Describe the four social utilities of insurance.
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Social Security and Medicare benefits focus on retired and disabled individuals. Social welfare and unemployment programs benefit the impoverished and displaced persons in society. These primary social insurance programs provide recipients with money, pension management and health care assistance.
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In the United States, programs that meet these definitions include Social Security, Medicare, the Pension Benefit Guaranty Corporation program, the Railroad Retirement Board program and state-sponsored unemployment insurance programs. The Canada Pension Plan (CPP) is also a social insurance program.
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