Labor Insurance Act Article 29
The rights of an insured person, the beneficiary or person who pays for funeral expenses to all kinds of insurance benefits may not be assigned, offset, attached or mortgaged.A person claiming insurance benefits per stipulations provided by this Act, or applying for a loan under Subparagraph 4, Paragraph 1 of Article 67, may present the proof of documentation issued by the insurer to open a designated account at a financial institution exclusively for depositing the insurance benefits or the principal of the loan.The deposit held in the above designated account may not be used as the instrument for offsetting, seizure, or as guarantee or court seizure.In the event the insured person had received insurance benefits that were revoked or abolished by the insurer and did not repay the amount, the insurer may have the amount deducted from insurance benefits claimed by the insured person or his/her beneficiary.An insured person who has not repaid interest on a loan referred to Subparagraph 4, Paragraph 1 of Article 67 shall have the amount deducted from insurance benefits claimed by the insured person or his/her beneficiary.Insurance premiums and overdue penalty under this insurance, as well as the unpaid interest on the loan referred to in the preceding paragraph, shall not be subject to the following provisions; the foregoing with respect to the unpaid interest on the loan shall apply retroactively from January 22, 2003:I. Regulations on debt exemption in relation to company reorganization under the Company Act.II. Regulations on debt exemption stipulated in the Consumer Debt Clearance Act.III. Regulations on debt exemption stipulated in the Bankruptcy Act.IV. Regulations on extinguishment of time limitation for claims in accordance with relevant laws.The measures governing the type, method and amount of relevant deductibles on the insurance payout related to Paragraph 4 and Paragraph 5 shall be defined by central competent authorities.The insurer shall send written notices with the amount owed each year to an insured person or his/her beneficiary who has not repaid principal and interest on a loan referred to Subparagraph 4, Paragraph 1 of Article 67, and request that the person complete repayment in accordance with regulations.Before the enforcement of the amendments for this Act on December 30, 2025, where there exists any fact of unpaid insurance premiums and overdue penalty, Paragraph 6 shall apply, and the insurer shall temporarily suspend benefit payments to an insured person according to Paragraph 3 or Paragraph 4 of Article 17; after the amounts have been paid in full, the insurer shall disburse the benefits in accordance with the relevant provisions.
中文原文 勞工保險條例第29條
被保險人、受益人或支出殯葬費之人領取各種保險給付之權利，不得讓與、抵銷、扣押或供擔保。
依本條例規定請領保險給付或申請第六十七條第一項第四款之貸款者，得檢具保險人出具之證明文件，於金融機構開立專戶，專供存入保險給付或貸款本金之用。
前項專戶內之存款，不得作為抵銷、扣押、供擔保或強制執行之標的。
被保險人已領取之保險給付，經保險人撤銷或廢止，應繳還而未繳還者，保險人得以其本人或其受益人請領之保險給付扣減之。
被保險人有未償還第六十七條第一項第四款之貸款本息者，於被保險人或其受益人請領保險給付時逕予扣減之。
本保險之保險費、滯納金及前項未償還之貸款本息，不適用下列規定；貸款本息並溯自中華民國九十二年一月二十二日施行：
一、公司法有關債務免責之規定。
二、消費者債務清理條例有關債務免責之規定。
三、破產法有關債務免責之規定。
四、其他法律有關請求權消滅時效規定。
第四項及第五項有關扣減保險給付之種類、方式及金額等事項之辦法，由中央主管機關定之。
保險人應每年書面通知有未償還第六十七條第一項第四款貸款本息之被保險人或其受益人之積欠金額，並請其依規定償還。
本條例中華民國一百十四年十二月三十日修正之條文施行前，有未繳清保險費及滯納金之事實者，應適用第六項規定，保險人並依第十七條第三項或第四項規定，暫行拒絕給付；經繳清欠費後，保險人應依規定發給。
依本條例規定請領保險給付或申請第六十七條第一項第四款之貸款者，得檢具保險人出具之證明文件，於金融機構開立專戶，專供存入保險給付或貸款本金之用。
前項專戶內之存款，不得作為抵銷、扣押、供擔保或強制執行之標的。
被保險人已領取之保險給付，經保險人撤銷或廢止，應繳還而未繳還者，保險人得以其本人或其受益人請領之保險給付扣減之。
被保險人有未償還第六十七條第一項第四款之貸款本息者，於被保險人或其受益人請領保險給付時逕予扣減之。
本保險之保險費、滯納金及前項未償還之貸款本息，不適用下列規定；貸款本息並溯自中華民國九十二年一月二十二日施行：
一、公司法有關債務免責之規定。
二、消費者債務清理條例有關債務免責之規定。
三、破產法有關債務免責之規定。
四、其他法律有關請求權消滅時效規定。
第四項及第五項有關扣減保險給付之種類、方式及金額等事項之辦法，由中央主管機關定之。
保險人應每年書面通知有未償還第六十七條第一項第四款貸款本息之被保險人或其受益人之積欠金額，並請其依規定償還。
本條例中華民國一百十四年十二月三十日修正之條文施行前，有未繳清保險費及滯納金之事實者，應適用第六項規定，保險人並依第十七條第三項或第四項規定，暫行拒絕給付；經繳清欠費後，保險人應依規定發給。