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2026-04-01
Social Insurance Coverage Expanded!
From April 2026, part-timers working 20+ hours/week at companies with 51+ employees must join social insurance (health insurance + pension).
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2026-04-01Work
👴 In-Service Pension Suspension Threshold Raised! ¥500K→¥620K/month
Effective April 1, 2026 — Good news for working retirees
62
10K (new)
+12
10K raise
24%
Relaxation
50
10K (old)
❓ What's changing?
The threshold for suspending in-service old-age pension benefits rises from ¥500,000 to ¥620,000 per month. Previously, when pension + salary exceeded ¥500K/month, part of the pension was cut. Now you can receive full pension up to a combined ¥620K/month.
🔄 How the system changes
| Item | Before | After |
|---|---|---|
| Suspension threshold | ¥500K/month | ¥620K/month |
| Calculation | Suspend if (pension + salary) > ¥500K | Suspend if (pension + salary) > ¥620K |
| Reduction amount | 1/2 of excess is cut | 1/2 of excess is cut (unchanged) |
👥 Who's affected?
- ●Workers aged 65+ receiving employees' pension
- ●Especially beneficial for those earning ¥300K-500K/month
- ●Foreign nationals with pension eligibility from long-term work in Japan
- ●Example: ¥100K pension + ¥400K salary = ¥500K → was cut before, now fully received
💰 Concrete examples
| Pension | Salary | Total | Old Cut | New Cut | Effect |
|---|---|---|---|---|---|
| 100K | 350K | 450K | 00K | 00K | No change |
| 100K | 450K | 550K | 2.50K | 00K | +¥25K/month! |
| 150K | 500K | 650K | 7.50K | 1.50K | +¥60K/month! |
| 150K | 550K | 700K | 100K | 40K | +¥60K/month! |
💡 Key points to know
1Under-65 in-service pension also unified to ¥620K threshold
2Employer social insurance burden remains the same
3You can simulate your case at pension offices
4Foreigners with 10+ years in Japan's pension system are eligible — can benefit from this reform
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