How to extract individual endowment insurance

The way to withdraw personal pension is: make an appointment in the service hall of the social security service center in advance to go through the retirement audit procedures; Then go to the window of the local human resources and social security bureau for retirement approval procedures; After the Human Resources and Social Security Bureau has verified that it meets the retirement conditions, it will bring the retirement approval form, identity documents, medical insurance cards and payment vouchers to the personal payment window to modify the information and confirm the payment; Go to the designated bank to apply for a pension debit card, and at the same time provide the account card number to the social security agency; After the approval, you can get the basic pension treatment calculation table from the fund audit office of the Social Security Bureau.

The withdrawal process of personal account pension generally includes the following steps:

Submit application: individuals need to prepare relevant certification materials and submit applications to social security agencies or relevant departments within the specified time.

Review and verification: Social security agencies or relevant departments will review and verify individual applications, and then proceed to the next step.

Sign an agreement: if an individual chooses to receive a pension by stages, he needs to sign an agreement with a bank or social security agency to clarify the way and time limit for receiving it.

Pension: if an individual meets the requirements and the application is passed, he can choose to receive the pension in one lump sum or by stages.

Withdrawal conditions of personal account pension

According to the relevant provisions of the state, the withdrawal conditions of personal account pension mainly include:

Reach the legal retirement age or retire early: when an individual reaches the legal retirement age, he can choose to withdraw his personal account pension. If you retire early, you need to meet the prescribed conditions for early retirement, and you can't take out your pension until 3 months after leaving your job.

Suffering from major diseases: If an individual suffers from major diseases and needs to take out his pension for treatment or living security, he can take out his pension in advance. Need to provide relevant diagnosis and procedures.

Declared bankrupt or judged by the court to pay off debts: An individual who is declared bankrupt or judged by the court to pay off debts may apply for a pension to pay.

Enjoy the minimum living guarantee for urban and rural residents: individuals who live in cities or rural areas and cannot maintain their basic needs can apply for a pension and get the minimum living guarantee.

In a word, personal account pension is the part paid by individuals during their participation in endowment insurance, and it is one of the important sources of life security for individuals after retirement. Individuals need to know their own endowment insurance situation, and choose the appropriate collection method and time according to their own needs and actual situation.

Legal basis:

Social insurance law

Article 10

Employees shall participate in the basic old-age insurance, and the employer and employees shall jointly pay the basic old-age insurance premium. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium. The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.

Article 11

The basic old-age insurance combines social pooling with individual accounts. The basic old-age insurance fund consists of employers, individual contributions and government subsidies.