Human beings have invented insurance in the face of losses and adverse effects caused by unintended accidents, and have turned it into an effective tool and aid for the continuation of life and economic activities in the event of harmful accidents. Insurance has been formed in the distant years and has grown and evolved with the progress and development of societies, so that today, despite the various harmful events that occur, its insurance industry has had such positive social and economic effects on societies that the coefficient Its influence, which is an indicator of the level of provision of this progressive service, has become one of the important criteria for measuring the level of development of countries. After the victory of the Islamic Revolution, the country’s insurance industry has experienced various changes that can be examined in several well-defined periods. The nationalization of insurance companies in the early years of the victory of the Islamic Revolution of insurance companies owned by the private sector and the shares of their foreign shareholders was announced according to the special conditions of that national period.
Social security insurance after the victory of the Islamic Revolution
The deputy director of treatment of the Social Security Organization, like other areas of this organization, has carried out various actions and activities in the direction of organizational goals. Performing medical duties as one of the most important obligations in the field of treatment of the Social Security Organization to the insured has been raised since its inception and its activities, and this issue, especially during the last three decades when performing this responsibility directly to this organization, has led to honors. It has become unique and the crystallization of brilliant services in the country. In the years after the victory of the Islamic Revolution, the Social Security Organization, using its legal capacities, has expanded social insurance coverage to almost 4 occupational groups, an issue that was neglected before the revolution and there was no attitude towards developing insurance coverage to different groups. Is. The number of insured people was 1 million and 3 thousand people in the year, and today the number of insured people has reached 3 million people. This growth indicates that the Social Security Organization has played an active role in the market events and changes in the type of jobs and even the tastes and interests of the labor market. It is worth noting that the continuation of reforms and improvements in the provision of social security services is still on the agenda. There is always a policy of identifying new groups to cover the active workforce.
Retirement pension after the victory of the Islamic Revolution
Retirement pension is the most important part of the services provided by the organization in the long run. The organization has experienced significant growth in terms of its obligations, especially in retirement pensions, during the years under review, both in terms of the number and the amount of expenses paid by pensioners. The cost of pension pension has increased from 2 billion and 840 million rials in 1977 to 351 thousand and 254 billion rials in 2017. The ratio of pension cost to total long-term cost has increased from 52% in 1977 to 72% in 2017.
Implementation of unemployment insurance plan
The implementation of our unemployment insurance law was not equivalent to before the victory of the Islamic Revolution, and the implementation of this plan was implemented on a trial basis for the first time since 1987. In 2017, the Social Security Organization provided 39,000 billion rials to pay unemployment insurance benefits for 211,000 workers who have been deprived of employment.
Provide short-term and long-term legal protections
The Social Security Administration’s medical obligations and services are set to the standards of the International Labor Organization (ILO) and the International Social Security Organization (ISSA) and meet the highest standards. The Social Security Organization of the Islamic Republic of Iran is in a favorable position in terms of diversity and number of services and commitments, and provides a variety of services and full coverage of services required by the covered community on par with developed countries. The provision of these obligations and services, which form an important part of the organization’s insurance expenditure cycle, is divided into two groups: short-term and long-term support. In the field of short-term services, the insurance deputy of the organization provides a variety of services, which include compensation for sick pay, pregnancy, accommodation expenses, marriage allowance, burial expenses; Travel expenses, prostheses and orthoses, non-cash vouchers and annuities, the costs associated with providing these services are covered by the total payment of premiums. The cost paid for short-term support of the Social Security Organization has increased from 162 billion tomans in 1959 to 1.393 billion tomans in 1996. Expenditures resulting from long-term support of the organization account for a very high share of the organization’s expenditures. Retirement pensions – general and partial disability and survival along with ancillary benefits are among the services covered by this section.
Increase the survivors’ pensions
Survivor’s pension is an expense paid to the survivor after the insured dies. The cost of survivors’ pensions has increased from 2 billion rials in 1977 to 109,000 billion rials in 2017 to support 784,500 people in the community.
Generalization and expansion of the covered population
The covered population, while showing the expansion of the organization’s activities in line with its mission, on the one hand provides a large part of the necessary resources for the organization and on the other hand consumes the services provided by it. It is worth noting that the level of financial resources available to the social security organization depends on the active population, employment rate, labor wage level and social security coverage in the community. Insurance coverage coefficient indicates the share of the number of people covered by the organization from the total population of the country. In 1956, out of the population of 35 million people, 6 million and 700 thousand people were covered by the Social Security Organization, and in 1996, out of the population of 80 million people, 42 million people were covered by this organization.