1. What are the qualifications, claiming order and benefit standards for claiming survivor benefits?
- Qualifications:
(1) In the event of the death of an insured person during the effective period of the insurance (or pursuant to Paragraph 1, Article 20 of Labor Insurance Act, within one year after insurance has been terminated, an insured person’s death due to injury or sickness occurred during the effective insurance period), the person who pays for the funeral could claim for funeral grant, furthermore, the insured person's spouse, child, parents, grandparents, or dependent grandchildren, brother(s) or sister(s) may also claim for survivor's pension. For the insured person has insurance coverage years before the enforcement of the labor pension scheme on January 1, 2009, the survivors of the insured may choose to claim for a lump sum survivor allowance.
(2) In case the insured person dies during the period of cancelling the insurance, receiving disability pension or old-age pension, the survivors of the insured may claim for Survivors' pension Benefit.
(3) In case of insured person who already has at least fifteen years of insurance coverage and conform to the regulations defined in second paragraph of article 58, and die before claiming old-age benefit, the survivors of the insured may claim for Survivors' pension Benefit.
- Claiming order:
(1) Funeral grant: the person who pays for the funeral.
(2) Survivors' pension and survivors' allowance:
I. spouse, son and/or daughter;
II. father and/or mother;
III. grandfather and/or grandmother;
IV. grandson and/or granddaughter raised by the insured person;
V. brother(s) and/or sister(s) raised by the insured person.
※The survivors in the second order (father and/or mother) could claim for survivor's pension under statutory conditions, please see Q&A no.4.
- Benefit standards:
(1) Funeral grant:
Five-months survivors' benefits computed on the basis of average monthly insurance salary for the last six months prior to the month in which the death of insured person occurs shall be payable in one lump sum on the basis of insured person's average monthly insurance salary. If his/her survivors do not qualify to claim Survivors' pension benefit or survivors' allowance or the insured doesn't have any living survivor, a ten-months survivors' benefit shall be payable in one lump sum on the basis of insured person's average monthly insurance salary.
(2) Survivors’ pension:
In the event of the death of an insured person during the effective period of the insurance (or conform to Paragraph 1, Article 20 of Labor Insurance Act), it is calculated based on 1.55% of the average monthly insurance salary for every insurance coverage year of the insured person. In case the insured person dies during the period of cancelling the insurance, receiving disability pension or old-age pension, or has at least fifteen years of insurance coverage and conform to the regulations defined in second paragraph of article 58, and die before claiming old-age benefit: half of the amount of disability pension or old-age pension should be payable to the survivors. If the amount of Survivors' pension in second subparagraph of preceding paragraph is less than 3,000 NT dollars, then 3,000 NT dollars shall be granted. In case there are at least two survivors listed on the same payment order, 25% more of the standard survivor's pension payments will be granted for every extra survivor. The maximum extra payment will be 50% of the standard payment.
(3) Survivors’ allowance: In case the insured person's death caused by ordinary injury or sickness, the payment is computed on the basis of average monthly insurance salary for the last six months prior to the month in which the death of insured person occurs. The payment standards are as follows:
a、 Ten-months survivors' benefits shall be payable in one lump sum on the basis of the insured person's average monthly insurance salary in case his/her insurance coverage is less than one full year;
b、 Twenty-months survivors' benefits shall be payable in one lump sum on the basis of the insured person's average monthly insurance salary in case his/her insurance coverage is at least one full year but less than two full years; or
c、 Thirty-months survivors' benefits shall be payable in one lump sum on the basis of the insured person's average monthly insurance salary in case his/her insurance coverage is at least two full years.
- Qualifications of survivors’ pension:
(1) The spouse should comply with at least one of following criteria:
a、 more than 55 years of age and the conjugal relationship has existed for more than one year;
b、 more than 45 years of age and the conjugal relationship has existed for more than one year and the spouse's monthly work income does not exceed the amount defined in the first level of Table of Grades of Insurance Salary;
c、 incapable of earning a livelihood;
d、 raising children as follows (2).
(2) The dependent children should comply with at least one of following criteria. As for adopted children, the adoption relation should have been existed for more than six months:
a、 minority;
b、 incapable of earning a livelihood;
c、 under the age of 25 and still goes to school with monthly work salary does not exceed the amount defined in the first level of Table of Grades of Insurance Salary.
(3) Parents and grandparents who are at least fifty-five years of age and the monthly work salary do not exceed the first level in Table of Grades of Insurance Salary.
(4) Grandchildren raised by the insured person conform to either one of the condition listed in paragraph (2).
(5) Brothers and Sisters raised by the insured person conform to one of the following criteria:
a、 minority;
b、 incapable of earning a livelihood;
c、 at least fifty-five years of age and the monthly work salary do not exceed the first level in Table of Grades of Insurance Salary.