In Shaoxing, Zhejiang, the differences between a social security base of 13,800 yuan and 5,000 yuan are as follows:
- Payment amount:
- Employee contribution: With a higher base of 13,800 yuan, employees will contribute more. For example, in pension insurance, if the individual contribution rate is 8%, an employee with a base of 13,800 yuan will contribute 13,800×8% = 1,104 yuan per month, while an employee with a base of 5,000 yuan will contribute 5,000×8% = 400 yuan per month. The same principle applies to other insurances like medical, unemployment, etc., where higher bases lead to higher individual contributions.
- Employer contribution: Employers also need to pay more when the base is 13,800 yuan. Taking pension insurance as an example again, if the employer contribution rate is 14%, for a base of 13,800 yuan, the employer's contribution is 13,800×14% = 1,932 yuan per month, and for a base of 5,000 yuan, it is 5,000×14% = 700 yuan per month.
- Pension benefits:
- The pension calculation is related to the social security payment base. Generally, the higher the payment base, the more pension one can receive after retirement. Those with a base of 13,800 yuan will have a larger personal pension account balance accumulated over time due to higher contributions. When calculating the pension, factors such as the average social wage in Shaoxing during the retirement period, the number of years of payment, and the personal account balance are considered. With a larger personal account balance for those with a higher base, the final pension amount will be relatively higher.
- Medical insurance account:
- For medical insurance, a higher payment base means more funds are credited to the individual's medical insurance account. For instance, if the proportion of funds credited to the medical insurance account is 3% (including personal and employer contributions in the credited part), for a base of 13,800 yuan, the amount credited to the account per month is approximately 13,800×3% = 414 yuan, while for a base of 5,000 yuan, it is 5,000×3% = 150 yuan. This means that individuals with a higher base can use more money in their medical insurance accounts for medical expenses such as seeing a doctor and buying medicine.
- Unemployment insurance and other benefits:
- Unemployment insurance benefits are also related to the payment base to a certain extent. A higher payment base may result in a higher amount of unemployment insurance benefits received in case of unemployment. Although the specific calculation formula is complex and involves factors such as the length of service, the base is one of the important influencing factors. Similarly, for work - related injury insurance and maternity insurance, a higher base may have an impact on the amount of compensation and benefits received, but the specific situation depends on the relevant regulations and the nature of the incident.
In conclusion, in Shaoxing, Zhejiang, a social security base of 13,800 yuan is associated with higher payment amounts, more favorable pension and medical insurance benefits, and potentially different levels of other insurance benefits compared to a base of 5,000 yuan. When choosing a social security base, individuals and employers should comprehensively consider their economic conditions and long - term benefits.
