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dc.contributor.authorLassila, Jukkaen_US
dc.contributor.authorValkonen, Tarmoen_US
dc.date.accessioned2011-03-25T09:39:18Z-
dc.date.available2011-03-25T09:39:18Z-
dc.date.issued2009en_US
dc.identifier.urihttp://hdl.handle.net/10419/44537-
dc.description.abstractMoral hazard means that people with insurance may take greater risks because they know they do not bear the full consequences of their actions. This can occur with both private insurance and social insurance. Deductibles can be used to alleviate the problem. An interesting way to bring deductibles into social insurance is to establish individual social accounts. Mandatory payments into individual social accounts that finance social insurance payments replace taxes that are currently financing social-insurance benefits. At retirement, the remaining balances in the accounts are paid to account holders or added to their retirement benefits. If the account balance is negative at that time, the account is set to zero. The report considers individual unemployment accounts, including severance payments accounts and employment bonuses, and health and long-term care accounts.en_US
dc.language.isofinen_US
dc.publisherElinkeinoelämän Tutkimuslaitos Helsinkien_US
dc.relation.ispartofseriesETLA discussion paper 1181en_US
dc.subject.jelH53en_US
dc.subject.jelH55en_US
dc.subject.ddc330en_US
dc.subject.keywordSocial insuranceen_US
dc.subject.keywordmoral hazarden_US
dc.subject.keywordindividual social accountsen_US
dc.subject.stwSozialversicherungen_US
dc.subject.stwMoral Hazarden_US
dc.subject.stwSozialversicherungsfinanzierungen_US
dc.titleSosiaalitilit ja moraalikatoen_US
dc.typeWorking Paperen_US
dc.identifier.ppn594732123en_US
dc.rightshttp://www.econstor.eu/dspace/Nutzungsbedingungenen_US
Appears in Collections:ETLA Discussion Papers, Research Institute of the Finnish Economy

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