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How to Calculate the Amount Borne by a Member

March.23.2026

The amount to be borne by a member is a half of the total amount resulting from multiplying each of the member’s “Monthly Standard Salary” and “Standard Bonus” by the respective premium rate. If the amount contains any fraction, it is processed as follows:

When the school deducts the amount to be borne by the member from the member’s salary, if the halved amount has a fraction of 50 sen or less, the fraction is rounded down to 0 and if the fraction is 50 sen or more, it is rounded up to the nearest 1 yen.

Calculation example

Salary-based premiums(age 40 to 64. Assuming that there are no subsidies from the prefecture)

Premium category

Monthly Standard Salary

Premium rate

Premium amount

Half amount

Amount to be borne by the member

Short-Term Benefit premiums(including welfare service premium)

150,000 yen ×

9.251/100 =

13,876.50 yen

6,938.25 yen

6,938 yen(1)

Nursing-Care premiums

150,000 yen ×

1.554/100 =

2,331.00 yen

1,165.50 yen

1,165 yen(2)

Employees' Pension Insurance premiums(private schools version)after redcuction

150,000 yen ×

17.097/100 =

25,645.50 yen

12,822.75 yen

12,823yen(3)

Retirement Pension Benefit premiums

150,000 yen ×

1.20/100 =

1,800.00 yen

900.00 yen

900 yen(4)

Total of(1)+(2)+(3)+(4)=21,826 yen

Bonus-based premiums(age 40 to 64. There are no subsidies from the prefecture for this category)

Premium category

Monthly Standard Salary

Premium rate

Premium amount

Half amount

Amount to be borne by the member

Short-Term Benefit premiums(including welfare service premium)

530,000 yen ×

9.251/100 =

49,030.30 yen

24,515.150 yen

24,515 yen(1)

Nursing-Care premiums

530,000 yen ×

1.554/100 =

8,236.20 yen

4,118.100 yen

4,118 yen(2)

Employees' Pension Insurance premiums(private schools version)after redcuction

530,000 yen ×

17.097/100 =

90,614.10 yen

45,307.050 yen

45,307 yen(3)

Retirement Pension Benefit premiums

530,000 yen ×

1.20/100 =

6,360.00 yen

3,180.000 yen

3,180 yen(4)

Total of(1)+(2)+(3)+(4)=77,120 yen

Premiums Reference Chart

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