Social Insurance Region XXV launched a campaign to promote and mobilize people to participate in voluntary social insurance.
Supplementing social pension benefits to form a social insurance system multi-layered (including: social pension benefits; compulsory social insurance and voluntary social insurance; supplementary pension insurance to aim for universal coverage).
Social pension benefits under the provisions of the Law on Social Insurance 2024 are a type of social insurance guaranteed by the state budget, built on the basis of inheriting and partly developing from the regulations on monthly social allowances for the elderly, which stipulates: The age of receiving social pension benefits is 5 years lower than the current age of receiving monthly social allowances for the elderly.
Specifically: Vietnamese citizens aged 75 and over who do not receive a monthly pension or social insurance benefit are entitled to social pension benefits. Vietnamese citizens aged 70 to under 75 who are from poor or near-poor households and meet the conditions are entitled to social pension benefits.
The monthly social pension allowance level is determined by the Government in accordance with the socio -economic development conditions and the capacity of the state budget in each period. Every 3 years, the Government reviews and considers adjusting the social pension allowance level. Depending on the socio-economic conditions, the ability to balance the budget, and mobilize social resources, the People's Committee at the provincial level shall submit to the People's Council at the same level a decision on additional support for social pension beneficiaries.
Paying pensions and social insurance benefits to people in Lam Dong
People who are both eligible for social pension benefits and monthly social allowances are entitled to a higher allowance. Health insurance (HI) is paid by the state budget while receiving social pension benefits. When they die, the organization or individual in charge of the funeral will receive funeral expense support according to the provisions of the law on the elderly.
Supplementing regulations to increase the connection between social pension benefits and basic social insurance
Supplementing the monthly allowance regime for employees who are not eligible for pension and are not old enough to receive social pension benefits. Specifically: Vietnamese citizens who are old enough to retire but do not have enough time to pay for pension and are not eligible for social pension benefits, if they do not receive a lump sum social insurance payment and do not reserve it, but have a request, will receive a monthly allowance from their own contributions. The duration and level of monthly allowance are determined based on the employee's payment period and basis for social pension contributions. The lowest monthly allowance is equal to the social pension benefit level.
Workers learn about voluntary social insurance
In case the total amount calculated based on the payment period and the basis for social insurance payment of the employee is higher than the amount calculated for the monthly allowance equal to the social pension allowance at the time of settlement for the period from retirement age to social pension age, the employee will be calculated to receive a monthly allowance at the higher level.
In case the total amount calculated based on the payment period and the basis for social insurance payment is not enough for the employee to receive monthly benefits until reaching the age of receiving social pension benefits, if the employee wishes, he/she can make a one-time payment for the remaining amount to receive until reaching the age of receiving social pension benefits.
The monthly allowance level is adjusted when the Government adjusts monthly pensions and social insurance allowances. During the period of receiving monthly allowances, the State budget will pay for health insurance; when a person dies, relatives will receive a one-time allowance for the months not yet received and will receive a funeral allowance if they meet the prescribed conditions.
Propagating about voluntary social insurance to business households in Xuan Huong ward - Da Lat, Lam Dong province
Expand the subjects eligible to participate and fully enjoy social insurance regimes by expanding the subjects participating in compulsory social insurance to business owners of registered business households; Part-time workers at the commune, village, and residential group levels; Part-time employees; enterprise managers, controllers, representatives of state capital, representatives of enterprise capital as prescribed by law; members of the Board of Directors, General Directors, Directors, members of the Board of Supervisors or controllers and other elected management positions of cooperatives and cooperative unions as prescribed by the Law on Cooperatives who do not receive salaries.
Social Insurance staff of Region XXV visit people's homes to promote the benefits of participating in voluntary social insurance.
Add maternity benefits to voluntary social insurance policy
Voluntary social insurance participants who meet the prescribed conditions are entitled to a maternity allowance of VND 2 million for each newborn child guaranteed by the state budget; employees do not have to pay more than the current regulations. Female workers who are ethnic minorities or female workers who are Kinh people whose husbands are ethnic minorities in poor households, when giving birth outside the maternity regime prescribed by the Social Insurance Law 2024, are still entitled to other support policies according to the Government's regulations.
Increase the opportunity for social insurance participants to receive pensions by reducing the minimum number of years of social insurance contributions required to receive pensions from 20 years to 15 years.
Supplementing regulations to increase benefits, increase attractiveness, and encourage employees to reserve payment time to receive pension instead of receiving social insurance at one time
Employees who have stopped participating in social insurance and have a request are entitled to receive a one-time social insurance payment if they fall into one of the following cases: Being old enough to receive a pension but have not paid social insurance for 15 years; Going abroad to settle down; People who are suffering from one of the following diseases: cancer, paralysis, decompensated cirrhosis, severe tuberculosis, AIDS; People with a labor capacity reduction of 81% or more; people with extremely severe disabilities; Employees who have paid social insurance before July 1, 2025, after 12 months are not subject to compulsory social insurance but also do not participate in voluntary social insurance and have paid social insurance for less than 20 years; People in the armed forces when demobilized, discharged, or quit their jobs are not subject to compulsory social insurance but also do not participate in voluntary social insurance and are not eligible to receive a pension.
Employees who do not receive a one-time social insurance payment but reserve the payment period to continue participating have the opportunity to enjoy higher benefits such as: When continuing to participate, they will enjoy higher benefits because the benefits are calculated according to the payment period (illness, work-related accidents, occupational diseases, etc.); Receive pensions with easier conditions; During the period of receiving pensions, the Social Insurance Fund will pay for health insurance; Receive monthly allowances when not eligible for pensions and not yet old enough to receive social pensions; During the period of receiving monthly allowances, the State budget will pay for health insurance. In addition, employees also have the opportunity to enjoy credit support policies for employees who have paid social insurance but lose their jobs.
Officers, employees, and workers of Social Insurance in Region XXV launched propaganda and mobilized people to participate in voluntary social insurance and self-paid health insurance.
Specific regulations on the "reference level" instead of the "basic salary" : The Social Insurance Law 2024 has stipulated the "reference level" used to calculate the contribution level and the level of enjoyment of some social insurance regimes and is decided by the Government. When the basic salary has not been abolished, the reference level prescribed in the Social Insurance Law 2024 is equal to the basic salary. At the time the basic salary is abolished, the reference level is not lower than the basic salary at that time. The reference level is adjusted based on the increase in the consumer price index, economic growth, in accordance with the capacity of the state budget and the social insurance fund.
In addition, the 2024 Social Insurance Law also stipulates that the Government shall submit to the National Assembly for consideration and adjustment of a number of regulations related to the basis for compulsory social insurance contributions, the method of calculating the average salary as the basis for calculating pensions, social insurance benefits and adjusting the salary as the basis for compulsory social insurance contributions when the State applies a new salary regime according to job positions, titles and leadership positions to replace the current payroll system.
In addition, there are some new points of the Social Insurance Law 2024 such as: adding the right to enjoy sickness and maternity benefits for part-time workers at the commune level; regulations on additional retirement insurance; better ensuring the right to participate in and enjoy social insurance for Vietnamese workers working abroad and foreign workers working in Vietnam...
Source: https://baolamdong.vn/luat-bhxh-voi-nhieu-diem-moi-290831.html
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