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Book part
Publication date: 9 April 2008

Chapter 6 Early Retirement

Kristian Bolin, Matias Eklöf, Daniel Hallberg, Sören Höjgård and Björn Lindgren

In the 1990s, individuals aged 18–64 were eligible for disability insurance, if their work capacity was reduced by at least 25 percent (50 percent before 1993). In the…

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In the 1990s, individuals aged 18–64 were eligible for disability insurance, if their work capacity was reduced by at least 25 percent (50 percent before 1993). In the beginning of the period, before 1991, disability insurance could also be granted for labor market reasons (i.e., if unemployed had been compensated long enough to exhaust their benefits – obtained benefits for 300 days). This possibility was gradually phased out after 1991. In 1995, the enforcement of the rules was tightened. When evaluating applications for disability pensions, local insurance offices now had to request a medical certificate and a work-related test of the applicant's degree of work capacity. Local offices also had to consult the applicant's employer, physician, or other qualified personnel, and even pay personal visits to the applicant. The possibilities for rehabilitating the applicant should also be investigated. From 1997, work incapacity should be evaluated in relation to all possible employment opportunities. Potential income changes resulting from changes in employment should not affect the evaluation4 (National Social Insurance Board, 2005).

Details

Simulating an Ageing Population: A Microsimulation Approach Applied to Sweden
Type: Book
DOI: https://doi.org/10.1016/S0573-8555(07)00006-5
ISBN: 978-0-444-53253-4

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Book part
Publication date: 2 September 2019

The Moralization of Labor: Establishing the Social Responsibility of Employers for Disabled Workers

Eva Nadai and Alan Canonica

As a “fictitious commodity” (Polanyi), that cannot be separated from the human being who is its owner, labor has a special moral significance. However, this moral quality…

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As a “fictitious commodity” (Polanyi), that cannot be separated from the human being who is its owner, labor has a special moral significance. However, this moral quality is not a given but must be asserted in struggles over the value of labor. With the example of disabled workers in Switzerland, this chapter examines the moralization of labor as a means to revalue a category of workers who range far down the labor queue. Moralization mediates the tension between the normative societal goal of inclusion for disabled people and the freedom of employers to select the most “productive” workers. Drawing on the theoretical approach of the Economics of Convention the chapter analyzes the valuation frames proposed by economic and welfare state actors in political debates over the establishment of the Swiss disability insurance and the role of employers regarding occupational integration. A core concept used in negotiations of the value of disabled labor in the public arena and within individual businesses is the “social responsibility” of employers. Historically, employers’ associations successfully promoted the liberal principle of voluntary responsibility to prevent state interference in the labor market. In contrast, disability insurance argues predominantly within the market and the industrial convention to “sell” its clientele in the context of employer campaigns and case-related interactions with employers. Only recently, both sides started to reframe the employment of disabled people as a win–win affair, which would reconcile economic self-interest and the common good.

Details

The Contested Moralities of Markets
Type: Book
DOI: https://doi.org/10.1108/S0733-558X20190000063013
ISBN: 978-1-78769-120-9

Keywords

  • Valuation of labor
  • disabled workers
  • disability insurance
  • moral vocabulary
  • social responsibility of employers
  • economics of convention

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Book part
Publication date: 4 November 2003

UNMET SUPPORTIVE SERVICE NEEDS OF CHILDREN WITH DISABILITIES

Elaine Maag

Access to health care, particularly for children, remains a topic of great importance to policy makers in the United States. Recent attention focuses primarily on the…

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Access to health care, particularly for children, remains a topic of great importance to policy makers in the United States. Recent attention focuses primarily on the enactment and subsequent expansions of the Children’s Health Insurance Program (CHIP) (Kenney, Ullman & Weil, 2000). Though the legislation affects all qualifying low-income children, the unique service needs of children with disabilities justify a closer look at the relationship between health insurance, income, and needs amongst children with disabilities. This analysis seeks to answer the following questions. To what extent do children with disabilities need various supportive health services? Does this need vary across type of disability or income level? Do children with health insurance, either public or private, have fewer unmet needs than children without health insurance? Answers to these questions will assist policy makers when determining who should be targeted to receive additional assistance in the future as well as evaluate the effectiveness of current mechanisms in delivering supportive health services to children with disabilities.

Details

Using Survey Data to Study Disability: Results from the National Health Survey on Disability
Type: Book
DOI: https://doi.org/10.1016/S1479-3547(03)03009-4
ISBN: 978-0-76231-007-4

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Article
Publication date: 17 August 2015

Securitization of disability risk via bonds and swaps

Alexander Hendrik Maegebier

– Two strands of the literature are combined, namely the modeling of disability insurance and the design, valuation and discussion of insurance-linked securities.

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Abstract

Purpose

Two strands of the literature are combined, namely the modeling of disability insurance and the design, valuation and discussion of insurance-linked securities.

Design/methodology/approach

This paper provides a discussion regarding the advantages and detriments of disability-linked securities in comparison with mortality-linked bonds and swaps as well as regarding potential disability-linked indices and the potential use. The discussion is followed by an introduction of a potential design and a corresponding valuation of disability bonds and swaps.

Findings

This securitization will provide useful tools for the risk management of disability risk in a risk-based regulatory framework.

Originality/value

No disability-linked securities have been defined and discussed so far.

Details

The Journal of Risk Finance, vol. 16 no. 4
Type: Research Article
DOI: https://doi.org/10.1108/JRF-11-2014-0166
ISSN: 1526-5943

Keywords

  • Alternative risk transfer
  • Disability insurance
  • Markov renewal process
  • Multi-state models
  • Securitization

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Book part
Publication date: 4 November 2003

ACCESS TO HEALTH CARE AND INSURANCE FOR WORKING-AGE ADULTS REPORTING MOBILITY DIFFICULTIES

Lisa I Iezzoni, Ellen P McCarthy, Roger B Davis and Hilary Siebens

Persons with disabilities can experience problems obtaining health care. Using the 1994–1995 National Health Interview Survey disability supplement, we examined health…

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Persons with disabilities can experience problems obtaining health care. Using the 1994–1995 National Health Interview Survey disability supplement, we examined health insurance coverage and access to health services for working-age adults with mobility problems (difficulty walking, climbing stairs, standing): 6.1% (estimated 9.48 million) of persons 18–64 years old. People reporting minor and moderate mobility difficulties had slightly lower health insurance rates than those without mobility problems (around 76% compared to almost 80%). People with mobility difficulties were more likely than others to be denied coverage and to cite pre-existing health conditions as the reason.

Details

Using Survey Data to Study Disability: Results from the National Health Survey on Disability
Type: Book
DOI: https://doi.org/10.1016/S1479-3547(03)03008-2
ISBN: 978-0-76231-007-4

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Book part
Publication date: 30 May 2018

Social Insurance and Health

Nicolas R. Ziebarth

This chapter reviews the existing empirical evidence on how social insurance affects health. Social insurance encompasses programs primarily designed to insure against…

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This chapter reviews the existing empirical evidence on how social insurance affects health. Social insurance encompasses programs primarily designed to insure against health risks, such as health insurance, sick leave insurance, accident insurance, long-term care insurance, and disability insurance as well as other programs, such as unemployment insurance, pension insurance, and country-specific social insurance programs. These insurance systems exist in almost all developed countries around the world. This chapter discusses the state-of-the art evidence on each of these social insurance systems, briefly reviews the empirical methods for identifying causal effects, and examines possible limitations to these methods. The findings reveal robust and rich evidence on first-stage behavioral responses (“moral hazard”) to changes in insurance coverage. Surprisingly, evidence on how changes in coverage impact beneficiaries’ health is scant and inconclusive. This lack of identified causal health effects is directly related to limitations on how human health is typically measured, limitations on the empirical approaches, and a paucity of administrative panel data spanning long-time horizons. Future research must be conducted to fill these gaps. Of particular importance is evidence on how these social insurance systems interact and affect human health over the life cycle.

Details

Health Econometrics
Type: Book
DOI: https://doi.org/10.1108/S0573-855520180000294003
ISBN: 978-1-78714-541-2

Keywords

  • Social insurance
  • health
  • causal effects
  • microeconometrics
  • reduced-form methods
  • structural methods

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Article
Publication date: 2 July 2018

Australia’s National Disability Insurance Scheme: a collaboration opportunity for academia and industry

Jonathan Mason, Kate Crowson, Mary Katsikitis and Michael Moodie

The purpose of this paper is to summarise the initial experiences of Australia’s National Disability Insurance Scheme (NDIS). It highlights some of the main challenges…

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Abstract

Purpose

The purpose of this paper is to summarise the initial experiences of Australia’s National Disability Insurance Scheme (NDIS). It highlights some of the main challenges being faced by participants, service providers and government, and demonstrates how research can contribute to the ongoing implementation and success of the scheme.

Design/methodology/approach

The historical basis for the need for a new approach to disability funding in Australia is explored. The opportunities that exist and the difficulties that are being encountered by those entering and working within the new scheme are discussed.

Findings

Several problems were identified including difficult transitions between existing support frameworks to new “NDIS plans”, and the risk of market failure. Both the problems and their solutions are discussed and it is hoped that collaboration between the Commonwealth Government, service users, their families, service providers and universities can lead to a number of lasting improvements.

Practical implications

The new funding framework provides exciting opportunities for increasing the funding of people with intellectual and physical disabilities in Australia. Developments in technology, service provision in rural and remote areas and the opportunity to meet aspirational life goals exist alongside a number of challenges, including the need to ensure that those with multiple and complex disabilities retain existing levels of support.

Originality/value

The implementation of the NDIS is still underway, and opportunities exist to implement changes to the scheme where required. Research findings have an important role to play in the national debate regarding how best to improve quality of life for people with a disability in Australia.

Details

Tizard Learning Disability Review, vol. 23 no. 3
Type: Research Article
DOI: https://doi.org/10.1108/TLDR-04-2017-0021
ISSN: 1359-5474

Keywords

  • Personalization
  • Support
  • Assessment
  • Intellectual disability
  • NDIS
  • Individualized

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Book part
Publication date: 3 July 2018

Adapting to Person-Centred Care: Changes in Caring Organisations in the Australian Disability Sector

Bruce Gurd, Cheryll Lim and Ellen Schuler

This chapter reports on a hybrid sector of disability provision in Australia and the changes to the sector due to the shift to person-centred care in Australia. It…

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This chapter reports on a hybrid sector of disability provision in Australia and the changes to the sector due to the shift to person-centred care in Australia. It explains the significant changes to the way the sector will respond to government and to client demands and how the organisations are responding to this by re-structuring and building new performance measurement systems including Social Return on Investment.

The first part of the chapter is descriptive of the change to person-centred care in the Australian disability sector using public reports. The second part of the chapter looks at the change at a micro level using an analysis of the literature.

Findings illustrate how the National Disability Insurance Scheme has brought about significant change between sectors of government and between providers, both government and non-government. Organisations have had to make significant changes to adapt to the government’s policy and especially funding change. This includes setting new governance and leadership models, changed human resource management practices and performance measurement systems.

The paper is a report relatively early in the transition phases, and therefore, more evidence is needed as the system change progresses. Still, the Australian disability sector provides a powerful example of significant hybridisation changes as a result of a shift to person-centred care.

This is a dramatic change from the Australian government to impose person-centred care. The adaptations of Australian organisations provide an interesting insight for the international community.

Details

Hybridity in the Governance and Delivery of Public Services
Type: Book
DOI: https://doi.org/10.1108/S2051-663020180000007003
ISBN: 978-1-78743-769-2

Keywords

  • Person-centred care
  • tiers of government
  • cash-for-care
  • performance
  • social impact
  • Social Return on Investment

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Article
Publication date: 2 July 2018

The Swiss mental healthcare system for people with intellectual disabilities

Dan Georgescu and Anne Styp von Rekowski

The purpose of this paper is to describe the mental healthcare system for people with intellectual disabilities (ID) in Switzerland. It covers the current provision of…

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Abstract

Purpose

The purpose of this paper is to describe the mental healthcare system for people with intellectual disabilities (ID) in Switzerland. It covers the current provision of mental healthcare services as well as educational and research aspects, and summarises both the historical development and the current data on demography, health economics, legislation and national policy.

Design/methodology/approach

The authors performed an extensive literature research and evaluated the (very sparse) literature, conducted some interviews with recognised experts and carried out extensive internet-based research on the topic.

Findings

There are numerous, well-funded, well-staffed and well-equipped facilities for people with ID. These facilities have highly trained special education teachers and social education workers. Legislation, the insurance system as well as the policies and strategies on a national level are basically in line with people’s with ID needs. On the other hand, there are too few specialist physicians and psychologists, not enough training centres and too few specialist psychiatric services, both inpatient and outpatient. Medical and psychological research in this field is also insufficient.

Practical implications

In Switzerland, the development of treatment facilities typically does not start with a decision by a central authority to implement a policy in a top-down process. Usually, these organisations develop on the basis of some local initiatives and spread throughout the country. The process is likely to be similar in the case of services for people with mental health and intellectual disabilities (MHID), and the situation can be expected to be much better throughout the country within a few years. Furthermore, specific training programmes are expected to be created for physicians and psychologists of various disciplines, to promote an interdisciplinary approach.

Originality/value

This review fills a gap in that there are very few published reviews on the provision of MHID services in Switzerland.

Details

Advances in Mental Health and Intellectual Disabilities, vol. 12 no. 3/4
Type: Research Article
DOI: https://doi.org/10.1108/AMHID-04-2018-0020
ISSN: 2044-1282

Keywords

  • Switzerland
  • Intellectual disabilities
  • Mental healthcare services
  • National policy
  • Medical education
  • Psychological education

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Article
Publication date: 19 June 2020

Consumer finance/household finance: the definition and scope

Jing Jian Xiao and Chunsheng Tao

The purpose of this literature review paper is to define consumer finance, describe the scope of consumer finance and discuss its future research directions.

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Abstract

Purpose

The purpose of this literature review paper is to define consumer finance, describe the scope of consumer finance and discuss its future research directions.

Design/methodology/approach

In this paper, consumer finance is used as a synonym of household finance. Consumers refer to individuals and families. After defining the term “consumer finance,” we conducted a critical review of consumer finance as an interdisciplinary research field in terms of money managing, insuring, borrowing and saving/investing. Future research directions are also discussed.

Findings

This paper discusses similarities and differences among several terms such as consumer finance, household finance, personal finance, family finance and behavioral finance. The paper also reviewed key studies on consumer financial behavior around four key financial functions, namely, money management, insurance, loan and saving/investment and several nontraditional topics such as fintech and financial capability/literacy. The paper also introduced several datasets of consumer finance commonly used in the United States and China.

Originality/value

This paper clarified several similar terms related to consumer finance and sorted out the diverse literature of consumer finance in multiple disciplines such as economics, finance and consumer science, which provide a foundation for generating more fruitful research in consumer finance in the future.

Details

China Finance Review International, vol. 11 no. 1
Type: Research Article
DOI: https://doi.org/10.1108/CFRI-04-2020-0032
ISSN: 2044-1398

Keywords

  • Behavioral finance
  • Consumer finance
  • Family finance
  • Household finance
  • Personal finance

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