政府與您一起為未來做好準備－國民年金保險制度介紹

The Government Works with You to Prepare for the Future-Introduction to the National Pension Insurance System

商東福(Tung-Fu Shang) ； 陳淑惠(Shu-Hui Chen) ； 林美齡(Mei-Ling Lin)

《醫學與健康期刊》 11卷3期 (2022/11) Pp. 105-110

摘要

國民年金保險（以下簡稱國保）於2008年10月1日開辦，採社會保險制度方式辦理，主要目的在確保年滿25歲、未滿65歲未能於相關社會保險獲得適足保障的國民，均能納入社會保險的年金制度，使其遭遇老年、生育、殘障或死亡時能獲得基本經濟安全保障，並謀其遺屬之生活安定；又國保具備「自助互助」及「風險分擔」功能，透過全體被保險人與政府共同繳納保險費，使不同經濟條件的國民均有能力參加國保，保障領取保險給付之權益。另國保是我國第一個以「年金」方式提供定期性給付的保險，避免一次給付後，因資金運用不當所發生的損失，且國保年資具有「可攜性」，可與勞保年金制度銜接，提供被保險人更完善的保障；國保補足了過往社會保險制度的缺口，讓我國逐步邁入全民皆有老年年金的新時代，落實政府全民照顧的理念。

關鍵字

國民年金 ； 社會保險制度 ； 自助互助 ； 風險分擔

並列摘要

Taiwan has established National Pension (NP) since October 1, 2008 and adopted a way of social insurance, in which all citizens have been covered and the elderly could be assured of basic economic protection. The purpose of our NP insurance is to protect the basic economic safety of the citizens including the insured persons or their survivors. Citizens aged between 25 and 65 years old who are not participating in other related social insurances for military personnel, civil servants and teachers, laborers, and farmers should be included in the National Pension. The NP system provides basic economic safety for beneficiaries and their families when the insured person becomes elderly or faces maternity, disability, or death over their insured period. In addition, the NP has ＂Self/Mutual Help＂ and ＂risk sharing＂ properties of social insurance. Through the joint payment of premiums by all the insured and the government, nationals with different economic or disability conditions will all be able to participate in the NP and protect their rights and interests in receiving insurance benefits. Furthermore, the NP is the first insurance in our country that provides regular payment in the form of ＂annuity＂, which avoids losses due to improper use of funds after a lump sum payment. The period of insurance of NP is also ＂portable＂, as it can be linked to the labor insurance annuity system, providing the insured with greater protection. The NP marked the start of a new era for Taiwan, in which all citizens were covered by social insurance and the elderly could be assured of basic economic protection by annuities.

並列關鍵字

National pension ； Socialinsurance system ； Self/mutual Help ； Risk sharing

參考文獻

國家發展委員會「人口推估查詢系統」。https://popproj.ndc.gov.tw/chart.aspx?c=10&uid=66&pid=60。引用6/10/2022。National Development Council, Population Projections for the R.O.C (Taiwan). https://popproj.ndc.gov.tw/chart.aspx?c=10&uid=66&pid=60. Accessed October 6, 2022.

曾中明、姚惠文、鄭貴華(96)我國國民年金之規劃歷程，內政部社區發展季刊116, 11-26。Zeng JM; Yao HW; zheng GH: Planning Course of National Pension, Community development journal quarterly 2007;116,11-26. [In Chinese]

總統府國家年金改革委員會。https://pension.president.gov.tw/cp.aspx?n=1B75280382ECACFF&s=931FF851D2FB2128。引用6/10/2022。Office of the President Republic of China (Taiwan), National Pension Reform Committee. https://pension.president.gov.tw/cp.aspx?n=1B75280382ECACFF&s=931FF851D2FB2128. Accessed October 6, 2022.