个人养老金制度调整优化 领取情形进一步丰富

Core Viewpoint - The recent notification from the Ministry of Human Resources and Social Security and four other departments aims to enhance the flexibility of the personal pension system in China by introducing new conditions for early withdrawal of personal pensions, effective from September 1, 2023 [1][2]. Group 1: New Withdrawal Conditions - The notification adds three new scenarios under which individuals can withdraw their personal pensions: 1. Medical expenses exceeding the previous year's average disposable income in the province after insurance reimbursement [1]. 2. Receiving unemployment insurance for a cumulative total of 12 months within the last two years [1]. 3. Currently receiving urban and rural minimum living security [1]. Group 2: Application Process - The notification expands the application channels for withdrawing personal pensions to include the National Social Insurance Public Service Platform, electronic social security cards, and the 12333 App, in addition to the original bank account method [2]. - The application for withdrawal will be verified by social insurance agencies, and upon approval, the funds will be transferred to the individual's social security card bank account after tax deductions [2]. Group 3: Contribution Continuation - Participants who withdraw their personal pensions under the new conditions, except for reaching the basic pension age, can continue to contribute to their personal pension accounts, thereby increasing their retirement savings [3]. - Local human resources and social security departments are required to integrate with information platforms to manage personal pension withdrawals effectively and enhance data sharing across departments [3].