Joint pension annuity for married couples and close relatives is a new insurance product that allows close relatives or spouses to pool their savings and receive lifetime payments without waiting for official retirement. Married couples can use this product if one spouse does not have enough pension savings to purchase a pension annuity, and the other has a surplus. Let us recall that the retirement age in the Republic of Kazakhstan for men is 63 years old, for women in 2023 - at 61 years old. But you do not have to wait for retirement age and apply for a pension annuity. However, to do this, you need to have a sufficient amount of savings in the ENPF. This amount varies depending on the gender and age of the depositor. Men can start receiving pension annuity payments from an insurance company from the age of 55, and women - from the age of 53. 

  Benefits of a Retirement Annuity :

The possibility of receiving pension payments without waiting for the statutory retirement age;

Lifetime annuity payments;

Possibility of establishing a guaranteed period of payments for heirs;

Annual indexation of annuity payments;

  Possibility of receiving a pension from three sources :

Basic state pension;

Solidarity pension (work experience up to 1998);

Lifetime annuity payments from JSC "KSZH "GAK";

Payments from the pension fund upon reaching retirement age

(the insured person can continue to work and accumulate pension contributions in

ENPF);