The difference between the social security base of 19,900 yuan and 5,000 yuan in Huai'an, Jiangsu mainly lies in the following aspects:
- Payment amount: The higher the social security base, the more social security contributions need to be paid. If the base is 19,900 yuan, the amount of various social insurance premiums such as pension insurance, medical insurance, unemployment insurance, work-related injury insurance, and maternity insurance paid by individuals and units will be much higher than when the base is 5,000 yuan. For example, for pension insurance, if the individual contribution rate is 8%, when the base is 19,900 yuan, the individual monthly contribution is yuan; when the base is 5,000 yuan, the individual monthly contribution is ×8%=yuan.×8%=
- Pension treatment: The pension is related to the payment base. A higher payment base usually means a higher pension treatment in the future. When calculating the pension, factors such as the average contribution index during the entire payment period are involved. A higher base of 19,900 yuan will make the average contribution index relatively high, resulting in a larger amount of basic pension and individual account pension.
- Medical insurance benefits: To a certain extent, it may also affect medical insurance benefits. For example, in some cases, the reimbursement ceiling or the proportion of reimbursement for some high-cost drugs and treatments may be related to the social security base. A higher base may provide relatively more favorable medical insurance treatment in some aspects.
In general, choosing a higher social security base means paying more contributions during the working period, but it also brings the possibility of enjoying more abundant social security benefits in the future, such as higher pensions and better medical insurance treatment. When choosing a social security base, individuals can comprehensively consider their economic situation, income expectations, and future security needs.