Video untuk Orientasi Kehidupan Sehari-hari di Jepang 9 Sistem Pensiun

Summary

This video explains Japan's pension system, which provides financial support to individuals through regular payments upon reaching a certain age or in case of disability. The system includes the National Pension and Employee Pension Insurance, with enrollment requirements varying by job status and age. Participants contribute through monthly premiums, and the amount they receive depends on their contribution period and other factors. Foreigners living in Japan also need to join the system and can apply for a lump sum withdrawal if they leave Japan. The video emphasizes the importance of completing pension registration and procedures.

Takeaways

• 😀 Japan has a pension system that provides regular payments to individuals once they reach a certain age or become disabled due to illness or injury, with contributions made through monthly insurance premiums.
• 😀 Both Japanese citizens and foreign residents (with certain requirements) are required to enroll in the pension system from ages 20 to 59.
• 😀 There are two main types of pension insurance: National Pension and Employee Pension Insurance, which are dependent on factors like employment status, job, and age.
• 😀 National Pension enrollment is mandatory for all individuals aged 20 to 59, including foreign nationals who have stayed in Japan for more than 3 months.
• 😀 National Pension participants are categorized into three groups: Category 1 (self-employed or unemployed individuals), Category 2 (employees of companies), and Category 3 (spouses financially supported by insured individuals).
• 😀 Category 1 individuals are required to pay premiums directly to the pension system, while Category 2 individuals have premiums automatically deducted from their salaries by their employer.
• 😀 The pension system assigns a unique Basic Pension Number to each participant, which is essential for receiving pension payments.
• 😀 Individuals who have contributed for at least 10 years to the National Pension are eligible to receive the Basic Old Age Pension starting at age 65.
• 😀 There are other types of pensions available, such as Basic Disability Pension for those who are disabled due to illness or injury, and survivors’ pensions for the families of deceased contributors.
• 😀 Foreigners who contributed to Japan’s pension system but no longer live in Japan can apply for a lump sum withdrawal payment, provided they meet certain conditions, like contributing for at least 6 months and filing a claim within 2 years of leaving Japan.

Q & A

What is Japan's pension system?

Japan's pension system provides individuals with regular payments upon reaching a certain age or if they become disabled due to illness or injury. These payments are made in exchange for monthly insurance premiums.

Who is required to join Japan's pension system?

Everyone living in Japan between the ages of 20 and 59 is required to join the national pension system, regardless of their citizenship.

What are the two main types of pension insurance in Japan?

The two main types of pension insurance in Japan are the National Pension and the Employee Pension Insurance. The type an individual joins depends on their job, company, and age.

What are the three categories of participants in the national pension system?

The three categories of participants in the national pension system are: Category 1 (unemployed or self-employed individuals), Category 2 (employees of companies), and Category 3 (spouses of individuals in Category 2 who are financially dependent).

How do individuals in Category 1 enroll in the national pension system?

Individuals in Category 1, such as unemployed individuals, must enroll in the national pension system at their local City office. They can pay their premiums at financial institutions, post offices, or convenience stores.

How does the enrollment process work for individuals in Category 2?

Individuals in Category 2, who are employed by a company and work for at least 20 hours per week, have their enrollment in the national pension and employee pension insurance handled by their employer.

What benefits can participants in the national pension system receive?

Participants in the national pension system can receive various benefits, including the basic old age pension, basic disability pension for those disabled due to illness or injury, and survivor pensions for the families of deceased participants.

What is the eligibility for receiving the basic old age pension?

To receive the basic old age pension, individuals must have contributed to the national pension system for at least 10 years, including periods when contributions were not required.

What is the welfare pension insurance and who is eligible for it?

Welfare pension insurance is designed for individuals who work at companies, meet certain conditions like working at least 20 hours per week, and are under the age of 69. The premium is split equally between the employee and employer.

Can foreign individuals who have paid pension premiums in Japan withdraw their contributions?

Yes, foreign individuals who have paid pension premiums in Japan and have left the country can apply for a lump sum withdrawal payment, provided they meet the requirements such as contributing for at least 6 months and filing within 2 years of leaving Japan.