# Pensions for foreigners? (2020) **URL:** \ **Category:** Discrimination in Taiwan\ **Tags:** social\_security, retirement\ **Created:** [July 11, 2020, 4:28pm UTC](https://tw.forumosa.com/t/pensions-for-foreigners-2020/194304 "2020-07-11T16:28:50Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![Rocket](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/rocket/32/160144_2.png) [@Rocket](https://tw.forumosa.com/u/Rocket)\ **Post date:** [July 11, 2020, 4:28pm UTC](https://tw.forumosa.com/t/pensions-for-foreigners-2020/194304/1 "2020-07-11T16:28:50Z")
Why does everyone keep saying we don’t get pensions?? ---
**Author:** ![dan2006](https://forumosa-12829.kxcdn.com/letter_avatar_proxy/v4/letter/d/ea666f/32.png) [@dan2006](https://tw.forumosa.com/u/dan2006)\ **Post date:** [July 12, 2020, 1:27am UTC](https://tw.forumosa.com/t/pensions-for-foreigners-2020/194304/2 "2020-07-12T01:27:29Z")
Single ARC holders don’t get pensions as far as I know which should be rectified. APRC holders are supposed to but so many companies refuse to pay into the scheme even though they are legally required to. ---
**Author:** ![Rocket](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/rocket/32/160144_2.png) [@Rocket](https://tw.forumosa.com/u/Rocket)\ **Post date:** [July 12, 2020, 1:44am UTC](https://tw.forumosa.com/t/pensions-for-foreigners-2020/194304/3 "2020-07-12T01:44:39Z")
> [@dan2006](#): > > Single ARC holders don’t get pensions as far as I know which should be rectified. APRC holders are supposed to but so many companies refuse to pay into the scheme even though they are legally required to. I never had an APRC for any of my qualifying work years. I didn’t even have a JFRC for 2/3 of them, and it didn’t matter. There was some question with some early employers, but again, it didn’t matter as long as I was legally employed, like any regular local. If one can’t qualify because they weren’t even legally employed, well, that would be the same in any country, no? ---
**Author:** ![eCanada](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/ecanada/32/126538_2.png) [@eCanada](https://tw.forumosa.com/u/eCanada)\ **Post date:** [July 12, 2020, 11:53pm UTC](https://tw.forumosa.com/t/pensions-for-foreigners-2020/194304/4 "2020-07-12T23:53:42Z")
> [@Rocket](#): > > Why does everyone keep saying we don’t get pensions?? > [@Taiwan Stimulus Vouchers and Relief Packages Discussion](https://tw.forumosa.com/t/taiwan-stimulus-vouchers-and-relief-packages-discussion/192666/368): > > APRC holders are supposed to but so many companies refuse to pay into the scheme even though they are legally required to. Private international schools are exempt from paying a pension at all. They are exempt from the labor act. It’s messed up but true. They follow the private schools act. Schools like TAS don’t have to pay it either but choose to. I have my APRC and and married to a Taiwanese. ---
**Author:** ![dan2006](https://forumosa-12829.kxcdn.com/letter_avatar_proxy/v4/letter/d/ea666f/32.png) [@dan2006](https://tw.forumosa.com/u/dan2006)\ **Post date:** [July 13, 2020, 12:03am UTC](https://tw.forumosa.com/t/pensions-for-foreigners-2020/194304/5 "2020-07-13T00:03:29Z")
I think I’m confusing things with Laobao. I thought laobao was mandatory to be paid in by all companies if one is on an APRC? Private international schools get an out? Other than them though everyone else needs to pay in, such as a private buxiban? ---
**Author:** ![eCanada](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/ecanada/32/126538_2.png) [@eCanada](https://tw.forumosa.com/u/eCanada)\ **Post date:** [July 13, 2020, 12:19am UTC](https://tw.forumosa.com/t/pensions-for-foreigners-2020/194304/6 "2020-07-13T00:19:29Z")
> [@dan2006](#): > > Private international schools get an out? They do. The law says they have the option. My old school told me the only way I’d get it was if I signed a new contract which lowered my pay by the deduction amount. Ridiculous. > [@dan2006](#): > > Other than them though everyone else needs to pay in, such as a private buxiban? Correct ---
**Author:** ![dan2006](https://forumosa-12829.kxcdn.com/letter_avatar_proxy/v4/letter/d/ea666f/32.png) [@dan2006](https://tw.forumosa.com/u/dan2006)\ **Post date:** [July 13, 2020, 1:07am UTC](https://tw.forumosa.com/t/pensions-for-foreigners-2020/194304/7 "2020-07-13T01:07:05Z")
Thanks for that, learned something new. ---
**Author:** ![Rocket](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/rocket/32/160144_2.png) [@Rocket](https://tw.forumosa.com/u/Rocket)\ **Post date:** [July 13, 2020, 1:11am UTC](https://tw.forumosa.com/t/pensions-for-foreigners-2020/194304/8 "2020-07-13T01:11:32Z")
> [@eCanada](#): > > Private international schools are exempt from paying a pension at all. They are exempt from the labor act. It’s messed up but true. They follow the private schools act. Schools like TAS don’t have to pay it either but choose to. That may well be the case, but that’s clearly your choice. The same would be true for a local person who filled your position. If I were in Canada and did all my work under the table, it would be fallacious of me to go online and say I was being discriminated against because I couldn’t collect pogey. Your earlier post of: > [@Taiwan Stimulus Vouchers and Relief Packages Discussion](https://tw.forumosa.com/t/taiwan-stimulus-vouchers-and-relief-packages-discussion/192666/246): > > I’ve been here for over ten years and can’t vote or **get a pension** Is pretty misleading, since you very clearly **can** get a pension. Especially in the spirit of this thread, one aim of which is to highlight _actual_ discriminatory policies, of which there are plenty. Just saying. ---
**Author:** ![eCanada](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/ecanada/32/126538_2.png) [@eCanada](https://tw.forumosa.com/u/eCanada)\ **Post date:** [July 13, 2020, 1:34am UTC](https://tw.forumosa.com/t/pensions-for-foreigners-2020/194304/9 "2020-07-13T01:34:07Z")
> [@Rocket](#): > > that’s clearly your choice I disagree. A large number of schools do the same thing and it’s legal. With my qualifications, the vast majority of jobs do the same thing > [@Rocket](#): > > The same would be true for a local person who filled your position. False. Several local people I worked with get the full pension. The law allows them to withhold from all foreigners regardless of residence status. > [@Rocket](#): > > all my work under the table I have never worked under the table > [@Rocket](#): > > Is pretty misleading, Not misleading at all. For a job in my field, I am not able to get a pension. To receive it, I would need to accept a cram school job at a significantly lower pay and different job altogether. What’s also not misleading is that there private school act allows for this to happen. > [@Rocket](#): > > highlight _actual_ discriminatory policies, This is actual discrimination FYI ---
**Author:** ![Rocket](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/rocket/32/160144_2.png) [@Rocket](https://tw.forumosa.com/u/Rocket)\ **Post date:** [July 13, 2020, 1:40am UTC](https://tw.forumosa.com/t/pensions-for-foreigners-2020/194304/10 "2020-07-13T01:40:48Z")
> [@eCanada](#): > > This is actual discrimination FYI No it isn’t. FYI ---
**Author:** ![Brianjones](https://forumosa-12829.kxcdn.com/letter_avatar_proxy/v4/letter/b/eada6e/32.png) [@Brianjones](https://tw.forumosa.com/u/Brianjones)\ **Post date:** [July 13, 2020, 1:56am UTC](https://tw.forumosa.com/t/pensions-for-foreigners-2020/194304/11 "2020-07-13T01:56:27Z")
> [@eCanada](#): > > Several local people I worked with get the full pension. The law allows them to withhold from all foreigners regardless of residence status. That’s very troubling, is that an exemption for private schools only ? There’s an actual ‘private schools act’? ---
**Author:** ![Brianjones](https://forumosa-12829.kxcdn.com/letter_avatar_proxy/v4/letter/b/eada6e/32.png) [@Brianjones](https://tw.forumosa.com/u/Brianjones)\ **Post date:** [July 13, 2020, 1:59am UTC](https://tw.forumosa.com/t/pensions-for-foreigners-2020/194304/12 "2020-07-13T01:59:39Z")
> [@dan2006](#): > > APRC holders are supposed to but so many companies refuse to pay into the scheme even though they are legally required to. Have you encountered that ? I’ve not encountered a problem with laobao payments and I’ve had quite a lot of jobs with local companies over the years. It may be something specific to the educational industry . Do employers have to pay laobao if under a certain amount of hours ? I remember some were careful not to let my hours go over 16 hours because of mandatory jian bao. ---
**Author:** ![Brianjones](https://forumosa-12829.kxcdn.com/letter_avatar_proxy/v4/letter/b/eada6e/32.png) [@Brianjones](https://tw.forumosa.com/u/Brianjones)\ **Post date:** [July 13, 2020, 2:00am UTC](https://tw.forumosa.com/t/pensions-for-foreigners-2020/194304/13 "2020-07-13T02:00:00Z")
> [@eCanada](#): > > This is actual discrimination FYI Yes it is. Even if it is legal (which is not assured ), it’s still full on discrimination. ---
**Author:** ![eCanada](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/ecanada/32/126538_2.png) [@eCanada](https://tw.forumosa.com/u/eCanada)\ **Post date:** [July 13, 2020, 2:02am UTC](https://tw.forumosa.com/t/pensions-for-foreigners-2020/194304/14 "2020-07-13T02:02:56Z")
> [@Brianjones](#): > > That’s very troubling, is that an exemption for private schools only ? There’s an actual ‘private schools act’? Yes, me and other coworkers have been to several government agencies. It seems private schools lobbied to get their own legislation which means they aren’t bound by the labor laws regarding ARC or APRC holders. The labor board has confirmed this. ---
**Author:** ![dan2006](https://forumosa-12829.kxcdn.com/letter_avatar_proxy/v4/letter/d/ea666f/32.png) [@dan2006](https://tw.forumosa.com/u/dan2006)\ **Post date:** [July 13, 2020, 3:35am UTC](https://tw.forumosa.com/t/pensions-for-foreigners-2020/194304/15 "2020-07-13T03:35:03Z")
It was more that they had no idea that they were required to pay into it. I think they see so few APRCs since most people leave after a year or two. My biggest problem of late is companies that state the company policy is that you must be a citizen to get hired, HR says no APRCs (non buxi related) ---
**Author:** ![tando](https://forumosa-12829.kxcdn.com/letter_avatar_proxy/v4/letter/t/6f9a4e/32.png) [@tando](https://tw.forumosa.com/u/tando)\ **Post date:** [July 13, 2020, 6:47am UTC](https://tw.forumosa.com/t/pensions-for-foreigners-2020/194304/16 "2020-07-13T06:47:54Z")
> [@Rocket](#): > > > [@dan2006](#): > > > > Single ARC holders don’t get pensions as far as I know which should be rectified. APRC holders are supposed to but so many companies refuse to pay into the scheme even though they are legally required to. > > I never had an APRC for any of my qualifying work years. > I didn’t even have a JFRC for 2/3 of them, and it didn’t matter. > There was some question with some early employers, but again, it didn’t matter as long as I was legally employed, like any regular local. the pension became mandatory for foreign spouses recently, then APRC holders very recently. I don’t remember I heard that it became mandatory for non spouse ARC holders. ---
**Author:** ![Rocket](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/rocket/32/160144_2.png) [@Rocket](https://tw.forumosa.com/u/Rocket)\ **Post date:** [July 13, 2020, 7:01am UTC](https://tw.forumosa.com/t/pensions-for-foreigners-2020/194304/17 "2020-07-13T07:01:00Z")
> [@tando](#): > > the pension became mandatory for foreign spouses recently, then APRC holders very recently. I don’t remember I heard that it became mandatory for non spouse ARC holders. Half of my qualifying years were as a non-spouse work-based ARC holder. ---
**Author:** ![tando](https://forumosa-12829.kxcdn.com/letter_avatar_proxy/v4/letter/t/6f9a4e/32.png) [@tando](https://tw.forumosa.com/u/tando)\ **Post date:** [July 13, 2020, 7:06am UTC](https://tw.forumosa.com/t/pensions-for-foreigners-2020/194304/18 "2020-07-13T07:06:18Z")
> [@Rocket](#): > > Half of my qualifying years were as a non-spouse work-based ARC holder. emplpyers can add non spouse foreigners, but it is not mandatory. For citizens, foreign spouses, and APRC holders, pension is mandatory. ---
**Author:** ![hannes](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/hannes/32/161150_2.png) [@hannes](https://tw.forumosa.com/u/hannes)\ **Post date:** [July 13, 2020, 7:08am UTC](https://tw.forumosa.com/t/pensions-for-foreigners-2020/194304/19 "2020-07-13T07:08:16Z")
> [@dan2006](#): > > Many companies refuse to pay into the scheme even though they are legally required to So if you are entitled to the pension at the end of your career and the company refuses to pay, what then? Going to court? How are the chances there? Has anyone done this? Just asking for a friend… ---
**Author:** ![tando](https://forumosa-12829.kxcdn.com/letter_avatar_proxy/v4/letter/t/6f9a4e/32.png) [@tando](https://tw.forumosa.com/u/tando)\ **Post date:** [July 13, 2020, 8:28am UTC](https://tw.forumosa.com/t/pensions-for-foreigners-2020/194304/20 "2020-07-13T08:28:10Z")
Legal aspects in Chinese > **[台糖通訊-勞動教室—雇主未按實際工資提繳退休金責任與勞工救濟](https://www.taisugar.com.tw/Monthly/CPN.aspx?ms=1395&p=13385376&s=13385396)** > > 一、前言 按勞工退休金條例（下稱勞退條例）制度規定，雇主應為適用勞退條例之勞工，按月提繳退休金，儲存於勞工保險局（下稱勞保局）設立之勞工退休金個人專戶，故勞工退休金提撥係屬雇主責任。是以，當雇主未依勞... The date is 5 yrs ago, so there can be some differences. [Next page](https://tw.forumosa.com/t/pensions-for-foreigners-2020/194304.md?page=2)