GET NENKIN FROM ONLY 9,500 YEN – THE BEST PRICE ON THE MARKET WITH A TEAM OF 15 YEARS OF EXPERIENCE
When living and working in Japan, besides enjoying salary benefits, allowances, and quality of life, Vietnamese workers in Japan must also fulfill mandatory obligations similar to Japanese citizens, such as paying income contributions and taxes. Among these obligations, Nenkin (pension system) is one of the most concerning topics for Vietnamese workers. So how can you reclaim your Nenkin at the best price? Let HSB JAPAN guide you through the process in this article!
1. What is Nenkin? How is Nenkin Calculated?
Nenkin (年金) is Japan’s pension system, which requires all workers, including foreign workers in Japan, to participate. If you work in Japan and have an income, you are obligated to pay Nenkin as per government regulations. The main purpose of Nenkin is to ensure a source of income for workers after retirement or when they are no longer able to work.
There are two types of Nenkin in Japan:
Kokumin Nenkin (National Pension Insurance): For self-employed individuals, students, or those who are not covered by company insurance.
Kousei Nenkin (Employees’ Pension Insurance): For employees working at companies or enterprises.
If you are a foreign worker who leaves Japan before reaching the required conditions for pension benefits, you may request a refund of part of your contributions. This process is called Lump-sum Withdrawal Payment.
Nenkin Coefficient Calculation
The amount of Nenkin you can reclaim depends on the number of months you contributed to the system. The calculation follows this table:
Months Paid
Months Used for Calculation
Nenkin Coefficient
6 – <12
6
0.5
12 – <18
12
1.1
18 – <24
18
1.6
24 – <30
24
2.2
30 – <36
30
2.7
36 – <42
36
3.3
42 – <48
42
3.8
48 – <54
48
4.4
54 – <60
54
4.9
60+
60
5.5
The amount you receive is calculated as follows: Nenkin Refund Amount = Average Monthly Salary × Nenkin Coefficient
Average Monthly Salary refers to your gross salary per month (before deductions such as insurance, tax, rent, utilities, etc.).
2. Conditions to Claim Nenkin
To apply for a Nenkin refund, you must meet the following conditions:
No longer residing in Japan (your residence registration must be canceled).
Have contributed to Nenkin for at least 6 months.
Submit your application within 2 years from the date of departure from Japan.
Not currently receiving pension benefits in Japan.
3. Nenkin Refund Process & Required Documents
The Nenkin refund process is divided into two stages: Nenkin First Payment & Nenkin Second Payment.
3.1 Nenkin First Payment
This is the initial refund of part of your contributions to the Japanese pension system.
Required documents:
Copy of your passport (showing personal details, residence status, and Japan exit stamp).
Bank account details (for receiving the refund).
Nenkin Handbook (if available).
Nenkin Refund Application Form.
Processing Time: 4-6 months after submitting the application to Japan.
3.2 Nenkin Second Payment
The second payment is the remaining 20% of your total Nenkin. When you receive the first payment, 20% is deducted as tax. You can reclaim this amount by applying for a tax refund.
Required documents:
Tax Withholding Statement (Gensen Choushu Hyou).
Authorization Letter for a representative in Japan (if you cannot process the application yourself).
Tax Refund Application Form.
Processing Time: 2-4 months after completing the first refund process.
Important Note: You cannot apply for the second refund yourself. You must authorize a representative currently living in Japan to apply on your behalf.
Conditions to Claim Nenkin Second Payment
The tax refund application must be submitted within 5 years of leaving Japan.
The refund is only transferred to a bank account in Japan.
A tax representative in Japan must be appointed.
You must have successfully claimed Nenkin First Payment.
4. Get Your Nenkin Refund from Just 9,500 Yen with HSB JAPAN
If you don’t have time or find the process too complicated, HSB JAPAN provides a fast and accurate Nenkin refund service at a special price starting from just 9,500 yen – the best price on the market with exclusive benefits!
Why Choose HSB JAPAN?
Best Price Guarantee – From 9,500 yen, the most affordable rate.
15+ Years of Expertise – Deep understanding of Japan’s legal and tax system, ensuring a smooth and error-free process.
Fast Processing – No delays, no rejected applications – we ensure you receive your refund on time.
Transparent Fees – No hidden costs, full-package service for both Nenkin First & Second Payments.
Dedicated Support – Our bilingual consultants (Japanese & Vietnamese) assist you from A-Z, answering all your concerns.
How to Apply with HSB JAPAN?
Contact Us – Message or call for a free consultation.
Prepare Documents – Receive detailed guidance on required paperwork.
Submit Application – HSB JAPAN will process everything on your behalf.
Receive Nenkin Refund – The refund will be directly transferred to your account.
Contact HSB JAPAN now for expert guidance and hassle-free Nenkin retrieval!
How to Get the Maximum Nenkin Refund from Japan?
How to Maximize Your Nenkin Refund from Japan? Discover the secrets to optimizing your contribution period and procedures with the support of HSB JAPAN to receive your full benefits quickly and safely.
1. What is Nenkin? Who Can Claim Nenkin Refunds?
Nenkin is Japan’s mandatory pension system for workers, including foreign employees. When you stop working in Japan, you can apply for a partial refund of the Nenkin contributions you have made.
Eligibility for Nenkin Refund:
No longer residing in Japan.
Have canceled insurance and residency before leaving Japan.
Paid Nenkin contributions for at least 6 months.
Submit the Nenkin refund application within 2 years of leaving Japan.
2.1.1. Nenkin is calculated in multiples of 6 months. For example:
If you contribute for 6-11 months, it is counted as 6 months.
If you contribute for 35 months, it is counted as 30 months.
Ensure your contribution periods are 6, 12, 18, 24,… months to avoid losses.
2.1.2. Maximum Contribution Limit of 5 Years:
You can receive a refund for a maximum of 60 months (5 years).
Contributions beyond 5 years will only be refunded up to the 5-year limit.
Once you reach 5 years, consider returning to your home country to claim your Nenkin refund before re-entering Japan for work.
2.2. Choose a Reliable and Professional Service
Handling the Nenkin refund process on your own can be time-consuming and challenging, leading to potential issues such as:
Lost Documents: Even a minor mistake can delay the entire process.
Rejected Applications: Lack of experience may result in applications not meeting the requirements.
Complex Procedures: Figuring out the process yourself may take weeks or even months.
Be cautious of unreliable services, as you may risk losing both your first and second Nenkin refunds.
Warning signs of unreliable service providers:
Requesting advance fees without properly processing applications.
Delaying or refusing responsibility if the application is rejected.
Lack of transparency in processing progress, leaving you uninformed about your application status.
Disappearing after collecting the deposit, leaving you without support.
Concealing information about the second Nenkin refund (20% tax refund), misleading you to believe the first refund is the full amount.
Why Choose HSB JAPAN?
With 15 years of experience, HSB JAPAN has successfully assisted over 50,000 cases in claiming pension lump sums and tax refunds in Japan. We take pride in being a reliable partner, helping Filipinos and other nationalities reclaim their rightful refunds quickly and hassle-free. By choosing HSB JAPAN, you will receive the following: Professional Support: Honest consultation and assistance with any challenges you may encounter. Transparent Process: Simple, clear, and always on time. Comprehensive Document Preparation: Save time and effort with our expert support. Low Fees: No hidden charges, with everything clearly explained upfront. 100% Success Rate: Ensuring you receive the maximum amount you deserve.
Choose HSB JAPAN to protect your financial rights safely and effectively!
Nenkin Refund in Japan: Everything You Need to Know About Japan’s Pension System
Understanding and navigating Japan’s pension system can be tricky, but if you’ve worked in Japan and contributed to Nenkin, you may be entitled to a refund. By working with a trusted service like HSB JAPAN, you can ensure that your Nenkin refund process is as smooth and efficient as possible. Whether you need assistance with your pension lump sum or have questions about your eligibility, HSB JAPAN – we’re here to help!
What is Nenkin? Key Facts About Japan’s Pension System
Nenkin (年金) refers to Japan’s pension insurance system, which is a mandatory contribution for anyone living and working in Japan. The system ensures that people are supported financially in their old age. The system consists of three main types of pensions, each designed for different groups of people.
All residents aged 20 and above are required to participate in the Nenkin scheme, regardless of nationality. However, the specific type of Nenkin someone participates in depends on their employment status and income level. Below is a quick overview of the three main types of Nenkin insurance:
1. Kokumin Nenkin (National Pension)
This is the basic pension system and is mandatory for all Japanese residents aged 20 to 60 years, regardless of their nationality.
Eligibility: Students, freelancers, self-employed individuals, and those not covered by other pension plans.
Contribution: Around 16,000 yen per month (fixed amount), regardless of income.
Note: Those who are not planning to apply for permanent residency may choose not to participate.
2. Kousei Nenkin (Employees’ Pension Insurance)
This pension scheme applies to people working as full-time employees (seishain) in companies.
Contribution: The amount is deducted directly from employees’ salaries each month.
Employer Contribution: Both the employee and employer contribute 50% each.
3. Kyousai Nenkin (Mutual Aid Pension)
This pension scheme is for public employees, teachers at private schools, and some other specific groups.
Can You Get a Nenkin Refund?
Yes, it is possible to claim a refund for the Nenkin contributions you have made, but there are certain conditions. If you are a non-Japanese citizen who worked in Japan but are no longer a resident, you may be eligible for a refund.
Eligibility for a Nenkin Refund
To apply for a Nenkin refund, you must meet the following criteria:
Non-Japanese nationality (you are not a Japanese citizen).
Contributed for more than 6 months but less than 10 years.
No longer reside in Japan: You must apply for the refund within two years of leaving Japan.
No ongoing contributions: You must stop contributing to Nenkin at the time you submit your refund application.
How to Apply for a Nenkin Refund
If you meet the eligibility requirements, you can apply for a Nenkin refund after leaving Japan. Here’s how the process typically works:
1. Prepare the Necessary Documents
Send the required documents to a service provider (like HSB JAPAN) for processing.
You can send documents via email or through their Facebook page to save time.
2. Application Process
Once your documents are submitted, the processing team will prepare your refund application and submit it to the Japan Pension Service. The entire process is usually divided into two payment stages:
Stage 1: Receive 80% of the total refund amount, usually within 4-6 months.
Stage 2: The remaining 20% is refunded after another 2-4 months.
3. Payment Methods
Stage 1: The Japan Pension Service sends the refund directly to your bank account in Japan.
Stage 2: HSB JAPAN acts as a representative and receives the final refund, then transfers it to your designated account after deducting a service fee (8% of the Stage 2 refund).
Where to Get Help for Nenkin Refunds?
HSB JAPAN is a leading provider of Nenkin refund services in Vietnam. We specialize in helping former workers in Japan—whether you were an intern, engineer, or on a specific visa—retrieve your Nenkin contributions. We offer professional assistance even if you’ve lost your pension book, have outstanding contributions, or encounter other issues.
Why Choose HSB JAPAN?
15 years of experience with more than 15,000 successful cases handled.
Fast and convenient: We prepare and submit your documents the same day.
Guaranteed refund: We ensure you receive 100% of your Nenkin refund (Stage 1 & Stage 2).
Transparent pricing: No hidden fees; our service fees are fixed and clear from the start.
Customer support: We are available 24/7 to assist with any issues until you receive your full refund.
For fast and reliable service, contact HSB JAPAN today to get your Nenkin refund started!
The amount to be paid is calculated and increases on a 6-month basis up to a maximum of 12 periods or 60 months (5years). Any payment made after the 60th month is to be excluded. Therefore, the amount to be received will be the same whether one is enrolled in the system for 5 years or 9 years.
※ This new rule will be applied from April 2021.
HOW TO CALCULATE YOUR PENSION LUMPSUM?
① National Pension (KOKUMIN NENKIN)
Starting April 2021, for members whose final payment of insurance premium is due after April 3rd of year 2021, the amount of lump-sum withdrawal payment will be calculated according to the year in which the last month of payment of insurance premium belongs and the periods for which insurance premiums have been paid.
※For those whose final payment of insurance premium is due before March 2021, the amount of lump-sum withdrawal payment is calculated up to a maximum of 36 months (3 years) as in past calculations.
[Calculation Formula for Lump Sum Withdrawal Payment]
The amount of insurance premiums for the year to which the last month of payment of insurance premiums belongs x 1/2 x the number used to calculate the amount of lump-sum withdrawal payment. (See table)
② Employees’ Pension (KOUSEI NENKIN)
Starting April 2021, members whose final payment (the month before the month to which the day of disqualification belongs) is April or after, the amount of lump-sum withdrawal payment is calculated up to a maximum of 12 periods or 60 months.
※ But for those whose final payment of insurance premium is due before March 2021, the amount of lump-sum withdrawal payment will be calculated up to a maximum of 36 months (3 years) as in past calculations.
If you want to calculate how much is your Pension Lumpsum CLICK HERE.
You have coverage periods of six months or more under the EPI system.
You are not eligible for Old-age Employees’ Pension period (see note below)
You have never been entitled to receive a pension (including disability allowance).
It has been within two years of losing your membership of the National Pension if you have never possessed residency in Japan after the loss of your membership of the National Pension and the Employees’ pension.
It has been within two years of losing your residency in Japan if you have possessed residency in Japan after the loss of your membership of the National Pension and the EPI system.
Persons who fulfill the following conditions can claim their pension refunds: 1.They are not a Japanese citizen, 2.They have paid Japanese pension contributions from 6 months to 10 years 3.You left Japan less than two years ago 4. They don’t reside in Japan now （※）Minimum period for a qualification to claim old age pension (basically after 65 years old) is currently 10 year’s enrollment. Most of foreigners who worked in Japan in a short period with working visas are to get qualified to claim their pension refunds after leaving Japan. When the social insurance office (Japanese Pension Service) reimburses your pension payments, it deducts 20% income tax on the refunded amount. However, we will help you reclaim the 20% tax charged on the Lump-sum withdrawal.
We carry out TOTAL PROCESS of claiming pension refunds legally.
We examine all your documents before claiming and help you succeed in your refund surely.
