The Decree 67/2025/ND-CP has amended and supplemented several articles of Decree 178/2024/ND-CP regarding the regime and policies for officials, public employees, civil servants, laborers, and armed forces in organizing the apparatus.
Accordingly, some people who retire early under this decree will receive retirement benefits as stipulated by the Social Insurance Law without any deductions in their pension rates.
To receive the maximum pension of 75%, male workers must have 35 years of social insurance contributions, while female workers must have 30 years.
Specifically, according to Clause 2, Article 7 of Decree 178/2024/NQ-CP, amended by Clause 5 and Clause 6, Article 1 of Decree 67/2025/ND-CP, those who retire early due to organizational restructuring will not have their pension rates reduced, even if they retire up to 10 years earlier than the official retirement age, provided they belong to the subjects specified in Clause 1 and Clause 3 of Article 2 of this decree.
The following three groups of subjects will not have their pension rates reduced if they meet the conditions regarding age, social insurance contribution history, and job characteristics:
According to the current Law on Social Insurance, within 20 days from the receipt of complete dossiers of pensioners, the social insurance agency will process and make payments to the employees.
To settle retirement regimes, officials will base their decisions on the dossiers transferred by the labor-using units (including early retirement decisions for laborers). The time point for enjoying the pension is the time point stated in the early retirement decision.
Those who are within 2 to 5 years of the official retirement age and meet the conditions for retirement under the Social Insurance Law.
Those who are within 5 to 10 years of the official retirement age and meet the conditions for retirement.
Those who are within 2 to 5 years of the official retirement age and have worked for at least 15 years in particularly difficult areas or engaged in hazardous, arduous, or dangerous jobs.
According to Decree 67, officials, public employees, civil servants, and laborers working under labor contracts in agencies, organizations, units, and the armed forces who retire early due to organizational restructuring will not have their pension rates reduced.
The pension rate is still based on the current Law on Social Insurance, with male laborers receiving 45% for 20 years of social insurance contributions and female laborers receiving 45% for 15 years.
The pension rate is still based on the current Law on Social Insurance, which stipulates that male laborers receive a rate of 45% for 20 years of social insurance contributions, while female laborers receive 45% for 15 years. For each additional year of contribution, employees will receive an additional 2% until they reach the maximum rate of 75%.
Consequently, male workers must have 35 years of social insurance contributions, while female workers must have 30 years to receive the maximum pension of 75%. Thus, with the provisions of Decree 67 on early retirement, the monthly pension rates for early retirement of officials, public employees, civil servants, and laborers remain at 45% to 75% of the average salary used as the basis for social insurance contributions.
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