Public Service

Combined Calculation of Labor Insurance Old-Age Benefits and Labor Pension Monthly Pension Payments

Old-Age Pension Benefits

Year of birth：

Estimated claiming age

Age at the time of application (Years)：

Months：

Average monthly insured salary in the most current 3 years from the month of retirement (including the month)：

Average monthly insurance salary of the 60 months with the highest salary levels during the coverage duration：

Insurance coverage seniority

Insurance coverage seniority before 60 years old：

Year(s)：

Month(s)：

Insurance coverage seniority after 60 years old：

Year(s)：

Month(s)：

Insurance coverage seniority：

Year(s)：

Month(s)：

Trail Calculation of Labor Pension Monthly Pension Payments

Estimated accumulated principal and total income of individual account：

Estimator Clear all

The trial of result

Old-Age Pension Benefits

Available received one-time old-age benefits(NTD)：

(Only insured persons who had insurance coverage before January 1, 2009 are eligible to claim a one-time old-age benefit)

Availabe Old-Age Pension Benefits(Please refer to the following two formulas, whichever is preferable)

The first formula to calculate the amount (NTD)：

The second formula calculates the amount (NTD)：

Trail Calculation of Labor Pension Monthly Pension Payments

Estimated age of application：

Average life expectancy：

Monthly pension payments (NTD)：

Monthly pension amount paid on a quarterly basis (NTD)：

The calculations on this page are based on the information you enter above. If you wish to calculate based on the data in the BLI's database, you can use mobile phone authentication, Citizen Digital Certificate, Virtual Labor Insurance Certificate, TW FidO, or Financial CA ID Card to log into the BLI's e-Service System. You can then calculate the “Labor Insurance Old-Age Benefits Amount” based on the data in the database at the time of calculation. If you are 60 years old or above, you can also calculate the “Labor Pension Individual Account Payment Amount”.
If you want to plan ahead for your future retirement financial needs, you can use the Online Pension Calculator for the Individual Laborer (Ministry of Labor) to enter your salary, estimated investment return rate, salary growth rate, contribution rate, years of service, and other criteria for calculation.

Explanation of Old-Age Benefits of Labor Insurance:

Please click here for the qualification on Old-Age Benefits of Labor Insurance.
Detailed Explanation of Payment Standards：
One-Time Old-Age Benefits:Insurance coverage years × Number of payment months.
Old-Age Pension Benefits:
Formula 1：(Insurance coverage years × average monthly insurance salarys × 0.775% + NT$3,000) x (1 + increased proportion or 1 - reduced proportion)
Formula 2：(Insurance coverage years × average monthly insurance salarys × 1.55%) x (1 + increased proportion or 1 - reduced proportion)
1. ※　The average monthly insurance salary:The average monthly insurance salary in One-Time Old-Age Benefits is calculated by dividing the insured persons' total monthly insurance salaries for the first 3 years from the month of retirement (including the month) by 36. The average monthly insurance salary in Old-Age Pension Benefits is calculated by dividing the insured persons' the highest 60 months of insurance salary during the insurance coverage years by 60.
2. ※　Number of payment months of One-Time Old-Age Benefits: For every one year of insurance coverage seniority, 1 month of average monthly insured salary would be issued; should the total insurance coverage seniority is more than 15 years, for the part which is more than 15 years, 2 months of average monthly insurance would be issued for every one extra year of insurance coverage seniority , and the highest limit is 45 months.If the insured person is more than 60 years old and continue to work, the maximum years of insurance after the age of 60 shall be 5 years.The highest limit is 50 months if combining the one-time old-age benefits before and after 60 years old.
3. ※　Postponed Old-Age Benefits:If the insured person has met the qualification for old-age pension benefits,and decides to claim at a later time,the amount of the benefit will be increased by 4% when the claim is delayed by 1 year, with the maximum increase being 20%.
4. ※　Advanced Old-Age Benefits:If the insured person's insurance coverage seniority is more than 15 years, who doesn’t reach the claiming age for old-age pension benefits,could claim for old-age pension benefits within 5 years in advance. The amout of the benefit will be reduced by 4% when the claim is advanced by 1 year.

Explanation of Labor Pension Monthly Pension Payments:

Workers aged 60 or above with 15 years or more of service may choose to receive a labor pension monthly pension payments. Workers who are under 60 years of age, have 15 or more years of service, and meet the requirements of Article 24-2 of the Labor Pension Act; and have received disability pension benefits from the Labor Insurance, lump sum disability benefits for disability levels 1, 2, or 3, or disability pension benefits or disability basic guaranteed pension payments for the disabled as prescribed by the National Pension Act. Insured persons who are not covered by labor insurance or national pension insurance but meet the requirements for claiming the above-mentioned disability pension or disability benefits may choose to claim their monthly pension payments in advance, and the number of years for which they wish to claim payments may be determined by the worker.
Monthly pension payments are calculated based on the principal and accumulated earnings in the individual account, according to annuity life tables, average life expectancy, and interest rates (currently 1.1473%); and paid quarterly until the average life expectancy is reached.

Last Update：2026-02-10