What changes will there be to the conditions for receiving a pension starting January 1, 2026?

VTV.vn - From January 1, 2026, the retirement age will continue to increase according to the planned schedule; the conditions for receiving a pension, the benefit rate, and the deductions for early retirement have several points to note.

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The retirement age is increasing.

From January 1, 2026, the retirement age will increase to 61 years and 6 months for men and 57 years for women; workers who meet the retirement age and have contributed to mandatory social insurance for 15 years or more will be entitled to a pension, along with adjustments to the pension benefit rate.

According to the current Labor Code, the retirement age for workers working under normal conditions will gradually increase until it reaches 62 for men in 2028 and 60 for women in 2035.

Workers may retire up to 5 years earlier than the prescribed age if they fall into one of the following categories: reduced working capacity; working in particularly strenuous, hazardous, or dangerous occupations or jobs; or working in areas with particularly difficult socio -economic conditions.

Conversely, highly skilled professionals or those in certain special circumstances may retire later, but not more than 5 years later than the prescribed retirement age at the time of retirement.

Female workers aged 57 and above, working under normal conditions, are entitled to 45% of the average salary used as the basis for social insurance contributions, corresponding to 15 years of contributions; an additional 2% is added for each additional year of contribution. The maximum benefit rate is 75%, corresponding to 30 years of social insurance contributions.

For male workers aged 61 years and 6 months, if they have contributed to social insurance for 20 years, they are entitled to 45% of the average salary used as the basis for social insurance contributions; if they have contributed for 15 to less than 20 years, they are entitled to 40%, with an additional 1% added for each subsequent year of contribution. From the 20th year onwards, an additional 2% is added for each year. The maximum benefit rate remains 75%.

What are the consequences for early retirement and reductions in pension benefits?

Workers with a disability of 61% or more are eligible for early retirement: those with a disability of 61% to less than 81% can retire up to 5 years early; those with a disability of 81% or more can retire up to 10 years early.

For each year of early retirement, 2% of the pension entitlement will be deducted. No deduction applies if retirement is less than 6 months early; a 1% deduction applies if retirement is between 6 and less than 12 months early.

Workers who have reached retirement age but have contributed to mandatory social insurance for 14 years and 6 months to less than 15 years, and are short a maximum of 6 months, are allowed to make a one-time payment to cover the remaining months.

The supplementary contribution rate is 22% of the salary used as the basis for social insurance contributions, including contributions from both employees and employers, paid into the Retirement and Death Benefit Fund.

Source: https://vtv.vn/tu-1-1-2026-dieu-kien-huong-luong-huu-co-gi-thay-doi-100251215064909192.htm