How to Get the Maximum Nenkin Refund from Japan?

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

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

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

Eligibility for Nenkin Refund:

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

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

No.	Contribution Period	Nenkin Factor
1	6 – less than 12 months	0.5
2	12 – less than 18 months	1.1
3	18 – less than 24 months	1.6
4	24 – less than 30 months	2.2
5	30 – less than 36 months	2.7
6	36 – less than 42 months	3.3
7	42 – less than 48 months	3.8
8	48 – less than 54 months	4.4
9	54 – less than 60 months	4.9
10	60 months or more	5.5

2. How to Maximize Your Nenkin Refund

2.1. Plan Your Contribution Period Wisely

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

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

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

2.1.2. Maximum Contribution Limit of 5 Years:

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

2.2. Choose a Reliable and Professional Service

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

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

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

Warning signs of unreliable service providers:

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

Why Choose HSB JAPAN?

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