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<h1>Social Security Programs Throughout the World: Asia and the Pacific, 2008</h1>
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<h1>Taiwan, China</h1>
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<div class="exchangeRate">Exchange rate: <abbr>US</abbr>$1.00 equals 30.40 Taiwan dollars (<abbr class="spell">NT</abbr>$).</div>
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<h2>Old Age, Disability, and Survivors</h2>
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<h3>Regulatory Framework</h3>
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<p><span class="h4">First law:</span> 1950.</p>
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<p><span class="h4">Current law:</span> 1958 (labor insurance), implemented in 1960, with amendments; and 2007 (National Pension Act), implemented in 2008.</p>
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<p><span class="h4">Type of program:</span> Social insurance system.</p>
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<p>Note: The social insurance system involves a flat-rate benefit for citizens under the national pension program and earnings-related benefits under the labor insurance program.</p>
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<p>In 2008, a new National Pension System began for individuals not covered by a public pension system, including the unemployed, the self-employed, non-working spouses, students, and those who work for a company with less than 5 employees.</p>
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<p>As of January 1, 2009, workers covered under the Labor Insurance Program can choose between the existing lump-sum payment or the new monthly annuity. Those covered after January 1, 2009, will only be eligible for the new program.</p>
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<h3>Coverage</h3>
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<p><span class="h4">National pension program:</span> Citizens between ages 25 and 65.</p>
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<p>Exclusions: Persons who are covered or have been covered by other related social insurance programs, including those covered under the labor insurance program, civil servants, military personnel, farmers, and private school staff.</p>
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<p><span class="h4">Labor insurance program:</span> Employees between ages 15 and 60 in firms in industry and commerce, mines, and plantations with five or more workers; wage-earning public-sector employees; public-utility employees; fishermen; and certain self-employed persons in service occupations.</p>
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<p>Voluntary coverage for employees in firms with fewer than five workers, the self-employed (except for those in service occupations with compulsory coverage), employees older than age 60 working in covered employment, and involuntarily unemployed persons with at least 15 years of coverage.</p>
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<p>Special systems for civil servants, farmers, salaried public-sector employees, and private school staff.</p>
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<h3>Source of Funds</h3>
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<h4>Insured person</h4>
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<p><span class="h5">National pension program:</span> A flat rate of <abbr class="spell">NT</abbr>$674 a month (equal to 3.9% of the minimum monthly wage in 2008, rising gradually to 7.2% by 2030).</p>
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<p>Disabled and low-income insured persons pay no contributions, <abbr class="spell">NT</abbr>$337 or <abbr class="spell">NT</abbr>$505, depending on the degree of disability or total family income (equal to 0%, 1.95% and 2.92% of the minimum monthly wage in 2008, rising gradually to 0%, 3.6%, and 5.4% by 2030).</p>
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<p><span class="h5">Labor insurance program:</span> 1.3% of gross monthly earnings (1.5% in 2009, rising gradually to 2.6% by 2030).</p>
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<p>The maximum monthly earnings for contribution calculation purposes are <abbr class="spell">NT</abbr>$43,900. (The monthly earnings for contribution calculation purposes are adjusted according to changes in the minimum wage.)</p>
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<p>The insured's contributions also finance cash sickness and maternity benefits.</p>
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<h4>Self-employed person:</h4>
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<p><span class="h5">National pension program:</span> A flat rate of <abbr class="spell">NT</abbr>$674 a month (equal to 3.9% of the minimum monthly wage in 2008, rising gradually to 7.2% by 2030).</p>
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<p>Disabled and low-income insured persons pay no contributions, <abbr class="spell">NT</abbr>$337 or <abbr class="spell">NT</abbr>$505, depending on the degree of disability or total family income (equal to 0%, 1.95% and 2.92% of the minimum monthly wage in 2008, rising gradually to 0%, 3.6%, and 5.4% by 2030).</p>
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<p><span class="h5">Labor insurance program:</span> 3.9% of gross monthly income (4.5% in 2009, rising gradually to 7.8% by 2030).</p>
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<p>The maximum monthly earnings for contribution calculation purposes are <abbr class="spell">NT</abbr>$43,900. (The monthly earnings for contribution calculation purposes are adjusted according to changes in the minimum wage.)</p>
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<p>The self-employed person's contributions also finance cash sickness and maternity benefits.</p>
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<h4>Employer</h4>
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<p><span class="h5">National pension program:</span> Not applicable.</p>
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<p><span class="h5">Labor insurance program:</span> 4.55% of monthly payroll (5.25% in 2009, rising gradually to 9.1% by 2030).</p>
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<p>The maximum monthly earnings for contribution calculation purposes are <abbr class="spell">NT</abbr>$43,900. (The monthly earnings for contribution calculation purposes are adjusted according to changes in the minimum wage.)</p>
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<p>The employer's contributions also finance cash sickness and maternity benefits.</p>
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<h4>Government</h4>
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<p><span class="h5">National pension program:</span> A flat rate of <abbr class="spell">NT</abbr>$449 a month per insured person (equal to 2.6% of the minimum monthly wage in 2008, rising gradually to 4.8% by 2030). A flat rate of <abbr class="spell">NT</abbr>$1,123, <abbr class="spell">NT</abbr>$786, or <abbr class="spell">NT</abbr>$618 for a disabled or low-income insured person, depending on the degree of disability or total family income (equal to 6.5%, 4.55%, and 3.58% of the minimum monthly wage in 2008, rising gradually to 100%, 8.4%, and 6.6% by 2030).</p>
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<p><span class="h5">Labor insurance program:</span> 0.65% of employee earnings (0.75% in 2009, rising gradually to 1.3% by 2030); 2.6% of income for self-employed (3% in 2009, rising gradually to 5.2% by 2030); the cost of administration.</p>
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<p>The maximum monthly earnings for contribution calculation purposes are <abbr class="spell">NT</abbr>$43,900. (The monthly earnings for contribution calculation purposes are adjusted according to changes in the minimum wage.)</p>
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<p>Government contributions also finance cash sickness and maternity benefits.</p>
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<h3>Qualifying Conditions</h3>
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<h4>Old-age pension:</h4>
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<p><span class="h5">National pension program:</span> Citizens age 65 and older who have been residents of Taiwan for more than 6 months a year for the last 3 years.</p>
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<p><span class="h5">Labor insurance program:</span> Age 60 with at least 15 years of coverage. (The full retirement age will increase to age 61 in 2018, increasing gradually to age 67 by 2027.)</p>
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<p>Retirement from covered employment or self-employment is necessary.</p>
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<p>Early old-age pension: A reduced pension is paid from age 55.</p>
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<p>Deferred old-age pension: The pension may be deferred until age 65.</p>
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<p>Old-age benefit: Insured persons with coverage prior to January 1, 2009, may opt for a lump-sum payment at retirement, instead of the labor insurance old-age pension. A lump-sum payment is optional for those with coverage prior to January 1, 2009, and age 60 (men) or age 55 (women) with at least 1 year of coverage; age 55 (men) with at least 15 years of coverage; age 50 with at least 25 years of coverage (men and women); at any age with at least 25 years of coverage for employment with the same employer (men and women).</p>
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<h4>Disability pension:</h4>
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<p><span class="h5">National pension program:</span> Citizens who are assessed as severely mentally or physically disabled with a permanent total incapacity for work by a hospital designated by the Bureau of National Health Insurance.</p>
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<p>If not normally eligible for coverage under the national pension program, persons who have been residents of Taiwan for more than 6 months a year for the last 3 years and who are assessed as severely mentally or physically disabled with an incapacity for work are eligible for the minimum disability pension.</p>
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<p><span class="h5">Labor insurance program:</span> Must be assessed as permanently physically or mentally disabled with a permanent total incapacity for work by a hospital designated by the Bureau of National Health Insurance.</p>
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<p><span class="h5">Disability benefit:</span> Insured persons with coverage prior to January 1, 2009, may opt for a lump-sum payment when the labor insurance disability begins, instead of the labor insurance disability pension. Must be assessed as permanently disabled by a hospital designated by the Bureau of National Health Insurance.</p>
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<p><span class="h4">Survivor pension:</span> The deceased must have paid at least one contribution.</p>
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<p><span class="h5">National pension program:</span> The deceased was actively insured at the time of death or was an old-age or disability pensioner.</p>
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<p>Eligible survivors (in order of priority) are the widow(er) (aged 55 or older; aged 45 or older with a monthly income below the survivor pension amount) and children (aged 25 years or younger; no limit with a total incapacity for work), parents (aged 55 or older with a monthly income below the survivor pension amount), grandparents (aged 55 or older with a monthly income below the survivor pension amount), dependent grandchildren, and dependent brothers and sisters.</p>
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<p>Eligibility ceases for widow(er)s on remarriage.</p>
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<p><span class="h5">Funeral grant (national pension program):</span> Paid to the person who paid for the funeral for the death of the insured person before age 65.</p>
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<p><span class="h5">Labor insurance program:</span> The deceased was actively insured at the time of death or was an old-age or disability pensioner.</p>
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<p>Eligible survivors (in order of priority) are the widow(er) and children, parents, grandparents, grandchildren, and brothers and sisters.</p>
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<p><span class="h5">Funeral grant (labor insurance program):</span> Paid to the person who paid for the funeral of the insured.</p>
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<p><span class="h5">Survivor benefit:</span> Paid for the death of the insured person with coverage prior to July 17, 2008, when a survivor opts for a lump-sum payment instead of the labor insurance survivor pension.</p>
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<h3>Old-Age Benefits</h3>
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<p><span class="h4">National pension program (old-age):</span> The monthly pension is equal to 0.65% of the monthly insured amount multiplied by the number of years of coverage plus <abbr class="spell">NT</abbr>$3,000 or 1.3% of monthly insured amount multiplied by the number of years of coverage, whichever is greater.</p>
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<p>The monthly insured amount is <abbr class="spell">NT</abbr>$17,280 (equal to the minimum monthly wage in 2008).</p>
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<p>The minimum old-age pension is <abbr class="spell">NT</abbr>$3,000 per month.</p>
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<p>Benefit adjustment: After October 2009, the monthly insured amount will be adjusted according to changes in the consumer price index.</p>
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<p><span class="h4">Labor insurance program (old-age):</span> The monthly pension is equal to 0.775% of the insured's monthly average covered earnings in the 36 months before retirement multiplied by the number of years of coverage plus <abbr class="spell">NT</abbr>$3,000 or 1.55% of the insured's monthly average covered earnings in the 36 months before retirement multiplied by the number of years of coverage, whichever is greater.</p>
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<p>The minimum old-age pension is <abbr class="spell">NT</abbr>$3,000 per month.</p>
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<p>Early pension: The pension is reduced by 4% for each year that retirement is taken before the normal retirement age, up to 20%.</p>
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<p>Deferred pension: The pension is increased by 4% for each year of deferred retirement, up to 20%.</p>
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<p>Note: Persons insured before January 1, 2009, may opt for a lump-sum old-age benefit instead of a monthly old-age pension at retirement.</p>
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<p><span class="h4">Old-age benefit:</span> Persons insured before January 1, 2009, who opt for a lump-sum benefit instead of a monthly labor insurance old-age pension are paid a lump sum of 1 month of the insured's average monthly covered earnings for each year of contributions for the first 15 years, plus 2 months of the insured's average monthly covered earnings for each year of contributions exceeding 15 years.</p>
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<p>An increment of 1 month of the insured's average monthly covered earnings for each year of continued work and contributions after age 60 is paid, up to 5 months.</p>
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<p>The maximum is equal to 45 months of the insured's average covered earnings.</p>
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<h3>Permanent Disability Benefits</h3>
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<p><span class="h4">National pension program (disability):</span> The monthly pension is equal to 1.3% of the monthly insured amount multiplied by the number of years of coverage.</p>
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<p>The monthly insured amount is <abbr class="spell">NT</abbr>$17,280 (equal to the minimum monthly wage in 2008).</p>
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<p>The minimum disability pension is <abbr class="spell">NT</abbr>$4,000.</p>
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<p>Benefit adjustment: After October 2009, the monthly insured amount will be adjusted according to changes in the consumer price index.</p>
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<p><span class="h4">Labor insurance program (disability):</span> The monthly pension is equal to 1.55% of the insured's monthly average covered earnings in the 6 months before the disability began multiplied by the number of years of coverage.</p>
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<p>The minimum disability pension is <abbr class="spell">NT</abbr>$4,000.</p>
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<p>Note: Persons insured before January 1, 2009, may opt for a lump-sum disability benefit instead of a monthly disability pension.</p>
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<p><span class="h4">Disability benefit:</span> Persons insured before January 1, 2009, who opt for a lump-sum benefit instead of a monthly labor insurance disability pension are paid a lump sum of 1 to 40 months of the insured's average covered earnings in the 6 months before the disability began, according to the assessed degree of disability.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">National pension program (survivor):</span> The monthly pension paid for the death of an actively insured person is equal to 1.3% of the monthly insured amount multiplied by the number of years of coverage. The monthly pension paid for the death of an old-age or disability pensioner is 50% of the old-age or disability pension due.</p>
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<p>The monthly insured amount is <abbr class="spell">NT</abbr>$17,280 (equal to the minimum monthly wage in 2008).</p>
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<p>The minimum pension is <abbr class="spell">NT</abbr>$3,000.</p>
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<p>Survivors are eligible for only one survivor pension. If there is more than one eligible survivor, 25% of the survivor pension will be paid for each extra survivor, up to 50%.</p>
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<p><span class="h5">Funeral grant (national pension program):</span> A lump sum of 5 times the monthly insured amount is paid.</p>
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<p>The monthly insured amount is <abbr class="spell">NT</abbr>$17,280 (equal to the minimum monthly wage in 2008).</p>
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<p>Benefit adjustment: After October 2009, the monthly insured amount will be adjusted according to changes in the consumer price index.</p>
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<p><span class="h4">Labor insurance program (survivor):</span> The monthly pension paid for the death of an actively insured person is equal to 1.55% of the insured's monthly average covered earnings in the 6 months before death multiplied by the number of years of coverage. The monthly pension paid for the death of an old-age or disability pensioner is 50% of the old-age or disability pension due.</p>
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<p>The minimum pension is <abbr class="spell">NT</abbr>$4,000.</p>
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<p><span class="h5">Funeral grant (labor insurance program):</span> A lump sum of 5 months of the deceased's average covered earnings in the 6 months before death is paid. In the absence of eligible survivors for the survivor pension, a lump sum of 10 months of the deceased's average covered earnings in the 6 months before death is paid.</p>
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<p><span class="h4">Survivor benefit:</span> Persons insured before January 1, 2009, who opt for a lump-sum benefit instead of a monthly labor insurance disability pension are paid a lump sum of 30 months of the deceased's average monthly covered earnings in the 6 months before death if the deceased had 2 or more years of contributions; 20 months if the deceased had between 1 and 2 years of contributions; 10 months if less than 1 year of contributions.</p>
|
|
<h3>Administrative Organization</h3>
|
|
<p>Labor Insurance Department of the Council of Labor Affairs (http://www.cla.gov.tw) provides general supervision.</p>
|
|
<p>Social Affairs Department of the Ministry of the Interior (http://www.moi.gov.tw) coordinates the national pension program.</p>
|
|
<p>Under the direction of the tripartite Labor Insurance Commission and its director general, the Bureau of Labor Insurance (http://www.bli.gov.tw) collects contributions and pays benefits.</p>
|
|
<h2>Sickness and Maternity</h2>
|
|
<h3>Regulatory Framework</h3>
|
|
<p><span class="h4">First law:</span> 1950.</p>
|
|
<p><span class="h4">Current laws:</span> 1958 (labor insurance), implemented in 1960, with 1988 amendment; and 1994 (national health insurance), implemented in 1995.</p>
|
|
<p><span class="h4">Type of program:</span> Social insurance system.</p>
|
|
<h3>Coverage</h3>
|
|
<p><span class="h4">Cash sickness and maternity benefits:</span> Employees between ages 15 and 60 in firms in industry and commerce, mines, and plantations with five or more employees; wage-earning public-sector employees; public-utility employees; fishermen; and certain self-employed persons in service occupations.</p>
|
|
<p>Voluntary coverage for employees in firms with fewer than five employees, self-employed persons (except those in service occupations with compulsory coverage), employees older than age 60 in covered employment, and involuntarily unemployed persons with at least 15 years of coverage.</p>
|
|
<p>Special systems for cash benefits for civil servants, farmers, salaried public-sector employees, and the staff of private schools.</p>
|
|
<p><span class="h4">Medical benefits:</span> Must have resided in Taiwan for at least 4 months, including foreign nationals with a resident permit.</p>
|
|
<h3>Source of Funds</h3>
|
|
<h4>Insured person</h4>
|
|
<p><span class="h5">Cash sickness and maternity benefits:</span> See source of funds under Old Age, Disability, and Survivors, above.</p>
|
|
<p><span class="h5">Medical benefits:</span> Contributions are paid according to 46 wage classes. Employees of public or private companies contribute 1.365% of gross monthly earnings, plus an additional 1.365% of gross monthly earnings for each dependent up to 4.095% of monthly earnings for three or more dependents.</p>
|
|
<p>The minimum monthly earnings for contribution calculation purposes for medical benefits are <abbr class="spell">NT</abbr>$17,280 (equal to the minimum monthly wage in 2008).</p>
|
|
<p>The maximum monthly earnings for contribution calculation purposes for medical benefits are <abbr class="spell">NT</abbr>$131,700.</p>
|
|
<p>The monthly earnings for contribution calculation purposes are adjusted according to changes in the minimum wage.</p>
|
|
<h4>Self-employed person</h4>
|
|
<p><span class="h5">Cash sickness and maternity benefits:</span> See source of funds under Old Age, Disability, and Survivors, above.</p>
|
|
<p><span class="h5">Medical benefits:</span> Contributions are paid according to 46 wage classes: 4.55% of gross monthly income for higher earners or 2.73% of income for lower earners, plus an additional 2.73% of gross monthly income for each dependent up to 8.19% of monthly income for three or more dependents.</p>
|
|
<p>The minimum monthly earnings for contribution calculation purposes for medical benefits are <abbr class="spell">NT</abbr>$17,280 (equal to the minimum monthly wage in 2008).</p>
|
|
<p>The maximum monthly earnings for contribution calculation purposes for medical benefits are <abbr class="spell">NT</abbr>$131,700.</p>
|
|
<p>The monthly earnings for contribution calculation purposes are adjusted according to changes in the minimum wage.</p>
|
|
<h4>Employer</h4>
|
|
<p><span class="h5">Cash benefits for sickness and maternity:</span> See source of funds under Old Age, Disability, and Survivors, above.</p>
|
|
<p><span class="h5">Medical benefits:</span> Contributions are paid according to 46 wage classes: 3.185% of monthly payroll for employees of public or private firms, plus an additional 2.482% of monthly payroll for dependents, regardless of number.</p>
|
|
<p>The employer's contributions also finance work injury medical benefits.</p>
|
|
<p>The minimum monthly earnings for contribution calculation purposes for medical benefits are <abbr class="spell">NT</abbr>$17,280 (equal to the minimum monthly wage in 2008).</p>
|
|
<p>The maximum monthly earnings for contribution calculation purposes for medical benefits are <abbr class="spell">NT</abbr>$131,700.</p>
|
|
<p>The monthly earnings for contribution calculation purposes are adjusted according to changes in the minimum wage.</p>
|
|
<h4>Government</h4>
|
|
<p><span class="h5">Cash benefits for sickness and maternity:</span> See source of funds under Old Age, Disability, and Survivors, above.</p>
|
|
<p><span class="h5">Medical benefits:</span> Contributions are paid according to 46 wage classes: 0.455% of employee earnings for employees of public and private firms, none for higher-earning self-employed, 1.82% of income for lower-earning self-employed. The average contribution of all insured persons for the dependents of military personnel and the heads of low-income families, plus any deficit. Contributes on behalf of the dependents of insured persons. Pays for the cost of administration.</p>
|
|
<p>Government contributions also finance work injury medical benefits.</p>
|
|
<p>The minimum monthly earnings for contribution calculation purposes for medical benefits are <abbr class="spell">NT</abbr>$17,280 (equal to the minimum monthly wage in 2008).</p>
|
|
<p>The maximum monthly earnings for contribution calculation purposes for medical benefits are <abbr class="spell">NT</abbr>$131,700.</p>
|
|
<p>The monthly earnings for contribution calculation purposes are adjusted according to changes in the minimum wage.</p>
|
|
<h3>Qualifying Conditions</h3>
|
|
<p><span class="h4">Cash sickness benefit:</span> The incapacity must be due to a nonwork-related injury or illness. There is no specified minimum qualifying period. The insured must provide medical certification.</p>
|
|
<p><span class="h4">Cash maternity benefit:</span> Must have at least 280 days of contributions before childbirth (181 days of contributions for a premature childbirth).</p>
|
|
<p><span class="h4">Medical benefits:</span> Provided for a nonwork-related injury or illness.</p>
|
|
<h3>Sickness and Maternity Benefits</h3>
|
|
<p><span class="h4">Sickness benefit:</span> The benefit is equal to 50% of the insured's average covered earnings in the 6 months before the incapacity began. The benefit is paid after a <span class="nobr">3-day</span> waiting period for up to 12 months; 6 months with less than 1 year of contributions.</p>
|
|
<p><span class="h4">Maternity grant:</span> A lump sum of 1 month of the insured's average covered earnings in the last 6 months before maternity leave is paid for a normal or premature childbirth.</p>
|
|
<h3>Workers' Medical Benefits</h3>
|
|
<p>Medical care is provided by public and private clinics and hospitals under contract with, and paid directly by, the Bureau of National Health Insurance. Benefits include preventive and prenatal care, inpatient and outpatient hospital treatment, surgery, and medicines.</p>
|
|
<p>There is no limit to duration.</p>
|
|
<p>The government provides free maternity medical care.</p>
|
|
<p>Cost sharing: For ambulatory and emergency care at clinics, 20% of scheduled fees; for hospital visits (according to the type of hospital and the doctor's referral), between 30% and 50%; for inpatient care for short-term illnesses, from 10% (for the first 30 days) to 30% (from the 61st day and thereafter); for inpatient care for chronic long-term illnesses, from 5% (for the first 30 days) to 30% (from the 181st day and thereafter).</p>
|
|
<p>Exemptions from cost sharing: Preventive health care, certain specific catastrophic illnesses, ambulatory services in mountainous areas and remote islands, and all care for members of veteran or low-income households.</p>
|
|
<h3>Dependents' Medical Benefits</h3>
|
|
<p>Medical care is provided by private and public clinics and hospitals under contract with, and paid directly by, the Bureau of National Health Insurance. Benefits include preventive and prenatal care, inpatient and outpatient hospital treatment, surgery, and medicines.</p>
|
|
<p>There is no limit to duration.</p>
|
|
<p>The government provides free maternity medical care.</p>
|
|
<p>Cost sharing: For ambulatory and emergency care at clinics, 20% of scheduled fees; for hospital visits (according to the type of hospital and the doctor's referral), between 30% and 50%; for inpatient care for short-term illnesses, from 10% (for the first 30 days) to 30% (from the 61st day and thereafter); for inpatient care for chronic long-term illnesses, from 5% (for the first 30 days) to 30% (from the 181st day and thereafter).</p>
|
|
<p>Exemptions from cost sharing: Preventive health care, certain specific catastrophic illnesses, ambulatory services in mountainous areas and remote islands, and all care for members of veteran or low-income households.</p>
|
|
<p>Eligible dependents include a nonemployed spouse, nonemployed parents or grandparents, and nonemployed children and grandchildren younger than age 20 (no limit if disabled). For low-income households, all relatives living with the insured.</p>
|
|
<h3>Administrative Organization</h3>
|
|
<p><span class="h4">Cash sickness and maternity benefits:</span> Labor Insurance Department of the Council of Labor Affairs (http://www.cla.gov.tw) provides general supervision.</p>
|
|
<p>Under the direction of the tripartite Labor Insurance Commission and its director general, the Bureau of Labor Insurance (http://www.bli.gov.tw) collects contributions and pays benefits.</p>
|
|
<p><span class="h4">Medical benefits:</span> Under the direction of a Supervisory Board, the Bureau of National Health Insurance (http://www.nhi.gov.tw) collects contributions and contracts with private and public clinics and hospitals to provide medical care.</p>
|
|
<h2>Work Injury</h2>
|
|
<h3>Regulatory Framework</h3>
|
|
<p><span class="h4">First laws:</span> 1929 and 1950.</p>
|
|
<p><span class="h4">Current laws:</span> 1958 (labor insurance), implemented in 1960, with amendments; and 2001 (work injury), implemented in 2002.</p>
|
|
<p><span class="h4">Type of program:</span> Social insurance system.</p>
|
|
<h3>Coverage</h3>
|
|
<p>Employees between ages 15 and 60 in firms in industry and commerce, mines, and plantations with five or more employees; wage-earning public-sector employees; public-utility employees; fishermen; and certain self-employed persons in service occupations.</p>
|
|
<p>Special systems for civil servants, salaried public-sector employees, and the staff of private schools.</p>
|
|
<h3>Source of Funds</h3>
|
|
<p><span class="h4">Insured person:</span> None.</p>
|
|
<p><span class="h4">Self-employed person:</span> None.</p>
|
|
<h4>Employer</h4>
|
|
<p><span class="h5">Cash benefits:</span> 0.05% to 2.97% of monthly payroll, according to the assessed risk of the industry. The average rate is 0.22%. The contribution rate for employers with more than 70 employees is adjusted annually according to the claims rate of the company.</p>
|
|
<p><span class="h5">Medical benefits:</span> See source of funds under Sickness and Maternity, above.</p>
|
|
<h4>Government</h4>
|
|
<p><span class="h5">Cash benefits:</span> The cost of administration.</p>
|
|
<p><span class="h5">Medical benefits:</span> See source of funds under Sickness and Maternity, above.</p>
|
|
<h3>Qualifying Conditions</h3>
|
|
<p><span class="h4">Work injury benefits:</span> There is no minimum qualifying period.</p>
|
|
<h3>Temporary Disability Benefits</h3>
|
|
<p>70% of the insured's average covered earnings in the last 6 months before the disability began is paid for the first 12 months; 50% thereafter. The benefit is paid after a <span class="nobr">3-day</span> waiting period for up to 24 months.</p>
|
|
<h3>Permanent Disability Benefits</h3>
|
|
<p><span class="h4">Permanent disability benefit:</span> If assessed as permanently disabled, a lump sum is paid based on the insured's average monthly covered earnings in the last 6 months before the disability began and the assessed degree of disability.</p>
|
|
<p>If assessed as permanently disabled without any capacity to work, an additional lump sum is paid based on 20 months of the insured's average monthly covered earnings in the last 6 months before the disability began and the assessed degree of disability.</p>
|
|
<p>Constant-attendance allowance: <abbr class="spell">NT</abbr>$10,000 a month is paid if assessed as totally disabled without any capacity to work and in need of constant medical care, supervision, or help to complete daily tasks.</p>
|
|
<p><span class="h4">Living allowance:</span> After receiving the lump-sum permanent disability benefit, a monthly allowance of between <abbr class="spell">NT</abbr>$1,500 and <abbr class="spell">NT</abbr>$7,000 is paid to insured persons with a partial or total permanent disability, according to the assessed degree of disability.</p>
|
|
<h3>Workers' Medical Benefits</h3>
|
|
<p>Medical care is provided by private and public clinics and hospitals under contract with, and paid directly by, the National Health Insurance Bureau. Benefits include inpatient and outpatient hospital treatment, surgery, and medicines.</p>
|
|
<p>There is no limit to duration.</p>
|
|
<h3>Survivor Benefits</h3>
|
|
<p><span class="h4">Survivor benefit:</span> 100% of the deceased's pension plus a lump sum equal to 10 months of the deceased's average monthly covered earnings in the 6 months before death is paid.</p>
|
|
<p>Eligible survivors are the spouse, children, parents, grandparents, grandchildren, brothers, and sisters.</p>
|
|
<p><span class="h4">Survivor grant:</span> A lump sum of 40 months of the deceased's average covered earnings in the 6 months before death is paid.</p>
|
|
<p><span class="h4">Survivor's supplement (income-tested):</span> A lump sum of <abbr class="spell">NT</abbr>$100,000 may be paid to the dependent spouse, children, or parents.</p>
|
|
<p><span class="h4">Funeral grant:</span> A lump sum of 5 months of the deceased's average covered earnings in the 6 months before death is paid to eligible survivors. If there are no eligible survivors, the grant is paid to the person who organizes the funeral.</p>
|
|
<h3>Administrative Organization</h3>
|
|
<p>Labor Insurance Department of the Council of Labor Affairs (http://www.cla.gov.tw) provides general supervision.</p>
|
|
<p>Under the direction of the tripartite Labor Insurance Commission and its director general, the Bureau of Labor Insurance (http://www.bli.gov.tw) collects contributions and pays cash benefits.</p>
|
|
<p>Under the direction of a supervisory board, the Bureau of National Health Insurance (http://www.nhi.gov.tw) contracts with private and public clinics and hospitals to provide medical care.</p>
|
|
<h2>Unemployment</h2>
|
|
<h3>Regulatory Framework</h3>
|
|
<p><span class="h4">First law:</span> 1968, implemented in 1999, with 2000 and 2001 amendments.</p>
|
|
<p><span class="h4">Current law:</span> 2002 (employment insurance), implemented in 2003.</p>
|
|
<p><span class="h4">Type of program:</span> Social insurance system.</p>
|
|
<h3>Coverage</h3>
|
|
<p>Private- and public-sector employees between ages 15 and 60.</p>
|
|
<p>Exclusions: Self-employed persons, civil servants, teachers, and military personnel.</p>
|
|
<h3>Source of Funds</h3>
|
|
<p><span class="h4">Insured person:</span> 0.2% of gross monthly earnings.</p>
|
|
<p><span class="h4">Self-employed person:</span> Not applicable.</p>
|
|
<p><span class="h4">Employer:</span> 0.7% of monthly payroll.</p>
|
|
<p><span class="h4">Government:</span> 0.1% of employee earnings and the cost of administration.</p>
|
|
<h3>Qualifying Conditions</h3>
|
|
<p><span class="h4">Unemployment benefit:</span> The insured must have at least 1 year of coverage, must be involuntarily unemployed, must be currently registered at a public employment office as being capable and willing to work, must not have declined a suitable job offer, and must not be in occupational training.</p>
|
|
<p>The benefit is suspended if a suitable job offer, counseling, or vocational training is refused or the beneficiary fails to report to a public employment office once a month.</p>
|
|
<p><span class="h4">Early reemployment award:</span> Paid if the unemployed person starts work before the maximum unemployment benefit payment period has expired.</p>
|
|
<h3>Unemployment Benefits</h3>
|
|
<p>The benefit is equal to 60% of average monthly earnings in the 6 months before unemployment. The benefit is paid after a <span class="nobr">14-day</span> waiting period for up to 6 months or for up to 3 months for new claims occurring within 2 years of receiving unemployment benefits for at least 6 months.</p>
|
|
<p><span class="h4">Early reemployment award:</span> A lump sum of 50% of the total unpaid unemployment benefit that would have been paid for the maximum duration of benefit is paid.</p>
|
|
<h3>Administrative Organization</h3>
|
|
<p>Labor Insurance Department of the Council of Labor Affairs (http://www.cla.gov.tw) provides general supervision.</p>
|
|
<p>Under the direction of the tripartite Labor Insurance Commission and its director general, the Bureau of Labor Insurance (http://www.bli.gov.tw) collects contributions and pays benefits.</p>
|
|
</div>
|
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</article>
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