(QBĐT) - The Law on Social Insurance (SI) 2024 will officially take effect from July 1, 2025 with many new contents increasing the rights of employees, ensuring consistency and unity in the legal system. The law is expected to fundamentally resolve practical shortcomings, attract and "retain" employees in the insurance system. To clarify this issue, a reporter from Quang Binh Newspaper had an interview with Director of the Provincial Social Insurance, Tran Anh Tuan.
- Reporter: Could you please summarize the new points of the Social Insurance Law 2024?
- Mr. Tran Anh Tuan: The 2024 Social Insurance Law consists of 11 chapters and 141 articles, including 14 new key contents, including: Supplementing social pension benefits (TCHTXH), forming a multi-layered social insurance system. TCHTXH is built on the basis of inheriting and partly developing from the regulations on monthly social allowances for the elderly without pensions or monthly social insurance benefits, in which the age of receiving TCHTXH is reduced to 75 years old (currently 80 years old); for people in poor and near-poor households, the age is from 70 years old to under 75 years old.
The second new point is to supplement the monthly subsidy regime for employees who are not eligible for pension and are not old enough to receive social insurance. Accordingly, Vietnamese citizens who are old enough to retire but do not have enough time to pay for pension (not enough 15 years of payment) and are not old enough to receive social insurance (not old enough to receive 75 years old), if they do not receive one-time social insurance and do not reserve it, but have a request, will receive a monthly subsidy from their own contributions. During the period of receiving monthly subsidy, the state budget will pay for health insurance.
The third new point is to expand the subjects participating in compulsory social insurance to business owners of registered business households; part-time workers at the commune, village, and residential group levels; part-time employees; business managers, and cooperative managers who do not receive salaries.
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Some other new points include: Adding the right to enjoy sickness and maternity benefits for part-time workers at the commune level; adding maternity benefits to the voluntary social insurance policy; paying social insurance for at least 15 years will be entitled to pension; encouraging employees to reserve their payment period to receive pension instead of receiving social insurance in one go; ensuring the right to participate in and enjoy social insurance for Vietnamese workers working abroad and foreign workers working in Vietnam; improving the efficiency of investment in the Social Insurance Fund; adding regulations on supplementary pension insurance.
In addition, the 2024 Social Insurance Law also has new points on specific regulations on "reference level" instead of "basic salary"; management of social insurance collection and payment; electronic transactions in the field of social insurance; amending and supplementing regulations of social insurance regimes to be more suitable to reality, better ensuring the rights of employees...
- Reporter: The 2024 Social Insurance Law stipulates a reduction in the minimum social insurance payment period from 20 years to 15 years. Could you tell us what benefits this will bring to participants?
- Mr. Tran Anh Tuan: Reducing the minimum social insurance payment period from 20 years to 15 years will bring many practical benefits to participants, first of all increasing the opportunity to receive a pension; creating opportunities for those who start participating in social insurance late (those who start participating at 45-47 years old, participate intermittently or do special jobs with a short working time, leading to not having accumulated enough 20 years of social insurance payment when reaching retirement age) to also have the opportunity to receive a monthly pension and be guaranteed health insurance.
This regulation also contributes to reducing the number of people receiving one-time social insurance benefits due to eligibility for pension. Employees with a longer period of social insurance contributions are still entitled to pension benefits at a higher rate, unchanged from current regulations.
- Reporter: The law officially takes effect from July 1, 2025. So what solutions does the provincial Social Insurance have to effectively develop voluntary social insurance participants in the coming time, sir?
- Mr. Tran Anh Tuan: To increase the rate of voluntary social insurance participants, in the coming time, the provincial Social Insurance will focus on a number of specific solutions, in which the focus is on promoting propaganda work and raising people's awareness. To improve propaganda effectiveness, the unit will build a diverse communication strategy through the use of media, such as: Newspapers, television, social networks, leaflets, loudspeakers in communes/wards; organize propaganda conferences, combined with direct consultation.
In addition to promoting the role of the social insurance collection service system: Improving the capacity of collection staff, expanding social insurance collection points convenient for people, building an effective communication and mobilization model at the local level is considered an effective solution to increase the number of people participating in voluntary social insurance. Some effective communication models need to be replicated, such as: "Commune with 100% of people participating in health insurance" in Quang Ninh district, "Farmer and women's association members participating in voluntary social insurance, health insurance" ...
Taking advantage of the leadership and direction of Party committees and authorities at all levels, the Steering Committee for the development of social insurance, health insurance and unemployment insurance participants at the commune level reviewed and made a list of people who have not participated in order to have solutions to mobilize them, and at the same time advised and proposed support policies from the local budget to reduce the financial burden on participants...
The synchronous implementation of the above solutions not only helps expand the number of people participating in voluntary social insurance but also makes an important contribution to ensuring long-term social security for informal workers.
- Reporter: Thank you for the interview!
Tam An (performed)
Source: https://www.baoquangbinh.vn/phap-luat/202504/luat-bao-hiem-xa-hoi-nam-2024-va-nhung-diem-moi-2225671/
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