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Bureau of Labor Insurance, Ministry of Labor Brief Introduction
by the insurance after the beginning and before insured person surrenders the policy. For those
the end of the effective period of the insurance, who participants insured for less than 3 years, it
an insured person or his/her beneficiaries may would be calculated using the average monthly
claim insurance benefits payment pursuant to insurance salary for the actual insurance period.
the provisions of this Act. 3.Other Cash Payment:
2.Article 20 of Labor Insurance Act: It is calculated by dividing the insured persons'
(1)For within 1 year after the insurance policy total monthly insurance salary in the most
has been terminated, an insured person current 6 months prior to the insurance incident
shall remain entitled to injury or sickness occurs.
benefits, permanent disability benefits, (1)Maternity Benefits
survivor benefits or occupational accident A female insured person who has childbirth
medical benefits for the injury or sickness occurring more than 280 days or has
and the diseases it causes occurring during premature labor occurring more than 181
the effective period of the insurance policy.
days after joining the labor insurance program
(2) For within 1 year after the insurance policy is entitled to claim a 60-day lump-sum
has been terminated, an insured person payment based upon the 6 months average
who is pregnant during the period of her of insurance salary before the delivery or
insurance policy, and conforms to the premature delivery date. In case of a plural
provisions of coverage days stipulated in birth resulting from childbirth or premature
the 1st or 2nd subparagraph of the 1st labor, the payment shall be increased
paragraph of Article 31 of the Act, shall be proportionately. For those insured persons
entitled to maternity benefits for childbirth or who are also eligible for maternity benefits
premature delivery due to the pregnancy. under related social insurance programs, or
for military, civil and educational personnel
[ Calculation of cash benefits payment ]
who also qualify for national maternity
The benefits payment which is issued by cash allowances, they have to choose one type of
is calculated pursuant to the insured person's maternity benefits or allowances only.
average monthly insurance salary and benefit (2)Injury or Sickness Benefits
payment standards. The average monthly
insurance salary is calculated below : In case an insured person does not receive
original salary payment due to injury or
1.Pension Benefits and Lump-Sum Old-Age sickness for which he/she is under medical
Benefits: treatment, he/she is entitled to claim injury or
It is calculated by averaging the highest 60 sickness benefits from the fourth day when
months insurance salary during the coverage he/she is unable to work full day. Injury or
duration of the insured person. For those who sickness benefits include ordinary injury or
participants insured for less than 5 years, it sickness benefits (only claimable during
would be calculated using the average monthly the period of inpatient hospitalization) and
insurance salary for the actual insurance occupational injury or disease benefits (can
period.
be claimed during the period of inpatient
2.One-Time Old-Age Benefits: hospitalization as well as outpatient medical
It is calculated by the average of the monthly care. The benefit, however, shall not cover
insurance salary of the insured person during the period when the insured person is not
the 3 years prior to the month in which the receiving any treatment).
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