What is the maximum social security base?

The maximum payment base of social security should be determined according to the average social wage. Generally, the payment base is 60%-300% of the average social wage. For example, the average social wage 1000 yuan, and the payment base can be 600 yuan-3,000 yuan.

The upper limit of social security payment base refers to the maximum monthly salary paid by employees when paying social security. In China, according to the specific conditions and policy requirements of different regions, the upper limit of different social security types is different. Usually, the upper limits of basic old-age insurance, unemployment insurance and industrial injury insurance are the same, while the upper limit of medical insurance is higher. Taking 20 19 as an example, the upper limit of China's social security payment base ranges from 19753 yuan to 30405 yuan. However, since 202 1, the upper limit of the national social insurance payment base is 3 1676 yuan. This means that when employees pay social security, if their monthly salary exceeds 3 1.676 yuan, the excess will no longer be included in the social security payment base and they will no longer enjoy social security benefits. It should be noted that although the upper limit of social security payment base is constantly increasing, the specific payment amount and proportion need to be calculated in combination with local policies and actual conditions. At the same time, different types of social security and payment items also have different regulations, and the specific situation needs to consult relevant departments or professionals.

Benefits of purchasing social insurance:

1, endowment insurance:

Accumulated social security contributions for at least 15 years, but if you pay more, you can enjoy pension benefits after retirement (male 60, female 55). As far as Guangzhou is concerned, anyone who has bought Guangzhou social security for ten years can enjoy retirement benefits in Guangzhou when he retires.

2. Medical insurance:

If you buy medical insurance, you can enjoy outpatient reimbursement and hospitalization discounts. Although both enterprises and individuals need to pay for medical insurance, all the medical insurance premiums paid by individuals in the current month are transferred to their own medical insurance cards or passbooks, that is, individuals do not have to pay. You can usually use the money in this account to buy medicine or pay for it. Moreover, after paying medical insurance, you don't have to worry about the high cost of illness treatment. Because of the national guarantee, the maximum reimbursement amount is 4 ~ 6 times the average salary of the whole city last year. The part suffering from serious illness that exceeds the maximum payment limit can be paid according to 90% ~ 95% of the Medicaid for major diseases, and the maximum payment can be10.5 million yuan (the expenses for major diseases are purchased by the enterprise). After retirement, men who have paid for 30 years and women who have paid for 25 years can also enjoy medical insurance benefits without paying any more.

3. Work injury insurance:

After purchasing work-related injury insurance, the wages of workers who are injured at work and temporarily or permanently lose their ability to work will be compensated, which is also a medical care and life care measure for workers with work-related injuries. Industrial injury insurance is purchased by enterprises, and individuals do not have to bear the expenses.

To sum up, individuals can participate in endowment insurance and medical insurance as flexible employees. Flexible employees who enjoy social insurance subsidies must register for employment in accordance with the regulations, participate in social insurance in their personal capacity, and pay social insurance premiums in full and on time according to the prescribed payment base.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 64

Social insurance funds include basic endowment insurance fund, basic medical insurance fund, industrial injury insurance fund, unemployment insurance fund and maternity insurance fund. All social insurance funds shall be accounted for according to the types of social insurance, and a unified national accounting system shall be implemented. The social insurance fund is earmarked for special purposes, and no organization or individual may occupy or misappropriate it. The basic old-age insurance fund will gradually implement national overall planning, and other social insurance funds will gradually implement provincial overall planning. The specific time and steps shall be stipulated by the State Council.