中国官方发文进一步明确个人养老金领取条件

Core Points - The Ministry of Human Resources and Social Security of China has released a notification regarding the conditions for receiving personal pensions, effective from September 1 [1] - The notification outlines specific eligibility criteria for individuals to access their personal pensions, including reaching the retirement age, complete loss of labor capacity, emigration, significant medical expenses, unemployment benefits, and receiving minimum living security [1] Summary by Categories Eligibility Criteria - Individuals can receive personal pensions if they meet one of the following conditions: 1. Reach the age for receiving basic pensions 2. Completely lose labor capacity 3. Emigrate for permanent residence 4. Incur medical expenses exceeding the previous year's average disposable income in their province after insurance reimbursements 5. Receive unemployment insurance for a total of 12 months within the last two years 6. Currently receive urban or rural minimum living security [1] Application Process - Applications for personal pensions can be submitted through various channels, including: 1. The national social insurance public service platform 2. The bank where the personal pension account is opened 3. The local social insurance agency where the basic pension insurance is managed - Upon verification by the social insurance agency, the bank will deduct personal income tax and transfer the funds to the individual's social security card bank account [1]