Five major changes to the minimum wage for labor insurance in 2025: adjustments and impacts you must know

As 2035 approaches, Taiwan’s Minimum wage There will be major adjustments to labor insurance premium rates. According to the latest announcement from the Ministry of Labor, starting from January 1, 2025, The minimum wage will be raised to NT$28,590, the hourly wage will be increased to NT$190, and the labor insurance premium rate will also be adjusted to NT$12.5% . These adjustments will not only affect workers' income, but will also increase corporate costs. This article will introduce the five major changes in labor insurance and minimum wage in 2025 and their impact.

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1. Increase in minimum wage

The minimum wage in 2025 will be adjusted to 28,590 yuan and the hourly wage will be 190 yuan. Full-time employees It is an important protection. According to the latest regulations, the minimum wage covers various incomes such as bonuses and fixed allowances, and only calculates the salary for normal working hours. Overtime pay for non-normal working hours needs to be calculated separately. . Here is a list of salary comparisons:

• Minimum wage in 2024 (current): 27,470 yuan/month, 183 yuan/hour
• Minimum wage in 2025 (adjusted): 28,590 yuan/month, 190 yuan/hour

2. Adjustment of labor insurance levels

The coverage levels of labor insurance are also adjusted as the minimum wage increases. Starting from 2025, the labor insurance level will be divided into 12 levels, of which the first level is 28,590 yuan . These changes in levels will directly affect each worker's insurance coverage and future benefit amounts.

3. Calculation method of labor insurance expenses

The labor insurance premium rate will be adjusted to 12.5% from 2025. Of this ratio, workers need to bear 20% and employers need to bear 70%. Such burden calculation will affect the operating costs of all businesses. The following is the formula for calculating the labor burden:

• Worker's Deductible = Monthly insured level × 12.5% × 20%
• Employer's contribution = Monthly insured level × 12.5% × 70%

4. Query channels for labor insurance levels

If workers are not sure about their labor insurance level, they can easily check it through the following methods:

1. Online Enquiry: Use your natural person credentials to log in to the Labor and Insurance Bureau’s e-service system.
2. ATM Lookup: Take your labor insurance card to an ATM to check labor insurance information.
3. Telephone Inquiry: Call the labor insurance hotline for inquiries.
4. Counter Inquiry: Bring your ID to the Labor Insurance Bureau office for inquiry.

5. Legal risks of underreporting salaries

With the implementation of the new labor insurance levels, some employers may want to reduce costs by "paying high wages and reporting low wages", but this is not allowed by law. According to the Labor Insurance Regulations, arbitrarily reporting a low rate will invisibly affect workers' future insurance benefits and cause losses to their rights and interests. Therefore, companies must treat this with caution.

After the above introduction, we can see the impact of the adjustment of labor insurance and minimum wage in 2025 on workers and enterprises. In the face of such changes, it is recommended that companies consider using affiliate marketing platforms such as "AffiMarket Easy Alliance" to increase revenue sources and better cope with rising costs. At the same time, companies should also consider introducing digital human resources systems to improve the efficiency of salary management and avoid any potential legal risks due to calculation errors.