9月1日起实施！个人养老金新增3种领取情形
<div class="wx_rich_media_content" id="jsWxContainer"><p data-pm-slice="0 0 []" style="text-indent: 2em;"><span mpa-font-style="mei88wbm7qs"><span mpa-font-style="mei88xka8w9" style="font-size: 18px;"><span leaf="" style="color: rgba(0, 0, 0, 0.9); font-family: mp-quote, "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em;">近日，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</span><span leaf="" style="color: rgba(0, 0, 0, 0.9); font-family: mp-quote, "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em;" data-pm-slice="1 1 http://www.w3.org/1999/xhtml}]">《关于领取个人养老金有关问题的通知》</span><span leaf="" style="color: rgba(0, 0, 0, 0.9); font-family: mp-quote, "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em;">，进一步丰富个人养老金领取情形，明确具体操作办法，<span textstyle="" style="font-weight: bold;">自9月1日起开始实施。</span></span></span></span></p><p data-pm-slice="0 0 []" style="text-indent: 2em;"><span mpa-font-style="mei88wbm7qs"><span mpa-font-style="mei88xka8w9" style="font-size: 18px;"><span leaf="" style="color: rgba(0, 0, 0, 0.9); font-family: mp-quote, "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em;"><br></span></span></span></p><p style="text-indent: 2em;"><span leaf="" style="color: rgba(0, 0, 0, 0.9); font-size: 18px; font-family: mp-quote, "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em;" mpa-font-style="mei88xkailp">通知规定，<span textstyle="" style="font-weight: bold;">新增3种个人养老金领取情形：</span></span></p><p style="text-indent: 2em;"><span leaf="" style="color: rgba(0, 0, 0, 0.9); font-size: 18px; font-family: mp-quote, "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em;" mpa-font-style="mei88xkailp"><br></span></p><ul class="list-paddingleft-1"><li><p><span leaf="" style="color: rgba(0, 0, 0, 0.9); font-size: 18px; font-family: mp-quote, "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em;" mpa-font-style="mei88xka1fbb">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；</span></p><p><span leaf="" style="color: rgba(0, 0, 0, 0.9); font-size: 18px; font-family: mp-quote, "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em;" mpa-font-style="mei88xka1fbb"><br></span></p></li><li><p><span leaf="" style="color: rgba(0, 0, 0, 0.9); font-size: 18px; font-family: mp-quote, "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em;" mpa-font-style="mei88xka1m2y">申请之日前2年内领取失业保险金累计达到12个月；</span></p><p><span leaf="" style="color: rgba(0, 0, 0, 0.9); font-size: 18px; font-family: mp-quote, "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em;" mpa-font-style="mei88xka1m2y"><br></span></p></li><li><p><span leaf="" style="color: rgba(0, 0, 0, 0.9); font-size: 18px; font-family: mp-quote, "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em;" mpa-font-style="mei88xkaoyk">正在领取城乡最低生活保障金。</span></p><p><span leaf="" style="color: rgba(0, 0, 0, 0.9); font-size: 18px; font-family: mp-quote, "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em;" mpa-font-style="mei88xkaoyk"><br></span></p></li></ul><p style="text-indent: 2em;"><span leaf="" style="color: rgba(0, 0, 0, 0.9); font-size: 18px; font-family: mp-quote, "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em;" mpa-font-style="mei88xkanjo">此前，参加人符合下列条件之一的，可以领取个人养老金。一是达到领取基本养老金年龄。二是完全丧失劳动能力。三是出国（境）定居。</span></p><p style="text-indent: 2em;"><span leaf="" style="color: rgba(0, 0, 0, 0.9); font-size: 18px; font-family: mp-quote, "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em;" mpa-font-style="mei88xkanjo"><br></span></p><p><span leaf="" style="color: rgba(0, 0, 0, 0.9); font-size: 18px; font-family: mp-quote, "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em;" mpa-font-style="mei88xka1ryk"><span textstyle="" style="color: rgb(0, 122, 170);font-weight: bold;">个人养老金怎么领取？</span></span></p><p><span leaf="" style="color: rgba(0, 0, 0, 0.9); font-size: 18px; font-family: mp-quote, "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em;" mpa-font-style="mei88xka1ryk"><br></span></p><p style="text-indent: 2em;"><span leaf="" style="color: rgba(0, 0, 0, 0.9); font-size: 18px; font-family: mp-quote, "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em;" mpa-font-style="mei88xkajpa">《通知》明确，参加人领取个人养老金，<span textstyle="" style="font-weight: bold;">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，</span>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3%个人所得税后，将资金划转至本人社会保障卡银行账户。</span></p><p style="text-indent: 2em;"><span leaf="" style="color: rgba(0, 0, 0, 0.9); font-size: 18px; font-family: mp-quote, "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em;" mpa-font-style="mei88xkajpa"><br></span></p><p style="text-indent: 2em;"><span leaf="" style="color: rgba(0, 0, 0, 0.9); font-size: 18px; font-family: mp-quote, "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em;" mpa-font-style="mei88xkajo5">《通知》要求，各地人力资源社会保障部门要按要求，完成与信息平台的对接，做好领取个人养老金的管理工作。加强与医保、民政等部门的信息共享，充分利用可获取的跨业务、跨层级数据，优化经办系统功能，为参加人领取个人养老金提供便捷服务。</span></p><p style="text-indent: 2em;"><span leaf="" style="color: rgba(0, 0, 0, 0.9); font-size: 18px; font-family: mp-quote, "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em;" mpa-font-style="mei88xkajo5"><br></span></p><section><span mpa-font-style="mei88xkacb" style="font-size: 18px;"><strong><span leaf="" style="color: rgba(0, 0, 0, 0.9); font-family: mp-quote, "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em; font-weight: normal;"><span textstyle="" style="color: rgb(0, 122, 170);font-weight: bold;">个人养老金是什么？</span></span></strong></span></section><section><span mpa-font-style="mei88xkacb" style="font-size: 18px;"><strong><span leaf="" style="color: rgba(0, 0, 0, 0.9); font-family: mp-quote, "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em; font-weight: normal;"><br></span></strong></span></section><p style="text-indent: 2em;"><span mpa-font-style="mei88wbm9ix"><span mpa-font-style="mei88xkasz5" style="font-size: 18px;"><span leaf="" style="color: rgba(0, 0, 0, 0.9); font-family: mp-quote, "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em;">个人养老金</span><span leaf="" style="color: rgba(0, 0, 0, 0.9); font-family: mp-quote, "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em;">是指政府政策支持、个人自愿参加、市场化运营、实现养老保险补充功能的制度。个人养老金实行个人账户制，缴费完全由参加人个人承担，</span><strong><span leaf="" style="color: rgba(0, 0, 0, 0.9); font-family: mp-quote, "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em; font-weight: normal;"><span textstyle="" style="font-weight: bold;">每年缴费上限为12000元，</span></span></strong><span leaf="" style="color: rgba(0, 0, 0, 0.9); font-family: mp-quote, "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em;">缴纳的资金由个人自主选择购买符合规定的储蓄存款、理财产品、商业养老保险、公募基金等金融产品，封闭运行，按照国家有关规定享受税收优惠政策。</span></span></span></p><p style="text-indent: 2em;"><span mpa-font-style="mei88wbm9ix"><span mpa-font-style="mei88xkasz5" style="font-size: 18px;"><span leaf="" style="color: rgba(0, 0, 0, 0.9); font-family: mp-quote, "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em;"><br></span></span></span></p><hr style="max-width: 100%; letter-spacing: 0.544px; font-family: -apple-system-font, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; border-style: solid; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-color: rgba(0, 0, 0, 0.098); transform-origin: 0px 0px 0px; transform: scale(1, 0.5); box-sizing: border-box !important;"><p style="max-width: 100%; min-height: 1em; letter-spacing: 0.544px; font-family: -apple-system-font, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"><font size="1" color="#c0c0c0"><span leaf="" style="">来源：央视新闻，</span><span leaf="" style="">记者：李欣、郑春宇</span></font></span></p><p style="display: none;"><mp-style-type data-value="10000"></mp-style-type></p></div><p></p>
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