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このチャンネルは、日本に住む外国人のために日本の暮らしに必要な情報を英語で提供します。
#10 Special payment system for students（学生納付特例について）
Today I’d like to talk about special payment system for students because many of my clients used this system when they came to Japan as a student.
今回は、「学生納付特例」についてお話します。私のクライアントは、留学生として日本に来られた方も多く、この制度を使っていらっしゃるからです。
This system is called gakusei noufu tokurei in Japanese. Why did they use this? Because they were taught by the clerk when they went to the government office to sign up the pension system. If you’re a student you can use the special payment system. Then they accepted it, just because it’s a special offer for students. However when I told them the difference between the normal payment and the special payment many of them told me that they wanted to know that before they made a decision. So I’d like to share the information with you, today..
この制度は「学生納付特例」と呼ばれています。なぜ多くの方が使っているかというと、彼らが役所に年金加入の手続きに行ったときに、職員の方から「学生なら特別な制度があるから使ったらどうか」と勧められたからです。しかし、普通の支払い方法と特例はどう違うのかをお話をすると、たくさんの方が先にそれを知りたかったとおっしゃいますので、本日はその情報をシェアしたいと思います。
Special payment system for students is very good system for students. Because they don’t have to pay the premiums at all and the period is recorded as a enrollment. As you know patient system is a kind of insurance system as long as you’re enrolled by the pension system you are covered by an old age pension , death pension and disability pension. So gakusei noufu tokurei is good for the students because they are covered by all benefits without any payment.
実際学生納付特例は学生にとってとても良い制度です。保険料の支払いが不要にも関わらずその期間は年金加入期間と認められるからです。ご承知のように、年金制度は保険です。加入していれば、老齢年金、遺族年金、障害年金、の保障が受けられます。従って学生納付特例を受けている学生は保険料の支払わずに保障を受けていることになります。
If you die and you have a child, your family can receive death pension. The amount of this pension is different depending on the number of the child. But if you have a one child your family can receive 1 million yen per year and this will be paid until your child becomes age of 18.
万が一あなたが亡くなりあなたに子どもがいる場合、遺族基礎年金が支払われます。金額は子どもの数によりますが、子どもが一人であればおよそ年間１００万円です。遺族年金はこどもが１８歳になるまで支給されます。
If you become disabled you can receive a disability pension. The amount of disability pension is different depends on the situation but very severe disability you can receive 1 million yen per year and this is paid until you are recovered.
もし障害を負ったら、障害基礎年金が支払われます。金額は状況によりますが、重い障害（１級）の場合、約年間１００万円で回復されるまで支給されます。
However you have to be aware of that the period is not calculated the amount of the old age patient.
しかしながら、学生納付特例を受けた期間は、将来の老齢年金額には反映されません。
Now let me review the old age national pension formula. The amount of pension increases as the length of payment gets longer. The maximum amount of old age national pension is about 800,000 yen then the maximum length of payment is for 40 years. So you can see twenty thousand yen times payment years is a formula. Then you can calculate how much your old age national pension is by using this formula.
ここで以前お伝えした老齢基礎年金の公式をおさらいしましょう。年金額は保険料支払い年数に比例します。老齢基礎年金満額は約８０万円で、年金加入期間は最大４０年ですから、２０，０００円ｘ保険料支払い年数が公式となります。つまりこの公式を使えば、あなたの老齢基礎年金がいくらになるのかおおよそ計算することができます。
For example if you made a full amount of payment for 40 years your national old age pension is 20,000 yen times 20 years equal to 800,000 yen. So eight hundred thousand yen is the annual pension for you. However if you use a student’s special payment for three years and you made a full amount of payment for last 37 years your annual pension is 20,000 yen times 37 years equal to 740,000 yen not 800,000 yen even though your enrolling period is for 40 years. So this is the difference between the normal payment and special payment.
例えば４０年間保険料を支払うと老齢基礎年金の額は２０，０００円ｘ４０年＝８００，０００円となります。つまり８０万円があなたの老齢基礎年金額です。しかし、3年学生納付特例を使いその後３７年間保険料を支払うと、老齢基礎年金の額は２０，０００円ｘ３７年＝７４０，０００円となり、８０万円ではありません。４０年年金制度に加入したにも関わらずです。これは通常の支払いと特例の違いです。
There are many of my clients ask me that if they can make a later payment or not in order to increase the amount of the pension. You can make a later payment within 10 years but you’d be better to make a payment as soon as possible. Because three years after the school overage fee is added on the on top of the premiums.
私は多くのクライアントより将来の年金額を増やすために保険料の後払いが可能なのかをよく質問されます。学生納付特例の追納は１０年間認められていますが、できるだけ早い方が良いです。なぜならば３年以上経過すると超過金がかかるからです。
Actually student special payment is not only the option for you. For example your parents can pay it for you. Since amount of the paid premiums is a tax deductible so your parents can deduct the amount from their income so that they can get the tax benefit. Also you can pay it by yourself. And the third option is a special payment system.
I hope today’s information help you to understand gakusei noufu tokurei more. If you find my video is useful please subscribe my channel.
実際学生納付特例だけが選択肢ではありません。例えばご両親が保険料を支払うという選択肢もあります。その場合保険料は所得控除となりますので、税のメリットが受けられます。あなた自身が保険料を支払うこともできますし、3つ目のオプションが学生納付特例です。
今日の情報で学生納付特例について理解を深めていただけると幸いです。もし私の動画がお役にたちましたら、チャンネル登録もお願いします。