Social insurance systems are government programs designed to provide financial support to individuals during times of need, such as unemployment, disability, or retirement. These systems are typically funded through payroll taxes, where both employees and employers contribute to a collective fund. The goal is to ensure that citizens have a safety net to rely on when facing economic hardships. Common examples of social insurance systems include Social Security in the United States and National Insurance in the United Kingdom. These programs help to reduce poverty and provide a sense of security, allowing individuals to maintain a basic standard of living during difficult times.