Social welfare, child protection and family protection Health care, health insurance

Sakareli, Sofia, Department of Social Protection and Insurance

Tatsi, Eleni, Department of Social Protection and Insurance

Vendi, Stavroula, Department of Social Protection and Insurance

Such possibilities include livelihood insurance, home equity insurance, income linked loans, and GDP linked and home price linked securities.

Katsivardakou, Theodora, Head, Department of Social Protection and Insurance

In other words, this insurance policy would protect against lifetime income risks.

INSURANCE PROTECTION OF WOMEN FARMERS Concerning the insurance protection of women farmers by the Agricultural Insurance Organization, the following legislative regulations have been passed, aiming at the elimination of problems created by optional insurance of one of the spouses working in the family's agricultural enterprise in the Main Insurance Branch.

However, an individual with low income may not be able to afford insurance.

Sarri, Stamatina Amalia, Head, Directorate of Employment, Social Protection and Insurance

Individuals who do not receive insurance from their employers are required to purchase insurance on their own, with low income buyers receiving a government subsidy.

The majority of the world's 150 million unemployed have no unemployment insurance or social protection.

Taxes on high premium insurance policies would lead many employees and employers to shift their sources of tax free income from these health insurance benefits to other forms of untaxed compensation.

Household income must rise, and, with more ample provision of social security, insurance, and services, precautionary savings should fall.

Israel has an advanced social insurance system, protecting against major contingencies of income loss prevalent in a modern society.

Regulations in the field of child protection govern maternity leave, and are implemented through health insurance.

With livelihood insurance, a private insurer would pay a stream of income to a policyholder if an index of average income in the insured person s occupation and region declines substantially.

Activities include insurance and annuities, life insurance, retirement insurance, health insurance, and property casualty insurance.

This fall in income has been magnified by rising household savings rates, driven by insufficient insurance for health care and old age, the high cost of education, growing income inequality, and demographic trends.

11 Poverty and Inequality in Income Division, National Insurance Institute, November 2004, available only In Hebrew at http www.btl.gov.il pdf oni2003.pdf

The right of every person in Bosnia and Herzegovina to social security and social insurance is provided for through social protection, health care, and pension and disability protection.

Many low income women with no health insurance, including those working in the informal sector, cannot afford privatized and costly health systems.30

The Law on health care insurance regulates the personal participation in the costs of health care protection of insured parties.

Income distributions are influenced by taxation and fiscal policy, which usually have redistributive effects, directly and through the provision of social services and insurance.

In 2004, the Medical Insurance Plan received total income of 3,754,260 from staff premiums and proportional contributions from UNHCR and 258,710 in interest earned.

The total annual personal taxable income must not exceed the amount of annual pension paid to uninsured old people by O.G.A. (Agricultural Insurance Organization).

However, the Government was contemplating the adoption of other forms of protection, such as the provision of health insurance for all.

But it might also provide an opportunity for a better plan eliminate the current enormously expensive tax subsidy for employer financed insurance and use the revenue savings to subsidize everyone to buy comprehensive private insurance policies with income related copayments.

Cash benefits and income thresholds for the Alberta Seniors Benefit program have increased, and health insurance premiums for seniors have been eliminated effective October 2004.

It has adopted the Labour Code and the laws on pension support for citizens, on income indexing, on State social insurance, on labour protection, on employment and on State guarantees of equal rights for men and women and equal opportunities in the exercise of such rights, and many others.

Health care protection and health care insurance of Republika Srpska are organized by two basic laws, the Law on health care protection ( Official Gazette of RS, no. 18 99 and 58 01) and the Law on health care insurance( Official Gazette of RS, no. 18 99 and 51 01 and 70 01).

Concerning maternity protection, women insured in the main insurance branch who give birth to a second child or any child after the second child are exempted, for a certain period of time, from the obligation to pay insurance contributions.

Acting now can be thought of as buying what financiers call tail insurance some protection against the most adverse among all the possible outcomes.

But this would not apply to livelihood insurance, because its benefits are tied to the rise and fall of income indices, which are beyond the control of individuals.

Passive programs, such as unemployment insurance, income support and changes in labor legislation, allieviate the financial needs of the unemployed but are not designed to improve their employability.

The Individualized Integration, Training and Employment Plan is available to everyone looking for work, whether or not they receive employment assistance, employment insurance or other public income support.

Source FBH Health Insurance Bureau, RS Health Insurance Fund.

There is an attempt to extend the protection under the Social Insurance Act to also cover home workers and other workers in the informal sector.

Indeed, there is no market for other kinds of recession related insurance provided by the government, such as unemployment insurance, old age insurance, or disability insurance.

Insurance

Adequate private insurance can be boosted in the future through public education, improved insurance institutions, and lower insurance costs.

Among those who used the Individualized Plan, 38 percent were receiving employment assistance benefits, 43 percent were receiving employment insurance benefits, while 19 percent were receiving no public income support.

The rate of contributions for health insurance is calculated on net incomes (the employed, 15 per cent, pensions 3.75 per cent and cadastral income of farmers at 15 per cent).

In addition to the State Pension Insurance Act, the Funded Pensions Act has been in force since 2004, with the purpose of creating the opportunity for persons who have made contributions to a funded pension to receive additional income besides the state pension insurance after reaching retirement age.

The number of people covered by basic old age insurance, unemployment insurance, workers compensation, and maternity insurance has risen substantially.