Working age risks: social insurance

Martin Evans and Lewis Williams

in A generation of change, a lifetime of difference?

Published by Policy Press

Published in print September 2009 | ISBN: 9781847423054
Published online March 2012 | e-ISBN: 9781447301387 | DOI:
Working age risks: social insurance

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This chapter describes the risks that have traditionally been covered by contributory social insurance: unemployment and sickness and incapacity. Levels of unemployment and coverage by benefits are first discussed. Sickness Benefit appeared to have identical rates and the same dependent adult and child additions and contributory qualifications as Unemployment Benefit. The chapter then exclusively focuses on the Meades and the Lowes and thus on the position of median and low earners respectively in 1979, 1997 and 2008, as the high-earning Moores have little probability of risks of unemployment, sickness and long-term incapacity. The analysis shows clearly a decline in contributory coverage and a rise of means testing for both the Meades and the Lowes, but one of the outcomes of this change has been to differentiate the risk of adequate income provision between the Lowes as tenants and the Meades as owner-occupiers.

Keywords: social insurance; unemployment; sickness; long-term incapacity; Meades; Lowes; contributory coverage

Chapter.  7019 words.  Illustrated.

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