Hello all,
I have a question about social insurance deductions (健康保険料 and 年金).
From March to June this year, I had unexpectedly higher earnings — around ¥950k+ per month, compared to my usual ¥700k+. I’m in a performance-based role, and spring–early summer went particularly well.
Because of this, my standard monthly remuneration (標準報酬月額) was recalculated and my deductions for health insurance and pension increased from September onward.
From September to December, my income will be back to the usual ¥700k range.
My questions are:
- Is this higher contribution amount locked in for one full year (until next September), and then recalculated again based on the average from April–June 2026?
- My company’s 労務士 mentioned that during the year-end adjustment (年末調整) for this year, there should be some cash back since I’ll have “overcontributed” from September to December due to not maintaining the higher income level. Is that actually correct?
Appreciate any clarification or experience anyone can share — this whole recalculation timing system still confuses me! TIA
by Froyo_Muted