Long-Term Care Insurance Premiums and Payment Methods

Insurance premiums for those aged 65 and over (Category 1 insured persons)

The insurance premium standard amount for individuals aged 65 and over is determined based on the total cost of long-term care services used by insured individuals in Inagi City.
The insurance premium standard amount for Inagi City is 67,200 yen per year.

Note: The "standard amount" refers to the amount used as a basis for calculating the insurance premiums for the first category of insured persons under Long-Term Care Insurance (those aged 65 and older), which is determined by ordinance.

Income Levels and Long-Term Care Insurance Premiums [FY2026]

Stage	Eligible Individuals	Insurance Premium Amount (Annual)
Phase 1	Persons receiving old-age welfare pensions, where the individual and all household members are exempt from resident tax Public Assistance Recipients Support Benefits Recipients for Chinese Remaining Nationals Individuals and all household members exempt from resident tax, whose total income amount plus taxable pension income for the previous year is 826,500 yen or less	16,600 yen (Before reduction: 28,000 yen)
Stage 2	All household members are exempt from resident tax, and the total of the individual's income amount from the previous year plus taxable Pension income is over 826,500 yen and up to 1.2 million yen.	28,800 yen (Before reduction: 42,200 yen)
Stage 3	Those whose total income amount from the previous year plus the total amount of taxable Pension income exceeds 1.2 million yen, and all household members are exempt from resident tax.	42,200 yen (Before reduction: 42,500 yen
Stage 4	The individual is exempt from resident tax (with resident tax payers in the household), and the total of the individual's income amount from the previous year plus taxable Pension income is 826,500 yen or less.	55,800 yen
Stage 5	Individuals who are exempt from resident tax (but have a resident tax payer in the household) and whose total income amount plus taxable pension income amount for the previous year exceeds 826,500 yen	67,200 yen
Step 6	Individuals who are subject to resident tax and had a total income amount of less than 1.2 million yen in the previous year	80,600 yen
Step 7	Individuals who are subject to resident tax and had a total income amount of 1.2 million yen or more but less than 2.1 million yen in the previous year	87,300 yen
Step 8	Individuals who are subject to resident tax and had a total income amount of 2.1 million yen or more but less than 3.2 million yen in the previous year	100,800 yen
Step 9	Individuals subject to resident tax with a total income amount of 3.2 million yen or more and less than 4.2 million yen in the previous year	114,200 yen
Step 10	Individuals subject to resident tax with a total income amount of 4.2 million yen or more and less than 5.2 million yen in the previous year	127,600 yen
Step 11	Individuals subject to resident tax with a total income amount of 5.2 million yen or more and less than 6.2 million yen in the previous year	141,100 yen
Step 12	Individuals subject to resident tax with a total income amount of 6.2 million yen or more but less than 7.2 million yen in the previous year	154,500 yen
Step 13	The individual is subject to resident tax, and the total income amount for the previous year is 7.2 million yen or more	161,200 yen

• Note 1:
  The premium assessment reference date (assessment due date) is the first day of the fiscal year (April 1).
  The assessment criteria are determined based on the household situation as of April 1st, so even if there are changes within the household (such as moving in, moving out, or death) after April 2nd, the income level will not change.
  In addition, if you have moved from another city or town, or if you have reached the age of 65, the qualification acquisition date will be the assessment reference date (tax assessment date).
• Note 2:
  Total income amount refers to the sum of income from pensions, salaries, businesses, etc. (the amount after deducting necessary expenses from the income amount), and it is the amount before income deductions such as basic deductions and dependent deductions. Furthermore, the total income amount used for calculating insurance premiums is the amount after deducting the special deduction amount related to short-term and long-term capital gains. Additionally, the total income amount from the first to the fifth stages is the amount after deducting miscellaneous income related to pension income.
• Note 3:
  The amount of taxable pension income refers to the income amount of pensions subject to taxation, such as old-age and retirement pensions, and does not include non-taxable pensions such as survivor and disability pensions.
• Note 4:
  The annual amounts for stages 1 to 3 are the amounts after the reduction of public expenses for those with low income.
• Note 5:
  In the calculation of Long-Term Care Insurance premiums for FY2026, adjustments will be made to the total income amount and the determination of resident tax taxable/non-taxable status to avoid the impact of the FY2025 tax reform, so there may be cases where individuals exempt from resident tax are treated as taxable.

How to Pay Insurance Premiums

The method of paying insurance premiums is divided into two types: deduction from the pension (special collection) and payment by invoice or bank transfer (ordinary collection), depending on the amount of pension received.

Deduction from Pension (Special Collection)

For those with a pension of 180,000 yen or more per year, it will be deducted from the pension.

• Note 1: If you are receiving multiple pensions, the condition is that the pension subject to withholding must be 180,000 yen or more per year (not combined).
• Note 2: If the insurance premium increases during the fiscal year, you will need to pay the increased amount via a payment slip or direct debit.

Payment by payment slip or direct debit (Ordinary Collection)

Those who fall under any of the following categories will be required to make payments via payment slips or bank transfers.

1. Individuals with a pension of less than 180,000 yen per year
2. Those who turned 65 years old (first category insured person) during the fiscal year
3. Those who moved in from other cities or towns during the fiscal year
4. Those who have had a change in income level (insurance premium) during the fiscal year
5. Those who are repaying or have started a pension collateral loan and do not receive a pension
6. Those who have had adjustments to Pension payments, prohibitions, or payment suspensions (e.g., failure to submit a current status report, etc.)

Direct debit (can be used until it becomes a Pension deduction)

How to Set Up Direct Debit

1. Prepare your bankbook, seal (registered seal for the bankbook), and Long-Term Care Insurance premium payment slip.
2. Fill out the necessary information on the "Direct Debit Application Form" at the financial institution and apply.

Notes: Please pay attention to the start period.

Direct Debit Application Form Submission Deadlines [FY2026]

Application Date	Start Period	Transfer Date
Until May 31, 2026	From the 1st term of FY2026	July 31, 2026
Until July 10	From the second term	August 31, 2026
Until August 10	From the 3rd term	September 30, 2026
Until September 10	From the 4th term	November 2, 2026
Until October 10	From the 5th term	November 30, 2026
Until November 10	From the 6th term	December 25, 2026
Until December 10	From the 7th term	February 1, 2027
Until January 10, 2027	From the 8th term	March 1, 2024
Until February 10	From the 9th term	March 31, 2027

Other Payment Methods

• Pay-easy Account Transfer
• Mobile Register
• Smartphone Payment App

• Long-Term Care Insurance Premium "Pay-easy Account Transfer Reception Service"
• Mobile Register

About the Long-Term Care Insurance Premium Reduction System

• Long-Term Care Insurance Premium Reduction System for Those Aged 65 and Over (Category 1 Insured Persons)