作为机关事业单位的退休人员，给人的印象总是养老金待遇水平比较高，远远超过企业单位退休人员，似乎已经是一种常态化，但是令人万万没有想到的是，他们有很多退休人员，竟然用两张银行卡领取退休待遇，这到底是不是真的呢？如果是两张银行卡来领取自己的退休待遇，那么岂不是拥有双份的退休养老金吗？其实对于这个问题，我们不妨来仔细看一下，究竟是什么原因？
作为机关事业单位在编人员，从2014年10月份开始缴纳了机关养老保险，也正是从这个时间段开始，同时为机关事业单位在编人员建立了职业年金待遇，也就是说2014年10月份以后，退休的事业单位人员，除了有社保养老金的待遇以外，还可以获得一份职业年金的待遇，而职业年金的待遇是可以选择不同的领取方式，可以选择一次性领取，也可以选择按月领取，甚至是可以选择按年度来领取。
而不同的领取方式，对于个人还是有很大的影响，比如说你选择一次性领取就会征收高额的个人所得税，至少20%，假如说你的职业年金账户总额是10万元，征收20%个人所得税以后。你仅仅只能够领取8万元，其余的2万元是无法到个人账户当中，所以对自己来讲有很大的损失，这样一来的话，实际上多数人甚至是绝大多数人并不会选择一次性领取，他们就会选择按月领取，这样的话每个月实际上就会有一部分的统筹外收入，也就是我们职业年金的待遇，相当于是补充养老金的待遇。
而补充养老金的待遇，它并不是由社保基金统筹内来发放，也不会通过社保卡的金融账户来发放，这项待遇通常是另外的发放形式，所以说需要重新设立一个银行账户，也就是会有两张银行卡，那么很显然有很多机关事业单位人员退休以后，确实会有两张不同的银行卡，同时也会收到两笔不同的退休待遇收入，这就是为什么机关事业单位人员，很多人都会有两张银行卡的原因，当然他们的收入水平同时也是比较高的。
其实除了这个职业年金以外，机关事业单位人员还有很多项补贴待遇，比如说退休以后的住房补贴，还有一些精神文明奖金，民族大团结奖金等等之类的，在退休以后都会正常发放。只不过会比起在职期间的待遇水平相对会少一些，但是都是属于正常发放的状态，所以也是需要重新建立一张银行卡来进行领取。
那么有两张银行卡自然是很正常的，所以说对于这个问题而言，其实很多机关事业单位的退休人员都是非常清楚的，只是我们企业单位这边，大多数人员只有退休金的待遇，往往只有一张银行卡，也就是我们的社保卡，才能够领取到退休待遇。
感谢阅读，每天讲讲退休知识那点事儿，本人专注于社保和退休领域，有喜欢我文章的小伙伴，可以加我的关注，谢谢大家。
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作者：安娜不是卡神 前言：竞合期，流量卡上下架很快，请大家多多关注安娜哈，有更多优质的流量卡套餐，安娜会第一时间进行更新哈，头像个仁简借了解更多哈。 从安娜做流量卡视频和工粽号起，…
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电信流量卡最新代表作“黄金速率29元155G+可通话”，对比移动顶配19元100G+100分钟，谁赢了？王安石借古讽今，写下千古名篇《桂枝香》，连苏轼读完都甘拜下风
作者：爱说真话的胖妞 有一说一，这次电信和移动的较量，看得小编是热血沸腾，十分得劲儿。 2位大佬最近在流量卡配置上都有了阶段性的突破。先是电信春晖卡，在20年长期29元155G的大…
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我白天做兼职，晚上卖烧烤，每天只睡3小时，成功度过失业危机
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2013年8月，我上班的工厂倒闭了，我被迫失业。有一个在“平安保险”上班的朋友正在努力升主任，差一个学员，她提着水果来我家找我“续旧”。之后；我参加了“平安”公司为期一周的培训后报…
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年轻人能读书能赚钱，16岁有什么办法赚钱！
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16岁少年开奶茶店。 今年这位年轻人16岁，开家奶茶店，刚刚补完课就来开门。提前切好抹茶慕斯蛋糕，怕等下忙了就没空切了。切蛋糕真的需要点耐心，真的非常好卖。因为大家都爱吃这款产品只…