这种 “附加工人效应” 可以加强失业保险或残疾保险提供的安全保障，帮助家庭渡过难关。
This "added-worker effect" could support the safety net offered by unemployment insurance or disability insurance to help families weather bad times.
人寿保险的主要目的是在你死后保障你的家庭财务状况。
The main purpose of life insurance is to protect your family's finances when you die.
这种"附加工人效应"可以支持失业保险或残疾保险所提供的保障制度，以帮助家庭渡过困难时期。
This"added-worker effect" could support the safety net offered by unemployment insurance or disability insurance to help families weather bad times.
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