The Law on Social Insurance does not limit the age of participating in voluntary social insurance. Voluntary social insurance insurers are entitled to a retirement pension (monthly pension) when they reach retirement age and have paid social insurance premiums for full 20 years.

If the employee reaches the retirement age but has not paid social insurance premium for at least 20 years, they will be allowed to continually contribute and to be entitled to a one-time voluntary social insurance payment when contribute full 20 years, and receive their monthly pension for the next month after that.

Thus, you and your husband can participate in voluntary social insurance scheme. You should go to the social security office of your district or your commune People's Committee office to be guided about the registration procedures for voluntary social insurance.