問 我是淄博(bo)一(yi)家公司的員工(gong)，我想了解一(yi)下，商(shang)業養老保險是什(shen)么(me)啊？

答(da) 你(ni)好，商業(ye)養老(lao)(lao)保(bao)(bao)險(xian)(xian)(xian)(xian)是(shi)以獲得養老(lao)(lao)金(jin)(jin)為主要目的(de)(de)的(de)(de)長期人身險(xian)(xian)(xian)(xian)，它是(shi)年金(jin)(jin)保(bao)(bao)險(xian)(xian)(xian)(xian)的(de)(de)一種特殊(shu)形式，又稱為退(tui)休金(jin)(jin)養老(lao)(lao)保(bao)(bao)險(xian)(xian)(xian)(xian)，是(shi)社(she)會養老(lao)(lao)保(bao)(bao)險(xian)(xian)(xian)(xian)的(de)(de)補充。商業(ye)性養老(lao)(lao)保(bao)(bao)險(xian)(xian)(xian)(xian)的(de)(de)被保(bao)(bao)險(xian)(xian)(xian)(xian)人，在交納了一定的(de)(de)保(bao)(bao)險(xian)(xian)(xian)(xian)費(fei)以后(hou)，就可以從一定的(de)(de)年齡開始領取養老(lao)(lao)金(jin)(jin)。