我国的养老保险体系包括以下三部分：城镇居民社会养老保险social endowment insurance system for non-working urban residents 城镇职工养老保险体系endowment insurance system for the urban working group 新型农村社会养老保险制度new social endowment insurance system for rural residents

我国正在完善的城镇企业职工养老保险体系由三部分组成：基本养老保险basic endowment insurance system 企业年金Enterprise annuity system 个人储蓄性养老保险individual savings-funded endowment insurance system

养老保险缴费、计发的相关词汇：养老金pension 养老保险缴费基数the endowment insurance base pay 保费premium 过渡性养老金transitional pension

直至2015年1月14日，我国的养老保险制度实现了两个“双轨制”的“并轨”： 1. 养老金“城乡并轨”unifying the two separate pension systems for urban and rural residents 2. 机关事业人员与企业职工的养老金“双轨制”unifying the two separate pension systems for employees in governmental organs and public institutions and those in enterprises

1月14日的改革后，机关事业单位人员的基本养老金将由社会统筹（social pooling account）养老金与个人账户（individual account）养老金相结合。