The difference between the social security base of 6,500 yuan and 5,000 yuan in Taizhou, Jiangsu mainly lies in the following aspects:
- Payment amount: The higher the social security base, the more the employer and employee need to pay. For example, in terms of endowment insurance, if the unit payment ratio is 16% and the individual payment ratio is 8%, when the base is 6,500 yuan, the unit pays 6,500×16% = 1,040 yuan per month, and the individual pays 6,500×8% = 520 yuan per month. When the base is 5,000 yuan, the unit pays 5,000×16% = 800 yuan per month, and the individual pays 5,000×8% = 400 yuan per month.
- Pension treatment: The amount of pension received after retirement is related to the social security base. Generally speaking, a higher social security base means more contributions during the working period, and thus a higher pension level is expected to be obtained after retirement. Because the pension calculation formula takes into account factors such as the average contribution index, and a higher base will increase the average contribution index.
- Other social security benefits: For medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, a higher social security base may also affect the corresponding treatment standards. For example, in medical insurance, the reimbursement ceiling and some reimbursement ratios may be related to the social security base. In work-related injury insurance, the compensation amount may also be affected to some extent.
In general, choosing a higher social security base means paying more contributions during the working period, but it also has the potential to obtain more social security benefits in the future, especially in terms of pension treatment. When choosing a social security base, individuals can comprehensively consider their economic situation and long-term planning.
