Medical care and disability benefits after a public official accident
This Korea-specific calculator uses the 2026 Korean Public Officials Disaster Compensation Act to reconcile patient-paid medical care and compare disability pension with a lump sum.
It serves officials and families preparing records after an injury or disease related to public duties.
Recognition of the duty-related accident, a medical care claim and a disability claim after retirement involve separate conditions and evidence.
Begin with your employment status and official decisions before treating any formula amount as an available payment.
Confirm the applicable employment system
Check national or local public official status, public-school education employment, and police or fire service status.
Military personnel and private-school staff have separate compensation or pension systems; elected officials are excluded from the Act Article 3 definition used here.
Working for an institution alone does not establish eligibility under this system.
If your status is uncertain, confirm it with your institution first.
Benefits for children with health damage have separate provisions and are outside this calculator.
What the results show
Disability benefit comparison
Use an official grade from 1 to 14 and confirmed standard monthly income to calculate the monthly pension formula, a 12-month annual amount and a 60-month lump sum.
The grade table compares all rates for the same income and marks your selected grade with a star.
The tool does not assess a medical condition, assign a disability grade or combine multiple disabilities.
Care costs and claim preparation
Patient copay plus approved extra care, less prior payment for the same care expenses, gives an unpaid claim reference balance.
Unverified extra costs and excluded costs remain separate.
Cause-date references, evidence checks, TXT download and printing help organize the next conversation with your institution or the Government Employees Pension Service, GEPS.
The results keep disability pension, disability lump sum and the medical care balance separate.
Pension and lump sum are alternatives, while medical care can suspend pension payments and other benefits or third-party compensation can require coordination.
Read each amount together with its conditions and pending checks.
Input meanings: income, official grade and retirement
- Standard monthly income: This is the institution-confirmed benefit calculation basis, not necessarily basic salary, gross monthly pay or take-home pay.
Enter the whole-KRW amount and mark whether its evidence has been confirmed.
- Official disability grade: Select unassessed when no official grade is available.
An industrial accident grade or a private insurance impairment percentage should not be transferred without confirming the applicable assessment system.
- Retirement status: Act Article 28 covers retirement in a duty-related disability state or a qualifying disability arising after retirement from a prior duty-related injury or disease.
A formula shown during active employment is a hypothetical comparison, not a current disability pension entitlement.
- Recognition and coordination: Record unverified, pending, approved or rejected status and check other statutory benefits or third-party damages.
Medical care approval alone does not establish every disability benefit condition.
The income valuation date is a separate question
Enforcement Decree Article 17 uses the day before retirement for the income valuation basis when the benefit cause occurs on retirement or after it.
January through April and promotion, transfer or position changes can involve additional income calculation rules.
This income valuation date does not automatically replace the limitation cause date.
The average-income 50–160% compensation band in Act Article 10(2) is not applied indiscriminately to disability benefits.
Disability pension and lump-sum formulas
Monthly disability pension formula = standard monthly income × official grade rate
Annual amount = monthly formula × 12 months
Disability lump sum = monthly formula × 60 months (five years)
Act Article 29 specifies 14 rates from 52% for grade 1 to 9.75% for grade 14, decreasing by 3.25 percentage points per grade.
The table below uses the same verified rate constants as the interactive calculation.
Each displayed amount is independently rounded to whole KRW from the unrounded formula.
This display convention is not a statutory agency payment or rounding rule; reconcile any rounding difference with the official decision.
Article 29 disability rates and monthly formulas at KRW 4 million standard monthly income| Grade | Rate | Monthly at KRW 4m |
|---|
| Grade 1 | 52% | 2,080,000 KRW |
| Grade 2 | 48.75% | 1,950,000 KRW |
| Grade 3 | 45.5% | 1,820,000 KRW |
| Grade 4 | 42.25% | 1,690,000 KRW |
| Grade 5 | 39% | 1,560,000 KRW |
| Grade 6 | 35.75% | 1,430,000 KRW |
| Grade 7 | 32.5% | 1,300,000 KRW |
| Grade 8 | 29.25% | 1,170,000 KRW |
| Grade 9 | 26% | 1,040,000 KRW |
| Grade 10 | 22.75% | 910,000 KRW |
| Grade 11 | 19.5% | 780,000 KRW |
| Grade 12 | 16.25% | 650,000 KRW |
| Grade 13 | 13% | 520,000 KRW |
| Grade 14 | 9.75% | 390,000 KRW |
Medical care is not the entire hospital bill
Act Article 22 addresses diagnosis, drugs, treatment materials and prostheses, procedures or surgery, admission, nursing, transport and rehabilitation treatment.
Act Article 25 and Decree Articles 30 and 34 establish the cost categories relevant to medical care reimbursement.
Separate the NHI patient copay, approved additional costs, unverified additional costs and excluded costs.
An expense does not become fully reimbursable simply because a receipt describes it as outside ordinary health insurance coverage.
Claim reference balance
Recognized cost = patient copay paid + approved extra care
Unpaid claim reference balance = recognized cost − care benefit already paid for the same costs
Do not add the National Health Insurance insurer share to the patient claim again.
Do not leave already-paid expenses in the outstanding claim.
Private insurance payments and third-party damages should not be entered wholesale as prior public medical care benefits; check their coordination separately with GEPS.
If the entered prior payment exceeds the recognized cost, the tool reports an error so that the record scope can be reconciled.
The ordinary limit is three years of actual medical care for the same injury or disease.
When medical evidence supports continued treatment, extensions can be approved in periods of at most one year.
The reference month input represents cumulative actual care, not all elapsed time since the accident.
At 36 months prepare extension evidence; above 36 months verify extension approval and the approved treatment dates.
Rehabilitation exercise, counseling and nursing benefits have separate conditions, approval requirements and evidence, so no automatic amount is added here.
Step-by-step use and application process
- Select employment and injury or disease, then record the recognition status.
Leave approval pending when no decision is available.
- For disability comparison, enter confirmed standard monthly income, the official grade and retirement status.
Choose pension or lump sum and review the nominal accumulation table.
- Reconcile receipts and payment records into copay, approved extra costs, unverified costs, excluded costs and already-paid care.
Enter confirmed zeros explicitly so that they remain distinguishable from missing values.
- Enter benefit cause dates and your planned application date.
For a disputed decision, record both the decision date and the date it became known, then review both reference periods.
- Read pending checks and save or print the report with its assumptions.
After actual submission, retain a receipt and mark the personal checklist yourself.
Under Decree Article 28, a duty-related medical care approval application includes the application form, an account of the incident and a diagnosis stating the care period, submitted to the pension handling institution head or GEPS.
If urgent treatment prevented advance approval, apply without delay after care begins.
Some delegated benefits can be decided directly by GEPS, so the review path is not identical for every case.
Decree Article 41 addresses the disability claim form, incident account and public-official disability diagnosis submitted through the institution.
Worked examples: KRW 4 million income, grade 7 and care expenses
Fictional grade 7 case
KRW 4,000,000 standard monthly income × 32.5% produces a KRW 1,300,000 monthly formula amount.
The 12-month amount is KRW 15,600,000 and the five-year lump sum is KRW 78,000,000.
Pension accumulation equals the lump sum at 60 paid months and first exceeds it at 61 months by KRW 1,300,000.
For the same income, grade 1 produces KRW 2,080,000 monthly and KRW 124,800,000 as a lump sum; grade 14 produces KRW 390,000 monthly and KRW 23,400,000 as a lump sum.
Fictional care reconciliation
A KRW 300,000 copay plus KRW 200,000 approved additional care, less KRW 100,000 prior payment for the same costs, leaves KRW 400,000 as the claim reference balance.
KRW 150,000 unverified extra costs and KRW 50,000 excluded costs stay outside the KRW 500,000 recognized amount.
Entered patient outlay before subtracting prior benefit payment totals KRW 700,000; this is not a promise to reimburse the whole total.
If an unverified cost is later approved, move it to the appropriate field and recalculate.
The example button assumes approval, retirement and verified evidence.
Replace the example amounts, dates and confirmation checks with your own records.
Changing only the amount while retaining the fictional approval assumptions can make the result appear more certain than your case warrants.
Understanding 60 months and payment suspension
The 60-month equality point is a nominal comparison assuming the same monthly amount is paid without suspension.
It does not establish the economically best benefit choice.
Article 14 inflation adjustment, the time value of money, a later grade change, payment suspension, family cash needs and the actual payment period can change the practical comparison.
Use the 1-, 3-, 5-, 10- and 20-year rows and your selected month count to discuss assumptions.
Two rules to check before choosing
Act Article 32(4) suspends disability pension when its recipient receives medical care benefits, from the month after care starts through the month care ends.
Re-employment and other suspension provisions incorporated by Act Article 32(1) also require separate review.
Decree Article 32(1) restricts re-care applications for five years from disability lump-sum payment.
If future re-care may matter, discuss that restriction with GEPS alongside the immediate five-year cash amount.
Practical scenarios
During treatment, with family support
Sort treatment receipts within the approved period and keep unverified items in a separate list.
During active employment, read disability amounts as a comparison assuming the later retirement condition.
A spouse or adult child helping with the records should still verify the diagnosis, patient share and relevant cause event with the institution.
Preparing a disability claim after retirement
Compare pension and lump sum using the official grade and income evidence.
Separate the accident date from the disability benefit cause date, and check other benefits, third-party damages and re-care restrictions.
A printed pending-check list helps make the next institution or GEPS consultation specific.
After rejection, a calculated amount does not predict approval on review.
Read the rejection reasons and identify missing evidence before considering the review process.
Combined disabilities, benefits for children with health damage, and duty-related or hazardous-duty survivors benefits require separate provisions beyond this calculation.
Limitation and review date cautions
The accident date is not every cause date
Act Article 54 addresses the period beginning when the relevant benefit cause occurs.
Medical care, rehabilitation, nursing and relief benefits have a three-year period; other benefits, including disability, have five years.
Do not assume care and disability have the same cause event.
Claims can interrupt limitation and separate provisions address a final favorable judgment.
Passing five years after an accident alone therefore does not establish loss of disability entitlement.
Act Article 51 review involves both 180 days from the decision and 90 days from awareness.
An exception can apply when a justified reason for missing the period is proved.
Article 51(4) excludes ordinary administrative appeal, and Act Article 55 has a postal-transit rule, so confirm submission method and evidence as well.
The displayed dates are calendar references only, excluding holidays, limitation interruption, exceptions and postal adjustments.
A care cause date of 2023-10-06 gives a three-year reference of 2026-10-06; a planned application on that date has zero reference days remaining.
For 2024-02-29 plus five years, the tool shows 2029-02-28 because the matching day does not exist.
A decision on 2026-06-01 gives a 180-day reference of 2026-11-28; awareness on 2026-06-10 gives a 90-day reference of 2026-09-08.
Use the earlier reference to seek prompt confirmation, not as a final deadline or an expiry determination.
Frequently asked questions
Can an active official receive the displayed disability pension?
Act Article 28 includes a retirement condition.
During active employment, read the amount as a hypothetical comparison rather than a current entitlement.
Check medical care claims separately.
Can I enter gross pay as standard monthly income?
Use the institution-confirmed benefit income basis.
Decree Article 17 includes the day-before-retirement basis and January–April or promotion adjustments.
Gross pay and standard monthly income need not be identical.
What if the disability grade is not known?
Select unassessed and the disability amount remains pending.
Decree Article 40, Annexes 3 and 4, and Rule Annex 2 govern official assessment.
This calculator does not assign a grade or combine disabilities.
Can I receive both the lump sum and the pension?
The Article 29 lump sum replaces pension and equals five years of it.
Do not add the two amounts.
Also check the five-year re-care application restriction after lump-sum payment under Decree Article 32.
Are all uninsured care and nursing expenses reimbursable?
Cost recognition and separate benefit requirements must be checked.
Unverified extra costs stay outside the claim balance.
Rehabilitation and nursing benefits are not automatically added; reconcile receipts with approval records.
Does the accumulation table apply while receiving care benefits?
Act Article 32(4) suspends disability pension from the month after care starts through the ending month.
The accumulation table assumes no suspension, so actual paid benefits may differ.
Is disability entitlement lost five years after the accident?
Disability limitation must be checked from the relevant benefit cause date.
Do not automatically use the accident date.
Confirm interruption, judgment history and individual circumstances with the agency; the tool does not determine expiry.
Should I use ordinary administrative appeal after rejection?
Act Article 51(4) excludes ordinary administrative appeal.
Check Pension Committee review, both the 180-day decision and 90-day awareness periods, justified cause and postal exceptions.
Litigation procedures and filing periods require separate review.
Official sources and rule dates
Official source text was checked October 6, 2026 using the National Law Information OPEN API and current-law status.
The Act is Law No. 22049, Law ID 013099 / MST 290225, effective October 2, 2026.
The Decree is Presidential Decree No. 36359, ID 013171 / MST 286319, effective May 28, 2026.
The Rule is Prime Ministerial Ordinance No. 2028, ID 013174 / MST 270211, effective March 20, 2025.
The verified provisions include the 14 rates in Article 29, Act Articles 22, 25, 28, 32, 51 and 54, and Decree Articles 17, 28–32, 34, 40 and 41.
Recheck amendments, income valuation, grade assessment, approved additional costs and coordination with other benefits against current agency decisions.
Applying the current rules to an older accident can require separate transitional-provision review.
Save the assumptions and reconcile your application records
Keep the employment, grade, income, receipts and cause dates alongside the amounts.
The TXT report includes inputs, confirmation status, unverified costs, calendar references and benefit-choice cautions.
Compare the saved or printed report with approval forms, diagnoses, receipts and prior payments during your institution or GEPS consultation.
Preparation and submission checks record actions you personally completed; the calculator does not submit an application.
Return to the calculator and enter your records ↑