45歲的中國籃球巨星姚明正式開始領取NBA退休金，每月領取1,838美元，折合每年約2.2萬美元，約合人民幣15.7萬元。根據NBA的退休金規定，球員只要年滿45歲，且在聯盟效力滿3個賽季，就可以開始領取退休金。姚明在NBA共效力9個賽季，今年已滿45歲，因此已經符合領取資格。

NBA的退休金計劃自1965年起實施，旨在保障退役球員的生活。任何在NBA效力滿三年的球員，每月都可獲得退休金支付，並享有其他福利，如終身醫療保障、大學學費報銷計劃等。NBA對效力年限的定義是，球員在NBA賽季期間至少參加一場比賽（無論是否出場），即可計為一年服務年限。

球員最早可以在45歲開始領取退休金，但由於提前領取，退休金數額會相對減少。為獲得最高退休金，NBA建議球員將領取時間延遲至 62歲。球員可以在三個方案中選擇：

• 方案一：45至50歲開始領取，每月退休金為 306.24 美元 × 效力年限 × 2/3；
• 方案二：50至62歲開始領取，每月退休金為 306.24 美元 × 效力年限；
• 方案三：62歲以上開始領取，每月退休金為 1,666.7 美元 × 效力年限。

姚明作為中國籃球的代表人物，他正式開始領取NBA退休金，不僅象徵著其職業生涯的完滿結束，也展現NBA對球員生涯保障制度的完善與長期規劃。

Chinese basketball legend Yao Ming has officially begun receiving his NBA pension at the age of 45, amounting to $1,838 per month, or roughly $22,000 per year, equivalent to about 157,000 RMB. According to NBA pension rules, players who have reached the age of 45 and have served at least three seasons in the league become eligible to start collecting their retirement benefits. Having played nine seasons in the NBA and now turning 45, Yao meets the requirements to receive the pension.

The NBA pension plan, established in 1965, provides long-term financial security for retired players. Any player who has served at least three seasons is entitled to monthly pension payments and additional benefits, such as lifetime health coverage and a college tuition reimbursement program. The league defines a year of service as participating in at least one game during an NBA season, regardless of whether the player actually steps on the court.

While players can start receiving their pension at age 45, early withdrawal results in reduced monthly payments. To maximize pension benefits, the NBA recommends delaying withdrawals until age 62. Players can choose from three options:

• Option 1: Age 45–50, monthly pension = $306.24 × years of service × 2/3;
• Option 2: Age 50–62, monthly pension = $306.24 × years of service;
• Option 3: Age 62 and above, monthly pension = $1,666.70 × years of service.

As a representative figure in Chinese basketball, Yao Ming beginning to collect his NBA pension not only marks the formal conclusion of his professional career but also highlights the league’s comprehensive system for ensuring long-term player security and retirement planning.