The difference between the social security base of 6,500 yuan and 5,000 yuan in Lishui, Zhejiang lies in the amount of payment and the resulting benefits:
- Payment amount: The social security premium is calculated by multiplying the social security base by the payment ratio of each insurance type. Since the base of 6,500 yuan is higher than 5,000 yuan, when the payment ratio remains the same, the premiums paid for various insurances such as pension, medical, unemployment, work - related injury, and maternity insurance will be higher with a base of 6,500 yuan. For example, if the pension insurance payment ratio is 20% (assuming, including both employer and employee contributions), with a base of 5,000 yuan, the total monthly pension insurance payment is 5,000×20% = 1,000 yuan; while with a base of 6,500 yuan, it is 6,500×20% = 1,300 yuan.
- Pension benefits: In the case of pension insurance, a higher social security base generally leads to higher pension benefits in the future. The pension calculation is related to factors such as the average social wage in the area during the retirement period and the individual's contribution base and years of contribution. Paying at a base of 6,500 yuan means that more funds are accumulated in the individual pension account during the contribution period. When calculating the pension, both the basic pension part and the individual account pension part will be affected. Usually, the pension received will be relatively higher compared to paying at a base of 5,000 yuan.
- Medical insurance benefits: Although the medical insurance reimbursement ratio is mainly determined by policies, a higher social security base may also have an impact. For example, in some places, the amount of the personal medical account is calculated based on a certain percentage of the social security base. With a base of 6,500 yuan, the amount injected into the personal medical account each month will be more than that with a base of 5,000 yuan, which can be used for medical expenses such as seeing a doctor and buying medicine in the pharmacy.
In general, choosing a higher social security base like 6,500 yuan means paying more premiums during the working period, but it also brings the possibility of enjoying more abundant social security benefits in the future, especially in terms of pension and medical insurance. However, individuals also need to consider their own economic affordability when choosing the social security base.
