Page 13 - BLI-Brief Introduction

Chapter Two - Profile of Labor Insurance and Labor Protection Programs
person whose disability conditions
conforming to the criteria stipulations of
labor insurance disability benefits payout,
but not yet reaching the “permanent inability
to work” payout item (a total of 201 disability
items); or an insured person whose disability
conditions conforming to the “permanent
inability to work” payout item, and also has
insured seniority prior to January 1, 2009
when labor insurance disability pension was
implemented , may also choose to file for the
lump-sum benefits payout.
※Payment Standards:
(1) It is calculated by averaging the actual
monthly insurance salary 6 months
prior to the date the insured person
is diagnosed as permanently disable;
the average daily insurance salary
is calculated by dividing the average (4)Old-Age Benefits
monthly insurance salary by 30.
1. Old-Age Pension Benefits
(2) There are fifteen levels defined for
disability classification. The highest is
Level 1, in which the insured are paid up
to 1,200 days; the lowest is Level 15, in
which the insured get paid for 30 days.
2. Disability Pension
An insured person who meets the
“permanent inability to work” requirement
under the “Disability Conditions” column
of the Labor Insurance Disability Benefit
Payment Schedule, for a total of 20 items; or
an insured person needs to be assessed with
a disability level conforming to levels 1 to 7,
and has also undergone the individualized
professional assessment to suffer loss of
working capability by 70% or more, and who
also can no longer return to the workplace:
※ Disability Pension Payment
Standards:
(1) Average monthly insurance salary x
coverage years x 1.55 % (minimum
Service‧Convenience‧Efficiency‧Innovation
guarantee of NT$4,000)
*Average monthly insurance salary is
calculated by averaging the highest 60
months of insurance salary during the
insurance coverage years.
(2) Additional dependent allowances: For
those who have a spouse or children
who meet the qualification, 25% of the
disability pension shall be granted for
each dependent, a maximum 50% will
be granted.
(3) Insured persons who have a record of
national pension insurance coverage
may choose to claim disability pension
payments on a combined basis in
accordance with the regulations of the
national pension insurance program.
The insured person could claim for old-age
pension benefits if he/she meets one of the
following conditions:
(1) An insured person whose insurance
coverage reached over 15 years, and
who is at least 60 years of age and has
resigned from work and withdrawn from
insurance coverage (The age limit for
claiming will be increased gradually and
it was raised to 61 in 2018. Then the
limit will be raised by one year for every
two years until the limit reaches 65
years of age in 2026).
(2) An insured person who has worked in
dangerous, physical hard labor, or work
of special character (certified by the
central competent authority) for more
than 15 years, and who is at least 55
years of age and has resigned from
work and withdrawn from insurance
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