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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最近在单位一向爱说爱笑的云哥像变了个人，上班期间总是一副愁眉苦脸的样子。还时不时请假往银行跑，趁午饭前的间隙，我忙问发生了什么事，没想到他直接来了一个叹气三连直呼“太难了”。 原来…
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