a result of Russian reforms taking place in the 1990s, compulsory state insurance subordinate to a single system with the financial means to consolidate the state budget, replaced by state budget funds: FSS;FIU;Territorial and Federal Fund of CHI.
reform contributed to the creation of certain levers of social protection and a more specific division of funding sources.Obligatory state insurance serves as a mechanism for civil interests relating to their health and life insurance and civil liability
compulsory state insurance due to the specific needs of society.As an element of industrial relations, insurance activity creates the necessary conditions for the implementation of preventive measures aimed at the localization of negative consequences.In the event of damage caused by the specific circumstances, insurance allows you to compensate for the loss in material terms, because of it possible to carry out restoration work, compensation for harm caused in the social sphere, as well as individual citizens.
Thus, the compulsory state insurance is a means of protecting the well-being of people and businesses, as well as income-generating activities.Insurance reduces the burden on the budget expenditures, allows to solve social issues to ensure, asIt is a key element of the social state system.Thanks to him, the country's economy as a whole to attract more investment resources.
compulsory social insurance (OSS) is part of the state aimed at social protection that applies to working people, protecting them from possible changes in the social and material situation of the different circumstances, sometimes independent of the citizens themselves.
CCA aims to minimize or compensate for the effects of the circumstances that have made changes in the position of not only working people, but also other categories of them, in the cases provided by law.For example, in the case of the following social insurance risks: industrial injury, disability, occupational disease, injury, illness, loss of a breadwinner, maternity, old age, etc.
In accordance with the above, we denote the subjects of compulsory social insurance.These include employers, acting as insurers, insurance companies - insurers and the citizens themselves, who are insured persons.Moreover, all subjects of mandatory social insurance have their own obligations under the agreements concluded OSS.At the same time, each of them having the relationship of the OSS:
- since the conclusion of an employment contract with an employee of the employer y;
- from the registration of the UK insurer y;
- since the signing of the employment contract with the employer - at the insured;
Currently, mandatory pension insurance in the Russian Federation - the main source of shaping future retirement.
employer is obliged to pay insurance premiums in the amount of 34% of the payroll of each of its employees.At the same time 26% of the funds directed to the mandatory pension insurance in the Russian Federation, and entered the RF Pension Fund, they are divided into two parts of the retirement pension forming funded part of pension and insurance.It is worth noting that every citizen can directly affect the funded part of pensions formed.for example, to participate in co-financing, work at enterprises with a completely "white" wages, redirect to invest in NPF.
