Voluntary social insurance ensures social security after retirement age.

The voluntary social insurance policy is a social security policy of the Party and the State implemented since 2008, with the goal of ensuring more and more workers with social security after reaching retirement age. After 17 years of implementation, it has created opportunities for freelance workers and those in the informal sector to participate in social insurance and receive monthly pensions, take financial initiative, and reduce the burden on their children when they reach retirement age.

Phu Yen Social Insurance collection staff propagate voluntary social insurance policy to people.

In September 2025, after giving birth, Ms. Ha Thu Nguyet, a freelance worker in Thuan Chau commune, who participated in voluntary social insurance, was paid 2 million VND in maternity allowance by Thuan Chau Social Insurance, becoming the first person in the locality to receive this allowance under the Social Insurance Law 2024. Ms. Nguyet excitedly said: Every month, I deduct a part of my income to participate in voluntary social insurance, with the hope of having a pension when I retire. Receiving maternity allowance is a very humane policy. Although this amount of money is not much, it helps me have more expenses to take care of my child.

As for Ms. Ha Thi Hien, from Tuong Thuong commune, who has worked as a worker in the industrial park for 10 years, her company has paid social insurance. By 2025, she will be old enough to retire and voluntarily pay 10 years at once in the form of voluntary social insurance participation. In August 2025, she was given a retirement decision by Phu Yen Social Insurance, with a pension of more than 2.6 million VND/month and a free health insurance card.

Ms. Ha Thi Hien shared: At first, I also intended to pay social insurance in one lump sum. Thanks to the advice of the Phu Yen social insurance staff, I learned about voluntary social insurance. Thanks to that, I was able to receive a monthly pension. Although the amount is not large, it has helped me ensure my life and partly support my children and grandchildren in the family. In addition, I was also given a health insurance card, with a 95% support level for medical examination and treatment, so I do not have to worry about becoming a burden to my family if I unfortunately get sick.

Provincial Post Office staff only pay pensions to residents of To Hieu ward.

The Social Insurance Law 2024 officially took effect from July 1, 2025, with many outstanding new policies on social security, especially for voluntary social insurance participants. Specifically, voluntary social insurance participants who have participated in social insurance for 6 months in the 12 months before giving birth will receive a one-time subsidy of 2 million VND for each child born or lost at 22 weeks or more of pregnancy. This regulation also applies to male workers whose wives give birth, when meeting the prescribed conditions. Reducing the condition on the minimum number of years of social insurance contributions to receive pensions from 20 years to 15 years has opened up many opportunities to receive pensions for workers in the informal sector, towards universal social insurance.

Mr. Dinh Thanh Tung, Deputy Director of the Provincial Social Insurance, said: The Provincial Social Insurance has directed the grassroots Social Insurance agencies to coordinate with the People's Committees of communes and wards to organize conferences to disseminate new points of the Social Insurance Law 2024. Diversify forms of communication through conferences to disseminate legal policies, through social networking platforms Zalo, Facebook... to spread the State's superior policies on voluntary social insurance to many people in the area. Focus on developing a team of collection agents with knowledge of policies, information technology and the capacity to propagate and mobilize people to participate in voluntary social insurance...

In addition, the social insurance sector focuses on reforming administrative procedures, simplifying procedures, contribution levels, payment methods and benefits when participating in voluntary social insurance. Improving the quality of resolving social insurance regimes and policies, ensuring the rights of participants and beneficiaries, considering this an important basis for developing voluntary social insurance participants...

Provincial Social Insurance officials guide people to look up and participate in voluntary social insurance on the VssID application.

With the hope that they will receive a pension when they reach retirement age, Ms. Dinh Thi Thinh and her husband, in La village, Gia Phu commune, earn their income mainly from working for hire and farming and raising livestock, but they still save and regularly participate in voluntary social insurance. Ms. Thinh shared: Up to now, my husband has participated in voluntary social insurance for 2 years; I have participated for 1 year, with a rate of 500,000 VND/person/month. I am very happy when I know that the time to pay voluntary social insurance to receive a pension is only 15 years and that we will receive maternity benefits. We will persevere in participating so that we can receive a pension later.

Since the beginning of the year, the provincial Social Insurance sector has organized 53 conferences to disseminate social insurance and health insurance policies, consult and mobilize people to participate in voluntary social insurance and self-paid health insurance for 2,660 people. Up to now, the whole province has 47,196 people participating in voluntary social insurance, equivalent to 6.3% of the labor force, reaching 64.6% of the plan assigned by Vietnam Social Insurance, reaching 99% of the plan assigned by the Provincial People's Committee in 2025.

The Social Insurance policy is being gradually improved by the Party and State in a direction that benefits participants and the efforts of the Social Insurance industry have helped many workers in the informal sector enjoy the Party and State's preferential policies, towards universal Social Insurance, contributing to ensuring social security in the locality.

Source: https://baosonla.vn/bao-hiem-xa-hoi-tinh-son-la/bhxh-tu-nguyen-bao-dam-an-sinh-xa-hoi-khi-het-tuoi-lao-dong-zUFimeivR.html