Q：
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After the implementation of the labor insurance pension on January 1, 2009, workers in Taiwan who joined the labor insurance, can they claim one-time old age benefit in the future?
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A：
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No. If workers join the labor insurance after the implementation of the labor insurance pension, they can only apply for the “old-age pension benefit”. If the experience is less than 15 years, workers only can claim “additional old-age pension benefit”.
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Q：
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If an employee was 50 years old, and at that time the Taiwan labor pension was implemented, when can they claim the one-time old-age benefit？
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A：
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Since the eligible age for claiming the old-age pension is gradually increasing, starting from the day the labor insurance pension was implemented, it increases by a year to 61 years old in the 10th year (i.e., in 2018), and thereafter, it increases by one year every two years until it reaches 65 years old (i.e., by 2026). Therefore, assuming the employee was born in 1959 and has accumulated at least 15 years of labor insurance contributions, they can start claiming the old-age pension benefits when they turn 62 years old.
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Q：
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For Taiwanese workers who have already resigned from their job and terminated their labor insurance for many years, if they want to apply for old-age benefits at the age of 65, do they still need to get a stamp of approval from the insured unit?
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A：
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If workers have already resigned and terminated their labor insurance for many years and meet the conditions for old-age benefits, they can apply for old-age benefits in the future without needing a stamp of approval from the insured unit.
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Q：
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If a Taiwanese worker was already 60 years old in January 2010, with 25 years of insurance contributions and had already withdrawn from the labor insurance, and intended to find another job but still couldn't find one by the age of 62, how much old-age pension benefit could this worker receive?
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A：
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Although the worker has withdrawn from the labor insurance, they still meet the conditions for receiving the old-age pension benefit and can therefore apply for it using the deferred claim calculation method. For each year the claim is deferred, an additional 4% is added, up to a maximum of 20%.
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For example: If the application is made at the age of 62, with insurance contributions still at 25 years, and the calculation is based on the highest average monthly insured salary of NT$32,000 over a 60-month period. The monthly old-age pension benefit amount would be NT$32,000 × 25 × 1.55% = NT$12,400, and NT$12,400 × (1 + 4% × 2) = NT$13,392.
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Q：
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If a Taiwanese worker turned 60 years old in April 2010, with 30 years of insurance contributions and had already withdrawn from the labor insurance, but only applied for the pension in December 2010. Thus, deferring the claim for less than a year, does this mean they cannot receive an increased pension amount?
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A：
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Even though the worker deferred claiming the old-age pension benefit for less than a year, they would still receive an increase in the pension amount proportional to the actual months of deferment. The period of deferment from May to December totals 8 months, which is considered as “8 out of 12” months (0.67 years) for the calculation, with an increase applied at a rate of “0.67 years × 4%”.
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For example: Assuming the calculation is based on the highest average monthly insured salary of NT$32,000 over a 60-month period. The monthly old-age pension benefit amount would be NT$32,000 × 30 × 1.55% = NT$14,880, and NT$14,880 × (1 + 4% × 0.67) = NT$15,279.
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FAQ
