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Get back pension from japan geverment

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Get back pension from japan geverment

Are you paying into a Japanese pension scheme? Planning not to be in Japan when its time to claim it?

Did you know that foreign nationals that have paid into a National Pension scheme (国民年金), the Employees’ Pension Insurance (厚生年金), or Kyosai Kumiai (共済組合), can receive a lump sum pension refund, known as the “Lump-sum Withdrawal Payment” (dattai ichijikin / 脱退一時金), if they apply within 2 years of leaving Japan?

Who can apply?
There are 5 conditions that need to be met.

1) Applicants should not be possession of Japanese citizenship.
2) Applicants have directly paid National Pension Insurance contributions as an insured person for a total of six months or more (there are some exceptions), or have paid Employees’ Pension Insurance contributions for six months or more.
3) Applicants should not have a place of residence in Japan.
4) Applicants have not applied for receipt of pension benefits before (including Disability Allowance).
5) Applications must be made within 2 years of departure from Japan, and can only be made from outside of Japan.

How Much Can I Get Back?
Refunds will vary according to the type of scheme paid into and the length of time the applicant has paid pension premiums.
A detailed explanation of how the refund is calculated (it is quite complicated) is available in a PDF format on the Japan Pension Service website at this page in English, Chinese (simple), Korean, Portuguese, Spanish, Indonesian, Filipino, Thai and Vietnamese.

■Category 1
– National Pension Contributors (国民年金 / kokumin nenkin)
Self-employed people, workers in agriculture, forestry and marine industries.

The refund is based on:
1) The length of time (in months) the applicant has been paying into the National Pension Scheme.
2) The month when the last contribution was made.

In this case the lump-sum withdrawal payment is not subject to withholding income tax.

■Example Calculation
A person who has been insured for a 30 months (2.5 years) under the National Pension Scheme and made their last contribution between April 2007 and March 2008 will receive a Lump-sum Withdrawal Payment of 211,500 Yen.

■Category 2
– Employee’s Pension Insurance Plan contributors (厚生年金 / kosei nenkin)
Salaried workers whose employer is registered in the Employees Pension organization, and public servants. If the employer is not registered, the employee would be regarded as a Category 1 contributor.

Refunds are calculated by multiplying the average monthly standard earnings by a pre-determined rate.
The pre-determined rate is based on:
1) The length of time (in months) the applicant has been paying into the National Pension Scheme.
2) The month when the last contribution was made.

In this case the lump-sum withdrawal payment is subject to a 20% withholding income tax.
■Example Calculation
A person who has been insured for 30 months (2.5 years) under the Employee’s Pension Insurance Scheme, received monthly earnings of 400,000 Yen, and made their contribution to the Employee’s Pension Insurance Scheme between September 2005 and August 2006 (this period has a pre-determined rate of 2.1) – will receive a Lump-sum Withdrawal Payment of 840,000 Yen.


■Claiming Tax Back

For Category 2 insured persons, 20% income tax is imposed on the lump-sum payment, but if preparations are made ahead of time, the 20% income tax can be claimed back.

1) Before leaving Japan, get a form called the “nozeikanrinin no todokedesho (gaikokujin-yo)” (納税管理人の届出書[外国人用]); it’s a declaration naming someone as your tax representative in Japan. Submit the form to your local tax office (in the jurisdiction where your residence is located). Your tax representative must be a resident of Japan.

2) Apply for the pension refund. Once you have received it, send an original (not a copy) of the payment confirmation letter (shikyu kettei tsuuchisho / 支給決定通知書) to your tax representative in Japan.

3) Designate a bank account for the tax refund & apply. Have your tax representative go to the same tax office as before and file a kakutei shinkokusho (確定申告書) on your behalf. The refund will be deposited into your tax representative’s bank account (the one that you designated at the time of filing). Your representative will then transfer the money to you.

4) The application must be made within 5 years after leaving Japan. You may file for the pension tax refund as soon as you receive your Lump-sum Withdrawal Payment receipt. You do not need to wait until January 1st of the following year in order to file as with other tax refunds.

Documents to Submit
1) Lump-sum Withdrawal Payment Claim Form (for National Pension and Employees’ Pension Insurance) (脱退一時金裁定請求書[国民年金/厚生年金保険]).
2) Passport photocopy – showing date of your final departure from Japan, your name, date of birth, nationality, signature and resident status.
3) “Bank’s Name”, “Branch Name”, “Branch Address”, “Account Number” and “Holder’s Name” (must be the applicant)
4) Pension handbook (nenkin-techo / 年金手帳).

Make a note of your Basic Pension Number before sending off your application as it will be needed if you need to make future inquires.

■Application Forms
You can obtain a Lump-sum Withdrawal Payment Claim Form (for National Pension and Employees’ Pension Insurance) (脱退一時金裁定請求書[国民年金/厚生年金保険])from the Health Insurance and Pension Division (保険年金課) of your local ward office. You can also download one (in English, Simple Chinese, Korean, Portuguese, Spanish, or Indonesian) from the Japan Pension Service website.

■Where Do I Send My Application?
Social insurance Operation Center, Takaido-nishi 3-5-24,Suginami-ku,Tokyo 168-8505
〒168-8505 東京都杉並区高井戸西3丁目4番24 号 社会保険業務センター
Tel: 03-6700-1165 (in Japanese only)


International Social Security Agreements
Before you rush off to apply, remember that your Japanese pension may count towards your pension back home!
To receive pension benefits when you retire, many countries require that you be enrolled for a certain period; in Japan it is 25 years.

There are several countries that have international social security agreements with Japan. These include (as of June 2009) Germany, the UK, Korea, the US, Belgium, France, Canada, Australia, the Netherlands and the Czech Republic; agreements with Spain, Italy, & Ireland will be implemented in the near future.

Under some social security agreements, you are allowed to combine the enrollment periods of both countries’ systems to qualify to receive benefits. However, if you receive the Lump-sum Withdrawal Payment, the period corresponding to the paid amount cannot be counted towards your total enrollment period. The terms of each agreement are different.

More details can be found on the Japan Pension Service website.

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