In addition to medical care, the United States has a well-developed social insurance system.
Here the insured cases are as follows: unemployment, disability, loss of breadwinner, old age (we will consider the issue of pensions separately). If health insurance is private, then here the premiums are paid to the budgets (the federal and the budget of the respective state where you live).
How the system is organized
First, let’s look at how the American social insurance system is organized in general. Every working citizen has an important document – Social Security Number (SSN), which certifies that you are eligible for Social Security. It also serves as your record card.
Your benefits will be calculated based on how long you have been working, what your income has been, etc. You should distinguish from this social security, which is not tied to insurance, it is paid by the state to the poor, orphans and others in need (for example, certain categories are provided with free school lunches, housing, etc.).
What are the peculiarities of getting one of the main documents of the USA? What can you count on when you have a Social Security Number? Answers to these and other questions are in the following video.
Types of Social Insurance:
It is paid if the deceased person was subject to insurance, worked, and with his death, the family lost their main source of income, thus needing additional financial support.
This benefit is paid to family members of the deceased (usually the spouse). If the deceased survived by dependents, the amount of the benefit increases.
Temporary disability allowance
It can be claimed by persons who worked and became disabled (invalids) due to an illness that is not work-related.General conditions: five years of work and a fixed number of premiums paid (usually paid for the employee by the employer) are required.
Against unemployment. The contribution amount is 6.2 percent of annual income, but there are numerous nuances associated with state participation in adjusting this number.
As a general rule, are paid by employers. The payment of these contributions helps guarantee the insured in the event of unemployment the payment of appropriate benefits. The latter amounts to an average of $250 to $300.
Against occupational injuries (occupational diseases). If temporary disability benefits are paid when the illness is not work-related, then the situation here is quite the opposite (payments in this case will also be an order of magnitude higher). The contributions are paid by the employer.