Social policy of the state and the role of state programs in solving the problems of social protection of the population

Introduction. In a market economy, the process of state development is often accompanied by a drop in the standard of living of the population, a deterioration in the demographic situation in the country, a reduction in the average life expectancy of people, which makes it necessary to improve the effectiveness of the social protection system of citizens. When developing a social policy, the question of social priorities arises as one of the most important, that is, such social tasks that are currently the most urgent and urgent for society, require priority solutions, such as social protection of the working and non-working population, pension provision, social support for low-income segments of the population and the unemployed, etc. Materials and methods. During the preparation of the article the authors used conference materials, as well as in the review of sources – modern foreign periodicals. Results. The world practice of social insurance shows that the greatest social effect is achieved with the three-channel formation of insurance funds at the expense of contributions of employees, employers and the state. This method of financing ensures joint responsibility of the participants for the prevention and compensation of risks, joint management and control of the funds. In case of compulsory social insurance, the distribution is considered the most reasonable, when the biggest part of financing falls on the employer – 50%, 20-40% – on the state and 10-30% – on the employee. Conclusion. Based on the analysis of international experience, we can conclude that the most effective and comprehensive social protection systems usually include the following main elements: state benefits, compulsory social insurance, funded pensions, social assistance. Since the success of fundamental and profound social reforms depends on the public recognition of their justice, the social policy pursued by the state should be based on modern and adequate social indicators and criteria that are adequate to the new economic principles. The latter determine the threshold values of indicators of social activity and social security. Crossing these borders is unacceptable, as it is fraught with negative social consequences that make further progress in the economic reform of society impossible.