Circular No. 11/2025/TT-BNV details the provisions of the Social Insurance Law regarding voluntary social insurance, including participants, contribution levels, payment methods, and contribution periods for voluntary social insurance. This document takes effect from July 1, 2025.
Đối tượng áp dụng
["Workers who terminate mandatory social insurance contributions with less than six months of contributions remaining to meet the conditions for retirement pension", "Other agencies, organizations, and individuals related to voluntary social insurance"]
Các điểm cốt lõi
- "Workers who terminate mandatory social insurance contributions with less than six months of contributions remaining to meet the conditions for retirement pension" → may participate in voluntary social insurance at the contribution level, payment method, and contribution period specified in Article 3 of this Circular
- Participants in voluntary social insurance → are entitled to a retirement pension when they fall under one of the cases stipulated in Article 4 of this Circular
- The date of entitlement to a retirement pension for participants in voluntary social insurance who meet the conditions for a retirement pension → is calculated from the first day of the month immediately following the month in which the conditions for a retirement pension are met, as stipulated in Article 5 of this Circular
- Participants in voluntary social insurance who make a single payment for the remaining contribution period → the date of entitlement to a retirement pension is the first day of the month immediately following the month in which the full amount for the remaining contribution period is paid, as stipulated in Article 5, Clause 6
- In cases where the date of birth and month of birth cannot be determined (only the year of birth is known) → the date of entitlement to a retirement pension is calculated from the first day of the month immediately following the month in which the conditions for a retirement pension are met, as stipulated in Article 7
🌐 Tác động xã hội từ văn bản này
- "Workers who terminate mandatory social insurance contributions with less than six months of contributions remaining to meet the conditions for retirement pension" → may participate in voluntary social insurance, helping to ensure social security
- State management agencies and the Vietnam Social Security → are responsible for implementing this Circular, facilitating citizens' participation in voluntary social insurance
- Workers who terminate mandatory social insurance contributions with less than six months of contributions remaining to meet the conditions for retirement pension → must continue to contribute to voluntary social insurance, adding additional costs for citizens
❓ Câu hỏi thường gặp
Can workers who terminate mandatory social insurance contributions with less than six months of contributions remaining to meet the conditions for retirement pension participate in voluntary social insurance?
Yes, workers can participate in voluntary social insurance at the contribution level, payment method, and contribution period specified in Article 3 of this Circular.
When do participants in voluntary social insurance become eligible for a retirement pension?
Participants in voluntary social insurance are entitled to a retirement pension when they fall under one of the cases stipulated in Article 4 of this Circular.
What is the date of entitlement to a retirement pension for participants in voluntary social insurance who meet the conditions for a retirement pension?
The date of entitlement to a retirement pension for participants in voluntary social insurance who meet the conditions for a retirement pension → is calculated from the first day of the month immediately following the month in which the conditions for a retirement pension are met, as stipulated in Article 5 of this Circular.
When is the date of entitlement to a retirement pension for participants in voluntary social insurance who make a single payment for the remaining contribution period?
The date of entitlement to a retirement pension is the first day of the month immediately following the month in which the full amount for the remaining contribution period is paid, as stipulated in Article 5, Clause 6.
In cases where the date of birth and month of birth cannot be determined (only the year of birth is known), when is the date of entitlement to a retirement pension?
The date of entitlement to a retirement pension is calculated from the first day of the month immediately following the month in which the conditions for a retirement pension are met, as stipulated in Article 7.
Toàn văn
CIRCULAR
Detailed regulations on certain provisions of the Social Insurance Law regarding voluntary social insurance
concerning voluntary social insurance
________________
Pursuant to the Social Insurance Law on June 29, 2024;
Pursuant to the Government Decree No. 25/2025/NĐ-CP dated February 21, 2025 stipulating the functions, tasks, powers, and organizational structure of the Ministry of Home Affairs;
Pursuant to Decree No. 159/2025/NĐ-CP dated June 25, 2025 of the Government detailing and guiding the implementation of certain provisions of the Social Insurance Law regarding voluntary social insurance;
At the proposal of the Director of the Wages and Social Insurance Department;
The Minister of Home Affairs issues this Circular detailing certain provisions of the Social Insurance Law regarding voluntary social insurance.
Article 1. Scope of Regulation
This Circular details Clause 8 Article 33, Clause 4 Article 101 of the Social Insurance Law and Clause 4 Article 13 of Decree No. 159/2025/NĐ-CP dated June 25, 2025 of the Government detailing and guiding the implementation of certain provisions of the Social Insurance Law regarding voluntary social insurance.
Article 2. Applicability
1. Persons participating in voluntary social insurance as stipulated in Article 3 of Decree No. 159/2025/NĐ-CP dated June 25, 2025 of the Government detailing and guiding the implementation of certain provisions of the Social Insurance Law regarding voluntary social insurance.
2. Agencies, organizations, and other individuals related to voluntary social insurance.
Article 3. Contribution level, contribution method, and contribution period for voluntary social insurance of workers who cease mandatory social insurance contributions with less than six months remaining to meet the conditions for retirement pension
Workers who cease mandatory social insurance contributions with less than six months remaining to meet the conditions for retirement pension have the right to continue contributing to voluntary social insurance at the contribution levels, methods, and periods specified as follows:
1. The contribution level shall be implemented according to Clause 1 Article 36 of the Social Insurance Law.
2. The contribution method shall be implemented according to Clause 2 Article 36 of the Social Insurance Law, Article 6 and Article 7 of Decree No. 159/2025/NĐ-CP dated June 25, 2025 of the Government detailing and guiding the implementation of certain provisions of the Social Insurance Law regarding voluntary social insurance.
3. The contribution period shall be implemented according to Clause 3 Article 36 of the Social Insurance Law.
Article 4. Conditions for receiving retirement pension
Participants in voluntary social insurance are entitled to receive retirement pension when they fall under one of the following circumstances:
1. Meeting the conditions for receiving retirement pension as stipulated in Article 98 of the Social Insurance Law.
2. Meeting the conditions for receiving retirement pension as stipulated in Clause 9 Article 141 of the Social Insurance Law.
Article 5. Time of receiving retirement pension
1. The time of receiving retirement pension for participants in voluntary social insurance meeting the conditions for receiving retirement pension as stipulated in Article 4 of this Circular shall be calculated from the first day of the month immediately following the month in which the conditions for receiving retirement pension are met.
2. In cases where participants in voluntary social insurance continue to contribute to voluntary social insurance after meeting the conditions for receiving retirement pension as stipulated in Article 4 of this Circular and request to receive retirement pension, the time of receiving retirement pension shall be the first day of the month immediately following the month in which contributions cease and the request for retirement pension is made.
3. In cases where participants in voluntary social insurance are currently implementing one of the contribution methods of every three months, every six months, annually, or in one lump sum for future years as stipulated in Points b, c, d, and Point e Clause 2 Article 36 of the Social Insurance Law and meet the conditions for receiving retirement pension as stipulated in Article 4 of this Circular and request to receive retirement pension, the time of receiving retirement pension shall be the first day of the month immediately following the month in which the conditions for receiving retirement pension are met and the request for retirement pension is made.
4. In cases where participants in voluntary social insurance have contributed to social insurance for at least fifteen years, reach the retirement age as stipulated in Clause 2 Article 169 of the Labor Code before the effective date of the Social Insurance Law, and do not continue to contribute to voluntary social insurance from July 1, 2025, the time of receiving retirement pension shall be the effective date of the Social Insurance Law.
5. In cases where participants in voluntary social insurance prior to January 1, 2021 have contributed to voluntary social insurance for at least twenty years, reach sixty years of age for males and fifty-five years of age for females before the effective date of the Social Insurance Law, and do not continue to contribute to voluntary social insurance from July 1, 2025, the time of receiving retirement pension shall be the effective date of the Social Insurance Law.
6. In cases where participants in voluntary social insurance pay in one lump sum for the remaining contribution period as stipulated in Point e Clause 2 Article 36 of the Social Insurance Law and Article 7 of Decree No. 159/2025/NĐ-CP dated June 25, 2025 of the Government detailing and guiding the implementation of certain provisions of the Social Insurance Law regarding voluntary social insurance, the time of receiving retirement pension shall be the first day of the month immediately following the month in which the full payment for the remaining contribution period is made.
7. In cases where the date of birth cannot be determined (only the year of birth is known) for participants in voluntary social insurance, the time of receiving retirement pension shall be calculated from the first day of the month immediately following the month in which the conditions for receiving retirement pension are met as stipulated in Article 4 of this Circular. In such cases, the month of reaching retirement age shall be determined based on taking January 1 of the year of birth as the basis for determining the age of the participant in voluntary social insurance.
Article 6. Effectiveness
1. This Circular takes effect from July 1, 2025.
2. Circular No. 01/2016/TT-BLDTBXH dated February 18, 2016 of the Minister of Labor, Invalids, and Social Affairs detailing and guiding the implementation of certain provisions of the Social Insurance Law regarding voluntary social insurance shall cease to be effective from the date this Circular takes effect.
Article 7. Responsibility for Implementation
1. Provincial People's Committees directly under the Central Government shall be responsible for directing the Provincial Departments of Home Affairs and relevant agencies to inspect and urge the implementation of this Circular.
2. The Vietnam Social Security is responsible for implementing this Circular.
3. During the implementation process, if there are any difficulties, please report to the Ministry of Home Affairs for guidance and resolution./.
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