In Anhui Fuyang, the main differences between the social security base of 17,400 yuan and 5,000 yuan are as follows:
- Payment amount:
- Endowment insurance: If the enterprise pays 16% and the individual pays 8%, when the base is 17,400 yuan, the enterprise pays 17,400×16% = 2,784 yuan per month, and the individual pays 17,400×8% = 1,392 yuan per month; when the base is 5,000 yuan, the enterprise pays 5,000×16% = 800 yuan per month, and the individual pays 5,000×8% = 400 yuan per month.
- Medical insurance: Assuming the enterprise pays 8% and the individual pays 2%, when the base is 17,400 yuan, the enterprise pays 17,400×8% = 1,392 yuan per month, and the individual pays 17,400×2% = 348 yuan per month; when the base is 5,000 yuan, the enterprise pays 5,000×8% = 400 yuan per month, and the individual pays 5,000×2% = 100 yuan per month. The same is true for other insurances, and the payment amount will vary greatly due to the difference in the base.
- Future treatment:
- Pension: The pension calculation is related to factors such as the payment base and payment years. A higher payment base like 17,400 yuan means that more money is accumulated in the pension account during the payment period. In the future, when calculating the pension, other conditions being the same, the pension amount obtained will be higher than that with a base of 5,000 yuan.
- Medical reimbursement: In some cases, the upper limit of medical reimbursement may be related to the payment base. A higher payment base may correspond to a higher upper limit of medical reimbursement, which means that when seeking medical treatment, more medical expenses can be reimbursed.
In general, a higher social security base of 17,400 yuan means higher current payments but also the possibility of obtaining more generous treatment in the future; while a base of 5,000 yuan has lower current payments, and the corresponding future treatment will also be at a relatively lower level. When choosing a social security base, individuals can comprehensively consider their current economic situation and future expectations.
