最新明确！个人养老金领取，有变化

Core Viewpoint - The recent notification issued by multiple government departments aims to enhance the accessibility and management of personal pension withdrawals, effective from September 1 [1]. Group 1: Conditions for Withdrawal - Participants can withdraw personal pensions if they meet one of the following conditions: reaching the retirement age for basic pensions, complete loss of labor capacity, settling abroad, incurring significant 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 [4]. Group 2: Withdrawal Process - The notification specifies that participants can apply for personal pension withdrawals through various channels, including the national social insurance public service platform, the bank where their personal pension account is held, or local social insurance agencies. 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]. Group 3: Understanding Personal Pensions - Personal pensions are a government-supported, voluntary, market-oriented system designed to supplement retirement insurance. They operate on an individual account basis, with a maximum annual contribution limit of 12,000 yuan. Participants can choose to invest in various financial products, benefiting from tax incentives as per national regulations [3].