In Ningbo, Zhejiang, the amount received based on a social security base of 13,500 involves calculations for different types of social security benefits. For pension, it is affected by factors such as contribution years and average contribution index, and cannot be simply determined by the base alone; for medical insurance, the amount reimbursed during hospitalization and outpatient treatment varies according to different situations; for unemployment insurance, it is related to the length of contribution and local standards; for work-related injury insurance, it depends on the level of work-related injury; for maternity insurance, it is related to maternity allowances and medical expenses during childbirth. Here is a breakdown:
- Pension: The pension calculation formula is complex. The basic pension = pension calculation base of the previous year of retirement × (1 + average personal contribution index) × contribution years × 1%. The personal account pension = balance of the endowment insurance personal account ÷ distribution months determined by the retirement age. Assuming a contribution index of 1 and 30 years of contribution, if the pension calculation base of the previous year of retirement is 8,000 yuan (for example), the basic pension = 8000×(1 + 1)×30×1% = 4800 yuan. But this is just a rough estimate, and the actual amount will be adjusted according to the actual situation.
- Medical Insurance: For outpatient expenses, within the scope of the medical insurance catalog, after reaching the deductible amount (varies by region), a certain proportion can be reimbursed, usually around 50%-70%. For hospitalization expenses, after deducting the starting payment line (also varies by region), the reimbursement ratio for expenses within the catalog can reach 70%-90% or more. For example, if the starting payment line for hospitalization is 1,000 yuan and the total medical expenses are 10,000 yuan within the catalog, and the reimbursement ratio is 80%, the reimbursable amount = (10000 - 1000)×80% = 7200 yuan.
- Unemployment Insurance: The amount of unemployment insurance benefits is generally related to the local minimum wage standard. Usually, it is a certain percentage of the local minimum wage. For example, if the local minimum wage is 2,000 yuan and the unemployment insurance benefit is 80% of the minimum wage, the monthly unemployment insurance benefit is 2000×80% = 1600 yuan. And the length of receiving unemployment insurance benefits is related to the length of contribution, generally ranging from a few months to more than 20 months.
- Work-related Injury Insurance: The benefits of work-related injury insurance are determined according to the level of work-related injury. For example, for a first-level work-related injury, a one-time disability subsidy is 27 months of the employee's own salary. If the salary is calculated based on the social security base of 13,500 yuan, the one-time disability subsidy = 13500×27 = 364500 yuan. In addition, there are also monthly disability allowances and other benefits.
- Maternity Insurance: Maternity allowances are generally calculated based on the average monthly salary of the employer in the previous year. If the average monthly salary of the employer is 13,500 yuan, and the maternity leave is 128 days (for example), the maternity allowance = 13500÷30×128 = 57600 yuan. In addition, maternity insurance also reimburses part of the medical expenses during childbirth.
In general, the specific amount of social security benefits in Ningbo, Zhejiang, with a social security base of 13,500 yuan needs to be calculated according to specific regulations and personal situations for different types of social security. It is recommended to consult the local social security department for accurate information.
If you want to understand more about specific policies for each type of social security in Ningbo or need more detailed calculation examples, feel free to let me know. I can further clarify any confusion you may have.
