With regard to the so-called "annual income barrier," in which social insurance premiums are incurred when income exceeds a certain level, and take-home payments are reduced, Prime Minister Kishida announced that from next month he will implement measures to subsidize up to 1,50 yen per employee to companies that have worked to prevent a decrease in take-home income.
If the "annual income barrier" is exceeded, some people will reduce their working hours because their take-home income will decrease, and it has been pointed out that this is a factor in labor shortages. Can these concerns be dispelled?
table of contents
What is the "annual income barrier"?
notice
Concerns about labor shortages at supermarkets
How much do you actually "lose"?
Impact of wage increases Because the "annual income barrier" will be reached quickly ...
Will many people adjust their employment due to wage increases?
notice
"Support Enhancement Package" to be decided within the week
Expert "Fundamental review of the system is necessary"
Open Table of Contents
table of contents
table of contents
What is the "annual income barrier"?
notice
Concerns about labor shortages at supermarkets
How much do you actually "lose"?
Impact of wage increases Because the "annual income barrier" will be reached quickly ...
Will many people adjust their employment due to wage increases?
notice
"Support Enhancement Package" to be decided within the week
Expert "Fundamental review of the system is necessary"
What is the "annual income barrier"?
If you work for a company and are dependent on your spouse who is enrolled in the welfare pension or health insurance, you can receive basic pension and medical treatment covered by insurance without having to pay social insurance premiums yourself.
However, if you work part-time and exceed a certain annual income, you will have to remove your dependents and pay insurance premiums yourself, and it is called the "annual income wall" because your take-home income decreases.
Those who work at companies with 101 or more employees are no longer dependent if their annual income exceeds 106.125 million yen, and their take-home payments for welfare pension and health insurance premiums will decrease, and this situation will continue to be approximately <>.<> million yen.
- notice
Concerns about labor shortages at supermarkets
The supermarket industry, where many part-time employees work, has voiced concerns about labor shortages due to employees reducing working hours with an awareness of the "barrier of annual income."
"Don't exceed your monthly income of 8,8000 yen..."
Ichiyama Mart, which operates 15 supermarkets mainly in Yamanashi Prefecture, has more than 1400,8 employees, of which about 1100,34, or about 1%, work part-time.
Mai Saito, a 20-year-old employee in charge of displaying products, records her commuting time and daily allowance with a smartphone app.
We thoroughly manage our annual income so that we do not exceed the barrier of annual income, and we limit the number of working hours per week to not exceed <> hours.
Mai Saito
: "I am careful not to exceed 8,8000 yen per month so as not to fall out of my husband's support. To be honest, even if you are told that you will get your pension back, you don't know how far you will get back, so I think it's better to manage it every month."
How much do you actually "lose"?
If the "annual income barrier" is exceeded, how much will the household "lose"?
Requirements vary depending on where you live and the size of the company you work for.
Nomura Research Institute has set the conditions and made the following calculations.
[Conditions]
● Two-person household (no other dependents) ● Husband's annual income 500 million yen (excluding family allowance)
● Tax and insurance premiums are deducted
● Wife works
part-time ● Wife's annual income is ...
・ Resident tax will be charged for more than 100 million yen ・ Suspension of payment of "family allowance" of 103,1 yen per month for companies over 7000.106 million yen
・ Social insurance enrollment for more than <>.<> million yen
When the wife's annual income is 100 million yen, the take-home amount of the household is "513.106 million yen", but when the wife's annual income rises to 489.24 million yen, social insurance premiums and other payments increase, and the take-home amount decreases to "4.138 million yen". This difference of "<>,<> yen" is, so to speak, "work loss".
In order to increase take-home income beyond the "annual income barrier", the wife must work until she is <>.<> million yen or more, which is <>% more than her annual income.
Impact of wage increases Because the "annual income barrier" will be reached quickly ...
Another factor that is considered to be the cause of the labor shortage is the increase in the minimum wage.
The minimum wage in Yamanashi Prefecture will increase from 898 yen to 938 yen per hour from next month.
This supermarket will raise the hourly wages of many part-time workers by about 3 yen every year for the past three years, and will be further raised from next month.
However, since the "annual income barrier" of 30.106 million yen is reached earlier, an increasing number of people are reducing their working hours in order to keep them within the scope of their spouse's support.
At a store in Chuo City, Yamanashi Prefecture, every Thursday on a bargain day, although the number of customers increased, the number of employees was insufficient to open the cash register sufficiently, and a closed sign was placed in front of the cash register that could not be operated.
In addition, the bread corner has been baking bread many times a day and serving freshly baked, but due to the shortage of employees, everything was finished by early afternoon and it was forced to stop baking after evening.
Takamoto Tsuji, Director
of Ichiyama Mart: "The hourly wage of people who want to work within the scope of their dependents has increased, and they have been asked to reduce their working hours, but it is necessary to hire new people to make up for the reduction.
Will many people adjust their employment due to wage increases?
As the minimum wage continues to be raised significantly over the annual income barrier, it has been pointed out that "employment adjustments" that reduce the number of hours that part-time workers work to keep their annual income within the scope of their spouse's support are accelerating the labor shortage at companies.
The minimum wage has been raised four times in the 10 years up to this fiscal year, setting a record high, and 4 years ago, in 10, the national average hourly wage was 2014 yen, but it has increased by 780 yen, to 224,1004 yen per hour this fiscal year.
According to the Cabinet Office, part-time hourly wages, which are easily affected by the minimum wage, have increased by about 2021% over the past 25 years to 30, while annual income has grown by only about 5%, and an increase in hourly wages does not necessarily lead to an increase in annual income.
In addition, the average total actual working hours per month for part-time workers was 1.1997 hours in 96, but the downward trend continues, decreasing to 8.2021 hours in 78.
According to a survey conducted by the Ministry of Health, Labour and Welfare in 8, 2021.21% of part-time working women with spouses responded that they were adjusting their employment.
When asked about the reason, 8.57% of respondents answered that "if you exceed a certain annual income, you will not be a dependent of your spouse's health insurance or welfare pension insurance and you will have to join it yourself," ▽
"If you exceed a certain working hours, employment insurance, health insurance,
Because I have to pay the premiums of the welfare pension insurance," 3.21% of respondents answered.
"Employment adjustment" > Not
According to a survey conducted last September by Nomura Research Institute, a private think tank, 9.20% of the approximately 69,3000 women aged 61 to 9 nationwide who have spouses and work part-time or part-time jobs answered that they are adjusting their employment, far exceeding the 38.1% who said they did not make adjustments.
In addition, 59.4% of respondents answered that they had experienced the need to "adjust their employment" more than before due to the increase in hourly wages.
Furthermore, when asked if they would like to work to increase their annual income if their take-home income does not decrease even if they exceed the annual income barrier, 36.8% said "I think so" and 42.1% said "I think so," indicating that nearly 80% would like to work so that their annual income would increase.
Based on the results of these surveys, companies that employ a large number of part-time workers, such as those in the supermarket industry and the lodging industry, have called for measures to be taken because they say that employment adjustments that are conscious of the barrier of annual income are a factor in labor shortages.
- notice
"Support Enhancement Package" to be decided within the week
Prime Minister Kishida told reporters at the Prime Minister's Office on the evening of March 25, "From the perspective of raising the income of the younger generation and addressing labor shortages, we will decide within the week on the 'Package for Strengthening Annual Income Barriers and Support,' and will implement it from next month when the minimum wage of over 1000,<> yen per hour will be implemented."
《The "wall" of 106.106 million yen》Regarding
the "125.1 million yen barrier" in which workers are removed from dependents at companies where the welfare pension is applied, the company will subsidize up to 50,<> yen per employee to companies that provide allowances or wage increases to that level, as take-home payments begin to increase when annual income generally exceeds <>.<> million yen.
This subsidy is intended to prevent a decrease in take-home payments, but we plan to set a deadline, so to speak, it is an immediate measure.
At a council meeting of the Ministry of Health, Labour and Welfare held last week, a proposal to reduce or exempt insurance premiums so that take-home payments would not decrease as a fundamental solution was discussed, but the committee members objected one after another, saying that it lacked fairness with people who were not dependent in the first place.
The Ministry of Health, Labour and Welfare (MHLW) will continue discussions toward the revision of the pension system, which is scheduled to take place next year.
On the
other hand, those who work in workplaces that are not covered by the welfare pension depending on the company or industry with 130 or fewer employees will be removed from their dependents if their annual income exceeds 100.130 million yen and will pay premiums for the National Pension and National Health Insurance, but under the National Pension system, the amount of pension that can be received in the future is the same as when they do not pay themselves.
For this reason, even if the amount exceeds 130.2 million yen, we are adjusting it so that if there is a temporary increase in revenue, it will remain a dependent for up to two years.
In addition, the Ministry of Health, Labour and Welfare (MHLW) will relax the requirements for joining the welfare pension in the future, increase the number of pensions that can be received by paying pension premiums, and allow employees to work without being aware of "barriers."
By joining the
welfare pension and health insurance, you will receive more pensions in the future, as well as "injury and sickness allowance" and "maternity allowance" when you take time off due to injury or illness.
Another challenge is how to make these points known.
Expert "Fundamental review of the system is necessary"
Japan Research Institute Director Kazuhiko Nishizawa
Kazuhiko Nishizawa, director of the Japan Research Institute, who is familiar with the social security system, told NHK that the measures against the "130.<> million yen barrier" have an immediate effect, saying, "As the busy season approaches towards the end of the year, it will be easier for employers to work overtime and reward employers with bonuses for extended working hours."
On the other hand, he pointed out that "expanding the scope of dependents would seem unfair to those who are not receiving benefits," and pointed out that "there are doubts about whether part-time workers want this way of working in the balance between their own time and working time, such as childcare and nursing care," and pointed out that the effectiveness of the measures is unclear.
He then stated, "Although this measure is limited to economic measures to address labor shortages, it is important to review the current system, which was created based on the past values of full-time husbands and wives of full-time housewives who support them, with new values," and expressed the idea that a fundamental review including the nature of dependents is necessary.