The differences between the social security base of 20,000 and 5,000 in Huainan, Anhui are as follows:

1. Payment amount:

• Endowment insurance:

• If the base is 20,000, for enterprise employees, the individual pays 8% of 20,000, which is 1600 yuan per month; the unit pays 16% of 20,000, which is 3200 yuan per month. For flexible - employed people, they pay 20% of 20,000, which is 4000 yuan per month.

• If the base is 5,000, for enterprise employees, the individual pays 8% of 5,000, which is 400 yuan per month; the unit pays 16% of 5,000, which is 800 yuan per month. For flexible - employed people, they pay 20% of 5,000, which is 1000 yuan per month.

• Medical insurance:

• When the base is 20,000, the amount paid by the individual and the unit will be relatively high. For example, if the individual payment rate is 2%, the individual pays 400 yuan per month.

• When the base is 5,000, if the individual payment rate is 2%, the individual only pays 100 yuan per month.

2. Treatment after retirement:

• Pension:

• The pension is related to factors such as the payment base and payment period. A higher payment base of 20,000 means that more money is paid into the pension account during the working period, and the pension received after retirement will be higher. The pension calculation formula includes factors such as the average salary of on - the - job employees in the province in the previous year, the personal payment index (related to the payment base), and the payment period.

• With a base of 5,000, the amount of money paid into the pension account is less, and the pension received after retirement will be relatively lower compared to a base of 20,000.

• Medical insurance treatment: Although the payment base generally does not affect the medical insurance reimbursement ratio in Huainan, a higher payment base may mean a higher amount in the personal medical insurance account, which can be used for expenses such as seeing a doctor and buying medicine in the outpatient department.

3. Unemployment insurance:

• The calculation of unemployment insurance benefits is related to the average payment base in the previous 12 months. If the payment base is 20,000, the unemployment insurance benefits calculated will be higher. For example, if the unemployment insurance benefit standard is calculated as a certain percentage of the average payment base (such as 40% - 50% depending on the length of payment), the amount of benefits will be more.

• When the payment base is 5,000, the calculated unemployment insurance benefits will be lower.

In general, choosing a higher social security base of 20,000 means paying more social security fees during the working period, but it will also bring relatively higher pension and other social security treatment after retirement; while a lower base of 5,000 has lower payment pressure during the working period, but the corresponding treatment after retirement will also be reduced. When choosing a social security base, individuals should comprehensively consider their own economic situation, income stability, and future treatment expectations.

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