• Last updated:2024-01-02

【Introduction】

     Insurance benefits for labor insurance include maternity benefits, injury or sickness benefits, permanent disability benefits, old-age benefits, and survivor benefits. It offers suitable living security to the insured person or beneficiary in the event an accident occurs.

【Maternity benefits】

1. Qualifications: Childbirth occurring more than 280 days after her insurance coverage or premature labor occurring more than 181 days after her insurance coverage.
2. Benefit payment: Starting on the month of childbirth or premature labor of an insured person, a lump sum payment of maternity benefit shall be made equivalent to 60 days' salaries computed on the basis of the average monthly insurance salary of the insured person for the past six months. In case of a plural birth resulting from childbirth or premature labor, maternity benefit shall be increased proportionately.

【Injury or sickness benefits】

1. Qualifications: In case an insured person is not receiving salary payment on account of an injury or sickness for which he is hospitalized and under medical treatment, he shall be paid injury or sickness benefits beginning from the fourth day on which he is incapacitated for work.
2. Benefit payment: Injury or sickness benefits shall be payable at the rate of fifty percent of the average monthly insurance salary of an insured person, and payable once every half month for the maximum period of six months, provided that such benefits shall be payable for an additional six months in case the insured person has at least one full year of insurance coverage prior to the occurrence of the injury or sickness.

【Permanent disability benefits】

     Payment of permanent disability benefits can be made out in a lump sum payment or pension.

1. Permanent disability benefit lump sum payment
   (1) Qualifications
   A. In case an insured person suffers from injury or sickness and the person's condition is stable after medical treatment but no improvement could be expected for further treatment, and if the person is diagnosed to be permanently disabled by a qualified hospital and the disability comply with the disability benefit standard regulation, but does not reach the standard for permanently being unable to work, the insured person could claim a lump sum payment of the disability benefit.
   B. In case an insured person's disability reaches the standard for being no capability to work permanently, and the insured person has insurance coverage before January 1st, 2009, the insured person could choose to claim a disability pension or lump sum disability payment.
   (2) Benefit payment
   A. A lump sum disability benefit will be paid to the insured person based on the degree of disability according to the "Labor Insurance Permanent Disability Benefit Criteria" and its attachment "Labor Insurance Disability Benefit Payment Schedule".  The lump sum disability benefit shall not exceed 1,200 days or be lowest of 30 days. The average monthly insurance salary shall be calculated based on the monthly insurance salary for the six months prior to the month the insured person is diagnosed to be permanently disabled.
   B. Please refer to attachment of "Labor Insurance Disability Benefit Payment Schedule ".
   
   
2. Permanent disability pension
   In case an insured person suffers from injury or sickness and the person's condition is stable after medical treatment but no improvement could be expected for further treatment, and if the person is diagnosed to be permanently disabled by a qualified hospital and the disability complies with the disability benefit standard regulation or the People with Disabilities Rights Protection Act, and is examined as no capability to work permanently, the insured person could claim disability pension benefit. Please see the theme of Pensions for an introduction to disability pension.  For more information on permanent disability pension, please see the theme of Pensions.

【Old-age benefits】

     Payment of old age benefit can be made out as a lump sum payment, onetime payment, and old-age pension.

1. Lump sum payment of old-age benefit
   (1) Qualifications: Insured person who is at least 60 years of age and insurance coverage has not reached 15 years, and was discharged from labor insurance. The required age will be raised to 61 years old in 2018, and will be raised by one year for every two years until the limit reaches 65(2026) years of age.
   (2) Average monthly insurance salary: It is calculated by averaging the highest sixty monthly insurance salary during the period of joining insurance coverage.
   (3) Benefit payment: One month of average monthly insurance salary will be issued for every full year of insurance coverage. In case an insured person continues to work after attaining sixty years of age, his/her insurance coverage above that age shall not exceed five years.
   
   
2. Onetime payment of old-age benefit
   (1) Qualifications: Insured persons with insurance coverage before the labor insurance pension system took effect on January 1st, 2009 may choose to claim onetime payment of old age benefit under any one of the following regulations. However, if the insurer has approved the onetime payment, it could not be changed anymore.
   A. An insured person at least sixty years of age or a female insured person at least fifty-five years of age who has been insured for at least one year and resigns;
   B. An insured person whose insurance coverage reached over fifteen, who is at least fifty-five years of age and resigns;
   C. An insured person who has been insured in the same insured unit for over twenty-five year and resigns;
   D. An insured person whose insurance coverage reached over twenty-five years, who is at least fifty years of age and resigns;
   E. An insured person who has been employed for more than five year in physical hard labor, work of special character and who is at least fifty-five years of age and resigns.
   (2) Average monthly insurance salary: It is calculated by averaging the monthly insurance salary of the previous three years prior to the month that the insured person resigned.
   (3) Benefit payment: One month of average monthly insurance salary will be issued for every full year of insurance coverage; in case the insured person's insurance coverage year exceeds fifteen years, the insured person shall receive two months of average monthly insurance salary for each one of the excess years, provided that the maximum amount of old-age benefits payment shall not exceed forty-five months of average monthly insurance salary. 
   In case an insured person continues to work after attaining sixty years of age, his/her insurance coverage above that age shall not exceed five years. The maximum benefit payment amount shall not exceed fifty month's insurance salaries including the old-age benefits receivable before he/she attained sixty years of age.
   
   
3. Old-age pension: Insured person who is at least 60 years of age and has labor insurance coverage year reached over fifteen, and was discharged from labor insurance. The required age will be raised to 61 years old in 2018, and will be raised by one year for every two years until the limit reaches 65(2026) years of age. For more information on old age pension, please see the theme of Pensions.

【Survivor benefits】

     Survivor benefits are divided into two types, when a family member deceased and when the insured person becomes deceased. Survivor benefits when the insured person becomes deceased include funeral grant, survivor's allowance, and survivor's pension.

1. Survivor's benefit when a family member becomes deceased
   (1) Qualifications: In the event an insured person's parent, spouse or child becomes deceased during the effective period of the insurance, the insured person may claim a funeral grant.
   (2) Benefit payment: A lump sum payment based on the average monthly insurance salary of the six months prior to the month the insured person's family member becomes deceased:
   A. In the event an insured person's parent or spouse becomes deceased, three-months' salaries on the basis of his average monthly insurance salary.
   B. In the event an insured person's child that at least twelve years of age becomes deceased, two-and-a-half months' salaries, on the basis of his average monthly insurance salary.
   C. In the event an insured person's child less than twelve years of age becomes deceased, one-and-a-half months' salaries on the basis of his average monthly insurance salary.
   
   
2. Survivor's benefit when the insured person becomes deceased
   (1) Funeral grant
   A. Qualifications: In the event an insured person becomes deceased during the effective period of the insurance, the person who paid for funeral expenses may claim a funeral grant.
   B. Benefit payment: Five-months survivors' benefits shall be payable in one lump sum on the basis of insured person's average monthly insurance salary. If his/her survivors do not qualify to claim Survivors' pension benefit or survivors' allowance or the insured doesn't have any living survivor, a ten-months survivors' benefit shall be payable in one lump sum on the basis of insured person's average monthly insurance salary.
   
   (2) Survivors' allowance
   A. Qualifications: In the event an insured person who had insurance coverage before January 1st, 2009 becomes deceased during the insurance effective period, the insured person's spouse, child, parents, grandparents, dependent grandchildren, brother(s) or sister(s) could choose to claim a survivor's allowance instead of survivor's pension.
   B. Survivor's allowance is payable to entitled survivor's in the following order: (1) spouse, son and/or daughter, (2) father and/or mother, (3) grandfather and/or grandmother, (4) grandson and/or granddaughter, (5) brother(s) and/or sister(s).
   C. Benefit payment: A lump sum calculated based on the insured person's average monthly insurance salary in the 6 months prior to the insured person's death:
   　(A) Ten-months survivors' benefits shall be payable in one lump sum on the basis of the insured person's average monthly insurance salary in case his/her insurance coverage is less than one full year;
   　(B) Twenty-months survivors' benefits shall be payable in one lump sum on the basis of the insured person's average monthly insurance salary in case his/her insurance coverage is at least one full year but less than two full years; or
   　(C) Thirty-months survivors' benefits shall be payable in one lump sum on the basis of the insured person's average monthly insurance salary in case his/her insurance coverage is at least two full years.
   
   (3) Survivor's pension: In the event an insured person becomes deceased during the insurance effective period, or while collecting disability pension or old-age pension, or already had at least fifteen years of insurance coverage and conforms to the regulations defined in second paragraph of article 58, and became deceased before claiming old-age benefit, entitled survivors may claim survivor's pension. Please see the labor theme of Pensions for more information on survivor's pension.

• Source:Department of Labor Insurance
• Publication Date:2015-04-20
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