男子买“60岁后按月领取50万元”保险，缴费30年后仅领一个月便遭拒，保险公司：“一次性领取”误写成“按月领取”

据第一现场报道，近日，广东深圳的陈先生向记者爆料称，自己缴的养老保险，在到期兑现时却遭保险公司拒付。

A Shenzhen resident has filed a lawsuit against an insurance company that refused to pay his pension benefits as stated in a policy he had maintained for 30 years, after the insurer claimed the contract terms were the result of a clerical error. 

据了解，1995年，陈先生花费4055元（经换算相当于现在的43000元）购买了一份养老保险，坚持缴费30年。可当他年满60岁满心欢喜等待兑现时，却遭遇了“罗生门”：保单上白纸黑字明确写着“60岁后按月领取50万”，但他仅收到首月款项后，保险公司便拒绝继续支付。

The policyholder, surnamed Chen, purchased an endowment insurance policy in 1995 for 4,055 yuan, equivalent to roughly 43,000 yuan in today's purchasing power. He made premium payments consistently for three decades. When he turned 60 and went to collect his benefits, the policy clearly stated: "Receive 500,000 yuan monthly after age 60."

However, after receiving only the first monthly payment, the insurance company stopped all further disbursements.

面对质疑，保险公司回应称，当年因设备不完善，员工录入疏忽将“一次性领取”误写成了“按月领取”，属于操作失误，而且当年经手的员工已经“不知所踪”。

The insurer later explained that the discrepancy arose from an entry error made by an employee decades ago, when record‑keeping equipment was less advanced. According to the company, the employee mistakenly typed "monthly payment" instead of "lump‑sum payment", and that staff member has since left the firm and cannot be traced.

然而，陈先生及其代理律师对此并不买账。律师指出，保单上没有任何容易引起异议的词语，保险公司理应给出合理解释。更关键的是，即便保单存在错误，依据相关规定，保险公司行使纠正权或撤销权的期限最长为5年。该保单1995年投保，纠正期最迟在2000年就已灭失。

Chen and his legal counsel rejected that explanation. His lawyer pointed out that the policy wording contains no ambiguous language that could reasonably be misinterpreted, and that the insurer should therefore honour the contract.

The lawyer also argued that even if the policy contained an error, relevant regulations give the insurer a maximum of five years to exercise its right to correct or rescind the contract. Since the policy was issued in 1995, that correction window would have expired by 2000 at the latest.

这起跨越30年的保单纠纷，不仅关乎普通人的养老钱，更是对契约精神的考验。目前，陈先生委托律师向法院提起了诉讼，该案件将于7月13日在深圳市宝安区人民法院开庭审理。

Chen has now turned to the courts, and his lawsuit is scheduled for trial in mid‑July.