Article 9-2Method of Payment of Mutual Aid Benefits
Mutual aid benefits are to be paid as a lump sum.
共済金は、一時金として支給する。
Article 9-3Installment Payment of Mutual Aid Benefits, etc.
Notwithstanding the preceding Article, the Organization may, at the request of a mutual aid policyholder, pay all or part of the mutual aid benefits by installment payment; provided, however, that this does not apply in any of the following cases:
where the amount of the mutual aid benefits is less than the amount specified by Order of the Ministry of Economy, Trade and Industry;
共済金の額が経済産業省令で定める金額未満であるとき。
where a ground set out in Article 9, paragraph (1), item (i) or item (ii) arises with respect to a mutual aid policyholder and that person is under 60 years of age on the day on which the ground arises;
where a mutual aid policyholder requests that part of the mutual aid benefits be paid by installment payment, and the amount subject to installment payment prescribed in the following paragraph is less than the amount specified by Order of the Ministry of Economy, Trade and Industry, or the amount obtained by subtracting the amount subject to installment payment prescribed in that paragraph from the full amount of those mutual aid benefits is less than the amount specified by Order of the Ministry of Economy, Trade and Industry.
Where a mutual aid policyholder intends to receive payment of part of the mutual aid benefits by installment payment, the request under the preceding paragraph must be made by specifying the amount of that part of the mutual aid benefits for which the policyholder intends to receive payment by installment payment (referred to in this Article as the "amount subject to installment payment").
The payment months for mutual aid benefits paid by installment payment are January, March, May, July, September and November of each year; provided, however, that mutual aid benefits that should have been paid in the previous payment month are to be paid even in a month that is not a payment month.
分割払の方法による共済金の支給期月は、毎年一月、三月、五月、七月、九月及び十一月とする。ただし、前支給期月に支給すべきであつた共済金は、その支給期月でない月であつても、支給するものとする。
The period of payment of mutual aid benefits by installment payment (hereinafter referred to as the "installment payment period") is, at the election of the mutual aid policyholder, either 10 years or 15 years from the first payment month after the request under paragraph (1).
The amount of the mutual aid benefits for each payment month (hereinafter referred to as the "installment mutual aid benefit") is the amount obtained by multiplying the amount of the mutual aid benefits (or, where part of the mutual aid benefits is paid by installment payment, the amount subject to installment payment) by the rate specified by Cabinet Order according to the installment payment period (referred to as the "installment payment rate" in paragraph (2) of the following Article).
Where, pursuant to the provisions of paragraph (1), it has been decided that part of the mutual aid benefits is to be paid by installment payment, the amount obtained by subtracting the amount subject to installment payment from the full amount of those mutual aid benefits is to be paid as a lump sum.
Article 9-4
Where the Organization has decided to pay all or part of the mutual aid benefits by installment payment and a ground set out in the following items arises, the Organization is to pay in a lump sum, to the person specified in the relevant item, the total amount of the amounts equivalent to the present value of the installment mutual aid benefits whose payment months have not arrived by the time the ground arises (hereinafter referred to as "present value amounts"):
when a mutual aid policyholder dies: the heir;
共済契約者が死亡したとき 相続人
where a special circumstance specified by Order of the Ministry of Economy, Trade and Industry, such as a severe disability, arises with respect to a mutual aid policyholder and that person requests the Organization to pay the total amount of the present value amounts in a lump sum: that person.
The present value amount is the amount obtained by discounting the amount of the installment mutual aid benefit by the compound present value method, using the interest rate determined by the Minister of Economy, Trade and Industry as the interest rate that served as the basis for calculating the installment payment rate for that amount, according to the period from the most recent payment month after a ground set out in either item of the preceding paragraph arises to the payment month for that installment mutual aid benefit.
Article 10Scope and Order of the Surviving Family Members
The surviving family members entitled to receive payment of the mutual aid benefits prescribed in Article 9, paragraph (1) are the persons set out in the following items:
第九条第一項に規定する共済金の支給を受けるべき遺族は、次の各号に掲げる者とする。
a spouse (including a person who has not filed a notification of marriage but who, at the time of the mutual aid policyholder's death, was in a situation equivalent to a marital relationship in fact);
配偶者(届出をしていないが、共済契約者の死亡の当時事実上婚姻関係と同様の事情にあつたものを含む。)
children, parents, grandchildren, grandparents and siblings who, at the time of the mutual aid policyholder's death, were mainly dependent on the policyholder's income for their livelihood;
子、父母、孫、祖父母及び兄弟姉妹で共済契約者の死亡の当時主としてその収入によつて生計を維持していたもの
in addition to the persons set out in the preceding item, relatives who, at the time of the mutual aid policyholder's death, were mainly dependent on the policyholder's income for their livelihood;
children, parents, grandchildren, grandparents and siblings who do not fall under item (ii);
子、父母、孫、祖父母及び兄弟姉妹で第二号に該当しないもの
children of grandchildren and children of siblings who do not fall under item (iii).
孫の子及び兄弟姉妹の子のうち第三号に該当しないもの
The order of priority among the surviving family members entitled to receive payment of mutual aid benefits is the order of the items of the preceding paragraph, and, among the persons set out in items (ii), (iv) and (v) of that paragraph, the order in which they are listed in the relevant item; in this case, for parents, the order is adoptive parents and then biological parents, and for grandparents, the order is the adoptive parents of adoptive parents, the biological parents of adoptive parents, the adoptive parents of biological parents, and then the biological parents of biological parents.
Where there are two or more persons of the same rank among the surviving family members entitled to receive payment of mutual aid benefits under the preceding paragraph, the mutual aid benefits are to be paid in equal shares divided by the number of those persons.
前項の規定により共済金の支給を受けるべき遺族に同順位者が二人以上あるときは、共済金は、その人数によつて等分して支給する。
Article 11Disqualification
A person who has caused the death of a mutual aid policyholder through an intentional criminal act is not entitled to receive payment of mutual aid benefits, notwithstanding the preceding Article. The same applies to a person who, before the death of a mutual aid policyholder, caused the death, through an intentional criminal act, of a person who would be entitled to receive payment of mutual aid benefits upon the death of that policyholder.
Article 12Cancellation Refunds
Where a mutual aid contract is cancelled and the number of months of paid premiums of the mutual aid policyholder is 12 months or more, the Organization is to pay a cancellation refund to the mutual aid policyholder.
Where a mutual aid contract is cancelled pursuant to the provisions of Article 7, paragraph (2), item (ii), no cancellation refund is to be paid, notwithstanding the preceding paragraph; provided, however, that this does not apply where there are special circumstances specified by Order of the Ministry of Economy, Trade and Industry.
The amount of the cancellation refund is, according to the cases set out in the following items, the amount specified in the relevant item:
解約手当金の額は、次の各号に掲げる場合に応じ、それぞれ当該各号に定める金額とする。
where a mutual aid contract is cancelled pursuant to the provisions of Article 7, paragraph (2) or paragraph (3), or is deemed to have been cancelled pursuant to the provisions of paragraph (4), item (i) of that Article (limited to where that mutual aid policyholder has become a small-scale enterprise that is an officer of the company referred to in that item): the total amount of the amounts obtained, for each premium unit, by multiplying the total amount of the premiums paid for that unit by a ratio specified by Cabinet Order that is not less than 80 percent;
where a mutual aid contract is deemed to have been cancelled pursuant to the provisions of Article 7, paragraph (4) (excluding, where it is so deemed under item (i) of that paragraph, the case where that mutual aid policyholder has become a small-scale enterprise that is an officer of the company referred to in that item): the total amount of the premium-unit cancellation refund amounts corresponding to the premium units.
The premium-unit cancellation refund amount under item (ii) of the preceding paragraph is, according to the number of months of paid premiums for the premium unit set out in each of the following items, the amount specified in the relevant item:
less than 36 months: the total amount of the premiums paid for that premium unit;
三十六月未満 その掛金区分に係る納付に係る掛金の合計額
36 months or more: the total amount of the amounts specified in (a) through (c) (or, where that amount does not reach the total amount of the premiums paid for that premium unit, that total amount).
三十六月以上 次のイからハまでに定める金額の合計額(その額がその掛金区分に係る納付に係る掛金の合計額に達しないときは、その合計額)
the amount specified by Cabinet Order according to the number of months of paid premiums for that premium unit;
その掛金区分に係る掛金納付月数に応じ政令で定める金額
the total amount of the amounts obtained by multiplying the hypothetical cancellation refund amount (meaning the amount obtained where the provisions of (a) are applied on the assumption that a ground set out in the items of Article 7, paragraph (4) arose in a reference month) by the payment rate prescribed in Article 9, paragraph (5) for the fiscal year to which the respective reference month belongs;
the amount obtained by multiplying the amount specified in (a) by the payment rate prescribed in Article 9, paragraph (5) for the fiscal year to which the day on which a ground set out in the items of Article 7, paragraph (4) arose belongs, and further multiplying the result by the rate obtained by dividing by 12 the number of months obtained by subtracting the number of months of paid premiums as of the last reference month from the number of months of paid premiums for that premium unit.
The provisions of the first sentence of Article 9, paragraph (4) apply mutatis mutandis to the ratio specified by Cabinet Order in paragraph (3), item (i) and the amount specified by Cabinet Order in item (ii), (a) of the preceding paragraph. In this case, the amount obtained by multiplying by the ratio specified by Cabinet Order prescribed in paragraph (3), item (i) must be less than the premium-unit cancellation refund amount prescribed in item (ii) of that paragraph, and the amount specified by Cabinet Order in item (ii), (a) of the preceding paragraph must be less than the amount specified by Cabinet Order in Article 9, paragraph (3), item (ii), (a).
The provisions of Article 9, paragraph (6) apply mutatis mutandis where a Cabinet Order is enacted or amended pursuant to the provisions of paragraph (4), item (ii), (a). In this case, the phrase "the items of paragraph (1)" in Article 9, paragraph (6) is deemed to be replaced with "the items of Article 7, paragraph (4)", and the phrase "mutual aid benefits" is deemed to be replaced with "cancellation refunds".
定義第二条第一項・法令全体に適用
次の各号のいずれかに該当する者
わかりやすく言うと
主に工業・鉱業・運送業などを営み常時使用する従業員が二十人以下、または主に商業・サービス業を営み五人以下(政令で定める業種はその定める数以下)の個人事業者とその事業の経営に携わる個人、同じ基準の会社の役員、そして政令で定める企業組合などの中小企業団体の役員のことです。
定義第二条第二項・法令全体に適用
小規模企業者が独立行政法人中小企業基盤整備機構(以下「機構」という。)に掛金を納付することを約し、機構がその者の事業の廃止等につき、この法律の定めるところにより共済金を支給することを約する契約
略称規定第二条第二項
この法律において「共済契約」とは、小規模企業者が独立行政法人中小企業基盤整備機構(以下「機構」という。)に掛金を納付することを約し、機構がその者の事業の廃止等につき、この法律の定めるところにより共済金を支給することを約する契約をいう。
わかりやすく言うと
独立行政法人中小企業基盤整備機構のことです。小規模企業者から掛金を受け取り、事業の廃止などのときに共済金を支給する、共済契約の相手方です。
略称規定第九条第二項
機構が支給すべき共済金の額は、共済契約者の納付に係る各月分の掛金を五百円ごとに順次区分した場合における各区分(以下「掛金区分」という。)に応ずる区分共済金額の合計額とする。
略称規定第九条の三第二項・この条の中だけ
共済契約者が共済金の一部について分割払の方法により支給を受けようとする場合における前項の請求は、当該分割払の方法により支給を受けようとする共済金の一部の額(以下この条において「分割払対象額」という。)を定めてしなければならない。
わかりやすく言うと
共済金の一部だけを分割払いで受け取ろうとするときに、共済契約者が請求の際に決める、分割払いで受け取る部分の額のことです。共済金の全額からこの額を差し引いた残りは、一時金として支給されます。
略称規定第九条の三第四項
分割払の方法による共済金の支給の期間(以下「分割支給期間」という。)は、共済契約者の選択により、第一項の請求後最初の支給期月から十年間又は十五年間のいずれかとする。
わかりやすく言うと
共済金を分割払いで受け取る期間のことで、共済契約者が、分割払いの請求後最初の支給期月から十年間か十五年間のどちらかを選びます。
略称規定第九条の三第五項
支給期月ごとの共済金(以下「分割共済金」という。)の額は、共済金の額(共済金の一部について分割払の方法により支給する場合にあつては、分割払対象額)に…
わかりやすく言うと
共済金を分割払いで受け取る場合に、支給期月(毎年一月・三月・五月・七月・九月・十一月)ごとに支給される共済金のことです。額は、共済金の額(一部だけを分割払いにする場合は分割払対象額)に、分割支給期間に応じて政令で定める率を掛けた金額です。
略称規定第九条の三第五項・この規定及び第九条の四第二項の中だけ
支給期月ごとの共済金(以下「分割共済金」という。)の額は、共済金の額(共済金の一部について分割払の方法により支給する場合にあつては、分割払対象額)に、分割支給期間に応じ政令で定める率(次条第二項において「分割支給率」という。)を乗じて得た…
わかりやすく言うと
分割払いで支給期月ごとに受け取る共済金(分割共済金)の額を出すために、共済金の額(一部だけを分割払いにする場合は分割払対象額)に掛ける率のことで、分割支給期間に応じて政令で定められます。
略称規定第九条の四第一項
…それぞれ当該各号に定める者に対し、その事由が生じた時までに支給期月の到来していない分割共済金の額の現価に相当する金額(以下「現価相当額」という。)の合計額を一括して支給するものとする。
わかりやすく言うと
共済金を分割払いで受け取ることにした後、共済契約者が死亡したときや、重度の障害など経済産業省令で定める特別の事情が生じて一括払いを請求したときに、まだ支給期月が来ていない分割共済金の額を、経済産業大臣が定める利率で割り引いて今の価値に直した金額のことです。
解除
契約や法律の規定により当事者の一方が解除権を持つとき、相手方に対する意思表示によって契約を終わらせることです(民法第五百四十条第一項)。民法は、相手方が債務を履行しないときの解除を定めています。相当の期間を定めて履行を催告してもその期間内に履行がないときは解除でき(残った不履行が軽微なときを除きます。同法第五百四十一条)、履行の全部が不能であるとき、相手方が履行を拒む意思をはっきり示したときなど、履行を受ける見込みがないことが明らかなときは、催告をせずにすぐ解除できます(同法第五百四十二条第一項)。解除すると、各当事者は相手方を元の状態に戻す義務を負い、損害賠償の請求もできます(同法第五百四十五条第一項・第四項)。ただし、賃貸借の解除は将来に向かってのみ効力を生じます(同法第六百二十条)。取り消された行為が初めから無効であったものとみなされる取消し(同法第百二十一条)とは異なります。
民法第121条・第540条・第541条・第542条・第545条・第620条を参考にAIが作成。