In Jiangsu Lianyungang, a social security base of 6700 yuan falls within the range of middle-level standards. Here's a detailed breakdown:
- Upper and lower limits of social security base: As of 2024, the upper limit of the social security contribution base in Lianyungang is 24,396 yuan, and the lower limit is 4,879 yuan. A base of 6700 yuan is higher than the lower limit but significantly lower than the upper limit, indicating that it is in a mid-range position.
- Determination of contribution amount:
- For employees: The social security contributions are shared between the employer and the employee. For example, for the basic pension insurance, the employer usually contributes a certain percentage (such as around 16% in some cases), and the employee contributes around 8%. With a base of 6700 yuan, the employer's contribution for pension insurance would be approximately 6700×16% = 1072 yuan, and the employee's contribution would be 6700×8% = 536 yuan. Similar calculations apply to other social insurance types like medical insurance, unemployment insurance, etc., with different contribution ratios for each.
- For flexible employees: They are responsible for the full social security contribution. For instance, if the contribution rate for pension insurance is 20%, then with a base of 6700 yuan, the monthly pension insurance contribution would be 6700×20% = 1340 yuan.
- Impact on benefits:
- Pension benefits: In the future, when calculating the pension, a higher contribution base like 6700 yuan (compared to the lower limit) generally leads to a higher pension amount. The pension calculation is related to factors such as the average contribution index over the years and the cumulative contribution period. A relatively high base of 6700 yuan helps increase the average contribution index, which in turn increases the basic pension and individual account pension components.
- Medical insurance benefits: A 6700 - yuan base may result in a higher reimbursement ceiling in medical insurance and a relatively larger amount in the personal medical account (where applicable), providing better medical security.
In conclusion, a social security base of 6700 yuan in Lianyungang is at a mid - level position, affecting the amount of contributions paid and the corresponding future social security benefits. It is important for individuals to understand these implications based on their own economic situations and career plans.
