受惠參數調整 勞保基金延2028破產 - 職場
By Margaret
at 2022-01-15T20:34
at 2022-01-15T20:34
Table of Contents
※ [本文轉錄自 Gossiping 看板 #1XuVwtW3 ]
作者: Workforme (′‧ω‧‵) 看板: Gossiping
標題: [新聞] 受惠參數調整 勞保基金延2028破產
時間: Sat Jan 15 06:52:36 2022
備註請放最後面 違者新聞文章刪除
1.媒體來源:
中國時報
2.記者署名:
林良齊
3.完整新聞標題:
受惠參數調整 勞保基金延2028破產
4.完整新聞內文:
受惠參數調整 勞保基金延2028破產
04:10 2022/01/15 中國時報 林良齊
https://i.imgur.com/xGY3iZq.jpg
勞保基金受惠參數調整,將延到2028年破產。圖為勞工前往勞保局櫃檯洽詢問題。(本報
資料照片)
https://i.imgur.com/TEtzpVF.jpg
勞保普通事故保險最新財務評估
勞動部昨天公布「勞工保險普通事故財務精算報告」,指出截至2020年12月31日為止,勞
保基金精算負債達11.05兆元、基金累積餘額出現負值年(破產)年限則為2028年,雖然
較上一次的精算報告再延後2年,但破產危機仍在眼前。
政府近3年共撥補720億元
之所以較2017年精算報告延後2年的關鍵,在於為資產報酬率從3.5%調整為4%、物價指
數年增率下修為0.9%,但老年年金給付選擇率調整為90%、失能年金上調為50%、遺屬
年金也上修至37%,也納入政府近3年來共撥補720億元試算。
勞動部勞保局局長鄧明斌表示,勞保基金較上次精算延後2年破產,主要是近年來基金報
酬收益高,再加上政府近3年撥補720億等因素導致,如上一次精算報告提及去年年底餘額
為6200多億,但實際為8200多億元,這都是影響基金用罄年度的原因;他也說,試算時僅
計入政府已撥補的720億元,如果未來持續撥補,財務當然會更好。
改革涉千萬勞工退休生活
至於是否因為高資產報酬率參數導致基金延後2年破產?鄧明斌提及,報告中以2%至7%
設算「基金累積餘額出現負值年度」,其中無論是上次精算報告設算的3.5%或此次設算
的4%,都是在2028年出現負值,但若提高至7%也只延後一年至2029年基金累積餘額出現
負值。
何時啟動年金改革?勞動部勞動保險司司長陳美女表示,2018年曾提出年改草案,但各界
仍有疑義,目前年金改革仍持續傾聽各界意見,因勞保改革涉及1000萬勞工退休生活外,
也影響58萬餘個投保單位權益。
勞保基金精算負債達11.05兆元較上一次的精算報告9.8兆增加,陳美女說,主要因為目前
保費費率未達平衡費率的27.83%,造成保費收入不足給付,使精算負債再擴大,但除了
保費可以減少精算負債外,給付審核也要處理,財務端如撥補、運用效益也能改善。
5.完整新聞連結 (或短網址):
https://www.chinatimes.com/newspapers/20220115000394-260110?chdtv
6.備註:
物價指數年增率下修? (._.?)
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作者: Workforme (′‧ω‧‵) 看板: Gossiping
標題: [新聞] 受惠參數調整 勞保基金延2028破產
時間: Sat Jan 15 06:52:36 2022
備註請放最後面 違者新聞文章刪除
1.媒體來源:
中國時報
2.記者署名:
林良齊
3.完整新聞標題:
受惠參數調整 勞保基金延2028破產
4.完整新聞內文:
受惠參數調整 勞保基金延2028破產
04:10 2022/01/15 中國時報 林良齊
https://i.imgur.com/xGY3iZq.jpg
勞保基金受惠參數調整,將延到2028年破產。圖為勞工前往勞保局櫃檯洽詢問題。(本報
資料照片)
https://i.imgur.com/TEtzpVF.jpg
勞保普通事故保險最新財務評估
勞動部昨天公布「勞工保險普通事故財務精算報告」,指出截至2020年12月31日為止,勞
保基金精算負債達11.05兆元、基金累積餘額出現負值年(破產)年限則為2028年,雖然
較上一次的精算報告再延後2年,但破產危機仍在眼前。
政府近3年共撥補720億元
之所以較2017年精算報告延後2年的關鍵,在於為資產報酬率從3.5%調整為4%、物價指
數年增率下修為0.9%,但老年年金給付選擇率調整為90%、失能年金上調為50%、遺屬
年金也上修至37%,也納入政府近3年來共撥補720億元試算。
勞動部勞保局局長鄧明斌表示,勞保基金較上次精算延後2年破產,主要是近年來基金報
酬收益高,再加上政府近3年撥補720億等因素導致,如上一次精算報告提及去年年底餘額
為6200多億,但實際為8200多億元,這都是影響基金用罄年度的原因;他也說,試算時僅
計入政府已撥補的720億元,如果未來持續撥補,財務當然會更好。
改革涉千萬勞工退休生活
至於是否因為高資產報酬率參數導致基金延後2年破產?鄧明斌提及,報告中以2%至7%
設算「基金累積餘額出現負值年度」,其中無論是上次精算報告設算的3.5%或此次設算
的4%,都是在2028年出現負值,但若提高至7%也只延後一年至2029年基金累積餘額出現
負值。
何時啟動年金改革?勞動部勞動保險司司長陳美女表示,2018年曾提出年改草案,但各界
仍有疑義,目前年金改革仍持續傾聽各界意見,因勞保改革涉及1000萬勞工退休生活外,
也影響58萬餘個投保單位權益。
勞保基金精算負債達11.05兆元較上一次的精算報告9.8兆增加,陳美女說,主要因為目前
保費費率未達平衡費率的27.83%,造成保費收入不足給付,使精算負債再擴大,但除了
保費可以減少精算負債外,給付審核也要處理,財務端如撥補、運用效益也能改善。
5.完整新聞連結 (或短網址):
https://www.chinatimes.com/newspapers/20220115000394-260110?chdtv
6.備註:
物價指數年增率下修? (._.?)
--
Q ◢▲◣ ◢▲◣
S ◢ \\██ // ◣ 發財發財
W 【'' ) ◢▄◣ ◢▄◣ ▎ 發財發財
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at 2022-01-15T08:48
at 2022-01-15T08:48