Thesis (MA)--Stellenbosch University, 2001. / ENGLISH ABSTRACT: This thesis focuses on the extent to which the South African social security system
succeeds in providing protection in the vulnerable periods of the life-cycle and against
the major contingencies of unemployment, disability and disease. Through a detailed
examination of the different social insurance and assistance programmes, it isolates
which particular population segments (by occupation, income quintile and race group)
"fall through the cracks" in the provision of income security. It does not look only at the
articulation between different social insurance and social assistance programmes, but also
acknowledges how social security complements other governmental interventions, such
as social services, and non-state sources of income security, such as those provided by the
private insurance market and the family and community.
Part One of the thesis is devoted to an examination of social insurance in South Africa, in
other words, to those programmes that seek to compensate for a loss of income in the
event of particular contingencies and that are funded by contributions from employers
and employees. In addition, theoretical perspectives on social security, and social
insurance in particular, are provided, with a discussion of the various economic
arguments in favour of and against the provision of social security.
Part Two of the thesis examines the range of non-contributory social assistance - cash
benefits paid form general revenue - that are available to South Africans who qualify in
terms of the means tests. Each chapter provides an analysis of the extent to which the
social assistance programme under analysis provides a safety net for the relevant category of vulnerable people. It does this by examining the appropriateness of the programme
structure, take-up rates and the fiscal sustainability of the programmes. In addition, the
budgetary process by which revenue is allocated to social assistance programmes and
expenditure trends are examined.
The thesis concludes that although the South African social security system has achieved
a fairly advanced level of development and covers a fairly wide range of risks, there are a
number of constraints facing its further expansion. Social insurance schemes provide
generous benefits, but their membership is restricted to the employed. Expanding
coverage by social insurance would require substantial growth in remunerative
employment which, given prevailing labour market conditions, seems unlikely. The
provision of more generous social assistance programmes catering for a broader range of
contingencies is severely curtailed by already high fiscal expenditure on welfare and
macroeconomic constraints. Moreover, changing demography, household structures and
dependency burdens, especially as the HIV/AIDS epidemic spreads, seem likely to
increase demands on social assistance programmes. Consequently, until employment can
be expanded so that more people can contribute to their own income security, the
informal social security provided by the family and/or community will remain the first
line of support for many. / AFRIKAANSE OPSOMMING: In hierdie tesis word gefokus op die mate waartoe die Suid-Afrikaanse
bestaansbeveiligingstelsel daarin slaag om ondersteuning tydens kwesbare periodes in die
lewensiklus en beskerming teen groot gebeurlikhede soos werkloosheid, ongeskiktheid of
langdurige siekte te bied. Daardie bevolkingsegmente (volgens beroep, inkomstegroep of
ras) wat nie volledig toegang tot inkomstesekuriteit het nie, word uitgesonder deur 'n
gedetaileerde ondersoek van die verskillende maatskaplike versekerings- en
bystandsprogramme. Daar word ook gekyk na die artikulasie tussen die verskillende
programme sowel as na hoe ander regeringsintervensies (bv. verskaffing van
maatskaplike dienste) en private bronne van inkomstesekuriteit - verskaf deur die privaat
versekeringsmark, die gemeenskap en die familie - deur maatskaplike bystand aangevul
word.
Deel Een word gewyaan 'n ondersoek van maatskaplike versekering in Suid-Afrika -
daardie programme wat vir inkomsteverlies weens spesifieke gebeurlikhede probeer
kompenseer en wat tipies deur bydraes van werkgewers en werknemers befonds word.
Teoretiese perspektiewe op bestaansbeveiliging in die algemeen en maatskaplike
versekering in besonder word ook verskaf en argumente vir en teen die verskaffing van
bestaansbeveiliging word bespreek. Deel Twee ondersoek die reeks nie-bydraende bestaansbeveiligingsprogramme wat uit
algemene owerheidsinkomste befonds word, asook bestedingstendense in maatskaplike
bystand.
Die tesis kom tot die gevolgtrekking dat, alhoewel Suid-Afrikaanse bestaansbeveiliging
'n redelik gevorderde vlak van ontwikkeling bereik het en 'n wye reeks risiko's dek, daar
'n aantal beperkinge op verdere uitbreiding is. Maatskaplike versekeringskemas bied
uitgebreide voordele, maar lidmaatskap is tot indiensgeneemdes beperk. Uitbreiding van
dekking vereis beduidende groei in formele indiensneming, wat onwaarskynlik lyk,
gegewe huidige arbeidsmarktendense. Die verskaffing van gunstiger maatskaplike
bystandsprogramme gemik op meer gebeurlikhede word ernstig deur reeds hoë fiskale
uitgawes op welsyn en deur makroekonomiese oorweginge beperk. Verder sal
veranderende demografiese strukture, huishoudingstrukture en afhanklikheidslaste, veral
teen die agtergrond van die toename in HIVNIGS, aansprake op maatskaplike
bystandsprogramme vergroot. Gevolglik sal die informele inkomstesekuriteit gebied deur
die familie en/of gemeenskap die eerste of enigste ondersteuning vir groot dele van die
bevolking bly, totdat indiensneming genoeg uitgebrei kan word sodat meer mense tot hul
eie inkomstesekuriteit kan bydra.
| Identifer | oai:union.ndltd.org:netd.ac.za/oai:union.ndltd.org:sun/oai:scholar.sun.ac.za:10019.1/52269 |
| Date | 03 1900 |
| Creators | Bredenkamp, Caryn |
| Contributors | Van der Berg, S., Stellenbosch University. Faculty of Economic and Management Sciences. Dept. of Economics. |
| Publisher | Stellenbosch : Stellenbosch University |
| Source Sets | South African National ETD Portal |
| Language | en_ZA |
| Detected Language | English |
| Type | Thesis |
| Format | 277 leaves |
| Rights | Stellenbosch University |
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