Long-Term Care Insurance (Kaigo Hoken): Who Qualifies and What You Get
Learn how Japan's long-term care insurance provides subsidized home help and nursing services for seniors and those with specific conditions.
Long-Term Care Insurance is a national system in Japan designed to provide financial support and services for people who require help with daily living due to aging or specific health conditions.
Who it's for
This scheme is available to everyone aged 65 and older. It is also available to people between the ages of 40 and 64 if they are diagnosed with specific age-related conditions.
What you get
The insurance provides subsidized access to various care options. This includes assistance with daily tasks at home, day care services, and professional care within nursing facilities.
What it costs you
While the system provides significant subsidies, you will need to pay a portion of the costs yourself. The co-payment usually ranges from 10% to 30% of the service cost, depending on your income level. You will also need to undergo a process to receive a formal certification of your specific level of care needs.
The catch to know
The benefits do not start automatically. You must first apply for a "Certification of Needed Long-Term Care" at your local municipal office to prove you qualify for the level of support you need.
How to apply
- Visit your local municipal office to request an assessment.
- Complete the application for the necessary certification of care needs.
- Once certified, consult with professionals to create a care plan.
- Begin using your subsidized services.