Two points:
1). UI is an insurance system as I define insurance, one pays voluntary or involuntarily, into a system based on some criteria and receive benefits based on certain criteria if certain events occur. Car, homeowners, health insurance are personal insurance. Medicare is the same a private health insurance except that the scope is different [[mandatory, etc. with the government playing a far larger role). If a 65 year old goes to the hospital for a hernia repair the hernia doesn't know if the health insurance is private or public [[Medicare).
UI is really a type of insurance where the employer pays the 'premium' to cover his/her workers in case certain events happen, e.g., employee laid off, terminated, business closes, etc.
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