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只要人活着,就能无限期领养老金吗?不知道就亏大了!

2017-06-19 10:17:12   

社保问题越来越受到重视。最近,有粉丝咨询思之想之,是不是只要人还在世,就可以一直领取养老金呢?

对于累计缴满养老保险15年,并达到法定退休年龄的人来说,退休后可以按月领取养老金。只要你没死,即便个人账户养老金已经领完,你仍然可以按月领取养老金,而且养老金每年还会上涨。

也就是说,养老金待遇的领取是无限期的,只要人活着就能领,所以,活得越长,养老金领得就越多,也就更划算。

不过,凡事都有例外,如果你发生以下两种情况,将不能领取养老金或者被暂停发放养老金。(更多社保问题,请关注“思之想之”)

一是退休人员被判处拘役、有期徒刑及以上刑罚或被劳动教养的,停发基本养老金,期满后可继续发给基本养老金,并参加以后的基本养老金调整。

二是退休人员如果没有按时进行养老金领取资格验证(每年进行一次),那么就会被社保机构暂停发放养老金,只有进行养老金年审之后,才能继续发放并补发被暂停期间的养老金。

可能还会有人问,如果退休后去世后,养老金没领完,会被充公吗?这个你大可放心,养老金不会被充公,是可以继承的。

按照规定,离退休人员死亡时,如果其个人账户尚存余额,余额中个人缴费本息可以继承。

可以继承多少养老金呢?离退休人员死亡时,继承额=离退休人员死亡时个人账户余额×离退休时个人账户中个人缴费本息占个人账户全部储存额的比例。继承额一次性支付给亡者生前指定的受益人或者法定继承人。

国家公布的数据显示,2015年中国居民人均预期寿命达到76.34岁,所以,希望大家健康长寿,多多领取养老金!(更多社保问题,请关注“思之想之”)

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