Workers choose to withdraw social insurance one time to solve difficulties

At a workshop to contribute opinions on the Draft Law on Social Insurance approached from the perspective of female workers’ rights, organized by the Vietnam General Confederation of Labor, the majority of delegates said that the Law on Social Insurance (amended) needs to create favorable conditions. conditions to support women, shorten the gap in social insurance benefits between women and men; increase the level of maternity benefits when giving birth…

 Female workers after the age of 40 find it difficult to hold on

Ms. Nguyen Thi Lan Huong – former Director of the Institute Institute of Labor Sciences and Social Affairs (Ministry of Labor, Invalids and Social Affairs) – commented that currently the social insurance law has not kept up with the reality of social life. Policy an sinh not covered Many groups of workers.

Ms. Huong believes that the Social Insurance Law must look ahead more than 20 years, so there needs to be more short-term benefits (sickness, work accidents and occupational diseases, maternity) to keep up. It is time to help female workers not withdraw social insurance in one lump sum when facing difficulties.

“In recent times, female workers have withdrawn social insurance in one lump sum at a higher rate than male workers, so if we do not provide timely support, in the future the labor rate will be higher than male workers. Women receive lower pensions than male workers,” Ms. Huong worried.

Ms. Truc Ly, representing workers in Ho Chi Minh City, shared that all workers want to enjoy good benefits and pensions when they retire. However, many people still do not see their rights when they are greedy Social insurance.

Currently, the majority of female workers who only work until age 4,550 have left the factory because of poor health and low work output… so they cannot stay in the city to continue working. work and participate in social insurance.

Therefore, they all choose to withdraw social insurance at once to return home to cover their living expenses and small businesses.

“The majority of my colleagues think that they cannot work until they are old enough to retire but want to return home before the age of 50. In addition, they also do not clearly understand the insurance policy and do not see their benefits while only seeing that the administrative procedures to enjoy the benefits are still complicated,” Ms. Ly said.

The delegates are Presidents of grassroots trade unions also said that because their income is too low and has no savings, many female workers choose to quit their jobs to withdraw social insurance at a time.

Expand maternity benefits to ensure security

Mr. Dinh Sy Phuc – Chairman of the Grassroots Trade Union of TKG TaeKwang Vina Company (Bien Hoa Industrial Park 2, Bien Hoa City) – said that the company currently has more than 33,000 workers. 86% of workers are women.

However, in recent times, many female workers have only paid social insurance for 4 or 5 months before giving birth, so according to the law, they are not entitled to maternity benefits.

“I recommend Female workers who pay social insurance for less than 6 months before giving birth will be entitled to maternity benefits based on the number of months paid, thus supporting them in difficult times,” Mr. Phuc commented.

Mr. Tran Van Trieu – Director of the Ho Chi Minh City Labor Confederation’s Legal Consulting Center – also stated clearly that the current Social Insurance Law still has shortcomings in its regulations on the issue of female workers returning to work earlier than their maternity leave.

“The Social Insurance Law stipulates that female employees are entitled to maternity benefits for 6 months. Maternity leave time is recorded as time participating in social insurance. If workers are forced to pay social insurance for 4 months, it means double payment time for social insurance, so it is very disadvantageous for female workers,” Mr. Trieu cited.

Mr. Ngo Duy Hieu – Vice Chairman of the Vietnam General Confederation of Labor said that according to the latest revised draft of the Social Insurance Law, which has been accepted and revised after first being discussed in the National Assembly, two plans for one-time withdrawal of social insurance are still maintained.

Option 1 divided into 2 groups.

Group 1 continues to withdraw one-time social insurance for employees participating in social insurance before the law takes effect (expected July 1, 2025).

Group 2Employees who participate in social insurance from the effective date of the law onwards are not allowed to withdraw social insurance again.

Option 2After 12 months, no If the employee is required to participate in compulsory social insurance and does not participate in voluntary social insurance and has paid social insurance for less than 20 years, the employee will be entitled to a partial allowance but not exceeding 50% of the total time paid. retirement and death fund.

The remaining social insurance payment period is reserved so that employees can continue to participate and enjoy social insurance benefits.