The number of people enjoying one-time social insurance increased
Currently, the settlement of the one-time social insurance for the employees (employees) is implemented in accordance with Article 60 of the Law on Social Insurance 2014 and the Resolution No. 93/2015 / QH13 dated 22/6/2015 of the National Assembly. on the implementation of the policy of one-time social insurance benefits for employees.
According to the statistics of Vietnam Social Insurance, the number of employees taking one-off social insurance benefits is increasing over the years (the period 2016-2020 has an average annual growth rate of about 9%). Worryingly, in the first 3 months of 2021, the number of employees receiving one-time social insurance continued to increase rapidly, specifically: 226,503 people were entitled to one-time social insurance, an increase of more than 20.5% over the same period in 2020. One The number of localities affected by the Covid-19 epidemic had a high increase in the number of one-time social insurance beneficiaries such as Khanh Hoa, Quang Nam, Da Nang …
When receiving one-time social insurance, the employee will lose the opportunity to enjoy his pension and receive a free health insurance card at the end of his working age (illustration photo)
The Vietnam Social Security said that the cause of the above situation was mainly due to the impact of the Covid-19 epidemic, causing difficulties for enterprises, leading to many employees to quit their jobs. Up to now, the employee has been out of work for 12 months, so it is necessary to apply for one-time social insurance benefits with the desire to have a sum of money to cover the current life. At the same time, because a small part of the employees still have the concept of “young depend on their father, old and trust their children”, it has not formed a habit when children pay social insurance so that when they get old, they can have a pension, not depending on their children.
The statistics of Vietnam Social Insurance also show that, in the 2016-2019 period, the one-time social insurance beneficiaries were mainly young workers and concentrated in the non-state sector: the age with the number of people taking leave to enjoy social insurance one The most time is from 26 to 29 years old and the average retirement age to enjoy one-time social insurance (including the case of reaching retirement age but not yet eligible for pension) gradually increases from 32.5 years old in 2016 to 33.3 age 2019.
The percentage of women receiving one-time social insurance benefits is higher than that of men, respectively, this period is 55.63% for women and 44.37% for men. Analysis by the period of time off waiting for pension entitlement shows that in the 2016-2019 period, people who take one-off social insurance benefits are mainly employees after 1 year of leave without paying social insurance (on average, about 97%).
Many disadvantages for employees when the receive social insurance once
According to the Vietnam Social Insurance Agency, the fact that the employee registers to receive social insurance once and leaves the social insurance system by himself is a worrying situation, not only directly affecting the interests of the employee, but also affecting the economic situation. – society, as well as ensuring social security for the people of the Party and State.
Receiving social insurance once only gives employees immediate benefits, but the employees have not fully anticipated the risks that will lose many of their long-term benefits.
Sharing his worries about the increase in the number of employees receiving one-time social insurance in the first three months of 2021, Mr. Do Ngoc Tho – Head of Policy Implementation Department of Social Insurance and Vietnam Social Insurance said: “Being the main implementing organization We really feel very regretful when employees choose to receive one-time social insurance, instead of choosing to preserve their paid time and wait for conditions to continue participating in social insurance, accumulate to enjoy their pension when out of working age.
When an employee receives one-time social insurance, the employee will lose a lot, because under the age of retirement, they have spent all their old pension. When you get old, you cannot receive pension benefits and depend on children, grandchildren and the society. If they unfortunately get sick and do not have a health insurance card, they also face the risk of not being able to pay the cost of medical examination and treatment after just one illness, long hospital stay, possibly facing poverty. hunger and exhaustion become a burden on families and society, said Do Ngoc Tho.
Mr. Do Ngoc Tho also emphasized that receiving social insurance once will bring many disadvantages for employees. Employees should not for immediate benefit but miss the opportunity to receive a pension to pay for their lives, as well as to enjoy the health insurance regime to take care of their health in old age. If the same time of social insurance payment is paid, the total monetary benefits when enjoying the monthly pension will be much higher than when enjoying one-time social insurance.
Mr. Do Ngoc Tho suggested that trade unions at all levels should coordinate with the local social insurance agency to focus on information and widely communicate to employees about their superiority and long-term benefits when continuing to participate in social insurance for employees. It is recommended that employees should consider carefully, should not decide to enjoy one-time social insurance, but should reserve the time to pay social insurance so that when possible, continue to participate in compulsory social insurance or participate in voluntary social insurance, in order to have conditions for self-assurance. protecting life and taking care of their own health when they are old, and at the end of their working age.
Le Kim Lien