In Hefei, Anhui, the main differences between a social security base of 14,500 yuan and 5,000 yuan are as follows:
- Payment amount: The higher the social security base, the more social security contributions an individual and their employer need to pay. For example, for pension insurance, if the employer contribution rate is 16% and the individual contribution rate is 8%, with a base of 14,500 yuan, the employer pays 14,500×16% = 2,320 yuan per month, and the individual pays 14,500×8% = 1,160 yuan per month. With a base of 5,000 yuan, the employer pays 5,000×16% = 800 yuan per month, and the individual pays 5,000×8% = 400 yuan per month.
- Pension benefits: When it comes to pension calculation, a higher social security base usually leads to higher pension benefits in the future. The pension is related to factors such as the cumulative contribution amount and contribution years. A higher contribution base means a larger amount of contributions accumulated over the years, which will increase the calculation base for pension benefits.
- Medical insurance 个人账户: A higher social security base will result in more funds being transferred into the medical insurance personal account. The money in the personal account can be used to pay for outpatient medical expenses, purchase medicines, etc. For example, if the proportion of transfer to the personal account is 3% of the base, with a base of 14,500 yuan, 14,500×3% = 435 yuan is transferred into the personal account per month; with a base of 5,000 yuan, 5,000×3% = 150 yuan is transferred per month.
- Unemployment insurance benefits: The amount of unemployment insurance benefits is also related to the contribution base to some extent. Generally, a higher contribution base may lead to relatively higher unemployment insurance benefits when unemployed, but other factors such as contribution years also play a role.
In general, choosing a higher social security base means paying more contributions currently, but it also brings the potential for higher social security benefits in the future, especially in aspects such as pensions and medical insurance personal accounts. However, individuals and employers need to make choices based on their actual economic situations and long - term planning.
