At the question-and-answer session with the Minister of Labor, Invalids and Social Affairs on the morning of June 6, many National Assembly deputies were concerned about the situation of one-time withdrawal of social insurance.
Questioning the Minister, delegate Tran Thi Dieu Thuy (HCMC delegation) said that recently the wave of insurance withdrawals has not only not decreased but has increased, especially recently when information about the amendment of the insurance law was announced.
Through understanding, the problem that workers are still concerned about is the insecurity with social insurance policies. They fear that the new policy will limit their autonomy and the low pension is not enough to live on. Delegates asked the Minister to give a solution to this problem?
National Assembly Delegate Tran Thi Dieu Thuy questioned.
Responding to the issue of one-time social insurance withdrawal, according to Minister Dung, before 2019, on average, about 500,000 people withdrew social insurance one time each year.
Currently, this number is 900,000 people withdrawing in a year. The number of people withdrawing social insurance at one time is almost equal to the number participating in the system. This is a risk and challenge for the future because in the future, many elderly people will not have a social security regime, and the social security policy system will find it difficult to sustainably handle it.
Mr. Dung said the reason for withdrawing insurance is due to difficult living conditions and income, the majority of people who withdraw social insurance at one time fall on workers, civil servants and public employees.
“The reason why the one-time withdrawal of social insurance has increased, I would like to say, is that no country has a mechanism for withdrawing social insurance as easily as Vietnam. Article 60 of the 2016 Law on Social Insurance is very humane. This is the assessment of an expert from the United Nations that we consulted. He said that Vietnam is too generous, including the issue of pension benefits at a rate of up to 75% and the issue of withdrawing social insurance at a time. According to international practice, countries only allow withdrawal of insurance when employees have a terminal illness or settle abroad,” the Minister informed.
According to Mr. Dung, withdrawing social insurance is a citizen's right and cannot be banned. The problem is how to make workers see more benefits and advantages so that they can withdraw and then join again when they have the conditions. The Minister said that in reality, currently, 1/3 of those who withdraw insurance return.
Minister Dao Ngoc Dung answers questions.
He also confirmed that recently there was an effect, when the draft Social Insurance Law was introduced, workers who thought they would not have the same benefits as now took the opportunity to withdraw their insurance.
However, he affirmed that the spirit of amending the Social Insurance Law focuses on not restricting, but increasing benefits for workers.
Pressing the debate button with Minister Dao Ngoc Dung, delegate Tran Thi Dieu Thuy stated that the Minister believes that one of the reasons why many people withdraw their social insurance at one time is propaganda work.
Basically agree with this opinion. However, delegate Dieu Thuy said that the desire of Ho Chi Minh City workers in particular is that the social insurance policy must be consistent and have long-term stability.
The delegate said that the workers' wish is to clarify their rights so that they can feel more secure and reconsider when they want to withdraw their social insurance at once.
Responding to the debate, Minister Dao Ngoc Dung stated that the most important reason is how to improve the living conditions of workers. In addition, recently, when information about policy changes was released, it led to workers massively withdrawing their social insurance at once.
The Minister believes that there are limitations here due to the lack of adequate information dissemination to workers. Therefore, if information dissemination is done well so that workers understand clearly, perhaps the level will not be as high as in the past.
Mr. Dung also said that it is necessary to consider the overall policies related to insurance. If we continue to pay for 20 years, workers will not be able to wait, especially in labor-intensive industries. The Ministry's view is to reduce it to 15 years or 10 years according to international practice, which means paying less and receiving less. In addition, the sharing principle has the principle of contribution and benefit and equality.
The head of the Ministry of Labor, Invalids and Social Affairs added that stopping the one-time withdrawal of insurance is a difficult issue, but there are regulations on conditions, which cases can be withdrawn, and the level of withdrawal. In the coming time, the National Assembly will consider and decide.
Scene of the questioning session on the morning of June 6.
Also debating with Minister Dao Ngoc Dung, delegate Le Thanh Phong (HCMC delegation) said that in response to the delegates, the Minister clearly stated that one of the reasons why employees withdraw social insurance at one time is due to the difficult situation of enterprises, the disruption of supply and demand causing many difficulties for employees.
The Minister also mentioned one of the solutions is to amend the Law on Social Insurance, tightening the rights of social insurance participants.
However, delegate Le Thanh Phong said that the fundamental solution to solve this situation is to solve the problem of workers being laid off or losing their jobs, making their lives difficult.
Speaking at the debate, delegate Nguyen Anh Tri (Hanoi delegation) said that the number of workers withdrawing social insurance at one time in recent times is very worrying. However, workers withdrawing social insurance at one time is often reluctant and their real wish, so it should be respected, but there must also be a solution to ensure the stability of this insurance fund.
Delegates agreed with the solution to ensure the rights of depositors and maintain the stability of the Fund.
To do this, delegate Tri suggested that we should consider a plan in the first 5 years where if the contributor withdraws, they will only be refunded the exact amount paid and gradually increase the benefits for the contributor in the following years .
Source
![[Photo] Prime Minister Pham Minh Chinh chairs Government Conference with localities on economic growth](https://vstatic.vietnam.vn/vietnam/resource/IMAGE/2025/2/21/f34583484f2643a2a2b72168a0d64baa)
Comment (0)