In Fujian Xiamen, if the social security base is 9700, the amount obtained varies by insurance type:
- Pension Insurance:
- Employer Contribution: The contribution rate is 16%, so the employer contributes 9700×16% = 1552 yuan per month.
- Employee Contribution: The employee's contribution rate is 8%, meaning the employee pays 9700×8% = 776 yuan per month.
- The pension amount after retirement is calculated using the formula: Pension = Basic Pension + Personal Account Pension. The basic pension = (Average monthly wage of on - the - job employees in the province in the previous year + Indexed average monthly contribution wage of the individual)÷2×Contribution years×1%; the personal account pension = Amount stored in the personal account at retirement÷Corresponding calculation and distribution months for the individual's retirement age. Since factors like the average wage of on - the - job employees in the province and contribution years are not given, the exact pension amount cannot be precisely calculated, but the monthly contributions to the pension insurance account are as calculated above.
- Medical Insurance:
- Employer Contribution: The contribution rate is 6.5%, so the employer pays 9700×6.5% = 630.5 yuan per month.
- Employee Contribution: The employee's contribution rate is 2%, so the employee pays 9700×2% = 194 yuan per month.
- Unemployment Insurance:
- For non - farmer contract workers:
- Employer Contribution: The contribution rate is 0.5%, so the employer contributes 9700×0.5% = 48.5 yuan per month.
- Employee Contribution: The employee's contribution rate is 0.5%, so the employee pays 9700×0.5% = 48.5 yuan per month.
- For farmer contract workers: The employer contributes 9700×0.5% = 48.5 yuan per month, and the employee does not contribute.
- Maternity Insurance: The employer's contribution rate is 0.7%, and the employer pays 9700×0.7% = 67.9 yuan per month. Employees do not contribute to maternity insurance.
- Work - related Injury Insurance: The contribution rate varies by industry risk level, and the employer pays the full amount. For example, if the industry's contribution rate is 0.2% (for some administrative and public - service - type industries), the employer contributes 9700×0.2% = 19.4 yuan per month.
In summary, when the social security base in Xiamen is 9700, the monthly contributions of employees and employers to different social security insurances can be calculated as above. The amount of pension after retirement needs to be calculated comprehensively based on more factors such as contribution years and local average wages.
