The main differences between the social security base of 4,500 yuan and 5,000 yuan in Fuzhou, Fujian are as follows:
- Payment amount: The payment amount of various insurances such as endowment insurance, medical insurance, unemployment insurance, and housing provident fund is calculated based on the payment base. Taking the endowment insurance as an example, if the payment proportion of the unit is 16% and that of the individual is 8%, when the base is 4,500 yuan, the unit pays 4,500×16% = 720 yuan per month, and the individual pays 4,500×8% = 360 yuan per month; when the base is 5,000 yuan, the unit pays 5,000×16% = 800 yuan per month, and the individual pays 5,000×8% = 400 yuan per month. The higher the base, the more the unit and individual need to pay.
- Treatment enjoyment:
- Pension: The pension calculation is related to the payment base. The higher the payment base, the more the personal account accumulates, and the higher the pension received after retirement. For example, in the calculation of the pension, the part of the personal account pension = the total amount of the personal account ÷ the number of months of pension distribution. If the base is 5,000 yuan, the amount deposited in the personal account is more than when the base is 4,500 yuan, and the personal account pension is also higher.
- Medical insurance: The reimbursement amount and proportion of medical insurance may also be affected by the payment base. Generally, a higher payment base may lead to a higher reimbursement ceiling and a higher reimbursement proportion in some cases, allowing insured persons to bear less medical expenses. For example, in some areas, the reimbursement ceiling of medical insurance is related to the average wage of employees in the previous year or the payment base. A higher payment base may make the insured person closer to or reach a higher reimbursement ceiling.
- Unemployment insurance: Although the amount of unemployment insurance benefits is mainly related to the local minimum wage standard and the length of payment, the higher the payment base, the more the amount of unemployment insurance premiums paid by the unit and the individual, which may also have an impact on the length of the unemployment insurance payment period and the amount of benefits in the long run. For example, in some regulations, the longer the cumulative payment period of unemployment insurance premiums, the longer the unemployment insurance benefit period. The higher the payment base, the more the premiums paid, which may help to increase the cumulative payment period.
In general, a higher social security base means higher payments, but also brings the possibility of enjoying higher benefits in the future. When choosing a social security base, individuals need to comprehensively consider their own economic situation and long-term benefits.
