Job Discussion Forums

Generasian X · Joined: 06 May 2003 Posts: 50

How much are Japanese Taxes and Social Insurance Costs generally?

Family of 2, ONE salary making 5,000,000 yen per year in Tokyo but, maybe living in Saitama-ken or Chiba-ken. What would you guest-i-mate would be NET salary.

PAULH · Joined: 28 Jan 2003 Posts: 4672 Location: Western Japan

My guess is about 4 million yen a year after taxes (national 5-7%, city taxes 5% and health insurance) or 330,000 yen a month before rent and utilities. Yolu dont say if you pay pension either.

For the sake of example I am in Kyoto have a non-working wife and 2 kids and monthly expenses come to about 450,000 yen a month- most of my take-home pay.

Generasian X · Joined: 06 May 2003 Posts: 50

Hmmm... I may have to pay pension as well...
So should I figure about 300,000 before rent et al...?
Thanks for ALL of your help PAULH!

PAULH · Joined: 28 Jan 2003 Posts: 4672 Location: Western Japan

Generasian X · Joined: 06 May 2003 Posts: 50

Thanks for your help! AGAIN and AGAIN!!!

Any idea what to do if a university wants to higher you,
but their insurance scheme doesn't cover your wife???
(I could be reading that wrong, in which case they do)

BUT IN THE OFF CHANCE THAT THEY DON'T
Is there a way to buy a medical/health insurance policy for her seperately through a private insurance company? Has anyone here ever taken out a policy with a private?

I have heard about AFLAC in Japan or AIU...any suggestions?

Is there a way for her to buy into the NATIONAL HEALTH INSURANCE/KOKUMIN KENKO HOKEN???

Gordon · Joined: 28 Jan 2003 Posts: 5309 Location: Japan

I can't imagine a university not covering the medical for your wife, unless it is common law. My university even pays a supplement for my wife and child and I think this is standard practice for universities.

PAULH · Joined: 28 Jan 2003 Posts: 4672 Location: Western Japan

Generation X

I am at a national university and have been paying into the national health for over 4 years. My whole family (wife and 2 kids) are covered under my health insurance policy. I believe their excess is higher when they go to the doctor but I think now everyone pays 30% when they go to the doctor.

I will be at a private university from April under a city or prefectural funded plan and I believe it just carries over under the existing system. As a dependent, your wife should come under your policy if you have national health insurance.

PAULH · Joined: 28 Jan 2003 Posts: 4672 Location: Western Japan

Just while I think of it- ask your school if you can teach outside classes. most universities let their full time contract teachers teach up to 3 classes or 1 day a week at another university on top of your full time schedule. Im doing that this year with 10 classes a week and 2 classes outside.