How To Calculate Unemployment Insurance For Workers 2025

This is important information that millions of workers need to understand to ensure their rights if they unfortunately lose their jobs.

Eligibility Conditions For Unemployment Benefits In 2025

To be eligible for unemployment benefits according to the Law on Employment, employees must simultaneously meet the following conditions:

• Legally terminated labor contract: Except for cases where the employee unilaterally terminates the contract illegally or is receiving a pension or monthly work capacity loss allowance.
• Paid unemployment insurance for the prescribed period: A minimum of 12 months within the 24 months preceding the termination of the labor contract.
• Submitted the unemployment benefit application on time: Within 03 months from the date of labor contract termination.
• Have not found new employment after 15 days of submitting the application: Calculated from the date of application submission at the employment service center, except for special cases such as performing military or police service; attending full-time study for 12 months or more.

How To Calculate Unemployment Insurance Benefits In 2025 (Simple And Easy To Understand)

Calculating unemployment benefits is not too complicated. Here is the detailed formula:

Monthly Unemployment Benefit = 60% x Average monthly salary on which unemployment insurance contributions were based for the 06 consecutive months preceding unemployment

Note on the maximum unemployment benefit level:

• For employees receiving salaries under the state-regulated salary system:
  Maximum monthly unemployment benefit = 5 x Base salary = 5 x 2.34 million VND = 11.7 million VND/month (applying the current base salary).
  
• For employees working in ordinary enterprises:
  Maximum monthly benefit = 5 x Regional minimum wage Specifically, the maximum benefit level for each region is as follows:
  Region 1: 5 x 4.96 million VND = 24.8 million VND/month Region 2: 5 x 4.41 million VND = 22.05 million VND/month Region 3: 5 x 3.86 million VND = 19.3 million VND/month Region 4: 5 x 3.45 million VND = 17.25 million VND/month This regional minimum wage is currently implemented according to the Government’s Decree No. 74/2024/ND-CP, effective from July 1, 2024.

How To Check The Monthly Salary On Which Unemployment Insurance Contributions Were Based

According to Article 58 of the Law on Employment in 2013, the monthly salary on which unemployment insurance contributions are based is the same as the salary used as the basis for compulsory social insurance (BHXH) contributions of the employee.

The maximum monthly salary on which unemployment insurance contributions are based is regulated as follows:

• For employees receiving salaries under the state-regulated salary system:
  Highest monthly salary for unemployment insurance contribution = 20 times the base salary
  
• For employees working in ordinary enterprises:
  Highest monthly salary for unemployment insurance contribution = 20 times the regional minimum wage To accurately determine your monthly salary on which unemployment insurance contributions were based, you can check in two ways:
  Method 1: View the contribution history on the Vietnam Social Security’s website: https://baohiemxahoi.gov.vn/tracuu/Pages/tra-cuu-dong-bao-hiem.aspx 
• Method 2: View the contribution information on the VssID application.
  

How To Determine The Duration Of Unemployment Benefits

The duration of unemployment benefits will depend on the total number of months you have contributed to unemployment insurance:

• Contributed to unemployment insurance for 12 to 36 months: Entitled to 03 months of unemployment benefits.
• Contributed to unemployment insurance for each additional 12 months: Entitled to an additional 01 month of unemployment benefits.
• Maximum duration of unemployment benefits: No more than 12 months.

Important Note: If you have contributed to unemployment insurance for more than 36 months and have remaining months, these remaining months will be reserved to calculate the duration of unemployment benefits for the next time you are eligible.

Example: Mr. A has contributed to unemployment insurance for 50 months. When he loses his job, Mr. A will be entitled to unemployment benefits for 4 months (corresponding to 48 months of contribution), and the remaining 2 months will be reserved.