The differences between the social security base of 6,600 yuan and 5,000 yuan in Taizhou, Jiangsu are as follows:
- Payment amount:
- Employee contribution:
- Pension insurance: For the 6,600 - yuan base, with an 8% personal contribution rate, the monthly contribution is yuan. For the 5,000 - yuan base, with the same 8% rate, the monthly contribution is ×8%=yuan.×8%=
- Medical insurance: Generally, the personal contribution rate is 2%. For the 6,600 - yuan base, the monthly contribution is yuan. For the 5,000 - yuan base, it is ×2%=yuan.×2%=
- Unemployment insurance: With a personal contribution rate of 0.5%, for the 6,600 - yuan base, the monthly contribution is yuan. For the 5,000 - yuan base, it is ×0.5%=yuan.×0.5%=
- Employer contribution:
- Pension insurance: The employer contribution rate is 16%. For the 6,600 - yuan base, the monthly contribution is yuan. For the 5,000 - yuan base, it is ×16%=yuan.×16%=
- Medical insurance: With an employer contribution rate of about 8%, for the 6,600 - yuan base, the monthly contribution is yuan. For the 5,000 - yuan base, it is ×8%=yuan.×8%=
- Unemployment insurance: The employer contribution rate is 1%. For the 6,600 - yuan base, the monthly contribution is yuan. For the 5,000 - yuan base, it is ×1%=yuan. And the contributions for work - related injury insurance and maternity insurance (rates vary by industry) will also be higher for the 6,600 - yuan base.×1%=
- Future benefits:
- Pension: The pension calculation is related to the average monthly contribution base during the working period. A higher contribution base of 6,600 yuan means that the individual account balance will be higher. When calculating the pension, the part related to the individual account pension (individual account balance =计发 months) and the part related to the basic pension (affected by the average contribution index, and a higher contribution base leads to a higher average contribution index) will both be higher. So, the pension received will generally be more than that calculated based on the 5,000 - yuan base.÷
- Medical insurance: Although the reimbursement ratio is usually the same for the same type of insured person, a higher contribution base may lead to a higher amount of medical insurance personal account funds. For example, some of the personal contributions and a part of the employer contributions are transferred to the personal account. With a 6,600 - yuan base, more money will be transferred to the personal account, which can be used for medical expenses such as seeing a doctor and buying medicine in the outpatient department.
In general, choosing a higher social security base of 6,600 yuan means paying more social security fees currently, but it may bring relatively more pension and medical insurance benefits in the future. When choosing the social security base, individuals need to comprehensively consider their current economic situation and future expectations.
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