The longer one has been enrolled, the higher the benefits are, and there is no need to worry about dying before "getting your money's worth" because if the benefits received prior to death are less than what one would have received in a lump-sum payment, half-payments will continue going to the spouse and children.
由於年資沒有上限，工作愈久，領的愈多。而且不用擔心還沒領取或領夠「還本」前就死亡，若生前領取的年金總數低於一次領的金額，還可轉為遺屬年金，由符合條件的家屬（配偶及子女）依序繼續請領半額。