Julkisen talouden rahoituspohjan kestävyys väestön vanhetessa on kiistaton ongelma Suomessa kuten useissa muissakin länsimaissa. Työikäisen väestön väheneminen, työvoiman ikääntyminen ja hyvin vanhojen ihmisten lukumäärän kasvu on vaikea yhdistelmä julkisen talouden kestävyyden...

Keeping public finances on a sustainable foundation while the population ages is clearly a problem in Finland, as in many other western countries. The shrinking of the working-age population, ageing of the labour force, and growth in the number of very old persons form a difficult combination...

This study examines structures and challenges in the Finnish well-being sector from the innovation activity perspective. Firstly, it compares the quality and productivity based on international statistics and research reports, and R&D&I activities in the well-being sector. It investigates also...

Moral hazard means that people with insurance may take greater risks because they know they do not bear the full consequences of their actions. This can occur with both private insurance and social insurance. Deductibles can be used to alleviate the problem. An interesting way to bring...

This study examines structures and challenges in the Finnish well-being sector from the innovation activity perspective. Firstly, it compares the quality and productivity based on international statistics and research reports, and R&D&I activities in the well-being sector. It investigates also...

Moral hazard means that people with insurance may take greater risks because they know they do not bear the full consequences of their actions. This can occur with both private insurance and social insurance. Deductibles can be used to alleviate the problem. An interesting way to bring...

This report employs individual-level register data to study the coverage and amounts of voluntary term life insurances, the monetary losses following from the death of a breadwinner, and the life insurance gap arising as the difference of the two. The data include information on the life...