The difference between the social security base of 14,900 yuan and 5,000 yuan in Wuhu, Anhui mainly lies in the following aspects:
- Contribution amount: With a higher base of 14,900 yuan, the amount paid by both the individual and the employer for various social insurances such as pension, medical, unemployment, work-related injury, and maternity insurance will be significantly higher than when the base is 5,000 yuan. For example, for pension insurance, if the contribution rate is 8% for individuals and 16% for employers, when the base is 14,900 yuan, the individual pays 14,900×8% = 1,192 yuan per month, and the employer pays 14,900×16% = 2,384 yuan per month; while when the base is 5,000 yuan, the individual pays 5,000×8% = 400 yuan per month, and the employer pays 5,000×16% = 800 yuan per month.
- Pension treatment in the future: Generally, the higher the social security contribution base during the working period, the more pension benefits can be obtained after retirement. Because the pension calculation is related to factors such as the average monthly contribution base and the contribution years. A higher base of 14,900 yuan means that more money is accumulated in the pension account during the working years, and the pension calculated based on relevant formulas will be relatively higher than that with a base of 5,000 yuan.
- Medical insurance treatment: Although the basic medical insurance reimbursement ratio is mainly determined by policies, a higher social security base may be related to a higher amount of medical insurance account funds. For example, part of the individual's and employer's contributions will be allocated to the individual's medical insurance account. With a base of 14,900 yuan, more funds will be allocated to the account, which can be used for expenses such as seeing a doctor and buying medicine in the outpatient department, providing more convenience and financial support for individuals in medical consumption.
- Unemployment, work-related injury, and maternity insurance: For unemployment insurance, the amount of unemployment benefits received in the future may be affected to some extent by the contribution base. A higher contribution base may lead to relatively higher unemployment benefits. For work-related injury insurance, the compensation standard in case of work-related injuries is also related to the social security base. A higher base may result in higher compensation amounts. For maternity insurance, it may affect some benefits such as maternity allowances, and a higher base usually means more maternity allowances.
In general, choosing a higher social security base like 14,900 yuan means paying more contributions during the working period, but it also brings more generous social security benefits in the future, including higher pension amounts, better medical insurance treatment, and more favorable treatment in other aspects of social insurance. However, individuals need to comprehensively consider their own economic situation and long-term planning when choosing the social security base.
