Just deserts? ‘Privatisation’ and the history of deservingness in Australia's retirement incomes system

Over the last few decades, changes in Australia's retirement incomes policy, including the introduction of compulsory superannuation, have seen governments encourage individuals to provide for their own old age from private means. This process has been described as ‘privatisation’ of retirement incomes. However, beyond the ‘privatisation’ thesis, there has been little critical examination of what these changes have meant for the nature and relative importance of the different principles underpinning Australia's retirement incomes system. This paper aims to provide such an examination. Drawing on the principles of deservingness and need, the paper provides an historical analysis of the development of Australia's retirement incomes system, tracing how these two principles underpinned the first age pension and subsequently contributed to the emergence of compulsory superannuation. This approach provides a deeper understanding of how contemporary policy changes have altered the structure of Australia's retirement incomes system, arguing that there are important historical continuities as well as changes. It argues that the phrase ‘state‐supported private saving’, rather than ‘privatisation’, captures the nature of this contemporary reform process.     

Does higher voter turnout among the poor lead to more equal policy representation?

The belief that elected officials are most responsive to the opinions of the wealthiest members of society is often assumed but has only recently begun to be tested. This paper examines a common explanation for why this disparity in political representation occurs: wealthy citizens vote at much higher rates than citizens with low incomes. Utilizing variation across states in voter turnout levels among the rich and poor, there is little evidence that increased voting among citizens with low incomes improves representation of their political opinions in the Senate. These findings cast doubt on the proposition that increased voter turnout among the poor is an avenue for promoting greater political equality in the United States.     

Professionals Assessing Clients' Needs and Eligibility for Electric Scooters in the Netherlands: Both Gatekeepers and Clients' Advocates

Independence and maintaining social contact are important factorsof elderly persons’ quality of life. An electric scootermay support people with mobility problems to achieve these goals.In the Netherlands, needs assessors have been appointed to evaluateclients’ eligibility for electric scooters. They haveto cope with a twofold job assignment: allocating services toonly those clients who are eligible according to predeterminedcriteria, but also acting in their client’s best interest,for the system of needs assessment should be client oriented.This paper examines how needs assessors apply eligibility criteriaand act in the client’s interest at the same time. A qualitativestudy was performed, observing twelve house calls of clientsrequesting an electric scooter. Interviews were held with needsassessors and a document analysis was made. We found that needsassessors used their discretionary room to create their ownpolicy regarding who deserves an electric scooter and who doesnot. They did this by concealing or emphasizing certain information.Especially when needs assessors sympathized with their clients,they did their best to sustain the case. The paper concludeswith the suggestion that needs assessors would benefit fromdiscussing their personal values, not only to agree on theirnorms as a professional group but also to avoid illegitimatearguments influence the decision. Furthermore, needs assessorshould try to influence local social policy, gearing it towardsthe needs of the local community.     

Developments in East Asian Welfare Studies

This essay in introduction is to the field of study, rather than to the present, itself distinguished, collection of papers. As such, it opens with a series of ‘flashbacks’: to the ways in which social policy, and the study of social policy, developed out of the interaction between Western welfare states (in this case Britain) and Asia Pacific. The main body of the article then charts the increasing presence of East Asian modes of welfare within comparative social policy, before going on to distinguish between the different types of approach to East Asian welfare study which have so far been adopted. Two sets of three‐part criteria have been adopted for the purposes of classification: focusing first on the dimensions (single case studies of specific countries; East Asia as a region; East Asia in comparison with other parts of the world) and second on the level of issues (matters of policy; of welfare system; of welfare regime) characteristic of each study in question. The article concludes with a restatement of its purpose: not to question the adequacy of hitherto Western (notably, Esping‐Andersen) approaches to the study of welfare regimes, but to demonstrate the need for a substantive extension to their scope.     

‘Between heaven and hell’: Subjective well‐being of asylum seekers

Nearly 1.4 million asylum seekers arrived in Europe in 2015. With an unprecedented 822% increase in the number of asylum applicants, Finland experienced the largest increase in applicants than any other European country that year. In this study, we investigated asylum seekers’ experienced subjective well‐being (ExSWB) construct in comparison with their evaluated subjective well‐being (EvSWB) construct. A mixed methods approach with convergent design was adopted for the study, which combined quantitative data on asylum seekers’ (n = 181) ExSWB and EvSWB with qualitative data on the elements of ExSWB and EvSWB. The findings point at a limbus phase in asylum seekers’ livelihood transition between the borders for international protection in Finland. The Cantril self‐anchoring striving scale was used by the participants to describe this passage ritual of ambiguity. Furthermore, we also found gender differences related to coping and subjective well‐being, which supports previous findings on asylum seekers’ well‐being. Key Practitioner Message: ? The concept of the limbus phase of the asylum seeker livelihood transition is useful for describing asylum seekers’ experiences while waiting for an asylum decision; ? Asylum seeker SWB is closely related to status dissonance, separation and capitals, causing anxiety, worry and fear, and inflicting cognitive disruption; ? Equal, institutional‐level functions should be organised in the reception centre for easing the anxiety related to the asylum‐seeking process.     

Exploring the role of fringe lenders in the lives of Queenslanders

The fringe lending sector in Australia has experienced considerable growth over the last decade. However, very little is known about the profile of the typical borrower or the typical lender – though much is assumed about the morality and motivation of both. Drawing upon findings from a pilot study conducted in Queensland during 2008–2009, we discuss the changing landscape of fringe lending in Australia before exploring how borrowers and lenders construct their respective motivations and actions. We conclude that the use of fringe lenders by low‐income Australians provides useful insights into the growth of fringe lending in Australia and the limitations of policy responses that are trapped in the regulation versus non‐regulation debate. We suggest that a more appropriate response must also consider the wider context of insufficient incomes to meet increased living costs. The policy debate needs to ensure that it acknowledges the complex demand and supply reasons for increasing demand for short term credit. The debate also needs to recognise that, in the absence of alternatives, fringe lending products will remain a prominent aspect of the financial management strategies of Australians living on low incomes.     

开辟共产党人为官理念的新视野

"人品即官品,做官即为民",是一个非常重要的科学命题,也是共产党人为官理念的最根本的价值取向。认真研究和探讨这一科学命题,开辟共产党人为官理念的新视野,对于当前贯彻落实党的十七大精神,加强干部队伍建设,树立正确的科学的为官理念,提高干部思想道德水平和执政能力,促进社会主义和谐社会建设,有着十分重要的意义。     

Exploring Neglected Dimensions of Social Policy: The SDW, Fiscal Welfare and the Exemplar of Local Taxation in England

Titmuss's Social Division of Welfare (SDW) thesis is a vitally important but much neglected element of social policy analysis. This article seeks to explore the SDW, with a particular focus on fiscal welfare. Fiscal welfare has been described as forming a hidden welfare state, and while taxation is one of the main ways in which governments affect the lives of citizens, studies of welfare pay remarkably little attention to its impact. Fiscal welfare is examined by using, as an exemplar, local taxation in England, a subject that itself is neglected within social policy. Local taxation in England is of interest because it illustrates the impact of a system of taxation on different groups of citizens, and how this can operate to the benefit of rich over poor citizens. This is because the current system is highly regressive, meaning that those on low and middle incomes spend proportionately more of their income paying the tax than do those on high incomes. What is of further interest is how within the debate about reform of local taxation, concern with regressivity becomes obscured and ceases to be the focus of attention. We are thus provided with an example of how fiscal welfare remains a hidden issue. The article concludes by arguing that social policy analysis needs to move beyond the narrow confines of social welfare and develop a broader understanding of welfare, based on the SDW.     

The impact of welfare reform for families with children: Evidence from New York: A report of the New York city social indicators center,Columbia university school of social work

Abstract

This paper uses data from the Current Population Survey and administrative data from New York to simulate the poverty impact of the recent federal and state welfare reforms. We find that the federal welfare reforms would in the absence of additional state or local aid raise the poverty rate of families with children and the poverty gap (the amount needed to raise poor families’ incomes up to the poverty line). Although New York state and local welfare programs will offset much of this impact, we find that even with state and local aid, 16,000 families with children will move into poverty and 63,000 families with children, most of them already poor, will move into severe poverty, while the aggregate poverty gap will increase by nearly 25%.     

‘Let the King Save the Poor’: The Discursive Mechanism Underlying the Under‐exercise of Social Rights in South Korea

This study was prompted by discrepancies observed between the quantitative expansion and the qualitative stalemate in social policy in South Korea. Despite a revamped social security system, changes in South Korean social policies have not led to significant coverage expansion or improved income and poverty distribution. The frequent appearance of the Korean proverb that ‘even the King cannot save the poor’ in policy participants' narratives reflects a lack of confidence in the Government's ability to address persistent social disadvantages and the prevalence of a fatalistic policy perspective. This proverb has a conceptual affinity with an individualistic approach and has effectively functioned as a governance tool to oppress the progress of welfare rights. This research shows that an expenditure‐based model could lead to actual policy situations being misrepresented. Further, institutional policy arrangements may not be a sufficient condition for improving policy performance. It is suggested that a rights‐based approach should be adopted for both theorization of the transition of the welfare regimes and discursive practice for a policy paradigm change.     

From Street‐level Bureaucrats to Street‐level Policy Entrepreneurs? Central Policy and Local Action in Lottery‐funded Community Cancer Care

Recent contributions to the policy implementation literature have applied Kingdon's model of ‘policy windows’ to the implementation of policy on health inequalities in the UK, and have identified the key role played by ‘policy entrepreneurs’ at local as well as national level. Despite this, the picture that emerges is of frustration of central policy intentions at the local level, alongside frustration of local aspirations by the centre. This article explores the relationship between central policy and local implementation in the context of a Lottery‐funded initiative to develop community cancer care in the UK. We examine the relationships: between the BIG Lottery Fund and central government; between BIG and the cancer care projects it funded; and between the projects and their local economy of cancer care. We found evidence of success both in vertical cascading of policy and in local policy innovation; 83 per cent of projects succeeded in obtaining continuation funding at the end of their Lottery funding. We suggest that this was due, in part, to two features of Lottery funding and accountability that combined to differentiate it from the other policy initiatives studied. They meant that projects were ‘buffered’ not just from national policy churn, but also from competing local priorities. In the ‘protected space’ that was thus formed, ‘street‐level policy entrepreneurs’ played a key role in developing cancer care innovations for adoption by mainstream funding agencies.     

Social assistance in China and Sweden: how policy intentions are translated into local practices

This article compares social assistance policies in China and Sweden, with a special focus on the means of translating policy intentions into local practices. Unlike China, Sweden has laws regulating social assistance, which is intended to ensure a ‘reasonable standard of living’. Though considered a legal right, assistance is Sweden is means-tested. While social assistance claims are dealt with by the welfare bureaucracy in Sweden, in China the process of application involves the input of cadres, administrative officials from different levels of government, and neighbours. The challenges facing Sweden are to find ways to cope with long-term social assistance and to help recipients find work. The challenges facing China are to establish a social assistance law and standardized management procedures, and to incorporate the resources of social work.     

Is Housing First for Mental Health Community Support Possible During a Housing Shortage?

Supported housing programmes for people with chronic mental health needs have shifted towards approaches that rely on housing first, which prioritizes access to a permanent home in the community. How do support programmes with this assumption manage the market constraints of a shortage of affordable housing? The article examines empirical mixed method data (interviews and programme data) about the experience of managing this problem in the Mental Health Housing and Accommodation Support Initiative (HASI) in New South Wales, Australia. HASI provides clinical mental health services, housing support and housing if needed, for people who are not yet living independently in the community. It found that the housing shortage affected the ability of the providers to implement the intended programme design at three early steps in the support: determining eligibility; prioritizing access between people with and without housing; and managing entry to the programme when they did not have housing. As a result, some otherwise suitable applicants were not prioritized for entry into the programme or their entry was delayed until they were housed. The providers adjusted the programme to the housing market realities, which compromised the programme intentions. The policy lessons are that programmes need strategies to provide housing for people who require it; assist people to find or apply for housing; and support people while they wait for housing. These approaches enhance the coherence of programmes, build on integration mechanisms and respond to the housing context.     

‘Problematising’ Australian policy representations in responses to the physical health of people with mental health disorders

Australia, like other jurisdictions, is recognising the poorer physical health of people with mental health disorders. This paper explores policy responses to this issue through discourse analysis of 22 Australian Federal and State government policy documents published in 2006–2011. The paper utilises Bacchi's ‘what's the problem represented to be?‘ approach to explore policy solutions in relation to the representation of the issue, enabling identification of issues which are not problematised and policy solutions that have not been considered. The poor physical health of people with mental health disorders is attributed in policy to poor lifestyle habits and limited access to monitoring of physical health care. Three policy solutions are offered: collaborative care delivery involving greater use of fee‐for‐service primary care to manage physical health; the monitoring of physical health status by mental health teams; and the promotion of lifestyle change. These solutions fail to address ongoing issues with collaboration between specialist mental health and primary care services. Reliance upon fee‐for‐service primary mental health care may, in fact, reduce rather than increase access to services. The strategies are discussed in light of neoliberal ideals of governance and personhood which are underpinned by informed consumer choice and personal responsibility for health.     

Measuring State TANF Policy Variations and Change After Reform*

Objectives. Our objectives are to describe the policies adopted after PRWORA, which vary across states, to test for common underlying policy concepts, demonstrating how these policies are interrelated, and to examine whether policy stringency diffused to neighboring states results in greater policy stringency across all states over time. We convert textual TANF welfare guidelines into empirically derived policy dimensions and use the derived quantitative scores to describe variation and change in welfare policy dimensions across status during the 1996–2003 post‐welfare‐reform period. Methods. Utilizing the Urban Institute's Welfare Rules Database, we apply a factor analytic methodology to 78 unique state policy guidelines that were coded on a lenient‐to‐stringent continuum. Regression analyses, employing spatial contiguity weighting, are used to describe policy diffusion. Results. The results identified 15 underlying first‐order post‐welfare‐reform policy dimensions, which for scientific parsimony were further reduced to three second‐order underlying dimensions representing rules governing eligibility: eligibility requirements for groups, behavioral responsibilities for maintaining eligibility, and eligibility time limits and exemptions. Analysis of the quantitative scores showed that by 2003 states had become more lenient regarding eligibility criteria for groups but decidedly more stringent regarding behavioral guidelines for maintaining eligibility and eligibility time limits and exemptions. Spatial clustering is not found globally but is significant for some states at the local level. Spatial diffusion is apparent only for behavioral rules. Conclusions. Our results suggest that TANF policy variations across states go beyond payment levels to include salient eligibility rules. The patterns of variability in change scores across states do not support a pervasive “race to the bottom” conclusion.     

Aiming to keep poor Mexican families at the breadline (but no higher): The effects of minimum wage,tax, and social policy changes between 1994 and 2012

Welfare policy in Mexico has been transformed in recent decades. During the years of the import‐substitution industrialization economic strategy and the hegemonic party political regime, social policy was based on social insurance programs of limited coverage to urban formal sector workers and their families. In the mid‐1990s, an unprecedented expansion of social protection through social assistance programs was triggered, along with social insurance reform. This article assesses the effects at the household level of social policy changes, in combination with changes in taxes and the minimum wage, which also impact the welfare of the population. The research applies “model families” to establish effects of social, tax, and minimum wage policy changes across population groups, and their combined potential to combat poverty. Findings show that although taxation and social policy changes increased redistribution towards poor families, their capacity to lift and keep them above poverty thresholds was limited by the drop in the real value of the minimum wage and by strict targeting mechanisms, which exclude families that do not meet eligibility criteria but still fall below poverty lines. Social policy expansion merely subsidized the drop in real minimum wage, and poor families at best remained at similar income levels. Hence, the logic of the design of welfare policy changes can be characterized as aiming to keep poor families on the breadline, but no higher.     

‘Unfit for reform or punishment’: mental disorder and discipline in Liverpool Borough Prison in the late nineteenth century

This article examines how Liverpool Borough Prison, opened in 1855 as one of the largest local prisons in England to adopt the separate system, categorized and dealt with mental distress and disorder amongst its prison population in the late nineteenth century. High prison committal rates in Liverpool, alongside high levels of recidivism, especially among female prisoners, led to severe overcrowding and encouraged a harsh disciplinary regime. Exacerbated by the poor physical and mental condition of the prisoners, this produced a challenging environment for maintaining the separate system of confinement and prisoners’ mental well-being. While official figures for the rates of mental disorder in local prisons are not readily available, Liverpool Prison’s diverse and under-exploited archives and official reports indicate that insanity caused prison officials and visiting justices great concern, and many prisoners were declared unfit for the rigours of prison discipline. Our article explores the implications of the ever more punitive, deterrent and physically taxing penal policy implemented in the late nineteenth century on the minds of prisoners. Despite the heavy toll on prisoners’ mental well-being, such cases were often retained by prison medical officers reluctant to acknowledge the failure of the prison to deter, reform and redeem.     

Service Users' Perspectives on the Benefits System in Israel: A Participatory Action Research

This article presents a position paper on Israel's benefits system. It was produced in the framework of a participatory action research with the collaboration of welfare services users and social welfare policy practitioners, academics, social practitioners, and social activists. Some 78 persons living in poverty, from various population groups, were asked, in group settings, to describe their experiences with the benefit system and services, their coping strategies, their perceptions and attitudes towards these services, and their recommendations for ways to improve them. The position paper which emerged from this process served as the basis for discussions between service users, social welfare policy practitioners, researchers, social activists and social practitioners at an academic conference. Issues such as benefits cuts, eligibility, and definitions of poverty are discussed and recommendations are presented.     

Work,health and welfare: new challenges1

Gainful employment is a core prerequisite of individual autonomy and the well‐being of a majority of adult people, preventing them from economic dependence on welfare transfer. Yet, the quality of work and employment acts as an important determinant of work ability and health. This contribution offers an extended framework for analysing quality of work by introducing a theoretical approach towards assessing an adverse psychosocial work environment. Two models are briefly described, the demand‐control and effort‐reward imbalance models, and selected empirical evidence demonstrating their health‐adverse effects is summarised. Importantly, poor quality of work in addition reinforces employees’ intentions to leave their job as soon as possible. Results from a recent survey in ten European countries support this observation. In view of these findings and their relevance for occupational health and the prevention of early retirement, policy implications aimed at improving quality of work are discussed.     

Financial hardship assistance behind the scenes: Insights from financial counsellors

Financial hardship, in a credit society such as Australia, can affect almost anyone. To protect consumers from the negative impacts of financial hardship—which can include the stresses of enforcement action and disconnection from essential services—legal protections have been incorporated into the regulatory frameworks for the consumer credit, energy, water and telecommunications sectors. In this article, we outline the findings of our study, which used a survey of financial counsellors around Australia and focus group interviews with Victorian financial counsellors to examine how these legal protections are being implemented by service providers in these four sectors. Our findings highlight a tendency on the part of service providers to take a generic, one‐size‐fits‐all approach to compliance with these legal protections that prevents them from effectively assisting consumers struggling with debt. We discuss the particular shortcomings of this approach in the context of consumers living on low incomes—especially Centrelink incomes—and outline the policy implications of our findings for assisting these vulnerable groups.