The Ministry of Home Affairs issued Circular No. 11/2025/TT-BNV dated June 30, 2025 detailing a number of articles of the Law on Social Insurance on voluntary social insurance (hereinafter referred to as Circular No. 11/2025).
This Circular details Clause 8, Article 33, Clause 4, Article 101 of the Law on Social Insurance and Clause 4, Article 13 of Decree No. 159/2025/ND-CP dated June 25, 2025 of the Government detailing and guiding the implementation of a number of articles of the Law on Social Insurance on voluntary social insurance (hereinafter referred to as Decree No. 159/2025).
The subjects of application are voluntary social insurance participants and other agencies, organizations and individuals related to this policy.
Provisions for employees participating in mandatory social insurance who are still short of more than 6 months to be eligible for pension
Circular No. 11/2025 clearly stipulates the contribution level, payment method and payment period for voluntary social insurance of employees who have terminated mandatory social insurance payment and have a remaining social insurance payment period of more than 6 months to be eligible for pension.
created, employees who have stopped paying mandatory social insurance but still lack more than 6 months of social insurance payment to be eligible for pension have the right to continue paying voluntary social insurance.
The contribution level, payment method and payment period for voluntary social insurance are prescribed as follows:
Firstly, the contribution level is implemented according to the provisions of Clause 1, Article 36 of the Law on Social Insurance, that is, voluntary social insurance participants pay monthly 22% of the income used as the basis for voluntary social insurance contributions to the pension and death fund.
Second, the payment method is implemented according to the provisions of Clause 2, Article 36 of the Law on Social Insurance, Articles 6 and 7 of Decree No. 159/2025.
proactive, voluntary social insurance participants can choose one of the following payment methods: Monthly, 3 months/6 months/12 months at a time; or one time for many years to come; or one time for the remaining social insurance payment period to be eligible for pension with a formula specifically prescribed for each case.
The payment period is implemented according to the provisions of Clause 3, Article 36 of the Law on Social Insurance. capital: Within a month for the monthly payment method; Within 3 months for the payment method every 3 months; Within the first 4 months for the payment method every 6 months; Within the first 7 months for the payment method every 12 months; At the time of registration of the payment method and the monthly income level as the basis for one-time payment for many years to come; At the time of registration of the payment method and the monthly income level as the basis for one-time payment for the remaining social insurance payment period to be eligible for pension, but at the earliest is the month preceding the month the employee reaches retirement age according to regulations.
Conditions for receiving pension for voluntary social insurance participants
Voluntary social insurance participants are entitled to pension when they fall into one of the following cases.
Firstly, meet the conditions for pension according to the provisions of Article 98 of the Law on Social Insurance (meet retirement age according to the provisions of Clause 2, Article 169 of the Labor Code and have paid social insurance for 15 years or more).
Second, meet the conditions for pension according to the provisions of Clause 9, Article 141 of the Law on Social Insurance (people participating in voluntary social insurance before January 1, 2021 and having paid voluntary social insurance for 20 years or more are entitled to pension when they reach the age of 60 for men and 55 for women, except in cases where employees wish to receive pension according to the provisions of Article 98 of the Law on Social Insurance 2024).
The pension entitlement time of voluntary social insurance participants eligible for pension entitlement is calculated from the first day of the month following the month eligible for pension entitlement.
In case a social insurance participates continues to pay voluntarily social insurance after meeting the conditions for receiving a pension according to regulations, the time to receive the pension is the first day of the month following the month in which he/she stops paying and requests to receive the pension.
In the case of a voluntary social insurance participant who is currently implementing one of the payment methods of 3-month, 6-month, 12-month or one-time payment for many years in accordance with the provisions of the Law on Social Insurance 2024 and is eligible for pension according to regulations and has a request to receive pension, the time to receive pension is the first day of the month following the month of eligibility and request to receive pension.
In case a voluntary social insurance participant has paid social insurance for 15 years or more, reaches the retirement age as prescribed in Clause 2, Article 169 of the Labor Code before the effective date of the Social Insurance Law 2024 and does not continue to pay voluntary social insurance from July 1, 2025, the time to receive pension is the effective date of the Social Insurance Law.
In case a person participating in voluntary social insurance before January 1, 2021 has paid at least 20 years of voluntary social insurance, is 60 years old for men, 55 years old for women before the effective date of the Law on Social Insurance and does not continue to pay voluntary social insurance from July 1, 2025, the time to receive pension is the effective date of the Law on Social Insurance.
In case a voluntary social insurance participant makes a one-time payment for the missing social insurance payment period as prescribed in Point e, Clause 2, Article 36 of the Law on Social Insurance and Article 7 of Decree No. 159/2025, the pension payment date is the first day of the month following the month in which the full amount for the missing social insurance payment period is paid.
In case the date of birth and month of birth (only the year of birth) of the voluntary social insurance participant cannot be determined, the time to receive pension shall be calculated from the first day of the month following the month eligible for pension according to the provisions of Article 4 of this Circular. In which, the month of retirement age is determined based on taking January 1 of the year of birth as the basis for determining the age of the voluntary social insurance participant.
Circular No. 11/2025 takes effect from July 1, 2025.
Previously, on May 26, 2025, the Government issued Decree No. 159/2025/ND-CP detailing and guiding the implementation of a number of articles of the Law on Social Insurance on voluntary social insurance.
One of the outstanding policies of this Decree is to increase the level of support for voluntary social insurance participants. specifically, according to Article 5 of Decree No. 159/2025, voluntary social insurance participants are supported by the State with a percentage (%) of the monthly voluntary social insurance contribution according to the poverty line of rural areas as prescribed in Clause 2, Article 31 and Clause 1, Article 36 of the Law on Social Insurance 2024.
The specific support levels are as follows: 50% for participants from poor households, people living in island communes, special zones according to regulations of the Government and the Prime Minister ; 40% for participants from near-poor households; 30% for participants from ethnic areas; 20% for other participants.
This support level has increased significantly compared to the regulations applied under Decree No. 134/2015/ND-CP dated December 29, 2015. Previously, voluntary social insurance participants were only supported at 30% for participants from poor household, 25% for participants from near-poor household and 10% for other subjects.
Decree No. 159/2025 also clearly states that voluntary social insurance participants who are eligible for support at different levels will be supported at the highest level.
Depending on socio-economic conditions, budget balance capacity, and combined mobilization of social resources, the People's Committees of provinces and centrally run cities shall submit to the People's Councils of the same level for decision on supporting social insurance premiums for voluntary social insurance participants in the area in addition to the support level prescribed in this Decree.
Based on socio-economic development conditions and state budget capacity from time to time, the Government shall consider adjusting the level of support for voluntary social insurance participants accordingly.
The support period depends on each person's actual voluntary social insurance participation time but not more than 10 years (120 months).
Source: https://baotuyenquang.com.vn/xa-hoi/202507/huong-dan-ve-bao-hiem-xa-hoi-tu-nguyen-ap-dung-tu-ngay-172025-eb55572/
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