Decree No. 157/2025/ND-CP stipulates pension levels for the military, police and people working in key positions.
Decree No. 157/2025/ND-CP clearly stipulates a number of compulsory social insurance regimes for soldiers, people's police, regular militia and people working in cryptography who receive salaries like soldiers, including: Sickness regime; retirement regime; death regime.
Subjects and conditions for pension
Regarding retirement regime, the Decree clearly stipulates the subjects and conditions for receiving pension as follows:
I. Three subjects (1- Employees specified in Point d, Point dd, Clause 1, Article 2 of the Law on Social Insurance; 2- Employees specified in Point e, Clause 1, Article 2 of the Law on Social Insurance; 3- Employees specified in Point d, Point dd, Clause 1, Article 2 of the Law on Social Insurance during the time of studying, practicing, working, researching, or receiving medical treatment abroad but still receiving salary or military rank allowance or living expenses in the country and paying social insurance according to regulations) when retiring, with a period of compulsory social insurance payment of 15 years or more, are entitled to pension if they fall into one of the following cases:
a- Age is at most 05 years lower than the age specified in Clause 2, Article 169 of the Labor Code, implemented according to the following roadmap:
Male workers | Female workers | ||
Year of retirement | Lowest retirement age | Year of retirement | Lowest retirement age |
2025 | 56 years 3 months | 2025 | 51 years 8 months |
2026 | 56 years 6 months | 2026 | 52 years old |
2027 | 56 years 9 months | 2027 | 52 years 4 months |
From 2028 onwards | 57 years old | 2028 | 52 years 8 months |
2029 | 53 years old | ||
2030 | 53 years 4 months | ||
2031 | 53 years 8 months | ||
2032 | 54 years old | ||
2033 | 54 years 4 months | ||
2034 | 54 years 8 months | ||
From 2035 onwards | 55 years old | ||
b- Having an age of at least 05 years lower than the retirement age according to the roadmap prescribed in a and having a total time of 15 years or more working in a arduous, toxic, dangerous or especially arduous, toxic, dangerous occupation or job on the list of arduous, toxic, dangerous or especially arduous, toxic, dangerous occupations or jobs issued by competent authorities or working in areas with especially difficult socio -economic conditions, including working time in places with a regional allowance coefficient of 0.7 or higher before January 1, 2021.
When determining the working time in a place with a regional allowance coefficient of 0.7 or higher for the working time before January 1, 1995 as a basis for considering pension eligibility, the provisions of the law on regional allowances at the time of settlement shall be based on. For areas where the law on regional allowances at the time of settlement does not stipulate or stipulates a regional allowance coefficient lower than 0.7, but in reality the employee has worked in a place with a regional allowance coefficient of 0.7 or higher according to the provisions in previous documents regulating regional allowances, the provisions in those documents shall be based on the provisions of those documents to determine the working time in a place with a regional allowance coefficient of 0.7 or higher as a basis for considering pension eligibility.
In case the employee has worked in battlefields B and C from April 30, 1975 or earlier and battlefield K from August 31, 1989 or earlier, which is considered as social insurance payment period, this period is considered as working time in a place with regional allowance coefficient of 0.7 to serve as a basis for considering pension eligibility.
The roadmap for adjusting the retirement age of employees is implemented as follows:
Male workers | Female workers | ||
Year of retirement | Lowest retirement age | Year of retirement | Lowest retirement age |
2025 | 51 years 3 months | 2025 | 46 years 8 months |
2026 | 51 years 6 months | 2026 | 47 years old |
2027 | 51 years 9 months | 2027 | 47 years 4 months |
From 2028 onwards | 52 years old | 2028 | 47 years 8 months |
2029 | 48 years old | ||
2030 | 48 years 4 months | ||
2031 | 48 years 8 months | ||
2032 | 49 years old | ||
2033 | 49 years 4 months | ||
2034 | 49 years 8 months | ||
From 2035 onwards | 50 years old | ||
c- Regardless of age, when an employee is infected with HIV/AIDS due to an occupational accident while performing assigned tasks.
II. Employees in categories 1 and 3 above who have paid social insurance for 20 years or more, when retiring, are entitled to receive a pension if they fall into one of the following cases:
a1- Male soldiers with 25 years or more of service, female soldiers with 20 years or more of service in the army, but the army no longer needs to arrange officers, professional soldiers, defense civil servants, defense workers, defense officials or cannot transfer to another profession. The time of service in the army includes the time as an officer, professional soldier, non-commissioned officer, soldier, defense civil servant, defense worker, defense official, including the time the soldier transfers to another profession and is then mobilized to serve in the army due to mission requirements;
b1- Military personnel who meet the conditions prescribed in Clause 3, Article 36 of the Law on Officers of the Vietnam People's Army No. 16/1999/QH10, supplemented by the provisions of Clause 9, Article 1 of the Law amending and supplementing a number of articles of the Law on Officers of the Vietnam People's Army No. 52/2024/QH15 or Point a, Clause 1, Article 22 of the Law on Professional Soldiers, Workers and National Defense Officials No. 98/2015/QH13;
c1- Male police officers with 25 years or more of service, female police officers with 20 years or more of service in the people's police, who are no longer in need of placement or cannot be transferred to another profession or voluntarily resign. The time of service in the people's police includes the time as an officer; professional non-commissioned officer, technical non-commissioned officer; non-commissioned officer, conscript; student receiving living allowance, police worker, including the time when the people's police officer transfers to another profession and is then transferred back to serve the people's police due to mission requirements;
d1- The People's Public Security meets the conditions prescribed in Point b, Clause 1, Article 3 of Decree No. 49/2019/ND-CP dated June 6, 2019 of the Government detailing and providing measures to implement a number of articles of the Law on the People's Public Security;
d1- A person working in a cryptographic organization with at least 25 years of work experience in a cryptographic organization for men and at least 20 years of work experience in women, who has paid social insurance, but the cryptographic agency no longer needs to arrange work in a cryptographic organization or cannot transfer to another industry. The working time in a cryptographic organization includes the time spent doing cryptographic work, the time spent doing other work in a cryptographic organization, and the time spent as a cryptographic student receiving living expenses, including the time when the person working in a cryptographic organization changes industries and is later reassigned to serve in the cryptographic force due to mission requirements.
III. Employees in categories 1, 2, and 3 above who have paid compulsory social insurance for at least 20 years and have a reduced working capacity of 61% or more when retiring will receive a pension at a lower level than those eligible for pension as prescribed in the above two cases if they fall into one of the following cases:
a2 - Age is at most 5 years lower than the retirement age according to the roadmap specified in a above.
b2- Regardless of age, employees who have worked for 15 years or more in a particularly arduous, toxic, or dangerous job or occupation on the list of particularly arduous, toxic, or dangerous jobs or occupations issued by a competent authority.
IV. Pension entitlement for cases where the date and month of birth cannot be determined or records are lost is specified in detail as follows:
a3- In case the employee's profile does not identify the date and month of birth but only the year of birth, January 1 of the year of birth will be used as the basis for calculating retirement age;
b3- In case the employee's file does not have enough original documents to prove the social insurance payment process, it is necessary to provide alternative documents such as: Labor contract, demobilization decision, discharge decision, recruitment decision or other documents related to the working time requested for social insurance calculation so that the Military Social Insurance agency, People's Public Security Social Insurance agency can resolve according to regulations.
V. In case an employee meets the age requirement as prescribed in Section I above but has a compulsory social insurance payment period of 14 years and 6 months to less than 15 years, or an employee meets the age requirement as prescribed in Section III but has a compulsory social insurance payment period of 19 years and 6 months to less than 20 years and has a labor capacity reduction of 61% or more or works in a particularly arduous, toxic or dangerous occupation or job on the list of particularly arduous, toxic or dangerous occupations and jobs issued by a competent authority or is infected with HIV/AIDS due to an accident while performing duties, he/she may continue to pay one time for the remaining months to have enough 15 years or enough 20 years of social insurance payment to be eligible for pension as prescribed in Section I or III.
The level of contribution and the time for one-time payment for the missing months shall be implemented according to the provisions of Clause 7, Article 33 of the Law on Social Insurance. The earliest time for one-time payment for the missing months shall be the month preceding the month eligible for pension according to regulations.
Monthly pension
The Decree stipulates the monthly pension level for employees in categories 1, 2, and 3 mentioned above as prescribed in Article 66 of the Law on Social Insurance, as follows:
- The monthly pension level is calculated by multiplying the monthly pension percentage by the average salary used as the basis for social insurance contributions as prescribed in Article 72 of the Law on Social Insurance.
- The percentage of monthly pension of employees eligible for pension as prescribed in Clause 2, Article 64 of the Law on Social Insurance is calculated according to the provisions in Clause 1, Article 66 of the Law on Social Insurance.
- The monthly pension level of employees as prescribed in Clause 2, Article 66 of the Law on Social Insurance is stipulated as follows:
+ Employees who have worked for 10 years or more in a special occupation or job as prescribed by the Minister of National Defense or the Minister of Public Security , upon retirement, and the pension rate as prescribed in Clause 1, Article 66 of the Law on Social Insurance has not reached the maximum of 75%, shall be calculated as follows: The first 15 years of social insurance contributions are 50% for men and 55% for women, then each additional year of social insurance contributions is calculated by 3%, the maximum benefit shall not exceed 75%; if there are odd months, it shall be calculated as follows: From 1 month to 6 months is calculated by 1.5%, from 7 months to 11 months is calculated by 3%. When calculating benefits according to the provisions of this point, they shall not be entitled to a one-time pension upon retirement as prescribed in Article 14 of this Decree. The pension benefit increased compared to the provisions of Clause 1, Article 66 of the Law on Social Insurance shall be guaranteed by the state budget.
The above pension calculation method does not apply to cases of violations of military or police discipline, violations of state laws that force one to stop serving in the military, stop serving in the military, or stop working.
+ Annually, Vietnam Social Security, based on the pension benefit records of employees in certain special occupations and jobs in the armed forces, synthesizes the additional pension difference compared to the provisions in Clause 1, Article 66 of the Law on Social Insurance and sends it to the Ministry of Finance for the state budget to ensure.
- The age threshold for calculating the number of years of early retirement compared to the prescribed age, as the basis for calculating the reduction in pension percentage prescribed in Clause 3, Article 66 of the Law on Social Insurance, is determined as follows:
+ For workers in normal working conditions, the age benchmark is based on the roadmap specified in Point a, Section I above;
+ Employees with a total period of compulsory social insurance payment of 15 years or more when working in a arduous, toxic, dangerous or especially arduous, toxic, dangerous occupation or job on the list of arduous, toxic, dangerous or especially arduous, toxic, dangerous occupations or jobs issued by a competent authority or working in an area with particularly difficult socio-economic conditions shall take the age benchmark according to the roadmap specified in Point b, Section I above.
- The method of calculating the reduction in monthly pension percentage due to early retirement is implemented according to the provisions of Clause 3, Article 66 of the Law on Social Insurance.
- The time to be eligible for retirement benefits due to reduced working capacity is the 1st day of the following month when the employee meets all three conditions of age, social insurance payment period and has a conclusion of reduced working capacity of 61% or more by the competent Medical Assessment Council.
Lump sum pension upon retirement
In addition, the Decree stipulates that the one-time pension upon retirement is calculated according to the provisions of Article 68 of the Law on Social Insurance. For each year of social insurance payment higher than the number of years corresponding to the maximum monthly pension percentage of 75%, a one-time pension equal to 0.5 months of the average salary used as the basis for social insurance payment for each year of payment higher than the retirement age as prescribed by law is calculated.
In case an employee has met the conditions for receiving a pension as prescribed but continues to pay social insurance, the subsidy level is equal to 02 times the average salary used as the basis for paying social insurance as prescribed in Article 72 of the Law on Social Insurance for each year of payment higher than the number of years prescribed above from the time after meeting the conditions for retirement as prescribed by law to the time of retirement.
The above policies and regimes will be implemented from July 1, 2025.
Phuong Nhi
Source: https://baochinhphu.vn/muc-luong-huu-doi-voi-quan-doi-cong-an-va-nguoi-lam-cong-tac-co-yeu-102250626152725772.htm
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