In Zhejiang Shaoxing, a social security base of 13,700 yuan represents a relatively high standard. Here's an in - depth look:
- In the context of the upper and lower limits: As of 2025, the upper limit of the social security contribution base in Shaoxing for some insurances like medical insurance is 27,501 yuan, and the lower limit is 4,767 yuan. A base of 13,700 yuan is well above the lower limit, indicating that the insured's income - related contribution base is relatively high. For example, in employee medical insurance, if the base is 13,700 yuan, it is within the range between the lower and upper limits, and the contributions will be calculated based on this amount.
- Contribution amount implications:
- For employers: With a social security base of 13,700 yuan, employers will pay higher contributions for various social insurances. For instance, in pension insurance, if the employer contribution rate is 16% (as of 2025 policy adjustments), the employer needs to pay 13700×16% = 2192 yuan per month for each employee. In medical insurance, with a contribution rate of 8.6% (including 0.6% for maternity insurance), the employer's payment is 13700×8.6% = 1178.2 yuan per month. This significantly increases the employer's labor cost.
- For employees: Employees also need to pay more. In pension insurance, with an 8% personal contribution rate, employees need to pay 13700×8% = 1096 yuan per month. In medical insurance, with a personal contribution rate (part of the 8.6% paid by the individual) calculated based on the wage ratio, they will also contribute a corresponding amount. However, in return, employees may enjoy relatively higher social security benefits in the future.
- Benefit level correlation: Generally, a higher social security base like 13,700 yuan means that when it comes to pension benefits in the future, the pension amount received will be relatively high. Because pension calculation is related to factors such as the contribution base and contribution years. A higher contribution base accumulates more pension - related funds during the working years. In terms of medical insurance, although the specific medical reimbursement ratio may not be directly related to the contribution base, in some cases, a higher - base contributor may have a higher ceiling for reimbursement of certain medical expenses, which provides better medical security.
In summary, a social security base of 13,700 yuan in Shaoxing reflects a relatively high - income - level contribution standard, which has a significant impact on both employer costs and employee future benefits. When understanding and dealing with social security matters, both employers and employees should pay attention to the impact of this base on various aspects.
