The difference between the social security base of 18,800 and 5,000 in Suqian, Jiangsu mainly lies in the following aspects:
- Payment amount: With a social security base of 18,800, both the individual and the unit need to pay more social security fees. For example, for pension insurance, if the individual payment ratio is 8%, the individual needs to pay 18,800×8% = 1,504 yuan per month; while with a base of 5,000, the individual only needs to pay 5,000×8% = 400 yuan per month. The same logic applies to other types of insurance such as medical insurance, unemployment insurance, etc. The higher the base, the higher the total payment amount.
- Pension benefits: When it comes to pension calculation, a higher social security base like 18,800 usually leads to higher pension benefits in the future. The pension calculation is related to factors such as the contribution base and contribution years. A higher base means a larger amount accumulated in the personal pension account over the years, and when calculating the pension, the amount of the personal account pension and the basic pension will generally be higher compared to a base of 5,000.
- Medical insurance account: For medical insurance, a higher social security base of 18,800 will result in a larger amount being credited to the personal medical insurance account. As the personal medical insurance contribution is a certain percentage of the base, a higher base means more money is put into the personal account, which can be used for medical expenses such as seeing a doctor and buying medicine in the future. With a base of 5,000, the amount credited to the personal medical insurance account will be relatively less.
- Unemployment insurance and other benefits: Similarly, for unemployment insurance and some other social security benefits, the amount of benefits related to the contribution base will also be different. A higher social security base of 18,800 may lead to higher unemployment insurance benefits in case of unemployment, while a base of 5,000 will result in relatively lower benefits.
In general, a higher social security base of 18,800 means more contributions in the present but may bring relatively more social security benefits in the future, while a base of 5,000 has the opposite situation. When choosing a social security base, individuals and units need to comprehensively consider their economic situations and future benefit expectations.
医保账户及失业保险等方面阐述了两者区别，你是否还想深入了解某一项社保福利受基数影响的具体计算方式呢？
