VietNamNet Newspaper received questions from readers asking about regulations on cases of early retirement without deduction of pension benefits in 2025.

Explaining this issue, Mr. Diep Nang Binh, Head of Tinh Thong Luat Law Office, said: The retirement age in normal working conditions in 2025 for male workers is 61 years and 3 months, and for female workers is 56 years and 8 months. Based on the roadmap for increasing the retirement age, in 2025 there will be 3 cases of early retirement without deduction of pension rate, including:

Eligibility for early retirement of 5 years and 10 years

Conditions for early retirement in 2025 without deduction of pension rate according to Article 64 of the Social Insurance Law 2024 for employees:

In case of being up to 5 years younger than the prescribed age in 2025. Accordingly, female workers are eligible to retire at 51 years and 8 months, male workers at 56 years and 3 months when meeting the following conditions:

Have a total period of compulsory social insurance payment of 15 years or more when: Working in a arduous, toxic, dangerous or especially arduous, toxic, dangerous occupation/job in the list of arduous, toxic, dangerous or especially arduous, toxic, dangerous occupations/jobs or; working in an area with special difficulties including working time in an area with a regional allowance coefficient of 0.7 or higher before January 1, 2021.

In case of being up to 10 years younger than the prescribed age when eligible for compulsory social insurance payment of 15 years or more: Having 15 years or more working in coal mining in underground mines.

Early retirement due to reduced working capacity of less than 6 months

Pursuant to Clause 3, Article 66 of the Law on Social Insurance 2024, the monthly pension of eligible subjects specified in Article 65 of this Law is calculated as prescribed in Clause 1 of this Article, then for each year of retirement before the prescribed age, it is reduced by 2%.

In case of early retirement of less than 6 months, the pension percentage will not be reduced. From 6 months to less than 12 months, the pension percentage will be reduced by 1%.

Accordingly, employees who are in cases of reduced working capacity as prescribed in Article 65 of the Social Insurance Law 2024 are entitled to early retirement but receive a pension at a lower level than those eligible for pension under normal conditions.

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Illustration: Pham Hai

For each year of early retirement, the pension is reduced by 2%. However, if the early retirement period is less than 6 months, the pension percentage will not be reduced.

Thus, employees who retire early due to reduced working capacity of less than 6 months will not have their pension rate deducted according to the provisions of the Social Insurance Law 2024.

Early retirement due to organizational arrangement

According to Article 7 of Decree 178/2024 of the Government, regulations on early retirement policy for cadres, civil servants, public employees, and people working under labor contracts in agencies, organizations, units and armed forces due to the reorganization of the apparatus and administrative units at all levels are as follows:

In case of having 2 to 5 years remaining to the retirement age prescribed in Decree 135/2020 and having enough working time with compulsory social insurance payment to receive pension according to the provisions of the law on social insurance, in addition to enjoying the retirement regime according to the provisions of the law on social insurance, they are also entitled to the following regimes:

No deduction from pension rate due to early retirement;

Receive a subsidy of 5 months of current salary for each year of early retirement compared to the prescribed retirement age; Receive a subsidy of 5 months of current salary for the first 20 years of work with compulsory social insurance contributions. From the 21st year onwards, for each year of work with compulsory social insurance contributions, a subsidy of 0.5 months of current salary will be provided.

Thus, for cadres, civil servants and employees working in state agencies who retire early due to organizational restructuring, their pension rate will not be deducted due to early retirement.