What is the National Pension?

Japan's National Pension (Kokumin Nenkin) covers everyone aged 20 to 59, including students, freelancers, and unemployed people. It guarantees a minimum level of income in old age even if you are not employed by a company.

How much are the premiums?

Monthly contributions are fixed nationwide (around 16,000 to 17,000 JPY). Even if your income fluctuates, the contribution stays the same, but you can apply for exemptions or deferments when income is low.

Types of benefits

• Old-age basic pension: Paid from age 65 according to the number of months you contributed (480 months for the full amount).
• Disability basic pension: Provides income if a severe disability is certified while enrolled.
• Survivors' basic pension: Paid to dependent children and spouses when the insured person dies.

Payment methods and exemptions

You can pay via bank transfer, credit card, or at convenience stores. Exemptions reduce future benefits, but months under exemption still count partly toward eligibility. Missed months can only be paid retroactively for two years.

Key points

Submitting the paperwork promptly keeps you eligible for medical subsidies, maternity allowances, and future pension increases. Failure to pay may trigger reminders, late fees, or loss of benefits.