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Private School Mutual Aid
Q1: Is becoming a member mandatory? I don't need to join PMAC because I am enrolled in a private health insurance plan in my country which covers my medical expenses in Japan.
A1: A person working for a private school is required to become a member if he/she meets the qualifications. It is also not possible to choose to receive only Short-term (health insurance) benefits or only pension benefits. (However, when you reach the age of 70, you no longer qualify for pension benefits program and when reaching the age of 75, you also no longer qualify for Short-term benefits program.) For pension benefits, there have been many cases where a person may be able to receive Japanese pension benefits even without fulfilling the prescribed membership period depending on the Social Security Agreement concluded with Japan. In addition, there is a Lump-sum Withdrawal Payment for foreigners.
About of Dependents
A2: If your income is greater than your wife's income, the child can be approved. Please apply for approval by attaching a tax withholding statement which can be used to compare the incomes between you and your partner.
Q3: My mother needs to be approved as my dependent because of my father's death, even though she lives apart from me. She is currently under age 60 and has no income and was a dependent of my father while he was alive. What documents do I need?
A3: For confirming the relationship between you and your mother:
Q4: My wife (under 60 years of age) has retired from her work. She is not planning to look for another job therefore she will not be covered by employment insurance in the future. No longer having any income, does she now qualify as a dependent? What documents do I need?
A4: Family relationship confirmation:
A5: If he joins any health insurance provided by his employer or if his monthly income reaches the monthly income limit (e.g. 108,333 yen when the annual income limit is 1.3 million yen), his dependent status must be canceled. If his monthly income fluctuates, the dependent status will be canceled on the 1st day of the fourth month that follows three consecutive months during which the income has exceeded the prescribed limit.
Q6: My mother (over 60 years old) with the dependent status has started to receive Old-age Pension benefits. She had been receiving Survivors' Pension benefits after my father passed away. When Old-age Pension benefits started to be paid, her Survivors' Pension benefits was suspended. She does not have any other sources of income. Does she have to cancel her dependent status?
A6: The annual income limit for persons over 60 years of age who are receiving public pension benefits is 1.8 million yen. If income that is equal to or exceeds the income limit is confirmed by pension benefit decision notification, dependent status is canceled on the date she receives a pension benefit decision notification (if the starting month for payment has not yet been reached as of the date when the notification is received, the status is canceled on the first day of the payment starting month).
About Voluntarily Continued Insurance Member
A7: One of the following items, whichever is lower:
A8: The Voluntarily Continued Insurance system is only applicable to Short-term payment (health insurance). Persons under 60 years of age must follow the procedures to join the National Pension as a National Pension Category I Insured person. However, if a spouse is employed, the person may be qualified to become a National Pension Category III Insured person. For more information, please consult with the Japan Pension service office.
A9: Since it takes 2 to 3 months to complete the account transfer payment procedures, please use the slip to pay your premiums until the transfer process is completed.
A10: When your Voluntarily Continued Insurance membership period expires after 2 years, it is automatically processed at PMAC, so you are not required to follow any additional procedures. About a half month before the period expires, notification of Voluntarily Continued Insurance period expiration along with an "Eligibility Certificate" is sent to you.
A11: No, you do not need to go through the school. The claim form is the same, but please be sure to inscribe on the blank part "Voluntarily Continued" and submit the claim to the PMAC directly.