Section 1 Commencement of an Individual-type Pension Plan
第一節 個人型年金の開始
Subsection 1 Individual-type Pension Plan Rules
第一款 個人型年金規約
第五十五条(規約の承認)
The Association must prepare rules concerning an individual-type pension plan and obtain approval of the Minister of Health, Labour and Welfare for those rules.
The rules concerning the individual-type pension plan must provide for the following particulars:
個人型年金に係る規約においては、次に掲げる事項を定めなければならない。
the name and address of the Association;
連合会の名称及び所在地
the names, addresses, and the services to be provided by the defined contribution pension plan operational management institutions that have been entrusted pursuant to the provisions of Article 60, paragraph (1) (including defined contribution pension plan operational management institutions that have been re-entrusted pursuant to the provisions of paragraph (3) of that Article);
第六十条第一項の規定により委託を受けた確定拠出年金運営管理機関(同条第三項の規定により再委託を受けた確定拠出年金運営管理機関を含む。)の名称及び住所並びにその行う業務
particulars concerning the designation of a defined contribution pension plan operational management institution by a participant of an individual-type pension plan or an instructor of an individual-type pension plan investment (hereinafter referred to as a "participant or instructor of an individual-type pension plan");
個人型年金加入者及び個人型年金運用指図者(以下「個人型年金加入者等」という。)による確定拠出年金運営管理機関の指定に関する事項
the method for deciding or changing the amount of the contribution to be made by a participant of an individual-type pension plan (hereinafter referred to as the "participant of an individual-type pension plan's contribution") and other particulars concerning the making of the contributions;
個人型年金加入者が拠出する掛金(以下「個人型年金加入者掛金」という。)の額の決定又は変更の方法その他その拠出に関する事項
in the case of providing that a small and medium-sized employer (meaning an employer with an EPI-applicable place of business that does not implement a corporate-type pension plan or a defined benefit corporate pension plan, where the number of category I EPI insured person employed by the employer is 300 or less; hereinafter the same applies in this Chapter) may make contributions pursuant to the provisions of Article 68-2, paragraph (1), the method for deciding or changing the amount of the contribution and other matters concerning the making of the contributions;
中小事業主(企業型年金及び確定給付企業年金を実施していない厚生年金適用事業所の事業主であって、その使用する第一号厚生年金被保険者の数が三百人以下のものをいう。以下この章において同じ。)が第六十八条の二第一項の規定により掛金を拠出することを定める場合にあっては、当該掛金の額の決定又は変更の方法その他その拠出に関する事項
matters concerning the presentation of the investment method and instructions on investment;
運用の方法の提示及び運用の指図に関する事項
in the case of presenting a default investment method pursuant to the provisions of Article 23-2, paragraph (1) as applied mutatis mutandis pursuant to Article 73, matters concerning presentation of the default investment method;
第七十三条において準用する第二十三条の二第一項の規定により指定運用方法を提示することとする場合にあっては、指定運用方法の提示に関する事項
in the case of excluding an investment method pursuant to the provisions of Article 26, paragraph (1) as applied mutatis mutandis pursuant to Article 73, matters concerning the procedure for the exclusion;
matters concerning the amount of benefits of the individual-type pension plan (including benefits relating to a person whose assets managed per individual have been transferred to the Association pursuant to the provisions of Article 83, paragraph (1) (excluding a person who acquired the status as a participant of a corporate-type pension plan on or after the day of the transfer, a participant of an individual-type pension plan, or an instructor of an individual-type pension plan investment; referred to as a "person whose assets were transferred to the Association" in Article 73-2 and Article 113, paragraph (1)); the same applies in paragraph (1), item (iv) of the following Article) and the method of payment thereof;
matters concerning the bearing of administrative expenses required for implementing the individual-type pension plan; and
個人型年金の実施に要する事務費の負担に関する事項
other matters specified by Cabinet Order.
その他政令で定める事項
Article 56Standards for Approval
第五十六条(承認の基準等)
When an application for the approval referred to in paragraph (1) of the preceding Article is filed, and the Minister of Health, Labour and Welfare finds that the rules pertaining to the application satisfy the following requirements, the minister is to give the approval referred to in that paragraph:
the rules provide for the matters set forth in the items of paragraph (2) of the preceding Article;
前条第二項各号に掲げる事項が定められていること。
the number and types of the investment methods to be presented do not run counter to the provisions of Article 23, paragraphs (1) and (2) as applied mutatis mutandis pursuant to Article 73;
the rules allow a participant or instructor of an individual-type pension plan to give instructions on investment at least once every three months;
個人型年金加入者等による運用の指図は、少なくとも三月に一回、行い得るものであること。
the method for calculating the amount of benefits of the individual-type pension plan conforms to the standards specified by Cabinet Order;
個人型年金の給付の額の算定方法が政令で定める基準に合致していること。
any other requirements specified by Cabinet Order.
その他政令で定める要件
When the Minister of Health, Labour and Welfare gives the approval referred to in paragraph (1) of the preceding Article, the minister must promptly give notice to that effect to the Association.
When the Association obtains the approval referred to in paragraph (1) of the preceding Article, it must give public notice of the rules for which the approval referred to in that paragraph has been obtained (hereinafter referred to as the "individual-type pension plan rules"), pursuant to the provisions of Cabinet Order.
Article 57Changes to the Rules
第五十七条(規約の変更)
When the Association intends to make a change to the individual-type pension plan rules (excluding the minor change specified by Order of the Ministry of Health, Labour and Welfare), it must obtain approval of the Minister of Health, Labour and Welfare for that change.
The provisions of the preceding Article apply mutatis mutandis to the case where an application for the approval or a change referred to in the preceding paragraph has been filed.
第五十八条
When the Association makes a change to the individual-type pension plan rules (limited to the change specified by Order of the Ministry of Health, Labour and Welfare as referred to in paragraph (1) of the preceding Article), it must give notification of that change to the Minister of Health, Labour and Welfare without delay.
The provisions of Article 56, paragraph (3) apply mutatis mutandis to the change referred to in the preceding paragraph.
Article 59Review of the Individual-type Pension Plan Rules
第五十九条(個人型年金規約の見直し)
The Association must review the contents of the individual-type pension plan rules in consideration of factors such as the trends in the number of participants of an individual-type pension plans, the status of implementation of the corporate-type pension plan, the trends in the lives of the citizenry, at least once every five years, and if found to be necessary, must make changes to the individual-type pension plan rules.
Subsection 2 Entrustment of Operational Management Services
第二款 運営管理業務の委託等
Article 60Entrustment of Operational Management Services
第六十条(運営管理業務の委託)
The Association must entrust the operational management services to defined contribution pension plan operational management institutions, pursuant to the provisions of Cabinet Order.
連合会は、政令で定めるところにより、運営管理業務を確定拠出年金運営管理機関に委託しなければならない。
A defined contribution pension plan operational management institution must not refuse to conclude a contract on the entrustment under the provisions of the preceding paragraph, unless there are legitimate grounds for doing so.
確定拠出年金運営管理機関は、正当な理由がある場合を除き、前項の規定による委託に係る契約の締結を拒絶してはならない。
Pursuant to the provisions of Cabinet Order a defined contribution pension plan operational management institution may re-entrust a part of the operational management services which it has been entrusted with under the provisions of paragraph (1) to another defined contribution pension plan operational management institution.
確定拠出年金運営管理機関は、政令で定めるところにより、第一項の規定により委託を受けた運営管理業務の一部を他の確定拠出年金運営管理機関に再委託することができる。
Beyond what is provided for in the preceding three paragraphs, Cabinet Order prescribes the necessary particulars in connection with entrustment of operational management services.
Article 61Entrustment of Administrative Affairs
第六十一条(事務の委託)
The Association may entrust the following administrative affairs to another person, pursuant to the provisions of Cabinet Order:
連合会は、政令で定めるところにより、次に掲げる事務を他の者に委託することができる。
administrative affairs concerning acceptance of the request referred to in paragraph (1) of the following Article;
次条第一項の申出の受理に関する事務
administrative affairs concerning acceptance of the notification referred to in Article 66, paragraph (1) (including as applied mutatis mutandis pursuant to paragraph (2) of that Article);
administrative affairs concerning management of the reserve fund;
積立金の管理に関する事務
administrative affairs concerning the keeping of the deposit passbooks, securities, and other items equivalent thereto relating to investment of the reserve fund; and
積立金の運用に関する契約に係る預金通帳、有価証券その他これに類するものの保管に関する事務
other administrative affairs specified by Order of the Ministry of Health, Labour and Welfare (excluding administrative affairs concerning confirmation of the status as a participant of an individual-type pension plan and confirmation of the fact that the amount of the participant of an individual-type pension plan's contribution is within the maximum contribution amount prescribed in Article 69).
その他厚生労働省令で定める事務(個人型年金加入者の資格の確認及び個人型年金加入者掛金の額が第六十九条に規定する拠出限度額の範囲内であることの確認に関する事務を除く。)
A financial institution specified by Cabinet Order, such as a bank, may be entrusted with the administrative affairs set forth in items (i), (ii), and (v) of the preceding paragraph (limited to the administrative affairs specified by Order of the Ministry of Health, Labour and Welfare), notwithstanding the provisions of other laws.
Section 2 Participants or Instructors of Individual-type Pension Plans
第二節 個人型年金加入者等
Article 62Participant of an Individual-type Pension Plan
第六十二条(個人型年金加入者)
The following persons may become a participant of an individual-type pension plan by making a request to the Association, pursuant to the provisions of Order of the Ministry of Health, Labour and Welfare:
the category I insured prescribed in Article 7, paragraph (1), item (i) of the National Pension Act (Act No. 141 of 1959) (excluding a person who is not required to pay the premiums referred to in that Act pursuant to the provisions of Article 89, paragraph (1) (limited to the part pertaining to item (ii)), Article 90, paragraph (1), or Article 90-3, paragraph (1) of that Act and a person who is not required to pay a part of the amount of the premiums referred to in that Act pursuant to the provisions of Article 90-2, paragraphs (1) through (3) of that Act (these persons are hereinafter referred to as "persons exempted from premium payments"));
国民年金法(昭和三十四年法律第百四十一号)第七条第一項第一号に規定する第一号被保険者(同法第八十九条第一項(第二号に係る部分に限る。)、第九十条第一項又は第九十条の三第一項の規定により同法の保険料を納付することを要しないものとされている者及び同法第九十条の二第一項から第三項までの規定によりその一部の額につき同法の保険料を納付することを要しないものとされている者(以下これらの者を「保険料免除者」という。)を除く。)
the category II insured prescribed in Article 7, paragraph (1), item (ii) of the National Pension Act (excluding a participant of a corporate-type pension plan who makes a participant of a corporate-type pension plan contributions and other persons specified by Cabinet Order (referred to as a "person, etc. making corporate-type pension plan contributions" in paragraph (4), item (vi)));
国民年金法第七条第一項第二号に規定する第二号被保険者(企業型年金加入者掛金を拠出する企業型年金加入者その他政令で定める者(第四項第六号において「企業型掛金拠出者等」という。)を除く。)
the category III insured prescribed in Article 7, paragraph (1), item (iii) of the National Pension Act; and
国民年金法第七条第一項第三号に規定する第三号被保険者
an insured person under the provisions of Article 5, paragraph (1) of the Supplementary Provisions of the National Pension Act (excluding the person set forth in item (i) of that paragraph).
国民年金法附則第五条第一項の規定による被保険者(同項第一号に掲げる者を除く。)
Notwithstanding the provisions of the preceding paragraph, a person who falls under any of the following items is not to be a participant of an individual-type pension plan:
a person who has or had the right to receive old-age benefits under the individual-type pension plan; or
個人型年金の老齢給付金の受給権を有する者又はその受給権を有する者であった者
a person who has the right to receive pension benefits based on old age under the National Pension Act or the Employees' Pension Insurance Act or other pension benefits based on old age or retirement, which are specified by Cabinet Order.
A participant of an individual-type pension plan acquires the status as a participant of an individual-type pension plan on the day on which the person makes the request referred to in paragraph (1).
A participant of an individual-type pension plan loses the status as a participant of an individual-type pension plan on the day on which the person comes to fall under any of the following items (if the person comes to fall under item (i), on the day following that day; if the person comes to fall under item (iv), the first day of the month in which the person became unrequired to pay the premiums; and if the person comes to fall under item (vi) (limited to a participant of a corporate-type pension plan who makes a participant of a corporate-type pension plan's contribution), the first day of the month in which the person made a participant of a corporate-type pension plan's contribution):
when the person dies;
死亡したとき。
when the person loses the status as an insured of the national pension (excluding the case set forth in the preceding item);
国民年金の被保険者の資格を喪失したとき(前号に掲げる場合を除く。)。
when the person becomes an instructor of an individual-type pension plan investment pursuant to the provisions of Article 64, paragraph (2);
第六十四条第二項の規定により個人型年金運用指図者となったとき。
when the person becomes exempted from premium payments;
保険料免除者となったとき。
when the person becomes insured under the farmers pension;
農業者年金の被保険者となったとき。
when the person becomes a person, etc. making corporate-type pension plan contributions;
企業型掛金拠出者等となったとき。
when the person becomes eligible to receive old-age benefits under the individual-type pension plan; or
個人型年金の老齢給付金の受給権を有する者となったとき。
when the person becomes a person set forth in paragraph (2), item (ii).
第二項第二号に掲げる者となったとき。
If a person loses the status as a participant of an individual-type pension plan during the month when the person acquired that status, the person is retroactively deemed not to have been a participant of an individual-type pension plan from the day on which the person acquired the status.
個人型年金加入者の資格を取得した月にその資格を喪失した者は、その資格を取得した日に遡って、個人型年金加入者でなかったものとみなす。