Disability pension
Disability pensions are
This is a pension that can be received by people of working age as well if their lifestyle or work is restricted due to illness or injury.
There are two types of disability pension: "Basic Disability Pension" and "Employees' Disability Pension." If you were enrolled in the National Pension Plan when you first saw a doctor for illness or injury, you can claim "Basic Disability Pension." If you were enrolled in the Employees' Pension Plan, you can claim "Employees' Disability Pension."
In addition, if you are left with a disability that is less severe than that which qualifies for disability employees' pension insurance, there is a system in place that allows you to receive disability allowance (lump sum).
Also ,
In order to receive disability pension, there are certain conditions, such as pension payment status.
Those receiving the Basic Disability Pension or Employees' Disability Pension (limited to those with a disability level of 1 or 2) are exempt from paying national pension insurance premiums ( statutory exemption system for national pension insurance premiums ). (From the Japan Pension Service website)
Applying for disability pension is a complex and arduous process. It requires clearing various requirements, such as preparing the necessary documents, meeting submission deadlines, and obtaining a medical certificate. Even a small mistake can result in your application being rejected. Furthermore, the review period is long, which can be stressful and stressful while waiting for the results.
Due to the difficulty of the process, many people are unable to apply on their own.
At Bokumakuhari, Iwasaki, who works on many cases at the pension office every day, will relieve you of any anxiety or stress you may have about the application process and help you proceed smoothly!
Please feel free to use our free consultation service first.
Three things you need to do to receive benefits
01
Confirmation of first consultation date
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The first visit date for the illness or injury that caused the disability must be between the following dates:
・Period of enrollment in the National Pension System before the age of 20 or period between the ages of 60 and 65 while living in Japan and not enrolled in the pension system
Date of first medical examination This refers to the date on which a patient first received medical treatment from a doctor for the illness or injury that caused the disability or death. If a patient changes doctors for the same illness or injury, the date on which the patient first received medical treatment from a doctor is considered the date of first medical examination.
02
Have you paid your insurance premiums properly?
On the day before the first medical examination, the period of insurance coverage up to the month before the month in which the first medical examination occurs must be two-thirds or more, including the period in which you have paid National Pension insurance premiums (including the period insured under Employees' Pension Insurance and the period in which you were a member of a mutual aid association) and the period in which you have been exempt from insurance premiums.
However, if the first consultation date falls before April 1, 2026, and you are under 65 years old on the first consultation date, you are only required to have no unpaid insurance premiums in the past year up to the month before the month in which the first consultation date falls on the day before the first consultation date.
In addition, if the first medical examination date occurs during the period before the age of 20 when you were not enrolled in the pension system, there is no payment requirement.
03
Does it qualify for a disability rating?
The state of the disability must be Grade 1 or Grade 2 as defined in the disability rating table on the date of disability certification (or on the date of turning 20, if the person turns 20 after the date of disability certification).
Disability Certification Date This refers to the date on which the condition of the disability is determined. It is the date one year and six months after the first medical examination for the illness or injury that caused the disability, or the date on which the illness or injury has been cured (symptoms have stabilized) within one year and six months. If any of the following dates occur within one year and six months from the first medical examination, that date will be considered the "disability certification date." If you are undergoing dialysis, the date three months after the first dialysis session. If you have had an artificial femoral head or artificial joint inserted or replaced, the date of insertion. If you have had a cardiac pacemaker, implantable cardioverter defibrillator (ICD), or artificial valve inserted, the date of insertion. If you have had a colostomy or urinary diversion, the date six months after the date of insertion or surgery. If you have had a neobladder inserted, the date of insertion. For limb disabilities due to amputation or severance, the date of amputation or severance is the general rule (for disability benefits, the date the wound heals). For total laryngectomy, the date of severance. For home oxygen therapy, the date home oxygen therapy began.
What is the disability rating table?
Disability pension claim procedure
STEP 1
inquiry
1. Contact us by phone, email, etc.
2. Arrange a date and time for a free consultation
1. Hearing about medical history, symptoms, etc.
2. Consideration of eligibility
3. Contract, explanation of fees, filling out power of attorney (used when checking pension records), explanation of work schedule
■What to bring■ ●Documents showing your pension enrollment record (pension book, pension regular mail, etc.) ●Medical certificates and medical records (if already obtained) ●Medical certificates and medical records from all hospitals you have visited (if multiple), such as your medication record, disability certificate, traffic accident certificate, industrial accident certificate, workplace health checkup records, etc. ●Authenticity seal
STEP 2
interview
Please contact us using the inquiry form or by phone.
Our contact form allows you to enter detailed information about you so that we can provide you with a precise response.
If you call, we will ask you for information such as your name, date of birth, name of injury or illness, current symptoms, progression of symptoms since onset, date of first consultation and name of hospital, and the pension system you were enrolled in on the date of first consultation, and then we will determine whether you are eligible for disability pension.
If you are likely to be eligible for disability pension and would like our office to handle the procedures, you will proceed to the next interview.
We will meet you in person and conduct a face-to-face interview.
We will ask you in detail about your symptoms and progress to date, your daily life, etc. You can also feel free to ask any questions you may have, such as concerns or worries about disability pensions.
Interview time: 1 to 2 hours
STEP 3
Checking pension records
1. Pension record investigation at the pension office
2. Consideration of application method
STEP 4
Check with the hospital and make a request
1. Confirmation of first consultation and obtaining a certificate *
2. Preparation of documents for filling out the medical certificate
3. Request a doctor to prepare a medical certificate *
STEP 5
Preparation of a petition for medical history, employment status, etc.
1. Organizing medical history and treatment progress
2. Consider the points to fill in
3. Preparation of medical history statement
STEP 6
Preparing application documents
1. Obtaining family register, resident registration, etc. *
2. Fill out the application form
3. Final check of application documents
STEP 7
Claims Procedure
1. Submission of application documents
2. Response to inquiries after application
STEP 8
Disability pension payment decision
After receiving your pension certificate, contact our office.
STEP 9
Payment of rewards
If the decision is made not to pay, no compensation will be paid.
*This is a procedure that customers must complete.
Of course, we also provide advice and support.
If necessary, we can also request a medical certificate from a doctor and accompany you to the hospital (additional charges apply).
Costs
Initial fee*
If you request us to act on your behalf in filing a disability pension claim, we will charge you a retainer fee of 20,000 yen (excluding tax).
Rewards
We will only receive the prescribed fee if, as a result of your claim, you are able to receive disability pension .
In the case of arbitration claims (regular claims), the highest amount of either ①, ②, or ③ below will be the compensation.
① An amount equivalent to two months' pension (including the additional amount) (excluding tax)
② Retroactive payment: ① + 10% of the initial transfer amount (excluding tax) ③ 100,000 yen
If you are eligible for disability pension, 2 to 4 months' worth of pension will be deposited into your account first, and you will need to pay your salary from that amount .
*No compensation other than the initial fee will be paid if the client is unable to receive their pension.
*The cost of obtaining supporting documents such as certificates of medical examination status, medical certificates, and resident registration certificates will be borne by the customer.
*If travel outside of Tokyo is required, we may charge you the actual cost of transportation, etc. However, if you live far away, we can also make the claim on your behalf by phone (Zoom), email, or mail only .