Employees paying long-term social insurance receive additional benefits.

QNgTV- From 2026, employees who pay social insurance beyond the pension ceiling will receive an additional one-time subsidy. The new regulation expands benefits and encourages employees to stay with the social security system for a long time.

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According to the Law on Social Insurance 2024, from January 1, 2026, the pension regime will be applied according to a new calculation method. The maximum benefit level will still maintain the ceiling of 75% of the average salary used as the basis for social insurance contributions, but the benefits will be extended to employees with a participation period longer than the prescribed level.

Female workers who have contributed over 30 years and male workers who have contributed over 35 years will enjoy two benefits at the same time when they retire: a full retirement benefit including a monthly pension, a lifetime health insurance card with 95% coverage of medical expenses, a death benefit, and a one-time subsidy calculated based on the number of years of excess contribution. The calculation of the one-time subsidy is designed according to two situations.

In case the employee is eligible for retirement and completes procedures to receive immediate retirement benefits, the one-time subsidy is calculated at 0.5 times the average salary used as the basis for social insurance contributions for each year of contributions exceeding the maximum level.

The second case is that the employee has reached retirement age, but continues to participate in social insurance. When completing retirement procedures, each year of payment exceeding the maximum level will be calculated as 2 times the average salary used as the basis for social insurance payment. This benefit is 4 times higher than the case of immediate retirement.

Source: https://quangngaitv.vn/nguoi-lao-dong-dong-bao-hiem-xa-hoi-dai-han-duoc-nhan-them-tro-cap-6511205.html