Can the money for the universal pension be taken out halfway?

The money in the national insurance is placed in the pension account, in addition to the dividend account, the current month of insurance, the next month can participate in dividends (need to be insured for a full month), can be flexibly used, when there is a need to take it out. As for the money in the pension account, it is specially prepared for the elderly, and the special funds are used for special purposes, and they cannot be diverted for other purposes before the specified age, and they can only be taken out for the elderly when they reach the specified age. Part of it, that is, the money in the dividend account can be taken out, it is a monthly dividend, you can choose to take it out and spend it, or you can put it inside, and then take it out when there is an emergency.

As for the money that has been paid will enter the pension account, this money is earmarked, that is, to save money for the future pension, it is also mandatory to save pension money for yourself, now people are less self-disciplined, I think the choice of national insurance to lay a foundation for their own pension, very good.

1. The state stipulates that pensions can be withdrawn if one of the following conditions is met: 1. The contributor dies; 2. Men who have reached retirement age are 60 years old and women are 50 years old; 3. Pay the fee for immigration. 2. Under normal circumstances, the rural household registration can be applied for, while the urban household registration can only be transferred.

However, it should be noted that the cost of pension insurance is managed by two accounts, that is, the personal account of the pension insurance paid by the individual employee and the overall account of the pension insurance paid by the unit for the employee. Most of the money is in the overall account, and the money in the personal account is not much, and only a part of the personal account can be withdrawn, which is even less, generally ranging from a few thousand yuan to several hundred yuan, depending on the payment time period and payment grade. 3. The information required for the withdrawal of pension can be applied to the local social security bureau according to their actual situation, and the application procedures include their ID card, surrender application, and payment of social security (pension book, medical insurance card) and other materials.

And can only retire pension, medical insurance. Fourth, the pension instructions to withdraw the pension, can only withdraw the personal account part, take the insurance handbook to the social insurance institution to go through the surrender procedures can withdraw the personal account part. If you have paid contributions for 15 years, you can receive a pension, but the standard for calculating the pension starts from the year in which you stop paying contributions (in this case, it is better not to receive the personal part).

If you have paid contributions for less than 15 years and have received your personal portion, you will not be able to receive a pension in the future. In the event of death before retirement (60 years for men and 50 years for women), relatives can only receive part of their personal account and can no longer receive a pension. If you die after retirement, even if you receive a pension for only one month, you will no longer be able to receive your personal part.

I should provide my ID card, pension insurance handbook, personal application and other materials to the local social security bureau in the month of retirement to go through the pension procedures. Before the 15th of the following month, the Social Security Bureau will allocate the pension of the relevant retirees to the pension passbook opened by the retiree, and the retiree will collect it at the bank outlets with the passbook.

It is possible to take it, but it is better not to take it. If you take it, you will lose the part of the pension that the state should give you, and the pension is still a kind of financial product, if you are not in urgent need of funds, it is best not to take it. The parties can apply to the local social security bureau according to their actual situation, and the procedures include their ID card, application for surrender, payment of social security (pension book, medical insurance card) and other materials.

If you meet the conditions for receiving the pension, you can receive a pension: 1. According to the spirit of the document "Reply to the Meaning of the "Statutory Retirement Age" for Enterprise Employees of the General Office of the Ministry of Labor and Social Security (Lao She Ting Han [2001] No. 125), "the national statutory retirement age for enterprise employees" refers to the normal retirement age prescribed by the national law, that is: "men are over 60 years old, female workers are over 50 years old, and female cadres are at least 55 years old".

2. In general, the pension insurance of employees must be paid for more than 15 years, that is to say, the pension insurance must be paid for 15 years and at the same time reach the national statutory retirement age, you can receive the pension insurance, and the two must be met at the same time. 3. It is recommended to consult the local labor and social security department for specific situations, and they will tell you when to receive the pension insurance according to your actual situation. 4. The minimum number of years of pension insurance contributions has been 15 years, and you can receive a pension after retirement.

The pension insurance payment period is cumulatively calculated, and there is a gap in the middle. As long as you have paid for 15 years and reached the retirement age, you can receive a pension, and if you have not paid 15 years of retirement, you can also receive a pension if you have paid a lump sum for 15 years. 5. The current national policy is that you need to pay for 15 years, if you are affiliated with the unit to insure, as long as you pay a small part (the unit helps you pay most of it) if you are in the way of flexible employment, you have to pay your own fees.

However, there is no requirement to pay for 15 consecutive years, as long as there is a record you can renew the previous payment, but if you want to receive a pension, you must pay for 15 years (or the total amount required for 15 years) to enjoy the pension benefits. In addition, there is now a kind of convenience for households with financial difficulties, which can be paid at one time (about 40,000 yuan), but the monthly receipt is relatively much less (about 400 yuan), and you can go to the Social Security Bureau for consultation.