In Nanchang, Jiangxi, if the social security base is 12,400 yuan, the amount of social security benefits you can receive depends on several factors. Here's a breakdown:
- Pension Insurance:
- Unit Contribution: The unit contribution rate for pension insurance is 16% (as of 2025). So, the amount contributed by the unit is yuan per month.×16%=
- Personal Contribution: The personal contribution rate is 8%. Thus, the amount contributed by the individual is yuan per month.×8%=
- Medical Insurance:
- Unit Contribution: The unit contribution rate for medical insurance is 6.8% (in 2025). So, the unit contributes yuan per month.×6.8%=843.2
- Personal Contribution: The personal contribution rate is 2%, meaning the individual pays yuan per month.×2%=
- Unemployment Insurance:
- Unit Contribution: The unit contribution rate for unemployment insurance is 0.5%. So, the unit contributes yuan per month.×0.5%=
- Personal Contribution: The personal contribution rate is also 0.5%, so the individual pays yuan per month.×0.5%=
- Work - related Injury Insurance:
- The unit contribution rate for work - related injury insurance varies from 0.2% to 0.9% depending on the industry risk level. For example, if the industry has a 0.5% contribution rate, the unit contributes yuan per month. Employees do not contribute to work - related injury insurance.×0.5%=
- Maternity Insurance:
- The unit contribution rate for maternity insurance is 0.5%, and the unit contributes yuan per month. Employees do not contribute to maternity insurance.×0.5%=
It should be noted that the amount of pension received after retirement is calculated based on a comprehensive formula, including factors such as the length of contribution, the average salary of on - the - job employees in the city where you retire, and your personal index - based average contribution salary. The calculation formula for the basic pension is: Basic Pension=(The average monthly salary of on - the - job employees in the city where you retire + Your index - based average contribution salary)÷2×Contribution years×1%. The amount of pension benefits is affected by many factors, and the above calculations are only for the monthly social security contributions.
