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Business Topic

Introduction to Death of the Insured

  1. Items of Survivor Benefit, Qualification and Benefit Payment Standards
    1. Funeral Grant:
      1. If the insured person died during the effective period of the insurance due to general diseases, injuries or occupational diseases, the persons who pay for the funeral expenses could claim a five-month funeral grant based on the average monthly Insurance Salary for six months before the month the insured person died.
      2. If the insured persons died and their dependents do not meet the criteria for claiming survivor pension or survivor allowances or there is no dependent, the persons who pay for the funeral expenses could claim a ten-month funeral allowance based on the average monthly Insurance Salary for six months before the month the insured person died.
    2. Survivor Allowances:
      1. Qualification: The insured persons who have insurance coverage seniority before January 1, 2009 and died while the insurance is still effective and have left spouse, children, parents, grandparents, grandchildren, brothers and sisters raised by the insured persons while they were alive.
      2. Benefit Payment Standards:
        • Died due to general diseases or injuries:
          • For those insured persons whose combined insurance coverage seniority is less than one year, a ten-month survivor allowances shall be issued based on the average monthly Insurance Salary for six months before the month (included) the insured person died.
          • For those insured person whose combined insurance coverage seniority is more than one year but less than two years, a twenty-month survivor allowances shall be issued based on the average monthly Insurance Salary for six months before the month (included) the insured person died.
          • For those insured person whose combined insurance coverage seniority is more than two years, a thirty-month survivor allowances shall be issued based on the average monthly Insurance Salary for six months before the month (included) the insured person died.
        • Died due to occupational injuries or occupational diseases: No matter about the insurance coverage seniority, a forty-month survivor allowances shall be issued based on the average monthly Insurance Salary for six months before the month (included) the insured person died.
      3. Priority of the entitled dependents to claim survivor allowances
        • Spouse and Children
        • Parents
        • Grandparents
        • Grandchildren who are raised by the insured person.
        • Brothers and Sisters who are raised by the insured person. The so-called parents and children mean birth parents, foster parents, and children born in wedlock (including those deemed as children born in wedlock by the regulations in Civil Code) or those adopted children who have been adopted according to laws and completed household registration for more than six months. Adopted children could not claim the survivor allowances of their birth parents.
    3. Survivor Pension
      1. Qualifications
        • The insured person dies during the effective coverage period of the insurance.
        • The insured person has withdrawn from the insurance coverage and dies during disability pension benefit payments or old-age pension benefit payments period.
        • The insured person who has more than 15 years of insurance coverage years and meet the qualification for claiming old-age benefits according to paragraph 2 of Article 58 of Labor Insurance Act but dies before claiming the old-age benefits.
      2. Order of recipients of survivor pension:
        • Spouse and Children
        • Parents
        • Grandparents
        • Dependent grandchildren
        • Dependent brothers or sisters
      3. Criteria for claiming the allowance
        • Spouse: meet one of the following conditions.
          • Should aged 55 or above and the marriage relationship has lasted more than one year. However, if the spouse has no capability of earning a livelihood or raise children as defined in the following b. are not limited by this regulation.
          • Should aged 45 or above with the marriage relationship has lasted more than one year and his/her monthly income does not exceed the first grade of table of grade for insurance salary.
        • Children (As for adopted children, the adoption relationship should have lasted for more than 6 months): should qualify for one of the following conditions:
          • Under age
          • No capability of earning a livelihood
          • Under the age of 25 and still go to school with monthly working income not exceeding the first grade of table of grade for insurance salary.
        • Parents and grandparents: at least fifty-five years of age and the monthly work salary do not exceed the first level in Table of Grades of  Labor Insurance Salary.
        • Grandchildren: supported by the insured and conform to either one of the condition in the above “B”.
        • Brothers and Sisters: supported by the insured and comply with at least one of following criteria:
          • minority
          • incapable of earning a livelihood
          • are at least fifty-five years of age and the monthly work salary do not exceed the first level in Table of Grades of Labor Insurance Salary.
      4. Benefit Payment Standard
        • Insured person dies during the effective coverage period of the insurance: For each one full year of insurance coverage year, 1.55% of the average monthly insurance salary shall be granted.
        • The insured person has withdrawn from the insurance coverage and dies during disability pension benefit payments or old-age pension benefit payments period, or the insured person who has more than 15 years of insurance coverage years and meet the qualification for claiming old-age benefits according to paragraph 2 of Article 58 of Labor Insurance Act but dies before receiving the old-age benefits: half of the amount calculated according to disability pension or old-age pension payments schedule shall be granted.
        • If the amount calculated in previous clause is less than 3,000 NT dollars, then 3,000 NT dollars shall be granted.
        • Additional survivor benefits: When there is more than 2 dependents in the same order for receiving survivor benefits, 25% additional payment shall be granted for every one additional dependent and the maximum is 50% additional benefit.
      5. Additional survivor benefits: When there is more than 2 dependents in the same order for receiving survivor benefits, 25% additional payment shall be granted for every one additional dependent and the maximum is 50% additional benefit.
  2. Application Procedure
    1. The following documents shall be submitted when applying for funeral grants:
      1. Application form s for Survivor Benefits and Receipts of payments.
      2. Death certificates or written autopsy reports issued by the public prosecutors.
      3. Copies of the certificate of household registration for the whole household with the dates of death recorded and the benefit applicant's current address household registration certificate which is applied and issued after the day the insured persons die.
      4. Receipts or evidencing documents for funeral expenses.
    2. The following documents shall be submitted when applying for survivor allowances:
      1. Application forms for Survivor Benefit and Receipts of payments.
      2. Death certificates or written autopsy reports issued by the public prosecutors.
      3. Copies of the certificate of household registration for the whole household and the benefit applicant's current address household registration certificate which is applied and issued after the day the insured persons die.
    3. The following documents shall be submitted when applying for Survivor Pensions:
      1. Application forms for Survivor Benefit and receipts of payments.
      2. Death Certificate or written autopsy reports issued by public prosecutor and in the event of legally proclaiming death, the related court decisions.
      3. Certificates of whole household registration with the dates of death recorded. If the beneficiaries are the adopted children, the dates of the adoption shall be recorded; if the beneficiaries and the deceased are not under the same household registration, the household registration certificates for both the deceased and the beneficiary shall be submitted; if the beneficiary is the spouse, the date of the marriage shall be recorded in the certificate.
      4. Other documents required are as follows:
        • If the dependents are qualified as “in school” (children or grandchildren): Proof of “In School” or Receipts of tuition shall be submitted. The “in school” certificate or receipt of tuition shall be resubmitted to the insurer for examination every year before the end of September. If the conditions meet the qualification, the survivor pension shall continue to be granted until the end of August of the next year.
        • If the dependents are qualified as “No capability of earning a livelihood”: Severe Physical or Mental Disability Manual or proof of such disability, or documents proving an interdiction is placed on the dependent.
        • If the dependents are qualified as “dependent of the insured person” (grandchildren or brothers and sisters): Related documents proving that the dependents are raised by the insured person.
    4. If the dependents are foreign nationals who are living in the country, copies of residence permit, passport or Permit for entering and leaving the country shall be submitted.
    5. In the event that the applicants of the foreign labor are in a foreign country and unable to collect the payment in Taiwan, they shall prepare Power of Attorney and documents to entrust the insured unit or relatives in Taiwan to receive and transfer the payment, or remit the amount to their bank account.
    6. If documents issued by foreign countries are submitted, a Chinese-translation of those documents shall be provided and the documents shall be validated by our diplomatic or representative agencies overseas. If the Chinese translation does not validated, it shall be notarized by the court of laws of this country or notary.
    7. Documents or proof issued by officials in Mainland China area shall be validated by China 's Notary and related organization approved by this country. (Note: Straits Exchange Foundation)
    8. If the persons who claim for survivor pension are minor, under age or have no or limited legal capacity, the Application form and receipts for payment for the survivor pension shall also be signed or sealed by the guardian, the certificate of household registration of the guardian shall also be submitted.
    9. If the dependents have no household registration in this country, their ID and related proof documents should be enclosed with the application, and the ID and related proof documents shall be resubmitted every year for examination. If the ID and related proof documents are issued by foreign countries, Hong Kong, Macau or Mainland China , a Chinese translation shall be included and the documents shall be validated by component agencies according to the regulations.
  3. Points for Attention
    1. Once one of the Survivor Allowance or Survivor Pension benefit is selected, approved and paid by the insurer, it could not be changed again, hence, the applicants should carefully consider the benefit items in application.
    2. According to Paragraph 1 of Article 1094 of the Civil Code, when both parents cannot exercise the rights nor assume the duties in regard to a minor child, or when the parents die without appointing any guardian by a will, or the appointed guardian refuses to be sworn, the following shall be determined as the guardian in order:
      1. Grandparents living in the same household with the minor.
      2. Elder brothers or sisters living in the same household with the minor.
      3. Grandparents not living in the same household with the minor.
    3. According to the regulation in Article 11 of Household Registration Act: For those people under disability or with restricted disability, when they are placed, selected, altered, considered, appointed, or delegated a guardian, they should register for guardianship.
    4. If the applicants wish to receive the death benefit by wiring to a foreign financial institution, they should bear the foreign remittance charge (remittance charge is based on the charging standard of the domestic financial institutions for remittance) and the expense would be deducted from the amount of death benefits monthly.
    5. If the insured person has withdrawn from the insurance when their dependent select to claim or change to claim to survivor pension, the insured unit's seal is not needed.
Last Update:2019-12-06
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