Social and Labor Insurance

• Social and Labor Insurance Filings
• Japanese Social Security System 
• Health Insurance 
• Pension Insurance 
• Worker's Accident Compensation Insurance
• Employment Insurance 
• Insurance premiums   
• Table of Social Insurance Premium 

Social and Labor Insurance Filings

Social and labor insurance procedures can be complicated and cumbersome in Japan. We handle the paperwork to get your insurance filings processed smoothly. Let IHRP take care of all your insurance applications, including management work compensation insurance (rousai hoken tokubetsu kanyu) and foreign worker pension insurance lump sum payouts (kousei nenkin hoken dattai ichijikin). 

Japanese Social Security System

There are four kinds of Social/Labor insurance system applicable to workers, Health Insurance, Pension Insurance, Workers’ Accident Compensation Insurance and Employment Insurance. In principle, these systems apply to foreign workers, too. The companies and the workers who meet the certain criteria are legally obliged to enroll in them.    

Health Insurance

With the purpose of giving stability to the lives of workers and their dependent family members, Health Insurance pays both medical expenses when the insured or his(her) dependent is injured or becomes sick non-occupationally and allowance for giving birth to a child or death. 

• Medical Care : 70% coverage of medical treatment fee for the insured workers and their dependents
• High-Cost Medical Care : Reimbursement of the excess over the limit
• Sickness and Injury Allowance: Paid when the insured is off work by sickness or injury  and when the salary is not paid.
• Maternity allowances: Approximately 2/3(66%) of the salary is paid to the insured workers during the maternity leave when the salary is not paid.
• Lump-sum allowance for child birth and nursing is paid to the insured workers or dependents who give birth to a baby.

Applicable workers: Full-time workers and part-time workers whose working hours are not less than 75% of full-time workers.  

Pension Insurance

In order to give stability to the lives of workers and bereaved families, Pension Insurance pays benefits when workers become old, disabled, or die.

• Old-age Employees’ Pension for age 60-64
• Pension after age 65
• Disability Employees’ Pension
• Survivors’ Employees’ Pension

• Lump-sum Withdrawal Payments:   Foreign nationals can claim the lump-sum withdrawal payment after leaving Japan if they have at least 6 months contributions under the Japanese Pension Insurance.
• International Social Security Agreement : Japan has International Social Security Agreement with Germany, UK, Korea, US, Belgium, France, Canada　Australia　Netherlands and Czech Republic and is under preparation for going into effect with Spain and Italy. Under the Agreement, dual social security coverage and paying premiums (or taxes) are eliminated for both expatriate workers and their employers.