Câu hỏi 16. NLĐ đủ điều kiện về tuổi nghỉ hưu nhưng chưa đủ điều kiện về số năm đóng BHXH thì có thể đóng dồn cho các năm còn thiếu để hưởng chế độ hưu trí hay không?

5365
  1. Điều kiện hưởng lương hưu

Theo quy định của Luật BHXH 2014, để được hưởng lương hưu, NLĐ cần đáp ứng điều kiện về tuổi nghỉ hưu và thời gian đóng BHXH, cụ thể như sau[1]:

  • Về tuổi hưởng lương hưu: NLĐ nam đủ 60 tuổi vàNLĐ nữ đủ 55 tuổi; và

  • Về thời gian đóng BHXH: NLĐ khi nghỉ việc có đủ 20 năm đóng BHXH trở lên.

  1. NLĐ đã đủ tuổi nghỉ hưu nhưng chưa đủ số năm đóng BHXHcó thể đóng dồn cho các năm còn thiếu hay không?

Khi NLĐ đã đủ điều kiện về tuổi nhưng thời gian đóng BHXH chưa đủ 20 năm thì được đóng cho đến khi đủ 20 năm để hưởng lương hưu[2]. Khi đó, NLĐ có thể lựa chọn đóng BHXH một trong các phương thức đóng sau:

  • Đóng hằng tháng; hoặc
  • Đóng 03 tháng một lần; hoặc
  • Đóng 06 tháng một lần; hoặc
  • Đóng 12 tháng một lần; hoặc
  • Đóng một lần cho nhiều năm về sau nhưng không quá 5 năm một lần.

Tuy nhiên, đối với trường hợp người tham gia BHXH đã đủ điều kiện về tuổi để hưởng lương hưu nhưng thời gian đóng BHXH còn thiếu không quá 10 năm (120 tháng), ngoài lựa chọn một trong các phương thức đóng nêu trên, NLĐ còn có thể đóng một lần cho đủ 20 năm đóng để hưởng lương hưu[3].Như vậy, NLĐ có thể đóng BHXH tự nguyện một lần ngay để hưởng lương hưu và mức đóng cụ thể do NLĐ lựa chọn phù hợp với thu nhập của NLĐ. Thời điểm bắt đầu hưởng lương hưu sẽ được tính từ ngày 01 tháng liền kề sau tháng đóng đủ số tiền cho những năm còn thiếu[4].

[1] Điều 73.1 Luật BHXH 2014

[2] Điều 73.2 Luật BHXH 2014

[3] Điều 8.2 Thông tư 01/2016/TT-BLDTBXH ngày 18/02/2016

[4] Điều 5.2 Thông tư 01/2016/TT-BLDTBXH ngày 18/02/2016

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