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  <title><![CDATA[Willow Falcon Crest]]></title>
  <link>https://willowfalconcrest.com/</link>
  <description><![CDATA[Willow Falcon Crest offers consultations on Japan's public pension system from Hakodate, Hokkaido. Record review, benefit timing and household questions.]]></description>
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    <title><![CDATA[Japan's Totalization Agreements and Your Pension Rights]]></title>
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    <link>https://willowfalconcrest.com/notes/totalization-agreements-japan-pension.html</link>
    <description><![CDATA[Japan has concluded social security totalization agreements with a number of countries, including Germany, the United Kingdom, South Korea, the United States, and Canada, among others. These agreements exist to prevent workers from paying into two pension systems simultaneously and, in many cases, to allow contribution periods in one country to count toward eligibility thresholds in the other. For people who have worked across borders, understanding how these agreements apply is a practical necessity.]]></description>
    <pubDate>Sat, 03 Oct 2026 21:55:26 GMT</pubDate>
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    <title><![CDATA[When to Start Drawing Your Japanese Pension]]></title>
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    <link>https://willowfalconcrest.com/notes/when-to-start-drawing-japanese-pension.html</link>
    <description><![CDATA[Most people approaching retirement in Japan know that they can start drawing their pension at 65, and that there is some flexibility around that date. Fewer people understand exactly how much the timing decision matters, or how to work out which option suits their situation. This article walks through the mechanics of early and deferred claiming under Japan's public pension system.]]></description>
    <pubDate>Wed, 09 Sep 2026 09:34:27 GMT</pubDate>
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    <title><![CDATA[How to Read Your Nenkin Teiki-Bin Statement]]></title>
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    <link>https://willowfalconcrest.com/notes/understanding-nenkin-teiki-bin.html</link>
    <description><![CDATA[Each year, around your birth month, the Japan Pension Service sends an annual statement to enrolled contributors. The envelope is easy to set aside, but the document inside is one of the most useful pieces of paper in your retirement planning. Understanding what it shows. And what it does not. Is a practical first step toward knowing where you stand.]]></description>
    <pubDate>Fri, 14 Aug 2026 16:42:36 GMT</pubDate>
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    <title><![CDATA[Category 3 Insured Status: What Spouses Need to Know]]></title>
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    <link>https://willowfalconcrest.com/notes/category-3-insured-status-explained.html</link>
    <description><![CDATA[Many married people in Japan have spent part of their working life as a Category 3 insured person (第3号被保険者), meaning they were covered under the national pension as a dependent of a spouse enrolled in the employees' pension. The arrangement is common and straightforward while it is in place, but it raises questions when retirement approaches: what pension will I actually receive in my own name?]]></description>
    <pubDate>Sun, 12 Jul 2026 10:18:10 GMT</pubDate>
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