In Hangzhou, Zhejiang, a social security base of 8100 yuan falls within the normal wage - based contribution range. Here's an in - depth look:
- Relationship with the base range: In 2025, the minimum social security contribution base in Hangzhou is 4812 yuan per month, and the maximum is 24930 yuan per month. A base of 8100 yuan is higher than the minimum, indicating that the income level of the contributor is above the minimum standard set by the local government. It is also well below the upper limit, suggesting that the contributor is not in the high - income bracket subject to the maximum contribution limit.
- Calculation of contribution amount:
- For employees:
- Pension insurance: The employee contribution rate is 8%. With a base of 8100 yuan, the employee needs to contribute 8100×8% = 648 yuan per month. The employer's contribution rate is 14% (in 2024 - 2025), so the employer contributes 8100×14% = 1134 yuan per month.
- Medical insurance (including maternity insurance): The employee contribution rate is 2%, so the employee pays 8100×2% = 162 yuan per month. The employer's contribution rate is 9.5%, and the employer contributes 8100×9.5% = 769.5 yuan per month.
- Unemployment insurance: Both the employee and the employer contribute at a rate of 0.5%. So, the employee pays 8100×0.5% = 40.5 yuan per month, and the employer also contributes 40.5 yuan per month.
- Work - related injury insurance: The employer's contribution rate varies according to industry risk levels, ranging from 0.2% to 1.5%. For example, if the industry's contribution rate is 0.5%, the employer contributes 8100×0.5% = 40.5 yuan per month. Employees do not contribute to work - related injury insurance.
- For flexible employees: For example, in pension insurance, the contribution rate is 20%. With a base of 8100 yuan, the monthly contribution is 8100×20% = 1620 yuan.
- Impact on benefits:
- Pension: In the future, when calculating the pension, a higher contribution base like 8100 yuan will generally result in a higher pension income. Because the pension calculation is related to the contribution base and contribution years. A higher base means more contributions are made during the working years, and the pension amount will be more abundant after retirement.
- Medical benefits: Although the medical reimbursement ratio is not directly related to the contribution base, a higher contribution base may mean that more funds are accumulated in the personal medical account, which can be used for medical expenses such as seeing a doctor and buying medicine in the future.
In general, a social security base of 8100 yuan in Hangzhou reflects a certain income level of the contributor. It also determines the amount of contributions and future benefits in various social security categories, which is of great significance for ensuring the social security rights and interests of individuals.
