사회보험

소개

금융보험입문 수업 레포트로 활용했던 과제물입니다
목차 참고하세요

목차

제1장 사회보장과 사회보험 ························································3
1. 사회보장의 의의 ·······························································3
2. 사회보장체계 ·····································································3
3. 사회보험과 사보험 ··························································4

제2장 국민연금 ················································································5
1. 국민연금의 의의 ·······························································5
2. 국민연금의 특징 ·······························································5
3. 국민연금의 운영 ·······························································5
4. 국민연금의 급여 ·······························································5

제3장 산업재해보상보험 ·······························································6
1. 산업재해보상보험의 법적원리 ····································6
2. 산재보험의 목적 ································································6
3. 산재보험의 급여 ·······························································6

제4장 건강보험················································································8
1. 건강보험의 개요 ·······························································8
2. 건강보험의 특징 ·······························································8
3. 관리운영체계 ······································································8
4. 보험급여 ················································································8

제5장 고용보험 ················································································10
1. 고용보험의 의의 ······························································10
2. 적용범위의 예외 ······························································10
3. 고용보험사업 ······································································10

본문내용

제1장 사회보장과 사회보험
1. 사회보장의 의의
가. 사회보장기본법 : “사회보장이란 질병 · 장애 · 노령 · 사망 ·등의 사회적 위험으로부터 모든 국민을 보호하며, 생활의 질을 향상시키기 위하여 제공되는 사회보험 및 공공부조, 사회복지서비스 및 관련복지제도를 말한다.”
나. 목적 : 질병이나 분만, 실업, 페질, 작업상의 상해, 노령, 사망으로 인한 소득의 상실이나 감소 등으로 경제적 곤궁에서 유래하는 근심과 불안을 제거함으로써 사회적 안정을 도모
다. 사회보장의 기능 : 국민의 최저생활 보장, 소득의 재분배, 국가경제의 안정 및 사회체제의 안정
1) 국민의 최저생활 보장 : 가장의 조기사망이나 질병, 상해, 실업, 퇴직, 예기치 못한 사고 등으로 인한 개인의 경제적인 불안을 덜어주고 최소한의 경제적 조건 제공
2) 소득의 재분배 : 수익자부담의 원칙이 적용되지 않음으로 고소득층의 소득을 저소득층으로, 세대 간의 소득 재분배가 이루어지며 건강한 사람이 건강하지 못한 사람을 보조하는 기능을 가짐.
3) 경제사회의 안정 : 자동안전장치 기능(built-in stabilizer)
*자동안전장치 : 경기의 흐름이 악화될 때는 실업과 빈곤이 증가하고 사회적 구매력이 감소하여 소비가 줄어듦. 따라서 고용보험과 공적부조를 증가시켜 국민 소비수요를 촉진시켜 경기회복을 촉진하며 반대로 경기가 과열된 경우에는 고용보험과 공적부조를 감소시켜 소비수요를 억제하여 경기변동을 어느 정도 조절하는 기능

참고자료

· 금융보험입문