Does inflation lead Lump-sum Pension Refund to its rise?

By | 01/09/2024

The amount of lump-sum pension refund is decided by how much you contributed in the past

In recent years Japanese economy has faced an inflation of prices.
For Japanese old age pensions there is a system of indexation (called “price slide (物価スライド)”), through that payments of old age pensions will be adjusted following price rises.
However, lump-sum pension refund (Lump-sum Withdrawal Payments) does not have such a system of indexation.

The amount of lump-sum pension refund is decided according to how much you contributed to Kosei Nenkin (employees’ pension) and/or Kokumin Nenkin (general pension system) when you were in Japan, not influenced by the rate of inflation at the time you claim and receive it.

Lump-sum pension refund will rise according to a rise of wage and salary

But an inflation should influence the amount of lump-sum pension refund, although indirectly.
Rising of prices inevitably leads employees’ wages and salaries to a rise with some time lag. Add to that a recent devaluation of Japanese Yen forces Japanese companies that hire non-Japanese employees to raise their wages and salaries further.

Rising of non-Japanese employees’ wages and salaries also means the rising of “Standard Remuneration (*)”, that decides how much employees contribute (or get withheld) to Japanese pensions. More contribution of Japanese pensions will end up with more payback, that is, more lump-sum pension refund.
(*) For details of “Standard Remuneration” please see this article of our blog.

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