最新明确！个人养老金领取，有变化

Core Points - The article discusses the recent notification issued by multiple government departments regarding the conditions and procedures for withdrawing personal pensions in China, effective from September 1 [1][2]. Group 1: Conditions for Withdrawal - Participants can withdraw personal pensions if they meet one of the following conditions: reaching the age for basic pension withdrawal, complete loss of labor ability, settling abroad, incurring medical expenses exceeding the local average disposable income, receiving unemployment insurance for 12 months within the last two years, or currently receiving minimum living security [2][6]. Group 2: Withdrawal Process - The notification outlines that participants can apply for personal pension withdrawals through various channels, including the national social insurance public service platform, the bank where their pension account is held, or the local social insurance agency. Upon verification, the bank will deduct a 3% personal income tax before transferring the funds to the participant's social security card bank account [2][3]. Group 3: Overview of Personal Pension - Personal pensions are defined as a system supported by government policy, voluntarily participated in by individuals, and operated in a market-oriented manner to supplement pension insurance. The system operates on a personal account basis, with an annual contribution limit of 12,000 yuan, and allows participants to choose from various financial products while enjoying tax benefits [3].