Who can wait to get a pension?

In a row in both print and electronic newspapers, Nguoi Lao Dong Newspaper raised the issue of massive withdrawal of one-time social insurance. Regarding this issue, recently, the Government Office has issued notice No. 28 about the conclusion of Deputy Prime Minister Vu Duc Dam at the meeting on the situation of solutions to overcome the labor shortage.

Accordingly, Deputy Prime Minister Vu Duc Dam asked the Ministry of Labour, Invalids and Social Affairs (LOL) to coordinate with Vietnam Social Security and relevant ministries, branches and agencies to study and perfect the policy. support employees in difficulty in the process of amending and supplementing the Law on Social Insurance to limit the one-time withdrawal of social insurance.

Reflecting on Nguoi Lao Dong Newspaper, many readers believe that a regulation on payment-enjoyment and retirement age of the current Social Insurance Law reveals a number of shortcomings, leading to the fact that it has not yet attracted participants.

Reader Hai rice expressed: Please ask now that 100% of the salary of allowances, overtime, overtime….but still not enough to live, retirement can only receive the highest 75%, only a very small number is enough. 35 years of paying the basic salary, all other payments are lost, so how to live without withdrawing once is a strange thing, a one-time withdrawal is inevitable. A reader named Dung commented: The retirement age is too high, now there are many diseases, many people in their 50s and 60s have already passed away. That’s why people tend to withdraw once.”

Reader Ha Nguyen shared: Abroad, the population is old and there is a shortage of labor, so people prolong the retirement age. In our country, there is a lot of unemployed young labor force. Extending the retirement age takes the opportunity of young workers. Old people are backward, stagnant, in poor health, low labor productivity, prone to accidents. Young, dynamic, new knowledge, healthy… Our country should have lowered the retirement age. Retirement 62, people live for a few more years and then die. Living on average 74 years old, so pensioners receive 12 years.

Reader Ngo Tung asked the question: “As a worker for a foreign company, try to ask how many people can work until the age of 55. Maybe they’ve been fired before 50?”. According to reader Ngo Duc Le, the core problem is that the pension is not enough to live on. The second is that if the employer pays 20% and the employee pays 8%, the employer always tries to pay the lowest rate, circumventing the law and avoiding the obligation to pay social insurance. Leading to social insurance debt, workers are disadvantaged, so it is correct that they withdraw once. “Why not force employers to pay social insurance contributions to their salaries and pay compulsory insurance. If not, arrears will be collected. At that time, employees will benefit and will reduce the number of people withdrawing one-time social insurance” – you Read Comments.

Readers with the nickname Dungpro11 think that the regulations on paying and enjoying social insurance are basically not suitable for non-state workers, so the one-time withdrawal of social insurance for this object is completely understandable. An anonymous reader agreed with the issues of Nguoi Lao Dong Newspaper and said that workers in their 50s are not accepted by any business. “The formula for calculating the average 30 years of social insurance contributions is not appropriate, the retirement age of 60-62 is not reasonable for Vietnamese people. Try to ask if you are introducing a job if it is correct when the employee applies for a job at a young age. From 50 years old, does anyone accept to work as an office anymore or do security/manual work?So what do men aged 50 to 62 years old do to live until they receive their pension?”- this reader commented.

Commenting to improve the policy, according to reader Tran Anh Phu, you should withdraw to 15 years of paying social insurance premiums, enough years to retire, and from over 50 years old, you have the right to retire. “No one waits until the age of 62 to know if they will live to that age and receive a pension” – this reader wrote. An anonymous reader exclaimed: “Social insurance, please don’t blame it on one side, but listen to the difficulties of employees to build a perfect policy so that they don’t withdraw once”.

According to reader Nguyen Thi Thu, if you keep rigidly applying the age of 62 to receive a pension book, employees who wait a long time will withdraw 1 time, so if they are flexible enough to reduce the age to receive a pension book to 50 or 55 years old, fewer people will withdraw. 1 time, very simple. Sharing the same opinion, reader Tran Van Tam expressed: Social insurance needs to be flexible for early retirement, reducing the insurance payment year and reducing the pension age, for example, 15 years of insurance premiums and 50-year-old men or 55-year-olds can for retirement, creating conditions for employees to attract more people to participate. Similarly, reader Nguyen Lanh said that the retirement age increase of 60, 62 is not suitable for direct employees, and those working in business units and enterprises. Over 45 years old, the leader wanted to give up. “The salary age increases, how can workers wait. Expect the social insurance to study and consider. Reduce the age to enjoy the pension” – this reader suggested.

Should reduce the retirement age

“The State needs to have synchronous solutions, but if you can’t see the high rate of one-time social insurance withdrawal, then find a way to block the withdrawal. The State must find out exactly what causes the one-time social insurance withdrawal rate and must In order to keep the social insurance fund stable, it is necessary to use the money contributed by employees and enterprises for the right purposes, fight against corruption and negative wastefulness; investment must be profitable and recoverable. capital and interest, the system is reduced very neatly. “The increased pension age is also the reason why employees withdraw once because they have not yet received their pension due to illness; There must be a subsidy system so that they can have an amount of money to have two meals a day before receiving their pension but can’t find a job”- Kim Thuong commented.

An Khanh