Q7. What are the differences between the protection of benefits for the Labor Occupational Accident Insurance and that under the existing provisions?
- Last updated:2022-06-14
Under the Labor Occupational Accident Insurance, five types of benefits for medical treatment, injury/illness, disability, death, and disappearance are provided. The following is a table of comparisons between the scope of their protection and the existing provisions of the Labor Insurance Act:
|
The new Act |
Existing provisions |
Benefits for medical treatment |
Besides payment according to the criteria of the NHI benefits, protection is also provided for any difference paid out of pocket for special materials covered by the NHI. |
The costs of diagnosis and treatment are covered according to the criteria of the NHI benefits. |
Benefits for injury/illness |
For the first two months, such benefits will be paid based on 100% of the average monthly insured salary, and from the third month based on 70% of the average monthly insured salary, for a total period no longer than two years. |
For the first year, such benefits will be paid based on 70% of the average monthly insured salary, and for the second year based on 50% of the average monthly insured salary, for a total period no longer than two years. |
Annuity for disability |
Depending on the level of disability, the annuity will be paid based on a certain percentage of the average monthly insured salary (70% for full disability, 50% for severe disability, and 20% for partial disability). |
The annuity requires an assessment of whether the insured person is permanently unable to work, and will be calculated based on his/her average monthly insured salary*his/her length of service*1.55%, with an additional lump-sum payment of compensation for 20 months. |
Annuity for a surviving family member |
If an insured person has died during the insurance period, such annuity will be paid based on 50% of his/her average monthly insured salary. If a surviving family member fails to meet the criteria for such annuity, a lump-sum payment will be made to him/her. |
If an insured person has died during the insurance period, such annuity will be calculated based on his/her average monthly insured salary*his/her length of service*1.55%, with an additional lump-sum payment of compensation for 10 months. |
- Source:Department of Labor Insurance
- Publication Date:2022-06-14
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