个人养老保险以城乡居民作为保险对象的一种人身保险。凡年龄在16周岁以上,身体健康能正常工作或劳动的城乡居民,均可作为被保险人向保险公司投保。 个人养老保险的保险期限包括保险费缴费期和养老金额领取期。保险费缴费期从被保险人办理投保手续,并交纳第一期保险费起,至约定缴费期满为止;养老金领取从被保险人约定的缴费期满的次月起,至保险人保险责任终止时止。
在规定企业和个人按一定比例缴纳养老保险费的同时,允许企业和职工个人在规定比例之外再可以自愿缴费到个人账户。
In addition to the old-age insurance fee required to be paid by enterprises and individuals in a certain proportion, an extra amount is allowed to add to their accounts on a voluntary basis.
欠费企业职工,将单位和个人欠缴的养老保险费补齐后,可以办理退休手续。
Owe fee business worker, after the endowment insurance fei buqi that owes unit and individual pay, can deal with emeritus formalities.
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