Programs in which individuals contribute to an insurance trust fund by way of a payroll tax on their earnings and receive benefits based on these contributions are called

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Social insurance programs, such as Social Security and Medicare, are funded by payroll taxes and provide benefits based on an individual's contributions. Mutual fund programs, IRA programs, and 401(k) programs are not related to insurance and are instead investment or retirement savings programs. Means-tested programs, such as Medicaid or Temporary Assistance for Needy Families, are based on an individual's income or resources and do not involve payroll taxes.

Programs in Which Individuals Contribute to an Insurance Trust Fund