In Jiangxi Jiujiang, if the social security base is 14,500 yuan, the monthly payment amount varies for different insurance types. For endowment insurance, the company pays 2,320 yuan (14,500×16%) and the individual pays 1,160 yuan (14,500×8%). For medical insurance, the company pays 942.5 yuan (14,500×6.5%) and the individual pays 290 yuan (14,500×2%). For unemployment insurance, both the company and the individual pay 72.5 yuan (14,500×0.5%). For maternity insurance, the company pays 101.5 yuan (14,500×0.7%), and individuals don't contribute. For work injury insurance, the company's payment depends on the industry rate
- Endowment Insurance
- Company Portion: The company's contribution rate for endowment insurance in Jiujiang is 16%. So, when the social security base is 14,500 yuan, the company's monthly payment is calculated as 14,500×16% = 2,320 yuan. This amount goes into the overall endowment insurance pool, which is used to pay pensions to retirees in the future.
- Individual Portion: The individual contribution rate is 8%. Thus, the individual's monthly payment is 14,500×8% = 1,160 yuan. This money is deposited into the individual's personal account, which is an important factor in calculating the individual's pension amount after retirement.
- Medical Insurance
- Company Portion: The company's payment rate for medical insurance is 6.5%. Based on a social security base of 14,500 yuan, the company pays 14,500×6.5% = 942.5 yuan per month. This helps to fund the medical insurance system, covering aspects such as hospitalization expenses, outpatient reimbursement, etc.
- Individual Portion: The individual pays at a rate of 2%. So, the individual's monthly payment is 14,500×2% = 290 yuan. This also contributes to the individual's medical insurance benefits.
- Unemployment Insurance
- Company and Individual Portions: Both the company and the individual have a contribution rate of 0.5% for unemployment insurance. For a social security base of 14,500 yuan, the company's monthly payment is 14,500×0.5% = 72.5 yuan, and the individual also pays 14,500×0.5% = 72.5 yuan. The funds collected are used to provide unemployment benefits to eligible unemployed workers.
- Maternity Insurance
- Company Portion: The company's contribution rate for maternity insurance is 0.7%. When the social security base is 14,500 yuan, the company pays 14,500×0.7% = 101.5 yuan per month. Maternity insurance benefits include maternity leave allowances and reimbursement of related medical expenses for childbirth, and individuals do not need to pay this part.
- Work Injury Insurance
- Company Portion: The contribution rate for work injury insurance varies according to the industry risk level of the company. Different industries have different rates, ranging from low to high. For example, low - risk industries may have a rate of around 0.2%, while high - risk industries may reach up to 1.9% or more. Since the specific industry rate for a company with a 14,500 - yuan social security base is not given, we can't calculate the exact amount. But generally, if we assume a rate of 0.5% for example, the company would pay 14,500×0.5% = 72.5 yuan per month. This insurance is used to compensate employees for work - related injuries and disabilities.
In conclusion, when the social security base in Jiujiang is 14,500 yuan, the total monthly social security payment is the sum of the amounts paid by the company and the individual for each type of insurance. It is important to note that these rates and calculations are based on the current policy situation in Jiujiang, and policies may be adjusted in the future.