When you turn 65, I become a Category 1 insured person for long-term care insurance.
Since they were insured under the second category, they were deducted together with the health insurance, but now they have to pay separately from the health insurance.
From the next fiscal year, it will be automatically deducted from my pension, but this year I'm supposed to pay it with a payment slip, which I paid at Family Mart the day before yesterday.
I have to pay 13,200 yen in November and 13,000 yen every month until next March.
The health insurance premiums are cheaper than the national health insurance premiums because I have voluntary health insurance, but it is still 21,200 yen per month. So the total cost of long-term care insurance and health insurance is 34,200 yen per month, which is quite expensive.
The standard amount of long-term care insurance premiums is determined by the municipality.
Basically, the system estimates the total amount of long-term care services, and 50% of that amount is covered by taxes, 27% by those insured under Category 2, and the remaining 23% by those insured under Category 1.
Therefore, municipalities with a large number of elderly people and a large number of users of long-term care services will also have higher long-term care insurance premiums.
In the case of Ryugasaki City, the standard amount of annual premiums for Category 1 insured persons is 65,000 yen, and based on this amount, they pay premiums according to their income. Therefore, the higher the income, the higher the premium.
In my case, my income for the previous year was more than 3 million yen but less than 4 million yen, so I was placed on the 9th step, and my annual premium was 104,500 yen.
This is divided into 8 installments per year, so each installment is 13,000 yen.
So to be precise, the monthly premium would be 8,700 yen.
Income is calculated by subtracting social insurance premiums and dependent care deductions from the basic deduction from income, so since there is 1.1 million yen deducted from the pension, income will be reduced to the second stage, which is 2,560 yen per month.
However, next year's income will be subject to this year's tax, so the burden is expected to be almost the same as this year's.
I'm currently unemployed, but I'm planning to get a job soon, so the nursing care insurance premiums are unlikely to go down for a while.
Even if you retire and start living on a pension, the following year's health insurance, nursing care insurance, and inhabitant tax will be based on your income before you retire, so paying for them will be an unexpectedly large expense even though your income has decreased.
Well, this is also a national obligation, so it can't be helped.
I guess I should be thankful that I have enough income to pay for it.
I'll still be working and paying taxes and social insurance premiums.
