5 Situations Where Workers Can Maintain Labor Insurance Continuity After Resignation
Workers may worry about their labor insurance credits being interrupted when they temporarily leave the workforce. In a routine business report on the 10th, the Ministry of Labor indicated that under five specific circumstances, workers can still continue to participate in labor insurance even after leaving their jobs, ensuring their rights are not affected.
According to the Director of the Labor Insurance Department, Chen Mei-Nü, although labor insurance is an employment-based insurance, workers can continue to be insured under the following five conditions:
- 1. Serving in the military
- 2. Taking childcare leave
- 3. Taking a leave of absence due to illness, with regular illness not exceeding 1 year and occupational injuries not exceeding 2 years
- 4. Having completed 15 years of labor insurance and being laid off
- 5. Terminating the employment contract and withdrawing insurance during the period of occupational injury medical care
According to the Labor Insurance Act, workers must participate in labor insurance through their insurers, and the accumulated insurance years will be one of the calculation criteria for future pension claims.
Chen emphasized that aside from the two situations involving “having more than 15 years of labor insurance and being laid off” and “terminating the employment contract during occupational injury medical care,” other insured individuals can still claim related benefits when incidents such as childbirth, disabilities, or deaths occur.
For workers injured on the job, those who withdraw from occupational injury insurance and continue with labor insurance during medical treatment may still claim benefits related to the same occupational injury and related diseases.
Chen also highlighted that workers applying for continued insurance can keep accumulating labor insurance credits during the continuation period, and the insured salary during this period should be based on “the insured salary at the time of leaving the workplace,” and the insurer must not adjust the insured salary to protect the rights of the insured.
