Principles Of Social Insurance Research Articles

Analisis Jaminan Kematian Terhadap Ahli Waris BPJS Ketenagakerjaan Menurut Perspektif Asuransi Syariah (Studi Kasus BPJS Ketenagakerjaan Cabang Medan)

BPJS Employment is a state program that aims to provide guaranteed social protection for all Indonesian workers. Death Benefit (JKM) is a social security program implemented nationally based on social insurance principles with the aim of providing death benefits paid to the heirs of participants who die. Fulfilling worldly needs is an obligation. However, fulfilling the world's needs to achieve these needs can be done by protecting yourself, but still following Islamic law. This research aims to find out how the implementation of providing death insurance for the heirs of BPJS Employment Medan Branch according to the Sharia Insurance Perspective. This research uses a qualitative descriptive analysis method. Collecting research data through observation and interviews. The informants for this research are the Head of BPJS Employment Services, Medan Branch Office and the beneficiaries of the Death Insurance Program. The results of the research show that the implementation of providing death insurance to heirs has not been effectively implemented because the death compensation funds to heirs are late so that the death compensation cannot be felt during the death procession starting from the burial of the body to the prayer for the souls from the 7th day, even 40th day soul prayer. This is due to the heirs' lack of understanding in implementing the death insurance program and the application or processing of death insurance application documents requires too many requirements so that getting the death insurance benefits takes a long time. The non-payment of participants' death insurance claims for months by BPJS Employment has three strong indications of maladministration, namely protracted delays, non-compliance and unprofessionalism. Maladministration is behavior or acts against the law and ethics in the public service administration process. The forms of maladministration are procedural deviations, discriminatory actions, abuse of authority, including negligence or neglect of legal obligations, requests for rewards, and others. In the implementation of providing death insurance to heirs by BPJS Employment Medan Branch, it is not in accordance with sharia insurance principles, there is the occurrence of chance which has an impact on the element of maysir (gambling), there is an element of usury fadhl (excess between what is received and what is paid), including fines for lateness.

Особливості пенсійного забезпечення робітників та службовців УСРР в 1920-х рр.

Метою статті є комплексний аналіз системи пенсійного забезпечення робітників та службовців УСРР у 20-х рр. ХХ ст. Методологічну основу дослідження становлять принципи історизму, об’єктивності та системності. У контексті вивчення поставленої проблеми використано загальнонаукові та спеціальні методи дослідження: проблемно-хронологічний, системний, історико-порівняльний та ін. Наукова новизна роботи полягає у розкритті особливостей пенсійного забезпечення робітників та службовців, що базувалося на принципах соціального страхування. Висновки. Захопивши владу в Україні, після декількох невдалих спроб, більшовики проголосили про необхідність створення на місцях дієвої системи соціального захисту робітників та службовців. Звісно, що такі висловлювання не мали нічого спільного із реальністю. В умовах Громадянської війни та економічної розрухи держава не мала коштів на реалізацію цієї програми навіть щодо обмеженого кола осіб. Тому основною метою таких декларативних заяв було прагнення окупаційної влади переконати люмпенізовані верстви в турботі влади про них. З переходом до нової економічної політики фінансова ситуація в республіці ще більш ускладнилась через обмежені можливості державного бюджету в умовах ринкової економіки. Зважаючи на це, більшовицькою республіканською владою було внесено пропозицію реорганізувати систему соціального захисту на принципах соціального страхування. В нових умовах основним джерелом для соціальних виплат слугували страхові внески. Однією із актуальних форм соціального захисту того часу було пенсійне забезпечення непрацездатних. Забезпечення здійснювалося за рахунок страхових внесків роботодавців, розмір яких визначався шкідливістю та небезпечністю виробництва. Якщо у першій половині 1920-х років основною підставою для виплати пенсій була постійна втрата працездатності (інвалідність), то згодом були запроваджені пенсії за віком та за вислугу років. Значна кількість бажаючих отримати пенсії та складне фінансове становище соцстраху (від сплати внесків звільнялись державні підприємства) не дозволяли забезпечувати пенсіонерів за встановленими нормами. Розміри виплачених пенсій, здебільш, були мізерними і не давали змоги задовольняти елементарні потреби. Нерідко виплата пенсій замінювалась видачею продовольчих пайків. Окрім того влада намагалася періодично обмежувати коло забезпечуваних за рахунок законодавчого позбавлення пенсій «непролетарських» елементів та прискіпливої діяльності органів лікарняного контролю, які визначали ступінь втрати працездатності.

Legal principles of social insurance against an accident at work and an occupational disease

Problem setting. To address practical issues related to the reform of the social insurance system for accidents at workand occupational diseases in Ukraine, it is necessary to explore doctrinal provisions relating to the principles of socialsecurity law, as well as to analyze certain principles of social insurance against accidents at work and occupational diseasesand propose changes to the legislation to formulate certain principles. Target of research. The purpose of this article is to analyze the legal principles of social insurance against accidentsat work and occupational diseases and to develop changes to the legislation in terms of formulating certain principles ofthis institution.Analysis of recent researches and publications. Issues of principles of law in domestic legal science were consideredin scientific works on the general theory of law of such scientists as Yu. P. Bytyak, A. M. Kolodii, S. P. Porebnyak,P. M. Rabinovych, Yu. M. Todyka, M. V. Сvik and many others. Some aspects of the principles of social security law areconsidered in the scientific works of V. M. Andreev, B. I. Stashkiv, B. S. Stychinsky, S. M. Sivak, N. M. Stakhovskaya,S. M. Prilipko. The dissertation researches of T. Z. Garasimov “Principles of the law of social security”, and alsoO. V. Moskalenko “Principles of social insurance in modern conditions of management” deserves special attention. However,a comprehensive study of the principles of social insurance against accidents at work and occupational diseases hasnot been conducted. Article’s main body. The article is devoted to the study of the principles of legal regulation of compulsory statesocial insurance against accidents at work and occupational diseases. The notion of the principles of law is analyzed, inparticular, it is noted that the principles of law are the basic, guiding positions, ideas that express the essence of law as aspecific social regulator. It is emphasized that legal principles are divided into the inherent law as a whole (common law),its individual branches (sectoral) or a group of related industries (intersectoral), as well as the principles of individualinstitutions. The paper analyzes in detail some of the principles specified in Article 3 of the Law of Ukraine “On CompulsoryState Social Insurance”: the principle of legislative definition of the conditions and procedure for social insurance; compulsoryinsurance of persons in accordance with the types of social insurance and the possibility of voluntary insurancein cases provided by law; providing state guarantees for the realization of their rights by insured persons; formation anduse of insurance funds on the basis of solidarity and subsidies, etc. Conclusions and prospects for the development. Based on the analysis of the principles of social insurance againstaccidents at work and occupational diseases enshrined in the legislation, it is proposed to supplement this list with theprinciple of self-government, which stipulates that all members of the insurance system, ie insured and insurers, areequally responsible for insurance fund management.

Principle of parity of social insurance management funds as a guarantee for the implementation of the insured persons 'rights

Introduction. The relevance of the chosen topic is due to the necessity for scientific research in determining the level of implementation of the principle of parity management of social insurance funds, as well as the next stage of reforming the social insurance system and a departure from the principle of parity management of social insurance funds. The aim of the article is to make some proposals for the sustainable functioning of the principle of parity in the management of social insurance funds, which will contribute to guaranteeing the realization of the rights of the insured in the field of social insurance. Results. The National System of Social Insurance Principles was laid down in the Concept of Social Security for the Population. Among the general principles of social insurance in the Concept was highlighted the principle of autonomy of managing the activity of social insurance funds on the principles of social partnership and self-government under state control. Subsequently, undergoing certain transformations, but not changing the essence, this principle was changed to the principle of parity of management of social insurance funds. The analysis of the current legislation and law enforcement practice shows the implementation in practice of the principle of parity management of social insurance funds, which certainly promotes transparency, efficiency of functioning of the social insurance system and minimizes the cases of non-insurance compensation. At the same time, draft laws on the reform of social insurance in the direction of weakening the rights of social partners (employers and trade unions) in the management of funds do not promote the rights of the insured and nullify the international legal acts ratified by Ukraine. Conclusions. It is proved that the stability of the social insurance system depends on the proper implementation of all principles of social insurance, as well as on the development of the economy, stable political situation, conceptual development of legislation in the field of social insurance with the participation of social partnership parties. It is concluded that the principle of parity of management of social insurance funds ensures mutual responsibility of the parties of social partnership and promotes the effectiveness of the social insurance system.

ГАРМОНИЗАЦИЯ БОЛГАРСКОГО ТРУДОВОГО И СТРАХОВОГО ЗАКОНОДАТЕЛЬСТВА С ЕВРОПЕЙСКИМИ ПРИНЦИПАМИ (Harmonisation of Bulgarian Labour and Insurance Legislation With European Principles)

Bulgarian Abstract: В настоящей статье исследуется развитие и совершенствование нормативных законов в Болгарии в контексте общих европейских принципов в двух основных направлениях. С одной стороны, развитие системы болгарского трудового законодательства в направлении гармонизации с европейскими нормами, а с другой – соответствующие страховые принципы закона. Исследование приводят к формулированию конкретных выводов об актуальном состоянии нормативных законов в сфере страхования и труда, тенденциях развития, адекватности при реализации прав и необходимых направлений при изменении закона в продолжающихся процессах унификации и гармонизации. English Abstract: The present report researches the development and improvement of the normative regulation in Bulgaria in the context of the general European principles in two main directions. On the one hand, the systematic development of the Bulgarian labour legislation and its harmonization with the European norms, and, on the other hand, the corresponding social insurance principles. The research aims to make concrete conclusions about the current state of the normative regulation in the sphere of social insurance and labour, tendencies of development, adequacy of rights realization and direction for legislative amendments during the continuing process of harmonization.

Exit Bismarck, Enter Dualism? Assessing Contemporary German Labour Market Policy

AbstractBetween 2003 and 2005, German labour market policy was subjected to the most far-reaching reform since the 1960s. Some commentators have interpreted the changes introduced as signalling a departure from the traditional ‘Bismarckian’ paradigm in German social policy. For others, the new legislation has contributed and consolidated an ever-more pervasive trend of dualisation within the German welfare state. In this article, we contest both interpretations. First, we demonstrate that traditional social insurance principles remain a dominant element within unemployment protection. Second, we show that German labour market policy is less rather than more segmented today than it was a decade ago.

A Message To Friends Of Social Insurance: Wake Up!

Theodore Marmor and Jerry Mashaw effectively present the case for social insurance as a necessary component of capitalism. They understate the severity of the fiscal pressures to which Social Security and Medicare will be subject. Projected cost increases are too large to be met entirely by tax increases that the American public is likely to tolerate. Those who are devoted to social insurance need to design the changes, instead of leaving the job to opponents of principles of social insurance, who will take the financial problems as an excuse to scuttle Social Security and Medicare.

State Building as Sandwich Making

Wilbur Cohen (1913-1987) is a courageous choice for a biographer. Cohen was a career bureaucrat who adopted a professional style, as Edward D. Berkowitz describes it, of determined drabness (p. 264). Cohen deliberately shaped his bureaucratic life to be free of high political drama. His personal life, too, was free of colorful detail. He was only occasionally subject to political attacks, and there never was any hint of personal impropriety or corruption. Wilbur Cohen is also a difficult choice. To understand him and his career, the biographer has to have the perseverance and patience-almost as much as Cohen himself displayed-to track his subject through the complex, intricate webs of federal bureaucratic politics and the Sisyphean tasks, which extended over more than three decades, of drafting and redrafting memos, speeches, and legislative bills for superiors and political clients. We are very much in Edward Berkowitz's debt for his biography of Wilbur Cohen. Berkowitz has provided us with a fine perspective on the making of the welfare state in the twentieth century, and with the best biography we have had of a major architect of social insurance. Historians who wish to generalize about the effects and fate of New Deal liberalism need to reckon with Cohen's career, and with Berkowitz's book. Cohen's career in government is especially important to understand because it stretches from the Progressive Era through the Great Society. Cohen's career, as Berkowitz makes clear, demonstrates the powerful lines of continuity within the development of national social insurance between those two periods. The continuity was at once intellectual and political. The principles of social insurance pioneered by the Progressives-contributory benefits and universality of protection-had a decisive influence on the development of

Testing the Boundaries of Universality: What's Mean? What's Not?

This article explores the relationship between recent policy reforms, targeting proposals, and a universal Social Security program. It explores principles that inform Social Security, concluding that treating benefits as taxable income and raising the "normal" retirement age push at the boundaries of universality without violating the fundamental precepts of a social insurance program. Universal eligibility to Social Security is assessed as an essential feature of a public pension program and especially beneficial to low- and moderate-income populations. Introduction of a means test is assessed as potentially undermining political support for the program, the economic well-being of low-income elders, and retirement savings efforts. Greater targeting of benefits and financing is possible within the context of the existing Social Security program. Further targeting in Social Security and improvements in selective programs such as SSI do not contradict and may enhance a public retirement income strategy which is built upon social insurance principles.

Organizing the Health Insurance Market

This paper presents a new approach to organizing universal health insurance. First the government divides the entire population into many large groups. Then, the government creates a Federal Health Insurance System (HealthFed), modeled on the Federal Reserve System, to fill the role now played by the benefits office of a large firm. The HealthFed would create a short menu of alternatives, solicit bids for insuring the entire group, and price alternatives. There would be redistribution between groups and pricing of alterna- tives to reflect optimal social insurance principles. There would be no connection between health insurance and employment. IT MAY SEEM ODD that this Presidential Address is my first publication in health economics. At the time when I might have been working on an alternative address, I was chair of an Expert Panel for the Advisory Council on Social Security looking at issues in both retirement income and medical care.2 In the process of this work, I have come up with a new approach to organizing universal health insurance. That is the subject of this paper. Before starting on health insurance, I will say a few words about a wider context, offering what I will say as an example in that setting.3 A great deal of attention has been focused on the exciting issue of reorganizing economies dropping central planning. Commonly, economists from those countries em- brace capitalism, or more specifically laissez-faire competition, with an enthusi- asm which exceeds that ofwestern economists, although not necessarily western businessmen. Yet laissez-faire capitalism has received little serious support in the West for a very long time. We all know the fundamental welfare theorem which shows many ways that capitalism can be imperfect. We have also seen a growth in discussion and analysis of the many ways governments can mess up resource allocation. The real question is the design of arrangements that try to integrate the things that each type of institution does better. This is hard for two reasons. One is that it is in the realm of second best with many constraints. The more the constraints the harder the analysis. The second is that we do not have good positive theories of government behavior. Good examples yes, good theories no. Thus the analysis is more intuitive, less theory driven than in our picture of private markets. But also in our private market analyses we have been greatly complicating our picture, recognizing all sorts of information imperfec- tions that affect the way that private markets work. So, I will present to you a proposal for universal health insurance meant to combine something that

Practice notes from college

This paper investigates the current state of social policy and social work in Belgium: solved the social security system of the state; describes the basic objectives and principles of social insurance and social assistance payments. Established that social work in the country exists as a social institution and implemented by social workers; highlights key areas of social worker.

Seven Principles of Social Insurance

Seven Principles of Social Insurance