In Huangshi, Hubei, the differences between social security contribution bases of 6,700 yuan and 5,000 yuan are as follows:
- Monthly contribution amount:
- Pension insurance: If the contribution rate is 20% (taking the flexible - employment individual as an example), when the contribution base is 6,700 yuan, the monthly pension insurance contribution is yuan; when the contribution base is 5,000 yuan, the monthly contribution is ×20%=yuan.×20%=
- Medical insurance: Generally, if the contribution rate is 8% (approximate rate for employees, and the rate for flexible - employment individuals may vary), when the contribution base is 6,700 yuan, the monthly medical insurance contribution is yuan; when the contribution base is 5,000 yuan, the monthly contribution is ×8%=yuan. The actual medical insurance contribution also needs to consider local policies and additional fees such as large - amount medical insurance.×8%=
- Pension treatment after retirement:
- The pension calculation formula is complex, but the contribution base is an important factor. A higher contribution base of 6,700 yuan means that more funds are accumulated in the pension account during the payment period. Assuming other conditions are the same, the pension received after retirement will be higher. For example, in the calculation of the basic pension, the part related to the average contribution index is affected by the contribution base. A higher contribution base will increase the average contribution index, thereby increasing the amount of the basic pension.
- Benefits in other insurances:
- Unemployment insurance: The amount of unemployment insurance benefits is related to the contribution base to a certain extent. Usually, the higher the contribution base, the more unemployment insurance premiums are paid, and the amount of unemployment insurance benefits received in the future may also be relatively higher.
- Work - related injury insurance: Although the work - related injury insurance premium is paid by the employer, the contribution base also affects the calculation of work - related injury compensation in case of work - related injuries. If the contribution base is 6,700 yuan, in the case of work - related injuries, the compensation amount calculated based on the wage standard may be higher than that calculated based on a contribution base of 5,000 yuan, such as in the calculation of disability allowances and other items.
In general, a higher social security contribution base of 6,700 yuan means higher current contributions, but it also brings the possibility of higher benefits in pension, unemployment insurance, and work - related injury insurance in the future. When choosing a contribution base, individuals need to comprehensively consider their current economic situation and long - term security needs.
