Frequently Asked Questions (National Pension)

QuestionPlease tell me about the National Pension payment deferment system.

Response

If you are under 50 years old and have a low income that makes it difficult to pay the National Pension insurance premiums, you can apply for a deferment of the premium payment upon approval.

Eligible Individuals

The payment deferral system is available only to those under 50 years of age, and it is necessary that the previous year's income of both the applicant and the applicant's spouse meets certain criteria.

Approval Period

The approval period is from July (or the month corresponding to the first category insured person) to June of the following year. For those who turn 50 during the fiscal year, it will be until the month before they reach 50. The examination results will be notified later by the Japan Pension Service.

Relationship with Old Age Basic Pension

To receive the Old-Age Basic Pension, in principle, a payment period of insurance premiums of 10 years or more is required. However, periods for which a deferment of payment has been approved will be included in this 10-year qualification period for receiving the Old-Age Basic Pension. However, these periods will not be included in the calculation of the amount of the Old-Age Basic Pension.
(Note) To receive the full amount of the Old-Age Basic Pension, a payment period of insurance premiums of 40 years is required.
Therefore, in order to receive the full amount of the Old-Age Basic Pension in the future, there is a system that allows for the payment (back payment) of premiums for the deferment period up to 10 years in the past. (However, if you are making back payments for periods before the third year, a certain additional amount will be added to the premiums at that time.)

Relationship with Disability Basic Pension, etc.

In the event of unforeseen circumstances such as disability or death, to claim the Disability Basic Pension or the Survivor's Basic Pension, one of the following payment requirements must be met. However, the period during which approval for the payment deferment system is received will be considered as the applicable period for these requirements, so you can feel secure in case of an emergency.

1. On the day before the initial consultation date or the date of death, there must be at least two-thirds of the insured period for the month of the initial consultation date or the date of death, including the period of premium exemption.
2. If the date of the first visit or the date of death is before March 31, 2028, there must be no delinquency in insurance premiums for the year leading up to the day before the date of the first visit or the date of death, up to the month before the month of the first visit or the date of death.

Continuation Application

If you wish to apply in the following fiscal year and beyond, you can continue to receive examinations in the following fiscal year and beyond if your payment deferment is approved. However, those who were approved due to reasons such as unemployment or disaster will need to apply again in the following fiscal year and beyond.

Application Destination

Fuchu Pension Office, City Hall Insurance and Pension Division, Hirao Branch Office, Wakabadai Branch Office
Note: You can apply for a payment deferment electronically from the My Number Portal.

• Electronic Application for National Pension Procedures

Required items for application procedures

1. Identification documents (My Number Card, driver's license, etc.) and basic pension number notification or pension book, payment slips, etc.
2. If you have become unemployed, please provide one of the following documents: "Employment Insurance Insured Person's Separation Notice", "Employment Insurance Eligibility Notification or Employment Insurance Eligibility Certificate", "Employment Insurance Insured Person's Qualification Loss Confirmation Notice", "Employment Insurance Insured Person's Qualification Acquisition Notification Confirmation Inquiry Response"

Contact Information

Insurance and Pension Division Phone 042-378-2111 Extension 142, 143
Fuchu Pension Office
Postal Code 183-8505
Address 2-12-2 Fuchucho, Fuchu City
Phone 042-361-1011