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📋 Policy Platform · SSO Board Candidate 2026

7 Policy Pillars to Reform
Thailand's Social Security

By Boon Arayapon, D.V.M., LL.B. — Independent Candidate, Employee Representative
Thailand Social Security Board (คณะกรรมการประกันสังคม) · Election: 27 September 2026
"Return rights — not charity. Build fund sustainability together."

#StopCARE #Best60M #MinimumPension10000 #3ChoiceLaw #OpenSSO #IndependentCandidate #KhoKhuen
7 Policy Pillars — Boon Arayapon SSO Board Candidate Thailand 2026: StopCARE, Best 60 Months, Minimum Pension, 3-Choice Law, OPEN SSO, Lifetime Healthcare, Family Coverage
25MInsured Workers Affected
2,105Avg. Pension Received (THB/mo)
98%Below Poverty Line (3,078 THB)
1,377Class Action Witnesses
6 yrsAdvocacy Experience

🏛️ Background: What is Thailand's SSO Board?

The Thailand Social Security Board (คณะกรรมการประกันสังคม) is the governing body of the Social Security Fund — a tripartite fund of 2.88 trillion THB (~80 billion USD) contributed equally by employees, employers, and the government. The Board sets pension formulas, manages investments, and determines benefits for 25 million insured workers across Thailand.

Board members are elected by workers (employee representatives), employers (employer representatives), and appointed by the government. The next election is 27 September 2026. Boon Arayapon runs as an independent candidate for the employee representative seat — no party affiliation, no political patronage, no bloc-voting arrangements.

⚖️ Landmark Case — Supreme Court Ruling 3307/2567 (2024)

The Ruling That Proves the Current System Is Broken

In Supreme Court case 3307/2567, a plaintiff (identified as "Mrs. N.") who had contributed under Article 33 for 181 months and then Article 39 for 60 months received a pension of only 1,320 THB/month from the SSO — despite her contributions entitling her to far more. The court ruled in her favor, awarding 3,636 THB/month using a split-calculation method.

SSO Paid (Wrong)

1,320 THB/mo

Court Ruled (Correct)

3,636 THB/mo

Monthly Shortfall

–2,316 THB/mo

Article 33 Duration

181 months

Article 39 Duration

60 months

Avg. Wage (Last 60 mo)

13,222 THB

4 Core Policies

Structural Reform · Return Savings · Ensure Livable Pensions

Evidence-based policies backed by law, precedent, and international standards

⛔

Policy 1 · #StopCARE & Defend Ruling 3307

Reject the CARE Formula — Uphold Supreme Court Precedent

🔴 Most Urgent ✅ Board Action 📋 Legislative Push

The CARE (Career Average Revalued Earnings) formula, currently being pushed by the Ministry of Labour, calculates pension by averaging wages across an entire working life. This systematically disadvantages workers who transitioned from higher-wage Article 33 to lower-wage Article 39 coverage — erasing the value of decades of contributions.

Mandate use of the split-calculation method from Supreme Court ruling 3307/2567: calculate Article 33 and Article 39 periods separately, then sum — preserving the value of each contribution phase
Record formal dissent against CARE in every board vote until formula is withdrawn
Demand Opt-in transitional protection for existing workers: the right to stay on the current formula (analogous to Thailand's Government Pension Fund reform in 1997 B.E. 2540)
International comparison: France uses best 25 years. USA uses best 35 years. The CARE formula proposes lifetime averaging — moving Thailand against global best practice.
🏆

Policy 2 · Best 60 Months + Minimum Pension

Fairer Pension Formula + Floor Above the Poverty Line

📋 Legislative Push

Reform the pension calculation base using the best 60 months of contribution history throughout a worker's career, paired with a legislated minimum pension floor.

Best 60 Months — calculates pension from the highest 60-month wage window in a worker's career, not a lifetime average that drags in low-income early years
Minimum pension: 7,000–10,000 THB/month for workers who meet contribution requirements — above Thailand's official poverty line of 3,078 THB/month
Raise the contribution wage ceiling from 15,000 THB to 20,000–25,000 THB to ensure long-term fund sustainability
Context: Current average pension received: 2,105 THB/month. 98% of recipients are below Thailand's poverty line. This is not a welfare problem — it is a structural calculation problem.
📋

Policy 3 · 3-Choice Law (กฎหมาย ๓ ขอ)

Flexible Retirement Savings — Choose · Return · Borrow

📋 Legislative Push

Amend the Social Security Act to give insured workers genuine ownership over their retirement savings — responsive to economic crises and life circumstances.

Choose (ขอเลือก) — elect to receive a lump-sum gratuity or monthly annuity pension based on individual life circumstances
Return (ขอคืน) — partial withdrawal of personal old-age contributions during declared crises or natural disasters, without forfeiting all benefits
Borrow (ขอกู้) — use old-age savings as collateral for low-interest loans for housing or business purposes
🔍

Policy 4 · OPEN SSO & Anti-Corruption

Transparent Fund Governance — Eliminate Wasteful Spending

✅ Board Action — Immediate

Reform SSO Board governance to achieve genuine accountability through digital transparency mechanisms, ensuring every baht of the 2.88T THB fund serves its intended beneficiaries.

Live-stream all board meetings — real-time public access to board deliberations and votes
Publish quarterly investment portfolio reports through the SSO app
Mandatory asset disclosure for all board members to prevent conflicts of interest
Audit and reduce non-essential administrative spending: overseas study tours, luxury vehicle leases, overpriced IT contracts — redirect savings to beneficiary welfare

3 Supplementary Policies

Elevate Healthcare Rights — Family Security — Premium Access

🏥

Policy 5 · Lifetime Healthcare for Long-term Contributors

20–25 Years of Contributions → Free Healthcare for Life After Retirement

📋 Legislative Push

Workers who contribute for a cumulative 20–25 years earn the right to continued SSO healthcare coverage for life after retirement — regardless of employment status — equivalent to Thailand's civil service pension healthcare benefit.

Currently, workers lose healthcare coverage when they exit the workforce — creating a "coverage cliff" that penalizes loyal contributors
Parity with Thailand's civil servant system: government employees receive lifetime healthcare; SSO contributors deserve the same after equal commitment
👨‍👩‍👧

Policy 6 · Family Co-contribution Scheme

Extend SSO Healthcare to Dependents via Co-contribution

📋 Legislative Push

Allow Article 33 and Article 39 workers to enroll up to 2 dependents (spouse and children) in the SSO healthcare network through a co-contribution mechanism at preferential rates.

Not a free benefit — structured as co-payment to ensure fund sustainability while expanding social protection coverage
Addresses the household welfare gap for workers whose families have no formal social security coverage
💊

Policy 7 · Premium Healthcare — Remove All Caps

No Dental Caps · Non-formulary Drug Access · Advanced Cancer Treatment

📋 Legislative Push

Modernize SSO medical benefits to eliminate disparities between SSO-insured workers and other public healthcare beneficiaries.

Remove dental reimbursement caps — allow claims at actual cost, without out-of-pocket advances
Unlock access to non-National List of Essential Medicines (non-NLEM) drugs when medically necessary
Cover advanced cancer treatment technologies (Targeted Therapy, immunotherapy) without spending ceilings — eliminating a life-or-death inequality

Scope of Action

Board Authority vs. Legislative Push — Clearly Separated

Boon Arayapon commits to transparency about what a board member can do immediately vs. what requires amending the Social Security Act.

⚡ Day-One Board Commitments

Actions that require no legislative change — executable from the first board meeting

✅ Board Authority (Immediate)

Vote against and formally record dissent on CARE formula at every board meeting
Live-stream all board sessions — unfiltered, real-time public access
Demand and publish quarterly investment portfolio disclosures
Propose and document reduction of non-essential administrative expenditures
Formally table Best 60M and minimum pension as agenda items for board deliberation

📋 Legislative Advocacy (Long-term)

3-Choice Law — Choose · Return · Borrow amendments to Social Security Act
Minimum pension floor: 7,000–10,000 THB/month
Lifetime post-retirement healthcare after 20–25 years contributions
Family co-contribution scheme for dependents
Dental cap removal and non-formulary drug access
📄

Policy Blueprint — Full PDF (Thai)

For media, researchers, and official candidacy documents · 2 pages · 25 May 2026

⬇ Download PDF

Register to Vote · 1 June – 15 July 2026

All Article 33, 39, and 40 insured workers must register to vote before 15 July 2026.
Election day: Sunday, 27 September 2026 · 08:00–16:00 · SSO Provincial Offices nationwide

📋 Register at sso.go.th 🇹🇭 ดูนโยบายภาษาไทย 👥 1,377 Witnesses

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