問 我一直沒有正式的工作(zuo)，保(bao)險都是斷(duan)斷(duan)續續交的，參保(bao)人符合哪(na)些條(tiao)件，可申請按月領取基本養老金？

答 參(can)保(bao)人符合下(xia)列條件之(zhi)一的(de)(de)(de)，可(ke)申(shen)請按月(yue)(yue)(yue)領取基(ji)本(ben)(ben)養(yang)老(lao)金： （1）1998年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)7月(yue)(yue)(yue)1日(ri)(ri)后參(can)加(jia)基(ji)本(ben)(ben)養(yang)老(lao)保(bao)險，達到國(guo)家(jia)規(gui)(gui)定(ding)的(de)(de)(de)退休年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)齡(ling)，累計繳(jiao)費 年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)限(xian)（含視(shi)同繳(jiao)費年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)限(xian)，下(xia)同）滿15年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)的(de)(de)(de)； （2） 1998年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)6月(yue)(yue)(yue)30日(ri)(ri) 前(qian)(qian)(qian)參(can)加(jia)基(ji)本(ben)(ben)養(yang)老(lao)保(bao)險， 2013年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)6月(yue)(yue)(yue)30日(ri)(ri) 前(qian)(qian)(qian)達到國(guo)家(jia)規(gui)(gui)定(ding) 的(de)(de)(de)退休年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)齡(ling)，累計繳(jiao)費年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)限(xian)滿10年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)的(de)(de)(de)； （3）1998年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)6月(yue)(yue)(yue)30日(ri)(ri)前(qian)(qian)(qian)參(can)加(jia)基(ji)本(ben)(ben)養(yang)老(lao)保(bao)險，2013年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)7月(yue)(yue)(yue)1日(ri)(ri)后達到國(guo)家(jia)規(gui)(gui)定(ding)的(de)(de)(de)退休 年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)齡(ling)，累計繳(jiao)費年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)限(xian)滿15年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)的(de)(de)(de)； （4）1998年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)6月(yue)(yue)(yue)30日(ri)(ri)前(qian)(qian)(qian)應(ying)參(can)加(jia)未參(can)加(jia)基(ji)本(ben)(ben)養(yang)老(lao)保(bao)險，1998年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)7月(yue)(yue)(yue)1日(ri)(ri)以后辦理參(can)保(bao) 補(bu)繳(jiao)手續，達到國(guo)家(jia)規(gui)(gui)定(ding)的(de)(de)(de)退休年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)齡(ling)，累計繳(jiao)費年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)限(xian)滿15年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)的(de)(de)(de)。