Unemployment benefit on a VND 20 million salary
Updated: · By the Công Cụ Nhanh team
Benefit by months paid (VND 20 million, Region I)
| Unemployment insurance paid | Total | Months of benefit | Per month |
|---|---|---|---|
| 12–36 months (1–3 years) | VND 36,000,000 | 3 months | VND 12,000,000 |
| 48 months (4 years) | VND 48,000,000 | 4 months | VND 12,000,000 |
| 60 months (5 years) | VND 60,000,000 | 5 months | VND 12,000,000 |
| 72 months (6 years) | VND 72,000,000 | 6 months | VND 12,000,000 |
| 84 months (7 years) | VND 84,000,000 | 7 months | VND 12,000,000 |
| 96 months (8 years) | VND 96,000,000 | 8 months | VND 12,000,000 |
| 108 months (9 years) | VND 108,000,000 | 9 months | VND 12,000,000 |
| 120 months (10 years) | VND 120,000,000 | 10 months | VND 12,000,000 |
| 132 months (11 years) | VND 132,000,000 | 11 months | VND 12,000,000 |
| 144 months or more (12 years) | VND 144,000,000 | 12 months | VND 12,000,000 |
Under 12 months paid there is no benefit yet. Values in between (for example 50 months) use the nearest lower row; unused months are carried forward to a later claim, except anything above 144 months.
How the benefit on VND 20 million is worked out
| Step | Amount |
|---|---|
| Average insured salary, last 6 months paid | VND 20,000,000 |
| 60% of the average (before the cap) | VND 12,000,000 |
| Region I cap: 5 × VND 5,310,000 | VND 26,550,000 |
| Monthly benefit (the lower of the two lines above) | VND 12,000,000 |
| Months of benefit (36 months paid) | 3 months |
| Total benefit | VND 36,000,000 |
With an average insured salary of VND 20 million over the last 6 months paid, 36 months of contributions and a job in Region I, you receive VND 12,000,000 a month for 3 months, VND 36,000,000 in total.
This is below the Region I cap of VND 26,550,000, so you get the full 60%. The cap only applies from an average insured salary of about VND 44.25 million in Region I.
After 36 months, each further 12 months paid adds one month of benefit, another VND 12,000,000. 144 months (12 years) give the maximum of 12 months, VND 144,000,000 in total.
The cap: 5 times the regional minimum wage
60% of your salary is VND 12,000,000, below the cap in all four regions (Region I VND 26,550,000, Region IV VND 18,500,000), so you receive VND 12,000,000 a month wherever you worked.
The cap only matters from an average insured salary of about VND 30.83 million (Region IV) or VND 44.25 million (Region I). The insured salary itself is capped at 20 times the regional minimum wage (VND 106,200,000 in Region I).
Conditions and how to claim
- Vietnamese citizens only; foreign nationals on work permits are outside the unemployment insurance scheme.
- The contract ended lawfully; quitting in breach of the law, or leaving when already entitled to a pension, disqualifies you.
- 12 months of unemployment insurance paid in the 24 months before leaving (12 in 36 months for contracts of 1 to under 12 months).
- File within 3 months of leaving at the public employment service centre where you want to be paid, or on the National Public Service Portal.
- Payment counts from the 11th working day after a complete claim; you report your job search every month, and missing 3 months in a row ends the benefit.
Based on Employment Law No. 74/2025/QH15 (Articles 38 and 39) and Decree 374/2025/NĐ-CP, in force from 1 January 2026. This is an estimate; the official amount is decided by the employment service centre.
Frequently asked questions
- How much unemployment benefit after 1 year on VND 20 million?
- 12 to 36 months of contributions give 3 months of benefit: VND 12,000,000 × 3 = VND 36,000,000. The 12 months must fall within the 24 months before you leave.
- How much after 5 or 10 years paid on VND 20 million?
- 60 months give 5 months, VND 60,000,000; 120 months give 10 months, VND 120,000,000 (Region I). The maximum of 12 months, VND 144,000,000, needs 144 months.
- Do I get less outside the big cities on VND 20 million?
- No. VND 12,000,000 is below the cap in every region (the lowest is VND 18,500,000 in Region IV), so the region does not change the amount.
- My salary is VND 20 million but insurance is paid on less. What then?
- The benefit follows the insured salary recorded in VssID, not your actual pay. If insurance is paid only on the Region I minimum wage (VND 5,310,000), you get VND 3,186,000 a month, VND 8,814,000 less.
- Can a foreigner working in Vietnam claim this benefit?
- No. The 2025 Employment Law defines a worker as a Vietnamese citizen (Article 2(1)). Foreign employees with work permits pay social and health insurance but not unemployment insurance, so there is no benefit to claim.
- Is the VND 12,000,000 monthly benefit taxed?
- No. It is paid from the unemployment insurance fund and is not taxable income; you also get a health insurance card while you receive it.
Other salaries
See the full unemployment benefit table