Repeating the purchase of social insurance books for workers in Binh Duong and Ho Chi Minh City
Binh Duong is a locality with a large concentration of workers. Previously, in 2020, the situation of purchasing social insurance books (SI) was rampant. Some subjects even set up a website impersonating a social insurance agency to advertise the purchase of social insurance books from employees.
After the authorities took action and criminally prosecuted some subjects, this activity subsided. However, in early 2025, activities with signs of violating the law began to operate again.
On social networks, there are many groups buying and selling social insurance books with thousands of members. The subjects posted information about purchasing and receiving social insurance books to mortgage to find workers to liquidate. On websites, the phone number of the buyer is already public to find customers.
The reporter contacted a phone number of Unit to buy and pledged the social insurance book. This person said that the acquisition or pledge of the social insurance book of the employee ended the contract from the end of 2024. Proposing to make friends via Zalo and then take a social insurance book and CCCD to check the status of the book and pricing. Even the social insurance book is overlapping the subjects will be purchased.
"Although the book is overlapped, the leaflets are also acquired. I will buy 50% or more. As long as the seller has CCCD, I receive liquidation and work with the social insurance agency.
Continuing to contact a social insurance book collection unit in Ho Chi Minh City, this person said that if they want to withdraw their social insurance book, employees are required to bring their insurance book and identification documents when meeting directly to complete the authorization procedures.
"Insurance trigger" affirmed: "This cannot be done online and each party receives the service will offer a different price, depending on the value of the social insurance book. The higher the value book, the difference - the greater the amount of" beneficiaries ".
In the case of employees who have participated in social insurance for about 6 years, the benefit level will be based on salary and insurance payment period. For example, if the salary for social insurance contributions ranges from 4-5 million VND/month, the amount that can be received when withdrawing the book is estimated at about 60-70 million VND.
However, if the insurance book has errors such as overlapping, the old employer has not closed the book, or has not fully completed the participation period, the amount of money received may be reduced, but this reduction will not be too large.
Preventing the act of purchasing social insurance books
In a recent move, Ho Chi Minh City Social Insurance also issued a warning about individuals taking advantage of employees' lack of knowledge, using images and logos of state agencies to advise, collect high fees and provide illegal social insurance purchase services.
Transactions are often published in the form of "the right to receive one-time social insurance". The employee signs an authorization letter with personal documents and social insurance books, then the buyer uses these documents to withdraw money at the social insurance agency.
Ho Chi Minh City Social Insurance stated that this is an behavior with many potential risks, not only for employees but also for those who buy social insurance books. Many cases of leaking personal information during the sale process will face the risk of being exploited for other illegal acts. On the buyer's side, the risk is not small when all social insurance benefits according to regulations belong to individual employees.
According to the Social Insurance Agency of Region IV - Binh Duong, previously, taking advantage of workers who had difficulty quitting their jobs, the subjects had bought and collected social insurance books.
The purchase price is only 40% - 50% of the actual value that employees are entitled to and pay cash immediately to employees, along with constraints and forced book sellers to complete authorization procedures to enjoy the regime for the subject.
In addition, there is a mortgage and mortgage of social insurance books, similar to the form of loans. The subjects will pricing the loan ranging from 40% - 50% of the book value, if the employee wants to redeem, he will also be interested by the mother interest, the child is difficult to pay and finally forced to sell the book for them. The above behaviors seem to be illicit profits on the sweating and profitability of the social insurance of the employee.
Talking to Lao Dong, Mr. Nguyen Duy Hieu - Deputy Director of the Social Insurance Agency of Region IV - Binh Duong also admitted that recently, social insurance book purchases have been bustling on social insurance book advertising on websites.
Regarding solutions to prevent the above acts, Mr. Nguyen Duy Hieu affirmed that in recent years, the Social Insurance agency has focused on propagating the benefits and harms of buying and selling social insurance books and the violation of the law when buying and selling social insurance books.
"We minimize the authorization of procedures for receiving social insurance. The application must be submitted to the correct person and must have a CCCD. Do not let the situation of 1 person receiving authorization from many people happen. If this case occurs, we will invite them to work to determine the cause," said Mr. Nguyen Duy Hieu.
Law violations may be prosecuted
The buying and selling of social insurance books not only causes losses to employees but is also a violation of the law. According to Decree 12/2022/ND-CP, false declaration related to social insurance records can be subject to an administrative fine of 1 - 2 million VND.
More seriously, according to Article 214 of the Penal Code, the act of forging social insurance records to appropriate money from 10 - under 100 million VND can be punished with imprisonment from 3 months to 2 years. The fine increases if you appropriate from 100 million - under 500 million VND, you can be imprisoned for 1-5 years.
In fact, because the authorization documents can be issued very methodically, it is difficult for the Social Insurance agency to distinguish between real and fake if there are no clear signs. However, if one person is found to have completed social insurance procedures for many others, the authorities can transfer the case to the investigation agency to clarify signs of buying and selling, taking advantage of the policy.
Withdrawing social insurance at one time is a temporary solution to difficulties, but it brings long-term consequences. Workers lose their rights to protection when they are old, causing pressure on the social security system.
In the context of many workers falling into a situation of deprivation, propaganda, raising legal awareness and timely support from social security policies will be the key to preventing the situation of early sale of social insurance books - an act that seems beneficial in the short term but causes long-term damage.
