9月1日起，个人养老金领取情形更丰富了！

Group 1 - The Ministry of Human Resources and Social Security and four other departments have issued a notice to enrich the scenarios for receiving personal pensions, effective from September 1 [2][13] - Three new scenarios for personal pension withdrawals have been added, including medical expenses exceeding the average disposable income, receiving unemployment insurance for 12 months, and receiving minimum living security [4][13] - Eligible participants can apply for personal pensions through the national social insurance public service platform or their bank where the pension account is held [6][13] Group 2 - Participants must first enroll in the basic pension insurance in China before they can participate in personal pensions [9] - Personal pension participants can decide their contribution frequency and amount based on their financial capacity, with tax benefits applicable upon retirement [10] - Basic pensions and personal pensions are distinct, with basic pensions being available to urban workers and rural residents upon reaching the legal retirement age [11]