In Fujian Xiamen, if the social security base is 5400, the amount received varies by insurance type. For pension, the amount depends on multiple factors like contribution years and personal account balance, with no fixed amount directly from this base alone. For medical insurance, the personal contribution part is 5400×2% = 108 yuan for monthly individual payment, and the amount reimbursed during medical treatment is determined by regulations such as the reimbursement ratio and scope of medical expenses. Now, let's break it down by different social insurance components:
- Pension Insurance: The pension amount is calculated comprehensively based on factors such as the cumulative contribution years, personal account balance, and the average salary of on - the - job employees in the province in the previous year. Just knowing the current payment base of 5400 cannot directly calculate the pension amount. For example, the basic pension = (the average monthly salary of on - the - job employees in the province in the previous year + the individual's indexed average monthly payment salary)÷2×payment years×1%. The individual's indexed average monthly payment salary is related to the ratio of the individual's payment base to the average salary of on - the - job employees in the province in the previous year. And the personal account pension = the balance of the personal account at retirement÷the number of pension payment months corresponding to the retirement age.
- Medical Insurance:
- Personal contribution: The personal contribution rate for medical insurance is generally 2% (in 2024, the employer's contribution rate for employees is 6.5% due to the implementation of the phased reduction policy). So the individual pays 5400×2% = 108 yuan per month.
- Reimbursement: When it comes to medical treatment, the amount reimbursed depends on factors such as the reimbursement ratio, the scope of medical expenses, and the deductible line. For example, for in - patient expenses within the scope of medical insurance, after reaching the deductible line, they may be reimbursed at a certain ratio (such as 70% - 90% depending on different situations).
- Unemployment Insurance: The unemployment insurance contribution rate for both employers and employees is 0.5% each. So the individual pays 5400×0.5% = 27 yuan per month. When unemployed and meeting the conditions, the amount of unemployment benefits received is related to factors such as the length of contribution and the local minimum wage standard.
- Work - related Injury Insurance: The contribution rate of work - related injury insurance varies according to different industry risk levels, generally ranging from 0.2% - 1.9%, and is paid entirely by the employer, with no personal contribution. When an employee suffers a work - related injury, the compensation amount is determined according to the degree of injury and relevant regulations.
- Maternity Insurance: The employer's contribution rate for maternity insurance is 0.7% (0.35% for some institutions), and employees do not contribute. When female employees give birth, they can enjoy maternity allowances and reimbursement of maternity medical expenses according to regulations. The maternity allowance is calculated based on the average monthly salary of the employer in the previous year.
In conclusion, simply knowing that the social security base in Xiamen, Fujian is 5400, the specific amount of each type of social insurance received needs to be calculated based on various factors and relevant policies for each type of insurance. When dealing with social security - related matters, it is recommended to consult the local social security department for accurate information.
