2026 National Pension 'Income Below Standard' Premium Reduction Guide: Minimum Monthly Payment of 665 NTD

The National Pension system has a subsidy mechanism for 'income below a certain standard.' Even if you don't qualify as low-income or middle-low-income, you can significantly reduce your monthly premium if you meet the conditions. The latest 2026 system (as shown in Figure 2) and key review points are as follows: 👥 Eligibility and Billing Focus • Combined Household Income Calculation: Eligibility isn't based solely on individual salary but on the average income of the insured person, spouse, first-degree lineal relatives, lineal relatives in the same household, and dependents. • Income Thresholds Vary by City/County: Based on the 2026 minimum living cost standard, thresholds differ across regions. For example, in New Taipei City, if the average monthly household income per person is below 26,625 NTD, you can receive a 70% subsidy (paying 665 NTD/month); if it's below 35,500 NTD, you can receive a 55% subsidy (paying 997 NTD/month). • Imputed Income Even Without Work: Individuals capable of working but unemployed will generally have an imputed income based on the 2026 minimum wage of 29,500 NTD, unless they meet specific exceptions like being recognized as unemployed by a public employment service agency. • No Upper Limit on Movable/Immovable Assets: This subsidy does not have an upper limit on total asset value, but income from savings interest, rental properties, etc., under your name will be included in the total household income. 📚 Application Process The insured person must proactively apply at the public service office in their registered domicile. After government approval, it will automatically link with the Bureau of Labor Insurance to change the payment notice, and eligibility will be effective from the month of application.