Regimes for voluntary social insurance participants

Social Insurance officers promote social insurance and health insurance policies for workers in Hoi An ward ( Quang Nam province).

Voluntary social insurance is a policy of the Party and State, for the benefit of workers and people, protected by the State, implemented by social insurance agencies.

The State partially supports voluntary social insurance contributions.

The subjects participating in voluntary social insurance are Vietnamese citizens aged 15 and over, not subject to compulsory social insurance and not receiving pensions, social insurance benefits, or monthly allowances. In addition, there are people working under indefinite-term labor contracts, labor contracts with a term of 1 month or more, and civil servants who are temporarily suspending the performance of labor contracts or work contracts.

Monthly contributions for voluntary social insurance participants are as follows:

In which, voluntary social insurance participants can choose the income level as the basis for payment as follows:

- The lowest level is equal to the poverty line of rural areas (1.5 million VND/month).

- The highest level is 20 times the reference level at the time of closing (Currently the reference level is equal to the basic salary of 2.34 million/month).

Voluntary social insurance participants are supported by the State with payment at a percentage (%) of the monthly social insurance payment equal to the poverty line in rural areas.

The specific support levels are as follows:

- 50% for participants from poor households; people living in island communes and special economic zones according to regulations.

- 40% for participants from near-poor households.

- 30% for ethnic minority participants.

- 20% for other participant groups.

The support period depends on each person's actual voluntary social insurance participation time but not more than 10 years (120 months).

Participants can choose to pay by the following payment methods: monthly, 3 months/6 months/12 months at a time. Many years at a time (not more than 5 years, equivalent to 60 months/time) or pay in one lump sum: For the remaining time (not more than 5 years (60 months)) to be eligible for pension.

Voluntary social insurance participants, when meeting all the prescribed conditions, are entitled to the following benefits.

Mr. Bon Krong Ha Ty, Tu La village, Dam Rong 3 commune, Lam Dong, received pension thanks to participating in voluntary social insurance.

Mr. Bon Krong Ha Ty, Tu La village, Dam Rong 3 commune, Lam Dong , received pension thanks to participating in voluntary social insurance.

The first is maternity leave.

This policy applies to female workers giving birth, or male workers whose wives have given birth.

The condition for employees to receive benefits is to have a period of voluntary social insurance payment, or to have both compulsory social insurance payment and voluntary social insurance payment for at least 6 months within 12 months before giving birth.

The maternity allowance is 2 million VND for each child born and each fetus 22 weeks or older that dies in the womb or dies during labor.

The second is the pension system.

From July 1, 2025, voluntary social insurance participants will receive pensions when they have paid social insurance for 15 years or more and reach the prescribed retirement age.

Regarding retirement age, from January 1, 2025, men will be 61 years and 3 months old. After that, it will increase by 3 months each year. The retirement age for men will reach 62 years old in 2028. Women will be 56 years and 8 months old. After that, it will increase by 4 months each year. The retirement age for women will reach 60 years old in 2035.

In the case of voluntary social insurance participants before January 1, 2021 and having paid 20 years or more of voluntary social insurance, they will receive pension when they reach 60 years old for men and 55 years old for women, except in cases where the employee wishes to receive pension according to the above regulations.

The benefits for voluntary social insurance participants are prescribed as follows.

In which, the monthly pension rate of employees is calculated at 45% corresponding to the number of years of social insurance payment as follows:

For male workers, it is 20 years. In case the social insurance payment period is from 15 years to less than 20 years, the benefit rate is 40% corresponding to 15 years, then for each additional year of payment, 1% is added.

For female workers, it is 15 years. After that, for each additional year of social insurance payment, both male and female workers will be calculated an additional 2%; the maximum level is 75%. In case of social insurance payment period according to the provisions of the International Treaty of which Vietnam is a member but the social insurance payment period in Vietnam is less than 15 years, each year of payment during this period will be calculated as 2.25%.

One-time allowance: Male workers with social insurance payment period of more than 35 years, female workers with social insurance payment period of more than 30 years, when retiring, in addition to pension, will also receive a one-time allowance.

One-time benefit level = 0.5 x Average income used as basis for social insurance contributions for each year of contribution above the prescribed retirement age.

In case the employee is eligible for pension but continues to pay social insurance: The subsidy level = 2 x Average income used as the basis for social insurance payment for each year of payment higher than the prescribed number of years from the time of reaching the prescribed retirement age until the time of retirement.

The higher the voluntary social insurance contribution, the higher the pension benefit.

Third is one-time social insurance.

Voluntary social insurance participants are eligible for one-time social insurance benefits in one of the following cases:

(a) Reaching retirement age but not having paid social insurance for 15 years and not continuing to participate in social insurance.

(b) Going abroad to settle down.

(c) People suffering from one of the following diseases: cancer, paralysis, decompensated cirrhosis, severe tuberculosis, AIDS.

(d) People with a working capacity reduction of 81% or more; people with especially severe disabilities.

(d) After 12 months of not continuing to pay social insurance but not having paid social insurance for 20 years (for employees who have paid social insurance before July 1, 2025).

The one-time social insurance benefit is calculated based on the number of years of social insurance contributions and the basis for social insurance contributions. For each year of social insurance contributions:

+ 1.5 times the average monthly income for social insurance contributions for years before 2014.

+ 2 times the average monthly income for social insurance contributions for years from 2014 onwards.

In case the social insurance payment period is less than 1 year, the benefit level is equal to the amount paid but not more than 2 times the average income used as the basis for social insurance payment.

+ The one-time social insurance benefit level of the State-supported subjects does not include the amount of State budget support for voluntary social insurance payments, except for the cases specified in points (c) and (d) above.

The fourth is monthly allowance.

The eligibility is that Vietnamese citizens who are of retirement age but do not meet the conditions for pension according to regulations and do not meet the conditions for social retirement benefits, if they do not receive one-time social insurance and do not reserve it but have a request, they will receive monthly benefits from their own contributions.

The benefits are specifically regulated as follows:

+ The duration and level of monthly benefits are determined based on the employee's social insurance contribution period and basis. The lowest monthly benefit level is equal to the social pension benefit level.

+ In case the monthly benefit period calculated based on the social insurance contribution period is not enough to receive the monthly benefit until reaching the age of receiving social retirement benefits, the employee can make a one-time payment for the remaining amount to receive until reaching the age of receiving social retirement benefits.

+ In case a person receiving monthly benefits dies, relatives will receive a one-time benefit for the months not yet received and a one-time funeral benefit if they meet the prescribed conditions.

+ People who are receiving monthly benefits have their health insurance paid for by the State budget.

The fifth is the death benefit regime.

Voluntary social insurance participants are entitled to one-time funeral and death benefits depending on specific conditions.

Sixth is to be granted health insurance card.

Voluntary social insurance participants when receiving pension will be issued a health insurance card by the social insurance agency.

Saturday is pension adjustment.

Pensions and monthly allowances are adjusted based on the increase in the consumer price index and economic growth in accordance with the State budget and the Social Insurance Fund.

Mr. Truong Cong Lam (Con Dao special zone, Ho Chi Minh City) received his pension after 15 years of participating in voluntary social insurance.

Recently, when the Social Insurance Law 2024 takes effect from July 1, 2025, many employees participating in voluntary social insurance who have paid social insurance for 15 years and meet the retirement age requirements can receive pensions.

Thanks to participating in voluntary social insurance, Mr. Bon Krong Ha Ty, an ethnic minority in Tu La village, Dam Rong 3 commune (Lam Dong), has received a pension since September 2025 and has been granted a free health insurance card.

Mr. Ha Ty used to be a security guard at a local school and had 8 years of compulsory social insurance. After quitting his job in 2017, he returned to farming, earning his main income from coffee trees. However, thanks to the advocacy of social insurance officers and encouragement from his family, Mr. Ha Ty continued to participate in this social security policy for 7 years.

By September 2025, Mr. Ha Ty will be eligible for retirement when the total time of participating in both compulsory and voluntary social insurance is 15 years or more according to the new regulations of the Social Insurance Law 2024.

Or Mr. Truong Cong Lam (Con Dao special zone) is also the first person in Ho Chi Minh City to receive pension after 15 years of participating in voluntary social insurance according to the new regulations of the Law on Social Insurance in 2024.

The stories of Mr. Ha Ty and Mr. Lam have spread humanistic meanings, contributing to bringing social insurance policies closer to the people. From there, helping them proactively participate in social security policies to ensure their lives and take care of their health when they are old.

nhandan.vn

Source: https://baolaocai.vn/cac-che-do-voi-nguoi-tham-gia-bao-hiem-xa-hoi-tu-nguyen-post881946.html