VIENID Start practicing

Home › Lessons › National Exam for Certified Care Workers 介護福祉士

Understanding Society

National Exam for Certified Care Workers 介護福祉士 · 介護福祉士国家試験(筆記) · Written by Tokutei Pass based on the official study texts; not copied verbatim.

Four Pillars of Social Security and Five Social Insurance Systems

Japan's social security system is founded on the right to life guaranteed by Article 25 of the Constitution of Japan, aiming to stabilize national living standards and improve social welfare.

The social security system consists of four pillars: Social Insurance, Social Welfare, Public Assistance, and Public Health and Medical Care.

Social insurance is a poverty-prevention mechanism funded primarily by insurance premiums and comprises five types: Medical Insurance, Pension Insurance, Employment Insurance, Workers' Accident Compensation Insurance, and Long-Term Care Insurance.

Among these, medical, pension, and long-term care insurance operate under universal coverage regardless of occupation or region, whereas employment and workers' compensation insurance are labor insurance schemes covering workers.

Amid a declining birthrate and aging population, social security benefit expenditures are tallied across three categories (Pensions, Medical Care, and Welfare & Others), making intergenerational support and sustainable system management vital issues.

Care workers are expected not merely to memorize social security mechanisms as abstract knowledge, but to connect the daily life challenges of users in front of them to appropriate institutional utilization.

Key points


  • The 4 pillars of social security are Social Insurance, Social Welfare, Public Assistance, and Public Health

  • The 5 social insurances are Medical, Pension, Employment, Workers' Compensation, and Long-Term Care

  • Social security benefit expenditures are grouped into 3 sectors: Pensions, Medical Care, and Welfare & Others
WordMeaning
Social security system
Social insurance
Public assistance
Universal health insurance coverage

Insurers, Insured Persons, and Certification of Long-Term Care Need

Under the Long-Term Care Insurance Act enforced in April 2000, the insurers are municipalities and special wards, and insured persons are divided into Category 1 (aged 65 and over) and Category 2 (medical insurance enrollees aged 40 to under 65).

Category 1 insured persons can receive benefits regardless of the cause when requiring care or support, whereas Category 2 insured persons are eligible only when their condition is caused by one of 16 specified age-related diseases such as terminal cancer or early-onset dementia.

To use services, an applicant applies to the municipality for certification; a computer-based primary determination is then conducted based on the certification survey (74 basic items and special notes) and the attending physician's written opinion.

Next, the Long-Term Care Certification Review Board—composed of experts in health, medical care, and welfare—conducts a secondary determination, and the municipality notifies the applicant of the result (Non-eligible, Support Levels 1–2, Care Levels 1–5) in principle within 30 days of application.

The validity period of certification is in principle 6 months (3–12 months) for new applications and 12 months for renewals, but renewal periods for stable individuals can be extended up to a maximum of 48 months (4 years).

Furthermore, because certification takes effect retroactively from the date of application, in urgent cases a provisional care plan can be created so that services can begin even before the certification result is issued.

Insurers, Insured Persons, and Certification of Long-Term Care Need

Key points


  • Insurers are municipalities/special wards; Category 2 requires one of the 16 specified diseases

  • Certification results are notified by the municipality in principle within 30 days of application

  • Validity period: 6 months in principle for new applications, 12 months for renewals (extendable up to 48 months)
WordMeaning
Category 1 insured person (aged 65+)
Specified age-related diseases (16 diseases)
Attending physician's written opinion
Long-Term Care Certification Review Board

Financial Structure, Co-payments, and Benefit Limits in Long-Term Care Insurance

Long-term care insurance benefit costs (excluding user co-payments) are funded 50% by public funds and 50% by insurance premiums; the public funds consist of 25% national government (including a 5% adjustment grant), 12.5% prefectures, and 12.5% municipalities.

The current share of the 50% premium portion is 23% for Category 1 insured persons and 27% for Category 2 insured persons; Category 1 premiums are collected by municipalities via pension deduction (special collection) or payment slips (ordinary collection).

The user co-payment rate is 10% in principle, but users aged 65 and over with income above certain thresholds pay 20% (total income of 1.6 million yen or more, etc.) or 30% (total income of 2.2 million yen or more, etc.).

When total monthly co-payments exceed the income-based cap (up to a maximum of 140,100 yen/month for the highest active-worker income bracket), the excess amount is reimbursed upon application as High-Cost Long-Term Care Service Benefits.

Additionally, the benefit limit for the purchase of specified welfare equipment is 100,000 yen per fiscal year, and the limit for home renovation expenses is in principle 200,000 yen per residence (re-eligible if the care level increases by 3 or more levels or upon moving).

For low-income facility residents and short-stay users, the Supplementary Benefit (Specific Facility Resident Care Service Benefit) is also available upon application to reduce out-of-pocket meal and accommodation costs.

Key points


  • Funding: 50% public funds (National 25%, Prefecture 12.5%, Municipality 12.5%) and 50% premiums (Cat 1: 23%, Cat 2: 27%)

  • User co-payment is 10% in principle (20% or 30% depending on income); high-cost cap up to 140,100 yen/month

  • Specified welfare equipment purchase limit is 100,000 yen/year; home renovation limit is 200,000 yen in principle
WordMeaning
Special collection (pension deduction)
High-Cost Long-Term Care Service Benefit
Sales of specified welfare equipment
Home renovation expenses

Long-Term Care Service System and Key Points of the 2024–2026 Revisions

Long-term care insurance services are broadly divided into in-home services, community-based services, facility services, in-home care support, and preventive care support, with Care Managers formulating care plans.

There are three types of long-term care insurance facilities: Intensive Care Homes for the Elderly (Tokuyo: new admission in principle requires Care Level 3 or higher), Long-Term Care Health Facilities (Roken: focused on rehabilitation and returning home), and Long-Term Care Medical Facilities (Kaigo Iryoin: long-term medical care plus living quarters).

Community-based services are in principle available only to residents of that municipality and include Dementia Group Homes (for Support Level 2 and Care Levels 1–5), Small-Scale Multifunctional In-Home Care, and Nursing Small-Scale Multifunctional In-Home Care.

From April 2024, transitional periods ended, making it fully mandatory for all care service providers to formulate Business Continuity Plans (BCPs) for infectious diseases and disasters, and to hold committees, establish guidelines, and conduct training for elder abuse prevention.

Furthermore, the FY2024 care fee revision unified the three previous treatment improvement additions into the Care Staff Treatment Improvement Addition, promoted the Scientific Long-Term Care Information System (LIFE), and introduced the Productivity Improvement Promotion System Addition.

In addition, Community General Support Centers are staffed with Public Health Nurses, Certified Social Workers, and Chief Care Managers, serving as the core hub for comprehensive consultation, rights advocacy, and continuous care management support.

Key points


  • New admission to Tokuyo requires Care Level 3+ in principle; Group Homes cover Support Level 2 and above

  • From April 2024, BCP formulation and elder abuse prevention measures became mandatory for all providers

  • Unification into the Care Staff Treatment Improvement Addition, promotion of LIFE, and the Productivity Improvement Addition
WordMeaning
Long-Term Care Medical Facility
Community-based services
Business Continuity Plan (BCP)
Care Staff Treatment Improvement Addition

Comprehensive Support for Persons with Disabilities Act and New Employment Choice Support (Oct 2025)

The Act on Comprehensive Support for Persons with Disabilities covers children and adults with physical, intellectual, or mental disabilities (including developmental disabilities) as well as patients with intractable diseases, upholding coexistence in the local community as its basic principle.

Benefits are broadly divided into Independence Support Benefits implemented by municipalities and Community Life Support Projects flexibly conducted by municipalities and prefectures (such as mobility support and communication support).

Within Independence Support Benefits, using Care Benefits (home help, visiting care for persons with severe disabilities, accompaniment support, behavior support, etc.) requires municipal certification of a Disability Support Category (Categories 1–6, with Category 6 being the most severe).

Conversely, Training Benefits (independence training, employment transition support, continuous employment support Type A with an employment contract and Type B without a contract) do not require a Disability Support Category; and in October 2025, Employment Choice Support—which assesses an individual's strengths and aptitude—was newly added to Training Benefits.

When a person with a disability reaches age 65, the Principle of Priority of Long-Term Care Insurance applies, but Symbiotic Services allow continued use at the same facility, and the New High-Cost Disability Welfare Service Benefit reduces long-term care co-payments for low-income individuals who have used disability welfare services long-term.

Through the Service Utilization Plan prepared by a Consultation Support Specialist, finely tailored care management is carried out toward the community life and employment desired by the individual.

Comprehensive Support for Persons with Disabilities Act and New Employment Choice Support (Oct 2025)

Key points


  • Care Benefits require a Disability Support Category (1–6, 6 most severe); Training Benefits do not require a category

  • In October 2025, Employment Choice Support was newly established under Training Benefits

  • At age 65, Long-Term Care Insurance takes priority, while Symbiotic Services and fee reduction schemes ensure continuity
WordMeaning
Act on Comprehensive Support for Persons with Disabilities
Disability Support Category (Levels 1–6)
Employment Choice Support (effective Oct 2025)
Symbiotic Services

Four Fundamental Principles, Four Operational Rules, and Eight Types of Public Assistance

Based on Article 25 of the Constitution, the Public Assistance Act provides assistance to people in financial distress according to their degree of need, guaranteeing a minimum standard of living while promoting self-reliance.

Public assistance has four fundamental principles: the Principle of State Responsibility, the Principle of Non-Discriminatory Equality, the Principle of Guaranteeing a Minimum Standard of Living, and the Principle of Complementarity (prioritizing the use of assets, work ability, and other laws/measures).

It also establishes four operational rules: the Rule of Application-Based Protection (ex-officio protection is allowed in emergencies), the Rule of Standards and Degree, the Rule of Meeting Needs Promptly, and the Rule of the Household Unit (individual units allowed when necessary).

There are eight types of assistance: Livelihood, Education, Housing, Medical, Long-Term Care, Maternity, Occupational, and Funeral Assistance, provided singly or in combination as needed.

Among the eight types, Medical Assistance and Long-Term Care Assistance are provided in principle as benefits in kind, whereas the other six types such as Livelihood and Housing Assistance are provided in principle as cash benefits—a frequently tested distinction.

At Welfare Offices—the implementing agencies for public assistance (mandatory in cities and special wards, optional in towns and villages)—caseworkers qualified as Social Welfare Officers conduct consultations, home visits, and independence support.

Key points


  • 4 Principles: State Responsibility, Non-Discriminatory Equality, Minimum Living Standard, Complementarity

  • 4 Rules: Application-Based, Standards and Degree, Meeting Needs, Household Unit

  • Out of the 8 types of assistance, Medical Assistance and Long-Term Care Assistance are benefits in kind in principle
WordMeaning
Principle of Complementarity
Rule of Meeting Needs
Long-Term Care Assistance
Benefits in kind

Adult Guardianship System and Daily Life Independence Support Project

To protect the rights and property of persons with insufficient decision-making capacity due to dementia, intellectual disability, or mental disability, Japan provides the Adult Guardianship System under the Civil Code and the Daily Life Independence Support Project under the Social Welfare Act.

The Adult Guardianship System consists of Statutory Guardianship and Voluntary Guardianship; Statutory Guardianship is adjudicated by the Family Court in three types according to decision-making capacity: Guardianship (constantly lacking), Curatorship (markedly insufficient), and Assistance (insufficient).

Under Voluntary Guardianship, a person with sufficient capacity concludes a notarized contract with a prospective guardian, which takes effect when the Family Court appoints a Voluntary Guardianship Supervisor after the person's capacity declines.

Adult guardians perform property management and personal protection (legal acts such as concluding care service contracts), but everyday acts such as purchasing daily necessities cannot be rescinded even if performed by the ward themselves.

Meanwhile, the Daily Life Independence Support Project is implemented by prefectural and designated-city Social Welfare Councils, providing contract-based support for welfare service utilization and routine money management to persons with mild dementia who still have capacity to conclude contracts.

Additionally, when an individual has no relatives and rights advocacy is necessary, the Municipal Mayor Petition system allows the municipal mayor to petition the Family Court for the commencement of guardianship.

Key points


  • Statutory Guardianship has 3 types adjudicated by the Family Court: Guardianship, Curatorship, and Assistance

  • Everyday acts such as purchasing daily necessities are exempt from rescission (respecting self-determination)

  • The Daily Life Independence Support Project supports routine money management via a contract with the Social Welfare Council
WordMeaning
Adult Guardianship System
Statutory Guardianship System
Voluntary Guardianship Supervisor
Daily Life Independence Support Project

Elder and Disability Abuse Prevention Acts and Mandatory Reporting

The Elder Abuse Prevention Act classifies abuse against adults aged 65+ into Abuse by Family Caregivers and Abuse by Long-Term Care Facility Staff, while the Disability Abuse Prevention Act defines three categories by adding Abuse by Employers.

All share the same five types of abuse: Physical Abuse, Neglect (abandonment of care), Psychological Abuse, Sexual Abuse, and Financial Abuse.

For elder abuse by family caregivers, immediate reporting to the municipality is mandatory when there is a serious threat to life or body, and an obligation to make efforts to report applies in other cases.

Conversely, when elder abuse by care facility staff or any form of disability abuse (by family caregivers, facility staff, or employers) is discovered, immediate reporting to the municipality (or prefecture) is mandatory regardless of the degree of danger.

Reporting under these laws is a lawful act that does not violate the confidentiality obligations of the Penal Code or the Certified Social Worker and Certified Care Worker Act, and whistleblowers are protected by law from dismissal or other disadvantageous treatment.

Upon receiving a report or notification, the municipality promptly confirms the facts, conducts on-site investigations, and provides temporary protection (emergency institutional placement) alongside consultation and support for family caregivers.

Key points


  • 5 types of abuse: Physical, Neglect, Psychological, Sexual, and Financial Abuse

  • Abuse by facility staff and all disability abuse require mandatory reporting regardless of the level of danger

  • Abuse reporting overrides confidentiality obligations, and disadvantageous treatment of reporters is prohibited
WordMeaning
Elder Abuse Prevention Act
Disability Abuse Prevention Act
Financial abuse
Mandatory reporting obligation

Official references