Shanxi province social security payment base over the years

On June 24th, Shanxi Provincial Department of Human Resources and Social Security announced the relevant standards of the province's social security payment base in 2022:

In 202 1 year, the average wage of employees in full-caliber urban units was 70,968 yuan, and the average monthly wage was 59 14 yuan.

Therefore, in June 2022, 5438+1 October1,the upper and lower limits of the monthly payment base of social insurance (including medical insurance) in Shanxi Province are 3548 yuan to 17742 yuan.

How much does it cost to participate in social security?

Participating in social insurance mainly includes two situations: employees of employers participating in social security and flexible employees participating in social security.

Employees of employers participate in social security, and social insurance premiums are shared by employees and employers. They need to participate in four major insurances: basic old-age insurance, basic medical insurance, industrial injury insurance and unemployment insurance.

For basic old-age insurance, employees themselves need to bear 8% of the individual contribution base. The corresponding payment base cannot be freely selected, but is determined according to the monthly average amount of the total wages of employees in the previous year. When the employee's contribution base is the lower limit, he needs to pay 283.84 yuan per month.

The payment base of an employer is generally the sum of the payment bases of its employees, and in some places it is determined according to the total wages of employees. The unit contribution ratio is generally 16%. For employees, the employer also has to pay 567.68 yuan.

If you include medical insurance, industrial injury insurance and unemployment insurance, you need to pay 1230 yuan almost every month.

If the maximum payment base of 300% is 17742 yuan, the payment is five times of the minimum base, and you need to pay more than 6,000 yuan almost every month.

The participation of flexible employees in social insurance mainly means that individuals can selectively participate in basic old-age insurance and basic medical insurance. The contribution rate of the basic old-age insurance is 20%, so if the payment is made according to the minimum base of 60%, the old-age insurance premium will be 709.6 yuan per month, which is 85 15.2 yuan a year. If you choose the maximum payment base of 300%, you need to pay 42,576 yuan a year.

Generally speaking, when we calculate the pension, the difference between the 60% contribution base and the 300% contribution base is not as big as five times. In addition, the proportion of medical insurance reimbursement for high and low payment bases is basically the same.