In Anhui Bozhou, the amount of money that can be obtained with a social security base of 14,700 depends on multiple factors. Here's a breakdown:
- Pension calculation:
- Basic pension: It is calculated as follows: Basic pension = (Pension calculation base in Bozhou + Pension calculation base in Bozhou × Average payment index) ÷ 2 × Payment years × 1%. If the pension calculation base is assumed to be a certain value (e.g., in 2024, it was 7,842 in some cases, but this may change), and if the average payment index is, for example, 1 (since the base of 14,700 is relatively high, the index may be close to or above 1), and the payment years are 30 years (as an example). Substituting these values: Basic pension = (7842 + 7842×1)÷2×30×1% = 2352.6 yuan. However, the actual pension calculation base may change annually, and this is just a rough estimate.
- Personal account pension: Personal account pension = Accumulated amount in the personal pension account ÷ 计发月数 (计发月数 is 195 for 50 - year - old retirees, 170 for 55 - year - old retirees, and 139 for 60 - year - old retirees). Assuming a 60 - year - old retiree, if the monthly contribution to the personal account is 14700×8% = 1176 yuan (8% is the personal contribution rate for pension insurance), and the payment period is 30 years, the accumulated amount in the personal account is approximately 1176×12×30 = 423360 yuan. Then the personal account pension = 423360÷139 ≈ 3045.76 yuan. But in reality, factors such as interest earned in the personal account also need to be considered.
- Transitional pension: Transitional pension = Current pension calculation base × 视同缴费指数 × 视同缴费 years × Transitional coefficient. For those with 视同缴费 years (usually for employees who started working before the establishment of the personal account system), this part needs to be calculated. For example, if the 视同缴费 years are 5 years, the 视同缴费 index is 0.8, and the transitional coefficient is 1.3% (values may vary by region), and assuming the pension calculation base is 7842 yuan, then the transitional pension = 7842×0.8×5×1.3% = 407.78 yuan. But this is only applicable to those with relevant 视同缴费 situations.
- Medical insurance:
- With a high social security base like 14700, the amount of money in the personal medical insurance account will be relatively high. The personal contribution rate for medical insurance is generally 2% (in some areas), so the monthly contribution to the personal medical insurance account is 14700×2% = 294 yuan. This money can be used for outpatient medical expenses, purchasing drugs at designated pharmacies, etc. In terms of inpatient reimbursement, a higher - paying base may also be related to the reimbursement ratio in some cases, but usually, the inpatient reimbursement ratio in Bozhou is mainly determined by factors such as the level of the hospital and whether it is an in - city or out - of - city hospitalization. For example, for in - city second - level hospitals, the reimbursement ratio for in - service employees is 88%, and for retirees, it is 90%.
- Unemployment insurance:
- The amount of unemployment insurance benefits is related to the local minimum wage standard. In Anhui, the unemployment insurance benefits are generally calculated as a certain percentage of the local minimum wage. Although the social security base of 14700 is used for contribution, the calculation of unemployment insurance benefits is not directly proportional to this base. For example, in some areas, the unemployment insurance benefits are 75% of the local minimum wage. If the local minimum wage is 1500 yuan, the monthly unemployment insurance benefit is 1500×75% = 1125 yuan.
- Work - related injury insurance and maternity insurance:
- For work - related injury insurance, the contribution is borne by the employer, and the amount of compensation for work - related injuries is determined according to the degree of injury and relevant regulations, not directly related to the social security base of 14700. Maternity insurance, which has been integrated with medical insurance in many places, is also mainly for ensuring maternity - related benefits such as maternity leave allowances and medical expenses during childbirth. The calculation of maternity leave allowances may be related to the average wage of the unit in some cases, rather than directly to the individual's high social security base.
In conclusion, the amount of money obtained with a social security base of 14700 in Anhui Bozhou varies greatly depending on different insurance types and personal situations such as payment years and retirement age. For a more accurate calculation, it is recommended to consult the local social security department.
