The difference between the social security base of 15,600 and 5,000 in Huangshan, Anhui mainly lies in the following aspects:
- Payment amount: With a higher base of 15,600, both the individual and the employer need to pay more in social security contributions. For example, in pension insurance, if the individual contribution rate is 8%, with a base of 15,600, the individual pays 15,600×8% = 1,248 yuan per month; while with a base of 5,000, the individual pays 5,000×8% = 400 yuan per month.
- Pension treatment: Generally, the higher the social security payment base during the payment period, the more pension benefits one can receive after retirement. The pension calculation is related to factors such as the payment base and payment years. A higher base of 15,600 will result in a relatively higher pension amount in the future compared to a base of 5,000.
- Medical insurance reimbursement: Although the reimbursement ratio may be the same in principle, the amount of medical insurance reimbursement is also affected by the payment base. A higher payment base means more funds are accumulated in the medical insurance account, which may provide more support in case of medical treatment.
In general, choosing a higher social security base like 15,600 means more payment during the working period but also better social security treatment in the future, while a base of 5,000 has relatively lower payment pressure but also relatively lower future benefits. It is necessary to make a choice according to one's own economic situation and future expectations.