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From 2022, how many years do you need to pay social insurance premiums to enjoy the highest pension?

From 2022, how many years do you need to pay social insurance premiums to enjoy the highest pension?  - firstIllustration

According to Articles 56 and 74 of the Law on Social Insurance, starting from 2022, the number of years of paying social insurance premiums to enjoy the pension of male employees will change.

Accordingly, monthly pension = Enjoyment rate x Average salary/monthly income on which social insurance premiums are based.

In which, the average monthly salary on which social insurance premiums are based (for participants in compulsory social insurance) or monthly income on which social insurance premiums are based (for participants in voluntary social insurance) will depend on the salary or monthly income paid by the employer. EMPLOYEES.

For male employees, from 2022 to enjoy the minimum 45% pension, they need to pay full 20 years of social insurance.

After that, for each year of payment of social insurance, the employee’s pension is calculated by 2%, and the maximum level is 75%.

Thus, from 2022, if employees want to enjoy a maximum pension of 75%, male employees need to pay full contributions from 35 years.

For female employees, the monthly pension is calculated at 45% of the average monthly salary on which social insurance premiums are based and corresponds to 15 years of payment of social insurance.

After that, for each year of payment of social insurance, the female employee’s pension is calculated by 2% and the maximum level is 75%.

In order to enjoy the maximum pension of 75%, female employees need to pay full 30 years of participation in social insurance.

Regarding the retirement age of employees working in normal conditions, Article 169 of the Labor Code 2019 stipulates that the retirement age of this group of subjects is adjusted according to the roadmap until they reach the age of 62 for employees. male workers by 2028, and full 60 years of age for female workers by 2035.

Therefore, by 2022, the retirement age of employees working in normal conditions will change as follows:

Male employees: From full 60 years old and 6 months (Increasing 3 months compared to 2021).

Female employees: From full 55 years old 8 months (Increase 4 months compared to 2021).

(Th)

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