If your social security base in Wenzhou, Zhejiang is 5600 yuan, the amount you can get mainly includes the following aspects:
- Pension:
- Personal account pension: The amount in the personal account is accumulated from your own contributions over the years. Suppose you contribute at a rate of 8% of the base. So your monthly personal contribution to the pension is yuan. After years of accumulation (assuming a long - term contribution period), when you retire, the personal account pension = personal account storage amount ÷ 计发月数. For example, if you retire at 60 years old, the 计发月数 is 139 months. But the actual amount depends on your total contribution years and the interest rate of the personal account.×8%=
- Basic pension: The calculation of the basic pension is related to factors such as the average salary of employees in the local area and your contribution index. The formula is relatively complex. In simple terms, it is related to your contribution base and years. If your contribution base of 5600 yuan is close to the average salary level in Wenzhou, and you have contributed for a long time, the basic pension will be at a relatively stable level. But the specific amount also needs to refer to the local average salary data of the year of retirement.
- Medical insurance:
- For medical insurance, the proportion of personal contribution is generally around 2% (the specific proportion may be adjusted according to local policies). So your monthly personal contribution to medical insurance is yuan. After paying medical insurance, you can enjoy medical reimbursement benefits when you see a doctor. The reimbursement ratio and scope vary according to different levels of hospitals and medical expenses. For example, in some local first - level hospitals, the reimbursement ratio for in - patient expenses may be around 80%, while in third - level hospitals, it may be around 60% (the above data are for reference only, and the actual situation is subject to local policies).×2%=
- Unemployment insurance:
- The personal contribution rate of unemployment insurance is generally 0.5% - 1% (local policy - based). If calculated at 0.5%, your monthly personal contribution to unemployment insurance is yuan. When you meet the conditions of unemployment, you can receive unemployment benefits. The amount of unemployment benefits is generally related to the local minimum wage standard, usually a certain percentage of the local minimum wage, such as 80% - 90% of the local minimum wage (the specific amount is subject to local regulations).×0.5%=
- Work - related injury insurance and maternity insurance: These two types of insurance are usually fully paid by the unit, and individuals do not need to contribute.
In general, the amount you can get from social security in Wenzhou with a base of 5600 yuan is affected by many factors, including contribution years, local salary levels, and specific policy regulations. It is recommended to consult the local social security department for more accurate information.