"If you keep your working hours under 20 hours a week, you won't need to enroll in social insurance, so it's okay."
From October 2026, this way of thinking alone is dangerous.

With the minimum wage increase, it will be 1,280 yen per hour in Tokyo and 1,279 yen per hour in Kanagawa Prefecture. In these two prefectures, working just 20 hours a week will bring your basic annual salary to around 1.33 million yen, exceeding 1.3 million yen. In other words, in Tokyo and Kanagawa, the 1.3 million yen barrier effectively coincides with the "20-hour-per-week barrier."

The scary thing is that those who carefully reduce their working hours to 19 hours a week to avoid losses will find their projected income, including commuting allowances, exceeds 1.3 million yen. They will no longer be considered dependents, but they cannot enroll in their employer's health insurance, employee pension, or unemployment insurance. The video calls this a "hellish blank space." Depending on the circumstances, a difference of just one hour per week can amount to over 800,000 yen.

This video organizes part-time work styles into five endpoints (green, light green, yellow, orange, and red), including employment insurance, and compares take-home pay, future pensions, and emergency protection with concrete figures. This is especially relevant for those who think, "It's okay as long as it's less than 20 hours a week." Please watch until the end.


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【Table of Contents】
00:00 Digest
00:24 Opening
02:05 ① 1.06 million yen and 1.3 million yen are completely different things
02:58 1.06 million yen side = The hurdle of joining your employer's social insurance
05:22 Another thing that changes = Employment insurance
06:23 1.3 million yen side = The hurdle of being removed from dependent status
08:30 Even with the same contract, the numbers you look at are different
10:04 The turning point is an hourly wage of 1,250 yen
11:42 Areas outside of Tokyo and Kanagawa are also relevant
14:58 ② There are five different landing points
17:25 Tokyo model - 18 hours per week = Yellow
17:48 19 hours per week = Red "The hellish blank zone"
20:02 Red means an annual out-of-pocket expense of approximately 325,000 yen
21:30 20 hours per week - Green if your company is eligible
23:52 A difference of one hour can even change your unemployment insurance.
26:02 Not everyone will reach green even with 20 hours of work.
27:48 Which is better: 18 hours of yellow or 20 hours of green?
30:35 A landing point that doesn't exist in Tokyo = light green
31:52 Let's review the five landing points again.
32:57...