Unemployment benefit on a VND 45 million salary
Updated: · By the Công Cụ Nhanh team
Benefit by months paid (VND 45 million, Region I)
| Unemployment insurance paid | Total | Months of benefit | Per month |
|---|---|---|---|
| 12–36 months (1–3 years) | VND 79,650,000 | 3 months | VND 26,550,000 |
| 48 months (4 years) | VND 106,200,000 | 4 months | VND 26,550,000 |
| 60 months (5 years) | VND 132,750,000 | 5 months | VND 26,550,000 |
| 72 months (6 years) | VND 159,300,000 | 6 months | VND 26,550,000 |
| 84 months (7 years) | VND 185,850,000 | 7 months | VND 26,550,000 |
| 96 months (8 years) | VND 212,400,000 | 8 months | VND 26,550,000 |
| 108 months (9 years) | VND 238,950,000 | 9 months | VND 26,550,000 |
| 120 months (10 years) | VND 265,500,000 | 10 months | VND 26,550,000 |
| 132 months (11 years) | VND 292,050,000 | 11 months | VND 26,550,000 |
| 144 months or more (12 years) | VND 318,600,000 | 12 months | VND 26,550,000 |
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 45 million is worked out
| Step | Amount |
|---|---|
| Average insured salary, last 6 months paid | VND 45,000,000 |
| 60% of the average (before the cap) | VND 27,000,000 |
| Region I cap: 5 × VND 5,310,000 | VND 26,550,000 |
| Monthly benefit (the lower of the two lines above) | VND 26,550,000 |
| Months of benefit (36 months paid) | 3 months |
| Total benefit | VND 79,650,000 |
With an average insured salary of VND 45 million over the last 6 months paid, 36 months of contributions and a job in Region I, you receive VND 26,550,000 a month for 3 months, VND 79,650,000 in total.
60% of VND 45,000,000 would be VND 27,000,000, above the VND 26,550,000 cap (5 × the Region I minimum wage), so you receive the cap. Every insured salary from about VND 44.25 million upwards gets the same amount in Region I.
After 36 months, each further 12 months paid adds one month of benefit, another VND 26,550,000. 144 months (12 years) give the maximum of 12 months, VND 318,600,000 in total.
The cap: 5 times the regional minimum wage
| Region | Cap / month | You receive / month | Total (36 months paid) |
|---|---|---|---|
| Region I | VND 26,550,000 | VND 26,550,000 (capped) | VND 79,650,000 |
| Region II | VND 23,650,000 | VND 23,650,000 (capped) | VND 70,950,000 |
| Region III | VND 20,700,000 | VND 20,700,000 (capped) | VND 62,100,000 |
| Region IV | VND 18,500,000 | VND 18,500,000 (capped) | VND 55,500,000 |
60% of your salary is VND 27,000,000. Where the cap is lower, you receive the cap; the region is where you worked in your last month of contributions.
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 45 million?
- 12 to 36 months of contributions give 3 months of benefit: VND 26,550,000 × 3 = VND 79,650,000. The 12 months must fall within the 24 months before you leave.
- How much after 5 or 10 years paid on VND 45 million?
- 60 months give 5 months, VND 132,750,000; 120 months give 10 months, VND 265,500,000 (Region I). The maximum of 12 months, VND 318,600,000, needs 144 months.
- Do I get less in Region IV on VND 45 million?
- Yes. The Region IV cap is VND 18,500,000, so you receive VND 18,500,000 a month, VND 8,050,000 less than in Region I.
- My salary is VND 45 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 23,364,000 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 26,550,000 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