Workers in Vietnam often concentrate and pay social insurance in big cities like Hanoi and Ho Chi Minh City, but when they no longer work here, can they withdraw their social insurance in one go in another province/city?
According to the instructions on procedures for settling one-time social insurance benefits in Decision 222/QD-BHXH in 2021, employees who need to receive one-time insurance payments need to submit their application to the social insurance agency where they reside (permanent or temporary).
Thanks to that, employees are allowed to receive social insurance in other provinces if they are residing outside the province where they register their permanent residence.
However, to be eligible for one-time social insurance benefits, employees must still meet one of the conditions specified in Article 60 and Article 77 of the 2014 Law on Social Insurance and Clause 1, Article 1 of Resolution 93/2015/QH13:
Firstly, after 1 year of leaving work or after 1 year of not continuing to participate in voluntary social insurance but the social insurance payment period is less than 20 years.
Second, reaching retirement age but not having paid social insurance for 20 years or female workers working as communal officials, civil servants, and part-time workers at the communal level reaching retirement age but not having paid social insurance for 15 years and not continuing to participate in voluntary social insurance.
Third, go abroad to settle down.
Fourth, having life-threatening diseases such as: Cancer, paralysis, cirrhosis, leprosy, severe tuberculosis, HIV infection that has progressed to AIDS and other diseases as prescribed by the Ministry of Health.
Fifth, soldiers and police officers who are demobilized, discharged, or quit their jobs are not eligible for pensions.
One-time social insurance benefit application
Pursuant to Article 109 of the 2014 Law on Social Insurance, the dossier for one-time social insurance benefits includes: Original copy of the Social Insurance Book; Application for one-time social insurance benefits of the employee (application according to form No. 14-HSB issued with Decision No. 166/QD-BHXH dated December 31, 2019 of Vietnam Social Insurance promulgating the procedure for settlement of social insurance and unemployment insurance benefits).
For those who go abroad to settle down, they must also submit a copy of the Certificate of the competent authority on the renunciation of Vietnamese nationality or a certified or notarized Vietnamese translation of one of the following documents: Passport issued by a foreign country; Visa issued by a competent foreign authority confirming permission to enter the country for the reason of settling down abroad; Document confirming the process of obtaining foreign nationality; Document confirming or permanent residence card, residence with a term of 5 years or more issued by a competent foreign authority.
In case of suffering from life-threatening diseases such as: Cancer, paralysis, cirrhosis, leprosy, severe tuberculosis, HIV infection that has progressed to AIDS stage, there must be an additional copy/summary of medical records showing the inability to take care of oneself; if suffering from other diseases, there must be a Record of assessment of the level of reduction of 81% or more of working capacity by the Medical Assessment Council (GYC) showing the inability to take care of oneself.
In case of payment of appraisal fee, there must be an invoice and receipt of appraisal fee collection along with the original list of appraisal contents of the appraisal facility.
Original copy of Personal Declaration on time and area of service in the Army with regional allowance (Form No. 04B - HBQP issued with Circular 136/2020/TT-BQP dated October 29, 2020) for those who served in the Army before January 1, 2007 in an area with regional allowance, the social insurance book code does not fully show the information used as a basis for calculating the regional allowance.
How to calculate one-time social insurance
Pursuant to Clause 4, Article 19, Circular 59/2015/TT-BLDTBXH, one-time social insurance benefits are paid based on the employee's time participating in social insurance and the average monthly salary (Mbqtl) for social insurance contributions.
The formula for calculating the one-time social insurance benefit is as follows: Benefit = (1.5 x Average monthly salary x Social insurance participation time before 2014) + (2 x Average monthly salary x Social insurance participation time from 2014)
Note, in case of less than one year of payment, the benefit level is equal to the amount paid, the maximum level is equal to 02 months of average salary. Odd social insurance participation time: from 1-6 months is calculated as 1/2 year; from 7-11 months is calculated as 1 year. The one-time social insurance benefit level does not include the amount of money the State supports for voluntary social insurance payment (Except in case of serious illness).
However, the average salary of employees will depend on whether the employee is paying social insurance according to the state coefficient or according to the salary level of the private employer.
For employees paying social insurance according to the state coefficient, the average salary level according to the state sector: Average salary level = Total monthly salary paying social insurance (coefficient x basic salary) of the last T years before leaving work / (T x 12 months)
Time to start participating in social insurance | Last number of years to calculate average salary for social insurance contribution (T) |
Before January 1, 1995 | 5 years |
From January 1, 1995 to December 31, 2000 | 6 years |
From January 1, 2001 to December 31, 2006 | 8 years |
From January 1, 2007 to December 31, 2015 | 10 years |
From January 1, 2016 to December 31, 2019 | 15 years |
From January 1, 2020 to December 31, 2024 | 20 years |
From January 1, 2025 | Total period of social insurance payment |
For employees subject to the salary regime decided by the employer: Average salary = Total monthly salary subject to social insurance payment/Total number of months subject to social insurance payment.
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