund, remember that the maximum amount of tax refund you can get is within the last 5 years. It means you can file for a Japan tax refund for each year separately, or you can just wait for about 5 years to withdraw a Japan tax refund in bulk.

If you have any questions about the tax refund process, or if you need help filing your return, contact us via the HSB JAPAN Website or Facebook, and we will answer all of your inquiries.

Remittances to dependents

If you have two or more dependents, you should send them remittances into separate bank accounts. Moreover, the name of the bank accounts must correspond with the dependents’ names you submitted.

In addition, you must have remittance receipts to get a Japan tax refund. It won’t be approved if you come back to your home country and give the money hand-in-hand to your dependents.

Although the more dependents you have to take care of, the more money you get back, you should not list too many dependents as it may be a sign of avoiding paying taxes. Instead, 4 dependents will be an appropriate number.

Final words

All in all, the process of withdrawing a Japan tax refund may not be as complicated and time-consuming as you might think. Just strictly follow the directions and you can get through it with ease. 

How to Claim Your Income Tax Refund in Japan in 2022

If you are foreigners who have lived in Japan for nearly a year, you may hear about the term “income tax refund” and wonder what it is and whether you are eligible to receive it.

This blog will give you a general understanding of income tax and how you can claim your income tax refund in Japan.

What is individual income tax in Japan?

First, you should know the definition of income tax because it’s one of the two main types of taxes you have to pay when living in Japan.

In general, income tax is the tax levied by the government depending on your annual income. Hence, the tax year is from January 1st to December 31st. Meanwhile, the due date for an income tax refund in Japan is normally on March 15th.

Particularly, the levy will be taken out of the paychecks of students, trainees, and workers for contracting businesses. If you are employed by a business without a written contract, you must self-declare your taxes and file them by March 15th.

Who has to pay income tax in Japan?

Everyone living in Japan must pay individual income tax according to law, except for people who have amounts of income below 130,000 yen per year.

On the other hand, other residents have to pay tax as follow:

• Permanent resident taxpayers: the tax is based on their income in Japan and nationwide.
• Non-permanent resident taxpayers: they are taxed on all of their income, excluding foreign-source income (including, potentially, certain capital gains) that is not paid into or remitted to Japan, as well as, potentially, a portion of their foreign-source income.

Who could be entitled to get an income tax refund in Japan?

In three situations, you are allowed to get an income tax refund in Japan.

• You have been a foreigner working in Japan for more than a year with an amount of income more than 130,000 yen per year.
• Your legal spouse is a Japanese person.
• You send remittances back to family dependents in your home country. The more dependents you have to take care of, the more income tax refund in Japan you receive.

How to claim your income tax refund in Japan

It is a significantly important step as we can show you how you can claim your income tax refund in Japan yearly. All you have to do is go to the tax office and prepare adequate documents, including:

1. A photocopy of your residence card (both front and back sides).

2. A photocopy of your last-year withholding tax slip. However, if you have two or more jobs, you need to submit the corresponding number of withholding tax slips to get the right amount of income tax refund in Japan.

3. Any necessary document that can clearly state your relationships with the dependents to whom you send remittances. For example, birth certificates, legal marriage contracts, and others.

4. Your regular remittance receipts

In addition, you have to give them your bank account to receive the income tax refund in Japan after a few weeks.

Finally, to get further information about the income tax refund in Japan in more detail, you can contact HSB JAPAN for full support and consultation.

Final thoughts

All in all, we hope that all of the information above helps you have a brief understanding of the income tax refund in Japan. You can start applying and getting money right now by just following the instructions and preparing all of the required documents to avoid delays.

Contact us via Facebook: https://www.facebook.com/taxrefundinjapan

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

TAX REFUND

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