Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/44537 
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dc.contributor.authorLassila, Jukkaen
dc.contributor.authorValkonen, Tarmoen
dc.date.accessioned2011-03-25T09:39:18Z-
dc.date.available2011-03-25T09:39:18Z-
dc.date.issued2009-
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
dc.language.isofinen
dc.publisher|aThe Research Institute of the Finnish Economy (ETLA) |cHelsinkien
dc.relation.ispartofseries|aETLA Discussion Papers |x1181en
dc.subject.jelH53en
dc.subject.jelH55en
dc.subject.ddc330en
dc.subject.keywordSocial insuranceen
dc.subject.keywordmoral hazarden
dc.subject.keywordindividual social accountsen
dc.subject.stwSozialversicherungen
dc.subject.stwMoral Hazarden
dc.subject.stwSozialversicherungsfinanzierungen
dc.titleSosiaalitilit ja moraalikato-
dc.typeWorking Paperen
dc.identifier.ppn594732123en
dc.rightshttp://www.econstor.eu/dspace/Nutzungsbedingungenen
dc.identifier.repecRePEc:rif:dpaper:1181en

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