In Huangshan, Anhui, the difference between a social security base of 11,000 yuan and 5,000 yuan is significant. The most obvious difference lies in the amount of contributions and the corresponding benefits. A higher base like 1,1000 yuan means more contributions but also potentially higher benefits in the future, while a 5,000 - yuan base results in lower contributions and relatively lower benefits.
1. Contribution amount
- Employee contribution:
- For pension insurance, if the base is 11,000 yuan, assuming the employee contribution rate is 8% (a common rate for individual pension contributions), the employee pays 11000×8% = 880 yuan per month. When the base is 5000 yuan, the employee pays 5000×8% = 400 yuan per month.
- For medical insurance, with a common individual contribution rate of around 2%, when the base is 11000 yuan, the employee pays 11000×2% = 220 yuan per month. If the base is 5000 yuan, the individual pays 5000×2% = 100 yuan per month.
- Employer contribution:
- For pension insurance, if the employer contribution rate is 16% (a typical rate), when the base is 11000 yuan, the employer pays 11000×16% = 1760 yuan per month. When the base is 5000 yuan, the employer pays 5000×16% = 800 yuan per month.
- For medical insurance, with an employer contribution rate of about 6% - 8% (varies by region), if the rate is 7%, when the base is 11000 yuan, the employer pays 11000×7% = 770 yuan per month. When the base is 5000 yuan, the employer pays 5000×7% = 350 yuan per month.
2. Pension benefits
- The pension calculation is related to the contribution base. The basic pension formula generally includes the base pension and the individual account pension.
- Base pension: The base pension is calculated based on the average salary of local employees and the individual's average contribution index. A higher contribution base like 11000 yuan will result in a higher average contribution index. For example, assume the local average salary is 7000 yuan. If the contribution base is 11000 yuan, the contribution index is 11000÷7000≈1.57. If the base is 5000 yuan, the contribution index is 5000÷7000≈0.71. A higher index means a higher base pension amount.
- Individual account pension: The individual account pension is calculated based on the amount in the individual pension account. Since more contributions are made with a 11000 - yuan base, the amount in the individual account will be larger. For example, over 30 years of contribution, if the base is 11000 yuan, the total amount in the individual account (ignoring interest) from personal contributions is 880×12×30 = 316800 yuan. If the base is 5000 yuan, it is 400×12×30 = 144000 yuan. The individual account pension is calculated by dividing the account balance by a certain coefficient (such as 139 for those retiring at 60 years old), so a larger account balance from a higher base leads to a higher individual account pension.
3. Medical insurance benefits
- Individual account: In medical insurance, part of the contribution goes into the individual medical account, which can be used for outpatient expenses, buying medicines, etc. When the contribution base is 11000 yuan, more money will be allocated to the individual medical account. For example, if 3% of the contribution goes into the individual account, when the base is 11000 yuan, 11000×3% = 330 yuan is added to the individual account per month. When the base is 5000 yuan, 5000×3% = 150 yuan is added per month.
- Reimbursement ceiling: In some cases, a higher contribution base may be associated with a higher reimbursement ceiling for medical expenses in case of major illnesses, although this is not uniformly applied in all regions. But generally, a higher - paying group may have more favorable medical insurance policies in terms of reimbursement scope and amount in some local regulations.
In conclusion, when choosing a social security contribution base in Huangshan, Anhui, between 11000 yuan and 5000 yuan, individuals and employers should comprehensively consider their economic situation, long - term benefits, and future needs. A higher contribution base means more financial pressure in the short term but greater potential benefits in the long run, especially in aspects such as pension and medical insurance.