# 中小企業退職金共済法 / Small and Medium Sized Enterprise Retirement Allowance Cooperative Act — 第五章 (Chapter 5) This is the Markdown twin of https://japanlaw.org/en/sme-retirement-allowance-act/ch-5. Every law, and how to address a provision: https://japanlaw.org/llms.txt. The same laws as MCP tools (no sign-in): https://japanlaw.org/mcp. - Law: 中小企業退職金共済法 (Small and Medium Sized Enterprise Retirement Allowance Cooperative Act), 昭和三十四年法律第百六十号 - English title "Small and Medium Sized Enterprise Retirement Allowance Cooperative 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: 第五章 (Chapter 5) — address `ch-5` - Text in force since: 2025-06-01 - URL (the page that opens at this provision): https://japanlaw.org/en/sme-retirement-allowance-act/ch-5 - e-Gov law ID: 334AC0000000160 — never renamed. A permanent link, `/l/{lawId}/{address}` on this site, redirects to the page. - Every provision below carries its address and its URL on the line under it. - Japanese text: e-Gov 法令検索, Digital Agency (デジタル庁). English: as marked on each line below. 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. --- ## 第五章　退職金共済契約と特定業種退職金共済契約との関係 — Chapter V Relationship Between Retirement Allowance Mutual Aid Contracts and Specified-Industry Retirement Allowance Mutual Aid Contracts heading: machine translation, not official ch-5 · https://japanlaw.org/en/sme-retirement-allowance-act/ch-5 ### 第五十四条（被共済者に関する制限） — Restrictions on Covered Employees caption: machine translation, not official art-54 · https://japanlaw.org/en/sme-retirement-allowance-act/art-54 **第一項** 現に退職金共済契約の被共済者である者は、特定業種退職金共済契約の被共済者とならない。 art-54/par-1 · https://japanlaw.org/en/sme-retirement-allowance-act/art-54/par-1 A person who is currently a covered employee under a retirement allowance mutual aid contract does not become a covered employee under a specified-industry retirement allowance mutual aid contract. machine translation, not official **第二項** 現に特定業種退職金共済契約の被共済者である者については、その者を被共済者とする退職金共済契約を締結することができない。 art-54/par-2 · https://japanlaw.org/en/sme-retirement-allowance-act/art-54/par-2 With respect to a person who is currently a covered employee under a specified-industry retirement allowance mutual aid contract, a retirement allowance mutual aid contract naming that person as a covered employee may not be concluded. machine translation, not official ### 第五十五条（被共済者が移動した場合の取扱い） — Treatment Where a Covered Employee Moves caption: machine translation, not official art-55 · https://japanlaw.org/en/sme-retirement-allowance-act/art-55 **第一項** 機構は、第一号に掲げる場合にあつては同号に規定する被共済者に支給すべき退職金、第二号に掲げる場合にあつては退職金共済契約の被共済者でなくなつた時において退職したものとみなした場合にその者に支給すべきこととなる退職金に相当する額（納付された掛金及び過去勤務掛金の総額がこれを超える場合（第十条第五項の規定により退職金の額が減額して支給されるべきときを除く。）又は同条第一項ただし書の規定に該当する場合は、納付された掛金及び過去勤務掛金の総額）を、厚生労働省令で定めるところにより、第七十四条第一項の規定により設けられている一般の中小企業退職金共済業務に係る勘定から、同項の規定により設けられている特定業種退職金共済業務に係る勘定のうち当該特定業種に係るものに繰り入れなければならない。 art-55/par-1 · https://japanlaw.org/en/sme-retirement-allowance-act/art-55/par-1 The Organization must transfer, as provided for by Order of the Ministry of Health, Labour and Welfare, from the account for general small and medium-sized enterprise retirement allowance mutual aid operations established under Article 74, paragraph (1) to the part of the accounts for specified-industry retirement allowance mutual aid operations established under that paragraph that relates to the specified industry concerned, an amount equivalent to, in the case listed in item (i), the retirement allowance to be paid to the covered employee prescribed in that item, and, in the case listed in item (ii), the retirement allowance that would be payable to a person if that person were deemed to have retired at the time of ceasing to be a covered employee under a retirement allowance mutual aid contract (or, where the total amount of premiums and past service premiums paid exceeds that amount (excluding the case where the retirement allowance is to be paid in a reduced amount under the provisions of Article 10, paragraph (5)) or where the proviso to paragraph (1) of that Article applies, the total amount of premiums and past service premiums paid): machine translation, not official **一** 退職金共済契約の被共済者が退職した後三年以内に、退職金を請求しないで特定業種退職金共済契約の被共済者（当該請求をしたとした場合にその者に支給されることとなる退職金に相当する額の全部又は一部が第三十一条第一項の規定により同項に規定する団体に引き渡された被共済者を除く。）となり、かつ、その者から掛金納付月数をその者に係る特定業種掛金納付月数に通算することを希望する旨の申出があつた場合において、その退職が当該被共済者の責めに帰すべき事由又はその都合（厚生労働省令で定めるやむを得ない事情に基づくものを除く。）によるものでないと厚生労働大臣が認めたとき。 art-55/par-1/item-1 · https://japanlaw.org/en/sme-retirement-allowance-act/art-55/par-1/item-1 where, within three years after a covered employee under a retirement allowance mutual aid contract has retired, that person becomes a covered employee under a specified-industry retirement allowance mutual aid contract without claiming the retirement allowance (excluding a covered employee for whom all or part of the amount equivalent to the retirement allowance that would have been paid to that person had the claim been made has been handed over, under Article 31, paragraph (1), to the organization prescribed in that paragraph), and that person has filed a request to have the number of months of paid premiums aggregated with the specified-industry number of months of paid premiums for that person, and the Minister of Health, Labour and Welfare finds that the retirement was not due to grounds attributable to that covered employee or to that employee's own convenience (excluding that based on unavoidable circumstances specified by Order of the Ministry of Health, Labour and Welfare); machine translation, not official **二** 共済契約者から、現に退職金共済契約の被共済者である者の同意を得て、その者を特定業種退職金共済契約の被共済者に変更し、かつ、掛金納付月数をその者に係る特定業種掛金納付月数に通算することを希望する旨の申出があつたとき（当該被共済者が特定業種退職金共済契約の被共済者となつたときに限る。）。 art-55/par-1/item-2 · https://japanlaw.org/en/sme-retirement-allowance-act/art-55/par-1/item-2 where a request is made by a mutual aid policyholder, with the consent of a person who is currently a covered employee under a retirement allowance mutual aid contract, to change that person into a covered employee under a specified-industry retirement allowance mutual aid contract and to have the number of months of paid premiums aggregated with the specified-industry number of months of paid premiums for that person (limited to the case where that covered employee has become a covered employee under a specified-industry retirement allowance mutual aid contract). machine translation, not official **第二項** 前項の繰入れがあつたときは、その者について、その者に係る特定業種退職金共済契約についての掛金の納付があつたものとみなす。この場合において、掛金納付月数に特定業種掛金納付月数を加えた月数が二十四月（その者が第四十三条第一項第一号若しくは第二号イに該当するとき、又は特定業種のうち厚生労働大臣が指定するものに係る特定業種退職金共済契約の被共済者であるときは、十二月）以上となる者及び当該繰り入れた金額から当該加えた月数に係る金額として政令で定める金額を控除した残余の額を有する者に関して前項の繰入れがあつた後に行われる特定業種退職金共済契約に係る退職金の支給については、同条第一項ただし書の規定は、適用しない。 art-55/par-2 · https://japanlaw.org/en/sme-retirement-allowance-act/art-55/par-2 When a transfer under the preceding paragraph has been made, premiums are deemed to have been paid for that person under the specified-industry retirement allowance mutual aid contract for that person; in this case, the proviso to Article 43, paragraph (1) does not apply to the payment of a retirement allowance under a specified-industry retirement allowance mutual aid contract made after the transfer under the preceding paragraph with regard to a person for whom the number of months obtained by adding the specified-industry number of months of paid premiums to the number of months of paid premiums is 24 months or more (12 months where that person falls under Article 43, paragraph (1), item (i) or item (ii), (a), or is a covered employee under a specified-industry retirement allowance mutual aid contract relating to a specified industry designated by the Minister of Health, Labour and Welfare), and with regard to a person who has the remaining amount obtained by deducting from the amount transferred an amount specified by Cabinet Order as the amount relating to the number of months so added. machine translation, not official **第三項** 前項の規定により納付があつたものとみなされる掛金に係る特定業種掛金納付月数の算定方法その他前二項の規定の適用がある場合における退職金等の支給に関し必要な事項は、政令で定める。 art-55/par-3 · https://japanlaw.org/en/sme-retirement-allowance-act/art-55/par-3 The method of calculating the specified-industry number of months of paid premiums for premiums deemed to have been paid pursuant to the preceding paragraph, and other matters necessary for the payment of a retirement allowance, etc. where the preceding two paragraphs apply, are specified by Cabinet Order. machine translation, not official **第四項** 特定業種退職金共済契約の被共済者であつた者が退職金共済契約の被共済者となつた場合の取扱いについては、前三項の例による。この場合において、第一項中「退職したものとみなした場合」とあるのは、「第四十三条第一項第二号ハに該当したものとみなした場合（同条第三項の規定により、同号ハに該当したものとみなされる場合を含む。）」と読み替えるものとする。 art-55/par-4 · https://japanlaw.org/en/sme-retirement-allowance-act/art-55/par-4 The treatment of a person who was a covered employee under a specified-industry retirement allowance mutual aid contract and has become a covered employee under a retirement allowance mutual aid contract is governed by the examples of the preceding three paragraphs; in this case, the phrase "if that person were deemed to have retired" in paragraph (1) is deemed to be replaced with "if that person were deemed to have fallen under Article 43, paragraph (1), item (ii), (c) (including the case where that person is deemed, pursuant to Article 43, paragraph (3), to have fallen under item (ii), (c) of paragraph (1) of that Article)". machine translation, not official --- ## Cites - art-55/par-1: 第一号 → 中小企業退職金共済法 第五十五条第一項第一号 (Article 55, paragraph (1), item (i)), art-55/par-1/item-1 — https://japanlaw.org/en/sme-retirement-allowance-act/art-55/par-1/item-1 - art-55/par-1: 第二号 → 中小企業退職金共済法 第五十五条第一項第二号 (Article 55, paragraph (1), item (ii)), art-55/par-1/item-2 — https://japanlaw.org/en/sme-retirement-allowance-act/art-55/par-1/item-2 - art-55/par-1: 第十条第五項 → 中小企業退職金共済法 第十条第五項 (Article 10, paragraph (5)), art-10/par-5 — https://japanlaw.org/en/sme-retirement-allowance-act/art-10/par-5 - art-55/par-1: 同条第一項 → 中小企業退職金共済法 第十条第一項 (Article 10, paragraph (1)), art-10/par-1 — https://japanlaw.org/en/sme-retirement-allowance-act/art-10/par-1 - art-55/par-1: 第七十四条第一項 → 中小企業退職金共済法 第七十四条第一項 (Article 74, paragraph (1)), art-74/par-1 — https://japanlaw.org/en/sme-retirement-allowance-act/art-74/par-1 - art-55/par-1/item-1: 第三十一条第一項 → 中小企業退職金共済法 第三十一条第一項 (Article 31, paragraph (1)), art-31/par-1 — https://japanlaw.org/en/sme-retirement-allowance-act/art-31/par-1 - art-55/par-2: 前項 → 中小企業退職金共済法 第五十五条第一項 (Article 55, paragraph (1)), art-55/par-1 — https://japanlaw.org/en/sme-retirement-allowance-act/art-55/par-1 - art-55/par-2: 第四十三条第一項第一号 → 中小企業退職金共済法 第四十三条第一項第一号 (Article 43, paragraph (1), item (i)), art-43/par-1/item-1 — https://japanlaw.org/en/sme-retirement-allowance-act/art-43/par-1/item-1 - art-55/par-2: 第二号 → 中小企業退職金共済法 第四十三条第一項第二号 (Article 43, paragraph (1), item (ii)), art-43/par-1/item-2 — https://japanlaw.org/en/sme-retirement-allowance-act/art-43/par-1/item-2 - art-55/par-2: 同条第一項 → 中小企業退職金共済法 第四十三条第一項 (Article 43, paragraph (1)), art-43/par-1 — https://japanlaw.org/en/sme-retirement-allowance-act/art-43/par-1 - art-55/par-3: 前項 → 中小企業退職金共済法 第五十五条第二項 (Article 55, paragraph (2)), art-55/par-2 — https://japanlaw.org/en/sme-retirement-allowance-act/art-55/par-2 - art-55/par-3: 前二項 → 中小企業退職金共済法 第五十五条第一項 (Article 55, paragraph (1)), art-55/par-1 — https://japanlaw.org/en/sme-retirement-allowance-act/art-55/par-1 - art-55/par-4: 前三項 → 中小企業退職金共済法 第五十五条第一項 (Article 55, paragraph (1)), art-55/par-1 — https://japanlaw.org/en/sme-retirement-allowance-act/art-55/par-1 - art-55/par-4: 前三項 → 中小企業退職金共済法 第五十五条第二項 (Article 55, paragraph (2)), art-55/par-2 — https://japanlaw.org/en/sme-retirement-allowance-act/art-55/par-2 - art-55/par-4: 前三項 → 中小企業退職金共済法 第五十五条第三項 (Article 55, paragraph (3)), art-55/par-3 — https://japanlaw.org/en/sme-retirement-allowance-act/art-55/par-3 - art-55/par-4: 第四十三条第一項第二号 → 中小企業退職金共済法 第四十三条第一項第二号 (Article 43, paragraph (1), item (ii)), art-43/par-1/item-2 — https://japanlaw.org/en/sme-retirement-allowance-act/art-43/par-1/item-2 - art-55/par-4: 同条第三項 → 中小企業退職金共済法 第四十三条第三項 (Article 43, paragraph (3)), art-43/par-3 — https://japanlaw.org/en/sme-retirement-allowance-act/art-43/par-3 --- ## Sources - e-Gov 法令検索, Digital Agency (デジタル庁) — 中小企業退職金共済法 — the text in force from 2025-06-01 (https://laws.e-gov.go.jp/law/334AC0000000160/20250601_504AC0000000068), retrieved 2026-11-06 - Japanese Law Translation Database System, Ministry of Justice (法務省) — 中小企業退職金共済法 — its English title as the Ministry of Justice's translation database lists it (https://www.japaneselawtranslation.go.jp/en/laws/view/1775), retrieved 2026-09-23 - claude-sonnet-5-5 — Machine translation, batch sme-retirement-allowance-act-20261106T173426-010, translated 2026-11-07 - claude-sonnet-5-5, corrected on review by claude-opus-5-5 — Machine translation corrected on review, batch sme-retirement-allowance-act-20261106T173426-010, translated 2026-11-07 - claude-sonnet-5-5 — Machine translation, batch sme-retirement-allowance-act-20261106T173426-011, translated 2026-11-07 - This site's parser, version 225 — 中小企業退職金共済法 — structure, counts, cross-references and defined terms, computed 2026-11-06