Why should the state implement social insurance?

According to the provisions of China's labor law, employers and workers must participate in social insurance and pay social insurance premiums according to law. It can be seen that social insurance is compulsory, and participating in social insurance is not only the right of employers and workers, but also the obligation that must be fulfilled. Therefore, no matter what way and excuse the employer takes, no matter how the employer and the employee agree, as long as they fail to participate in social insurance and pay social insurance premiums for the employees according to law, it is illegal and the above agreement is invalid. Therefore, once the above employees claim social insurance premiums from the enterprise again, the enterprise will still assume the obligation to pay social insurance premiums for these employees.

Social insurance is compulsory. The so-called coercion means that the state enforces it through legislation, and both individual workers and their units must participate in it in accordance with the provisions of the law. The payment standard, treatment items and payment standard of social insurance shall be uniformly stipulated by the laws and regulations of the state or local government. As the insured, individual workers have no right to choose and change whether to participate in social insurance, the items they participate in and the standard of treatment. Mandatory is the organizational guarantee for implementing social insurance. Only in this way can we ensure the reliable source of social insurance funds. Commercial insurance is voluntary, and whoever takes out the insurance shall take out the insurance; The principle of no insurance. The design of insurance, the payment of premium, the length of insurance period, the size of insurance liability and the relationship between rights and obligations are all implemented in accordance with the provisions of the insurance contract. Once the contract is terminated, the insurance liability will be automatically eliminated.

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