Q：
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Will there be any difference in relevant rights and interests after individualized professional evaluation in Taiwan?
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A：
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No. Whether it is a disability item that belongs to the "lifelong incapacity to work" in the standard schedule for disability benefits, or whether you receive disability annuity benefits after individualized professional assessment, the calculation method of the benefit amount and related rights and interests are the same.
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Q：
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Can I still add insurance while receiving Taiwan Disability Annuity benefits? Can I still receive old-age benefits?
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A：
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No. Regardless of whether the degree of disability falls into the "lifelong incapacity to work" category in the disability benefit standard schedule, or the person meets the conditions for annuity benefits after individualized professional assessment, when receiving disability annuity benefits, both must surrender the policy and are not allowed to continue. Additional insurance.
Since those who receive disability annuity benefits no longer work, if they meet the conditions for claiming disability, old-age or death benefits at the same time, they can only choose one to claim.
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Q：
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Who can apply for Taiwan disability annuity benefits?
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A：
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If the insured suffers an injury or illness, or is a person with a disability as defined in the Law on the Protection of Rights and Interests of the Disabled, and is assessed as permanently incapable of working, he or she can claim disability annuity benefits.
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Q：
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How are disability annuity benefits calculated in Taiwan?
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A：
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(1) Benefit standards
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Average monthly insured salary × seniority × 1.55%.
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Minimum guarantee is 4,000 in TWD.
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If an occupational accident occurs and the person is assessed to be permanently incapable of working, in addition to the annuity, an additional 20-month “occupational accident disability lump-sum payment” will be provided.
(2) Example: Suppose Ms. Zhang is assessed as permanently incapable of working, has insurance coverage of 20 years and more than 6 months, and has an average monthly insured salary of 32,000 in TWD.
※The monthly disability annuity amount that can be received is: 32,000 × (20 + 7/12) × 1.55% = 10,208 in TWD.
※If Ms. Zhang suffered an occupational accident, additional payment will be: 32,000 × 20 months = 640,000 in TWD.
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Q：
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The insured suffered severe disability while participating in Taiwan Labor Insurance and is eligible to claim disability annuity benefits. If he has participated in the National Insurance for 5 years, can it be calculated together?
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A：
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(1) If the insured person under labor insurance is assessed as permanently incapable of working and claims disability annuity benefits, if he has national insurance seniority, the "labor insurance disability annuity" and "labor insurance disability annuity" and "labor insurance disability annuity" and "labor insurance disability annuity" can be calculated separately according to the provisions of labor insurance and national insurance. National Insurance Disability Pension”.
(2) For example: Assume that Mr. Wu has been assessed as permanently incapable of working, has 20 years of labor insurance coverage, and an average monthly insured salary of 32,000 in TWD; and 5 years of national insurance coverage, with a monthly insurance coverage of 19,761 in TWD (January 1, 2023 Starting from 2020, the monthly national insurance amount will be adjusted to 19,761 in TWD).
※The amount of "Labor Insurance Disability Annuity" that can be received every month: 32,000 × 20 × 1.55% = 9,920 in TWD.
※The amount of "National Insurance Disability Pension" that can be received every month: 19,761 × 5 × 1.3% = 1,284 in TWD.
※Total monthly amount: 11,204 in TWD.
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