The method of determining and paying long-term care insurance premiums differs for Category 1 insured persons (ages 65 and over) and Category 2 insured persons (ages 40 to 64).

table of contents

1. Persons aged 65 and over (Category 1 insured person)
How to determine long-term care insurance premiums for Category 1 insured persons (those aged 65 and over)
How to pay long-term care insurance premiums for category 1 insured persons (those aged 65 and over)
Special collection (withholding from pension)
Ordinary collection (account transfer or payment slip payment)
Payment by account transfer, application procedure
Things to keep in mind about account transfers
Payment by payment slip
About long-term care insurance premiums when you change your address
When you move from Nakano Ward to another municipality
When you move into Nakano Ward from another municipality

2. Those aged between 40 and 64 who are enrolled in medical insurance (secondary insured person)
How to decide long-term care insurance premiums for category 2 insured persons
How to pay long-term care insurance premiums for Category 2 insured persons

1. Persons aged 65 and over (Category 1 insured person)

How to determine long-term care insurance premiums for Category 1 insured persons (those aged 65 and over)

The long-term care insurance system is funded by public funds (50%) for the cost of long-term care services, insurance premiums for primary insured persons (23%), and premiums for secondary insured persons (27%). I'm here.
Long-term care insurance premiums for Category 1 insured persons are calculated based on the costs required for long-term care services in municipalities. The base amount of long-term care insurance premiums for those aged 65 and over is calculated based on the estimated cost of long-term care services in Nakano Ward's long-term care insurance business plan, and is stipulated by ordinance. From 2021, the base amount for long-term care insurance premiums is 68,710 yen (annual amount).
Each person's long-term care insurance premium amount is divided into 17 levels as shown in the table below, depending on the income of the individual and the taxation status of residence tax of the household. The amount of insurance premium for each stage is determined by multiplying the standard amount of long-term care insurance premium of 68,710 yen by the rate of each stage.

Stage classification of long-term care insurance premium

step	Division	premium rate	Annual long-term care insurance premium	Average monthly premium for long-term care insurance (reference)
1st stage	The person is a welfare recipient, the recipient of support benefits for Japanese remaining in China, etc., or the person is an old-age welfare pension recipient and the whole household is exempt from special ward tax	0.3	20,600 yen	1,716 yen
	All members of the household are exempt from special ward tax, and the total amount of income from public pensions, etc. and other total income is 800,000 yen or less
2nd stage	All members of the household are exempt from special ward tax, and the total amount of income from public pensions, etc. and other total income exceeds 800,000 yen and is 1,200,000 yen or less	0.35	24,000 yen	2,000 yen
3rd stage	All members of the household are exempt from special ward tax, and the total amount of income from public pensions, etc. and other total income exceeds 1.2 million yen	0.65	44,600 yen	3,716 yen
4th stage	The person is exempt from special ward tax, the total amount of income from public pensions, etc. and other total income is 800,000 yen or less, and other household members are subject to special ward tax	0.85	58,400 yen	4,866 yen
5th stage	The person is exempt from special ward tax, the total amount of income from public pensions, etc. and other total income exceeds 800,000 yen, and other household members are subject to special ward tax	1.00	68,700 yen	5,725 yen
6th stage	The person is subject to special ward tax, and the total income amount is less than 1,250,000 yen	1.10	75,500 yen	6,291 yen
7th stage	The person is subject to special ward tax, Total income amount is 1.25 million yen or more and less than 1.5 million yen	1.20	82,400 yen	6,866 yen
8th stage	The person is subject to special ward tax, Total income amount is 1.5 million yen or more and less than 2 million yen	1.35	92,700 yen	7,725 yen
9th stage	The person is subject to special ward tax, Total income amount is 2 million yen or more and less than 3.5 million yen	1.50	103,000 yen	8,583 yen
10th stage	The person is subject to special ward tax, Total income amount is 3.5 million yen or more and less than 5 million yen	1.70	116,800 yen	9,733 yen
11th stage	The person is subject to special ward tax, Total income amount is 5 million yen or more and less than 7 million yen	2.00	137,400 yen	11,450 yen
12th stage	The person is subject to special ward tax, Total income amount is 7 million yen or more and less than 10 million yen	2.30	158,000 yen	13,166 yen
13th stage	The person is subject to special ward tax, Total income amount is 10 million yen or more and less than 15 million yen	2.60	178,600 yen	14,883 yen
14th stage	The person is subject to special ward tax, Total income amount is 15 million yen or more and less than 20 million yen	3.00	206,100 yen	17,175 yen
15th stage	The person is subject to special ward tax, Total income amount is 20 million yen or more and less than 25 million yen	3.50	240,400 yen	20,033 yen
16th stage	The person is subject to special ward tax, Total income amount is 25 million yen or more and less than 30 million yen	3.60	247,300 yen	20,608 yen
17th stage	The person is subject to special ward tax, Total income amount is 30 million yen or more	3.80	261,000 yen	21,750 yen

A “household” here means all the people listed in the same resident card. A “household member” is someone other than the person listed on the resident card.
"Special ward tax" here includes "municipal tax".
The old-age welfare pension is a pension that is paid to those who were born before April 1, 1911, and who cannot receive other pensions.
Public pensions, etc. in the table above do not include tax-exempt pensions such as survivors' pensions and disability pensions.
The "total income amount" used to determine insurance premium calculation is the total amount after deducting the amount equivalent to necessary expenses (calculation method differs depending on the type of income) from the amount of income such as pensions, salaries, dividends, etc. (This is the amount before income deductions such as deduction for dependents, deduction for medical expenses, deduction for social insurance premiums, basic deduction, etc. If there is income from the transfer of land or buildings, the amount after special deductions. previous amount). In addition, if the total income amount is less than 0 yen, it will be considered as 0 yen.
The total amount of income from the 1st to 5th stages is the amount after deducting the income related to pension income. Also, if you have employment income, deduct 100,000 yen from the amount before income amount adjustment deduction under the local tax law (if it is less than 0 yen, it will be 0 yen) to calculate the total income.
The total income amount from the 6th stage to the 17th stage is the total income after deducting 100,000 yen from the total of employment income and miscellaneous income related to public pensions (if it is less than 0 yen, it will be 0 yen) Calculate

How to pay insurance premiums for category 1 insured persons (those aged 65 and over)

There are two payment methods: special collection (withholding from pension) and ordinary collection (account transfer, payment slip payment).
Long-term care insurance premium of person receiving pension becomes principle, special collection and cannot do choice with special collection and normal collection by hope of the person.

Special collection (withholding from pension)

Those who receive old-age/retirement pensions, disability pensions, and survivors' pensions of 15,000 yen per month (180,000 yen per year) or more will be required to pay long-term care insurance premiums by deducting from their pensions. not deducted).
However, even if you are receiving the target pension, the following people may be temporarily required to pay by ordinary collection (account transfer, payment slip payment).

If you move from another ward or municipality for a certain period of time after turning 65 If your insurance premiums decrease in the middle of the year If you receive a loan with your pension as collateral, etc.

Ordinary collection (account transfer or payment slip payment)

If your old-age/retirement pension, disability pension, or survivor's pension is less than 15,000 yen per month (180,000 yen per year), or if it is not deducted from your pension, you will be asked to pay by account transfer. When fund transfer is not possible, please put with payment notice.
Withdrawals are automatically debited from your savings account, saving you the trouble and time of going to pay and never forgetting to pay.

Payment by account transfer, application procedure

Procedure by cash card

If you have a cash card from the following financial institutions, you can easily complete the procedure.
No registration stamp is required. Please go to the 6th window on the 2nd floor of the ward office or the local office .

Target financial institution

Mizuho Bank, Mitsubishi UFJ Bank, Sumitomo Mitsui Banking Corporation, Resona Bank, Saikyo Shinkin Bank, Seibu Shinkin Bank, Japan Post Bank

What you need for the procedure

Cash card of a target financial institution (for a savings account. However, there are cards that cannot be used, such as proxy cards and biometric authentication cards.)

Procedure using the bank transfer request form

Please fill in the necessary information on the designated account transfer request form (copy), affix the notification seal, and apply to the financial institution where you have an account (If it is difficult to go to the financial institution, bring it to the Nursing Care Qualification Insurance Premium Section. or send it to us).
If you contact us, we will send you a bank transfer request form.

Target financial institution

Accounts of banks (including Japan Post Bank), credit unions, some financial institutions of credit unions (other than public money collection stores in special wards), and Internet-only banks may not be designated.
If you have any questions, please contact the Nursing Care Qualification Insurance Fee Section.

What you need for the procedure

Savings passbook (for ordinary savings), registered seal

*You can download the bank transfer request form from the city website. Submit the downloaded bank transfer request form to the Nakano Ward Office 2nd Floor Nursing Care Qualification Insurance Premium Section by mail or in person.

Click here to download the bank transfer request form

Procedures using AIRPOST (service for smartphones)

If you use AIRPOST, you do not need to fill out the bank transfer request form or submit your seal. To register for AIRPOST, you need to download the +Message app. See below for details.

Use AIRPOST to easily transfer funds from your smartphone

Things to keep in mind about account transfers

transfer date

Last day of every month. If the last day falls on a bank holiday, the next business day.
Please deposit by the day before the transfer date.
If the payment cannot be made on the transfer date due to lack of funds, etc., the payment will be withdrawn the following month for two months (three months cannot be withdrawn).

Account transfer start time

Around the 20th of the month when the account transfer is to be started, the Nursing Care Qualification Insurance Premium Section will send a "Notice of Starting Account Transfer".
If you receive the notice, please discard the payment slips after the start month.
If you use a cash card, the account transfer will start from the next month after the procedure.
In addition, in the case of procedures using the bank transfer request form, the bank transfer will start from the following month if the procedure is performed in the first half of the month, and from the month after next if the procedure is performed in the second half of the month.

Transferred notification

Once a year, in December, we will send you a “Nursing care insurance premium bank transfer notice”.
Please check your bank book for the monthly transfer amount.

Payment by payment slip

If you cannot make a bank transfer because you do not have a savings account at a financial institution, etc., you will be asked to pay using the prescribed payment slip.
The premium payment deadline is the last day of each month. However, if the last day falls on a holiday of the financial institution, it will be the next business day.
If you have lost your payment slip, please contact the Nursing Care Qualification Insurance Premium Section so that we can reissue it.

You can use PayPay bill payment, LINE Pay bill payment, auPay bill payment, d payment bill payment and J-coin bill payment by smartphone.
You can pay at home 24 hours a day by simply reading the barcode printed on the payment slip with the PayPay app, LINE Pay app, auPay app, d payment app, or J-coin app on your smartphone.
For details, please see "Taxes and insurance premiums in Nakano Ward will be able to be paid by smartphone payment" .
It is not a smartphone payment that is performed by presenting or reading a QR code at the "place where you can pay with a payment slip" below. Please be careful.

Where you can pay with a payment slip

Banks, credit unions, credit unions (special ward public money collection agents)
Special Ward Designated Financial Institutions Japan Post Bank located in Tokyo, Yamanashi Prefecture and Kanto Prefectures, each post office Nakano Ward Office and each regional office
Convenience stores below (limited to payment slips with a barcode printed on the surface)

Seven-Eleven Daily Yamazaki Family Mart Poplar Group Ministop Yamazaki Daily Store Lawson
MMK installation shop

About long-term care insurance premiums when you change your address

As a general rule, premiums for long-term care insurance should be paid to the municipality where you live, which is the insurer (except when you are admitted to a special facility for your address).

When you move from Nakano Ward to another municipality

When you move to general housing

Long-term care insurance premiums in Nakano Ward must be paid up to the month before the month of moving out. We will send a notice of change in long-term care insurance premiums to your new address.

If long-term care insurance premiums are deducted from your pension, it will take about 3 months before the special collection is suspended.
Overpaid insurance premiums deducted from your pension will be refunded or applied to unpaid premiums.
In that case, we will inform you separately.

When you move out to a special facility in your address

For those who moved from Nakano Ward to a special facility outside of the Ward, Nakano Ward will continue to be the insurer of long-term care insurance even after moving out.
Exception to address is an exception for those who have entered or moved into a nursing care insurance facility and have moved to the location of the facility, as an exception, implemented by the municipality (insurer) of the address before entering the facility It is a system to become an insured person of long-term care insurance.

(Facilities subject to special address exception)

1. Long-term care insurance facilities (long-term care welfare facilities for the elderly (special nursing homes for the elderly), long-term care health facilities for the elderly, long-term care clinics, long-term care medical facilities)
However, community-based nursing care welfare facilities for the elderly are excluded from nursing care welfare facilities for the elderly.

2. Specific facilities (paid nursing homes, low-cost nursing homes)
However, community-based specific facilities are excluded.

3. Nursing home for the elderly However, this is limited to residents who have been admitted to the facility according to Article 11, Paragraph 1, Item 1 of the Elderly Welfare Law.

Four. Housing for the elderly with services However, those who moved in after April 1, 2015 are eligible for the special address.

When you move into Nakano Ward from another municipality

When moving into general housing

You will be required to pay Nakano Ward Nursing Care Insurance premiums from the month you move in.
Notifications of long-term care insurance premiums will be sent in the month in which you submitted your moving-in notification, or in the following month.

When you move into a residential special facility

If you move from another ward or municipality to a special facility in Nakano Ward, your previous address will continue to be your insurer for long-term care insurance.
You will also be required to pay nursing care insurance premiums to your previous address.

2. Those aged between 40 and 64 who are enrolled in medical insurance (secondary insured person)

How to decide long-term care insurance premiums for category 2 insured persons

Long-term care insurance premiums for those aged 40 to 64 are determined by the medical insurance they are enrolled in. The amount of long-term care insurance premiums for each person is calculated according to their salary and income.
For long-term care insurance premiums for those aged 40 to 64, please contact your medical insurance.
If you are enrolled in Nakano Ward's National Health Insurance, please contact the National Health Insurance Section.

How to pay long-term care insurance premiums for Category 2 insured persons

Long-term care insurance premiums for those aged 40 to 64 are collected together with medical insurance premiums.
If you fail to pay your insurance premiums, you may be at a disadvantage when using nursing care services, just like Category 1 insured persons. Please be careful not to forget to pay.