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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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