Key concepts

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Social protection schemes aim at ensuring that individuals covered by such schemes enjoy a minimum standard of living. Social protection schemes can be broadly divided into official (government and large organizations) and informal (arrangements made in the community or family).

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Official schemes

Official social assistance programmes may be aimed at poor and vulnerable people in general through poverty alleviation or reduction schemes, or specifically at people with disabilities.

Programme types include:

  • Poverty alleviation and poverty reduction schemes Examples of poverty alleviation and poverty reduction schemes, which are often run by governments or large organizations, are food support, low-cost housing assistance and conditional cash transfer schemes
  • Social assistance schemes Social assistance schemes are basic relief given to those who cannot earn a living in the open market. They include unemployment assistance, disability benefits, and pensions
  • Employee and worker compensation schemes These schemes may be available for employees who acquire a disability as a result of an accident at work or a work-related illness. These are often funded through compulsory social insurance.

Learn about India’s “People with Disabilities Act” and how it is benefiting individuals with disabilities.

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CBR
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Action

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The Association d’Entraide des Femmes (ASSEF) ) is a microfinance cooperative in Benin to provide services to low-income women in the capital and its surrounding areas.

Its health microinsurance has benefits for patients which can be accessed at contracted health-care providers, with a co-payment required for all services.

Informal schemes

Many people rely on informal solutions to survive the loss of work, illness, disability and old age. These informal solutions include:

  • Individual or family support In many places the family is the primary means of support throughout life.
  • Community support groups or associationsCharitable groups, religious and community-based organizations may give either occasional or systematic help to vulnerable people, including people with disabilities. They may assist with the purchase of wheelchairs and other assistive devices, and are potential allies and useful resources for CBR.
  • Self-help groups Self-help groups set up to save money and provide other types of mutual support are an effective form of social protection available to people with disabilities in communities.
  • Micro insurance schemes In the absence of official social security schemes, many communities in have organized microinsurance schemes to cater to their need for security and access to social services and to manage risks. These voluntary schemes can be organized by trade unions, municipalities, private insurance companies, microfinance institutions, health service providers.

Learn how health microinsurance is being provided to low-income women in Benin.

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CBR
in
Action

cbr-placeholder

The Association d’Entraide des Femmes (ASSEF) ) is a microfinance cooperative in Benin to provide services to low-income women in the capital and its surrounding areas.

Its health microinsurance has benefits for patients which can be accessed at contracted health-care providers, with a co-payment required for all services.

Challenges of providing social protection

Whatever form of social protection is considered, controversial issues remain such as:

  • Who should be protected and how?
  • Who is disabled?
  • Who should be eligible to receive special social protection?
  • What is the difference between rights and charity in this context?
  • Is social protection compatible with the ideal of non-dependency?

CBR has a responsibility to engage with these issues and influence outcomes. Along with DPOs, CBR needs to act as catalysts, informant and advocates.