In Nanchang, Jiangxi, if the social security base is 14,800 yuan, the amount of social security benefits you can receive depends on several factors, mainly including the types of social security insurance and relevant calculation methods. Here's a breakdown:
- Pension Insurance:
- Personal Contribution: The personal contribution rate for pension insurance is 8%. So, the monthly personal contribution amount is yuan. This part of the money is deposited into the personal pension account.×8%=
- Calculation of Pension: The pension is composed of basic pension and personal account pension.
- Basic Pension: The formula is . Since the provincial average monthly wage of on - the - job employees in the previous year and contribution years are not given in the question, assume the provincial average monthly wage of on - the - job employees in the previous year is (provincialaveragemonthlywageofon−the−jobemployeesinthepreviousyear+personalindex−basedaveragemonthlycontributionwage)÷×contributionyears×1%yuan, and the contribution years is xyears. And the personal index - based average monthly contribution wage is related to the contribution base. If the contribution base is always 14800 yuan, it can be calculated according to relevant regulations. The basic pension part is y.(x+)÷×y×1%
- Personal Account Pension: The amount in the personal account is accumulated through monthly contributions. After years of contribution, the total amount in the personal account is yyuan. When retiring, the personal account pension is the total amount in the personal account divided by the 计发月数 (for example, 139 months for retirement at the age of 60). That is ××y(when ××yyears of contribution and retirement at 60).y
- Medical Insurance:
- Personal Contribution: The personal contribution rate for medical insurance is 2%. So the monthly personal contribution amount is yuan.×2%=
- Medical Benefits: After paying medical insurance, you can enjoy medical reimbursement benefits. When seeing a doctor in a designated hospital, within the scope of the medical insurance catalog, a certain proportion of medical expenses can be reimbursed. The specific reimbursement ratio and scope vary according to different levels of hospitals and medical service items.
- Unemployment Insurance:
- Personal Contribution: The personal contribution rate for unemployment insurance is 0.5%. So the monthly personal contribution amount is yuan.×0.5%=
- Unemployment Benefits: If you meet the unemployment insurance claim conditions (such as non - voluntary unemployment and meeting the contribution time requirements), you can receive unemployment benefits. The amount of unemployment benefits is generally a certain percentage of the local minimum wage, and the specific amount and duration are determined according to local regulations and your contribution years.
- Work - related Injury Insurance and Maternity Insurance: These two types of insurance are completely paid by the unit, and individuals do not need to contribute.
- Work - related Injury Insurance: In the event of a work - related injury, employees can receive work - related injury compensation, including medical expenses, disability subsidies, etc., depending on the degree of injury.
- Maternity Insurance: Female employees can enjoy maternity leave benefits, maternity allowances, and reimbursement of maternity medical expenses. The maternity allowance is generally calculated based on the average monthly wage of the unit's employees in the previous year.
In general, if the social security base in Nanchang, Jiangxi is 14800 yuan, the monthly personal social security contribution amount is