If your social security base in Ma'anshan, Anhui is 7700 yuan, the amount you can receive mainly includes the following parts:
- Pension:
- Basic pension: It is related to the pension calculation base of the year of retirement, the average payment index of the individual, and the payment years. The formula is: Basic pension = Retired year's pension calculation base × (1 + Personal average payment index) ÷ 2 × Payment years × 1%. For example, if the pension calculation base in Ma'anshan in the year of your retirement is assumed to be 7842 yuan (taking 2024 as an example), and if your average payment index is 1 (because the payment base of 7700 yuan is close to the full - payment base), and assuming your payment years are 30 years. Then the basic pension = 7842×(1 + 1)÷2×30×1% = 2352.6 yuan.
- Personal account pension: It is calculated based on the balance of the personal pension account and the pension calculation months corresponding to the retirement age. The balance of the personal pension account is accumulated by the 8% of the individual's monthly payment. If you pay for 30 years, and the monthly payment is 7700×8% = 616 yuan. Assuming no interest is considered for simplicity, the balance of the personal account after 30 years is 616×12×30 = 221760 yuan. If you retire at the age of 60, the pension calculation months are 139 months. Then the personal account pension = 221760÷139≈1595.4 yuan.
- Transitional pension: This part is mainly for those with 视同缴费年限. The calculation is relatively complex and is related to the pension calculation base, 视同缴费 index, 视同缴费 years, and the local transitional coefficient. For example, if you have 10 years of 视同缴费 years, and the 视同缴费 index is 1, and the local transitional coefficient is 1.3%, and the pension calculation base is 7842 yuan. Then the transitional pension = 1×7842×10×1.3% = 1019.46 yuan.
- In general, the monthly pension = Basic pension + Personal account pension + Transitional pension. In the above example, the pension = 2352.6+1595.4 + 1019.46 = 4967.46 yuan. But in fact, considering factors such as interest in the personal account and actual policy adjustments, the result may be different.
- Medical insurance benefits:
- When you are hospitalized, you can enjoy corresponding reimbursement according to the regulations. For example, for urban employees in Ma'anshan, when hospitalized in a first - level hospital, the starting line is relatively low, and the reimbursement ratio is relatively high. Assuming the starting line in a first - level hospital is 200 yuan, and the reimbursement ratio is 90%. If your medical expenses are 5000 yuan, the reimbursable amount = (5000 - 200)×90% = 4320 yuan.
- For outpatient services, for some chronic diseases (special diseases) and general outpatient services, there are also certain reimbursement policies. For example, for some common chronic diseases, after meeting certain conditions, a certain proportion of outpatient drug expenses can be reimbursed.
- Unemployment insurance:
- If you meet the conditions of unemployment insurance, such as having paid unemployment insurance for a certain period of time (usually at least 1 year) and losing your job non - voluntarily. The amount of unemployment insurance benefits is generally related to the local minimum wage standard. In Ma'anshan, the unemployment insurance benefits are usually a certain percentage of the local minimum wage. For example, if the local minimum wage is 1500 yuan, and the unemployment insurance benefit ratio is 80%, then the monthly unemployment insurance benefit is 1500×80% = 1200 yuan. But the specific amount and payment period are subject to local policies.
- Work - related injury insurance:
- When an employee is injured at work and meets the conditions for work - related injury recognition, work - related injury insurance will pay for medical expenses, disability allowances, etc. The specific amount of compensation depends on the degree of injury. For example, if it is determined as a grade 10 disability, according to relevant regulations, a certain amount of one - time disability allowance will be paid, which is usually a multiple of the employee's average monthly salary in the previous year. If the average monthly salary is 7700 yuan, and the one - time disability allowance for grade 10 is 7 months' salary, then the one - time disability allowance = 7700×7 = 53900 yuan.
- Maternity insurance:
- For female employees, maternity insurance can reimburse maternity examination fees, delivery fees, etc. For example, if the total maternity examination fees are 3000 yuan and the delivery fee is 5000 yuan, and the maternity insurance reimbursement ratio is 80%, the reimbursable amount = (3000 + 5000)×80% = 6400 yuan. In addition, female employees can also receive maternity allowances, and the calculation of maternity allowances is related to the average monthly salary of the unit and the maternity leave days.
In conclusion, the amount you can receive with a social security base of 7700 yuan in Ma'anshan, Anhui is affected by many factors such as payment years, types of insurance benefits, and local policy regulations. The above calculations are for reference only, and the actual amount should be subject to the local social security department's specific calculations and policy implementation.