Y’s Tips Channel
このチャンネルは、日本に住む外国人のために日本の暮らしに必要な情報を英語で提供します。
#09 Pension exemption （年金保険料免除制度について）
Today, I’d like to talk about the pension exemption. This is a something you can apply for if you face an emergency.
今回はみなさんに年金保険料の免除についてお話します。これは保険料の支払いが困難になった場合に申請できる制度です。
As I told you in the previous video, in order to receive the old age pension you have to pay the social insurance premiums at least 10 years from age of 20 to age of 60. So the 10 years is a minimum requirement for you to claim for the old age pension to the Japanese government when you become age of 65.
以前の動画でもご説明した通り、老齢年金を受給するためには２０歳から６０歳までの間で少なくとも１０年以上保険料を支払う必要があります。いわば１０年はあたなが６５歳になった時に、日本国に老齢年金を支給できる最低条件です。
The amount of pension increases as the length payment gets longer. The maximum amount of old age national pension is about 800,000 yen per year. So if you want to receive the maximum amount of pension you have to pay the premiums for 40 years. Then you can calculate that 800.000 yen divided by 40 years equal to20,000 yen that means you can pile up twenty thousand yen for one year payment.
老齢年金の額は、保険料を支払った年数に比例して増えます。老齢基礎年金の最高額は約８０万円です。最高額を受け取るためには４０年保険料を支払う必要があります。従って、８０万円÷４０年＝２万円となり、１年間保険料を支払うことによって将来の老齢基礎年金２万円を増やせる計算になります。
This is the formula twenty thousand yen times year so you can calculate how much your old age national pension is by using this formula. So paying the premium is very important to increase the amount of pension.
公式「２０，０００円ｘ保険料支払い年数」で、あなたの将来の老齢基礎年金の金額を計算することができます。年金保険料を支払うことは、年金額を支払うためにとても重要です。
But during those 40 years you may face a difficult situation to pay the premiums. But even though you are under such a difficult situation I strongly recommend you to not stop the payment but apply for the pension exemption instead. Because if you skip the payment for one year that means the amount of your old age national pension will be 20 000 yen less every year. But if you apply for pension exemption you can have a half amount of pension in your future.
しかし４０年もの長い年月の中、保険料の支払いが困難になることもあるでしょう。でもそんな時であっても、保険料の支払いをやめないでください。そんな時は免除の申請をしましょう。なぜならば、保険料の支払いを１年止めるということは、将来の年金が２万円すくなくなるということです。でも免除の申請をすれば、半分の年金額は受け取ることができます。
This picture shows you how much you can pile up for the annual pension depending on the payment. If you make a full amount of payment for one year you can pile up 20,000 yen for the annual pension. If you apply for the pension exemption for one year, you can still pile up 10,000 yen for annual pension. If you don’t make a payment for one year you can have nothing.
この図はいかにみなさんの年金が積みあがるかを示したものです。１年保険料を支払うと将来の年金が２０，０００円積み増しされます。１年免除を受けられると将来の年金が１０，０００円積み増しされます。もし支払いを怠ると（未納）なにも受けられません。
The reason why you can have a half amount of pension when you apply for the pension exemption is that the national pension resources are consist of two types of incomes one is consumption tax then another one is premiums. If you apply for pension exemption you don’t have to pay the premiums but you pay the consumption tax by the daily life. For example whenever you go shopping the consumption tax is automatically added on the prices that is a reason why you can still have a half amount of pension in the future if you apply for the pension exemption.
なぜ免除だと将来の年金が半額受け取れるのかというと、年金財源が保険料と消費税で成り立っているからです。免除を受けると保険料の支払いは生じませんが、消費税は普段の生活で支払っています。その消費税分は将来受け取れるという訳です。
As some of my clients have regretted not paying the premiums. They just didn’t know what would happen later. So they asked me quite often can I make a later payment? The answer is yes but the payment period ends in two years so if you are aware of that too late you can’t make a later payment.
私のお客様の中には、過去の未納を後悔されている方もいます。彼らは単に未納により将来どうなるかを知らなかったからです。良く「後から保険料を支払いすることができますか？」と聞かれますが、追納は２年が期限なので気づくのが遅いと支払いができません。
Also the person who applied for pension exemption asked me a quite often whether they can make a later payment or not. The answer is of course yes. Also the period of the payment is within 10 years. So that they can increase their amount of pension. So there is a big differences between the unpaid and the pension exemption. I hope you can find my information is useful.
また過去免除を受けた方からも、後払いが可能かと聞かれます。免除の場合の追納は１０年間可能です。後払いをすることで将来の年金額を増やすことができます。このように未納と免除では大きな違いあります。
今回の動画がお役に立てれば幸いです。