the pension gap refers to the situation that the income of the pension insurance fund cannot meet the expenditure, which is divided into three situations:

1. The income and expenditure gap in the current period (year);

2. The income and expenditure gap left by history is the so-called historical debt;

3. Future revenue and expenditure gap, that is, it is predicted that the income may not exceed the expenditure after several years.

The payment methods of personal pension are as follows:

1. Generally, the payment is made by bank card transfer. You can build a local bank card and deposit money into the card on a monthly basis at your place of work. The same area of the bank is not considered as a deposit in another place; If you participate in the endowment insurance for enterprise employees, the enterprise unit will deduct the corresponding expenses from the monthly salary.

2. The amount of pension paid by the company is related to the payment of wages. Individuals need to pay 8%, the company needs to pay 2%, and the company will automatically deduct 8% of the individual's monthly salary, and then the financial department of the company will pay the pension insurance for the month.

conditions for receiving individual pension:

1. Reaching the age of receiving basic pension;

2, completely lose the ability to work;

3. Go abroad and settle down;

4. other circumstances stipulated by the state.

Legal basis: Article 1 of the Social Insurance Law of the People's Republic of China

Employees shall participate in the basic old-age insurance, and both the employer and the employee shall pay the basic old-age insurance premium. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium. The measures for endowment insurance for civil servants and staff managed with reference to the Civil Service Law shall be formulated by the State Council.