Người từ 60 tuổi sẽ nhận được những chế độ, trợ cấp gì năm 2025?

Luật Bảo hiểm xã hội 2024 có hiệu lực từ ngày 1/7/2025 đã xây dựng hệ thống bảo hiểm xã hội đa tầng bao gồm: ; bảo hiểm xã hội bắt buộc và bảo hiểm xã hội tự nguyện; bảo hiểm hưu trí bổ sung để hướng tới bao phủ toàn dân.

Người đủ điều kiện hưởng lương hưu

Người lao động bảo đảm điều kiện về thời gian đóng bảo hiểm xã hội theo quy định của pháp luật về được hưởng lương hưu khi đủ tuổi nghỉ hưu.

Tuổi nghỉ hưu của người lao động trong điều kiện lao động bình thường được điều chỉnh theo lộ trình theo Luật Lao động năm 2019. Như vậy, tuổi nghỉ hưu trong năm 2025 của lao động nam trong điều kiện làm việc bình thường là 61 tuổi 3 tháng, lao động nữ là 56 tuổi 8 tháng.

In some cases, the retirement age for workers may be lower than the prescribed retirement age.

Monthly allowance

The 2024 Social Insurance Law also stipulates provisions for workers who do not meet the eligibility requirements for a pension and have not yet reached the age to receive social retirement benefits.

According to the draft Decree detailing and guiding the implementation of some articles of the 2024 Social Insurance Law on compulsory social insurance, beneficiaries are Vietnamese citizens who have reached retirement age, have contributed to social insurance, but do not meet the minimum retirement period requirements (15 years), and are not yet eligible for social retirement benefits (70-75 years old).

To be eligible for this benefit, the beneficiary must not have received a lump-sum social insurance payment and must not have preserved their social insurance contribution period, but must request to receive a monthly allowance.

The duration and amount of monthly benefits are determined based on the length of their contribution period and the average salary used as the basis for social insurance contributions.

The duration and amount of monthly benefits are determined based on the employee's social insurance contribution period and contribution basis. The minimum monthly benefit is equal to the social retirement benefit.

During this period of receiving monthly benefits, workers also receive additional benefits such as free social insurance and funeral expenses upon death, similar to a retirement pension scheme.

From the age of 70 onwards, people are entitled to social retirement benefits.

Social retirement benefits, as stipulated in the 2024 Social Insurance Law, are a type of social insurance guaranteed by the State budget, built on the basis of inheriting and developing in part the regulations on monthly social allowances for the elderly.

Specifically, the Law stipulates that the age for receiving social retirement benefits is 5 years lower than the current age for receiving monthly social benefits for the elderly (80 years old).

Based on Article 21 of the Social Insurance Law of 2024, Vietnamese citizens are entitled to social retirement benefits when they meet the following conditions: They are 75 years of age or older; they do not receive a monthly pension or social insurance benefit, except in cases otherwise stipulated by the Government; and they submit a written request for social retirement benefits.

Vietnamese citizens aged 70 to under 75 who belong to poor or near-poor households and meet the eligibility criteria are entitled to social retirement benefits.

The monthly social retirement allowance is determined by the Government, in accordance with the socio-economic development conditions and the capacity of the State budget in each period.

Every three years, the Government reviews and considers adjusting the level of social retirement benefits. Depending on socio-economic conditions, budget balancing capacity, and mobilization of social resources, the People's Committee at the provincial level submits to the People's Council at the same level a proposal to provide additional support to recipients of social retirement benefits.

Notably, individuals who are eligible for both a social retirement pension and a monthly social allowance are entitled to a higher allowance.

During their retirement benefits, they have their health insurance covered by the State budget. Upon their death, the organization or individual responsible for the funeral receives funeral expense support as stipulated by the law on the elderly.

The law also stipulates that the Standing Committee of the National Assembly shall decide on gradually reducing the age for receiving social retirement benefits based on the Government's proposal, in accordance with the socio-economic development conditions and the State budget capacity of each period.

Hoa Le