Background: The high levels of sickness absence and disability pensioning experienced during the 1990's and 2000's have become both socially as well as financially burdensome for society. Sickness absence implies a costly loss of production for society and large groups of individuals are risking to become marginalised on the labour market. Sickness absence is both a public health and an economic problem. Thus from both a human approach as well as from an economic perspective it is urgent to increase knowledge about what influences individual behaviour when it comes to sickness absence and return to work. Objectives: The overall aim of the thesis is to elucidate the decisive factors for explaining sickness absence. Three different aspects of sickness absence were considered, i.e. factors leading to sickness absence, factors preventing sickness absence and factors leading back to work ability and work when being sickness absent. This is done using a frame of reference involving broadly defined areas of work, health and social insurance related factors. Material and methods: Study I analyzes the outcome of unemployed sick-listed individuals. A total of 280 individuals from the county of Värmland were followed through register data between the years 2000 to 2001. Linear and logistic regression models were used to analyze the occurrence of short and long term economic incentives. Study II has a longitudinal design and explores determinants of return to work. Sick-listed individuals with a stress-related psychiatric diagnosis from the county of Värmland were analyzed over a period of three years (2000-2003) using logistic regression. The data comprised 911 individuals. Study III is a cross-sectional study using questionnaire data from the county of Värmland from year 2004. A total of 3123 persons either working or being self employed were analyzed on determinants of work presence through logistic regression. Study IV had a cross-sectional design and used questionnaire data from five counties in central Sweden. The data, from 2004, comprised 10536 individuals being employed, i.e. not self-employed, and with self reported physical and mental medical conditions. Logistic regression was mainly used in the analysis and the focus was on risk factors for long term sickness absence. Study V comprises cross-sectional data retrieved at three separate occasions between 1991 and 1994. It includes 8839 individuals from five counties in western Sweden with sickness absence spells over 60 days. The data was analysed through bi-variate probit regression with a focus on effects of vocational rehabilitation on return to work. Results: The results from study I were interpreted as that both short and long term economic incentives matter for the outcome of sickness absence through the interaction of different insurance systems. The principal findings from study II was that age, gender and factors implying less favourable health characteristics and thereby lower work capacity, reduce probabilities of returning to work after long term sickness absence. Considering study III determinants of work presence were found to vary between sexes and whether the determinants were counteracting long or short term sickness absence. Factors interpreted as job control counteracted short term absence. Sense of coherence was found to be an important determinant of work presence for women. In study IV long term sickness absence was found to be related to the level of ill-health. Moreover it was concluded that work environment factors as job strain, job satisfaction, physical work environment were important factors for explaining sickness absence in a population with impaired health. The results from study V indicated that vocational rehabilitation is a potentially effective instrument for improving the individual's work ability and chances of return to work. That no signs of prioritizing selection of rehabilitation participants to those likely to return to work with or without rehabilitation measures, i.e. "managerial creaming", were found was also considered as important results. Conclusions: This thesis shows that we need different models and approaches to improve knowledge about the various aspects of sickness absence as entry into absence, return to work or into disability retirement. It also has the implications that sickness absence behaviour can be influenced. Largely depending on what long term path is chosen for welfare policy at the political level it should be acknowledged that other means, improving working conditions and promoting rehabilitation rather than reducing benefit levels and narrowing the eligibility criteria for the insurance benefits are at hand.

The purpose of this thesis is an analysis of the issue of the public health insurance system in the Czech Republic as a system of funding of healthcare. In the beginning there is introduced a position of the health insurance system within the system of social security, definitions of terms and historical context of health insurance aspects in the Czech environment. Then the system of public health insurance is classified to models of funding of healthcare in the world and put into a contrast to other existing models of funding. A part of this thesis contains sources of law concerning this issue. There is an analysis of the issue of health insurance premium, the payers of the premium, the form and amount of the premium paid and the method of redistribution of the amounts collected. In another chapter there is presented the institutional background of the public health insurance system - the health insurance companies recently active in the Czech Republic, their role within the system, organizational structure and their economic activities. The main part of the thesis introduces the issue of health care, aspects of providing the health care, reimbursement of the health care to its providers and the position of these providers within the system. In the end there are described the effects on the health...

This thesis is aimed at learning selected aspects of the private health insurance system in OECD countries and its co-existence side by side with the public health insurance. Introductory chapters describe theoretic starting points and principles of functioning of the health insurance system in harmony with existing models of the healthcare policy. The analytical part of the thesis, using qualitative methods of investigation, deals with the development and the current state of the system of the health insurance in the Czech Republic from 1989 and characterizes briefly major problems being encountered and solved. Furthermore, the thesis maps trends of the health insurance in selected OECD countries, showing issues within the structure of healthcare system expenses in countries followed and their influence on the system of the health insurance. The thesis is also informing about present problems on the private health insurance market in OECD countries precisely as described in a study made by the Organization for Economic Co-operation and Development. The final chapter compares the mentioned health insurance systems from the point of view of co-payment and co-existence.

The thesis compares automobile insurance system in the Czech Republic with that of the province of Alberta, Canada. Automobile insurance system represents the framework consisting of third party liability coverage and first party coverages regardless of how many policies in total it is required to arrange. The first part of the thesis introduces the readers into automobile insurance system in the Czech Republic, the second part deals with the system being in existence in Alberta, Canada. The primary conclusion coming out of the thesis is the definition and explanation of the distinctions between the two systems, the consideration of implementing some components of the Canadian system into the Czech system (and conversely) is discussed afterwards.

El presente estudio tiene como objetivo determinar la relación entre el poder de mercado del sistema de seguros peruano y su participación de mercado, usando datos mensuales entre el 2010 y 2019. En primer lugar se construye el índice de Lerner como un indicador de poder de mercado no competitivo. En efecto, se estimó el costo marginal de cada aseguradora en su periodo de tiempo para poder conseguir el índice de Lerner de cada firma. De manera que se obtenga la relación entre poder mercado y participación, probando la relación a través del modelo de cournot para cada periodo de tiempo en análisis. Después, empleado los datos panel para las aseguradoras dentro del marco temporal en estudio. Se aplica tres modelos para la estimación de los determinantes hipotéticos del poder de mercado, mínimos cuadrados ordinarios corregidos (OLS-PCSE), RE y el sistema GMM. En este contexto, el poder de mercado del sector de seguros peruano fue explicado también por el tamaño, costo de eficiencia, concentración de mercado, apalancamiento y contratos de reaseguros, al igual que participación de mercado. Específicamente, se encontró que las aseguradoras especializadas, la participación y contratos de reaseguro influyen en un mayor poder de mercado y ejercer un alto poder de mercado con fijación de precios mientras que el tamaño no influye en gran medida para ejercer un mayor poder de mercado. / The present study aims to determine the relationship between the market power of the Peruvian insurance system and its market share, using monthly data between 2010 and 2019. First, the Lerner index is constructed as an indicator of non-competitive market power. In effect, the marginal cost of each insurer in its time period was estimated in order to obtain the Lerner index of each firm. In order to obtain the relationship between market power and market share, testing the relationship through the Cournot model for each time period under analysis. Then, using the panel data for the insurers within the time frame under study. Three models are applied to estimate the hypothetical determinants of market power, ordinary least squares corrected (OLS-PCSE), RE and the GMM system. In this context, the market power of the Peruvian insurance sector was also explained by size, cost efficiency, market concentration, leverage and reinsurance contracts, as well as market share. Specifically, it was found that specialized insurers, leverage and reinsurance contracts influence greater market power and exert high market power with pricing while size does not influence to a great extent to exert greater market power. / Trabajo de investigación

Made available in DSpace on 2016-04-26T20:20:06Z (GMT). No. of bitstreams: 1 Gizela Maria Bodi.pdf: 1032398 bytes, checksum: bd4ee49c317d436e6b6fac01c760a6b5 (MD5) Previous issue date: 2011-05-19 / This research has the scope of analyzing the informal work, very common in the current Brazilian scenario, into the current social insurance system, starting from the communicative conception of law. Indeed, the informality of employment relationship proves to be a major challenge for contemporary states, notably in the social insurance sphere, in which the exercise of paid work, by itself, is insufficient to the membership and to the consequent social protection of the members from this category. Considering that the informal work corresponds to the activity performed outside of the statutory rule, the chosen method of study was the logical and systematic examination, starting from the premise that the law is a system of communication, operationalized through verbal written language, as proposed by Paulo de Barros Carvalho. Thus, based on the idea of autopoiesis of law, in which law creates its own reality, separated and more restrictive than social reality, we seek to examine critically whether there is indeed dialogical interaction between the social insurance system and the social one, which echoes on the incidence of social insurance laws, especially the membership rule. Based on these premises, after examining the differential systems of low-income insured and the individual microentrepreneurs recent mechanisms of social insurance inclusion we will set out proposals to overcoming informality in the legal framework, considering not only a change on the evidence paradigm of gainful activity, but also an structural reformulation of the social insurance system, which is caused today on formal worker protection, based on the contingency risk of the activity. This circumstance leads also to reflection on the need of a new social pact in the country / A presente pesquisa tem por escopo a análise do trabalho informal, tão presente no cenário brasileiro atual, frente o sistema de previdência social em vigor, partindo-se da concepção comunicacional do Direito. Com efeito, a informalidade das relações de trabalho revela-se um dos principais desafios para os Estados Contemporâneos, notadamente na esfera previdenciária, em que o desempenho de atividade remunerada, por si só, é insuficiente à filiação e consequente proteção social dos integrantes dessa categoria. Considerando-se que o trabalho informal, em linhas gerais, corresponde à atividade desenvolvida à margem da regulamentação legal, foi eleito como método de estudo o exame lógico-sistemático do tema, partindo-se da premissa de que o Direito é um sistema comunicacional, somente se operacionalizando através da linguagem verbal escrita, tal como proposto por Paulo de Barros Carvalho. Assim, pautando-se na ideia de autopoiese do Direito, segundo a qual este cria a sua própria realidade, distinta e mais restrita que a social, busca-se analisar de forma crítica se há, efetivamente, interação dialógica entre os sistemas previdenciário e o social, o que repercute, em última análise, na incidência das normas jurídicas previdenciárias, especialmente a de filiação. Com base em tais premissas, após examinado o regime diferenciado dos segurados baixa renda e o especial dos microempreendedores individuais (MEI) - mecanismos recentes de inclusão previdenciária -, serão formuladas propostas de superação da informalidade, no âmbito jurídico, o que leva em conta não apenas a alteração dos meios de prova da atividade remunerada, mas também eventual reformulação estrutural do sistema de previdência social que, hoje, é voltado à proteção do trabalhador, com base no risco de contingência social da atividade desenvolvida. Tal circunstância leva, ainda, à reflexão sobre a necessidade de um novo pacto social no país

Research object: the system of state social insurance. Research aim: to evaluate the state social insurance system and forecast it’s prospects. Objectives: to present a general conception of the state social insurance system; to determine a dependency of different welfare state traditions and the state social insurance system; to determine administration and financing means of the entire system; to analyze the state social insurance system in Lithuania; to evaluate the trends of the state social insurance in Lithuania and implemented reform of the system; to foresee long-term and short-term perspectives of state social insurance system. Research methods: descriptive and graphical, data systemization methods, comparative analyses, logic analyses and syntheses, analysis of literature and practical experience of individual countries. Study of periodical literature by different authors as well as legislative base on the state social insurance system’s activity helped to determine problems of this system, methods of their solution, prepare forecasts of the state social insurance development.

Magistro studijų baigiamajame darbe išanalizuotos ir įvertintos Valstybinio socialinio draudimo fondo valdybos valdymo reformos, iškelta vienos iš jų tikslo – užtikrinti efektyvesnį socialinio draudimo fondo biudžeto lėšų ir žmogiškųjų išteklių naudojimą – įgyvendinimo problema bei pateiktos rekomendacijos Valstybinio socialinio draudimo fondo valdybai ir Lietuvos Respublikos socialinės apsaugos ir darbo ministerijai. Pirmoje darbo dalyje tiriami valstybinio socialinio draudimo valdymo teoriniai aspektai: apibrėžiama socialinio draudimo samprata ir reikšmė, apibūdinama valdymo sistema ir jos funkcijos, analizuojami valdymo problemoms įtakos turintys veiksniai. Antroje dalyje atliekamas Valstybinio socialinio draudimo fondo valdybos valdymo reformų vertinimas: analizuojami valdymo reformų tikslai, apibūdinami ir įvertinami valdymo reformų etapai ir aptariami valdymo reformų rezultatai, palyginant juos tarpusavyje bei pateikiant Valstybinio socialinio draudimo fondo valdybos valdymo reformų SSGG analizę. / There are analysed and evaluated management reforms of the State Social Insurance Fund Board (“Sodra”) in this master‘s thesis. Also it is raised the problem of management reforms purpose implementation which is to ensure a more efficient usage of Social Insurance fund budget assets and human recourses. Finally, recommendations for the State Social Insurance Fund Board and the Ministry of Social Security and Labour are presented. The first part explores State Social Insurance theoretical aspects of management. The concept and the meaning of social insurance are defined, the management system and it’s functions are described, also the factors affecting the management problems are analysed. In the second part the management reforms of the “Sodra” are evaluated analyzing aims, describing and evaluating stages and discussing results. The results are compared. A SWOT analysis of management reforms in the State Social Insurance Fund Board is presented as well.

The master’s final work is written in Lithuanian language, consists of 77 Pages, 23 Figures, 16 Tables, 54 References, and 11 Appendixes. KEY Words: health insurance, health insurance system, compulsory health insurance, additional (voluntary) health insurance, health insurance Fund, Compulsory Health Insurance Fund Budget, health insurance payments, financing of health attendance, health attendance costs, efficiency. Research object: health insurance system. Research subject: health insurance. Research aim: after analyzing the theoretical and practical aspects of health insurance, to evaluate health insurance system in Lithuania, to foresee its perspectives and to provide the proposals for development. Objectives: to show the theoretical aspects of health insurance, to evaluate health system in Lithuania according to the chosen criterion (financing model, incomes, costs), to foresee the perspectives of health system and to provide the proposals for development. Research methods: analysis and synthesis of literature, logical analysis and synthesis, filing, comparison, vertical and horizontal analysis, simple linear regression and correlation, forecast calculations, diagrammatical representation of data. Health insurance system in Lithuania was analyzed and evaluated as well as the proposals for it’s development were presented by using scientific literature of foreign and Lithuanian authors, legislation, chronicles of statistics and electronic information sources.