Japan’s pension system has many problems. It is complex. The Kokumin Nenkin pension system is for self-employed people, pensioners and jobless people. The Kosei Nenkin system is for workers at larger companies, and the Kyosai Nenkin system is for public servants and teachers. There is another system for workers at small companies.

Premiums and benefits differ from system to system. Less than 50 percent of Kokumin Nenkin participants are actually paying their premiums. If this rate of delinquency keeps up, it is feared that many people will have to live on small pensions, if any, thereby creating a serious social problem.

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