Prepared by A-J | Author brand: 盡職生活｜阿J的普通人理財筆記
About the author/site · Vocus @WUCJ ↗ · Editorial policy
Page version: 2026-08-13 | Official or primary sources are preferred for material rules and figures. AI may assist structure, translation, and code, but is not used as the sole factual source.
About the author/site · Vocus @WUCJ ↗ · Editorial policy
Page version: 2026-08-13 | Official or primary sources are preferred for material rules and figures. AI may assist structure, translation, and code, but is not used as the sole factual source.
Official sources checked August 13, 2026Rules and application procedures can change. Use the latest Ministry of Labor / BLI information for an actual claim.
Up to five years early
Workers with at least 15 years of coverage may, when eligible, claim a reduced pension up to five years before statutory age.
Each year early reduces the pension by 4%
The maximum reduction is 20%.
Deferral increases the pension by 4% per year
The maximum increase is also 20%.
Monthly amount is not the only consideration
Health, work plans, cash flow, and expected retirement duration all matter.
How can you use this?
Confirm your actual inputs, then compare at least two scenarios in the related calculator. For statutory benefits, the official rules in force when you apply control the final result.
Taiwan Labor Insurance information for education and planning only. Eligibility and final benefit amounts are determined by BLI.