Don't be afraid to apply for "labor insurance injury and disease benefit" for the lazy bag after the second diagnosis

        COVID-19 has ravaged the world for more than three years, and now it is gradually becoming influenza, and people are getting used to coexistence with viruses. However, with the loosening of the epidemic prevention policy, it is difficult to ensure the resurgence of the epidemic. Many people are worried that the mutant virus will be found again. If it is unfortunately diagnosed for the second time, can you claim the "labor insurance injury and disease benefit"? What documents need to be prepared? This issue of "Legal Column" explains your doubts one by one.

        According to the regulations of the Labor Insurance Bureau, if the doctor determines that the patient has been diagnosed for the second time, or is unable to work during the "home care" period, so that he cannot obtain the original salary, he can apply for the injury and sickness benefits in accordance with the relevant provisions of the Labor Insurance Ordinance from the "fourth day" of the non-working day. The definition, application qualification and process of injury and disease benefit are described below.

        Definition of labor insurance injury and disease benefit

        The labor insurance injury and disease benefit includes: ordinary injury allowance and ordinary disease allowance, collectively referred to as "ordinary injury and disease allowance", which is to compensate the insured's salary loss during the treatment of injury and disease. If the insured can continue to work during this period, or the insured unit continues to provide the original salary, it cannot apply for the labor insurance injury and disease benefit.

        For example, people who "work at home" during the period of home care belong to the fact that they have work, and the number of days of "work at home" shall not be claimed for injury and disease benefits; In addition, the period of going to the clinic or recuperating at home does not belong to the scope of labor insurance injury and disease benefits.

        Who can apply for labor insurance injury and disease benefits?

        Those who are unable to work for more than four days and fail to obtain the original salary can apply for home care and isolation.

        50% of the insured's average daily insured salary (that is, the average monthly insured salary of the first six months divided by 30 from the month of diagnosis) will be paid from the "fourth day" when the insured cannot work in isolation. Based on the maximum insured amount of NTD45800 for labor insurance, NTD3053 (45800 ÷ 30 × 50% × 4).

        If a high-risk occupation (such as medical staff) will be identified as occupational disaster and epidemic, it will be classified as occupational injury and disease payment. The limitation of the right of claim is five years, and the worker can apply again after the resumption of work.

        What documents need to be prepared to apply for labor insurance injury and disease benefit?

        1 Application for payment of labor insurance injury and sickness benefits and payment receipt.

        2 Original of injury and disease diagnosis.

        3 Other relevant supporting documents, such as attendance and leave records, salary collars, etc.

        How does the confirmed worker apply for the payment of common injury and disease of labor insurance online?

        [Insured]

                1 Go to "online application" → "e-service system" → "individual declaration and inquiry" on the global information website of the Bureau of Labor Insurance, log in and select "accident" → "application for payment of confirmed COVID-19 labor insurance common injury and disease" to start the application.

        2 After confirming the completion of the individual application, the insured must notify the insured unit to confirm the online application within the specified period (i.e. within ten working days after the completion of the application). If the insured adds insurance to more than two insured units at the same time when the insured is confirmed, the insured unit selected by the insured shall confirm.

        3 If the insured is confirmed that COVID-19 is unable to work during the period of adding insurance, and only applies after leaving, it shall still be confirmed by the insured unit adding insurance during the period of unable to work.

        [Undertaken by the applicant]

        Within ten working days from the day after the insured completes the application, the "Confirmation of Application for Confirmation of COVID-19 Labor Insurance Common Injury and Disease Benefits" operation shall be conducted at the e-service system of the Bureau of Labor Insurance's global information network. If the application is not completed within the time limit, the Bureau of Labor Insurance will not accept the case.

        The insured is unable to work due to the diagnosis of infectious disease due to performing his/her duties. Can he/she apply for occupational disaster and disease benefits online?

        No. If the insured wants to apply for the payment of occupational injury and disease, he/she shall attach the relevant certificate documents and the paper-based payment notice of injury and disease for the diagnosis of infectious disease due to the performance of his/her duties, and send a copy to the Labor Insurance Bureau through the insured unit to handle the application procedures.

        (Reference: Bureau of Labor Protection, e-service system of Labor Protection Bureau)

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