In Anhui Ma'anshan, the main differences between a social security base of 12,200 and 5,000 are as follows:
- Premium amount:
- Employee contribution: With a base of 12,200, the amount deducted from the employee's salary for various social security insurances is higher. For example, for pension insurance, if the individual contribution rate is 8%, the monthly contribution is yuan. While with a base of 5,000, the monthly contribution is ×8%=yuan.×8%=
- Employer contribution: The employer also has to pay more contributions with a higher base. For instance, for pension insurance, if the employer contribution rate is 16%, with a base of 12,200, the employer pays yuan per month; with a base of 5,000, it pays ×16%=yuan per month.×16%=
- Pension benefits in the future:
- Generally, the higher the social security contribution base during employment, the higher the pension received after retirement. Those with a contribution base of 12,200 will have a larger pension account balance due to higher contributions over the years. When calculating the pension, factors such as the average contribution index are related to the contribution base. A higher base leads to a higher average contribution index, which in turn increases the calculated pension amount.
- Medical insurance benefits:
- Medical reimbursement ceiling: In some cases, a higher social security base may be associated with a higher medical reimbursement ceiling. This means that for individuals with a base of 12,200, they may be able to get more reimbursement for serious illnesses within the scope of medical insurance regulations compared to those with a base of 5,000.
- Personal medical account: The amount credited to the personal medical account is also related to the social security base. With a base of 12,200, more money will be credited to the personal medical account, which can be used for outpatient consultations, purchasing drugs, etc., providing more convenience for personal medical expenses.
In summary, the choice of social security base in Ma'anshan, Anhui, has a significant impact on both current contributions and future benefits. Higher bases result in higher contributions now but potentially greater benefits in the future. It is important for individuals and employers to make rational choices based on their actual situations.
