福建莆田社保基数10500能拿多少

有家健康网 2025-04-27阅读量：4890

In Fujian Putian, if the social security base is 10,500 yuan, the amount received mainly depends on different types of social security benefits:

1. Pension:

• Basic Pension: Calculated as ​(local average wage of on−the−job employees in the previous year+personal index−based average contribution wage)/2×contribution years×1%. However, without information on local average wage and contribution years, we can't give an exact figure. For example, if the local average wage is similar to the contribution base of 10,500 yuan and the contribution years are 15 years, the basic pension would be ​(+)/2××1%= yuan per month (this is just a rough estimate for illustration, actual local average wage may vary).

• Personal Account Pension: First, calculate the personal account storage amount. The personal contribution rate for pension is 8%, so the monthly personal contribution is ​×8%= yuan. Assume the contribution years are ​n years, then the personal account storage amount is ​××n yuan. When retiring, the personal account pension = personal account storage amount÷corresponding pension payment months. For example, if a man retires at 60 years old (corresponding payment months are 139), and the contribution years are 15 years, the personal account storage amount is ​××= yuan, and the personal account pension is ​÷≈ yuan per month.

2. Medical Insurance:

• For employees, the personal contribution rate is 2%, so the monthly personal contribution is ​×2%= yuan. The medical insurance mainly provides reimbursement for medical expenses. The specific reimbursement ratio and scope vary according to local policies. For example, for in - patient expenses, after meeting the deductible, the reimbursement ratio may be around 70% - 90% for some categories of expenses in local public hospitals.

3. Unemployment Insurance:

• The personal contribution rate is 0.5%, so the monthly personal contribution is ​×0.5%=52.5 yuan. If unemployed under non - voluntary circumstances and having paid unemployment insurance for more than one year, one can receive unemployment benefits. The amount of unemployment benefits is generally a certain proportion of the local minimum wage. For example, if the local minimum wage is 1800 yuan, and the unemployment benefit is 80% of the minimum wage, it would be ​×80%= yuan per month, and the payment period is related to the length of payment, usually ranging from several months to more than a dozen months.

4. Work - related Injury Insurance:

• The employer is responsible for the contribution, and the personal does not contribute. The contribution rate of the employer ranges from 0.2% - 1.9% according to different industries. For example, if it is a low - risk industry with a contribution rate of 0.2%, the employer's monthly contribution is ​×0.2%= yuan. In case of work - related injuries, employees can get compensation for medical expenses, disability allowances, etc. according to the degree of injury.

5. Maternity Insurance:

• Has been integrated into medical insurance. The employer is responsible for the contribution, and the contribution rate is 1%, so the employer's monthly contribution is ​×1%= yuan. Female employees can enjoy maternity leave benefits, including maternity allowances, which are generally calculated based on the average wage of the employer in the previous year during the maternity leave period.

It should be noted that the above calculations are for reference only. The actual amount of social security benefits is affected by many factors such as local policies, contribution years, and the specific situation of individuals. It is recommended to consult the local social security department for accurate information.