Parents and carers often have interrupted workforce histories, causing gaps in their pension contributions and hence significantly lower retirement incomes. In some countries, to ameliorate these inequalities, carer credits have been introduced to maintain public pension contributions during periods of workforce absence. But improvements to credits in public schemes have taken place alongside a shift to private pensions that widens inequalities for carers. Introducing carer credits to private pensions is one method of addressing these inequalities. A search for examples of credits to private schemes in OECD countries revealed that, at present, they are rare and limited. This article sets out the design features and principles that should underpin carer credits to private pensions.

The arrival of large numbers of asylum seekers in the UK, many of whom subsequently become refugees, has been an important contributor to the emergence of new migration. Integration policy and initiatives have placed a great deal of focus on securing housing for refugees and enhancing their employability. While academics stress that integration should be a two-way process, and highlight the need for institutions to adapt to meet migrant need, the vast majority of policy attention has focused on supporting refugees to adapt to life in the UK. Few initiatives and even less research attention has been paid to encouraging or exploring institutional adaptation. This article looks at the experiences of UK housing providers involved in the HACT Reach In initiative. The project was unusual in that it sought to encourage housing providers to adapt their approaches to service provision by embedding refugees into their everyday work. Using data collected via qualitative longitudinal methods, the article examines the ways in which institutions changed their cultures and approaches to service delivery. It finds that initiatives that enable hosts and migrants to access new social fields create the opportunity for embedded integration that moves beyond the individual to impact upon institutions, and argues that shifting our attention to institutions has much to offer in conceptual, empirical and policy terms.

Universal Credit is a major change in the UK's social security system which will affect around eight million households by replacing six existing means-tested benefits and tax credits with a single benefit, based on income, assets and circumstances, and paid monthly. Much commentary about Universal Credit has supported the principle but raised concerns about delivery. This consensus about the principles and the focus on delivery have resulted in less attention being paid to key policy choices informing the design. This article examines two aspects of the design of Universal Credit: the aim to make Universal Credit as much ‘like work’ as possible, and the architecture of the means test. The focus here is the gap between the assumptions underlying the design of Universal Credit, on the one hand, and the research evidence about life on a low income, and in low-waged and often insecure employment, on the other. Finally, we discuss the most significant contradiction between the ‘transformational’ aim for Universal Credit, to help people achieve greater ‘independence’ from the state, and the realities of deepening and widening control of claimants’ lives.

Since the 2008 crisis, there has been a sharp rise in demand for food aid across high-income countries, spurring increased academic interest in the issue of food insecurity. Despite this heightened interest, there remains a paucity of quantitative evidence on trends in the prevalence of food insecurity in rich countries. In this context, the following article presents ‘direct’ evidence on recent patterns of food insecurity across countries and welfare regimes using secondary analysis of the European Quality of Life Survey. It uses an item which has been a longstanding component of deprivation scales, ‘could your household afford a meal with meat, chicken or fish every second day if you wanted it?’, to investigate two hypotheses. First, we explore whether food insecurity has risen since the 2008 crisis as the rise in food aid suggests. Second, we examine if this rise has varied across welfare regimes, if it has occurred at all. The article finds evidence to support both contentions: food insecurity has risen across many European countries and has varied by welfare regime. It also finds that contrary to expectations, the sharpest rise was in the Anglo-Saxon countries of Ireland and the UK, rather than Southern or Eastern European countries.

Under post-welfarist realignments in neoliberal democracies, the provision of welfare is increasingly conditional on claimants fulfilling certain (behavioural) obligations. Under these shifts, an increased focus on the cultural dimensions of conduct and belonging redefines the basis for citizenship and extends the risk of subversion to include incivility or cultural difference. Critically, this recasting of the state-citizen social contract occurs with potentially exclusionary effects by legitimising ethnic and culturalist explanations that attribute blame to individuals/groups based on their perceived failure to follow normative models of social and spatial integration. The significance of these neoliberal welfare shifts for many of those most at risk of exclusion—black and minority ethnics (BME) and indigenous populations—has received little attention. Responding to this gap from within housing studies, this article reports on qualitative research on the fulfillment of government responsibilities for tenancy support provision under reforms to Indigenous housing welfare in Australia. Based on interviews with Indigenous housing stakeholders, it identifies programmatic, organisational and operational issues hampering tenant support provision that challenge how the ideal of ‘fair reciprocity’ was satisfied at the outset of the reforms. Given contemporary policy discourse on community cohesion and integration, the ways in which current programmatic oversights signal this neoliberal programme and its attempts to reinforce perceptions and constructions of cultural difference to politicise and pathologise the behaviours of particular individuals and communities is significant. Key questions arise about how the needs of minority groups might inform the types of ‘opportunities’ required to achieve the conditions for fair reciprocity within the contractual welfare state.

Peter Townsend argued that poverty could be scientifically measured as a ‘breakpoint’ within the income distribution below which participation collapses. This paper stands on Townsend's shoulders in measuring the level of poverty and participation by: (1) broadening his original measurement of participation; (2) using Structural Equation Modelling (SEM) in conjunction with a new dataset including 40,000 households (Understanding Society, 2011; 2013); and (3) taking into account the multi-cultural/ethnic nature of British society. We find that participation – defined as lack of deprivation, social participation and trust – reduces as income falls but stops doing so among the poorest 30 per cent of individuals. This may be indicating a minimum level of participation, a floor rather than a ‘breakpoint’ as suggested by Townsend, which has to be sustained irrespective of how low income is. Respondents with an ethnic minority background manifest lower levels of participation than white respondents but the relationship has a less linear pattern. Moreover, the floor detected for the overall population is also replicated when combining all respondents from ethnic groups.

Gender inequalities are a key issue for most pension systems in Latin America. Contributory pension schemes that link benefit entitlements to work and earnings tend to reflect in the benefits they offer the gender gaps that prevail in the labour market. This deepened with the implementation of individual private accounts as part of structural pension reforms in a number of countries. This article evaluates how recent pension policies, including measures geared to coverage expansion and so-called pension ‘re-reforms’, have addressed gender gaps in pensions in four Latin American countries. It shows that the expansion of non-contributory pensions and a greater emphasis on redistribution are important for the protection of older women in a context of gendered labour markets and the unequal distribution of paid and unpaid work between women and men. Looking at the cases of Argentina, Bolivia, Brazil and Chile, the article identifies progress but also the persistence of gender gaps in pensions and emphasises the need for further measures to promote adequate social protection for older women.

This article suggests how notions of replacing, supplementing and valuing care by the family can be linked with policy instruments of childcare services, leave provisions, and cash for care by family, to influence care arrangements at collective and individual levels. It analyses care arrangements in Japan and Korea, estimating their changes over approximately ten years using the care time mix approach. The findings suggest that at the beginning of the new millennium, care arrangements in both countries were configured as female>non-state>male>state. A decade later, Japan remains the same, whereas Korea has become a paid care economy configured as non-state>female>male>state. Unpaid care economy remains gendered, but over time, Japanese men's contribution has marginally increased, with the opposite being true in Korea. The article discusses what the transformation of the paid care economy in Korea, and its expansion in Japan, imply for social structures in the respective countries.

To what extent does Malta's social policy support gender equality, in the use of time? How much do state policies assume that men and women both need time to care, as well as for paid work? Does Malta's full-time paid work structure allow time for the equal sharing of unpaid care responsibilities between women and men, that in turn enhances gender equity in the workplace and domestic sphere? Themes that emerge in the study rest largely on women's voices. The study finds that women need to shift their full-time economic activity to shorter and flexible working hours when they become mothers, with negative consequences of loss in income and career regression. Labour market exit and financial dependence on men is also a frequent occurrence. The findings of the study suggest that strong pressure to assume traditional roles is embedded not only in Maltese culture and social norms, but also in the state's own social policy.

Minimum income protection is gaining new significance in European social policy. In an effort to promote social inclusion, the European Parliament has called on the European Commission and EU Member States to guarantee the minimum right to social safety nets. The Commission has been considering, in the context of the Europe 2020 strategy, the possibility of setting minimum standards for social protection. It is timely then to survey the debates surrounding minimum income standards for Europe and some of the different technologies available for setting reference budgets. A European needs-based (minimum) social protection floor should help guard against poverty and exclusion, but there can be no ‘one size fits all’ in Europe. For it is equally clear that higher social standards of protection may be required by citizens in more affluent parts of Europe. How can such distinctions be made, and what are the challenges arising from doing so?

Relative poverty, a concept developed by left-wing social scientists, categorises as ‘poor’ those who fall seriously behind normal nationwide material standards. This article argues that the widespread view that the word ‘poverty’ means ‘relative poverty’, which in left-dominated social policy academia often extends to implying that those who do not define poverty this way are necessarily misguided, has led to an incomplete portrayal of poorer British people's lived experience. The article examines published empirical work, before presenting findings from British Social Attitudes surveys and interviews with forty unemployed Jobseeker's Allowance claimants and thirty employed people. Both the existing and new findings exposed aspects of public attitudes and experience which resonate with unanswered academic criticisms of defining poverty as relative poverty. These public contributions have tended to be glossed over or treated dismissively by social policy authors, despite them attaching importance to Left-friendly aspects of poorer people's experience and attitudes.

Conservative welfare state policies as in Germany often presume that money is a common resource within couples and, therefore, pooled. Research, however, indicates that money is increasingly managed separately or partly separately. This trend is either explained by the diversification of forms of relationships or interpreted as a general decline of the joint pooling of money. Contributing to this debate, this study investigates whether couples abandon independent money management when particular life events occur or when partners’ resources change. Data from the German Socio-Economic Panel (SOEP) for the years 2004, 2005 and 2008 are used. Panel analyses show that marriage leads to joint pooling or partly independent money management. An increase in women's incomes, however, is associated with independent money management. Women's wish for independence apparently contributes to the decline of the joint pool. The substantial prevalence of financial independence within couples calls into doubt the adequacy of German welfare state policies.

Single, older women in the State of Victoria, Australia, have emerged as a group experiencing housing insecurity and being highly vulnerable to homelessness in their old age. A sizable demographic cohort, it is a group that could overwhelm the existing homelessness service system. One of the most surprising aspects of this trend is their propensity to be tertiary educated. Focus groups revealed ‘critical life events’ as significant, and a shared ‘control belief’ in the value of education. Given that education is a key means by which Australian governments seek to remedy homelessness, the entry of educated women into the homelessness population suggests policy needs to re-examine homelessness causation and explicitly apply a gender-lens.

Declining trust in statistical agencies has recently complicated the endeavour to collect high-quality, timely data that are used to inform US policy and practice. Given this context, understanding how respondents choose to trust particular statistical agencies and their products is incredibly important. This article details a series of cognitive interviews (85) and focus groups (3) used to measure how the US public develops trust for statistical agencies, their statistical products and their use of administrative records. Results show that respondents use two models of trust in their rationale: experience based and cultural‒repertoire based. When respondents did not have experience with a particular institution and/or its product, cultural values including personal liberty, cost-savings and the promotion of social goods (for example, government-sponsored schools and hospitals) were found to influence their motivations to trust or distrust. As a result, appeals to cultural values may have the potential to increase trust among respondents. Familiarity with statistical agencies and their products may also increase respondents’ levels of trust.

This article focuses attention on explaining and understanding state intervention into the lives of families deemed ‘troublesome’ with specific attention on the Troubled Families Programme. Launched in 2011, in part as a response to the London riots, the Troubled Families Programme represented an escalation and intensification of state intervention into the lives of families. Policy analyses have provided important perspectives on how we should explain and understand this government agenda as part of a process of neoliberal state crafting. This article offers a critical yet productive examination of these perspectives, arguing that their utility lies in how they can be employed, and therefore modified and adapted, in conjunction with studies of local practice which emphasise the messy realities of policy enactment and, with that, the possibility for contestation and challenge. Such an approach, based broadly on the tenets of critical realism, is founded on an alternative conception of state power, one that sees state power as having a more complex quality that is dependent on the agency of local actors.

The youth foyer model was designed to provide a package of support, including accommodation to homeless or at-risk young people, based on participation in education, training and/or employment as a supported transition to independent living and a sustainable livelihood. Commencing in the early 1990s, the UK has developed a large number of foyers while Australia is a relative newcomer to this kind of supportive youth housing. Unlike in the UK, existing and proposed Australian foyer income generated from current benefits and subsidies is not sufficient to cover the cost of support. We highlight the need for an extensible source of funding specifically for supportive housing for homeless and at-risk youth in order to ensure the financial sustainability and therefore replicability of the foyer model in Australia. We also discuss some issues relating to the translation of the model from one national context to another.

Celebrating the 25th birthday of Gøsta Esping-Andersen's seminal book The Three Worlds of Welfare Capitalism (1990), this article looks back at the old ‘liberal world’ and examines the new. In so doing, it contributes to debates and the literature on liberal welfare state development in three main ways. First, it considers the concept of ‘liberalism’ and liberal ideas about welfare provision contained within Three Worlds. Here we are also interested in how liberal thought has conceptualised the (welfare) state, and the class-mobilisation theory of welfare-state development. Second, the article elaborates on ‘neo-’liberal social reforms and current welfare arrangements in the English-speaking democracies and their welfare states. Finally, it considers the extent to which the English-speaking world of welfare capitalism is still meaningfully ‘liberal’ and coherent today.

There has been much concern about people not saving enough for retirement in the UK and how to encourage further saving. This has led to pension policy developments, including the introduction of auto-enrolment, a form of ‘soft’ compulsion, to ‘nudge’ people to save. Given that young working age cohorts have longest to contribute to pensions and have traditionally been least likely to save for retirement, it is important to investigate their attitudes and expectations in relation to pensions and the potential effects of auto-enrolment on their future retirement income. This study utilises the findings of thirty interviews with young people aged eighteen to thirty about their opportunities and attitudes towards pensions, and identifies a variety of factors which affect pension contributions, including knowledge and advice, trust and myopia. It then focuses explicitly on auto-enrolment before concluding that if auto-enrolment is to succeed, people need to be reassured beyond doubt that it ‘pays to save’.

This study examines a recent legislative change in New Zealand social policy that provides for the partners of people engaging in welfare fraud to be prosecuted for the crime and to be jointly liable for the debt generated from the crime. This situation applies where the partner knew, or ought to have known, of the fraud. This approach may be contrasted with the treatment of the partners of those who engage in tax evasion, or other forms of financial crime, who are not liable for prosecution or any debt resulting from the offence.

Discrimination of those on welfare is well-established. The article highlights the extent to which welfare beneficiaries are now targeted for greater punitive measures in New Zealand and the increasing criminalisation of welfare in the country. The practices outlined appear to contravene the New Zealand Human Rights Act. Moreover, these practices are not aligned with the basic provisions of criminal law: that a guilty mind and a positive act are present for a crime to be committed. The study draws attention to issues of equity, knowledge of crime, and the construction of crime and criminals in the New Zealand justice system.

This article is based on a qualitative study exploring reasons for ill-being and well-being among twenty participants in a Norwegian activation programme. The Qualification Programme aims to enhance participants’ overall life situations and employability by offering work training to long-term social assistance recipients, among other things. As an analytic framework for discussing ill-being and well-being, this article employs Amartya Sen's capability approach, which assesses the individual's ability to live a good life, and Martha Nussbaum's conceptualisation of that approach. The findings indicate that hardship was demonstrated in the respondents’ lives: participants could not cope financially and suffered from mental and physical health problems, while shame worsened their circumstances. However, participants also showed signs of enhanced well-being as they experienced increased individual agency. The study indicated a disparity between the intended and the actual direction of change in the lives of programme participants.