Answering this question, lawyer Nguyen Thu Trang, Deputy Director of Heva Law Company Limited, said that according to Article 23 of the 2024 Law on Social Insurance (effective from July 1, 2025), people receiving monthly allowances are Vietnamese citizens who meet the following conditions:
First, they have reached retirement age from July 1, 2025, specifically: male workers are 61 years and 3 months old, female workers are 56 years and 8 months old.
Second, having paid social insurance for a period but not meeting the conditions for enjoying a pension according to regulations.
Third, not yet old enough to receive social pension benefits as prescribed.
Fourth, employees who do not choose to enjoy one-time social insurance and do not preserve the paid time and have requests are entitled to monthly allowances from the social insurance contributions that the employee has participated in.
Based on Clause 6, Article 23 of the Social Insurance Law of 2024, people who are receiving monthly allowances are paid health insurance by the state budget.
Accordingly, people receiving allowances do not have to pay health insurance themselves and still have health insurance cards to use during medical examination and treatment according to the benefits and benefit levels of the card when unfortunately sick or ill.
This regulation ensures intercommunication and unity between social insurance and health insurance policies, helping social insurance participants continue to receive health care in the period when they are not eligible for pensions, limiting financial risks for medical examination and treatment in the context of increasing medical costs.
Dossier and deadline for settlement of monthly allowance benefits as follows:
According to Article 24 of the Social Insurance Law of 2024, dossiers requesting monthly allowance include:
SOCIAL INSURANCE BOOK;
Document requesting monthly allowance according to the prescribed form.
Within 05 working days from the date of receiving sufficient valid dossiers, the social insurance agency is responsible for resolving dossiers for employees. In case of non-resolution, the social insurance agency must respond in writing and clearly state the reasons.
Employees need to carefully review information about the time and level of social insurance contributions in the social insurance book to ensure that the dossier is accurate and complete, avoiding arising adjustments or supplements that prolong the resolution time.
Thus, citizens need to note that in cases where citizens have paid social insurance but are not eligible to receive pensions, they need to carefully research and carry out procedures to receive social allowances as analyzed above to avoid disadvantages.
