If your social security base in Lishui, Zhejiang is 6500 yuan, the total monthly deduction amount is approximately 685.5 yuan. This includes around 520 yuan for pension insurance (6500×8%), about 133 yuan for medical insurance (6500×2% + 3 yuan), and approximately 32.5 yuan for unemployment insurance (6500×0.5%). Workers do not contribute to work injury insurance and maternity insurance. The specific deduction amount may vary according to local policies and unit regulations.
- Pension Insurance
- The individual contribution rate for pension insurance in Lishui is 8%.
- Calculation: 6500×8% = 520 yuan. This part of the money is deposited into the individual pension account and will be related to the amount of pension received after retirement.
- Medical Insurance
- The individual contribution rate for medical insurance is 2%, plus an additional 3 yuan.
- Calculation: 6500×2% + 3 = 130 + 3 = 133 yuan. The funds are used to cover medical expenses such as outpatient visits, hospitalizations, and prescription drugs, providing important medical security for employees.
- Unemployment Insurance
- The individual contribution rate for unemployment insurance is 0.5%.
- Calculation: 6500×0.5% = 32.5 yuan. In the event of unemployment, employees may be eligible to receive unemployment benefits to help them through difficult times.
- Work Injury Insurance and Maternity Insurance
- Workers do not need to pay for work injury insurance and maternity insurance. Work injury insurance premiums are paid by the employer, and the rate varies according to the industry risk level, generally between 0.2% - 1.7%. Maternity insurance premiums are also paid by the employer, with a contribution rate of 1%.
It should be noted that social security policies may be adjusted. It is recommended to consult the local social security department or the human resources department of the unit for the latest and most accurate information.
