In Anhui Xuancheng, if the social security base is 5,900 yuan, the amount received is calculated based on different types of social security benefits. Here's a breakdown:
- Pension calculation:
- Basic pension: It is calculated using the formula . The calculation base in Xuancheng in 2023 was 7,688 yuan. Assuming a personal average contribution index (the ratio of actual contribution base to the average social wage over the years) and cumulative contribution years, for example, if the personal average contribution index is 0.8 and the cumulative contribution years are 25 years, then the basic pension (+personalaveragecontributionindex)/2×calculationbase×cumulativecontributionyears×1%yuan. However, this is just an example, and the actual index and years need to be determined according to personal circumstances.=(+0.8)/2×××1%=
- Individual account pension: It is calculated as the cumulative balance of the individual account at retirement divided by the distribution months. The distribution months vary according to the retirement age. For example, if you retire at 60 years old, the distribution months are 139. Suppose the cumulative balance of the individual account is 150,000 yuan, then the individual account pension yuan.=÷≈
- Transitional pension: Only applicable to employees with 视同缴费年限 (years of service recognized as contribution years without actual payment in some cases). The formula is . In Xuancheng, the transitional coefficient is 1.30%. For example, if the 视同缴费 index is 0.7 and the 视同缴费年限 is 5 years, then the transitional pension eˋ§a˚c\c¼´eˋ´ææ°×calculationbase×eˋ§a˚c\c¼´eˋ´a˚´eˊ×transitionalcoefficientyuan. The total pension is the sum of the basic pension, individual account pension, and transitional pension.=0.7×××1.30%≈
- Medical insurance:
- For employees, the contribution rate of medical insurance varies. Usually, the employer contributes a certain percentage, and the individual also contributes a part. The amount of medical insurance reimbursement during medical treatment is related to factors such as the type of medical expenses, the reimbursement ratio set by the local area, and the deductible line. Generally, a higher social security base means that more money is contributed to the medical insurance account, which may be beneficial for future medical expenses reimbursement.
- Unemployment insurance:
- The contribution rate of unemployment insurance in Xuancheng is 0.5% for both the employer and the individual. If the social security base is 5,900 yuan, the individual's monthly contribution to unemployment insurance is yuan. When unemployed, the amount of unemployment benefits received is related to factors such as the length of contribution and local policies.×0.5%=29.5
- Work - related injury insurance:
- The contribution rate of work - related injury insurance is determined according to the industry risk level, with eight - level benchmark rates. The employer is responsible for the contribution, and employees do not need to pay. The amount of compensation for work - related injuries depends on the degree of injury and relevant regulations.
In conclusion, the amount received with a social security base of 5,900 yuan in Xuancheng varies for different types of social security benefits. Pension calculation is relatively complex and is closely related to personal contribution years, contribution index, and other factors. For specific amounts, it is recommended to consult the local social security department.