Special benefits for social insurance participants who have not yet received pensions

According to Vietnam Social Insurance, it is estimated that in 2025, the entire Vietnam Social Insurance system will solve for 186,119 people receiving monthly pensions and social insurance benefits; 1,044,016 people receiving one-time social insurance benefits (of which the number of people receiving one-time social insurance benefits decreased by 26.15% compared to the previous year); 9,098,537 people receiving sick leave, maternity benefits, health care, and recovery benefits.

Receive 759,198 decisions on unemployment benefits and 14,184 decisions on vocational training support paid. The number of health insurance examinations and treatments is 195.5 million, an increase of more than 6.5% compared to 2024, with the cost of health insurance examinations and treatments proposed to be paid of about VND 161,628 billion, an increase of 14.3% over the same period in 2024...

Among the millions of people receiving pensions and social benefits, there are many subjects eligible for monthly benefits from the Social Insurance.

Monthly allowance is a policy to support employees who have participated in social insurance but do not have enough years of contributions to receive pensions. Monthly allowances help them have a stable source of income at the minimum level when they are no longer able to work.

According to Article 23 of the Social Insurance Law 2024, monthly allowance recipients who are Vietnamese citizens must meet the following conditions:

First, the retirement age is reached from July 1, 2025, specifically: male workers are 61 years and 3 months old, female workers are 56 years and 8 months old.

Second, there was a period of social insurance payment but was not eligible for pension according to regulations.

Third, not old enough to receive social pension benefits according to regulations.

Fourth, employees who do not choose to receive one-time social insurance and do not reserve the paid period and have a request will receive a monthly allowance from the social insurance payment that the employee has participated in.

Monthly allowance recipients are covered by the State's health insurance

Pursuant to Clause 6, Article 23 of the Law on Social Insurance 2024, people who are receiving monthly allowances are covered by the State budget for health insurance. Accordingly, beneficiaries do not have to pay health insurance themselves and still have a health insurance card to use in medical examination and treatment according to the right benefits and benefits of the card when they are unfortunately sick or ill.

This regulation ensures connectivity and unity between social insurance and health insurance policies, helping social insurance participants continue to receive health care during the period when they are not eligible for pensions, limiting financial risks for medical examination and treatment in the context of increasing medical costs.

Documents and deadline for settling monthly allowances

According to Article 24 of the Social Insurance Law 2024, the application for monthly allowances includes:

Social Insurance book;

Document requesting monthly allowance according to the prescribed form.

Within 05 working days from the date of receiving a complete and valid dossier, the Social Insurance agency is responsible for handling the dossier for the employee. In case it is not resolved, the social insurance agency must respond in writing and state the reason.

Employees need to carefully review information about the time and level of social insurance payment in the social insurance book to ensure accurate and complete documents, avoiding the need to adjust or supplement, which prolongs the processing time.

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