How is the amount of Lump-sum Withdrawal Payment (Nenkin) calculated?
The amount to be paid increases on a 6-month basis up to only 36 months. The payment made after the third year is not included.
Therefore, the amount received is the same for those who enrolled in the system for 3 years or 9 years.
① In case of National Pension
The amount to be paid depends on the month of your last payment, and enrollment period. The table below shows payment amount for different enrollment period (the last month is between April 2017 to March 2018).
|Your total coverage periods (month)||Payments amount|
|6 to 11 months||49,470 Yen|
|12 to 17 months||98,940 Yen|
|18 to 23 months||148,410 Yen|
|24 to 29 months||197,880 Yen|
|30 to 35 months||247,350 Yen|
|36 months and more||296,820 Yen|
② In case of Employees Pension InsuranceThe payment for employee pension is calculated by Average Salary x Payback Rate(which is, [pension rate x 1/2] x enrollment period).
Example: If you work in Japan for 1 year, the amount to be paid will be about the same as your 1-month amount of Average Salary. If 2 years, 2-month amount of Average Salary, if 3 years, 3-month amount of Average Salary.
|*||Average Salary means sum of 「Monthly Standard Salary」 and 「Bonus」divided by total working months.|
|*||Only 3 years payment wil be received even if your enrollment period exceeds 3 years (as of April 2020).|
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