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4. What should be done if the insured persons die only a few years after they start receiving the labor insurance pension benefits?

When a recipient of old-age pension benefit or the disability, his/her survivors are eligible for the survivors pension benefit, which will be half the amount of the original pension benefit payment. If the deceased had accumulated years of insurance coverage before the pension policy was implemented, his/her survivors can also choose to claim a one-time old-age benefit or disability benefit payment minus the total amount of pensions already received by the deceased.

For example: Suppose that Mr. Wang is 60 years old and he has already accumulated 30 years of labor insurance coverage, with his average monthly insured salary being NT$40,000, then his one-time old-age benefit would be NT$1,800,000. Unfortunately, he dies three years after his retirement and only received a total amount of NT$669,600 in monthly old-age pension payments. In this case, his survivors can choose to claim the balance of his old-age benefit, which is NT$1,130,400.

Last Update:2021-09-23