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Before getting the video started, we'd like to explain a new residency management system for foreigners and its effect to claiming your pension refunds.
Since July 9, 2012 a new residency management system for foreigners has started.
Under the new system you foreginers are reginstered in "Resident Registration" at the municipal office where each of you lives.
If you foreigners wish to claim your pension refunds (pension's lump-sum withdrawal payments) after leaving Japan, then you must nullify your Resident Registration. To do so;
Please apply for "Notification of moving-out" just before you leave Japan, to the municipal office you are registered in.
You can apply for it by yourself or through your public agent.
If you leave Japan without applying for "Notification", though, you can apply for it from abroad by yourself or through your public agent too.
For details, please see our pages in our website!
Now let's get our video started.
Hello everyone. This is Yueisya, Sumida Masanori Public Consultant Office.
Our office is entitled as a public consultant on social insurance and labor.
We can advise about Japan's pension affairs and execute pension claims on behalf of our clients.
My name is Oda Mitsuo. I am the business partner of Yueisya. I'm glad you watch this video.
Today I'd like to talk about one topic. It is that, we think, foreign people working in Japan should bear in mind.
You have worked in Japan, with getting temporary working visas.
So you will end your working period and leave Japan, in the future.
When you leave, please don't miss a chance. You will be able to receive a considerable refund.
Today I' d like you to know this refund.
Pension's Lump-sum Withdrawal Payment. Have you ever heard of it?
When I asked Japanese people whether or not they knew of it, they all replied they didn't know.
It's natural. This refund aims at only foreign people working in Japan.
Foreign people working in Japan are enrolled in Japan's pension.
Have you ever heard of "Kosei Nenkin"? This is Japanese employees' pension insurance system.
Foreign people working in Japan are also engaged in this Kosei Nenkin as long as they are employed in private companies.
Japan's pension system requires all adults to be enrolled in pension.
So after you get your job in Japan and start to work in the office, you are automatically enrolled in Kosei Nenkin.
This is a compulsory enrollment.
So "pension's lump-sum withdrawal payment" is set.
"Pension's lump-sum withdrawal payment" can refund foreigners' pension contributions they pay to Japan.
After you end the working period and leave Japan, you can claim it.
After half a year passes, you will be paid back in a lump-sum for your pension contribution of Japan.
It is a refund of what you contribute, and you have the right to receive. So we recommend you to claim it.
How much can you get if you claim this "lump-sum withdrawal payment"? Please look at the chart:
This is the calculation formula applied in 2011.
The chart shows the relation of pension contribution months and pension's lump-sum withdrawal payment.
Horizontal bar shows contribution months.
Vertical bar shows the sum of payment you get.
You can get the sum of multiplying "average standard remuneration" by "benefit multiplier".
Roughly speaking, "average standard remuneration" is the monthly average of your salaries and bonuses
you get while working in Japan. So it is probable that it becomes higher than your salary.
Multiplying "average standard remuneration" by "benefit multiplier", the sum of pension's lump-sum payment is decided.
As the chart shows, you can get 2.8 months' "average standard remuneration" at maximum.
As "Average standard remuneration" can be higher than your salary,
you will have a chance to get more than 2.8 months' salary at maximum.
Next, we tell you the three items that you must prepare to claim "pension's lump-sum payment".
Don't forget to prepare these three items, please.
The holder's name of the bank account must be yourself.
The name of your husband, your wife, your children, your parents, or any of your relatives, isn't permitted.
Any accounts in any countries are OK. But it must be the one that can receive money from Japan.
Accounts of internet-only banks should be avoided.
Next, passport. This is my own passport.
Open the cover, and there is a page that shows my photograph, my name, my citizenship, and my date of birth.
Firstly, please prepare a copy of this page. Secondly, there are pages that departure stamps are stamped.
You must prepare a copy of the page that contains the departure stamp of Japan's airport.
It must be the one when you leave Japan last.
Third and lastly, please prepare a copy of your working visas in Japan. But if you don't get a visa, then it isn't needed.
Lastly, pension handbook. This is pension handbook.
You must send it when you claim lump-sum withdrawal payment.
This reads "nenkin techo" in kanji.
Open it, and open it again, and on the page 3, you can read "kiso nenkin bango" also in kanji.
On the right side of kanji, there is a 10 digit number. This is "basic pension number".
Basic pension number is needed information to claim lump-sum withdrawal payment.
So please keep your pension handbook with you.
Some companies don't hand pension handbooks to employees, but hold them in companies' own hands.
So it would be better that you confirm the company whether or not they hold your pension handbook,
if you don't have it with you.
And if the company holds your pension handbook, then please get it back when you quit.
But some people might have lost pension handbooks after leaving Japan,
or other people might have missed to get back pension handbooks from the companies.
If you don't have a pension handbook, please consult us.
We will get a research of your information, if you designate us as your agent.
And we will make you claim your lump-sum withdrawal payment.
We must say that there are many difficulties when you claim it by yourselves only.
We'd like to explain what difficulties are.
Pension's lump-sum payment must be claimed to Japan after you leave Japan. So you must claim it from abroad.
You must make all the documents without any defects.
If there is a defect in your documents, then your documents are to be sent back into yours.
And you are forced to claim again from scratch.
Another difficulty to claim lump-sum withdrawal payment by yourself.
20% of it is income tax. So you will only receive 80% of it.
But this income tax can be refunded if you claim to tax office in Japan.
Through your claim to refund, in almost all cases the whole income tax can be paid back.
But Japanese law prohibits claiming to refund tax from outside Japan.
When you claim your lump-sum withdrawal payment, you have already left Japan and stayed outside Japan.
So you can't make this 20% income tax refund by yourself.
And the third difficulty to claim lump-sum withdrawal payment by yourself only.
Japanese public offices will hear you only in Japanese language.
To claim lump-sum withdrawal payment isn't an easy task.
You must make rather complex documents and you must claim through a long process,
if you wish to receive your payment fully and smoothly.
In this process you probably wish to know how your claim goes, and ask it to public offices in Japan.
But Japanese public offices only hear you in Japanese language.
Many foreigners aren't good at taking communication in Japanese language, I suppose.
They will have a great difficulty to know how their claims go,
and what was wrong with their claims if no money and no report comes to them for a long time.
So our office can carry out all the claim of foreigners' lump-sum withdrawal payments in Japan!
Our office carries out all the claim of foreigners' lump-sum withdrawal payments in Japan!
We examine documents before claiming!
Our examination will delete all the defects in your documents, so we make your claim succeed surely!
We refund 20% income tax! We can be your tax-agent in Japan.
Tax-agent can claim to refund your income tax, on behalf of you. We refund your 20% tax, and we will send it to you.
We deal with Japanese public offices as your agent! As your agent in Japan, we receive all the notices from public offices.
We quickly translate them and report you, and deal with them without delay.
After you send documents to us, you will only have to receive report from us.
We will do all in Japan to send your money into your account.
Our office carries out the claim of pension lump-sum payment after you leave Japan,
and surely and safely send your money into your bank account.
Our fee is well under 20% income tax. Our office can make your claim succeed surely and send your money safely.
Please contact our website!