TAILIEUCHUNG - Introducing Unemployment Insurance to Developing Countries

It was during the Depression that hospitals band- ed together to offer prepaid coverage to citizens. Prepaid hospital coverage was a way for hospitals to avoid the financial failure that befell the banking industry. The approach worked so well that doctors followed suit a few years later and Blue Cross Blue Shield organizations were born. Little did anyone know that the seeds for runaway costs eighty years later had been planted. Prepaid, employer-provided insurance quickly dominated the health care landscape. Subsequent action by the federal government in the 1950s to pro- vide a tax deduction for health insurance premiums helped solidify the approach. To set the system in concrete, in the 1960s the federal. | I z A P O L I C Y P A P E R S E R I E S IZA Policy Paper No. 6 Introducing Unemployment Insurance to Developing Countries Milan Vodopivec April 2009 Forschungsinstitut zur Zukunft der Arbeit Institute for the Study of Labor Introducing Unemployment Insurance to Developing Countries Milan Vodopivec World Bank and IZA Policy Paper No. 6 April 2009 IZA . Box 7240 53072 Bonn Germany Phone 49-228-3894-0 Fax 49-228-3894-180 E-mail iza@ The IZA Policy Paper Series publishes work by IZA staff and network members with immediate relevance for policymakers. Any opinions and views on policy expressed are those of the author s and not necessarily those of IZA. The papers often represent preliminary work and are circulated to encourage discussion. Citation of such a paper should account for its provisional character. A revised version may be available directly from the corresponding author. IZA Policy Paper No. 6 April 2009 ABSTRACT Introducing Unemployment Insurance to Developing Countries The paper identifies key labor market and institutional differences between developed and developing countries analyzes how these differences affect the working of the standard OECD-style unemployment insurance UI program and derives a desirable design of unemployment benefit program in developing countries. It argues that these countries -faced by large informal sector weak administrative capacity large political risk and environment prone to corruption - should tailor the OECD-style UI program to suit their circumstances. To minimize employment disincentives to ensure affordability and to minimize administration cots such adaptations include i relying on self-insurance via unemployment insurance savings accounts - UISAs as a main source of financing and complementing it by solidarity funding ii simplifying monitoring of job-search behavior and labor market status and even eliminating personal monitoring of continuing eligibility requirements in the early phases iii keeping modest

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