Different views of National Assembly delegates on the one-time withdrawal of social insurance

(Dan Tri) - One-time withdrawal of social insurance is still an issue that receives much attention from National Assembly deputies when the revised Social Insurance Law project was discussed in the parliament on May 27.

The draft Law on Social Insurance proposes two options for withdrawing social insurance at one time. Option 1 remains the same as the current one, which is 12 months of not being subject to compulsory social insurance, not participating in voluntary social insurance and having paid social insurance for less than 20 years, then it can be withdrawn at one time. Option 2 is changed according to the instructions allowing employees to withdraw social insurance at one time but not more than 50% of the total time of paying insurance, the Pension Fund and the Death Fund, the remaining amount will be reserved and recorded in the social insurance book so that employees can continue to participate and enjoy the regime when they reach retirement age. Supplementing support mechanisms so that employees do not withdraw social insurance at one time. Expressing his opinion on this content, National Assembly delegate Nguyen Huu Thong (Binh Thuan) proposed integrating the two options to the National Assembly. Accordingly, employees who start participating in social insurance from July 1, 2025 will still be allowed to receive one-time social insurance according to a gradual reduction schedule and end in 2030. At the same time, additional conditions will be added in the direction of having a support mechanism, encouraging employees not to withdraw social insurance at one time.

National Assembly Delegate Nguyen Huu Thong (Photo: Hong Phong).

"This option will reduce the sudden increase in the number of people requesting one-time social insurance benefits before the law takes effect," said Mr. Thong. Moreover, such a regulation does not create a comparison between workers who participated before and after the Social Insurance Law (amended) took effect. According to Mr. Thong, such a regulation can reduce negative reactions from workers, along with a support mechanism, encouraging workers not to withdraw social insurance at one time, which will create consensus and support from workers. Delegate Nguyen Thi Viet Nga (Hai Duong) also proposed integrating and continuing to consider both options. "Both of these options are still not optimal options, because in reality in our country, many people really need a sum of money to cover and overcome immediate difficulties, so it is impossible to limit the withdrawal of one-time social insurance for those who participate in social insurance after this law takes effect like option 1," Ms. Nga analyzed. According to her, such a regulation could cause mixed reactions, even making many people feel like they are being pushed into a difficult position, leading to a loss of confidence in the insurance system. Meanwhile, if only option 2 is applied, many people who are participating in insurance will also feel their rights are limited, unfair and will massively withdraw their social insurance before this law takes effect.

National Assembly Delegate Nguyen Thi Viet Nga (Photo: Hong Phong).

She proposed a regulation in the direction that for employees who have paid social insurance before the effective date of this law, option 1 will be applied. As for those who participate in social insurance, after this law takes effect, option 2 will be applied, meaning that after 12 months of not being subject to compulsory social insurance, not participating in voluntary social insurance and having paid social insurance for less than 20 years, if they request, a part will be resolved but not more than 50% of the total time paid to the Pension and Death Fund. Proposing that employees can borrow credit with preferential interest rates. Delegate Nguyen Duy Thanh (Ca Mau) proposed that in order to limit the withdrawal of social insurance at one time, it is necessary to study a plan to support credit loans with preferential interest rates for employees who are really in difficulty and have confirmation from the enterprise with quick and convenient procedures. "Loan support should be based on the insurance payment period; the longer the period, the more loans can be borrowed. For example, if the average loan interest rate is 7-8%/year, workers can borrow at an interest rate of 2-3%/year," Mr. Thanh suggested.

National Assembly Delegate Nguyen Duy Thanh (Photo: Hong Phong).

Delegate Nguyen Thi Nhu Y (Dong Nai) said that option 1 has the advantage of ensuring the inheritance of the provisions of the current Law on Social Insurance, not creating social disruption, avoiding collective labor stoppage reactions that occurred in Article 60 of the Law on Social Insurance 2014. "In the long term, new participants will no longer enjoy one-time social insurance, so it contributes to increasing the number of people staying in the system to enjoy social insurance regimes from their own accumulation process, reducing the burden on society and the State budget, gradually reducing the paradox of workers enjoying one-time social insurance while still of working age", the female delegate analyzed. According to her, this option also correctly implements the principles of social insurance and ensures old-age security for workers. Like delegate Nguyen Duy Thanh, Ms. Nhu Y proposed having policies on preferential credit, vocational training, and career conversion to develop the labor market as well as minimize the situation of one-time withdrawal of social insurance, so that workers can enjoy retirement benefits.

National Assembly Delegate Pham Van Hoa (Photo: Hong Phong).

Delegate Pham Van Hoa (Dong Thap) pointed out the current situation that Vietnam is facing, which is that many people aged 35 and over are retiring. The reason, according to Mr. Hoa, is that businesses are "malnourished" and have stopped operating, so workers are retiring and often when workers are laid off, they have to withdraw their social insurance. Supporting option 1, Mr. Hoa suggested adding a regulation that the Social Policy Bank must lend to those who do not withdraw their social insurance at once but want to maintain it so that when they retire, they still have the loan amount to cover their living expenses. To facilitate and promote the democracy of the delegates, Mr. Hoa supported taking a vote on the two options for withdrawing social insurance at once.

Dantri.com.vn

Source: https://dantri.com.vn/xa-hoi/quan-diem-khac-nhau-cua-dai-bieu-quoc-hoi-ve-phuong-an-rut-bhxh-mot-lan-20240527142203862.htm