I know I could go to the nenkin office to ask this, but seeing as there’s a 2.5 month wait for an appointment, I thought I’d try my luck here.
I am a U.S. Citizen, my wife is Japanese. I have been paying into the nenkin system since I came to Japan in 2010 (a mix of 厚生, 国年, mostly 共済). My wife has been paying into the nenkin system since she turned 20 years old (some 国年, mostly 厚生). My wife has been paying into it about 5 years more than me; however, due to our pay at our respective jobs, I actual have paid more overall into the system than she has according to the ねんきん定期便 we each received this year (about 18,000 yen difference on the 年金額, and about 1.2M yen difference on the 累計額)
However, when I run the estimate future pension benefits (将来の年金額を試算する) simulation on ねんきんネット, I get wildly different calculated outputs for both my wife and me. My wife is calculated to receive around 1.5M yen a year after age 65, while I’m only calculated to get 0.3M yen a year.
The only thing I think of for the discrepancy is our nenkin “types”. I’m not really sure what the big differences between 厚生 and 共済 are, would it be possible that this is influencing the outcome?
by nisenihonjin1