Japan’s government is poised to pass a new pension reform law that reduces survivor pension benefits, raising public concern.
Under the existing system, if a husband dies, his wife (aged 30 or older) can receive 75% of his pension for life. However, starting in 2028, the new rule stipulates that widows under 60 will only receive survivor pensions for five years.
For instance, a woman whose husband earned ¥450,000 per month could previously receive around ¥23 million in total. With the new law, this amount drops to just ¥3.65 million—a cut of nearly ¥20 million.
Experts compare this situation to reducing life insurance payouts after premiums have already been paid. Critics warn that the changes will particularly disadvantage women and undermine public trust in Japan’s pension system.
The reform also includes:
– Cuts to family pension benefits
– Higher premiums for middle-income earners
Many consider these changes unfair, arguing they weaken the pension system’s role in protecting families.