Retirement age continues to increase in 2026

The 2019 Labor Code stipulates that the retirement age of employees in normal working conditions is adjusted according to the roadmap, until reaching 62 years old for male employees in 2028, and 60 years old for female employees in 2035.

Starting from 2021, the retirement age of employees in normal working conditions is 60 years and 3 months for male employees and 55 years and 4 months for female employees. After that, it will increase by 3 months each year for male workers and 4 months for female workers.

According to this roadmap, in 2026, male workers will retire at the age of 61 years and 6 months, female workers will be 57 years old. This is the retirement age under normal working conditions.

The law also stipulates some special cases where employees are allowed to retire at a lower age than normal working conditions, but must still ensure a minimum period of social insurance payment.

For workers working in arduous, toxic, dangerous jobs or working in areas with particularly difficult socio-economic conditions: Employees with a total period of compulsory social insurance payment of 15 years or more when working in these jobs, or working in areas with special difficulties (including working time in areas with regional allowance coefficient of 0.7 or higher before January 1, 2021) are allowed to retire at an age lower than the general regulations.

The retirement age in this case may be lower, but not more than 5 years compared to the retirement age under normal working conditions at the time of retirement as prescribed.

For workers working in underground coal mining: Workers who have worked in underground coal mining for 15 years or more are allowed to retire at a maximum age of 10 years lower than the retirement age under normal working conditions.

Specific tasks are specified in Appendix I of Decree No. 158/2025/ND-CP of the Government detailing and guiding the implementation of a number of articles of the Law on Social Insurance on compulsory social insurance.

For officers, professional soldiers, people's police and some other special subjects: When these subjects retire and have paid compulsory social insurance for 15 years or more, they can retire at a maximum age of 5 years lower than the general regulations, unless otherwise provided in specialized laws.

For employees infected with HIV/AIDS due to occupational accidents: Employees in this case are entitled to pension when they have paid compulsory social insurance for 15 years or more, regardless of age conditions.

For employees with reduced working capacity: Employees with reduced working capacity can also retire early, but must meet the conditions for longer social insurance payment period and the pension will be deducted from the rate due to early retirement. Each year of early retirement decreases by 2%.

Regarding the conditions for enjoying, employees must have paid compulsory social insurance for 20 years or more. Specific cases are regulated as follows: Retiring at most 5 years earlier if having a reduced working capacity of 61% to less than 81%; retiring at most 10 years earlier if having a reduced working capacity of 81% or more.

People who have worked for 15 years or more in a particularly arduous, toxic, dangerous job or job and have a working capacity reduction of 61% or more will also receive a pension at a lower level.

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