新增3种申请领取个人养老金情形 关于个人养老金的领取，此次在原有政策上新增了三种情形，目前，一共有6种情形可以申请领取个人养老金。 央视网消息：近日，人力资源社会保障部等五部门联合印发《通知》，针对个人养老金的领取条件和领取方法等问题明确了 具体的操作办法，自9月1日起开始实施。本次调整，领取个人养老金的情形和申领渠道发生了哪些变化？ 提前领取个人养老金后还能继续缴存 还有不少人关心，如果提前领取个人养老金后，还可以继续缴存资金吗？根据通知，除达到领取基本养老金年龄外，参加人 达到其他条件领取个人养老金的，可以根据经济条件等情况，继续向本人个人养老金资金账户缴费，增加养老积累。这时，信息 平台会将个人养老金账户重新变更为缴存状态。 那么，为何要设立个人养老金制度？ 上海财经大学公共经济与管理学院教授 张熠：（我国）居民储蓄中有不少是用于应对各种养老风险的，需要有一个制度鼓励 居民储蓄转化为锁定用于养老的储蓄，个人养老金制度就应运而生，有助于我们未雨绸缪、建立养老规划。但是规划也要考虑变 化，这样也有助于打消人们万一需要用钱，但是被锁定在个人养老金账户中的顾虑，促进个人养老金的长期可持续发展。 一是达到领取基本 ...

作为我国养老保险体系"第三支柱"，个人养老金是政府政策支持、个人自愿参加、市场化运营的补 充养老保险制度。我国个人养老金制度于2022年11月在全国部分城市先行实施，2024年底推广至全国。 记者8月19日从人力资源社会保障部获悉，近日，人力资源社会保障部等5部门联合印发《关于领取 个人养老金有关问题的通知》（以下简称《通知》），其中，新增3种个人养老金领取情形、2类申请渠 道，自9月1日起开始实施。 业内专家指出，《通知》对个人养老金领取的相关政策作了适当调整和改进，将进一步满足广大参 与者对领取个人养老金的多样化需求，增强个人养老金制度的灵活性。 具体来看，在原有政策规定达到领取基本养老金年龄、完全丧失劳动能力、出国（境）定居等条件 的基础上，《通知》新增可以领取个人养老金的3种情形。 一是申请之日前12个月内，本人（或配偶、未成年子女）发生的与基本医保相关的医药费用支出， 扣除医保报销后个人负担（指医保目录范围内的自付部分）累计超过本省（自治区、直辖市）上一年度 居民人均可支配收入。二是申请之日前2年内领取失业保险金累计达到12个月。三是正在领取城乡最低 生活保障金。 《通知》明确，参加人因达到领取基本 ...

个人养老金制度是我国养老保险体系"第三支柱"的重要制度设计，其领取政策为何调整？领取情形与渠 道有何变化？提前领取后能否续缴？一起来看。 近日，人力资源社会保障部等五部门联合印发《通知》，针对个人养老金的领取条件和领取方法等问 题，明确了具体的操作办法，自9月1日起开始实施。 新增3种情形和2类申请渠道 国家社会保险公共服务平台、电子社保卡、掌上12333App等全国统一线上服务入口；参加人当前基本 养老保险关系所在地社会保险经办机构。专家认为，这一改革举措可方便群众通过多个渠道申领个人养 老金。 若符合条件，该如何领取？ 个人养老金制度2022年11月在36个城市（地区）先行实施，2024年12月15日起在全国全面实施。那么， 如果我们符合领取条件，怎么去领取个人养老金呢？ 《通知》明确，参加人领取个人养老金，可以通过国家社会保险公共服务平台等全国统一线上服务入 口、个人养老金资金账户开户银行、当前基本养老保险关系所在地社会保险经办机构等渠道提出申请， 由社保经办机构核实。 对核实通过的，由个人养老金资金账户开户银行代扣代缴个人所得税后，将资金划转至本人社会保障卡 银行账户。 提前领取后还能续缴吗？ 根据通 ...

Core Viewpoint - The recent notification from the Ministry of Human Resources and Social Security and four other departments aims to enhance the flexibility of the personal pension system in China by introducing new conditions for early withdrawal of personal pensions, effective from September 1, 2023 [1][2]. Group 1: New Withdrawal Conditions - The notification adds three new scenarios under which individuals can withdraw their personal pensions: 1. Medical expenses exceeding the previous year's average disposable income in the province after insurance reimbursement [1]. 2. Receiving unemployment insurance for a cumulative total of 12 months within the last two years [1]. 3. Currently receiving urban and rural minimum living security [1]. Group 2: Application Process - The notification expands the application channels for withdrawing personal pensions to include the National Social Insurance Public Service Platform, electronic social security cards, and the 12333 App, in addition to the original bank account method [2]. - The application for withdrawal will be verified by social insurance agencies, and upon approval, the funds will be transferred to the individual's social security card bank account after tax deductions [2]. Group 3: Contribution Continuation - Participants who withdraw their personal pensions under the new conditions, except for reaching the basic pension age, can continue to contribute to their personal pension accounts, thereby increasing their retirement savings [3]. - Local human resources and social security departments are required to integrate with information platforms to manage personal pension withdrawals effectively and enhance data sharing across departments [3].

在通过个人养老金资金账户开户银行申请领取的基础上，通知增加国家社会保险公共服务平台、电子社 保卡、掌上12333App等全国统一线上服务入口，参加人当前基本养老保险关系所在地社会保险经办机 构2类申请渠道。 不同于国家法定的基本养老保险，个人养老金作为一种补充养老金制度，参加人领取个人养老金提出申 请由社保经办机构核实，对核实通过的，由个人养老金资金账户开户银行代扣代缴个人所得税后，将资 金划转至本人社会保障卡银行账户。 ● 本报记者 王舒嫄 中国证券报记者8月19日从人力资源社会保障部获悉，人社部等5部门近日发布《关于领取个人养老金有 关问题的通知》，进一步丰富个人养老金领取情形，明确具体操作办法，自9月1日起开始实施。 我国个人养老金制度于2022年11月在全国部分城市先行实施，2024年底推广至全国。此次通知对个人养 老金领取的相关政策作了适当调整和改进，旨在满足广大参与者对领取个人养老金的多样化需求，增强 个人养老金制度的灵活性。 在原有政策规定达到领取基本养老金年龄、完全丧失劳动能力、出国（境）定居等条件的基础上，通知 新增可以领取个人养老金的三种情形。 一是申请之日前12个月内，本人（或配偶、未成 ...

Core Viewpoint - The recent notification from the Ministry of Human Resources and Social Security and four other departments aims to enhance the flexibility of the personal pension system in China by introducing new conditions for accessing personal pensions, effective from September 1, 2023 [1][2]. Group 1: Policy Adjustments - The notification adds three new scenarios under which individuals can access their personal pensions, in addition to existing conditions such as reaching the retirement age or complete loss of working ability [1]. - The first new condition allows individuals to withdraw personal pension funds if they or their family members incur medical expenses exceeding the average disposable income of residents in their province after insurance reimbursements [1]. - The second condition permits access if the individual has received unemployment insurance for a cumulative total of 12 months within the last two years [1]. - The third condition allows individuals currently receiving minimum living security benefits to access their personal pensions [1]. Group 2: Application Process - The notification expands the channels for applying to access personal pensions, including the National Social Insurance Public Service Platform, electronic social security cards, and the 12333 App, in addition to traditional bank applications [2]. - Unlike the mandatory basic pension insurance, personal pensions are supplementary, and applications for withdrawal will be verified by social insurance agencies before funds are transferred to the individual's social security card bank account after tax deductions [2]. - Participants can continue to contribute to their personal pension accounts after early withdrawals, except when they reach the retirement age, allowing for increased pension accumulation [2].

Core Points - The recent notification issued by five departments, including the Ministry of Human Resources and Social Security, outlines specific operational methods for personal pension withdrawals, effective from September 1 [1] - The personal pension system is a crucial component of China's pension insurance framework, referred to as the "third pillar" [1] Changes in Withdrawal Conditions - The notification introduces three new conditions for applying for personal pension withdrawals, expanding the total to six conditions [1] - The six conditions are: - Reaching the age for basic pension withdrawal - Complete loss of labor ability - Settling abroad - Medical expenses exceeding the previous year's per capita disposable income after insurance reimbursement within the last 12 months for the applicant or their family - Accumulating 12 months of unemployment insurance benefits within the last two years - Currently receiving minimum living security benefits [1] Changes in Application Channels - The notification adds two new application channels for personal pension withdrawals, in addition to the existing method through the bank where the personal pension account is held [4] - New channels include: - National Social Insurance Public Service Platform - Electronic social security card - 12333 App and local social insurance agencies [4] Implementation Timeline - The personal pension system was initially implemented in 36 cities in November 2022 and is set for nationwide rollout by December 15, 2024 [5] - The system allows individuals to voluntarily participate and manage their pension savings through various financial products, with an annual contribution limit of 12,000 yuan [5] Continuation of Contributions After Early Withdrawal - Participants who withdraw their personal pension under conditions other than reaching the basic pension age can continue to contribute to their personal pension accounts [6] - The account status will be updated to reflect the new contribution status [6] Purpose of the Personal Pension System - The personal pension system is designed to provide a voluntary savings option for individuals, distinct from the broader social pension insurance [7] - The system aims to address the financial needs of individuals facing unexpected circumstances before retirement [3]

Core Viewpoint - The recent notification from the Ministry of Human Resources and Social Security expands the scenarios under which individuals can withdraw personal pensions, enhancing flexibility and support for various financial needs, effective from September 1 [1][2]. Group 1: New Withdrawal Scenarios - The notification introduces three new scenarios for personal pension withdrawals: significant medical expenses exceeding the average disposable income in the province, receiving unemployment insurance for 12 months within the last two years, and currently receiving minimum living security [1][2]. - This expansion aims to provide dual protection of "pension + medical" and offers a safety net for unemployed individuals and low-income groups, promoting a positive cycle of labor accumulation [2]. Group 2: System Flexibility and Accessibility - The notification enhances the system's flexibility by allowing online applications and automatic verification through various national service platforms, making it easier for participants to access their funds [2]. - Participants can continue to contribute to their personal pension accounts even after making withdrawals, with specific conditions based on the reason for withdrawal [3]. Group 3: Development of Personal Pension System - The personal pension system, initiated in November 2022, is set for nationwide implementation by the end of 2024, with a current total of 297 pension funds, reflecting a growth of over 8% in total scale to 12.472 billion [4]. - The growth is driven by product expansion and positive investment returns, with approximately 90% of pension fund products yielding positive returns, boosting market confidence [4]. Group 4: Structural Challenges - Despite the rapid increase in account openings, the average annual contribution remains significantly below the policy limit, indicating a disparity between account growth and actual contributions [5]. - The current tax incentives are less attractive to low- and middle-income groups, suggesting a need for policy adjustments to lower contribution thresholds and diversify product offerings [5].

这一文件进一步丰富了个人养老金的领取规则，增强了个人养老金领取的灵活性。 从9月1日起，个人养老金领取条件进一步放宽，参加人遭遇大病、失业、低保等个人家庭的意外或困难时 可申请领取个人养老金。 8月19日、人力资源社会保障部、财政部、国家税务总局、金融监管总局、中国证监会联合印发《关于领取 个人养老金有关问题的通知》，就丰富个人养老金领取情形问题，明确了具体操作办法。 我国个人养老金制度于2022年11月在全国部分城市先行实施，2024年底推广至全国。第一财经采访的社保 专家认为，这一文件进一步丰富了个人养老金的领取规则，增强了个人养老金领取的灵活性，能够更好地 满足个人养老金参加者的现实需求。 新增的三种领取情形分别为：一是申请之日前12个月内，本人（或配偶、未成年子女）发生的与基本医保 相关的医药费用支出，扣除医保报销后个人负担（指医保目录范围内的自付部分）累计超过本省（自治 区、直辖市）上一年度居民人均可支配收入；二是申请之日前2年内领取失业保险金累计达到12个月；三是 正在领取城乡最低生活保障金。 中国社会科学院大学政府管理学院社会保障系主任房连泉对第一财经表示，个人养老金是终身封闭的，之 前领取的条 ...

8月19日，人社部等5部门对外发布《关于领取个人养老金有关问题的通知》。通知新增三项个人养老金 领取条件，同时增加了个人养老金申请渠道。 按照新政策，对于符合条件的失业人员、领取低保人员，以及在一年内个人支出大额医药费用的人员， 也可以领取个人养老金。新政自今年9月1日起实施。 个人养老金领取条件扩展至六项 此前，参加个人养老金的人员，符合下列三项条件之一的，可以领取个人养老金，分别是达到领取基本 养老金年龄；完全丧失劳动能力；出国（境）定居。 此次通知明确，参加人因达到领取基本养老金年龄领取个人养老金的，个人养老金账户领取状态不再变 更。其他情形下领取个人养老金的，参加人如果再次向本人个人养老金资金账户缴费，信息平台将其个 人养老金账户重新变更为缴存状态，参加人需重新达到领取条件才能再次领取。 新增电子社保卡等渠道申请个人养老金 在此前通过个人养老金资金账户开户银行申请领取的基础上，通知增加国家社会保险公共服务平台、电 子社保卡、掌上12333 App等全国统一线上服务入口，参加人当前基本养老保险关系所在地社会保险经 办机构2类申请渠道。 对于个人养老金申请，此次通知作出规定，符合领取条件的参加人，可以通过 ...