In Anhui Lu'an, the differences between a social security base of 8500 and 5000 are as follows:
- Payment amount:
- For employees:
- When the base is 8500, if the pension insurance contribution rate for employees is 8%, the monthly pension insurance contribution is yuan. If the medical insurance contribution rate is 2%, the monthly medical insurance contribution is ×8%=yuan.×2%=
- When the base is 5000, with the same pension insurance contribution rate of 8%, the monthly pension insurance contribution is yuan. And with a 2% medical insurance contribution rate, the monthly medical insurance contribution is ×8%=yuan. The total monthly contributions for various insurances with a base of 8500 are significantly higher than those with a base of 5000.×2%=
- For employers:
- For example, for pension insurance, if the employer's contribution rate is 16%, when the base is 8500, the employer's monthly pension insurance contribution is yuan. When the base is 5000, the employer's monthly pension insurance contribution is ×16%=yuan. Employers need to pay more social security contributions for employees with a higher base.×16%=
- Pension benefits in the future:
- The pension calculation is related to the social security payment base. Generally, the higher the payment base, the more pension benefits will be obtained in the future. If other conditions are the same, a person with a payment base of 8500 during the payment period will likely have a higher pension than a person with a payment base of 5000. Because part of the pension calculation is related to the average index of personal payment wages. A higher payment base means a higher average index of personal payment wages, which will increase the amount of basic pension and personal account pension.
- Medical insurance reimbursement:
- In some cases, the medical insurance reimbursement ceiling may be related to the social security payment base. A higher payment base may correspond to a higher medical insurance reimbursement ceiling. For example, if the local medical insurance reimbursement ceiling is calculated based on a certain multiple of the social security base, with a base of 8500, the reimbursement ceiling may be higher than that with a base of 5000, which means that in case of serious illness, more medical expenses may be reimbursed.
In general, a higher social security base of 8500 in Lu'an, Anhui, means higher current payment amounts, but also has the potential to bring more benefits in pension and medical insurance in the future compared to a base of 5000. When choosing a social security base, individuals and employers need to comprehensively consider their own economic situation and long - term needs.
