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| Title: | 職業災害雇主責任與相關保險之研究
A Study on Occupational Accidents, Employer Liability, and Related Insurance |
| Authors: | 林士傑
Lin, Shih-Chieh |
| Contributors: | 葉啓洲
林士傑
Lin, Shih-Chieh |
| Keywords: | 職業災害
職災補償
職災賠償
職業災害保險
職業災害責任保險
職業災害認定
Occupational Accidents
Occupational Hazard
Occupational Injury
Occupational Injury Compensation
Occupational Hazard Insurance
Occupational Injury Recognition
Employer’s compensation insurance |
| Date: | 2023 |
| Abstract: | 我國勞工職業災害保險及保護法於2021 年4 月30 日公布，2022 年5
月1 日施行，以專法形式整合原有職業災害勞工保護法與勞工保險條例的
職業災害保險，提升各項給付予擴大納保範圍，從職災災前預防、職災補償
到職業災害勞工重建，讓勞工獲得完整保護。
依職安署統計資料，我國2021 年累計職業傷害達50428 人次，其中傷病4792人次，失能2002 人次，死亡503 人次。為保障勞工權益，勞基法第59 條明定事業單位雇主對於職災員工須負無過失的補償責任，包括勞工因為職業災害而致死亡、殘廢、傷害或疾病。此外，若雇主對於職業災害發生有過失，則除了負責勞工職業災害補償外，雇主須承擔額外民事損害賠償責任；此時，雇主可透過投保雇主意外責任保險與雇主補償責任保險來轉嫁相關風險。雇主意外責任保險之目的，為轉嫁雇主民事賠償責任，賠償金得抵充雇主職災民事賠償責任；而雇主補償責任保險之目的，為轉嫁勞基法上雇主職業災害補償責任，當勞保理賠金額不足以抵充雇主於勞基法上補償責任時可抵充職災補償責任，若雇主補償保險理賠金仍有剩餘，亦可作為雇主民事賠償金。
職業安全衛生為企業發展「環境(Environment)」、「社會(Social)」、「公司管理(Governance)」的ESG 經營一大重點，未來企業亦可透過購買雇主責任保險等商業保險協助轉嫁職業安全衛生相關事故風險，持續精進風險管理措施，提升安全績效指標與企業價值，展現企業能夠永續經營的良好印象。本研究將統整職業傷病鑑定、職業災害爭議審定與雇主補償責任保險、雇主意外責任保險等商業保險於職災相關責任與風險抵充給付解析，協助雇主與企業能更深入了解雇主契約補償責任險對於職災勞工照顧及災害補償的重要性，能讓勞工獲得最完整的保護，減輕雇主負擔，達成勞雇雙贏局面。
The "Labor Occupational Accident Insurance and Protection Act" of our country was promulgated on April 30, 2021 and came into effect on May 1, 2022, marking a historic moment for our occupational accident protection system. The act integrates the occupational accident insurance and the labor protection law for occupational accident workers under a special law, with the aim of expanding the coverage, enhancing benefits, and providing comprehensive protection for workers from pre-disaster prevention to post-disaster reconstruction.
According to statistics from the Ministry of Labor`s Occupational Safety and Health Administration, there were a total of 50,428 occupational injuries in our country in 2021, including 4,792 cases of illness, 2,002 cases of disability, and 503 deaths. To protect the rights and interests of workers, Article 59 of the Labor Standards Act stipulates the legal compensation responsibility of employers for employees injured in occupational accidents. When a worker suffers death, disability, injury, or illness due to an occupational accident, the employer is obligated to provide compensation.
In addition, our country adopts a dual-track system for occupational accident compensation. If the employer is at fault for the occupational accident, they are liable for additional civil damages compensation. The Labor Standards
Act grants employers the possibility to assume responsibility through both labor insurance occupational accident benefits and commercial insurance benefits. In the current insurance market, employers can transfer risks by
purchasing employer`s liability insurance and employer`s compensation insurance. Employer`s liability insurance is designed for employer`s civil compensation responsibility, and the compensation amount can offset the employer`s statutory compensation responsibility. Employer`s compensation insurance is designed to cover the compensation responsibility under the Labor Standards Act. When the employer fails to purchase labor insurance or the insurance coverage is insufficient to cover the employer`s compensation responsibility under the law, employer`s compensation insurance can make up for it. If there is still surplus compensation, it can also be used to compensate for the employer`s civil compensation responsibility.
Occupational safety and health is a major focus of the "Environment,""Social," and "Governance" (ESG) management for corporate development. In the future, companies can also transfer occupational safety and health-related accident risks through purchasing commercial insurance such as employer`s liability insurance, continuously improve risk management measures, enhance safety performance indicators, and demonstrate a positive impression of sustainable business operations. This study aims to analyze the interaction between occupational injury and illness identification, employer`s compensation responsibility insurance, employer`s liability insurance, and other
private insurances related to occupational accidents. It assists employers and businesses in gaining a deeper understanding of the importance of employer`s contractual compensation insurance in caring for occupational accident workers and providing disaster compensation. This comprehensive protection enables workers to receive complete protection and alleviates the burden on employers, achieving a win-win situation. |
| Description: | 碩士
國立政治大學
法學院碩士在職專班
107961014 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0107961014 |
| Data Type: | thesis |
| Appears in Collections: | [法學院碩士在職專班] 學位論文
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Files in This Item:
| File |
Size | Format | |
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| 101401.pdf | 1300Kb | Adobe PDF2 | 157 | View/Open |
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