問 我是(shi)一名(ming)會(hui)計師，剛剛找到一份新(xin)工(gong)作(zuo)，聽說公(gong)司在轉正后給交社(she)會(hui)保險(xian)，請問什么是(shi)社(she)會(hui)保險(xian)？

答 社(she)會(hui)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)是(shi)(shi)國家通(tong)過立法建(jian)立的一種社(she)會(hui)保(bao)(bao)(bao)(bao)障制(zhi)度，其功能(neng)在(zai)于使勞(lao)(lao)動(dong)者在(zai)因(yin)年(nian)老(lao)、患(huan)病、失業(ye)、生(sheng)育(yu)、傷(shang)殘、死亡等原因(yin)，暫時或永久喪失勞(lao)(lao)動(dong)能(neng)力而(er)中斷勞(lao)(lao)動(dong)無法獲得勞(lao)(lao)動(dong)報(bao)酬，本(ben)人(ren)及(ji)其供養的家屬(shu)失去生(sheng)活來源，能(neng)夠從社(she)會(hui)獲得物(wu)質(zhi)幫助。社(she)會(hui)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)與商業(ye)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)的不同之(zhi)處在(zai)于：商業(ye)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)是(shi)(shi)盈(ying)利性的，是(shi)(shi)否參(can)加商業(ye)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)是(shi)(shi)完全自愿(yuan)的；而(er)社(she)會(hui)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)是(shi)(shi)強制(zhi)性的，用人(ren)單位合(he)勞(lao)(lao)動(dong)者必須參(can)加。就我國目前情況(kuang)來看，社(she)會(hui)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)包括養老(lao)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、失業(ye)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、醫療保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、工傷(shang)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)和生(sheng)育(yu)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)。