In 2024, the upper limit of social security contribution base in Taizhou, Jiangsu is 24,396 yuan, and the lower limit is 4,879 yuan. The 7,500 - yuan base falls within this range and is relatively high among the common contribution bases. Here's a breakdown:
- Proportion in the overall range: Considering the lower limit of 4,879 yuan as 100%, 7,500 yuan is approximately 154% of the lower limit. This indicates that it is well above the minimum level, which will result in relatively high - level contributions and potentially better social security benefits in the future.
- Comparison with flexible - employment contribution grades: In 2024, for the contribution grades of flexible - employment personnel in Taizhou, there are twelve grades, such as 4,879 yuan, 6,000 yuan, 7,000 yuan, 8,000 yuan, etc. A 7,500 - yuan base is between the third grade (7,000 yuan) and the fourth grade (8,000 yuan), which is a relatively high - middle grade among flexible - employment contribution grades.
- Impact on contribution amount:
- Pension insurance: The unit contribution rate is 16%, and the individual contribution rate is 8%. If the contribution base is 7,500 yuan, the unit pays 7,500×16% = 1,200 yuan per month, and the individual pays 7,500×8% = 600 yuan per month.
- Medical insurance (including maternity insurance): The unit contribution rate is 8.5% + 0.5% (major illness assistance), and the individual contribution rate is 2%+0.3% (major illness assistance). The unit pays 7,500×(8.5% + 0.5%) = 675 yuan per month, and the individual pays 7,500×(2% + 0.3%) = 172.5 yuan per month.
- Unemployment insurance: The unit and individual contribution rates are both 0.5%. Both the unit and the individual pay 7,500×0.5% = 37.5 yuan per month.
- Work - related injury insurance: The unit contribution rate is 0.6% - 2.4% according to industry standards, and the individual does not pay. Assuming an industry rate of 1%, the unit pays 7,500×1% = 75 yuan per month.
- Impact on future benefits:
- Pension: When calculating the pension, a higher contribution base like 7,500 yuan will increase the amount of pension received in the future. Because the pension calculation is related to factors such as the average contribution index, and a higher contribution base will lead to a higher average contribution index.
- Medical insurance: A higher contribution base may also have a certain impact on the reimbursement amount and scope of medical insurance in the future, but the specific situation is also related to local medical insurance policies.
In general, a 7,500 - yuan social security base in Taizhou, Jiangsu is at a relatively high level among common contribution bases, which will bring relatively high - level contributions in the current stage and is expected to bring more favorable social security benefits in the future. However, specific benefits are also affected by local social security policies and individual contribution years.