In 2025, the upper limit of the basic pension insurance payment base in Lishui, Zhejiang is 17,950 yuan, and the lower limit is 3,590 yuan. The base of 19,200 yuan exceeds the upper limit, so the actual payment base will be calculated according to the upper limit of 17,950 yuan. The difference between the two bases is mainly reflected in the following aspects:
- Monthly payment amount:
- Unit payment:
- When the base is 17,950 yuan, taking the basic pension insurance as an example, the unit payment ratio is 14%, and the unit pays 17,950×14% = 2,513 yuan per month.
- When the base is 5,000 yuan, the unit pays 5,000×14% = 700 yuan per month.
- Personal payment:
- When the base is 17,950 yuan, the personal payment ratio of basic pension insurance is 8%, and the individual pays 17,950×8% = 1,436 yuan per month.
- When the base is 5,000 yuan, the individual pays 5,000×8% = 400 yuan per month.
- Future pension treatment:
- The pension calculation is related to the payment base. Generally speaking, the higher the payment base, the more pension you will get in the future.
- Taking the basic pension insurance as an example, the pension is composed of the basic pension and the individual account pension. A higher payment base means that more money is paid into the individual account, and the individual account pension will be more. At the same time, the basic pension will also be affected by the average salary of employees in the region and the payment index (the ratio of the payment base to the average salary of employees in the region). The higher the payment base, the higher the payment index, and the higher the basic pension.
- Medical insurance account balance:
- When the base is 17,950 yuan, the amount entered into the personal medical insurance account each month is more. For example, if the proportion of the personal medical insurance account is 2%, then 17,950×2% = 359 yuan is entered into the personal account each month.
- When the base is 5,000 yuan, only 5,000×2% = 100 yuan is entered into the personal account each month. This means that when you go to the hospital to see a doctor or buy medicine, the amount of money that can be used in the personal medical insurance account is different.
In general, choosing a higher payment base means paying more social security premiums in the current period, but it will bring more benefits in terms of pension treatment and medical insurance account balance in the future. You can choose an appropriate payment base according to your own economic situation and future expectations.
不知道这些区别有没有解答你的疑惑呢？如果你对社保基数的计算方式，或者其他社保相关内容还有疑问，都能随时问我。
