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Shared Responsibility, Shared RiskGovernment, Markets and Social Policy in the Twenty-First Century$
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Jacob Hacker and Ann O'Leary

Print publication date: 2012

Print ISBN-13: 9780199781911

Published to Oxford Scholarship Online: February 2015

DOI: 10.1093/acprof:osobl/9780199781911.001.0001

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Risk Sharing When Work and Family Clash

Risk Sharing When Work and Family Clash

The Need for Government and Employer Innovation

Chapter:
(p.161) 9 Risk Sharing When Work and Family Clash
Source:
Shared Responsibility, Shared Risk
Author(s):

Ann O’Leary

Publisher:
Oxford University Press
DOI:10.1093/acprof:osobl/9780199781911.003.0009

This chapter explains how employers and the government can help workers who fulfill caregiving responsibilities, thus improving the economic security of families. It first reviews the history and current role of the federal government's commitment to insuring families against income losses from caregiving before turning to a discussion of the current features of risk allocation in caregiving. In particular, the chapter considers the decrease in family income due to work-family clashes, along with the inability to purchase substitute care. It then examines three forms of social insurance that are used to provide income replacement when care clashes with work: welfare or Temporary Assistance for Needy Families (TANF), unemployment insurance, and state-based paid family leave programs. It also looks at other policies that increase shared responsibility between employers and the government so that caregivers do not have to shoulder the caregiving risk by themselves. The chapter also outlines the causes of increased risk burden on families with respect to lost income from caregiving.

Keywords:   caregiving, economic security, families, risk allocation, family income, social insurance, income replacement, welfare, Temporary Assistance for Needy Families, unemployment insurance

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