In Xiangyang, Hubei, the difference between the social security base of 13,100 yuan and 5,000 yuan is significant. Firstly, the amount of social security contributions paid is different. With a higher base of 13,100 yuan, individuals and employers will pay more in contributions. Secondly, the future social security benefits will vary. Higher contributions based on the 13,100 - yuan base are likely to result in higher pension and other benefits in the future. Here are the detailed differences:

1. Contribution amount:

• Pension insurance: In Xiangyang, if the pension insurance contribution rate for employees is assumed to be 8% for individuals and 16% for employers (common rates, subject to actual local regulations). When the base is 5,000 yuan, the individual monthly contribution is ​
  ×8%=
  yuan, and the employer's monthly contribution is ​
  ×16%=
  yuan. When the base is 13,100 yuan, the individual monthly contribution is ​
  ×8%=
  yuan, and the employer's monthly contribution is ​
  ×16%=
  yuan.

• Medical insurance: Suppose the medical insurance contribution rate for individuals is 2% and for employers is 8%. With a base of 5,000 yuan, the individual monthly contribution is ​
  ×2%=
  yuan, and the employer's monthly contribution is ​
  ×8%=
  yuan. With a base of 13,100 yuan, the individual monthly contribution is ​
  ×2%=
  yuan, and the employer's monthly contribution is ​
  ×8%=
  yuan. Similar differences exist for unemployment insurance, work - related injury insurance, and maternity insurance contributions.

2. Benefit level:

• Pension: The pension calculation is related to the contribution base and years of contribution. A higher contribution base of 13,100 yuan means that when calculating the pension, the part related to the average contribution index will be higher. In general, the pension = basic pension + individual account pension. The basic pension is related to the local average wage and the average contribution index. The individual account pension is related to the amount in the individual pension account. With a higher contribution base, more money is accumulated in the individual pension account, and the calculated pension will be higher.

• Medical benefits: Although the medical reimbursement ratio is mainly determined by the type of medical insurance and local policies, in some cases, a higher contribution base may be related to a higher maximum reimbursement amount or a higher amount in the personal medical account. For example, the amount injected into the personal medical account is usually calculated based on a certain percentage of the contribution base. With a base of 13,100 yuan, more money will be injected into the personal medical account compared to a base of 5,000 yuan, which can be used for outpatient medical expenses and the purchase of drugs.

In conclusion, choosing a higher social security base of 13,100 yuan means paying more in contributions currently, but it also has the potential to bring more substantial social security benefits in the future. When choosing a social security base, individuals and employers need to comprehensively consider their economic situation and long - term interests.