國民年金法

本條說明制定本法的目的：保障未受足夠社會保險保障的國民，在老年、生育及身心障礙時的基本經濟安全，並維持其遺屬生活安定。

The insurance premium rate is 6.5% in the first year, rises by 0.5% in the third year and every two years after that, and stops increasing if the fund balance is enough to cover 20 years of benefits.

This provision sets how the insurance’s monthly insured amount is determined and later adjusted.

This provision allocates insurance premium burdens between insured persons and competent authorities based on income, social assistance status, and disability status.

本條規定保險費的計算、通知與繳納方式，以及政府與被保險人的負擔、預繳與退費例外。

保險人要在一百零一年一月底前書面通知被保險人，要求其在一百零一年三月底前繳納一百年十二月份保險費，且不受前條規定限制。

逾期未繳保險費的，被保險人及各級政府要按日計算利息並一併收取；低於一定金額的利息可免徵，金額由中央主管機關訂定。

無力一次繳清保險費及利息的被保險人，可以向保險人申請分期或延期繳納；被保險人與其配偶對保險費及利息負連帶繳納義務。

Insurer may temporarily refuse payment until premiums and interest are paid, but not if the insured is paying by installment or deferment under the prior article.

被保險人逾期未繳的保險費及利息，通常不計入保險年資；超過十年的部分也不能請求補繳，但若未繳是因不可歸責於被保險人的事由，仍可請求補繳並計入年資。

If the insured event happens outside the covered period, the insured person or beneficiary may not claim insurance benefits, except for old-age annuity benefits and disability basic guaranteed annuity benefits.

Annuity benefits are paid monthly from the month the person applies and meets the conditions, with old-age annuity paid until the month of death. Survivor annuity beneficiaries who apply late may receive retroactive payment for up to five years, except amounts already claimed by another beneficiary.

Insurance benefits are calculated using the monthly insured amount for the month when the insured event occurs.

National Pension Insurance insurance incidents are divided into four types, and insured persons who have an insurance incident during the effective period receive the corresponding benefits.

The same insurance benefit may not be claimed repeatedly for the same insurance event.

An insured person who qualifies for any of the listed pensions or guaranteed pensions may choose only one payment.

保險人或中央主管機關在特定情況下，可以要求被保險人、受益人或醫療機構提供與本保險有關的文件；相關人不得拒絕。

請領保險給付時，被保險人或受益人應檢附相關資料及證明文件；未檢附時，保險人應限期要求補正。

保險人可以查證年金請領資格，必要時可在查證期間停止發給；不符合條件、死亡或有溢領時，相關人須在期限內通知、繳還，繼承人也可在特定情況下請領未入帳的給付。

被保險人可以申請減領保險給付，但一年只能申請一次；申請後，減領期間至少一年，且不得請求補發。

在特定情形下，保險人不予保險給付。

If someone without insurance eligibility joins the insurance, the insurer must cancel that person’s insured status and refund the premiums paid. If benefits were already received, the insurer must send a written demand to return them. The insurer must also send a written demand to return any overpaid or wrongly received benefits when claim conditions were not met.

領取保險給付的請求權，在可請領日起五年內如果不行使，就會消滅。

被保險人或曾參加本保險者，滿 65 歲時，可以請領老年年金給付。

This provision defines which authority counts as the competent authority at each level of government.

老年年金給付有兩種計算方式，符合條件者按月發給至死亡當月止；但有特定欠繳或已領其他給付情形者，原則上不得選第一種方式。

符合年齡、設籍、居住天數與排除條件者，可以請領老年基本保證年金，每月新臺幣3,000元，領到死亡為止。

符合條件的被保險人可以向任一保險人同時請領老年給付；年資不足但合併其他保險年資後符合條件者，也可以請領老年年金給付。

被保險人因分娩或早產，可以請領生育給付；雙生以上的，給付會按比例增加。

符合特定重度身心障礙與無工作能力條件的被保險人，可以依規定請領身心障礙年金給付。

身心障礙年金按保險年資計算；符合條件時可按月給付基本保障新臺幣4,000元。

An insured person may claim the disability basic guaranteed pension if they meet the stated disability, work-capacity, and residence requirements and have none of the listed disqualifying circumstances.

中央主管機關應按年度編列預算，支應前條第一項身心障礙基本保證年金及第三十一條第一項老年基本保證年金所需經費。

保險人可以定期查核身心障礙年金受領人的障礙程度，必要時可要求診斷證明；未配合查核的，年金會暫停發給。

在審核特定身心障礙年金給付或處理保險爭議時，保險人可以另行指定醫院或醫師進行複檢，費用由本保險基金支付。

被保險人死亡時，保險人一次發給相當於5個月月投保金額的喪葬給付；由支出殯葬費的人領取，但同一給付限一人請領。

中央主管機關委託勞工保險局辦理本保險業務，勞工保險局並為保險人。

符合條件的遺屬可以請領遺屬年金給付；中央主管機關並可訂定無謀生能力的判定與審核辦法。

This provision sets the priority order for survivor pension recipients and bars lower-priority survivors from claiming while a higher-priority eligible person exists.

This provision sets how survivor pension benefits are calculated, including minimum payment rules and increases when there is more than one survivor in the same order.

If a survivor is eligible for two or more survivor pension benefits, they must choose only one to claim.

While survivor pension benefits are being received, payment must stop if any listed disqualifying event occurs.

政府應設國民年金保險基金，並列出基金來源。

中央主管機關負擔保險人辦理本保險所需的人事及行政管理經費，上限為當年度應收保險費總額的百分之三點五。

This provision sets out how the central competent authority funds required insurance premiums and other amounts, including specific funding sources and a fallback budget appropriation if those sources are still insufficient.

本基金只能依本法用途投資運用，不得挪作他用或處分。保險人可在主管機關同意後委託金融機構辦理基金運用，並且要按年報請主管機關公告基金收支、運用情形及累積數額。

政府對本保險的財務負最後支付責任。

被保險人和受益人就保險人核定案件有爭議時，須在收到核定通知後60日內先申請審議；不服審議結果的，得依法提起訴願及行政訴訟。

以詐欺或其他不正當行為領取保險給付的人，除了要追回給付，還會被處以按給付金額兩倍計算的罰鍰。

本法規定的罰鍰由保險人處罰。

（刪除）

符合條件的55歲以上原住民可按月領取新臺幣3,000元，直到滿65歲前一個月；經費由中央原住民族事務主管機關按年度編列預算支應。

Deleted provision.

相關年金與保證金額自指定日起調整為3,500元或4,700元，之後每四年由中央主管機關依物價指數成長率公告調整；成長率為零或負數時不調整。

本條限制相關給付權利不得被扣押、讓與、抵銷或作為擔保；但對溢領或誤領的給付，保險人可自現金給付或退還保險費中扣抵。

Several authorities must send monthly updated records to the insurer by the third working day of the next month, and the insurer must safeguard and audit any data it receives.

本保險的帳冊、單據及業務收支免課稅捐。

Central competent authority sets the enforcement rules for this law.

本條規定本法及其修正條文的施行日期；其中一部分修正條文自公布日施行，另有一部分由行政院定其施行日期。

This article defines key terms used in the law, including covered social insurance, old-age benefits, social welfare allowances, insurance years, beneficiary, and detention.

未滿65歲、在國內設有戶籍且符合列舉情形之一的國民，原則上應參加本保險並成為被保險人；已參加相關社會保險者除外。

被保險人的保險效力從符合加保資格當日零時開始；在喪失加保資格前一日二十四時停止，但死亡者改於死亡當日終止。

If an insured person withdraws from the insurance and later re-joins it, their insurance seniority must be counted together.

Chapter 1: General Provisions.

This chapter is about insurance premiums.

This chapter is titled “Insurance Benefits.”

This provision is a section heading for the general rules.

This chapter concerns old-age pension benefits and maternity benefits.

This section concerns disability pension benefits.

This section is titled “Burial Benefit.”

This section is about survivor pension benefits.

This chapter covers insurance funds and expenses.

This chapter is about penalties.

第 七 章 附則

Chapter heading on insured persons and insurance coverage/effect.