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Employees' Health Insurance System and Employees' Pension Insurance System

100-510-043-743 Last updated date:10 3 2017

The Employees’ Health Insurance (EHI) and the Employees’ Pension Insurance(EPI) are designed to help stabilize the living of company workers who pay income-based contributions, in case of old age, disability or death.
The coverage under the EHI and the EPI is compulsory by law, and it is not a contract which employers or workers may opt for the coverage or may withdraw.
The EHI and the EPI cover by the unit of workplace (covered workplace). The employers are responsible for necessary procedures for coverage and pay insurance contributions which are evenly shared by the employers and their employees.

Coverage

Compulsory Coverage

You must be covered by the EHI if you work for a company or a factory which employs 5 workers or more, or if you work for a HOJIN corporation irrespective of your preference or nationality, in principal. Specifically, a company here means one in business specified by law, such as manufacturers. Foreign nationals permitted to work based on their resident status must also purchase the policies and be insured regardless of their nationality.
If you are a part-time worker, you must be covered if your weekly work hours and monthly work days are three fourth or more of those for regular workers in the same workplace. If your work hours and work days are less than that, you still must be covered if your condition applies to the 5 followings: (1) your weekly work hours are 20 hours or more, (2) your employment is expected to be one year or longer, (3) your monthly wage is 88,000 yen or more, (4) you are not a student, and (5) you are employed by a “specific covered workplace”*.

*Specific covered workplace means:
(1) a workplace under one registered HOJIN(company) number, which is expected to employ more than 500 workers in more than 6 months a year.
(2) a workplace with 500 workers or less, which apply for coverage on the agreement between the employer and the workers

How to Enroll in the System

Your employer must submit the ダウンロードのリンク 新規ウインドウで開きます。"Application to Enroll in Employees' Health Insurance / Employees' Pension Insurance" (SHIKAKU SHUTOKU TODOKE - KENKO HOKEN / KOSEI NENKIN)(PDF 330KB) within 5 days after your employment, to the Japan Pension Service Branch Office (JPS Branch Office) which covers your company.
[Note] Please see the website of the 新規ウインドウで開きます。Japan Health Insurance Association(外部リンク) for voluntary and continuous coverage after retirement.

Coverage Of Your Dependents

Your dependent family members can apply for coverage if they are your first, second or third level of your family members or relatives (see the chart below). To be approved as dependents to be covered, he/she needs to be financially supported mainly by you.
When your dependent has an income, he/she is applicable if :
- he/she lives with you and has an income of less than ¥1.3* million AND less than half of your annual income.
- he/she does not live with you and has an income of less than ¥1.3* million AND less than the total financial support amount provided by you.
* ¥ 1.8 million if he/she is aged 60 or older or has certain level of disability

Your First, Second and Third Level of Family Members or Relatives

How to Enroll in the System

When your dependants become eligible for coverage or disqualified for coverage,your employer must submit the “Application for Dependant's Coverage” (HIFUYOSHA IDO TODOKE) within 5 days after the change, to the JPS Branch Office which covers your company.

Contribution

The contribution are calculated by applying the same contribution rate to employees’ monthly salaries (Standard Monthly Remuneration*) and their bonuses (Standard Bonus Amount**), which are paid half by the employer and half by the employees.
The employer must deduct contribution from their monthly salaries and bonuses, and then pay the contribution (together with those paid by the employer) by the last day of the following month. (For example, contribution for April must be paid by May 31.)

  • Contribution for regular months (without bonus payment)
    Contribution amount = Your Standard Monthly Remuneration* × Contribution rate ***
  • Contribution for bonus months (regular salary + bonus)
    Contribution amount = Your Standard Monthly Remuneration* × Contribution rate *** + Your Standard Bonus Amount**× Contribution rate***

* Standard Monthly Remuneration (monthly amount of pensionable remuneration)
The Standard Monthly Remuneration serves as the basis for calculating the benefits and insurance contributions for the EHI and the EPI. Your actual remuneration paid from the employer is classified into the prescribed remuneration table, and your Standard Monthly Remuneration is determined. Your remuneration includes every payment such as salary, wage and any allowance which you receive from your employer in return of your service performed. However, the bonus and such received at intervals of more than 3 months are excluded.

** Standard Bonus Amount
The Standard Bonus Amount is the amount of bonus you receive from your employer at intervals of more than 3 months, rounded down to the nearest \1,000. The maximum of the Standard Bonus Amount for the purpose of contribution calculation under the EHI is \5.73 million in total of bonus payments in one fiscal year (from 1 April to 31 March). The maximum Standard Bonus Amount under the EPI is \1.5 million per month.

*** Contribution rate
Contribution rates are specified separately for the EPI and the EHI.
EPI contribution amount table
(Please see the website of the 新規ウインドウで開きます。Japan Health Insurance Association(外部リンク) for EHI contribution)

(Note)
When you take maternity leave or childcare leave, both you and your employer may be exempt from contribution payments upon application.

Benefits

Old-age Employees' Pension for age 60-64

If you have one year or more of EPI coverage periods and if you satisfy the contribution requirement to qualify for the Old-age Basic Pension under the National Pension system, you can receive the specially-provided Old-age Employees' Pension from your pensionable age to 65. Currently, the pensionable age for this pension is 60 but this age is being raised in stages. Your pensionable age is determined according to your date of birth.

Benefit Amount

Annual amount of your specially-
provided Old-age Employees' Pension = (A) + (B) + (C)
payable between age 60-64

(A) Fixed Amount Portion*
\1,628 × 0.998(revision rate for the fiscal year 2017)×multiplier depending on your date of birth **×Number of your covered months (up to 480***months)

* The pensionable age for the fixed amount portion is being raised in stages.
Your pensionable age is determined according to your date of birth.
ダウンロードのリンク 新規ウインドウで開きます。** Please see here.(PDF 42KB)
*** This amount varies depending on your date of birth.

(B) Remuneration-related Portion
(a) + (b)

Remuneration-related Portion

* Your Average Standard Monthly Remunerations of March 2003 and earlier, reassessed to the current value and divided by the number of your covered months including March 2003 and earlier.
** This amount varies depending on your date of birth.
*** Total of your Average Standard Monthly Remunerations and Standard Bonuses in April 2003 and later, reassessed to the current value and divided by the number of your covered months including April 2003 and later.

(C) Additional annual benefits
If you have 20 years of EPI coverage periods in total or 15 years after age 40 (age 35 for women) and if you have dependent family member when you reach pensionable age of the Fixed Amount Portion ((A) above), you can receive additional annual benefits. Dependent family members include;
(1) your dependent spouse younger than age 65
(2) your dependent child(ren) who has not yet reached first March 31 since his/her 18th birthday (20th if with certain grade of disability specified by law)

  • ¥224,300 for your spouse*
  • ¥224,300 each for your first and second child
  • ¥74,800 each for your third and subsequent child(ren)

* Depending on your date of birth, special supplement for your dependent spouse may be added to this additional annual benefit.

How to Claim Your Benefit

To claim your benefit, you need to file the "Application for Pension : Old-age Benefits under National Pension / Employees' Pension Insurance" (NENKIN SEIKYUSHO : KOKUMIN NENKIN / KOSEI NENKIN HOKEN ROREI KYUFU) at the JPS Branch Office or Pension Consultation Center(PCC). You need to attach your Pension Handbook, a certified extract copy of your Family Registry and other necessary documents. Please contact the JPS Branch Office about specific documents, which may vary depending on your conditions.

Old-age Employees' Pension for age 60-64 and Early Payment of Old-age Basic Pension

If you were born between April 2, 1941 and April 1, 1949 (for women, between April 2, 1946 and April 1, 1954), and if you are eligible for the specially-provided Old-age Employees' Pension for age 60-64, you may opt for the early payment of the Old-age Basic Pension (either partial or whole amount).

Old-age Employees' Pension for age 60-64 while you work

While you work, your specially-provided Old-age Employees' Pension for age 60-64 will be either reduced or suspended if the total of your monthly Pension payable and your monthly remuneration from your work is more than ¥280,000.

Old-age Employees' Pension for age 60-64 and Employment Insurance benefits

While you receive the Unemployment Basic Allowance paid under the Employment Insurance Act, your specially-provided Old-age Employees' Pension for age 60-64 will be suspended.
While you work and receive the Older Workers' Employment Continuation Benefits paid under the Employment Insurance Act, your Old-age Employees' Pension amount is adjusted by considering your Benefits in addition to adjustment considering your salary.
In both cases, you need to submit the "Report of Reasons for Suspending Old-age Employees' Pension" (ROREI KOSEI NENKIN JUKYU KENSHA SHIKYU TEISHI JIYU GAITO TODOKE) at the JPS Branch Office or PCC. You need to attach the "Entitlement Notice of the Employment Continuation Benefits for Older Workers (KONENREI KOYO KEIZOKU KYUFU SHIKYU KETTEI TSUCHISHO)" issued by the Public Employment Security Office.

Old-age Employees' Pension after age 65

You can receive the Old-age Employees' Pension on top of your Old-age Basic Pension at the age of 65, if you have a coverage period under the EPI system and if you satisfy contribution requirements to qualify for the Old-age Basic Pension under the National Pension system.

Benefit Amount

Your annual Old-age Employees' Pension after age 65

* Same formula as the specially-provided Old-age Employees' Pension for age 60-64
** Equivalent to the difference, if any, between your "Fixed Amount Portion of the specially-provided Old-age Employees' Pension for age 60-64" and your "Old-age Basic Pension amount"
*** Same formula as additional annual benefits of the specially-provided Old-age Employees' Pension for age 60-64

How to Claim Your Benefit

To claim your benefit, you need to file the "Application for Pension (the Old-age Benefits under National Pension / Employees' Pension Insurance)" (NENKIN SEIKYUSHO - KOKUMIN NENKIN / KOSEI NENKIN HOKEN ROREI KYUFU) at the JPS Branch Office or PCC. You need to attach your Pension Handbook, a certified extract copy of your Family Registry and other necessary documents. Please contact the JPS Branch Office about specific documents, which may vary depending on your conditions.
When you reach age 65, while receiving the specially-provided Old-age Employees' Pension for age 60-64, you only need to fill in a postcard version of the same claim form and send it to the JPS Headquarters (Tokyo).

Old-age Employees' Pension after age 65 while you work

Your Old-age Employees' Pension after age 65 will be either reduced or suspended while you are covered under the EPI system and the total of your monthly Pension payable and your monthly remuneration from your work is more than ¥460,000.

Disability Employees' Pension and Disability Allowance

You can receive the Disability Employees' Pension or Disability Allowance (lump-sum payment) when you have a certain level of disability specified by law. To be eligible, you must be covered by the EPI system on the date of your first medical examination on the sickness or injury which caused above-mentioned disability. In addition, you need to satisfy contribution requirements to qualify for the Disability Basic Pension under the National Pension system. The eligible disability level ranges from Grade 1 to Grade 3 in the order of seriousness. In principle, if your disability level is assessed as Grade 1 or 2, you can receive both Disability Basic Pension and Disability Employees' Pension. If your disability level is assessed as Grade 3, you can receive only the Disability Employees' Pension.
If your disability level is lighter than Grade 3, you still may be eligible for the Disability Allowance (lump-sum payments).

Benefit Amount

<Disability Pension>
・Grade 1 Disability Pension =
 ( (a) + (b) ) × 1.25 + (c) + Disability Basic Pension
・Grade 2 Disability Pension =
 (a) + (b) + (c) + Disability Basic Pension
・Grade 3 Disability Pension = (a) + (b)
 (Guaranteed minimum benefit is ¥584,500)

Disability Pension

<Disability Allowance (lump-sum payment)>
Disability Allowance = ( (a) + (b) ) × 2
(Guaranteed minimum benefit is ¥1,169,000)

Disability Allowance

Note: When the total number of your covered months (referred in (a) and (b) above) is actually less than 300 (25 years), 300 is used as guaranteed minimum.

How to Claim Your Disability Employees' Pension

To claim your benefit, you need to file the "Application for Pension : Disability Benefits under National Pension / Employees' Pension Insurance" (NENKIN SEIKYUSHO - KOKUMIN NENKIN / KOSEI NENKIN HOKEN - SHOGAI KYUFU) at the JPS Branch Office or PCC. You need to attach your Pension Handbook, a certified extract copy of your Family Registry, the certificate of diagnoses issued by your doctor, your report on your medical history and on how your disability affect your work / everyday life as well as other necessary documents. Please contact the JPS Branch Office about specific documents, which may vary depending on your conditions.

Survivors' Employees' Pension

The deceased person's survivors can receive the Survivors' Employees' Pension if they are financially dependent on a deceased person before his/her death and if one of the following applies at the time of his/her death:

  • The deceased person is an insured person or is a previously insured person who dies within 5 years of his/her first medical examination of the sickness or injury. When he/she started suffering from the above- mentioned sickness or injury causing his/her death, he/she must be covered under the EPI system; The deceased person needs to satisfy contribution requirements to qualify for the Survivors' Basic Pension.
  • The deceased person is eligible for the Old-age Employees' Pension.
  • The deceased person is eligible for the Disability Employees' Pension (Grade1 or 2).

The spouse of the deceased who takes care of his/her dependent child(ren) or his/her child(ren) can receive the Survivors' Employees' Pension in addition to the Survivors' Basic Pension.

The benefit is awarded to the following survivors and the priority for payment is the same order:
(1) The deceased person's spouse* or child(ren) under age 18**(20 if with certain grade of disability specified by law)
(2) The deceased person's mother or father aged 55 or older
(3) The deceased person's grandchild(ren) under age 18**(20 if with certain grade of disability specified by law)
(4) The deceased person's grandmother or grandfather aged 55 or older

*The husband must be aged 55 or older.
**The benefits are paid until the first March 31 after his/her 18th birthday.

Benefit Amount

<The spouse of the deceased who takes care of his/her child(ren)* or his/her child(ren)>
( (a) + (b) ) × 3/4 + Survivors' Basic Pension
* He/She needs to live with his/her child(ren) who is eligible for the Survivors' Basic Pension.

<Other eligible survivors >
( (a) + (b) ) × 3/4

Survivors' Employees' Pension

** The ratio varies according to the deceased person's date of birth if the deceased person is eligible for the Old-age Employees' Pension before his/her death.
*** Different formula is used when the total number of the deceased person’s covered months ( (a) + (b) ) is actually less than 300 (25 years).

How to Claim Your Survivors' Employees' Pension

To claim your benefit, you need to file the "Application for Pension : Survivors' Benefits under National Pension / Employees' Pension Insurance" (NENKIN SEIKYUSHO - KOKUMIN NENKIN / KOSEI NENKIN HOKEN - IZOKU KYUFU) at the JPS Branch Office or PCC. You need to attach the deceased person's Pension Handbook, a certified copy of his/her Family Registry, the medical certificate on death issued by the doctor and other necessary documents. Please contact the JPS Branch Office about specific documents, which may vary depending on each situation.

Lump-sum Withdrawal Payments (Exclusively for Non-Japanese Citizens)

If you are not a Japanese citizen and you had worked in Japan and been covered by EPI system for a short period, you can claim the Payments within two years after your departure from Japan. You can claim the Payments if you have at least 6 months of coverage periods under the EPI system and you are not eligible for pension benefits. Please refer to the "Lump-sum Withdrawal Payments" details / application form in English, Chinese, Korean, Portuguese, Spanish, Indonesian, Pilipino, Thai and Vietnamese.

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