Hi everyone,
I appreciate all the insights previously shared about continuing SSO coverage. I recently visited my local SSO office to switch from Section 33 (employee) to Section 39 (self-funded) so I can keep public health insurance.
During the visit, the officer mentioned a lump sum withdrawal option, but the discussion was in Thai, and I didn’t fully understand it. My wife tried to follow along, but we’re still unclear on how this affects my options.
What I understand so far:
Since I haven’t reached 180 months of contributions, I wouldn’t qualify for a pension yet.
Taking the lump sum now might mean losing future pension eligibility.
If I stay in Section 39 and continue contributing, I could eventually qualify for a monthly pension.
I can keep SSO health coverage for ฿432/month, but I’m unsure if taking the lump sum affects this.
Questions:
If I take the lump sum, can I still keep Section 39 health insurance?
Has anyone taken the lump sum and later regretted it?
Once I take the lump sum, can I later rejoin the pension scheme or is it final?
I’d love to hear from anyone who has been through this process. Any advice or clarifications would be greatly appreciated before I go back to the SSO office.
Thanks in advance for your help!