What is it there is a safety net of non-pension?

As for device of the safety net which protects us?

The public pension plan system is one of the important social security system which supports the life of old age, but the system which joins mainly has been decided by the occupation of that person.The japanese other than public pension plan social security system, same as the pension scheme and mainly the system which joins with the occupation of that person having been decided, you can see the difference even in the guarantee contents.This time, while comparing the system where each one of the office worker and the huriransu individual proprietor becomes the object concerning the device of the Japanese other than public pension plan social security system, it guides.

Entire image of the Japanese social security system
Comparison of public medical insurance of office worker and huriransu individual proprietor
Comparison of nursing insurance system of office worker and huriransu family-operated business
Other in social security systems as for difference?

Entire image of the Japanese social security system

The japanese social security system has following kind of four functions as the safety net which supports the stability of relief and life of the citizen.

(From public welfare Ministry of Labor HP)

In addition, as for the Japanese social security system you called nutrition improvement and protecting against infection and life backing in 1945 age and postwar confusion period it started from the place where “antipoverty” is designated as purpose, like below traced change, the system system the present way was completed.

(ministry of health, labour and welfareHPthan)

the current social security system corresponding to the declining birthrate and aging population, building a sustainable future institutional system is expected. heisei16medical system for the elderly such as the introduction of amendments and late years of the pension system, institutional reforms for the declining birthrate and aging population, but has been done, there is also in the agenda is an ongoing process. also, economy is stable, social security system that is currently the most important in life has become rich social insurance system (pensions, medical and nursing care) will the field of. of this, for public pension system, but has been compared to a system of self-employed freelance company employee and also so far, let’s compare this system of self-employed and freelance company employee in the field of medical and nursing care other than the pension system.

comparison of public health insurance system and the self-employed freelance company employee

the beginning is a comparison of public health insurance

as well as the public pension, public medical insurance system is a system to join in the profession that people are different mainly. health insurance company employee is generally, freelance or self-employed individuals will join the national health insurance.

health insurance company employee to join, conducted by the insurance institute of health insurance association was placed in each prefecture and small business health insurance health insurance union to conduct union was established in each company and each operating in the same line of business 2there is a kind. about the subscriber’s medical insurance60%you have health insurance (heisei19years3mon current, ministry of health, labour and welfareHPthan) . health insurance premiums, union, every union health insurance health insurance, insurance association, is calculated using standard remuneration based on salary and bonuses and monthly premium rates are determined in each prefecture. premium rate is different for each prefecture and health insurance association, currently9.3%has become the premium rates of around. health insurance premiums, company and the subscriber will pay half in principle. also, health insurance is not only to bear the insurance premium subscriber identity, you can receive benefits as dependents of health insurance to family dependents.

national health insurance and also self-employed freelance to join, conducted by the national health insurance national health insurance association and city of the same kind carried out in the business, such as doctors and pharmacists in each prefecture2there is a kind. about the subscriber’s medical insurance40%it has national health insurance is, of them90%or more are enrolled in the national health insurance implemented by municipalities (heisei19years3mon current, ministry of health, labour and welfareHPthan) .

national health insurance to conduct union business of its kind in the nation in the current100there are more than, how to calculate insurance premiums or premium rates calculated in the same, all premium subscribers in the same amount was enough, vary, such as are provided for each age division. national health insurance is carried out in the city, it has been set premiums for each municipality, national health insurance as health insurance dependents there is no classification that (mechanism of national health insurance premiums implemented by municipalities to send the old age is the ideal~hen rural life please see the) .

so, let’s compare the benefits of national health insurance and city health insurance. medical insurance benefits will be paid from public, has been divided into cash benefits to refund a portion of the burden and benefits in kind, such as self-expensive treatments such as injections and medication consultation and acts. because the same rate currently borne by each system when it receives a benefit in kind, for the difference in benefits in kind by the system to join, but there is almost no, cash benefits for the difference between each system is seen as follows:.
of cash benefits, can not work between, sickness allowance and maternity allowance will be paid for the purpose of income security benefits health insurance only ( ) is. out of the furnishing of the above, conducted by union health insurance health insurance, there is also a fringe benefit union security has been enhanced further content will be provided. if you compare the cash benefits, will say what health insurance benefits were more extensive than national health insurance.

in any national health insurance benefits and maternity allowance disability benefit (benefits can be determined whether or not to the provision in the regulations for each municipality) so, there is no city has now been paid.

also, if the company employee illness or injury for which benefits of health insurance, is due to reasons outside of work. of illness or injury and the way to work on the business, workers’ accident compensation insurance (alias workers’ compensation insurance , the following workers’ compensation insurance and) will be subject to. workers’ compensation insurance is, the content has been enhanced security than health insurance, insurance benefits will be made as follows:.

(to an insurance benefit compensation it is attached is, the case of illness or injury due to on-the-job accident)

benefits of the workmen’s accident compensation insurance is, not only do the benefits of the same benefits and health insurance benefits in kind or cash, and benefits for disability or death, such as public pension, there is also a long-term care insurance benefits for care, such as. also, there is no self or burden when receiving medical care compared to health insurance, the contents of benefits such as income security continues to heal has been more substantial. further, because workers’ compensation insurance benefits continue even after quit your job, if the state can not leave work after retirement (compensation) sickness benefits and (compensation) pension is paid, medical treatment if you need treatment (compensation) benefits will be paid also.

it should be noted, because workers’ compensation insurance premiums to pay only the company, that insurance premiums will be deducted from the salary of health insurance as there is no. workers’ compensation insurance, so insurance benefits to compensate for the illness or injury incurred by workers employed by a disaster or business by commuting accidents, freelance or self-employed is the owner himself will not be able to join in principle. would say about the way to work and work and in being more heavily protected public institutions found the company employee.

comparison of long-term care insurance system and the self-employed freelance company employee

about the long-term care safety net?

because the system long-term care insurance system operated by the municipality, that the contents and benefits of self-employed freelance company employee medical insurance is different as there is no (long-term care insurance benefits65over the age of1and insured40years of age or older65under the age of the2the content is different in the insured person) is, how the burden of insurance premiums will vary. 65over the age of the long-term care insurance1insured person, but to pay the insurance premium prescribed in the regulations for each municipality, 40years of age or older65under the age of the2insured person has become a mechanism to pay medical insurance premiums along with the join. for this reason, company employee to join the health insurance, people to join the union health insurance premiums by the premium rate was determined for each union health insurance, people to join the health insurance association1.19%the premium rates were calculated with the, will be borne equally by the company as well as health insurance premiums.

freelance self-employed individuals to join the national health insurance, calculation method has been determined by ordinance of each municipality as well as national health insurance premiums of long-term care insurance premiums. multiplying the fixed rate portion and subscribers such as the amount of income and assets1the payment by totaling the flat-rate premium per capita.

other differences in the social security system?

outside the field of pensions, medical and nursing care, different mechanisms in the social security system and the self-employed free-lance company employee is applied unemployment is for. the insurance company employee has employment as a safety net against unemployment. current employment insurance is not only unemployment, system has to do also to benefits such as:.
the current employment insurance, as well as benefits for the unemployed, it will also benefit aimed at maintaining employment and stable, i have increased user benefits since the collapse of lehman brothers is to bail out the unemployed job seekers. according to the announcement of the ministry of health, labour and welfare, heisei21total benefit of job seekers benefit in fiscal 2004 compared to the previous year about60%has become a high growth rate. the unemployment rate5%at present has remained at the front and rear, that employment insurance is functioning as a safety net of a company employee is inferred from the statistics.

as we guide you, self-employed or freelance, between income security and can not work due to illness or injury by the social security system, there is no safety net against unemployment. if… in case of, will most likely need to take some measures that you own. further, same is true for old age, public pension or self-employed freelance does not have a pension of only national pension uwanose. in preparation for longevity risk, national pension funds, etc., you may want to consider to prepare for retirement funds early.