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老师职业年金什么意思
释义
职业年金是只限于机关事业单位人员的一种补充养老保险。按单位8%和个人4%存入养老保险个人账户。退休后,有两种方法(任选一种)领取:一是全部购买商业保险,按约定每月领取。二是按退休法对应的计发月数发,发完为止。
领取职业年金的方法有如下几种:
退休后一次性购买商业养老保险产品,然后按保险约定按月领取待遇;
退休后选择按退休时对应的计发月数计发,发完为止;
出国(境)定居,可一次性支付给本人;
在职期间去世,其职业年金个人账户余额可以继承。
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更新时间:2026/1/12 14:38:29