Core Viewpoint - The recent notification from the Ministry of Human Resources and Social Security and other departments introduces three new scenarios for accessing personal pensions, effective from September 1, 2023, aimed at increasing flexibility and accessibility for residents [1][3][6]. Summary by Relevant Sections New Withdrawal Scenarios - The notification adds three new scenarios for personal pension withdrawals: 1. Medical expenses exceeding the previous year's per capita disposable income after insurance reimbursement within the last 12 months for the applicant or their dependents [1][3]. 2. Accumulated unemployment insurance claims for 12 months within the last two years [1][3]. 3. Currently receiving urban and rural minimum living security [1][3]. Application Channels - The notification expands application channels for personal pension withdrawals to include: 1. National Social Insurance Public Service Platform 2. Electronic social security card 3. Mobile app "掌上12333" [1][8]. - Participants can still apply through their bank where their personal pension account is held [8]. Withdrawal Process - The process for withdrawing personal pensions involves verification by social insurance agencies, which will upload results to the personal pension information management service platform [8][9]. - If verified, funds will be transferred to the participant's social security card bank account after tax deductions [8][9]. Flexibility in Contributions - Participants can continue to contribute to their personal pension accounts even after making withdrawals, except when reaching the age for basic pension withdrawal [6][9]. Market Development - The personal pension financial product market is experiencing rapid growth, with over 143.9 million investors opening accounts, a 46.2% increase since the beginning of the year [11]. - The average annualized return for personal pension investors has exceeded 3.4% [11]. - The market is expected to grow further due to increasing demand for long-term, stable, and customized pension financial products [12].
个人养老金提取条件放宽!涉患病、失业及低保人群,下月起实施
Xin Lang Cai Jing·2025-08-21 00:47