In Fujian Xiamen, the main differences between a social security base of 16,100 yuan and 5,000 yuan are as follows:
- Payment amount:
- Pension insurance: For employees, the pension insurance contribution rate is generally 8% for individuals and 16% for units. If the base is 16,100 yuan, the individual monthly payment is yuan, and the unit payment is ×8%=yuan. If the base is 5,000 yuan, the individual monthly payment is ×16%=yuan, and the unit payment is ×8%=yuan.×16%=
- Medical insurance: In 2024, the employer's contribution rate for employee basic medical insurance in Xiamen is 6.5%, and the individual's is 2%. When the base is 16,100 yuan, the individual monthly payment is yuan, and the unit payment is ×2%=yuan. When the base is 5,000 yuan, the individual monthly payment is ×6.5%=1046.5yuan, and the unit payment is ×2%=yuan.×6.5%=
- Unemployment insurance: The total contribution rate of unemployment insurance is 1% (shared by the unit and the individual). If the base is 16,100 yuan, the total monthly payment (unit + individual) is yuan. If the base is 5,000 yuan, the total monthly payment is ×1%=yuan.×1%=
- Work-related injury insurance: The rate varies according to different industries. Suppose the industry rate is 0.5%. When the base is 16,100 yuan, the unit's monthly payment is yuan. When the base is 5,000 yuan, the unit's monthly payment is ×0.5%=80.5yuan. The employee does not pay for work-related injury insurance.×0.5%=
- Maternity insurance: The employer's contribution rate for maternity insurance in Xiamen is 0.7%. When the base is 16,100 yuan, the unit's monthly payment is yuan. When the base is 5,000 yuan, the unit's monthly payment is ×0.7%=112.7yuan. Employees do not pay for maternity insurance.×0.7%=
- Treatment in the future:
- Pension treatment: The pension calculation is related to factors such as the payment base and payment years. A higher payment base like 16,100 yuan means that more money is paid into the pension account during the working period. In the future, when calculating the pension, the part of the individual account pension will be higher, and the overall pension amount will also be relatively higher compared to a base of 5,000 yuan.
- Medical reimbursement: Although the reimbursement ratio is generally the same in the same medical insurance type and level of hospitals, a higher payment base may be related to a higher medical insurance account balance. For example, in some cases where personal account funds can be used for self-purchase of drugs or some out-of-pocket expenses, a person with a higher payment base may have more funds available in the personal account.
- Impact on enterprises:
- Cost: For enterprises, the higher the social security base of employees, the higher the cost of social security contributions. If an enterprise has an employee with a social security base of 16,100 yuan, compared to an employee with a base of 5,000 yuan, the enterprise needs to pay much more in social security contributions each month, which will increase the overall labor cost of the enterprise.
In general, a higher social security base of 16,100 yuan means higher current payments for both individuals and units, but it also brings the possibility of higher future benefits. A lower base of 5,000 yuan results in lower current payments, but the corresponding future benefits may also be reduced. When choosing a social security base, individuals and enterprises should comprehensively consider their own economic situations and long-term needs.
follow-up questions regarding social security policies in Xiamen, like how to calculate specific benefits based on these differences, I'd be more than happy to further assist you.
