Science and Technology Pension Fund

Payment of benefits

**If you have paid into the system for at least 15 years: (*There are some exceptions to this rule.)**

Once you reach the age at which you are eligible to apply for pension payments (and you have made contributions for at least 15 years), you are eligible to receive annual pension payments for the remainder of your life even if you live outside of Japan.

If you have paid into the system for less than 15 years:

For those who have contributed for less than 15 years, you will have two options available to you when you leave RIKEN.

Lump-sum refund of additional pension (kasan kakekin) + base annual pension (hyojun kakekin) * This is the only option available to those who are 60 or over.

Receive a lump-sum refund of your additional pension when you leave RIKEN, and a base annual pension when you reach the eligible age (see table above). A claim form for the lump-sum refund will be provided to you when you leave RIKEN. The refund must be claimed directly from the Science and Technology Pension Fund within two months of your leaving RIKEN, otherwise you will not receive the refund.

Regular annual pension: base annual pension (hyojun kakekin) + additional pension (kasan kakekin)
Receive a regular annual pension that is made up of your base annual pension and your additional pension (provided you did not request a lump-sum refund of your additional pension when you left RIKEN) beginning when you reach the eligible age.

Premium

You share of the premium for your health and dental insurance will be automatically deducted from your monthly salary. Your employer will also pay a portion of the premium. The amount deducted depends on your salary.

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Payment of benefits

If you have paid into the system for at least 15 years: (*There are some exceptions to this rule.)

Premium

**If you have paid into the system for at least 15 years: (*There are some exceptions to this rule.)**