Does the social security base matter?

Legal analysis: 1, the impact on pension insurance benefits.

The pension insurance benefits consist of basic pension, individual account pension insurance, transitional pension and subsidies. The low social security payment base will affect the personal account pension insurance. As the endowment insurance premium of employee pension insurance personal account is based on the storage amount (including principal and interest) included in employee pension insurance personal account, it is calculated and paid according to1120. Personal account is calculated according to 1 1% of the employee's own salary, including: all contributions of the employee (currently 8% of the employee's contribution base); The company pays part of the basic old-age insurance (currently 3% of the employee's contribution base); Deposit interest. If the payment base is low, it will definitely affect the amount included in the personal account, and at the same time affect the social pension insurance benefits.

2, the impact on medical insurance benefits

The impact on medical insurance benefits is mainly reflected in personal accounts. According to the current policy, individual medical insurance accounts are mainly composed of basic medical insurance premiums paid by employees themselves, basic medical insurance premiums paid by employers and interest. The inclusion criteria are: employees under the age of 45 are included according to 0.8% of the monthly per capita contribution salary of the employer; Employees who have reached the age of 45 are classified according to 65438+ 0.2% of the average monthly salary of the employer; Retired workers under the age of 70 are classified according to 3.8% of the monthly average wage of employees in this city; Retired workers who have reached the age of 70 are included in the average monthly salary of local workers; Old workers who participated in revolutionary work before the founding of the People's Republic of China and enjoyed 65,438+0,000% retirement benefits (hereinafter referred to as "old workers") are included in the monthly per capita wages of local employees. When the base of social security payment is low, the amount transferred to employees' personal medical insurance accounts will be less, which will affect the treatment of employees.

Legal basis: Article 16 of the Social Insurance Law of People's Republic of China (PRC) stipulates that individuals who have participated in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have accumulated contributions for fifteen years when they reach the statutory retirement age. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.