In Taizhou, Zhejiang, the main differences between the social security base of 20,500 yuan and 5,000 yuan are as follows:
- Payment amount:
- Pension insurance: If the base is 20,500 yuan, with the individual contribution rate of 8% (for employees), the individual monthly payment is yuan; if the base is 5,000 yuan, the individual monthly payment is ,×8%=yuan. For the unit, the contribution rate is generally 15% (approximate value), then when the base is 20,500 yuan, the unit monthly payment is ×8%=yuan; when the base is 5,000 yuan, the unit monthly payment is ,×15%=yuan.×
- Medical insurance: The individual contribution rate is about 2%, when the base is 20,500 yuan, the individual monthly payment is yuan; when the base is 5,000 yuan, the individual monthly payment is ,×2%=yuan. The unit contribution rate is about 5.6%, so when the base is 20,500 yuan, the unit monthly payment is ×2%=yuan; when the base is 5,000 yuan, the unit monthly payment is ,×5.6%=yuan.×5.6%=
- Unemployment insurance: The individual contribution rate is 0.2%, when the base is 20,500 yuan, the individual monthly payment is yuan; when the base is 5,000 yuan, the individual monthly payment is ,×0.2%=yuan. The unit contribution rate is 0.48%, so when the base is 20,500 yuan, the unit monthly payment is ×0.2%=yuan; when the base is 5,000 yuan, the unit monthly payment is ,×0.48%=98.4yuan.×0.48%=
- Benefits in the future:
- Pension: The pension calculation is related to the payment base and payment years. A higher payment base like 20,500 yuan will result in a larger amount of money entered into the personal pension account over the years. Assuming the same payment years (for example, 15 years), according to the pension calculation formula (, where Pension=Basicpension+Personalaccountpension, Basicpension=(Averagesalaryoflocalemployeesinthepreviousyear+Myaveragecontributionsalaryindex)A~⋅A~ContributionyearsA~1%). With a higher payment base, both the basic pension and personal account pension will be higher. For example, if the average salary of local employees in the previous year is 6000 yuan, for the 20,500 - yuan base, the contribution index is relatively high, and the calculated basic pension and personal account pension will be much higher than that with a 5000 - yuan base.Personalaccountpension=PersonalaccountstorageamountA~⋅Calculationmonths
- Medical insurance: Although the reimbursement ratio of medical insurance is generally not directly affected by the payment base, a higher payment base means that more money will be returned to the personal medical insurance account. When the base is 20,500 yuan, more money will be returned to the personal medical insurance account each month for the individual to use for purchasing drugs, seeing a doctor in the outpatient department, etc. compared with a 5000 - yuan base.
- Unemployment insurance: A higher payment base means that when unemployed, the amount of unemployment insurance benefits received may be higher, because the calculation of unemployment insurance benefits is related to the payment base and payment years.
In general, a higher social security base in Taizhou, such as 20,500 yuan, requires higher current payments but will bring more substantial social security benefits in the future, including higher pensions, more money returned to the medical insurance account, and potentially higher unemployment insurance benefits. When choosing a social security base, individuals need to comprehensively consider their current economic situation and future security needs.
