Japan Lumpsum Pension Refund, Tax Return - YouAT LLC

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Please count on us for Japan's pension and tax refund
Please count on us for pension and tax refund

Pension Topics

2021-04-02

1.Kosei Nenkin (Employees’ Pension Insurance)

Kosei Nenkin (厚生年金, こうせいねんきん) covers people who are employed by companies.

Pension refund (Lump-sum Withdrawal Payments) of Kosei Nenkin is calculated as

Pension Refund = Average Standard Remuneration * Multiplier

(*)Average Standard Remuneration is calculated from the average of your salaries and bonuses you receive throughout the period you pay your pension contributions. Please note that it isn’t necessarily the same as the average of your REAL salaries & bonuses (especially if your monthly salary is over 650,000 Yen it is trimmed to 650,000 Yen to derive Average Standard Remuneration).

Your pension refund amount is decided multiplying this Average Standard Remuneration by Multiplier according to your contributed months, shown below.

Case 1: You contribute Kosei Nenkin in April 2021 or after

Months ContributedMultiplier
6-110.5
12-171.1
18-231.6
24-292.2
30-352.7
36-413.3
42-473.8
48-534.4
54-594.9
over605.5


Case 2: You end contributions of Kosei Nenkin in March 2021 or before

Months ContributedMultiplier
6-110.5
12-171.1
18-231.6
24-292.2
30-352.7
over363.3


[NOTE1] App. 20% of pension refunds are withheld as income tax.
[NOTE2] The sum of Lump-sum Payments are calculated by Japanese Yen. When they are transferred into the bank accounts you designate, they will be exchanged from yen into a foreign currency.
 

2.Kokumin Nenkin (National Pension)

Kokumin Nenkin (国民年金,こくみんねんきん) covers people who are not employed by companies or public offices, that is, for example, the self-employed persons.

Pension refund (Lump-sum Withdrawal Payments) of Kokumin Nenkin is set as the following tables.

Case 1: You contribute Kokumin Nenkin from April 2021 to March 2022

Months ContributedRefund Amount (JPY)
6-1149,830
12-1799,660
18-23149,490
24-29199,320
30-35249,150
36-41298,980
42-47348,810
48-53398,640
54-59448,470
over60498,300


Case 2: You end contributions of Kokumin Nenkin in March 2021 or before

If you end contributions of Kokumin Nenkin in March 2021 or before, your pension refund is paid only by 36 months.
How much it is paid differs year by year (not drastically but modestly), so this is one example.

Example: You end contributions of Kokumin Nenkin from April 2020 to March 2021
Months ContributedRefund Amount (JPY)
6-1149,620
12-1799,240
18-23148,860
24-29198,480
30-35248,100
over36297,720


[NOTE]The sum of Lump-sum Payments are calculated by Japanese Yen. When they are transferred into the bank accounts you designate, they will be exchanged from yen into a certain currency according to your accounts.


2021-04-01

For non-Japanese who contribute Japanese Pension (Kosei Nenkin / Kokumin Nenkin) AFTER APRIL 2021, maximum period of pension refunds (Lump-sum Withdrawal Payments) is extended up to 5 years (60 months).

For non-Japanese who end their contributions of Japanese Pension (Kosei Nenkin / Kokumin Nenkin) BEFORE APRIL 2021, maximum period of pension refunds (Lump-sum Withdrawal Payments) is 3 years (36 months), that is unchanged.

Note: Pension refund (Lump-sum Withdrawal Payments) can be claimed by non-Japanese who contribute Japanese Pension (Kosei Nenkin / Kokumin Nenkin) for more than 6 months AND less than 10 years (120 months).

For details please see this article:
https://www.youat-jp.com/pensiontopics_detail_e.php?id=13

Website of Japan Pension Service (Japanese):
https://www.nenkin.go.jp/service/jukyu/sonota-kyufu/dattai-ichiji/20150406.html




2020-04-01

To claim your pension refund (lump-sum withdrawal payments) and / or tax refund, you only have to send necessary forms and copy to our office with a postal service, either from inside Japan or outside Japan.
The guidance and the set of claiming forms will be sent to you using emails, so you don’t have to visit our office at all.

(YouAT LLC)


2017-06-14

(1) From August 2017 persons who have contributed Japanese pensions for 10 years or over will be granted a qualification of Japanese old age pension. After qualified, they won’t be allowed to claim a lump-sum pension refund (lump-sum withdrawal payments).
(2) Persons who once acquired Permanent Residency will be also granted a qualification of old age pension, if "oversea years (outside Japan) since age 20 to the period PR acquired" + "pension contribution years" get to 10 years or over.
(3) Please note that persons of (1) and (2) won’t be allowed to claim lump-sum pension refund after August 2017.


(1)2017年8月から、年金納付期間10年以上の方には老齢年金の受給権が与えられます。老齢年金の受給権を持つ方は、脱退一時金の申請はできません。
(2)また永住権を与えられたことがある方は、「20歳から永住権を認可されるまでに日本国外に居住していた期間(合算期間)」+「年金納付期間」が10年以上あれば老齢年金の受給権が与えられる予定です。
(3)これら(1)(2)の方は2017年8月以降は脱退一時金が申請できなくなる予定とされているので、注意してください。


(1)2017年8月起,年金缴纳10年以上的人都有领取老龄年金资格。有了老龄年金领取资格的,就不能申请退出补助金。
(2)拥有永住权的人,“从满20岁以后到拿到永住权以前住在日本以外的期间(加算期间)”+“缴纳年金期间”→有10年以上的话,有老龄年金领取资格。
(3)注意!符合上面(1)(2)条件的人,2017年8月以后就不能申请退出补助金!!


2017-06-01

YouAT LLC launches a new service as well as a new website.
It aims for old age person’s (over 60-65 years old) Japanese old age pension claiming.
Japanese old age pensions (Kokumin Nekin, Kosei Nenkin etc) can be claimed both Japanese citizens and non-Japanese citizens if they fill the conditions.
Since August 2017 pension contributors for over 10 years are entitled to claiming Japanese old age pensions.
But there is a difficulty for non-Japanese to claim Japanese old age pensions, so we give you our skilled service in this field too.
Please see our new website if you get interested.

www.65agepensionjapan.com


We will also give you our service for claiming lump-sum pension refunds (for short-period contributors) & tax refunds, of course.


YouATは、60代からの老齢年金の代理申請サービスを始めて、新しいサイトを開きます。
日本の老齢年金は、日本国籍者に限らず非日本国籍者でも基準を満たせば請求することができます。
2017年8月から、この基準が「納付年数10年以上」に短縮されて、申請できる範囲が大きく広がることになります。
ただ日本国外から申請すること、および日本語に通じていない方が申請することはハードルが高く、当社はそのためのサポートを行う用意があります。
興味のある方は、ぜひ当社の新サイトを訪れてください。

www.65agepensionjapan.com

なお、短期滞在者の脱退一時金と税金還付についても、当社は引き続きサービスを継続します。


我们YouAT开始,从60岁以上的老龄(养老)年金申请代办的新业务,同时作了新的网站。
日本的老龄(养老)年金,除了拥有日本国籍者以外,只要满足条件的非日本国籍者也可以申请。
2017年8月起,该条件的时间缩短了“年金缴纳期间10年以上”,也就是说能申请老龄(养老)年金的人会更多了。
考虑到你在国外申请有诸多的不便(日语,申请程序,手续等),为了能帮你尽快申请到老龄年金,我们提供老龄年金代办申请服务。
我们的新的网页。

www.65agepensionjapan.com


关于短期逗留日本的人士的脱退一时金以及税金退还代办服务,继续提供服务。


2016-11-16

Minimum period for a qualification to claim old age pension (after 65 years old) is to change from 25 to 10 years since Aug 2017.

老齢年金(65歳以降)の受給資格は、2017年8月以降、加入期間25年から10年となります。

老龄年金(65岁以上)的受领资格,从2017年8月起,加入期间从25年要缩短为10年。


2016-09-01

Japan has "International Social Security Agreement(社会保障協定, しゃかいほしょうきょうてい)" with foreign countries (See the table below)

People whose home countries have "International Social Security Agreements" with Japan are given "Elimination of Dual Coverage". "Elimination of Dual Coverage" is an agreement that prevents people from being enrolled in two countries’ pensions at the same time, and which of pension they are to be enrolled in is decided by conditions ruled by each of agreement.

And some "Agreements" can, according to their contents, give people "Totalization of Periods of Coverage". When "Totalization of Periods Coverage" is applied, people can totalize a period they contribute to Japan’s pension with a period they will contribute (or had contributed) to their home countries’ pensions, and vice versa (*).
(*) Please note that it doesn’t mean that Japan’s pension and other countries’ pensions will be paid at once. Totalizaion of Periods of Coverage can only allow contributors of Japan’s pension to get a qualification for receiving Japan’s old age pension, and they will receive old age pension from Japanese government if they claim it after age 65, according to their contribution to Japan’s pension system.

Contents of "Agreements" vary county by country. So please understand how "Agreement" of your home county is. But we show the list of countries that have "Agreement" with Japan and have "Totalization of Periods of Coverage" in them, as of August 2018.

International Social Security Agreements (As of September 2019)

(Made from a table in Japan Pension Service’s website)

Countries to have agreementsTotalization of Periods of Coverage
GermanyYes
United KingdomNo
South KoreaNo
USAYes
BelgiumYes
FranceYes
CanadaYes
AustraliaYes
NetherlandsYes
Czech RepublicYes
SpainYes
IrelandYes
BrazilYes
SwitzerlandYes
HungaryYes
IndiaYes
LuxemburgYes
PhilippinesYes
SlovakiaYes
People’s Republic of ChinaNo

Developments of agreements for countries other than above as of Sep. 2019 are as follows:

*Italy, Sweden and Finland have already signed social security agreement with Japan, but now are waiting for its implementation. When implemented, though, the agreement of Italy won’t cover above "Totalization of Periods of Coverage".

For details of agreements of each country, see this page.


2016-09-01

Since July 9, 2012 a new residency management system for foreigners (在留管理制度) has started.

Under the new system you foreigners are registered in the “Resident Registration (住民登録[jumin toroku, じゅうみんとうろく] in Japanese)” at the municipal office where each of you lives.

If you foreigners wish to claim your pension refunds (pension’s lump-sum withdrawal payments) after leaving Japan, then you must nullify your “Resident Registration”. To do so;

Please apply for “notification of moving-out (転出届[tenshutsu todoke, てんしゅつとどけ] in Japanese)” just before you leave Japan, to the municipal office you are registered in.

You can apply for it by yourself / through your public agent. If you leave Japan without applying for “notification”, though, you can apply for it from abroad by yourself / through your public agent too.

YouAT LLC has Sumida Masanori Labor and Social Security Attorney & Administrative Scrivener as one of its members, so we can be a public agent to apply for "notification" for foreigners legally. We can give you services to serve you as a public agent to apply for "notification", no matter how you still stay in Japan or have already left Japan. Basically we set its fee to 5,000 yen.


2012年7月9日から、新しい在留管理制度がスタートしました。
新しい制度では、外国人の皆さんもまた居住する市町村役所で住民登録されます。
もし外国人が帰国後に「年金の脱退一時金」を申請することを希望するならば、この住民登録を抹消する必要があります。したがって、
日本を出国する前に、住民登録された市町村役所に「転出届」を提出してください。

「転出届」の提出は本人が行うか、資格ある代理人が代理提出できます。もし「転出届」を提出せずに日本を出国したならば、外国からでも提出できます。やはり提出は本人が行うか、資格ある代理人が代理提出できます。

合同会社YouATは、「住田正則 社会保険労務士・行政書士」が社員であり、転出届の代理申請を行うことができます。日本に在住、または日本から出国した外国人の皆さんのために、当社が代理人として転出届を申請するオプションを提供いたします。手数料は、基本料金5,000円で代理いたします。


2012年7月9日开始的新的在留管理制度上,所有的外国人都要登记在日本的住民登录上。

要离开日本的时候,请在办理住民登录的市町村役所办理“転出届”。

如果不办“転出届”离开日本的朋友,在国外向办理住民登录的市町村役所提出“転出届”后可以申请脱退一时金。该手续是,本人、或者指定在日的代办人办理。

合同会社YouAT里有“社会保险劳务士・行政书士的住田正则老师”,可以代办“転出届”。 为了住在日本,或已经离开日本的外国朋友,我们公司提供代办転出届的选项服务,该服务的手续费为5000日元/基本费用。具体说明请查看下面的手续费部分。


 

Pension topics
2021-04-02
Table : How the amount of Pension Refund is calculated
2021-04-01
Maximum year for Pension Refund extended
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video
English video

Japanese pension (Nenkin) can claim for 10 years contribution.10年加入で厚生,国民年金は請求できます.

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Japanese Pension and Tax Refunds Q&A:YouAT LLC BLOG