In Zhejiang Lishui, if the social security base is 10,600 yuan, the amount received varies by insurance type:
- Pension Insurance:
- Personal Contribution: The personal contribution rate for pension insurance is 8%. So, the monthly personal contribution is yuan.×8%=
- Pension Amount: The pension is calculated as the sum of the basic pension and the individual account pension. The basic pension calculation is complex, related to factors such as the average salary of local employees and the length of payment. The individual account pension is the total amount in the individual account divided by the 计发月数 (for example, for those retiring at 60 years old, the 计发月数 is 139). If only considering the monthly personal contribution of 848 yuan, assume the contribution period is 30 years (360 months), and the total contribution in the individual account is yuan. Then the individual account pension is approximately ×=yuan per month. But this is just a rough estimate, and the actual amount will be affected by many factors.÷≈
- Medical Insurance:
- Personal Contribution: The personal contribution rate for medical insurance is 2%. So, the monthly personal contribution is yuan.×2%=
- Medical Benefits: When seeing a doctor, the reimbursement amount depends on the reimbursement ratio, deductible line, and ceiling line set by the local medical insurance policy. For example, in some cases, the reimbursement ratio for in - patient expenses in a tertiary hospital may be around 60% - 80%, and there are corresponding deductible amounts (such as several hundred yuan) and annual ceiling amounts (such as tens of thousands of yuan).
- Unemployment Insurance:
- Personal Contribution: The personal contribution rate for unemployment insurance is 0.5%. So, the monthly personal contribution is yuan.×0.5%=
- Unemployment Benefits: To receive unemployment benefits, certain conditions need to be met, such as non - voluntary unemployment and meeting the minimum contribution period requirements. The amount of unemployment benefits is generally related to the local minimum wage standard, usually ranging from 60% - 80% of the local minimum wage.
- Work - related Injury Insurance: The contribution is borne entirely by the unit, and the individual does not contribute. The compensation amount for work - related injuries is determined according to the degree of injury and relevant regulations.
- Maternity Insurance: The contribution is borne entirely by the unit, and the individual does not contribute. Maternity benefits include maternity leave pay and medical expenses for childbirth, and the specific amount is calculated based on local policies and the individual's salary situation.
In summary, if the social security base in Lishui is 10,600 yuan, the monthly personal contribution for social security is approximately