# 小規模企業共済法 / Small Enterprise Mutual Relief Projects Act — 第二章 (Chapter 2)
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- Law: 小規模企業共済法 (Small Enterprise Mutual Relief Projects Act), 昭和四十年法律第百二号
- English title "Small Enterprise Mutual Relief Projects Act": Ministry of Justice translation database, which lists the title
- Kind: Act — the distinction between 法律 (Act), 政令 (Cabinet Order), 省令 (Ministerial Order) and 条例 (local ordinance) decides who may issue it and what it may say.
- Provision: 第二章 (Chapter 2) — address `ch-2`
- Text in force since: 2021-06-17
- URL (the page that opens at this provision): https://japanlaw.org/en/small-enterprise-mutual-aid-act/ch-2
- e-Gov law ID: 340AC0000000102 — never renamed. A permanent link, `/l/{lawId}/{address}` on this site, redirects to the page.
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Only the Japanese as published by the government has legal effect; the text
below is a copy of it. Every English rendering below is a translation and
says which kind: the Ministry of Justice's translation, or this
site's machine translation, whose model and date the Sources list names.
They are never merged and never substituted for one another.
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## 第二章 共済契約 — Chapter II Mutual Aid Contracts
heading: machine translation, not official
ch-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/ch-2
### 第三条（契約の締結） — Conclusion of Contracts
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art-3 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-3
**第一項** 小規模企業者でなければ、共済契約を締結することができない。
art-3/par-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-3/par-1
A mutual aid contract may not be concluded by anyone other than a small-scale enterprise.
machine translation, not official
**第二項** 個人たる事業者であつて会社等の役員を兼ねる小規模企業者は、次の各号のいずれかに掲げる地位においてでなければ、共済契約を締結することができない。
art-3/par-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-3/par-2
A small-scale enterprise that is an individual business operator and concurrently an officer of a company, etc. may conclude a mutual aid contract only in one of the following capacities:
machine translation, not official
**一** 個人たる小規模企業者としての地位
art-3/par-2/item-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-3/par-2/item-1
The capacity of an individual small-scale enterprise;
machine translation, not official
**二** 会社等の役員たる小規模企業者としての地位（二以上の会社等の役員を兼ねる小規模企業者にあつては、そのいずれか一の会社等の役員たる小規模企業者としての地位）
art-3/par-2/item-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-3/par-2/item-2
The capacity of a small-scale enterprise that is an officer of a company, etc. (for a small-scale enterprise that is concurrently an officer of two or more companies, etc., the capacity of a small-scale enterprise that is an officer of any one of those companies, etc.).
machine translation, not official
**第三項** 二以上の会社等の役員を兼ねる小規模企業者（前項に規定する者を除く。）は、そのいずれか一の会社等の役員たる小規模企業者としての地位においてでなければ、共済契約を締結することができない。
art-3/par-3 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-3/par-3
A small-scale enterprise that is concurrently an officer of two or more companies, etc. (excluding a person prescribed in the preceding paragraph) may conclude a mutual aid contract only in the capacity of a small-scale enterprise that is an officer of any one of those companies, etc.
machine translation, not official
**第四項** 現に共済契約者である小規模企業者は、新たな共済契約を締結することができない。ただし、その者に当該共済契約に係る第九条第一項各号に掲げる事由が生じた場合は、この限りでない。
art-3/par-4 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-3/par-4
A small-scale enterprise that is currently a mutual aid policyholder may not conclude a new mutual aid contract; provided, however, that this does not apply where a cause set out in one of the items of Article 9, paragraph (1) relating to that mutual aid contract has arisen for that person.
machine translation, not official
**第五項** 機構は、次に掲げる場合を除いては、共済契約の締結を拒絶してはならない。
art-3/par-5 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-3/par-5
The Organization must not refuse to conclude a mutual aid contract except in the following cases:
machine translation, not official
**一** 共済契約の申込者が第七条第二項の規定により共済契約を解除され、その解除の日から一年を経過しない者であるとき。
art-3/par-5/item-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-3/par-5/item-1
Where the applicant for the mutual aid contract is a person whose mutual aid contract was cancelled pursuant to Article 7, paragraph (2) and for whom one year has not elapsed from the date of the cancellation;
machine translation, not official
**二** 共済契約の申込者が偽りその他不正の行為によつて共済金又は解約手当金（以下「共済金等」という。）の支給を受け、又は受けようとした日から一年を経過しない者であるとき。
art-3/par-5/item-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-3/par-5/item-2
Where the applicant for the mutual aid contract is a person for whom one year has not elapsed from the date on which the person received, or attempted to receive, payment of a mutual aid benefit or cancellation refund (hereinafter referred to as "mutual aid benefit, etc.") by deception or other wrongful act;
machine translation, not official
**三** 前二号に掲げるもののほか、当該共済契約の締結によつて小規模企業共済事業の適正かつ円滑な運営を阻害することとなるおそれがあるものとして経済産業省令で定める場合に該当するとき。
art-3/par-5/item-3 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-3/par-5/item-3
Where, in addition to what is set out in the preceding two items, the case falls under one specified by Order of the Ministry of Economy, Trade and Industry as a case in which the conclusion of the mutual aid contract is likely to impede the proper and smooth operation of the small enterprise mutual aid business.
machine translation, not official
### 第四条
art-4 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-4
**第一項** 共済契約は、掛金月額を定めて締結するものとする。
art-4/par-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-4/par-1
A mutual aid contract is to be concluded by specifying the monthly premium.
machine translation, not official
**第二項** 掛金月額は、千円以上であつて五百円に整数を乗じて得た額とし、共済契約者一人につき七万円を超えてはならない。
art-4/par-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-4/par-2
The monthly premium is to be 1,000 yen or more and an amount obtained by multiplying 500 yen by an integer, and must not exceed 70,000 yen per mutual aid policyholder.
machine translation, not official
### 第五条（契約の申込み） — Application for Contracts
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art-5 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-5
**第一項** 共済契約の申込みは、掛金月額及び共済契約者が会社等の役員たる小規模企業者としての地位において締結する共済契約にあつてはその会社等の名称を明らかにしてしなければならない。
art-5/par-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-5/par-1
An application for a mutual aid contract must state the monthly premium and, in the case of a mutual aid contract concluded by a mutual aid policyholder in the capacity of a small-scale enterprise that is an officer of a company, etc., the name of that company, etc.
machine translation, not official
### 第六条（契約の成立） — Formation of Contract
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art-6 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-6
**第一項** 共済契約は、機構がその申込みを承諾したときは、その申込みの日において成立したものとみなし、かつ、その日から効力を生ずる。
art-6/par-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-6/par-1
When the Organization accepts an application for a mutual aid contract, the mutual aid contract is deemed to have been formed on the day of the application and takes effect from that day.
machine translation, not official
### 第七条（契約の解除） — Cancellation of Contract
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art-7 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-7
**第一項** 機構は、次項に規定する場合を除いては、共済契約を解除することができない。
art-7/par-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-7/par-1
Except in the case prescribed in the following paragraph, the Organization may not cancel a mutual aid contract.
machine translation, not official
**第二項** 機構は、次に掲げる場合には、共済契約を解除しなければならない。
art-7/par-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-7/par-2
The Organization must cancel a mutual aid contract in the following cases:
machine translation, not official
**一** 共済契約者が経済産業省令で定める一定の月分以上について掛金の納付を怠つたとき（経済産業省令で定める正当な理由がある場合を除く。）。
art-7/par-2/item-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-7/par-2/item-1
where a mutual aid policyholder has failed to pay premiums for at least the number of months specified by Order of the Ministry of Economy, Trade and Industry (excluding cases where there is a justifiable reason specified by Order of the Ministry of Economy, Trade and Industry);
machine translation, not official
**二** 共済契約者が偽りその他不正の行為によつて共済金等の支給を受け、又は受けようとしたとき。
art-7/par-2/item-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-7/par-2/item-2
where a mutual aid policyholder has received, or attempted to receive, payment of mutual aid benefits, etc. by deception or other wrongful conduct.
machine translation, not official
**第三項** 共済契約者は、いつでも共済契約を解除することができる。
art-7/par-3 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-7/par-3
A mutual aid policyholder may cancel a mutual aid contract at any time.
machine translation, not official
**第四項** 共済契約者に次に掲げる事由が生じたときは、共済契約は、当該事由が生じた時に解除されたものとみなす。
art-7/par-4 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-7/par-4
When any of the following grounds arises with respect to a mutual aid policyholder, the mutual aid contract is deemed to have been cancelled at the time the ground arises:
machine translation, not official
**一** 個人たる小規模企業者としての地位において締結した共済契約に係る共済契約者がその事業と同一の事業を営む会社を設立するため事業を廃止したとき。
art-7/par-4/item-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-7/par-4/item-1
where a mutual aid policyholder concerning a mutual aid contract concluded in the capacity of an individual small-scale enterprise discontinues the business in order to establish a company that carries on the same business as that business;
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**二** 会社等の役員たる小規模企業者としての地位において締結した共済契約に係る共済契約者が第九条第一項各号に掲げる事由が生じないでその会社等の役員でなくなつたとき。
art-7/par-4/item-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-7/par-4/item-2
where a mutual aid policyholder concerning a mutual aid contract concluded in the capacity of a small-scale enterprise that is an officer of a company, etc. ceases to be an officer of that company, etc. without any ground set out in the items of Article 9, paragraph (1) having arisen.
machine translation, not official
**第五項** 共済契約の解除は、将来に向かつてのみその効力を生ずる。
art-7/par-5 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-7/par-5
The cancellation of a mutual aid contract takes effect only for the future.
machine translation, not official
### 第八条（掛金月額の変更） — Change of Monthly Premium
caption: machine translation, not official
art-8 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-8
**第一項** 機構は、共済契約者から掛金月額の増加又は減少の申込みがあつたときは、これを承諾しなければならない。
art-8/par-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-8/par-1
When a mutual aid policyholder applies to increase or decrease the monthly premium, the Organization must accept the application.
machine translation, not official
**第二項** 前項の申込みは、増加後又は減少後の掛金月額を明らかにしてしなければならない。
art-8/par-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-8/par-2
An application under the preceding paragraph must state the monthly premium after the increase or decrease.
machine translation, not official
**第三項** 第六条の規定は、掛金月額の増加又は減少について準用する。
art-8/par-3 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-8/par-3
The provisions of Article 6 apply mutatis mutandis to an increase or decrease in the monthly premium.
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### 第九条（共済金） — Mutual Aid Benefits
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art-9 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9
**第一項** 共済契約者に次の各号の一に掲げる事由が生じた場合であつて、その者の掛金納付月数が六月以上のときは、機構は、その者（第一号又は第二号に掲げる事由が死亡によるものであるときは、その遺族）に共済金を支給する。
art-9/par-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-1
Where any of the following grounds arises with respect to a mutual aid policyholder and the number of months of paid premiums of that person is six months or more, the Organization is to pay mutual aid benefits to that person (or, where the ground set out in item (i) or item (ii) is due to death, to the bereaved family of that person):
machine translation, not official
**一** 事業の廃止（会社等の役員たる小規模企業者としての地位において締結した共済契約に係る共済契約者にあつては、その会社等の解散）があつたとき（第七条第四項第一号に掲げるときを除く。）。
art-9/par-1/item-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-1/item-1
discontinuation of business (in the case of a mutual aid policyholder concerning a mutual aid contract concluded in the capacity of a small-scale enterprise that is an officer of a company, etc., dissolution of that company, etc.) (excluding the case set out in Article 7, paragraph (4), item (i));
machine translation, not official
**二** 会社等の役員たる小規模企業者としての地位において締結した共済契約に係る共済契約者にあつては、疾病、負傷若しくは死亡により又は六十五歳以上でその会社等の役員でなくなつたとき。
art-9/par-1/item-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-1/item-2
in the case of a mutual aid policyholder concerning a mutual aid contract concluded in the capacity of a small-scale enterprise that is an officer of a company, etc., when that person ceases to be an officer of that company, etc. due to illness, injury or death, or at the age of 65 or more;
machine translation, not official
**三** 六十五歳以上で、その共済契約者の掛金納付月数が百八十月以上である共済契約者にあつては、前二号に掲げる事由が生じないで共済金の支給の請求があつたとき。
art-9/par-1/item-3 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-1/item-3
in the case of a mutual aid policyholder who is aged 65 or more and whose number of months of paid premiums is 180 months or more, when a request for payment of mutual aid benefits is made without any ground set out in the preceding two items having arisen.
machine translation, not official
**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。
art-9/par-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-2
The amount of mutual aid benefits to be paid by the Organization is the total amount of the premium-unit mutual aid benefit amounts corresponding to each division obtained when the premiums for each month paid by the mutual aid policyholder are successively divided into units of 500 yen (hereinafter referred to as a "premium unit").
machine translation, not official
**第三項** 前項の区分共済金額は、次の各号に掲げる掛金区分に係る掛金納付月数に応じ、それぞれ当該各号に定める金額とする。
art-9/par-3 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-3
The premium-unit mutual aid benefit amount under 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 that item:
machine translation, not official
**一** 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
art-9/par-3/item-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-3/item-1
less than 36 months: the total amount of the premiums paid for that premium unit;
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**二** 三十六月以上 次のイからハまでに定める金額の合計額
art-9/par-3/item-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-3/item-2
36 months or more: the total amount of the amounts specified in (a) through (c).
machine translation, not official
**イ** その掛金区分に係る掛金納付月数及び第一項各号に掲げる事由に応じ政令で定める金額
art-9/par-3/item-2/sub-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-3/item-2/sub-1
the amount specified by Cabinet Order according to the number of months of paid premiums for that premium unit and the grounds set out in the items of paragraph (1);
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**ロ** 基準月（その掛金区分に係る掛金納付月数が三十六月又は三十六月に十二月の整数倍の月数を加えた月数となる各月をいう。以下同じ。）に第一項各号に掲げる事由が生じたものとみなしてイの規定を適用した場合に得られる金額（以下「仮定共済金額」という。）に、それぞれ当該基準月の属する年度（四月一日から翌年三月三十一日までをいう。以下同じ。）に係る支給率を乗じて得た金額の合計額
art-9/par-3/item-2/sub-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-3/item-2/sub-2
the total amount of the amounts obtained by multiplying the amount obtained where the provisions of (a) are applied on the assumption that a ground set out in the items of paragraph (1) arose in a reference month (meaning each month in which the number of months of paid premiums for that premium unit is 36 months or a number of months obtained by adding an integral multiple of 12 months to 36 months; the same applies hereinafter) (hereinafter referred to as the "hypothetical mutual aid benefit amount") by the payment rate for the fiscal year (meaning the period from April 1 to March 31 of the following year; the same applies hereinafter) to which the respective reference month belongs;
machine translation, not official
**ハ** イに定める金額に、第一項各号に掲げる事由が生じた日の属する年度に係る支給率を乗じて得た金額に、その掛金区分に係る掛金納付月数から最後の基準月における掛金納付月数を減じて得た月数を十二で除して得た率を乗じて得た金額
art-9/par-3/item-2/sub-3 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-3/item-2/sub-3
the amount obtained by multiplying the amount specified in (a) by the payment rate for the fiscal year to which the day on which a ground set out in the items of paragraph (1) 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.
machine translation, not official
**第四項** 前項第二号イの政令で定める金額は、納付された掛金及びその運用収入の額の総額を基礎として、予定利率並びに第一項各号に掲げる事由の発生の見込数及び共済契約の解除の見込数を勘案して定めるものとする。この場合において、当該金額は、次に掲げる要件を満たすものでなければならない。
art-9/par-4 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-4
The amount specified by Cabinet Order in item (ii), (a) of the preceding paragraph is to be determined on the basis of the total amount of the premiums paid and the investment income therefrom, taking into account the assumed interest rate, the expected number of occurrences of the grounds set out in the items of paragraph (1) and the expected number of cancellations of mutual aid contracts. In this case, that amount must satisfy the following requirements.
machine translation, not official
**一** その掛金区分に係る納付に係る掛金の合計額を上回ること。
art-9/par-4/item-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-4/item-1
that it exceeds the total amount of the premiums paid for that premium unit;
machine translation, not official
**二** 第一項第一号に掲げる事由により支給される金額が同項第二号及び第三号に掲げる事由により支給される金額以上であること。
art-9/par-4/item-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-4/item-2
that the amount paid on a ground set out in paragraph (1), item (i) is equal to or more than the amount paid on a ground set out in items (ii) and (iii) of that paragraph.
machine translation, not official
**第五項** 第三項第二号ロ及びハの支給率は、経済産業大臣が、各年度ごとに、当該年度までの運用収入のうち当該年度において同号ロ又は第十二条第四項第二号ロに定める金額の支払に充てるべき部分の金額として経済産業省令で定めるところにより算定した金額を、当該年度において基準月を有することとなる掛金区分に係る仮定共済金額又は仮定解約手当金額（同号ロの仮定解約手当金額をいう。）の合計額として経済産業省令で定めるところにより算定した金額で除して得た率を基準として、当該年度以降の運用収入の見込額その他の事情を勘案して、当該年度の前年度末までに、中小企業政策審議会の意見を聴いて定めるものとする。
art-9/par-5 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-5
The payment rate in (b) and (c) of paragraph (3), item (ii) is to be determined by the Minister of Economy, Trade and Industry for each fiscal year, by the end of the fiscal year preceding that fiscal year, after hearing the opinion of the Small and Medium-sized Enterprise Policy Council, on the basis of the rate obtained by dividing the amount calculated as provided by Order of the Ministry of Economy, Trade and Industry as the portion of the investment income up to that fiscal year that is to be applied to payment of the amount specified in paragraph (3), item (ii), (b) or Article 12, paragraph (4), item (ii), (b) in that fiscal year, by the amount calculated as provided by Order of the Ministry of Economy, Trade and Industry as the total amount of the hypothetical mutual aid benefit amounts or the hypothetical cancellation refund amounts (meaning the hypothetical cancellation refund amounts under (b) of that item) for the premium units that will have a reference month in that fiscal year, taking into account the expected amount of investment income from that fiscal year onward and other circumstances.
machine translation, not official
**第六項** 第三項第二号イの規定に基づき政令を制定し、又は改正する場合においては、政令で、当該制定又は改正前に効力を生じた共済契約のうち当該制定又は改正後に第一項各号に掲げる事由が生じたものに係る共済金の額の算定に関し必要な措置その他当該制定又は改正に伴う所要の経過措置を定めることができる。
art-9/par-6 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-6
Where a Cabinet Order is enacted or amended pursuant to the provisions of paragraph (3), item (ii), (a), the Cabinet Order may provide for measures necessary concerning the calculation of the amount of mutual aid benefits for mutual aid contracts that took effect before that enactment or amendment and with respect to which a ground set out in the items of paragraph (1) arises after that enactment or amendment, and for other necessary transitional measures accompanying that enactment or amendment.
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### 第九条の二（共済金の支給方法） — Method of Payment of Mutual Aid Benefits
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art-9-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9-2
**第一項** 共済金は、一時金として支給する。
art-9-2/par-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9-2/par-1
Mutual aid benefits are to be paid as a lump sum.
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### 第九条の三（共済金の分割支給等） — Installment Payment of Mutual Aid Benefits, etc.
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art-9-3 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9-3
**第一項** 機構は、前条の規定にかかわらず、共済契約者の請求により、共済金の全部又は一部を分割払の方法により支給することができる。ただし、次の各号のいずれかに該当する場合は、この限りでない。
art-9-3/par-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9-3/par-1
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:
machine translation, not official
**一** 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。
art-9-3/par-1/item-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9-3/par-1/item-1
where the amount of the mutual aid benefits is less than the amount specified by Order of the Ministry of Economy, Trade and Industry;
machine translation, not official
**二** 共済契約者に第九条第一項第一号又は第二号に掲げる事由が生じた場合であつて、その事由が生じた日においてその者が六十歳未満であるとき。
art-9-3/par-1/item-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9-3/par-1/item-2
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;
machine translation, not official
**三** 共済契約者が共済金の一部を分割払の方法により支給することを請求した場合において、次項に規定する分割払対象額が経済産業省令で定める金額未満であるとき又は当該共済金の全額から同項に規定する分割払対象額を減じた額が経済産業省令で定める金額未満であるとき。
art-9-3/par-1/item-3 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9-3/par-1/item-3
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.
machine translation, not official
**第二項** 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。
art-9-3/par-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9-3/par-2
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").
machine translation, not official
**第三項** 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。
art-9-3/par-3 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9-3/par-3
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.
machine translation, not official
**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。
art-9-3/par-4 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9-3/par-4
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).
machine translation, not official
**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、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。）を乗じて得た金額とする。
art-9-3/par-5 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9-3/par-5
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).
machine translation, not official
**第六項** 第一項の規定に基づき共済金の一部を分割払の方法により支給することとした場合においては、当該共済金の全額から分割払対象額を減じた額を一時金として支給する。
art-9-3/par-6 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9-3/par-6
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.
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### 第九条の四
art-9-4 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9-4
**第一項** 機構は、共済金の全部又は一部を分割払の方法により支給することとした場合において次の各号に掲げる事由が生じたときは、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。
art-9-4/par-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9-4/par-1
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"):
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**一** 共済契約者が死亡したとき 相続人
art-9-4/par-1/item-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9-4/par-1/item-1
when a mutual aid policyholder dies: the heir;
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**二** 共済契約者に重度の障害その他の経済産業省令で定める特別の事情が生じた場合であつて、その者が機構に対し現価相当額の合計額を一括して支給することを請求したとき その者
art-9-4/par-1/item-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9-4/par-1/item-2
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.
machine translation, not official
**第二項** 現価相当額は、分割共済金の額をその額に係る分割支給率の算定の基礎となつた利率として経済産業大臣が定める利率による複利現価法によつて前項各号に掲げる事由が生じた後における直近の支給期月から当該分割共済金に係る支給期月までの期間に応じて割り引いた額とする。
art-9-4/par-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9-4/par-2
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.
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### 第十条（遺族の範囲及び順位） — Scope and Order of the Surviving Family Members
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art-10 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-10
**第一項** 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。
art-10/par-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-10/par-1
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:
machine translation, not official
**一** 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。）
art-10/par-1/item-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-10/par-1/item-1
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);
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**二** 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
art-10/par-1/item-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-10/par-1/item-2
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;
machine translation, not official
**三** 前号に掲げる者のほか、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親族
art-10/par-1/item-3 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-10/par-1/item-3
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;
machine translation, not official
**四** 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
art-10/par-1/item-4 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-10/par-1/item-4
children, parents, grandchildren, grandparents and siblings who do not fall under item (ii);
machine translation, not official
**五** 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
art-10/par-1/item-5 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-10/par-1/item-5
children of grandchildren and children of siblings who do not fall under item (iii).
machine translation, not official
**第二項** 共済金の支給を受けるべき遺族の順位は、前項各号の順位により、同項第二号、第四号及び第五号に掲げる者のうちにあつては当該各号に掲げる順位による。この場合において、父母については養父母、実父母の順とし、祖父母については養父母の養父母、養父母の実父母、実父母の養父母、実父母の実父母の順とする。
art-10/par-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-10/par-2
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.
machine translation, not official
**第三項** 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。
art-10/par-3 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-10/par-3
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.
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### 第十一条（欠格） — Disqualification
caption: machine translation, not official
art-11 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-11
**第一項** 故意の犯罪行為により共済契約者を死亡させた者は、前条の規定にかかわらず、共済金の支給を受けることができない。共済契約者の死亡前に、その者の死亡によつて共済金の支給を受けるべき者を故意の犯罪行為により死亡させた者についても、同様とする。
art-11/par-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-11/par-1
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.
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### 第十二条（解約手当金） — Cancellation Refunds
caption: machine translation, not official
art-12 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-12
**第一項** 共済契約が解除された場合であつて共済契約者の掛金納付月数が十二月以上のときは、機構は、共済契約者に解約手当金を支給する。
art-12/par-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-12/par-1
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.
machine translation, not official
**第二項** 第七条第二項第二号の規定により共済契約が解除されたときは、前項の規定にかかわらず、解約手当金は、支給しない。ただし、経済産業省令で定める特別の事情があつた場合は、この限りでない。
art-12/par-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-12/par-2
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.
machine translation, not official
**第三項** 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。
art-12/par-3 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-12/par-3
The amount of the cancellation refund is, according to the cases set out in the following items, the amount specified in the relevant item:
machine translation, not official
**一** 第七条第二項若しくは第三項の規定により共済契約が解除された場合又は同条第四項第一号の規定により共済契約が解除されたものとみなされた場合（当該共済契約者が同号の会社の役員たる小規模企業者となつたときに限る。） 掛金区分ごとに、その区分に係る納付に係る掛金の合計額に、百分の八十を下らない政令で定める割合を乗じて得た金額の合計額
art-12/par-3/item-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-12/par-3/item-1
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;
machine translation, not official
**二** 第七条第四項の規定により共済契約が解除されたものとみなされた場合（同項第一号の規定による場合においては、当該共済契約者が同号の会社の役員たる小規模企業者になつたときを除く。） 掛金区分に応ずる区分解約手当金額の合計額
art-12/par-3/item-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-12/par-3/item-2
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.
machine translation, not official
**第四項** 前項第二号の区分解約手当金額は、次の各号に掲げる掛金区分に係る掛金納付月数に応じ、それぞれ当該各号に定める金額とする。
art-12/par-4 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-12/par-4
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:
machine translation, not official
**一** 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
art-12/par-4/item-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-12/par-4/item-1
less than 36 months: the total amount of the premiums paid for that premium unit;
machine translation, not official
**二** 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）
art-12/par-4/item-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-12/par-4/item-2
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).
machine translation, not official
**イ** 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
art-12/par-4/item-2/sub-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-12/par-4/item-2/sub-1
the amount specified by Cabinet Order according to the number of months of paid premiums for that premium unit;
machine translation, not official
**ロ** 仮定解約手当金額（基準月に第七条第四項各号に掲げる事由が生じたものとみなしてイの規定を適用した場合に得られる金額をいう。）に、それぞれ当該基準月の属する年度に係る第九条第五項に規定する支給率を乗じて得た金額の合計額
art-12/par-4/item-2/sub-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-12/par-4/item-2/sub-2
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;
machine translation, not official
**ハ** イに定める金額に、第七条第四項各号に掲げる事由が生じた日の属する年度に係る第九条第五項に規定する支給率を乗じて得た金額に、その掛金区分に係る掛金納付月数から最後の基準月における掛金納付月数を減じて得た月数を十二で除して得た率を乗じて得た金額
art-12/par-4/item-2/sub-3 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-12/par-4/item-2/sub-3
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.
machine translation, not official
**第五項** 第九条第四項前段の規定は、第三項第一号の政令で定める割合及び前項第二号イの政令で定める金額について準用する。この場合において、第三項第一号に規定する政令で定める割合を乗じて得た金額は同項第二号に規定する区分解約手当金額を下回り、かつ、前項第二号イの政令で定める金額は第九条第三項第二号イの政令で定める金額を下回るものでなければならない。
art-12/par-5 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-12/par-5
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).
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**第六項** 第九条第六項の規定は、第四項第二号イの規定に基づき政令を制定し、又は改正する場合について準用する。この場合において、同条第六項中「第一項各号」とあるのは「第七条第四項各号」と、「共済金」とあるのは「解約手当金」と読み替えるものとする。
art-12/par-6 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-12/par-6
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".
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### 第十二条の二（解約手当金の支給方法） — Method of Payment of Cancellation Refunds
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art-12-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-12-2
**第一項** 解約手当金は、一時金として支給する。
art-12-2/par-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-12-2/par-1
Cancellation refunds are to be paid as a lump sum.
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### 第十三条（掛金納付月数の通算） — Aggregation of the Number of Months of Paid Premiums
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art-13 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-13
**第一項** 共済契約者に第九条第一項第一号又は第二号に掲げる事由が生じた後一年以内に、その者が共済金の支給の請求をしないで再び共済契約者となり、かつ、その者の申出があつたときは、前後の共済契約について、同一の掛金区分ごとに、その区分に係る掛金納付月数を通算する。個人たる小規模企業者としての地位において締結した共済契約に係る共済契約者（第二条第一項第四号に掲げるものに限る。）が経済産業省令で定める場合に第七条第三項の規定により共済契約を解除した後又は共済契約者に同条第四項各号に掲げる事由が生じた後一年以内に、これらの者（第十五条ただし書の規定により条件付権利の譲渡しをしたものを除く。）が解約手当金の支給を請求しないで再び共済契約者となり、かつ、これらの者の申出があつたときも、同様とする。
art-13/par-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-13/par-1
Where, within one year after a ground set out in Article 9, paragraph (1), item (i) or item (ii) arises with respect to a mutual aid policyholder, that person becomes a mutual aid policyholder again without having requested payment of mutual aid benefits, and that person so applies, the numbers of months of paid premiums for the earlier and later mutual aid contracts are aggregated for each same premium unit. The same applies where, within one year after a mutual aid policyholder concerning a mutual aid contract concluded in the capacity of an individual small-scale enterprise (limited to one set out in Article 2, paragraph (1), item (iv)) cancels the mutual aid contract pursuant to the provisions of Article 7, paragraph (3) in a case specified by Order of the Ministry of Economy, Trade and Industry, or after a ground set out in the items of paragraph (4) of that Article arises with respect to a mutual aid policyholder, those persons (excluding a person who has transferred a conditional right pursuant to the proviso to Article 15) become mutual aid policyholders again without having requested payment of a cancellation refund, and those persons so apply.
machine translation, not official
**第二項** 個人たる小規模企業者としての地位において締結した共済契約に係る共済契約者（当該共済契約についてこの項の規定により掛金納付月数が通算されたことのある者を除く。）の事業の全部を一人で譲り受け又は相続により承継した者（その共済契約者の配偶者又は子に限る。）であつて、当該共済契約者の共済契約（以下この項及び第十五条において「旧共済契約」という。）に係る共済金等の全部の支給を受ける権利を有するもの（第十五条ただし書の規定により条件付権利の譲渡しを受けたものを含む。）が、当該譲受け又は相続開始の日から一年以内に、当該共済金等の支給の請求をしないで、個人たる小規模企業者としての地位において共済契約を締結し、かつ、その者の申出があつたときは、当該旧共済契約と新たに締結された共済契約について、同一の掛金区分ごとに、その区分に係る掛金納付月数を通算する。
art-13/par-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-13/par-2
Where a person who has acquired the whole of the business of a mutual aid policyholder concerning a mutual aid contract concluded in the capacity of an individual small-scale enterprise (excluding a person for whom the number of months of paid premiums has ever been aggregated under this paragraph with respect to that mutual aid contract) alone by transfer or succeeded to it by inheritance (in either case, limited to the spouse or child of that mutual aid policyholder), and who has the right to receive payment of all of the mutual aid benefits, etc. concerning the mutual aid contract of that mutual aid policyholder (hereinafter in this paragraph and Article 15 referred to as the "former mutual aid contract") (including a person who has received the transfer of a conditional right pursuant to the proviso to Article 15), within one year from the date of that transfer or the commencement of the inheritance and without having requested payment of those mutual aid benefits, etc., concludes a mutual aid contract in the capacity of an individual small-scale enterprise, and that person so applies, the numbers of months of paid premiums for that former mutual aid contract and the newly concluded mutual aid contract are aggregated for each same premium unit.
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### 第十四条 〔削除 / repealed〕
art-14 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-14
**第一項** 削除
art-14/par-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-14/par-1
no English for this paragraph
### 第十五条（譲渡し等の禁止） — Prohibition of Transfer, etc.
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art-15 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-15
**第一項** 共済金等の支給を受ける権利は、譲り渡し、担保に供し、又は差し押さえることができない。ただし、その権利が相続により承継されたものである場合、第十三条第二項の規定により通算の申出をしようとする者に対しその申出をすることを条件として当該通算の対象となる旧共済契約に係る共済金等の支給を受ける権利を譲り渡す場合及び国税滞納処分（その例による処分を含む。）により差し押さえる場合は、この限りでない。
art-15/par-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-15/par-1
The right to receive payment of mutual aid benefits, etc. may not be transferred, offered as security or seized; provided, however, that this does not apply where the right has been succeeded to by inheritance, where the right to receive payment of mutual aid benefits, etc. concerning the former mutual aid contract that is the subject of the aggregation is transferred to a person who intends to apply for aggregation under Article 13, paragraph (2) on the condition that the person makes that application, or where the right is seized by a disposition for delinquent national taxes (including a disposition made in the same manner).
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### 第十六条（共済金等の返還） — Return of Mutual Aid Benefits, etc.
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art-16 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-16
**第一項** 偽りその他不正の行為により共済金等の支給を受けた者がある場合は、機構は、その者から当該共済金等を返還させることができる。
art-16/par-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-16/par-1
Where there is a person who has received payment of mutual aid benefits, etc. by deception or other wrongful conduct, the Organization may have that person return those mutual aid benefits, etc.
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### 第十六条の二（共済金等からの控除等） — Deductions, etc. from Mutual Aid Benefits, etc.
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art-16-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-16-2
**第一項** 機構が共済契約者、その遺族又は共済契約者であつた者に共済金等を支給すべき場合において、前条の規定により返還を受けるべき共済金等、納付を受けるべき掛金（割増金を含む。）又は独立行政法人中小企業基盤整備機構法（平成十四年法律第百四十七号。以下「機構法」という。）第十五条第二項第八号の規定による共済契約者若しくは共済契約者であつた者に対する貸付けに係る貸付金若しくは利子で弁済を受けるべきものがあるときは、機構は、当該共済金等からこれらを控除することができる。
art-16-2/par-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-16-2/par-1
Where the Organization is to pay mutual aid benefits, etc. to a mutual aid policyholder, a surviving family member of the policyholder or a former mutual aid policyholder, and there are mutual aid benefits, etc. to be returned under the preceding Article, premiums (including surcharges) to be paid, or loan principal or interest to be repaid concerning a loan to a mutual aid policyholder or former mutual aid policyholder under Article 15, paragraph (2), item (viii) of the Act on the Organization for Small & Medium Enterprises and Regional Innovation, Japan, Independent Administrative Agency (Act No. 147 of 2002; hereinafter referred to as the "Act on the Organization for Small & Medium Enterprises and Regional Innovation, Japan, Independent Administrative Agency"), the Organization may deduct these from those mutual aid benefits, etc.
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### 第十六条の三
art-16-3 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-16-3
**第一項** 機構が機構法第十五条第二項第八号の規定による共済契約者又は共済契約者であつた者に対する貸付けを行つた場合において、その貸付けに係る貸付金の弁済期後経済産業省令で定める期間を経過した後なお弁済を受けるべき貸付金又は利子があるときは、機構は、その共済契約者又は共済契約者であつた者の納付に係る掛金区分のうちその区分に係る掛金納付月数の最も少ないものから順次当該掛金区分に係る納付された掛金を取り崩し、その貸付金又は利子の弁済に充てることができる。
art-16-3/par-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-16-3/par-1
Where the Organization has made a loan to a mutual aid policyholder or former mutual aid policyholder under Article 15, paragraph (2), item (viii) of the Act on the Organization for Small & Medium Enterprises and Regional Innovation, Japan, Independent Administrative Agency, and there is still loan principal or interest to be repaid after the lapse of a period specified by Order of the Ministry of Economy, Trade and Industry after the due date for repayment of that loan, the Organization may, beginning with the premium unit with the smallest number of months of paid premiums among the premium units concerning the premiums paid by that mutual aid policyholder or former mutual aid policyholder, successively draw down the premiums paid for that premium unit and apply them to repayment of that loan principal or interest.
machine translation, not official
**第二項** 前項の規定により掛金が取り崩されたためその掛金納付月数が減少した共済契約者又は共済契約者であつた者に関する第九条第一項及び第十二条第一項の規定の適用については、その掛金納付月数は、減少しなかつたものとみなす。
art-16-3/par-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-16-3/par-2
For the purpose of applying Article 9, paragraph (1) and Article 12, paragraph (1) to a mutual aid policyholder or former mutual aid policyholder whose number of months of paid premiums has decreased because premiums were drawn down pursuant to the provisions of the preceding paragraph, that number of months of paid premiums is deemed not to have decreased.
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### 第十七条（掛金の納付） — Payment of Premiums
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art-17 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-17
**第一項** 共済契約者は、共済契約が効力を生じた日の属する月から第九条第一項各号に掲げる事由が生じた日又は共済契約が解除された日の属する月までの各月につき、その月の末日（同項各号に掲げる事由が生じた日又は共済契約の解除の日の属する月にあつては、その事由が生じた日又はその解除の日）における掛金月額により、毎月分の掛金を翌月末日（共済契約が効力を生じた日の属する月分の掛金にあつては、共済契約が効力を生じた日の属する月の翌々月末日）までに納付しなければならない。
art-17/par-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-17/par-1
For each month from the month containing the day on which the mutual aid contract took effect through the month containing the day on which a ground set out in the items of Article 9, paragraph (1) arose or the day on which the mutual aid contract was cancelled, a mutual aid policyholder must pay the premium for that month at the monthly premium as of the last day of that month (for the month containing the day on which a ground set out in the items of that paragraph arose or the day on which the mutual aid contract was cancelled, as of the day on which that ground arose or the day of that cancellation), by the last day of the following month (for the premium for the month containing the day on which the mutual aid contract took effect, by the last day of the second month after the month containing the day on which the mutual aid contract took effect).
machine translation, not official
**第二項** 毎月分の掛金は、分割して納付することができない。
art-17/par-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-17/par-2
The premium for each month may not be paid in installments.
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**第三項** 共済契約者は、第一項の規定にかかわらず、機構の承諾を得た場合に限り、掛金を納付しないことができる。この場合において、機構は、経済産業省令で定める場合を除き、これを承諾してはならない。
art-17/par-3 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-17/par-3
Notwithstanding the provisions of paragraph (1), a mutual aid policyholder may refrain from paying premiums only where the Organization has given its consent. In this case, the Organization must not give that consent except in cases specified by Order of the Ministry of Economy, Trade and Industry.
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### 第十八条（前納の場合の減額） — Reduction in the Case of Advance Payment
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art-18 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-18
**第一項** 機構は、共済契約者が掛金をその月の前月末日以前に納付したときは、経済産業省令で定めるところにより、その額を減額することができる。
art-18/par-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-18/par-1
Where a mutual aid policyholder has paid a premium on or before the last day of the month preceding that month, the Organization may reduce its amount as provided by Order of the Ministry of Economy, Trade and Industry.
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### 第十九条（割増金） — Surcharges
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art-19 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-19
**第一項** 機構は、掛金を納付すべき者が掛金をその納付期限までに納付しなかつたときは、その者に対し、割増金を納付させることができる。
art-19/par-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-19/par-1
Where a person who is to pay a premium fails to pay it by the payment due date, the Organization may have that person pay a surcharge.
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**第二項** 割増金の額は、掛金の額につき年十四・六パーセントの割合で納付期限の翌日から納付の日の前日までの日数によつて計算した額をこえてはならない。
art-19/par-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-19/par-2
The amount of a surcharge must not exceed the amount calculated on the amount of the premium at the rate of 14.6 percent per annum, for the number of days from the day following the payment due date to the day preceding the date of payment.
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### 第二十条（納付期限の延長） — Extension of Payment Due Date
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art-20 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-20
**第一項** 機構は、災害その他やむを得ない事由により掛金を納付すべき者が掛金をその納付期限までに納付することができないと認めるときは、その納付期限を延長することができる。
art-20/par-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-20/par-1
Where the Organization finds that a person who is to pay a premium is unable to pay it by the payment due date due to a disaster or other unavoidable grounds, it may extend the payment due date.
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### 第二十一条（先取特権） — Statutory Lien
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art-21 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-21
**第一項** 共済金又は解約手当金の支給を受ける権利を有する者は、当該共済金の額又は当該解約手当金の額（機構が当該共済金又は当該解約手当金から第十六条の二の規定により控除することができる金銭があるときは、それぞれ、当該共済金又は当該解約手当金からこれらの金銭を控除した残額）につき、機構の財産について他の債権者に先立つて弁済を受ける権利を有する。
art-21/par-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-21/par-1
A person who has the right to receive payment of mutual aid benefits or a cancellation refund has the right to be paid, in priority to other creditors, out of the property of the Organization with respect to the amount of those mutual aid benefits or that cancellation refund (where there are sums of money that the Organization may deduct from those mutual aid benefits or that cancellation refund pursuant to the provisions of Article 16-2, the remaining amount after deducting those sums from those mutual aid benefits or that cancellation refund, respectively).
machine translation, not official
**第二項** 前項に規定する共済金の額又は解約手当金の額は、機構が第十六条の三第一項の規定により当該共済金又は当該解約手当金に係る掛金を取り崩してその弁済に充てることができる貸付金又は利子があるときは、同項の規定によるその掛金の取崩しをして算定した額とする。
art-21/par-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-21/par-2
The amount of the mutual aid benefits or the cancellation refund prescribed in the preceding paragraph is, where there is loan principal or interest which the Organization may repay by drawing down the premiums relating to those mutual aid benefits or that cancellation refund pursuant to the provisions of Article 16-3, paragraph (1), the amount calculated by drawing down those premiums pursuant to the provisions of that paragraph.
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**第三項** 第一項の先取特権の順位は、民法（明治二十九年法律第八十九号）の規定による一般の先取特権に次ぐものとする。
art-21/par-3 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-21/par-3
The rank of the statutory lien under paragraph (1) is to be next after general statutory liens under the provisions of the Civil Code (Act No. 89 of 1896).
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### 第二十二条（端数計算） — Calculation of Fractions
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art-22 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-22
**第一項** 共済金等の額及び現価相当額に五十銭未満の端数が生じたときは、これを切り捨て、五十銭以上一円未満の端数が生じたときは、これを一円に切り上げるものとする。
art-22/par-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-22/par-1
Where a fraction of less than 50 sen arises in the amount of mutual aid benefits, etc. or in the present value amount, it is to be rounded down, and where a fraction of 50 sen or more but less than 1 yen arises, it is to be rounded up to 1 yen.
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### 第二十三条（時効） — Prescription
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art-23 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-23
**第一項** 共済金等の支給を受ける権利はこれを行使することができる時から五年間、掛金の納付を受ける権利及び掛金の返還を受ける権利はこれらを行使することができる時から二年間行使しないときは、時効によつて消滅する。
art-23/par-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-23/par-1
The right to receive payment of mutual aid benefits, etc. is extinguished by prescription if not exercised for five years from the time when it becomes exercisable, and the right to receive payment of premiums and the right to receive a refund of premiums are extinguished by prescription if not exercised for two years from the time when they become exercisable.
machine translation, not official
**第二項** 共済金の支給を受ける権利を有する遺族が先順位者又は同順位者の生死又は所在が不明であるために共済金の支給の請求をすることができない場合には、その請求をすることができることとなつた日から六月以内は、当該権利の消滅時効は、完成しないものとする。
art-23/par-2 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-23/par-2
Where a surviving family member who has the right to receive payment of mutual aid benefits is unable to request payment of the mutual aid benefits because it is unknown whether a person of a higher rank or of the same rank is alive or dead, or where that person is, the extinctive prescription of that right is not to be completed within six months from the day on which the request became possible.
machine translation, not official
### 第二十四条（期間計算の特例） — Special Provisions on the Calculation of Periods
caption: machine translation, not official
art-24 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-24
**第一項** 共済金等の支給の請求又は掛金の返還の請求に係る期間を計算する場合において、その請求が郵便又は民間事業者による信書の送達に関する法律（平成十四年法律第九十九号）第二条第六項に規定する一般信書便事業者若しくは同条第九項に規定する特定信書便事業者による同条第二項に規定する信書便により行われたものであるときは、送付に要した日数は、その期間に算入しない。
art-24/par-1 · https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-24/par-1
In calculating a period relating to a request for payment of mutual aid benefits, etc. or a request for a refund of premiums, where the request is made by mail, or by correspondence delivery prescribed in Article 2, paragraph (2) of the Act on Correspondence Delivery by Private Business Operators (Act No. 99 of 2002) provided by a general correspondence delivery service provider prescribed in paragraph (6) of that Article or a specified correspondence delivery service provider prescribed in paragraph (9) of that Article, the number of days required for sending is not counted in that period.
machine translation, not official
---
## Cites
- art-3/par-3: 前項 → 小規模企業共済法 第三条第二項 (Article 3, paragraph (2)), art-3/par-2 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-3/par-2
- art-3/par-4: 第九条第一項 → 小規模企業共済法 第九条第一項 (Article 9, paragraph (1)), art-9/par-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-1
- art-3/par-5/item-1: 第七条第二項 → 小規模企業共済法 第七条第二項 (Article 7, paragraph (2)), art-7/par-2 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-7/par-2
- art-3/par-5/item-3: 前二号 → 小規模企業共済法 第三条第五項第一号 (Article 3, paragraph (5), item (i)), art-3/par-5/item-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-3/par-5/item-1
- art-3/par-5/item-3: 前二号 → 小規模企業共済法 第三条第五項第二号 (Article 3, paragraph (5), item (ii)), art-3/par-5/item-2 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-3/par-5/item-2
- art-7/par-1: 次項 → 小規模企業共済法 第七条第二項 (Article 7, paragraph (2)), art-7/par-2 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-7/par-2
- art-7/par-4/item-2: 第九条第一項 → 小規模企業共済法 第九条第一項 (Article 9, paragraph (1)), art-9/par-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-1
- art-8/par-2: 前項 → 小規模企業共済法 第八条第一項 (Article 8, paragraph (1)), art-8/par-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-8/par-1
- art-8/par-3: 第六条 → 小規模企業共済法 第六条 (Article 6), art-6 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-6
- art-9/par-1: 第一号 → 小規模企業共済法 第九条第一項第一号 (Article 9, paragraph (1), item (i)), art-9/par-1/item-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-1/item-1
- art-9/par-1: 第二号 → 小規模企業共済法 第九条第一項第二号 (Article 9, paragraph (1), item (ii)), art-9/par-1/item-2 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-1/item-2
- art-9/par-1/item-1: 第七条第四項第一号 → 小規模企業共済法 第七条第四項第一号 (Article 7, paragraph (4), item (i)), art-7/par-4/item-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-7/par-4/item-1
- art-9/par-1/item-3: 前二号 → 小規模企業共済法 第九条第一項第一号 (Article 9, paragraph (1), item (i)), art-9/par-1/item-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-1/item-1
- art-9/par-1/item-3: 前二号 → 小規模企業共済法 第九条第一項第二号 (Article 9, paragraph (1), item (ii)), art-9/par-1/item-2 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-1/item-2
- art-9/par-3: 前項 → 小規模企業共済法 第九条第二項 (Article 9, paragraph (2)), art-9/par-2 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-2
- art-9/par-3/item-2/sub-1: 第一項 → 小規模企業共済法 第九条第一項 (Article 9, paragraph (1)), art-9/par-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-1
- art-9/par-3/item-2/sub-2: 第一項 → 小規模企業共済法 第九条第一項 (Article 9, paragraph (1)), art-9/par-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-1
- art-9/par-3/item-2/sub-3: 第一項 → 小規模企業共済法 第九条第一項 (Article 9, paragraph (1)), art-9/par-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-1
- art-9/par-4: 前項第二号 → 小規模企業共済法 第九条第三項第二号 (Article 9, paragraph (3), item (ii)), art-9/par-3/item-2 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-3/item-2
- art-9/par-4: 第一項 → 小規模企業共済法 第九条第一項 (Article 9, paragraph (1)), art-9/par-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-1
- art-9/par-4/item-2: 第一項第一号 → 小規模企業共済法 第九条第一項第一号 (Article 9, paragraph (1), item (i)), art-9/par-1/item-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-1/item-1
- art-9/par-4/item-2: 同項第二号 → 小規模企業共済法 第九条第一項第二号 (Article 9, paragraph (1), item (ii)), art-9/par-1/item-2 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-1/item-2
- art-9/par-4/item-2: 第三号 → 小規模企業共済法 第九条第一項第三号 (Article 9, paragraph (1), item (iii)), art-9/par-1/item-3 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-1/item-3
- art-9/par-5: 第三項第二号 → 小規模企業共済法 第九条第三項第二号 (Article 9, paragraph (3), item (ii)), art-9/par-3/item-2 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-3/item-2
- art-9/par-5: 第十二条第四項第二号 → 小規模企業共済法 第十二条第四項第二号 (Article 12, paragraph (4), item (ii)), art-12/par-4/item-2 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-12/par-4/item-2
- art-9/par-6: 第三項第二号 → 小規模企業共済法 第九条第三項第二号 (Article 9, paragraph (3), item (ii)), art-9/par-3/item-2 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-3/item-2
- art-9/par-6: 第一項 → 小規模企業共済法 第九条第一項 (Article 9, paragraph (1)), art-9/par-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-1
- art-9-3/par-1: 前条 → 小規模企業共済法 第九条の二 (Article 9-2), art-9-2 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9-2
- art-9-3/par-1/item-2: 第九条第一項第一号 → 小規模企業共済法 第九条第一項第一号 (Article 9, paragraph (1), item (i)), art-9/par-1/item-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-1/item-1
- art-9-3/par-1/item-2: 第二号 → 小規模企業共済法 第九条第一項第二号 (Article 9, paragraph (1), item (ii)), art-9/par-1/item-2 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-1/item-2
- art-9-3/par-1/item-3: 次項 → 小規模企業共済法 第九条の三第二項 (Article 9-3, paragraph (2)), art-9-3/par-2 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9-3/par-2
- art-9-3/par-2: 前項 → 小規模企業共済法 第九条の三第一項 (Article 9-3, paragraph (1)), art-9-3/par-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9-3/par-1
- art-9-3/par-2: この条 → 小規模企業共済法 第九条の三 (Article 9-3), art-9-3 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9-3
- art-9-3/par-4: 第一項 → 小規模企業共済法 第九条の三第一項 (Article 9-3, paragraph (1)), art-9-3/par-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9-3/par-1
- art-9-3/par-5: 次条第二項 → 小規模企業共済法 第九条の四第二項 (Article 9-4, paragraph (2)), art-9-4/par-2 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9-4/par-2
- art-9-3/par-6: 第一項 → 小規模企業共済法 第九条の三第一項 (Article 9-3, paragraph (1)), art-9-3/par-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9-3/par-1
- art-9-4/par-2: 前項 → 小規模企業共済法 第九条の四第一項 (Article 9-4, paragraph (1)), art-9-4/par-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9-4/par-1
- art-10/par-1: 第九条第一項 → 小規模企業共済法 第九条第一項 (Article 9, paragraph (1)), art-9/par-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-1
- art-10/par-1/item-3: 前号 → 小規模企業共済法 第十条第一項第二号 (Article 10, paragraph (1), item (ii)), art-10/par-1/item-2 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-10/par-1/item-2
- art-10/par-1/item-4: 第二号 → 小規模企業共済法 第十条第一項第二号 (Article 10, paragraph (1), item (ii)), art-10/par-1/item-2 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-10/par-1/item-2
- art-10/par-1/item-5: 第三号 → 小規模企業共済法 第十条第一項第三号 (Article 10, paragraph (1), item (iii)), art-10/par-1/item-3 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-10/par-1/item-3
- art-10/par-2: 前項 → 小規模企業共済法 第十条第一項 (Article 10, paragraph (1)), art-10/par-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-10/par-1
- art-10/par-2: 同項第二号 → 小規模企業共済法 第十条第一項第二号 (Article 10, paragraph (1), item (ii)), art-10/par-1/item-2 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-10/par-1/item-2
- art-10/par-2: 第四号 → 小規模企業共済法 第十条第一項第四号 (Article 10, paragraph (1), item (iv)), art-10/par-1/item-4 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-10/par-1/item-4
- art-10/par-2: 第五号 → 小規模企業共済法 第十条第一項第五号 (Article 10, paragraph (1), item (v)), art-10/par-1/item-5 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-10/par-1/item-5
- art-10/par-3: 前項 → 小規模企業共済法 第十条第二項 (Article 10, paragraph (2)), art-10/par-2 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-10/par-2
- art-11/par-1: 前条 → 小規模企業共済法 第十条 (Article 10), art-10 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-10
- art-12/par-2: 第七条第二項第二号 → 小規模企業共済法 第七条第二項第二号 (Article 7, paragraph (2), item (ii)), art-7/par-2/item-2 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-7/par-2/item-2
- art-12/par-2: 前項 → 小規模企業共済法 第十二条第一項 (Article 12, paragraph (1)), art-12/par-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-12/par-1
- art-12/par-3/item-1: 第七条第二項 → 小規模企業共済法 第七条第二項 (Article 7, paragraph (2)), art-7/par-2 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-7/par-2
- art-12/par-3/item-1: 第三項 → 小規模企業共済法 第七条第三項 (Article 7, paragraph (3)), art-7/par-3 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-7/par-3
- art-12/par-3/item-1: 同条第四項第一号 → 小規模企業共済法 第七条第四項第一号 (Article 7, paragraph (4), item (i)), art-7/par-4/item-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-7/par-4/item-1
- art-12/par-3/item-2: 第七条第四項 → 小規模企業共済法 第七条第四項 (Article 7, paragraph (4)), art-7/par-4 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-7/par-4
- art-12/par-3/item-2: 同項第一号 → 小規模企業共済法 第七条第四項第一号 (Article 7, paragraph (4), item (i)), art-7/par-4/item-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-7/par-4/item-1
- art-12/par-4: 前項第二号 → 小規模企業共済法 第十二条第三項第二号 (Article 12, paragraph (3), item (ii)), art-12/par-3/item-2 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-12/par-3/item-2
- art-12/par-4/item-2/sub-2: 第七条第四項 → 小規模企業共済法 第七条第四項 (Article 7, paragraph (4)), art-7/par-4 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-7/par-4
- art-12/par-4/item-2/sub-2: 第九条第五項 → 小規模企業共済法 第九条第五項 (Article 9, paragraph (5)), art-9/par-5 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-5
- art-12/par-4/item-2/sub-3: 第七条第四項 → 小規模企業共済法 第七条第四項 (Article 7, paragraph (4)), art-7/par-4 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-7/par-4
- art-12/par-4/item-2/sub-3: 第九条第五項 → 小規模企業共済法 第九条第五項 (Article 9, paragraph (5)), art-9/par-5 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-5
- art-12/par-5: 第九条第四項 → 小規模企業共済法 第九条第四項 (Article 9, paragraph (4)), art-9/par-4 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-4
- art-12/par-5: 第三項第一号 → 小規模企業共済法 第十二条第三項第一号 (Article 12, paragraph (3), item (i)), art-12/par-3/item-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-12/par-3/item-1
- art-12/par-5: 前項第二号 → 小規模企業共済法 第十二条第四項第二号 (Article 12, paragraph (4), item (ii)), art-12/par-4/item-2 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-12/par-4/item-2
- art-12/par-5: 同項第二号 → 小規模企業共済法 第十二条第三項第二号 (Article 12, paragraph (3), item (ii)), art-12/par-3/item-2 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-12/par-3/item-2
- art-12/par-5: 第九条第三項第二号 → 小規模企業共済法 第九条第三項第二号 (Article 9, paragraph (3), item (ii)), art-9/par-3/item-2 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-3/item-2
- art-12/par-6: 第九条第六項 → 小規模企業共済法 第九条第六項 (Article 9, paragraph (6)), art-9/par-6 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-6
- art-12/par-6: 第四項第二号 → 小規模企業共済法 第十二条第四項第二号 (Article 12, paragraph (4), item (ii)), art-12/par-4/item-2 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-12/par-4/item-2
- art-12/par-6: 第一項 → 小規模企業共済法 第九条第一項 (Article 9, paragraph (1)), art-9/par-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-1
- art-12/par-6: 第七条第四項 → 小規模企業共済法 第七条第四項 (Article 7, paragraph (4)), art-7/par-4 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-7/par-4
- art-13/par-1: 第九条第一項第一号 → 小規模企業共済法 第九条第一項第一号 (Article 9, paragraph (1), item (i)), art-9/par-1/item-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-1/item-1
- art-13/par-1: 第二号 → 小規模企業共済法 第九条第一項第二号 (Article 9, paragraph (1), item (ii)), art-9/par-1/item-2 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-1/item-2
- art-13/par-1: 第二条第一項第四号 → 小規模企業共済法 第二条第一項第四号 (Article 2, paragraph (1), item (iv)), art-2/par-1/item-4 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-2/par-1/item-4
- art-13/par-1: 第七条第三項 → 小規模企業共済法 第七条第三項 (Article 7, paragraph (3)), art-7/par-3 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-7/par-3
- art-13/par-1: 同条第四項 → 小規模企業共済法 第七条第四項 (Article 7, paragraph (4)), art-7/par-4 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-7/par-4
- art-13/par-1: 第十五条 → 小規模企業共済法 第十五条 (Article 15), art-15 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-15
- art-13/par-2: この項 → 小規模企業共済法 第十三条第二項 (Article 13, paragraph (2)), art-13/par-2 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-13/par-2
- art-13/par-2: 第十五条 → 小規模企業共済法 第十五条 (Article 15), art-15 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-15
- art-15/par-1: 第十三条第二項 → 小規模企業共済法 第十三条第二項 (Article 13, paragraph (2)), art-13/par-2 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-13/par-2
- art-16-2/par-1: 前条 → 小規模企業共済法 第十六条 (Article 16), art-16 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-16
- art-16-2/par-1: 独立行政法人中小企業基盤整備機構法（平成十四年法律第百四十七号。以下「機構法」という。）第十五条第二項第八号 → e-Gov law 414AC0000000147, 第十五条第二項第八号 (Article 15, paragraph (2), item (viii)), art-15/par-2/item-8 — not held in this collection
- art-16-3/par-1: 機構法第十五条第二項第八号 → e-Gov law 414AC0000000147, 第十五条第二項第八号 (Article 15, paragraph (2), item (viii)), art-15/par-2/item-8 — not held in this collection
- art-16-3/par-2: 前項 → 小規模企業共済法 第十六条の三第一項 (Article 16-3, paragraph (1)), art-16-3/par-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-16-3/par-1
- art-16-3/par-2: 第九条第一項 → 小規模企業共済法 第九条第一項 (Article 9, paragraph (1)), art-9/par-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-1
- art-16-3/par-2: 第十二条第一項 → 小規模企業共済法 第十二条第一項 (Article 12, paragraph (1)), art-12/par-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-12/par-1
- art-17/par-1: 第九条第一項 → 小規模企業共済法 第九条第一項 (Article 9, paragraph (1)), art-9/par-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-9/par-1
- art-17/par-3: 第一項 → 小規模企業共済法 第十七条第一項 (Article 17, paragraph (1)), art-17/par-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-17/par-1
- art-21/par-1: 第十六条の二 → 小規模企業共済法 第十六条の二 (Article 16-2), art-16-2 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-16-2
- art-21/par-2: 前項 → 小規模企業共済法 第二十一条第一項 (Article 21, paragraph (1)), art-21/par-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-21/par-1
- art-21/par-2: 第十六条の三第一項 → 小規模企業共済法 第十六条の三第一項 (Article 16-3, paragraph (1)), art-16-3/par-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-16-3/par-1
- art-21/par-3: 第一項 → 小規模企業共済法 第二十一条第一項 (Article 21, paragraph (1)), art-21/par-1 — https://japanlaw.org/en/small-enterprise-mutual-aid-act/art-21/par-1
- art-24/par-1: 民間事業者による信書の送達に関する法律（平成十四年法律第九十九号）第二条第六項 → e-Gov law 414AC0000000099, 第二条第六項 (Article 2, paragraph (6)), art-2/par-6 — not held in this collection
- art-24/par-1: 同条第九項 → e-Gov law 414AC0000000099, 第二条第九項 (Article 2, paragraph (9)), art-2/par-9 — not held in this collection
- art-24/par-1: 同条第二項 → e-Gov law 414AC0000000099, 第二条第二項 (Article 2, paragraph (2)), art-2/par-2 — not held in this collection
---
## Sources
- e-Gov 法令検索, Digital Agency (デジタル庁) — 小規模企業共済法 — the text in force from 2021-06-17 (https://laws.e-gov.go.jp/law/340AC0000000102/20210617_503AC0000000070), retrieved 2026-11-06
- Japanese Law Translation Database System, Ministry of Justice (法務省) — 小規模企業共済法 — its English title as the Ministry of Justice's translation database lists it (https://www.japaneselawtranslation.go.jp/en/laws/view/846), retrieved 2026-09-18
- claude-sonnet-5-5 — Machine translation, batch small-enterprise-mutual-aid-act-20261106T173426-001, translated 2026-11-07
- claude-sonnet-5-5 — Machine translation, batch small-enterprise-mutual-aid-act-20261106T173426-002, translated 2026-11-07
- claude-sonnet-5-5 — Machine translation, batch small-enterprise-mutual-aid-act-20261106T173426-003, translated 2026-11-07
- claude-sonnet-5-5 — Machine translation, batch small-enterprise-mutual-aid-act-20261106T173426-004, translated 2026-11-07
- claude-sonnet-5-5, corrected on review by claude-opus-5-5 — Machine translation corrected on review, batch small-enterprise-mutual-aid-act-20261106T173426-004, translated 2026-11-07
- claude-sonnet-5-5 — Machine translation, batch small-enterprise-mutual-aid-act-20261106T173426-005, translated 2026-11-07
- This site's parser, version 225 — 小規模企業共済法 — structure, counts, cross-references and defined terms, computed 2026-11-06