The Impact of Enforcing Life Insurance Policies: Challenges Faced by Taipei District Court Clerks

2024-04-30 22:00:00

The Taipei District Court’s civil enforcement office is the hardest-hit area when it comes to enforcing life insurance policies, and there has been a wave of resignations among court clerks. (Photo/photo by reporter Fang Wanmin)

The judicial issue, which has involved blood and sweat, is causing social concern, and court clerks are no exception! The Civil Chamber of the Supreme Court ruled on December 9, 2022 that reserves from premiums paid for life insurance can be used as an object of execution. Cases to enforce insurance policies are pouring like a landslide into the Taipei District Court, because some of them. Of the 21 insurance companies in Taiwan, 19 are located in the Taipei District Court area. According to North Hospital statistics, there will be more than 200,000 execution cases in 2023, an increase of 35% compared with 2022. Even though the North Campus has prepared several sets of scenarios and urgently invested a lot of resources and manpower, there were still employees who lamented: It’s been a long time since I was able to leave work while it was still daylight!

It is understood that in order to clean up the enforcement cases of life insurance policies, the Northern Hospital has adopted a multi-pronged approach, on the one hand, it added 7 new clerks to the Division of civil execution and also transferred all clerks. who have served in the Civil Division for less than 3 years in the Civil Enforcement Division. He also encouraged bailiffs and court clerks to be promoted from within, and at the same time recruited external candidates to expand the Civil Enforcement Office’s workforce. When the new employees learned they were going to work in the North Campus Office of Civil Enforcement, they became afraid and withdrew. On May 1st, there were 2 more. Two secretaries are on the verge of resigning, making the North Campus’ already tight staffing levels tight. even worse.

It was pointed out that the North Hospital even had the idea of ​​transferring criminal clerks to the Civil Law Enforcement Division of the Criminal Division. It was later discovered that many criminal clerks had no experience handling civil cases. I have to relearn and adapt, which was not an option. I gave up because I was afraid of causing internal chaos.

Many clerks often air their grievances on social media to reflect the hard work of bailiffs. (Photo / Reprinted from Facebook “Beibei Recorder”)

A North Campus employee complained in the Facebook community “Beijing Clerk”: I know that governing is hard work for the people, but I didn’t know that it would take a lot of work to develop this kind of virtue. Since the relevant judgments of the Great Court were handed down, serious overtime has become commonplace in the hardest-hit area of ​​the country’s No. 1 hospital (Zhibei Hospital). Everyone who can be transferred is gone, and those. who have the courage to resign have already spoken out. I don’t know how this fire is going to play out. How long does it take to burn? I don’t know if things will improve after the stock increase, and I don’t know who I’m going to vent to now…

The employee pointed out that when he joined the Enforcement Bureau, he was taught to patrol files regularly, but now we no longer have free time to patrol files. The number of pending cases has overwhelmed us, and there are still oral arguments for closed cases. I had to transfer them to the office. The cabinets were gradually stacked higher, and I kept thinking that if the cabinets fell and hit me, would I be able to leave this terrible place?

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Other employees left messages saying that in recent years the volume of cases has exploded and people in the records department have been screaming. A place like the Execution Bureau that was abandoned by the “gods” shouldn’t even expect to get pity. Last year, various companies (referring to various companies) Just use the suicide prevention card issued by the court). This job is not worth losing your life for. Another employee judged: It may take another two years, when all enforceable insurance policies are almost fully implemented, before the disaster ends.

Clerks and judges are close working partners and they are also victims of hard-won justice. (Photo/reproduced from the official website of the College of Judicial Magistrates)

There is also a purchase order written by the secretary of the insurance association, in the hopes of “ensuring efficient shipments.” It is said that the insurance association has increased its fees and prices, but the efficiency has not improved. He said seeing the bumper numbers rising every day was scarier than Taiwan’s stock market. You know, we’ll order tea or coffee from the dean’s office first. (Because the notable characters are too ugly, I will be asked to make tea). Creditors often make emotional remarks, believing that the court is unduly delaying the enforcement process and that they are unfairly taking responsibility. But there are also employees who complain on behalf of life insurance associations, thinking that they too are too busy.

In this regard, many judges and court clerks believe that the law on execution should be revised and the court of execution should be replaced by the court where the debtor is located in order to reduce the pressure on a single court. From a social safety net perspective, the Financial Supervisory Commission and the Insurance Bureau believe that the Insurance Law can be revised to prevent people from losing protection due to forced enforcement of their policies insurance.

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