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Our Research Catalogue contains grants and outputs data up to the end of April 2014. Records will no longer be updated after this date.

Welfare Markets and Personal Risk Management in England and Scotland

Grant reference: RES-062-23-1954

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Article (submitted) details

Unemployment and income protection : how do better earning households expect to manage financially?
Apart from health care and education, it could be argued that working-age households with above average income in the UK have never relied as much on the welfare state as their counterparts in many other European countries. How then do better earning households expect to cope financially with the risk of unemployment, and to what extent do they plan ahead for a possible loss of earnings? Based on 61 interviews with couples the article discusses various sources of income protection that these households envisage drawing upon in the event of unemployment. State benefits figure only marginally, private insurances to a limited extent and savings slightly more. However, there is little evidence of strategic planning. By contrast, many perceive their current job and personal employability as providing some security and regard the prospect of occupational redundancy pay as a major source of income protection. This finding contrasts sharply with a paucity of systematic information about the actual scope, quality and development of employer-based income security.
English

Primary contributor

Author Jochen Clasen

Additional details

The paper has been submitted to the Journal of Social Policy, returned to us as 'revise and resubmit' - which we have done (on 21 November 2012). Currently waiting to hear from the editors.

Files

Clasen_unemployment.pdf (.pdf / 119kb)

Cite this outcome

Harvard

Clasen, Jochen. Unemployment and income protection : how do better earning households expect to manage financially?.

Vancouver

Clasen Jochen. Unemployment and income protection : how do better earning households expect to manage financially?.