Q：
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Can all survivors claim the Taiwan survivor annuity?
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A：
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The purpose of the Survivor Annuity is to provide long-term support for the living expenses of the insured’s survivors. Not every family member is eligible to receive it; one must meet specific survivor qualifications.
1.
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Survivor’s Order:
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(1) Spouses and children. (2) Parents. (3) Grandparents. (4) Dependent grandchildren. (5) Dependent siblings.
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2.
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Survivor Qualification:
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(1)
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For spouses, one of the following conditions must be met:
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A. At least 55 years old, with the marital relationship lasting more than 1 year.
B. At least 45 years old, with the material relationship lasting more than 1 year, and the monthly work income does not exceed the first level of the insured salary classification table.
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(2)
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For children, one of the following conditions must be met:
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Underage, incapable of earning a living, below 25 years old, enrolled in school, and the monthly work income does not exceed the first level of the insured salary classification table.
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(3)
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For others such as grandparents, grandchildren, or siblings, they must meet the qualification criteria set by the Labor Insurance Bureau.
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Q：
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Under what circumstances can one claim the Taiwan Survivor Annuity?
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A：
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The survivor annuity can be claimed by eligible survivors under the following circumstances:
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The insured person passes away during the coverage period.
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The insured person cancels their insurance but passes away while receiving an old-age pension benefit or a permanent disability pension.
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The insured person has at least 15 years of insurance coverage and meets the conditions for the old-age benefits under Taiwan’s old system and passes away before claiming the old-age benefits.
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Q：
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How is the Taiwan Labor Insurance survivor annuity calculated if the insured passes away during the coverage period?
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A：
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The payment standard is as follows:
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Average monthly insured salary x years of coverage x 1.55%.
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A minimum guarantee of NT$3,000.
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When there are more than two survivors of the same order, an additional 25% is added for each additional person, up to a maximum of 50%.
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Q：
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How is the Taiwan Labor Insurance Survivor Annuity calculated if the insured pass away outside the coverage period?
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A：
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If the insured has either “cancelled their insurance and pass away while receiving an old-age pension benefit or a permanent disability pension or “has at least 15 years of insurance contributions and meets the conditions for the old-age benefits under Taiwan’s old system but pass away before claiming the old-age benefits.” then the eligible survivors may claim the Survivor Annuity.
The payment standard is as follows:
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50% of the amount calculated according to the permanent disability pension or old-age pension benefit standards.
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A minimum guarantee of NT$3,000.
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When there are more than two survivors of the same order, an additional 25% is added for each additional person, up to a maximum of 50%
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Q：
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What are the eligibility criteria and payment standards for Taiwan’s family death benefits?
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A：
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(1)
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Eligibility Criteria: The insured person’s parents, spouse, or children, if deceased, are eligible for the death of family member funeral allowance.
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(2)
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Payment Standards: The payment is based on the insured person’s average monthly insured salary for the six months preceding the month of the family member’s death (inclusive):
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(a) For the death of parents or spouse: 3 months’ worth.
(b) For children over 12 years old: 2.5 months’ worth.
(c) For children under 12 years old: 1.5 months’ worth.
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