In Jiangsu Huai'an, the main differences between the social security base of 6000 and 5000 are as follows:
- Payment amount: The payment amount is directly affected by the base. The higher the base, the more the individual and the unit pay. For example, in the case of endowment insurance, if the unit contribution rate is 16% and the individual contribution rate is 8%, when the base is 6000, the unit pays 6000×16% = 960 yuan per month, and the individual pays 6000×8% = 480 yuan per month; when the base is 5000, the unit pays 5000×16% = 800 yuan per month, and the individual pays 5000×8% = 400 yuan per month.
- Pension treatment: The pension calculation is related to the payment base. A higher payment base usually leads to a higher pension. Since the pension calculation formula takes into account factors such as the average payment index (related to the payment base), a base of 6000 will make the average payment index higher compared to a base of 5000, which will result in a relatively higher pension amount when retiring.
- Treatment of other insurances: In addition to endowment insurance, for medical insurance, a higher base also means that the amount transferred to the personal account is more. For example, if the transfer ratio of the medical insurance personal account is 2%, when the base is 6000, the amount transferred to the personal account per month is 6000×2% = 120 yuan; when the base is 5000, it is 5000×2% = 100 yuan. For work-related injury insurance and unemployment insurance, the treatment calculation also has a certain relationship with the payment base, and a higher base may lead to relatively higher compensation or allowance amounts in case of corresponding situations.
In general, choosing a social security base of 6000 means paying more in the current period, but it is likely to bring higher social security treatment in the future, especially in terms of pension and the amount in the medical insurance personal account. When choosing a social security base, individuals need to comprehensively consider their own economic situation and long-term needs.
