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BISMARCK VERSUS
BEVERIDGE: A COMPARISON
OF SOCIAL INSURANCE
SYSTEMS IN EUROPE
Table
Sources of funding for social protection, 19952005 (percentage of total receipts)
Social contributions
General government
contribution
Austria
Belgium
Bulgaria
Cyprus
Czech
Republic
Estonia
Denmark
Finland
France
Germany
Greece
Hungary
Ireland
Italy
Latvia
Lithuania
Luxembourg
Malta
Netherlands
Poland
Portugal
Romania
Slovak
Republic
Slovenia
Spain
Sweden
United
Kingdom
Total
Protected
individualsa)
Employers
Other receiptsb)
1995
2000
2005
1995
2000
2005
1995
2000
2005
1995
2000
2005
1995
2000
2005
34.4
26.1
n.a.
n.a.
32.5
25.3
n.a.
45.0
33.1
24.7
36.1
53.7
64.6
71.1
n.a.
n.a.
66.2
72.2
n.a.
37.3
65.3
73.4
60.7
34.7
38.5
49.0
n.a.
n.a.
39.1
49.9
n.a.
20.5
37.9
51.4
42.4
19.7
26.1
22.1
n.a.
n.a.
27.1
22.3
n.a.
16.8
27.4
22.0
18.3
15.0
0.9
2.9
n.a.
n.a.
1.3
2.5
n.a.
17.7
1.6
1.9
3.1
11.6
20.8
25.0
18.1
78.1
73.8
80.7
53.4
49.8
54.3
24.7
24.0
26.4
1.2
1.2
1.2
n.a.
69.7
45.8
21.5
28.3
29.0
n.a.
62.8
30.0
n.a.
n.a.
20.6
63.9
42.9
30.3
31.8
29.2
31.6
58.3
40.6
33.5
38.9
20.4
63.2
43.7
30.6
35.6
30.7
34.8
53.9
41.4
35.3
39.6
n.a.
24.0
47.4
74.9
69.2
60.9
n.a.
36.3
67.6
n.a.
n.a.
79.0
29.4
50.0
65.9
66.1
60.8
59.8
40.2
57.7
66.5
59.6
79.4
28.8
50.2
65.6
62.7
58.4
57.9
40.0
57.0
64.0
59.8
n.a.
10.2
33.7
47.4
40.5
37.4
n.a.
22.3
50.3
n.a.
n.a.
79.2
9.1
38.0
46.0
38.5
38.2
47.0
25.1
42.8
50.2
53.7
79.0
10.3
38.8
44.7
35.0
35.5
42.0
24.7
41.7
47.1
53.8
n.a.
13.8
13.7
27.5
28.7
23.5
n.a.
14.0
17.3
n.a.
n.a.
n.a.
20.3
12.0
19.9
27.6
22.6
12.8
15.1
14.9
16.3
5.9
0.4
18.5
11.4
20.9
27.7
22.9
15.9
15.3
15.3
16.9
6.0
n.a.
6.3
6.9
3.5
2.5
10.0
n.a.
0.8
2.3
n.a.
n.a.
0.2
6.7
7.0
3.8
2.1
10.0
8.7
1.5
1.6
0.0
1.5
0.1
8.0
6.1
3.8
1.6
11.0
7.3
6.1
1.6
0.7
0.5
47.0
46.9
45.3
47.8
48.5
51.3
25.9
24.7
26.9
21.9
23.8
24.4
5.2
4.6
3.4
32.3
30.5
34.5
64.2
66.8
62.7
45.5
45.3
43.5
18.7
21.5
19.2
3.4
2.6
2.8
17.1
14.4
19.9
63.8
67.5
67.8
21.0
29.4
33.4
42.8
38.1
34.4
19.2
18.1
12.3
n.a.
31.9
n.a.
32.5
39.1
n.a.
39.2
42.2c)
11.7
n.a.
53.6
n.a.
55.3
53.0
n.a.
50.3
n.a.
47.4c) 35.9
73.2
n.a.
30.5
35.6
n.a.
28.0
n.a.
31.7c) 17.7
49.7
n.a.
24.8
17.4
n.a.
22.3
n.a.
15.7c) 14.5
23.5
n.a.
12.2
7.9
n.a.
10.4
10.4c)
15.0
35.5
31.0
14.0
62.6
66.8
80.5
46.4
48.3
62.0
16.2
18.5
22.4
1.9
2.2
1.5
n.a.
30.3
49.8
31.5
29.4
45.8
31.7
33.3
48.0
n.a.
67.1
42.3
66.3
68.0
49.9
67.4
64.5
49.8
n.a.
50.0
37.0
27.0
51.8
40.5
27.4
48.9
41.0
n.a.
17.1
5.3
39.3
16.2
9.4
40.0
15.6
8.8
n.a.
2.7
7.9
2.2
2.6
4.3
0.8
2.1
2.3
50.5
46.4
50.5
47.9
52.4
47.9
25.4
29.9
32.4
23.3
22.5
15.5
0.9
1.2
1.6
EU-27
EU-25
EU-15
n.a.
n.a.
32.1
n.a.
35.4
35.6
37.6d) n.a.
37.7
n.a.
37.9 63.9
n.a.
60.9
60.9
59.1d) n.a.
59.0
n.a.
58.9 39.2
n.a.
38.7
38.7
38.3d) n.a.
38.2
n.a.
38.2 24.7
n.a.
22.2
22.2
20.8d)
20.8
20.7
n.a.
n.a.
4.0
n.a.
3.6
3.5
3.4d)
3.3
3.2
Norway
Switzerland
62.2
60.5
55.8
37.0
38.4
44.1
22.6
24.4
29.5
14.4
14.0
14.6
0.9
1.1
0.1
19.2
21.0
22.2
62.0
60.4
59.7
31.8
29.3
27.6
30.2
31.1
32.1
18.8
18.6
18.0
a)
c)
b)
Source: Eurostat, Database of Living Conditions and Welfare, Social Protection Receipts, Receipts by Type, 2008.
69
Database
unions and church-run labour federations (Franke
2004). The Bismarck system is characterised by the
following three points:
2 The social insurance contributions can be divided into contributions paid by the protected individuals (wage earners and salaried
employees, self-employed, pensioners and others) and contributions paid by employers.
3 Other receipts include interest and dividends.
4 The general fertility rate is the number of live-born children per
1,000 women of child-bearing age between 15 and 45 (sometimes
between 15 and 49). Family status of the women and legitimacy of
the children are not taken into account.
70
Database
References
Figure
relative increase in %
2000 to 2025
Switzerland
Spain
Portugal
2000 to 2050
United Kingdom
2000
Source: United Nations, World Population Prospects: The 2006 Revision, Population Database.
Sweden
0
Poland
0
Netherlands
50
Italy
Luxembourg
100
Ireland
10
Greece
150
Hungary
15
France
200
Germany
20
Finland
250
Denmark
25
Austria
300
Belgium
30
Pestieau, P. (2006), The Welfare State in the European Union, Economic and Social Perspectives, Oxford University Press, Oxford.
Purton, H. (1996), European Welfare States in the 1990s: An
Economic Analysis of the Challenges and Efforts at Reform,
CEPS Research Report no. 19.
71