Publication: Análisis de los sistemas de evaluación de la dependencia en los seguros públicos y privados
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2017-02-03
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Universidad Complutense de Madrid
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Abstract
Los sistemas de protección social tienen la función de prestar a las personas que los precisen cuidados de calidad aceptable. El desarrollo de estos sistemas o servicios, tiene como fin general conseguir una reducción significativa del riesgo de pobreza, protegiendo frente a las consecuencias económicas de las contingencias, como principalmente pérdida de la salud, accidentes, jubilación o dependencia. La viabilidad del sistema de protección social, como es el caso de la atención a la dependencia, se ha convertido en un problema de capital importancia, sin duda fruto de distintas causas, pero sobre todo por el envejecimiento que atraviesan los diferentes países. La preocupación por la dependencia se está acelerando en los últimos años desde el inicio de la crisis en 2008, primero financiera y luego económica. El motivo ha sido que las recaudaciones, tanto vía impuestos como vía cotizaciones sociales está cayendo de forma alarmante por la disminución del empleo y sobre todo de los salarios. Es decir, se precisa cada día más gasto social y se puede recaudar cada día menos. Ha sido al concluir la primera década de este siglo cuando Europa se ha visto no sólo obligada a congelar esas políticas, sino a recortar las políticas del bienestar. En Europa se había desarrollado de forma creciente un modelo social que confería identidad propia a la UE frente a terceros. Podría decirse que la actual crisis política del modelo europeo no es ajena a la pérdida del referente de bienestar que le identificaba y diferenciaba del resto del mundo. El texto describe la investigación realizada para conocer y “analizar los métodos de evaluación de la dependencia en los seguros o sistemas de cobertura” de la misma. Es decir, se aborda la cuantificación de: a cuantas personas se dirigen los servicios para la corrección de la falta de autonomía personal...
The systems of social protection have the function of providing people who require it care of acceptable quality. The development of these systems and services, has the overall aim of achieving a significant reduction in the risk of poverty, protecting against the economic consequences of contingencies, as loss of health, accidents, retirement or lack of personal autonomy. The viability of the social protection system, as in the case of long-tem care, has turned into an issue of great importance, no doubt as a result of different causes, but especially the aging of different countries. Concerns about lack of personal autonomy are accelerating in recent years since the start of the crisis in 2008, first financial and after economic. The reason is that the collections, both through taxes and social contributions are falling dramatically for the decline in employment and especially in wages. That is, more social spending is required each day and less can be collected. It was at the end of the first decade of this century when Europe has been obliged not only to freeze such policies, but to cut in welfare policies. Europe had developed increasingly a social model that conferred identity to the EU against third parties. Arguably, the current political crisis of the European model is not external to the loss of welfare reference that identified it and differentiated it. The text describes the research done to know and “analyze the assessment methods of lack of personal auto nomy reliance on insurance or coverage systems” of it. That is, the quantification of the following is discussed: to how many people are addressed the services to correct a lack of personal autonomy. The study of variables related to dependent status is also addressed, these variables understood broadly. That is, described as risk factors for the causes that led to dependence and exogenous to the individual, such as coverage and evaluation systems, which could condition the way to the dependence variables...
The systems of social protection have the function of providing people who require it care of acceptable quality. The development of these systems and services, has the overall aim of achieving a significant reduction in the risk of poverty, protecting against the economic consequences of contingencies, as loss of health, accidents, retirement or lack of personal autonomy. The viability of the social protection system, as in the case of long-tem care, has turned into an issue of great importance, no doubt as a result of different causes, but especially the aging of different countries. Concerns about lack of personal autonomy are accelerating in recent years since the start of the crisis in 2008, first financial and after economic. The reason is that the collections, both through taxes and social contributions are falling dramatically for the decline in employment and especially in wages. That is, more social spending is required each day and less can be collected. It was at the end of the first decade of this century when Europe has been obliged not only to freeze such policies, but to cut in welfare policies. Europe had developed increasingly a social model that conferred identity to the EU against third parties. Arguably, the current political crisis of the European model is not external to the loss of welfare reference that identified it and differentiated it. The text describes the research done to know and “analyze the assessment methods of lack of personal auto nomy reliance on insurance or coverage systems” of it. That is, the quantification of the following is discussed: to how many people are addressed the services to correct a lack of personal autonomy. The study of variables related to dependent status is also addressed, these variables understood broadly. That is, described as risk factors for the causes that led to dependence and exogenous to the individual, such as coverage and evaluation systems, which could condition the way to the dependence variables...
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Tesis inédita de la Universidad Complutense de Madrid, Facultad de Medicina, Departamento de Toxicología y Legislación Sanitaria, leída el 26/01/2016