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claimed more vulnerable to inflation or unwise labor insurance coverage years.
investments. Furthermore, according to the
statistics of the Ministry of Interior, in 2007 4. Adopt the “60-month maximum”
people live on an average of about 22 years Calculation Method
after they turn 60; it is estimated that the Pension payments are calculated by averaging
average life expectancy will go up to 89 years the highest 60 monthly insurance salaries,
of age by 2056. In 2007, the average age of which is beneficial for senior citizens or women
insured persons claiming old-age benefits in a returning to workplaces who are facing reduced
lump sum was 57.76 and only a little more than incomes.
NT$1.07 million was paid per case on average,
which was not enough for old employees 5. Defined Payment System
and their dependents to live on. The labor It has the advantages of reallocating incomes
insurance pension program implemented on as well as reducing the effects of inflation.
January 1, 2009 adopts a defined payment
system, which will also be adjusted according Sustainability of the Pension
to the Consumer Price Index, resulting in more
comprehensive protection for Taiwan's senior System
laborers. The features of the labor insurance
pension program are as follows : Taiwan has evolved into an aging society
since 1993. Beginning in 2002, the birth
1. Wide Range of Options rate in Taiwan has consecutively been one
of the lowest in the world. The government
With the merging implementation of the administration has already established
pension and lump-sum payment, if laborers relevant adjustment mechanisms at the time
have insurance coverage years before the of formulating the national pension program
implementation of the pension program, they and labor insurance pension program to
and their dependents can opt for either pension address the issues of aging and low birth rate,
or lump-sum payment when claiming disability, so as to avoid major financial instabilities of
old-age or survivor benefits. the insurance programs and to ensure the
2. Comprehensive Protection sustainability of our pension systems.
When an insured person turns old, disabled, or 1. Gradually Progressive Rate
dies, he/she and his/her dependents can claim Adjustment Mechanism
relevant pension benefits. Sound finance is the foundation for sustainable
3. Connection between Labor Insurance development of a pension program. In the
Pension and National Pension past, our country's social insurance premium
rate bordered on the low end. To ensure
Insured persons who have participated in the the sustainable development of the national
labor insurance program for less than 15 years, pension and labor pension programs, as well
but reached 15 years after the national pension as to protect the interests of the insured, these
coverage years are added, are also eligible to two pension programs have adopted a gradual
claim labor insurance pension benefits for their and progressive rate adjustment mechanism.
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