Benefit Payments Research Articles

Insurance secrecy

This article discusses the issues related to insurance secrecy, which is an important matter from the perspective of insurance practice. The insurance is based on clients’ confidence in the payment of benefits if an event covered by the insurance has occurred as well as on the assumption that crucial data concerning major facts of the client’s life provided in the course of concluding the insurance contract (specifically in the medical survey concerning the insured’s health condition) and while the insurance relationship persists will be disclosed to nobody in an unauthorised manner. Insurance secrecy is a professional secrecy regulated by the Act of 11 September 2015 on Insurance and Reinsurance Activity in order to ensure the confidentiality of data transmitted and to maintain clients’ confidence in insurance companies. Insurance secrecy is related to the protection standard of the right to privacy, with this right constituting one of the major values.This article deals with the temporal, territorial, material and subjective scope of applying the insurance secrecy, principles of liability for the breach thereof, as well as the admissibility of consent to release the information covered by the secrecy, by citing different voices concerning those issues. In addition, the author presents judgments relating to a number of aspects concerning the practical application of provisions concerning the insurance secrecy and highlighting the basic characteristic of the institution in question. Some practical aspects related to the application of the insurance secrecy are also addressed, taking into account the current realities of the insurance market, including technical solutions (e.g. social media), by means of which beneficiaries of insurance contracts or the insured themselves inform the public about the liquidation procedure, which puts the insurance companies, or more broadly the insurance distributors, in a more difficult position in terms of their image. Finally, some de lege ferenda proposals are put forward in respect of those aspects of insurance secrecy, which, in the authors’ opinion, need to be dealt with by the legislator.

Optimal investment strategies and intergenerational risk sharing for target benefit pension plans under habit formation

This paper investigates a stochastic model of a continuous-time target benefit pension system with habit formation, where members' contributions are predetermined and pension payments depend on the financial condition of the system. Moreover, risk sharing among different generations is considered and we incorporate the habitual benefit payment process into the plan manager's objective. Concretely, the plan manager aims to minimize the deviation between actual payments and habitual payments, which can minimize the combined benefit-risk (i.e. deviation from the habitual target) and intergenerational transfers effectively. Furthermore, the pension fund is allowed to invest in a risk-free asset and a risky asset. By employing the martingale method, we derive the optimal investment strategy and the benefit adjustment strategy explicitly. Finally, numerical analysis is provided to illustrate the effects of model parameters on the optimal strategies.

Postseparation Financial Abuse Perpetrated Through Government Systems: A Survey of Australian Mothers' Experiences of Child Support.

Financial abuse is a form of violence that can extend well beyond intimate partner relationship breakdown. A survey of 540 Australian separated parents examined how financial abuse was perpetrated, with a focus on child support and other government systems. Women reported that their ex-partners minimized and withheld child support payments to inflict direct financial harm, while interactions between the family court, taxation, and benefit payment systems were taken advantage of to threaten or control them. Findings revealed how the mandatory and complex Australian child support system provided perpetrators with a useful means of perpetrating financial abuse across households.

Relationship between enforcement of labor social welfare laws and internal CSR, job satisfaction: a qualitative study at commercial banks in Vietnam

This study aimed to explore the relationship between three factors: enforcement of labor social welfare labor laws, internal corporate social responsibility (CSR) implementation, and job satisfaction as perceived by managers in the commercial banking sector. The research utilized a qualitative research method – in-depth interviews based on a semi-structured questionnaire with 20 experienced managers from 11 commercial banks in Vietnam, an emerging economy. Findings indicated a positive reciprocal relationship between enforcement of social welfare labor laws and internal CSR responsibilities of enterprises. Additionally, enforcing labor social welfare laws and internal CSR implementation positively impacted employee job satisfaction. The study also identified five aspects of internal CSR implementation towards employees: (1) timely and full payment of wages, bonuses, and benefits; (2) establishing a conducive work environment; (3) policies addressing human rights, health, and safety at work; (4) fair and democratic treatment, providing training and career advancement opportunities, and protecting employees through organizational activities; (5) having legal norms, procedures, mechanisms for recording, feedback, monitoring, and reasonable evaluation of job performance. These findings contribute to enriching both theoretical understanding and practical implications regarding the interplay of these three factors in commercial banks, encouraging managers to effectively implement social welfare laws and internal CSR implementation. AcknowledgmentThis collaborative research involves scholars from the University of Law - Hue University and Duy Tan University. The authors extend their gratitude to both institutions for their support and assistance in facilitating the publication of this research. In addition, the authors would like to thank the Editor-in Chief and a reviewer for their helpful comments that in our view have helped to improve the quality of the manuscript significantly. This study was conducted based on decision No. 4741/QD-ĐHDT dated October 18, 2023 of Duy Tan University, Vietnam.

Analysis Of Future Health Insurance Premium Reserve Calculations Using The Commissioners Method With Woolhouse Formula

A premium reserve is the amount of funds that the insurance company needs to prepare for the payment of liability benefits when a claim occurs. One method of calculating premiums is the commissioners method which is an extension of the prospective reserve method.The main factor in the actuarial calculation is the mortality rate that can be determined using the WOOLHOUSE mortality law. This study aims to determine the size of the life insurance premiums reserve using the commisioners method and the WOLHOUSE mortality laws. The calculation of the premium reserve is linked to the determination of a person's chances of survival over a period of years of WOALHOUSE law which is then used to find the value of the insurance, the initial annuity value, the annual premium, the modified premiums based on the Commissioners method, and the amount of the premie reserve at the end of the year. The study was conducted on a 25-year-old woman who was enrolled in a dwiguna life insurance program with a 25 year liability period and a 23 year premium payment period at a 4% interest rate with a liability of Rs. 500,000,000. The results of the analysis showed that the large reserves of premiums obtained at the end of the period of liability with the Commissioners method and the WOOLHOUSE mortality law are equal to the given reservation value, so that the insurance company is prepared to give the amount of reservation promised to the policyholder.

Receipt of parenting, disability, unemployment, and other income support payments in persons aged 16 to 33 years – the associations with child maltreatment

BackgroundChild maltreatment (CM) is a major public health concern with life-long effects. Its impact on income support has rarely been studied. ObjectiveTo examine the association between CM and receipt of income support payments and the budgetary impact for persons 16 to 33 years. Participants and settingA South Australian birth cohort, born 1986 to 2004 (n = 339,411). MethodsWe linked child protection (CP) administrative records with national welfare payment records, ending March 2020. Receipt of income support payments and mean payment amounts were described by CP contact (adjusted for child and family attributes). Budget impact was modelled at the national level. ResultsAdjusted odds ratio (AOR) for receipt of any income support payment was 3.01 (2.95–3.07) for individuals with any CP contact versus no CP contact. Among those receiving any payment, adjusted annualised mean benefit payment was $3754 (US$1446) among individuals with no CP contact, $6262 (US$4,307) in persons with any CP contact, and $9,747 in persons who'd been in OOHC. Cumulative payments modelled from age 16 to 33 years totalled $38,570 (US$26,652) for individuals with no CP contact, and $181,743 (US$125,003) for individuals who'd been in OOHC. Modelled for the Australian population to age 33, the extra cost associated with CP contact added 39 % to the government income support budget. ConclusionCM is strongly associated with receipt of income support payments. Investment in effective preventive and protective strategies for CP involved children could address this core social determinant of health, while providing budget savings.

КЛИНИКО-ЭКОНОМИЧЕСКАЯ ЭФФЕКТИВНОСТЬ ПРИМЕНЕНИЯ ФОТОДИНАМИЧЕСКОЙ ТЕРАПИИ В ЛЕЧЕНИИ ПАЦИЕНТОВ С ФЛЕГМОНАМИ ЧЕЛЮСТНО-ЛИЦЕВОЙ ОБЛАСТИ И ШЕИ

Background. Treatment of patients with phlegmon of the maxillofacial area is an urgent problem in modern maxillofacial surgery. Objective. To conduct a clinical and economic evaluation of the local photodynamic therapy (PDT) effectiveness during the postoperative period in comparison with traditional treatment in patients with phlegmon of the maxillofacial area and neck. Material and methods. Clinical and economic features of treatment of patients with a confirmed diagnosis of “Phlegmon of the maxillofacial area and neck” (ICD-10: L03.2) with local use of PDT were studied and analyzed. Economic efficiency was evaluated based on the cost-effectiveness analysis. The economic effect of preventing direct damage (for inpatient treatment, payment of temporary disability benefits) as well as indirect damage (loss of gross domestic product) because of reduced hospital length of stay has been determined. Results. The advantage of a local application of PDT both from a clinical point of view (reducing the time for cleansing a wound from purulent-necrotic masses, relieving edema, resolving infiltrate, the appearance of granulations, reduced length of inpatient treatment) and from an economic point of view (the overall economic effect for the period of inpatient treatment of 1 patient with PDT was 3092.67 BYN) has been shown. Conclusion. The results demonstrate the clinical and economic feasibility of wider local use of PDT in the complex treatment of patients with phlegmon of the maxillofacial area and neck.

Assessing the fiscal consequences of novel and existing treatments for triple negative breast cancer in Switzerland by applying a government perspective framework

Background Triple Negative Breast Cancer (TNBC) is an aggressive subtype of breast cancer that can impact patients’ employment and workforce participation. This study estimates how the employment effects of TNBC impact government tax revenue and public benefits expenditure in Switzerland, representing the fiscal burden of disease (FBoD), and likely consequences of introducing new treatment options. Methods A four-state cohort model was used to calculate fiscal effects for two treatments: Neoadjuvant pembrolizumab plus chemotherapy followed by adjuvant pembrolizumab monotherapy (P + C→P) and neoadjuvant chemotherapy alone (C). Lifetime present values of tax revenue, social benefit payments, and healthcare costs were calculated for the average population and those undergoing treatment to assess the FBoD. Results An average TNBC patient treated with C and P + C→P is expected to generate CHF128,999 and CHF97,008 less tax than the average population, respectively, and require increased social benefit payments. Compared to C, 75% of the incremental healthcare costs of P + C→P are estimated to be offset through tax revenue gains. Conclusions This analysis demonstrates that 75% of the additional costs of a new TNBC treatment option can be offset by gains in tax revenue. Fiscal analysis can be a useful tool to complement existing methods for evaluating new treatments.

Dynamics of Ageing in Akoko Area of Ondo State Nigeria: Challenges of Public Welfare for the Aged

Objectives: The purpose of this study is to investigates the dynamics of ageing in Akoko Land of Ondo State Nigeria and challenges of public welfare for the aged. The Study was anchored on disengagement theory to explain the inevitable process of disengagement as a rewarding and universal that must be mutually agreed upon. Methods: Both quantitative and qualitative data were collected from randomly selected respondents and key informant participants numbering one hundred and forty (140). The quantitative data collected from 120 respondents were analyzed with statistical package for the social sciences, while the qualitative data collected from 20 participants were analyzed using content analysis. Results: Findings revealed that the aged were relatively neglected in term of care and social security. Majority of the respondents 94.2% agreed that extended family system alone cannot stand as a social insurance for the aged. 90% agreed that improvement in the social care and security policies across public and private organization would help to alleviate most aged poverty level. Conclusions: This study recommends, among others, that every family should extend mutual love and care gesture towards their ageing cohort, the aged should themselves engage in proper future savings and investments, while the society, through the non-governmental organizations (NGOs) and the Government should intensify their efforts to provide social security, public infrastructure, medical facility, prompt pension and retirement benefit payment in order to assure graceful ageing for every aged cohort in the society.

The burden of working time lost to compensable occupational injury and disease in Australia, 2012-17: a retrospective population-based study.

To determine the national burden of working time lost to occupational injury and disease in Australia compensable by workers' compensation schemes; to characterise the distribution of time lost by age, sex, and injury and disease type. Retrospective population-based study; analysis of National Dataset for Compensation-based Statistics (NDS) data. Granted workers' compensation claims by people aged 15-100 years including payment of wage replacement benefits for time off work lodged in Australia, 1 July 2012 - 30 June 2017. Working years lost (WYL) per annum (total number of years of wage replacement benefits paid to injured and ill workers), overall and by sex, age, and injury and disease type; WYL per 10 000 fulltime equivalent (FTE) years worked. A total of 755 330 eligible claims with complete data for analysis variables by people aged 15-100 years were identified, for compensable injuries and disease that led to 41 194 (95% confidence interval [CI], 41 020-41 368) WYL/year. The annual WYL number and rate were each higher for men (25 367 [95% CI, 25 230-25 503] WYL/year; 42.6 [95% CI, 42.1-43.1] WYL/10 000 FTE years) than for women (15 827 [95% CI, 15 720-15 935] WYL/year; 38.8 [95% CI, 38.2-39.4] WYL/10 000 FTE years). Workers aged 45-100 years made 66 742 claims per year (44.1% of all claims) but incurred 21 763 WYL/year (52.8% of all WYL). Traumatic joint and muscle injuries led to 16 494 WYL/year (40.0% of all WYL), musculoskeletal disorders to 8547 WYL/year (20.7%), mental health conditions to 5361 WYL/year (13.0%), fractures to 4276 WYL/year (10.4%), and wounds and lacerations to 3449 WYL/year (8.4%). Occupational injury and disease covered by workers' compensation result in lost working time in Australia equivalent to more than 41 000 fulltime jobs. Distribution of the burden reflects the greater labour force participation of men, slower recovery of older workers, and the impact of common occupational injuries and diseases. Population-based monitoring of lost working time could support effective occupational health surveillance and allocation of resources for protecting the health of Australian workers.

Civil Servant’s Socio-Cultural Beliefs About the Aged Population: Implication for Counselling Practices

Ageing is a universal human trait since it is something everyone in every culture and nation experiences and the belief people hold on to about ageing is largely influenced by their culture. Many cultures have different perceptions and belief of their aged individuals. This research work is therefore based on civil servants’ socio-cultural beliefs about the aged population and their implications for counselling practices. The research design adopted for the study was a descriptive survey method. Three null research hypotheses were generated and tested for in the body of the work at 0.05 level of significance. Purposive sampling technique was used to select 300 civil servants who served as respondents for the purpose of the work. A researcher designed questionnaire tagged socio-cultural beliefs about aged inventory (SCBAAI) was used to collect data for the study. The data collected were analysed using t-test statistics and ANOVA as appropriate. The results revealed that the three null hypotheses generated were accepted. It was recommended that there should be plan and policies designed for the older generation. Also, it was recommended that government should as a matter of urgency have an agency that will be responsible for the social, security and payment of benefits to the aged, people with disabilities and their carers.

Enhanced Unemployment Insurance Benefits in the United States during COVID-19: Equity and Efficiency

We assess the effects of the historically unprecedented expansion of U.S. unemployment insurance (UI) payments during the COVID-19 pandemic. The adverse economic impacts of the pandemic, notably the pattern of job losses and earnings reductions, were disproportionately born by lower-income individuals. Focusing on household income as a broad measure of well-being, we document that UI payments almost completely offset the increase in household income inequality that otherwise would have occurred in 2020 and 2021. We also examine the impacts of the $600 increase in weekly UI benefit payments, available during part of 2020, on job search outcomes. We find that despite the very high replacement rate of lost earnings for low-wage individuals, the search disincentive effects of the enhanced UI payments were limited overall and smaller for individuals from lower-income households. These results suggest that the pandemic UI expansions improved equity but had limited consequences for economic efficiency.

Trade Unionism and Welfare of Members of Academic Staff Union of Universities (ASUU), University of Uyo Branch, 2010-2020

The study emerged from the abysmal welfare conditions in the Nigerian public university system particularly as it concerns members of ASUU in the University of Uyo. The study sought to ascertain the extent to which trade unionism by ASUU has enhanced the promotion of members of the Union and to examine the role ASUU has played in ensuring the payment of fringe benefits to members. The research adopted Conflict Theory as a theoretical guide. A survey method was adopted for the study. A structured questionnaire and interviews were the instruments used to obtain data from the respondents. A sample size of 301 was selected from the population using a simple random sampling technique. Data for the study were obtained from both primary and secondary sources. A one-way ANOVA statistical method was adopted to test the two research hypotheses. The findings of the study revealed that there is no significant relationship between trade unionism and the promotion of the members of ASUU and that the payment of fringe benefits to members of ASUU at the University of Uyo has no relationship with unionism in ASUU. The research recommended that ASUU should adopt a workable mechanism for collaboration with the university management on timely promotion, design a precise template to guide payment of fringe benefits and encourage members to join the Uniuyo Academic Staff Multipurpose Co-operative Society.

Covid 19 Pandemic and Lecturers’ Perception on Income and Satisfaction in Nigerian Private Universities: Qualitative Evidence from Al-Hikmah University

The pandemic's immediate effects may be gloomy, but it also presents a rare opportunity for learning, transformation, and resilience-building within Nigerian universities' educational systems. Against this backdrop, the Covid-19 pandemic and teachers' perceptions of income and satisfaction in Nigerian private universities were the subjects of this study. The study was accompanied by the formulation of two research questions. The entire faculty at Al-Hikmah University makes up the study's population. Participants were chosen using two non-probability sampling strategies. Purposive and convenient procedures were specifically used to pick four academic staff members from various faculties. Relevant data for the study was gathered using an interview methodology called the "Interview Protocol on Income and Satisfaction (IPIS)". Data collected were analyzed using thematic method. Findings indicate that lecturers’ were satisfied with the level of income in the university. Specifically, they are satisfied in terms of regular payment of Salaries and other fringe benefits. Also, findings revealed that the pandemic had impact on Al-Hikmah University in many ways. The study recommends that management of Al-Hikmah University should come up with another source of income to increase revenue drive, this will enable them have more financial buoyancy, to increase the satisfaction of their lecturers. Additionally, there should be aggressive planning and policy mix should be set up in order to provide for the staff in the closest future, this will empower the University to prepare and take actions in case of future occurrences.

De-risking pension plans: the impact on firm value from lump-sum buyouts

Firms have attempted to de-risk their pension obligations by offering its pension beneficiaries a lump-sum distribution instead of the guaranteed payments to be paid to retirees in a defined benefit pension plan. We examine the stock market reaction to the announcement of these offerings using event study methodologies. We find a statistically significant positive cumulative abnormal returns for the 20-day period prior to the event, the 20-day period after the event, and for the entire 41-day event period surrounding the announcement. We also find that the cumulative abnormal returns are higher the more liabilities a firm has and increases with the level of funding of the pension plan. Our results contribute to the literature on pensions by finding that firms that buy out their pensioners’ defined benefit payments via a lump-sum distribution experience an increase in firm value. There is a significant amount of analysis of such buyouts in the literature and in the press, but our results are the first to examine and document the increase in value derived from such pension changes. We also more fully develop the motivations for such events from a cost/benefit perspective.

Przypadek hrabiego Orgaza - w jakich granicach czasowych można projektować przyszłość po swojej śmierci?

The aim of the article is to determine the temporal boundaries within which one can shape the legal situation of others after one's death. The starting point for these considerations is the case of Count Orgaz, who, in the 14th century, issued a perpetual disposition of benefits in favor of the Parish of St. Thomas in Toledo. The study examines the institution of condition, the 'legatum per damnationem', payments of benefits from family foundations, and 'inter vivos' contracts whose full effectiveness is linked to the death of the party. The research supports the conclusion that when planning for the future after one's death, one can only make dispositions that are binding within a limited temporal scope. The legal system protects both the freedom to dispose of property in the event of death and the freedom of heirs to acquire and maintain property. An exceptional regulation provides the Act on Family Foundations dated January 26, 2023. It creates a basis for establishing a family foundation for the purpose of accumulating assets, managing them in the interest of beneficiaries, and providing benefits on their behalf. As long as the family foundation exists, payments of benefits can be made in accordance with the will of the founder.

Assessment of satisfaction with contributory pension scheme among retired staff of the Abubakar Tafawa Balewa University and Federal Polytechnic Bauchi, Nigeria

The new contributory pension scheme (CPS) was introduced by the Pension Reform Act, 2004 reviewed in 2014.The reform became necessary in order alleviate the constraints of Defined Pension Scheme in Nigeria. Evidently the old pension scheme became operationally unsustainable due to deficit funding, weak administrative structure, frequent increase in salary etc. To this end the new contributory pension scheme was introduced in 2004 making it mandatory for both employees and employers to contribute a certain percentage into retirement savings account of individual prospective retiree. This is with a view to build in confidence among retirees of the safety and immediate payment of their benefit. The study intends to assess the satisfaction of contributory pension scheme among retired staff of Abubakar Tafawa Balewa University and Federal Polytechnic Bauchi. The data for the study were generated from primary and secondary sources. The instruments of the primary data collection used were questionnaire and interview, while secondary sources made use of reports, books, magazines, gazettes, journals, research theses and dissertations and the internet. Data were analyzed using descriptive and inferential statistical tools. Questionnaires were distributed on a sample of 107 respondents selected from the population of the study through simple random sampling techniques to test the hypotheses. Chi square analysis tests result revealed that, compliance with the contributory pension scheme significantly improved prompt payment of lump sum benefits and implementation of CPS has significantly improved easy and timely access to pension benefits in RSA by retirees in ATBU and FPTB. However, it was recommended among other things that, PENCOM should ensure the achievement of a competitive return on investment through strong policies that will bring good investment and sustained output growth required to guarantee higher RSA growth and pension payment of retirees to improve the living standard of retirees. PENCOM should ensure close supervision, monitoring and evaluation of the performance of PFA’s in order to achieve efficiency in pension system. This will ensure transparency and continue promptness in payments, which are major setback of the old scheme.

Demographic Policy of the Soviet State during the Great Patriotic War: Legal Novels and their Social Consequences

The adoption of the Fundamentals of State Policy for the Preservation and Strengthening of Traditional Russian Spiritual and Moral Values and the restoration of the title “Mother Heroine” in the Russian state award system testifies to the state’s concern about the problem of a strong and large family, makes us turn to the Soviet experience in solving the demographic problem that arose during the Great Patriotic war. The purpose of the work is to assess the impact on society of legislative decisions taken to improve the demographic situation in the conditions of the Great Patriotic War. The objectives of the study are: to describe and characterize new legal measures in the field of demography, to establish the impact of legislative decisions on family values, to determine the prospects for using individual measures to improve the demographic situation in modern Russia. The work uses historical-legal, formal-dogmatic, statistical and comparative research methods. The measures taken aimed at stimulating the birth rate are analyzed: 1) material support for large families and single mothers; 2) the abolition of the right to claim for establishing paternity; 3) complicating the divorce procedure; 4) moral encouragement of motherhood. Statistical data on the cost of food are given, indicating that the material support of motherhood by the state (payment of benefits) could not have a significant positive impact on the birth rate. The Soviet state resorted to stimulating demographic processes on the basis of existing ideas about the system of human needs, but the approach used turned out to be fraught with serious social problems. The change in public morality – the manifestation of tolerance towards men who are indifferent to the fate of their offspring, which led to the aggravation of the problem of fatherlessness – was a “side effect” of the radical novelization of family law and changes in the norms on the social security of citizens. In the Soviet and modern period, the need to recognize the merits of fathers with many children who conscientiously fulfill their maintenance and upbringing duties to their children remained out of sight of the legislator.

The Beneficiary's Perception of their Awareness of Delay in Payment in Social Security Benefits in Tanzania

The study investigates beneficiaries' perceptions of their awareness of social security benefit delays, the relationship between employers' responsibility and social security benefit delays, and the effects of persistent NSSF bureaucracy on social security benefit delays in Tanzania. An explanatory study design was employed in this study with the use of a mixed quantitative and qualitative approach. The study included 150 NSSF customers and 5 key informants from employers. Data collection was conducted using a questionnaire and interview guide, respectively. This study examined NSSF beneficiaries' perceptions in Tanzania regarding delays in social security benefit payments. It reveals that a substantial proportion of customers attribute delays to employer actions, such as failures in timely contributions and inactivity in following up. The study underscores shared responsibility among customers, employers, and the system. It is concluded that addressing customer views through increased communication, employer engagement, and streamlined processes is critical for improving NSSF system efficiency and customer satisfaction. The study recommended that to improve the efficiency of benefit payments within Tanzania's National Social Security Fund (NSSF), it is advised to increase employer engagement and education, strengthen communication with stakeholders, revise policies to hold employers accountable, streamline bureaucratic processes, modernize operations, and investing in employee training

Specifics of the calculation by medical organizations of benefits for temporary disability to persons under civil law contracts

The article is devoted to the peculiarities of the calculation by organizations of temporary disability to persons employed under civil law contracts. It was noted that the state, introducing from January 1, 2023, payment of benefits not only to persons working under labor contracts,but also under civil law contracts and author’s order agreements, thereby strengthens social support for such citizens, provided that their earnings for the previous year were at least the federal minimum wage under the employment contract. Thus, the rights of employees under civil law contracts contract in terms of social insurance in case of temporary disability have become equal to the rights of persons working under the employment contract since 2023, and the amount of sick leave is determined in the same way. The article considers the requirements for the earnings of persons working under civil law contracts for receiving temporary disability benefits. The stages of calculating the size of this allowance by the insured are disclosed, as well as practical examples are given. Conclusions based on the results of the study.