湖北黄石社保基数12100和5000的区别

有家健康网 2025-04-29阅读量：9729

In Huangshi, Hubei, the difference between a social security base of 12,100 yuan and 5,000 yuan lies in the amount of insurance premiums paid, the pension benefits received after retirement, and the impact on medical insurance reimbursement. Here are the details:

1. Premium payment amount: The social security premium is calculated based on the social security base and the corresponding payment ratio. For example, for pension insurance, if the enterprise contribution ratio is 16% and the individual contribution ratio is 8%. When the base is 12,100 yuan, the enterprise pays 12,100×16% = 1,936 yuan per month, and the individual pays 12,100×8% = 968 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. Clearly, a higher base leads to higher premiums paid by both the enterprise and the individual.

2. Pension benefits after retirement: Pension calculation is related to factors such as the social security base and the number of years of payment. A higher social security base generally results in higher pension benefits. The pension consists of the basic pension and the individual account pension. The basic pension is calculated based on factors such as the average social wage of the local employees in the previous year and the average index of the individual's payment. A higher payment base means a higher average index of payment, which will increase the amount of the basic pension. The individual account pension is calculated based on the accumulated amount in the individual account. With a higher payment base, more money is deposited into the individual account each month, and the individual account pension will also be higher when retiring.

3. Impact on medical insurance reimbursement: Although the medical insurance reimbursement ratio is mainly determined by relevant policies, a higher social security base may have an impact on the maximum reimbursement limit and the amount of funds in the personal medical insurance account. A higher base may increase the amount of funds in the personal medical insurance account, which can be used for medical expenses such as seeing a doctor and buying medicine in the hospital. In some areas, the maximum reimbursement limit of medical insurance may also be related to the social security base to a certain extent.

In general, a social security base of 12,100 yuan means paying more premiums during the payment period, but it is likely to bring higher pension benefits and certain advantages in medical insurance treatment after retirement compared to a base of 5,000 yuan. When choosing a social security base, individuals and enterprises need to comprehensively consider their own economic situation and long - term planning.