The difference between the social security base of 13,400 yuan and 5,000 yuan in Taizhou, Jiangsu mainly lies in the following aspects:
- Payment amount:
- Employee contribution: The higher the social security base, the more employees need to contribute. For example, in the case of pension insurance, if the base is 5,000 yuan, the employee's monthly contribution is yuan; if the base is 13,400 yuan, the employee's monthly contribution is ×8%=yuan.×8%=
- Employer contribution: The employer also needs to pay more when the social security base is higher. Taking pension insurance as an example, if the base is 5,000 yuan, the employer's monthly contribution is yuan; if the base is 13,400 yuan, the employer's monthly contribution is ×16%=yuan.×16%=
- Social security benefits:
- Pension: A higher social security base usually means a higher pension after retirement. The pension calculation is related to the contribution base and years. A person with a contribution base of 13,400 yuan will generally have a higher pension than a person with a contribution base of 5,000 yuan under the same contribution years.
- Medical insurance: The reimbursement amount and scope of medical insurance may also be affected. A higher contribution base may lead to a higher reimbursement ceiling and better medical insurance benefits.
- Overall social security level:
- A higher social security base indicates a higher overall social security level. It can provide more comprehensive and higher - quality social security protection, including better treatment in case of work - related injuries, unemployment, and maternity.
In general, choosing a higher social security base means paying more contributions during the working period, but it also brings more abundant social security benefits in the future. When choosing a social security base, individuals and employers should consider their actual economic situation and long - term needs.
