Both the National Pension and the Employees' Pension can only provide pensions that are refundable to a maximum of 3 years, that is, 36 months.

Legal basis: Article 2 of the "Enterprise Annuity Measures" The term "enterprise annuity" as mentioned in these Measures refers to the supplementary pension insurance system independently established by enterprises and their employees on the basis of participating in basic pension insurance in accordance with the law.

.The state encourages enterprises to establish enterprise annuities.

.The establishment of enterprise annuity shall be implemented in accordance with these Measures.

Article 3 The fees required for enterprise annuity shall be paid jointly by the enterprise and individual employees.

.The enterprise annuity fund is fully accumulated, and a personal account is established for each employee participating in the enterprise annuity, and is invested and operated in accordance with relevant national regulations.