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Q：
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What is an employment insurance account?
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A：
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Employment insurance account is an account designated for the Bureau of Labor Insurance to deposit various employment insurance benefits. The funds in this account are protected from being detained, used as collateral, or subject to enforcement actions.
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Q：
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Who can open an employment insurance account？
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A：
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Insured individuals applying for various employment insurance benefits, who are concerned about their bank accounts being detained or subject to enforcement due to debt issues, can apply to the Bureau of Labor Insurance. Upon receiving a certification document (letter of consent) from the Bureau, they may open an employment insurance account at any branch of the Land Bank of Taiwan or Chunghwa Post.
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Q：
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How is an employment insurance account different from a regular account?
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A：
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The main difference between an employment insurance account and a regular account is that the employment insurance account can only receive deposits from the Bureau of Labor Insurance, such as benefits, allowances, and pensions. No other funds can be deposited into this account. While the insured cannot deposit other funds into this account, the funds in the account can be freely withdrawn in multiple transactions, just like a regular account. Additionally, interest in calculated on the deposits during the period they remain in the account, just as with a regular account.
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Q：
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Are individuals over 65 or those who have already received old-age benefits from labor insurance required to participate in occupational accident insurance if re-employed?
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A：
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Yes, according to the Article 6, Paragraph 2 of the Labor Occupational Accident Insurance and Protection Act, any worker 15 years old or older who is employed by a registered employer must be enrolled in occupational accident insurance by their employer. The previous restrictions on the maximum age for insurance and the rule prohibiting additional insurance for those receiving old-age benefits have been removed. Therefore, employees over 65 years old or those who have already received old-age benefits must still be enrolled in occupational accident insurance by their employer.
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Q：
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Can employers participate in occupational accident insurance?
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A：
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Yes, employers can voluntarily participate. According to Article 9, Paragraph 1, Item 2, and Paragraph 3 of the Labor Occupational Insurance and Protection Act, employers who are actively engaged in labor can participate in occupational accident insurance together with their employees under the same insurance unit. Once enrolled, employers are not permitted to withdraw from the insurance mid-term unless in accordance with the regulations.
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FAQ
