Cases of pension termination from July 1, 2025

According to Clause 2, Article 75 of the Law on Social Insurance 2024 (effective from July 1, 2025), the monthly pension and social insurance benefits will be terminated. Readers are invited to refer to the article below.

Cases of pension termination from July 1, 2025

The Social Insurance Law 2024 officially takes effect from July 1, 2025. According to Clause 2, Article 75 of the Social Insurance Law 2024, the monthly pension and social insurance allowance will be terminated for beneficiaries in one of the following cases:

(1) Died or declared dead by the Court;

(2) Refusal to receive monthly pension and social insurance benefits in writing;

(3) The conclusion of the competent authority on social insurance benefits is not in accordance with the provisions of law.

Note: The monthly pension and social insurance benefits of subjects whose pension is suspended and who die or are declared dead by the Court shall continue to be paid, including the monthly pension and social insurance benefits for the period not yet received, when falling into one of the following cases:

- Illegal immigrants return;

- There is a court decision to cancel the decision to declare missing or the decision to declare dead;

- The beneficiary's information cannot be verified.

In addition, monthly pensions and social insurance benefits of subjects who refuse to receive monthly pensions and social insurance benefits shall continue to be paid from the time the social insurance agency receives the written request to receive monthly pensions and social insurance benefits again, and shall not include monthly pensions and social insurance benefits for the period not yet received due to refusal to receive them.

If a pensioner or monthly social insurance beneficiary has not received the pension or benefit for a period of time before his/her death, his/her relatives will receive the pension or benefit for the months not yet received.

Monthly pension for compulsory social insurance participants from July 1, 2025

The monthly pension level for compulsory social insurance (SI) participants from July 1, 2025 is stipulated in Article 66 of the Social Insurance Law 2024 as follows:

- The monthly pension level of eligible subjects specified in Article 64 of the Law on Social Insurance 2024 is calculated as follows:

+ For female employees, it is 45% of the average salary used as the basis for social insurance contributions as prescribed in Article 72 of the Law on Social Insurance 2024, corresponding to 15 years of social insurance contributions, then for each additional year of contributions, an additional 2% is calculated, with a maximum of 75%;

+ For male employees, it is 45% of the average salary used as the basis for social insurance contributions as prescribed in Article 72 of the Social Insurance Law 2024, corresponding to 20 years of social insurance contributions, then for each additional year of contributions, an additional 2% is calculated, with a maximum of 75%.

In case male employees have paid social insurance for 15 years but less than 20 years, the monthly pension is equal to 40% of the average salary used as the basis for paying social insurance as prescribed in Article 72 of the Law on Social Insurance 2024 corresponding to 15 years of paying social insurance, then for each additional year of payment, 1% is added.

- The monthly pension level for workers in certain special occupations and jobs in the People's Armed Forces is prescribed by the Government. The funding source is from the state budget.

- The monthly pension of eligible subjects specified in Article 65 of the Law on Social Insurance 2024 is calculated as prescribed above, then for each year of retirement before the prescribed age, it is reduced by 2%.

In case of early retirement under 06 months, the pension percentage will not be reduced, from 06 months to less than 12 months, it will be reduced by 1%.

- The calculation of monthly pension of employees who are eligible for pension and have paid social insurance according to the provisions of international treaties to which the Socialist Republic of Vietnam is a member but have paid social insurance in Vietnam for less than 15 years, each year of payment during this period is calculated at 2.25% of the average salary used as the basis for paying social insurance as prescribed in Article 72 of the Law on Social Insurance 2024.

Source: https://baoquocte.vn/nhung-truong-hop-bi-cham-dut-huong-luong-huu-tu-ngay-172025-285128.html