ensioners regret decision to receive lump sum payment (2013/01/03)
勞保年金去年10月傳出可能在民國116年破產，讓屆齡要退休勞工急著去申請，在去年10月和11月，有高達五萬八千多位勞工，一次請領將勞保退休金領走七百六十八億，不過現在看到勞保不會倒，請領的民眾後悔了，打電話到立委辦公室求救！
立委辦公室電話響不停，打來陳情的都是要問申請勞保老年給付一次領後，能不能再改回年金。
[[立委(國) 吳育仁]]
“是有一些選民打電話，到辦公室來說他，請領一次給付之後，他覺得很後悔他希望，說要把錢繳回(改方案)，其實政府機關要給勞工朋友，充分的信心或充分的資訊，讓他如何來做選擇，這反而是比較重要”
只要勞保年金一入帳要改根本不可能，就怕選錯方案。其實一次領跟按月領，以60歲退休的勞工，年資30年，平均月投保薪資32000元，來計算，一次領拿到144萬，但是月領有14880元，等於領了八年一個月就會超過144萬。
[[民眾]]
“一次領的話就怕錢把它用光嘛，按月領是比較長久，但就是政府沒信用啊，它會變來變去就是怕這樣”
想要分月領，卻擔心政府政策隨時改變，勞保退休金的問題，真的讓民眾，很頭痛。
In October DPP legislators and media outlets struck fear in the hearts of older workers and retirees, claiming that the national labor pension system would be bankrupt by 2027. Over the next two months near record numbers then applied to receive their pension in one lump sum rather than monthly installments. But now it seems like the pension system won’t collapse, and many people are regretting their rush to receive payment.
Lawmaker office phones are ringing off the hook. The callers are retirees who applied for their pension in one installment. Now they want to switch to monthly payments.
Wu Yu-ren
KMT Legislator
Some voters have called the office to say they regretted taking a lump sum payment and want to return the money. Government agencies need to instill confidence in workers and provide abundant information. It’s necessary for the workers to have a chance to make a better decision.
Once a lump sum pension payment is made, it’s too late to go back. Take a 60-year-old retiree for example. If he worked for 30 years with an average monthly insurance salary of NT$32,000, he would qualify for a lump sum payment of NT$1.44 million. But if he opted for monthly payments of NT$14,880, after eight years he’d have received more money.
“Taking all the money out in one installment raises worries that I’ll run out of cash. Monthly payments will last longer. But the government can’t be trusted. It worries me because it changes all the time.”
Retirees have to think about whom they trust more with their money: the government or themselves. They also must consider how they will support themselves if they live for many more years.
資料來源：民視英語新聞
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