In Hangzhou, Zhejiang, a social security base of 8600 yuan falls between the minimum and maximum standards in 2025, with the minimum being 4812 yuan/month and the maximum being 24930 yuan/month. This indicates that the income level of the relevant individual is in a mid - range position among the employed population in Hangzhou, which has the following implications:
- Contribution amount:
- Pension insurance: For employees, the individual contribution rate is 8%, so the monthly pension insurance contribution is yuan. The unit contribution rate is 14%, and the unit's monthly contribution is ×8%=yuan.×14%=
- Medical insurance (including maternity insurance): The unit contribution rate is 9.5%, and the unit's monthly contribution is yuan. The individual contribution rate is 2%, and the individual's monthly contribution is ×9.5%=yuan.×2%=
- Unemployment insurance: Both the unit and the individual contribute at a rate of 0.5%. So the unit's monthly contribution is yuan, and the individual's monthly contribution is also ×0.5%=yuan.×0.5%=
- Work - related injury insurance: The unit contribution rate varies from 0.2% to 1.5% according to industry risk levels. For example, if the industry's work - related injury insurance rate is 0.5%, the unit's monthly contribution is yuan.×0.5%=
- Future benefits:
- Pension: When calculating the pension, the contribution base is an important factor. A contribution base of 8600 yuan means that during the working period, more pension contributions are made compared to those with a lower contribution base. According to the principle of "more pay, more gain", when retiring, the pension received will be relatively higher. The pension is related to factors such as the contribution base and the number of contribution years. A higher contribution base can increase the amount of the basic pension and the personal account pension.
- Medical insurance: When seeking medical treatment, the reimbursement ratio and upper limit of medical insurance may be affected by the contribution base. Generally, a higher contribution base may bring relatively more favorable medical insurance treatment, such as a higher reimbursement ratio for some medical expenses in the future, which can reduce the individual's burden of medical expenses.
In summary, a social security base of 8600 yuan in Hangzhou reflects a certain income level of the individual, and has corresponding impacts on the current contribution amount and future social security benefits. When understanding social security, it is necessary to comprehensively consider various factors related to social security contributions and benefits.
