Pregledni rad
PROBLEMS OF PENSION AND DISABILITY INSURANCE COVERAGE IN BOSNIA AND HERZEGOVINA
Nikolina Obradović
orcid.org/0000-0003-3301-0988
; Filozofski fakultet Sveučilišta u Mostaru
Sažetak
Low level of pension and disability insurance coverage in Bosnia and
Herzegovina is one of the crucial issues related to sustainability of the
systems. The immediate consequence of low level coverage is loss of contribution
revenue which triggers all the negative consequences of unfavorable
ratio of contributors towards pensioners. Moreover, low coverage
is one of the major indicators of social exclusion of a large number of
elderly people in the future and social exclusion of working population
at present. The World Bank experts claim that countries with low level of
gross domestic product per capita have low level of pension insurance coverage
and vice versa. This theory is tested and confirmed by correlation
analysis of pension system coverage rate and gross domestic product per
capita in Bosnia and Herzegovina for period from 1970 to 1990. Estimate
and analysis of coverage for the post war period was done on the basis
of pension system data and Labor Market Survey population estimate.
Low level of pension system coverage in Bosnia and Herzegovina is conditioned
upon low level of economic activity which is reflected in low level
of registered employment, large scale of unregistered work and common
custom of declaring lower salary for the purpose of paying less taxes and
social contributions. Negative effects for the pension and disability insurance
systems are multiple and long term.
Ključne riječi
pension system coverage; obligatory PAYG pension and disability insurance system; contribution evasion
Hrčak ID:
229856
URI
Datum izdavanja:
7.12.2011.
Posjeta: 587 *