勞工職業災害保險及保護法

This law is enacted to protect workers injured in occupational accidents and their families, strengthen prevention of occupational accidents and worker reintegration, and promote social security.

Certain employees and labor workers outside Articles 6 to 9 may be enrolled in the insurance by the employer or by the person themself; for some labor-service recipients, enrollment may be handled by the recipient of labor services. The central competent authority sets the rules for eligibility, procedures, salary grade, premium rate, payment method, and other compliance matters.

主管機關在對違反本法而被處罰鍰的投保單位、雇主或特約醫院、診所時，應公告其相關資訊；裁罰時也要考量勞工人數、違反情節、累計違法次數及未依法給付金額。

If an employer should have enrolled workers in labor insurance before this Act took effect but did not, and a worker later dies or becomes disabled in an occupational accident with a subsidy paid under the earlier law, the employer is fined an amount equal to that subsidy.

This provision says several benefit-related matters are handled by applying the Labor Insurance Act and related rules, unless this Act says otherwise.

對於本法施行前發生的特定勞工保險事故，已申請者仍依勞工保險條例處理；未申請且時效未完成者，得在本法與勞工保險條例間擇一請領，經保險人核付後不得更改。

Certain labor insurance insured persons must follow the pre-enforcement occupational accident protection rules when applying for subsidies, and people who choose benefits under this Act cannot apply for those subsidies under the older law.

未加入勞工保險的勞工，如果在本法施行前發生職業傷病，應依本法施行前的職業災害勞工保護法規定申請補助。

主管機關對本法施行前已受理、且尚未結束程序的案件，施行後仍依職業災害勞工保護法及相關規定處理；但本法另有規定者除外。

This provision says certain occupational accident insurance rules in the Labor Insurance Act no longer apply, except where this law provides otherwise.

中央主管機關負責訂定本法的施行細則。

本法的施行日期由行政院 तय定。

People participating in the insurance under Articles 6 to 10 include foreign nationals.

投保單位和特定雇主要在指定日期為勞工辦理投保；勞工離職、退會或結束訓練時，投保單位也要在當日辦理退保。

這一條規定勞工保險效力何時開始與停止，並按到職、通知、退會、結（退）訓等情形調整起算或停止日。

本條規定保險效力何時開始、何時停止，以及繳費完成後不得再改變起訖時間。

投保單位要為所屬勞工辦理投保、退保等保險事務，並保存名冊、出勤紀錄和薪資帳冊五年；在特定情況下，部分投保單位可委託勞工團體辦理，且投保單位不得規避、妨礙或拒絕保險人的查核。

本條規定保險費依被保險人的月投保薪資與費率計算，費率分為行業別災害費率與上下班災害單一費率，並規定中央主管機關與保險人對費率調整、公告及實績費率計算的分工。

投保單位要依被保險人的月薪資總額，按投保薪資分級表向保險人申報月投保薪資；薪資變動時，也要在規定期限內通知保險人。符合條件的被保險人可自行舉證申報投保薪資。

If an insured person reports insured salary inaccurately, the insurer may adjust the salary level based on audit data and notify the insured unit. The adjusted salary takes effect on the first day of the next month.

This provision allocates insurance premiums among the insured unit, the insured person, and the central government, with different percentages depending on the type of insured person.

本法所稱的主管機關，中央是勞動部；直轄市是直轄市政府；縣（市）是縣（市）政府。

本條規定保險費按月繳納，並分別由投保單位或被保險人依類型在次月底前完成繳納；保險費原則上繳後不退還，但溢繳或誤繳且屬不可歸責者除外。

投保單位逾期未繳保險費時，保險人得給15日寬限期；寬限期內仍未繳的，按日加徵滯納金，最高不超過應納費額的20%。

逾期未繳保險費者可有15日寬限期；寬限後仍未繳的，由所屬投保單位代收滯納金並彙繳，必要時保險人得移送行政執行。

保險人在特定欠費情形下，應暫時拒絕給付；已領取的給付，保險人應以書面行政處分命其限期返還。

本保險的保險費與滯納金，受償順位優先於普通債權。

This provision says the insurance premiums and late fees do not apply to the listed debt-discharge and limitation-period rules.

This provision lists the benefit types available under the insurance.

被保險人、受益人或支出殯葬費的人，得依本法請領保險給付；被保險人在停保後一年內，還可請領同一職業傷病及其引起疾病的相關給付。

現金給付的金額，依被保險人的平均月投保薪資和給付基準計算。

同一事故下，相關請求人只能就一項社會保險給付擇一申請，不得重複領取。

本條指定勞動部勞工保險局辦理勞工職業災害保險業務，並由勞動部勞動基金運用局辦理保險基金的投資運用管理業務。

If someone joined the insurance without meeting the legal qualification, the insurer must revoke that person’s insured status and, if benefits were received, order repayment by written administrative disposition.

If required supporting documents are not supplemented without good cause, or the Article 47 re-examination is not accepted, the insurer will not pay insurance benefits.

保險人和中央主管機關可為辦理保險業務或審議保險爭議，向相關人員或機關請求必要資料；被請求者不得規避、妨礙、拒絕或作虛偽證明。

保險給付的請領權利及專戶存款，原則上都不得讓與、抵銷、扣押、供擔保或強制執行；被保險人或受益人請領現金給付時，得附證明文件開立專戶。

If a paid insurance benefit is revoked or abolished by the insurer and is not returned, the insurer may deduct it from later benefits paid to the insured or beneficiary.

保險人核定後，現金保險給付應在15日內發給；年金給付應在次月底前發給。若逾期可歸責於保險人，逾期部分要加付利息。

If an insured unit failed to handle enrollment or withdrawal for eligible workers and a worker claims insurance benefits for an occupational injury or illness, the insurer must determine the amount owed and order payment within a set time. The central competent authority may set the detailed rules.

Insurance benefit claim rights expire if not exercised for five years from the date they become claimable.

This provision says medical benefits are divided into outpatient and inpatient care, and an insured person with an occupational injury or illness must seek treatment at a National Health Insurance contracted hospital or clinic.

職業傷病時，通常由投保單位填發醫療書單申請診療；若未填發或被保險人自行投保，得向保險人請領，查明屬實後發給。

中央主管機關負責監理本保險的保險業務及基金投資運用管理業務，並適用勞工保險條例的監理規定。

An insured person may apply to the insurer for reimbursement of medical expenses in specified occupational injury/illness situations.

在特定不合規或誤用醫療書單的情況下，投保單位要償付相關醫療費用；保險人並可書面命其限期返還已支付的同額費用。

符合條件的被保險人，自不能工作第4日起可以請領傷病給付。

符合條件的被保險人可以申請失能一次金或失能年金；領部分失能年金期間，不能同時領同一傷病的傷病給付。

請領失能年金者如有符合條件的眷屬，可按人加發眷屬補助；每人加發百分之十，合計最多百分之二十。

保險人原則上應在被保險人領取失能年金後，至少每五年審核一次失能程度；若保險人認為無須審核，則不在此限。

保險人 must 按規定發給加重失能的失能給付或失能年金；特定情況下以 80% 發給，且一次金合計不得超過第一等級給付基準。

The insurer may appoint a hospital or doctor to conduct a re-examination when reviewing disability benefits if it considers the insured needs one.

If an insured person is assessed as permanently unable to work and receives disability benefits under this insurance or labor insurance, the insurer must deregister them.

This article lets certain survivors or the person who paid funeral costs claim funeral, survivor pension, survivor lump-sum, or survivor subsidy benefits, depending on the deceased insured person’s status and the survivor’s conditions.

Certain insured persons and related parties must apply to the central competent authority for review within 60 days after service of the administrative disposition if they dispute a decision, and they may appeal further if they disagree with the review result.

符合條件的遺屬可以請領遺屬年金；特定情形下也可以改選一次請領失能給付扣除已領年金後的差額。

This provision sets the payment basis for funeral, survivor pension, survivor lump-sum, and survivor allowance benefits.

Survivor benefits must be claimed in a set order, and lower-priority relatives cannot claim while a higher-priority claimant exists.

同一給付原則上一人請領；如果有兩人以上符合請領條件，應共同具領。若無法共同具領，保險人要通知申請人協議由一人代表請領，協議不成則平均發給。

If a survivor pension recipient falls into any listed situation, pension payments must stop.

被保險人因工作中的意外事故失蹤時，可自失蹤日起領取失蹤給付；遺屬在失蹤滿一年或經死亡宣告確定死亡時，可依第四十九條請領死亡給付。

符合請領年金條件的被保險人或其受益人，應向保險人提出申請並附文件；經審核符合規定後，年金自申請當月起按月發給。

年金給付有變動時，保險人可以查證並可在查證期間停發；符合條件時要補發並續發。

When an insured person or beneficiary claims annuity benefits from this insurance or other social insurance for different insured events at the same time, the annuity amount must be reduced after considering several listed factors.

This provision lists the sources of the insurance fund.

Certain workers age 15 or older must join this insurance through their employer; some workers under 15, and specified trainees, apprentices, interns, and other paid service providers, are also covered by the same rule.

本保險基金可以投資特定國內資產；勞動部勞動基金運用局每年要報送基金運用情形和積存數額。

本保險基金只能用於列出的保險給付、編列經費、津貼補助、必要費用及前條運用，不能挪作其他用途或轉移處分。

中央主管機關可以在法定額度內編列經費，辦理職業災害預防、健康檢查、通報轉介、勞工重建、補助財團法人及其他相關事項。

符合指定有害作業條件的投保單位或勞工，可以向保險人申請相關健康檢查；中央主管機關則負責訂定有害作業及檢查辦法。

主管機關要整合資源，並可使用保險人核定的相關資料，依職業災害勞工需求提供重建服務；在涉及社會福利或醫療保健時，還要協調衛生福利主管機關。

中央主管機關與地方主管機關都要建立職業災害勞工的通報、轉介、資料庫與個案服務機制，並在需要時提供相關協助；取得的資料也要妥善管理並依個資法處理。

雇主或職業災害勞工可以向經中央主管機關認可的職能復健專業機構申請職能復健服務；該等機構也可以向中央主管機關申請補助。

雇主在職災勞工醫療終止後，應依復工計畫協助回到原工作；不能回原工作時，經雙方協議，應依健康狀況與能力安排適當工作，並提供必要輔助設施。

被保險人因職業傷病在指定機構進行職能復健時，可以向直轄市、縣（市）主管機關請領職能復健津貼。

雇用職業災害勞工的事業單位，在符合指定條件時，可以向直轄市、縣（市）主管機關申請補助。

年滿十五歲以上的特定勞工，應以其所屬團體作為投保單位，並參加本保險為被保險人。

中央主管機關應捐助成立職業災害預防及重建中心，並由中央主管機關訂定其捐助章程。

The center’s funding comes from six listed sources, including grants, government support, service income, investment income from its fund, donations, and other work-related income.

職災預防及重建中心要建立人事、會計、內控與稽核制度並送中央主管機關核定；中央主管機關也要訂定監督管理辦法、定期查核並公開結果。

中央主管機關得補助認可醫療機構辦理職業傷病診治、通報與整合服務；醫師、雇主、醫療機構、其他人員及勞工本人也可依條件轉介或通報，主管機關則要整合資訊並提供協助。

中央主管機關為辦理職業病防治及勞工重建服務，可以請相關機關和醫療機構提供特定資料；受請求者不得拒絕。

保險人可在需要時向中央主管機關申請職業病鑑定；有爭議且符合條件的被保險人，也可請保險人代為申請。中央主管機關並須建立專家名冊及組成職業病鑑定會，相關辦法由其訂定。

職業病鑑定會認為有必要時，中央主管機關可會同職業病鑑定委員進行調查；雇主、雇主代理人、勞工及其他有關人員不得規避、妨礙或拒絕調查。

An occupational injury worker may keep participating in labor insurance, through a labor group or other group entrusted by the insurer, after ending the labor contract and withdrawing from insurance during medical treatment, until the day they become eligible for old-age benefits.

符合條件的被保險人可以向保險人申請醫療補助、失能或死亡津貼；相關發給規則由中央主管機關訂定。

符合條件的被保險人可以向勞動部職業安全衛生署申請器具補助。

年滿十五歲、並在已登記或受委託辦理的職業訓練機構受訓者，應由其所屬機構或單位作為投保單位，參加本保險成為被保險人。

被保險人因職業傷病，符合條件時可以向保險人申請照護補助。

未加入本保險的勞工，在本法施行後因職業傷病致失能或死亡時，可以向保險人申請照護、失能或死亡補助。

職業災害勞工請領第78條至第81條津貼或補助的請求權，從可以請領之日起，5年不行使就消滅。

主管機關在職業災害勞工醫療終止後，如發現其疑似有身心障礙情形，應通知當地社政主管機關主動協助。

雇主原則上不得預告終止職業災害勞工的勞動契約；只有在列明的例外情形下，並在需要時經主管機關核定，才可以終止。

職業災害勞工在列舉情形下可以終止勞動契約；如果是依第1款終止，還要依勞動基準法規定先預告雇主。

When employment is terminated under the listed conditions, the employer must pay severance, retirement-related payments, or a termination payment depending on the worker’s status and the termination basis.

改組或轉讓後留用的勞工，如因職災致身心障礙或喪失部分/全部工作能力，其原有權益繼續對新雇主有效。

職業災害未認定前，勞工可先請普通傷病假；普通傷病假期滿且勞工申請留職停薪時，雇主應予留職停薪。

事業單位招人承攬時，與承攬人及再承攬者就承攬部分使用勞工的職業災害補償負連帶責任。

Certain people may join the insurance under this law, but covered participants generally cannot withdraw partway through except as provided by law. An employer in the second category must join together with employees in the same insured unit.

雇主在特定職業傷病情況下，可以主張抵充並請求返還已支付的補償或賠償金額；另有一種情況下，補償金額要按法定差額標準計算。

If a worker suffers damage caused by an occupational accident, the employer must compensate it, unless the employer can prove no negligence.

以詐欺或其他不正當方式領取保險給付、津貼、補助或虛偽申報醫療費用者，會被處以二倍罰鍰。

雇主在違反退休金、資遣費或離職金給付規定時，可能被處新臺幣30萬元以上150萬元以下罰鍰，並被命限期給付；逾期未給付者，還會按次處罰。

投保單位不得規避、妨礙或拒絕保險人依第十五條第四項的查對；違反者，處新臺幣五萬元以上三十萬元以下罰鍰。

違反列舉的四種規定之一者，會被處新臺幣5萬元以上30萬元以下罰鍰，並限期改善；逾期未改善的，還會按次處罰。

投保單位或雇主未依法替所屬勞工辦理投保、退保手續的，會被處罰鍰，並須限期改善；逾期未改善的，還會按次處罰。

投保單位如違反特定規定，會被處新臺幣2萬元以上10萬元以下罰鍰，並被命限期改善；逾期未改善的，還會按次處罰。

投保單位如果有列舉的違規情形，會被處新臺幣2萬元以上10萬元以下罰鍰。

如果適用第六條第三項的人員，其所屬投保單位或雇主違反列舉條文，將分別依相應條文處罰。

Chapter 1: General Provisions.

This chapter concerns penalties.

This is Chapter 6, titled Supplemental Provisions.

This chapter is about insurance premiums.

第 四 節 保險給付

This chapter is the general provisions section.

This chapter is titled “Occupational Accident Insurance.”

This is a chapter heading for medical benefits.

Section heading: Insurers, fund management, insurance supervision, and dispute handling.

This chapter concerns injury and sickness benefits.

This provision is a section heading for disability benefits.

This chapter concerns death benefits.

This chapter is titled “失蹤給付”.

本款標題為「年金給付之申請及核發」。

This section is titled “Insurance Fund and Expenses.”

This chapter is titled “Occupational accident prevention and rehabilitation.”

This section covers funding and related assistance measures.

This section is titled “Occupational Disaster Prevention and Reconstruction Foundation.”

本節標題為「投保單位、被保險人及保險效力」。

This section is titled “Occupational injury reporting and occupational disease determination.”

This chapter concerns other labor protections.