| Summary: | 碩士 === 國立臺灣大學 === 農業經濟學研究所 === 104 === The farmers’ health insurance and the welfare allowance for elderly farmers are the most important components of social welfare system for farmers in Taiwan. However, both farmers’ welfare programs encountered huge insurance financial losses and growingpension expenditures. The competent authorities implement substantial reform of farmers'' welfare institution since 2001. The purposes of this study are threefold, including: (1) To clarify the impact and changes of the two-stage reform of the farmer’s health insurance system on its insured structure. (2) To analyze reform effectiveness of the welfare allowance for elderly farmers. (3) To draft legislative amendment proposal for future positive development of farmers’ welfare system.
This research methods used in this study, including document analysis, descriptive statistical analysis and SWOT, explore the reform effectiveness of amending the farmers’ welfare laws. Several relevant results found in this study. The farmers’ welfare reforms effectively contributes to decreasing the number of insured persons and aging structure, as well as reducing amount of insurance payments and insurance financial losses. Significant improvements have been made in two-stage legislative reforms, but problems remain with future development of farmers’ welfare system.
Consequently, the study proposes nine suggestions for further reform and improvement of farmers’ welfare system. (1) The Farmers’ Health Insurance Act should be renamed as Farmers Insurance Act. (2) The township/municipal district office should be responsible for farmers’ insurance matters, instead of Farmers’ Associations. (3) Set the upper age limit for insured person as 65 years old. (4) Establish investigation mechanism to confirm agricultural income of farmers. (5) Differentiate monthly insured amount, based on farmer’s income level. (6) Increase the premiume rat gradually, and introduce premium rate adjustment mechanism. (7) The insured person pays the premium rate should be adjusted to 60%. (8) Build up a comprehensive social protection program for ensuring farmers’ welfare. (9) Intergrate the welfare allowance for elderly farmers into the farmers’ insurance program.
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