The fact that employees register for one-time social insurance, leave the social insurance system by themselves is a worrying situation that has negative impacts on the interests of individuals as well as society.
Propagandizing about social insurance policies for employees. (Photo: PV / Vietnam +)
Over the past time, due to the long-term effects of COVID-19 epidemic, many employees quit their jobs and lost their jobs, so they chose to receive social insurance once. This means that in the future, these employees will not have monthly income from their retirement pensions to ensure their life and will not be issued with free health insurance cards for care. Health in the old age, age often encounter many health uncertainties.
One-time social insurance recipients increased sharply
According to the statistics of Vietnam Social Insurance, the number of employees taking one-off social insurance leave is on an increasing trend over the years, the 2016-2020 period has an average annual growth rate of about 9%. Worryingly, in the first three months of 2021, the number of employees receiving one-time social insurance continues to increase rapidly.
Only in the first three months of the year, the whole country had 226,503 people receiving one-time social insurance, an increase of more than 20% compared to the same period in 2020. Some localities affected by the COVID-19 epidemic had the number of insured people. Social once increased such as: Khanh Hoa, Quang Nam, Da Nang …
The representative of the Vietnam Social Insurance Agency said that the cause of the above situation was mainly due to the impact of the COVID-19 epidemic, which made businesses difficult, leading to many employees to quit their jobs. Up to now, the employee has stopped working for 12 months, so they should apply for social insurance once with the desire to have a sum of money to cover their current life.
Labor procedures to receive unemployment insurance due to job loss because of COVID-19. (Photo: PV / Vietnam +)
Analysis by the period of time off waiting for pension entitlement shows that in the 2016-2019 period, the one-time social insurance beneficiaries are mainly employees after a year of leave without social insurance payment, on average, accounting for about 97%.
In addition to the difficulty of income, there is still a small proportion of employees still think “children trust their father, old depend on children”, not forming a habit when children pay social insurance so that when they get old they have a salary. retired, not dependent on descendants.
Many disadvantages for employees
The fact that employees register for one-time social insurance, leave the social insurance system by themselves is a worrying situation, not only directly affecting the interests of employees, but also affecting to the socio-economic situation, as well as to ensure social security for the people of the Party and State.
According to the calculation of the social insurance agency, if receiving social insurance once, the employee will lose about 1.14 months of salary for each year of social insurance payment before 2014 and about 0.64 months. salary for each year of social insurance payment after 2014. Not only affecting immediate profit, receiving one-time social insurance makes employees lose their chance to enjoy pension, there is no guarantee for life in old age.
Settlement of insurance benefits for employees. (Artwork: Vietnam +)
Sharing worries about the increase in the number of employees receiving social insurance once in the first 3 months of 2021, Mr. Do Ngoc Tho, Head of the Policy Implementation Department of social insurance (Vietnam Social Insurance) said: “As the organization implementing the policy, we really feel very regretful when the employees choose the plan to receive one-time social insurance instead of choosing to preserve the paid time and wait for conditions to continue participating in social insurance, accumulate to enjoy the pension at the end of the working age. ”
According to Mr. Do Ngoc Tho, when receiving the one-time social insurance, employees will suffer a lot, because they are not old enough to retire, they have spent all their old-age pension. When you get old, you cannot receive pension benefits and depend on children, grandchildren and the society.
“If unfortunately sick, no card Health Insurance According to the pension regime, when old workers are still facing the risk of not being able to pay for medical examination and treatment costs after only one illness, long-term hospital stay, they may face poverty. hunger and exhaustion become a burden on families and society, ”said Do Ngoc Tho.
Mr. Bui Sy Loi, Deputy Chairman of the Committee on Social Affairs of the National Assembly emphasized that the status of receiving one-time social insurance makes efforts to mobilize and expand social insurance coverage to face many more difficult.
According to Mr. Bui Sy Loi, employees who receive one-time social insurance means that they leave the system to receive social insurance, self-stripping of the right to participate and enjoy social insurance benefits. especially long-term benefits such as retirement and death. This is an alarming and worrying situation in ensuring rights and policies Social Security long term for employees.
Mr. Do Ngoc Tho suggested that trade unions at all levels should coordinate with the local social insurance to focus on information and communication widely to employees about the superiority and long-term benefits of continuing to participate in insurance. society to workers; It is recommended that employees consider carefully, should not decide to enjoy one-time social insurance, but should reserve the time to pay social insurance so that when conditions permit, they should continue to participate in compulsory social insurance or participate. participate in voluntary social insurance, in order to have conditions for self-assurance and health care for themselves in the old age, at the end of working age./.
Statistics of the Vietnam Social Insurance show that in the 2016-2019 period, the one-time social insurance beneficiaries were mainly young workers and concentrated in the non-state sector, the age of the number of people. The most lump-sum leave to enjoy social insurance is from 26-29 years old, and the average age of one-off social insurance entitlement will gradually increase from 32.5 years old in 2016 to 33.3 years old in 2019.
The rate of one-time social insurance benefits for women is higher than that of men, respectively 55.63% for women and 44.37% for men in the 2016-2019 period.
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