Workers are allowed to pay social insurance to receive pension.

The Ministry of Home Affairs has just issued Circular No. 12/2025/TT-BNV detailing a number of articles of the Law on Social Insurance on compulsory social insurance. The Circular takes effect from July 1, 2025, adding many new policies directly related to the rights of tens of millions of workers.

One of the most notable new points is the permission for employees to make a one-time payment of up to 6 months of compulsory social insurance to qualify for pension. Accordingly, employees who are eligible for pension age but have a minimum of 6 months of compulsory social insurance payment to qualify for pension can continue to make a one-time payment for the missing months at a monthly payment equal to the total payment of the employee and the employer before the employee leaves the job to the pension and death fund.

Illustration photo.

Under the old regulations, workers who lack the required contribution time will be forced to continue working to pay for the full year. Allowing workers to make a one-time payment of 6 months of mandatory social insurance to qualify for pensions will create more favorable conditions for workers to receive pensions, demonstrating the spirit of humanity, flexibility, and suitability with the practicality of the policy.

Along with that, this circular also guides how to calculate sick leave benefits for employees with important changes.

According to previous regulations, the sick leave benefit is calculated at 75% of the salary for social insurance contributions of the month immediately preceding the leave. In case of long-term leave, the rates of 65%, 55%, 50% are applied depending on the number of years of social insurance contributions. According to the new circular, the benefit level is always applied according to the stratified rate based on the time of social insurance contributions, including the following specific levels: 65% if the contribution is 30 years or more, 55% if the contribution is from 15 years to less than 30 years, 50% if the contribution is less than 15 years.

Source: https://baolaocai.vn/nguoi-lao-dong-duoc-dong-bu-bao-hiem-xa-hoi-de-huong-luong-huu-post648766.html