Final answer:
Social insurance programs in the United States serve to provide financial security to individuals as they age, become unemployed, or face disabilities. These programs are funded through contributions from workers and employers, and they help address the challenges workers face in saving for retirement.
Step-by-step explanation:
Social insurance programs in the United States serve several reasons. They aim to provide financial security to individuals as they age, become unemployed, or face disabilities. These programs also help address the challenges workers face in saving for retirement. Social insurance programs like Social Security and Medicare are funded through contributions from workers and employers, which are then used to provide benefits to eligible individuals. The government's involvement in these programs is necessary to ensure that citizens have access to adequate support in times of need.