What is Social Security? What are the characteristics of social insurance?

Social insurance refers to a non-profit social security system with the function of income redistribution in order to prevent and compel the participation of the majority of members of society.

Social insurance is a social and economic system that provides income or compensation to people who are incapacitated, temporarily unemployed, or have lost their jobs due to health reasons. The social insurance program is organized by **, forcing a certain group to form social insurance ** as a part of its income as a social insurance tax (fee), and under the condition of meeting certain conditions, the insured can receive a fixed income or loss compensation from **, it is a redistribution system, its goal is to ensure the reproduction of material and labor force and social stability. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, and maternity insurance.

Features. Social insurance.

Feature 1: The objective basis of social insurance is the risks existing in the field of labor, and the object of insurance is the personal life of the worker;

Feature 2: The subject of social insurance is specific. Including workers (including their relatives) and employers;

Feature 3: Social insurance is compulsory;

Feature 4: The purpose of social insurance is to maintain the reproduction of labor;

Feature 5: Insurance **** to the employer and the employee's contribution and financial support. The scope of insurance is limited to employees and does not include other members of society. The scope of insurance is limited to various risks in labor risks, excluding other property and economic risks.

Social insurance refers to a social security system established by the state and society through legislation and implemented in the form of insurance, so that members of society (mainly laborers) can receive state and social and economic compensation and assistance in the face of social risks such as old age, illness, work-related injury, unemployment, and childbirth. It has a positive effect on ensuring the living standards and health of workers, promoting economic prosperity, maintaining social stability, and creating a harmonious society.

1.Mandatory.

On the one hand, social insurance is enforced through national legislation, and employers and individual workers must participate. On the other hand, the contents of insurance items, charging standards, and benefits enjoyed are uniformly stipulated by national or local laws and regulations, and employees and employers have no right to choose and change them privately.

2.Non-profit.

Social insurance is a direct embodiment of the basic policies of the state and society, and cannot be for profit. The benefits of social insurance are determined according to the needs of basic living, and the state and society bear a part of the funds, and are managed by ** designated non-profit institutions. Although social insurance allows insurance to have certain economic benefits in operation, under no circumstances can the quality of economic benefits determine the trade-offs and protection level of social insurance projects.

The State shall bear ultimate responsibility for the operation of social insurance.

3.Sociality.

The social nature of social insurance is mainly reflected in the following three aspects:

First, the social nature of insurance coverage. Social insurance is aimed at members of society.

Second, the social nature of insurance management. Social insurance is a first-class insurance system, which is determined by the state through legislation, and is organized and implemented by the state in terms of raising, distribution, adjustment and management of insurance funds.

Third, the social nature of the purpose of insurance. The establishment and implementation of a social insurance system can not only protect workers, but also coordinate the relationship between workers, promote sustained and stable economic development, and ensure social stability.

4.Mutual aid.

Mutual aid refers to the social behavior of helping each other in social life. Social insurance is based on the principle of social risk sharing, insurance costs are generally responsible for the state, units and individuals, and social insurance is established to pay insurance premiums and provide services through unified adjustment, mutual assistance and other methods, so as to solve the living difficulties caused by birth, old age, illness, death, injury, disability and unemployment.

5.Basic security.

The fundamental purpose of social insurance is to enable members of society to obtain basic livelihood security in the face of social risks. Therefore, social insurance only compensates for the direct losses caused by the risks of birth, old age, sickness, death, injury, disability, unemployment, etc., and does not compensate for other economic losses other than direct losses.

1. The concept of social insurance: social insurance refers to the unified management and distribution of social insurance by the state or relevant social security management departments in the areas under its jurisdiction, mainly focusing on pension, medical care, maternity, unemployment, work-related injuries, etc., that is, users can be reimbursed within the above relevant scope.

2. Characteristics of social insurance: guarantee, universality, mutual assistance, compulsion, and welfare.

3. The function of social insurance: it has the functions of stabilizing social life, redistributing social resources, and promoting social and economic development.

Legal analysis: The basic characteristics of social insurance are: 1. Guarantee:

It refers to ensuring the basic livelihood of workers. 2. Universality: Social insurance covers all social workers.

3. Mutual assistance: use the joint efforts of the participants to help a person who encounters risks, help each other, and meet urgent needs. 4. Mandatory:

It is limited by national legislation and compelled for employers and employees to participate. 5. Welfare: Social insurance is a kind of behavior, not for profit.

Legal basis: Social Insurance Law of the People's Republic of China Article 2 The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to protect citizens' right to receive material assistance from the State and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, etc.

1.Social insurance has the following characteristics: (1) The objective basis of social insurance is the risks existing in the labor field, and the subject of insurance is the worker himself; (2) The subject of social insurance is specific.

including workers and employers; (3) social insurance is mandatory; (4) the purpose of social insurance is to maintain the reproduction of labor; (5) Insurance funds are used for the payment and financial support of employers and workers. Insurance coverage is limited to employees and excludes other members of society. The insurance coverage is limited to various risks in labor risks and does not include other risks such as property and economy.

2.Legal basis: Article 2 of the Social Insurance Law of the People's Republic of China.

The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance. to protect citizens' right to receive material assistance from the state and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, etc. 2.

What social insurance is there? Social insurance includes the following insurances: 1

pension insurance; 2.Unemployment insurance; 3.workers' compensation insurance; 4.

Medical Insurance: 5Maternity insurance.

Insurance is mainly through the raising of social insurance**, within a certain range of social insurance for overall planning and adjustment, in the workers encounter labor risks to give necessary help. Social insurance provides basic living security for workers, and as long as workers meet the conditions for enjoying social insurance, that is, they have established labor relations with the employer or have paid various social insurance premiums in accordance with the regulations, they can enjoy social insurance benefits. Social insurance is the core content of the social security system.

(1) Mandatory.

Compulsory: It means that social insurance is enforced through legislation, and the content and implementation of social security are carried out through law, and all members who fall within the scope of the law must unconditionally participate in social insurance.

2) Universality.

Social insurance requires socialization, in which all enterprises and members of society who meet the requirements of the law must participate.

3) Welfare.

Welfare: It means that social insurance is for the purpose of profit, and the implementation of social insurance is entirely to ensure the basic life of members of society.

4) Social equity.

Fair distribution is one of the objectives of macroeconomic policy, and social insurance, as a form of distribution, has obvious characteristics of fairness.

5) Basic safeguards.

The security standard of social insurance is to meet the basic living needs of the people who are guaranteed to be protected, because the fundamental purpose of social insurance is to ensure people's income and life stability, and to play the role of a social stabilizer.

6) Mutual aid.

Social insurance collects social premiums from units and individuals who have the obligation to pay in the whole society in the form of law to establish social security, and is uniformly used in the whole society to help the protected objects, and at the same time, various social insurance can be adjusted from the unification.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Basic characteristics of social insurance:

1) Mandatory. The State has passed legislation to make it mandatory for eligible employers and workers to participate in social insurance in accordance with the law. Workers can enjoy social insurance benefits in accordance with the law after meeting certain qualifications.

2) Mutual aid. Social insurance implements mutual assistance and mutual assistance, and in accordance with the law of large numbers, raises and adjusts funds in a unified manner within the scope of the whole society, and relies on the strength of the whole society to balance the burden and disperse the risk of wind and slippage. The greater the coverage of social insurance, the greater the resilience to risks.

3) Welfare. The business activities engaged in by the social insurance agency are non-profit. As a social undertaking implemented by the state, social insurance has only one purpose, that is, to effectively ensure the basic livelihood of the insured.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"