EDIT : My HR could simply fix it and I got the health insurance card in a week. Pension declaration was also submitted by my employer without any issues it seems.
Hello all,
In short, My lack of research & my company's lack of explanation has landed my spouse to be without health insurance and pension for an year.
In detail, after multiple expat assignments, I moved permently to Japan last year and my company supported for all the visa process including dependent visa for my wife. I only had to submit few docs just to my HR and everything was done by them through external agency.
I was on the impression that health insurance for my wife is included in my card and since we never had to use it, we never found out that it was wrong.
Recently, I finally starting to research little bit about the insurance card and found out that it should be independent and while contacting my company about it, they said it should've been applied last year itself and not only that, there should be a pension exemption category 3 doc should be also applied which exempt her from paying pension (which was new to me also)
Currently, company HRs are trying to figure out what to do, I'm also searching what could be the consequences, but if anyone has gone through/know similar scenario, appreciate your feedback
Thanks
by stark0600
3 comments
No n negative consequence. Just add them.
Your tax might be lower
This may prove an issue if you apply for PR in the next few years. Otherwise you will probably be OK. Hopefully HR can sort it out quickly.
I was in the same situation a few years ago, and I found out right in the middle of my PR application. The TLDR is this can be fixed, and at least in my case didn’t affect my PR application.
Your employer needs to submit 2 documents to the pension office. The first one is “第3号被保険者関係届”, this is the same document to enroll your dependents normally. The second one is “遡及証明書”, which allows your dependents to retroactively be enrolled for up to 2 years in the past. If you are still with the same employer, the whole process only takes a week or two. If you already changed job, it can take quite some time, a few months in my case, but it can be done.
As for implication for PR application, once the whole process is finished, your dependents are considered to be enrolled on time. In my case, I was already in the middle of the process, but all I needed to do is printing out the email I received from HR, added a short letter to explain my situation, and sent those to immigration.