参加人领取个人养老金流程是什么？能否继续缴存资金？一文读懂↓

Core Points - The Ministry of Human Resources and Social Security and four other departments issued a notification regarding the conditions and methods for claiming personal pensions, effective from September 1 [1] - The personal pension system is a crucial part of China's third pillar of the pension insurance system [1] Changes in Claiming Conditions - The notification introduces three new conditions for claiming personal pensions, bringing the total to six [3] - The six conditions include: 1. Reaching the age for claiming basic pensions 2. Complete loss of labor ability 3. Settling abroad 4. Medical expenses exceeding the average disposable income in the previous year 5. Receiving unemployment insurance for 12 months within the last two years 6. Receiving minimum living security [6][10] Changes in Application Channels - New application channels have been added, including the National Social Insurance Public Service Platform, electronic social security cards, and the 12333 App, in addition to the original bank channels [10][11] - This reform aims to facilitate the public in applying for personal pensions through multiple channels [10] Overview of the Personal Pension System - The personal pension system was piloted in 36 cities in November 2022 and will be fully implemented nationwide by December 15, 2024 [13] - It is a voluntary system supported by government policies, allowing individuals to choose various financial products for their pension savings [13] Claiming Process - Participants can apply for personal pensions through various channels, including the National Social Insurance Public Service Platform and their bank, with verification by social insurance agencies [16] Continuation of Contributions After Early Withdrawal - Participants can continue to contribute to their personal pension accounts after early withdrawal, except when reaching the age for claiming basic pensions [18][19] Rationale for Establishing the Personal Pension System - The personal pension system encourages residents to save specifically for retirement, addressing the need for structured savings to mitigate retirement risks [21][23] - The recent adjustments in claiming methods reflect the need to accommodate changes in individuals' financial situations, promoting the sustainable development of the personal pension system [23]