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Module 6: Quantifying gaps and measuring coverage
ILO, 2013
Key questions• What questions should be asked about the overall social
protection system?• What are the multiple dimensions of coverage?• How to measure legal coverage?• How to measure effective coverage?
Questions on mapping the overall system
Main questions Sources and tools Coverage:
Who is covered? (segregated by gender, age groups, poverty level, formal/informal employment, other vulnerable groups)
Which contingencies are covered and what is the benefit level?
What is the impact (potential/actual) of the benefits?
Spending and financing: What are the financing sources? How much does it cost to operate
the scheme?
• How to? Identify schemes and benefits
provided (categorization of data) Find data on actual benefit
amounts, coverage, spending and financing sources
• Data sources: administrative data from social security schemes (primary source) complemented by survey data on coverage, impact
• Tool: ILO social security inquiry database
Main questions about coverage gaps and needs
Sources and key factors to consider
• Who is not currently covered, but in need of coverage?
• What needs do they have?• What risks are they exposed to?• What are the options for extending
coverage?• What is their employment situation?• How can they contribute?• What is the potential cost of
extending coverage?
• Sources include household income and expenditure surveys, labour force surveys to identify people not covered or insufficiently covered
• Identification of groups with different needs or features, requiring different options for extending coverage
• Key factors to consider include age, area of residence, labour market structure, ability to work, employment status, capacity to contribute, poverty status
Questions on coverage gaps and needs
Multiple dimensions of coverage
Coverage
Level of legal coverage
Level of effective coverage
Persons protected or ‘potential’ beneficiaries
Actual beneficiaries
Mainly statutory
Statutory vs. effective
Number and type of schemes covered by law
Extent of legal coverage
Extent of effective coverage
Persons legally protected or ‘potential’ beneficiaries (by law)
Average (effective) benefit amount
Benefit level stated in the law
Multiple dimensions
Scope
Extent
Level
Multiple dimensions of coverageFor a particular social benefit, coverage is a multidimensional concept with at least three elements:Mainly statutory information Scope: number and type of social security branches /
functions to which the population has access (by law)Both statutory and effective Extent: percentage of persons covered within the whole
population or the target group [legal and effective] Level: adequacy of coverage by a particular social protection
benefit, measured by the level of cash benefits (absolute or relative to benchmarks such as previous income, average income, poverty line) [legal and effective]
Multiple dimensions of coverage
Extent of legal coverage for a particular social protection benefit
=
Estimated number of people covered by law
as appropriateTotal employed persons / EAP / total population
Measuring effective coverage
Measuring social protection coverage and resulting coverage gaps should follow a set of principles:
Principle 1 Coverage indicators by social security branch
Coverage is to be measured separately for each risk or social security benefit e.g. separate coverage indicators for health care, old age, unemployment
People may have access to one benefit, but not to all others
Measuring effective coverage
Principle 2 Coverage of schemes for specific benefits can be understood in two ways: “potential” coverage and actual coverage
These two concepts are complementary to each other and should be assessed separately
“Potential” coverage: represents people protected against a risk if needed, e.g. members of a social insurance
scheme (not necessarily benefiting yet)=
Active contributors / total insured persons / people satisfying the criteria for a non-contributory benefit
Reference population, e.g. total employed persons / EAP / total population / other target groups
Measuring effective coverage
Actual coverage: represents those people actually receiving benefits at a certain point in time
=Persons who actually receive the benefit (for a given
contingency)
Reference population: target population for a particular social security contingency, e.g. elderly people above 60
years of age for old-age pensions
Measuring effective coverage
Measuring effective coverage
Principle 3 Double counting of beneficiaries can occur when an individual is covered and eligible for several benefits, which are provided by the same or different schemes (example: basic and supplementary old-age pension)Solutions: Distinction should be made between basic and supplementary
benefits, and people benefiting from supplementary or top-up benefits, in addition to the basic scheme, should not be counted
Calculating coverage separately for each contingency / branch With household survey data, individuals are considered as
reference units, which allows identification of people receiving multiple benefits
Measuring effective coverage
Principle 4 Choice of parameters like reference population, e.g. ideally, no. of pensioners should be compared with people above the statutory pensionable age
Factors to be considered: Trade-off between national circumstances (and relevance of the
indicator at the national level) and cross-national comparability Availability and accuracy of detailed information Other factors such as existence of multiple statutory pensionable
ages, early retirement