In Fujian Putian, if the social security base is 15,500, the amount you can receive mainly depends on different social security benefits. Here's a breakdown:
- Pension:
- Basic Pension: Calculated as . If we assume some data for illustration (as the actual amount needs to refer to the real provincial average wage of the retirement year), for example, if the provincial average wage is (Retirement year′s provincial monthly average wage+Personal indexed monthly average contribution wage)÷×Contribution years×1%and your personal indexed monthly average contribution wage is 15,500 (assuming the index is 1 for simplicity, meaning your wage is at the average level for contribution), and you have contributed for Xyears, the basic pension part is n.(X+)÷×n×1%
- Personal Account Pension: The amount in the personal account is accumulated by your personal contributions over the years. The personal contribution rate for pension is usually 8%. So the amount accumulated in the personal account each month is . Over ×8%=years (with 12 months in a year), the total amount in the personal account is n. After retirement, the personal account pension is calculated as ××n. For example, if a man retires at 60 years old, the calculation months are 139.Personal account balance÷Calculation months
- Medical Insurance:
- In - service: You need to pay 2% of the base, that is per month. You can enjoy medical insurance benefits according to the regulations, such as a certain proportion of reimbursement for hospitalization expenses. The reimbursement ratio and scope are determined by local policies.×2%=
- Retired: After meeting the local requirements for the number of years of contribution, retired employees generally do not need to pay additional medical insurance premiums and can still enjoy medical insurance benefits.
- Unemployment Insurance:
- The amount of unemployment insurance benefits is calculated based on your average wage in the 12 months before unemployment and the number of years of contribution. The specific formula is more complex. For example, if you have contributed for a certain number of years, say years, and your average wage in the 12 months before unemployment is 15,500, the amount of unemployment insurance benefits you can receive each month is calculated according to the local unemployment insurance benefit calculation rules related to the number of years of contribution and wage level.m
- Work - related Injury Insurance:
- Paid entirely by the unit, employees do not need to contribute. In case of work - related injuries, compensation is provided according to the level of work - related injuries and relevant wage standards. If an employee is injured at work and the injury is determined to be at a certain level, the compensation amount is calculated based on factors such as the wage (here 15,500) and the injury level in accordance with local work - related injury insurance regulations.
- Maternity Insurance:
- Paid by the unit. The maternity medical expenses and maternity allowance standards are determined according to local policies. For example, the maternity allowance may be related to the average wage of the unit where the employee is located or the personal wage (15,500 in this case), and is calculated according to the number of days of maternity leave and relevant regulations.
In general, the amount of social security benefits you can receive with a social security base of 15,500 in Putian is affected by multiple factors such as contribution years, different types of insurance, and local policy regulations. It is recommended to consult the local social security department for accurate information according to your actual situation.