問 我是一名會(hui)計(ji)師，剛剛找到一份(fen)新工作，聽說公司在轉正后給(gei)交社(she)會(hui)保險(xian)(xian)，請問(wen)什(shen)么是社(she)會(hui)保險(xian)(xian)？

答 社(she)會(hui)保(bao)(bao)(bao)險(xian)(xian)(xian)是國家通過立(li)法建立(li)的(de)(de)一(yi)種社(she)會(hui)保(bao)(bao)(bao)障制度，其(qi)功能在于(yu)使勞(lao)(lao)動者(zhe)在因(yin)(yin)年老、患病(bing)、失(shi)業、生育、傷殘、死亡等(deng)原因(yin)(yin)，暫時或永久喪失(shi)勞(lao)(lao)動能力而(er)中斷勞(lao)(lao)動無(wu)法獲(huo)得勞(lao)(lao)動報酬(chou)，本(ben)人及其(qi)供養(yang)的(de)(de)家屬失(shi)去生活來源，能夠從(cong)社(she)會(hui)獲(huo)得物質幫助。社(she)會(hui)保(bao)(bao)(bao)險(xian)(xian)(xian)與(yu)商業保(bao)(bao)(bao)險(xian)(xian)(xian)的(de)(de)不同(tong)之處(chu)在于(yu)：商業保(bao)(bao)(bao)險(xian)(xian)(xian)是盈利性的(de)(de)，是否參(can)加(jia)商業保(bao)(bao)(bao)險(xian)(xian)(xian)是完全自愿的(de)(de)；而(er)社(she)會(hui)保(bao)(bao)(bao)險(xian)(xian)(xian)是強制性的(de)(de)，用(yong)人單位合勞(lao)(lao)動者(zhe)必須(xu)參(can)加(jia)。就我(wo)國目(mu)前情況來看，社(she)會(hui)保(bao)(bao)(bao)險(xian)(xian)(xian)包括養(yang)老保(bao)(bao)(bao)險(xian)(xian)(xian)、失(shi)業保(bao)(bao)(bao)險(xian)(xian)(xian)、醫療保(bao)(bao)(bao)險(xian)(xian)(xian)、工(gong)傷保(bao)(bao)(bao)險(xian)(xian)(xian)和生育保(bao)(bao)(bao)險(xian)(xian)(xian)。