In Jiangsu Suqian, if the social security base is 21,300 yuan, here's an analysis of what you can get:
- Pension calculation:
- Basic pension: The formula is Suqian's latest pension calculation base × (1 + personal average contribution index) ÷ 2 × contribution years × 1%. With a base of 21,300 yuan, if the contribution index is calculated based on this base, and assuming a certain number of contribution years, it will have a significant impact on the basic pension. For example, if the contribution years are 30 years and the pension calculation base is 7,000 yuan (hypothetical value for illustration), and the average contribution index is 3 (due to the high base of 21,300 yuan), the basic pension = yuan.×(+)÷××1%=
- Personal account pension: The formula is the balance of the pension personal account at retirement ÷ the number of months of payment determined by the retirement age. With a high contribution base of 21,300 yuan, the amount deposited into the personal account each month will be relatively high. Assuming a contribution period of 30 years, and the monthly personal contribution to the pension is yuan. Over 30 years (360 months), the total contribution to the personal account is approximately ×8%=yuan. If retiring at 60 years old (with a 计发月数 of 139 months), the personal account pension = ×=yuan.÷≈
- Medical insurance account: For 在职 employees, the personal contribution to medical insurance is 2% of the contribution base. So, with a base of 21,300 yuan, the monthly amount deposited into the medical insurance personal account is yuan. This amount can be used for medical expenses such as seeing a doctor and buying medicine.×2%=
- Unemployment insurance: The personal contribution rate is 0.5%. So, the monthly contribution amount is yuan. In case of unemployment, certain unemployment benefits can be obtained according to relevant regulations, and the specific amount is related to factors such as contribution years.×0.5%=106.5
- Work-related injury insurance and maternity insurance: Employees do not contribute personally. For work-related injury insurance, the employer's contribution rate is 0.88% (varies by industry), and for maternity insurance, the employer's contribution rate is 1%. These insurances provide corresponding guarantees in case of work-related injuries and maternity.
In general, with a social security base of 21,300 yuan in Suqian, the pension and medical insurance account income will be relatively high. However, the actual amount obtained also needs to comprehensively consider factors such as contribution years, retirement age, and local social security policies. It is recommended to consult the local social security department for more accurate information.
