Double Indemnity
Author: Yuri Smirnov . Topic: Support unexpected . Posted: 28.11.2009, 22:57.
This spring, I shared with the user "My Circle" Sergei Starodumova idea of insurance risk of job loss. Sergei then complained that this type of insurance in Russia is absent.
Last September in the UK Act came into force, which resolved in this country to conclude an insurance contract from a reduction of income. Insured offset the difference in income, if he was fired not by his own fault and had to settle for less paid work, not by profession, part-time, etc.
And in October this year Research Center Portal SuperJob.ru published the results of the survey 1,800 respondents from seven districts of Russia, who showed that three out of every five Russians are prepared to take advantage of insurance against dismissal. However, many respondents expressed concern that this service would be too expensive.
It is obvious that the law of Britain, sooner or later be adopted in Russia. There is a time to introduce into it a mechanism to reduce the cost of services and take into account the Russian specificity (inherent and other CIS countries).
The cost of the policy may be reduced if the insurance company will pay, for example, only half of the insurance money. Who will pay the second half? State. What is it for this reason? And that's what.
Russian officials often complain about the immobility of citizens and their unwillingness to learn, develop new skills, including "In reserve". This immobility actually going around not only in times of crisis like this. Along with the weak development of small and medium businesses, it hinders structural reforms: the state is compelled to support "payer" bankrupt enterprise, the products have long been useless. Why not encourage the mobility of citizens?
First, the state must make public its priorities for structural reform and innovation. In light of these priorities will form the list of centers of professional education courses and programs, of which every citizen will be able to choose programs according to his personal plans, inclinations, demands of regional labor market. After the program he will receive a certificate at the hands of a special sample.
For the holder of the certificate insurance premiums for insurance policies risk of job loss (income) within a specified period reduced by a percentage. It is essential that insurers learn more and develop more "reserved" occupations.
The company, dismiss the employee with such policies and certificates shall be exempt from the obligation to pay severance pay. Then the company will be more interested in the fact that their employees acquire new skills and contracts for insurance against loss of work. And will boldly optimize its personnel structure.
Insurance Company and on shares paid by the State dismissed severance pay. And after he got a new job - to pay the difference between the old and the new wage. Thus, insurers will be interested to find a new job faster, including - In other regions.
Federal Center allocates money to the regions to implement the program. Funds not spent during the year, remain in the region and can be used at next year's small business development. In theory, a stimulus to local authorities to take care of the socio-economic stability in the region. However, even these details they think the State Duma and the developers of anti-corruption mechanisms. 
Summarize. The proposed scheme:
- enhance social protection of workers, pushing them to acquire new professions; actively seek their place in the labor market;
- show employers plus "non-core" professional education of employees;
- allow insurance companies to reduce the cost of this socially important services;
- promotes more effective management of human resources at the regional and federal levels.
This mechanism for the redistribution of labor resources will increase the efficiency of the economy, improve its mobility and adaptability, not only in times of crisis, but also in the "peaceful" time.
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