Long-term care allowance and copay calculator (2026)
Pick a care level, copayment category and county to see allowances and copay ceilings for care services, transport, respite and assistive devices.
Ceilings if the allowance is fully used
| Benefit | Allowance (NT$) | Copay ceiling (NT$) |
|---|---|---|
| Care and professional services per month · copay 16 % | 18,580 | 2,972 |
| Transport (medical visits, rehab, dialysis) per month · Zone 1 · copay 30 % | 1,680 | 504 |
| Respite care per year · copay 16 % | 32,340 | 5,174 |
| Assistive devices and home accessibility (Group 1) per 3 years · copay 30 % | 40,000 | 12,000 |
Government You
With a migrant live-in caregiver, care and professional services are paid at 30% of the allowance and must go to items other than home care (for example professional services, day care, bathing vans). Transport, assistive devices and respite follow their own rules.
The allowance includes your copay. Each service is charged at its listed price × your copay rate, rounded down; anything beyond the allowance is fully self-paid. Unused monthly allowance carries over for up to six months.
Basis: Regulations, Schedule 2 (allowances)、Schedule 5 (copayment rates)、MOHW long-term care portal。Rules as of 2026-11-10。
Estimates only：Figures follow the published rules and are not medical, legal or financial advice. Actual benefits, copayments and premiums are decided by the long-term care management centers, the National Health Insurance Administration and other competent authorities.
What do the numbers mean?
Taiwan's long-term care benefits come in four packages: care and professional services, transport, assistive devices with home accessibility, and respite care. Each has a ceiling, and within it you pay 0% to 30% depending on your category. Three choices show how much can be used each month and the most you would pay.
The allowance is the ceiling for government payment plus your copay. It is not reduced by household income; only the copay rate differs.
The copay ceiling assumes the allowance is fully used. Care plans often use less, so the real copay is lower.
The four packages cannot be swapped: care hours cannot buy devices, and transport money cannot pay a home care worker.
Residents of nursing homes and other residential facilities use a separate subsidy: from 2026, up to NT$15,000 a month and NT$180,000 a year.
How are allowances and copays calculated?
- Allowances follow Schedule 2 of the Regulations on Application and Benefits for Long-Term Care Services: seven amounts for Levels 2 to 8, four transport zones, NT$40,000 every three years for assistive devices (Group 1), and respite of NT$32,340 a year for Levels 2 to 6 or NT$48,510 for Levels 7 to 8.
- Copay = allowance × copayment rate (Schedule 5), rounded down. Care services and respite: 0%, 5%, 16% for Categories 1, 2, 3. Devices: 0%, 10%, 30%. Transport by zone: 7% to 10% for Category 2, 21% to 30% for Category 3.
- With a migrant live-in caregiver, care services are paid at 30% of the allowance (Article 10) and limited to items other than home care.
- Not included: spending beyond the allowance, county top-ups, the Group 2 device allowance (NT$60,000 every three years from 2026-07-01, instead of Group 1), and per-item price caps.
データの出典
- Care allowances (Levels 2 to 8), respite and assistive device amounts： 辦法附表二：長照需要等級及長照服務給付項目之額度 （2025-06-19） 、 衛福部長照專區「申請長照服務」（給付額度表） （2026-11-10 讀取）
- Transport zones and amounts： 辦法附表二：長照需要等級及長照服務給付項目之額度 （2025-06-19） 、 辦法附表三：交通接送服務給付分區表 （2025-06-19）
- Copayment rates by category; rounded down： 辦法附表五：部分負擔比率 （2025-06-19） 、 全國法規資料庫《長期照顧服務申請及給付辦法》 （2025-06-19）
- Migrant caregiver households: 30% of the allowance： 全國法規資料庫《長期照顧服務申請及給付辦法》 （2025-06-19） 、 衛福部長照專區「聘僱外看家庭可使用長照服務」 （2025-06-03）
- Residential subsidy up to NT$15,000 a month, NT$180,000 a year： 衛福部長照專區「住宿式服務使用者補助方案」 （2026-11-02） 、 衛福部新聞稿「長照3.0中重度照顧支持升級 機構住民補助每年最高18萬」 （2026-09-10）
Rules as of 2026-11-10
Frequently asked questions
Who decides the care needs level?
A care manager from the county long-term care management center visits the home or hospital and completes a standard assessment; the system assigns Level 1 to 8. Level 1 receives no benefits. To apply, call the 1966 hotline or the local center.
What do lower-middle-income households pay?
Registered low-income and lower-middle-income households are both Category 1 and pay 0% within the allowance. Category 2, with 5% to 10% copays, covers people who qualify for the second tier of the elderly living allowance or the disability living subsidy.
Can a family with a migrant caregiver still apply?
Yes. At Level 2 or above, care and professional services are paid at 30% of the allowance for items other than home care, such as professional services, day care or bathing vans. Transport and assistive devices are available as usual, and respite care can be used when the caregiver is on leave.
What happens to unused allowance?
Care services and transport are monthly. Unused amounts carry over for six months from the month the plan was approved and then expire. Devices are granted once every three years and respite once a year.
Do these allowances apply in a nursing home?
No. Residents of full-time residential facilities apply for the residential user subsidy instead: Level 4 or above, or a moderate or more severe disability certificate, qualifies for up to NT$15,000 a month and NT$180,000 a year from 2026, with no means test, capped at fees actually paid.
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