The differences between the social security bases of 14,600 yuan and 5,000 yuan in Nantong, Jiangsu are as follows:

1. Monthly payment amount:

• Pension insurance:

• When the base is 14,600 yuan, the personal monthly payment amount is ​
  ×8%=
  yuan, and the unit monthly payment amount is ​
  ×16%=
  yuan.

• When the base is 5,000 yuan, the personal monthly payment amount is ​
  ×8%=
  yuan, and the unit monthly payment amount is ​
  ×16%=
  yuan.

• Medical insurance:

• When the base is 14,600 yuan, the personal monthly payment amount is ​
  ×2%=
  yuan, and the unit monthly payment amount is ​
  ×8%=
  yuan.

• When the base is 5,000 yuan, the personal monthly payment amount is ​
  ×2%=
  yuan, and the unit monthly payment amount is ​
  ×8%=
  yuan.

• Unemployment insurance:

• When the base is 14,600 yuan, the personal monthly payment amount is ​
  ×0.5%=
  yuan, and the unit monthly payment amount is ​
  ×0.5%=
  yuan.

• When the base is 5,000 yuan, the personal monthly payment amount is ​
  ×0.5%=
  yuan, and the unit monthly payment amount is ​
  ×0.5%=
  yuan.

• Work - related injury insurance: Paid by the unit. When the base is 14,600 yuan, the unit monthly payment amount is ​
  ×a%
  (​
  a
  is the industry - specific rate, usually between 0.2% - 1.9%). When the base is 5,000 yuan, the unit monthly payment amount is ​
  ×a%
  .

• Maternity insurance: Paid by the unit. When the base is 14,600 yuan, the unit monthly payment amount is ​
  ×0.8%=116.8
  yuan. When the base is 5,000 yuan, the unit monthly payment amount is ​
  ×0.8%=
  yuan.

2. Pension treatment:

• Basic pension:

• The calculation formula for basic pension is ​
  (provincial−levelaveragewageofon−the−jobemployeesinthepreviousyear+personalaveragecontributionwageindex×provincial−levelaveragewageofon−the−jobemployeesinthepreviousyear)÷×contributionyears×1%
  . A higher contribution base (14,600 yuan) means a higher personal average contribution wage index. Assuming the same contribution years, the basic pension obtained will be higher.

• For example, if the provincial - level average wage of on - the - job employees in the previous year is 6000 yuan, and the contribution years are 30 years. When the contribution base is 5000 yuan, the personal average contribution wage index is ​
  ÷≈0.833
  , and the basic pension is ​
  (+0.833×)÷××1%=
  yuan. When the contribution base is 14600 yuan, the personal average contribution wage index is ​
  ÷≈2.433
  , and the basic pension is ​
  (+2.433×)÷××1%=
  yuan.

• Personal account pension:

• The personal account pension = personal account storage amount​
  ÷
  计发 months. The personal account storage amount is accumulated by personal contributions. When the contribution base is 14,600 yuan, the personal contribution amount is higher, and the personal account storage amount is larger. For example, for the same 30 - year contribution period, when the base is 5000 yuan, the personal account storage amount in the pension insurance is ​
  ×8%××=
  yuan. When the base is 14,600 yuan, the personal account storage amount is ​
  ×8%××=
  yuan. Assuming the same 计发 months (for example, 139 months for those who retire at 60 years old), the personal account pension obtained is also higher when the base is 14,600 yuan.

3. Medical insurance treatment:

• Medical insurance reimbursement amount: Although the reimbursement ratio may not be directly related to the payment base in some areas, in some cases, a higher payment base may be related to a higher maximum reimbursement limit. For example, if the maximum reimbursement limit of medical insurance in Nantong is calculated based on a certain multiple of the payment base, when the base is 14,600 yuan, the maximum reimbursement limit may be higher than when the base is 5,000 yuan.

• Personal account of medical insurance: When the base is 14,600 yuan, the amount credited to the personal medical insurance account is ​
  ×(2%+0.5%)=
  yuan per month (assuming the proportion of the amount credited to the personal account is 2.5% of the payment base). When the base is 5,000 yuan, the amount credited to the personal medical insurance account is ​
  ×(2%+0.5%)=
  yuan per month. A higher amount in the personal medical insurance account means more funds can be used for outpatient medical treatment, purchase of drugs, etc.

4. Unemployment insurance treatment:

• The amount of unemployment insurance benefits is usually related to the payment base and payment period. Generally, a higher payment base and a longer payment period result in higher unemployment insurance benefits. For example, if the calculation formula for unemployment insurance benefits in Nantong is ​
  unemploymentinsurancebenefits=localminimumwagestandard×acoefficientrelatedtothepaymentperiod×acoefficientrelatedtothepaymentbase
  . When the base is 14,600 yuan, the coefficient related to the payment base may be higher, and the obtained unemployment insurance benefits may be more than when the base is 5,000 yuan.

5. Work - related injury insurance and maternity insurance:

• Work - related injury insurance: Although the payment is entirely by the unit and the treatment mainly depends on the degree of work - related injury, a higher payment base means that in the case of work - related injury, the compensation amount calculated based on the wage (such as work - related injury medical expenses, disability subsidies, etc.) may be higher. For example, if the disability subsidy is calculated as a certain multiple of the monthly wage before the work - related injury, when the base is 14,600 yuan, the obtained disability subsidy will be more than when the base is 5,000 yuan.

• Maternity insurance: The maternity allowance is generally calculated based on the average monthly wage of the unit's employees in the previous year (or the personal payment base). When the base is 14,600 yuan, the maternity allowance obtained by female employees during maternity leave will be higher than when the base is 5,000 yuan.

In general, a higher social security base of 14,600 yuan means higher current payment amounts but also potentially higher future social security benefits in aspects such as pensions, medical insurance, unemployment insurance, work - related injury insurance, and maternity insurance compared to a base of 5,000 yuan. However, individuals should choose the appropriate payment base according to their own economic situation and future expectations.

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