According to the Vietnam Social Security (VSS), Decree No. 67-2025/ND-CP has amended and supplemented a number of articles of Decree No. 178-2024/ND-CP on regimes and policies for cadres, civil servants, public employees, workers and armed forces in the arrangement of organizational apparatus. That is, people who retire before the retirement age according to this decree are entitled to pensions according to the provisions of the Law on Social Insurance without having their pension rate deducted.
According to Clause 2, Article 7, Decree No. 178, amended by Clause 5, Clause 6, Article 1 of Decree No. 67, people who retire early due to organizational restructuring, if they belong to the subjects in Clause 1 and Clause 3, Article 2 of this Decree, will not have their pension rate deducted, even if they retire 2 - 10 years earlier than the prescribed retirement age.
Specifically, the following 3 groups of subjects will not have their pension rates deducted if they meet the conditions on age, social insurance payment period and job characteristics: having an age of 2 to less than 5 years from retirement age, eligible for pension according to social insurance regulations; having an age of more than 5 to less than 10 years from retirement age, eligible for pension; having an age of 2 to less than 5 years from retirement age, having worked for at least 15 years in a particularly difficult area or in a toxic, arduous or dangerous occupation.
According to Decree 67/2025, cadres, civil servants, public employees, and people working under labor contracts at agencies, organizations, units, and armed forces due to organizational arrangements and administrative units at all levels who retire early will not have their pension rate deducted.
However, the rate of benefit must still be based on the current Social Insurance Law, that is, male workers receive a rate of 45% corresponding to 20 years of social insurance contributions, female workers receive a rate of 45% corresponding to 15 years of social insurance contributions. After that, for each additional year of social insurance contributions, workers are calculated an additional 2% until reaching the maximum level of 75%. Thus, male workers must have 35 years of social insurance contributions, female workers must have 30 years of social insurance contributions to receive the maximum pension of 75%.
Therefore, with the provisions of Decree No. 67 amended on early retirement, the monthly pension level when retiring early for cadres, civil servants, public employees and workers remains at 45 - 75% of the average salary used as the basis for social insurance contributions.
For example, a male commune-level civil servant born in 1967 (salary coefficient 3.46 and 21 years of social insurance contributions) has an official retirement age of 62. If he retires according to Decree No. 67/2025, the pension rate is 47% due to 21 years of social insurance contributions.
According to the current Social Insurance Law, within 20 days from the date of receiving the complete dossier of the pension beneficiary, the Social Insurance agency will settle the payment to the employee. To settle the pension regime, the officer will base on the dossier sent by the employer (including the retirement decision for the employee). The time to receive the pension is the time stated in the decision on early retirement.
Source: https://baohaiduong.vn/huong-luong-huu-the-nao-neu-nghi-huu-truoc-tuoi-theo-nghi-dinh-178-413447.html
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