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Late regrets for early withdrawal

Hastily withdraw insurance society

In order to ensure social security for employees in the long term, countries around the world do not allow employees participating in social insurance (social insurance) to withdraw their social insurance once, except in special cases. such as going abroad to settle down or suffering from a serious illness that requires medical expenses. In the country, withdrawing one-time social insurance is quite simple.

That’s why, in the past week, in some localities, many workers rushed to withdraw their social insurance once. There are many different reasons given whether employees pay social insurance for a few years or many years.

Late regret for early withdrawal of insurance - Photo 1.

People go to the social insurance agency to carry out the procedures related to social insurance. (Photo: PLO)

After three years of paying social insurance premiums and then quitting his job, after 5 years, Mr. Nguyen Dinh Thang (Tam Duong district, Vinh Phuc) withdrew. With the amount of 17 million VND, he will buy motorbike repair tools. For him, as long as he has money to deal with in the immediate future, happiness and suffering is a matter of the future.

“I don’t pay insurance anymore, I don’t know when until I’m 60 – 70 years old to enjoy my pension. I don’t know if I can live until then to enjoy my pension. Now I know first,” Mr. Nguyen Dinh Thang shared. shall.

“The social insurance of Tam Duong district has consulted. In some cases, up to 3 times, the director also directly consulted, they also talked about their thoughts, but then they came back to decide to pay”, Ms. Nguyen Thi Luu, Director of Social Insurance of Tam Duong district, Vinh Phuc, said.

And at Social Insurance in Binh Tan district, Ho Chi Minh City, on average, the unit has to process up to 300 cases per day.

Since early morning, many people have come to queue to wait for their turn. Knowing that it will be a disadvantage when withdrawing one-time social insurance, but because the financial situation is urgent, choosing to withdraw one-time social insurance is the solution in difficult times.

Withdrawing social insurance is a disadvantage

An employee has full 20 years of paying social insurance premiums, with the average salary as the basis for payment is 4,000,000 VND/month.

According to the average life expectancy, if a male employee retires, he will receive a pension, free health insurance card and death benefits of more than 257 million VND; and female employees when they retire will receive more than 589 million dong. If the employee withdraws social insurance once, the employee will only get 134 million VND.

It can be seen that if male employees receive a pension, they will benefit from receiving a one-time social insurance of 123 million VND; female workers to more than 455 million.

Limit withdrawal of social insurance to ensure security

A very worrying number is that of the current 13.4 million elderly people, nearly 10 million people do not have pensions and benefits, have to rely on descendants, relatives or continue to work for a living.

With the aging population in Vietnam, most of the elderly are currently working to generate income, many young or middle-aged workers have withdrawn their social insurance once, accepting old age without support. financial, health insurance is a paradox, it is necessary to take measures to limit this situation.

“The condition for receiving pension is time, which can be reduced to 15 years, or 10 years. Employees can be added motivation to receive pension later and adjust regulations and conditions. The conditions for one-time pension entitlement are stricter,” said Ms. Nguyen Thi Bich Lien, deputy director of Vinh Phuc province’s Social Insurance.

“Assert that 22% is entirely owned by employees. To encourage employees to receive money due to difficulties, they should temporarily use 8% of their own, and 14% are still employees’ savings. Do explain It’s not thorough, so the workers think that banning one-time withdrawal is a 14% reduction for the employee, no, that’s the employee’s right to enjoy. The problem is when and how to take it”, he said. Bui Sy Loi, former Vice Chairman of the National Assembly’s Committee on Social Affairs, commented.

Late regrets for early withdrawal

Many people withdraw social insurance for legitimate reasons, because life is too difficult and financially exhausted, but many people have the mentality of just withdrawing to keep their money safe, even for consumption. At a young age, there is a mentality that the future is still far away, just live for the present, but among many people who withdraw their social insurance once, they have regrets later.

Nguyen Thi Thu and her husband have paid social insurance contributions for 8 years and withdrew together. At that time, the money to take home 120 million sounded like a lot, but it was quickly spent, now opening a shop to sell ornamental plants, more than 40 years old, ten years from now, with a little accumulation, she regrets the rush at that time.

Late regret for early withdrawal of insurance - Photo 2.

Many people regret withdrawing social insurance early. (Illustration image – Photo: Dan Tri)

“It’s been 12 years since I closed for business, but now that the business is stable, now I want to close again. so that later I can get a salary when I get old, but now I’m sorry,” said Nguyen Thi Thu, Tam Duong district, Vinh Phuc.

Driving by car every day, over 45 years old, while many people still keep and pay for insurance, Mr. Do Van Khoa is impatient. In the past, he used to take 60 million money to withdraw insurance just to buy a new motorbike. He wanted to pay voluntary social insurance, but unfortunately, he couldn’t pay 10 years ago.

“When I withdraw for a short time, I suddenly think about why I don’t pay again, if I can close it, I will still pay but not get it back. In fact, that money can’t do anything, my pocket money is gone. “, said Mr. Do Van Khoa, former driver of Xuan Mai – Dao Tu Joint Stock Company.

Holding 96 million insurance money after nearly 16 years of payment, Mr. Ket (Thanh Van commune, Tam Duong district, Vinh Phuc province) invested in pig farming. Disease, pigs died, he applied for a job for 6 million dong in month.

For a person living in the countryside, at the age of 52, he understood that withdrawing insurance is not simply bringing money back, but also giving up pensions. He just wants to work at a new company to sign a labor contract to pay social insurance from the beginning.

Many people regret withdrawing social insurance early, the older they get, the more worried they will become, no one wants an old age without money, living only on their children and grandchildren.

The 2013 Constitution clearly states that “Citizens have the right to social security”. Participating in Social Insurance is a guarantee of security for each citizen, but many people are choosing to give up their own security when they are old. Taking the money back is just a matter of time, but what will their decades of old age look like without savings, no pension and no health insurance. Meanwhile, the concept of “the elderly rely on their children” has become increasingly remote when more than 45% of elderly people live alone.

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