تحلیل کیفی پدیده فرار بیمه ای سودجویی کوتاه مدت ذی نفعان و ناپایداری بلندمدت در تولید رفاه اجتماعی.

Qualitative Analysis of Insurance Evasion: Short-term Profitability of Stakeholders and Long-term Instability in the Production of Collective Good Social Welfare.

Introduction: Recent research has confirmed the crucial role of social security in promoting social justice. However, despite its significance, these services are sometimes deemed unnecessary by both employers and workers. This can lead to insurance evasion. Method: The study was conducted using a qualitative research method based on grounded theory, during which 14 experts of the Social Security Organization were selected using a purposive sampling technique. These people responded to the main question of the research (identification of the factors affecting insurance evasion) during structured and issue-oriented interviews. Findings: After analyzing the data, the core category was identified as “insurance evasion, short-term profitmaking of stakeholders, and long-term instability in the production of collective good social welfare.” This central phenomenon is influenced by several causal conditions, including “lack of awareness among actors about the benefits of insurance,” “successive waves of economic crises,” “complexity and ambiguity in laws and regulations,” and “the lack of an effective monitoring and evaluation system.” Additionally, the findings revealed that social actors encountering this issue have implemented strategies such as “prioritizing income for the labor force”, “associating labor based on bribery/threats”, and “neglect of insurance benefits”. These strategies have resulted in consequences such as “the challenge of financing the uninsured workforce” and “the gradual and increasing collapse of income/cost of insurance companies”. Discussion: The insurance evasion occurs under the influence of economic and structural factors. The inflation economic crises, and deficiencies in the social security laws regarding the determination of insurance payment and insurance styles affect the performance of capital and labor owners more than any other factor. [ABSTRACT FROM AUTHOR]

Copyright of Social Welfare Quarterly is the property of Negah Institute for Social Research & Scientific Communication and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)