In Zhejiang Jiaxing, a social security base of 13,500 yuan represents a relatively high - level payment standard. Here's a detailed breakdown:
- Relationship with the upper and lower limits: In Jiaxing, the social security payment base has upper and lower limits, which are determined based on a certain percentage of the average wage of employees in the previous year. As of July 2024, the upper limit of the social security payment base is 24,060 yuan, and the lower limit is 4,462 yuan. A base of 13,500 yuan is well above the lower limit, indicating that it is within the range of normal payment but closer to the middle - to - high level among the allowable payment bases.
- Calculation of payment amount: Social security contributions include multiple components such as pension insurance, medical insurance, unemployment insurance, work - related injury insurance, and maternity insurance. Taking pension insurance as an example, if the enterprise payment ratio is 14% and the individual payment ratio is 8%, for a social security base of 13,500 yuan, the enterprise needs to pay 13,500×14% = 1890 yuan per month, and the individual needs to pay 13,500×8% = 1080 yuan per month. The total monthly pension insurance payment for both the enterprise and the individual is 1890 + 1080 = 2970 yuan. The payment amounts for other types of insurance are calculated based on their respective ratios and this base.
- Impact on future benefits: A higher social security base like 13,500 yuan will have a positive impact on future social security benefits. For pension insurance, the principle is "more pay, more get". When an individual retires, the pension amount is calculated based on factors such as the payment base and payment years. A higher payment base during the working years will generally result in a higher pension amount received after retirement. In terms of medical insurance, a higher payment base may also be related to a higher reimbursement ratio or a larger reimbursement amount in some cases.
In conclusion, a social security base of 13,500 yuan in Jiaxing reflects a relatively high - income level of the payer, which not only means higher current social security contributions but also implies potentially better social security benefits in the future. It is important to note that the specific situation may vary according to the latest local social security policies.
