In Anhui Huaibei, the main differences between social security bases of 21,500 yuan and 5,000 yuan are as follows:
- Contribution amount: The contribution amount is calculated by multiplying the social security base by the contribution rate. Taking the common contribution rates of various insurances as an example (assuming the contribution rate of endowment insurance is 24% (20% for the unit and 8% for the individual), the contribution rate of medical insurance is 10% (8% for the unit and 2% for the individual), etc.), if the base is 21,500 yuan, the monthly endowment insurance contribution for the unit is 21,500×20% = 4,300 yuan, and the individual contribution is 21,500×8% = 1,720 yuan; if the base is 5,000 yuan, the monthly endowment insurance contribution for the unit is 5,000×20% = 1,000 yuan, and the individual contribution is 5,000×8% = 400 yuan. It can be seen that the higher the base, the more the unit and individual need to pay for each insurance.
- Pension treatment: Pension calculation is related to factors such as the social security contribution base and contribution years. Generally speaking, if other conditions remain the same, a higher contribution base means more contributions are made during the working period, and the accumulated pension account balance will be higher. When calculating the pension, the basic pension and individual account pension will be affected. The basic pension is related to the average salary of employees in the local area and the individual's contribution index (the ratio of the individual's contribution base to the average salary of employees in the local area). A higher contribution base will make the contribution index higher, and the calculated basic pension will be more. The individual account pension is directly related to the amount in the individual account. The higher the contribution base, the more the amount in the individual account, and the more the individual account pension. So, the pension treatment corresponding to a social security base of 21,500 yuan will be much higher than that of 5,000 yuan.
- Medical insurance treatment: Although the medical insurance reimbursement ratio is mainly determined by relevant policies, a higher social security base may have an impact on some aspects. For example, in some places, the amount of the medical insurance individual account is related to the contribution base. A higher contribution base will make the amount deposited into the individual account more, which can be used for medical expenses such as seeing a doctor and buying medicine in the pharmacy.
In general, the difference in social security bases of 21,500 yuan and 5,000 yuan in Huaibei, Anhui, is mainly reflected in the contribution amount, future pension treatment, and some medical insurance treatments. When choosing a social security base, individuals and units need to comprehensively consider economic strength and future treatment needs.
