To this question, YouMe Law Firm replied:

Her pension benefit rate is determined in the case of working capacity decline: 15 years of paying social insurance premiums = 45%.

The remaining 11 years of paying social insurance premiums = 11 x 2% = 22%.

If she retires at the right age, she will enjoy: 45% + 22% = 67% of the average salary/monthly income on which social insurance premiums are based.

However, she proposed to apply for early retirement when she was 51 years and 10 months old (regular leave before the normal age of 55 years and 8 months is 3 years and 10 months) and her working capacity decreased, so the benefit rate is deducted: (3 x 2 %) + 1% = 7%.

Her total pension benefit when she retires before her age is: 67% - 7%= 60%.

Therefore, she will receive a monthly pension equal to 60% of the average salary/monthly income on which social insurance premiums are based.

Note, employees need to meet 2 conditions for early retirement: time of social insurance premium payment and age (except for cases of people infected with HIV/AIDS due to accidents or occupational risks according to Article 54, Article 55 of the Law on Social Insurance 2014).

There are 2 cases of retirement before the age of 2022:

- In case of early retirement when working capacity is reduced.

+ Having working capacity decrease from 61% - less than 81%, male from full 55 years and 6 months, female from full 50 years and 8 months.

+ Having a working capacity decrease of 81% or more, full 50 years old for men and 6 months for women and 45 years old for 8 months for women.

+ The employee has worked for full 15 years or more in particularly heavy, hazardous and dangerous occupations and has a working capacity decrease of 61% or more.

- Pre-retirement without working capacity decrease