Compulsory social insurance as an element of state support of the population

Life is full of not only pleasant moments, but alsodisappointments. Yes, we can not protect ourselves from any problems, but any person can voluntarily insure themselves in case of unforeseen situations. The state, in order to improve the lives of those citizens who, due to various circumstances, can not engage in labor activity, introduced compulsory social insurance. The federal law "On the Fundamentals of Compulsory Social Insurance" came into force on July 16, 1999. Also, it is supported by several other federal laws and by-laws. Since that time, every citizen wishing to get a job must sign a contract, according to which he is obliged to pay monthly insurance premiums. In fact, this is nothing more than a social security tax.

Opinions about whether it is necessary at allcompulsory social insurance, of course, divided. Some people do not see anything useful in this, while others, perfectly aware that everything happens in life, fully agree with the necessity of its existence. Where can such state support be shown? Compulsory social insurance manifests itself in the event that one of the following insurance risks occurs:

· A working citizen needs health care for health reasons;

· During the labor process, an employee was injured or a professional disease developed;

• There has been temporary disability;

· Offensive maternity, caring for a child up to 1.5 years;

· Survivor's loss;

· The employee was officially recognized as unemployed;

· Disability;

• Death of the insured person or other family members who were often disabled, who were not supported by him, who were dependent on him.

From all this we can draw the following conclusion: if a working person is not going to pay insurance premiums, then falling into one of the situations described above, he can easily fall below the poverty line. In other words, he is deprived of state support, which could help him cope with life's troubles.

Social insurance of an employee is a guaranteeThe fact that a person will not be left alone with his problems. Each insurance risk is supported by certain cash payments, the amount of which is established after the submission of documents to the insurance company that serve as the basis for their appointment. The types of insurance payments include the following:

· Payment of all expenses for treatment of an employee in a medical institution;

· Pension for old age, invalidity, loss of breadwinner;

· Allowance for temporary incapacity for work;

· Benefit in connection with the receipt of a labor injury or occupational disease;

· Allowance for pregnancy, childbirth and childcare until he reaches the age of one and a half years;

· One-time allowance for registration at the early stages of pregnancy and at the birth of a child.

· Payment of vouchers for sanatorium-and-spa treatment;

· Benefit for burial.

The insured person is entitled to receiveinsurance payments, as well as to protect their rights in the event that they are violated. Also, the insured person is obliged to make monthly contributions, unless otherwise provided by the state, and also in a timely manner to provide all documents that the insurance company or the insurer may require. In turn, the person carrying out insurance has the right to demand from the insured person the necessary documents, if necessary, to conduct additional examinations to establish the insurance risk, to recover uncommitted contributions. If all requirements are met, the insurer is obliged either to refuse payment (if the insured risk has not been confirmed) or to assign a payment based on the type of insurance risk.

It should be noted that compulsory socialinsurance applies to those who are not officially employed. Before you make the right decision, you need to think carefully what is best: paying taxes and getting state support or greed, poverty and despair in difficult moments of life.

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