The main differences between the social security base of 17,700 yuan and 5,000 yuan in Chizhou, Anhui are as follows:
- Payment amount:
- Endowment insurance: For employees, the individual payment ratio is 8%. When the base is 17,700 yuan, the individual monthly payment is yuan; when the base is 5,000 yuan, the individual monthly payment is ×8%=yuan. For employers, the contribution ratio is generally around 16% (the specific ratio may vary in different regions). When the base is 17,700 yuan, the employer's monthly payment is ×8%=yuan; when the base is 5,000 yuan, the employer's monthly payment is ×16%=yuan.×16%=
- Medical insurance: Suppose the total medical insurance contribution ratio is 10% (including personal and unit contributions, and the specific ratio is subject to local regulations). When the base is 17,700 yuan, the total monthly payment is yuan; when the base is 5,000 yuan, the total monthly payment is ×10%=yuan. The individual payment part generally accounts for about 2%, so when the base is 17,700 yuan, the individual monthly payment is ×10%=yuan; when the base is 5,000 yuan, the individual monthly payment is ×2%=yuan.×2%=
- Other insurances: Unemployment insurance, work-related injury insurance, and maternity insurance also have corresponding differences in payment amounts according to different bases. For example, for unemployment insurance, if the total contribution ratio of the unit and the individual is 1%, when the base is 17,700 yuan, the total monthly payment is yuan; when the base is 5,000 yuan, the total monthly payment is ×1%=yuan. Work-related injury insurance is generally paid by the unit, and the rate varies according to the industry risk level. Maternity insurance is also mainly paid by the unit, and the specific payment amount is also related to the base.×1%=
- Treatment enjoyment:
- Pension: The pension calculation is related to factors such as the payment base and payment years. Generally speaking, the higher the payment base, the higher the pension received in the future. The pension calculation formula is more complex, but simply put, the higher the base of 17,700 yuan, the more contributions are accumulated in the personal account, and the higher the pension calculated from the personal account part. In addition, the basic pension part is also related to the average social wage and the average contribution index (the ratio of the personal payment base to the average social wage). A higher payment base will also have a positive impact on the calculation of the basic pension.
- Medical insurance: The reimbursement amount and reimbursement ratio of medical insurance may also be affected by the payment base in some areas. For example, some areas may set a higher annual maximum reimbursement amount for those with a higher payment base. In addition, the amount of personal account funds in medical insurance is also related to the payment base. When the base is 17,700 yuan, the amount of personal account funds entered is more than when the base is 5,000 yuan, which can be used for outpatient medical treatment, purchase of drugs, etc.
- Account balance:
- Personal account of endowment insurance: As mentioned above, because the contribution amount is different, the amount entered into the personal account of endowment insurance is also different. When the base is 17,700 yuan, more money will be entered into the personal account every month, and over time, the balance of the personal account will be much higher than when the base is 5,000 yuan. This has a direct impact on the amount of pension received in the future.
- Personal account of medical insurance: Similarly, the amount of personal account funds in medical insurance is also related to the payment base. A higher payment base means more funds are entered into the personal account, which can provide more convenience for personal medical expenses.
In general, choosing a higher social security base such as 17,700 yuan means paying more social security fees, but it also brings higher future treatment, including higher pensions and better medical insurance treatment. Choosing a lower base such as 5,000 yuan pays less fees, but the future treatment will also be relatively lower. It is recommended that individuals choose an appropriate social security base according to their own economic situation and future expectations.
