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Didn't pay pension at all

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  • Didn't pay pension at all

    I worked for my previous employer for two and a half years and didn't pay anything towards my Japanese pension (I sent money home to UK periodically to pay into the national pension system there). My employer informed me it was all ok, because even though my contract is for one company, the company had four separate schools (eikaiwas) and I recieved separate paychecks from each, so I was below the pension threshold for each school or something (unfortunately I never did completely understand the scheme). I'm pretty sure it was all above board and legal, and my employer just used a kind of loophole to get me out of paying pension money. But I'm just wondering, is paying into the natinal pension compulsory? Does the above scheme sound above board?

  • #2
    Originally posted by coffeaddict View Post
    I worked for my previous employer for two and a half years and didn't pay anything towards my Japanese pension (I sent money home to UK periodically to pay into the national pension system there). My employer informed me it was all ok, because even though my contract is for one company, the company had four separate schools (eikaiwas) and I recieved separate paychecks from each, so I was below the pension threshold for each school or something (unfortunately I never did completely understand the scheme). I'm pretty sure it was all above board and legal, and my employer just used a kind of loophole to get me out of paying pension money. But I'm just wondering, is paying into the natinal pension compulsory? Does the above scheme sound above board?
    You'll be doing 10 to 20 at your nearest detention center, followed by deportation.

    Grimly,
    A.

    Comment


    • #3
      Originally posted by Agitator View Post
      You'll be doing 10 to 20 at your nearest detention center, followed by deportation.

      Grimly,
      A.
      Ummm... thanks. I'm not sure what to make of your reply.

      Comment


      • #4
        Yes, is it compulsory, although you are probably going to hear from some posters that they ignore this legal obligation and that "many Japanese do, too". The fact is, it's required.

        Your employer is just weaseling out of his own legal obligation to offer shakai hoken (assuming he has a certain minimum number of FT employees). His description of the reason you "don't have to pay" is bogus and shameful for any Japanese employer, but he's just trying to save himself money (copayments). I don't know if his reasoning is legal, but I suspect not. Ask your ward office, but a bigger question arises:

        If you didn't honestly have to pay shakai hoken, why didn't you get kokumin kenko hoken (national health insurance) and kokumin nenkin (pension)? Your ward office might tell you to pay up the previous 2 years worth of money.

        Comment


        • #5
          Don't ask. Don't tell.

          Comment


          • #6
            Originally posted by Glenski View Post
            Yes, is it compulsory, although you are probably going to hear from some posters that they ignore this legal obligation and that "many Japanese do, too". The fact is, it's required.

            Your employer is just weaseling out of his own legal obligation to offer shakai hoken (assuming he has a certain minimum number of FT employees). His description of the reason you "don't have to pay" is bogus and shameful for any Japanese employer, but he's just trying to save himself money (copayments). I don't know if his reasoning is legal, but I suspect not. Ask your ward office, but a bigger question arises:

            If you didn't honestly have to pay shakai hoken, why didn't you get kokumin kenko hoken (national health insurance) and kokumin nenkin (pension)? Your ward office might tell you to pay up the previous 2 years worth of money.
            OP,
            Glenski is correct about making up back payments. If you are not planning on being here for very much longer, best to stay under the radar. If you expect to be here for a while, ouch, you ought to have made payments. You could confirm how much was removed from your gross pay per month and find out whether you were ripped off or not. Your former employer is scamming the system. I wish I knew who he was. Many of us are not too keen on bearing the burden of those who ought to be paying their own way!

            Comment


            • #7
              Originally posted by coffeaddict View Post
              I worked for my previous employer for two and a half years and didn't pay anything towards my Japanese pension (I sent money home to UK periodically to pay into the national pension system there). My employer informed me it was all ok, because even though my contract is for one company, the company had four separate schools (eikaiwas) and I recieved separate paychecks from each, so I was below the pension threshold for each school or something (unfortunately I never did completely understand the scheme). I'm pretty sure it was all above board and legal, and my employer just used a kind of loophole to get me out of paying pension money. But I'm just wondering, is paying into the natinal pension compulsory? Does the above scheme sound above board?
              If you are paying into the UK system and have been in Japan for less than 5 years, I don't think you also have to pay into the Japanese system - there is a reciprocal agreement between the UK and Japan so that British and Japanese people in each other's countries are not expected to pay into both systems. Go to the DHSS website and do a search through their booklets and you should be able to find it. Make sure you keep all records of payments into the UK system in case you are ever asked. If you have been here longer than 5 years, as I have, I'd go for the 'don't ask, don't tell' approach.

              Comment


              • #8
                Originally posted by cucashopboy View Post
                If you are paying into the UK system and have been in Japan for less than 5 years, I don't think you also have to pay into the Japanese system - there is a reciprocal agreement between the UK and Japan so that British and Japanese people in each other's countries are not expected to pay into both systems. Go to the DHSS website and do a search through their booklets and you should be able to find it.
                It's not quite that cut and dried, unfortunately. The reciprocal agreement only applies to "detached" workers -- i.e. those on a temporary transfer from a UK company to a Japanese office (e.g. intra-company transferee). It can also apply to self-employed.

                http://www.hmrc.gov.uk/nic/japan.htm

                Comment


                • #9
                  Originally posted by Super Grover View Post
                  Many of us are not too keen on bearing the burden of those who ought to be paying their own way!
                  It's not much of a burden when people who don't pay into the program get nothing out.

                  Comment


                  • #10
                    Originally posted by hml View Post
                    It's not much of a burden when people who don't pay into the program get nothing out.
                    They get.....

                    The satisfaction of knowing that they have scammed the system, and they have not contributed to the insurance program that supports the society. And of course knowing that they are criminals….

                    Comment


                    • #11
                      Originally posted by TJrandom View Post
                      They get.....

                      The satisfaction of knowing that they have scammed the system, and they have not contributed to the insurance program that supports the society. And of course knowing that they are criminals….
                      They get....

                      The satisfaction of knowing they have won the game that it is, and have escaped the socialistic redistribution of wealth - mostly used to fund golden parachutes. It is a product for sale - nothing more, and this is supposed to be a free market.

                      Comment


                      • #12
                        Originally posted by hml View Post
                        It's not much of a burden when people who don't pay into the program get nothing out.
                        If they are foreigners who are living here for a short time, then I agree with you. It is unlikely that they will use the system. But everyone should pay into the healthcare system or have private insurance. The second part is that the employer is scamming the system and, as a Japanese, he is using it and expects to in the future. I am paying for him. That really bites.

                        I do agree about the pension scheme being a kind of ponzi scheme. I do not like paying.

                        Comment


                        • #13
                          Originally posted by Super Grover View Post
                          If they are foreigners who are living here for a short time, then I agree with you. It is unlikely that they will use the system. But everyone should pay into the healthcare system or have private insurance. The second part is that the employer is scamming the system and, as a Japanese, he is using it and expects to in the future. I am paying for him. That really bites.

                          I do agree about the pension scheme being a kind of ponzi scheme. I do not like paying.
                          Even if they are long-timers, they will not use the system if they do not pay into it. Payouts are based on how long and how much you paid into it.

                          I will never apply for it, and therefore, never be a burden to those who did.

                          Comment


                          • #14
                            Originally posted by hml View Post
                            They get....

                            The satisfaction of knowing they have won the game that it is, and have escaped the socialistic redistribution of wealth - mostly used to fund golden parachutes. It is a product for sale - nothing more, and this is supposed to be a free market.
                            Socialistic redistribution of wealth brings us all many good things, such as - roads, water systems, universities, police, ambulance services, libraries, parks, hospitals, and hundreds more.... Oh, and a public pension system too - which also funds disabilities programs, children services for those who have lost parents, etc., etc. - but which definitely does not fund golden parachutes.

                            I am continually amazed that the excuses which are used to justify breaking the law for petty personal gain - are all really the same: blame the victim, avoid taking personal responsibility, and shift the focus if possible.

                            Comment


                            • #15
                              Originally posted by TJrandom View Post
                              Socialistic redistribution of wealth brings us all many good things, such as - roads, water systems, universities, police, ambulance services, libraries, parks, hospitals, and hundreds more.... Oh, and a public pension system too - which also funds disabilities programs, children services for those who have lost parents, etc., etc. - but which definitely does not fund golden parachutes.

                              I am continually amazed that the excuses which are used to justify breaking the law for petty personal gain - are all really the same: blame the victim, avoid taking personal responsibility, and shift the focus if possible.
                              I pay taxes for those things. If I drive a car, I pay road tax. I pay gasoline tax.

                              I pay for water and sewage.

                              If I go to school, I pay tuition.

                              I am continually amazed at the excuses which are used to justify taking my money to pay for another person's lack of effort to provide for their own living.

                              Comment

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