What is the difference between the social security payment base?

The importance of social security is self-evident. Many people in life will find that the amount of social security payment will be different, some people are more and some people are less. 1. How does the social security base affect the treatment? Social insurance itself has the function of adjusting income gap and promoting fairness. The pension benefits can't be too different, and the payment base should be set. This is mainly due to the overall consideration of the retirement benefits of the insured. According to the current calculation method of pension, the amount of pension for the insured after retirement is related to the payment base and payment period. The higher the payment base, the longer the payment period, and the more pensions you receive after retirement. The insured pays the employee pension insurance according to the proportion of payment, and part of it is included in the personal account. With the increase of the annual payment base, the funds allocated to employees' individual pension accounts will also increase. For example, 20 15, the pension insurance payment base is 46,846 yuan/year, and the personal account transfer amount is 3,747.7 yuan/year; This year's pension insurance payment is based on 54,983 yuan/year, and the personal account is 4,398.7 yuan/year. Therefore, after the lower and upper limits of payment are set, if the insured's payment salary is lower than the average salary of employees for a long time after reaching retirement age, the pension level is still low; On the other hand, if the contribution wage is higher than the average wage of employees for a long time, the absolute level of pension will be higher. Second, the difference between commercial insurance and social insurance 1, different business entities, commercial insurance operators must be commercial insurance companies. Social security insurance can be handled by the government or its established institutions, and can also be entrusted to financial institutions for escrow. 2. The behavioral basis is different. Commercial insurance is a civil act implemented in accordance with the contract; Social insurance, on the other hand, is a government act implemented according to law. 3. Different implementation methods. The conclusion of a commercial insurance contract must follow the principle of voluntary participation of both parties. Social insurance is compulsory. 4. The applicable principles are different. In commercial insurance, both parties to the insurance contract embody the equality of rights and obligations of both parties. Social insurance is based on the principle of "social equity". 5. The safeguard function is different. The guarantee goal of commercial insurance is to pay insurance money according to the damage caused by the insured's accident within the insurance amount limit. The goal of social insurance is to protect the basic living needs and basic medical expenses of social members by paying social insurance premiums, so its level of protection is relatively low. 6. The premium burden is different. The charging standard of commercial insurance is determined by different insurance companies and different types of insurance. Social insurance premiums are usually shared by individuals, enterprises and the government. Three. The scope and object of implementation of the Social Insurance Law. Scope and object of implementation of the basic old-age insurance for enterprise employees State-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and their employees within the administrative area of this Municipality, institutions and their employees that implement enterprise management, state organs, institutions, social organizations and their supernumerary employees, private non-enterprise units and their employees, urban individual industrial and commercial households and their employees, and township enterprises and their employees. 2. Scope and object of implementation of unemployment insurance State-owned enterprises, urban collective enterprises, enterprises with foreign investment, urban private enterprises and other urban enterprises and their employees, public institutions and their employees, social organizations and their full-time employees, state organs and their employees, private non-enterprise units and their employees, individual industrial and commercial households and their employees in cities and towns, and township enterprises and their employees. 3. Scope and object of implementation of basic medical insurance for urban workers All employers in cities and towns within the administrative area of this Municipality include all kinds of domestic-funded enterprises, Hong Kong, Macao and Taiwan enterprises, foreign-invested enterprises (excluding foreigners and Hong Kong, Macao and Taiwan personnel), organs, institutions, social organizations, private non-enterprise units, all employees and retirees of township enterprises. Anyone who participates in the basic medical insurance for urban workers in this city (including retired and resigned personnel) must participate in medical assistance for serious illness. 4. Scope and object of industrial injury insurance: all kinds of enterprises within the administrative area of this Municipality, institutions that do not belong to the scope of financial allocation or have no regular financial allocation, non-profit organizations, individual industrial and commercial households with employees, township enterprises, state organs, all kinds of institutions and personnel used outside the establishment of non-profit organizations. 5. Implementation scope and object of maternity insurance: all kinds of urban enterprises, self-supporting or enterprise-managed institutions, private non-enterprise units, urban individual industrial and commercial households with employees, and personnel used outside the establishment of state organs, various institutions and private non-profit organizations within the administrative area of this Municipality. To sum up, the base of social insurance payment will directly affect the level of basic pension. The less personal accounts are accumulated, the less personal account pensions will be received.