What's the difference between social security base 3000 and 5000?

In general, there is a difference. The minimum social security base shall not reach 5000 yuan. Less than 5000 yuan, 3000 people pay social security according to the minimum base, and the salary payment base of 5000 yuan is higher than 3000 yuan. So, there must be a difference.

Social security is paid according to the percentage of wages, and the amount paid by different wages is also different. Pay more and get more when you retire. Pay less and get less when you retire. This figure in social security should refer to pension. Pension is the living expenses earned by China government in accordance with many regulations to ensure the life of retirees. Social security 5000 refers to the monthly pension 5000 yuan, social security 3000 refers to 3000 yuan, less than 5000 yuan. There are two differences between the social security payment base of 3000 and 5000. The lower the payment base, the lower the annual payment index. On the other hand, the lower the payment base, the lower the payment amount and the lower the personal account balance, which will lead to the lower the payment base, the lower the basic pension and personal account pension, the lower the retirement pension and the lower the personal account balance of medical insurance.

In most places, the base of social security payment for urban workers is divided into three payment grades, 300%, 100% and 60%, of which 300% is the upper limit of payment, that is, if my actual monthly work exceeds 3 times the average social wage, I can only pay at most 3 times the average social wage, which is to limit the gap of pension and also to cap it; 100% payment is suitable for most people, mainly for on-the-job personnel; 60% belongs to the lower limit of payment, mainly taking care of employees and flexible employees in some difficult enterprises. They are willing to take insurance, but it is too high and can't afford it. In other words, if the average social wage of employees is less than 60%, it will be paid according to 60%.

Social security for urban and rural residents is divided into 12 grades, with the minimum annual payment of 100 yuan and the maximum annual payment of 2,000 yuan. The main purpose is to provide everyone with a basic guarantee for the elderly.

Differences in different payment grades of social security for employees;

1, payment difference: 300%, three times of 100% and five times of 60%. To put it simply, if the monthly payment base is 5,000 yuan and the payment is 300%, the actual payment base is calculated as15,000 yuan, 100% as 5,000 yuan and 60% as 3,000 yuan.

2. Difference in treatment: The higher the payment base, the higher the personal account balance and the higher the interest income. Plus the basic pension, because the basic pension is calculated according to the average social wage plus the average payment index wage over the years, the higher the average payment base, the higher the average, the greater the proportion of the average social wage, and the more pensions you receive.

legal ground

Article 35 of the Social Insurance Law of People's Republic of China (PRC), the employing unit shall pay the work-related injury insurance premium according to the total wages of its employees and the rate determined by the social insurance agency.

Social security payment base, referred to as social security base, refers to the social insurance payment base of employees in a social security year. It is determined according to the average monthly wage income of employees from June 1 day to February 1 day in the previous year. The social insurance payment base is an important basis for calculating the social insurance premiums and social insurance benefits paid by employers and their employees. There are upper and lower limits, depending on the actual situation in each region.

(1) If the wage income of employees is higher than 300% of the local average wage of employees in the previous year, 300% of the local average wage of employees in the previous year will be used as the payment base;

(two) the wage income of employees is lower than 60% of the local average wage of employees in the previous year, with 60% of the local average wage of employees in the previous year as the payment base;

(3) If the employee's salary is between 300% and 60%, it shall be declared according to the facts. When it is impossible to determine the wage income of employees, the payment base shall be determined according to the local average wage of employees in the previous year published by the local labor administrative department. Social security will regularly check the base every year (March or July, in different places), and declare a new base according to the average monthly salary of employees in the previous year. It is necessary to prepare proof of these payroll.