In Zhejiang Jinhua, the differences between the social security bases of 10,300 yuan and 5,000 yuan are as follows:
- Payment amount:
- Endowment insurance: The personal payment rate for endowment insurance is 8%. When the base is 10,300 yuan, the personal monthly payment is yuan; when the base is 5,000 yuan, the personal monthly payment is ×8%=yuan. The unit payment rate for endowment insurance was 14% from January to March 2024 and 15% from April 2024. When the base is 10,300 yuan, the unit monthly payment is ×8%=yuan (after April 2024); when the base is 5,000 yuan, the unit monthly payment is ×15%=yuan.×15%=
- Medical insurance: The personal payment rate for medical insurance is 2%. When the base is 10,300 yuan, the personal monthly payment is yuan; when the base is 5,000 yuan, the personal monthly payment is ×2%=yuan. The unit payment rate for medical insurance is 10%. When the base is 10,300 yuan, the unit monthly payment is ×2%=yuan; when the base is 5,000 yuan, the unit monthly payment is ×10%=yuan.×10%=
- Unemployment insurance: The personal payment rate for unemployment insurance is 0.2%. When the base is 10,300 yuan, the personal monthly payment is yuan; when the base is 5,000 yuan, the personal monthly payment is ×0.2%=20.6yuan. The unit payment rate for unemployment insurance is 0.8%. When the base is 10,300 yuan, the unit monthly payment is ×0.2%=yuan; when the base is 5,000 yuan, the unit monthly payment is ×0.8%=82.4yuan.×0.8%=
- Work-related injury insurance and maternity insurance: These are fully borne by the unit. The rates vary according to industries. For example, if the work-related injury insurance rate for a certain industry is 0.5%, when the base is 10,300 yuan, the unit monthly payment for work-related injury insurance is yuan; when the base is 5,000 yuan, the unit monthly payment for work-related injury insurance is ×0.5%=51.5yuan. Maternity insurance rates are also determined according to local policies, and the unit payment amounts also differ based on different bases.×0.5%=
- Pension treatment:
- The pension calculation is related to factors such as the payment base and payment years. Generally, the higher the payment base, the more pension will be received after retirement. The pension is composed of basic pension and individual account pension. The calculation formula for basic pension is: (the sum of the average monthly salary of local employees in the previous year + my average monthly payment salary)÷2×payment years×1%. When the payment base is 10,300 yuan, the "my average monthly payment salary" is higher, and the calculated basic pension will be relatively higher; when the payment base is 5,000 yuan, the calculated basic pension will be lower. The individual account pension = the total amount in the individual account÷the number of months of pension collection. A higher payment base means more funds are deposited into the individual account, so the individual account pension will also be higher when the base is 10,300 yuan compared to 5,000 yuan.
- Medical insurance account return amount:
- The amount returned to the medical insurance personal account is related to the payment base. Generally, the higher the payment base, the more money is returned to the personal account. For example, if the return ratio to the medical insurance personal account is 3% (hypothetical ratio), when the base is 10,300 yuan, the monthly return amount to the personal account is yuan; when the base is 5,000 yuan, the monthly return amount to the personal account is ×3%=yuan. This return amount can be used for outpatient medical treatment, purchase of drugs in pharmacies, etc.×3%=
In summary, the higher the social security base in Jinhua, the more individuals and units need to pay, but the corresponding social security benefits such as pensions and medical insurance account return amounts will also be higher. When choosing a social security base, individuals can comprehensively consider their economic affordability and future benefit expectations.
