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| Social Insurance Region XIX coordinates to propagate Health Insurance policy. |
Voluntary social insurance is a form of insurance organized by the State, participants can choose the contribution level and payment method suitable to their income. In recent years, voluntary social insurance has not really been attractive to freelancers, small traders, farmers... because participants only enjoy retirement and death benefits. The latest changes in voluntary social insurance policy not only increase benefits for participants but also demonstrate the Party and State's concern for this group of subjects. From specific changes in policy, voluntary social insurance will become more attractive to workers, encouraging voluntary participation.
Ms. Nguyen Thi Ngoc, a trader at Phan Thiet market (Minh Xuan ward) shared: Although I had been advised about the voluntary social insurance policy before, I had not yet actively participated due to some limitations. Recently, when the local social insurance officer informed me about the new points of the revised Social Insurance Law, including the maternity allowance for both men and women, I decided to participate.
It is known that when employees pay social insurance for 6 months or more in the 12 months before giving birth or adopting a child, they will receive a one-time subsidy of 2 million VND/child. Although the subsidy amount is not too large, for low-income families and freelance workers in difficult circumstances, this is a necessary amount of money, helping to reduce the burden of childbirth costs. In particular, the Law also stipulates that if both father and mother participate in voluntary social insurance and meet the conditions of maternity regime, they will receive the subsidy.
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| Social Insurance Region XIX coordinates to promote voluntary social insurance policy for freelance workers. |
According to comrade Nguyen Thi Kim Dung, Head of the Department of Propaganda and Participant Support, Social Insurance Region XIX, the addition of maternity benefits in voluntary social insurance is a positive policy that contributes to reducing the gap between compulsory social insurance and voluntary social insurance, bringing benefits to workers of reproductive age, increasing the attractiveness of voluntary social insurance for freelance workers.
Along with the addition of maternity benefits, the amended Law on Social Insurance also stipulates a reduction in the pension period from 20 years to 15 years. Specifically, from July 1, voluntary social insurance participants who reach the prescribed retirement age and have paid social insurance for at least 15 years will receive a monthly pension. For those who participated in voluntary social insurance before January 1, 2021 and have paid social insurance for 20 years, they can choose to receive their pension earlier instead of waiting until retirement age. According to the roadmap to 2030, the period of voluntary social insurance participation to receive monthly pension can be further reduced to 10 years. Thus, self-employed workers participating in social insurance can easily access the right to receive pension and other retirement benefits without spending too many years paying voluntary social insurance.
Mr. Pham Huy Long, a freelance worker in Che Den residential group, An Tuong ward, shared that for many young people who have just started working and do not have the conditions to participate in voluntary social insurance, adjusting the payment period is very meaningful. As of now, I can only participate in voluntary social insurance at the age of 35, with a period of 15 years, I can completely participate to receive pension and health care when I retire.
The amended Law on Social Insurance, effective from July 1, 2025, with specific adjustments and supplements aimed at employees, has increased the attractiveness of voluntary social insurance. Thereby, it contributes to expanding insurance coverage and ensuring sustainable social security.
Article and photos: Nhat Quang
Source: https://baotuyenquang.com.vn/xa-hoi/202507/rut-ngan-khoang-cach-an-sinh-3df328c/
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