江苏泰州社保基数21000和5000的区别

有家健康网 2025-04-26阅读量：9967

In Taizhou, Jiangsu, the main differences between the social security base of 21,000 yuan and 5,000 yuan are as follows:

1. Payment amount:

• Unit and individual contributions: Social security contributions include multiple insurances such as endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, and maternity insurance. Taking endowment insurance as an example, if the unit contribution rate is 16% and the individual contribution rate is 8%, when the base is 21,000 yuan, the unit pays 21,000×16% = 3360 yuan per month, and the individual pays 21,000×8% = 1680 yuan per month; when the base is 5,000 yuan, the unit pays 5000×16% = 800 yuan per month, and the individual pays 5000×8% = 400 yuan per month. The same calculation method applies to other insurances, and the total payment amount for each insurance type will be significantly different due to the difference in the base.

2. Pension treatment:

• Account storage amount: The individual payment part of endowment insurance is mainly deposited into the personal account. A higher base means more funds are deposited into the personal account. For example, with a base of 21,000 yuan, the monthly deposit into the personal account for endowment insurance is 1680 yuan; with a base of 5,000 yuan, it is 400 yuan. Over time, the storage amount in the personal account will vary greatly, which has a direct impact on the personal account pension part in the future pension treatment.

• Calculation of basic pension: The calculation of the basic pension is also related to the average salary of employees in the province and the contribution base. A higher contribution base is conducive to obtaining a higher basic pension. Generally speaking, if other conditions remain unchanged, the pension of employees with a contribution base of 21,000 yuan will be much higher than that of employees with a contribution base of 5,000 yuan after retirement.

3. Medical insurance personal account:

• Allocation amount: The allocation of the medical insurance personal account is related to the contribution base. For example, for employees under 45 years old, if the allocation ratio is 0.8% of the employer's monthly per capita contribution wage, when the base is 21,000 yuan, the monthly allocation amount is 21,000×0.8% = 168 yuan; when the base is 5,000 yuan, the monthly allocation amount is 5000×0.8% = 40 yuan. The amount in the medical insurance personal account can be used to pay for outpatient medical expenses, purchase drugs, etc., and a higher base means more funds available for personal use in medical treatment.

In general, a higher social security base in Taizhou, Jiangsu, such as 21,000 yuan, means higher contributions during the working period, but also corresponds to better social security treatment, especially in terms of pension and medical insurance personal account treatment, compared with a lower base of 5,000 yuan.

以上内容从缴费金额、养老金待遇、医保个人账户等方面，清晰阐述了泰州社保基数 21000 和 5000 的区别，不知是否符合你的预期？若你还想补充其他要点，或者对内容进行润色，欢迎随时告诉我。