Pension arrears due to the bankruptcy of an employer can be settled through the following channels: 1. File a claim with the employer: If the employer goes bankrupt or closes down, you can apply for a claim with the Labor and Social Security Bureau where the enterprise is located.

When applying, you need to provide relevant materials, such as labor contracts, social security payment certificates, etc., to prove your personal pension insurance arrears; 2. File a lawsuit with the court: If the employer is unable to compensate, you can file a lawsuit with the court.

After the court judgment, the arrears of pension insurance premiums can be recovered through enforcement procedures; 3. Apply for government subsidies: In some special circumstances, the government will provide pension insurance arrears subsidies.

Specific subsidy conditions and standards need to be determined according to local policies and regulations.

The conditions for personal account pension payment are as follows: 1. Age conditions: Personal account pension payment targets active employees between 16 and 60 years old, the retirement age for men is 60 years old, and the retirement age for women is 50 years old (except for special occupation personnel); 2.

Participating status: Personal account pension payment objects are working employees and flexible employment personnel, and payment needs to be made at local social security institutions or social security agencies; 3. Payment base: The payment base for personal account pensions is stipulated by the local government, and shall be paid at the time of payment.

It remains stable during the period and is generally the payment base for participating in the local urban employee basic pension insurance; 4. Payment period: The payment period for personal account pensions is 15 years and above, but the specific payment period must be determined according to local policies.

To sum up, the conditions for personal account pension payment may be different in different regions. It is recommended to carefully understand the local policies and regulations before making payment.

In addition, freelancers and non-employed employees can choose a pension security method that suits them based on their personal circumstances.

Legal basis: Article 12 of the "Social Insurance Law of the People's Republic of China" The employer shall pay basic pension insurance premiums in accordance with the proportion of the total wages of its employees stipulated by the state, and record them into the basic pension insurance pooling fund.

Employees should pay basic pension insurance premiums in accordance with the proportion of their wages stipulated by the state and record them into their personal accounts.

Article 15 The basic pension consists of the overall pension and the personal account pension.

The basic pension is determined based on the individual’s cumulative contribution years, contribution salary, average salary of local employees, personal account amount, average life expectancy of the urban population and other factors.