In Anhui Chuzhou, the difference between the social security base of 21,900 yuan and 5,000 yuan is mainly reflected in the following aspects:
- Payment amount:
- Employee contributions: If the base is 21,900 yuan, employees will pay more for social security in various aspects. For example, in pension insurance, if the individual contribution rate is 8%, the monthly contribution is 21,900×8% = 1,752 yuan. While with a base of 5,000 yuan, the monthly contribution is 5,000×8% = 400 yuan. The same logic applies to medical insurance, unemployment insurance, etc. Generally, the higher the base, the higher the proportion of personal contributions in different insurance types, resulting in a significantly higher total personal payment amount.
- Employer contributions: Employers also need to contribute more when the base is 21,900 yuan. Taking pension insurance as an example, if the employer contribution rate is 16%, the monthly contribution is 21,900×16% = 3,504 yuan. When the base is 5,000 yuan, the employer's monthly contribution is 5,000×16% = 800 yuan. The increase in the employer's contribution amount is also substantial as the base rises, covering multiple social insurance items such as work-related injury insurance and maternity insurance (if applicable), which are calculated based on the payroll base.
- Benefits received:
- Pension: In the future, when calculating the pension, a higher social security base of 21,900 yuan will generally result in a higher pension. The pension calculation formula usually takes into account factors such as the contribution base and contribution years. A higher base means that the individual account pension and the basic pension calculated from the average wage of the local employees will be relatively higher. For example, the individual account pension = the cumulative amount in the individual account ÷ the number of months of pension distribution. A higher contribution base leads to a larger cumulative amount in the individual account, thus increasing the individual account pension. In contrast, with a base of 5,000 yuan, the pension amount will be relatively lower.
- Medical insurance: The reimbursement amount and scope in medical insurance may also be affected. Some areas may have regulations related to the contribution base. For example, a higher contribution base may be associated with a higher reimbursement ceiling or a more favorable reimbursement ratio in some cases. Although the specific regulations vary by region, generally, a higher contribution base may provide more comprehensive medical security in terms of reimbursement, such as covering more types of medical expenses or having a lower deductible amount.
- Applicable population:
- A social security base of 21,900 yuan is usually applicable to employees with relatively high income levels, whose actual monthly average wage reaches or exceeds a certain proportion (usually around 300% of the local average wage). For example, if the local average wage is 7,300 yuan (hypothetical value), 300% of it is 21,900 yuan. High - income employees in some well - paid industries or positions may fall into this category.
- A base of 5,000 yuan is more suitable for employees with medium or lower income levels. If their actual monthly average wage is close to this amount or within the range allowed to choose this base (such as between 60% - 300% of the local average wage), they will use this base for social security contributions. This includes a large number of ordinary workers in general industries.
In summary, the difference between the social security base of 21,900 yuan and 5,000 yuan in Chuzhou, Anhui, is significant in terms of payment amount, future benefits, and the applicable population. Employees should choose the appropriate social security base according to their actual income situation and long - term planning.
