来源：中国新闻网 退休人员社保卡过期是否需补换新卡？人社部回应 中新网9月30日电 据人社部微信公众号消息，退休人员社保卡过期是否需补换新卡？人社部30日通过官 方微信公众号作出解答。 社保卡到期后均应换领新的社保卡。社保卡有效期满时，可前往社保卡服务银行网点或线上服务渠道申 请换领。通常情况下，社保卡有效期即将到期前，各地人社部门和社保卡服务银行会通过短信、公告等 方式进行提示。部分地区社保卡上已标注有效期限。持卡人可在社保卡有效期满前六十日申请换领，换 领社保卡的流程与新申领相同。 目前各地已经普遍实现了"立等可取"的换卡服务，部分地区还实现了银行账户"同号换卡"服务，具体换 卡渠道、服务方式可咨询发卡地12333服务热线。 图片来源：人社部微信公众号 编辑：董文博 广告等商务合作，请点击这里 本文为转载内容，授权事宜请联系原著作权人 中新经纬版权所有，未经书面授权，任何单位及个人不得转载、摘编或以其它方式使用。 关注中新经纬微信公众号(微信搜索"中新经纬"或"jwview")，看更多精彩财经资讯。 ...

Core Viewpoint - The article discusses the functionalities of social security cards, specifically the distinction between social security accounts and bank accounts, and the conditions under which funds can be accessed. Group 1: Social Security Accounts - Social security accounts typically refer to the balances in pension and medical insurance personal accounts, which generally cannot be withdrawn freely as they are designated for pension payments and medical expenses [5] - The balances in these accounts can be checked through various online platforms such as the electronic social security card app, the 12333 app, and the national government service platform [6] Group 2: Bank Accounts - Once the financial function of the social security card is activated, it can be used as a regular bank debit card, allowing for cash withdrawals, transfers, and payments, as well as supporting various types of payments and benefit collections [7] - The bank account balance can be checked through the service bank's counter, ATMs, and mobile banking [8] Group 3: Card Replacement and Fund Transfer - When replacing a social security card, the funds in the bank account are not affected, and the original card's bank account funds can be transferred to the new card after user authentication [10][11] - The original bank account must be canceled within a certain period according to management requirements, and users are responsible for transferring the funds from the original card [11]