#Japan #Tokyo #Insurance #Pension System #Employment Rights

Exploring the Pension Scheme for Primary Insured Individuals

In recent discussions surrounding retirement benefits, an intriguing opportunity presents itself for primary insured individuals under the Japanese pension system. This unique scheme allows eligible individuals to receive a pension without contributing any insurance premiums, which has sparked curiosity and inquiries among potential candidates.

Who Are the Eligible Primary Insured Individuals?

The third category of insured persons includes those whose spouses are employees or civil servants enrolled in the Employees' Pension Insurance program. To qualify, individuals must be under 60 years of age and generally have an annual income of 1.3 million yen or less. By meeting these criteria, they can secure future pension benefits without making any premium payments.

The Application Process

It's important to note that enrollment in this scheme does not occur automatically. It requires a formal application process through the spouse's employer. Missing this application means that individuals will be treated as unpaid, leading to a higher risk of reduced pension amounts in the future. Therefore, it is crucial to stay informed and adhere to application deadlines to avoid potential losses.

Understanding the Risks of Non-Application

Failure to correctly apply can result in being categorized as having unpaid contributions. This status poses significant risks, including reduced future benefits. The impact of ignoring the requirement can lead to severe financial implications upon retirement. Understanding the fine print of these benefits is vital for anyone potentially affected.

Upcoming Seminar: Your Questions Answered

To address these concerns, a seminar is scheduled on September 23, 2025. This session will occur from 12:00 PM to 1:00 PM at the headquarters of the Claire Human Resource Development Association, located at Kioicho, Chiyoda-ku, Tokyo. Participants can expect an in-depth explanation of the third category of insured individuals and insight into why pensions can be accessed without premiums.

Key Questions:

• - What exactly is the third category of insured persons?
• - Why can one receive a pension without any premiums?
• - What criteria must be met to qualify, and who would not be eligible?
• - What are the consequences of failing to declare eligibility?
• - How much could pension amounts decrease if neglected?

Expert Speaker Introduction

The seminar will feature Jun Ono, a certified social insurance and labor consultant. He has delivered over 400 training sessions on harassment and labor issues at companies and educational institutions. Renowned for his hands-on approach to integrating legal knowledge into practical settings, his sessions are informative and engaging. Additionally, he oversees and instructs the Employment Clean Planner qualification, ensuring that participants gain actionable insights.

The Claire Human Resource Development Association

Established in 2023 as a group company of SA Co., Ltd., the Claire Human Resource Development Association specializes in qualifications and training related to employment, labor, and harassment prevention. With an emphasis on protecting workers and their families through its