9月1日起实施！个人养老金新增3种领取情形

Core Viewpoint - The article discusses the new regulations regarding personal pension withdrawals in China, which will take effect on September 1, 2025, aimed at expanding the circumstances under which individuals can access their personal pensions [3][4]. Group 1: New Withdrawal Circumstances - Three new circumstances for personal pension withdrawals have been introduced: 1. Medical expenses incurred by the individual (or spouse, minor children) related to basic medical insurance that exceed the previous year's average disposable income in the province after insurance reimbursements [4]. 2. Accumulated unemployment insurance benefits received for 12 months within the last two years [4]. 3. Currently receiving urban and rural minimum living security benefits [4]. Group 2: Previous Conditions for Withdrawal - Previously, individuals could withdraw personal pensions if they met one of the following conditions: 1. Reached the age for receiving basic pensions. 2. Completely lost the ability to work. 3. Settled abroad [4]. Group 3: Application Channels - The notification expands the 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" (Zhangshang 12333). 4. Two application channels through the local social insurance agency where the individual's basic pension insurance relationship is located [4].