National Pension Exemption
- Japanese
- 国民年金免除
An insured person can apply for an exemption if it is difficult for them to pay an insurance premium.
The period that exemption or payment postponement is approved is considered as valid coverage periods. For calculating your future pension benefit, exemption periods will be half compared to when you pay full amount and payment postponement periods are not included in the amount of your pension. You need to pay insurance premiums that are exempt or postponed afterward to increase the amount of your benefit.
Eligible People
Insurance premium exemption/payment deferment approval standard (income standard)
The previous year's income has to be under the amount that is calculated using the below equation.
Full exemption
(Number of dependent family members +1) × 350,000 yen + 320,000 yen
3/4 exemption
880,000 yen + deduction for dependent family + deduction for social insurance premiums, etc.
1/2 exemption
1.68 million yen + deduction for dependent family + deduction for social insurance premiums, etc.
Contribution Postponement System
(Number of dependent family members +1) × 350,000 yen + 320,000 yen
The above "deductions for dependent family" and "deductions for social insurance premiums" can be confirmed with the withholding slip -S17 and with an Income Taxation Certificate -S4.
Special exemption cases for those who lose their job
If you lose your job or close your business, you may be exempted or deferred. A copy of the Qualified Recipient Certificate -S25 or Separation Notice -S20 is required.
Exemption for childbirth
The national pension premium is exempted for 4 months from the month before the due date of delivery or the month of actually giving birth (hereinafter referred to as the "prenatal and postnatal period"). In the case of multiple pregnancies, the national pension premium is exempted for 6 months from 3 months before the due date of delivery or the month to which the mother gives birth to the children. This exemption period is considered as eligible to have insurance premiums paid, from 6 months before the due date of delivery. You can apply for this even after giving birth.
Links of Keywords
Application
Exemption application
Process the application via your municipality
- Residence card
- Pension book or notification of basic pension number
- Application Form regarding income (in case you haven't done tax rerturn)
- Copy of Qualified Recipient Certificate or Separation Notice ( when you apply because you were insured of employment insurance and apply by losing job)
- Maternal and Child Health Handbook if you apply because of Childbirth exemption (You don't need it if your town can check without the paper)
- Documents that can confirm the closure of the business registration or the closure of the company registration to the tax office for those who have notified the business to be closed or suspended.