The difference between the social security base of 4800 and 5000 in Shaoxing, Zhejiang mainly lies in the following aspects:
- Payment amount:
- Pension insurance: If the social security base is 4800 yuan, calculated at a personal contribution rate of 8% and a unit contribution rate of 14%, the personal monthly contribution is 4800×8% = 384 yuan, and the unit monthly contribution is 4800×14% = 672 yuan. If the base is 5000 yuan, the personal monthly contribution is 5000×8% = 400 yuan, and the unit monthly contribution is 5000×14% = 700 yuan. The higher the base, the more the individual and the unit need to pay.
- Medical insurance: With a personal contribution rate of 2% and a unit contribution rate of 8.5%, when the base is 4800 yuan, the personal monthly contribution is 4800×2% = 96 yuan, and the unit monthly contribution is 4800×8.5% = 408 yuan. When the base is 5000 yuan, the personal monthly contribution is 5000×2% = 100 yuan, and the unit monthly contribution is 5000×8.5% = 425 yuan.
- Unemployment insurance: At a personal and unit contribution rate of 0.5% each, when the base is 4800 yuan, the total monthly contribution of the individual and the unit is 4800×(0.5% + 0.5%) = 48 yuan. When the base is 5000 yuan, it is 5000×(0.5% + 0.5%) = 50 yuan.
- Pension treatment: In the future, when calculating pensions, the pension formula is related to factors such as the payment base and payment years. Generally speaking, if other conditions are the same, the higher the payment base (such as 5000 yuan compared to 4800 yuan), the more the pension received after retirement will be. Because a higher payment base means that more money is accumulated in the personal pension account, and the pension calculation will take into account the balance of the personal account and the average social wage index during the payment period.
- Medical insurance account balance: The amount returned to the personal medical insurance account is related to the payment base. When the base is 5000 yuan, the amount returned to the personal medical insurance account will be more than when the base is 4800 yuan. This part of the money can be used to pay for outpatient medical expenses, purchase drugs, etc.
In general, a higher social security base in Shaoxing, such as 5000 yuan compared to 4800 yuan, means that both individuals and units need to pay more social security fees, but in the future, individuals may enjoy higher pension treatment and more medical insurance account balances. However, specific policies may be adjusted according to local regulations, so it is recommended to consult the local social security department for accurate information.
