Copayments for long-term care services will be 10% - 30% of the cost of the services.

Individuals pay 10% - 30% of service costs

Copayments for long-term care services will be 10% (20% or 30% for high-income earners) of the cost of the services, depending on the user's ability to pay. For in-home care services, you will also be required to pay meal expenses and living expenses. Those receiving inpatient services in long-term care facilities will also be required to pay meal expenses and accommodation expenses. Measures are available to reduce such costs for low-income earners.
You can check your copayment on the Long-term Care Insurance Copayment Certificate issued to persons needing support or long-term care.

[Category 1 insured persons with copayments of 20% or 30%]

* Notwithstanding the above, copayments are 10% for Category 2 insured persons, those exempt from paying municipal tax, and those receiving public assistance.

Cases in which individual cost-sharing grow large

A monthly maximum applies to cost-sharing for long-term care per household, based on income. The maximum copayment for ordinary households subject to resident tax(*) and households including persons earning income at levels comparable to active workers is 44,400 yen (lower for low-income earners). You are eligible to be reimbursed for any amount beyond this maximum as high long-term care service costs. Note that the accommodation expenses and meal expenses associated with services at care facilities are not eligible for reimbursement as part of high-cost long-term care expenses.

In addition, when total co-payments for health insurance and long-term care insurance paid over the course of a single year are remarkably high, you can receive benefits to defray the high aggregate cost for long-term care services.

See here for more information: In cases in which the total co-payments for medical care and long-term care are remarkably high.

* Until the end of July 2020, the annual maximum amount is 446,400 yen for households in which all individuals make copayments of 10%.

Category 2 insured persons may receive these benefits subject to certain conditions

Category 2 insured persons (persons aged between 40 and 64) may receive services under long-term care insurance only if they require long-term care for age-related conditions (specified diseases and disorders). Such persons cannot receive benefits under long-term care insurance in cases where he or she requires long-term care for a condition resulting from a traffic accident.

Specified diseases and disorders for which Category 2 insured persons may receive such services

(1)

Pre-acknowledge syndrome (senile dementia)

(2)

Cerebrovascular disease

(3)

Amyotrophic lateral sclerosis (ALS, or Lou Gehrig's Disease)

(4)

Parkinson's disease-related conditions

(5)

Spinocerebellar degeneration

(6)

Multiple system atrophy

(7)

Diabetic nephropathy, diabetic retinopathy, diabetic neuropathy

(8)

Arteriosclerosis obliterans

(9)

Chronic obstructive pulmonary disease

(10)

Degenerative joint disease with pronounced deformation of both knee or hip joints

(11)

Rheumatoid arthritis

(12)

Ossification of posterior longitudinal ligament

(13)

Stenochoria of the spinal canal

(14)

Fractures due to osteoporosis

(15)

Progeria (Werner syndrome)

(16)

Terminal cancer