In Jiangsu Suqian, a social security base of 10,600 yuan represents a relatively high income level. Here's an in - depth look at its standards:
- Determination basis: According to national regulations, the upper and lower limits of social security contribution base are determined as 300% and 60% of the average salary of all - caliber urban employed persons in the province in the previous year. A base of 10,600 yuan indicates that the individual's income is within the scope set by relevant regulations. If it is the individual's actual monthly average income, and it is between the upper and lower limits of the contribution base, it will be used as the contribution base; if it is higher than the upper limit, the upper limit will be applied, and if it is lower than the lower limit, the lower limit will be applied. For example, in 2024, the upper limit of the social security contribution base in Jiangsu is 24,396 yuan, and the lower limit is 4,879 yuan, and 10,600 yuan falls within this range.
- Contribution amount:
- For enterprises: If the enterprise's contribution ratio is considered, taking the enterprise's basic pension insurance as an example, the enterprise pays 16% of the total contribution base of all employees. For an employee with a contribution base of 10,600 yuan, the enterprise's monthly contribution amount for this employee's pension insurance is 10600×16% = 1696 yuan. For other insurances such as medical insurance, unemployment insurance, and work - related injury insurance, the contribution ratios also vary. For instance, the specific contribution ratio of medical insurance may be around 8% - 10% (including the proportion of personal contributions, and the enterprise's proportion is generally larger), and the enterprise also needs to pay corresponding amounts according to this base.
- For individuals: Taking basic pension insurance as an example, employees pay 8% of their contribution base. For an individual with a contribution base of 10,600 yuan, the monthly contribution amount for pension insurance is 10600×8% = 848 yuan. In addition, for medical insurance, the individual also needs to pay a certain proportion, usually around 2% of the contribution base, that is, 10600×2% = 212 yuan. There are also contributions to unemployment insurance, etc.
- Impact on benefits:
- Pension: The higher the contribution base, the more the pension benefits received in the future are likely to be. When calculating the pension, factors such as the contribution base and contribution years are considered. A contribution base of 10,600 yuan, assuming a long - term contribution, will make the individual's pension calculation base relatively high, and the calculated basic pension and personal account pension will also be relatively more.
- Medical insurance: A higher contribution base may mean a higher reimbursement ceiling and a larger personal account amount in medical insurance. The amount in the personal account can be used to pay for outpatient expenses, purchase medicines, etc., and the higher reimbursement ceiling is more conducive to dealing with serious diseases and high - cost medical treatments.
In conclusion, a social security base of 10,600 yuan in Suqian reflects a certain income level of individuals. It has an impact on both the amount of contributions paid by individuals and enterprises and the future social security benefits. If you want to know more details about specific benefits and contribution ratios, it is recommended to consult the local social security department.
