In Jiangsu Suqian, if the social security base is 19,800 yuan, the amount received varies across different insurances:
- Basic Pension Insurance:
- For Employers: They contribute at a rate of 16% of the base. So, the monthly contribution is yuan.×16%=
- For Employees: They contribute at a rate of 8% of the base. Thus, the monthly contribution is yuan. For employees, this amount is deducted from their salary. When it comes to pension receipt after retirement, it is related to factors such as contribution years and the pension calculation method in Suqian. The formula generally involves components like the basic pension and personal account pension. The basic pension is related to the average wage of employees in the province and the individual's average contribution index, and the personal account pension is the accumulated amount in the personal pension account divided by the corresponding 计发 months (related to the retirement age).×8%=
- Basic Medical Insurance:
- For Employees: The contribution rate is 2% of the base. So, the monthly contribution is yuan. This part of the money is mainly used to pay for medical expenses such as outpatient consultations, examinations, and drug purchases. After reaching the deductible line set by the local area, a certain proportion can be reimbursed.×2%=
- For Employers: Their contribution goes entirely into the overall planning fund, which is used to reimburse the inpatient medical expenses of employees and other related medical costs. The specific reimbursement ratio and scope vary according to local policies, including regulations on different levels of hospitals and different types of diseases.
- Unemployment Insurance: The contribution rate for unemployment insurance in Jiangsu is generally relatively low. Although the specific rate may be adjusted according to policies, assuming a rate of 0.5% for employees and 0.5% for employers (rates are subject to actual local policies).
- For Employees: The monthly contribution is yuan.×0.5%=
- For Employers: The monthly contribution is also yuan. When employees lose their jobs under certain conditions, they can receive unemployment benefits. The amount and duration of unemployment benefits are determined based on factors such as the length of contribution and local policy regulations.×0.5%=
- Work-related Injury Insurance: The contribution rate for work - related injury insurance varies according to different industries, with rates ranging from 0.2% to 1.9% in general. Suppose the industry's contribution rate is 0.5% (for example).
- For Employers: The monthly contribution is yuan. Employees do not need to contribute to work - related injury insurance. In case of work - related injuries, employees can receive compensation for medical expenses, disability allowances, and other benefits according to the degree of injury and local work - related injury insurance policies.×0.5%=
- Maternity Insurance: Usually, the contribution rate is around 1% (subject to local policies).
- For Employers: The monthly contribution is yuan. Employees do not contribute. Female employees can enjoy maternity leave benefits, maternity allowances (calculated based on the average wage of the employer in the previous year or the individual's contribution wage), and reimbursement of maternity - related medical expenses.×1%=
In conclusion, with a social security base of 19,800 yuan in Suqian, the contribution amounts for different insurances are as calculated above. The actual benefits received are affected by various factors such as policy regulations, contribution years, and specific circumstances of employees. It is recommended to consult the local social security department for accurate information.
