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Dictionary / Investment / 保險專欄 /

什麼是勞保老年給付

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    什麼是勞保老年給付

    ???「勞保老年給付」是投保勞保的勞工,只要年滿六十歲,就可領取。以前的老年給付是採取基數制的一次金:投保前十五年每年累積一個基數,第十六至卅年每年兩個基數,服務卅年可領四十五個基數,隨後即使再工作也不增加。一次金的數額,就是基數的數目乘以平均投保薪資(最後卅六個月平均)。

    今年 2009 元月起勞保年金制上路:只要投保滿十五年,可領月退(年金),是平均投保薪資(最高六十個月平均)乘以年資數,再乘以所得替代率百分之一點五五。投保年資不足十五年,則發給一次金:數目字是平均投保薪資乘以年資數。不過未來勞保與國民年金的年資將併計,只要相加超過十五年,就可領取勞保年金。

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    2009-01-23T03:33:07+0000


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