The Law on Social Insurance stipulates that from 2022 onwards, male employees who are eligible to retire and pay at least 20 years of social insurance can enjoy retirement, while female employees who are eligible for retirement only need to pay at least 15 years. Social insurance to be able to receive pension.
However, there are many workers who choose one-time withdrawal of social insurance after retiring.
According to the Laborer, in 2022, the condition to withdraw one-time social insurance is that the employee reaches the prescribed retirement age but has not yet paid full 20 years of payment of social insurance, or has less than 15 years of payment of social insurance for female employees who are female employees. full-time or part-time activities in communes, wards and townships, and do not continue to participate in voluntary social insurance.
In addition, participants of compulsory social insurance after one year of leaving work but have not yet paid full 20 years of payment of social insurance; participants of voluntary social insurance after one year do not continue to pay social insurance but have not yet paid full 20 years.
People going abroad to settle down, people suffering from one of the life-threatening diseases… are also eligible for one-time withdrawal of social insurance.
Mr. Phan Van Men (Director of Ho Chi Minh City Social Insurance) shared on Youth Online, in fact, withdrawing social insurance does not bring any benefits but “only damages for employees”.
He stated, on average, a person has to pay social insurance premiums up to 2.64 months salary a year, but when they withdraw their social insurance money once, they are only entitled to 1.5 months (before 2014) and 2 months (after 2014). This large difference causes disadvantage for workers.
“Withdrawing social insurance money will mean that employees take themselves out of the social security system. That is, they will not be entitled to retirement benefits and especially no longer enjoy health insurance benefits when they are sick. This directly affects the well-being of the person himself, and at the same time completely depends on his family and society,” Tuoi Tre quoted Mr. Men as saying.
According to the Director of Ho Chi Minh City Social Insurance, the longer the payment period, the higher the premium, the higher the benefits. Many employees do not understand this superior policy of social insurance. When you withdraw once, you only see the immediate need and forget the long-term benefits.
“I would like to confirm that the social insurance fund is never broken, because there is the support of the State, so people need to rest assured that they should not withdraw their social insurance books once,” he affirmed to Tuoi Tre.
According to the same source, Ms. Nguyen Thi Thuy (Deputy Head of Retirement Department of Vietnam Social Insurance) said that the policies have taken into account inflation or price slippage for employees’ salaries for social insurance contributions, not only when calculating the calculation. pension but also ensure this factor throughout the enjoyment process. Thereby ensuring the basic pensioner’s income to meet the needs of life.
(Synthetic)
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