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permanent disability, old-age and survivor 1.Pension Benefits and Lump-Sum Old-Age
benefits. The occupational accident insurance
consists of injury or sickness, permanent
disability and survivor benefits, plus medical
benefits. Besides, the labor insurance pension
program was launched on January 1, 2009.
[ Qualification ]
1.Article 19 of Labor Insurance Act:
Upon the occurrence of a contingency
covered by the insurance after the beginning
and before the end of the effective period of
the insurance, an insured person or his/her
beneficiaries may claim insurance benefits
payment pursuant to the provisions of this
Act.
2.Article 20 of Labor Insurance Act:
(1)For within 1 year after the insurance policy
has been terminated, an insured person
shall remain entitled to injury or sickness
benefits, permanent disability benefits,
survivor benefits or occupational accident
medical benefits for the injury or sickness
and the diseases it causes occurring
during the effective period of the insurance
policy.
(2) For within 1 year after the insurance policy
has been terminated, an insured person
who is pregnant during the period of her
insurance policy, and conforms to the
provisions of coverage days stipulated
in the 1st or 2nd subparagraph of the
1st paragraph of Article 31 of the Act,
shall be entitled to maternity benefits for
childbirth or premature delivery due to the
pregnancy.
[ Calculation of cash benefits payment ]
The benefits payment which is issued by cash
is calculated pursuant to the insured person's
average monthly insurance salary and benefit
payment standards. The average monthly
insurance salary is calculated below :
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Benefits:
It is calculated by averaging the highest 60
months insurance salary during the coverage
duration of the insured person. For those who
joining the insurance for less than 5 years,
it would be calculated using the average
monthly insurance salary for the actual
insurance period.
2.One-Time Old-Age Benefits:
It is calculated by averaging the actual
monthly insurance salary of the previous
3 years prior to the month the insured
terminates the insurance. For those who
joining the insurance for less than 3 years,
it would be calculated using the average
monthly insurance salary for the actual
insurance period.
3.Other Cash Payment:
It is computed on the basis of average
monthly insurance salary for the last 6
months prior to the month in which the
insured contingency occurs.
(1)Maternity Benefits
A female insured person who has childbirth
occurring more than 280 days or has
premature delivery occurring more than
181 days after joining the labor insurance
program is entitled to claim a 60-day lump-
sum payment based upon the 6 months
average of insurance salary before the
delivery or premature delivery date. In case
of a plural birth resulting from childbirth
or premature labor, the payment shall
be increased proportionately. For those
insured persons who are also eligible for
maternity benefits under related social
insurance programs, or for military, civil and
educational personnel who also qualify for
national maternity allowances, they have
to choose one type of maternity benefits or
allowances only.