Hello r/japanlife,
I have submitted a notice of resignation to my company. I have planned to resign on January 31st. But my company is asking me to leave on 27th. When I asked, they said if I leave on 27th, I won’t have to pay Social Insurance and Pension money for January. At the same time, I won’t get paid for 28, 29, 30 January (31st is Saturday).
I don’t get it. 3 days unpaid vs not paying insurance and pension. For me, it’s almost same amount of money I am saving vs losing.
My company is only saying that I don’t have to pay insurance and pension for January and that’s beneficial for me.
But I want to know more about this. Does anyone have any experience regarding this issue? If I skip a month’s payment of pension/insurance, will it be a problem in the future?
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Thanks!
8 comments
Afaik they pay half your pension, insurance, etc.
So they are saving the same amount you pay for those and your salary for those days. While for you it comes out as the same amount, as you say.
And you may have a gap in your insurance and in your pension plan.
Looks to me like they want to save money and are trying to tell you it’s to your advantage, when you have only disadvantages.
In general I don’t think you’re better off unless you’re starting your new job literally on the 31st that month.
It could depend on how much gets deducted for 社会保険 from your salary each month as well as how much you would lose out from not filling in those 3 days of work which honestly, doesn’t sound like much of a bargain especially because you’ll have to joing 国民保険 immediately after quitting if you aren’t starting a new job immediately.
I think it’s best to ask HR to sit down with you and show you the calculation because they might just want to save money on their end not having to pay parts of your 社会保険
You will have to enroll to National Health Insurance and National Pension during that off day (27,28,29,30,31) and it won’t be cheap, cause you will still be paying for the whole month (You don’t pay daily rate for insurance here). If you don’t enroll, yes there will gap on your pension plan, and you might get reduced pension later.
So yeah, the only one who’s at advantage is your company. You have everything to loose. For the record, I have never heard of company that offers this plan, they really want to take advantage of employee quitting.
No, 28 is Saturday, 29 is Sunday, 30 is Monday, 31 is Tuesday. So the 27th is a Friday.
If you are living in Japan though you will still be responsible for paying pension/healthcare/etc. regardless of whether you are working or not. So if you are starting a new job on Feb 1 and not leaving the country there is absolutely 0 advantage to you to “leave early”.
And you won’t skip a month, you’ll be a month behind, which will cause problems down the road with visas/PR/them coming after you for back pay.
If you’re not paying shakai hoken, and if you’re not starting a new job immediately (on, or before Dec 31), you would be required to enroll in National Health Insurance, and also pay into (your) National pension.
This is mandatory, and it isn’t something that you can skip. In other words, you would still have to pay pretty much the same amount.
The only entity that would save any money doing this is your company, because when you’re enrolled in Shakai-hoken, they pay 50%, effectively matching your contributions into your pension account.
I would decline, and tell them that I’m ok with paying for it… (because I would have to do so anyway, regardless)
You resign on the 31st, no exceptions. If they don’t like it, they can speak to the labor bureau. You put in proper notice, and you are employed and paid until that period. You should also use all remaining vacation. Do not wait. File vacation. Do not ask. Fuck them.
“Company asking me to…”
Is almost always bad for you and good for them
If you don’t have permanent residency but are planning to apply for it in the future, you definitely shouldn’t skip a pension payment. You have to show proof that you are enrolled in the pension system as part of the application process. Any skipped or late payments could lead to your application being rejected.