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  1. Sosiaalitilit ja moraalikato
    Autor*in: Lassila, Jukka; Valkonen, Tarmo
    Erschienen: 19 Mar. 2009
    Verlag:  Elinkeinoelämän Tutkimuslaitos, Helsinki

    Moral hazard means that people with insurance may take greater risks because they know they do not bear the full consequences of their actions. This can occur with both private insurance and social insurance. Deductibles can be used to alleviate the... mehr

    Standort:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signatur:
    DS 129 (1181)
    Fernleihe:
    keine Fernleihe

     

    Moral hazard means that people with insurance may take greater risks because they know they do not bear the full consequences of their actions. This can occur with both private insurance and social insurance. Deductibles can be used to alleviate the problem. An interesting way to bring deductibles into social insurance is to establish individual social accounts. Mandatory payments into individual social accounts that finance social insurance payments replace taxes that are currently financing social-insurance benefits. At retirement, the remaining balances in the accounts are paid to account holders or added to their retirement benefits. If the account balance is negative at that time, the account is set to zero. The report considers individual unemployment accounts, including severance payments accounts and employment bonuses, and health and long-term care accounts. -- Social insurance ; moral hazard ; individual social accounts

     
    Export in Literaturverwaltung   RIS-Format
      BibTeX-Format
    Hinweise zum Inhalt
    Quelle: Verbundkataloge
    Sprache: Finnisch
    Medientyp: Buch (Monographie)
    Format: Online
    Weitere Identifier:
    hdl: 10419/44537
    Schriftenreihe: ETLA discussion paper ; 1181
    Schlagworte: Sozialversicherung; Moral Hazard; Finanzierung der Sozialversicherung
    Umfang: Online-Ressource (33 S.)
    Bemerkung(en):

    Zsfassung in engl. Sprache
  2. Hoivavakuutuksen tarve ja arvo erilaisille kotitalouksille
    Autor*in: Määttänen, Niku; Valkonen, Tarmo
    Erschienen: 2010
    Verlag:  Elinkeinoelämän Tutkimuslaitos, Helsinki

    We study old age care expenditures and means to prepare for them. The expected size of the expenditures is described both from the point of view of individuals and the municipalities who provide the services. We use a numerical stochastic life cycle... mehr

    Standort:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signatur:
    DS 129 (1223)
    Fernleihe:
    keine Fernleihe

     

    We study old age care expenditures and means to prepare for them. The expected size of the expenditures is described both from the point of view of individuals and the municipalities who provide the services. We use a numerical stochastic life cycle model to research how much various individuals would benefit from a possibility to buy a long term care insurance policy in stead of using private saving to cover the uncertain expenditures. In addition, the influence of customer fees and vouchers on the value of the long term care insurance is analyzed.

     
    Export in Literaturverwaltung   RIS-Format
      BibTeX-Format
    Hinweise zum Inhalt
    Quelle: Verbundkataloge
    Sprache: Finnisch
    Medientyp: Buch (Monographie)
    Format: Online
    Weitere Identifier:
    hdl: 10419/44511
    Schriftenreihe: ETLA discussion paper ; 1223
    Schlagworte: Sozialpolitik; Ältere Menschen; Altersvorsorge; Öffentliche Sozialleistungen
    Umfang: Online-Ressource (PDF-Datei: 36 S., 168,63 KB), graph. Darst.
    Bemerkung(en):

    Zsfassung in engl. Sprache