確定拠出年金からの脱退一時金の請求について
Requesting an Early Lump-sum Payment from a defined contribution pension plan (DC plan)
確定拠出年金制度は、原則60歳まで資産を引き出すことはできませんが、法律で定められた要件を満たす場合は脱退一時金を請求することができます。
下記にて該当する項目を選んでいただくと、脱退要件を満たしているか確認でき、要件を満たしている場合は手続きに必要な書類をダウンロードできます。
なお、お体等に不自由があり一定の障害認定を受けられている場合は、脱退一時金ではなく障害給付金でのお受取となります。
In principle, under a DC plan, early withdrawal of assets is not allowed until the age of 60; however, if you meet the requirements stipulated by law, you can claim an early lump-sum payment.
Please select the appropriate item below to see if you meet the requirements for an early lump-sum payment.
If you meet the requirements, you can download the necessary documents to complete the procedure.
In addition, if you have a physical disability and have received a certain degree of disability certification,
you will receive a disability benefits instead of an early lump-sum payment.
脱退要件については、2024年12月1日現在のものです。
2024年12月から、個人型確定拠出年金（iDeCo）の掛金を拠出できない場合*は、資産額が一定額（25万円）以下である等の脱退一時金の支給要件を満たした場合に脱退一時金を受給することができます。アンサーセンターまでお問い合わせください。
*5.5万円から確定給付企業年金等の他制度掛金相当額を控除した額が、iDeCoの掛金最低額の5千円を下回る
Requirements for an early lump-sum payment (early withdrawal) are as of December 1, 2024.
From December 2024, those who are unable to make contributions for individual-type DC plan* "iDeCo" can claim an early lump-sum payment if you meet all other requirements such as your asset is less than 250,000 yen etc. Please contact AnswerCenter.
*e.g. 55,000 yen - the contribution amount of the other plans such as defined benefit corporate pensions ＜ 5,000 yen
[ご留意事項]
判定の結果、脱退要件を満たしている場合であっても、脱退の可否は請求時の状況を基に要件の確認をしますので結果が異なる場合があります。
脱退の可否については、請求書類をご提出されたあとに、あらためて書面にて通知します。
次の理由以外で、個人型確定拠出年金（iDeCo）の加入者となれない年金状況の場合は、本サイトで正しく判定できない可能性があります。アンサーセンターまでお問い合わせください。
・日本国籍を有しない海外居住者
・国民年金保険料が免除されている方
[NOTICE]
Even if the result shows that you meet the requirements for early withdrawal, we will check the requirements based on the circumstances at the time of your claim and determine your eligibility for early withdrawal, so please note that the result may differ from this website.
You will be notified in writing about your eligibility for early withdrawal after you submit your documents.
If your pension status does not allow you to become a member of the individual-type defined contribution pension plan (iDeCo) for reasons other than the following, this site may not be able to make a correct determination. Please contact the AnswerCenter.
・Overseas residents who do not have Japanese nationality
・Those who are exempt from paying national pension premiums
各設問に対して、該当する項目をチェックしてください。
For each question, please check the appropriate circle button.
企業型確定拠出年金の加入状況
Participation status in
a corporate-type DC plan ◆必須 Required
個人型確定拠出年金（iDeCo）の加入状況
Participation status in
an Individual-type DC plan (iDeCo) ◆必須 Required
企業型確定拠出年金の資産額
Asset amount under a corporate-type DC plan. ◆必須 Required
確定拠出年金の加入者資格を喪失してからの期間
Time elapsed since the loss of participant eligibility for a DC plan ◆必須 Required
以下の脱退要件を満たしているか確認してください。各設問に対して、該当する項目をチェックしてください。
Please check if you meet the following requirements. For each question, please check the appropriate circle button.
脱退要件 Requirements for early withdrawal
日本国籍を有しない海外居住者
Overseas residents who do not have Japanese nationality. ◆必須 Required
国民年金保険料が免除されている方*1
Those who are exempt from paying national pension premiums*1 . ◆必須 Required
*1 国民年金保険料の全額または一部の納付が免除されている方（学生納付特例または納付猶予を受けている方を含む）
Those who are exempt from paying national pension premiums entirely or partially (including those who have been granted special payment system for students or contribution postponement system for low income persons).
掛金の通算拠出期間*2が1ヶ月以上5年以下
Total contribution period*2 is not less than one month and not more than five years. ◆必須 Required
*2 通算拠出期間: 「企業型確定拠出年金 加入者資格喪失とお手続きのお知らせ」で確認できます。
Total contribution period can be confirmed in "Notice of Loss of Participant Eligibility for Corporate-Type DC Pension Plan and Necessary Procedures".
資産額*3が25万円以下
Your individual asset amount*3 is not more than \250,000. ◆必須 Required
*3 資産額: アンサーネット（資産状況メニューの「持ち運べる資産」）で確認できます。自動移換された方の資産額については、国民年金基金連合会から定期的に送付される「確定拠出年金に関する重要なお知らせ」で確認できます。
Your individual asset amount can be confirmed on the AnswerNet (Asset Information tab - ”Vested Balance” ). The asset amount of those who have automatic rollover can be confirmed in the "Important Notice Concerning Defined Contribution Plan" (in Japanses) sent periodically by the National Pension Fund Association.
You meet the requirements for early withdrawal from the corporate-type DC plan.
Please download the documents and complete the necessary procedures. (Please be aware that necessary documents differ depending on whether you are "a person whose assets are less than or equal to 15,000 yen" or "an overseas resident who does not have Japanese nationality" or "a person who is exempted from paying National Pension Premiums." )
Even if the above result shows that you meet the requirements for early withdrawal, we will check the requirements based on the circumstances at the time of your claim and determine your eligibility for early withdrawal, so please note that the result may differ from the above.
You will be notified in writing about your eligibility for early withdrawal after you submit your documents.
You meet the requirements for early withdrawal from the iDeCo.
Please download the documents and complete the necessary procedures. (Please be aware that necessary documents differ depending on whether you are "an overseas resident who does not have Japanese nationality" or "a person who is exempted from paying National Pension Premiums." )
Even if the above result shows that you meet the requirements for early withdrawal,
we will check the requirements based on the circumstances at the time of your claim and determine your eligibility for early withdrawal, so please note that the result may differ from the above.
You will be notified in writing about your eligibility for early withdrawal after you submit your documents.
You meet the requirements for early withdrawal. (JIS＆T)
Please download the documents and complete the necessary procedures.
Even if the above result shows that you meet the requirements for early withdrawal, we will check the requirements based on the circumstances at the time of your claim and determine your eligibility for early withdrawal, so please note that the result may differ from the above.
You will be notified in writing about your eligibility for early withdrawal after you submit your documents.
You do not meet the requirements for early withdrawal.
Under a DC plan, in case a participant aged below 60 retires from the company (due to a job change, post-retirement procedure, etc.) and loses participant eligibility, you can roll over your accumulated asset to the corporate-type DC plan offered by the new plan sponsor, an iDeCo or other plans and continue to invest this asset so that you can receive benefits in the future.
You can roll over your assets to iDeCo offered by SJDC.
SJDC's iDeCo, "Happy Aging 401k Plan"(in Japanese)
You do not meet the requirements for early withdrawal.
Under a DC plan, you will receive your accumulated assets after the age of 60 (excluding severe disability and death).
If there is any change in the registered information while enrolled in iDeCo, please submit the procedure documents (form specified by the National Pension Fund Association).
You can download from the "iDeCo various change procedure documents" on the homepage.(in Japanese)
Sompo Japan DC Securities AnswerCenter
0120-401-593 (toll free in Japan) / +81-3-5325-6303 (from abroad)
For operation hours, please refer to the link.
