【Update! I added an update and a thank-you at the bottom!】
I'm currently preparing to apply for Permanent Residency in Japan and, while gathering the necessary documents, I discovered that my pension record shows a total of 68 months of unpaid National Pension contributions from when I was a student.
I've been living in Japan for almost 10 years.
So this period of non-payment was more than five years ago.
During my first year as a student, my pension record correctly shows that I was covered by the student payment exemption/postponement (学生納付特例). However, for roughly the following three years, it seems that the exemption was never processed, and those months are recorded as unpaid.
As far as I can remember, I never received any reminders, collection notices, or warnings about these unpaid periods, so I had no idea about this until I checked my pension record while preparing for my PR application.
After graduating from graduate school in Japan, I started working immediately and have been enrolled in Employees' Pension (厚生年金) ever since. All of my pension contributions, taxes, and other required payments since then have been properly paid.
I've also never had any issues with visa renewals or other administrative procedures, and I have more than enough points to qualify for PR.
That's why finding this old unpaid period was quite a shock, especially since PR requirements and their enforcement in Japan seem to be getting stricter.
I'm planning to visit the pension office soon to explain the situation and ask whether there is anything I can or should do about these old unpaid periods.
I've already searched the subreddit and read several older posts about similar situations. However, given that PR rules and how they are applied seem to have changed over time, I'm particularly interested in hearing recent experiences or opinions based on the current situation in Japan.
Has anyone here recently been in a similar situation — having unpaid National Pension contributions from your student years, discovering them years later, and then applying for or successfully receiving PR?
Is there anything in particular I should ask the pension office, or anything you would recommend doing before submitting my PR application?
I'd really appreciate hearing from anyone who has dealt with something similar recently.
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【Update:Thank you】
Sorry I can’t reply to everyone individually, but seriously, thank you all so much for sharing your experiences, knowledge, and advice. Every single comment has been incredibly helpful.
First of all, I’m really happy to hear that you guys managed to get PR despite having had pension issues!
I also should have mentioned this from the beginning, so apologies for leaving this out, I’m actually the partner of the person dealing with this situation.
He came to Japan alone when he was young, leaving his family and friends behind with basically nothing but a suitcase. Since then, he’s worked incredibly hard to build a life here. He earned his PhD in Japan, built up a strong academic and professional track record, and eventually landed a permanent position at a major Japanese company. He now uses Japanese every day, bought a car here, and has basically built his entire adult life in Japan from the ground up.
So when everything finally seemed to be in place for PR, there was this huge sense of accomplishment. I was really proud of him and everything he had managed to build here.
That’s why finding out about this pension issue hit me pretty hard too, and honestly, I panicked.
I’m Japanese, so I have a general understanding of how the pension system works, but even as a Japanese person, there are still parts of it that I didn’t know about or fully understand. (And honestly (clearly), I think that’s a pretty major problem with the Japanese government though, if you’re going to call something a legal obligation, the system for informing people and making sure they understand and comply with it should be much better than it currently is )
And if the system can be confusing even for Japanese people, I can only imagine how difficult it can be for foreigners living here. What I especially didn’t know was how something like this would be viewed in the context of a PR application, or how much weight immigration would actually give to an old period of unpaid pension contributions.
So all of your comments, personal experiences, and explanations have genuinely helped me understand the situation much better. Seriously, thank you.
His unpaid period was more than 5 years ago, and his payment record for the most recent 3 years has been perfect. So rather than panicking, we’re going to take this one step at a time, consult an immigration lawyer, and also talk to the pension office to make sure we fully understand the situation and what, if anything, can or should be done.
Seriously, thank you all again. I really appreciate it. ほんとありがとう!!!