In Anhui Huainan, if the social security base is 6,200 yuan, the specific amount received mainly includes the following aspects:
- Pension:
- Basic pension: The formula is (pension calculation base + indexed monthly average contribution wage) ÷ 2 × contribution years × 1%. If the pension calculation base in Huainan is assumed to be a certain value (such as the average wage of on - the - job employees in the previous year in the local area), and the indexed monthly average contribution wage is related to the contribution base of 6,200 yuan. For example, if the contribution years are 15 years, and assume the pension calculation base is 7,000 yuan, and the index corresponding to the contribution base of 6,200 yuan is 0.886 (6200÷7000). Then the basic pension = (7000 + 7000×0.886)÷2×15×1% = (7000 + 6202)÷2×0.15 = 990.15 yuan.
- Personal account pension: The formula is personal account storage amount ÷ 计发月数. The personal account storage amount is accumulated from personal contributions. The personal contribution rate for pension insurance is generally 8%. Assuming the contribution period is 15 years, the personal account storage amount = 6200×8%×12×15 = 89280 yuan. If retiring at the age of 60 (计发月数 is 139 months), then the personal account pension = 89280÷139 ≈ 642.3 yuan.
- The total pension is the sum of the basic pension and the personal account pension, which is approximately 990.15 + 642.3 = 1632.45 yuan in this example. However, the actual amount will be affected by factors such as the actual pension calculation base and contribution years in Huainan.
- Medical insurance:
- For ordinary outpatient expenses, in the first - level and below fixed - point primary medical institutions (including community health service centers and township health centers) in the insured urban area, there is no personal (family) account, and a unified policy for ordinary outpatient treatment is implemented. There is no deductible standard and single - time reimbursement limit, and the annual reimbursement limit is 200 yuan per person (only once a day). The reimbursement ratio for policy - compliant ordinary outpatient medical expenses is 60%.
- For hospitalization expenses, taking the first - level and below fixed - point primary medical institutions as an example, for policy - compliant medical expenses exceeding the deductible line of 200 yuan, the reimbursement ratio is 90%, and the cap is 300,000 yuan. But specific reimbursement also needs to refer to the actual medical expenses and whether they meet the policy - compliant scope.
- Other insurances:
- Unemployment insurance: The amount of unemployment insurance benefits is related to the length of unemployment insurance contributions. Generally, the longer the contribution period, the higher the amount and the longer the payment period. But the specific calculation is more complex and is usually a certain percentage of the local minimum wage.
- Work - related injury insurance: It is mainly used to pay for relevant expenses in case of work - related injuries, such as medical expenses, disability allowances, etc. The payment amount depends on the degree of work - related injury and relevant regulations.
- Maternity insurance: For female employees, it provides maternity allowances and reimburses maternity medical expenses. The maternity allowance is generally calculated based on the average monthly wage of the employer in the previous year during the maternity leave period.
In general, the amount actually received in Huainan with a social security base of 6,200 yuan varies greatly depending on factors such as the type of insurance, contribution years, and specific usage scenarios. It is recommended to consult the local social security department for accurate information.
