Article 5 of Circular 11/2025/TT-BNV of the Ministry of Home Affairs (effective from July 1, 2025) specifically stipulates the time to receive pension for voluntary social insurance participants as follows:
(1) The pension of voluntary social insurance participants eligible for pension according to regulations is calculated from the first day of the month following the month eligible for pension.
(2) In case the social insurance participant continues to pay voluntary social insurance after meeting the prescribed pension eligibility period, the pension is the first day of the month following the month of suspension and a pension application is made.
(3) In case the voluntary social insurance participant is during the implementation of one of the methods of payment every 3 months, every 6 months, every 12 months or every once for many years in the future and is eligible for pension according to regulations and has a pension application, the pension application time is the first day of the month immediately following the eligible month and has a pension application.
(4) In case the voluntary social insurance participant has paid social insurance for 15 years or more, reaches the prescribed retirement age before July 1, 2025 and does not continue to pay voluntary social insurance from July 1, 2025, the pension will be received on July 1, 2025.
(5) In case the voluntary social insurance participant has paid voluntary social insurance for 20 years or more before January 1, 2021, is 60 years old for men, is 55 years old for women before the effective date of the Law on Social Insurance and does not continue to pay voluntary social insurance from July 1, 2025, the pension will be received on July 1, 2025.
(6) In case the voluntary social insurance participant makes a one-time payment for the remaining social insurance payment period according to regulations, the pension payment time is the first day of the month following the month of full payment for the remaining social insurance payment period.
(7) In case the date of birth and month of birth (only a year of birth) of the voluntary social insurance participant cannot be determined, the pension period will be calculated from the first day of the month following the month eligible for pension according to regulations. In which, the month of retirement age is determined on the basis of taking the 1st of the 1st lunar month of the year of birth as the basis for determining the age of voluntary social insurance participants.
