In Fujian Nanping, a social security base of 4800 yuan falls within the range of normal wage - based contributions. Here's an in - depth look:
- Wage - based reference: The social security contribution base is generally determined according to the average monthly wage of employees in the previous year. If an employee's average monthly wage in the previous year is close to 4800 yuan, then 4800 yuan will be used as the contribution base. For example, if an employee's total income last year was 57600 yuan (57600÷12 = 4800 yuan per month), this amount may be used as the social security contribution base.
- Proportion of the upper and lower limits: In 2025, the minimum social security contribution base for employees in Nanping is 2930 yuan, and the maximum is 14646 yuan. A base of 4800 yuan is higher than the minimum base, which means that employees can enjoy relatively better social security benefits in the future. It is also well below the maximum base, indicating that it is within the normal wage - based contribution range for most ordinary employees.
- Impact on various insurances:
- Pension insurance: The unit pays 20% based on this base, which is 4800×20% = 960 yuan per month, and the individual pays 8%, that is 4800×8% = 384 yuan per month. These contributions will be accumulated in the pension account and have an impact on the amount of pension received after retirement.
- Medical insurance: The unit contributes 8% (4800×8% = 384 yuan per month), and the individual pays 2% (4800×2% = 96 yuan per month). This amount is related to an individual's medical treatment reimbursement in the future.
- Unemployment insurance: The unit contribution rate ranges from 0.5% - 2%, and the individual contribution rate ranges from 0.5% - 1%. Taking a unit contribution rate of 1% and an individual contribution rate of 0.5% as an example, the unit pays 4800×1% = 48 yuan per month, and the individual pays 4800×0.5% = 24 yuan per month, which is related to the receipt of unemployment benefits.
- Work - related injury insurance: The unit pays 2% (4800×2% = 96 yuan per month), and individuals do not contribute. This is used to provide compensation in case of work - related injuries.
- Maternity insurance: The unit pays 0.6% (4800×0.6% = 28.8 yuan per month), and individuals do not contribute, which is related to maternity benefits such as maternity leave pay and medical expenses during childbirth.
In conclusion, a social security base of 4800 yuan in Nanping is a wage - based contribution standard within a reasonable range. It reflects the employee's income level to a certain extent and also determines the amount of various social security contributions and future benefits.
