New points on conditions and levels of one-time social insurance benefits from 2025

(Dan Tri) - The draft Decree guiding the implementation of a number of articles of the Law on Social Insurance, which is being consulted, has detailed regulations on one-time social insurance benefits.

The Law on Social Insurance, effective from July 1, 2025, has many amendments and supplements in the direction of increasing benefits, encouraging employees to reserve their contribution period to receive pensions instead of receiving social insurance at a time.

Accordingly, the cases eligible for one-time social insurance benefits include: 1. Employees who are old enough to receive pension but have not paid social insurance for 15 years; 2. People who go abroad to settle; 3. People who are suffering from one of the following diseases: cancer, paralysis, decompensated cirrhosis, severe tuberculosis, AIDS; 4. People with a working capacity reduction of 81% or more, people with especially severe disabilities; 5. Employees who have paid social insurance before July 1, 2025 and have not paid 20 years of social insurance.

Social insurance participants from July 1, 2025 can only withdraw insurance in the first 4 cases.

According to the draft Decree detailing and guiding the implementation of a number of articles of the Law on Social Insurance on compulsory social insurance that is being consulted, employees receiving one-time social insurance benefits are detailed as follows:

Employees who have paid social insurance before July 1, 2025, excluding employees who have paid social insurance before July 1, 2025 but have received one-time social insurance for the entire period of social insurance payment before July 1, 2025.

The determination of 12 months not subject to compulsory social insurance participation is 12 months without social insurance payment, excluding months not subject to compulsory social insurance payment according to regulations.

In case an employee is both eligible for one-time social insurance benefits as prescribed in Point d, Clause 1, Article 70 of the Law on Social Insurance and eligible for pension as prescribed in Clause 1, Article 64 of the Law on Social Insurance, the case shall be resolved according to the employee's written request.

According to the Law on Social Insurance 2024, the one-time social insurance benefit is calculated based on the number of years of payment and the basis for social insurance payment (but does not include the amount of state budget support for voluntary social insurance payment).

Thus, each year is calculated as 1.5 months of the average monthly salary for social insurance contributions for years before 2014; and 2 months of the average monthly salary for social insurance contributions for years from 2014 onwards.

In case the social insurance payment period is less than one year, the benefit level is equal to the amount paid but not more than 2 months of the average monthly salary for social insurance payment.

Employees who do not receive a one-time social insurance payment but reserve the payment period to continue participating have the opportunity to enjoy higher benefits such as:

When continuing to participate, you will enjoy higher benefits; receive pension with easier conditions; during the pension period, the Social Insurance Fund will pay health insurance;

Receive monthly benefits when not eligible for pension and not old enough to receive social retirement benefits; during the period of receiving monthly benefits, enjoy health insurance guaranteed by the State budget.

Source: https://dantri.com.vn/an-sinh/diem-moi-ve-dieu-kien-muc-huong-bao-hiem-xa-hoi-mot-lan-tu-nam-2025-20241126094751637.htm