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vallillo1983
Joined: 07 Apr 2005
Posts: 194
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 Posted: Sat Aug 19, 2006 9:35 pm Post subject: National health and pension insurance. |
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Hey guys, was wanting some advice, are national health insurance and pension insurance combined? so if i'm charged 33,000yen a month does that cover both? If I were planning on staying in Japan for a long time, lets say I retire and stay in Japan is it also worth getting private pension too? Also, my employer is not willing to put me on the national scheme, something to do with i wont work enough hours, can I join and make payments alone? Also, is it true that payments are low in the 1st year?
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Glenski
Joined: 15 Jan 2003
Posts: 12844
Location: Hokkaido, JAPAN
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| Posted: Sat Aug 19, 2006 10:32 pm Post subject: |
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I believe they are separate entities.
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| If I were planning on staying in Japan for a long time, lets say I retire and stay in Japan is it also worth getting private pension too? |
The more money coming in, the better. Don't know how you'd get a private pension.
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Also, my employer is not willing to put me on the national scheme, something to do with i wont work enough hours, can I join and make payments alone?
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I am assuming that you were hired presumably as a full-time worker, but that your employer is giving you 29.5 hours of classroom contact time or less. That is the current fad in shady but legal dealings here in order to avoid making copayments in health insurance. To many of us teachers, the job hours entail more than just how many minutes we sit in a classroom, and we should have those other minutes counted in our salary. Good luck in convincing your employer of this, though.
If you mean "join" a health insurance plan on your own, sure. By law you must have one anyway, even if your employer doesn't provide it. Work for a company full-time and he is obligated to copay for shakai kenko hoken, but if you work less than full-time (or completely on your own), then you get kokumin kenko hoken.
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| Also, is it true that payments are low in the 1st year? |
Payments are based on your previous year's salary in Japan. People here in their first year have no such record, so they are charged about 2500 yen/month. In the subsequent years, this goes up about tenfold, depending on various circumstances. |
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