慘!勞保未來7年老年給付倍增到5700億元 - 職場

By Necoo
at 2019-07-17T22:16
at 2019-07-17T22:16
Table of Contents
※ [本文轉錄自 Gossiping 看板 #1TBbZ_E2 ]
作者: cores (24番) 看板: Gossiping
標題: [新聞] 慘!勞保未來7年老年給付倍增到5700億元
時間: Wed Jul 17 07:08:41 2019
慘!勞保未來7年老年給付倍增到5700億元 難逃破產命運
https://udn.com/news/story/7238/3932613
經濟日報 記者江睿智╱即時報導
攸關千萬勞工退休保障的勞保入不敷出,財務持續惡化。
根據勞保精算報告,未來7年,勞保保費收入僅小幅成長,
而老年給付將暴增,收入與各項支出的差額逐年擴大,難逃2026年勞保基金破產。
勞保是在2017年首度出現收支逆差,所幸當年度基金投資盈餘足以彌平,
但去年(2018)因勞保基金收益為負數,虧損424億元,
致勞保首度出現收支逆差251億元。
而今年勞保持續惡化,統計顯示,今年前5月,
保費應計收入為1629.64億元,
勞保各項支出,包括老年給付失能年金、遺屬年金、生育給付、傷病給付等等,
今年前5月累計1719.11億元,差短已逾89億元。
其中,老年給付,包括一次金及年金,
今年前5月核付達1544.71億元,幾乎要吃掉全部保費收入。
值得關注的是,勞保財務只會愈形惡化,主因是
勞保自2009年開辦以來,隨著人口老化,核付請領人數及金額都持續大幅攀升。
2009年時,請領老年年金人數僅6.5萬人,之後年年倍增,
2017年時突破百萬人;累計至
2018年,請領老年年金人數達116.5萬人,
今年前5月達121.5萬人,年增10.81%。
再看核付老年年金金額,
2009年時為64.25億元,隔年就暴增到149.96億元;
短短5年,核付金額破千億元,累計
2018年底再破2000億元,來到2275.9億元。
勞保局官員說,老年年金是活愈久領愈多,因此會有「累滾」效益,致金額快速暴增。
勞保財務每3年精算一次,最近一次是2018年底,
精算結果顯示,勞保潛藏負債也從前次精算的8.36兆元增加至9.11兆元,
破產年限也由2027年提前至2026年,簡言之,7年後勞保破產。
精算報告揭露,勞保基金若要維持財務健全,的最適平衡費率為27.94%,
但與過去三年實際收取的保險費率9%至9.5%,仍有不小差距,
收費不足支付成本,也讓財務狀況愈趨嚴峻。
簡單地講,
勞保財務根源就是隨著人口老少及少子化,
繳保費的人愈來愈少,但領年金的人愈來多。
精算報告預期2018 年首次出現當期保費收入不足以支付各項保險給付,
之後保費收入與各項支出的差額也逐年擴大。
勞保保費收入方面,根據規定,
勞保費率現每兩年提升0.5個百分點,直至12%;
因此,未來7年,保費收入亦小幅增加。
至於勞保支出方面,最沈重的即是老年給付,包括一次給付及老年年金。
精算報告進一步指出,
未來7年,老年給付金額將由3370億元,暴增至2026年的5698億元,
勞保基金餘額將因此呈負1320億元,
亦即勞保基金用罄,已不夠支付各項給付,走向破產命運。
https://i.imgur.com/zZqugIn.jpg
未來7年,勞保保費收入僅小幅成長,而老年給付將暴增,
收入與各項支出的差額逐年擴大,難逃2026年勞保基金破產。本報資料照片
6.備註:
如此囧境下只有發大財才能逃過破產危機
--
https://i.imgur.com/fmGlIUL.jpg
--
作者: cores (24番) 看板: Gossiping
標題: [新聞] 慘!勞保未來7年老年給付倍增到5700億元
時間: Wed Jul 17 07:08:41 2019
慘!勞保未來7年老年給付倍增到5700億元 難逃破產命運
https://udn.com/news/story/7238/3932613
經濟日報 記者江睿智╱即時報導
攸關千萬勞工退休保障的勞保入不敷出,財務持續惡化。
根據勞保精算報告,未來7年,勞保保費收入僅小幅成長,
而老年給付將暴增,收入與各項支出的差額逐年擴大,難逃2026年勞保基金破產。
勞保是在2017年首度出現收支逆差,所幸當年度基金投資盈餘足以彌平,
但去年(2018)因勞保基金收益為負數,虧損424億元,
致勞保首度出現收支逆差251億元。
而今年勞保持續惡化,統計顯示,今年前5月,
保費應計收入為1629.64億元,
勞保各項支出,包括老年給付失能年金、遺屬年金、生育給付、傷病給付等等,
今年前5月累計1719.11億元,差短已逾89億元。
其中,老年給付,包括一次金及年金,
今年前5月核付達1544.71億元,幾乎要吃掉全部保費收入。
值得關注的是,勞保財務只會愈形惡化,主因是
勞保自2009年開辦以來,隨著人口老化,核付請領人數及金額都持續大幅攀升。
2009年時,請領老年年金人數僅6.5萬人,之後年年倍增,
2017年時突破百萬人;累計至
2018年,請領老年年金人數達116.5萬人,
今年前5月達121.5萬人,年增10.81%。
再看核付老年年金金額,
2009年時為64.25億元,隔年就暴增到149.96億元;
短短5年,核付金額破千億元,累計
2018年底再破2000億元,來到2275.9億元。
勞保局官員說,老年年金是活愈久領愈多,因此會有「累滾」效益,致金額快速暴增。
勞保財務每3年精算一次,最近一次是2018年底,
精算結果顯示,勞保潛藏負債也從前次精算的8.36兆元增加至9.11兆元,
破產年限也由2027年提前至2026年,簡言之,7年後勞保破產。
精算報告揭露,勞保基金若要維持財務健全,的最適平衡費率為27.94%,
但與過去三年實際收取的保險費率9%至9.5%,仍有不小差距,
收費不足支付成本,也讓財務狀況愈趨嚴峻。
簡單地講,
勞保財務根源就是隨著人口老少及少子化,
繳保費的人愈來愈少,但領年金的人愈來多。
精算報告預期2018 年首次出現當期保費收入不足以支付各項保險給付,
之後保費收入與各項支出的差額也逐年擴大。
勞保保費收入方面,根據規定,
勞保費率現每兩年提升0.5個百分點,直至12%;
因此,未來7年,保費收入亦小幅增加。
至於勞保支出方面,最沈重的即是老年給付,包括一次給付及老年年金。
精算報告進一步指出,
未來7年,老年給付金額將由3370億元,暴增至2026年的5698億元,
勞保基金餘額將因此呈負1320億元,
亦即勞保基金用罄,已不夠支付各項給付,走向破產命運。
https://i.imgur.com/zZqugIn.jpg
未來7年,勞保保費收入僅小幅成長,而老年給付將暴增,
收入與各項支出的差額逐年擴大,難逃2026年勞保基金破產。本報資料照片
6.備註:
如此囧境下只有發大財才能逃過破產危機
--
https://i.imgur.com/fmGlIUL.jpg
--
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