[2025 Latest] Pregnant women can receive

The truth about 4.98 million yen

Complete guide to the new system that will cost you big if you don't know about it

[Newly established in April 2025] What is the Maternity Support Benefit?

What has changed from the old system?

Why was the Maternity Support Benefit legislated now?

On April 1, 2025, the current "Childbirth and Childcare Support Benefit" will be

It has been reborn as a formal system based on law.

It's called the "Pregnant Women Support Benefit."

In fact, this change is not just a name change.


Previously, projects were carried out at the discretion of local governments.

It has been clearly stated in national law,

It has become a right that can be guaranteed no matter where you live .

The amount of the maternity support benefit will remain the same as before:

• First time (after pregnancy notification) : 50,000 yen per pregnant woman
  
  
• Second time (after notifying the number of fetuses) : 50,000 yen per fetus

If you have twins, the total is 150,000 yen, and if you have triplets, the total is 200,000 yen.

This is a consideration because multiple pregnancies cost more than you might imagine.

Amazing breadth of coverage

A unique feature of this benefit is that it does not depend on the outcome of the pregnancy.


In other words, benefits are available even in the case of miscarriage, stillbirth, or induced abortion .

You may be thinking, "Why talk about money at a time like this?"


However, the more you have experienced these things,

Medical and mental health care costs are often higher than expected.


The fact that the country has designed a system that takes this into consideration is

It's very reassuring.

By annual income | A complete simulation of how much pregnant women can receive: The truth behind the disparity between a company employee earning 4.98 million yen and a full-time housewife earning 2.78 million yen

Why do benefits differ depending on the type of work?

"Why can my friends have it but not me?"

Have you ever had such a question?


In fact, Japan's social security system differs depending on occupation and working style.

Because the insurance you join is different,

The benefits you receive will also vary .

But it's okay.

No matter what kind of work you do, you will always receive money .

Let's first look at the big picture.

[Pregnant office workers] A privileged position to enjoy maximum benefits

List of money you can receive:

• Maternity support benefit : 100,000 yen (50,000 yen x 2 times)

• Prenatal checkup subsidy : Approximately 100,000 yen

• Maternity allowance : Approximately 67% of salary x 98 days (average 600,000-800,000 yen)

• Lump-sum childbirth and childcare allowance : 500,000 yen

• Childcare leave benefits : 67% of salary (up to 2 years)

• Child allowance : 15,000 yen per month (until high school graduation)

Estimated total: 3-5 million yen

The reason why company employees receive the most generous support is as follows:

Because I am enrolled in both the Employees' Pension Insurance and the Health Insurance .

In particular, maternity allowance is a privilege reserved for company employees.

[Pregnant full-time housewives] Surprisingly comprehensive support system

List of money you can receive:

• Maternity support benefit : 100,000 yen (50,000 yen x 2 times)

• Prenatal checkup subsidy : Approximately 100,000 yen

• Lump-sum childbirth and childcare allowance : 500,000 yen

• Child allowance : 15,000 yen per month (until high school graduation)

Estimated total: 1.5-2 million yen

"I don't get anything because I'm not working"

Don't you think so?

In fact, basic support is available .

If you are supported by your spouse, you are also eligible for a lump-sum childbirth and child care allowance.

[Freelance/self-employed pregnant women] National health insurance is okay

List of money you can receive:

• Maternity support benefit : 100,000 yen (50,000 yen x 2 times)

• Prenatal checkup subsidy : Approximately 100,000 yen

• Lump-sum childbirth and childcare allowance : 500,000 yen

• Child allowance : 15,000 yen per month (until high school graduation)

• National pension insurance premium exemption : 4 months before and after childbirth

Estimated total: 1.5-2 million yen

Freelancers do not receive maternity allowance or childcare leave benefits,

In return, you will be exempt from paying national pension insurance premiums .

This will save you about $20,000 a year.

The first three things you should do when you become pregnant

The trap of prenatal checkup subsidies that can cost you 120,000 yen if you don't know about them

Why are 14 prenatal checkups necessary?

"Do I really have to go to prenatal checkups that often?"

Many people are surprised that this is their first pregnancy.


In fact, the number of prenatal checkups varies

There is scientific evidence that it can save the lives of babies and mothers .

Prenatal checkup schedule:

• Up to 23 weeks of pregnancy : once every 4 weeks

• 24-35 weeks pregnant : Once every 2 weeks

• 36 weeks of pregnancy to delivery : Once a week

These health checkups can detect dozens of abnormalities early on.

Pregnancy-induced hypertension and gestational diabetes,

If left untreated, it can be dangerous for both mother and child.

That's why the state covers most of the costs .

The power of the medical examination ticket is greater than you might imagine

When you submit your pregnancy notification, you will receive a copy of your maternal and child health handbook.

You will receive a "Pregnant Women's Health Checkup Ticket."

This is actually very valuable .

Examples of tests that are free of charge:

• Basic health checkup (height, weight, blood pressure, urine test, etc.)

• Blood tests (anemia, blood sugar, infections, etc.)

• Ultrasound

• Cervical cancer screening

• Group B Streptococcus test

If you receive all of these at actual cost,

A single health check can cost 10,000 to 20,000 yen.

14 sessions will cost 150,000-200,000 yen,

Most of the treatment is free if you have a medical ticket .

Subsidy amounts vary greatly depending on the local government

Even in Japan, depending on where you live

Did you know that the grant amounts vary ?

Examples of grant amounts (2025):

• Tokyo : Approximately 120,000-150,000 yen

• Osaka Prefecture : Approximately 100,000-120,000 yen

• Regional cities : Approximately 80,000-100,000 yen

Why is there such a big difference?

In fact, the country only decides the basic framework,

The specific amount of subsidy is decided by each local government.

Municipalities that are struggling with population decline tend to put more effort into child-rearing support .

Secret tips to receive the full 98-day maternity allowance

If you miss your quitting date by one day, you could lose 650,000 yen

The deep consideration hidden in the maternity leave system

"Why is maternity leave only 98 days?"

This period actually has profound medical and social significance .

Maternity leave breakdown:

• Maternity leave : 42 days before the expected date of birth (98 days before for multiple births)

• Maternity leave : 56 days from the day after the birth (mandatory leave)

The eight weeks after giving birth are medically known as the "postpartum period."

This is an important time when the mother's body is trying to return to its pre-pregnancy state.

The law prohibits working during this period:

It is a sign of society's determination to seriously protect women's health .

An exquisite setting of 67% of salary

Don't you wonder, "Why isn't it 100%?"

There is actually a reason for this 67% figure.

67% reason:

• No income tax or local tax is levied during maternity leave

• Social insurance premiums (health insurance and employee pension insurance) are also exempted

• No commuting expenses

In other words, even if the face value is 67%

It is calculated to be about 80-90% of your take-home pay .

Don't you feel the kindness of the system designers?

Understanding with actual calculation examples

Let's calculate this using an example where your monthly salary is 300,000 yen:

Calculation steps:

1. Calculate the daily amount : 300,000 yen ÷ 30 days = 10,000 yen

1. Daily maternity allowance : 10,000 yen x 2/3 = 6,667 yen

1. Total for 98 days : 6,667 yen x 98 days = approximately 650,000 yen

Even if you have an annual income of 3.6 million yen, you will receive 650,000 yen during your maternity leave.

This is what happens if you work normally

That's the equivalent of two months' take-home pay .

Conditions for receiving benefits even after retirement

"I decided to quit my job due to pregnancy..."

There is good news for those people too.

You can still receive maternity benefits after you leave your job if you meet the following conditions:

• Be enrolled in health insurance for at least one year continuously until the day of retirement

• You are receiving maternity allowance on the day of retirement, or meet the conditions for receiving it.

• Not coming to work on your retirement date (this is important!)

Thanks to this system,

Even if you have to quit your job due to pregnancy,

It can ease some of your financial worries .

The "retirement date trap" you absolutely must know about

The mistake many people make here is "going to work on your last day of work."

If you come to work for even one day saying, "This is my last day, so I'll just say hello..."

You will no longer be able to receive any of the 650,000 yen maternity allowance.

Actual failure example:

• A: Only took over for half a day on the day of retirement → 650,000 yen lost

• Person B: On his last day at work, he had to come in for 30 minutes to organize his belongings → 650,000 yen lost

• C: Complete holiday on retirement day → Receive the full amount of 650,000 yen

The farewell and handover should be completed by the day before the retirement date.

Make sure you don't go to work on your retirement day .

How to ensure you receive the 500,000 yen lump-sum childbirth and childcare grant

Cases where it is more advantageous not to use the direct payment system

The meaning of the amount of 500,000 yen

From April 2023, the lump-sum childbirth and childcare allowance will be

It was increased from 420,000 yen to 500,000 yen.

Why did the price increase by 80,000 yen at this time?

In fact, after researching the cost of childbirth across the country,

This is because we found out that the average was about 470,000 yen.

In other words, many people can give birth without taking out any money.

That's how it's set up.

Estimated childbirth costs by region (2024 survey):

• Tokyo : 600,000-800,000 yen

• Osaka/Aichi : 450,000-650,000 yen

• Regional cities : 350,000-500,000 yen

In Tokyo, 500,000 yen is often not enough,

This amount is enough to cover the cost in rural areas.

It's an exquisite setting that takes into consideration the balance of Japan as a whole .

The revolutionary convenience of the direct payment system

"Applying for the Lump-Sum Childbirth and Childcare Grant seems like it would be difficult..."

There is no need to worry about that.

Currently, most hospitals have a direct payment system .

Direct payment system procedure:

1. Sign the direct payment agreement at the hospital

1. childbirth

1. The hospital billed the health insurance association for 500,000 yen.

1. You only pay (or receive) the difference

For example, if the cost of childbirth is 450,000 yen,

You will receive 50,000 yen in change .

On the other hand, if it's 550,000 yen, you'll only have to pay 50,000 yen.

You don't need to prepare a lump sum of money .

A surprisingly unknown scope

The lump-sum childbirth and childcare allowance is actually available after the 85th day of pregnancy (fourth month of pregnancy) .

It is also paid for miscarriages and stillbirths.

This happens after the fourth month of pregnancy.

This is because it is medically treated as "birth."

Despite the difficult experience, they want to reduce the financial burden.

I can feel the warmth of the system .

Twins or more: 1 million yen, 1.5 million yen

In the case of multiple pregnancies, benefits are paid for each baby :

• Twins : 500,000 yen x 2 = 1,000,000 yen

• Triplets : 500,000 yen x 3 = 1.5 million yen

Multiple pregnancies tend to result in higher childbirth costs,

This system gives me a lot of peace of mind .

Cases where it is more advantageous not to use the direct payment system

In fact, we decided not to use the direct payment system.

There are some cases where it may be more advantageous to apply for the loan yourself .

Advantages of applying yourself:

• Earn points and miles (credit card payment)

• Easy to manage household finances (clear details)

• You will receive your refund quickly (if there is a difference)

Especially if the cost of childbirth is less than 400,000 yen,

Combine the 100,000 yen refund with credit card points

You might even be able to save more .

Obstetric medical compensation system: things to be aware of

The breakdown of the 500,000 yen lump-sum childbirth and childcare allowance is as follows:

• Basic amount : 488,000 yen

• Obstetric medical compensation system premium : 12,000 yen

In the case of hospitals that are not members of the obstetric medical compensation system,

The amount of the grant will be 488,000 yen.

When choosing a hospital, consider whether they are enrolled in this system.

That's one of the points to check .

[New system for 2025] Conditions for childcare leave benefits to be 100% of take-home pay

A miraculous system where couples can take 28 days off without losing income

Why are men so unlikely to take parental leave?

The rate of men taking parental leave in Japan is expected to be around 17% (2023).

The reality is that it is still low.

The biggest reason was "fear of reduced income."

Previously, childcare leave benefits were 67% of salary.

In other words, if you earn 300,000 yen a month, your monthly income will be reduced to about 200,000 yen.

Considering mortgages and living expenses,

"I want to take parental leave, but I can't."

This was the true feeling of many men.

Revolutionary Changes in April 2025

Therefore, a groundbreaking new system was launched in April 2025.

This is the "Postnatal Leave Support Benefit."

How the new system works:

• Both parents take at least 14 days of parental leave within eight weeks of the birth

• Childcare leave benefits 67% + postnatal leave support benefits 13%

• Total 80% + Social Insurance Exemption = Almost 100% of Take-Home Pay

• Applies for up to 28 days

In other words, both parents can devote themselves to raising the baby with almost no loss of income during the first month after birth.

I was able to do it.

This is the history of childcare support.

It's truly a revolutionary change .

Let's calculate it in a real case.

If both spouses earn 300,000 yen a month:

Previous system:

• Childcare leave benefits: 200,000 yen (67%)

• Household income: Husband 200,000 yen + Wife 200,000 yen = 400,000 yen

New system (28 days):

• Grant amount: 240,000 yen (80%)

• Social insurance exemption: Approximately 40,000 yen

• Household income: Husband 280,000 yen + Wife 280,000 yen = 560,000 yen

That's an increase of 160,000 yen per month!

This way, couples can focus on raising their children with peace of mind.

Towards an era where dual income and co-parenting are the norm

The aim of this program is not just financial support.

The value that "raising children is something that a couple should do together"

The goal is to make it a part of society as a whole.

In fact, in families where fathers take parental leave:

• Lower rates of postnatal depression in mothers

• The divorce rate for couples decreases

• The rate of second and subsequent births increases

In other words, this system is for the happiness of children, the happiness of couples,

And it is an investment that leads to the happiness of society as a whole.

Application conditions and points to note

Conditions for receiving postnatal leave support benefits:

• Start within 8 weeks of the child's birth

• Both parents take at least 14 days of parental leave

• Can be taken simultaneously or alternately

• Be enrolled in employment insurance

Points to note:

• If it's less than 14 days, you won't be eligible (if it's the 13th, you won't get a single yen)

• If your spouse is a full-time housewife, only you are eligible

• Applications must be submitted in consultation with your employer before starting parental leave.

Maximum effect when used in combination with "Papa Mama Childcare Leave Plus"

When combined with the existing "Papa Mama Childcare Leave Plus" system,

It will also be possible to take longer parental leave .

Maximum use case:

1. 28 days after birth : Postnatal leave support benefit (100% of take-home pay)

1. 10 months after that : Standard childcare leave benefits (67%)

1. Two more months : Parental leave plus (67%)

This minimizes the impact on household finances of parental leave of more than one year.

It can be suppressed.

How to apply for a child allowance of 1.98 million yen

Why children born at the end of the month have an advantage

Why was it extended to high school students?

From December 2024, the child allowance payment period will be extended.

It has been extended from junior high school students to high school students.

Why was it expanded at this time?

In fact, the household survey of child-rearing households revealed that

The reality was that high school students' education costs were the heaviest .

Cram school fees, club fees, university entrance exam fees, etc.

It costs more than when I was in middle school.

Trends in education expenses (annual average):

• Elementary school students : approximately 320,000 yen

• Junior high school students : approximately 490,000 yen

• High school students : Approximately 680,000 yen

Looking at these numbers,

This shows how important it is to support high school students.

New child allowance payment amount

From December 2024:

• 0-2 years old : 15,000 yen per month

• Ages 3 to elementary school age : 10,000 yen per month (15,000 yen for the third child and onwards)

• Junior high school students : 10,000 yen per month

• High school students : 10,000 yen per month (newly established)

If we calculate for the first child, the total amount from birth to high school graduation is 1.98 million yen .

If it's the third child, it's even more.

This is truly child-rearing support from the entire nation .

Income restrictions eliminated, making all households eligible

From October 2022, benefits for high-income households will be suspended.

(annual income of 12 million yen or more) was implemented,

The income limit was lifted in December 2024.

Here's why:

• The reality that the number of children is continuing to decline

• Even high-income households face a heavy burden of education costs

• The idea that all children are equally important

The idea that "parents' annual income has nothing to do with children's rights"

It has started to spread.

Why children born at the end of the month have an advantage

In fact, the total amount of benefits you receive will vary depending on your date of birth .

Did you know?

Child allowance payment rules:

• Payment begins from the month following the month of application.

• However, if you were born at the end of the month, you can apply in the same month and receive benefits from that month.

• If you apply within 15 days, you will receive benefits from the month of your birth.

Example:

• Born on January 1st : Apply in January and start from February → Loss of 1 month

• Born on January 31st : Apply in January and start from January → No loss

This means that people born at the end of the month can save up to 15,000 yen .

Of course, you can't choose the date of birth.

You can choose when to apply.

Payment timing and points to note

Child allowance is paid in three installments per year:

• June (February-May)

• October (June-September)

• February (October-January)

Once you have registered the birth, you should also apply for child allowance as soon as possible .

If you apply late, you may not receive the benefit retroactively.

Abolishing the current status notification makes procedures easier

Starting in 2022, many local governments have abolished the "current status notification" requirement .

The documents that previously had to be submitted every June are no longer necessary.

The procedure has been greatly simplified .

However, notification is required in the following cases:

• Separated from spouse in divorce proceedings

• Are fleeing due to spousal violence, etc.

• Raising a child who is not listed on the family register

• In addition, if you receive a notice from a local government to submit the form

Preferential treatment for third and subsequent children

Amount paid for the third child and onwards:

• From age 3 until the end of elementary school : 15,000 yen per month

• (10,000 yen per month for the first and second child)

In other words, if you have a third child, you will receive 360,000 yen more over the six years of elementary school.

As a measure to combat the declining birthrate,

They are providing generous support to large families .

Example calculation for third child:

• 0-2 years old : 15,000 yen x 36 months = 540,000 yen

• 3 years old - elementary school student : 15,000 yen x 120 months = 1.8 million yen

• Junior high school students : 10,000 yen x 36 months = 360,000 yen

• High school students : 10,000 yen x 36 months = 360,000 yen

• Total : 3.06 million yen

This works out to 1.08 million yen more than for the first child.

1 million yen difference in housing options | Subsidy ranking by municipality

The secret top-up system only Tokyo residents know about

Why do local governments provide their own support?

"The neighboring city has better childcare support."

Have you ever heard such a story?

In fact, local governments across the country are currently competing to attract families with children.

It is unfolding.

As the population continues to decline, it is important to attract young people to live here.

Important matters concerning the survival of local governments .

That is why we are adding our own unique features to the national system.

So you're trying to differentiate yourself.

[Tokyo] Overwhelming support

Tokyo Metropolitan Government's support is truly outstanding:

Baby First Project:

• During pregnancy : 50,000 yen (national system) + 50,000 yen (Tokyo-specific system) = 100,000 yen

• After childbirth : 50,000 yen (national system) + 50,000 yen (Tokyo-specific system) = 100,000 yen

• 0-year-old : Childcare gift worth 100,000 yen

018 Support:

• 0-18 years old : 5,000 yen per month (no income limit)

• Total amount : 5,000 yen x 12 months x 19 years = 1.14 million yen

Combined with the national child allowance,

This will provide considerable support to families raising children in Tokyo.

[Osaka City] Attentive care shines through

Osaka City is characterized by its continuous support from pregnancy to childcare :

Support funds for pregnant women and families with children:

• During pregnancy : 50,000 yen

• After giving birth : 50,000 yen

• Provides reliable support in conjunction with interviews

Subsidy for newborn hearing tests:

• Testing costs : Subsidies up to 3,000 yen

• For early detection and early response

Postnatal care business:

• Short stay : 2,000 yen per day (usually 10,000-30,000 yen)

• Day care : 1,000 yen per day (usually 8,000 yen)

• Physical and mental care for mothers and children and childcare support

[Yokohama City] Balanced comprehensive support

Yokohama City provides support in a wide range of areas :

Support benefits for pregnant women:

• First time : 50,000 yen (after pregnancy notification)

• Second time : 50,000 yen (after notifying the number of fetuses)

Prenatal and postnatal helper business:

• Housekeeping assistance : 500 yen per hour

• Childcare assistance : 600 yen per hour

• If you have multiple babies, the usage time doubles.

Temporary care for infants and young children:

• 4 months - Pre-school : 350 yen per hour

• Can also be used for refreshing purposes

The unexpected generosity of local cities

In fact, the smaller the population of a municipality,

There are some cases where generous support is available :

Nagi Town, Okayama Prefecture:

• Birth gift : 100,000 yen for first child, 150,000 yen for second child, 200,000 yen for third child

• Childcare support allowance : 10,000 yen per month for children up to junior high school age

• Childcare fees : Free for second child and onwards

• School lunch fees : Free for elementary and junior high school students

Akashi City, Hyogo Prefecture:

• Medical expenses are completely free for junior high school students

• Free childcare fees for second and subsequent children

• Diaper subscription (up to 1 year old)

• Free school lunches for junior high school students

Shimojo Village, Nagano Prefecture:

• Birth gift : 300,000 yen for first child, 500,000 yen for second child, 700,000 yen for third child

• Childcare fees : completely free

• Medical expenses : Free for those under 18 years old

• School lunch fees : Free for elementary and junior high school students

The preconceived notion that "local areas receive less support"

It might be old already.

Hidden support systems that are often overlooked

A surprisingly little-known system:

Provision and subsidy of disposable diapers:

• Shinagawa Ward : One year's supply of disposable diapers provided

• Shibuya Ward : 3,000 yen per month childcare supply voucher

• Setagaya Ward : Setagaya Childcare Voucher (50,000 yen per year)

Housework support and babysitting subsidies:

• Chiyoda Ward : Babysitting 150 yen per hour

• Minato Ward : Housework and childcare support: 500 yen per hour

• Chuo Ward : Prenatal and postnatal support helper: 250 yen per hour

Lessons and educational support:

• Bunkyo Ward : Cram school fee subsidy (200,000 yen per year)

• Suginami Ward : School assistance fees (school lunch fees and school supplies fees)

• Nerima Ward : Private kindergarten admission fee subsidy (up to 100,000 yen)

The best strategy for choosing a local government

Comparison of total support amount (ages 0-18):

• Tokyo (wards) : Approximately 4-5 million yen

• Ordinance-designated cities : Approximately 2-3 million yen

• Childcare-specialized municipalities : approximately 3-4 million yen

• General municipalities : Approximately 1.5 to 2 million yen

When choosing where to live, consider your salary level.

The level of childcare support is also an important factor to consider .

Tips on how to check

How to find out about local government support programs:

1. Check the "Childcare Support" page on your local government's website

1. Download the "Childcare Guidebook"

1. Consult directly at the counter (you may discover unexpected systems)

1. Comparison with neighboring municipalities

If you are considering relocating,

Please be sure to check it out.

The timing of your application can change your life

A schedule that never fails

A case where tens of thousands of yen were lost due to a one-month delay

Why timing is so important

"Can I apply later?"

Do you think that way?


In fact, there is a statute of limitations for applying for benefits.

There are many systems in which you will lose out if you apply late .

In particular, we would like to draw your attention to the following points:

There is a system in place where the total amount of benefits received varies depending on the month of application .

Delaying your application by just one month can cost you tens of thousands of yen.

What to do as soon as you find out you're pregnant

Around 6-8 weeks pregnant (immediately after heartbeat confirmation):

1. Submit a pregnancy notification to your local municipal office

1. Receive your maternal and child health handbook and pregnancy checkup ticket

1. Applying for the first maternity support benefit

1. Inform your workplace of your pregnancy (consider the possibility of taking time off due to morning sickness)

The important thing here is to submit the pregnancy notification "immediately after confirming the heartbeat ."

Subsidies for prenatal checkups are applied to checkups held after the date of notification.

Example: A's failure

• Heartbeat confirmed at 8 weeks pregnant

• I was so busy that I registered my pregnancy at 12 weeks.

• The cost of four weeks' worth of medical checkups will be approximately 80,000 yen.

What to do during the second trimester

Around 20-28 weeks of pregnancy:

1. Consult with your employer about maternity leave and childcare leave

1. Apply for the direct payment system for the childbirth and childcare lump-sum grant at the hospital where you plan to give birth

1. Participating in local government parenting classes

1. Preparation for the second maternity support benefit (after determining the number of fetuses)

Important points to note:

• The golden rule is to consult about maternity leave and childcare leave early

• Check company regulations and prepare necessary documents

• Consider the time it takes to arrange replacement personnel

What to do before giving birth

Around 32-36 weeks of pregnancy:

1. Receive the application form for maternity allowance from your workplace

1. Apply for the second maternity support benefit

1. Preparation for childcare leave benefits

1. Sharing information with family members about postpartum procedures

Important things to check:

• Obtain application documents for maternity allowance in advance

• Check if a doctor's certificate is required

• Check in advance whether proof of employment is required

Golden time after giving birth

Within 14 days of giving birth:

1. Submit birth notification (within 14 days, absolute deadline)

1. Applying for child allowance (delays will delay the start of benefits)

1. Adding dependents to health insurance

1. Applying for maternity allowance (doctor's certificate required)

Within one month after giving birth:

1. Applying for childcare leave benefits

1. Applying for postnatal leave support benefits (only for those who qualify)

1. Coordination of local government newborn visits

Example: Mr. B's success

• Submit birth notification within 3 days of birth

• Apply for child allowance on the same day

• Full benefit received from the month of birth (15,000 yen benefit)

Important points that are easy to forget

Special child allowance provisions:

• If you were born at the end of the month, you will receive benefits from the current month even if you apply the following month.

• However, if the application is delayed, there is no retroactive effect in principle.

• Utilize the 15-day application rule

Important points to note regarding childcare leave benefits:

• Apply within four months of starting parental leave

• If you delay, you may not receive your benefits.

• Cooperation with your employer is important

Statute of Limitations for Municipal Systems:

• Many systems are "within two years"

• However, if the budget runs out, the deadline may be early.

• Applications are concentrated at the end of the fiscal year (March), so apply early.

The ultimate schedule management tool

Recommended management practices:

1. Set the time for your procedure using a pregnancy week calendar app

1. Use the reminder function on your smartphone

1. Sharing information with partners (backup system)

1. Create a checklist of required documents

Tips to prevent forgetting to apply

How the pros do it:

• Create an annual schedule at the same time as notifying your pregnancy

• Set an alarm two weeks before each procedure

• Prepare and file the necessary documents in advance

• Make a note of the contact information of the local government official

Example: Mr. C's perfect schedule

• Enter all procedures into your calendar at 6 weeks pregnant

• Prepare the necessary documents while pregnant

• After the birth, the husband will handle the procedures on behalf of the mother.

• Received all benefits in full (total of approximately 3.2 million yen)

What to do in an emergency

If the application deadline has passed:

• Don't give up and consult with the counter

• Possibility of relief measures if there are unavoidable circumstances

• Prepare supporting documents such as a doctor's certificate

• It's important to act as soon as possible

Pitfalls that 99% of pregnant women are unaware of | Examples of failure and countermeasures

The reality is that "I wasn't told that" is no excuse

Failure pattern 1: Forgetting to apply results in hundreds of thousands of yen in losses

"After giving birth, I was so busy that I forgot to apply."

This is a very common story.

The most common cases are:

Example of a mistake made by Mr. A (28 years old, office worker):

• It's been three months since I forgot to apply for maternity allowance.

• I was not able to receive the approximately 700,000 yen that I was supposed to receive.

• File a claim just before the statute of limitations (2 years) expires and avoid any problems

Why this happens:

• Postpartum fatigue and rush

• The procedure was put off due to taking care of the baby.

• Insufficient guidance from the company

• Lack of awareness of application deadlines

countermeasure:

• Create a checklist during pregnancy

• Share information with your partner and family

• Use the reminder function on your smartphone

• Prepare the necessary documents in advance

Failure pattern 2: Not receiving benefits due to timing of move

Pregnancy and childbirth are times when many people move.

But if you choose the wrong time to move,

You may not receive benefits.

Example of a mistake made by Ms. B (31 years old, full-time housewife):

• Moved outside the prefecture due to her husband's job transfer when she was seven months pregnant

• I received the first maternity support benefit from my previous municipality.

• When I moved to a new place, I was told that I had already received the benefit from another local government and was therefore unable to receive the second benefit.

• The result was a loss of 50,000 yen.

Pitfalls of moving:

• Municipalities' own systems can only be used in the area of residence

• Prenatal checkup tickets vary by municipality

• Moving during the application process complicates the process

countermeasure:

• Check the local government's policies before moving

• If possible, postpone the move until after the birth

• If you are forced to move, consult with both local governments in advance.

• Research the procedures to be followed at your new address in advance

Failure Pattern 3: Trouble with the timing of switching health insurance plans

When your health insurance changes due to retirement or job change,

If you get the timing of the procedure wrong

You may not receive benefits.

Example of a mistake made by Mr. C (29 years old, office worker):

• Decided to quit work due to pregnancy

• I quit my job before I went on maternity leave

• Loss of eligibility for maternity allowance (loss of approximately 650,000 yen)

• "I should have researched it a bit more..." I regret.

Important points to note when switching health insurance:

• Retirement date set during maternity leave

• Do not come to work on your retirement date

• Be sure to check the conditions for continued benefits

• Choosing between voluntary continuation and national health insurance is also important

countermeasure:

• The timing of retirement is set after maternity leave ends

• Utilizing the health insurance continuation benefit system

• Consult with a labor officer or a social insurance and labor consultant in advance

• Compare insurance options for retirement

Failure Pattern 4: Losing money at the income limit

Some programs have income restrictions.

If your annual income is at the very limit,

With a little ingenuity, you may be able to receive benefits.

Success story of Mr. D (35 years old, office worker):

• Annual household income is just below the income limit for some systems

• Reduce your income by taking advantage of spousal deductions and medical expense deductions

• As a result, all benefits were received in full.

Income adjustment method:

• Income deduction with iDeCo (individual-type defined contribution pension plan)

• Utilizing hometown tax donations

• Proper declaration of medical expense deductions

• Consider adjusting your spouse's work schedule

Failure Pattern 5: Application delayed due to incomplete required documents

Incomplete application documents:

It's a more common problem than you might think.

Common defects:

• Forgetting to stamp or stamping the wrong seal

• Mistake in the transfer account

• Incomplete doctor's certificate

• Insufficient attached documents

Example of a mistake made by E (26 years old, office worker):

• Submit an application for maternity allowance

• It was discovered that the doctor's seal was missing.

• Resubmission delayed by one month, and during that time, living expenses were in trouble

countermeasure:

• Double-check the required documents before applying

• Please read the example carefully and fill in the form correctly.

• Make a copy and keep it handy

• If you have any questions, please check with the reception desk in advance.

Failure pattern 6: Missing an application due to a "misunderstanding"

Common misconceptions:

"Stay-at-home moms get nothing."

• In reality, many systems are available, such as maternity support benefits and child allowances.

• Even if you are a dependent of your spouse, you can receive the Lump-Sum Childbirth and Childcare Grant.

"I'm part-time so I'm not eligible"

• If you meet the conditions, you can receive maternity benefits.

• If you are enrolled in employment insurance, you may also receive childcare leave benefits.

"Miscarriages and stillbirths are not covered."

• Many systems apply if you are four months pregnant or older

• Lump-sum childbirth and childcare allowances and maternity support benefits are also available.

The secret to never failing, as taught by professionals

Rule 1: Gather information from multiple sources

• Local government website

• Direct confirmation at the counter

• Labor relations officer at your workplace

• Consultation with a specialist (such as a social insurance and labor consultant)

Golden rule 2: Apply early

• Application preparation completed one month before the deadline

• Even if there are any document deficiencies, time is provided to correct them

• Avoid crowds at the counter and complete your procedures safely

Golden Rule 3: Share information with the whole family

• Partners also understand the system

• A system for proxy procedures in emergencies

• Share checklists with your family

Rule 4: Don't give up and ask for advice

• There may be relief measures available even after the deadline

• Be sure to consult if there are unavoidable circumstances

• Utilizing local government welfare departments and women's support centers

The final step to protect your benefits even if you change jobs or leave your job

The perfect countermeasure against companies that force you to quit because you're pregnant

Why are so many women changing jobs or quitting their jobs during pregnancy and childbirth?

According to a survey by the Ministry of Health, Labor and Welfare,

Approximately 20% of women quit their jobs during pregnancy and childbirth.

Here's why:

• Poor health makes it difficult to continue working

• Lack of understanding at work

• Moving due to husband's job transfer

• Hoping to change jobs to a workplace that is more understanding of child-rearing

But what happens to your benefits if you change jobs or quit your job?

In fact, if the conditions are met

There are many systems that allow you to continue receiving benefits .

Conditions for continuing to receive maternity allowance

Maternity benefits can be received even after you leave your job, provided that the following conditions are met:

Three conditions for continued receipt of benefits:

1. Be enrolled in health insurance for at least one year continuously until the day of retirement

1. You are receiving maternity allowance at the time of retirement or meet the conditions for receiving it.

1. Not working on retirement day

The third condition is especially important to note.


"Come to work for just one day to say hello" is also not acceptable .

Make sure you take the day off on your retirement date.

Example: The right time to retire

• Ms. F's success story : Set retirement date after maternity leave begins → Receive full 650,000 yen

• Ms. G's failure example : Quitting her job before maternity leave → Losing all 650,000 yen

Treatment of childcare leave benefits when changing jobs

Childcare leave benefits are paid from employment insurance,

If you join employment insurance at your new job

You can receive it continuously.

Key points to consider when changing jobs:

• The period of employment insurance coverage is counted as a total

• You can immediately take parental leave at your new job (if you meet the conditions)

• The benefit amount is calculated based on the salary at your last job.

However, depending on the timing of the job change

Please be aware that your benefit amount may be reduced.

Transitioning to freelance/self-employment

If you are transitioning from being a company employee to being a freelancer or self-employed,

What will happen?

Continuing benefits:

• Maternity allowance (if conditions are met)

• Lump-sum childbirth and childcare allowance

• Child allowance

• Maternity support benefits

Benefits that will no longer be available:

• Childcare leave benefits

• Employees' pension benefits

On the other hand, exemptions from national pension insurance premiums before and after childbirth

There is also a new benefit: a bonus of approximately 200,000 yen per year.

Points to note when becoming a dependent of your husband

If you are going to be dependent on your husband after retirement, please be aware of the following points:

Health insurance dependents:

• Maternity allowance may be treated as income

• Beware of the 1.3 million yen annual income barrier

• Standards vary depending on the health insurance association

Tax dependents:

• Maternity allowance and childcare leave benefits are tax-exempt

• If you have part-time income, add it all together to determine

The best time to change jobs

There are no legal restrictions on job hunting while pregnant.

Rather, changing jobs to raise children in a better environment

Recommended.

Timing of job hunting:

• Early pregnancy (before the stable period) : Consult with your physical condition

• Mid-pregnancy (stable period) : The best time to start job hunting

• Late pregnancy : Beware of sudden changes in your physical condition

• Postpartum : To the extent that it can be balanced with childcare

It is important to be honest about your pregnancy during the interview.

Rather than hiding it and getting into trouble later,

Finding a company that understands you will benefit in the long run .

How to deal with unfair treatment due to pregnancy

Examples of illegal company actions:

• Dismissal due to pregnancy

• Refusal to take maternity leave or childcare leave

• Demotion or pay cut due to pregnancy

• Harassment and power harassment

Countermeasures:

1. Keep evidence (recordings, emails, witnesses, etc.)

1. Consult with the Labor Standards Inspection Office

1. Consult with the Employment Environment and Equal Opportunity Division of the Prefectural Labor Bureau

1. Consult with a labor union or lawyer

Legal protections you should know:

• Basic Act for a Gender-Equal Society

• Childcare and Family Care Leave Act

• Labor Standards Act

• Act on Ensuring Equal Opportunities and Treatment between Men and Women in Employment

Important points when choosing a new job

Things to check:

Institutional aspect:

• Maternity and childcare leave acquisition record

• Availability of a reduced working hours system

• Work-from-home system

• Childcare support system (childcare allowance, babysitting subsidy, etc.)

Work environment:

• Ratio of female managers

• Percentage of employees raising children

• The reality of overtime hours

• Workplace atmosphere (can you actually visit?)

Job change strategies to maximize benefits

Strategy 1: Secure benefits and then change jobs

• After the right to receive maternity allowance is confirmed

• After starting to receive childcare leave benefits

• Continue receiving benefits if you change jobs during the benefit period

Strategy 2: Check the system at your new employer beforehand

• Immediate enrollment in employment insurance

• Health insurance procedure confirmation

• Unique childcare support system

Strategy 3: Know the timing

• No interruption to child allowance due to job change at the end of the fiscal year

• When to switch health insurance

• Coordinate with the start of nursery school

Success story: Ideal job change pattern

Success story of Mr. H (32 years old, office worker):

• Started job hunting at 6 months pregnant

• Job offer from a company with comprehensive childcare support

• Continue working at current position until maternity leave begins

• Receive the full amount of maternity allowance of 650,000 yen

• Taking parental leave at new job, continuing benefits

• A total of approximately 2.8 million yen in benefits was secured

Instead of saying, "I can't change jobs because I'm pregnant,"

"Use pregnancy as an opportunity to create a better environment"

It’s important to approach it with a positive mindset.

[Final Chapter] A calculator that will tell you your total benefit amount in 30 seconds

Just enter your work style, annual income, and address

Perfect Simulation

Why Simulation is Important

"So how much will I get in the end?"

So far, we have explained the individual systems,

Maybe it was hard to see the whole picture.

In fact, by knowing the total amount of benefits:

• It becomes easier to forecast your household finances

• Prevents missed applications

• Draw a concrete life plan

• Anxiety turns into relief

Now, let's simulate a specific case.

[Case 1] A married couple (both working)

setting:

• Husband : Annual income of 4.5 million yen (monthly salary of 300,000 yen)

• Wife : Annual income of 3.6 million yen (monthly salary of 240,000 yen)

• Residence : Tokyo

• First child : Expected birth in 2025

List of benefits available:

• Maternity support benefit : 100,000 yen (national) + 100,000 yen (Tokyo) = 200,000 yen

• Prenatal checkup subsidy : Approximately 150,000 yen

• Maternity allowance : Approximately 520,000 yen (monthly salary of 240,000 yen x 67% x 98 days)

• Lump-sum childbirth and childcare allowance : 500,000 yen

• Baby First : 100,000 yen

• Childcare leave benefit (1 year) : Approximately 1.3 million yen

• Postnatal leave support benefit : Approximately 160,000 yen (28 days for a couple)

• Child allowance (ages 0-18) : 1.98 million yen

• 018 Support (0-18 years old) : 1.14 million yen

Total amount: Approximately 6.05 million yen

In addition to this, there is also an exemption from social insurance premiums (equivalent to approximately 600,000 yen),

The actual benefit is 6.65 million yen !

[Case 2] Full-time housewife

setting:

• Husband : Annual income of 5 million yen (company employee)

• Wife : Full-time housewife

• Residence : Osaka City

• First child : Expected birth in 2025

List of benefits available:

• Pregnant women support benefit : 100,000 yen

• Prenatal checkup subsidy : Approximately 110,000 yen

• Lump-sum childbirth and childcare allowance : 500,000 yen

• Child allowance (ages 0-18) : 1.98 million yen

• Osaka City's own support : Approximately 50,000 yen

Total amount: Approximately 2.74 million yen

It is easy to think that "full-time housewives don't get anything," but

In fact, you can receive support of over 2 million yen .

[Case 3] Freelance couple

setting:

• Husband : Freelance (annual income: 4 million yen)

• Wife : Freelance (annual income: 3 million yen)

• Residence : Yokohama

• First child : Expected birth in 2025

List of benefits available:

• Pregnant women support benefit : 100,000 yen

• Prenatal checkup subsidy : Approximately 120,000 yen

• Lump-sum childbirth and childcare allowance : 500,000 yen

• National pension insurance premium exemption : Approximately 70,000 yen (for 4 months)

• Child allowance (ages 0-18) : 1.98 million yen

• Yokohama City's own support : Approximately 80,000 yen

Total amount: Approximately 2.85 million yen

This shows that even freelancers can receive basic support .

[Case 4] For company employees living in rural areas

setting:

• Wife : Annual income of 3.2 million yen (company employee)

• Residence : Nagi Town, Okayama Prefecture

• Second child : Expected in 2025

List of benefits available:

• Pregnant women support benefit : 100,000 yen

• Prenatal checkup subsidy : Approximately 90,000 yen

• Maternity allowance : Approximately 470,000 yen

• Lump-sum childbirth and childcare allowance : 500,000 yen

• Childcare leave benefit (1 year) : Approximately 1.1 million yen

• Child allowance (ages 0-18) : 1.98 million yen

• Nagi Town birth gift : 150,000 yen (second child)

• Childcare support allowance : 1.44 million yen (10,000 yen per month x 12 years)

• Free childcare fees : Equivalent to approximately 1.8 million yen

Total amount: Approximately 7.63 million yen

In areas where local government support is substantial,

In some cases, you may receive more support than Tokyo !

[Case 5] Multiple Pregnancy (Twins)

setting:

• Wife : Annual income of 4 million yen (company employee)

• Residence : Nagoya City

• Twins : Expected birth in 2025

List of benefits available:

• Maternity support benefit : 150,000 yen (50,000 yen + 100,000 yen)

• Prenatal checkup subsidy : Approximately 110,000 yen

• Maternity allowance : Approximately 590,000 yen

• Lump-sum childbirth and childcare allowance : 1 million yen (500,000 yen x 2 children)

• Childcare leave benefit (1 year) : Approximately 1.45 million yen

• Child allowance (0-18 years old) : 3.96 million yen (1.98 million yen x 2 children)

• Nagoya City's own support : Approximately 60,000 yen

Total amount: Approximately 7.32 million yen

In the case of twins, the lump-sum birth and childcare allowance and child allowance are doubled,

This will be a considerable amount of support .

Calculate your total benefit amount

Simple calculation:

Basic benefit (common to all):

• Pregnant women support benefit: 100,000 yen

• Prenatal checkup subsidy: 80,000-150,000 yen (varies by region)

• Lump-sum childbirth and childcare allowance: 500,000 yen

• Child allowance: 1.98 million yen

Subtotal: 2.66-2.73 million yen

If you are an office worker, add:

• Maternity allowance: Monthly salary x 2.2

• Childcare leave benefit (1 year): Annual salary x 0.5

• Postnatal leave support benefit: Approximately 160,000 yen for a married couple

Local government support:

• Tokyo : +approx. 1.3 million yen

• Ordinance-designated cities : +approx. 100,000-300,000 yen

• Childcare-specialized municipalities : +approximately 500,000-2 million yen

• General municipalities : +approximately 50,000-150,000 yen

5 tips to maximize your benefits

Tip 1: Choose your location strategically

• If you plan to move, consider the availability of childcare support.

• Comparing the balance between salary levels and support amounts

Tip 2: Optimize your application timing

• Pregnancy notification should be submitted immediately after the heartbeat is confirmed.

• All applications must be completed one month before the deadline.

Tip 3: Take parental leave together

• Postnatal leave support benefits cover 100% of take-home pay

• Extended period with Papa Mama Childcare Leave Plus

Tip 4: Make full use of local government systems

• Check with the office to see if there are any hidden support systems.

• Compare and consider the systems of neighboring municipalities

Tip 5: Talk to an expert

• Utilize consultation services provided by social insurance and labor consultants and local government offices

• Cooperation with labor personnel at the workplace

Finally: How to welcome your baby with peace of mind

Pregnancy, childbirth, and child-rearing are major life events.

If you have financial concerns,

What should be a joyous time is filled with anxiety.

But as we've seen in this article,

Japan has many systems in place to support pregnant women and families with children .

With the right knowledge and proper application,

It's possible to receive support worth millions of yen .

The important thing is:

• Don't lose out because you didn't know

• Early information gathering and preparation

• Sharing information with the whole family

• If you have a problem, consult an expert

For a happy future for you and your baby,

Please make use of this information.

I'm rooting for you from the bottom of my heart!