In Anhui Anqing, if the social security base is 19400, the calculation of benefits mainly involves pension, medical insurance reimbursement, etc. Here's a breakdown:
- Pension Calculation
- Basic Pension: The formula is . With a base of 19400, the personal indexed average monthly contribution wage is relatively high. For example, if the average monthly wage of on - the - job employees in the province in the previous year is 6000 yuan (for reference only, subject to actual data), and the contribution years are 30 years. First, calculate the personal indexed average monthly contribution wage. Assuming the contribution index is calculated based on the ratio of the contribution base to the provincial average wage, here the contribution index is approximately (Average monthly wage of on - the - job employees in the province in the previous year+Personal indexed average monthly contribution wage)÷×Contribution years×1%. Then the personal indexed average monthly contribution wage is ÷≈3.23yuan. Substituting into the formula, the basic pension is ×3.23=yuan.(+)÷××1%=
- Individual Account Pension: It is calculated as . If the contribution rate to the individual pension account is 8%, the monthly deposit into the individual account is Total amount in individual account÷Calculation monthsyuan. Assuming a contribution period of 30 years (360 months), and considering the interest factor (assumed annual interest rate of 3% for simplicity, compound interest calculation is more complex in practice), the total amount in the individual account is approximately ×8%=yuan (approximate value). If retiring at 60 years old, the calculation months are 139, and the individual account pension is approximately ××(+3%)≈yuan. So the total monthly pension is about ÷≈yuan.+=
- Medical Insurance
- Reimbursement Ratio: For in - hospital expenses, the reimbursement ratio for employees in Anqing generally ranges from 80% - 95% depending on the level of the hospital and the type of expenses. With a high social security base like 19400, the amount of medical insurance paid is also high, which may entitle to a relatively higher reimbursement ceiling. For example, in a Class - A tertiary hospital, the starting payment standard may be 800 yuan, and the reimbursement ratio for expenses within the policy - compliant scope may be 85%. If the total medical expenses are 20000 yuan, and the non - compliant expenses are 2000 yuan, the reimbursable amount is yuan.(−−)×85%=
- Personal Account Allocation: The amount allocated to the medical insurance personal account is also related to the social security base. Usually, a certain percentage (such as 2% - 3% in some cases) of the base is allocated to the personal account. With a base of 19400, if the allocation ratio is 2.5%, the monthly allocation to the personal account is yuan, which can be used for purchasing drugs in designated pharmacies and paying for some outpatient expenses.×2.5%=
- Other Social Insurance Benefits
- Unemployment Insurance: The amount of unemployment insurance benefits is related to the length of contribution and the local minimum wage standard. Generally, the longer the contribution period, the higher the benefits. For example, if the contribution period is 5 years, the unemployment insurance benefit may be 80% of the local minimum wage. In Anqing, if the local minimum wage is 1500 yuan, the monthly unemployment insurance benefit is yuan.×80%=
- Work - related Injury Insurance: It mainly provides compensation for work - related injuries. The compensation amount is determined according to the degree of injury and relevant regulations. With a high social security base, in the event of a work - related injury, the compensation for some items such as disability allowances may be relatively higher. For example, for a Grade 1 disability, the one - time disability allowance may be calculated as a multiple (such as 27 months) of the social security base, that is yuan.×=
- Maternity Insurance: 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 or the individual's social security base. If calculated based on the individual's base of 19400, and the maternity leave is 158 days (in accordance with relevant regulations), the maternity allowance is yuan.÷×=
In conclusion, with a social security base of 19400 in Anqing, the benefits in terms of pension, medical insurance, and other social insurances are relatively high, which can provide better social security for individuals. However, the actual amounts are subject to specific local policies and accurate data.
