In Jiangsu Huai'an, if the social security base is 16,600 yuan, the specific amount obtained varies for different insurances:
- Pension Insurance:
- Personal Contribution: The personal contribution ratio for pension insurance is 8%. So the monthly personal contribution amount is yuan. The unit contribution ratio is 16%, and the unit's monthly contribution amount is ×8%=yuan.×16%=
- Pension Calculation at Retirement: The pension at retirement consists of basic pension and personal account pension, and some people may also have transitional pension.
- Basic Pension: The formula is . Suppose the pension calculation base is 8613 yuan (taking 2023 as an example), and if the personal average contribution index is 1 (for example, if always contributing at the base of 16600 yuan), and the contribution years are 30 years, then the basic pension is Huai′an′slatestpensioncalculationbase×(+personalaveragecontributionindex)÷×contributionyears×1%yuan.×(+)÷××1%=2583.9
- Personal Account Pension: The formula is . Assuming the contribution period is 30 years, and the annual interest rate of the personal account is 6% (hypothetical), the balance of the personal account after 30 years of contribution is approximately balanceofpersonalpensionaccountatretirement÷pensioncalculationmonthsdeterminedbyretirementageyuan. If retiring at 60 years old (the pension calculation months are 139), the personal account pension is ×××(+6%)≈yuan.÷≈7900.55
- Transitional Pension: Only applicable to those with 视同缴费年限. The formula is . Assuming the 视同缴费指数 is 1, the pension calculation base is 8613 yuan, the 视同缴费 years are 5 years, and the transitional coefficient is 1.2%, then the transitional pension is eˋ§a˚c\c¼´eˋ´ææ°×pensioncalculationbase×eˋ§a˚c\c¼´eˋ´years×transitionalcoefficientyuan.×××1.2%=516.78
- Total Pension: The total pension is approximately yuan. However, this is just an estimate, and the actual situation may vary due to factors such as changes in policy and interest rates.2583.9+7900.55+516.78=11001.23
- Medical Insurance:
- Personal Contribution: The personal contribution ratio for medical insurance is 2% + 3 yuan. So the monthly personal contribution amount is yuan. The unit contribution ratio is 10%, and the unit's monthly contribution amount is ×2%+=yuan.×10%=
- Treatment: For ordinary outpatient expenses, a certain proportion can be reimbursed within the scope of the medical insurance catalog. For inpatient expenses, after meeting the deductible, a higher proportion can be reimbursed according to different levels of hospitals and expense segments. For example, in a first - level hospital, the deductible may be 300 yuan, and the reimbursement ratio can reach 90% for expenses within the catalog; in a third - level hospital, the deductible may be 1000 yuan, and the reimbursement ratio may be 70% - 80%.
- Unemployment Insurance:
- Personal Contribution: The personal contribution ratio for unemployment insurance is 0.2%, so the monthly personal contribution amount is yuan. The unit contribution ratio is 1%, and the unit's monthly contribution amount is ×0.2%=33.2yuan.×1%=
- Treatment: If unemployed, under certain conditions (such as non - voluntary unemployment and meeting the contribution period requirements), unemployment benefits can be received. The amount of unemployment benefits is generally related to the local minimum wage standard. In Huai'an, it may be about 80% - 90% of the local minimum wage. For example, if the local minimum wage is 2000 yuan, the monthly unemployment benefit may be around 1600 - 1800 yuan.
- Work - related Injury Insurance:
- The unit contribution ratio for work - related injury insurance is between 0.5% - 2%, and the specific ratio is determined according to the risk level of the industry. For example, if the industry risk level is medium, and the contribution ratio is 1%, the unit's monthly contribution amount is yuan. Employees do not contribute.×1%=
- Treatment: In case of work - related injuries, employees can enjoy work - related injury insurance benefits, including medical expenses, disability allowances, and work - related death benefits. For example, for a first - degree disability, the one - time disability allowance may be 27 months of the employee's average monthly salary before the injury.
- Maternity Insurance:
- The unit contribution ratio for maternity insurance is 0.8%, and the unit's monthly contribution amount is yuan. Employees do not contribute.×0.8%=132.8
- Treatment: Female employees can enjoy maternity leave allowances, and the calculation method is generally the average monthly salary of the unit in the previous year divided by 30 days multiplied by the number of maternity leave days. For example, if the average monthly salary of the unit is 8000 yuan and the maternity leave is 128 days, the maternity leave allowance is yuan. In addition, maternity medical expenses can also be reimbursed within the scope of the policy.÷×≈34133.33
In conclusion, the amount obtained with a social security base of 16600 yuan in Huai'an varies for different insurances. Pension insurance has a relatively complex calculation method for future pensions, and other insurances provide corresponding protection and benefits in case of specific events. It should be noted that the above data and calculations are for reference only, and the actual situation is subject to local social security policies.
