Disability Insurance

“Under most social security programmes, disability benefits for persons assessed as permanently disabled as the result of non-work-related causes are very similar to those provided for old age. In one sense, the disability benefit may be regarded as an early retirement pension, granted in prescribed circumstances. In most countries, legislation is framed accordingly. The same basic formula usually applies for total disability as for old age – a cash amount usually expressed as a percentage of...

Disasters and Crisis

"A disaster is a sudden, calamitous event that seriously disrupts the functioning of a community or society and causes human, material, and economic or environmental losses that exceed the community’s or society’s ability to cope using its own resources. Though often caused by nature, disasters can have human origins. A disaster occurs when a hazard impacts on vulnerable people. The combination of hazards, vulnerability and inability to reduce the potential negative consequences of risk results...