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EN
Diamond and Mirrlees (1978), considering disability retirement under conditions of asymmetric information, determined the socially optimal, incentive-compatible benefit-retirement age scheme that does not follow traditional actuarial fairness. Eso and Simonovits (2002) did the same for flexible old-age retirement. In the latter model, individuals (types) have private information about their expected life spans. The government's goal is to design a pension system (a function relating benefits to retirement age) that maximizes a social-welfare function and satisfies the social budget constraint and incentive compatibility constraints: a second-best redistributive solution. This paper replaces the social constraint by type-specific ones and determines the fair second-best solution. The fair solution is, however, frequently inefficient, because it is often Pareto-dominated by the redistributive one.
EN
All developed countries are facing the serious demographical and economical trends, which include critically low birth rates, increasing costs of the health care per capita and the high frequency of the natural disasters, other calamities or the terrorist attacks. The above risks are connected with the increased damage often not included in the insurance policy. It is questionable who should eventually bear such damages. The injured persons tend to expect a compensation from the insurance companies for the damage on assets or health notwithstanding the reason of the damage. These trends lead to reassessing of the current insurance systems and inventing of the new solutions. One of the possibilities is closer co-operation of a private (commercial or life) and a public insurance. The article describes the several aspects of such cooperation. At the beginning we highlighted some developments of a private and a public insurance, including the mutual elements and differences in the principles of the systems, resulting into examples of co-operation of a private and a public insurance with the respect of their specifics. The empirical findings have proved that the cooperation of a public and a private insurance can create the positive effects by the optimal combination of the instruments. One of the most noticeable effects is a competition leading to the significant improvement of the insurance services. Another positive effect is the prevention and avoidance of the excessive risks, which are managed better by the private insurance companies. The co-operation of a private and a public insurance cannot be implemented in a general way. There are selected areas where the positive effects are clear, but there are also the areas where the impacts are questionable. Both private and public insurance have boarders limiting the possibilities of their cooperation. However, such co-operation seems to be a solution for the selected problems of the current society leading to the increased safety feeling of the citizens.
EN
(Title in Ukrainian - 'Vplyv zaprovadzhennia nakopychuvalnoi skladovoi derzhavnoi systemy pensiinoho strakhuvannia na pidvyshchennia rivnia sotsialnoho zakhystu naselennia v Ukraini'). The influence of introduction of accumulation constituent of the state pension insurance system in Ukraine on increase of the social protection level of both, persons of retirement age and the population on the whole, was investigated. Reform of the system of pensions provided today is one of basic trends of perfection of the general system of social protection of population in Ukraine. Priority given to the pension reform is conditioned upon many factors, in particular the population ageing, enhanced immigration and change of social values. A short review of certain stipulating factors speeding up the necessity of cardinal changes, in particular in the field of pension insurance is presented.
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