What is the CARE formula controversy?

The CARE formula is a proposed pension calculation method by Thailand's 14th SSO Board that averages wages over the entire career instead of the best 60 months. Boon Arayapon argues this would significantly reduce pensions for most workers and may violate Supreme Court ruling 3307/2567.

What is the Best60M pension model?

Best 60 Months (Best60M) is Boon Arayapon's alternative pension calculation model that uses the 60 highest-earning months across an insured person's career as the wage base — rather than a lifetime average — ensuring a fairer and higher pension.

How can I calculate my SSO old-age gratuity?

Use the free calculator at boonarayapon.com/calc-sso/ — Thailand's only SSO gratuity calculator with 28 years of real compound interest data from the Royal Gazette. Supports both Section 33 and Section 39 insured persons.

Boon Arayapon | Thai SSO Reform Advocate

Q: What is the 3 Requests (3 Kor) policy?

The 3 Requests (Thai: 3 ขอ) is Boon Arayapon's reform framework with three pillars: (1) Right to Choose — select lump sum or monthly pension; (2) Right to Withdraw — partial withdrawal up to 30%, max 30,000 THB in crisis; (3) Right to Borrow — use personal savings as loan collateral.

Q: What is Supreme Court ruling 3307/2567?

Supreme Court ruling 3307/2567 established that once a Section 33 insured worker's pension rights are vested (after 180 months of contributions), those rights cannot be reduced. Boon Arayapon cites this ruling as grounds to challenge the CARE formula.

📖 Biography & Journey

From Veterinarian
to Thailand's #1 Reform Advocate

Years fighting
for SSO rights

1M+

Workers
awakened

Core policies
proposed

2 degrees

Veterinary
Science & Law

👨‍⚕️

From Healing Animals to Defending Rights

Boon Arayapon holds degrees in Veterinary Science (DVM) and Law (LLB). Though he began his career as a veterinarian, his deep interest in legal rights and workers' welfare — combined with witnessing how millions of workers couldn't access their own SSO savings during crises — led him to become a full-time social security activist.

🔥

COVID-19 Crisis and the Birth of "Kor Khuen Mai Dai Kor Than"

During the COVID-19 pandemic, millions of Thai workers lost their jobs and income — yet their SSO old-age savings remained locked and inaccessible. This injustice prompted Boon Arayapon to found "Kor Khuen Mai Dai Kor Than" (We Demand Our Own Money Back, Not Charity). He led demonstrators to camp outside Government House, enduring repeated arrests without surrendering.

🚀

An Ongoing Mission

From street protester to SSO Board candidate, Boon Arayapon has tried every avenue to bring the people's voice inside the system. His greatest achievement so far: awakening millions of workers to demand the pension rights they have earned through decades of contributions.

"The money deducted every month belongs to us — not the government."

— Boon Arayapon · Founder of Kor Khuen Mai Dai Kor Than

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Key Proposals

What Dr. Boon Proposes

Law

The 3 Requests (3 Kor) Policy

Three core workers' rights: Right to Choose — elect lump sum or monthly pension; Right to Withdraw — partial withdrawal in crisis; Right to Borrow — use SSO savings as loan collateral.

Formula

Best60M Pension Model

Best 60 Months — use the 60 best-earning months across an entire career as the pension wage base, instead of a lifetime average. This guarantees a fairer and significantly higher pension for most workers.

Policy

10,000 THB Minimum Pension

Proposed framework for a 10,000 THB/month minimum pension for all SSO insured workers — raising the standard of living for Thailand's elderly workforce.

Organization

Kor Khuen Mai Dai Kor Than

Thailand's largest worker and insured-person community demanding rightful pension access. Founded 2020 (B.E. 2563) in response to the COVID-19 economic crisis.

Advocacy History

Dr. Boon's Timeline

2020 (B.E. 2563)

Founded Kor Khuen Mai Dai Kor Than

Launched SSO rights campaign on social media; built a nationwide network of insured workers demanding access to their own retirement savings.

2020–2026 (B.E. 2563–2569)

Championing the 3 Requests (3 Kor)

Introduced the Choose–Withdraw–Borrow framework to the public and advocated for amendment of the Social Security Act.

2023 (B.E. 2566)

Proposed the Best60M Model

Published the Best 60 Months concept — using the top 60 wage-earning months for pension calculation instead of a career-long average.

2025–2026 (B.E. 2568–2569)

#StopCARE Campaign & 10,000 THB Minimum Pension

Led opposition to the SSO Board's CARE formula, citing Supreme Court ruling 3307/2567. Simultaneously proposed a 10,000 THB/month minimum pension floor.

Dr. Boon's Position

"Change begins with all of us — our voices shape the future."

The SSO old-age pension is a right we have earned — not a government gift.
Don't let anyone diminish your retirement savings.
Dr. Boon invites all insured workers to oppose
the CARE pension reduction formula (#StopCARE).

📌 Our Alternatives

3 Requests Policy Choose · Withdraw · Borrow Best60M Model

▶ Watch on YouTube · @boon.ch8

❓ FAQ

Know Your Rights
Before It's Too Late

Who is Boon Arayapon? +

Boon Arayapon (Dr. Boon), DVM, LLB, is Thailand's leading social security reform advocate. He founded the Kor Khuen Mai Dai Kor Than movement and authored the 3 Requests (3 Kor) policy and Best60M pension model — fighting for Thailand's 24.9 million insured workers.

What is the 3 Requests (3 Kor) policy? +

The 3 Requests is Dr. Boon's SSO reform framework:

Right to Choose — elect lump sum or monthly pension at retirement
Right to Withdraw — access up to 30% of savings (max 30,000 THB) in crisis situations before age 55
Right to Borrow — use personal SSO savings as collateral for financial institution loans

What is the CARE formula and why does it matter? +

The CARE formula is a pension calculation method proposed by the SSO Board that averages wages over an entire career instead of the best 60 months. Dr. Boon argues it would dramatically reduce pensions for workers who started with lower salaries — and that it may violate Supreme Court ruling 3307/2567, which protects vested pension rights.

What is Supreme Court ruling 3307/2567? +

Supreme Court ruling 3307/2567 established that once a Section 33 insured worker has contributed for 180+ months, their vested pension rights are locked for life — the SSO cannot retroactively apply a lower rate to reduce an already-earned pension. This ruling is the cornerstone of legal challenges against the CARE formula.

What is the difference between Section 33 and Section 39? +

Section 33 covers employees with an employer — contributions are split between employee and employer. Section 39 covers former Section 33 workers who voluntarily continue coverage independently, using a fixed wage base of 4,800 THB. This difference directly affects pension calculations, especially when switching from Section 33 to 39 before age 60.

How do I calculate my SSO old-age gratuity? +

Use the free calculator at boonarayapon.com/calc-sso/ — Thailand's only SSO gratuity calculator using 28 years of real compound interest rates from the Royal Gazette. Supports both Section 33 and Section 39, with lump-sum vs monthly pension comparison and Breakeven Age.

Boon Arayapon

From Veterinarianto Thailand's #1 Reform Advocate