In Zhejiang Jiaxing, if the social security base is 13,800 yuan, the amount received is calculated based on multiple factors. Here's a breakdown:
- Pension Calculation
- Basic Pension: The formula is . Suppose Jiaxing's average monthly wage of on - the - job employees in the previous year is (Jiaxing′saveragemonthlywageofon−the−jobemployeesinthepreviousyear+Personalindexedaveragemonthlycontributionwage)/2×Contributionyears×1%yuan. If the contribution years are Ayears, and the personal indexed average monthly contribution wage is 13,800 yuan (when the contribution base is 13,800 yuan, it can be considered as the personal indexed average monthly contribution wage in a simple sense here). Then the basic pension n. For example, if =(A+)/2×n×1%yuan and A=years, the basic pension n=yuan.=(+)/2××1%=
- Personal Account Pension: The formula is . The personal account savings amount Personalaccountsavingsamount/NumberofmonthsforpensioncalculationPersonal contribution base =Personal contribution ratio of pension insurance ×Contribution years. The personal contribution ratio of pension insurance in Jiaxing is 8% (as of 2025). So if the contribution years are ×years, the personal account savings amount nmonths. The number of months for pension calculation is related to the retirement age. For example, if retiring at 60 years old, it is 139 months. If =×8%×n×years, the personal account savings amount n=yuan, and the personal account pension =×8%××=yuan.=÷≈
- Medical Insurance:
- The employer's contribution ratio is 6.5% and the personal contribution ratio is 2% (as of 2025). The amount in the personal medical account is mainly composed of personal contributions. So the monthly amount in the personal medical account yuan. This money can be used for outpatient medical treatment, purchasing drugs in designated pharmacies, etc.=×2%=
- Unemployment Insurance:
- The employer's contribution ratio is 0.5% and the personal contribution ratio is 0.5%. When unemployed and meeting relevant conditions, the amount of unemployment benefits received is related to factors such as the length of unemployment insurance contributions. But based on the contribution base of 13,800 yuan, the total monthly contribution to unemployment insurance is yuan.×(0.5%+0.5%)=
- Maternity Insurance:
- The employer's contribution ratio is 0.7%, and individuals do not need to contribute. The maternity insurance benefits are mainly used to provide maternity allowances, reimbursement of maternity medical expenses, etc. when female employees give birth or experience pregnancy - related operations.
- Work - related Injury Insurance:
- The employer pays according to the unit's work - related injury insurance rate, and individuals do not contribute. The work - related injury insurance rate varies according to the industry risk level of the unit.
In general, when the social security base in Jiaxing is 13,800 yuan, the amount of pension and various social security benefits received is affected by many factors such as contribution years, retirement age, and industry type. The above calculations are for reference only, and for accurate amounts, it is recommended to consult the local social security department.