Emerging trends in the South African financial merchanisms of disability protection

Botha, Marius (2009-12)

Thesis (MPhil)--Stellenbosch University, 2009.

Thesis

ENGLISH ABSTRACT: The objective of this study is to provide an overview of the South African financial mechanisms of protection available to people with disabilities, and to project possible future trends in providing these levels of cover. Alternative future scenarios that could pan out over the long-term are sketched to help understand the various external factors that could have an impact on disability risk protection in South Africa. The main classifications of the various benefits are split into social assistance and social insurance measures. The future landscape for each is explored by reviewing the associated social security and private insurance reforms currently envisaged. A key expected driver of private insurance reform is the introduction of a formal contributory system of social security in South Africa. The provision of disability cover in such a system is reviewed separately through proposals for a new mandatory system of retirement and risk benefit management in the country. Recommendations for a more coherent framework amongst the various mechanisms of disability protection and their designs are made. This is done within the context of the social model of disability that has developed in recent years.

AFRIKAANSE OPSOMMING: Hierdie verslag gee ‘n oorsig van die Suid-Afrikaanse finansiële beskermings meganismes wat beskikbaar is vir mense met gestremdhede. Dit lig veral moontlike tendense vir die toekoms van sulke vorme van ongeskiktheids-dekking uit deur sekere vooruitskattings te maak. Daar is verskeie maniere waarop hierdie, en moontlik nuwe, meganismes kan ontwikkel met tyd. Dit is belangrik om te verstaan hoe sekere omgewingsfaktore ‘n rol speel in die bestuur van ongeskiktheids risiko’s. Die verslag klassifiseer die meganismes in twee kategorieë, staatstoelae en privaat versekerings-voordele. Ondersoek word ingestel na die toekomstige ontwikkeling van hierdie voordele deur huidige hervormings te oorweeg. Een van hierdie hervormings wat tot grootskaalse verandering kan lei is die inwerkingstelling van ’n nasionale pensionfonds waartoe alle Suid-Afrikaners verpligte bydraes sal maak. Die meriete van die verskaffing van ’n ongeskiktheidsvoordeel deur so ’n fonds word onder andere ondersoek. Voorstelle vir ‘n beter samehangende raamwerk waarbinne die reeks voordele verskaf kan word, word ook gemaak. Die algemene tendens vir ’n meer sosiale inslag in die ontleding van gestremdheid gee ’n bepaalde konteks aan die debat.

Please refer to this item in SUNScholar by using the following persistent URL: http://hdl.handle.net/10019.1/18177
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