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Upon the occurrence of a contingency covered by the insurance after the beginning and before the end of the effective period of the insurance, an insured person or his beneficiary may claim insurance benefit payments pursuant to the provisions of this Act.
Insurance benefits payable in cash shall be computed on the basis of the insured's average monthly insurance salary and benefit standard. If the insured is employed by more than two insured units at the same time, the monthly insurance salary could be combined for computing his/her ordinary insurance benefit, however, the combined monthly insurance salary shall not exceed the highest level in the "Table of Grades of Insurance Salary for Labor Insurance". Furthermore, for those who continuously join the insurance in less than 30 days, the insurance salary shall not be combined.
The calculating method for the average insurance salary in the former paragraph is as following:
1.The average monthly insurance salary for Pension benefit and a lump sum old-age benefit: It is calculated by averaging the highest sixty monthly insurance salary during the period of joining insurance coverage; for those who joining the insurance for less than five years, it would be calculated using the average monthly insurance salary for the actual insurance period. But for those who choose to claim a lump sum old-age benefit according to paragraph 2 of article 58, it is calculated by averaging the actual monthly insurance salary of the previous three years prior to the month the insured terminates the insurance; for those who has joined the insurance for less than 3 years, it is calculated using the average monthly insurance salary for the actual insurance period.
2.The average monthly insurance salary for other benefit payable in cash: It is computed on the basis of average monthly insurance salary for the last six months prior to the month in which the insured contingency occurs; In case an insured person is paid on a daily-salary basis, his/her insurance benefits shall be determined by dividing his/her average monthly insurance salary by thirty.
For the calculation of insurance benefit standard I paragraph 2, if the insured who has joined the insurance for less than one year, it is calculated proportionally using the actual number of months for joining the insurance; for less than 30 days, it is calculated as one month.
In case an insured person is a full-time fisherman, aviation or navigation worker, or a mine-worker, and is declared missing as a result of an accident which occurred in the course of fishing, aviation, navigation, or mining as the case may be, in addition to the insurance benefit claims under this Act, a special missing allowance equivalent to seventy percent (70%) of his average monthly insurance salary shall be payable at the end of every three-month period from the day the insured person is declared missing in the census registry until the day prior to (1) his return alive, (2) the expiration of one year after he was declared missing, or (3) he is declared dead by law, whichever happens first.
In case an insured person has been missing for one year or has been declared dead by law, a claim for death benefit may be made in pursuance to the provisions of article 64.

For within one year after an insurance policy has been terminated, an insured person shall remain entitled to injury or sickness benefits, disability benefits, death benefit or occupational accident medical care benefits for an injury or sickness and the disease it causes occurred during the period of his insurance policy.
For within one year after an insurance policy has been terminated, an insured person who is pregnant during the period of her insurance policy, and conforms to the provisions of coverage days stipulated in the 1st or 2nd subparagraph of the 1 st paragraph of Article 31 of the Act, shall be entitled to maternity benefits for childbirth or premature due to the pregnancy.

Where it is confirmed after an insured person terminates the insurance that he/she got a kind of occupational disease during the valid period of the insurance, he/she may claim the occupational permanent disability benefits.
The regulations of the objects of the above-mentioned payment, kinds of occupational diseases, determination procedure, calculation of the amount payable and other related affairs shall be prescribed by the competent central authority.

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No insurance benefits may be claimed repeatedly for same contingency.

An insured person, his beneficiary, or any other interested person shall be entitled to no insurance benefits other than funeral grant for a covered contingency incurred intentionally for the purpose of receiving insurance benefits.

In case an insured unit intentionally files an application for person ineligible under the provisions of this Act to participate in the insurance program and to receive insurance benefits for or on behalf of such a person, the insurer shall take legal action to recover the insurance benefits paid to the ineligible insured person, but also to nullify his qualifications.

The insurer shall not be responsible for paying insurance benefits either to an insured person who refuses without adequate reason to submit to examination by a specially contracted hospital or clinic, or who refuses to submit, upon request, any required documents. The same applies to the beneficiary of an insured person who refuses to submit the required documents.

No insurance benefits shall be payable for a contingency incurred by war or civil commotion, or by an intentional criminal act committed by the insured person, his father, mother, son, daughter, or spouse.

An adopted son or daughter shall not be entitled to receive insurance benefits in case the adoption registration has been less than six months at the time when the contingency occurs.

Where deemed necessary for the insurer to audit insurance benefit or for the Labor Insurance Supervisory Commission to settle disputed cases, the insurer or the Commission may request the insured person, beneficiary, insured unit, hospital, clinic, or the physicians or midwifes who hold the certified license, to submit a report, or check the patient data, salary account books, examination and chemical test records or diagnosis radiographs (Ｘ-ray photos) as well as other related documents, and the insured person, beneficiary, insured unit, hospital, clinic, or the physicians or midwifes may not deny such request or check.

The title of an insured person, the beneficiary or person who pays for funeral expenses to all kinds of insurance benefits may not be assigned, offset, attached or mortgaged.
The persons, when applying for the insurance benefits per stipulations provided by the act, may present the proof of documentation the insured has issued to open a designated account at a financial institution exclusively for depositing the insurance benefits.
The deposit held in the above exclusive account may not be used as the instrument for offsetting, seizure, or as guarantee or court seizure.
In the event the insured person had received insurance benefits that were revoked or abolished by the insurer and did not repay the amount, the insurer may have the amount deducted from insurance benefits claimed by the insured person or his/her beneficiary.
An insured person who has not repaid interest on a loan referred to Subparagraph (4), Paragraph 1 of article 67 shall have the amount deducted from insurance benefits claimed by the insured person or his/her beneficiary.
The following regulations do not apply to unpaid interest on a loan in the preceding paragraph, and traces back to January 22nd, 2003:
1.Regulations on debt exemption stipulated in the Consumer Debt Clearance Act.
2.Regulations on debt exemption stipulated in the Bankruptcy Act.
3.Regulations on extinguishment of time limitation for claims in accordance with relevant laws.
The measures governing the type, method and amount of relevant deductibles on the insurance payout related to par IV and par V shall be defined by central competent authorities.
The insurer shall send written notices each year to an insured person or his/her beneficiary who has not repaid interest on a loan referred to Subparagraph (4), Paragraph 1 of article 67, and request that the person complete repayment in accordance with regulations.

Insurance benefits to be disbursed in cash as prescribed in the Act shall be paid within 15 days after the insurer makes the final confirmation; pension benefits shall be paid before the end of the following month. If overdue payment is attributable to the insurer, an interest shall be added to the benefits for the period delayed.

A claim for insurance benefits shall be extinguished if not filed within five years from the day on which the benefits become payable.

In case an insured person has one of the following conditions, she may claim to receive maternity benefits:
1.childbirth occurring more than 280 days after her insurance coverage;
2.premature labor occurring more than 181 days after her insurance coverage; or
3.miscarriage occurring more than 84 days after her insurance coverage.
In case of childbirth, premature labor, or miscarriage of the spouse of an insured person, claims may be made pursuant to the provisions of the preceding paragraph.

Maternity benefits are payable according to the following provisions:
1.In case of childbirth or premature labor of an insured person, or the spouse of an insured person, a lump sum payment of delivery expenses shall be made equivalent to 30 days' salaries computed on the basis of the average monthly insurance salary of the insured person, in case of miscarriage, the payment shall be reduced by fifty percent.
2.In case of childbirth or premature labor of an insured person, she shall receive, in addition to delivery expenses, a lump sum maternity benefit equivalent to 60 days' salaries computed on the basis of her average monthly insurance salary.
3.In case of a plural birth resulting from childbirth or premature labor, delivery expenses and maternity benefit shall be increased proportionately.
In case of difficult labor when the insured person has already claimed hospitalization benefits, delivery expenses shall no longer be payable.
For those insured persons who are also eligible for maternity benefits under related social insurance programs, or for military, civil and educational personnel who also qualify for national maternity allowances, they have to choose one type of maternity benefits or allowances only. However, those covered by the farmers’ health insurance are not limited by this rule.

In case an insured person is not receiving salary payment on account of an ordinary injury or sickness for which he is hospitalized and under medical treatment, he shall be paid ordinary injury or sickness benefits beginning from the fourth day on which he is incapacitated for work.

In case an insured person is not receiving salary payment on account of injury or occupational disease incurred on duty for which he is receiving medical treatment, he shall be paid occupational injury or disease compensation beginning from the fourth day on which he is incapacitated for work. The List of Occupational Diseases is attached hereto as Exhibit 1.
The Regulations for examining injury or sickness incurred on duty shall be prescribed by the competent central authority.

Ordinary injury or sickness benefits shall be payable at the rate of fifty percent of the average monthly insurance salary of an insured person, and payable once every half month for the maximum period of six months, provided that such benefits shall be payable for an additional six months in case the insured person has at least one full year of insurance coverage prior to the occurrence of the injury or sickness.

Occupational injury or disease compensation shall be payable at the rate of seventy percent of the average monthly insurance salary of an insured person, and payable every half month for the maximum period of six months. In case the insured person has not recovered from the injury or disease after one full year, the compensation shall be reduced to fifty percent of the average monthly insurance salary for the maximum period of one year.

In case an insured person has received all payments of such insurance benefits provided in the preceding two Articles during the period of injury or sickness, and continues to participate in the insurance scheme after recovery, he shall be entitled to claim injury or sickness benefits according to the regulations in case the contingency arises.

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Medical care benefits consist of outpatient medical care benefits and inpatient hospitalization benefits.

With a view to protect the health of the insured persons, the insurer shall set up regulations to prevent the occurrence of occupational diseases.
The regulations referred to in the preceding paragraph shall be presented to the competent central authority for approval.

An insured person who has been injured or sick may apply for medical care by a hospital or clinic operated or specially contracted by the insurer.

The sphere of outpatient medical care benefits consists of the following:
1.Diagnostic services (including laboratory examination and medical consultation);
2.Pharmaceutical services and the supply of therapeutic materials; and
3.Treatment, operation or medical care.
Ten percent of the preceding expenses shall be paid by the insured person, provided that they do not exceed the maximum amount allowed by the competent central authority.

In case the diagnosis given by the hospital or clinic operated or specially contracted by the insurer decides that the insured person who conforms to one of the following conditions shall be hospitalized, his insured unit shall make such an application on his behalf, except when an insured person is already hospitalized on account of emergent injury or sickness:
1.Where an occupational injury has been sustained;
2.Where an occupational disease has been afflicted;
3.Where an ordinary injury has been inflicted; or
4.Where the insured person has accumulated insurance coverage for more than 45 days before he applies for hospitalization treatment on account of an ordinary sickness.

Where the insured person gets an occupational injury or disease, the insured unit shall fill in a clinic note of occupational disease or a letter of application for hospitalization (hereinafter referred to as "the Clinic Note or Application Letter for Occupational Disease") to apply for diagnosis and treatment;in case the insured unit doesn't produce the note or letter, the insured person may request the insurer to issue, and the insurer shall grant the note or letter after the case is confirmed.
Where the insured person has not the above-mentioned Clinic Note or Application Letter for Occupational Disease and is diagnosed to have got an occupational disease, the doctor may produce a clinic note of occupational disease. The acquisition and loss of the qualification to produce such note as well as the application and use of the clinic note shall be prescribed out by the insurer, and reported to the competent central authority for approval and issue.

Hospitalization care benefits shall include the following:
1.Diagnostic services (including laboratory examination and medical consultation);
2.Pharmaceutical services and the supply of therapeutic materials;
3.Treatment, operation or medical care;
4.Fifty percent of food expenses within 30 days; and
5.Hospital bed belonging to the same category as the Government Employees' Insurance Scheme.
The insured person shall be responsible to pay for five percent of the expenses referred to in subparagraphs (1) to (3) inclusive and subparagraph (5) of the preceding paragraph, provided that they do not exceed the maximum amount allowed by the competent central authority.
In case an insured person personally wishes to stay in a hospital bedroom of a higher category, he shall be responsible to pay for such additional expenses, besides the expenses referred to in the preceding paragraph.
The enforcement day and regulations of paragraph two of this article and paragraph two of article 41 shall be decided after they have been approved by the Legislative Yuan.

Medical care benefits shall not include legally declared epidemics, leprosy, narcotic addictions, birth deliveries, miscarriages, plastic surgery, artificial teeth, artificial eyes, eyeglasses or their accessories, patient transportation, special nurses, blood transfusions, registration fees, charges for documents, treatments for which facilities are not available at the hospital or clinic, or items which are not referred to in Articles 41 or 43, except in the case of blood transfusion in the emergency treatment of an insured person deemed by the hospital operated or specially contracted by the insurer to be strictly necessary.

In case an insured person has been receiving inpatient hospitalization care for an injury or sickness for more than one month, the hospital concerned shall file an application for further hospitalization of the insured person once every month.
In case an insured person receiving inpatient hospitalization care in a hospital operated or specially contracted by the insurer is recommended after due diagnosis to leave the hospital for convalescence elsewhere, he shall do so as soon as possible, or be responsible to pay for the cost of further hospitalization care himself.

An insured person shall have the option to receive medical care at any hospital or clinic operated or specially contracted by the insurer, unless otherwise specially provided.

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An insured person who has received medical care benefits during an effective coverage period shall remain entitled to insurance benefits of other categories.

All medical expenses incurred by an insured person shall be payable by the insurer directly to the hospital or clinic operated or specially contracted by the insurer, and shall not be payable to an insured person in cash.

All public hospitals or clinics located in an area in which this Act is applicable shall be recognized as hospitals or clinics specially contracted by the insurer for medical treatment under the labor insurance scheme, provided they are above the required standards. Hospitals or clinics operated by an insured unit or a private agency may apply to the insurer to become specially contracted for medical treatment of insured persons under the labor insurance scheme, provided they are above the required standards.
Regulations for the special contracting with and operation of hospitals or clinics specially contracted by the insurer for the labor insurance scheme referred to in the preceding paragraph shall be prescribed by the competent central authority in consultation with the competent central health authority.

A specially contracted hospital or clinic offering out-patient or inpatient hospitalization services shall charge an insured person for medical expenses due in accordance with the Schedule for the Payment of Medical Expenses in Labor Insurance, and the Schedule of sable Medicines and Their Prices.
The Schedule for the Payment of Medical Expenses in Labor Insurance, and the Schedule of Usable Medicines and Their Prices referred to in the preceding paragraph shall be prescribed by the competent central authority.
The medical expenses referred to in preceding paragraph 1 shall be subject to review by a screening committee consisting of various categories of doctors and pharmacists appointed by the insurer. The regulations concerning such a review shall be prescribed by the competent central authority.

In case an application for outpatient or inpatient hospitalization services filed by an insured unit is deemed not to have conformed with the provisions governing insurance benefits, medical care benefits, or hospitalization care benefits, or in case of misrepresentations in the application forms, or in case the application forms are given to noninsured persons for use, the insured unit shall be responsible for paying all the medical expenses incurred.
In case the medical care given by a specially contracted hospital or clinic does not fail within the sphere of medical care benefits, the medical expenses so incurred shall be borne by the hospital or clinic concerned or by the insured person himself.

In case an insured person suffers from ordinary injury or sickness and the person's condition is stable after medical treatment but no improvement could be expected for further treatment, and if the person is diagnosed to be permanently disabled by the insurer's own hospital or qualified hospital and the disability comply with the disability benefit standard regulation, the insured person could claim disability benefit according to his/her average month insurance salary and stipulated benefit payment standard.
If the insured person has the situation as described in previous paragraph or the insured person is physically or mentally disabled as stipulated in People with Disabilities Rights Protection Act, and is examined as no capability to work permanently, the insured person could claim for disability pension benefit. The disability benefit standard is calculated based on the insured's insurance coverage years. 1.55% of the insured's average monthly insurance salary is granted for every single insurance coverage year; if the total amount is less than four thousand NT dollars, four thousand NT dollars will be granted to the insured person.
For the insured person as stipulated in previous two paragraphs and has insurance coverage year in National Pension, the pension benefit could be assessed separately according to different insurance regulations and issued by the insurer jointly and the fund needed is supplied by individual insurance.
If a person has insurance coverage year before the enforcement of the amendments of this Act on July 17, 2008 and his/her condition complies with the regulations in second paragraph, other than claiming for pension according the regulations in previous two paragraphs, the insured person could also choose to claim for a lump sum disability benefit, however, if such claim has been made and the benefit paid by the insurer, it could not be changed.

In case an insured person suffers from occupational injury or disease and the person's condition is stable after medical treatment but no improvement could be expected for further treatment, and if the person is diagnosed to be permanently disabled by the insurer's own hospital or qualified hospital and the disability is qualified to claim a lump sum disability benefit standard regulation, the insured person could claim disability compensation according to his/her average month insurance salary and stipulated benefit payment standard with 50% extra benefit.
If the insured person in previous paragraph is examined as no capability to work permanently and has claimed for disability pension benefit, other than granting the pension according to the regulation in article 53, an extra twenty month occupational injury or disease disability compensation based on the insured's average monthly insurance salary should also be issued.

The central competent authority shall define the type, status and severity of the disabilities described in the two preceding articles, the corresponding benefit amounts, the level of medical institutions to issue the diagnoses, and the reviewing criteria.
The central competent authority shall establish the standards of individual work capacity evaluation to be conducted by specialists to serve as the basis for disability pension payment.
The mechanism for individual work capacity evaluation by specialists described in the preceding paragraph shall take effect five years after promulgation of the amendment made to the Act on Jul. 17, 2008.

For those who claim for disability pension benefit and have family dependants who comply with the following criteria, an extra 25% family dependant allowance on the amount calculated using the regulation in article 53 should be issued for every dependant with the maximum of 50% extra:
1.The spouse should be more than 55 years of age and the conjugal relationship has existed for more than one year. However, the above regulation does not apply if any following condition exists:
（1）incapable of earning a livelihood.
（2）raising children as stipulated on subparagraph 3.
2.The spouse should be more than 45 years of age and the conjugal relationship has existed for more than one year and the spouse's monthly work income does not exceed the amount defined in the first level of Table of Grades of Insurance Salary.
3.The dependent children should comply with at least one of following criteria. As for adopted children, the adoption relation should have been existed for more than six months:
（1）minority;
（2）incapable of earning a livelihood;
（3）under the age of 25 and still goes to school with monthly work salary does not exceed the amount defined in the first level of Table of Grades of Insurance Salary.
The definitions of the incapable of earning a livelihood as stipulated in the previous paragraph will be stipulated by the competent central authority.
The extra family dependant allowance will be terminated if the dependent stipulated in paragraph one has the following condition:
1.Spouse:
（1）Re-married
（2）less than 55 years of age and the children he/she supports does not conform with the regulation in the third subparagraph of first paragraph in this Article.（（3）doesn't conform with the claiming regulation defined in the second subparagraph of first paragraph in this Article.
2.The dependent children don't conform to the claiming regulation defined in the third subparagraph of first paragraph in this Article.
3.Currently serving sentences in a prison, or, being detained or imprisoned because of criminal cases.
4.Disappearance
The imprisonment described in the third subparagraph of previous paragraph means personal freedom was deprived of or limited to due to the execution of sentences of detention, custody, observatory rehabilitation, compulsory rehabilitation, rehabilitative measures or correctional measures in specific locations. But people under the execution of protective correction, wanted but not yet arrested, medication after being bailed out, or currently under parole are not included.

In case an insured person was originally partially-disabled and a new injury or sickness not only has aggravated his/her disability on the same part or caused disability to another part of his/her body, the insurer should grant disability benefit according to disability benefit payment standard and the degree of disability aggravated . However, the total could not exceed the first degree of the benefit standard.
If the insured person in previous paragraph conform with criteria for granting the disability pension and has claimed disability pension, insurer should issue 80% of the disability pension amount to the insured every month until 50% of the amount of a lump sum disability benefit calculated based on the original partial disability is completely deducted.
For the insured person in previous two paragraphs who are partially disabled while the insurance is still effective but has not claimed disability benefit, the insurer should issue disability benefit according to the disability benefit standards and the degree of disability after the disability is aggravated. However, the total should not exceed the first degree of the benefit standard.

If, in reviewing a claim for permanent disability benefits, the insurer deems it is necessary to conduct a re-examination, another hospital or doctor may be appointed for the re-examination and the fee for the re-examination is the obligation of insurance fund.
After the insured person claimed and got disability pension, the insurer should review the degree of disability at least every five years. However, this rule doesn't apply if the insurer think there is no need to review the disability.
If the insurer reviews the degree of disability on those who have claimed disability pension according to the former paragraph and finds the disability has been reduced and does not conform to the criteria for claiming disability pension, the insurer should stop issuing disability pension benefit and grant a lump sum disability benefit.

In case an insured person is evaluated to be incapable of earning a livelihood and has claimed disability benefits, the insurer may withdraw insurance coverage immediately.

An insured person who is at least 60 years of age and has any of the following conditions may claim to receive old-age benefits:
1.An insured person whose insurance coverage year reached over fifteen could claim for old-age pension benefit.
2.An insured person whose insurance coverage year has not reached fifteen could claim for a lump sum old-age benefit.
For those who already have insurance coverage years before the promulgation and enforcement of the amendments for this Act on July 17, 2008 and conform to any one of the following regulations, the insured not only could claim for old-age benefit according to the regulation in preceding paragraph, he/she could also choose to claim for onetime payment of old-age benefit. However, if the insurer has approved the onetime payment, it could not be changed anymore.
1.An insured person at least sixty years of age or a female insured person at least fifty-five years of age who has been insured for at least one year and resigns;
2.An insured person whose insurance coverage reached over fifteen, who is at least fifty-five years of age and resigns;
3.An insured person who has been insured in the same insured unit for over twenty-five year and resigns; or
4.An insured person whose insurance coverage reached over twenty-five years, who is at least fifty years of age and resigns;
5.An insured person who has been employed for more than five year in physical hard labor, work of special character and who is at least fifty-five years of age and resigns.
An insured person who has claimed and received old-age benefits according to the preceding two paragraphs should be discharged from this labor insurance.
The insured claim for old-age benefit is not bounded by the regulation of article 30.
On the tenth year after this amendment is promulgated and enforced on July 17, 2008, the age limit for claiming old-age benefit in first paragraph will be increase by one year and then the limit will be raised by one year for every two years until the limit reaches 65 years of age.
An insured person who has received old-age benefits may no longer participate in the labor insurance.
An insured person who has been employed for more than fifteen years in dangerous, physical hard labor or work of special character and is at least fifty-five years of age and resigns could claim for old-age benefit and is not bounded by the regulations in fifth subparagraph of this article and article 58-2.
The meaning of dangerous, physical hard labor or work of special character in the fifth subparagraph of second paragraph and previous paragraph is to be defined by the competent central authority.

Old-age pension benefit will be calculated and chose one based on the most advantageous method of the following:
1.The monthly pension amount is calculated as 0.775% of average monthly insurance salary for each single insurance coverage year plus 3,000 NT dollars.
2.The monthly pension amount is calculated as 1.55% of average monthly insurance salary for each single insurance coverage year.

Insured persons who have conformed with the old-age benefit claiming criteria in first subparagraph of first paragraph and fifth paragraph of article 58 but have postponed in claiming the old-age pension benefit, extra 4% of the pension benefit amount calculated using the method in preceding article will be granted for each year of pension benefit claiming postponement with the upper limit of 20% extra.
An insured person who has more than fifteen years of insurance coverage but doesn't reach the claiming age stipulated in first paragraph and fifth subparagraph of article 58 could claim for old-age pension benefit within five years in advance. However, 4% of the pension benefit amount calculated using the method in preceding article will be deducted for each year of pension benefit claiming advancement with the upper limit of 20% deduction.

An insured person who claims a lump sum old-age benefits payment in accordance with the provisions of subparagraph two of paragraph 1 and paragraph 2 of article 58 shall receive one-month's old-age benefits for each one of his/her insurance coverage years computed on the basis of his/her average monthly insurance salary; in case the insured person's insurance coverage year exceeds fifteen years, the insured person shall receive two-month's old-age benefits for each one of the excess years, provided that the maximum amount of old-age benefits payment shall not exceed forty-five months of insurance salaries.
In case an insured person continues to work after attaining sixty years of age, his/her insurance coverage above that age shall not exceed five years. The maximum benefit payment amount shall not exceed fifty month's insurance salaries including the old-age benefits receivable before he/she attained sixty years of age.

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In the event of death of the father, mother, spouse, or child of an insured person, he may claim funeral grant pursuant to the following provisions:
1.Three-months' salaries on the basis of his average monthly insurance salary in the event of the death of his father, mother, or spouse;
2.Two-and-a-half months' salaries on the basis of his average monthly insurance salary in the event of the death of his child It least twelve years of age, or
3.One-and-a-half months' salaries on the basis of his average monthly insurance salary in the event of the death of his child less than twelve years of age.

In the event of the death of an insured person during the effective period of the insurance, the person who pays for the funeral could claim for funeral grant, furthermore, the insured person's spouse, child, parents, grandparents, or dependent grandchildren, brother(s) or sister(s) may also claim for survivor's benefits.
The provisions for the survivors in previous paragraph to claim for survivor's benefit are as follow:
1.Spouse that conform to the regulations in first or second subparagraph of first paragraph of article 54-2.
2.Children that conform to the regulations in third subparagraph of first paragraph of article 54-2.
3.Parents and grandparents who are at least fifty-five years of age and the monthly work salary do not exceed the first level in Table of Grades of Insurance Salary.
4.Grandchildren that conform to either one of the condition in the regulations of first item to third item of third subparagraph of first paragraph of article 54-2.
5.Brothers and Sisters that conform to one of the following criteria:
（1）has the situation in the regulations of first item to third item of third subparagraph of first paragraph of article 54-2.
（2）are at least fifty-five years of age and the monthly work salary do not exceed the first level in Table of Grades of Insurance Salary.
For the insured person in paragraph one and already has insurance coverage years before the promulgation and enforcement of the amendments for this Act on July 17, 2008, the survivors of the insured not only could claim for pension according to the regulation in preceding paragraph, the survivors could also choose to claim for a lump sum survivor grant excluding the limits in preceding criteria. However, if the insurer has approved the onetime payment, it could not be changed anymore.

In case the insured person dies during the period of cancelling the insurance, receiving disability pension or old-age pension, the survivors of the insured who conform to the regulations in the second paragraph of previous article could claim for Survivors' pension Benefit.
For the insured person in preceding paragraph who already has insurance coverage years before the promulgation and enforcement of the amendments for this Act on July 17, 2008, his/her survivors not only could claim for pension benefit according to the preceding paragraph, they could also choose to claim a lump sum disability benefit or old-age benefit after deducting the amount of pension already received free of the limitation in second paragraph of preceding Article, however, once the amount is approved and paid by insurer, it could not be changed any more.
In case of insured person who already has at least fifteen years of insurance coverage and conform to the regulations defined in second paragraph of article 58, and die before claiming old-age benefit, the survivors of the insured who conform to the regulations in second paragraph of previous article could claim for Survivors' pension Benefit.
For the insured person in preceding paragraph who already has insurance coverage years before the promulgation and enforcement of the amendments for this Act on July 17, 2008, his/her survivors not only could claim for pension benefit according to the prec

The benefit standards for the funeral grant, Survivors' pension and survivors' allowance stipulated in the previous two articles are as follows:
1.Funeral Grant: Five-months survivors' benefits shall be payable in one lump sum on the basis of insured person's average monthly insurance salary. If his/her survivors do not qualify to claim Survivors' pension benefit or survivors' allowance or the insured doesn't have any living survivor, a ten-months survivors' benefit shall be payable in one lump sum on the basis of insured person's average monthly insurance salary.
2.Survivors' Pension:
（1）Claiming for Survivors' pension according to the regulations in article 63: It is calculated based on 1.55% of the average monthly insurance salary for every insurance coverage year of the insured person.
（2）Claiming for Survivors' pension according to the regulations in preceding article: Half of the amount of disability pension or old-age pension should be payable to the survivors.
3.Survivors' allowance:
（1）Ten-months survivors' benefits shall be payable in one lump sum on the basis of the insured person's average monthly insurance salary in case his/her insurance coverage is less than one full year;
（2）Twenty-months survivors' benefits shall be payable in one lump sum on the basis of the insured person's average monthly insurance salary in case his/her insurance coverage is at least one full year but less than two full years; or
（3）Thirty-months survivors' benefits shall be payable in one lump sum on the basis of the insured person's average monthly insurance salary in case his/her insurance coverage is at least two full years.
If the amount of Survivors' pension in second subparagraph of preceding paragraph is less than 3,000 NT dollars, then 3,000 NT dollars shall be granted.
In case there are at least two survivors listed on the same payment order, 25% more of the standard survivor's pension payments will be granted for every extra survivor. The maximum extra payment will be 50% of the standard payment.

The survivors should pick one to apply when they are qualified for at least 2 types of survivor's pension payments.
Recipient of this Act's funeral grant, survivor pension benefit and survivor allowance is limited to one person only. In case there are at least two persons who are qualified to claim the benefits, they should jointly claim the benefits. If they don't jointly claim the benefits or another qualified person submit a claim before the insurer approve the claim, the insurer should notify the applicants to negotiate and elect one of them to represent them in drawing the claim. When the qualified survivors could not or unable to reach an agreement, the total amount of calculated highest amount of funeral grant, survivor allowance and survivor pension would be evenly distributed among the applicants.
Should there are at least two qualified person on the same claiming order and one of them has claimed survivors' pension benefit, the benefits should be granted. If they jointly agree to claim a lump sum benefit according to third paragraph of article 63 and second and fourth paragraph of article 63-1, the benefits would be granted according to their agreement.
After the insurer has granted survivors' benefit according the preceding two paragraphs, if there is any qualified survivor with the same claiming order, the survivor who draws the benefits should be responsible to distribute the benefits to other qualified survivors with the same claiming order.

Survivor's pension payments shall be suspended if the survivors have one of the following condition during the receiving period:
1.Spouse:
（1）Re-married;
（2）is less than 55 years of age and the children he/she supports are not qualified for the application conditions stipulated in second subparagraph of second paragraph of article 63;
（3）doesn't conform to the claiming criteria stipulated in first subparagraph of second paragraph of article 63.
2.Children, parents, grandparents, grandchildren, brothers and sisters who don't conform to the claiming criteria in second to fifth subparagraph of second paragraph of article 63.
3.Should there is any condition as described in third and fourth subparagraph of third paragraph of article 54-2.

In case the insured person's death caused by occupational accident, the person who pays for the funeral expenses could claim for funeral grant according to first subparagraph of paragraph one of article 63-2, and the survivors who conform to the regulations in paragraph two of article 63 could claim for Survivors' pension benefit and a ten-month occupational accident compensation based on the insured's average monthly insurance salary.
In case the survivors of the insured person in preceding paragraph claim for a lump sum survivors' allowance according to the third paragraph of article 63, a forty-month based on the insured's average monthly insurance salary should be granted.

Survivors' pension benefits and survivors' allowance shall be payable to the entitled survivors(s) according to the order prescribed below:
1.spouse, son and/or daughter;
2.father and/or mother;
3.grandfather and/or grandmother;
4.grandson and/or granddaughter;
5.brother(s) and/or sister(s).
Survivors listed on the rear order as stipulated in the previous paragraph are not entitled to apply for survivor's pension benefits or survivor's allowance if survivors listed on the front still exist.
Should the survivors listed in first order are all disqualified for the survivor's pension payments or having one of the following conditions when there is no survivor qualified in the same order, the survivors in the second order could claim for survivor's pension benefit:
1.die while claiming the survivor pension benefit;
2.nowhere to be found or are in overseas;
3.submit a claiming waiver;
4.don't submit an application within one year when qualified for claiming benefits.
When the survivor in the first order of previous paragraph claim the benefits or re-conform to the claiming criteria, the benefit would not be granted to other survivors and the survivors in the first order could claim the benefits; however, if the benefits are already granted to the survivors in the second order, the benefits would not be reissued to the survivors in the first order.

The insured person or his/her beneficiary who conform to the claiming criteria of pension benefit should fill in an application and attach the related documents to apply to the insurer.
When the insured person or his/her beneficiary in previous paragraph has been examined by insurer as qualified, the pension will be issued monthly from the month of the application until the month of pension termination.
In case the beneficiary of survivor's pension doesn't submit application on the month they qualify for the benefits, the insurer should reissue the benefits to those who are entitled tracing back to five years before they submitted the application. However, for the part which already claimed by other beneficiary would not be included.

The insurer may verify the benefit applications made by the insured person or the survivors and suspend payment during the verification period. Once applications are verified and approved, payment during the suspension period shall be paid and regular payments shall resume.
Once recipients are not qualified for receiving pension payments or die, they themselves or the heir at law should present related documents and notify the insurer within 30 days since the happening of the above facts. Pension payments will be terminated from the next month of the happening of the above facts.
When benefit recipient dies and the payable benefit is not yet wired into the recipient's account, the heir at law is entitled to present the copy of household registration transcript which marked the death of the applicant and the copy of household registration transcript for the heir at law to apply for the receiving of payment. When there are more than one people as the heir at law, they shall present warrant of joint-attorney and a recognizance entrusting one of them to apply for the receiving of the payment.
When over pension payments resulted from recipient's failure or the failure of heir at law to notify the insurer according to Paragraph 2, the insurer shall send written notices to the recipient of the over payment requesting　repayment within 30 days. The insurer is also entitled to deduct the over payment from the account used in receiving the benefits.

The insured person or his/her beneficiary is entitled to apply for only one kind of benefits if he or she is qualified for disability pension, old-age pension payments, or survivor's pension benefit at the same time.

The amount of pension for this insurance will be adjusted according to the accumulated growth rate of Consumer Price Index published by the Budget, Accounting and Statistics institutions in the central government if the accumulated rate reaches 5%.

Should Insurer or Labor Insurance Supervisory Commission needs some necessary data for handling this insurance business, they could contact related government agencies to supply related data and those agencies could not reject such request.
The insurer or Labor Insurance Supervisory Commission should ensure the safety check on the operation of information. All keeping, processing and utilization of such information shall follow the regulations of the Protective Laws of Computer Processed Personal Information. .