4 Social Insurance(Health and Pension Insurance)
4 Social Insurance(Health and Pension Insurance)
Regarding enrolment in Social Insurance in the workplace, 97% of Univ. FT Mains replied that they were en-rolled, but only 3% of Univ. PT Mains and 12% of Other PT Mains. 75% of Univ. PT Mains and 81% of Other PT Mains are self-enrolled in National Health Insurance, 15% and 16% respectively are insured as dependents of par-ents or spouses, and 7% and 3% respectively are exempt from paying premiums, having Class 3 status.
As National Health Insurance premiums are very high, 4% of Univ. PT Mains and 35 of Other PT Mains are not enrolled in health insurance.
Some Univ. FT Mains responded that they were not enrolled in Social Insurance in their workplace. This may be by mistake, but it is not unusual for some universities to illegally evade enrolling some categories of employees.
On the other hand, 70% of Univ. PT Mains, 69% of Other PT Mains are paying National Pension Insurance premiums and 17% of each are not paying.

The average yearly National Health Insurance premium for Univ. PT Mains is 264,000 yen, and for Other PT Mains 238,000 yen. This comes to 8.6 % of the Univ. PT Mains' average annual income of 3,060,000 yen. The pen-sion premiums are 13,860 yen a month, and 166,320 yen a year, which amounts to 5.4% of the average annual in-come of a Univ. PT Main, and combining Health and Pension insurance, 13-14% of the annual income.
The current worker's premium for Pension and Health insurance is 11.244% of one's salary (health insurance is 4.1% and pension 7.144% of one's salary), so even looking at the insurance premium alone, there is a very big disadvantage for part-time teachers through not being able to enroll in Social Insurance at their workplaces, and if we consider the pension part on top of that, there is an even bigger disadvantage.
79% of Univ. PT Mains and 75% of Other PT Mains answered positively when asked 'Do you want to enroll in Social Insurance?'

In the 2004 revision of the pension system, the Ministry of Health, Welfare and Labour proposed an amend-ment to allow enrolment in health and pension for a worker who worked in one place over 20 hours a week or had an income of 680,000 yen or more per year, but business groups, etc. opposed this and it was dropped. At the mo-ment the government is reconsidering the issue with a view to widening eligibility for Social Insurance enrolment from 2008 for part-time workers including part-time teachers.

Chart 28 Are you enrolled in social insurance at your workplace? (Q 4.1) Unit:per
Univ. PT Main Other PT Main Univ. FT Main Other FT MainPension MainTotal
Yes 18 (3%) 16 (12%) 119 (97%) 55 (61%) 21 (40%) 229 (23%)
No 575 (96%) 122 (88%) 3 (2%) 35 (39%) 32 (60%) 767 (77%)
Not sure 4 (1%) 1 (1%) 1 (1%) 0 (0%) 0 (0%) 6 (1%)
Total 597 (100%) 139 (100%) 123 (100%) 90 (100%) 53 (100%) 1002 (100%)

Chart 29 What kind of health insurance are you enrolled in ? (Q 4.2) Unit:per
Univ. PT Main Other PT Main Univ. FT Main Other FT MainPension MainTotal
National health
insurance 		414 (75%) 99 (81%) 2 (67%) 25 (86%) 27 (93%) 567 (77%)
As a dependent 83 (15%) 19 (16%) 0 (0%) 1 (3%) 0 (0%) 103 (14%)
Private insurance 36 (6%) 0 (0%) 1 (33%) 3 (10%) 1 (3%) 41 (6%)
Not enrolled 21 (4%) 4 (3%) 0 (0%) 0 (0%) 1 (3%) 26 (4%)
Not sure 0 0 0 0 1 1
Total 554 (100%) 122 (100%) 3 (100%) 29 (100%) 29 (100%) 737 (100%)

Chart 30 Do you pay your own national pension ? (Q 4.3) Unit:per
Univ. PT Main Other PT Main Univ. FT Main Other FT MainPension MainTotal
Paid 373 (70%) 84 (69%) 1 (33%) 23 (72%) 17 (61%) 498 (69%)
Exempt from
paying 		19 (4%) 10 (8%) 1 (33%) 0 (0%) 0 (0%) 30 (4%)
Class-3 insured 38 (7%) 4 (3%) 0 (0%) 0 (0%) 0 (0%) 42 (6%)
Period of payment
is over 		131 (2%) 3 (2%) 0 (0%) 2 (6%) 9 (32%) 27 (4%)
Not paid 90 (17%) 21 (17%) 1 (33%) 7 (22%) 2 (7%) 121 (17%)
Not sure 13 1 0 0 0 14
Total 533 (100%) 122 (100%) 3 (100%) 32 (100%) 28 (100%) 718 (100%)

Chart 31 Would you like to be enrolled in social insurance if your part-time employer provides it ? (Q 4.4) Unit:per
Univ. PT Main Other PT Main Univ. FT Main Other FT MainPension MainTotal
Yes 438 (79%) 90 (75%) 2 (67%) 15 (50%) 16 (59%) 561 (77%)
No 37 (7%) 6 (5%) 0 (0%) 11 (37%) 5 (19%) 59 (8%)
Not sure 76 (14%) 24 (20%) 1 (33%) 4 (13%) 6 (22%) 111 (15%)
Total 551 (100%) 120 (100%) 3 (100%) 30 (100%) 27 (100%) 731 (100%)

Chart 32 What is the total annual premium paid for antional health insurance this year for your entire household ? (Q 4.5) Unit:per
Univ. PT Main Other PT Main Univ. FT Main Other FT MainPension MainTotal
Less than 50,000 25 (7%) 6 (7%) 0 (0%) 0 (0%) 1 (3%) 32 (6%)
Less than 100,000 34 (9%) 12 (14%) 2 (10%) 3 (11%) 1 (3%) 52 (10%)
Less than 200,000 91 (24%) 28 (33%) 1 (5%) 7 (25%) 3 (10%) 130 (24%)
Less than 300,000 96 (25%) 13 (15%) 3 (14%) 2 (7%) 8 (28%) 122 (23%)
Less than 400,000 47 (12%) 12 (14%) 6 (29%) 4 (14%) 7 (24%) 76 (14%)
Less than 500,000 39 (10%) 5 (6%) 0 (0%) 3 (11%) 7 (24%) 54 (10%)
Over 500,000 45 (12%) 10 (12%) 9 (43%) 9 (32%) 2 (7%) 75 (14%)
Not sure 39 13 12 8 4 76
Total 377 (100%) 86 (100%) 21 (100%) 28 (100%) 29 (100%) 541 (100%)
Average 264,000 yen238,000 yen386,000 yen 38,000 yen@@319,000 yen@@271,000 yen
Profile & Index How 1 Makeup 2 Income & Expenditure 3 Work style 4 Social Insurance 5 General 6 Free Comments Appendix