The situation of many workers withdrawing social insurance at one time was raised by many National Assembly deputies at the 5th Session of the 15th National Assembly. To overcome this situation, according to Minister of Labor, War Invalids and Social Affairs Dao Ngoc Dung, it is necessary to avoid cases where due to extreme difficulties, workers have to withdraw social insurance at one time instead of continuing to participate to receive pensions, affecting the sustainability of the social security policy system.

Employees can reserve social insurance payment period instead of withdrawing social insurance at one time.

Delegate Tran Thi Dieu Thuy (National Assembly Delegation of Ho Chi Minh City) raised the issue that the workers' desire is that the social insurance policy must be consistent and have long-term stability. If this factor is not ensured, the social insurance policy will be different, leading to the workers' insecurity, they have to calculate and consider withdrawing social insurance at one time. Some National Assembly delegates said that there is also a difference in the pension rate between women and men. Therefore, there needs to be a fundamental solution to the problem of young female workers withdrawing social insurance at one time because, in addition to the reason of not intending to continue working officially, it is also related to taking care of young children.

Sharing about this issue, Minister Dao Ngoc Dung emphasized that if the situation of withdrawing social insurance at one time is not limited, it will be difficult for workers to ensure their lives when they retire. Regarding the reasons why workers choose to withdraw social insurance at one time, first of all, it is due to low income, difficulties, and need for money to cover expenses. Most of these cases fall on workers, mainly concentrated in the southern localities. Besides, the mechanism allowing to withdraw social insurance at one time in our country is quite easy. Experience from some countries shows that withdrawing social insurance at one time only applies to a few cases such as terminal illness or settling abroad.

It is necessary to recognize the reality that workers face many difficulties when facing risks due to job loss, unstable income while still having to pay for essential needs. Therefore, to overcome the situation of a large number of workers withdrawing social insurance at one time, the most important solution is to improve their income and ensure their lives. In addition, the time to pay social insurance to receive a minimum pension is 20 years. This is quite a long time, for ordinary workers to accumulate enough to qualify for this is not easy.

Currently, the amendment of the Law on Social Insurance is being implemented, in which, related policies will be comprehensively reviewed with the desire to create a better social security foundation for workers. One of the proposals of this amendment is to reduce the number of years of social insurance contributions to less than 15 years and possibly 10 years according to international practice. To ensure the principle of equal contribution and sharing, the social insurance contribution period is short, the small amount of contribution means the small pension.

It is also necessary to mention the important role of propaganda work so that workers understand their rights if they participate in social insurance. Especially the stable income that helps cover their living expenses when they retire. In fact, there are cases where workers are worried about changes in social insurance policies, affecting their rights, so they take advantage of the opportunity to withdraw money before new regulations are issued. This also affects the general psychology and distorts the nature of the problem. As affirmed by the leaders of the state management agency in this field, the spirit of amending the Social Insurance Law is to increase the rights of workers, not to limit their rights, and to develop different options to find the most effective solutions to practical problems.

MANH HUNG