Home  Journals  Finance and Credit  26(362) – 2009 July

Actual problems of differentiation of insurance premiums on obligatory social disability insurance by fixing of insurance rate markup and relief

Available online: 17 September 2009

Subject Heading: Insurance

JEL Classification: 

All employers of the Russian Federation are insurants by obligatory social disability insurance. As a result tariffing has the important economic significance. Optimisation of the insurance rate by its differentiation by fixing of insurance rate markup and relief will be effective only if it has the mass and balanced nature. For this purpose it is necessary to introduce the corrective amendments in Insurance rate markup and relief methodology. These amendments have to lift restrictions on fixing of insurance rate markup and relief to the majority of insurants so that insurance premiums correlated with costs of Fund of social insurance of the Russian Federation for an insurance coverage of their workers and financing of precautionary measures. Also, if markups and relieves have mass character stability of a profitable part of the budget is important. The offered technique is approved at the enterprises of the aircraft industry of the Nizhniy Novgorod region.

Keywords: labor, protection, expense, costs, obligatory, disability, insurance

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ISSN 2311-8709 (Online)
ISSN 2071-4688 (Print)

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