I lost nearly 15 million VND immediately
The social network Facebook is full of associations and groups buy and sell social insurance first Limited “support for one-time withdrawal of social insurance money… Here, there is a public collection and purchase of social insurance books.
“Helloem Support for receiving social insurance before maturity. Southern regionemployees leave before November 2022. The Northern and Central regions will have a labor break before October 2022. Receiving a book with a social insurance payment period of 3-5 years with a chip-attached citizen identification card is an invitation from a subject.
In addition, many workers also ask about the process of liquidating the book. Social insurance and procedures. Also from these difficult times, Ms. N.T.L. in Long An) thought of selling “young rice”.
Once worked at a company in District 1 (HCMC), Ms. N.T.L. She has paid social insurance for 3 years and 3 months. According to her calculations, if she receives social insurance at least once, she will receive about 30 million VND. However, the person who collects the book reports a fee of about 50% of the amount she can actually receive.
< p>I went online to ask for sale how much money will the social insurance book get, most of the contacts quote about 13-14 million VND” Ms. N.T.L. said.
Because she needs money to make ends meet, Ms. L. has to consider whether or not she should sell her social insurance book. If she doesn’t sell her social insurance book, she will no longer have any source of money to pay the expenses for the family.
Another case in Hung Yên was due to the sister wanting to withdraw one-time social insurance earlier than prescribed, so Ms. N.T.G. Look for relevant groups to ask questions. This sister has 6 years and 11 months participating in social insurance. After quitting her job, the social insurance agency closed the book for her in February. Because her sister switched to freelance work, N.T.G. Thinking about “liquidating” the social insurance book.
After contacting the person named Nhu Ly, they instructed to sell the social insurance book by making a power of attorney for the buyer to receive one-time social insurance. Before that, you must provide full personal information, address of the unit, work history, two-sided citizen identification card, photo of social insurance book and information about the participation process.
However, the amount of money the employee receives receive only about 50% of the actual one-time social insurance payment. Because she did not meet directly with Ms. N.T.G. Fearful of falling into a scam trap, he abandoned this idea.
According to Vietnam Social Insurance, social insurance books are documents that record the process join insurance of employees as a basis for resolving benefits. This is not property, so according to the Penal Code, it is not allowed to buy and sell or mortgage social insurance books.
However, the current authorization to receive pensions and social insurance benefits causes many people to take advantage of it to entice workers. Buying and selling social insurance books with authorization to receive benefits to withdraw a lump sum to enjoy the difference.
The situation of buying and selling social insurance books is common in localities with large industrial zones with a large concentration of workers. In many cases, the amount of money received is only 20-30% of the one-time social insurance amount paid by the social insurance agency.
Recently, Vietnam Social Security has directed social insurance agencies in provinces and cities. In receiving appraisal dossiers, carefully review when encountering authorized dossiers and request settlement for the second person onwards.
Previously, Vietnam Social Insurance also sent an Official Dispatch to the Department of Cyber Security and Crime prevention using high technology (Ministry of Public Security) requests to step in to help strictly handle the above activities and take measures to strictly handle the acts of purchasing social insurance books by associations and groups.
5 disadvantages when withdrawing social insurance one time
According to Vietnam Social Insurance, workers withdrawing social insurance one time not only causes great disadvantages in terms of their own benefits but also creates negative consequences. for an sinh national society as our country’s population is starting to age. Workers’ benefits will be much more limited than pensions.
First workers are no longer in the system. The social insurance system is protected by the State, losing the opportunity to enjoy a monthly pension – a stable and useful source of income in old age.
If participants in social insurance receive a pension, the pension level will be adjusted. periodically according to the consumer price index and economic growth.
Second employees lose the opportunity to receive free health insurance cards during their pension period to enjoy their rights. Benefits of medical examination and treatment, health insurance, health care in old age.
Third relatives of workers are not entitled to death benefits when the worker unfortunately passes away. life. Because if the pensioner unfortunately dies, the person taking care of the funeral will receive a one-time funeral allowance equal to 10 times the base salary in the month the pensioner died and the relatives will receive a daily death allowance. month or once.
Fourth the amount of money the employee receives in a lump sum of social insurance is worse than the amount paid into the Social Insurance Fund. According to current regulations, the total social insurance contribution to the survivorship pension fund is 22% of the employee’s monthly salary as the basis for social insurance payment. In which the employee pays 8% and the employer pays 14% of the total annual social insurance fund contribution equal to 264 months’ salary.
If the employee receives one-time social insurance, the benefit level is Each year of social insurance payment is only equal to 15 months of the average monthly salary paid for the years paid before 2014 and equal to 2 months of the average monthly salary paid for insurance for the years paid from 2014 onwards.
Thus, if employees receive social insurance in one lump sum, they will lose about 114 months’ salary for each year of insurance payment before 2014 and about 064 months’ salary for each year of insurance participation after 2014.
< strong>Fifth when not withdrawing a lump sum from social insurance, the amount of money paid into the Social Insurance Fund is a precious “savings” of the employee. It is not lost, but on the contrary, it is still managed by the social insurance agency. management and growth investment.
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