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Bureau of Labor Insurance, Ministry of Labor Brief Introduction
① Ordinary Injury or Sickness Benefits insured seniority prior to January 1, 2009,
The benefits of ordinary injury or sickness may also choose to file for the lump-sum
for inpatient hospitalization will be payable benefits payout.
at the rate of 50% of the average monthly ※Payment Standards:
insurance salary of an insured person for A.It is calculated by averaging the actual
a maximum period of 6 months. When an monthly insurance salary 6 months before
insured person has at least one full year of the month when the insurance accident
insurance coverage prior to the occurrence occurred to the insured person (which is
of injury or sickness, such benefits shall be the date the insured person is diagnosed
payable for an additional 6 months. as permanently disabled); the average
② Occupational Injury or Disease Benefits daily insurance salary is calculated by
The benefits of occupational injury or dividing the average monthly insurance
diseases for inpatient hospitalization and salary by 30.
outpatient medical care will be payable B.There are fifteen levels defined for
at the rate of 70% of the insured person's disability classification. The highest is
average monthly insurance salary. In case Level 1, in which the insured are paid up
an insured person has not recovered from to 1,200 days; the lowest is Level 15, in
injury or diseases after one full year and which the insured get paid for 30 days. An
been unable to work, the benefits shall insured person will be paid an additional
be reduced to 50% of average monthly 50% of the original lump-sum payment if
insurance salary for a maximum period of 1 the disability is caused by occupational
year. injury or sickness. The highest level is
Level 1, in which the insured are paid up
(3)Permanent Disability Benefits
to 1,800 days; the lowest level is Level
An insured person suffers from injury or 15, in which the insured get paid for 45
sickness and the person's condition is stable days.
after medical treatment but no improvement ② Disability Pension
could be expected for further treatment, An insured person who meets the
and if the insured person is diagnosed to be “permanent inability to work” requirement
permanently disabled by the national health under the “Disability Conditions” column of
insurance specially contracted hospitals and the Disability Benefit Payment Schedule,
the disability comply with the disability benefit for a total of 20 items; or an insured person
standard regulation, the insured person could needs to be assessed with a disability level
claim permanent disability benefits. conforming to levels 1 to 7, and has also
① Lump-Sum Disability Benefits undergone the individualized professional
The benefits are available to an insured assessment to suffer loss of working
person whose disability conditions capability by 70% or more, and who also
conforming to the criteria stipulations can no longer return to the workplace, may
of disability benefits payout, but not yet file to collect the disability pension payout.
reaching the “permanent inability to work” ※Payment Standards:
payout item (a total of 201 disability items); A. Average monthly insurance salary x
or an insured person whose disability coverage years x 1.55 %( minimum
conditions confirming to the “permanent guarantee of NT$4,000)
inability to work” payout item, and also has ♦Average monthly insurance salary is
Chapter Two Profile of Labor Insurance and Labor Protection Programs 11
