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Reference budgets for elder people and people with extra health costs in the Netherlands Marcel Warnaar

Reference budgets for elder people and people with extra health costs in the Netherlands Marcel Warnaar. Transnational workshop Grundtvig Learning Partnership Bonn, 1-3-2013. Nibud. Independent foundation Aiming to promote household’s welfare By a conscious way of spending money

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Reference budgets for elder people and people with extra health costs in the Netherlands Marcel Warnaar

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  1. Reference budgets forelderpeople and peoplewith extra healthcostsin the NetherlandsMarcel Warnaar Transnational workshop GrundtvigLearning Partnership Bonn, 1-3-2013

  2. Nibud • Independent foundation • Aiming to promote household’s welfare • By a conscious way of spending money • Very well known (90% of NL knows our name)

  3. Financial problems • Bad money management • Impulse-buying, etc. • Complex internetbanking (widows) • Mental illnesses • Incometoo low • No income support • (Necessary) spendingstoo high

  4. Dutch cappuccino system • Individual (25%) • Workers pension (35%) • State pension (45%)

  5. Risk groups • Only state pension • Or even less (ethnicminorities) • Extra costs • Health related • What is “extra”?

  6. Reference budget for minimal incomes • State pension • €1023 per monthfor singles • € 1416 per monthfor couples • Income support • Health insurance • (High) rent • Total income

  7. Reference budget for minimal incomes • Basicpackage of necessaryspendings • Shelter, food, energy, insurances, etc. • Butalso computer with internet • (Socialparticipation)

  8. Example 65+ (part 1) Single Couple • TOTAL Income 1.165 1.681 • Rent 220 (364) 218 (364) • Heating 67 67 • Electricity 30 56 • Water 9 13 • Localtaxes * (41) * (56) • Telephone, television, internet 53 53 • Insurance 146 281 • School- & studiycosts 0 0 • Subsicription * * • Public transport , bike 10 21 • FIXED COSTS 531 709

  9. Example 65+ (part 2) • Clothing 52 103 • Furniture, maintenance 93 103 • Extra healthcosts 40 (28) 80 (55) • Recreation * * • RESERVATION SPENDING 185 286 • Food 170 326 • Cleaningmaterial 7 9 • Personal Care 22 45 • Smoking/ pets/ gifts * * • Household services * * • Various 21 23 • DAILY EXPENSES 220 403 • SOCIAL PARTICIPATION * (97) * (150) • Leftfor the * categories 225 283

  10. Reference budgets forhigherincomes • Almost all spendingcategoriesgethigherifincomerises. • Cars, holidays, eating out.

  11. Personaluse • Personal interest • www.nibud.nl/

  12. Counselling • Debtadvisors • Money advisors • Socialworkers • Financial institutions

  13. Policy • Housingcorporations • Mortgagelenders • Taxdeductions • Extra trafficcostsbecause of healthproblems • Extra foodcostsfor special diets (gluten-free) • Individualincome support • Contributionfornursing homes

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