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Centre for Policy on Ageing | |
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Private welfare insurance and social security
— pushing the boundaries | | Author(s) | Tania Burchardt, John Hills |
| Corporate Author | Joseph Rowntree Foundation - JRF |
| Publisher | YPS, for the Joseph Rowntree Foundation, York, 1997 |
| Pages | 71 pp |
| Source | Joseph Rowntree Foundation, The Homestead, 40 Water End, York. YO3 6LP. |
| Keywords | Insurance ; Health insurance ; Mortgages ; Organisation of care ; Services ; Health services ; Long term ; National insurance contributions ; Reports. |
| Annotation | This report examines three areas where private insurance has taken over part of the role of social security, or might do in future: mortgage payment protection (MPP), permanent health insurance (PHI), and long-term care insurance (LTC). The researchers survey the terms and conditions of policies currently available and ask whether they represent good value for money and, if so, for whom. They also examine who would be the gainers and losers of switching from tax-funded social security to private insurance. The authors conclude that problems such as uncertainty and linked risks make long-term care by far the least suitable area for policy to rest on private insurance. They suggest that collectively financed social security may offer a better deal than commonly supposed, not just for those with low incomes and at high risk, but also for those with average incomes and at more typical risk. |
| Accession Number | CPA-970512018 B |
| Classmark | WP: WPG: WQA: P: I: L: 4Q: JBC: 6K |
Data © Centre for Policy on Ageing |
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| ...from the Ageinfo database published by Centre for Policy on Ageing. |
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