Is it possible to withdraw one-time social insurance benefits and then re-contribute them to receive a pension?

Legal Consulting Department answers:

Current law does not have regulations allowing people who have received one-time social insurance to return the received money to be added to the years of social insurance contributions when continuing to participate in social insurance to receive pensions later.

According to the provisions of Article 64 and Article 98 of the 2024 Law on Social Insurance, people with social insurance contributions of 15 years or more when reaching retirement age are entitled to pensions.

According to the provisions of Clause 1, Article 7, Decree 159/2025/ND-CP, voluntary social insurance participants who have reached retirement age as prescribed in Clause 2, Article 169 of the Labor Code but the social insurance contribution period is not less than 5 years (60 months) are entitled to one-time contribution to reach 15 years to receive a pension.

Therefore, depending on your age and specific circumstances, you can work at enterprises and agencies with labor contracts of 1 month or more to participate in compulsory social insurance or participate in voluntary social insurance if you are a freelancer to have at least 15 years of social insurance contributions to receive a pension later.

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