In Huai'an, Jiangsu, a social security base of 14,700 yuan is a relatively high level. Here's what it means:
- High - end income representation: The social security contribution base in Huai'an is determined based on the average wage of employees in the previous year. A base of 14,700 yuan usually indicates that the income level of the individual is relatively high, close to or even reaching the upper limit of the local social security contribution base. For example, in 2024, the upper limit of the social security contribution base in Huai'an is 24,396 yuan. This income level often belongs to high - income groups in the local area, such as some senior management in enterprises, professionals with high - value - added skills.
- Contribution amount:
- Pension insurance: For employees, the unit contribution rate is 16%, and the individual contribution rate is 8%. If the social security base is 14,700 yuan, the unit pays 14700×16% = 2352 yuan per month, and the individual pays 14700×8% = 1176 yuan per month. For self - employed individuals and flexible - employment personnel, the contribution rate is 20%, and they need to pay 14700×20% = 2940 yuan per month.
- Medical insurance: The unit contribution rate is 9%, and the individual contribution rate is 2% (plus 10 yuan for serious illness insurance). The unit pays 14700×9% = 1323 yuan per month, and the individual pays 14700×2%+10 = 304 yuan per month. For flexible - employment personnel, they pay 14700×9%+8 = 1331 yuan per month.
- Unemployment insurance: The unit contribution rate is 1.5%, and the individual contribution rate is 0.5%. The unit pays 14700×1.5% = 220.5 yuan per month, and the individual pays 14700×0.5% = 73.5 yuan per month.
- Maternity insurance: The unit contribution rate is 0.8%, and the unit pays 14700×0.8% = 117.6 yuan per month. Employees do not contribute.
- Work - related injury insurance: The unit contribution rate varies according to industry risk levels. For example, if the contribution rate is 0.5%, the unit pays 14700×0.5% = 73.5 yuan per month. Employees do not contribute.
- Impact on future treatment:
- Pension: A higher social security contribution base means that more funds are accumulated in the personal pension account during the payment period. When calculating the pension, the amount of the basic pension and the personal account pension will be relatively high. For example, the basic pension is related to the average wage of employees in the local area and the individual's contribution index. A high - contribution base leads to a high - contribution index, thus increasing the amount of the basic pension. The personal account pension is directly related to the amount in the personal account, and a high - contribution base means more deposits in the personal account, resulting in a higher personal account pension.
- Medical insurance: Although the reimbursement ratio of medical insurance is mainly determined by policies, a higher contribution base may be related to a higher reimbursement ceiling in some cases. For example, some regions may adjust the reimbursement ceiling of medical insurance according to the contribution amount, which means that individuals with a high - contribution base may enjoy a higher reimbursement amount when they need medical treatment.
In general, a social security base of 14,700 yuan in Huai'an reflects a relatively high income level of individuals, and also means that more contributions need to be made in the current period, but it will also bring relatively high social security benefits in the future. When choosing the social security contribution base, individuals should comprehensively consider their actual income, financial plans, and future needs.
