The differences between the social security bases of 14,900 yuan and 5,000 yuan in Yangzhou, Jiangsu are as follows:
- Monthly payment amount:
- Endowment insurance: The enterprise pays 16% and the individual pays 8%. When the base is 14,900 yuan, the enterprise pays 14,900×16% = 2,384 yuan per month, and the individual pays 14,900×8% = 1,192 yuan per month. When the base is 5,000 yuan, the enterprise pays 5,000×16% = 800 yuan per month, and the individual pays 5,000×8% = 400 yuan per month.
- Medical insurance: The enterprise pays 7.5% and the individual pays 2%. When the base is 14,900 yuan, the enterprise pays 14,900×7.5% = 1,117.5 yuan per month, and the individual pays 14,900×2% = 298 yuan per month. When the base is 5,000 yuan, the enterprise pays 5,000×7.5% = 375 yuan per month, and the individual pays 5,000×2% = 100 yuan per month.
- Unemployment insurance: The enterprise pays 0.5% and the individual pays 0.5%. When the base is 14,900 yuan, the enterprise and the individual each pay 14,900×0.5% = 74.5 yuan per month. When the base is 5,000 yuan, the enterprise and the individual each pay 5,000×0.5% = 25 yuan per month.
- Work-related injury insurance: Paid by the enterprise, with a proportion ranging from 0.2% to 1.9% according to industry risks. Taking 0.4% as an example, when the base is 14,900 yuan, the enterprise pays 14,900×0.4% = 59.6 yuan per month. When the base is 5,000 yuan, the enterprise pays 5,000×0.4% = 20 yuan per month.
- Maternity insurance: Paid by the enterprise, with a proportion of 1%. When the base is 14,900 yuan, the enterprise pays 14,900×1% = 149 yuan per month. When the base is 5,000 yuan, the enterprise pays 5,000×1% = 50 yuan per month. In general, the higher the base, the more both the enterprise and the individual pay each month.
- Pension benefits in the future:
- The calculation of pension is related to factors such as the payment base and payment years. A higher payment base like 14,900 yuan means that more funds are accumulated in the individual pension account during the payment period. When calculating the pension, the part of the individual account pension = the storage amount of the individual account ÷ the number of months of issuance. A higher base leads to a larger storage amount in the individual account, so the individual account pension will be higher. And the basic pension is also related to the average salary of employees in the province and the average payment index. A high payment base will increase the average payment index, thereby increasing the basic pension. Overall, the future pension of those with a payment base of 14,900 yuan will be significantly higher than that of those with a base of 5,000 yuan.
- Medical insurance treatment:
- In terms of the reimbursement of medical expenses, the upper limit of reimbursement for those with a high payment base may be higher in some cases. Although the specific regulations on the upper limit of medical insurance reimbursement in Yangzhou are mainly based on the overall policy, in some areas or specific medical insurance policies, a higher payment base may be linked to a relatively higher reimbursement ceiling or a more favorable reimbursement ratio in some special cases, which means that when seeing a doctor and being hospitalized, more medical expenses can be reimbursed.
In conclusion, the social security bases of 14,900 yuan and 5,000 yuan in Yangzhou, Jiangsu have significant differences in monthly payment amounts, future pension benefits, and medical insurance treatments. When choosing the payment base, individuals should comprehensively consider their own economic situation and future security needs.