For the countries in the world which implement social insurance, most of them have set a certain waiting period for claiming injury and sickness benefits to allow for objective identification of whether the insured person has the capability to work and exclude the mental affect of not willing to work after an injury or sickness to prevent improper and arbitrary benefit payment. Furthermore, labor insurance is to protect the insured person properly, the benefit standard still needs to give consideration on the finance and the burden of the insurance, so there is certain calculation base and standard. After referring most countries’ regulation for labor insurance, the 3 days is called waiting period, and the reasons for this regulation are concluded and categorized as follows:
- Reduces the applications for benefits by insured persons with minor injury and sickness so the administration works between insured unit, medical treatment organization and the Bureau of Labor insurance is simplified.
- The amount of benefits for 3 days is quite small and the amount is very small after deducting the fee for diagnosis certificate so it will not impact the insured person’s living expenses.
- Even though the amount paid for 3 days of injury and sickness benefits are very small but the insurance fund is accumulated from little small parts so it able to pay the injury and sickness benefits to the insured persons who have serious injury and sickness.