The central topic of the herewith master's thesis is the presentation of the social risk institute which is in itself a risk that is necessary for social protection. It was designed as a social consensus and it later came into existance as such. These are the most serious threats that can either hinder or even prevent an individual's further development or even his existance. It is no doubt a future, uncertain event that can befall an individual and at the same time cause damage due to the loss of earning capacity or medical expenses. Social risk is a core concept of social security, for which social protection has to be organised. The latter is an issue of critical importance for both the individuals and for the society as a whole. We distinguish between personal social risks, such as sickness, maternity leave, disability, old age and death in the family, and social and economic risks, which include unemployment and dependency on others for self-care.
In order to be able to critically define the above mentioned institute, it is no doubt important to fully understand the foundations of all the principles and the purpose of the social security system, as social risk is closely interwined with the entire system and the purpose the latter pursues. In the light of the foregoing, I begin my master's thesis by introducing the right to social security and then I proceed by outlining the very purpose and all the main tasks and duties of the social security systems, including with the principle of solidarity.
Moreover, social risk is closely associated with the social insurance programmes that are no doubt one of the civilizational phenomena of our society. In this case, it falls under the duties of the State to organize insurance when it comes to handling the most serious social risks resulting in total or partial loss of income due to temporary or permanent incapacity for work or unemployment and the risk of a disproportionate increase in costs.
In addition, social insurance is the foundation of the Slovene social security system, as it provides social security to a wide range of beneficiaries in the event of social riks. Therefore, in the thesis in question, I gave a more accurate description of the mandatory pension and invalidity insurance, I tapped into the subject, closely connected with workers and pensioners in dual status, I then introduced a description of the compulsory and complementary health insurance with the principle of self-responsibility and finally, I described long-term care insurance in more detail.
At the very core of the thesis, I tried to define the concept of social risk, I introduced the demarkation between social and private risk, I highlighted the role of primary and secondary social risk and then provided more details about the social risks of sickness, old age and dependency on others for self-care.
The main challenge that emerged over and over again during the research and writing of the master's thesis was demographic change that at present brings new social risks to the horizon, to which the legislator responds with delay and in an inadequate manner. However, one fact remains that the consequences are felt by all members of society.
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