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Black_Beer_Man
Joined: 26 Mar 2013
Posts: 453
Location: Yokohama
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 Posted: Sun Aug 07, 2016 7:21 am Post subject: National Health Insurance a Bad Deal for Middle Aged Teacher |
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Teachers over 40 years old have to cough up more money in the national health insurance scheme to pay for nursing home insurance.
I was just thinking "What foreigners needs that?" I recon only those that are married to Japanese nationals and have kids here. These foreigners are more or less fully committed to living their lives in Japan.
The rest of us would probably rather return to our home countries and live in nursing homes there (close to family).
In this way, may of us are forced to pay for a program that we don't want or will never use.
Your thoughts on this? Thanks. |
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danshengou
Joined: 17 Feb 2016
Posts: 434
Location: A bizarre overcrowded hole
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| Posted: Sun Aug 07, 2016 12:52 pm Post subject: |
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| If it is not something you will ever benefit from, and you are stuck paying it, then it is nothing more than a pay cut. If you don't like it, well...you know where the airport is. |
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Black_Beer_Man
Joined: 26 Mar 2013
Posts: 453
Location: Yokohama
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| Posted: Sun Aug 07, 2016 2:08 pm Post subject: |
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| danshengou wrote: |
| If it is not something you will ever benefit from, and you are stuck paying it, then it is nothing more than a pay cut. If you don't like it, well...you know where the airport is. |
That's the way I see it too. |
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kzjohn
Joined: 30 Apr 2014
Posts: 277
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| Posted: Mon Aug 08, 2016 8:17 am Post subject: |
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Depending on location and the level of attention you need, nursing care in the states probably starts at $3k/month in the cheaper areas.
For my step-mom's nursing care (alzheimer's) my dad and her son were taking turns paying $4800/month. Double room, small town in north illinois.
So adjust your savings rate with that in mind.
Or have rich kids. |
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Maitoshi
Joined: 04 May 2014
Posts: 718
Location: 何処でも
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| Posted: Mon Aug 08, 2016 11:22 pm Post subject: |
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| Is a policy you must take, or an additional tax to cover current costs, with the promise to tax future generations and pay for you? |
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victory7
Joined: 22 Mar 2016
Posts: 68
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| Posted: Tue Aug 09, 2016 2:16 am Post subject: Re: National Health Insurance a Bad Deal for Middle Aged Tea |
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| Black_Beer_Man wrote: |
Teachers over 40 years old have to cough up more money in the national health insurance scheme to pay for nursing home insurance.
I was just thinking "What foreigners needs that?" I recon only those that are married to Japanese nationals and have kids here. These foreigners are more or less fully committed to living their lives in Japan.
The rest of us would probably rather return to our home countries and live in nursing homes there (close to family).
In this way, may of us are forced to pay for a program that we don't want or will never use.
Your thoughts on this? Thanks. |
How many years have you been in Japan? It's been that way for a long time. My first time in Japan I knew I was heavily subsidising the abundance of old people in my city. Once you hit 40 the national health insurance goes up and slugs you with extra charges.
I am not sure if I care as much as you do tho I understand why you're annoyed. The increased payments for middle aged people are a way to keep the system going. Foreign residents simply will not benefit from some things they pay for unless they are married to a Jp national. If you live in the countryside or some older urban areas, sometimes your neighbour will come around and ask you to pay a block association fee.
I'd say that's less value for your money than paying NHI at a higher rate. From my experience the people who benefit from the kumia (neighbourhood association) are Jp housewives and their kids who sometimes get free trips or whatever from your money. As a single foreigner you pay the same fee as a Jp family all living in the same place. Yep, it aint fair.
However, health insurance and taxes are part of the dues of living in a developed society. In my home country I am less happy about paying some dues as my country's sytem is a non contributory welfare system that encourages a significant proportion of people to never put away money or do anything to contribute to the benefits they will receive in the future. There are rafts of subsisidies in this system and that is why everybody else including very ordinary earners are paying high rates for just about everything.
The extra healthcare charges for middle aged people seem mild compared to that. |
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