問(wen) 我的朋友已經交了(le)15年的養(yang)老(lao)保(bao)險，現在(zai)在(zai)家，沒有工(gong)作，不知道可不可以領養(yang)老(lao)保(bao)險，職工(gong)按月領取(qu)基本養(yang)老(lao)金必須具備(bei)哪些條件(jian)？

答 1.達到(dao)法(fa)定退休年(nian)(nian)齡，并(bing)已(yi)辦理退休手續(xu)； 2.所在單(dan)位和(he)個(ge)人依法(fa)參加養老保險并(bing)履行了養老保險繳(jiao)費(fei)義務； 3.個(ge)人繳(jiao)費(fei)至少(shao)滿15年(nian)(nian)(過渡期內繳(jiao)費(fei)年(nian)(nian)限包括視同繳(jiao)費(fei)年(nian)(nian)限)。目(mu)前，我(wo)國的(de)企業職(zhi)(zhi)(zhi)工(gong)(gong)法(fa)定退休年(nian)(nian)齡為：男職(zhi)(zhi)(zhi)工(gong)(gong)60歲;從(cong)事管理和(he)科研(yan)工(gong)(gong)作的(de)女職(zhi)(zhi)(zhi)工(gong)(gong)55歲;從(cong)事生產和(he)工(gong)(gong)勤輔助(zhu)工(gong)(gong)作的(de)女職(zhi)(zhi)(zhi)工(gong)(gong)50歲，自由職(zhi)(zhi)(zhi)業者、個(ge)體工(gong)(gong)商戶女年(nian)(nian)滿55周歲。