公教人員保險法

This provision says the law is enacted to provide public employee and educator insurance, and anything not covered here follows other related laws.

This article sets who pays the insured person’s share of premiums during military service or leave without pay, and sets the choices, deadlines, and consequences for continued coverage.

被保險人在依法停職、休職或失蹤時，可依規定選擇退保或繼續加保；一旦選定不得變更。

被保險人在保險有效期間發生特定保險事故時，應給付現金；並規定各類給付的計算標準。

符合永久失能條件的被保險人，可依規定按月數計算領取失能給付；承保機關也可以調查、複驗、鑑定後再審核認定。

失能給付有請領限制與計算上限：部分情況不得請領，部分情況按最高標準或差額給付，且合計月數受限。

This provision sets how to determine the date of confirmed permanent disability in several medical and employment-related situations.

被保險人在符合退休、資遣或年齡與年資條件時，可請領養老給付；符合較高年資與年齡條件者，可請領養老年金，金額依年資、比率與上限計算。

領養老年金的被保險人，其月退休給與加上可領的養老年金，合計不得超過一定上限；上限並依保險年資與特別規定計算。

符合特定退休或失能條件的被保險人，可以請領養老年金，部分情形不受年齡或年資限制。

For monthly old-age pension benefits calculated under Article 17, if the rate per full year of insurance coverage is below the basic annuity rate, payment must still be calculated at the basic rate; if it exceeds the upper-limit annuity rate, payment must be calculated at that upper-limit rate.

This provision lists who is covered by the insurance and says some staff in statutory bodies may not join unless another law allows it or they are still insured under the transitional exception.

承保機關審定後，應通知最後服務機關（構）學校按月支給超額年金；私立學校案件由政府與學校各負擔一半。

被保險人的修正生效前後保險年資要合併計算養老給付，並受上限限制。

養老年金原則上自符合請領條件日起按月發給，直到被保險人死亡當月止；受領人遇特定情形會暫停或喪失領取權利，遺屬在部分情況下可改請一次給付或遺屬年金。

被保險人符合養老給付條件後，應在3個月內選擇請領或不請領；逾期未選擇者，視為不請領。

在特定修正生效日前，原先參加公務人員保險與私立學校教職員保險的年資可以合併計算，但養老給付不得超過上限。

This provision sets how insured persons or their heirs may claim retirement-related benefits after suspension, leave, or death, including one-time benefits or a survivor annuity option.

符合條件的被保險人退保後，其保險年資可保留；在達到指定條件時，原服務機關（構）學校得依退保時的年資與規定請領養老給付。

被保險人死亡時，遺屬可依不同情況請領一次死亡給付或遺屬年金給付，金額與年資、死亡原因和保費年資有關。

本條規定死亡給付與遺屬年金的受益人順序、分配比例與請領條件。

遺屬年金給付自符合請領條件日起按月發給，直到受益人死亡當月止；符合特定情形時，受益人的領受權利會暫停或喪失。

This insurance covers disability, retirement, death, dependent funeral expenses, maternity, and parental leave without pay benefits.

符合兩種以上相關年金給付資格時，必須擇一請領。

When the consumer price index’s cumulative growth reaches plus or minus 5%, the Examination Yuan and Executive Yuan set a separate adjustment ratio for the annuity benefit amount. Certain insured persons or their survivors may follow the same rule in listed cases.

領受養老年金或遺屬年金的人在權利停止或喪失時，本人或遺屬要在30日內檢附文件通知承保機關；溢領時，承保機關會書面通知30日內繳回，逾期可直接從帳戶餘額追回。

This provision defines certain disability and death cases as work-duty or military-service related when they fit one of the listed situations and there is a substantial causal connection.

Certain funeral allowances are payable for an insured person’s family member’s death, with different periods by relationship and age; where more than one insured person may claim the same allowance, they must agree on one claimant and the claimant cannot be changed after payment.

符合年資、育兒與留職停薪條件的被保險人，可以請領育嬰留職停薪津貼。

被保險人在符合特定分娩、早產或懷孕後分娩條件時，可以請領生育給付；雙生以上者，給付會按標準比例增加。

The right of an insured person or beneficiary to receive insurance benefits cannot be assigned, set off, seized, or pledged. If the insured person has certain overdue or overpaid amounts, the insurer may deduct them from cash benefits or refunded premiums.

Claiming this insurance benefit right expires if it is not exercised for 10 years from the date the claim can be exercised.

Insurance benefits are not paid if the insured event is caused by war, civil unrest, or the intentional criminal act of the insured person or specified family members.

本保險的主管機關是銓敘部；為監督本保險業務，主管機關得邀集相關機關、專家學者及被保險人代表組成監理委員會。

If an insured person or beneficiary fraudulently receives insurance benefits, they must repay the principal and interest of the benefits received, in addition to being punished under law.

經核定後的給付原則上要在15日內發放；按月給付通常最遲在次月底前發給；符合海外停留條件者，可申請改為每6個月發給一次。

This provision gives priority repayment rights for certain insurance-related amounts.

保險主管機關或承保機關可以調取承保、給付審核和爭議處理所需資料，相關機關、被保險人及受益人不得拒絕。

This provision exempts all accounting books, vouchers, and business receipts/expenditures of the insurance from taxation.

法定機關編制內有給的民選公職人員，以及擔任第二條所定職務的外國人，適用本法規定。

符合條件的人可以繼續參加該退休人員保險；相關辦法由考試院會同行政院訂定。

被保險人、其受益人，以及特定給付領受人，對給付審定結果或未付、逾期支付情形，得依法提起救濟；在有明顯錯誤或新事實、新證據時，還可依行政程序法辦理再開。

This article sets when different groups of insured persons can start using the revised old-age pension and survivor pension rules, and it sets refund and payment-limit conditions for some cases.

符合條件的被保險人，年滿65歲時可把勞工保險年資併計後請領本保險養老年金；但若有特定犯罪、免職/解聘/撤職、停職或修正施行前死亡等情形，則不適用。

This provision assigns insurance operations to the designated承保機關, requires the competent authority to fund necessary expenses within a 3.5% annual premium cap, and requires reserve-fund information to be published online on a regular basis.

本法的施行細則由考試院會同行政院訂定。

This provision says the act’s commencement date is to be set by the Examination Yuan together with the Executive Yuan, with specific exceptions for later amendments.

Eligible insured persons must join this insurance, enroll through the agency where they receive full pay, and avoid duplicate enrollment or duplicate claims.

被保險人在特定免職等處分後、處分溯及失效並復職補薪時，可以追溯加保；若期間已參加其他職域社會保險且屬強制加保對象，也可以選擇不追溯加保，但一經選定不得變更。

This article says the insured person is generally the beneficiary, except for death benefits and survivors’ pension benefits. A legal representative may apply on behalf of an incapacitated insured person or beneficiary, and others may not claim benefits on behalf of a deceased uninsured applicant unless the law provides otherwise.

本條規定本保險費率範圍、精算頻率，以及費率需要調整時的評估與報請程序。

本條規定保險費由被保險人、政府及部分學校依比例分擔，並要求服務機關（構）學校按月在當月十五日前彙繳；逾期未繳時，承保機關可等繳清後再辦給付。

Chapter 1 is titled “General Provisions.”

This chapter is about insurance premiums.

This chapter is about insurance benefits.

This is a heading for the General Provisions section.

本節標題為「失能給付」。

This section is titled “Pension Benefits.”

本節標題為「死亡給付」。

This section concerns applications for retirement pension benefits and determining whether a condition is work-related.

本節標題為「眷屬喪葬津貼、生育給付及育嬰留職停薪津貼」。

Chapter 4: Supplementary Provisions.