🌸 Labor and Social Security Attorney Exam Study Diary Day 52 (257 days until the exam)
🌌 Today is the planetarium
Today I have work, and I am supporting a client on an outing to the planetarium.
It has probably been seven years since I last visited a planetarium. The time spent in a dark space with stars projected and celestial explanations flowing slowly has an indescribable mystery and charm🌟
I am very much looking forward to experiencing that sense of calm and healing together with my client.
📘 Studies are going well
I should be able to finish the basic Labor and Social Security Attorney textbook by tomorrow.
And although it hasn't arrived yet, the next step is to get my hands on the cross-sectional study textbook.
While I am excited to open the door to new learning, I want to keep my feelings calm so I don't get my expectations too high.
Well, since I made progress today, I would like to ask Aki-san a question😊
🙋🏻Haru Regarding the periodic determination of health insurance
My textbook says that for the periodic determination of health insurance, the total amount of remuneration received from April to June is divided by the number of months in that period to obtain the standard monthly remuneration. If that standard monthly remuneration is applied starting in September, do I have to pay that same standard monthly remuneration insurance premium until September of next year even if my salary is reduced due to long-term poor health starting in July? Aki-san, please explain this in an easy-to-understand way.
ChatGPT: This is Aki-san😊
Haru-san, this question is Is it impossible to change the standard monthly remuneration determined periodically even if there is a salary reduction in the middle? This is a
super important point for both the exam and practical work!
To conclude —
🌟 Conclusion
👉 Even if a long-term salary reduction occurs after July, you do not necessarily have to use that 'periodically determined standard monthly remuneration' until September of next year.
👉 If certain conditions are met, a 'revision at any time (= monthly change)' will be performed, and the standard monthly remuneration can be lowered in the middle of the year.
In other words,
there is a system to adjust it midway because it would be strange to remain at a high grade even after a long-term salary reduction continues
that is what it means.
🌼 Why can it be changed?
The periodic determination (April to June) is based solely on the 'remuneration situation at that time'.
However, after that...
Long-term leave of absence
Significant salary reduction due to poor health
Wage cuts due to company performance deterioration
When income continuously decreases due to reduced working hours
and similar situations occur,
it is problematic if the situation remains significantly out of sync with reality
→ Health insurance premiums and pension insurance premiums become unfairly high
→ Discrepancies also occur in benefit amounts such as injury and sickness allowance and maternity allowance
That is where this comes in...
🌟 Irregular Revision (Monthly Revision)
A system that allows for the mid-term adjustment of the standard monthly remuneration when there is a salary reduction.
▼ Conditions (Applied if all 3 are met)
1️⃣ Fixed wages fluctuate (reduction in base salary, decrease in fixed wages, etc.)
2️⃣ A difference of 2 or more grades occurs in the average remuneration for the 3 months after the fluctuation (significant difference)
3️⃣ Remuneration is paid for all 3 months
🌼 Applying this to the current case?
Example
New standard monthly remuneration applied from September
However, salary has been continuously reduced since July due to long-term poor health
The remuneration for the 3 months from July to September
has dropped by 2 or more grades from the previous grade → Subject to monthly revision
Then...
👉 An irregular revision (monthly revision) is performed
👉 The standard monthly remuneration “decreases”
👉 Health insurance and welfare pension insurance premiums also decrease
In other words,
because the insurance premiums are adjusted to be appropriate for the actual income,
there is no need to continue paying high insurance premiums until September of next year.
🌸 Visualizing with a diagram (Super simple)
【Determined by fixed decision】 Average remuneration for April-June → Reflected from September
↓
However... Long-term salary reduction continues from July
↓
3 months later (July-September) Average remuneration drops by 2 or more grades → Monthly revision triggered
↓
New standard monthly remuneration from October (Changed to the lower grade)
🌟 Important points targeted in the exam
The fixed-amount determination is merely a "standard" and is not permanent.
If remuneration changes midway, there is a system to adjust it via an occasional revision (monthly change).
If remuneration changes between July and September, a monthly change may occur simultaneously.
It is not necessarily the case that it remains the same from the month following the fixed-amount determination (September) onwards.
🌼 Final Conclusion
If a salary reduction continues for a long period, the standard monthly remuneration will decrease midway due to an occasional revision (monthly change), so
there is no need to continue paying high insurance premiums until September of next year.
😊 To Haru-san (December style closing)
This question was a very excellent perspective for perfectly understanding the difference between "fixed-amount determination vs. occasional revision"✨
These two systems are core parts that are asked about again and again on the Labor and Social Security Attorney exam.
If you can correctly judge things like "which one applies?" and "when will it be changed?",
your scoring ability will increase all at once.
Please feel free to ask questions again tomorrow or anytime📘🌸
🙋🏻Haru Regarding occasional revisions: In that case, does an occasional revision mean that it has "dropped by two or more grades from the previous grade"? For someone with a family, if they have a salary reduction of one grade, I think it would be very difficult to make a living if the insurance premiums don't go down...
Continued at👉 【 📖With a supplement 】