Normally, when retiring before working age, the percentage will be deducted. However, the recently revised Draft Law on Social Insurance has added the condition that employees who want to retire before the pension age must pay full social insurance contributions for 20 years.
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The conditions for the minimum number of years of social insurance payment to enjoy the monthly pension will be reduced from 20 years to 15 years. However, this provision does not apply to early retirement. This is one of the contents proposed by the Government to be amended stated in the Report to the National Assembly on the revised Law on Social Insurance.
Mr. Nguyen Duy Cuong - Department of Social Insurance (Ministry of Labour, Invalids and Social Affairs) said that this proposal aims to create opportunities for those who join social insurance late, or have a discontinuous participation process, to have time to pay social insurance contributions. Short social insurance, enjoy pension.
Specifically, in Article 71, the draft amendments to the Law on Social Insurance, stipulates that employees who reach retirement age and have paid social insurance contributions for 15 years or more are entitled to a monthly pension (instead of 20 years as prescribed). current).
This provision is intended to create opportunities for late participants (45 - 47 years old to start participating) or those who participate intermittently, leading to retirement age and still not accumulating full 20 years of social insurance contributions. monthly pension, instead of having to receive social insurance once.
This reduction in the year of contribution is more beneficial for female employees when calculating the pension rate, because the pension rate when paying full 15 years is 45%, while that for men is 33,75%.
With the above regulation, the pension of these people may be lower than those with a long contribution period. However, these cases were not previously eligible for pension, if they do not choose to voluntarily contribute 1 time for the missing period, they choose to receive 1 time social insurance, now they will have the opportunity to receive a monthly pension. .
The Government assessed: “Although the pension level may be more modest than those with a long contribution period, with a stable monthly pension, periodically adjusted by the State, and during the period of pension enjoyment, Health insurance contributions will contribute to better ensuring the life of workers when they are old."
However, the Government also clarified that the regulation on reducing the minimum number of years of payment of social insurance premiums to enjoy the monthly pension from 20 years to 15 years only applies to cases of retirement under Article 71, not used for early retirement before the stipulated age.
For cases of early retirement, each year of retirement earlier than the prescribed age, the rate of pension enjoyment will be reduced by 2%. If the above regulations are applied to these cases, it will lead to the situation that the pension enjoyment rate is too low (short payment period, the rate is deducted due to early retirement), the pension rate is too low, does not have much meaning. means.
For example, if a male employee has 15 years of paying social insurance premiums, the pension benefit rate is 33,75%. If you retire earlier than 5 years old, 10% will be deducted, so the pension benefit rate is only 23,75%.
According to experts, shortening the social insurance payment period to 15 years to enjoy pension will strengthen the security system in the future. Especially now, the data of Vietnam Social Insurance shows that, in 6 years of implementation of the Law on Social Insurance, there are 476.000 one-time social insurance beneficiaries who have participated in social insurance for more than 10 years with the age of 40 years and older. In addition, there are over 53.000 people who have reached the end of working age and have to receive one-time social insurance because they have not had enough 20 years to pay compulsory social insurance, and over 20.000 people who have reached retirement age have not had enough time to pay and have to pay one time for the remaining time. lack for salary. According to the Ministry of Labour, Invalids and Social Affairs: “If the minimum period for pension enjoyment is still set at 1 years, these people will hardly have the opportunity to receive pensions.”
Assessing the impact of the policy of reducing the year of payment of social insurance contributions from 20 years to 15 years for pension enjoyment, the Ministry of Labour, Invalids and Social Affairs believes that it can help increase the number of people receiving pensions when they reach the end of working age, reducing the burden on the State. in ensuring social security for the elderly.
According to Great Solidarity
Early retirement, social insurance contributions, Law on Social Insurance
