In 2024, for flexible - employment individuals in Jinhua, Zhejiang, a social security contribution base of 5000 yuan belongs to the second - highest tier. The contribution base range for social security in Jinhua in 2024 is from 4462 yuan (the lowest tier, 60% ratio) to 24060 yuan (the highest tier, 300% ratio). The amount of 5000 yuan lies within this range, and generally corresponds to the 80% contribution tier (i.e., the second - highest tier). Here's a breakdown:
- Tier classification:
- Lowest tier: The lowest contribution base is 4462 yuan, which is set at 60% of the relevant benchmark. This is designed to ensure that individuals with lower incomes can still participate in the social security system and enjoy basic social security benefits.
- Second - highest tier: A contribution base of 5000 yuan, falling into the second - highest tier, represents an 80% contribution level. This tier is suitable for flexible - employment individuals who have a moderate income and hope to obtain relatively higher pension benefits in the future. By choosing this tier, they contribute more during their working years, which will lead to a higher pension amount when they retire.
- Highest tier: The highest contribution base is 24060 yuan, which is 300% of the benchmark. High - income earners may choose this tier to maximize their social security benefits, such as pension and medical insurance reimbursement amounts.
- Corresponding contribution amounts:
- For flexible - employment individuals: The contribution rate for pension insurance is 20%. So, if the contribution base is 5000 yuan, the monthly pension insurance contribution is yuan. Among this, a certain proportion will be credited to the individual's personal account, which will be used to calculate the personal account pension part in the future pension. The specific proportion of the personal account storage amount is determined according to relevant regulations.×20%=
- Impact on benefits:
- Pension calculation: The pension is composed of basic pension and personal account pension. The choice of a 5000 - yuan contribution base (second - highest tier) will make the calculated basic pension higher compared to the lowest - tier contribution base. The formula for calculating the basic pension is related to factors such as the average wage of on - the - job employees in the province in the previous year and the individual's average contribution index. A higher contribution base means a higher individual average contribution index, thus increasing the amount of the basic pension. At the same time, the personal account pension is calculated based on the amount stored in the personal account. The more contributions made with a 5000 - yuan base, the more funds will be accumulated in the personal account, and the higher the personal account pension will be when retiring.
- Medical insurance: Although the medical insurance reimbursement ratio may not be directly affected by the contribution base in the short term, in some cases, a higher contribution base may be related to a higher medical insurance reimbursement ceiling in the long run. This provides better medical security for individuals.
In general, a social security contribution base of 5000 yuan in Jinhua, Zhejiang in 2024 is at the second - highest tier, which is a choice for those with a certain income level to obtain better social security benefits. When choosing a contribution base, individuals should comprehensively consider their current economic situation and future benefit expectations.
