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モントリオール在住66歳のキュートな日常と、日本人高齢者の視点で綴るリアル生活Vlog。海外での起業・資産運用・年金の実践的情報を、体験談とわかりやすい解...
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カナダにシニア移住！66歳で新たな挑戦へ🚀 こんにちは、久保貴美です。 66歳でカナダ・ビクトリアに移住し、スタートアップに挑戦しながら 現地での生活や気づいたことをシニア目線で発信しています！ 「カナダの物価って本当に高いの？」「シニア移住って大丈夫？」 そんな疑問をお持ちの方に、リアルな暮らしの様子やお得な情報、海外生活のヒントをお届けします。
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モントリオール在住66歳のキュートな日常と、日本人高齢者の視点で綴るリアル生活Vlog。海外での起業・資産運用・年金の実践的情報を、体験談とわかりやすい解説で発信します。日本とカナダの生活文化のギャップを、温かくユーモラスに紹介します。
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ここはパリ？いいえ、ケベック・シティです
#ケベックシティ #ケベック旅行 #カナダ旅行 #海外旅行 #旅の記録 #旅好きな人と繋がりたい #ヨーロッパのような街 #フランスのような街 #旧市街 #クリスマスマーケット #マルシェドノエル #海外の冬 #冬の旅 #海外の街並み #異文化体験 #世界を旅する #旅インスタ #海外の日常 #映画みたいな世界 #旅の一コマ
【緊急】海外の遺族年金に“相続税”がかかる理不尽
#遺族年金 #海外在住 #相続税 #年金問題 #年金相談 #社会保険労務士 #海外で暮らす #年金の落とし穴 #署名活動 #税制改正 #GOODDAY #年金コンサル #海外年金 #知らないと損 #年金被害
同じカナダなのに、ここは別の国だった｜モントリオールの衝撃
#モントリオール #カナダ旅行 #海外旅行記 #旅の記録 #フランス語圏 #ヨーロッパみたい #別の国みたい #ノートルダム大聖堂 #モントリオール美術館 #海外の暮らし #海外の日常 #文化の違い #旅好きな人と繋がりたい #海外の景色 #旅で感じること #大人の旅
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Your Pension Suddenly Stopped The Most Common Cause — and Why the Money Isn't Lost
【Your pension stopped arriving. The money is almost certainly not lost.】 Payments rarely stop for good — far more often, they are suspended. And the overwhelming reason is simple: a required notification never arrived. Once the cause is found and resolved, the payments being held are released. Hello everyone. My name is Kubo from Sharoushi Masters. I worked as a Labor and Social Security Attorney in Japan for many years, and I now do the same work here in BC, Canada. I receive many inquiries about pensions and medical care — and one that comes up again and again is this: "I was receiving a pension from Japan, and also from Canada or the United States where I worked. Then the payments stopped. Why?" ━━━━━━━━━━━━━━ ▼ WHY PAYMENTS STOP ━━━━━━━━━━━━━━ In almost every case, the pension has not ended. It has been suspended. And the reason, overwhelmingly, is that a required notification was never received — or it was sent, and simply never arrived. What makes this so hard to catch: • This type of payment is deposited once every six months, so it is very easy to miss that something is wrong. • The amount is often small — a short period of employment means a smaller pension, which is why it arrives all at once, twice a year. • By the time you notice, you have no idea what happened, or when. • And you were sure you submitted it. This year, or last year? As the years go by, that gets genuinely hard to remember. Here is what I want you to know: once the cause is identified and resolved, the payments that were on hold are released. It is frightening in the moment — but this is usually fixable. And very often, it was never your fault. A postal problem. A house move. Things that had nothing to do with anything you did or didn't do. ━━━━━━━━━━━━━━ ▼ WHO THIS IS FOR ━━━━━━━━━━━━━━ □ Anyone whose pension payment did not arrive as expected □ People receiving pensions from two or more countries □ People who have moved house since payments started □ Anyone unsure whether they filed this year's notification ━━━━━━━━━━━━━━ ▼ CHAPTERS ━━━━━━━━━━━━━━ 0:00 Introduction | Sharoushi Masters 0:07 A Labor and Social Security Attorney in BC, Canada 0:17 What a Sharoushi does, and the national licence behind it 0:47 The topic: when your pension payments suddenly stop 1:05 Why does that happen? 1:19 The overwhelming cause: a notification never arrived 1:29 Paid once every six months — which makes it easy to miss 1:39 A short work period means a small pension, paid all at once 2:05 "I'm sure I submitted it" — was that this year, or last? 2:25 Once the cause is found, the held payments are released 2:31 But in the moment, it is genuinely frightening 2:39 Often not your fault at all — postal issues, or a house move 2:57 Amagasaki, Hyogo for over 35 years | Japan and Canada in real time 3:17 With your authorization, we can act on your behalf 3:38 Not used to LINE? A phone call is perfectly fine ━━━━━━━━━━━━━━ 📩 CONTACT SHAROUSHI MASTERS ━━━━━━━━━━━━━━ Many people tell us they aren't used to LINE, because they haven't lived in Japan for a long time. A phone call is perfectly fine. Reach out, and I will call you back. 📞 Phone — call or leave a message, and I will call you back 672-727-3922 💬 Official LINE (free consultation) https://lin.ee/GrUBIyJ ※ One-on-one. Your information is never shared with others. 🌐 Official Website https://sharoushimastersapp.com/ 🌍 Overseas Medical Expense Support https://x.gd/kFk2V1 📚 Books on Kindle "Your Pension Travels With You" ★★★ INSERT AMAZON URL ★★★ "The Pension Between Two Countries" ★★★ INSERT AMAZON URL ★★★ ━━━━━━━━━━━━━━ ▼ ABOUT SHAROUSHI MASTERS ━━━━━━━━━━━━━━ Kubo holds the Japanese national qualification of Labor and Social Security Attorney (Sharoushi), working under Ministry of Health, Labour and Welfare legislation. Our office in Amagasaki, Hyogo Prefecture has operated for over 35 years with dedicated staff, and we connect Japan and Canada in real time. Only after receiving your formal authorization, we can exercise our professional authority to act on your behalf. Please subscribe, and share this with anyone whose pension has stopped arriving. Most of them assume it is gone. Usually, it isn't. ※ Whether suspended payments are released, and how far back, depends on the cause and on the system paying the pension. ※ Required notifications, their timing, and where they are sent differ by country and by the body paying your pension. Please confirm your own. ※ This video is for general informational purposes only. Rules are subject to change, and amounts vary with your contribution history. #pension #JapanPension #expat #SharoushiMasters #pensionpayments #pensionsuspended #proofoflife #retirement #CPP #JapanCanada #expatlife #retirementincome #socialsecurity #Vancouver #Victoria
2026/10/20•1 回再生•0 高評価
Japan Files After. Canada Files Ahead. Miss That, and 25% Comes Off Your Pension
【Japan files after the fact. Canada files ahead. That gap costs people 25%.】 If you receive pensions from more than one country, each one follows its own tax system — and its own calendar. Miss the timing in one of them and too much tax simply comes off. Filed correctly, it can be almost zero. Hello everyone. I'm Kubo from Sharoushi Masters. Today I'd like to talk about the tax return side of pensions. ━━━━━━━━━━━━━━ ▼ FIRST, THE JAPANESE SIDE ━━━━━━━━━━━━━━ In principle you file every year once a pension starts. But if nothing significant has changed and pension is your only income, there is a system where it is handled for you — so you don't have to file annually. That's because tax is already deducted at the point of payment, based on your registered information such as whether you have dependents. By the time it lands in your account, you have essentially already paid. The moment that changes, you file again. If your dependents change, or if you have other income such as salary alongside your pension, you must file a return — kakutei shinkoku — in February or March of the next year. ━━━━━━━━━━━━━━ ▼ NOW ADD A SECOND COUNTRY ━━━━━━━━━━━━━━ Many people receive a Canadian, American or Asian pension alongside their Japanese one. Each lands in its own account, in its own country. Here is the problem: unless you file for each of them, under each country's own system, there are cases where you will not receive the correct amount. And the calendars do not line up. • JAPAN — you file in February or March, for the income you earned during the previous calendar year. You are looking backwards. • CANADA — the application has to be made ahead of time. Leave it, and the tax is simply deducted from what you receive. It genuinely feels as though the whole timing is shifted by a full year. Japan looks backwards; Canada asks you to act ahead. The same kind of situation applies in the United States. So file under the system of each country where you receive income. Otherwise the tax taken off will not be right — and "not right" almost always means too much. Forget to file and you can end up with 25% deducted. File correctly and in many cases it comes to almost zero. It's September as I record this, which is when the year's situation starts showing up in people's accounts. And I'll be honest — nobody ever calls to say their pension went up. They call because it went down. ━━━━━━━━━━━━━━ ▼ CHAPTERS ━━━━━━━━━━━━━━ 0:00 Introduction | Sharoushi Masters 0:19 The exception: pension-only income, and no major changes 0:45 Your pension already has tax deducted at the point of payment 1:13 When you must file: dependents change, or other income 2:00 You may not receive the correct amount unless you file for each 2:21 Japan: you file for the income of the previous year 2:33 Canada: the application has to be made in advance 3:03 It feels as though the whole timing is shifted by a year 3:41 Filed wrong means too much — sometimes 25%. Filed right, near zero 4:01 Why September is when these consultations start 4:17 Nobody calls to say their pension went up ━━━━━━━━━━━━━━ 📩 CONTACT SHAROUSHI MASTERS ━━━━━━━━━━━━━━ "I receive pensions from two countries. Do I file in both?" "My deposit is smaller than last year. Is that tax?" 💬 Official LINE (free consultation) https://lin.ee/GrUBIyJ ※ Scan the QR code in the video to join. You can consult us without any information leaking to others. 📞 Phone — we receive many calls, so please feel free 672-727-3922 🌐 Official Website https://sharoushimastersapp.com/ 🌍 Overseas Medical Expense Support https://x.gd/kFk2V1 📚 Books on Kindle "Your Pension Travels With You" ★★★ INSERT AMAZON URL ★★★ "The Pension Between Two Countries" ★★★ INSERT AMAZON URL ★★★ ━━━━━━━━━━━━━━ ▼ ABOUT SHAROUSHI MASTERS ━━━━━━━━━━━━━━ Sharoushi Masters — Kubo Labor and Social Security Attorney Corporation. For over 35 years in Japan we have worked exclusively as Labor and Social Security Attorneys, under Ministry of Health, Labour and Welfare legislation. On the strength of that record we have been authorized to operate as Sharoushi Masters in Canada as well. Based in Vancouver and Victoria, BC, we also receive many inquiries from the East Coast — Toronto and Quebec. Subscribe for the next video. ※ Japan's no-filing system for pension recipients has conditions attached. Please confirm whether it applies to you. ※ Filing requirements, deadlines and cut-off periods differ by country. ※ Whether tax already withheld can be reduced or recovered depends on the filing and its timing. Please check your own case. ※ This is general information, not tax advice. For Canadian or US filings, consult a tax professional in that country. #JapanPension #taxreturn #expat #SharoushiMasters #CanadianPension #nonresidenttax #kakuteishinkoku #taxseason #CPP #OAS #JapanCanada #pension #retirement #Toronto #Victoria
2026/10/16•43 回再生•1 高評価
Canadian Pension Dropped After You Returned to Japan It's Probably the 25% Tax
【"My pension went down after I moved back to Japan."】 Your pension was not cut. In almost every case a 25% withholding tax is simply being applied, now that you are a non-resident of Canada. And no — the tax treaty does not exempt you from it automatically. That misconception is the one that costs people the most. Hello everyone. My name is Kubo from Sharoushi Masters. You worked in Canada, then returned to Japan — and your Canadian pension still arrives. I had assumed few people were in this situation, but the inquiries keep increasing. And they all say the same thing: the pension decreased compared to when they received it in Canada. ━━━━━━━━━━━━━━ ▼ FIRST, RULE THESE OUT ━━━━━━━━━━━━━━ In over 35 years of this work, my sense is that a pension does not decrease unless something unusual has happened. Legitimate reasons exist: • You moved from Canada to Japan • A dependent was removed from your additional pension allowance — say, a partner who became independent and started receiving their own But even then, it should not drop that much. ━━━━━━━━━━━━━━ ▼ THE 25% WITHHOLDING TAX ━━━━━━━━━━━━━━ You may be receiving CPP, OAS, or company pensions such as RRSPs or RRIFs. As a non-resident, the standard 25% rate is applied. Japan and Canada do have a solid tax treaty. But that does not mean you are automatically exempt from this 25%. It is a common, expensive misconception. While in Canada you filed a T1 every year. Back in Japan that filing is no longer required — but if a Canadian pension still arrives, the tax still applies. Surely they wouldn't be that harsh on retirees? They aren't. By filing a return under Section 217, you can significantly reduce that tax. Three things to understand: 1. How much you save depends on your income that year. It may fall to zero, or there may still be some amount to pay. 2. It is not permanent. You must apply every single year — just as you did with the T1 in Canada, or a final tax return in Japan. 3. It is a pre-application. Money already deposited is set. You are asking them to lighten the burden going forward. Twenty-five percent is a significant amount. Even if you hired a Canadian tax professional to handle the whole filing, it would honestly be well worth the cost. Please take another look at your own pension. ━━━━━━━━━━━━━━ ▼ CHAPTERS ━━━━━━━━━━━━━━ 0:00 Introduction | Sharoushi Masters 0:07 You worked in Canada, then returned to Japan 0:34 "My pension decreased since I moved back" 0:40 Pensions don't decrease unless something unusual happens 2:05 Legitimate reasons it can: a move, or a dependent removed 2:32 The likely cause: the 25% withholding tax 2:45 CPP, OAS, and company pensions like RRSPs and RRIFs 2:55 The myth: the tax treaty does not automatically exempt you 3:07 In Canada you filed a T1 every year. In Japan, you don't 3:40 Section 217 can significantly reduce that tax 3:55 How much? It depends on your income that year 4:10 You must apply every year — it isn't permanent 4:33 It's a pre-application: money already deposited is fixed 4:55 25% is large enough to justify hiring a Canadian expert ━━━━━━━━━━━━━━ 📩 CONTACT SHAROUSHI MASTERS ━━━━━━━━━━━━━━ "My pension dropped and I don't know why." "Am I really supposed to be paying 25%?" 💬 Official LINE (free consultation) https://lin.ee/GrUBIyJ ※ Your information is never leaked, and I reply directly. 📞 Phone — not comfortable with LINE? A call is perfectly fine. 672-727-3922 🌐 Official Website https://sharoushimastersapp.com/ 🌍 Overseas Medical Expense Support https://x.gd/kFk2V1 📚 Books on Kindle "Your Pension Travels With You" ★★★ INSERT AMAZON URL ★★★ "The Pension Between Two Countries" ★★★ INSERT AMAZON URL ★★★ ━━━━━━━━━━━━━━ ▼ ABOUT SHAROUSHI MASTERS ━━━━━━━━━━━━━━ Kubo holds the Japanese national qualification of Labor and Social Security Attorney (Sharoushi), working under Ministry of Health, Labour and Welfare legislation. After more than 35 years of practice in Japan, Kubo has for the past two years also been authorized to work as Sharoushi Masters in BC, Canada. This video is for non-residents living in Japan while receiving a Canadian pension. Please subscribe for the next one. ※ Section 217 is a Canadian tax filing administered by the Canada Revenue Agency. Whether you qualify, and how much your tax falls, depends on your income. The reduction may be zero. ※ It must be filed every year, and deadlines apply. ※ This is general information, not tax advice. Please confirm your own situation with a Canadian tax professional or the CRA. ※ Reasons a pension decreases vary by case. Have your own situation checked rather than assuming the cause. #CanadianPension #nonresidenttax #expat #SharoushiMasters #CPP #OAS #RRSP #RRIF #Section217 #taxtreaty #withholdingtax #JapanCanada #retirement #pension #Victoria
2026/10/13•25 回再生•1 高評価
Your Pension Suddenly Stopped The Most Common Cause — and Why the Money Isn't Lost
【Your pension stopped arriving. The money is almost certainly not lost.】 Payments rarely stop for good — far more often, they are suspended. And the overwhelming reason is simple: a required notification never arrived. Once the cause is found and resolved, the payments being held are released. Hello everyone. My name is Kubo from Sharoushi Masters. I worked as a Labor and Social Security Attorney in Japan for many years, and I now do the same work here in BC, Canada. I receive many inquiries about pensions and medical care — and one that comes up again and again is this: "I was receiving a pension from Japan, and also from Canada or the United States where I worked. Then the payments stopped. Why?" ━━━━━━━━━━━━━━ ▼ WHY PAYMENTS STOP ━━━━━━━━━━━━━━ In almost every case, the pension has not ended. It has been suspended. And the reason, overwhelmingly, is that a required notification was never received — or it was sent, and simply never arrived. What makes this so hard to catch: • This type of payment is deposited once every six months, so it is very easy to miss that something is wrong. • The amount is often small — a short period of employment means a smaller pension, which is why it arrives all at once, twice a year. • By the time you notice, you have no idea what happened, or when. • And you were sure you submitted it. This year, or last year? As the years go by, that gets genuinely hard to remember. Here is what I want you to know: once the cause is identified and resolved, the payments that were on hold are released. It is frightening in the moment — but this is usually fixable. And very often, it was never your fault. A postal problem. A house move. Things that had nothing to do with anything you did or didn't do. ━━━━━━━━━━━━━━ ▼ WHO THIS IS FOR ━━━━━━━━━━━━━━ □ Anyone whose pension payment did not arrive as expected □ People receiving pensions from two or more countries □ People who have moved house since payments started □ Anyone unsure whether they filed this year's notification ━━━━━━━━━━━━━━ ▼ CHAPTERS ━━━━━━━━━━━━━━ 0:00 Introduction | Sharoushi Masters 0:07 A Labor and Social Security Attorney in BC, Canada 0:17 What a Sharoushi does, and the national licence behind it 0:47 The topic: when your pension payments suddenly stop 1:05 Why does that happen? 1:19 The overwhelming cause: a notification never arrived 1:29 Paid once every six months — which makes it easy to miss 1:39 A short work period means a small pension, paid all at once 2:05 "I'm sure I submitted it" — was that this year, or last? 2:25 Once the cause is found, the held payments are released 2:31 But in the moment, it is genuinely frightening 2:39 Often not your fault at all — postal issues, or a house move 2:57 Amagasaki, Hyogo for over 35 years | Japan and Canada in real time 3:17 With your authorization, we can act on your behalf 3:38 Not used to LINE? A phone call is perfectly fine ━━━━━━━━━━━━━━ 📩 CONTACT SHAROUSHI MASTERS ━━━━━━━━━━━━━━ Many people tell us they aren't used to LINE, because they haven't lived in Japan for a long time. A phone call is perfectly fine. Reach out, and I will call you back. 📞 Phone — call or leave a message, and I will call you back 672-727-3922 💬 Official LINE (free consultation) https://lin.ee/GrUBIyJ ※ One-on-one. Your information is never shared with others. 🌐 Official Website https://sharoushimastersapp.com/ 🌍 Overseas Medical Expense Support https://x.gd/kFk2V1 📚 Books on Kindle "Your Pension Travels With You" ★★★ INSERT AMAZON URL ★★★ "The Pension Between Two Countries" ★★★ INSERT AMAZON URL ★★★ ━━━━━━━━━━━━━━ ▼ ABOUT SHAROUSHI MASTERS ━━━━━━━━━━━━━━ Kubo holds the Japanese national qualification of Labor and Social Security Attorney (Sharoushi), working under Ministry of Health, Labour and Welfare legislation. Our office in Amagasaki, Hyogo Prefecture has operated for over 35 years with dedicated staff, and we connect Japan and Canada in real time. Only after receiving your formal authorization, we can exercise our professional authority to act on your behalf. Please subscribe, and share this with anyone whose pension has stopped arriving. Most of them assume it is gone. Usually, it isn't. ※ Whether suspended payments are released, and how far back, depends on the cause and on the system paying the pension. ※ Required notifications, their timing, and where they are sent differ by country and by the body paying your pension. Please confirm your own. ※ This video is for general informational purposes only. Rules are subject to change, and amounts vary with your contribution history. #pension #JapanPension #expat #SharoushiMasters #pensionpayments #pensionsuspended #proofoflife #retirement #CPP #JapanCanada #expatlife #retirementincome #socialsecurity #Vancouver #Victoria
2026/10/09•107 回再生•1 高評価
Canadian Pension While Living in Japan Cut the 25% Tax With NR5 and Section 217
【25% is being withheld from your Canadian pension. It doesn't have to be.】 If you live in Japan and receive a pension from Canada, you are a non-resident in Canada's eyes — and non-residents are taxed at 25%. File nothing, and that 25% is unavoidable. But with the right two filings, it can often be reduced substantially. Hello everyone. My name is Kubo from Sharoushi Masters. Many people live in Japan while receiving a pension from Canada. You worked in Canada, returned to Japan after reaching a certain age, and the Canadian pension still arrives. The reverse works too — you can receive a Japanese pension while living in Canada. That's possible because of the Japan-Canada Tax Convention and the Japan-Canada Social Security Agreement, which let you make use of the periods you worked in each country, and protect your rights across both. Many people already benefit from this. But there is one thing to be careful about — the tax side. ━━━━━━━━━━━━━━ ▼ THE KEY POINT: TWO FILINGS ━━━━━━━━━━━━━━ Receiving the pension is one procedure. Filing tax returns for each country's pension system is another — and that second one is where people lose money. STEP 1 — The NR5 form By filing this declaration, you can apply to have the amount withheld reduced. Once properly submitted and processed, it remains valid for up to five years. STEP 2 — The Section 217 return Here is the part people miss: filing the NR5 alone does not automatically reduce your tax. A further return is required. By submitting what is formally called a Section 217 return — filed every year — your total tax can be reduced quite significantly. For those who qualify, this is a very useful strategy. Submit nothing, and 25% simply stands. So please keep these tax procedures in mind alongside your pension procedures. ━━━━━━━━━━━━━━ ▼ WHO THIS IS FOR ━━━━━━━━━━━━━━ □ Anyone living in Japan while receiving a Canadian pension □ People who returned to Japan after working in Canada □ Anyone who has noticed 25% disappearing from their payments □ Anyone who filed an NR5 and assumed that was the end of it ━━━━━━━━━━━━━━ ▼ CHAPTERS ━━━━━━━━━━━━━━ 0:00 Introduction | Sharoushi Masters 0:08 Many people live in Japan but receive a Canadian pension 0:17 From Canada's view, you are a "non-resident" 0:39 The reverse is also true — a Japanese pension while in Canada 0:44 The Japan-Canada Tax Convention and Social Security Agreement 1:05 The one thing to be careful about: tax 1:27 In principle, you are taxed at 25% 1:47 The good news: that 25% can often be reduced 2:11 Step 1: the NR5 form 2:20 Once processed, it stays valid for up to five years 2:31 But the NR5 alone does not reduce your tax 2:43 Step 2: the Section 217 return, filed every year 2:58 Sharoushi Masters | Victoria BC, and now Toronto and Quebec 3:14 Inquiries from people in Japan with a Canadian pension 3:27 How to reach us via official LINE 3:55 Next video: another important document ━━━━━━━━━━━━━━ 📩 CONTACT SHAROUSHI MASTERS ━━━━━━━━━━━━━━ "25% is being taken from my Canadian pension. Is that normal?" "I filed an NR5 years ago. Was that enough?" Even small concerns are welcome. 💬 Official LINE (free consultation) https://lin.ee/GrUBIyJ ※ Once you join, you can make inquiries without your information being leaked to others. 📞 Phone Consultation 672-727-3922 🌐 Official Website https://sharoushimastersapp.com/ 🌍 Overseas Medical Expense Support https://x.gd/kFk2V1 📚 Books on Kindle "Your Pension Travels With You" ★★★ INSERT AMAZON URL ★★★ "The Pension Between Two Countries" ★★★ INSERT AMAZON URL ★★★ ━━━━━━━━━━━━━━ ▼ ABOUT SHAROUSHI MASTERS ━━━━━━━━━━━━━━ Kubo holds the Japanese national qualification of Labor and Social Security Attorney (Sharoushi) and works as a pension professional. Based in Victoria, British Columbia, Sharoushi Masters serves clients across Japan and Canada — Vancouver and Victoria, increasingly Toronto and Quebec, and people in Japan receiving a Canadian pension. ▼ NEXT VIDEO Next time I'll go beyond Section 217 and cover one more important document that ties everything together. Subscribe and turn on notifications so you don't miss it. ※ The NR5 and the Section 217 return are Canadian tax filings administered by the Canada Revenue Agency. Whether you qualify, and how much your tax is reduced, depends on your individual circumstances. ※ This video is general information, not tax advice. Please confirm your own situation with a Canadian tax professional or the CRA before filing, and note that deadlines apply to Section 217 returns. ※ Rules and rates are subject to change. Pension amounts vary depending on your contribution history in each country. #CanadianPension #nonresidenttax #expat #SharoushiMasters #NR5 #Section217 #CPP #OAS #JapanCanada #withholdingtax #taxtreaty #pension #CRA #Vancouver #Victoria
2026/10/06•20 回再生•1 高評価
Hospitalized in Canada This Summer Japan's Health Insurance Can Reimburse You
【The trip is over. The medical bill doesn't have to be.】 If you or a family member was injured or hospitalized in Canada this summer, Japan's health insurance may reimburse those costs — and in some cases, so may the person who was travelling with you. Initial consultations are completely free. Hello everyone. This is Sharoushi Masters. Summer is coming to an end. Many of you had a wonderful time with friends or relatives visiting over the holidays. But some ended up injured, in treatment, or in hospital — and this is the time of year when inquiries about exactly that start to increase. ━━━━━━━━━━━━━━ ▼ THE KEY POINT ━━━━━━━━━━━━━━ When someone unexpectedly incurs high medical costs due to injury, illness, or hospitalization abroad, we help them use Japan's Overseas Medical Expense system — together with health insurance, National Health Insurance, or the High-Cost Medical Expense Benefit — to get reimbursed for costs incurred while in Canada. We support the whole process from start to finish. And here is what many people don't realize. Almost nobody travels completely alone. It's usually couples or families. So when one person is hospitalized abroad, the other rarely flies home first — they stay behind to care for them. That means an unexpected extended stay. Sometimes it means flying home in business class because the medical situation requires it. And often it means further treatment at a hospital in Japan after arriving back. In some of these cases, not only the patient but also the person accompanying them may be eligible for coverage. That is worth checking before you assume the cost is simply yours to absorb. If the paperwork feels overwhelming right now, please just ask us. ━━━━━━━━━━━━━━ ▼ CHAPTERS ━━━━━━━━━━━━━━ 0:00 Introduction | Sharoushi Masters 0:05 As the summer season comes to an end 0:18 Some ended up injured, or in hospital 0:33 What is a "Sharoushi" (Labor and Social Security Attorney)? 1:05 The Overseas Medical Expense system explained 1:20 Combined with the High-Cost Medical Expense Benefit 1:35 If the paperwork feels overwhelming, talk to us 1:58 Most people don't travel alone — couples and families 2:08 When one is hospitalized, the other stays behind 2:30 The extended stay, and sometimes a business class flight home 2:42 Follow-up treatment after returning to Japan 2:53 Not only the patient — companions may also be eligible 3:25 Sharoushi Masters | Japan and BC, as one team 3:40 Initial consultations are completely free 3:47 How to reach us via official LINE 4:10 "It really was such a fun trip" ━━━━━━━━━━━━━━ 📩 CONTACT SHAROUSHI MASTERS ━━━━━━━━━━━━━━ There is absolutely no cost for an initial consultation. 🌍 Overseas Medical Expense Support ← the topic of this video https://x.gd/kFk2V1 💬 Official LINE (free consultation) https://lin.ee/GrUBIyJ ※ One-on-one. Your personal information is never shared with third parties. 📞 Phone Consultation 672-727-3922 🌐 Official Website https://sharoushimastersapp.com/ 📚 Books on Kindle "Your Pension Travels With You" ★★★ INSERT AMAZON URL ★★★ "The Pension Between Two Countries" ★★★ INSERT AMAZON URL ★★★ ━━━━━━━━━━━━━━ ▼ ABOUT SHAROUSHI MASTERS ━━━━━━━━━━━━━━ "Sharoushi" — Labor and Social Security Attorney — is a licensed profession under Japanese law, covering Ministry of Health, Labour and Welfare matters such as health insurance, Employees' Pension Insurance, and the National Pension. Kubo has practised as a Sharoushi for over 35 years in Japan. We cover Japan and BC, Canada. Although currently based in Victoria, we operate as a closely coordinated team, so you can leave your concerns with us with confidence. It really was such a fun trip. We hope that when you look back on all of this later, you'll be able to say it turned out well for everyone. Please subscribe, and share this with anyone who had a hospital visit during their trip. ※ Overseas Medical Expense reimbursement is calculated based on what the equivalent treatment would have cost in Japan. It does not necessarily cover the full amount you paid abroad, so travel insurance is still worth considering. ※ Claims require specific forms and Japanese translations. Ask before you discard any paperwork from the hospital. ※ Eligibility, including for accompanying family members, varies by case and by your insurer. For general information only. #JapanHealthInsurance #OverseasMedicalExpenses #expat #SharoushiMasters #travelinsurance #medicalbills #hospitalabroad #JapanCanada #expatlife #reimbursement #healthinsurance #travelhealth #Japan #Vancouver #Victoria
2026/10/02•36 回再生•2 高評価
When Will Your First Japanese Pension Payment Actually Arrive Later Than You Think
【Preparing early is good. Preparing too early can cost you.】 If your birthday is October 1st, you cannot request your documents in September and file them before that date. Do it, and your claim may be processed as an early claim — permanently reducing your benefits. Please wait until after your birthday. Hello everyone. We are Sharoushi Masters, working in BC, Canada. More and more people have spent significant time working or living in both Japan and Canada, and are now reaching the milestone age of 65. Right now we're receiving inquiries not only from Vancouver and across British Columbia, but from Toronto, Quebec, and Calgary as well. When your birthday is approaching, it's natural to want everything ready so you can start receiving your pension the moment you become eligible. That instinct is right — but with these documents, the dates are critical. ━━━━━━━━━━━━━━━━━━━━━━ ▼ WHAT THIS VIDEO COVERS ━━━━━━━━━━━━━━━━━━━━━━ ◆ What to prepare as your birthday approaches ◆ Documents you'll need: proof of residency, family register substitutes ◆ Many long-term residents abroad don't have a Japanese My Number ◆【The trap】Why requesting documents before your birthday backfires ◆ Filing too early may be treated as an early claim — and reduce your benefits ◆ Your right to receive benefits is established only once you reach that day ◆ Why the October 15th payment will never arrive for an October birthday ◆ How Japan's payment schedule actually works — the 15th of even months ◆ Why your first payment may not come until the following February ◆ And why it often arrives as a four-month lump sum ━━━━━━━━━━━━━━━━━━━━━━ ▼ THE EXAMPLE FROM THIS VIDEO ━━━━━━━━━━━━━━━━━━━━━━ Say your birthday is October 1st. ✕ Requesting documents in September and submitting before October 1st → may be processed as an early claim, reducing your benefits ○ Waiting until October 1st arrives, then requesting your documents → your right to receive benefits is properly established And on timing of payment: benefits are paid on the 15th of even-numbered months, covering the period up to the previous month. So the October 15th payment covers through September — it can never include your October eligibility. For an October birthday, the first payment covers October and November, paid on December 15th. In many cases even that isn't in time, and the first payment arrives the following February 15th — as a lump sum for four months: October, November, December, and January. Knowing this in advance saves a great deal of anxiety. ━━━━━━━━━━━━━━━━━━━━━━ ▼ WHO THIS IS FOR ━━━━━━━━━━━━━━━━━━━━━━ □ Anyone whose 65th birthday is coming up in the next several months □ People who want to be ready the moment they become eligible □ Anyone who has already started gathering documents "just to be safe" □ Those wondering when their first payment will actually land □ Long-term overseas residents without a Japanese My Number □ Anyone claiming from Toronto, Quebec, Calgary, or anywhere outside BC ━━━━━━━━━━━━━━━━━━━━━━ 📩 CONTACT SHAROUSHI MASTERS ━━━━━━━━━━━━━━━━━━━━━━ "My birthday is in February — when should I start preparing?" "I don't have a My Number. Is that a problem?" "I already requested some documents. Was that a mistake?" Ask us before you act. Getting the sequence right the first time is far easier than correcting it afterwards. 📞 Phone Consultation 672-727-3922 🌐 Official Website https://sharoushimastersapp.com/ 💬 Official LINE (free consultation) https://lin.ee/GrUBIyJ ※ LINE conversations are one-on-one, so your private information stays private. 🌍 Overseas Medical Expense Support https://x.gd/kFk2V1 ━━━━━━━━━━━━━━━━━━━━━━ 📚 BOOKS ON KINDLE ━━━━━━━━━━━━━━━━━━━━━━ "Your Pension Travels With You" ★★★ INSERT YOUR AMAZON PRODUCT PAGE URL HERE ★★★ "The Pension Between Two Countries" ★★★ INSERT YOUR AMAZON PRODUCT PAGE URL HERE ★★★ ━━━━━━━━━━━━━━━━━━━━━━ ▼ ABOUT SHAROUSHI MASTERS ━━━━━━━━━━━━━━━━━━━━━━ "Sharoushi" — Labor and Social Security Attorney — is a national qualification that has existed in Japan for a long time. Working under the national laws established by the Japanese government, specifically those related to the Ministry of Health, Labour and Welfare, we handle pension and social insurance matters on our clients' behalf. Kubo Labor and Social Security Attorney Corporation has operated in Japan for many years, and in British Columbia, Canada we operate as "Sharoushi Masters" — working across both countries, with pension consultations forming a significant part of our practice. #JapanPension #pension #retirement #SharoushiMasters #expat #pensionclaim #JapanCanada #MyNumber #pensionpayment #retirementplanning #expatlife #Toronto #Calgary #Vancouver #Victoria
2026/09/29•15 回再生•1 高評価
Living Abroad Why Your Japanese Pension Forms Arrive at Your Family Home — Not Yours
【A large envelope may already be sitting at your family home in Japan.】 "Some documents arrived for you." — That call from a parent or sibling is how many people first learn they can claim their pension. But why does it go there, and not to where you actually live? The answer is your resident registration. Hello everyone. This is Kubo from Sharoushi Masters. "I didn't think I was old enough yet — but looking closely, maybe I can apply starting from my next birthday?" "Anyway, what do I do with these documents?" These are the kinds of inquiries I receive all the time. There was a time when pension records weren't in order at all. Today they are properly organized and fully digitized. That's precisely why, even if you live overseas, the complete set of pension claim forms is delivered to your family home in Japan — in a large, hard-to-miss envelope. But here's the puzzle. Once you've officially left Japan, the authorities can't track which countries you've moved to. So why does it still find your family home? The answer is in this video. ━━━━━━━━━━━━━━━━━━━━━━ ▼ WHAT THIS VIDEO COVERS ━━━━━━━━━━━━━━━━━━━━━━ ◆ Why a full set of pension claim forms arrives at your family home in Japan ◆ People who assumed they were too young — and turned out to be eligible ◆ Japanese authorities can't track your movements once you've left ◆【The answer】Did you leave your resident registration at your family home? ◆ What most people overlooked when they emigrated 25 or 30 years ago ◆ Why claiming your pension is the right moment to review your records ◆ When your family register (koseki) sits somewhere completely different from your resident registration (juminhyo) ◆【Important】With your authorization, we can confirm the status of both ━━━━━━━━━━━━━━━━━━━━━━ ▼ WHO THIS IS FOR ━━━━━━━━━━━━━━━━━━━━━━ □ Anyone whose family in Japan says documents have arrived for them □ People staring at a large envelope with no idea what to do next □ Anyone unsure what they filed on the Japanese side when they emigrated □ Those who don't know the current status of their resident registration □ Anyone who has lost track of where their family register is held □ Adult children helping a parent navigate Japanese paperwork from abroad □ People approaching claiming age while living outside Japan ━━━━━━━━━━━━━━━━━━━━━ 📩 CONTACT SHAROUSHI MASTERS ━━━━━━━━━━━━━━━━━━━━━ "What is this envelope, and what do I do with it?" "What is the status of my resident registration right now?" "I've lost track of where my family register is." Checking Japanese records from overseas is not easy on your own. A Labor and Social Security Attorney holds a national qualification granted by the Japanese government. Once we have received proper authorization from you, we are empowered by our professional authority to confirm the status of your family register or resident registration. If you have any concerns at all, please don't hesitate to reach out. 📞 Phone Consultation 672-727-3922 🌐 Official Website https://sharoushimastersapp.com/ 💬 Official LINE (free consultation) https://lin.ee/GrUBIyJ ※ LINE conversations are one-on-one, so you can proceed with your inquiry without any concerns about your private information being leaked. 🌍 Overseas Medical Expense Support https://x.gd/kFk2V1 ━━━━━━━━━━━━━━━━━━━━━━ 📚 BOOKS ON KINDLE ━━━━━━━━━━━━━━━━━━━━━━ "Your Pension Travels With You" ★★★ INSERT YOUR AMAZON PRODUCT PAGE URL HERE ★★★ "The Pension Between Two Countries" ★★★ INSERT YOUR AMAZON PRODUCT PAGE URL HERE ★★★ ━━━━━━━━━━━━━━━━━━━━━━ #JapanPension #expat #pension #SharoushiMasters #residentregistration #juminhyo #koseki #familyregister #pensionclaim #JapanCanada #expatlife #retirement #livingabroad #Vancouver #Victoria
2026/09/25•55 回再生•0 高評価
When Can You Start Your Japanese Pension Your Birth Year Decides — Not the Calendar
【Your start age isn't decided by the calendar. It's decided by your birth year.】 This isn't a question of what happens in 2026. It's strictly tied to the year you were born. If you were born in 1950 versus 1960, the answer is quite different. Hello everyone. This is Kubo from Sharoushi Masters. Today I'd like to talk about when you should start receiving your pension. In Japan, 65 is generally the standard age. Start earlier, and your pension is reduced. Start later, and you receive a boosted amount. But depending on your birth year, some people can begin at 63 — or even 62. So before anything else, take a moment to check one thing: at what age can *you* start receiving it? ━━━━━━━━━━━━━━━━━━━━━━ ▼ WHAT THIS VIDEO COVERS ━━━━━━━━━━━━━━━━━━━━━━ ◆ Your start age is tied to your birth year — not to what year it is now ◆ Born in 1950 vs. 1960? The outcome is quite different ◆ In Japan, 65 is generally the standard age ◆ Start earlier than that, and your pension is reduced ◆ The reduction rate is determined by how many months early you begin ◆ Start later, and you receive it in an increased, boosted amount ◆ Depending on birth year, some people can begin at 63 — or 62 ━━━━━━━━━━━━━━━━━━━━━━ ▼ WHO THIS IS FOR ━━━━━━━━━━━━━━━━━━━━━━ □ Anyone approaching the age when they can claim a Japanese pension □ People who aren't certain what age applies to them □ Anyone weighing whether to claim early or wait □ Those who were told "65" but want to confirm it applies to them □ Couples with different birth years, needing two separate answers □ Anyone with a contribution history in Japan, now living abroad ━━━━━━━━━━━━━━━━━━━━━━ 📩 CONTACT SHAROUSHI MASTERS ━━━━━━━━━━━━━━━━━━━━━━ "What age can I start?" "Should I claim early, or wait?" Tell us your birth year, and we can tell you what applies to your case. We are pension professionals holding official Japanese national qualifications as Certified Social Insurance and Labour Consultants. 📞 Phone Consultation 672-727-3922 🌐 Official Website https://sharoushimastersapp.com/ 💬 Official LINE (free consultation) https://lin.ee/GrUBIyJ ※ LINE conversations are one-on-one, so you can make inquiries without anyone around you knowing about that information. 🌍 Overseas Medical Expense Support https://x.gd/kFk2V1 ━━━━━━━━━━━━━━━━━━━━━━ 📚 BOOKS ON KINDLE ━━━━━━━━━━━━━━━━━━━━━━ "Your Pension Travels With You" ★★★ INSERT YOUR AMAZON PRODUCT PAGE URL HERE ★★★ "The Pension Between Two Countries" ★★★ INSERT YOUR AMAZON PRODUCT PAGE URL HERE ★★★ ━━━━━━━━━━━━━━━━━━━━━━ ▼ ABOUT SHAROUSHI MASTERS ━━━━━━━━━━━━━━━━━━━━━━ Kubo is a Sharoushi — a Certified Social Insurance and Labour Consultant, a Japanese national qualification for professionals authorized to handle pension and social insurance matters on a client's behalf. With over 35 years of practice in Japan and offices in both Japan and Canada (Vancouver / Victoria, BC) connected in real time, Sharoushi Masters supports pension claims, record checks, and inquiries for people living outside Japan. ▼ SUBSCRIBE We share information on pensions, medical coverage, and social insurance so that people living abroad don't lose out simply for not knowing. Subscribe and turn on notifications — and please share this with anyone whose claiming age is approaching. ※ Reduction and increase rates are determined by the number of months you claim early or defer. Whether claiming early or waiting is better for you depends entirely on your individual circumstances. ※ The age at which you can begin receiving benefits also varies by gender and by which system you were enrolled in. Please confirm your own eligibility age individually rather than assuming it from birth year alone. ※ Claiming procedures for those living outside Japan are covered in a separate video. ※ This video is for general informational purposes only. Rules are subject to change. Please consult a qualified professional about your situation. #JapanPension #pension #retirement #SharoushiMasters #expat #pensionage #retirementplanning #earlyretirement #retirementage #JapanCanada #expatlife #socialinsurance #pensionclaim #Vancouver #Victoria
2026/09/22•12 回再生•1 高評価
海外に住んでいても日本の年金はもらえる？カナダ在住者が知っておきたい年金の仕組み
【マイナンバーで年金記録は整いました。ただし "日本の中だけ" です】 30年前、「消えた年金」が大問題になりました。 日本国内の記録は、長い時間をかけて改善され、いまはDX化も進んでいます。 ——でも、あなたが日本を出た瞬間から先は、誰も追いかけてくれません。 海外にいるあなたの年金だけは、自分で動かないかぎり、誰も気づいてくれないのです。 こんにちは。社労士マスターズの久保と申します。 カナダのバンクーバー、そしてビクトリアで「社労士マスターズ」として仕事をしています。 社労士（社会保険労務士）は、厚生労働省が管轄する制度を解説し、 ご委任をいただいて、職務権限の中であなたに代わって手続きができる国家資格です。 私は社労士を35年ほどやってきました。 始めたばかりの頃は、「私の年金記録がないんです」「確かにこの会社で働いたのに」—— そんなご相談を、来る日も来る日も受けていました。 消えた記録、もらい忘れ、納めたはずなのに滞納扱いになっている記録。 記録が十分に整っていなかった時代を、私は現場で見てきました。 その問題は、長い時間をかけて改善されました。 マイナンバーと結びつき、いまはかなりきっちり特定されるようになっています。 けれど、それは日本国内にいる人の話。国境を越えた先までは、面倒を見てくれません。 だからこそ、社会保障協定があります。 ━━━━━━━━━━━━━━━━━━━━━━ ▼ この動画でわかること ━━━━━━━━━━━━━━━━━━━━━━ ◆ 30年前の「消えた年金」問題を、現場で見てきた社労士の話 ◆ DX化・マイナンバーで日本の年金記録はどう変わったか ◆【核心】その恩恵が届くのは "日本の中だけ" だという現実 ◆ 海外で働いた期間を通算しないと、どれだけの損になるのか ◆ 社会保障協定なら、日本にいた期間でなくても年金の期間として認められる ◆「もらえないだろう」「期間が短いから」と諦めている方が非常に多い ◆ 他国の年金が減額される制度は2023年まで。2024年以降、大きな国ではなくなりました ◆ 70歳でも75歳でも間に合う ── 遡る5年分と、これから先の分 ◆【現実】日本の年金請求は、まだアナログ。電子署名も使えません ━━━━━━━━━━━━━━━━━━━━━━ ▼ こんな方は、ぜひ最後までご覧ください ━━━━━━━━━━━━━━━━━━━━━━ □ 海外にお住まいで、日本で働いた期間がある方 □「マイナンバーがあるから、記録は大丈夫だろう」と思っている方 □ 昔の勤務先の年金記録に、心当たりや不安のある方 □「加入期間が短いから」と、請求を諦めてしまった方 □ すでに70歳・75歳を過ぎていて、今さら遅いと思っている方 □ 海外の年金が減るのではと心配して、動けずにいる方 □ 請求書類の煩雑さに、途中で心が折れてしまった方 □ トロント・モントリオール・ケベックなど、カナダ東部にお住まいの方 ━━━━━━━━━━━━━━━━━━━━━━ ▼ 目次（チャプター） ━━━━━━━━━━━━━━━━━━━━━━ 00:00 ごあいさつ｜社労士マスターズ・久保です 00:10 社労士とは？｜委任を受け、あなたに代わって動ける国家資格 00:45 カナダで働く日本人、日本で働いたカナダの方 00:57 期間を通算しないと、とんでもないデメリットになります 01:14 【回想】30年前、「消えた年金」と呼ばれた時代 01:42 消えた記録・もらい忘れ・滞納扱い…整っていなかった何十年 01:57 長い時間をかけて改善され、DX化とマイナンバーへ 02:18 【核心】ただし、それは "日本の中だけ" の話です 02:36 だから社会保障協定がある｜約20カ国が日本とつながっています 03:09 「もらえないだろう」と思い込んで、請求していない方へ 03:24 他国の年金が減額される制度は2023年まで｜2024年以降は… 03:45 70歳でも75歳でも｜遡る5年分と、これから先の分 04:22 【現実】日本の請求手続きは、まだアナログです 04:50 トロント・モントリオール・ケベックからもご依頼 05:27 まずはLINEから｜私が直接お返事します 05:50 エンディング ━━━━━━━━━━━━━━━━━━━━━━ 📩 社労士マスターズへのお問い合わせ ━━━━━━━━━━━━━━━━━━━━━━ 「もう歳だから」「期間が短いから」「面倒だから」—— その3つは、どれも諦める理由になりません。 日本の請求手続きはまだアナログで、確かに煩雑です。 だからこそ、専門家にまるごとお任せください。 💬 公式LINE（無料相談）← まずはこちらから https://lin.ee/GrUBIyJ ※LINEは1対1のやりとりです。他の方に情報が漏れることなく、 私（久保）から直接お返事いたします。 🌐 公式ホームページ https://sharoushimastersapp.com/ 🌍 海外療養費サポート https://x.gd/kFk2V1 📞 電話相談 672-727-3922 ━━━━━━━━━━━━━━━━━━━━━━ ▼ 社労士マスターズについて ━━━━━━━━━━━━━━━━━━━━━━ 代表・久保は、日本の国家資格「社会保険労務士（社労士）」。 「消えた年金記録」問題の時代から35年、日本の年金制度と向き合ってきました。 現在はカナダBC州（バンクーバー／ビクトリア）と日本の2拠点体制。 時差を越えてリアルタイムにつながり、バンクーバー・ビクトリアはもちろん、 トロント・モントリオール・ケベックなどカナダ全土、 さらに北米各地からのご依頼にお応えしています。 ▼ チャンネル登録・高評価のお願い 海外にお住まいの方が「知らずに損をする」ことがないよう、 年金・医療・社会保険の情報を発信しています。 チャンネル登録＆通知ONで最新情報を受け取ってください。 「自分はもう手遅れだ」と思っているご友人・ご家族にこそ、シェアをお願いいたします。 ※他国の年金が減額される制度の廃止時期・対象範囲は、国によって異なります。 ※時効の取扱いは、年金の種類やご事情により異なります。 ※受け取れる金額は、それぞれの国での加入期間・就労実績により個別に異なります。 ※本動画は一般的な情報提供を目的としたものです。制度は改正される場合があり、 個別の受給可否・金額については専門家へご相談ください。 #年金 #消えた年金 #海外在住日本人 #社労士マスターズ #社会保険労務士 #社会保障協定 #マイナンバー #年金記録 #年金時効 #カナダ生活 #トロント #モントリオール #バンクーバー #ビクトリア #海外年金
2026/09/18•120 回再生•1 高評価
海外在住でも日本の年金は受け取れる？社会保障協定を社労士がわかりやすく解説
【日本に住んでいなくても、年金は受け取れます】 日本の年金は、海外送金であなたの口座へ届きます。 そして、日本で働いたことがあるなら、日本国籍でない方も対象です。 ——世界的にも珍しいこの制度が、まだほとんど知られていません。 こんにちは。社労士マスターズの久保です。 日本で社会保険労務士（社労士）として長く仕事をしてきて、現在はカナダで暮らしています。 日本とカナダの両方に事務所を置き、リアルタイムにつないで年金の仕事をしています。 年金は、日本は日本の年金、カナダはカナダの年金、アメリカはアメリカの年金—— それぞれ別のシステムとして成り立っています。 けれど、人生は一つです。20歳から65歳までの一人の人生の中で、 それぞれの国で働いた期間をつないであげないと、年金につながらないことがあるのです。 この国とこの国をつなぎ合わせて、一緒に請求して、あなたの受給権を守る。 それを可能にしているのが「社会保障協定」です。 ━━━━━━━━━━━━━━━━━━━━━━ ▼ この動画でわかること ━━━━━━━━━━━━━━━━━━━━━━ ◆ 国ごとにバラバラの年金制度を「つなぐ」という考え方 ◆ 請求先は国ごとに違っても、どれも請求できるようにしておく ◆ それを実現しているのが「社会保障協定」です ◆【重要】日本で働いたことがあれば、日本国籍でない方も対象になります ◆【重要】日本に住んでいなくても大丈夫 ── 海外送金で受け取れます ◆ 今カナダに住んでいなくても、日本からカナダの年金を請求できます ◆ 税金と年金の、決定的な違いとは ◆ 年金は "本人にストレートに" 返ってくる ── 25年後でも、30年後でも ◆ こんなに珍しい制度なのに、なぜ知られていないのか ━━━━━━━━━━━━━━━━━━━━━━ ▼ こんな方は、ぜひ最後までご覧ください ━━━━━━━━━━━━━━━━━━━━━━ □ 海外にお住まいで、日本の年金を受け取れるか知りたい方 □「日本の口座がないから受け取れない」と思っている方 □ 日本国籍ではないが、日本で働いた期間がある方 □ 日本に帰国したが、海外で働いた期間の年金が気になっている方 □ 複数の国で働いてきて、期間がバラバラになっている方 □「年金なんて払い損だ」と感じたことのある方 □ 制度が複雑すぎて、どこから手をつければいいか分からない方 ━━━━━━━━━━━━━━━━━━━━━━ ▼ 目次（チャプター） ━━━━━━━━━━━━━━━━━━━━━━ 00:00 ごあいさつ｜社労士マスターズ・久保です 00:15 社労士とは？｜年金の専門知識を持つ日本の国家資格 00:29 年金は国ごとのシステム。でも、人生は一つです 00:49 20歳から65歳まで｜期間を「つなぐ」ということ 01:07 つなぎ合わせて、一緒に請求し、受給権を守る 01:31 それが「社会保障協定」です 01:36 でも、あまり知られていないのが現状 01:41 【重要】日本で働いた外国籍の方も、対象になります 02:07 【重要】日本に住んでいなくても、海外送金で受け取れます 02:16 カナダに住んでいなくても、日本から請求できます 02:25 世界的にも、非常に珍しい制度です 02:32 税金と年金の、決定的な違い 02:57 年金は"本人にストレートに"返ってくる｜25年後でも、30年後でも 03:20 制度が複雑すぎる。だから、専門家に任せてください 03:44 アメリカ・ヨーロッパからも｜いつ、どこからでもご連絡を 04:21 エンディング ━━━━━━━━━━━━━━━━━━━━━━ 📩 社労士マスターズへのお問い合わせ ━━━━━━━━━━━━━━━━━━━━━━ 「日本の口座を解約してしまったけれど、受け取れますか？」 「私は日本国籍ではないのですが、対象になりますか？」 ——どんなご質問でも構いません。 インターネットが世界をリアルタイムにつないでくれています。 いつ、どこからでもご連絡ください。専門知識を持って、代わりに手続きをいたします。 💬 公式LINE（無料相談） https://lin.ee/GrUBIyJ ※LINEは1対1のやりとりです。ご年齢やご家族のことなど、 プライベートな内容を送っていただいても、他の方に公開されることはありません。 🌐 公式ホームページ https://sharoushimastersapp.com/ 🌍 海外療養費サポート https://x.gd/kFk2V1 📞 電話相談 672-727-3922 ━━━━━━━━━━━━━━━━━━━━━━ ▼ 社労士マスターズについて ━━━━━━━━━━━━━━━━━━━━━━ 代表・久保は、日本の国家資格「社会保険労務士（社労士）」。 日本で長年にわたり年金業務に携わり、現在はカナダ（バンクーバー／ビクトリア）在住。 日本とカナダの両方に事務所を置き、両拠点をリアルタイムでつないで、 アメリカ・ヨーロッパを含む世界各国からのご依頼にお応えしています。 日本の年金請求は、まるごとお任せいただけます。 ▼ チャンネル登録・高評価のお願い 海外にお住まいの方が「知らずに損をする」ことがないよう、 年金・医療・社会保険の情報を発信しています。 チャンネル登録＆通知ONで最新情報を受け取ってください。 「自分には関係ない」と思っているご友人・ご家族にこそ、シェアをお願いいたします。 ※海外送金による受け取りの可否・方法、必要な届出は、ご事情により異なります。 ※日本国籍でない方の受給要件も、加入期間や各国との協定内容により異なります。 ※受け取れる金額は、それぞれの国での加入期間・就労実績により個別に異なります。 ※本動画は一般的な情報提供を目的としたものです。制度は改正される場合があり、 個別の受給可否・金額については専門家へご相談ください。 #年金 #社会保障協定 #海外在住日本人 #社労士マスターズ #社会保険労務士 #海外送金 #海外年金 #年金請求 #受給権 #カナダ生活 #アメリカ生活 #国際結婚 #厚生年金 #バンクーバー #ビクトリア
2026/09/15•234 回再生•3 高評価
海外在住でも日本の年金は受け取れます｜カナダのCPP・OASとの関係を社労士が解説
【「もう70歳だから、今さら手遅れ」——そんなことはありません】 年金には確かに5年の時効があります。 でもそれは "遡れるのが5年まで" というだけ。これから先の分は、ずっと受け取れます。 そして日本と海外、両方の年金を受け取っても、減額されることはありません。 こんにちは。社労士マスターズの久保です。 「今は海外に住んでいるけれど、日本で年金をかけたことがある。 期間は短いけれど、もらえると聞いたのだけど……」 ——世界中の日本人の方から、こうしたご相談をいただきます。 答えは、社会保障協定にあります。 日本が社会保障協定を結んでいる国は、約20カ国。 それぞれの国の制度はバラバラでも、あなたが働いてきた期間は「通算」できるのです。 ━━━━━━━━━━━━━━━━━━━━━━ ▼ この動画でわかること ━━━━━━━━━━━━━━━━━━━━━━ ◆ 日本と社会保障協定を結んでいる約20カ国とは （アメリカ／カナダ／韓国／イギリス／フランス／ドイツ／ベルギー／イタリア など） ◆ 加入期間が短くても諦めなくていい理由 ──「通算」というしくみ ◆ 期間をバラバラにすると、もらえるはずの年金がもらえなくなる ◆【不安①】どこかの年金をもらうと、他が減額されるのでは？ ◆ アメリカにあった「WEP」という制度と、その廃止について ◆ 両方受け取っても、それぞれの年金が減らされることはありません ◆ 年金は、生きている限り権利がある ── 65歳、70歳を過ぎていてもOK ◆【最重要】5年の時効の "本当の意味" ── 諦める必要はありません ◆ 時効がもったいないと感じる方へ ──「繰下げ請求」という選択肢 ━━━━━━━━━━━━━━━━━━━━━━ ▼ こんな方は、ぜひ最後までご覧ください ━━━━━━━━━━━━━━━━━━━━━━ □ 海外にお住まいで、日本で年金をかけた期間がある方 □「加入期間が短いから、どうせもらえない」と思っている方 □ すでに65歳・70歳を過ぎていて、今さら遅いと諦めている方 □ 海外の年金をもらうと、日本の年金が減るのではと不安な方 □ 5年の時効と聞いて、手続きをためらってしまった方 □ 受け取り始める時期を、まだ決めかねている方 □ アメリカ・カナダ以外（韓国・欧州など）にお住まいの方 ━━━━━━━━━━━━━━━━━━━━━━ ▼ 目次（チャプター） ━━━━━━━━━━━━━━━━━━━━━━ 00:00 ごあいさつ｜社労士マスターズ・久保です 00:03 「日本の年金も受けられますか？」世界中から届くご相談 00:17 「期間が短いけれど、もらえると聞いた」──その答え 00:24 日本と社会保障協定を結ぶ国は、約20カ国 00:31 アメリカ・カナダ・韓国・イギリス・フランス・ドイツなど 00:46 国ごとに制度は違う。それでも「通算」できる理由 01:33 【不安】どこかの年金をもらうと、減額されるのでは？ 01:48 アメリカにあった「WEP」という制度と、その廃止 01:58 両方受け取っても、それぞれの年金は減額されません 02:10 年金は生きている限り権利があります｜70歳でも全然OK 02:32 【最重要】5年の時効の、本当の意味 02:53 時効がもったいない方へ｜繰下げ請求という選択肢 03:13 社労士とは？｜厚生労働省が管轄する法律のプロ 03:34 カナダ・ビクトリアと日本をつなぐリアルタイム体制 03:50 エンディング ━━━━━━━━━━━━━━━━━━━━━━ 📩 社労士マスターズへのお問い合わせ ━━━━━━━━━━━━━━━━━━━━━━ 「私の加入期間でも、対象になりますか？」 「もう何年も過ぎてしまったけれど、間に合いますか？」 ——年金は、生きている限り請求できます。 ただし5年より前の分は戻りません。動くなら、早いほど受け取れる額が増えます。 いただいたお問い合わせには、私（久保）から直接お返事いたします。 💬 公式LINE（無料相談） https://lin.ee/GrUBIyJ ※LINEは1対1のやりとりです。ご年齢やご家族のことなど、 プライベートな内容を送っていただいても、他の方に公開されることはありません。 🌐 公式ホームページ https://sharoushimastersapp.com/ 🌍 海外療養費サポート https://x.gd/kFk2V1 📞 電話相談 672-727-3922 ━━━━━━━━━━━━━━━━━━━━━━ ▼ 社労士マスターズについて ━━━━━━━━━━━━━━━━━━━━━━ 代表・久保は、日本の国家資格「社会保険労務士（社労士）」。 年金のほか、労働基準法など厚生労働省が管轄する法律を扱う専門家です。 現在はカナダBC州の州都ビクトリアと日本の2拠点体制。 両拠点をリアルタイムでつなぎ、海外在住の日本人の年金請求・確認・照会を ワンストップでサポートしています。 ▼ チャンネル登録・高評価のお願い 海外にお住まいの方が「知らずに損をする」ことがないよう、 年金・医療・社会保険の情報を発信しています。 チャンネル登録＆通知ONで最新情報を受け取ってください。 「まだもらっていない」というご友人・ご家族にこそ、シェアをお願いいたします。 ※WEP（Windfall Elimination Provision）はアメリカの制度です。カナダには同様の 減額制度はありません。動画では続けてお話ししていますが、別の事柄になります。 ※時効の取扱いや繰下げ請求の効果は、年金の種類やご事情により異なります。 ※受け取れる金額は、それぞれの国での加入期間・就労実績により個別に異なります。 ※年金にかかる税金の取扱いについては、別の動画（在留証明と居住証明の違い）で 解説しています。個別の税務判断は税理士など税務の専門家へご相談ください。 ※本動画は一般的な情報提供を目的としたものです。制度は改正される場合があります。 #年金 #社会保障協定 #海外在住日本人 #社労士マスターズ #社会保険労務士 #年金時効 #繰下げ受給 #WEP #海外年金 #カナダ生活 #アメリカ生活 #厚生年金 #国民年金 #バンクーバー #ビクトリア
2026/09/11•116 回再生•1 高評価
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