Kinh tế

Receiving social insurance once, employees will bear “single loss, double loss”

People do procedures at Ho Chi Minh City Social Insurance. (Photo: Employee electronic newspaper).

That means that in the future, these workers will come retirement age will not have a monthly income from pension to ensure life and will not be granted a free health insurance card for health care in old age, or if so, a very low pension. This is a very worrying fact, not only directly affecting the interests of workers, but also affecting the goal of ensuring long-term social security of the country when in the coming years our country’s population will be affected. is starting to age.

Job get one-time social insurance However, workers are also losing the opportunity to enjoy social security when they reach old age, the most vulnerable age: A weakened immune system is susceptible to infection. sick, weak health, unable to work. There are many people who have received social insurance once, but later want to pay back the money received, continue to participate in social insurance for the missing number of years to enjoy their pension, but cannot solve it because of the law. Current law does not contain provisions according to the wishes of employees.

Over the past 2 years, the raging COVID-19 epidemic has caused many workers to lose their jobs, leading to no income, most choose to enjoy one-time social insurance because they need some money to spend and cover their lives. . Some other workers choose to receive it because they do not understand the benefits of receiving a pension compared to receiving a lump-sum social insurance, as well as the humanity, superiority and sharing, and the community responsibility of the job. social insurance.

Clarifying the disadvantages when receiving one-time social insurance to help employees make the right choice for themselves, Vietnam Social Insurance gives a specific example of the case of Ms. Nguyen Thi B in 2022. age 08 months, by the end of 2019 have participated in social insurance for 18 years (from 2002-2019). Assume that Mrs. B’s life expectancy is 76.3 years (average life expectancy according to the results of the General Statistics Office’s 2020 population and housing census on the life expectancy of women), not taking into account the impact of ratio factors on women’s life expectancy. Inflation rate, salary growth rate, social insurance fund investment interest rate, compared with general regulations, if Ms. B decides to receive one-time social insurance, her benefit will be: (12 years x 1, 5 months salary) + (6 years x 2.0 months salary) = 30 months salary.

Receiving social insurance once, workers will suffer single and double losses - Photo 1.

Accordingly, the period of payment of social insurance premiums for which employees are entitled to one-time social insurance benefits will not be counted as the basis for calculating other social insurance benefits; no longer in the social insurance system protected by the State for social security; lose the opportunity to join health insurance for 5 consecutive years to enjoy benefits with high-tech medical services and expensive drugs. In addition, employees have to pay for medical examination and treatment costs themselves if they unfortunately get sick or have an accident while waiting for one-time social insurance benefits (12 months) and lose the opportunity to enjoy the annual pension. months at the end of the working age, or eligible for benefits but with a low level of benefit due to the deduction of the one-time payment of social insurance premiums.

In case Ms. B has paid social insurance premiums for an additional 02 years for full 20 years (ensure the conditions for the number of years participating in social insurance in order to enjoy her pension), the pension she will receive for about 20 years is: 20 years x 12 months x 45% = 108 months salary.

In addition to the monthly pension, Ms. B is also entitled to other benefits as prescribed by the Law on Social Insurance, including: The pension is adjusted on the basis of the increase of the consumer price index and the appropriate economic growth. compatible with the state budget and the social insurance fund. To be granted a free health insurance card with 95% of medical examination and treatment costs for health care (monthly social insurance fund contributes 4.5% of the pension rate).

At the same time, upon the death of Mrs. B, her relatives are entitled to the survivorship regime, including: Funeral allowance equal to 10 months of basic salary and survivorship allowance (one-time survivorship allowance of the lowest level equal to 03 months of currently enjoying pension). Or a monthly survivorship allowance for the maximum number of eligible relatives is 04, the monthly survivorship allowance for each relative is equal to 50% of the base salary; in case the relative has no immediate relatives. for care, the monthly survivorship allowance equal to 70% of the base salary).

Comparing the case where the average salary level is used as a basis for paying social insurance premiums, Vietnam Social Insurance takes an example that an employee has full 20 years of paying social insurance premiums (from 2001-2020). ), with the average salary as the basis for social insurance payment is 4 million VND/month. Assuming employees are eligible for a pension or a lump-sum social insurance allowance in 2022, pension benefits until death, regardless of the impact of factors such as inflation rate, wage growth rate, adjusted rate of pension, investment interest rate of social insurance fund, then male employees will have a pension rate of 45%, salary 1.8 million VND/month. Calculating according to the average life expectancy of men is 71 years old (according to the results announced by the General Statistics Office in 2020), the number of months of retirement pension at the age of 60 years and 6 months until death is 126 months. Therefore, the total pension received is 226.8 million VND.

Along with the purchase of a health insurance card (equivalent to 4.5% of the monthly pension) is more than 10.2 million VND, the funeral allowance (10 months of base salary) is 14.9 million VND, the The one-time survivorship allowance (03 months of pension before death) is 5.4 million VND, the total amount of male employees entitled to from the social insurance fund when receiving pension is more than 257.3 million VND.

For female employees, the pension rate is 55%, the salary is 2.2 million VND/month. Calculated according to the average life expectancy of women is 76.3 years old, the number of months of retirement pension at the age of 55 years and 8 months until death is 247 months. The total pension received will be: 543.4 million VND. Including the purchase of a health insurance card of more than 24.45 million VND, the funeral allowance is 14.9 million VND, the one-time survivorship allowance is 6.6 million VND, the total amount is benefited from the social insurance fund. Association for female employees when receiving pension is more than 589.35 million VND.

Meanwhile, both male and female employees, assuming 20 years of paying social insurance premiums and being eligible for one-time social insurance benefits, the amount received will be: 134 million VND. It is calculated that male employees receiving a pension will benefit more than receiving one-time social insurance of over 123.3 million VND and for female employees, this figure is over 455.35 million VND.

This is just an example of an employee who has paid social insurance premiums for at least 20 years to be eligible for pension. The pension is also adjusted upward and the longer the employee lives, the more pension benefits will be. Thus, it can be clearly seen that employees enjoying the retirement regime will have more benefits than choosing to receive one-time social insurance. Enjoying one-time social insurance means that employees leave the social insurance system and deprive themselves of their basic security rights, suffering “single loss, double loss”.

Vietnam Social Insurance recommends that employees, when they do not choose to receive one-time social insurance benefits, have the right to reserve the time of paying social insurance premiums so that when conditions permit, they can continue to participate in social insurance for the first time. Compulsory or participate in voluntary social insurance for the full number of missing years to be eligible for a pension to cover life and be issued a health insurance card (with 95% coverage of medical expenses) for the entire period of time. pension period for health care in old age.

In the coming time, it is expected that the Law on Social Insurance will be revised in the direction of reducing the time of paying social insurance premiums for pension enjoyment from the current 20 years, to 15 years or even 10 years. in the spirit of Resolution No. 28-NQ/TW on reforming social insurance policies. The amendment of social insurance policies in this spirit will contribute to increasing the attractiveness of social insurance policies (including voluntary social insurance), employees will have more motivation to continue working. continue to reserve and accumulate time to pay social insurance premiums to enjoy pensions, contributing to ensuring sustainable social security for employees.

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