Old-age Employees' Pension

You can receive Old-age Employees‘ Pension from age 65 if you are eligible to receive Old-age Basic Pension and also have one month or more of coverage periods under Employees’ Pension Insurance (EPI.)
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 National Pension, you can receive the specially-provided Old-age Employees' Pension from your pensionable age to 65.

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

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

Your Old-age Employees' Pension will be either reduced or suspended while you work and are covered by EPI and the total of your monthly pension payable and your monthly remuneration from your work is more than ￥510,000.

In principle, the pensionable age for Old-age Basic Pension and Old-age Employees’ Pension is 65. However, you may opt to start early payment any time between your 60th birth month and the previous month of your 65th birth month. Note that if you opt for early payment, the benefits amount will be reduced.

You need to file "Application for Pension: Old-age Benefits under National Pension / Employees’ Pension Insurance."
We will send the application form to residents in Japan who become eligible for old-age pension benefits, three months before your pensionable age.
Your pension records are pre-printed on the application form. If you find any missing or errors in the records, contact JPS branch office before claiming the benefits.

Documents to be attached are as follows;

• Certified copy of your Family Registry, extract of Family Registry, or Resident Registry, as proof of your date of birth*
• Copy of statements, passbook, or certificate of your bank account, as evidence of your bank account for benefits deposit**
• Document to prove your employment insurance number, if you were covered by employment insurance, e.g. employment insurance card
• Certified copy of address history in your Family Registry to prove periods of your residence in Japan, if the total of contribution-paid periods and contribution-exempted periods is less than 25 years
• Document to prove relationship to spouse or child and proof of their income, if you are eligible for additional benefits for dependent spouse under age 65 or child under age 18 (Contact JPS branch office to find your eligibility.)

* Documents should be issued after the date of your eligibility. If you are Japanese residing outside Japan, you also need a certificate of residence, issued by the Japanese consulate.

** If you reside outside Japan and wish to have your benefits deposited to your bank account outside Japan, you also need to submit “Notification of Registration (Change) of Address/Pension-receiving Financial Institution of Pension Recipient Residing Outside Japan.”

If you reside in Japan, submit it to your nearest JPS branch office or pension consultation center. If you reside outside Japan, send it by post to the JPS branch office in charge of your latest place of residence in Japan or to the JPS Headquarters. See list of JPS branch offices.

For those receiving the specially-provided Old-age Employees’ Pension (refer to next section) before age 65, you will receive a pension application form in postcard by JPS Headquarters in the beginning of your 65th birth month. Enter your specific information and post it to JPS Headquarters.

If you lose your postcard sent by JPS, you can print and use "Application for Pension (the Old-age Benefits under National Pension / Employees' Pension Insurance.)"

If you opt to delay payments of both Old-age Basic Pension and Old-age Employees’ Pension at age 66 or later, you don’t need to file the application. File the application when you want to start delayed pension payment.

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 National Pension, you can receive the specially-provided Old-age Employees' Pension from your pensionable age to 65. The pensionable age for this pension is being raised in stages according to date of birth.

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

(A) Fixed Amount Portion*

\1,628 × 1.065** (rate for the fiscal year 2025）× 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 according to date of birth.

** 1.062 for a beneficiary born on or before April 1, 1956.

*** Refer to multiplier chart（PDF　42KB）

**** This amount varies depending on your date of birth.

(B) Remuneration-related Portion

(a) + (b)

* 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 benefits for dependents

If you have periods of EPI coverage for 20 years or more in total, or for 15 to 19 years after age 40 (age 35 for women,) and if you have dependent family members when you reach age 65 in principle, you can receive additional benefits for dependents. Eligible dependent family members include;

(1) your dependent spouse younger than age 65, except that your spouse has periods of EPI coverage for 20 years or more in total, or for 15 to 19 years after age 40 (age 35 for women)

(2) your dependent child(ren) who is under age 18 (until first March 31 after his/her 18th birthday) or age 20 if he/she has a certain grade of disability specified by pension law

Amount of additional benefits for dependents

• ￥239,300 for your spouse*
• ￥239,300 each for your first and second child
• ￥79,800 each for your third and subsequent child(ren)

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

While you work and are covered by EPI, your specially-provided Old-age Employees' Pension will be either reduced or suspended if the total of your monthly pension payable and your monthly remuneration from your work is more than ￥510,000.

While you receive the Unemployment Basic Allowance paid under the Employment Insurance Act, your specially-provided Old-age Employees' Pension will be suspended.
While you work and receive the continuous employment benefits for the elderly which is paid under the Employment Insurance Act, your specially-provided Old-age Employees' Pension amount is adjusted by considering your continuous employment benefits, in addition to the adjustment explained in "Old-age Employees' Pension for age 60-64 while you work" above.

You need to file "Application for Pension: Old-age Benefits under National Pension / Employees’ Pension Insurance."
We will send the application form to residents in Japan who become eligible for old-age pension benefits three months before you reach the age at which you can start receiving benefits.
Your pension records are printed on the application form. If there are any missing or errors in the records, contact JPS branch office before claiming the benefits.

Documents to be attached are as follows;

• Certified copy of you Family Registry , extract of Family Registry, or Resident Registry, as proof of your date of birth*
• Copy of statements, passbook, or certificate of bank account as evidence of bank account for benefits deposit**
• Document to prove your employment insurance number, if you were covered by employment insurance, e.g. employment insurance card
• Certified copy of address history in your Family Registry to prove periods of your residence in Japan, if the total of contribution-paid periods and contribution-exempted periods is less than 25 years
• Document to prove relationship to spouse or child and proof of their income, if you are eligible for additional benefits for dependent spouse under age 65 or child under age 18

* Documents should be issued after the date of your eligibility. If you reside outside Japan, you need a certificate of residence, issued by the Japanese consulate.

** If you reside outside Japan and wish to have your benefits deposited to your bank account outside Japan, you also need to submit “Notification of Registration (Change) of Address/Pension-receiving Financial Institution of Pension Recipient Residing Outside Japan.”

If you reside in Japan, submit the application and document to your nearest JPS branch office or pension consultation center. If you reside outside Japan, send it by post to the JPS branch office in charge of your latest place of residence in Japan or to the JPS Headquarters. See list of JPS branch offices.