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賞与を除いた年収７９８万円以上の会社員らが支払う厚生年金の保険料を月額９０００円増額する方向で調整に入った
にほんブログ村
Hello, this is Yasui, the president of a small company specializing in the inspection of high-pressure gas equipment.
It seems that social insurance premiums are set to rise again...
This was reported in yesterday's newspaper.
"Welfare Pension Insurance Premiums for Those Earning ¥7.98 Million Annually or More to Increase by ¥9,000 Per Month: Related Bill to Be Submitted to the Ordinary Diet Session"
According to the article:
"Adjustments are underway to increase the monthly welfare pension insurance premiums by ¥9,000 for employees earning ¥7.98 million annually, excluding bonuses."
When they say "adjustments are underway," it’s safe to assume that this is almost certain to go into effect.
For reference, this applies to those earning a monthly salary of ¥665,000 or more.
As Japan works on efforts to raise wages nationwide, an increase in welfare-related expenses might offset these efforts, effectively making it a net zero gain for individuals.
It’s worth noting that welfare pensions are not taxes but insurance.
Since it's "insurance," we pay premiums for it every month.
Just like private insurance, paying for it every month isn’t inherently wasteful—it’s the norm.
If the premium increases by ¥9,000 and is paid over 10 years, the calculation shows a monthly increase of ¥5,000 in benefits.
However, I became curious as to why this increase was necessary and did some research. The only explanation I could find was "to improve pension finances."
For those earning ¥7.98 million annually, their take-home pay amounts to around ¥6 million (bonuses excluded). With this change, they’ll bear an additional monthly burden of ¥10,000 to ¥30,000.
Including the company’s portion, the total additional burden could be as much as ¥60,000.
If financial improvement can only be achieved by increasing premiums, then isn’t the system itself fundamentally flawed?
The gears of this system appear misaligned, yet no one seems to stop or fix them; instead, it feels like everything is being patched up just to maintain the appearance of stability.
It’s hard not to feel like the older generation is benefiting unfairly and escaping responsibility.
Why is it that only that generation gets to enjoy life without the burdens we face? It’s incomprehensible.
If we can’t pay, or if we’re overpaying, the solution should be to reduce the burden. Why isn’t this happening?
It’s similar to how nothing can come from a resource once it’s depleted.
The excessive medical and pension expenses being collected are a result of the current elderly population. It’s only fair that they bear some of that burden.
I also think Japan’s education system, which stigmatized the act of earning money, is partially to blame.
It’s unjust to shift that burden onto our generation.
Today’s Takeaway:
"Social insurance and welfare pensions are collapsing as systems. It’s time to stop patching them up and start from scratch."
See you next time!
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