The main differences between the social security base of 21,700 yuan and 5,000 yuan in Huai'an, Jiangsu are as follows:
- Payment amount:
- With a higher base of 21,700 yuan, the monthly payment amount for various social insurances such as pension, medical, unemployment, work-related injury, and maternity insurances will be much higher. For example, for the pension insurance, if the individual contribution rate is 8%, with a base of 21,700 yuan, the individual monthly contribution is 21,700×8% = 1,736 yuan; while with a base of 5,000 yuan, the individual monthly contribution is 5,000×8% = 400 yuan. The same principle applies to other insurances.
- Future benefits:
- Pension: In the future, when receiving pensions, those with a higher payment base of 21,700 yuan will generally receive higher pension benefits. Because pension calculation is related to the payment base and payment years. A higher payment base means more contributions are accumulated in the personal account, and the pension calculated according to the relevant formula will be relatively high.
- Medical insurance: The reimbursement ceiling and the amount that can be reimbursed for medical expenses in the future may also be different. Those with a higher payment base may enjoy a higher reimbursement ceiling and more favorable reimbursement policies in some cases, which can better guarantee medical treatment needs.
- Applicable population:
- A base of 21,700 yuan is usually applicable to high - income earners, such as senior executives in enterprises, professionals with high incomes. Their actual income is relatively high, and the social security base is determined according to their income level.
- A base of 5,000 yuan may be applicable to ordinary employees with average incomes, such as general office staff, service industry employees with relatively stable but not high incomes.
In general, the choice of social security base should be determined according to one's own income level and future expectations. A higher base means higher current payments but potentially better future benefits, while a lower base has lower current financial pressure but relatively lower future benefits.
