The difference between the social security base of 5200 and 5000 in Huai'an, Jiangsu mainly lies in the following aspects:
- Payment amount: The payment amount of various social insurances is calculated by multiplying the payment base by the corresponding payment ratio. Since the base of 5200 is higher than 5000, when the payment ratio remains unchanged, the amount paid by both the individual and the unit for social security will be higher with a base of 5200. For example, in the case of pension insurance, if the individual payment ratio is 8%, the individual payment amount with a base of 5200 is yuan, while with a base of 5000, it is ×8%=yuan.×8%=
- Pension treatment in the future: The calculation of pension 待遇 is related to the payment base. Generally, the higher the payment base, the more the individual account accumulates during the payment period. When calculating the pension after retirement, factors such as the individual account pension will be affected. A higher payment base like 5200 will make the individual account balance larger, which is likely to result in a relatively higher pension amount compared to a base of 5000.
- Medical insurance treatment: Although the impact on the general medical insurance reimbursement ratio may not be significant, a higher payment base means that more funds are paid into the medical insurance account. This may lead to a larger balance in the personal medical insurance account, which can be used for medical expenses such as seeing a doctor and buying medicine in the future. For example, when purchasing drugs with the personal medical insurance account, the amount available for use will be more with a base of 5200.
In general, choosing a higher social security base like 5200 means paying more currently, but it also brings the potential for better social security treatment in the future, especially in terms of pension and medical insurance account balances. However, individuals should also consider their own economic situation when choosing the payment base to ensure that it is both affordable and can meet future security needs.
