Like many, I was misinformed about the pension system by my dodgy company, and so for the first three years here I didn't pay.
I started a new job with shakaihoken and started paying. I never received anything regarding paying for the years I missed. Due to a misunderstanding at the time, I thought perhaps it has been wavered due to how low salary was in my first job. It was only much later I learned that was not so. But by that time it had been 5 years of paying on time.
I've been paying on time ever since and it has now been almost 8 years since that mistake. However, with this stricter rules coming up, abd with my PR application planned for next year, it really has me worried.
I've read here that the pension office will ask for 2 years backpay, but the issue is I've been paying for so long now, would that have expired? Or is it that they just can ask for 2 years of miss payments regardless of when that was?
I've not missed anything else. City tax and health insurance payments are all on time. I'm just worried about this mistake in my early days ruining my chances of PR now, especially given the current climate.
by Other_Block_1795
2 comments
Missed National Pension contributions can be made retroactively for up to 2 years only. ([link](https://www.nenkin.go.jp/service/yougo/kagyo/kokunen-kono.html))
If you had applied for, and received an exemption (or reduction) at that time, you would then have up to 10 years to retroactively pay for it.
If you’re looking to apply for PR via 10 years residency, you need to be on a working status of residence (SOR) for the last 5 years, and have an SOR with 3Y or 5Y validity.
You also need to show:
Last 5 years of income (showing you have 3M or more each year)
Last 3 years of residence tax payment receipts.
Last 2 years of pension payment receipts
Last 2 years of National health insurance payment receipts
(The last 3 items must all be paid on time. Even 1 day late will result in a rejection. If you are on Shakai Hoken, (3/4) are not required. Same if (2) is deducted from your monthly salary also. But you will need to have your payslips for that period showing this.
If you have changed jobs in the last 3 years, if there is *any* gap (even for 1 day) in between the last/first day, you will need to show the NHI/National Pension receipts for that gap or that you had remained on the previous employer’s shakai hoken coverage for that period (usually, where you pay both the employer and employee share of the premium).
There was previously some posts were PR applications were rejected, as they did not have 3M income in 2020 due to the pandemic. But generally, you want to have a stable and consistent job/income.
pension office can issue only 2 years backpay but do consult with them to check if any changes in the policy.
and I dont know how they record it, but delay cant be good also, I heard 2 year or 3 years is sufficient so you would need to wait 1 one year or just try apply anyway to see how hard the screening.
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