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This book analyzes the major influences shaping the Canadian welfare state. A central trend in Canadian social security over most of the twentieth century has been a shift from a 'residual' to an 'institutional' concept. The residual approach, which dominated until the Second World War, posited that the causes of poverty and joblessness were to be found within individuals and were best remedied by personal initiative and reliance on the private market. However, the dramatic changes brought about by the Great Depression and the Second World War resulted in the rise of an institutional approach to social security. Poverty and joblessness began to be viewed as the results of systemic failure, and the public began to demand that governments take action to establish front-rank institutions guaranteeing a level of protection against the common risks to livelihood. Thus, the foundations of the Canadian welfare state were established. The Emergence of Social Security in Canada is both an important historical resource and an engrossing tale in its own right, and it will be of great interest to anyone concerned about Canadian social policy.
From the Pension Research Council of the Wharton School, this book explores the diversity of governmental pension plans and investigates how these financial institutions must change in years to come.
The 2019 edition of Pensions at a Glance highlights the pension reforms undertaken by OECD countries over the last two years. Moreover, two special chapters focus on non-standard work and pensions in OECD countries, take stock of different approaches to organising pensions for non-standard workers in the OECD, discuss why non-standard work raises pension issues and suggest how pension settings could be improved.
Why did the United States lag behind Germany, Britain, and Sweden in adopting a national plan for the elderly? When the Social Security Act was finally enacted in 1935, why did it depend on a class-based double standard? Why is old age welfare in the United States still less comprehensive than its European counterparts? In this sophisticated analytical chronicle of one hundred years of American welfare history, Jill Quadagno explores the curious birth of old age assistance in the United States. Grounded in historical research and informed by social science theory, the study reveals how public assistance grew from colonial-era poor laws, locally financed and administered, into a massive federal bureaucracy.
Aging of the population is probably one of the most discussed and debated subjects in Canada today.
Bruce Little explains the CPP overhaul and shows why it stands as one of Canada's most significant public policy success stories, in part because it demanded an almost unparalleled degree of federal-provincial co-operation.
The 2021 edition of Pensions at a Glance highlights the pension reforms undertaken by OECD countries over the past two years. Moreover, the special chapter focuses on automatic adjustment mechanisms in pensions systems in OECD countries, discusses the usefulness and limitations of these policy instruments, and suggests ways to improve them in order to enhance the capacity of pension systems to fulfil their objectives.
Guarantee your retirement income with a DIY pension Pensionize Your Nest Egg describes how adding the new approach of "product allocation" to the tried-and-true asset allocation approach can help protect you from the risk of outliving your savings, while maximizing your income in retirement. This book demonstrates that it isn't the investor with the most money who necessarily has the best retirement income plan. Instead, it's the investor who owns the right type of investment and insurance products, and uses product allocation to allocate the right amounts, at the right time, to each product category. This revised second edition is expanded to include investors throughout the English-speaking world and updated to reflect current economic realities. Readers will learn how to distinguish between the various types of retirement income products available today, including life annuities and variable annuities with living income benefits, and how to evaluate the features that are most important to meet their personal retirement goals. Evaluate the impacts of longevity, inflation, and sequence of returns risk on your retirement income portfolio Make sense of the bewildering array of today's retirement income products Measure and maximize your Retirement Sustainability Quotient Learn how your product allocation choices can help maximize current income or financial legacy — and how to select the approach that's right for you Walk through detailed case studies to explore how to pensionize your nest egg using the new product allocation approach Whether you do it yourself or work with a financial advisor, Pensionize Your Nest Egg gives you a step-by-step plan to create a guaranteed retirement income for life.