How to receive pension if retiring early according to Decree 178?

According to Vietnam Social Security, 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 age under this Decree are entitled to pensions according to the provisions of the Law on Social Security without having their pension rate deducted.

People come to do transactions at the 'one-stop' department of the Social Insurance of Cau Giay district, Hanoi . Illustration photo: XC

According to Clause 2, Article 7, Decree No. 178, amended by Clause 5, Clause 6, Article 1 of Decree No. 67, employees who retire before the age due to organizational restructuring, if they are 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: have 2 to less than 5 years left compared to retirement age, and are eligible for pension according to social insurance regulations.

Have 5 to less than 10 years left before retirement age, eligible for pension. Have 2 to less than 5 years left before retirement age, have worked for at least 15 years in a particularly difficult area or in a toxic, arduous, or dangerous job.

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, the employee will be 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 employees 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), the official retirement age is 62 years old. If the NH follows 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 pension beneficiary's application, the Social Insurance agency will settle the payment to the employee. To settle the pension regime, the officer will base on the application sent by the employer (including the retirement decision for the employee). The time to receive the pension is the time stated in the pre-age pension decision.

News and People Newspaper

Source: https://baodanang.vn/xa-hoi/202506/nghi-huu-truoc-tuoi-theo-nghi-dinh-178-huong-luong-huu-the-nao-4008280/