問 我的(de)朋友(you)已經交了15年的(de)養老(lao)(lao)保險，現在(zai)在(zai)家，沒(mei)有工(gong)作，不知(zhi)道(dao)可不可以(yi)領養老(lao)(lao)保險，職工(gong)按(an)月領取基(ji)本(ben)養老(lao)(lao)金必須(xu)具(ju)備(bei)哪些條件？

答 1.達(da)到法(fa)定退(tui)(tui)休(xiu)年(nian)(nian)(nian)齡(ling)，并已辦理(li)退(tui)(tui)休(xiu)手續； 2.所(suo)在單位和個(ge)(ge)人(ren)依(yi)法(fa)參加養老保險并履行了養老保險繳(jiao)(jiao)費(fei)(fei)義(yi)務； 3.個(ge)(ge)人(ren)繳(jiao)(jiao)費(fei)(fei)至(zhi)少滿(man)15年(nian)(nian)(nian)(過(guo)渡期內繳(jiao)(jiao)費(fei)(fei)年(nian)(nian)(nian)限包括視同繳(jiao)(jiao)費(fei)(fei)年(nian)(nian)(nian)限)。目前，我國的(de)企業職(zhi)工(gong)(gong)法(fa)定退(tui)(tui)休(xiu)年(nian)(nian)(nian)齡(ling)為：男職(zhi)工(gong)(gong)60歲;從事管理(li)和科研工(gong)(gong)作的(de)女(nv)職(zhi)工(gong)(gong)55歲;從事生(sheng)產和工(gong)(gong)勤(qin)輔助(zhu)工(gong)(gong)作的(de)女(nv)職(zhi)工(gong)(gong)50歲，自由職(zhi)業者(zhe)、個(ge)(ge)體(ti)工(gong)(gong)商戶女(nv)年(nian)(nian)(nian)滿(man)55周歲。