Occupational Accident Insurance Is Essential for Middle-Aged and Senior Workers Who Are Re-entering the Workforce
In recent years, many retired workers have chosen to re-enter the workforce to continue contributing to society using their professional experience. The Ministry of Labor (MOL) reminds employers that workers aged 65 and older, or those who are already receiving labor insurance old-age benefits, must be enrolled in occupational accident insurance upon re-employment. This requirement is in place to ensure the safety and rights of middle-aged and senior workers.
The MOL points out that, under the Labor Occupational Accident Insurance and Protection Act, workers 15 or older who are employed by a registered unit—meaning those with a valid business license, legal registration, or tax registration—must have occupational accident insurance coverage. Regardless of whether the worker is over 65 years old or is already receiving labor insurance old-age benefits, employers are required to enroll their employees in the insurance on their first day of work. If an employer is confirmed to have violated this regulation, they will face fines ranging from NT$20,000 to NT$100,000, and the violation will be publicly announced. As of the end of July 2025, approximately 593,000 workers who have already received labor insurance old-age benefits have re-entered the workforce and are enrolled in occupational accident insurance. Among them, about 307,000 are 65 and older.
Eligibility for labor insurance for workers over 65 depends on whether they have already received labor insurance old-age benefits and whether they previously participated in labor insurance. The MOL further explains that those who have participated in labor insurance but have not yet received labor insurance old-age benefits must continue to participate in labor insurance according to the regulations when re-employed. However, workers who have already received labor insurance old-age benefits or who have no prior record of labor insurance participation before turning 65 are, as per regulations, not eligible to enroll in labor insurance when re-employed.
The MOL emphasizes that employers are required to enroll employees in occupational accident insurance, as per the regulations, regardless of age or prior receipt of retirement benefits. Additionally, employers are encouraged to enroll eligible senior workers in labor insurance for more comprehensive protection. By taking these steps, workers can apply their expertise with confidence, fostering a safe, friendly, and inclusive workplace.