In Anhui Xuancheng, if the social security base is 15,200 yuan, the amount one can receive is affected by multiple factors. Here's a breakdown:
- Pension calculation:
- Basic pension: The formula is . If we assume the average monthly wage of local on - the - job employees in the previous year is (Averagemonthlywageoflocalon−the−jobemployeesinthepreviousyear+Myindexedaveragemonthlycontributionwage)÷×Contributionyears×1%and the contribution years are Ayears, and since the contribution base is 15,200 yuan, the indexed average monthly contribution wage is also related to this base. For example, if nyuan (a rough estimate of the local average wage) and the contribution years A=years, and assuming the index is 1 (because the contribution base is 15,200 yuan), the basic pension part is n=yuan. But in reality, the local average wage and contribution years need to be determined accurately.(+)÷××1%=
- Personal account pension: It is calculated as Personal account accumulation amountCalculation and distribution months. The personal account accumulation amount is the sum of the 8% of the contribution base that is deposited into the personal account over the years. If the contribution base is 15,200 yuan, 8% of it is ÷yuan per month. Assuming a contribution period of 15 years (×8%=months), the personal account accumulation amount is ×=yuan. If retiring at 60 years old, the calculation and distribution months are 139 months, then the personal account pension is approximately ×=yuan.÷≈1574.7
- Medical insurance:
- The amount reimbursed for medical expenses depends on the local medical insurance policy. Generally, when seeing a doctor in a designated hospital, there is a deductible line and a reimbursement ratio. For example, for in - hospital expenses, if the deductible line is 800 yuan and the reimbursement ratio for a certain level of hospital is 80%, after reaching the deductible line, 80% of the eligible expenses can be reimbursed. And with a higher social security base, the amount of medical insurance in the personal account will also be more. For example, if the proportion of medical insurance fees transferred to the personal account is 2% of the contribution base, then yuan will be transferred to the personal account per month, which can be used to pay for outpatient medicines, etc.×2%=
- Unemployment insurance:
- The amount of unemployment insurance benefits is related to the local minimum wage standard. Usually, it is a certain percentage of the local minimum wage. For example, if the local minimum wage is 1500 yuan and the unemployment insurance benefit is 80% of the minimum wage, the monthly unemployment insurance benefit is yuan. The length of receiving unemployment insurance benefits is also related to the length of contribution. Generally, the longer the contribution period, the longer the receiving period, but it is usually within a certain limit, such as up to 24 months.×80%=
- Work - related injury insurance:
- In case of work - related injuries, work - related injury insurance provides compensation for medical expenses, disability benefits, etc. The compensation amount is determined according to the degree of injury. For example, for a first - degree disability, the compensation amount will be much higher than for a minor injury. And the contribution base of 15,200 yuan will affect the calculation of compensation to a certain extent, such as in the calculation of disability allowances, which are often related to the average wage of employees in the previous year and the contribution base.
- Maternity insurance:
- For maternity insurance, it provides maternity allowances. The maternity allowance is calculated based on the average monthly wage of the employer in the previous year. If the employer's average wage is related to the employee's contribution base of 15,200 yuan, for example, if the employer's average wage is calculated as an average of all employees' contribution bases, and assuming the employer has only one employee with a contribution base of 15,200 yuan, the maternity allowance calculation will be based on this amount. If the maternity leave is 98 days, the maternity allowance is yuan (the specific calculation method may vary by region).÷×≈49493.3
In general, the amount obtained with a social security base of 15,200 yuan in Xuancheng, Anhui, needs to be calculated comprehensively according to various policies and personal contribution situations. It is recommended to consult the local social security department for accurate calculations.