福建厦门社保基数18700能拿多少

有家健康网 2025-04-27阅读量：8612

In Xiamen, Fujian, the amount of social security benefits you can receive with a base of 18,700 yuan depends on multiple factors, mainly calculated through the following aspects:

1. Pension Insurance:

• Basic Pension: It is calculated based on the formula ​(Averagemonthlywageofon−the−jobemployeesintheprovinceinthepreviousyear+Indexedaveragemonthlycontributionwage)÷×Contributionyears×1%. If the average monthly wage of on - the - job employees in Fujian in the previous year is assumed to be ​X yuan, and the contribution years are ​n years, and the indexed average monthly contribution wage corresponding to the base of 18,700 yuan is calculated according to relevant regulations. The higher the base, the higher the indexed average monthly contribution wage, which will increase the value of this part of the pension.

• Individual Account Pension: The formula is ​Retirementindividualaccountbalance÷Pensionpaymentmonthscorrespondingtotheretirementage. With a contribution base of 18,700 yuan, 8% of the base (for employees) is deposited into the individual account each month. Assuming the contribution period is long enough, the balance in the individual account will be relatively high, and the resulting individual account pension will also be relatively high. For example, if the monthly contribution to the individual account is ​×8%= yuan, over the years, plus interest, the balance in the individual account will gradually accumulate.

2. Medical Insurance: When the medical insurance base is 18,700 yuan, the amount of medical insurance premiums paid by the unit and the individual is calculated according to the corresponding proportion. The unit pays 6.5% and the individual pays 2% of the base. The amount of medical insurance premiums paid affects the medical insurance treatment, such as the reimbursement amount for medical expenses. Generally, a higher contribution base may lead to a higher reimbursement ceiling in some cases.

3. Unemployment Insurance: The unit pays 0.5% and the individual pays 0.5% of the base. When unemployed, the amount of unemployment benefits is related to the contribution base and contribution years. With a high base of 18,700 yuan, in theory, the amount of unemployment benefits may be relatively high, but it also needs to meet relevant unemployment insurance claim conditions.

4. Maternity Insurance: The unit pays 0.7% of the base. For female employees who meet the maternity insurance conditions, they can enjoy maternity allowances and reimbursement of maternity medical expenses. The calculation of maternity allowances is usually related to the average wage of employees in the unit during the maternity leave period, and a high base may have a certain impact on the calculation of maternity allowances.

5. Work - related Injury Insurance: The unit pays according to the industry risk level, and the individual does not pay. With a high contribution base, if a work - related injury occurs, the compensation amount for work - related injuries may be affected to a certain extent, as some compensation items are related to the wage income of employees.

In general, with a social security base of 18,700 yuan in Xiamen, Fujian, the amount of various social security benefits is relatively high, but the specific amount still needs to be accurately calculated according to personal contribution years, age at retirement, and other actual situations. It is recommended to consult the local social security department for detailed inquiries.