Why does social security always have the adjustment of payment base?

The adjustment of social security base, as its name implies, is to adjust the payment base of social security.

Our social security payment base has an upper limit and a lower limit, which are adjusted every year.

First, the social security salary changes every year, so the social security payment base also changes every year.

The local social security bureau mainly determines the upper and lower limits of the individual social security contribution base according to the "average salary of employees in full-caliber urban units in the province".

The average social wage will be recalculated once a year, so the social security contribution base will naturally be adjusted accordingly. The lower limit of the social security payment base is generally 60% of the local social wage in the previous year, and the upper limit is 300% of the local social wage in the previous year.

The adjustment time of social security base is different in each region, and most regions are concentrated in June, July and August.

Second, the social security payment base will affect employees' wages.

The change of payment base will directly affect the monthly social security payment amount and wages of employees.

Employee social security contribution ratio

Taking Chengdu as an example, the amount of social security paid according to the minimum base is:

Minimum payment amount of endowment insurance: unit: 2697× 16%= yuan; Personal: 2697×8%= RMB.

Minimum payment amount of medical insurance: unit: 3236× yuan; Personal: 3236×2%= RMB.

Minimum payment amount of unemployment insurance: unit: 3236× yuan; Individual: 3236× yuan.

Minimum payment amount of maternity insurance: unit: 3236× yuan; Personal: No need to pay.

Minimum payment amount of industrial injury insurance: unit: determined according to the industry; Personal: No need to pay.

That is, the monthly social security amount is RMB yuan for the unit and RMB yuan for the individual.

The proportion of social security contributions remains unchanged (stipulated by the state). If the wages of employees remain unchanged, after the social security adjustment, the minimum social security payment base will become higher, the social security payment will increase and the wages will become lower. On the other hand, if the social security payment base becomes lower, the salary will also become higher.

Third, your social security payment base should be your own salary.

The social security payment base of employees is determined according to the average monthly salary and salary tax amount of the previous year declared by employees from June 1 day to February 1 day. For new employees who have just joined the company or have not been in the previous year for one year, they are determined according to the employee's first month's salary.

Of course, the wages of employees are between 300% and 60% of the social wages, so to declare according to the actual wage standard, most people belong to this range.

It is illegal to pay social security according to the minimum base.

According to Article 12 of People's Republic of China (PRC) Social Security Insurance Law:

The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of its employees stipulated by the state, and record it in the basic old-age insurance pooling fund.

Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.

4. Theoretically, the higher the payment base of five insurances and one gold, the better.

Why do you say that? Let me briefly talk about the benefits of the five insurance and one gold payment base.

1, the first is the impact on the pension insurance benefits.

In the unit, the proportion of paying endowment insurance is generally 24%, of which 16% is paid by the unit and credited to the overall fund; Employees pay 8%, all credited to personal accounts.

The more the payment base, the higher the individual pension insurance payment, which directly affects the payment index and the increase of the amount credited to the individual account.

The contribution index is the core index of "more pay for more work", and its level directly determines the level of pension income. It can be said that the importance of determining pensions even exceeds that of "paying more for a long time". Therefore, the payment base is high, and the future pension will definitely be high.

As one of the components of retirement pension, personal account has a high storage amount, which will directly bring about the "rising tide" of personal account pension standards. What's more, the money in personal accounts belongs to the real income of our employees at any time.

2. The influence of various payment bases on medical insurance benefits.

In the unit, the proportion of paying endowment insurance is generally 10%, of which the unit pays 8% and the individual pays 2%. The part paid by the individual enters the medical insurance card account and is directly used by the individual.

The more payment bases of "five insurances and one gold", the more medical insurance individuals will pay, so the more money will be credited to the social security card. Although it is not cash income, it can be equal to the actual income when buying medicine and seeing a doctor in a pharmacy.

3. The influence of various payment bases on housing provident fund.

In terms of units, the minimum deposit ratio of housing provident fund is generally 5%, and the maximum is 12%, and the deposit ratio of units and individuals is the same.

The more payment bases, the more personal provident fund will be paid, and the unit will double your provident fund, all of which will enter your personal provident fund account and become an integral part of your income. Moreover, more housing provident fund deposits will bring you more extra income while enjoying low interest on housing loans.

Assume that the contribution ratio of the provident fund is 10%. The payment base is 4000, and the provident fund you get is 800; The payment base is 8000, and the provident fund you get is 1600, which is twice as much.

You can also learn the following:

What is the base of social security payment?

How to treat the company's failure to pay social security and provident fund according to employees' actual wages?

Can the social security base be adjusted?

What is the relationship between industrial injury compensation and social security payment base?

The social security contribution base is higher than the actual salary, right?

I asked what is the payment standard for five insurances and one gold, and HR replied "minimum base and maximum standard". What does this mean?

The social security payment base is 34 13 yuan. Please pay according to 15 years. What is my salary after retirement?