Loading...

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.

Candiajia1

Candiajia1

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



  • KamaT

    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.

    0
  • 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!

    0

Awaiting More Answers

18 Answers

Database error

Anyone else getting a database error after you log in? So far, it looks like I can still write posts, but I had trouble logging in and after log in my home page looks different to normal with a "database error" message.

BigfamJapan

on May 23

10 Answers

Condiments in your fridge?

Just for fun! I was thinking the other day how different the contents of my fridge are to the fridge I grew up with! Just one example, I always have soy sauce in my fridge and usually at least one other unopened bottle in the cupboard. There was never soy sauce in my fridge growing up. And the friends I grew up with don't have soy sauce in their fridges even now. But my Uni friends all have soy sauce in their fridges, because they all lived in Japan for at least a year. I was just wondering what things do you have in your fridge here that you probably wouldn't have in your fridge in your home country had you never lived here.

BigfamJapan

on May 9

9 Answers

Moving house process

I've been in my apartment for nearly 7 years. I've got my eye on an apartment one station closer to work. But I forgot what it was like to move in here! It was all a bit traumatic... Have you got some packing tips, suggestions for how to move your household goods, and what to save for last?

TonetoEdo

on May 3

4 Answers

Golden Week 2025 plans?

This year's Golden Week gives us Tuesday, April 29th, and then potentially a four-day weekend from May 3rd to 6th. How are you intending to spend the break? Will you travel, "staycation", or dare I ask, work through it?

TonetoEdo

on Apr 24