My wife has always kept her income under 1,300,000 yen to be able to stay as my dependent and avoid paying for her own health insurance/pension.
Last year my son broke his arm and she didn’t work for a few weeks. To make up for the shortfall in income, she worked overtime later in the year, but accidentally went over the 1,300,000 threshold (by about 10,000 yen). Her income in the last 8 years has been about 1,200,000 yen, so last year was an outlier.
Does anyone have any experience of a situation like this, where a spouse has earned over the specified threshold? As a rule, she should be removed from my shakai hoken for this year, but there does appear to be flexibility in some cases. If she does have to pay for her own kokumin hoken, it will cost us about 290,000 yen which is not ideal!
Please let me know if you have any first or second hand experience of a situation like this. Thanks
EDIT: Seems to be a good outcome. I called the shakai hoken company to ask about what I should do, but they told me to get my workplace to call directly. My boss called them and was told that the rule is not too strict in cases like this. Basically, in September my workplace has to send the shakai hoken company a form called ‘chousho’ (調書） with any changes to employees circumstances. In that document we will have to write that my wife earned over the 1,300,000 limit. But, if we send a letter from her employer detailing the (work-related) reason why she had to work too much towards the end of the year, she won’t have to change her current insurance status. We are counting on her workplace helping us by writing a letter explaining that she had to work as it was so busy or something. But I think that we will be ok in that regard.
by Key-Story-1666