Detailed regulations on pension levels from July 2025

The Lao Dong Newspaper Legal Consulting Office replied:

Article 13 of Decree 158/2025/ND-CP (effective from July 1, 2025) stipulates the monthly pension level as follows:

The monthly pension level is implemented according to the provisions of Article 66 of the Law on Social Insurance and is specified in detail as follows:

1. The monthly pension of employees is calculated by multiplying the monthly pension rate by the average salary used as the basis for social insurance payment prescribed in Article 72 of the Law on Social Insurance.

Subjects specified in Points a, b, c, d, dd, g and i, Clause 1, Article 2 of the Law on Social Insurance who participated in social insurance before July 1, 2025 and have paid compulsory social insurance for these subjects for 20 years or more when calculating the monthly pension lower than the reference level will be calculated at the reference level.

2. The age limit for calculating the number of years of early retirement as a basis for calculating the pension rate prescribed in Clause 3, Article 66 of the Law on Social Insurance is determined as follows:

a) Employees in normal working conditions shall set the age according to Point a, Clause 1, Article 64 of the Law on Social Insurance;

b) Employees with a total period of compulsory social insurance payment of 15 years or more when working in a heavy, toxic, dangerous or especially heavy, toxic, dangerous job or job on the list of heavy, toxic, dangerous or especially heavy, toxic, dangerous jobs or working in an area with particularly difficult socio-economic conditions, including working time in a place with a regional allowance coefficient of 0.7 or higher before January 1, 2021, shall be given the age mark according to Point b, Clause 1, Article 64 of the Law on Social Insurance;

c) Employees who have worked in underground coal mining for 15 years or more shall be given the age mark according to Point c, Clause 1, Article 64 of the Law on Social Insurance.

Thus, from July 2025, the pension benefit level will be implemented as above.