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Funeral Knowledge葬儀百科
喪葬補助
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家人過世能領多少勞保喪葬補助？完整公開本人死亡給付與家屬津貼金額計算、申請資格與應備文件，教您避開重複請領陷阱，為至親爭取應有權益。
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勞保死亡給付中，與喪葬費最相關的主要分為兩種：被保險人本人死亡給付與家屬死亡給付。
若逝者本身是勞保被保險人，且在保險有效期間內死亡，通常可由支出殯葬費的人申請 5 個月喪葬津貼；若沒有符合資格的遺屬，或遺屬不符合遺屬年金、遺屬津貼請領條件，則可申請 10 個月喪葬津貼。
若過世的是勞保被保險人的父母、配偶或子女，則屬於家屬死亡給付。給付標準依身分不同而異：父母或配偶死亡為 3 個月；年滿 12 歲子女死亡為 2.5 個月；未滿 12 歲子女死亡為 1.5 個月。
家人同時有勞保，誰申請比較划算？
當同一位家屬過世，多位子女或親屬均有勞保時，依法只能由「平均月投保薪資最高者」代表請領一份家屬喪葬津貼，無法重複領取。 為了讓家屬評估最合適的申請方式，以下整理本人死亡與眷屬死亡給付的具體數據與限制：
| 比較項目 | 勞保被保險人本人死亡(來源參考) | 家屬死亡給付：父母／配偶／子女死亡(來源參考) |
|---|---|---|
| 請領資格 | 被保險人在勞保有效期間死亡 | 被保險人於勞保有效期間，其父母、配偶或子女死亡 |
| 給付標準 | 一般為 5 個月；若無符合請領遺屬年金或遺屬津貼資格之遺屬，或無遺屬者，喪葬津貼為 10 個月。 | 父母或配偶死亡 3 個月；年滿 12 歲子女死亡 2.5 個月；未滿 12 歲子女死亡 1.5 個月 |
| 平均薪資試算基準 | 以死亡當月（含當月）起前 6 個月之平均月投保薪資計算 | 以死亡家屬死亡當月（含）起前 6 個月，被保險人本人之平均月投保薪資計算 |
| 預算補助估算範例 | 若投保薪資 $45,800，5個月可領 $229,000 | 若平均月投保薪資 45,800 元，父母／配偶死亡 3 個月可領 137,400 元 |
| 申領人數與限制 | 由支出殯葬費之人請領，申請喪葬津貼須檢附殯葬費用支出單據或證明文件 | 同一事故不得重複請領，原則上只能由 1 人請領；若多人申請，勞保局會通知申請人於 30 日內協議，協議不成時，以其中核計最高金額平均發給。 |
申請勞保補助要準備哪些文件？3大步驟輕鬆申辦
申請勞保喪葬補助需於逝者過世日起5年內提出，準備好死亡證明書、戶籍謄本與金融機構存簿影本即可線上或郵寄辦理。 建議家屬在辦理除戶登記時，直接於戶政事務所同步申請勞保家屬死亡津貼，節省往返奔波的時間。
步驟一：取得死亡證明文件
請先取得死亡證明書；若屬司法相驗案件，則使用檢察官相驗屍體證明書；若為死亡宣告，則需檢附死亡宣告裁定書。
步驟二：辦理死亡登記，確認申請類型
若申請本人死亡給付，通常需準備載有死亡日期之戶籍謄本，且記事請勿省略。若申請家屬死亡給付，則建議先完成死亡登記，再依情況選擇戶政通報、線上申請或書面申請。
步驟三：備齊申請書、收據與帳戶資料
若申請勞保被保險人本人死亡喪葬津貼，需準備本人死亡給付申請書及給付收據、死亡證明文件、戶籍謄本，以及殯葬費用支出單據或證明文件。若申請家屬死亡給付，且被保險人與死者均為本國籍並已完成死亡登記，可透過戶政通報、線上或書面方式申請；書面申請時需填寫家屬死亡給付申請書及給付收據，並檢附被保險人國內金融機構存摺影本。
Q1：家人過世如果同時符合勞保和國保，可以兩種補助都領嗎？
A：不可以重複請領。政府社會保險給付採取「擇優請領」原則，若逝者同時符合國保喪葬給付與勞保家屬死亡津貼，家屬需試算兩者金額後選擇較高者提出申請。
Q2：如果逝者退保後不久過世，還能申請勞保喪葬補助嗎？
A：只要符合特定條件仍可請領。若逝者在勞保有效加保期間發生傷病，並於退保後1年內因該傷病死亡，仍可依規定請領勞保本人死亡給付之喪葬津貼。
Q3：勞保喪葬補助申請後多久會撥款下來？
A：勞保局收到申請書並審核無誤後，通常會在 10 至 14 個工作天內將補助款項直接匯入申請人指定的金融機構帳戶中。
延伸閱讀
2026 榮民喪葬補助可以跟勞保、國保一起領嗎？給付金額與擇優請領比較
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