If female employees work under normal conditions, how many years must they pay for social insurance premiums to receive their pension in Vietnam?

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Question date: 28/03/2023

If female employees work under normal conditions, how many years must they pay for social insurance premiums to receive their pension in Vietnam? If a female employee works in normal conditions and pays 20 years of social insurance premiums, how much is her monthly pension in Vietnam? What are regulations on average monthly salary on which social insurance premiums are based for calculation of pension and lump-sum allowance in Vietnam?

Hello, let me ask you, I am working as an office worker at a company, I intend to retire in the near future, please ask if female employees working in normal conditions, how many years must they pay for social insurance premiums to receive their pension?

Please advise. Thankyou.

    • If female employees work under normal conditions, how many years must they pay for social insurance premiums to receive their pension in Vietnam?

      In Article 54 of the Law on Social Insurance 2014 as amended by Point a, Clause 1, Article 219 of the Labor Code 2019, the conditions for pension enjoyment are as follows:

      1. An employee mentioned in Points a, b, c, d, g, h and i Clause 1 Article 2 of this Law, except for the cases specified in Clause 3 of this, will receive retirement pension if he/she has paid social insurance for at least 20 years and:

      a) He/she has reached the retirement age specified in Clause 2 Article 169 of the Labor Code;

      b) He/she has reached the retirement age specified in Clause 3 Article 169 of the Labor Code and has at least 15 years’ doing the laborious, toxic or dangerous works or highly laborious, toxic or dangerous works on the lists of the Ministry of Labor, War Invalids and Social Affairs; or has at least 15 years’ working in highly disadvantaged areas, including the period he/she works in areas with the region factor of at least 0,7 before January 01, 2021;

      c) His/her age is younger than the retirement age specified in Clause 2 Article 169 of the Labor Code by up to 10 years and he/she has worked in coal mines for at least 15 years; or

      d) He/she contracted HIV due to an occupation accident during performance of his/her assigned duty.

      2. An employee mentioned in Points dd and e Clause 1 Article 2 of this Law will receive retirement pension if he/she has paid social insurance for at least 20 years and:

      a) His/her age is younger than the retirement age specified in Clause 2 Article 169 of the Labor Code by up to 05 years, unless otherwise prescribed by the Law on Military Officer of Vietnam’s Army, the Law of People’s Police, the Law on Cipher and the Law on professional servicemen and women, national defense workers and officials;

      b) His/her age is younger than the retirement age specified in Clause 3 Article 169 of the Labor Code by up to 05 years and he/she has at least 15 years’ doing the laborious, toxic or dangerous works or highly laborious, toxic or dangerous works on the lists of the Ministry of Labor, War Invalids and Social Affairs; or has at least 15 years’ working in highly disadvantaged areas, including the period he/she works in areas with the region factor of at least 0,7 before January 01, 2021; or

      c) He/she contracted HIV due to an occupation accident during performance of his/her assigned duty.

      3. A female employee that is a commune official or a part-time worker at the commune authority and has paid social insurance for 15 to under 20 years and reaches the retirement age specified in Clause 2 Article 169 of the Labor Code will receive the retirement pension.

      4. The Government shall provide for special cases of retirement age.

      According to current regulations in Vietnam, in case female employees work in normal conditions, they must pay at least 20 years of social insurance before they can receive pension. In addition, female employees must also meet the retirement age in accordance with the labor law.

      If a female employee works in normal conditions and pays 20 years of social insurance premiums, how much is her monthly pension in Vietnam?

      In Clause 2, Article 56 of the Law on Social Insurance 2014, the monthly pension is as follows:

      2. Since January 1, 2018, the monthly pension of employees who fully satisfy the conditions specified in Article 54 of this Law will equal 45% of the average monthly salary on which social insurance premiums are based as prescribed in Article 62 of this Law, and correspond to the following period of social insurance premium payment:

      a/ For male employees who retire in 2018, 2019, 2020 and 2021 and since 2022, it is 16 years, 17 years, 18 years, 19 years and 20 years, respectively;

      b/ For female employees who retire since 2018, it is 15 years;

      For employees defined at Points a and b of this Clause, the pension rate shall be added with 2% for each additional year of social insurance premium payment, but must not exceed 75%.

      According to this Article, female employees who work in normal conditions and pay social insurance premiums for 20 years are entitled to a monthly pension equal to 55% of the average monthly salary on which social insurance premiums are based. Of which, 45% is equivalent to 15 years of paying social insurance premiums, 10% is equivalent to 5 years of additional premium payment in Vietnam.

      What are regulations on average monthly salary on which social insurance premiums are based for calculation of pension and lump-sum allowance in Vietnam?

      Article 62 of the Law on Social Insurance 2014 stipulates average monthly salary on which social insurance premiums are based for calculation of pension and lump-sum allowance as follows:

      1. For employees subject to the State-prescribed salary benefits and having the entire period of social insurance premium payment under this salary benefits, the average monthly salary for the number of years of social insurance premium payment before retirement must be:

      a/ The average monthly salary on which social insurance premiums are based in the last 5 years prior to retirement, for employees paying social insurance premiums before January 1, 1995;

      b/ The average monthly salary on which social insurance premiums are based in the last 6 years prior to retirement, for employees paying social insurance premiums between January 1, 1995, and December 31, 2000;

      c/ The average monthly salary on which social insurance premiums are based in the last 8 years prior to retirement, for employees paying social insurance premiums between January 1, 2001, and December 31, 2006;

      d/ The average monthly salary on which social insurance premiums are based in the last 10 years prior to retirement, for employees paying social insurance premiums between January 1, 2007, and December 31, 2015;

      dd/ The average monthly salary on which social insurance premiums are based in the last 15 years prior to retirement, for employees paying social insurance premiums between January 1, 2016, and December 31, 2019;

      e/ The average monthly salary on which social insurance premiums are based in the last 20 years prior to retirement, for employees paying social insurance premiums between January 1, 2020, and December 31, 2024;

      g/ The average monthly salary on which social insurance premiums are based in the entire period of social insurance premium payment, for employees paying social insurance premiums since January 1, 2025.

      2. For employees who have the entire period of social insurance premium payment under the employer-decided salary benefits, the average monthly salary on which social insurance premiums are based in the entire period of payment shall be used.

      3. For employees who have both a period of social insurance premium payment under the State-prescribed salary benefits and a period of social insurance premium payment under the employer-decided salary benefits, the average monthly salary on which social insurance premiums are based in these periods shall be used, in which for the period of social insurance premium payment under the State-prescribed salary benefits, the average monthly salary on which social insurance premiums are based as specified in Clause 1 of this Article shall be used.

      4. The Government shall detail this Article.

      Thus, the average monthly salary on which social insurance premiums are based for calculation of pension and lump-sum allowance will be determined according to the above regulations in Vietnam.

      Best Regards!

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    "This English translation is for reference purposes only and not a definitive translation of the original Vietnamese texts"

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