Information on the history of health care in the U.S., the different health care systems of the world, and why we need the public option in health care reform.
Information on the history of health care in the U.S., the different health care systems of the world, and why we need the public option in health care reform.
This chapter locates the voluntary sector with respect to the other institutions involved in social welfare in the United States. The heart of the voluntary sector is made up of private, non-profit organizations, which are ubiquitous at the local level.
A one-page policy paper which details the potential economic fallout for the state of California from an aging population and the current lack of emphasis on in-home care with suggestions for changes that ensure autonomy and dignity for our aging populations, both middle class and low-income.
This second practice theory course builds on SWK 501, Generalist Practice with
Individuals, Families and Small Groups, extending the concepts of strengths based
practice to work with organizations and communities. The relationships between
communities and organizations and at risk populations are infused throughout the
course. Knowledge, values and skills will be obtained throughout the course. These
will be gained through readings, oral and written assignments, and videos
This newsletter article summarizes the impacts of proposed changes to federal housing subsidies imposed by the Trump administration. This is one of many weekly policy updates I published for the Alliance for Strong Families and Communities.
An examination of legal guardianships in Missouri, the existential need for broad extensive research on guardianships,
the development of the Commission on Disabilities & Guardianships under the auspices of the Office of State Courts Administrator, the ongoing systemic efforts to erode and eliminate guardianships by the Missouri Interdisciplinary Network Guardianship Stakeholders (MO WINGS) government and quasi-government group, and the number of incidents of
abuse, neglect, and deaths occurring among people with severe disabilities.
Definitions of Social Welfare PolicyThe English social scientisLinaCovington707
"Definitions of Social Welfare Policy
The English social scientist Richard Titmuss defined social services as “a series of collective interventions that contribute to the general welfare by assigning claims from one set of people who are said to produce or earn the national income to another set of people who may merit compassion and charity.”8 Welfare policy, whether it is the product of governmental, voluntary, or corporate institutions, is concerned with allocating goods, services, and opportunities to enhance social functioning.
William Epstein defined social policy as “social action sanctioned by society.”9 Social policy can also be defined as the formal and consistent ordering of human affairs. Social welfare policy, a subset of social policy, regulates the provision of benefits to people to meet basic life needs, such as employment, income, food, housing, health care, and relationships.
Social welfare policy is influenced by the context in which benefits are provided. For example, social welfare is often associated with legislatively mandated programs of the governmental sector, such as Temporary Assistance for Needy Families (TANF). In the TANF program, social welfare policy consists of the rules by which the federal and state governments apportion cash benefits to an economically disadvantaged population. TANF benefits are derived from general revenue taxes (often paid by citizens who are better-off). But this is a simplification of benefits provided to those deemed needy. Benefits provided through governmental social welfare policy include cash, along with noncash or in-kind benefits, including personal social services.10 Cash benefits can be further divided into social insurance and public assistance grants (discussed in depth in Chapters 10 and 11).
In-kind benefits (provided as proxies for cash) include benefits such as food stamps; Medicaid; housing vouchers; Women, Infants, and Children (WIC) coupons; and low-income energy assistance. Personal social services are designed to enhance relationships between people as well as institutions, such as individual, family, and mental health treatment; child welfare services; rehabilitation counseling; and so forth. Although complicated, this classification reflects a common theme—the redistribution of resources from the better-off to the more disadvantaged. This redistributive aspect of social welfare policy is generally accepted by those who view social welfare as a legitimate function of the state. Governmental social welfare policy is often referred to as “public” policy because it is the result of decisions reached through a legislative process intended to represent the entire population.
But social welfare is also provided by nongovernmental entities, in which case social welfare policy is a manifestation of “private” policy. For example, a nonprofit agency with a high demand for its services and limited resources may establish a waiting list as agency policy. As other agencies adop ...
This chapter locates the voluntary sector with respect to the other institutions involved in social welfare in the United States. The heart of the voluntary sector is made up of private, non-profit organizations, which are ubiquitous at the local level.
A one-page policy paper which details the potential economic fallout for the state of California from an aging population and the current lack of emphasis on in-home care with suggestions for changes that ensure autonomy and dignity for our aging populations, both middle class and low-income.
This second practice theory course builds on SWK 501, Generalist Practice with
Individuals, Families and Small Groups, extending the concepts of strengths based
practice to work with organizations and communities. The relationships between
communities and organizations and at risk populations are infused throughout the
course. Knowledge, values and skills will be obtained throughout the course. These
will be gained through readings, oral and written assignments, and videos
This newsletter article summarizes the impacts of proposed changes to federal housing subsidies imposed by the Trump administration. This is one of many weekly policy updates I published for the Alliance for Strong Families and Communities.
An examination of legal guardianships in Missouri, the existential need for broad extensive research on guardianships,
the development of the Commission on Disabilities & Guardianships under the auspices of the Office of State Courts Administrator, the ongoing systemic efforts to erode and eliminate guardianships by the Missouri Interdisciplinary Network Guardianship Stakeholders (MO WINGS) government and quasi-government group, and the number of incidents of
abuse, neglect, and deaths occurring among people with severe disabilities.
Definitions of Social Welfare PolicyThe English social scientisLinaCovington707
"Definitions of Social Welfare Policy
The English social scientist Richard Titmuss defined social services as “a series of collective interventions that contribute to the general welfare by assigning claims from one set of people who are said to produce or earn the national income to another set of people who may merit compassion and charity.”8 Welfare policy, whether it is the product of governmental, voluntary, or corporate institutions, is concerned with allocating goods, services, and opportunities to enhance social functioning.
William Epstein defined social policy as “social action sanctioned by society.”9 Social policy can also be defined as the formal and consistent ordering of human affairs. Social welfare policy, a subset of social policy, regulates the provision of benefits to people to meet basic life needs, such as employment, income, food, housing, health care, and relationships.
Social welfare policy is influenced by the context in which benefits are provided. For example, social welfare is often associated with legislatively mandated programs of the governmental sector, such as Temporary Assistance for Needy Families (TANF). In the TANF program, social welfare policy consists of the rules by which the federal and state governments apportion cash benefits to an economically disadvantaged population. TANF benefits are derived from general revenue taxes (often paid by citizens who are better-off). But this is a simplification of benefits provided to those deemed needy. Benefits provided through governmental social welfare policy include cash, along with noncash or in-kind benefits, including personal social services.10 Cash benefits can be further divided into social insurance and public assistance grants (discussed in depth in Chapters 10 and 11).
In-kind benefits (provided as proxies for cash) include benefits such as food stamps; Medicaid; housing vouchers; Women, Infants, and Children (WIC) coupons; and low-income energy assistance. Personal social services are designed to enhance relationships between people as well as institutions, such as individual, family, and mental health treatment; child welfare services; rehabilitation counseling; and so forth. Although complicated, this classification reflects a common theme—the redistribution of resources from the better-off to the more disadvantaged. This redistributive aspect of social welfare policy is generally accepted by those who view social welfare as a legitimate function of the state. Governmental social welfare policy is often referred to as “public” policy because it is the result of decisions reached through a legislative process intended to represent the entire population.
But social welfare is also provided by nongovernmental entities, in which case social welfare policy is a manifestation of “private” policy. For example, a nonprofit agency with a high demand for its services and limited resources may establish a waiting list as agency policy. As other agencies adop ...
LECTUREUnit ObjectivesAfter completing this unit, you should b.docxgauthierleppington
LECTURE
Unit Objectives
After completing this unit, you should be able to
define
moral hazard
,
adverse selection
, and
cost-shifting
identify the major public programs for the financing of health care
compare and contrast Medicare and Medicaid
list and describe the four sub-programs of Medicare
describe different reimbursement approaches for health services
Unit Lecture
When asked how health care services are paid for, many of us think immediately of health insurance. However, we typically don't think about the dynamics behind health insurance or the various types of programs through which it is delivered. At its most basic level,
health insurance
is a tool for mitigating risk. An individual purchases health insurance to mitigate the risk of having to pay an enormous medical bill in the event of sickness or injury.
Those who provide health insurance—insurance companies—also work to mitigate risk, albeit from the other side. They attempt to create a risk pool containing a large number of healthy people to offset the expenses accrued by those who do get sick or injured.
Premiums
, the fees paid for ownership of health insurance, are used to subsidize the cost of the health care provided to those who use the insurance.
Factors that insurance companies need to be mindful of include
moral hazard
, whereby an insured individual is more prone to seek care than if he or she were paying the medical bill him- or herself; and
adverse selection
, whereby insurance is mainly purchased by those most in need of it. As with any financial enterprise, if the costs of providing the product or service exceed the revenue, the company goes out of business.
There are several types of insurance programs, both public and private. Together, these programs cover not only individual health services, but public health services, research, and the administration of the delivery and financing of health care in the United States. The majority of public and private expenditures—approximately 81 percent—are directed toward hospital care, provider and clinical services, long-term care, and prescription drug provision (Kovner & Knickman, 2011).
As mentioned in the week 4 lecture, health insurance is a relatively new mechanism for financing health services, and it has grown substantially since the mid-1900s, when only 9 percent of the US population had health insurance (Blumberg & Davidson, 2009). Health insurance can be broken down into private and public insurance.
Private health insurance
is primarily employment-based, meaning that individuals receive coverage through commercial health insurance plans for which their employers either pay the premiums or subsidize them, with the employee paying the balance.
Some larger employers choose to self-insure, which means that they administer their own plans and accept the financial risk of doing so. In essence, they act as the insurer of their employees.
Some individuals, either through necessity or choice, opt to purchase t.
17
First Last
Guide:
Class:
Date:
SOCIAL PROTECTION
SOCIAL PROTECTION: WHAT IS IT?
Social protection measures have a long history in Europe where the European Social Model is extolled as one that supports “social solidarity” and enables the population as a whole to contribute through taxes to help those in need. Social protection measures have become increasingly popular in Asia, Latin America, and Africa with large scale programs which impacted the futures of millions in India, China, South Africa, Brazil, Russia, Tanzania, Zambia, Mexico, Chile, etc.
In the wake of the Asian Financial Crisis and the global financial crisis, social protection policies provided a means to enable populations “in need” to survive and be prepared to contribute to the society once the economy recovers. It has become particularly important to facilitate peoples’ and states’ recovery from environmental, financial, and other types of crisis. Depending on the risk to be mitigated, social protection can take different forms and approaches which have led to a variety of programs and policies across the globe.
Research on Social protection has increased dramatically with the increase in economic shocks and other types of crisis as well as increase in policies implemented in developing and emerging countries. Such research has provided a wealth of information on the objectives, implementation, approaches and impact of social protection measures. This literature review will first provide an overview of the approaches comprising social protection; and consider some of the challenges inherent to defining this evolving concept. The second part of this review will take a closer look at some of the social protection policies and programs implemented around the globe, especially in BRIC. The final part of this review will consider the quandaries in social protection and research considerations for the future. Social protection is the broadest?, signifying the full range of protective transfers, services, and institutional safeguards supposed to protect the population ‘at risk’ of being ‘in need’.
The graph above provides an overview of various social protection schemes used across the globe. They are often a combination of social services, labor policy and social insurance; and safety nets.
In many countries social protection pie is financed by social contributions of employers, protected persons and general government contribution. The social assistance comes within the social protection in many countries by solidarity basis, selectivity and targeting basis, institutional delusion level and re-integration efforts. The social insurance program was implemented for a unified and integrated social protection process. The institutional participation of social agents favors the transparency and rationalization of the social protection model. Different modifications were made in the past decades for the protection of the social protection pie. The information is coordinate.
Retrieved from httpwww.socialwelfarehistory.comrecollections.docxronak56
Retrieved from: http://www.socialwelfarehistory.com/recollections/current-issues-and-programs-in-social-welfare/ 1
Bottom of Form
Current Issues and Programs in Social Welfare
by Dr. Jerry Marx, Social Work Department, University of New Hampshire
Social Insurance Programs
Social Security
American social welfare, thanks to Franklin Delano Roosevelt and the Social Security Act of 1935, is furthered currently by two major categories of cash support programs: social insurances? and public assistance?.1 Social insurances are based on the prior earnings and payroll contributions of an individual, while public assistance, commonly known as “welfare,” is based on the financial need of an individual. The primary social insurance programs today in America are Old Age, Survivors, and Disability Insurance, Unemployment Insurance, and Workers Compensation.
Let’s begin with ((Old Age, Survivors, and Disability Insurance)), commonly referred to as “social security.” Social security, like other social insurances, is an example of a “universal” program, because American citizens are entitled to participate in the program as a social right.2 In other words, program participation in not based on financial need. Social security constituted one-fifth of all federal government spending in 1995.3 In that year, a total of $332.6 billion was spent on the program. Funding for social security actually comes from a payroll tax, which is shared in an equal proportion by the employer and employee. A practice begun during the Nixon Administration, social security benefits are adjusted when the cost of living increases.4
To receive benefits, a person must contribute payroll taxes during their working years.5 Those individuals contributing payroll taxes for a minimum of 10 years (i.e., 40 quarters in social security eligibility terms) are covered permanently under the program. Individual benefit levels are determined by the level of covered earnings (i.e., how much money paid in) and the age of retirement.
The “disability insurance” part of social security assists adults between the ages of 18 and 64 who are unable to engage in substantial employment.6 When the individual turns 65 years of age, “disability benefits” automatically become “old-age” benefits. To receive disability benefits, an individual must show medical proof of a disability and proof that the disability prevents “gainful employment.” “Survivors insurance” covers children under 18 years of age, dependent parents, and dependent widowers or widows. These categories of recipients receive benefits when an insured worker dies.
A fundamental point to remember is that social security is a very effective anti-poverty program! Most recipients are raised above the poverty line by social security. In 1992, only 14% of people aged 65 or older lived in poverty in the United States – thanks in large part to social security benefits!7
Unemployment Insurance
Unemployment insurance is a second major social insurance progra ...
cost and end-of-life care • summer 2011 121The Ethical .docxbobbywlane695641
cost and end-of-life care • summer 2011 121
The Ethical
Implications of
Health Spending:
Death and
Other Expensive
Conditions
Dan Crippen and
Amber E. Barnato
Overview
In this essay I ask the reader to consider the “end of
life” as a life stage, rather than as a health state. At
one end of the life course is childhood and at the other
end is elderhood. The basic inter-generational social
compact in most societies is that working adults take
care of their children and their parents, and count on
their children to do the same for them. In developed
countries, these obligations are met in part through
government programs, with taxpayers funding signifi-
cant portions of education, health care, and income
support.
The financing of these public programs, in addition
to other public services, involves ethically charged
trade-offs. In the United States, public outlays on
behalf of children and the elderly span roughly the
same number of years, but with very different levels
of spending. Cross-sectionally, transfers from work-
ers (via taxes) go more to the elderly in the form of
Medicare and Social Security income than to children
in the form of public education and means-tested
health insurance (e.g., Medicaid, SCHIP). Longitu-
dinally, delayed “transfers” to these same children are
manifest as better or worse economic conditions once
the children become workers. If current workers, in
addition to providing for the young and old through
taxpayer-funded social programs, manage to save as
well by reducing their own consumption of goods and
services, then future generations are likely to be better
off since these current savings are invested in capital
which will allow the economy to grow (faster). In con-
trast, if individuals, institutions, or governments bor-
row for consumption today, then future generations
are likely to be worse off since current consumption
may reduce economic growth in the future and, in the
case of public borrowing, additionally obligate future
taxpayers to fund the cost of expenditures we make
today.
In the United States, health care spending is a criti-
cal component of examining both these intra- and
inter-generational transfers. At present we spend
much more on health care, and in total, for the elderly,
Dan Crippen, Ph.D., is the newly appointed Executive Di-
rector of the National Governors Association. He has held
various posts in the public sector, including Chief Counsel
to the Senate Majority Leader, Assistant to the President and
Domestic Policy Advisor, and Director of the Congressional
Budget Office. Over the last decade, he has worked primarily
in the private sector with various organizations providing or
financing health care. Amber E. Barnato, M.D., M.P.H.,
M.S., is an Associate Professor of Medicine and Health Policy
and Management at the University of Pittsburgh, and was a
Visiting Scholar at the Congressional Budget Office during
Dan Crippen’s tenure.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
2. Social safety nets, or
"socioeconomic safety
nets", are non-
contributory transfer
programs seeking to
prevent the poor or
those vulnerable to
shocks and poverty
from falling below a
certain poverty level.
Safety net programs
can be provided by
the public sector or
by the private sector.
3. Cash transfers,
Food-based programs such as supplementary
feeding programs and food
stamps, vouchers, and coupons,
In-kind transfers such as school supplies and
uniforms,
Conditional cash transfers,
Price subsidies for food, electricity, or public
transport,
Public works,
Fee waivers and exemptions for health
care, schooling and utilities.
4.
5. Food-based safety net programs
support adequate consumption and
contribute to improving nutrition and
securing livelihoods. They differ from
other safety net programs in that they are
tied to the provision of food, either
directly or through cash-like instruments
(food stamps, coupons) that may be used
to purchase food.
6.
7. Supplementary feeding programs provide a
direct transfer of food to target households or
individuals. The food may be prepared and eaten
on-site (e.g., in child feeding centers or at
schools), or given as a dry ration to take home.
School feeding programs encourage children’s
enrollment and improve their ability to pay
attention in class.
Food for work (FFW) programs provide food
rations in exchange for a given amount of work
done.
Emergency food distribution includes direct
provision of food, supplementary feeding for
vulnerable groups, and therapeutic feeding
during crises, emergencies and situations in
which people are displaced.
Food stamps, vouchers, and coupons are near-
cash paper tokens targeted to poor
householdsthat they can use to purchase food at
authorized retail locations.
8.
9. Safety nets are part of a broader poverty
reduction strategy interacting with and
working alongside of social insurance;
health, education, and financial services; the
provision of utilities and roads; and other
policies aimed at reducing poverty and
managing risk.
10. Safety net programs can play four roles in
development policy:
Safety nets redistribute income to the poorest and
most vulnerable, with an immediate impact on
poverty and inequality.
Safety nets enable households to make productive
investments in their future that they may otherwise
miss, e.g. education, health, income generating
opportunities.
Safety nets help households manage risk, at least
offsetting harmful coping strategies and at most
providing an insurance function which improves
livelihood options.
Safety nets allow governments to make choices that
support efficiency and growth.
11.
12. Welfare is the provision of a
minimal level of well-being and
social support for all
citizens, sometimes referred to as
public aid. In most developed
countries, welfare is largely
provided by the government, in
addition to charities, informal social
groups, religious groups, and inter-
governmental organizations.
13. The United States would be the only
industrialized country that went into the
Great Depression with no social insurance
policies in place. It was not until 1935 that
significant, if conservative by European
standards, social insurance policies were
finally instituted under Franklin D.
Roosevelt's New Deal. In 1938, the Fair Labor
Standards Act, limiting the work week to 40
hours and banning child labor for children
under 16, was passed over stiff congressional
opposition. The price of passage of the New
Deal's Social Security and Fair Labor acts was
the exclusion of domestic, agricultural, and
restaurant workers, who were largely
African-American, from social security
benefits and labor protections.
14.
15. In the United States, Social Security
refers to the Old-Age, Survivors, and
Disability Insurance federal program. The
original Social Security Act (1935) and the
current version of the Act, as
amended, encompass several social welfare
and social insurance programs.
Social Security is currently estimated to
keep roughly 40 percent of all Americans age
65 or older out of poverty. The Social
Security Administration is headquartered in
Woodlawn, Maryland, just west of Baltimore.
16.
17. Federal Old-Age (Retirement), Survivors, and
Disability Insurance,
Unemployment benefits,
Temporary Assistance for Needy Families
Health Insurance for Aged and Disabled
(Medicare)
Grants to States for Medical Assistance Programs
(Medicaid)
State Children's Health Insurance Program
(SCHIP)
Supplemental Security Income (SSI)
Patient Protection and Affordable Care Act.
18. The earliest age at which (reduced) benefits
are payable is 62. Full retirement benefits
depend on a retiree's year of birth.
19.
20. Children of a retired, disabled or
deceased worker receive benefits as a
"dependent" or "survivor" if they are under
the age of 18, or as long as attending primary
or secondary school up to age 19 years, 2
months; or are over the age of 18 and were
disabled before the age of 22.
21. A side effect of the Social Security program in
the United States has been the near-universal
adoption of the program's identification
number, the Social Security number, as the de
facto U.S. national identification number. The
government originally stated that the SSN would
not be a means of identification, but currently a
multitude of U.S. entities use the Social Security
number as a personal identifier. These include
government agencies such as the Internal
Revenue Service, the military as well as private
agencies such as banks, colleges and
universities, health insurance companies, and
employers.
22.
23.
24. In the U.S., programs that meet these
definitions include Social
Security, Medicare, the PBGC program, the
railroad retirement program and state-
sponsored unemployment insurance
programs.
25.
26. the benefits, eligibility requirements and
other aspects of the program are defined by
statute;
explicit provision is made to account for the
income and expenses (often through a trust
fund);
it is funded by taxes or premiums paid by (or
on behalf of) participants (although
additional sources of funding may be
provided as well);
the program serves a defined population, and
participation is either compulsory or the
program is heavily enough subsidized that
most eligible individuals choose to
participate.
27. Typical similarities between social
insurance programs and private insurance
programs include:
Wide pooling of risks;
Specific definitions of the benefits provided;
Specific definitions of eligibility rules and the
amount of coverage provided;
Specific premium, contribution or tax rates
required to meet the expected costs of the
system.
28. Typical differences between private insurance
programs and social insurance programs
include:
Participation in private insurance programs is
often voluntary,
The right to benefits in a private insurance
program is contractual, based on an
insurance contract,
private insurance is fully funded, but this is
not always true.