Circular No. 130/2015/TT-BTC amends and supplements Circular No. 115/2013/TT-BTC of the Ministry of Finance on retirement insurance and voluntary retirement funds. This document stipulates the age to start receiving retirement insurance benefits, conditions allowing Vietnamese citizens to legally reside abroad, and the right to be trained and certified for completion of courses on voluntary retirement insurance products.
적용 범위
Insured party, insured person (Vietnamese citizen), insurance company
핵심 사항
- The insured person (Vietnamese citizen) begins to receive retirement insurance benefits at the age of fifty-five for women and sixty for men, but not lower than the statutory retirement age as prescribed by law.
- Vietnamese citizens may be permitted by competent authorities to legally reside abroad.
- The insured person has the right to be trained and certified for completion of courses on voluntary retirement insurance products by the insurance company.
🌐 이 문서의 사회적 영향
- Positive impact: Citizens have additional opportunities to legally reside abroad, increasing their benefits when participating in retirement insurance.
- Negative impact: It may impose training cost burdens on insurance companies.
❓ 자주 묻는 질문
What is the age to start receiving retirement insurance benefits?
The insured person begins to receive retirement insurance benefits at the age of fifty-five for women and sixty for men, but not lower than the statutory retirement age as prescribed by law.
How can Vietnamese citizens legally reside abroad?
Vietnamese citizens are permitted by competent authorities to legally reside abroad.
What rights does the insured person have when participating in voluntary retirement insurance?
The insured person has the right to be trained and certified for completion of courses on voluntary retirement insurance products by the insurance company.
When does this circular take effect?
This circular takes effect from October 10, 2015.
What are the conditions for the insured person to receive retirement insurance benefits?
The insured person begins to receive retirement insurance benefits upon reaching the age agreed upon in the insurance contract, but not less than fifty-five years old for women and sixty years old for men, unless there are different provisions regarding the retirement age under other legal documents, in which case those provisions shall apply.
전문
CIRCULAR
AMENDMENTS AND SUPPLEMENTS TO CIRCULAR NO. 115/2013/TT-BTC DATED AUGUST 20, 2013 OF THE MINISTRY OF FINANCE GUIDING PENSION INSURANCE AND VOLUNTARY PENSION FUNDS
Pursuant to the Law on Insurance Business No. 24/2000/QH10 dated December 9, 2000;
Pursuant to the Law Amending and Supplementing Certain Provisions of the Insurance Business Law No. 61/2010/QH12 dated November 24, 2010;
Pursuant to Decree No.45/2007/NĐ-CP dated March 27, 2007 of the Government guiding the implementation of certain provisions of the Law on Insurance Business;
Pursuant to Decree No.215/2013/NĐ-CPdated December 23, 2013 of the Government stipulating the functions, tasks, powers, and organizational structure of the Ministry of Finance;
At the proposal of the Director of the Insurance Management and Supervision Department,
The Minister of Finance promulgates this Circular amending and supplementing Circular No. 115/2013/TT-BTC dated August 20, 2013 of the Ministry of Finance guiding pension insurance and voluntary pension funds.
Article 1. Amend and supplement some articles of Circular No. 115/2013/TT-BTC
1. Amend and supplement Clause 3 of Article 2 as follows:
“3. Based on the premium paid by the policyholder, the insured person begins to receive pension insurance benefits when reaching the age agreed upon in the insurance contract, but not less than 55 (fifty-five) years old for women and 60 (sixty) years old for men, unless there are different retirement age regulations stipulated in other legal documents.”
2. Supplement Clause 3 of Article 14 as follows:
“3. The insured person is a Vietnamese citizen who has been permitted by the competent authority to reside legally abroad.”
3. Amendmentpoint c Clause 1 of Article 25 as follows:
“c) Having been trained and certified by the insurance company as having completed a course on voluntary pension insurance products.”
Article 2. Implementation
1. This Circular takes effect from October 10, 2015.
2. Any difficulties encountered during implementation should be promptly reported to the Ministry of Finance for consideration and resolution.
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