In Jiangsu Lianyungang, the main differences between a social security base of 12,800 yuan and 5,000 yuan are as follows:
- Payment amount:
- For employees: If the base is 12,800 yuan, the individual's contribution to pension insurance is 12,800×8% = 1,024 yuan per month; if the base is 5,000 yuan, the individual's contribution is 5,000×8% = 400 yuan per month. The same calculation method applies to other insurances such as medical insurance and unemployment insurance. For example, for medical insurance, if the individual contribution rate is 2%, when the base is 12,800 yuan, the individual pays 12,800×2% = 256 yuan per month; when the base is 5,000 yuan, the individual pays 5,000×2% = 100 yuan per month.
- For employers: When the base is 12,800 yuan, the employer's contribution to pension insurance is 12,800×16% = 2,048 yuan per month; when the base is 5,000 yuan, the employer's contribution is 5,000×16% = 800 yuan per month. And for other insurances like work - related injury insurance and maternity insurance (the contribution rates vary according to different industries and policies), the contribution amounts also change significantly with the change of the base.
- Pension benefits:
- The pension calculation is related to the payment base. The higher the payment base, the more the individual's pension account will be accumulated. When calculating the basic pension, the part related to the average salary of the local employees in the previous year and the individual's index - linked payment salary will be affected. Assuming the same payment period, if the payment base is 12,800 yuan, the individual's index - linked payment salary is higher, and the calculated basic pension will be relatively higher. For the personal account pension, when the base is 12,800 yuan, the amount accumulated in the personal account is much more than when the base is 5,000 yuan, so the personal account pension received after retirement will also be higher.
- Medical insurance account:
- The amount transferred into the medical insurance personal account is related to the payment base. When the payment base is 12,800 yuan, the amount transferred into the medical insurance personal account each month is more than when the base is 5,000 yuan. For example, if the transfer rate is 3% (including individual and employer contributions transferred), when the base is 12,800 yuan, the amount transferred into the personal account is 12,800×3% = 384 yuan per month; when the base is 5,000 yuan, it is 5,000×3% = 150 yuan per month. This means that with a higher base, there will be more funds available for personal medical expenses such as seeing a doctor in the pharmacy.
- Unemployment insurance benefits:
- Although the specific amount of unemployment insurance benefits is also affected by factors such as the length of payment, the payment base also has an impact. A higher payment base usually means that when unemployed, the amount of unemployment insurance benefits received may be relatively higher, because the calculation of unemployment insurance benefits is related to the average wage during the payment period to a certain extent.
In general, a higher social security payment base in Lianyungang, such as 12,800 yuan compared to 5,000 yuan, means higher current payments but also potentially higher future benefits in terms of pensions, medical insurance accounts, and unemployment insurance benefits. However, individuals should choose the appropriate payment base according to their own economic situation and future expectations.
社保基数对个人保障权益影响重大，若你还想了解这两个基数在其他保险项目（如生育、工伤）上的差异，或者想知道如何根据自身情况选择合适基数，都能随时问我。
