What is the difference between several grades of social security contributions?

The payment base of social security generally includes the lowest 40%, the first 60%, the second 80%, the third 100% and the highest 300%. The specific payment grade is related to personal occupation and income.

Social security payment mainly refers to a way that we pay social insurance according to different payment standards to pay endowment insurance and medical insurance. Different payment standards enjoy different treatment guarantees, but some social security types are not graded and are basically unified payment standards.

First of all, let's look at endowment insurance. Endowment insurance is divided into two different types: urban workers' endowment insurance and urban and rural residents' endowment insurance. Taking the endowment insurance for urban workers as an example, the payment grades are divided according to the payment index. According to the provisions of the old-age insurance system for urban employees, the payment grade is determined by the payment base, with the lowest being 60% of the average monthly salary of employees in the previous year and the highest being 300% of the average monthly salary of employees in the previous year. Between 60% and 300%, everyone's salary standard is different, and the level of payment is completely different. For example, last year, the average monthly salary of on-the-job employees announced by the local social welfare department was 6,000 yuan, so the lower limit of social security payment was 3,600 yuan per month, and the upper limit of payment was18,000 yuan per month. At this time, the individual contribution level of employees should be determined according to the ratio of their salary to the average monthly salary of employees in the previous year.

It is difficult to pay the first grade, second grade and third grade of employee pension insurance. Everyone's salary standard is different, the lowest payment standard is only 60%, and the highest can reach 300%. But between 60% and 300%, there are still many payment grades, and these payment grades are not complete integers. It should be determined according to my salary standard and the ratio of the average monthly salary of employees in the previous year, and there are at least dozens of payment grades.

Residents' pension insurance is different from employees' pension insurance. Residents' old-age insurance is unified into twelve payment grades, from 100 yuan per year to 2000 yuan per year. However, with the continuous development of the economy and the huge differences in the level of economic development in different regions, the payment grades of residents' old-age insurance are basically based on the provisions of coordinating regions. Now the endowment insurance has basically achieved provincial overall planning, so the payment grade is basically implemented in accordance with the payment grade stipulated by the provincial human resources and social departments. Compared with the third file, the third file has higher payment standards, higher government subsidies and higher pension benefits.

Secondly, let's look at medical insurance. Medical insurance is also divided into basic medical insurance for urban workers and basic medical insurance for urban and rural residents. The basic medical insurance for urban employees, like the endowment insurance for employees, is based on the average monthly salary of employees in the previous year, but the difference is that the payment ratio is different. Different payment standards, more funds will return to personal accounts, which is also linked to personal treatment.

The unified national standard of medical insurance for urban and rural residents is a payment grade. According to the payment standard in 2022, each person will pay 320 yuan every year. In rural areas, many places are basically implemented in accordance with the payment standards stipulated by the state, that is, each person pays 320 yuan every year, and the state subsidizes 580 yuan every year; However, in cities and towns, in order to improve the medical insurance reimbursement treatment for urban and rural residents, two payment grades have been set, the first and second grades. Because the payment standard of the second file is higher than that of the first file, the standard of hospitalization reimbursement is different from the standard of the maximum reimbursement limit, and the second file will be higher than the first file.

Legal basis:

Article 59 of People's Republic of China (PRC) Social Insurance Law People's governments at or above the county level shall strengthen the collection of social insurance premiums. Social insurance premiums shall be uniformly collected, and the implementation steps and specific measures shall be stipulated by the State Council.

"Comprehensive plan for reducing social insurance rates" III. Adjust the social security payment base policy: adjust the calculation caliber of the average wage of employed people. All provinces should calculate the average wage of employees in full-caliber urban units by weighting the average wage of employees in non-private units in cities and towns and the average wage of employees in private units in cities and towns in this province, check the upper and lower limits of social security individual contribution base, and reasonably reduce the social security contribution base of some insured persons and enterprises. After adjusting the calculation caliber of the average wage of employed persons, all provinces should formulate transitional measures for the calculation and payment of basic pensions to ensure the smooth convergence of the treatment level of retirees. Improve the payment base policy for individual industrial and commercial households and flexible employees. Individual industrial and commercial households and flexible employees can participate in the basic old-age insurance for enterprise employees, and choose an appropriate payment base between 60% and 300% of the average salary of employees in full-caliber urban units in this province.