If You Work While Receiving Unemployment Benefit

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If you find stable employment, your unemployment benefit payments stop. However, if you do casual work for small sums of money, you can still receive reduced benefit.

How to calculate the average daily wage on which all calculations are based

average daily wage = the total amount of the insured person’s daily wage for the last 6 months  180 days

How to calculate the daily benefit payment

daily benefit payment = the average daily wage x (80~50%)
in the case of a person over 60 and under 65, daily benefit payment = the average daily wage x (80~45%)

The lower the wage, the higher the percentage rate of benefit.
average daily wage under 4,080 yen: benefit = 80% of wage
average daily wage over 11,820 yen: benefit = 50% of wage (for a person under 60)
For average daily wages between these levels, the percentage rate of benefit is calculated according to a formula.

In addition, there are maximum and minimum amounts of benefit according to age.
maximum amounts
60~64 years: 6,777 yen
45~49 years: 7,775 yen
30~44 years: 7,070 yen
~29 years: 6,365 yen
minimum amount
all ages: 1,656 yen

Benefit for a 28-day period is paid after authorisation at 4-weekly intervals.

How to calculate the reduction of benefit when income is earned during a period of unemployment

1. The actual daily earnings (the amount obtained after dividing the earnings for the period by the number of working days) minus 1,341 yen are counted as “income”.
2. If the total of “income” and the daily benefit payment is less than 80% of the average daily wage, full benefit is paid.
3. If the total of “income” and the daily benefit payment exceeds 80% of the average daily wage, the excess portion is deducted from benefit.
4. If “income” exceeds 80% of the average daily wage, no benefit is payable.

Example
average daily wage = 7,000 yen
daily benefit payment = 4,807 yen
In a 28 day period, 2 days were worked and 6,000 yen was earned.
“income” = (6,000 yen  2 days) – 1,341 yen = 1,659 yen
“income” + daily basic benefit = 1,659 + 4,807 = 6,466 yen

80% of the amount of wages = 7,000 x 80% = 5,600 yen
amount of deduction = 6,466 yen – 5,600 yen = 866 yen

Accordingly, the total amount of unemployment benefit payable is 4,807 yen x 26 days + (4,807 - 866 yen ) x 2 days = 132,864 yen.

For further details see http://www.generalunion.org/doc/070702koyohoken.pdf (Japanese)
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