In Zhejiang Hangzhou, if the social security base is 10,600 yuan, the amounts related to different social insurance types are as follows:
- Pension Insurance:
- Personal Contribution: The personal contribution rate for pension insurance is generally 8%. So the monthly personal contribution is yuan. These contributions are accumulated in the personal account.×8%=
- Calculation of Pension Amount: The pension amount after retirement is affected by many factors. The basic pension = (the average salary of employees in the previous year in the city + the average index - wage of one's own contributions) contribution years ÷×. The average salary of employees in Hangzhou changes every year. Suppose the average salary of employees in the previous year is ×1%yuan, and assume the contribution years is xyears. The part related to the base of 10,600 yuan in the basic pension calculation is related to the index - wage. If the contribution base of 10,600 yuan is maintained for a long time, the index - wage will be relatively high. The personal account pension = the total amount in the personal account nthe number of months of pension calculation (for example, 139 months for men at 60 - year - old retirement). The total amount in the personal account is the accumulation of monthly contributions of 848 yuan over the years. For example, if the contribution period is 30 years, the total amount in the personal account is approximately ÷yuan, and the personal account pension is ××yuan. The specific pension amount needs to be calculated based on the actual average salary of employees in the city and contribution years.(××)÷
- Medical Insurance:
- Personal Contribution: The personal contribution rate for medical insurance is generally 2%. So the monthly personal contribution is yuan.×2%=
- Benefits: With this contribution, employees can enjoy medical insurance benefits, such as reimbursement for outpatient and inpatient medical expenses within the scope of the medical insurance policy. The reimbursement ratio and scope vary according to different situations. For example, for general outpatient expenses in designated hospitals, the reimbursement ratio may be around 50% - 80% after reaching the deductible line, and for inpatient expenses, the reimbursement ratio is also related to the level of the hospital and the type of medical expenses, usually ranging from 70% - 90%.
- Unemployment Insurance:
- Personal Contribution: The personal contribution rate for unemployment insurance is generally 0.5%. So the monthly personal contribution is yuan.×0.5%=
- Unemployment Benefit: The amount of unemployment benefits is related to the length of contribution. For example, if the cumulative contribution time is 1 - 5 years, the monthly unemployment benefit is 842 yuan; if it is 5 - 10 years, it is 869 yuan, etc. But the specific amount of unemployment benefits also needs to meet relevant conditions, such as non - voluntary unemployment.
- Work - related Injury Insurance and Maternity Insurance: Employees do not need to contribute personally for work - related injury insurance and maternity insurance.
- Work - related Injury Insurance: The employer pays the premium. Once an employee is injured at work, they can apply for work - related injury compensation, including medical expenses, disability allowances, etc., depending on the degree of injury.
- Maternity Insurance: After the employer pays the premium, female employees can enjoy maternity leave allowances, reimbursement of maternity medical expenses, etc. The maternity leave allowance is generally calculated based on the average monthly salary of the employer's employees in the previous year.
In general, the amount obtained from social security with a base of 10,600 yuan in Hangzhou varies in different aspects of social insurance. Pension benefits are related to long - term contributions and the average salary of employees in the city; medical insurance can help reimburse medical expenses; unemployment insurance provides certain living expenses in case of unemployment; work - related injury insurance and maternity insurance provide corresponding guarantees for specific situations.