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⚖️ SSO Policy Reform · Boon Arayapon · 2020–2026

The 3 Requests
(3 Kor) Policy

Your money should be yours to control.
The 3 Requests framework proposes three fundamental rights for Thailand's 24.9 million insured workers — restoring financial ownership over their own SSO contributions.

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⚠️ The Problem

Why 14 Million Workers
Can't Access Their Own Money

The amended Social Security Act passed Council of State review (Committee 9, 3rd reading) and was published for public comment via DGA — but has not yet taken effect. Until it does, 14 million insured workers cannot access their own contributions, even in a crisis.

Dr. Boon Arayapon has championed the 3 Requests since 2020 — pushing for this law to take effect and return financial autonomy to every insured worker. The framework is built on a single principle: money deducted from your salary belongs to you, not the government.

📋 The 3 Requests Framework

The "3 Kor" Policy in Detail

Three pillars — each designed to solve a specific failure of the current system.

POLICY 01
🏴
THE RIGHT TO CHOOSE ขอเลือก (Khor Lek)
Requires: age 55, eligible for pension
  • Choose: monthly pension for life, or lump-sum gratuity
  • Advance pension: up to 60× monthly pension amount
  • Past wages inflation-adjusted to current purchasing power
⚖️ Ref: Draft §77bis, §77f
POLICY 02
💚
THE RIGHT TO WITHDRAW ขอคืน (Khor Khuen)
Requires: ≥60 months contributions, before age 55
  • Triggered by: economic crisis, natural disaster, or severe hardship
  • Withdraw up to 30% of personal old-age contributions
  • Max = 2× the wage ceiling
  • Combined Withdraw + Borrow cannot exceed 30%
📌 30% total cap (Withdraw + Borrow)
POLICY 03
🪙
THE RIGHT TO BORROW ขอกู้ (Khor Gu)
Requires: ≥60 months contributions
  • Use up to 30% of old-age contributions as loan collateral
  • Loan from participating financial institutions only
  • Miss 2 payments → fund deducts from future benefits
  • Opportunity cost deducted → fund is not at risk
🏦 Participating banks only

📊 Comparison

Current System vs The 3 Requests Policy

Feature Current SSO System Under 3 Requests Policy
Benefit choice 180+ months = mandatory monthly pension only ✅ Choose: monthly pension or lump sum
Advance pension No provision ✅ Up to 60× monthly pension as advance
Crisis withdrawal Impossible until insured status ends ✅ 30% withdrawal during crisis or disaster
Loan collateral Contributions cannot be used as collateral ✅ 30% as collateral with partner banks
Fund sustainability Fund locked — workers cannot access own savings ✅ 30% cap per person + opportunity cost system = fund stable

📈 Expected Impact

What Changes for Each Stakeholder

👷
Insured Workers
  • Access own savings in a crisis — no need to wait for status termination
  • Choose benefit form based on actual needs
  • Use contributions as low-interest loan collateral
  • Past wages adjusted for inflation — fairer pension
🏦
Economy
  • Withdrawn money circulates back into the economy
  • Better credit access — reduces reliance on informal lenders
  • Built-in automatic stabilizer during crises
🛡️
SSO Fund
  • 30% cap: 70% stays invested — fund remains stable
  • Opportunity cost system prevents fund losses from defaults
  • Higher worker trust = lower dropout rates

❓ FAQ

Frequently Asked Questions

The 3 Requests is Dr. Boon Arayapon's framework for reforming Thailand's SSO Act. It proposes three new rights:
  • Right to Choose — elect lump sum or monthly pension at retirement
  • Right to Withdraw — access up to 30% of savings in a crisis before age 55
  • Right to Borrow — use SSO savings as collateral for a low-interest bank loan
No. The law caps individual access at 30% of each person's own contributions. The remaining 70% stays invested for long-term fund stability. Combined Withdraw + Borrow cannot exceed 30%, further limiting any aggregate impact.
If you miss 2 consecutive payments, the fund deducts the collateralized amount from your future old-age benefits to repay the lender. An opportunity cost is also deducted from future entitlements. The fund itself is not at risk.
Not yet. The amended Social Security Act passed Council of State review (Committee 9, 3rd reading) and was published for public comment via the DGA system — but has not yet taken legal effect. Dr. Boon continues to push for its enactment.
Both require a minimum of 60 months of contributions before age 55. The Right to Withdraw is also triggered by a qualifying event: economic crisis, natural disaster, or severe personal hardship. The combined total of Withdraw + Borrow cannot exceed 30% of your accumulated old-age contributions.
The CARE formula is a separate but related issue — it's the SSO Board's proposed pension calculation method that Dr. Boon argues would reduce pensions for many workers. The 3 Requests is a proactive reform, while #StopCARE is a defensive campaign. Both aim to protect workers' pension rights. See: Stop CARE Formula →
Boon Arayapon
Boon Arayapon (DVM, LLB)
Thai SSO Reform Advocate · Founder of "Kor Khuen Mai Dai Kor Than" (2020)

Think-tank lead for Thai social security reform for 24.9 million insured workers. Proposer of the 3 Requests policy and Best60M pension model. Campaigner against the CARE formula. Free SSO rights consultation since 2020.

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