もらえるお金（給付金・補助金）　　Money Available (Benefits and Subsidies)

➀自然災害で全壊・大規模半壊等の被害を受けた世帯に対して、支援金が支給されます。（被災者生活再建支援金）
　基礎支援金：全壊など → 100万円、大規模半壊 → 50万円
　加算支援金（建設・購入・補修・賃借に応じ）：200万円／100万円／50万円
　 合計で最大300万円（単身は3/4）。
②災害により死亡または重度の障害を負った方またはご遺族に、市町村条例に基づき（死亡：最大500万円／250万円、障害：最大250万円／125万円）支給されます。（災害弔慰金・災害障害見舞金）

③災害で住宅が半壊し、修理が必要な世帯に対して、市町村が業者を手配し、最大約57.4万円まで応急的な修理を実。（住宅応急修理）

➀ Support funds are provided to households that have suffered total or major damage due to natural disasters. (Disaster Victim Life Reconstruction Support Fund) 

Basic Support: Total destruction, etc. → 1 million yen; Major destruction → 500,000 yen Additional Support (for construction, purchase, repair, or rent): 2 million yen / 1 million yen / 500,000 yen Total up to 3 million yen (3/4 for singles). 

② Payments are made in accordance with municipal ordinances to those who died or suffered severe disabilities as a result of the disaster, or their surviving family members (Death: up to 5 million yen / 2.5 million yen; Disability: up to 2.5 million yen / 1.25 million yen). (Disaster Condolence Payments/Disaster Disability Consolation Payments)

③ For households whose homes were partially destroyed by a disaster and require repairs, municipalities will arrange for contractors to provide emergency repairs up to approximately 574,000 yen. (Emergency Housing Repairs)

戻ってくるお金（税金の控除・還付）　　Money returned (tax deductions/refunds)

➀災害による住宅・家財への損害が一定額を超える場合、確定申告時に所得控除を受けられます。（雑損控除）

②災害減免法により、一定の条件を満たす場合、所得税などが軽減または免除されます（雑損控除との併用は不可）。（災害による税の減免）
③被災により資産価値が下落した場合、相続税・贈与税の課税価格を被害額だけ低減できる特例措置があります。申告期限の延長等も含まれます。（相続税・贈与税の特例）
➀ If damage to your home or belongings due to a disaster exceeds a certain amount, you can claim an income deduction when filing your tax return. (Miscellaneous Loss Deduction)

② Under the Disaster Relief Act, if certain conditions are met, income tax and other taxes can be reduced or exempted (this cannot be used in conjunction with the miscellaneous loss deduction). (Disaster Tax Reduction and Exemption) 

③ If the value of your assets declines due to a disaster, special measures are available to reduce the taxable value for inheritance and gift taxes by the amount of the damage. This includes extending the filing deadline. (Inheritance and Gift Tax Special Provisions)

減らせるお金（費用負担軽減）　Money saved (reduced cost burden)

➀半壊・半焼・床上浸水などの被害を受けた場合、NHK受信料が一定期間免除される可能性があります。（受信料免除）
②災害の規模や被害の程度に応じて、住民税や固定資産税、国民健康保険料・介護保険料、事業税などの減免措置が適用される場合があります。（その他の税・保険料等の減免）
➀ If your home has suffered damage such as partial destruction, partial burning, or flooding above the floor level, you may be exempt from paying NHK reception fees for a certain period of time. (reception fee exemption). 

② Depending on the scale of the disaster and the extent of the damage, exemptions may be applied for resident tax, fixed asset tax, national health insurance premiums, nursing care insurance premiums, business tax, etc. (exemptions from other taxes, insurance premiums, etc.)

借りられるお金（公的融資・貸付）　　Money you can borrow (public loans and loans)

➀被災世帯に対し、生活再建のために市町村を通じて低利で貸付が行われます。損害内容により上限は約150万〜350万円程度。（災害援護資金）
②被災住宅の修復・再建のため、「住宅金融支援機構」などを通じて低金利の融資が受けられます。融資限度額や返済条件は再建方法に応じて異なります。（災害復興住宅融資）

➀ Low-interest loans are provided to affected households through municipalities to help them rebuild their lives. The maximum amount is approximately 1.5 million to 3.5 million yen depending on the extent of the damage. (Disaster Relief Fund) 

② Low-interest loans are available through organizations such as the Japan Housing Finance Agency to repair and rebuild affected homes. The loan limit and repayment conditions vary depending on the method of reconstruction. (Disaster Reconstruction Housing Loans)

もらえるお金（給付・補助金）　　Money received (benefits and subsidies)

（１）葬儀・埋葬関連　　(1) Funeral and burial-related matters

➀自治体から葬儀の喪主に対し、約3～7万円が支給されることが一般的です 。（葬祭費（国民健康保険・後期高齢者医療制度加入者向け））
②健康保険から埋葬料として上限5万円が給付されます 。（埋葬料・埋葬費（健康保険加入者向け））
③労災保険から葬祭料が給付され、基礎日額＋315,000円または＋60日分の高い方が支給されます。（葬祭料（労災保険対象者））
④自治体により異なりますが、成人で最大約20万円程度、子どもは16万円程度で、負担0円で葬儀が可能です。（葬祭扶助（生活保護受給者対象））

➀ It is common for the local government to pay approximately 30,000 to 70,000 yen to the chief mourner at the funeral. (Funeral expenses (for those enrolled in National Health Insurance and the Medical Care System for the Elderly)) 

② A maximum of 50,000 yen will be paid as burial expenses from health insurance. (Burial fees and burial expenses (for those enrolled in health insurance))

③ Funeral expenses will be paid from workers' compensation insurance, and the higher of the basic daily amount plus 315,000 yen or 60 days' worth will be paid. (Funeral expenses (for those covered by workers' compensation insurance)) 

④ Although it varies depending on the local government, the maximum amount is approximately 200,000 yen for adults and 160,000 yen for children, making it possible to hold a funeral with no out-of-pocket expenses. (Funeral assistance (for those receiving welfare benefits))
（２）墓じまい関連　　（2) Grave closing related matters

➀墓石撤去・改葬にかかる工事費等の一部を自治体が助成。　多くの自治体で上限は約5万～20万円前後。（墓じまい補助金）
※たとえば、ある自治体では行政手続き費用に上限5万円、撤去費用に上限5万円として、最大10万円を支給する例もあります。
②使用しなくなった墓地について前払いの使用料の一部または全額を返還する制度を設ける自治体もあります。（墓地使用料の返還制度）
③遺骨を新しい納骨先に移転する際、手続き費用や改葬費用を支援する自治体もあります 。（改葬支援）

➀ Local governments subsidize part of the construction costs involved in removing gravestones and reburial. In many local governments, the upper limit is around 50,000 to 200,000 yen. (Grave closure subsidy) 

※For example, some local governments provide up to 100,000 yen, with a maximum of 50,000 yen for administrative procedure costs and 50,000 yen for removal costs.

② Some local governments have established a system to refund part or all of the prepaid usage fees for cemeteries that are no longer in use. (Cemetery usage fee refund system)

③ Some local governments support the costs of procedures and reburial when transferring remains to a new interment location. (Reburial support)

戻ってくるお金（税控除・還付）　　Money returned (tax deductions/refunds)

➀現時点では、葬儀や墓じまいに特化した税控除や還付制度の記載は確認されていません。　該当なし
➀ At this time, there are no known tax deductions or refund systems specifically for funerals or grave closings. None

 減らせるお金（税金・費用の軽減）　　Money that can be saved (reduced taxes and expenses)

➀同様に、葬儀または墓じまい関連で税負担を軽減するような制度は確認されていません。　該当なし
➀ Similarly, there are no known systems that reduce tax burdens related to funerals or grave closings. None

借りられるお金（公的融資・貸付）　　Money you can borrow (public loans and loans)

➀葬儀や墓じまいに特化した公的融資・貸付制度は現時点では確認されていません。　該当なし

➀ At present, there are no public loans or lending systems specifically for funerals or grave closings. None

もらえるお金（公的給付など）　　　Money received (public benefits, etc.)
➀65歳以上で、10年以上の納付（または免除）期間があれば老齢基礎年金が受給可能です（満額は年間約79万円程度）。　 一方、厚生年金は給与や加入期間に応じた上乗せ額が支給されます。（老齢基礎年金・老齢厚生年金）

②65歳以上の高齢者や障がい者の年金生活者をする方を生活を支援する給付制度
・ 65歳以上の年金受給世帯で市町村民税非課税の世帯に支給される補足的給付。（老齢年金生活者支援給付金）
・ 障害年金受給者向け等も同様の条件で給付されます。（障害年金生活者支援給付金）

➀ If you are 65 or older and have paid (or been exempted from) contributions for 10 years or more, you are eligible for the Basic Old-Age Pension. (the full amount is approximately 790,000 yen per year). 

On the other hand, the Employees' Pension Insurance provides additional benefits based on your salary and length of contributions. (Basic Old-Age Pension and Employees' Old-Age Pension)

② Benefit systems to support the lives of elderly people aged 65 or older and those living with disabilities. - Supplementary benefits provided to pension-receiving households aged 65 or older that are exempt from municipal taxes. (Old-Age Pension Recipient Support Benefit) - Disability pension recipients, etc., are also provided under the same conditions. (Disability Pension Recipient Support Benefit)

戻ってくるお金（税の控除・還付）　　Money returned (tax deductions/refunds)

➀年金収入には所得税上、一定額の控除（年齢・収入に応じた「公的年金等控除」）が適用されます。（公的年金等控除）
②年金受給者が扶養親族などを持つ場合、配偶者控除・扶養控除・障害者控除などが適用され、税額が軽くなります。（人的控除（扶養・配偶者など））
③年金受給時に適用される基礎控除が、2025年分から増額されました（65歳以上は月額支払額×25%＋100,000円☆最低165,000円）。（源泉徴収の基礎控除）

➀ A certain amount of deduction (public pension deduction according to age and income) is applied to pension income for income tax purposes. (Public pension deduction) 

② If a pension recipient has dependents, spouse deduction, dependent deduction, disability deduction, etc. are applied, reducing the amount of tax. (Personal deduction (dependents, spouse, etc.)) 

③ The basic deduction applied when receiving a pension has been increased from 2025 (for those 65 years of age and older, monthly payment amount x 25% + 100,000 yen ☆ minimum 165,000 yen). (Basic deduction for withholding tax)

減らせるお金（税金・保険料負担などの軽減）　　Money saved (reduction in taxes, insurance premiums, etc.)

➀年齢や扶養対象によっては控除額が上乗せされ、所得税や住民税の負担が減ります。（高齢者向けの扶養控除の拡大）
②これらの年金は雑所得の課税対象外であり、課税所得が増えず節税になります。（障害年金・遺族年金が非課税）

➀ Depending on age and dependents, deduction amounts are added, reducing the burden of income tax and local taxes. (Expansion of dependent deductions for the elderly) 

② These pensions are not subject to taxation as miscellaneous income, so taxable income does not increase and you can save on taxes. (Disability pensions and survivor pensions are tax-exempt)

借りられるお金（融資・貸付）　Money you can borrow (loans and loans)

➀ 高齢者・低所得者・障がい者向けに、連帯保証人ありだと無利子、なしでも年1.5%と低金利で借りられる公的融資制度があります。（生活福祉資金貸付制度）

②ゆうちょ銀行の貯金担保貸付や、信用金庫が提供する「年金受給者向け無担保ローン（例：10～100万円、金利約5.5%）」なども利用可能です。（金融機関の年金受給者向けローン）

➀ There is a public loan system for seniors, low-income earners, and people with disabilities that offers interest-free loans with a cosigner, and low interest rates of 1.5% per year even without a cosigner (Living Welfare Fund Loan System).

② Other options include savings-backed loans from Japan Post Bank and unsecured loans for pensioners offered by Shinkin banks (e.g., 100,000–1,000,000 yen, interest rate approximately 5.5%). (Financial institution loans for pensioners)