Is social security useful?

We often say that social security generally includes maternity insurance, endowment insurance, medical insurance, unemployment insurance and industrial injury insurance. Some people will call social security a Ponzi scheme. Is it useful? I think it needs specific analysis.

At the national level,

Social security is a part of the legislation passed by the state, and people with labor relations must participate in the insurance. He is interested in stabilizing society. It has played a very important role. Because China claims to be a developing country of democratic socialism, it should have the concept of universal health insurance and universal pension. After all, it is different from individualism advocated by capitalist countries. Moreover, China has also paid attention to providing for the aged since ancient times, so social security is a kind of guarantee from the national level.

From a personal point of view

The current social security is based on the important aspects of people's livelihood, such as pension and medical care. It still provides a kind of welfare for most people, and the state will subsidize these insurances from the annual fiscal revenue. In the process of paying insurance, if the individual is a civil servant, an enterprise or institution, and the government or an enterprise pays part of it, the relative pressure will be less.

disadvantage?

China's social security has been implemented for many years, especially the retirees of the older generation have enjoyed the benefits brought by social security. However, there are many defects in the implementation of social security. For example, there is a huge difference between individuals who also pay endowment insurance and those who are paid by government enterprises after retirement, and the proportion of medical insurance reimbursement between rural and urban areas is also very different.

Of course, with the development of the national economy, people's lives are getting richer and richer, and the state's financial expenditure on social security is also increasing year by year. Then some shortcomings are gradually being revised and corrected, hoping that our generation will have a better old age in the future.