Bringing new points of the Social Insurance Law into life

The Social Insurance sector strengthens communication of new points of the Social Insurance Law (amended).

Since the beginning of May 2025, the Sam Son - Hoang Hoa Inter-District Social Insurance (now Sam Son Social Insurance) has deployed new points of the Social Insurance Law to all collection agents and staff working in the industry. In addition to disseminating new points of the law, social insurance collection agents are also instructed on how to approach and communicate in a way that is close and easy to understand so that people can easily receive the information when transmitting. In order for the Social Insurance Law to be deployed at the right time to take effect, the social insurance industry has proactively coordinated with other sectors to organize a peak month to launch propaganda and disseminate the Social Insurance Law to all classes of people. Ms. Nguyen Thi Lien, a social insurance collection agent in Hoang Hoa commune, said: "To do a good job of communication, collection agents have been trained on the new Social Insurance Law to disseminate to all classes of people, helping people understand the new changes of the Social Insurance Law".

Ms. Nguyen Thi Mai, Hoang Hoa commune, said: "I do business all year round from morning to night, rarely taking a break from selling. When I heard the news that small businesses will participate in compulsory social insurance, I thought that no one can predict the events in life, so participating in social insurance is a way to prevent risks, especially when you get old."

Talking with Deputy Director of the Provincial Social Insurance Vu Nguyen Hiep, it is known that social security policies are always a solid foundation, bringing a more stable future to the people. The Social Insurance Law 2024 (effective from July 1, 2025) expands the scope of participation in compulsory social insurance to many groups of subjects, including individual business owners. Accordingly, business owners of business households registered for business according to Government regulations are subjects participating in compulsory social insurance. The compulsory social insurance contribution rate is 3% to the sickness and maternity fund, 22% to the retirement and death fund. Regarding the basis for contribution, business owners can choose their salary as the basis for compulsory social insurance contribution, but the lowest is equal to the reference level and the highest is 20 times the reference level at the time of contribution. Therefore, the monthly contribution level of business owners participating in social insurance is 25% of the basic salary; Household owners can choose to pay monthly, every 3 months or every 6 months depending on their needs. Currently, the basic salary is 2,340,000 VND/month, so the lowest social insurance contribution for business owners is 25% x 2,340,000 VND = 585,000 VND/month.

In order to increase the benefits and attractiveness of the policy, the 2024 Social Insurance Law stipulates a reduction from 20 years to 15 years of minimum social insurance contributions to receive a monthly pension. This creates opportunities for late or intermittent participants to still accumulate enough years of contributions to receive a pension instead of having to receive social insurance in one lump sum. Notably, the law has added a social pension policy. This is a new breakthrough to form a multi-layered social insurance system. The age of receiving social pension benefits has been reduced to 75 years old (currently 80 years old). In particular, people from poor and near-poor households from 70 years old to under 75 years old will receive this benefit.

For the first time, the Social Insurance Law 2024 stipulates maternity benefits for voluntary social insurance. Accordingly, a mother or father participating in voluntary social insurance who gives birth (if meeting the requirements for social insurance payment period of 6 months or more within 12 months before birth) will receive a maternity allowance of 2,000,000 VND for each child... Notably, the Social Insurance Law (amended) this time has taken into account the contribution-benefit relationship to improve the financial situation of the pension and death benefit fund. On the other hand, the Social Insurance Law (amended) also completes many policies that are beneficial to employees, especially increasing benefits for sickness, maternity, retirement, and death benefits... For employees with diseases that are on the list of diseases requiring long-term treatment, the subsidy level will be increased from 45% to 50% of the salary for social insurance contributions of the month immediately preceding the leave of absence... Another notable point is that the Social Insurance Law 2024 has strengthened sanctions for late payment and evasion of social insurance and unemployment insurance; and added prohibited acts such as pledging, buying, selling, mortgaging, and depositing social insurance books in any form. This provision aims to protect the legitimate rights of employees and the strictness of social insurance laws.

Fully aware of the profound and positive changes of the Social Insurance Law 2024 on policy implementation, in recent times, the provincial Social Insurance has proactively prepared and implemented many synchronous solutions to soon bring the law into life. Along with that, to meet the requirements of changes in the new regime, policies and organizational structure, the Social Insurance has focused on researching, amending and supplementing business processes throughout the system. The processes have been reviewed and continued to be simplified to create maximum convenience and utility for participants and beneficiaries of the policy.

Article and photos: Ha Phuong

Source: https://baothanhhoa.vn/dua-nhung-diem-moi-cua-nbsp-luat-bao-hiem-xa-hoi-vao-cuoc-song-257846.htm