Nearly 20% of employed youth were in low-paid work compared to 12% on average for the country. A high percentage of people among the elderly (34%) are still working, while only 27% receive a pension, reflecting the nascent status of the pension system. There have been significant improvements in narrowing gender gaps at all levels of education and in providing health treatment and health insurance coverage. However, as in most countries in the world, women in Viet Nam earn substantially less than men.