AllSetGo
HomeJust Arrived in JapanStudent Payment Exception for National Pension

Student Payment Exception for National Pension

Students can apply to have their National Pension contributions deferred while enrolled. It turns on the applicant's own income for the previous year — family income is not counted. This application is separate from enrolling in the National Pension.

💡

Showing common documents only

Complete the situation questionnaire to see a personalized document list for your visa type and employment status

See the documents you need (4 questions · 1 min)

Eligibility Check

You qualify as a student whose own income for the previous year was below the threshold. Only the applicant's income counts — family income is disregarded (¥1,280,000 + ¥380,000 per dependent + social insurance deductions)

📋

Documents needed

Student Payment Exception application form (download from the Japan Pension Service site, or pick one up at the counter)
An enrollment certificate (original) showing your period of study, or a copy of your student ID — include the back if it shows the expiry date, year, and enrollment date. Not needed as an attachment if you show it at the counter
Your Basic Pension Number notification or pension book — anything showing the number
If applying with My Number: your My Number card, or else a document showing the number plus photo ID (driver's licence, passport, residence card)
If applying because you left a job: a copy of your employment insurance qualification certificate, notification, or separation slip
🗂️

Steps

1

Get an enrollment certificate (original) or a copy of your student ID

2

Download the form from the Japan Pension Service site or collect one at the counter — you can also fill it in on Nenkin Net and print it

3

Submit it to the National Pension desk at the city or ward office where you are registered, to a pension office, or to your school if it is authorised to handle these applications. Post and online filing also work

4

You are notified of the decision

⚠️

Important notes

Universities and graduate schools, junior colleges, high schools, technical colleges, special needs schools, specialised training colleges and miscellaneous schools with courses of a year or more, and some Japanese branches of overseas universities all count — including evening, part-time and correspondence courses. The official list of eligible schools confirms it

An approved period counts toward the ten years of coverage needed to receive the Old-age Basic Pension, but not toward the calculation of the amount. A full Old-age Basic Pension requires 40 years of paid contributions

You can pay the deferred contributions later, within ten years. From the third fiscal year after the approved period onward, an amount is added on top of the original contribution to reflect the time elapsed

Applying late can cost you the Disability Basic Pension for an injury or illness arising before the application date. An approved period is otherwise treated like a paid period when the contribution requirement for Disability and Survivor's Basic Pension is assessed

Applications are assessed for April through the following March (or the previous April through March if you apply between January and March). You can apply retroactively for any period still within two years of its payment deadline. Each fiscal year needs its own form

Payment slips are sometimes sent even when you file this application at the same time as enrolling in the National Pension

If you stop being a student during an approved period — by withdrawing, for instance — you have to report it

If you have not filed taxes on your previous year's (or the year before that) income, file a municipal tax return at the city or ward tax desk before submitting this application

Note the country and the dates in the form's remarks field if you moved into or out of Japan during the application period, or if you were living abroad on January 1 of the year you are applying for

Official info verified: 2026-09-17 / Source: nenkin.go.jp
See the documents you need (4 questions · 1 min)