In Fujian Longyan, the differences between a social security base of 15,500 yuan and 5,000 yuan are as follows:
- Contribution amount:
- Pension insurance: The unit contribution rate is 12%, and the individual contribution rate is 8%. With a base of 15,500 yuan, the unit pays yuan per month, and the individual pays ×12%=yuan per month. With a base of 5,000 yuan, the unit pays ×8%=yuan per month, and the individual pays ×12%=yuan per month.×8%=
- Medical insurance: The unit contribution rate is 8%, and the individual contribution rate is 2%. For a base of 15,500 yuan, the unit pays yuan per month, and the individual pays ×8%=yuan per month. For a base of 5,000 yuan, the unit pays ×2%=yuan per month, and the individual pays ×8%=yuan per month.×2%=
- Unemployment insurance: The unit contribution rate is 2%, and the individual contribution rate is 1%. When the base is 15,500 yuan, the unit pays yuan per month, and the individual pays ×2%=yuan per month. When the base is 5,000 yuan, the unit pays ×1%=yuan per month, and the individual pays ×2%=yuan per month.×1%=
- Work injury insurance: The unit contribution rate varies by industry risk level, generally around 0.5% - 2% (here, calculated at 1.2% for example), and individuals do not contribute. For a base of 15,500 yuan, the unit pays yuan per month. For a base of 5,000 yuan, the unit pays ×1.2%=yuan per month.×1.2%=
- Maternity insurance: The unit contribution rate is 0.7%, and individuals do not contribute. With a base of 15,500 yuan, the unit pays yuan per month. With a base of 5,000 yuan, the unit pays ×0.7%=108.5yuan per month.×0.7%=
- Pension treatment:
- Basic pension: The formula for calculation is complex. Generally speaking, the higher the contribution base, the higher the pension. The basic pension = (the average monthly salary of employees in the previous year in the province + my index - average salary) 2 ÷contribution years ×1%. Assuming the average monthly salary of employees in the previous year in the province is 6,000 yuan, for a contribution base of 15,500 yuan, the index - average salary is relatively high, and for a contribution base of 5,000 yuan, the index - average salary is relatively low.×
- Personal account pension: Personal account pension = the amount in the personal account the number of 计发 months (for example, 139 months for retirement at 60 years old). With a base of 15,500 yuan, more is deposited into the personal account each month, and the amount in the personal account at retirement is larger. With a base of 5,000 yuan, less is deposited into the personal account each month, and the amount in the personal account at retirement is smaller.÷
- Medical insurance reimbursement: In some cases, the upper limit of medical insurance reimbursement may be related to the contribution base. A higher contribution base may lead to a higher upper limit of reimbursement in some areas, but the specific situation needs to refer to the local medical insurance policy in Longyan.
In general, a social security base of 15,500 yuan means higher current contributions but may bring higher pension treatment and potentially better medical insurance benefits in the future compared to a base of 5,000 yuan. However, individuals should choose the appropriate contribution base according to their own economic situation and future expectations.
