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INDIVIDUAL UNEMPLOYMENT INSURANCE - THE ANALYSIS OF NET PREMIUM RESERVES (Komercyjne ubezpieczenie od ryzyka utraty pracy - analiza rezerwy skladki netto)

100%
Debicka J.
Śląski Przegląd Statystyczny
|
2010
|
issue 8(14)
25-53
EN
The insurance reserve for an insurance contract is a difference between the actuarial value of future benefits and net premium. One of the ways of calculation of reserves is the prospective method. In the article a model for an individual insurance for financial consequences of unemployment is proposed. Net premiums and insurance reserves are calculated according to the method used in life insurances. In order to simplify the form of formulas, we use matrix notation introduced in [Debicka, Mazurek 2008; Debicka, Macierzowa reprezentacja...]. This approach enables us to give a flexible tool for the analysis of profits of multistate insurance contracts and makes the numerical procedures to be implemented easier. The aim of this paper is to analyze net premium reserves for unemployment insurances. Numerical examples are based on data taken from Labour Department in Jelenia Gora for 2004.
2

Targeting unemployment benefits in Hungary

75%
Galasi P., Nagy G.
Kozgazdasagi Szemle (Economic Review)
|
2008
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vol. 55
|
issue 5
23
EN
The authors use the 2004 income survey of the Central Statistical Office to consider targeting of two types of unemployment-related benefit: (a) unemployment insurance and retraining benefits (UBs), and (b) unemployment assistance (UA). The evidence suggests that UBs are relatively well-targeted in the sense that most of the income support goes to persons at the bottom of the income ladder, although those in deep poverty benefit less. Income-redistribution exercises performed show that removing UBs would be detrimental to the position of persons at the bottom of the income scale, resulting in a higher poverty rate, while that redistributing them in favour of members of the original bottom or two bottom income deciles would better their income position and reduce the poverty rate. The authors also looked at whether persons eligible for UA (the main means-tested benefit in Hungary) were actually benefiting from it, and whether local labour-market conditions influenced the probability of receiving UA. It was found that persons meeting the eligibility criteria (personal and household income levels) have better chances of receiving UA, while local rates of unemployment also have a positive effect on such chances.
3

AKTUÁLNE ZMENY V SOCIÁLNOM POISTENÍ TÝKAJÚCE SA OSÔB V PRÁVNOM VZŤAHU ZALOŽENOM NA ZÁKLADE DOHODY O PRÁCI VYKONÁVANEJ MIMO PRACOVNÉHO POMERU

75%
Krippel M.
Právny obzor. Teoretický časopis pre otázky štátu a práva (Juridical Review. Theoretical journal for the questions of state and law)
|
2014
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vol. 97
|
issue 6
621 – 638
EN
The contribution describes the actual changes of Social Insurance Act No. 461/2003 Coll. as alteredand amended which is effective from 1 January relating to the status of persons who carry out work under agreemanets on work performed outside employment relationship. These changes: 1. they have resulted in, that the work under agreemanets on work performed outside employment relationship has become less attractive (new obligation to pay contributions for employees and employers and increasing the administrative burden for employers); 2. They ensure increase of finance to basic social insurance funds controlled by the Social Insurance Agency; 3. They enhance the social protection for policyholders by fulfillment of the conditions of sickness benefit and unemployment benefit entitlement, in the case of entitlement to pension benefit these changes increase social protection only for certain policyholders; 4. in many cases the changes make worse the status of policyholders by amount of their pension benefit and unemployment benefit. We consider that the increase contributory obligation (contribution payment) should be compensated in any case by more social protection for policyholders, what in many cases will not happen. These legal changes even sometimes reduce the social protection of policyholders.
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