For new members
Information about
the Mutual Aid Association (MAA) ofPublic School Teachers
The MAA of Public School Teachers administers three programs for "ensuring the stable livelihoods" and"improving the welfare" of public school teachers/staff and their families, with the aim of creating anenvironment in which they can work with peace of mind.

The MAA of Public School Teachers is a part of theLocal Public Service Mutual Aid Associations
If you are hired as a public school teacher or staﬀ member, you may, depending on the type of your employment, be enrolled
in the Local Public Service Mutual Aid Associa�ons, a social insurance system for local public service employees. All persons
employed as public school teachers, staﬀ, etc. become members (enrollees) of the MAA of Public School Teachers, part ofthe Local Public Service Mutual Aid Associa�ons.

Types of MAA

Who are public school
teachers, staff, etc.?

National public service employees▶Enroll in National Public Service Personnel Mutual AidAssociations

Local public service employees (Public school
teachers, staff, etc.)▶Enroll in the Local Public Service Mutual Aid Associations

Private school teachers/staff▶Enroll in the Promotion and Mutual Aid Corporation forPrivate Schools of Japan(except for some private schools)

An association membership card(health insurance card) is issued

SampleThe Local PublicService Mutual Aid
Associations isorganized as follows,
based on broad
categories such astype of mutual aid
association,
workplace, etc.

MAA of Public School Teachers
Mutual Aid Association of Prefectural
Government Personnel
Japan Police Personnel Mutual Aid
Association
Mutual Benefit Association for Tokyo
Metropolitan Government Employees

Public school teachers/staff
Prefectural boards ofeducation staff
Staff of educational
institutions (libraries, museums,etc. established by prefectures)

under the jurisdiction ofprefectural boards ofeducation, etc.

Mutual Aid Associations for Municipal
Personnel

When you join the MAA of Public School Teachers, you will receive an "association membership card" from thebranch*. The association membership card proves that you are a member (enrollee), and it is also a certificate
showing that you are enrolled in the public medical insurance system (health insurance card). Please keep it in a safe
place, as you will need it when receiving treatment at medical institutions, etc. Members who have family members
recognized as dependents will also be issued with "dependent cards".
* In addition to its head office, the MAA of Public School Teachers has branches, which are located within each prefecture's board of education.
The head office oversees the operations of the MAA, while branches are the contact points for members.

Three key programs
The programs administered by the MAA are funded by the payment of contributions (premiums) by members and thepayment of shared amounts by employers of local public entities, etc.

Payment ofcontributions(premiums)Members
Payment ofsharedamounts
Employers of local
public entities, etc.

Three programs of the MAA of Public School Teachers
Short-Term Benefits
Services

Long-Term Benefits
Services

In addition to providing healthinsurance equivalent to thatof private sector companies,
this program provides benefits
related to absence from workand disasters.

This program makes decisions
concerning employees'pensions, annuity retirement
benefits, etc., and pays thesebenefits.

See page 2.

See pp. 2-3.

(Medical insurance)(Pension benefits, etc.)

Welfare Services
This program offers healthservices such ascomprehensive healthscreening and mental healthcare, conducts loan activities,
and administers lodging
facilities and hospitals.
See pp. 3-4.

Payment of contributions (premiums) by members
Contributions (premiums) are deducted from your salary on a monthly basis. The amount is calculated based on your monthly
standard remuneration at the premium rates for each program.

1

Short-Term Benefits
Services

MAA-Provided

MedicalInsurance

For General Members
For Short-Term Members

Benefits are provided to members and their dependents when they receive medical treatment at hospitals, etc.
for illness or injury and in the event of childbirth, death, absence from work, and disasters. For some benefits, youwill need to follow a claim procedure, while for others this is unnecessary.

Benefits when you present your association membership card (or when your dependent presents
their dependent card) at the counter of a medical institution, etc. and receive medical treatment

No

claim
procedure

Total medical expenses

required70%

Typical example(the out-of-pocket
expense ratio varies
depending on incomeand age)

MAA of Public SchoolTeachers portion(The association pays the medicalinstitution, etc.)

Medical care benefits
Dependent's medical
treatment benefits

30% Member'sportion（You or your dependent pays
this directly to the medical
institution, etc. at the counter.

)If your out-of-pocket expenses at thecounter exceeds a certain amount,benefits for high-cost health care,a refund of part of the cost-sharing
amount, or dependent's medical care
additional benefits are disbursed
automatically.

Main benefits for which a claim procedure is necessary
Claimprocedure

requiredWhen claiming benefits, please submit the prescribed claim form along with the necessary
documents to the branch to which you belong. If you do not file a claim within two years from theday after the benefit event occurs, you will not receive benefits.

When you or your dependent gets sick
Medical treatment benefits (dependent's medical treatment benefits)
When you were unable to use your association membershipcard (or when your dependent was unable to use theirdependent card) for unavoidable reasons and you or yourdependent has paid the full amount of the medical expenses.
Transportation benefits (dependent's transportation benefits)
When you or your dependent was transferred under adoctor's order due to a serious condition that requires
urgent attention and is unavoidable.

When you or yourdependent gave birthMaternity benefits(dependent's maternity benefits)

When you or yourdependent died
Funeral benefits(dependent's funeral benefits)

When you were absent from work and your salary was reduced
Sickness and injury
allowance
Maternity allowance
Loss of wageallowanceChildcare leaveallowance
Family care leaveallowance

When you were absent from work due to illness or injury
not caused by your official duties
When you or your dependent gave birth

When you were absent from work due to the illness, injury,
etc. of a family member
When you took childcare leave
When you took family care leave

When you have been affected by a disaster
Special payment
for disaster

Condolence money

When your residence or personal property was damaged due
to an extraordinary disaster
When you or your family member died due to anextraordinary disasterFor details of the schemes, benefit payment criteria, and claim procedure, please refer to yourbranch's website or PR brochures.
Scan here for a list of branches ➡
MAA-ProvidedPension
Benefits, etc.

Long-Term Benefits
Services

For General Members

Among the public pension schemes that members are enrolled in, this program makes decisions concerning (1)(1) employees' pension insurance benefits and (2) annuity retirement benefits , and pays these benefits. It also
provides annuities and lump-sum benefits to members and their bereaved family.
The public pension schemes include the national pension (basic pension), which is for all residents ofJapan, and employees' pension insurance, which is for public service employees and private-sector
salaried workers.
In addition, there are top-up pensions such as annuity retirement benefits , which supplement thenational pension and employees' pension insurance. General members of the MAA enroll in threeschemes, the national pension, employees' pension insurance, and annuity retirement benefits. Since
Long-Term Benefits Services are not available to short-term members, they pay premiums to Japan
Pension Service and enroll in the employees' pension insurance.
2Pension schemes at a glance
National pension funds

Employees' pension funds, etc.

(2) Annuity retirement benefits(1) Employees' pension insurance
National pension (basic pension)

Category No. 1
insured persons

Category No. 3
insured persons

Category No. 2 insured persons

Self-employedhouseholds

Private-sector salaried workers

Full-time public service employees, etc.

Short-term members of the MAA fallunder this category

General members of the MAA fallunder this category

Dependents of
category No. 2
insured persons

Types of (1) employees' pension insurance benefits
and (2) annuity retirement benefits(1) Employees' pension
insurance benefits

Retirement benefits

Accidents benefits

Disability allowance(2) Annual retirement
benefits

Retirement annuity

Public service
disability annuity

Public service
survivors' annuity

Survivors' benefits

Scan here for more information ➡

MAA-Provided

Welfare Services

Employee
Services

For General Members
For Short-Term Members

The welfare services comprise four activities for enhancing the welfare of members and theirfamilies.

Health Services
Various services are provided, such as initiatives aimed at improving the mental and physical health ofmembers and their dependents (comprehensive health screening, mental health consultations, etc.).

Health management
services:

Scan here formore information ➡

Specific healthexaminations, etc.

Specific health examinations / specifichealth guidance (for people aged 40 to 74)

Health checkups

Comprehensive health screening,organ-specific examinations

Health promotion

Health education (seminars, etc.), healthguidance, general health consultations,mental health consultations

General services:

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Recreation

Subsidies for use of lodging facilities, etc.

Physical education

Support for various sports events, etc.

Education/culture

Various educational and cultural events, etc.

Remote-area
member services

Services for members in remote areas, etc.

Other

Welfare insurance system, etc.

Loan Services
Loans are available to members needed financial support.
When you need extra money temporarily, you can take out a loan that suits yourpurposes.
Scan here for more information ➡
3

Lodging services
The MAA operates accommodation facilities (Yasuragi no Yado) with hotsprings and delicious food throughout Japan.
Both members and their relatives (spouse, children, parents, grandchildren,grandparents, and siblings) are entitled to stay at membership rates.

MAA Yasuragi no Yado website

https://www.kourituyasuragi.jp/

Medical services
To provide more advanced medical services and promote health management with
its other health services, the MAA runs eight directly-operated hospitals acrossJapan as part of the Welfare services. In addition to general medical services,illness prevention is also emphasized through comprehensive health screening andspecific health examinations.

Types of members

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from October 2022

What are general members ?
These are typically full-time employees 1, 2. All the MAA programs (Long-Term Benefits services, Short-Term
Benefits services, and Welfare services program) are available to them.

What are short-term members ?
Short-term members

These are typically part-time employees with the types of employment
described below. In addition, among full-time employees, those withtemporary appointments are short-term members. Among the MAA
programs, Short-Term Benefits services and Welfare services program
are available to them. They enroll in the Category I Employees' Pension(Japan Pension Service) for long-term benefits.

Available
Not available

Short-Term Benefits
Services

Welfare Services
Long-Term Benefits
Services

Types of employment● Those who are working at least thep r e s c r i b e d n u m b e r o f h o u rs fo r
full-time employees and whose
expected length of service exceeds twomonths 3, 4
● Those for whom the prescribed numbero f we e k l y wo r k i n g h o u rs a n d t h eprescribed number of monthly working
hours are at least 3/4 of those offull-time employees and whose expected
length of service exceeds two months 3● Those who don't satisfy criteria on theleft, but who satisfy all of the following:
Prescribed number of weekly
hours is at least 20 hours
Expected length of service
exceeds two months 3
Monthly compensation is at least
88,000 yen
Not a student

1: Excludes those with temporary appointments, even if they are working full-time.
2: Those employed for a fixed term of two months or less are not eligible for MAA membership.
3: Includes those who are employed for a fixed work period of two months or less and are expected to be employed for a period exceeding
the said period, or those who are already employed for an extended period.
4: Those who have worked at least the prescribed number of hours for full-time employees for more than 12 months and are expected tocontinue working at least the prescribed number of hours for full-time employees after 12 months of service will become general union
members and Long-Term Benefits will apply.

The MAA's website offers a variety of useful information for members, including a description of each program
and the latest announcements for members, so please be sure to make use of it.

The Mutual Aid Association(MAA) of Public School Teachers
Published by the MAA of Public School Teachers
Unauthorized reproduction prohibited4

https://www.kouritu.or.jp/
This pamphlet is current as of October 1, 2022.