Calculating Unemployment Insurance

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Ngày cập nhật gần nhất: 15/4/2026

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Standard 2018 Unemployment Insurance Calculation

Unemployment insurance is a benefit for individuals who lose their jobs, provided they meet certain requirements. It offers support during the job search period. To understand how to calculate unemployment insurance and determine the amount you will receive, this article will clarify all aspects.

Unemployment insurance is one of the mandatory social insurance types when employees sign labor contracts with businesses. It acts as a precaution in case of unexpected job loss and is financially supported by the social insurance agency to help the unemployed find new employment opportunities.

Social insurance currently includes four types: social insurance (SI), labor accident and occupational disease insurance (LAODI), health insurance (HI), and unemployment insurance (UI). Health insurance is particularly important, and users can easily check social insurance information if they participate in it. Checking social insurance information provides more details about participation duration and other relevant information.

What is Unemployment Insurance?

Unemployment insurance is a measure to support workers in situations of unemployment, providing temporary assistance for those between jobs and offering vocational training support.

2018 Unemployment Insurance Contribution Rates

According to state regulations, the unemployment insurance contribution rate for 2018 is 1% for both businesses and employees. The total amount an employee contributes to social insurance, including unemployment insurance, is 10.5% of the minimum wage.

- Among the workforce contributors, 10.5% are enrolled in social insurance, comprising 8% for health, 1.5% for unemployment, and 1% for occupational accidents.

- For businesses, the mandatory contributions are significantly higher, including 17% for social insurance, 0.5% for occupational accident insurance, 3% for health insurance, and 1% for unemployment insurance. The total sums up to 21.5%.

Conditions for receiving unemployment insurance

- Workers qualify for unemployment insurance and benefits if they have contributed for a minimum of 12 months within the 24 months before leaving their job.
- They must submit their unemployment benefit application at the Employment Service Center.
- If unable to secure new employment within 15 days after submitting the application, they become eligible for benefits.

Standard 2018 Unemployment Insurance Calculation

To calculate unemployment insurance, meaning the amount of unemployment benefits you receive, we will use the formula as follows:

Unemployment Benefit Amount = TaskBar salary of the last 6 months of insurance contributions before unemployment x 60%.

Note: The salary mentioned here is the minimum wage set by the government, excluding allowances or sales figures.

- Take, for example, you are contributing to insurance with a minimum wage of 5,000,000 VND. According to the formula, you will receive 60% of this 5 million VND, which is 3,000,000 VND.

Duration of Unemployment Insurance Benefits

- If you contribute enough for unemployment insurance within the period of 12 to 36 months, you will receive 3 consecutive months, declaring once per month and receiving money through the card.
- If the number of months you contribute exceeds 12 months after meeting the above criteria, you will receive an additional 1 month (maximum not exceeding 12 months).
- The time to receive unemployment benefits is calculated from the 16th day after submitting the application.
- For state-employed individuals, the monthly maximum unemployment benefit is not more than 5 times the basic salary.
- For business-employed individuals, the monthly maximum unemployment benefit is not more than 5 times the minimum regional wage.

Documents to Receive Unemployment Insurance Benefits

- Request temporary accommodation for the unemployed using the provided form.
- Original or authenticated copy of the expired contract, termination, or dismissal from the employer.
- Social insurance book.
- 2 passport-sized photos if necessary for making an ATM card for money transfers.

Above are the essential details to know about unemployment insurance, as well as the procedures to understand how to receive unemployment benefits from unemployment insurance. Receiving unemployment benefits is just an unfortunate event for you, and for young people about to enter university, they also need to know what major to study to avoid unemployment, which majors are currently in demand. Of course, the factor of which major to study to avoid unemployment, which majors are hot, is only secondary, and the most important thing is still the individual's own effort.

Frequently Asked Questions

What are the contribution rates for unemployment insurance in 2018?

In 2018, both businesses and employees contributed 1% of their salary to unemployment insurance. The total contribution for employees to social insurance, including unemployment insurance, was 10.5%.

How is the unemployment benefit amount calculated?

Unemployment benefits are calculated as 60% of the average salary of the last six months of insurance contributions before unemployment. For example, if your salary was 5,000,000 VND, you would receive 3,000,000 VND.

What are the conditions to receive unemployment insurance benefits?

To qualify, workers must contribute for at least 12 months within the last 24 months, submit their application at the Employment Service Center, and fail to find new employment within 15 days after applying.

How long can I receive unemployment benefits?

If you've contributed for 12 to 36 months, you can receive benefits for three months. For every additional 12 months of contributions, you get one more month, up to a maximum of 12 months.

What documents are required to receive unemployment insurance benefits?

You need the unemployment application form, an original or authenticated copy of your employment termination, your social insurance book, and passport-sized photos if needed for an ATM card.

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