我国的社会保险是依据《宪法》规定,在职工和家属年老、患病、生育、伤残、失业、死亡的情况下,从国家和社会获得物质帮助,是职工和家属最基本的生存条件。目前,我国生产力还比较落后,职工的社会保险待遇标准同经济发达的国家相比,差距较大,而国家又不可能拿出很多钱来提高社会保险待遇。因此,国家鼓励建立多渠道、多层次的社会保险,其中包括根据本 The social insurance in our country is based on the Constitution and provides material assistance from the state and society under the conditions of the elderly, sickness, maternity, disability, unemployment and death, and is the most basic living condition for workers and their families . At present, the productivity of our country is still relatively backward. The standard of social insurance for workers and staff is far from that of the economically developed countries. However, the state can not raise a lot of money to raise the social insurance benefits. Therefore, the state encourages the establishment of multi-channel and multi-level social insurance, including according to this