国民年金     

National Pension

国民年金からの老齢年金を老齢基礎年金といいます。20歳から60歳までの40年間、全ての期間に保険料を納めた人は、今年度で満額780100円の老齢基礎年金が支給されます。保険料納付済期間とは、第一号被保険者期間のうち保険料を納めた期間、第二号被保険者期間のうち20歳以上60歳未満の期間、第三号被保険者期間を合計した期間です。保険料免除期間があり、法定免除、申請免除、学生納付特例制度、納付猶予制度の4種類があります。合算対象期間があり、老齢基礎年金の年金額の計算には参入されませんが、受給資格期間には入れることができます。例えば、第二号被保険者期間のうち20歳未満、60歳以後の期間です。もし、20歳から60歳までの40年間に保険料未納期間などがあると、それらの期間は老齢基礎年季額に反映されません。年金額はその期間分減額され少なくなります。 老齢基礎年金は、原則として65歳から支給されますが、60歳以上65歳未満の者は、それよりも前に繰り上げ支給の請求ができます。この場合、一定の割合より減額された年金を一生涯うけとることになります。繰上げ月数に0.5%を乗じた額が減額されます。逆に、66歳になる前に老齢基礎年金の支給を請求していなければ、66歳以降に繰り下げ支給の申し出ができます。この場合、一定の割合により増額された年金を一生涯受け取ることになります。繰下げ月数に0.7%を乗じた額が増額されます。 付加年金は老齢基礎年金の上乗せ年金として支給されます。付加保険料を納付できるのは、国民年金の第一号被保険者と65歳未満の任意加入被保険者だけです。付加保険料は月額400円です。付加年金額は付加保険料納付済月数に200円を乗じた金額です。

The old age pension from the national pension is called the old age basic pension. For 40 years between the ages of 20 and 60 they must pay insurance premiums for all periods of the year. An old-age basic pension of 780100 yen will be paid. The period in which insurance premiums have been paid is the period during which the insurance premiums were paid during the first insured period, the period of the second insured person period, between 20 and 60 years of age, the period of the total insured period of the third insured person. There are four types of insurance premium exemption period: statutory exemption, application exemption, student payment special system, and payment grace system. There is a combined period, but it does not enter the calculation of the annual amount of the old age basic pension, but it can be included in the eligibility period. For example, the second insured period is less than 20 years of age and60 years of age. If you have a 40-year-old premium due time between the ages of 20 and 60, those periods are not reflected in the age basic year amount. The annual amount will be reduced by that period. In principle, the old age basic pension is paid from the age of 65, but those between the ages of 60 and 65, you can request advance payment before that. In this case, you will receive a pension that has been reduced from a certain percentage for the rest of your life. The amount multiplied by 0.5% in the number of months raised will be reduced. Conversely, if you do not request the payment of the old age basic pension before you turn 66, you can apply for a deferred payment after the age of 66. In this case, you will receive an additional pension by a certain percentage for the rest of your life. The amount multiplied by 0.7% for the number of months to be deferred will be increased. Additional pensions are paid as an additional pension for the old age basic pension. Only the first insured person of the National Pension and the voluntary enrollee under 65 years of age can pay the additional insurance premiums. The additional premium is 400 yen per month. The additional annual amount is the amount of the additional insurance premium paid by 200 yen.

公的保険制度とは

PUBLIC INSURANCE SYSTEM

日本国内に住所のある人は、いずれかの公的医療保険に加入しなければなりません。民間の事業所に努めている授業員とその家族は健康保険、自営業者やその家族などは国民健康保険、75歳以上の者は原則として後期高齢者医療制度に加入します。 健康保険では、一定の事業者の従業員(被保険者)とその家族(被扶養者)の業務外の事由による疾病、負傷、出産、死亡などについての保険給付が行われます。被保険者の業務上と通勤途上の事由によるものは労災保険から保険給付が行われます。被扶養者には保険料の負担はありません。被扶養者と認定されるには年収が130万円未満(60歳以上または一定の障害者は180万円未満)で、かつ被保険者の年収の半分未満であることが必要です。2017年10月より、大企業の短時間労働者は年収106万以上の場合、勤務先の健康保険の被保険者となり年収130万円未満でも被扶養者になりません。全国健康保険協会管掌健康保険(協会けんぽ)に加入している場合保険料は、都道府県ごとに保険料率が設定され労使折半となります。標準報酬月額および標準賞与額に同じ保険料を乗じて計算されます。医療を受けた場合は療養の給付家族療養費として保険給付がありますが、一部負担をします。義務教育就学前の子は2割、70歳未満は3割、70歳以上75歳未満は2割をそれぞれ負担します。同一月の一部負担金が一定額を超えた場合、超えた分について高額療養費が支給されます。他にも傷病手当金、出産手当金、出産育児一時金、家族出産育児一時金といった保険給付が受けられます。 市区町村に住所があり、職域保険(健康保険など)の被保険者と被扶養者や生活保護を受けている世帯を除き、国民健康保険に加入しなければなりません。健康保険とは異なり、業務上か否かにかかわらず保険給付が行われます。療養の給付の一部負担割合、高額療養費、出産育児一時金などは健康保険と同様です。 国民健康保険は医療分保険料(74歳以下の医療費に当てる分)、支援金分保険料(後期高齢者医療制度の加入者の医療費に充てる分)、及び介護分保険料(介護費に充てる分、40歳から64歳の方が対象)で構成されています。さらに、それぞれについて、所得割額(国保加入者全員の前年の所得から算出)、均等割額(加入者数に応じる)、平等割額(一世帯あたりにかかる)により構成されています。 令和元年度を例にとると、札幌市在住の人は次の額面を合算した金額が1年分の医療分保険料になります。前年の所得から33万円を差し引いた金額に9.78%を乗じた所得割額。18120円に加入者数を乗じた均等割額(人数割額)。平等割額(世帯割額)である33010円です。所得とは給与所得(給与収入-給与所得控除)、年金所得(公的年金等収入-公的年金等控除)、事業所得(事業収入-必要経費)などの合計で、社会保険料控除や扶養控除などの各種所得控除前の金額です。支援金分保険料は、所得割額として前年の所得から33万円を差し引いた金額に2.97%を乗じた金額、均等割額として5530円に加入者数を乗じます。平等割額として10070円を乗じた金額の合算です。介護保険料は所得割額として前年所得から33万円を差し引いた金額に2.56%を乗じた金額、均等割額として5310円に加入者数を乗じた金額、平等割額として7440円の合算です。 75歳になると誰もがそれまで加入していた健康保険からは脱退して後期高齢者医療制度に加入しなければなりません。

If you have an address in Japan, you must have one of the public health insurance. In principle, employees and their families working at private offices are enrolled in health insurance, self-employed people and their families are as well individually enrolled in the Health Insurance System, the elderly at the age of 70 more enrolled in Late elderly care system Health insurance provides insurance benefits for illness, injury, childbirth, death, etc. due to reasons outside the work of employees (insured persons) and their families (dependents) of certain business operators. Insurance benefits are provided from workers’ compensation insurance for reasons on the business and on the way to work of the insured person. Dependents are not covered by insurance premiums. To be recognized as a dependent, the annual income is less than 1.3 million yen (180 million for the people over 60 years of age or a certain disability), and less than half of the insured person’s annual income. Starting in October 2017, if the number of part-time workers of large companies has an annual income of 10.6 million or more, you will not be a dependent even if you become an insured person of your employer’s health insurance and earn less than 1.3 million yen a year. If you are enrolled in health insurance (Association Kenpo) of the National Health Insurance Association, the insurance premium rate is set for each prefecture and it becomes labor-management half. Calculated by multiplying the standard monthly remuneration and the standard bonus amount by the same premium. If you receive medical treatment, there is insurance benefits as a family medical treatment expense, but you will be paid a part of it. 20% of preschool children in compulsory education, 30% for under-70, people between the ages of 70 and 75 will be responsible for 20 percent of each. If a partial contribution in the same month exceeds a certain amount, a high medical treatment fee will be paid for the excess. In addition, insurance benefits such as injury and illness allowance, maternity allowance, childbirth and child care lump sum, family birth and child care lump sum are available. You must enroll in the National Health Insurance, except for the insured person of the office insurance (health insurance, etc.) and dependents and households receiving welfare. Unlike health insurance, insurance benefits are provided regardless of whether they occur during working or not. The percentage of medical treatment benefits, high medical expenses, and lump-sum payments for childbirth and childcare are the same as health insurance. National Health Insurance issued for medical insurance (for medical expenses for people under74 years of age), support premiums (for medical expenses for long-term elderly health care systems), and long-term care insurance premiums (for nursing care expenses, 40 to 64 years old). In addition, each is composed of an income discount (calculated from the income of all National Health Insurance subscribers the previous year), an equal discount (depending on the number of subscribers), and an equal discount (it takes per household). In the year of 2019 for example, if you are a resident of Sapporo City, the combined amount of the following face value will be one year’s medical insurance premium. Income discount multiplied by 9.78%from the previous year’s income minus 330,000 yen. 18120 yen is an equal discount multiplied by the number of subscribers (number of people’s discount). The equal discount is 33010 yen. Income is salary income (salary income – salary income deduction), pension income (public pension income – public pension deduction, etc.), business income (business income). The amount before various income deductions, such as social insurance premium deductions and dependent deductions. The insurance premiums for the support money are the amount of income discount divided by the amount of income less 330,000 yen from the previous year’s income, multiplied by 2.97%and the equal discount. Multiply the number of subscribers to 5530 yen. The sum of the amount multiplied by 10070 yen as an equal discount. Long-term care insurance premiums are the amount of income discount minus 330,000 yen from the previous year’s income multiplied by 2.56% and as an equal discount. The sum of the 5310 yen multiplied by the number of subscribers and the equal discount of 7440 yen. At the age of 75, everyone must withdraw from the health insurance they had previously enrolled in and join the medical care system for the elderly.

傷害保険とは

accidental insurance

傷害保険の特徴としては、被保険者が急激かつ偶然な外来の事故により身体に傷害を被った結果、死亡、後遺障害、治療を要したときに保険金が支払われる。時間をおかず突発的に発生する、予測できない偶発性がある、外からの作用によるものをいわゆる怪我と定義しています。例えば日焼けは火傷のようになっても急激性がないため怪我とはみなされません。逆に料理をしていて火傷をしたら怪我として対応されます。怪我を対象にしている保険ですから病気には補償されませんので、年齢や性別によって保険料が異なることはありません。その代わりに職業によって保険料が異なります。職業別に一般的な職業をA職、トラックの運転手やとび職などはB職でA職よりも割高になります。 傷害保険には色々な種類があり、代表的なものを幾つか挙げてみます。普通傷害保険、家族傷害保険、交通事故傷害保険、ファミリー交通事故傷害保険、国内旅行保険、海外旅行保険などです。普通傷害保険は24時間、365日補償されるオーソドックスな傷害保険です。これと補償内容を同じくして保険の対象を増やしたものが家族傷害保険です。本人や配偶者、同居の親族、別居の未婚の子などまで対象です。ただし、O-157のような細菌性食中毒は対象外です。また、地震、噴火、津波危険補償特約などを付けなければ、地震、噴火、津波による傷害は補償対象になりません。もちろん、飲酒運転や無免許運転も然り、危険なスポーツ(スカイダイビング、ハンググライダー、アイゼン・ピッケルなどの登山用具を用いる場合など)をしているときの怪我は原則対象外です。 傷害保険の補償は通常の基本契約では次の5つです。死亡保険金は事故の発生から180日以内に亡くなられたときに保険金が支払われます。後遺障害保険金は事故の直接の結果として180日以内に後遺障害が生じたときに程度に応じて死亡・後遺障害保険金額の所定割合の保険金が支払われます。入院保険金事故は事故発生日から180日以内に入院した場合、1日につき入院保険金日額が支払われます。手術保険金は治療のため手術を受けられた場合、手術の種類に応じて入院保険金の10倍、20倍、または40倍が支払われます。通院保険金は事故発生日から180日以内に実通院90日が限度です。 傷害保険は簡単に加入することができて、怪我の通院だけでも保険金が支払われます。病歴のある人で生命保険や医療保険に加入できない人も多いかと思いますが、怪我の補償だけは傷害保険でまかなうというのもありです。また、高齢者が家族にいる場合、単独で加入できなければ子供が家族型の傷害保険に加入する手もあります。同居親族は自動的にはいりますので、親が同居ならこうした使い方も有効です。交通事故が心配な場合、自動車保険の契約があれば人身傷害補償の補償範囲を広げることも検討すべきです。子供や親などの同居親族も対象ですし、契約車両に乗っていないときの交通事故まで範囲を広げられる商品も増えています。

The characteristics of accident insurance include the insured person’s sudden and accidental outpatient injury, resulting in a fatality, sequelae disorder, and medical treatment. It is defined as a so-called injury because of the unexpected contingency, and the action from the outside, which occurs suddenly without time. Sunburn, for example, is not considered an injury because it does not have a sharpness even if it becomes a burn. On the other hand, if you are cooking and burned, you will be treated as an injury. Because it is insurance that is intended for injury, it is not covered by the disease, so the insurance premium does not differ depending on the age and gender. Instead, insurance premiums vary depending on the occupation. Compared with a common occupation, a truck driver, a jump job, etc. is more expensive. There are various types of accident insurance, and I will list some typical ones. Ordinary accident insurance, family accident insurance, traffic accident insurance, family traffic accident insurance, domestic travel insurance, overseas travel insurance, etc. Normal accident insurance is an orthodox accident insurance that is covered 24 hours a day, 365 days a year. Family accident insurance is the one that increased the coverage by the same as this and the coverage contents. It is the target to the person and the spouse, the relative of the cohabitation, the unmarried child of the separation, etc. However,bacterial foodpoisoning, such as O-157, -is not eligible. In addition, accidents caused by earthquakes, eruptions, and tsunamis will not be covered if earthquakes, eruptions, and tsunami hazard compensation concessions are not included. Of course, drunk driving and unlicensed driving are not eligible in principle, and injuries are not covered when playing dangerous sports (such as using skydiving, hang gliders, or climbing equipment such as pickle). There are five types of compensation for accident insurance in a regular contract: Death insurance is paid when death occurs within 180 days of the accident. The insurance for the disability will be paid a predetermined percentage of the amount of the death and disability insurance according to the degree when the after-effect failure occurs within 180 days as a direct result of the accident. If an inpatient insurance accident is hospitalized within 180 days from the date of the accident, the daily amount of hospitalization insurance will be paid per day. If the surgical insurance fee is operated for treatment, it is 10 times or 20 times the inpatient insurance fee, depending on the type of surgery. , or 40 times. The maximum number of days to visit the hospital is 90 days from the date of the accident. Accident insurance is easy to enroll in, and insurance is paid only by visiting the hospital for injuries. I think that there are many people who have a medical history and cannot take out life insurance or medical insurance, but there is also that only compensation for injuries is covered by accident insurance. In addition, if the elderly are in the family, if they cannot join alone, the child may be able to take out family-type accident insurance. Because the relative who lives together is automatically, such usage is also effective if parents live together. If you are concerned about traffic accidents, you should also consider extending the coverage of personal injury compensation if you have a car insurance contract. It is also intended for family members living with children and parents, and more and more products are expanding the scope of traffic accidents when they are not riding contract vehicles.

火災保険とは

FIRE INSURANCE

火災保険は建物(住宅、店舗、事務所、工場など)やその収容動産(家財、什器、備品、商品、原材料、製品など)に生じた火災、落雷、爆発、風災などによる損害や、臨時費用、残存物取片付け費用などについて保険金が支払われる保険である。例えば、生活復旧費用保険金は事故発生直前の状態に復旧するために要する費用の保険が支払われる。仮住まい費用保険金は宿泊施設を利用する費用や引っ越しのための費用が支払われる。第三者・貸主に対する賠償責任保険金は損害賠償責任を負担することにより損害を被った場合に支払われる。 主な火災保険は3つあります。住宅火災保険は火災、落雷、爆発、風災、ひょう災、雪災、消防活動による水漏れなどが支払対象となる。店舗・併用住宅では普通火災保険に加入します。住宅総合保険は上記災害に加えて、物体の衝突、盗難、水災、給水設備の事故による水漏れなどの補償が加えられている。店舗・併用住宅では店舗総合保に加入します。価額協定保険特約は契約時に再調達価額(新価)を評価して契約する保険金全額を限度とした実損てん補となる。 軽過失による失火により、隣家を全焼させてしまっても隣家に対し不法行為責任の賠償責任を負わない(重過失・故意の失火は対象外)ただし、借家人が借家を消失させた場合の家主に対する債務不履行責任は免責されない。建物と収容動産は保険金額をそれぞれ設定する。建物には自宅車庫が含まれる。1個または1組の価額が30万円を超える貴金属、宝石などは明記物件として申込書に明記しないと含まれない。敷地内の自転車、原動機付自転車は含まれるが、自動車は含まれない。 地震保険は、火災保険では補償されない地震、噴火、地震や噴火による津波を原因とする火災・損壊・埋没・流失による損害が補償されます。盗難は補償されない。補償内容、保険料はすべての損害保険会社で共通です。居住用と生活用動産が保険対象。必ず火災保険に付帯して加入しなければならない。火災保険の保険金額の30%から50%の範囲内で、かつ建物は5000万円、家財は1000万円が限度となります。 コラム:水災の備えて 加入している火災保険のプランが水害(水災)に対応しているか確認してください。火災保険商品の中にいくつかプランがあって水災を補償するプランとしないプランがあります。火災保険を長期契約していて、以前の火災保険(住宅火災保険、普通火災保険)に契約している人は水災の補償はありません。火災保険における水災の保険金の支払いには次のような要件があります。建物または家財それぞれの再調達価額の30%以上の損害、あるいは床下浸または地盤面から45cmを超える浸水による損害。床下浸水のみだと保険金の支払い基準に満たさず対象外となります。なお、水災で保険金を請求する場合、罹災証明が必要で市区町村で発行してもらいます。現在ではどこの損害保険会社も火災保険はオリジナル商品です。水災の補償もいくつかパターンがあり、実際の損害を支払うタイプもあれば、一定割合を支払う定率の補償のケースもあります。定率タイプに一例では、損害額が自家の30%以上であれば損害額の70%。損害額が時価の15%以上30%未満であれば契約金額の10%(200万円限度)。損害額が時価の15%未満であれば契約金額の5%(100万円限度)です。分譲マンションなどマンションを所有している場合、マンションの高層にすんでいるから水災は関係ないと考える人もすくなくないでしょう。しかし、マンションは専用部分だけでなく共有部分も自分の持ち物です。共有部分にかける保険にも確認が必要です。最近のマンション組合で加入する保険であればほとんど心配ありませんが、自主管理のマンションであれば共有部分も含めて自分で保険を付けなければならないと留意してください。 コラム:地震保険の必要性 地震保険の主な特徴を挙げてみます。 単独で加入できないため、火災保険に付帯して契約する。対象は居住用の住宅やその家財(専用店舗などは加入できない)。保険金額は火災保険の30%から50%の間で任意に設定。ただし、建物5000万円、家財1000万円が限度です。仮に建物や家財が全壊・全焼しても最大で半分しか補償はない。 保険料は地域(1~3等地の3ランク)と建物構造(イ構造・ロ構造の2ランク)で掛け金が異なる。イ構造とは耐火構造および準耐火構造の建物で、ロ構造はそれ以外です。ちなみに保険金額1000万円のケースでは、北海道は1等地なのでイ構造は年間7800円、ロ構造では13500円です。 地震保険の保険金の支払いは次の4段階になっています。全損ですと保険金額の100%(時価額が限度)。大半損ですと保険金額の60%。小半損ですと保険金額の30%。一部損ですと保険金額の5%です。 地震保険の必要性が高い人は次の人です。住宅ローンの残債が多い人。被災したときにその後の収入が途絶える可能性が高い人。預貯金など資産の少ない人。例えば、自宅兼店舗で家族で飲食店をしているとそこが全壊した場合、住宅ローンが残るだけでなく、収入源も失います。

Fire insurance is insurance for damage because of fire, lightning strike, explosion, wind disaster, temporary costs, residual product collection and other expenses caused on buildings (houses, stores, offices, factories, etc.) and its detention property(household goods, fixtures, fixtures, goods, raw materials, products, etc.). For example, the life recovery cost insurance is paid of the cost required to recover to the state just before the accident occurs. The cost of temporary housing will be paid for the cost of using the property and for moving. Liability insurance claims to third parties and lenders shall be paid in the event of damages incurred by paying liability for damages. There are three main fire insurance policies. House fire insurance is eligible for payment of fires, lightning strikes, explosions, wind disasters, hail disasters, snow disasters, and water leaks caused by firefighting activities. In addition to the disaster, housing insurance also provides compensation for collisions of objects, theft, water disasters, water leaks caused by accidents in water supply facilities. The value agreement insurance concession will be a real loss supplement up to the entire amount of insurance claims contracted by evaluating the re-procurement value (new value) at the time of the contract. Although the neighboring house is not liable for tort liability even if the neighbor’s house is burned down due to minor negligence, the liability for default to the landlord in the event that the tenant loses the rented house is not exempted. The amount of insurance for the building and the capacity of the house will be set respectively. The building includes a garage. Precious metals and jewelry with a value of more than 300,000 yen must be specified in the application form. Bicycles on site and motorized bicycles are included, but cars are not included. Earthquake insurance covers damage caused by fire, damage, burial, and drift caused by earthquakes, eruptions, earthquakes, and tsunamis caused by earthquakes and eruptions that are not covered by fire insurance. Theft is not compensated. Compensation and insurance premiums are common to all non-life insurance companies. Residential and living property is covered by insurance. You must be accompanied by fire insurance. Within the range of 30%to 50%of the insurance amount of fireinsurance, and the building is 50 million yen, The limit is 10 million yen.

日本で運転するには

外国運転免許証を日本の免許証に切り替えるには、外国免許の日本語翻訳文が必要です。各都道府県警察の運転免許センターにて切り替えることができます。切替には2つの条件を満たさなければなりません。一つは外国免許証が有効であること。次に外国免許証を取得した日から通算で3ヶ月はその国に滞在したことが証明できることです。切替の際に適性試験や運転技能の確認もあります。日本語翻訳文は、外国行政庁(当該外国運転免許証を発給している行政当局)、各国の大使館や領事期間で発行しています。 国際免許証(IDP)をお持ちの方は、日本の法令に則って日本国内で自動車等の運転ができます。国際免許証で運転できるのは日本入国日から最大1年間です。注意点があり、主要な道路交通に関する条約には、ジュネーブ交通条約とウィーン条約があります。日本政府はジュネーブ交通条約のみしか締結していません。そのため、ウィーン交通条約のみの締結国で発給された国際免許を所持していても日本で運転ができません。例えば、ドイツやスイスはウィーン交通条約のみの締結国で国際運転免許証は日本では有効ではありません。ただし、2国間の取り決めで翻訳文を添付すれば有効ですので、発給国によって確認する必要があります。また、ジュネーブ交通条約において18歳に満たない者は批准国内で有効な運転免許を保有しても、国際運転免許証の発給は発行日を18歳になる日付を指定して発給されます。 外国の運転免許証で運転を希望される方は、日本語翻訳文と当該免許証原本を同時に携帯することにより、日本の法令に則って運転ができる場合があります。次に挙げる国が対象で、スイス、ドイツ、フランス、ベルギー、モナコ、エストニア、台湾です。ただし、この翻訳文で運転できるのは、日本入国日から一年間です。ですから、長期に渡り日本に滞在し運転を希望される方は、国際免許証をお持ちの方同様に、日本の運転免許証の切替をお勧めします。 一般社団法人であるJAFでは外国運転免許証の日本語翻訳文・特定国運転免許証の日本語翻訳文を発行するサービスがあります。また、日本運転免許証の中国語翻訳文の発行、外国語版「交通の教則」の紹介もしていますので利用価値があります。

To switch your foreign driver’s license to a Japanese driver’s license, you need a Japanese translation of your foreign driver’s license. You can switch at the driver’s license center of each prefectural police. Switching must meet two conditions: One is that the foreign driver’s license is valid. You can prove that you have stayed in the country for three months from the date you subsequently obtained your foreign driver’s license. There is also a confirmation of aptitude test and driving skills at the time of switching. Japanese translations are issued by foreign administrative agencies (administrative authorities issuing the foreign driver’s license), embassies and consulate in each country. If you have an INTERNATIONAL DRIVER LICENCE(IDP),you can drive a car in Japan in accordance with Japanese laws and regulations. You can drive with an international driver’s license for up to one year from the date of entry into Japan. There are caveats and major road traffic treaties include the Geneva Transport Treaty and the Vienna Convention. The Japanese government has only signed the Geneva Transport Convention. Therefore, even if you have an international license issued by a country that concludes only the Vienna Transport Convention, you will not be able to drive in Japan. For example, Germany and Switzerland are only countries that have signed the Vienna Transport Convention, and international driver’s licenses are not valid in Japan. However, it is valid if you attach a translation in an arrangement between thetwo countries, so it is necessary to confirm it by the issuing country just in case. In addition, even if a person under the Geneva Transport Convention under 18 years of age has a valid driver’s license in the ratification country, the issuance of an international driver’s license is the age of 18. If you wish to drive with a foreign driver’s license, you may be able to drive in accordance with Japanese laws and regulations by carrying the Japanese translation and the original driver’s license at the same time. However, the countries including Switzerland, Germany, France, Belgium, Monaco, Estonia and Taiwan are valid. You can drive with this translation for one year from the date of entry into Japan. Therefore, if you wish to stay in Japan for a long time and drive, we recommend that you change your Japanese driver’s license as well as those with an international driver’s license. JAF, a general incorporated association, has a service to issue Japanese translations of foreign driver’s licenses and Japanese translations of driver’s licenses in specific countries. In addition, JAF also issu To switch your foreign driver’s license to a Japanese driver’s license, you need a Japanese translation of your foreign driver’s license. You can switch at the driver’s license center of each prefectural police. Switching must meet two conditions: One is that the foreign driver’s license is valid. You can prove that you have stayed in the country for three months from the date you subsequently obtained your foreign driver’s license. There is also a confirmation of aptitude test and driving skills at the time of switching. Japanese translations are issued by foreign administrative agencies (administrative authorities issuing the foreign driver’s license), embassies and consular periods in each country. If you have an INTERNATIONAL DRIVER(IDP),you can drive a car in Japan in accordance with Japanese laws and regulations. You can drive with an international driver’s license for up to one year from the date of entry into Japan. There are caveats and major road traffic treaties include the Geneva Transport Treaty and the Vienna Convention. The Japanese government has only signed the Geneva Transport Convention. Therefore, even if you have an international license issued by a country that concludes only the Vienna Transport Convention, you will not be able to drive in Japan. For example, Germany and Switzerland are only countries that have signed the Vienna Transport Convention, and international driver’s licenses are not valid in Japan. However,it is valid if you attach a translation in an arrangement between thetwo countries, so it is necessary to confirm it by the issuing country. In addition, even if a person under the Geneva Transport Convention under 18 years of age has a valid driver’s license in the ratification country, the issuance of an international driver’s license is 18 yen. Issued with the date of the year. If you wish to drive with a foreign driver’s license, you may be able to drive in accordance with Japanese laws and regulations by carrying the Japanese translation and the original driver’s license at the same time. The following countries include Switzerland, Germany, France, Belgium, Monaco, Estonia and Taiwan. However, you can drive with this translation for one year from the date of entry into Japan. Therefore, if you wish to stay in Japan for a long time and drive, we recommend that you change your Japanese driver’s license as well as those with an international driver’s license. JAF, a general incorporated association, has a service to issue Japanese translations of foreign driver’s licenses and Japanese translations of driver’s licenses in specific countries. In addition, JAF also issue Chinese translations of Japanese driver’s licenses and introduce foreign language versions of “The Teaching Rules of Transportation”, so it is worth using.

企業年金

Corporate pension

厚生年金基金とは老齢高齢年金報酬比例部分の一部の給付を国に代行して行い、これに独自の上乗せ給付を行う企業年金制度である。従来、企業年金の主流であったが解散する厚生年金基金が増えている。その受け皿として企業が導入をすすめているのが確定拠出年金です。掛け金額(拠出額)はあらかじめ決まっているが、将来の給付額が運用実績により変動する年金制度です。 確定拠出年金には、個人が掛け金を拠出する個人年金型と事業主及び加入者が掛け金を拠出する企業型年金があります。個人型年金の第一号加入者であれば、月額68000円が拠出限度額です。第2号加入者であれば月額12000円から20000円となります。第3号加入者であれば月額23000円、公務員は月額12000円が限度額となります。つまり、企業型年金の場合、他の企業年金制度があれば年額144000円から240000円、無ければ年額276000円となります。老齢給付金を60歳から受給するには60歳時点で加入期間が10年以上必要です。給付方法は5年以上20年以下の有期又は終身年金です。障害給付金として5年以上の有期または終始年金として受け取れることもできます。受給要件は70歳に到達する前の傷病により、一定以上の障害状態になった加入者等が傷病になっている一定期間(1年6ヶ月)を経過した場合です。死亡一時金として加入者の遺族が資産残高をベースとして受給することもできます。脱退一時金として一定の要件を満たした場合に受給することも可能です。掛け金は所得税および住民税において所得控除の対象になります。 厚生年金基金や国民年金基金であれば社会保険料控除、確定給付企業年金であれば生命保険料控除といったように、確定拠出年金や小規模企業共済であれば小規模企業共済等掛金控除が受けられます。例えば、掛金を毎月1万円(年間12万円)積み立てた場合、年収500万円の方であれば年間36000円の軽減メリットがあります。 投資信託などの金融商品で運用する場合、通常だと運用益に対して所得税・住民税などで20.315%の税金がかかります。しかし、確定拠出年金で運用した場合はすべて非課税となります。さらにローコストな運用が行えるメリットもあります。投資信託を購入する際にかかる購入手数料はありません。信託報酬も安く抑えられています。 受け取りの段階でも、一括受取りすれば退職所得として退職所得控除の対象に、分割受取りをすれば雑所得となり公的年金控除の対象となります。一時金で受取取った場合は1500万円まで非課税です。年金受取った場合は、公的年金と合算して年間120万円まで税金がかかりません。 注意点が幾つかあります。確定拠出年金は加入時、加入中、給付を受ける際などに手数料がかかります。加入時手数料は2829円と国民年金基金連合会向け手数料原則月額105円、事務委託先金融期間向け手数料月額66円が固定して確実にかかり、合計で初年度合計額は最大4881円になります。 他に主だったものを紹介いたします。中小企業退職金共済は退職した際に従業員に退職金が支払われます。原則として従業員は全員加入します。国民年金基金は老齢基礎年金に上乗せする国民年金の第一号被保険者のための年金制度です。原則として任意脱退は認められていません。掛金上限は月額68000円で、個人型確定拠出年金に加入している場合は、合算で68000円までです。加入は口数制で1口目は必ず終身年金としなければならず、2口目以降は終身年金または確定年金から選択できます。加入者は国民年金の付加保険料を納めることはできません。掛金は社会保険料控除の対象となります。小規模企業共済は個人事業主が事業を廃止した場合や企業の役員が退職した場合などに共済金(退職金)が支払われる制度です。掛金月額は70000円です。掛金は小規模企業共済等掛金控除となります。

The Employees’ Pension Fund is a corporate pension system in which a portion of the aging pension compensation is paid on behalf of the government, and this is a unique additional benefit. In the past, a number of employee pension funds that have been corporate pensions are dissolved. It is a defined contribution pension that companies are promoting as a saucer. The amount of the contribution (contribution amount) is predetermined, but the future amount of benefits varies depending on the performance of the investment. A defined contribution pension includes an individual annual mold in which an individual contributes a deposit and a corporate-type pension in which employers and subscribers contribute a deposit. If you are the first subscriber of an individual pension, the monthly contribution limit is 68000 yen. If you are a second subscriber, it will be from 12000 yen per month to 20000 yen per month. 23000 yen per month for no.3 subscribers, 12000 yen for civil servants. In the case of corporate pensions, if there is another corporate pension system, the annual amount is 144000 yen to 240000 yen, and if there is no annual amount it will be 276000 yen. To receive old age benefits from the age of 60, the enrollment period must be over 10 years at the age of 60. The benefit method is a fixed-term or lifetime pension of 5 years to less than 20 years. It can also be received as a disability benefit as a fixed term of at least five years or as an annuity from beginning to end. The requirement for receiving benefits is a certain period of time in which a subscriber, etc. who has become in a state of disability due to injury or illness before reaching the age of 70 has been injured(one year and half has passed). As a lump-sum death payment, the family of the subscriber can also receive the balance of the asset. It is also possible to receive a lump-sum withdrawal payment if certain requirements are met. The deposit is subject to income deduction in income tax and resident tax. If you have a pension fund or a national pension fund, you can receive a small-scale business mutual aid deduction, such as a social insurance premium deduction, or a fixed-benefit corporate pension, such as a life insurance premium deduction. For example, if you accumulate 10,000 yen (120,000 yen per year) every month, if you have an annual income of 5 million yen, there is a relief merit of 36000 yen. When operating with financial instruments such as investment trusts, a tax of 20.315%will be charged to the ordinary investment income, resident tax, etc. on the investment profit. However, all cases in which it is operated with a defined contribution pension will be tax-free. There is also the advantage that it is possible to perform low-cost operation further. There is no purchase fee when purchasing a mutual fund. Trust fees are also kept low. Even at the receiving stage, if you receive it in bulk, you will be eligible for the retirement income deduction as retirement income, and if you receive it in installments, it will become miscellaneous income and be eligible for public pension deduction. If you receive the interest in a lump sum, it is tax-free up to 15 million yen. If you receive an annuity, you will not pay taxes up to 1.2 million yen per year in conjunction with the public pension. There is a caveat. A defined contribution pension will be subject to a fee at the time of enrollment, enrollment note, benefits, etc. The fee at the time of enrollment is 2829 yen, and the fee for the National Pension Fund Federation is 105 yen per month, and the fee for the financial period of the administrative consignment is 66 yen. The cost is fixed no matter which financial institution you are contracted with, and the total amount for the first year will be up to 4881 yen in total. Other corporate pension are as follows. Small and medium-sized enterprise retirement allowance mutual aid is paid to employees at the time of his retirement. As a general rule, all employees join. The National Pension Fund is an annuity system for the first insured person of the National Pension System, which is added to the old-age basic pension. As a general rule, voluntary withdrawal is not given. The maximum amount of accounts payable is 68,000 yen per month, and if you are a member of an individual defined contribution pension, the total amount is up to 68,000 yen. At the first term you must join a lifetime pension, and after the second term, you can choose between a lifetime pension and a definite pension. Subscribers are not admitted to pay additional premiums for the National Pension. Accounts payable is subject to the social insurance premium deduction. Small business mutual aid is a system in which mutual aid payments (retirement allowances) are paid when a sole proprietor retires from business or when an officer of a company retires. The monthly accounts payable is 70000 yen. Accounts payable is deductible for small business mutual aid, etc.