Chapter III Insurance Benefits (Articles 43-5 to 44-3)
The law as Act Partially Amending the National Pension Act, etc., and Other Matters, to Strengthen the Functions of the Pension System in Light of Socioeconomic Changes (Act No. 74 of 2025) leaves it, with the words it changes marked.
The main text is read a page at a time: a chapter to a page, and a long chapter in runs of articles. The whole main text, and the supplementary provisions and appended tables this amendment changes. Those it leaves untouched are on the page for the text in force.
Article 43-5第四十三条の五
Article 43-5, paragraph (1)
Notwithstanding the provisions of the preceding Article, the revision of the post-base fiscal year revaluation rate during a term under adjustment has as its basis the rate arrived at when the rate set forth in item (i) is multiplied by the rate set forth in item (ii) (or, if the relevant rate is lower than 1, 1; hereinafter in this Article referred to as "post-base fiscal year calculation rate"):
price fluctuation rate (or, if the price fluctuation rate exceeds the rate of fluctuation in nominal net wages, the rate of fluctuation in nominal net wages);
物価変動率（物価変動率が名目手取り賃金変動率を上回るときは、名目手取り賃金変動率）
Article 43-5, paragraph (1), item (ii)
the rate arrived at when the adjustment rate is multiplied by the post-base fiscal year special adjustment rate in the year before the relevant fiscal year (or, if the relevant fiscal year is the base fiscal year, the special adjustment rate provided for in paragraph (5) of the preceding Article in the year before the relevant fiscal year; the same applies in item (i), (b) of the following paragraph and item (ii) of paragraph 3).
Notwithstanding the provisions of the preceding paragraph, the rate provided for in each of the following items is the basis for the revision of the post-base fiscal year revaluation rate set forth in each of those items in a term under adjustment:
the post-base fiscal year revaluation rate for the standardized remuneration in the previous fiscal year: the rate arrived at when the rate set forth in (a) is multiplied by the rate set forth in (b) (or, if the post-base fiscal year calculation rate is 1, the rate arrived at when the rate that has been arrived at as the product of the foregoing multiplication is multiplied by the rate arrived at when the number 1 is divided by the rate that is arrived at when the rate set forth in (c) is multiplied by the rate set forth in (b)):
the rate of fluctuation in the proportion of disposable income,
可処分所得割合変化率
Article 43-5, paragraph (2), item (i), (b)
the rate arrived at when the adjustment rate is multiplied by the post-base fiscal year special adjustment rate in the previous fiscal year,
調整率に当該年度の前年度の基準年度以後特別調整率を乗じて得た率
Article 43-5, paragraph (2), item (i), (c)
the price fluctuation rate (or, if the price fluctuation rate exceeds the rate of fluctuation in nominal net wages, the rate of fluctuation in nominal net wages);
物価変動率（物価変動率が名目手取り賃金変動率を上回るときは、名目手取り賃金変動率）
Article 43-5, paragraph (2), item (ii)
the post-base fiscal year revaluation rate for the standardized remuneration two or three fiscal years prior:the rate arrived at when the price fluctuation rate is multiplied by the rate set forth in (a) of the preceding item and the rate set forth in (b) of that item (or, if the post-base fiscal year calculation rate is 1, the rate arrived at when the rate that has been arrived at as the product of the foregoing multiplication is multiplied by the rate arrived at when the number 1 is divided by the rate that is arrived at when the rate set forth in (c) is multiplied by the rate set forth in (b)).
Notwithstanding the provisions of paragraph (3) of the preceding Article, the post-base fiscal year revaluation rate associated with the standardized monthly amount of remuneration for months that fall in the relevant fiscal year during a term under adjustment is established based on the rate arrived at when the post-base fiscal year revaluation rate associated with the standardized monthly amount of remuneration for months that fell in the fiscal year that preceded the relevant fiscal year (or, if the relevant fiscal year is the base fiscal year, the rate arrived at when the rate that has been arrived at as the product of the foregoing multiplication is multiplied by the rate arrived at when the number 1 is divided by the rate that is arrived at when the rate set forth in item (iii) is multiplied by the rate set forth in item (ii)) is multiplied by the rate set forth in item (i) and the rate set forth in item (ii):
the rate of fluctuation in the proportion of disposable income;
可処分所得割合変化率
Article 43-5, paragraph (3), item (ii)
the rate arrived at when the adjustment rate is multiplied by the post-base fiscal year special adjustment rate in the year before the relevant fiscal year;
調整率に当該年度の前年度の基準年度以後特別調整率を乗じて得た率
Article 43-5, paragraph (3), item (iii)
the price fluctuation rate (or, if the price fluctuation rate exceeds the rate of fluctuation in nominal net wages, the rate of fluctuation in nominal net wages).
物価変動率（物価変動率が名目手取り賃金変動率を上回るときは、名目手取り賃金変動率）
Article 43-5, paragraph (4)
Notwithstanding the provisions of the preceding three paragraphs, the revision or establishment of the post-base fiscal year revaluation rate in a case in which the price fluctuation rate or the rate of fluctuation in nominal net wages is less than 1 during the term under adjustment is subject to the provisions of Article 43-2, paragraph (3) and Article 43-3, paragraphs (1) and (2).
The post-base fiscal year special adjustment rate referred to in paragraph (1) through paragraph (3) means the rate established pursuant to the provisions of item (i) and revised pursuant to the provisions of item (ii).
the post-base fiscal year special adjustment rate in the base fiscal year is the rate arrived at when the rate set forth in (a) is multiplied by the rate set forth in (b):
基準年度における基準年度以後特別調整率は、イに掲げる率にロに掲げる率を乗じて得た率とする。
Article 43-5, paragraph (5), item (i), (a)
the special adjustment rate specified in the provisions of paragraph (5) of the preceding Article in the fiscal year before the base fiscal year;
基準年度の前年度の前条第五項に規定する特別調整率
Article 43-5, paragraph (5), item (i), (b)
the rate arrived at when the rate that is arrived at when the price fluctuation rate (or, if the price fluctuation rate is greater than the rate of fluctuation in nominal net wages, the rate of fluctuation in nominal net wages) is multiplied by the adjustment rate, is divided by the post-base fiscal year calculation rate (or, if the price fluctuation rate or the rate of fluctuation in nominal net wages is less than 1, the adjustment rate).
the post-base fiscal year special adjustment rate is revised every fiscal year based on the rate set forth in (b) of the preceding item.
基準年度以後特別調整率については、毎年度、前号ロに掲げる率を基準として改定する。
Article 43-5, paragraph (6)
Cabinet Order provides for measures to revise or establish the post-base fiscal year revaluation rate under the provisions of each of the preceding paragraphs.
Article 44, paragraph (1)（加給年金額）(Additional Amounts of Pension)Changed
Notwithstanding the provisions of Article 43, if, at the time that the beneficiary acquired the right to receive benefits (or, if the number of months of the insured period constituting the basis for the calculation of the amount of the employees' old-age pension was less than 240 at the time that the insured period beneficiary acquired the right to receive those benefits, at the time that the number of months had reached 240 months or more pursuant to the provisions of Article 43, paragraph (2) or (3), if ), the beneficiary had a spouse under the insured period constituting age of 65 who was receiving financial support from the basis for beneficiary (limited to the calculation case where that number of months is 240 or more), or if, at the amount oftime that the employees' old-age pension beneficiary acquired the right to receive benefits (or, if that number of months was less than 240 months120 at the time that the beneficiary acquired the right to receive those benefits, at the time that the number of months had reached 120 or more pursuant to the provisions of paragraph (2) or (3) of that Article; the same applies in paragraph (3)), the beneficiary had a spouse under the age of 65 or a child (limited to children of ages from birth until the first March 31 on or after the day on which the child reaches the age of 18, and to children under the age of 20 with disabilities classified as Grade 1 or Grade 2 of the disability grades provided in Article 47, paragraph (2) (hereinafter referred to simply as "disability grades" in this Article)) who was receiving financial support from the beneficiary, the amount of employees' old-age pension (limited to one calculated based on an insured period (limited to the case where that number of months is 120 or more), the amount of 240 months or more)the employees' old-age pension is calculated by adding an additional amount of pension to the amount provided for in that Article; provided, however, that if the beneficiary has a child to whose pension an amount child does not have a domicile in Japan (excluding the case where the child is added pursuant to the provisionsa person specified by Order of Article 33-2, paragraph (1) of the National Pension Act (unless the payment is suspended for the entire portion that the Ministry of Health, Labour and Welfare as a person, such as a student studying abroad, who does not have a domicile in Japan but who is equalfound to the additional amount to be paid for have a basis of living in Japan in consideration of the childpurpose of travel abroad and other circumstances), the payment of the portion equal to the additional amount to be paid for the child is suspended during that period.
Article 44, paragraph (2)（加給年金額）(Additional Amounts of Pension)Changed
The additional amount of pension under the preceding paragraph for a spouse as provided in that paragraph is the amount arrived at when 224,700202,200 yen is multiplied by the revision rate specified in Article 27 of the National Pension Act, revised as a rate to which the provisions of Article 27-3 and 27-5 of that Act do not apply (hereinafter referred to as the "revision rate" in this Chapter) (those amounts are to be rounded to the nearest hundred, with amounts less than 50 yen being rounded down, and amounts between 50 yen and 99 yen being rounded up; the same applies hereinafter in this paragraph); and the additional amount of pension under the preceding paragraph for children as specified in that the preceding paragraph is the amount arrived at when 74,900269,600 yen per child is multiplied by the revision rate (but, for up to two of those children, the additional amount of pension under the preceding paragraph is the amount arrived at when 224,700 yen is multiplied by the revision rate for each of them, rounded to the nearest hundred, with amounts less than 50 yen being rounded down and amounts between 50 yen and 99 yen being rounded up).
Article 44, paragraph (3)（加給年金額）(Additional Amounts of Pension)Changed
To apply the provisions of paragraph (1), once a child is born who was in utero at the time the beneficiary acquired the right to receive benefits, the child is deemed to have been receiving financial support from the beneficiary at the time the beneficiary acquired the right to receive benefits, and the amount of employees' old-age pension is revised from the month following the month of that child's birth.
Notwithstanding the provisions of paragraph (1), for an employees' old-age pension that has had an amount added thereto pursuant to the provisions of that paragraph, if the spouse or a child comes to fall under one of the following items, the additional amount of pension associated with that person that is referred to in that paragraph is not added, and the amount of pension is revised from the month following the month in which the person comes to fall under one of the following items:
the person has stopped receiving financial support from the beneficiary;
受給権者による生計維持の状態がやんだとき。
Article 44, paragraph (4), item (iii)（加給年金額）(Additional Amounts of Pension)Changed
the spouse and the beneficiary have divorced or the marriage (including a case where, although the marriage has not been registered, the circumstances are, de facto, the same as those of a person in a marital relationship; the same applies hereinafter in this Chapter) has been rescinded;
Article 44, paragraph (4), item (v)（加給年金額）(Additional Amounts of Pension)Changed
the child is legally becomes, by legal adoption, the adopted bychild (including a person whose adoption has not been registered but whose circumstances are, de facto, the same as those of a person in an adoptive relationship; the same applies hereinafter) of a person other than the spouse of the beneficiary;
the adoptive relationship with a legally adopted child has been dissolved;
養子縁組による子が、離縁をしたとき。
Article 44, paragraph (4), item (vii)（加給年金額）
the child has married;
子が、婚姻をしたとき。
Article 44, paragraph (4), item (viii)（加給年金額）
the first March 31 has passed after the day on which the child (excluding a child with a disability classified as Grade 1 or Grade 2 of the disability grades) has reached the age of 18;
a child with a disability classified as Grade 1 or Grade 2 of the disability grades (other than a child from birth until the first March 31 after the child reaches the age of 18) ceases to be in those circumstances; or
Cabinet Order provides for the necessary particulars in connection with certifying that a person was receiving financial support from the beneficiary of an employees' old-age pension in order to apply the provisions of paragraph (1), and provides for the necessary particulars in connection with certifying that a person has stopped receiving financial support from the beneficiary of an employees' old-age pension in order to apply the provisions of item (ii) of the preceding paragraph.
Article 44-3, paragraph (1)（支給の繰下げ）(Deferment of Payment)Changed
A person with the right to receive benefits from an employees' old-age pension who has not claimed the employees' old-age pension before the day that marks the passage of one year's time since the day on which the person acquired the right to receive benefits under it (hereinafter referred to as the "day that marks one year's time" since acquisition of the right to receive benefits in this Article and paragraph (1) of the following Article) may file a request with the implementing organization for deferred payment of that employees' old-age pension; provided, however, that this does not apply if, at the time that the person acquired the right to receive benefits from the relevant employees' old-age pension, the beneficiary was the beneficiary of other pension benefits (meaning other pension insurance benefits or pension benefits under the National Pension Act (other than an old-age basic pension, additional pension, or basic disability pension); the same applies hereinafter in this Article), or if, during the period up until the day that marks one year's time since the day on which the beneficiary acquired the right to receive benefits under the relevant employees' old-age pension, the person has become the beneficiary of other pension insurance benefits.
If a person as set forth in one of the following items makes the request referred to in the preceding paragraph (excluding a request in a case where the request referred to in the preceding paragraph is deemed to have been made pursuant to the provisions of paragraph (5); the same applies hereinafter in this paragraph) after the day that marks one year's time since the acquisition of the right to receive benefits, the request referred to in the preceding paragraph is deemed to have been made on the day specified in that item:
a person who has become a beneficiary of other pension benefits before the day that marks the passage of ten years' time since the day on which the person acquired the right to receive benefits under an employees' old-age pension (referred to in the following item as the "day that marks ten years' time" since acquisition of the right to receive benefits):the day on which grounds for payment of the other pension benefits arise; or
a person who is in the time after the day that marks ten years' time since acquisition of the right to receive benefits (other than a person who falls under the preceding item):the day that marks ten years' time since acquisition of the right to receive benefits.
十年を経過した日後にある者（前号に該当する者を除く。） 十年を経過した日
Article 44-3, paragraph (3)（支給の繰下げ）
Notwithstanding the provisions of Article 36, paragraph (1), the payment of an employees' old-age pension to a person who has filed a request as referred to in paragraph (1) (including a request in a case where the request referred to in paragraph (1) is deemed to have been made pursuant to the provisions of paragraph (5); the same applies in the following paragraph) is to commence in the month following the month in which the request is filed.
Notwithstanding the provisions of Article 43, paragraph (1) and Article 44, the amount of the employees' old-age pension to be paid to a person who has filed a request as referred to in paragraph (1) is the amount arrived at when the amount calculated in accordance with these provisions is added to the amount prescribed by Cabinet Order in consideration of the amount calculated pursuant to the provisions of Article 43, paragraph (1) based on the insured period up to the month before the month that includes the day on which the person acquires the right to receive benefits from the employees' old-age pension and the amount calculated pursuant to the provisions of Article 46, paragraph (1) for the payment it has been decided to suspend.
If a person who is able to file a request for deferred payment of an employees' old-age pension pursuant to the provisions of paragraph (1) claims that employees' old-age pension after the day that marks five years' time since the day on which the person acquired the right to receive benefits under it, and does not file a request as referred to in that paragraph at the time of that claim, the request referred to in that paragraph is deemed to have been made on the day five years before the day on which the claim was made; provided, however, that this does not apply if the person falls under one of the following items:
the person is in the time on or after the day that marks 15 years' time since the day on which the person acquired the right to receive benefits under the relevant employees' old-age pension; or
当該老齢厚生年金の受給権を取得した日から起算して十五年を経過した日以後にあるとき。
Article 44-3, paragraph (5), item (ii)（支給の繰下げ）
the person has become a beneficiary of other pension benefits during the period from the day on which the person acquired the right to receive benefits under the relevant employees' old-age pension until the day five years before the day on which the claim was made.