The effects of means-tested benefits: supplementary benefits in Switzerland

As in many other countries, means tested benefits constitute an important part of the Swiss old age security system and disability insurance. In contrast to universal benefits, such targeted transfers are intended to only support the ones in need and thereby lead to low level of public expenses. How...

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Veröffentlicht in:	Perspektiven der Wirtschaftspolitik : PWP : eine Zeitschrift des Vereins für Socialpolitik 2012-08, Vol.13 (3), p.179-195
Hauptverfasser:	Bütler, Monika, Inderbitzin, Lukas, Schulz, Jonathan F, Staubli, Stefan
Format:	Artikel
Sprache:	ger
Schlagworte:	Annuities Benefits Disability insurance Disabled Insurance Old age Payment Retirement Social control Social psychology Social security Social welfare Switzerland Welfare state
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creator	Bütler, Monika Inderbitzin, Lukas Schulz, Jonathan F Staubli, Stefan
description	As in many other countries, means tested benefits constitute an important part of the Swiss old age security system and disability insurance. In contrast to universal benefits, such targeted transfers are intended to only support the ones in need and thereby lead to low level of public expenses. However, individuals face strong incentives at various stages in life to adapt their behavior in order to become eligible. Using the Swiss Ergänzungsleistungen as an example, we argue that means tested benefits increase the incentive to apply for disability benefits, raise the attractiveness of early retirement, and induce individuals to favor a lump sum payment over an annuity. Moreover, they decrease the incentive to purchase private long-term care insurance.
doi_str_mv	10.1111/j.1468-2516.2012.00384.x
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source	PAIS Index; De Gruyter journals
subjects	Annuities Benefits Disability insurance Disabled Insurance Old age Payment Retirement Social control Social psychology Social security Social welfare Switzerland Welfare state
title	The effects of means-tested benefits: supplementary benefits in Switzerland
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