Employees' Pension Insurance

Regular employees are classified into the TYPE 2 Insureds regarding the Japanese public pension insurance system. The range of the TYPE 2 Insureds has been expanded recently. Employees working shorter time at big companies have also been included in the category.
The TYPE 2 Insureds shall be covered by the Employees' Pension Insurance plan (KOSEI NENKIN, in Japanese).

This plan is closely connected with the Social Health Insurance plan (SHAKAI HOKEN). The premiums are calculated simply based on the salary amount. The enrollment procedures are settled by the employers. A half of the premiums are borne by the employers. These features are common with the both. With the fifty-fifty split of the premiums burden, the Employees' Pension Insurance plan are regarded more favorable for the insureds. Instead, some are excluded from this insurance system unfairly by the employers, who cannot afford to pay the premiumes.

Spouses of the TYPE 2 insureds are classified into the TYPE 3 insureds if they meet some conditions related to theire revenue level. The TYPE 3 insureds are at the most favorable position . This category is implemented for the full-tiime housewives. The requirement for the qualification is their revenues are under the certain level. Some criticize the category is behind the times and too much preferential for the traditional family model. Actually, the full-time housewife style has become unusual for younger generations who cannot gain enough money by husbands only.
The number of the TYPE 3 insureds is decreasing. But, not a few housewives refrain from working much so that they can stay in the category.
The enrollment procedures for the TYPE 3 insureds are settled by the employers of their spouses. The spouses ( TYPE 2 insureds) are supposed to submit the application to the employers.

The pension benefit amount from the Employees' Pension Insurance for the respective insureds varies, according to the premiums amount they have contributed. This variation is a major difference from the National Pension Insurance plan. In addition, the pension amount shall be larger than the basic pension amount paid from the National Pension insurance plan.

〔In Japanese〕


厚生年金保険は、社会保険と強く結びつけられています。保険料は給与水準を基礎として算出され、加入手続きは雇用者によって処理されます。保険料の半分が雇用者によって負担されます。 これらは厚生年金と社会保険との共通点です。保険料が折半負担とされていることから、厚生年金保険は、国民年金よりも加入者にとって有利な制度であると考えられています。 他方で、この折半負担を嫌う雇用者によって、厚生年金の加入手続きをされないままに放置されている人も見られます。

第2号被保険者の配偶者は、収入水準に関する要件を満たす場合に、第3号被保険者とされます。第3号被保険者は、年金保険料の負担をすることなく、将来の年金受給資格が得られる点では最も有利な立場にあるといえます。 この区分は、専業主婦のために設けられた区分であり、収入額が一定額以下であることを要件としています。第3号被保険者の制度は、時代遅れであり、伝統的な家庭構成を過剰に優遇するものだとする批判もあります。 第3号被保険者の数は減少してきていますが、それでも少なくない主婦が第3号被保険者であり続けるために労働時間を調整するケースは少なくありません。

厚生年金保険から給付される年金の金額は、その払い込んだ保険料の多寡に応じて、受給者毎に異なります。年金額が被保険者毎に異なることは、国民年金保険制度との重要な違いです。 厚生年金の額は、国民年金制度からの給付額よりは多くなります。

Insurance Premiums

Roughly speaking, the amount of premiums for this plan is calculated by multiplying the prescribed rate to the salaries and bonuses amount of the relevant insured. The premiums amount is calculated based on his/her salaries and bonuses level alone.

The present rate of the premiums is 18.300%(in general. Those for sailormen or some others are a little higher.), since September 2017. As the premiums burden is split into halves, your portion is 9.150%. The premiums is levied by a month. The premiums for a month is supposed to be withhled from your monthly salary paid in the succeeding month.

〔In Japanese〕


現在の厚生年金保険料率は、2017年9月以降18.300%(通常の場合。船員などについては、より高い料率となっています。)とされています。 折半負担ですので、貴方の負担分は9.150%です。厚生年金保険料は月ごとに課され、当月分の保険料は、その翌月に支払われる給与の額から天引きされることとなっています。