In Jingzhou, Hubei, the social security contribution base of 7800 yuan and 5000 yuan has the following differences:
- Monthly contribution amount:
- Since the contribution amount = contribution base × contribution ratio, for different contribution bases, the contribution amount will vary. For example, in the case of endowment insurance, if the enterprise contribution ratio is 16% and the individual contribution ratio is 8%, when the contribution base is 7800 yuan, the enterprise monthly contribution is 7800×16% = 1248 yuan, and the individual monthly contribution is 7800×8% = 624 yuan; when the contribution base is 5000 yuan, the enterprise monthly contribution is 5000×16% = 800 yuan, and the individual monthly contribution is 5000×8% = 400 yuan. The same principle applies to other insurances such as medical insurance and unemployment insurance. The higher the contribution base, the higher the contribution amount paid by both the enterprise and the individual.
- Impact on pension treatment:
- Pension calculation is related to the contribution base. Generally, the higher the contribution base, the more contributions are paid during the working period, and the more favorable the pension treatment will be after retirement. For instance, the basic pension = (provincial on - year average wage of employees in the previous year + my index - linked average wage of contribution)÷2×contribution years×1%. The "my index - linked average wage of contribution" is related to the contribution base. If the contribution base is 7800 yuan, the corresponding index - linked average wage of contribution is relatively high, which will increase the calculated value of the basic pension. In addition, the personal account pension = personal account storage amount÷ 计发 months. A higher contribution base means more money is deposited into the personal account, so the personal account pension will also be higher.
- Medical insurance treatment:
- Although the reimbursement ratio of medical insurance is mainly determined by the nature of medical expenses and the type of medical insurance, the contribution base will affect the amount of money in the personal medical account. When the contribution base is 7800 yuan, more money will be allocated to the personal medical account each month, which can be used to pay for outpatient medical expenses, purchase drugs, etc. For example, if the proportion of allocation to the personal account in medical insurance is 3% of the contribution base, when the contribution base is 7800 yuan, the monthly allocation to the personal account is 7800×3% = 234 yuan; when the contribution base is 5000 yuan, the monthly allocation to the personal account is 5000×3% = 150 yuan.
In general, choosing a higher social security contribution base in Jingzhou, such as 7800 yuan, means paying more contributions during the working period, but it also brings the possibility of better pension and medical insurance treatment in the future. When choosing a contribution base, individuals and enterprises need to comprehensively consider their economic affordability and future security needs.
