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You're about to finish your work in Vietnam and prepare to return home. Among the many things to handle, social insurance is often the last thing to be done until you realize: you're unsure whether you're eligible to withdraw your benefits, and what you need to do to avoid losing them.
Many foreigners find themselves in the same situation: not understanding the regulations, lacking time to prepare, or only discovering they haven't processed their social insurance after returning home. At that point, things become significantly more complicated.
According to the 2014 Social Insurance Law and Decree 143/2018/ND-CP, foreign workers legally employed in Vietnam who are subject to mandatory social insurance will receive corresponding benefits. This means that the money you have contributed will not be lost. It is recorded and may be reimbursed when you meet the conditions as stipulated.
This is the crucial stage that determines how easy or difficult it is to withdraw your social insurance contributions. If you prepare well from this step, the rest will be much simpler.
Before leaving your job, you need to ensure your social insurance book has been fully paid and is ready for finalization. If the company hasn't completed this procedure, you won't be able to submit your social insurance withdrawal application. Checking early helps you avoid having to contact the company again after you've left – which is often very time-consuming.
The information on your social insurance book must match your passport and related documents. Small discrepancies such as incorrect name, passport number, or date of birth can cause your application to be rejected. This is a common mistake but can be completely avoided if you check beforehand.
You need to keep all documents such as the termination notice, employment contract, and related documents. These documents will be important supporting documents when submitting your application.
After leaving your job, you need to move on to the stage of preparing the necessary documents and a plan for processing.
Not everyone can withdraw immediately. You need to clearly identify which category you fall into.
Generally, foreigners can withdraw social insurance benefits upon termination of their contract and no longer residing in Vietnam. In addition, some special cases, such as reaching retirement age but not staying in Vietnam or suffering from a serious illness, are also considered.
If you are still in Vietnam, submitting the application will be easier. However, if you have returned to your home country, you can still do so through authorization. Deciding early will help you prepare the appropriate documents.
Typically, the documents include:
If performing the task remotely, you will need to provide a valid authorization document.
Many people think that once they leave Vietnam, they cannot withdraw their social insurance contributions. This is a fairly common misunderstanding.
You can authorize a relative or a legal entity in Vietnam. However, the authorization must be prepared according to regulations, especially regarding form and content.
If the documents are incomplete or incorrect, supplementing them from abroad will take longer. Therefore, it is necessary to ensure that the documents are prepared accurately from the beginning.
According to regulations, the processing time for applications is usually 7-15 working days. However, this only applies when the documents are complete. In reality, many applications are delayed due to minor errors or missing documents. This is especially common when employees handle the process themselves without understanding the procedure.
Each case of social insurance withdrawal will depend on many factors such as contribution period, residency status, and specific documents. DEDICA can assist you from document verification to procedure completion, saving you time and avoiding risks.
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