In Jiangsu Lianyungang, if the social security base is 20,500 yuan, the amount of social security benefits obtained involves multiple aspects. Here's a breakdown:

1. Pension calculation:

• Basic pension: The formula is ​
  (Pensioncalculationbase+Indexedaveragemonthlypaymentwage)÷×Paymentyears×1%
  . The pension calculation base is related to the local average wage of on - the - job employees in the previous year. If the payment base is 20,500 yuan, the indexed average monthly payment wage is relatively high. For example, assuming the pension calculation base is 8000 yuan (hypothetical value for illustration), and the payment years are 30 years. First, calculate the index: ​
  ÷=2.5625
  . Then the basic pension ​
  =(+×2.5625)÷××1%=(+)÷××1%=
  yuan.

• Personal account pension: The formula is ​
  LaTex error
  . The calculation and payment months are determined according to the retirement age. For example, if retiring at 60 years old, the calculation and payment months are 139 months. Assuming the personal account balance is accumulated based on a monthly payment of ​
  ×8%=
  yuan for 30 years (​
  ××=
  yuan), then the personal account pension ​
  =÷≈4248.92
  yuan.

2. Medical insurance:

• Personal payment: The personal payment proportion is 2%. With a payment base of 20,500 yuan, the personal monthly payment for medical insurance is ​
  ×2%=
  yuan. This part of the payment is mainly used to pay for medical expenses within the scope of medical insurance reimbursement after hospitalization or for outpatient chronic diseases.

• Account entry: A certain amount will be entered into the personal medical insurance account. The entry amount is related to the local regulations and the age of the insured. Generally, for young people, the entry amount is a certain proportion of the personal payment amount, such as 30% - 40% of the personal payment amount may be entered into the personal account.

3. Unemployment insurance:

• Personal payment: The personal payment proportion is 0.5%. With a payment base of 20,500 yuan, the personal monthly payment for unemployment insurance is ​
  ×0.5%=102.5
  yuan.

• Benefit receipt: When unemployed, if meeting the conditions, you can receive unemployment benefits. The amount of unemployment benefits is generally related to the local minimum wage standard. For example, it may be 60% - 80% of the local minimum wage. In Lianyungang, if the minimum wage is 2000 yuan, the unemployment benefit may be around 1200 - 1600 yuan per month, and the payment period is related to the length of unemployment insurance payment.

4. Work - related injury insurance:

• Enterprise payment: The enterprise payment proportion is determined according to the industry risk category, ranging from 0.2% - 1.9%. For example, if the industry risk category is 0.5%, the enterprise monthly payment for work - related injury insurance with a payment base of 20,500 yuan is ​
  ×0.5%=102.5
  yuan. This insurance is mainly used to compensate employees in case of work - related injuries.

5. Maternity insurance:

• Enterprise payment: The enterprise payment proportion is 1%. The enterprise monthly payment for maternity insurance with a payment base of 20,500 yuan is ​
  ×1%=
  yuan. For female employees who meet the conditions, they can enjoy maternity leave benefits and maternity medical expense reimbursement. The maternity leave benefits are generally calculated based on the average wage of the unit in the previous year.

It should be noted that the above calculations are for reference only. The actual amount of social security benefits is affected by many factors such as local policies, changes in the average wage of on - the - job employees, and individual payment years. It is recommended to consult the local social security department for accurate information.