and Next Generation Marketing are the new jargon
that refer to the wireless world of hand held digital devices:
laptops, interactive TV, I pods, and upscale cellular/mobile
Instead of focussing on how to bring customers to a Web site
for digital trade, their strategic focus is to bring the message
directly to the point of need, ie to the customer, wherever
he / she may be.
We may have seen the cable channel ads that bring prescriptions
and other Medicare or Blue Cross health care benefits direct
to the homes of patients, in developed countries. That is
the service dimension of Social Insurance!
On the local scene, old age pensioners spend the better part
of one hour waiting at the social welfare office to renew
life certificates. These same citizens spend the better part
of half day at Health offices waiting to see the doctor, and
maybe the other half day, to get the prescription filled.
That is the state of the nation!
Some say there is value in the socialising aspect for these
citizens who choose to spend their time waiting on the benches.
But, time is money!
Our menu of social insurances is decidedly third world
and we are one notch ahead of the fourth world
places, like Haiti and Afghanistan, torn with civil/political
strife and corruption!
Premiums for social insurance are called contributions. They
are compulsory for those who earn an income. In fact they
are also compulsory for all employers who pay wages and salaries.
When an NIS contribution is deducted from the income of the
worker, the employer has to add an additional amount of contribution
(larger than what the worker contributes), to the figure.
The sum of the two contributions, the total, is submitted
to the National Insurance Board, by the 15th day of the next
If you include the health surcharge, this could add up to
about $300 per person, per month.
Governments who seek to calculate how these contributions
will match the claims/payments for morbidity, mortality and
longevity, seem to have made terrible blunders. The fund (sum
total of contributions) is generally inadequate to the task.
Social welfare is the financial responsibility of those who
put themselves up for leadership in the political arena. But
in truth, social welfare is confined to an old jargon category
the safety net and seems to be last on the list.
In the present scheme of things, it is those who have a little
wealth, or a little more than what they need for their own
use, who must submit to the laws of conscience.
Frankly, governments will collapse, like an implosion, if
those citizens who have a little more than they need, cease
to help those who do not have.
This is one reason that citizens deserve the rrespect of governments.
But average citizens seldom recognise that it is they who
weild the power in the land, and not the so-called principals!
Those with the technical expertise: the actuaries, have a
role to play in the social welfare system.
Developed country status is a financial statement of well-founded
propriety! It is no buzz word and no cliche. Our aged citizens
and social welfare systems are a long, long way, from M commerce
and Next Generation Marketing.
But to compare oneself to others is to become vain or bitter,
for always there will be better or worse than youin
the words of the old song Desiderata.