In 2025, the upper limit of the social security contribution base in Nantong, Jiangsu is 22,078 yuan, and the lower limit is 4,416 yuan. A social security base of 12,600 yuan falls within this range and is considered a medium - high level. Here's an in - depth analysis:
- For Employee - Employer Contributions
- Pension Insurance: The employer contributes at a rate of 16% of the base, which for a 12,600 - yuan base amounts to yuan per month. The employee contributes 8%, which is ×16%=yuan per month. A higher base means more is contributed to the pension account, potentially leading to a higher pension payout in the future.×8%=
- Medical Insurance: The employer pays around 10% (yuan), and the employee pays 2% (×10%=yuan). This higher contribution results in a larger personal medical account balance and potentially better medical reimbursement in the future.×2%=
- Unemployment Insurance: The employer contributes 1% (yuan), and the employee contributes 0.2% (×1%=yuan).×0.2%=25.2
- Work - related Injury Insurance: Paid entirely by the employer, with a rate usually ranging from 0.6% - 3.6%. Assuming a 1% rate, the contribution would be yuan.×1%=
- Maternity Insurance: Paid by the employer at a rate of 0.3%, which is yuan.×0.3%=37.8
- For Flexible - employed Individuals
- If a flexible - employed person chooses a 12,600 - yuan base for pension insurance, they need to pay 20% of the base, which is yuan per month. This high contribution level will lead to a relatively high pension entitlement upon retirement.×20%=
- For medical insurance, if calculated based on the general practice of flexible - employed individuals, assuming a certain rate, a higher base will also mean more contributions but better medical security.
In summary, a 12,600 - yuan social security base in Nantong, Jiangsu indicates a relatively high - income level or a choice to obtain more comprehensive future social security benefits. Whether for employees or flexible - employed individuals, it results in higher current contributions but potentially more substantial social security returns in the long run.
