May 6, 2018

Pension schemes

Is there anyone here who signed up for their own pension scheme ( in the case where employment does not come with pension as part of the employment package) at their prefectural municipal office? Is there a general/standard procedure or contribution? Does it vary by prefecture? Thanks in advance for any help offered.



Hi! I’m an educator/stay-at-home mom with an educator husband, a teenage daughter and six months old son. I loooove to cook, gets excited about curries and have a serious weakness for pastry especially cakes! Enjoy being outdoors, reading and sewing.

2 Answers

  • Tomuu

    on May 9

    I'm not sure that I'm qualified to answer this because I think that, while I'm on some sort of government pension that isn't done through my work, I think it might be done through my wife's work. Anyway, it's all a bit confusing. What I do know (or at least I think that I know) is that my premiums are based on how much money I earned the previous year and that there may be some fluctuations depending on the city in which you reside. Anyway, I get my pension "bills" delivered in one go sometime in spring. (I think I may have already received them.) I have the option of paying them all in one go and thus saving a couple of thousand yen, or I can pay them each month. I tend to do the latter, at a convenience store. In my experience, the "paying each month" option tends to mean that I forget from time to time. I always end up paying, but on a couple of occasions l've received a "follow up" letter for being late. Nothing aggressive though. It's a bit confusing, because on the pay slip it lists a whole bunch of dates including one that tells you that the bit of paper can be "used" for a couple of years but at the same time they are asking you to pay by the end of the month (or sometime around then). On a personal note, I feel like the premium I pay is quite high and it stings more than a little to know that were I ever to move back home, I would only be able to claim back the first 3 years of contributions that I made. Hope this helps you in some way.

  • Candiajia1

    on May 9

    @Tomuu, thank you for such a detailed response. I do agree with you that it is very confusing( been researching). I was quite outraged by that bit of info at the end of your post about only being able to recoup the first 3 years...... now I’m thinking I may just have to go into my municipal office with my limited Japanese and try and make google translate fill in the communication gaps. I so appreciate the time you took to respond to my question. Cheers!


Awaiting More Answers

2 Answers

Therapy Cats

Hello! I heard it was hard to find apartments that accept pets in Japan. I have a therapy cat who will absolutely have to come with me on my journey. Does anyone know if Japan apartments recognize therapy cats or how hard would it be to get my baby accepted? Thank you for the help!


on Jul 12

4 Answers

Any birthday idea?

It's my boyfriend birthday next month! I'm thinking about how to celebrate his birthday in Tokyo. We used to go abroad, but this time we would like to celebrate in Japan. Would be glad if your could recommend restaurants or any events in August? or how to celebrate in extra special way?


on Jul 10

11 Answers

Your favorite summer getaway spots?

Any favorite places you all have to get away to during the stinking hot summer months? I would love a long weekend away somewhere (ideally cooler!) We did Hakodate/Aomori one summer and really enjoyed it. Would love to hear your suggestions.


on Jun 12

3 Answers

Anybody know what these are?

Anybody know what these (larva, eggs, pupa...?) are and more importantly what (insect?) they will become? Thank you


on Jun 4