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!


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