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enefits such as healthcare unemployment payments and old age pensions means tested benefits financial assistance provided for those who are unable to cover basic needs such as food clothing and housing due to poverty or lack of income because of unemployment sickness disability or caring for children while assistance is often in the form of financial payments those eligible for social welfare can usually access health and educational services free of charge the amount of support is enough to cover basic needs and eligibility is often subject to a comprehensive and complex assessment of an applicant s social and financial situation see also income support non contributory benefits several countries have special schemes administered with no requirement for contributions and no means test for people in certain categories of need such as veterans of armed forces people with disabilities and very old people discretionary benefits some schemes are based on the decision of an official such as a social worker universal or categorical benefits also known as demogrants these are non contributory benefits given for whole sections of the population without a means test such as family allowances or the public pension in new zealand known as new zealand superannuation see also the alaska permanent fund dividend welfare to work this is when the government provides welfare benefits to the recipient while the recipient is required to take paid work or in some cases compulsory education the idea is to assist welfare recipients in moving from government assistance to employment and achieving self sufficiency 12 56 not all citizens use their social rights selective social rights have higher non take up rate than universal social rights due to the complexity of the information and the bureaucracy 57 sometimes people need the help of other people to mediate their rights 58 perceptions edit according to a 2012 review study whether a welfare program generates public support depends on 59 whether the program is universal or targeted towards certain groups the size of the social program benefits larger benefits incentivize greater mobilization to defend a social program the visibility and traceability of the benefits whether recipients know where the benefits come from the proximity and concentration of the beneficiaries this affects the ease by which beneficiaries can organize to protect a social program the duration of the benefits longer benefits incentivize greater mobilization to defend a social program the manner in which a program is administered whether the program is inclusive and follow principles pope francis has referred to welfare projects as valuable only as temporary or provisional responses to the problems of poverty lasting and equitable structural changes are also needed to avoid dependence on welfare 60 differences in the transparency of individual welfare contributions and employer contributions through payroll taxes affects politics 61 62 social protection edit main article social protection in developing countries formal social security arrangements are often absent for the vast majority of the working population in part due to reliance on the informal economy additionally the state s capacity to reach people may be limited because of its limited infrastructure and resources in this context social protection is often referred to instead of social security encompassing a broader set of means such as labour market intervention and local community based programs to alleviate poverty and provide security against things like unemployment 63 64 65 welfare reform edit welfare reforms are changes in the operation of a given welfare system aimed at improving the efficiency equity and administration of government assistance programs reform programs may have a various aims sometimes the focus is on reducing or increasing the welfare state and at other times reforms may aim to ensure greater fairness and effectiveness at the same total welfare spending classical liberals neoliberals right wing libertarians and conservatives generally criticize welfare and other tax funded services for reducing incentives to work exacerbating the free rider problem and redistribution on the other hand in their criticism of capitalism both social democrats and other socialists generally criticize welfare reforms that minimize the public safety net and strengthen the capitalist economic system welfare reform is constantly debated because of the varying opinions on a government s need to balance providing guaranteed welfare benefits and promoting self sufficiency by country edit further information welfare state by country australia edit main article social security in australia before 1900 in australia charitable assistance from benevolent societies sometimes with financial contributions from the authorities was the primary means of relief for people not able to support themselves 66 the 1890s economic depression and the rise of the trade unions and the labor parties during this period led to a movement for welfare reform 67 in 1900 the states of new south wales and victoria enacted legislation introducing non contributory pensions for those aged 65 and over queensland legislated a similar system in 1907 before the australian labor commonwealth government led by andrew fisher introduced a national aged pension under the invalid and old aged pensions act 1908 a national invalid disability pension was started in 1910 and a national maternity allowance was introduced in 1912 66 68 during the second world war australia under a labor government created a welfare state by enacting national schemes for child endowment in 1941 superseding the 1927 new south wales scheme a widows pension in 1942 superseding the new south wales 1926 scheme a wife s allowance in 1943 additional allowances for the children of pensioners in 1943 and unemployment sickness and special benefits in 1945 superseding the queensland 1923 scheme 66 68 canada edit main article social programs in canada canada has a welfare state in the european tradition however it is not referred to as welfare but rather as social programs in canada welfare usually refers specifically to direct payments to poor individuals as in the american usage and not to healthcare and education spending as in the european usage 69 the canadian social safety net covers a broad spectrum of programs and because canada is a federation many are run by the provinces canada has a wide range of government transfer payments to individuals which totaled 145 billion in 2006 70 only social programs that direct funds to individuals are included in that cost programs such as medicare and public education are additional costs generally speaking before the great depression most social services were provided by religious charities and other private groups changing government policy between the 1930s and 1960s saw the emergence of a welfare state similar to many western european countries most programs from that era are still in use although many were scaled back during the 1990s as government priorities shifted towards reducing debt and deficits china edit this paragraph is an excerpt from welfare in china edit welfare in the people s republic of china is linked to the hukou system of household registration those holding non agricultural hukou status have access to a number of programs provided by the government such as healthcare employment retirement pensions housing and education while rural residents traditionally were expected to provide for themselves 71 in 2014 the chinese communist party announced reforms aimed at providing rural citizens access to historically urban social programs 72 czech republic edit social welfare in czech republic is outlined in a series of social policies as is the tradition in europe their goal is primarily preventing but also mitigating social situations individuals may find themselves in through their lives the social welfare is provided through social including pension insurance sick insurance not to be confused with health insurance public policy related to unemployment and low income benefits which are financed through the government budget and health insurance which is financed through an array of insurance companies 73 therefore the social welfare program is usually separated into three categories health insurance social insurance and social benefits support social insurance is a type of statutory insurance that provides citizens for a future unforeseen social event such as unemployment or disability that would prevent an individual from working but also planned retirement social insurance is therefore compulsory for all self employed individuals employees and employers operating in the czech republic and gets deducted from a salary in a similar manner to taxes this insurance serves to finance unemployment support disability benefits and covers a part of an employer s salary in cases of long term illness that obstructs them from participating in the workforce the sickness insurance system is intended for gainfully employed individuals who in cases of short term social events are provided with health insurance benefits these are provided through financial benefits sickness insurance participants are employees and self employed individuals employees are compulsorily covered by sickness insurance unlike the self employed whose sickness insurance is voluntary and there is no penalisation for opting out of the insurance it is calculated through a series of reductions of an assessment base employees sickness insurance provides 4 types of sickness benefits benefits for caring for a family member pregnancy and maternity allowance maternity allowance 74 it is standard to go on paid maternity leave in the czech republic which ordinarily lasts 28 weeks this period is prolonged to 37 weeks in the case of twins furthermore there are special circumstances such as the birth of a disabled child when this period is extended even more 75 the beginning of maternity leave is usually 6 weeks before expected due date and after maternity leave it is possible to request further parental leave which is optional and can be performed by either parent regardless of gender parental leave lasts up to four years depending on individual preferences pension insurance is part of social insurance in addition to sickness insurance and serves as a contribution to the state employment policy it is a premium for old age retirement disability retirement or benefits in the event of the death of the primary provider in a household participation in pension insurance is mandatory for economically active individuals for those on various forms of benefits or currently registered as a care provider this insurance is provided by the state the basic pension insurance provides in time old age pension includes regular proportional early and other variants of old age pension disability benefits widower s and orphan s pension pension insurance is applied for at the district social security administration in the applicant s place of permanent residence they can apply in person or by proxy on the basis of a notarized power of attorney the amount of the pension consists of two component the basic acreage and the percentage acreage 76 another form of pension is the disability pension this is provided to individuals that are unable to participate in the workforce to the same degree as their able bodied counterparts due to their disability contributing to the decline of their ability to work be it partially or entirely there is a distinction between disability pension for individuals with first second and third degree disability the amount of the pension depends on the rate of decline of the person s ability to work with the categories being divided between the first degree a decrease of 35 49 the second degree a decrease of 50 69 and the third degree a decrease of 70 and above 77 furthermore there is a so called widow s widower s pension provided to widowed individuals from the czech pension system its aim is to compensate households for losing income that they would in this situation be lacking the widowed individual is entitled to a pension from a deceased person who has received an old age or disability pension or has fulfilled the statutory condition on the required insurance period at the date of death the amount of the assessment is 10 of the average wage and the amount of the percentage assessment is 50 of the percentage of the old age or disability pension to which the deceased was entitled at the time of their death 78 denmark edit danish welfare is handled by the state through a series of policies and the like that seeks to provide welfare services to citizens hence the term welfare state this refers not only to social benefits but also tax funded education public child care medical care etc a number of these services are not provided by the state directly but administered by municipalities regions or private providers through outsourcing this sometimes gives a source of tension between the state and municipalities as there is not always consistency between the promises of welfare provided by the state i e parliament and local perception of what it would cost to fulfill these promises estonia edit main article et sotsiaaltoetus estonia does have a welfare state that provides a range of social services and financial assistance to its citizens the estonian welfare state is a liberal welfare state which means that it provides a minimal safety net for citizens in need and places a greater emphasis on individual responsibility and self sufficiency the estonian welfare state provides a range of services including universal healthcare free education and a comprehensive system of social security it also provides financial assistance to citizens in need through programs such as unemployment benefits housing assistance and social assistance for low income families the estonian welfare state is funded through a mix of taxation and public spending and it relies on a strong social security system to provide support to citizens in need however compared to other welfare states it has relatively low levels of social spending and may rely more on private sector solutions to address social welfare issues finland edit an office of the social insurance institution kela in seinäjoki finland main article welfare in finland the finnish nordic model welfare state is based on the principles of social equality and the belief that all citizens should have access to the same basic rights and opportunities it provides a range of services including universal healthcare free education and a comprehensive system of social security it also provides financial assistance to citizens in need through programs such as unemployment benefits housing assistance and social assistance for low income families the finnish welfare state relies on a strong social 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