By Ingo Bode
This ebook examines the increase of welfare markets in Western societies and explores their functioning, law and embeddedness by means of addressing the actual box of previous age provision, together with either retirement provision and aged care. It is going past an insignificant social coverage research by means of investigating significant cultural underpinnings of the recent (quasi-)markets, with those underpinnings embracing collective normative representations of the way societies (should) institutionally deal with outdated age. The e-book appears to be like at even if pension and care platforms are converging less than the effect of globalization – with marketization being a key phenomenon – and to what quantity this is often making a transnational tradition of welfare markets. This publication, the 1st e-book to systematically describe and examine the phenomenon of welfare markets, elucidates the complicated cultural underpinnings of care and pensions structures in an period of marketization, arguing that we face a cultural fight over the best way overdue sleek societies conceptualize institutional old-age provision.
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Extra resources for The Culture of Welfare Markets: The International Recasting of Pension and Care (Routledge Advances in Sociology)
Private businesses are paramount here as well. 26 Altogether, there is great variation in this kind of home help provision across the country. The market game in the British elderly care system exhibits particular characteristics. 27 The funding agencies are often able to control the terms of trade and to keep prices down. In some fields, moreover, commissioning is subject to a government-led performance regime that urges purchasers to deliver value for money through a system of carrots and sticks (additional funding in case of success, sanctions in case of failures).
Last but not least, organizations concerned with public and user interests tend to gain new legitimacy. Traditional associations (pensioner groups, charities concerned with issues of old age, associations of welfare recipients) are led to address citizens in their role of consumers shopping around in welfare markets. They convey consumer interests and not just political claims. Consumer interests are also a point of reference for agencies that provide ratings of providers operating on these markets.
The prevailing formula is called Registered Retirement Saving Plans (RRSP). By 1995, for the first time in the history of the Canadian welfare mix, the capital invested in these plans surpassed the amount of money spent on occupational pension provision. Personal DC schemes became quite popular during the 1990s because the tax breaks granted to plan holders were considerable if compared to other mainstream saving vehicles. However, low-income earners often are excluded from these schemes as means-tested public pensions eat up most of their savings.