answers: a compulsory governmental insurance system
context: security including unemployment benefit. Unemployment benefits Unemployment benefits (depending on the jurisdiction also called unemployment insurance or unemployment compensation) are payments made by back authorized bodies to unemployed people. In the United States, benefits are funded by a compulsory governmental insurance system, not taxes on individual citizens. Depending on the jurisdiction and the status of the person, those sums may be small, covering only basic needs, or may compensate the lost time proportionally to the previous earned salary. Unemployment benefits are generally given only to those registering as unemployed, and often on conditions ensuring that they seek work and do </s> (and thus contributions) are generally mandatory for both employee and employer. All workers with a regular employment contract ("abhängig Beschäftigte"), except freelancers and certain civil servants ("Beamte"), contribute to the system. Since 2006, certain previously excluded workers have been able to opt into the system on a voluntary basis. The system is financed by contributions from employees and employers. Employees pay 1.5% of their gross salary below the social security threshold and employers pay 1.5% contribution on top of the salary paid to the employee. The contribution level was reduced from 3.25% for employees and employers as part of labour </s> borrow $26.7 billion from the general fund in FY 2011 and an additional $19.4 billion in FY 2012, with neither account projected to return to a net positive balance before 2016. The general fund advances must be repaid with interest. The economic argument for unemployment insurance comes from the principle of adverse selection. One common criticism of unemployment insurance is that it induces moral hazard, the fact that unemployment insurance lowers on-the-job effort and reduces job-search effort. Adverse selection refers to the fact that “workers who have the highest probability of becoming unemployed have the highest demand for unemployment insurance.”
question: where does the money for unemployment benefits come from