You are here

The Coming Spring Shock

The Japan Times ran a couple of articles last week on the coming changes in health insurance for foreigners in Japan.

As you are probably already aware, starting next April, you will have to show proof of enrollment in shakai hoken (SH) or kokumin kenko hoken (KKH) when you apply to renew your visa. Jenny Uechi reminds us of the law:

If you are working for a company in Japan, chances are that you are (or need to be) enrolled in shakai hoken, in which you pay half of your health insurance premiums and your company pays the rest. There isn't much ambiguity about shakai hoken: If a company employs more than five people, and an employee is working more than 20 hours a week for a period longer than 2 months, the company is obligated to submit paperwork for an employee's health insurance and pension to the Social Insurance Agency within five days of hiring. With shakai hoken comes the kosei nenkin, or pension plan; the two are a set, and enrollment is mandatory whether you plan to retire in Japan or not.

Meanwhile, people who are unemployed, self-employed, employed by a small firm or retired should be enrolled in kokumin kenko hoken (national health insurance). People paying into this system have to sign up on their own for kokumin nenkin (the national pension) at their city ward office.

Unfortunately a lot of English instructors are unaware of the law and find themselves in a position like "Patrick Johnson:"

Patrick Johnson (not his real name), an assistant language teacher, has recently had to fork out over ¥700,000 in back payments for the last two years he has been living in Japan without national health insurance. He has just paid his final monthly installment of ¥75,000, he explains with a tired sigh of relief. He used to pay for private insurance, but has left the scheme now he is covered by kokumin kenko hoken.

Johnson, who works for a large corporation with far more than five employees, is well aware that he should technically be enrolled in shakai hoken, where his company pays 50 percent of his premiums. But because his contract states that he only works 29.5 hours — well over the 20-hour limit but .5 of an hour below the limit that usually triggers a government crackdown — the company can instead oblige him to sign up for the other option, where he has to bear 100 percent of the cost.

"You know how the system works," he says wearily, as though hour-fudging is a given in Japan's language-teaching industry.

Johnson reflects on his experience with more resignation than rage. Last year, he says, the city started sending letters asking him to pay health insurance. Since he already had private coverage through his company, he did not think much of it, but started panicking when the city approached his company asking for his bank information. Then one day it happened — he saw ¥50,000 had vanished from his bank account

His experience is typical of most instructors. They are generally unaware that their employers should be enrolling them in an insurance scheme and are surprised to learn that they owe up to two years in back payments when they finally do get properly enrolled. This is also one of the reasons why many would like to avoid SH or KKH--they are expensive.

Which brings me to Ronald Kessler's Zeit Gist column in which he argues that foreigners in Japan have special healthcare needs and that for vital reasons of communication, level of service, and repatriation of remains, foreigners should be able to presumably opt out of SH or KKH and choose their own plans.

There are a few problems with Mr. Kessler's argument, however. First, enrollment in SH and KKH is mandated by law, and, lke taxes, you can't choose to not pay. He also forgets to mention that if foreigners do need extra coverage, they can get it from one of Japan's private insurance companies. This is in fact what many Japanese do to cover the gap between SH or KKH should they be hospitalized for an extended period of time. Moreover, he fails to provide any specifics as to what other health insurance plans make them preferable to Japan's public ones. What are the cheaper and more comprehensive health insurance plans? Are they universally accepted across Japan?

One point I agree with him on is that it is curious that Immigration, not the Social Insurance Agency, will effectively be enforcing enrollment. This shifts the burden of enrollment on the instructors, not their employers.

If the government wants to enforce enrollment in this odd manner, then that's there prerogative. Personally, I don't see this an issue of choice insomuch as it is a labour issue. As has been mentioned on LJ before, employers play fast and loose with working hours, drawing up 29.5 hour work weeks so they can avoid having to enroll their instructors in a health plan even if their instructors are physically at school on a full-time basis.

Instead of putting the burden on instructors to enroll, the Social Insurance Agency should be cracking down on the schools who shirk their legal obligations.

One thing is for sure, there will be more than a few instructors who are hit for back payments when they are ultimately forced to enroll. There may even be a few who are unable to renew their visas.

It's time for instructors to be prepared. If your visa is up for renewal next spring, make sure you have some money set aside in case you are have to make back payments. While costly, you can negotiate with local governments and set up a payment schedule that fits your budget or even get your payments reduced.

It's also time to start making some noise about your working conditions. Even "Patrick Johnson" knew his employer was gaming the system yet he turned a blind eye. Don't let your employer rob you of your right to healthcare in Japan. For all its warts and deficiencies, SH and KKH cover you, no questions asked. The choice involved here is not which plan is better for foreigners in Japan, but choosing to stand up to your employer and demanding your right to healthcare coverage.

Comments

Out of interest, doing some further reading on the link to UK National Insurance payments, if you're from the UK and working in Japan, the first year that you work, it seems like you can have your Japanese employer paying your NI contributions in the UK if you so wish.

"Don't let your employer rob you of your right to healthcare in Japan."

The above is a quote form one of Shawn's previous articles on the issue. Personally, I disagree with it for two reasons:

1. Under the old system anyone could sign up for SH or KKH. You didn't need your employer's Ok.

2. The old system had choice. Rather than forcing people to sign up for SH/KKH, many people opted to take out cheaper private insurance. That has now gone under the proposed new system.

I would also add that Govt. statastics show that around 60% of Japanese citizens are not paying into SH/KKH at the moment even though it it supposed to be 100%. So, foreigners are forced into a system that many Japanese don't pay into. Not to mention large back payments that will be charged for non-payers in the past.

Overall, I think the bad outweighs the good but that's just my personal opinion.

Nova Stooge Alert ! Nova Stooge Alert ! Nova Stooge Alert !

You sound just like Coburg Savaloy Man !

THORN

It seems to me that all the Eikaiwas and ALT dispatch companies that saved money by having instructors buy private insurance should be liable to pay the back payments that the instructors are being asked to pay. If that doesn't happen, these companies are going to get away with highway robbery. Think about, we were all told that this was the better options for everyone. All that money paid into the private health system doesn't count at all. Let's not forget, the companies received some money from these insurers for having us sign up for the recommended private policy. The company saved money and made money on you. Obviously it's the better option for the company.

As employees, we are entitled to SH even if we only work 20 hours a week. That nonsense with the 29.5 Hrs/Wk is old news under the new law. Companies don't want you to have it because it means that they have to split the costs 50-50 with the employee each month. Also, if you're seriously injured while enrolled in SH, you get 60% disability pay for life. (That's not available under any other plan, unless you have a private disability insurance policy, which i doubt any foreigner in Japan has. It's too expensive.) If you leave within 5 years, you can claim back your money in SH (minus a 20% "handling fee"), but the company can't. That's why they don't want you to be in the system because it's a huge loss if many instructors enroll in SH and then leave after 3 - 5 years of work.

The best alternative for these companies is to recommend instructors to sign up for the cheaper KKH. It's more expensive than most of the private plans that have been sold. Under this plan, the employee pays 100% of the cost. There is no enrollment into the retirement fund like SH, so there's no money being saved. If you leave, there's nothing to collect.

The underlying problem here is that only 60% of the Japanese population is currently paying into the system. This appears to be similar to the NHK "we won't pay for basic TV" thing, only on a much larger scale. It probably has a lot to do with the fact that 33% of working adults in Japan only have a part time job.

In any case, as foreign workers in Japan we have two choices: enroll in SH for the long term and hope that the money won’t be blown away by the old in Japan in the next 20 years or enroll in KKH and put money into a long term investment fund that hopefully won’t be blown away by the banks in poor investment strategies.

There needs to be an absolutely clear cut answer on this (I know this is Japan, and "case by case" is all the rage). We only have two options now? If we show up at immigration with documentation on the private health insurance we have now, they will possibly reject our visa renewal on the grounds that we are not enrolled in either SH or KKH?

THORN, you have some great arguments there!

No seriously, I don't believe that the "new" system is a great win for employees.

In the end though, it's kind of a moot point because the new system is coming-like it or not. I certainly do agree with Shawn on that point.

I also think it's sensible that people join a health insurance program. The SH program is actually quite good for people with a spouse/children but less so for single people.

I just wish that people had a choice.

In short, yes (according to all the pundits). The date given for the enforcement of the new law is April 1st., 2010.

I guess it's possible that they might start enforcing it before then ...

Pink Elephant, I actually agree with everything that you've said. The problem is that SH/KKH wasn't enforced from the beginning and that has caused the problems we are seeing now.

It seems a little bit unfair to change the rules now when it will incovenience quite a lot of foreign residents. Why not enforce this new "rule" on Japanese citizens as well?

From this point forward, I think it's our duty to be informed about this issue. Ask all your students, friends and family in Japan which health plan they have? If they become offended, kindly remind them that this question is being asked to every foreign resident in Japan. It should be interesting to see hear all the responses.

I read the article by this Kessler dude.
He is in some group that wants "choice" for health insurance.....
I wonder if he is an agent for one of these dodgy companies who has a vested interest in prolonging private health insurance..perhaps a statment regarding his personal interests/involvement with these companies would diffuse my doubt.
In the past I have been hounded by agents for these so called global health companies, hungry for his commission.
My take on it is that if Lehman Bros can go bust so can these insurance companies, and I don't want to put my families health insurance in the hands of a private company.
Also, if a private company was to go bust, I gaurantee that ALL (sick) gaijin enrolled would scurry to the city hall to enrol in public health insurance. That will damage the system. And that is one reason why it is the law to join KH or SH

You may indeed be correct that these "Global" health companies will lose out big time under the new rules.

That doesn't change the fact that under the new "rules" some gaijin will be forced to back pay as much as 750,000 Yen through no fault of their own. Companies are not being forced to pay back the "unpaid" portion of SH. Is that fair?

It also doesn't change the fact that a large chunk of the Japan populace don't pay into either SH/KKH.

What's fair for one is fair for all.

Well said anonymous. This back pay has to be paid by all parties involved, not just required by the employees. These companies are more responsible than the employees. They are the ones that supply the initial information for most arriving in Japan. I would say most people when they first arrived in Japan had no knowledge of SH or KKH at all. Many don't speak the language and rely solely on the "honesty" and "good will" of their employer. While that may seem naïve now, that has been the common practice that we follow most of the time. Ironically, we literally had seconds to pick out insurance, which is more important than the job. Funny how that works.

We need to get the unions to bring lawyers into this. Where are all the union reps. out there? They should be screaming about how unfair this is. It's ridiculous that we chat on here and watch as nothing gets done. I'm all for paying into a system that benefits the health of society, but it should be done on an even playing field. These companies need to be held accountable for their actions. They willfully led employees into health plans to save money for the company. This isn't illegal for them, but it is for the employee because it invalidates the visa. Pathetic.

It's going to cost a hell of a lot more now. If you have special care needs, you'll need to have a private plan that works so you can choose a medical professional that you see fit, as well as a public one just to stay in Japan? Under the state plan, you have to go to the doctor that is chosen for you. What if it's some 64 year old deaf clown that juggles chopsticks with his twinkle toes all day? Uugh, i digress...

The point is these companies will only be held accountable if we stand up and say something together. Let your balls drop. It's time for the real men to stand up.

This is going to be interesting. I worked 2 years at Nova and didn't know anything about SH or KKH. Nova never mentioned it, and nobody I knew at Nova was on it. It was only when I came back to Japan a few years later that I started reading things on message boards about the Union's SH drive (c. 2005), which got me reading more and getting more clued up about it.

Had this new law come into effect when I worked at Nova, everyone would sure as hell have been pissed about being landed with a huge SH/KKH bill, especially when they knew nothing about the Social Insurance system due to Nova neglecting to tell anyone about it.

I think there'll be a higher number of teachers than usual quitting before next April.

Sorry to ask, but does anyone have a viable source that says that employees only have to work 20 hours a week for their employers to have to sign them up for Shakai hoken? In my research, from looking up the rules on the English translation of the Ministry of Health, Labor and Welfare website, to checking the Japanese version and translating it myself, Shakai Hoken requires that employees must be covered by Shakai Hoken if they are a part-time worker and if both their work days and work hours are more than 3/4 of the regular workers in the workplace (usually 40 hours). This information can be verified at http://www.sia.go.jp/e/ehi.html and the site for the social insurance agency is http://www.sia.go.jp/e/index.html

Now, companies are required to sign their employees up for unemployement insurance (Koyo Hoken) if they work more than 20 hours a week, but that's a different type of insurance, and has no relation to health insurance.

Also, it should be pointed out that from April 1, 2010, the thing that is changing is a GUIDELINE, not a LAW regarding residents' enrolment in one of the health insurance schemes. However, whether or not your local immigration office will inforce this guideline is entirely up to them.

Anyway, if anyone can find out for sure about the above subject, please post, as it will really help. Thanks!

You're right about this coming enforcement of health insurance being a guideline, but it is the law for employers or yourself to enroll in either SH or KKH.

Shawn
Let's Japan.org::Blog

It also doesn't change the fact that a large chunk of the Japan populace don't pay into either SH/KKH.

What's fair for one is fair for all.

This argument doesn't wash. First, they (Japanese) are citizens, you are not. The Japanese not enrolled in SH or KKH are generally very poor, but as citizens, they have, for lack of a better word, the "privilege" of being a drag on the system.

Second, this is not an issue of fairness. You are not entitled to live in Japan. The law says you have to enroll in SH or KKH, and it's been the law for a long time. There is no disputing this point and it won't do you much good to complain about it.

Shawn
Let's Japan.org::Blog

Companies DO have to backpay SH if it is found that they did not enrol employees when they had to. You can get the SH office to check out your company through a procedure called "kakunin seikyu"

Just to point out, no, SH/KKH does not choose your doctor.

And as far as getting the unions involved, they are. Get ahold of them for more info.

And on the topic of guidelines, the 3/4s rule is a guudeline as well, and it's actually "about 3/4s". Furthermore, the actual law stipulates all employees, so the guideline's at odds with the statutes.

And a fun little tidbit - before the union inquired at immigration, immigration didn't know that eikaiwa were issuing 29.5 hour contracts to skirt the laws.

I called the Osaka immigration office today and asked if I do not have a SH or KKH insurance card when I apply for my visa after April, is it possible that it will not be renewed. They said the official policy has not yet been decided but it is possible that you won't get a visa if you apply without being a member of one or the other.

The big eikaiwas (and small) and dispatch companies LOVE this rule.
Why?
Because they can keep getting away with not paying SH, and they can get rid of long-term teachers. They always prefer to keep "fresh" new people who don't know their rights and are to buzzed about being in Japan to complain much about their crappy jobs.
No more making up lies about "student complaints" to try to justify firing most experienced teachers through non-renewal. No worries about long term teachers taking complaints to the labor office, by the time even half the paperwork is done, their visas will already be expired and they'll have to go home.
And any teacher desperate enough to cough up 1,000,000 for the privilege of continuing to work for an eikaiwa is proving themselves as weak and foolish with money. Just the sort of long-term teacher they can put up with.

A rule that only prevents RENEWAL of visas is what they want.
Why isn't there a rule preventing the ISSUANCE of visas in the first place, especially if the sponsoring company has a long record of breaking the law by not providing SH to its gaijin employees?
We know it, the Labor office knows it, and Immigration knows it. Big eikaiwas don't provide SH, but Immigration keeps stamping those work visas.

Why?

Figure it out yourself. Don't think too hard. :)

Good point. Those running the Eikaiwa industry do not seek individuals with excellent command of the English language or teaching talent. They look for docile, chipper yes men/women, who will put up with any amount of crap with a smile.

GABA avoids any responsibility for providing its workers with insurance/a living wage/prospects/dignity, by telling them they're freelance.

So, those teachers will now have the extra expense of Kenmin Hoken, which will bite into their already slender pay packets.

However, when they tell the folks at the ward office that they work "freelance" fifty hours a week, at a place which also hires thousands of other "freelancer full timers", I'm hoping, if the Union, and the Ward office jobsworths get their shit together, to ensure that their shit hits the fan, HARD. Because a company who hires so many staff should by rights have been paying Shakai Hoken, for years.

Is it too much, to dream, that GRABBA too, like the Bunny, is going down, with a fatal dose of FIXAMATOSIS???

Oh, how I'd laugh!

How to enforce it?
Japanese don't need VISAS to stay here! Heheheh!

Are there any confimed reports of people not having their visas renewed yet?

No, because the new guideline doesn't go into effect until next year.

Shawn
Let's Japan.org::Blog

Does the Immigration Buro make a difference between spousal/working visas, or not???

In answer to your question, I would not have a clue

Just shut up and keep serving up your daily quota of retard English is my advice

Johnnie THE FIST

I see that your rare participation in a topic only consist to correct people in their english level... That s all you can do in your poor life I suppose, Johnnie.
I am not a native english speaker, but thanks for the advice.
Still at Nova Gcom I suppose??? hahahaha

Johnnie is a good (frustrated) teacher !!!!!!!!!!!!!!!!!!!!!
Ah! I forgot....."The Fist"... in your face!

I corrected no-one, and nope, Johnnie THE FIST got out of the meaningless Eikaiwa world more than a decade ago.

I still take a vague interest in issues relating to it though, out of pure amazement that an industry that is so obviously a giant scam still manages to suck in people, and has them working away as gaigin retards serving language slops from the bottom of the barrel.

It’s sad really, but also kind of fascinating, how the Japanese will persist with something so appalling, even when it is clear to all, what a circus act eikaiwa really is.

That’s all for now. Until next time. J, J, J, J, JOHNNIE THE FIST

Ha! I see another loser here above. Why so many losers get involved in crappy eikaiwa industry?
That's obvious. Because they haven't got much brain and stupidly jump at the instant job. Losers.

Johnny THE FIST is spot on. All these Eikaiwa muppets will never learn. They are not real teachers, they are merely a vaudeville sideshow act - and a bad one at that. If you work in Eikaiwa for more than 12 months, you deserve to be deported. GO HOME EIKAIWA CLOWNS! STOP YOUR MOANING ABOUT BEING HARD DONE BY WITH THE INSURANCE, SALARIES, ETC.

Leave Japan to the real teachers like us, A$$HOLES. (And I am a real teacher - I work in a Kindergarden in Tokyo )

Steve

Thanks for the compliment Steve.

Johnnie THE FIST did his time, and likes your MUPPET analogy.

It is hilarious, really, that bat shit crazy eikaiwa industry, that resembles an unrehearsed pantomime, played by psychiatric patients, accompanied by an orchestra of lunatics.

How the hell does it even exist? After all these years? Still it is there? My God!

I have decided to call you Steve THE REAL, cause you seem to have at least got it, not like those other retarded assholes out there, living in fantasy land, spewing forth mother tongue and believing they are doing something legitimate.

God damn retards. Dime a dozen in Eikaiwa world.

Thanks, thanks again Steve THE REAL.

Adios

J,J,J,J,J, Johnnie THE FIST

Try to force our employers to pay up and we get sacked.Dob them in and nothing will happen.
Or we shut up and pay up.Seems we are screwed whichever way we cut it.
I`m all for paying BUT enforce the law and make everyone pay - employees and employers alike.

You both sound like you have been in Japan teaching a long time. Johnny you "did your time" in Eikaiwa and either "escaped or were parolled for good behavior." I am not sure what your educational background is but what do you do now? Are you still in education or did you move into another industry? In any case good for you, if you are happy. As in any company, there are good employees and there are slackers. Since you have experienced working in an Eikaiwa you should know this to be especially true. You do not have to sympathize with those in the Eikaiwa "racket" but you also do not need to be so critical. People have their own private lives and situations that they have to deal with.

Steve have you ever worked in an Eikaiwa? What are you basing your criticism/bashing of Eikaiwas on? If you have never "been there and done that" then who are you to judge. Oh I forgot you teach in a kindergarden in Tokyo. I am sure that you never have to "perform" in front of your class of toddlers. How long have you been teaching in Japan? Oh really, that is a long time. I am sure that is why there are so many Japanese who are fluent in English, especially in the Tokyo area.

Yes I have experience working in Eikaiwas ... and at undergraduate institutions in Japan...and teaching corporate classes...and conducting training seminars...and teaching in the Japanese public school system...and I have TESOL and TEFL degrees...AND I have empathy for my fellow man who may be in a difficult situation and doing the best he can for the time being!!! (no offense ladies by my use of "man" and "he")

Good Night All!

Jonnie and Steve:

You seem to be two well informed individuals about Eikaiwa industry affairs. What do you think about Gaigin who become management in these companies and dedicate themselves to the profession?

I look forward to your thoughtful responses.

-Luke

Plenty of nut jobs serving language slops from the bottom of the language barrel in Japan, can claim what you claim Touche, in terms of work experience, but I must remind you, you can’t polish a turd, but you can roll it in glitter. Empathy for your fellow workers, who find themselves stuck in retardsville, is not a prerequisite for working in that infamous eikaiwa sideshow, and those that do elect to climb the rice paper ladder, notoriously have anything but empathy for their fellow workers. And finally, teaching English as a foreign or second language qualifications are also by and large quite uniquely irrelevant in Japan.

Adios

J, J, J, Johnnie THE FIST

Well Luke, I found, by and large, the mini-neo nazi managers that haunt the corridors of eikaiwa had very little empathy for their fellow workers, and in addition, were appallingly unqualified (in terms of relevant qualifications) and totally inexperienced (in terms of effectively managing people and teaching). As far as I am concerned, they should all be rounded up, and charged with educational and personnel management war crimes.

J, J, J, Johnnie THE FIST

Would it be fair to say that the Eikwaiwa management and those who boast TESOL, TOEIC or TEFL certificates are just top turds on a pile of shit?

-Luke

No Luke, my experience taught me that the managers of eikaiwa could be divided into five broad classifications, all of which commonly inhabit shit:

(a) E Coli Grade
(b) Salmonella
(c) Rota Virus
(d) Giardia
(e) Cryptosporidium

The one to look out for was the infamous and notorious “Rota Virus Eikaiwa Manager”, “Rota Virus” being the most common cause of rapid and mass evacuation of the bowels on the planet.

Once the hapless turd instructor allowed a “Rota Virus Eikaiwa Manager” into his/her psychology, without even being fired, rapid excretion from the infested bowel that is eikaiwa was inevitable, unless of course one voluntarily nominated oneself for a frontal lobotomy of the soul and spirit of course (the only known treatment).

J, J, J, Johnnie THE FIST

Why do so many schools try to lure foreign people into their housing schemes? Is this a benefit or a real estate deal for them? I'd like to see some input on this because I find it a little odd.

Obviously if the government is going to enforce this visa connection on the individual applying for the visa and not the cmpany hiring the person it is an attempt to get rid of some foreigners without bothering the business environment. Does anybody else have some thoughts about this?

Probably because most new instructors can't afford to pay the deposits involved.

Shawn
Let's Japan.org::Blog

Who will be responsible for making the employer pay? The employee? Ha. Sure, the employee asks the employer to pay the insurance and is then let go for creating bad feelings. Ha ha ha!

to keep a steady supply of low wage earners on hand.

I don't mean to offend you Touche, but you seem out of touch, and, dare I say it, a little bit on the retarded side. How long have you been in Eikaiwa? Perhaps you should consider calling it a day. I was in a similar position once. Don't worry. After a bit of soul searching and mental discipline rebuilding, there is something out there for you, beyond the crazy world of Eikaiwa. You can do, you really can. I did. We all can. Jane

To be honest, I have no problems paying into the health insurance scheme. I have no problem using Japanese hospitals and have used them for as long as I have been here and paid upfront.
However, I would like that if this rule becomes a requirement, that the government forgo the years unpaid and start from scratch. The government should have been getting paid, but frankly, there are enough Japanese that haven't been paying into the system. If the money is taken out of my salary and my company can be trusted to give the money to the government despite any "teaching" jobs efforts to get around the rules and even make it seem like this rule is not a real rule. I did an interview with one company that said Health Insurance wasn't required. So, to be fair, I think foreigners should have to pay for health insurance as it is the law, but I think that since Japanese companies fail to enroll their employees and (despite the beauty of sites like LetsJapan) the government should have acted more like a watchdog preventing this from happening in the first place. So, to appease at least two sides (sorry "teaching" jobs), if the government dropped the back pay portion of enrollment, I think it is only fair that foreigners enroll in the program. Of course there are other concerns that must be addressed, like charges based on residence vs. salary, etc...

So, I went to the National Insurance division of my local city office today to ask about joining the insurance scheme. Mostly I was concerned about the huge back payment rumors that have been going around, especially since I have been signed up for a private insurance scheme through my company. What I found out was most shocking; if you can prove that you were enrolled in any form of health insurance (even the cheap ones that all the companies try to get their foreign employees to sign up for), and if you sign up for National Insurance within two months of canceling/not renewing that insurance, you don't have to pay a single yen in back payments, even if you've been living in Japan for years and years.

When you go to sign up for the insurance, be sure to bring your insurance card from the company insurance that your Eikaiwa school or dispatch company got you to sign up for, and (if you can get it) a document stating when you canceled/chose not to renew your insurance (if you can't get the document, the expiration date on your insurance card is proof enough), along with other necessary documents, and you won't get any back payment fines.

Sorry to say, but I think that rumors about city officials pounding on doors and forcing foreigners to sign up for National Insurance, is false. And I really feel sorry for this "Patrick Johnson" guy, but I heard the words directly from the clerk at the National Insurance division myself. If he was enrolled in any form of private insurance, he shouldn't have had to pay anything to join kokumin kenko hoken, unless he had not been covered at all for more than 2 months before signing up for it.

I second the above - I was told that by an office in Aichi.
But unless I misunderstand, paying into the health insurance will be enough to renew, not the pensions - right?
I all ready pay the health, have done for the past ... 5 ... Years, I forget, but I would never pay into the pensions. Why?
Because I'm never going to see it. Yes, I know I can get a whole 200,000 back when i leave the country, but as pensions set you back about 20,000 a month - that's less than a years worth! How much can the gov supposedly charge as back pay? 2 years? Don't make me laugh. Give me 2 years when I leave. But the government doesn't need to be 'fair' to foriegners - we have no REPRESENTATION!
And I'm honestly surprised that the GU is supporting this action. History is littered with minorities being discriminated against, and we shouldn't be saying, "ok, here's my 2 years back pay sir, sorry sir, won't happen again sir" - we should be saying "hell no" and fighting our corner.
I have an idea - give us the same rights as Japanese workers, give us the VOTE, and then we can talk about it.

And breathe. Rant over.

To be real you can see it by yourself that you don't work when you are weak. Just examine the look of Englishmans and you can see on their faces that these people will, steal, advertise, lie, cheat and fight just to get the money. But they are not producers. USA is some kind of English colony and they have just experienced lately some recession which may never end due to their politics. You can see that these people gained more by fighting with other countries and with people manipulation than actually work for it.

Pico:
Thanks for your wonderful insight. If you are a foreign language instructor in Japan, then you don't work nor produce anything of value either.

Luke

Subscribe to Comments for "The Coming Spring Shock"