勞保年金提早5年領「將少領20%」！ 5大常見問題勞動部來解答
勞保老年年金是勞工退休金流一大支柱，勞動部表示，為讓勞工朋友能更清楚明瞭相關給付規定，特別整理勞保實務上民眾對於老年給付常見的問題類型，包含給付請領方式有3種、早領小心年金縮水等，勞動部一次來解答！
第一問：勞保老年給付3種給付方式，在採計平均月投保薪資上有什麼不同？
勞保老年給付請領方式，分為老年年金給付(按月領)、老年一次金給付、一次請領老年給付三種。
前2種（老年年金給付、老年一次金給付）是以保險年資區別，年資15年以上（國、勞保年資得予併計）者得請領年金；未滿15年者只能請領一次金。平均月投保薪資採計以被保險人加保期間最高60個月的月投保薪資平均計算。勞保局指出，目前已有9成勞工領領老年年金給付，請領一次金者僅1成。
第3種（一次請領老年給付）是2009年1月1勞保年金施行前有保險年資者可選擇請領，平均月投保薪資按退保當月起前3年月投保薪資平均計算。
The horn antenna has a distinctive design that is enlarged towards the end. Horn antennas typically feature a directional radiation pattern with a high antenna gain of 10-20 dBi, some antennas have a higher gain such as the standard horn antenna up to 25 dBi. Horn antennas feature a low VSWR and a wide impedance bandwidth.
Double Ridged Horn Antennas are very popular from 200 MHz frequency to higher frequencies up to 40GHz. We have recently extended the usage frequency of this antenna up to 60 GHz.
This antenna's operating frequency has recently been increased to 60 GHz. The research process for the product line is still ongoing but is planned to be completed this year. To receive the most recent price and technical information on the new product, please contact us for more information.
Double Ridged Horn Antennas are suitable for both transmitting and receiving purposes, with applications:
- - Antenna measurement
- - Communication systems
- - Satellite tracking systems
- - Radar Detection System
- - Surveillance System
- - Electromagnetic Compatibility Testing (EMC test)
Recommended Accessories
- - Antenna Tripod: easy and fast-changing position. 100% stable after installing.
- - SMA Cable: High-quality special SMA cable
Learn More
SUMMARY TABLE OF DOUBLE-RIDGED HORN ANTENNA (HA-SERIES)
址勞動部也提醒，投保薪資要如實申報，不得為了請領給付或節省保費不實申報，以免影響保險給付權益，甚至觸法。
第二問：提前請領老年年金會扣減給付金額，領到法定請領年齡時可以不用再扣減、領全額年金？
錯！勞保老年年金的法定請領年齡，於2009年年金施行時，即定有漸進調高機制，依法將逐步提高至上限65歲。今(2022)年起法定請領年齡為63歲，2024年調高到64歲，2026年調高到65歲。
勞動部舉例，保險年資合計滿15年，未符法定請領年齡，每提前1年請領，年金給付金額將減給4%，勞工最多可提前5年請領，也就是會被扣減20%。勞動部特別說明，經減給計算核付後，到法定請領年齡仍會依減給計算金額發給，勞動部也提醒勞工瞭解自身的權益。
另一方面，如果符合請領老年年金給付條件，延後請領的話，每延後1年，給付金額也會增給4%，最多增給至20%；若未滿1年，則依照比例計算。
勞動部統計，目前有6成以上勞工都是請領展延年金，1成為足額領取，3成為減額年金。
The horn antenna has a distinctive design that is enlarged towards the end. Horn antennas typically feature a directional radiation pattern with a high antenna gain of 10-20 dBi, some antennas have a higher gain such as the standard horn antenna up to 25 dBi. Horn antennas feature a low VSWR and a wide impedance bandwidth.
Double Ridged Horn Antennas are very popular from 200 MHz frequency to higher frequencies up to 40GHz. We have recently extended the usage frequency of this antenna up to 60 GHz.
This antenna's operating frequency has recently been increased to 60 GHz. The research process for the product line is still ongoing but is planned to be completed this year. To receive the most recent price and technical information on the new product, please contact us for more information.
Double Ridged Horn Antennas are suitable for both transmitting and receiving purposes, with applications:
- - Antenna measurement
- - Communication systems
- - Satellite tracking systems
- - Radar Detection System
- - Surveillance System
- - Electromagnetic Compatibility Testing (EMC test)
Recommended Accessories
- - Antenna Tripod: easy and fast-changing position. 100% stable after installing.
- - SMA Cable: High-quality special SMA cable
Learn More
SUMMARY TABLE OF DOUBLE-RIDGED HORN ANTENNA (HA-SERIES)
址第三問：老年給付請領後可以變更給付方式嗎？
不行！為讓勞工朋友瞭解老年給付請領方式及規定，勞保局提供臨櫃及網路查詢、試算等服務，方便勞工查詢利用。「不論勞工選擇申請年金或一次給付，經勞保局核付後，即不得再變更。」
第四問：請領老年給付後，想再工作，可以再參加勞保嗎？
不行！依《勞工保險條例》規定，已領取老年給付者，不能再參加勞保。如果勞工朋友再就業，符合《勞工職業災害保險及保護法》加保規定，應依法參加勞工職業災害保險，確保工作安全。
第五問：申請勞工退休金，是否須同時申請勞保老年給付？
勞工退休金與勞保老年給付分別由不同法律規範，如果勞工朋友依《勞動基準法》或《勞工退休金條例》規定請領勞工退休金。
考量勞工仍可能再就業，建議可以先不領老年給付，並在工作後，再加保累計勞保年資。
延伸閱讀
The horn antenna has a distinctive design that is enlarged towards the end. Horn antennas typically feature a directional radiation pattern with a high antenna gain of 10-20 dBi, some antennas have a higher gain such as the standard horn antenna up to 25 dBi. Horn antennas feature a low VSWR and a wide impedance bandwidth.
Double Ridged Horn Antennas are very popular from 200 MHz frequency to higher frequencies up to 40GHz. We have recently extended the usage frequency of this antenna up to 60 GHz.
This antenna's operating frequency has recently been increased to 60 GHz. The research process for the product line is still ongoing but is planned to be completed this year. To receive the most recent price and technical information on the new product, please contact us for more information.
Double Ridged Horn Antennas are suitable for both transmitting and receiving purposes, with applications:
- - Antenna measurement
- - Communication systems
- - Satellite tracking systems
- - Radar Detection System
- - Surveillance System
- - Electromagnetic Compatibility Testing (EMC test)
Recommended Accessories
- - Antenna Tripod: easy and fast-changing position. 100% stable after installing.
- - SMA Cable: High-quality special SMA cable
Learn More
SUMMARY TABLE OF DOUBLE-RIDGED HORN ANTENNA (HA-SERIES)
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The horn antenna has a distinctive design that is enlarged towards the end. Horn antennas typically feature a directional radiation pattern with a high antenna gain of 10-20 dBi, some antennas have a higher gain such as the standard horn antenna up to 25 dBi. Horn antennas feature a low VSWR and a wide impedance bandwidth.
Double Ridged Horn Antennas are very popular from 200 MHz frequency to higher frequencies up to 40GHz. We have recently extended the usage frequency of this antenna up to 60 GHz.
This antenna's operating frequency has recently been increased to 60 GHz. The research process for the product line is still ongoing but is planned to be completed this year. To receive the most recent price and technical information on the new product, please contact us for more information.
Double Ridged Horn Antennas are suitable for both transmitting and receiving purposes, with applications:
- - Antenna measurement
- - Communication systems
- - Satellite tracking systems
- - Radar Detection System
- - Surveillance System
- - Electromagnetic Compatibility Testing (EMC test)
Recommended Accessories
- - Antenna Tripod: easy and fast-changing position. 100% stable after installing.
- - SMA Cable: High-quality special SMA cable
Learn More
址Yahoo財經特派記者 李瑞瑾：生於網路世代的新媒體人，曾在2家網路原生媒體就職，主攻證券、基金等領域，用最貼近生活、時事的角度看待財經資訊，以深入淺出的方式帶讀者學習投資理財、掌握最新金融市場脈動。
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