02.05.2020

Work to help pensioners and disabled social service. Social assistance for the elderly at home - how easy it is to get and arrange


According to the law, it is the responsibility of parents to provide their minor children with everything necessary.

In the same way, children, when the time comes, should look after their elderly parents. However, not everyone has the opportunity to do this in a timely manner. The reasons can be different - from constant business trips to excessive remoteness of the place of residence. In addition, many elderly citizens do not have relatives who could give them the notorious “glass of water”. In all such cases, social workers come to the aid of those in need.

How and where to "get" a social worker

In order to “get” “his” social worker, an elderly person or another needy citizen who has the right to do so must apply to the Social Services Center at his place of residence. To date, there are 122 such centers in Moscow alone.

Social service centers provide various services.

One of the most important is pre-medical and social assistance to disabled and lonely elderly people who have lost the ability to serve themselves in whole or in part.

A social worker is provided on a temporary or permanent basis. For example, many people need help during the departure of a relative or a serious illness. How to get a" social worker? Write an application to the social service center or district comprehensive center. After an appropriate medical opinion, you will be admitted to “non-stationary social services”.

There are certain preferential groups of citizens who are entitled to receive the help of a social worker at home.

These are categories such as:

  • elderly people - men over 60 and women over 55;
  • citizens with disabilities;
  • families with children, as well as minors in a difficult life situation;
  • large families, as well as families with disabled children;
  • other people who need outside help.

Applications from:

  • participants and invalids of the Great Patriotic War;
  • single citizens with disabilities over 70 years old;
  • lonely elderly people over 80;
  • disabled people injured as a result of hostilities;
  • disabled, elderly, single or living alone, provided that they are deprived of help and support from their relatives;
  • liquidators of the Chernobyl disaster;
  • spouses of the dead veterans of the Great Patriotic War, provided that they did not remarry.

Beneficiaries who have relatives are also entitled to receive the help of a social worker, provided that there are factors that impede the provision of assistance for objective reasons.

For example, such reasons may be the remoteness of the place of residence, a prolonged illness, the achievement of a relative retirement age.

Denial of social services at home

In some cases, the social center has the right to refuse social services at home:

  • if the person is a chronic alcoholic;
  • subject to confirmed bacterio- or virus-carrying (active form of tuberculosis, sexually transmitted diseases, such as syphilis, etc.).

What are the responsibilities of a social worker?

The social worker must visit his ward at least 2 times a week.

The responsibilities of a social worker include:

  • purchase and delivery of products, cooking;
  • feeding the ward (if there is such a need);
  • delivery of water and fuel - if a person lives in a house where there is no centralized supply of these resources;
  • payment utilities;
  • delivery of things to and from dry cleaning;
  • sanitary and hygienic and medical, including first aid;
  • paperwork in order to obtain certain benefits provided by the state;
  • psychological support;
  • paperwork for submission ritual services.

Under an agreement with an organization providing social services Other assistance may be provided to those in need for full or partial payment. Every social worker is required to keep a special journal. This log records all services rendered and purchases made for the ward. This document is checked once a month by the heads of the centers.

One-time services from the social center

If a person does not have the right to permanent service or simply does not need it, then he can use the "Mobile Social Service".

This sector of social centers provides one-time services to those in need, including those services that are not included in the above “guaranteed list”.

Who can apply for one-time services:

  • pensioners;
  • persons with limited life functions and disabled people;
  • families with disabled children;
  • mothers raising their children on their own;
  • divorced citizens;
  • large families.

An example of one-time services is: accompanying a disabled child to educational institution, care for children with disabilities, delivery of technical means of rehabilitation. The duration of one-time social services is no more than 4 hours a day, the frequency is not regulated. The list of services is established by the social center after considering the application of the applicant.

1. General Provisions.

1.1. A person is accepted for the position of a social worker of the 5th category,
having initial professional education without presenting
requirements for work experience or secondary full (general) education and experience
work in the profile for at least 3 years.
1.2. A social worker is accepted and dismissed from work by order
director of the institution.
1.3. The social worker reports directly to the head
a specialized department of social and medical care at
home.
1.4. The social worker does not have employees in his subordination.
1.5. The social worker is guided by:
current legislation of the Russian Federation on health and social
public services; the charter of the institution; this official
instruction.
1.6. The social worker must possess, along with the appropriate
qualifications and professionalism, high moral character,
sense of responsibility, ability to work with people, tact,
discipline, performance. The social worker must
be sensitive and considerate to the citizens they serve.
1.7. The social worker should know:
- basics social policy, law and government,
labor and family law;
- regulations for the organization of social services
elderly and disabled citizens at home;
- organization and principles of housekeeping;
- sanitary and hygienic requirements for the care of the elderly and
disabled people at home;
- bases of psychology of persons of advanced age;
- basic techniques and methods for providing emergency first aid;
- rules and norms of labor protection, safety and fire
protection.
1.8. The social worker reports directly
______________________________________________________________________.
(head of the institution, other official)
1.9. During the absence of a social worker (vacation, illness, etc.)
his duties are performed by a person appointed by order of the head
institutions. This person acquires the corresponding rights and bears
responsibility for the quality and timely execution of assigned tasks
duties on him.

2. Functions.

2.1. The main function of a social worker is to
a set of measures for social and medical care at home
disabled citizens living in the territory assigned to him
site.

3. Job responsibilities.

3.1. To perform the functions assigned to him, the social worker
must:
- identify lonely, lonely living and disabled citizens,
living on the territory of the service area, in need of social
assistance, their interests and needs, difficulties and problems, and in a timely manner
provide them with social assistance and support;
- provide social and medical care at home to assigned
behind its plot of disabled pensioners and disabled people (at least 3
once a week in accordance with the visiting schedule, and if necessary
frequency and duration of visits increases);
- home delivery of food, hot meals, semi-finished products,
essential industrial goods, charitable and other
types of in-kind assistance;
- provide assistance with cooking at home lonely and lonely
living pensioners and disabled people whose children live in other
settlements (soup, porridge, potatoes, semi-finished products);
- to carry out feeding of the weakened pensioners and invalids;
- maintain living conditions in accordance with hygienic
requirements: regular change of underwear and bed linen(once
in 2 weeks, and also as it gets dirty), if necessary
assist in washing, weekly cleaning of the premises, taking out the garbage
(into a garbage chute located in a residential building, or located near the house
tanks);
- provide sanitary and hygienic assistance to customers (washing,
wiping, hygienic baths, cutting nails, combing);
- assist in providing serviced citizens on the conclusion of doctors
medicines and medical products;
- assist in obtaining medical care, in hospitalization:
calling a doctor at home, accompanying those in need of treatment and prophylactic
institutions and visiting them in inpatient health care facilities in
for the purpose of providing moral and psychological support;
- assist in the conduct of medical and social examination for
needy;
- assist in obtaining vouchers for sanatorium treatment, in
receiving dentoprosthetic and prosthetic and orthopedic care, as well as in
providing technical means care and rehabilitation;
- hand over things for washing, dry cleaning, repair and deliver them back,
pay for housing and utilities;
- assist in organizing the provision of services by enterprises
trade, public utilities, communications and other
enterprises providing services to the population;
- deliver water, heat the stove, assist in
providing fuel (for those living in residential premises without
central heating and water supply);
- assist in the organization of work on the repair of residential premises,
cultivation of a personal plot, harvesting;
- assist in writing letters, in the preparation of the necessary
documents, assist in obtaining the established valid
legislation of benefits and benefits, to provide assistance on issues
pension provision and provision of other social benefits;
- provide psychological assistance, moral support, promote
providing books, magazines, newspapers;
- assist in organizing funeral services for singles
wards.

4. Rights.

4.1. The social worker has the right:
- for all statutory social guarantees;
- demand the creation of conditions for the performance of official duties;
- get acquainted with the draft decisions of the company's management regarding
his activities;
- on issues within its competence, to submit for consideration
management of the institution proposals for improving the activities of the institution
and improving working methods; comments on the activities of employees
institutions;
- offer options for eliminating existing in the activities of the institution
shortcomings;
- request personally or on behalf of the management of the institution from
structural divisions and specialists information and documents,
necessary to fulfill their official duties;
- involve specialists from all (individual) structural units in
solution of the tasks entrusted to him (if this is provided for by the provisions on
structural divisions, if not - with the permission of the head
institutions);
- require the management of the institution to assist in the execution
their duties and rights;
- request personally or on behalf of the immediate supervisor from
other structural divisions information and documents necessary for
performance of their official duties;
- Improve your professional skills.

5. Responsibility.

5.1. The social worker is responsible for:
- for failure to perform or improper performance of their duties
responsibilities under this job description
within the limits set by the current labor law RF;
- for causing material damage- within the limits
current labor and civil legislation of the Russian Federation;
- for offenses committed in the course of exercising their
activities, - within the limits determined by the current administrative,
criminal, civil legislation of the Russian Federation.

It happens that in Russia the elderly are left without the support of children and relatives, while in dire need of help. For health reasons or due to age restrictions, older people have difficulty cleaning the house, cooking, washing and ironing clothes, going to the store, and so on. If it is proven that the old man needs support, the state will provide him with social assistance at home for the elderly. In the article, we will consider what social assistance at home for the elderly is provided for in 2020.

What are the types of social assistance

In concept social support services for older people include:

  1. Providing social advisory assistance to help the elderly and people with disabilities adapt to society.
  2. Providing emergency assistance.
  3. Providing semi-inpatient care.
  4. Service in a hospital (boarding house, boarding house, etc.).
  5. Assistance from a social worker at home.

What is social assistance at home for the elderly

Due to the fact that the elderly are the weakest category of citizens of the country, the state provides for them the possibility of receiving social assistance at home.

Let's figure out what types of services a social service can offer:

  1. Call an ambulance at home.
  2. Accompaniment during a trip to a sanatorium, a health resort, medical institutions.
  3. Accompaniment to a banking institution, to a branch of the Russian Post, to social security authorities in order to write applications, pay utility bills, submit petitions, etc.
  4. Assistance in obtaining disability through the passage of medical and social expertise.
  5. House cleaning and home refurbishment.
  6. Manipulation and other hygiene procedures.
  7. Delivery drinking water, solid fuel old people living in rooms without central heating and water supply.
  8. Going to the pharmacy for medicines.
  9. Shopping for food, household chemicals, essentials, etc.
  10. Assistance in the organization of life, leisure, food.

When assisting the elderly, his state of health is certainly taken into account. Thus, persons who cannot take proper care of themselves will be provided with proper care and hygiene. If a citizen needs any other assistance, the social worker is obliged to consider the possibility of providing it. For example, if we are talking about assistance in paperwork, obtaining legal advice, obtaining an average or higher education.

Conditions for the provision of social assistance

In order for a social worker to start coming to a pensioner's house, it is necessary to first conclude, which will indicate all the conditions for providing an approved list of services to a person. The contract will also specify how often the assistant will come to his home - once a week, daily, or several days during the week. It depends on how independent the applicant is in taking care of himself and his home.

The contract must be signed by the elderly person himself or his authorized representative. The agreement is valid for a year, but when the new year comes, you do not need to apply for an extension - the agreement will be automatically extended.

Who is eligible for social assistance

Citizens of retirement age can receive a positive response from the bodies authorized to provide social assistance at home:

  • disabled persons of any age;
  • retired women from the age of 55;
  • retired men at age 60.

The main criterion for selecting people who are in particular need of third-party assistance is to determine the possibility of independent movement and the full provision of their vital needs.

Who can be denied social assistance

The decision to provide assistance or to refuse it is taken by a special commission.

  • the presence of a tuberculosis disease or other contagious disease, in connection with which its carrier is supposed to stay in a specialized medical institution of a closed type;
  • the presence of a venereal or quarantine disease;
  • classifying a citizen as a drug addict;
  • alcoholism;
  • the presence of mental disorders, due to which the social worker may be harmed;
  • lack of housing for the person in need of assistance;
  • lack of social workers to provide assistance to all comers.

Where to apply and who provides social assistance

To apply for social assistance, please contact regional office:

The specialists of these institutions will determine whether the old man needs outside help, and whether it is required to provide it.

How is social assistance at home for the elderly

Both the needy himself and his relative or even a neighbor can apply for social assistance, if he himself is limited in movement. A specially organized commission reviews the case, checks the availability of free social workers and determines whether the applicant really needs social support and what services he will need to provide.

Based on the results of the work of the commission, an individual program of social support will be drawn up. The social worker will be informed of the need to provide certain types services.

The study of materials and documents will take a maximum of 10 calendar days from the date of application. If a positive decision is made, the elderly person must sign an agreement with the social service to provide him with assistance.

Restrictions on the rights of citizens when receiving social assistance

If a citizen receives social assistance due to the fact that he is not able to actively move or take care of himself, observe the rules of personal hygiene, cook his own food, and so on, by a court decision or after obtaining the consent of relatives, an elderly person can be sent to a specialized institution. There, a person will be prescribed a course of treatment, or he will be assigned there for further treatment. permanent residence.

How much does it cost to provide social assistance at home

The services of a social worker may cost the elderly nothing, or they may be provided for a fee.

Since the beginning of 2015, social support has been provided free of charge to some preferential categories of applicants and those whose monthly income is less than the regional living wage or equal to it. Services will also be free for disabled people and participants in the Great Patriotic War.

All other elderly people will pay for social services, but the amount of payment will not exceed 250 rubles, regardless of the list of services and their number.

What documents are needed to apply for social assistance

To apply for social assistance at home, you will need to provide a set of documents to the social center, including:

Document

Where to get

Filled in on the spot according to the model of social. services

Photocopy of the applicant's passport

Information about the composition of the family

Housing department, passport office

Power of attorney certified by a notary and a passport confidant(for applicants who draw up documents through an authorized representative)

Certificate of a disabled person or participant in the Great Patriotic War (if any)

USZN

Conclusion of medical and social expertise (for disabled people)

ITU Bureau
Certificate of monthly income (for the poor, if available)

At the place of receiving additional income other than pension

Legislative acts on the topic

Decree of the President of the Russian Federation of January 29, 2000 No. 115

On measures to improve the living conditions of the elderly and disabled in state and municipal stationary institutions of social services for the population
Federal Law No. 178-FZ dated July 17, 1999

Legal and organizational framework for the provision of state social assistance to low-income families, low-income citizens living alone and other categories of citizens

Decree of the Government of the Russian Federation of April 15, 2014 No. 296

About social support of citizens

Common Mistakes

Error: A relative asks for a conclusion on the incapacity of an elderly person on the basis that he uses social services at home.

The social worker is a profession that plays a big role in modern society. It is no secret that the country's population is aging, and the material level and, for the most part, the state of health do not allow older people to live actively. Sometimes it happens that the only person who connects an elderly person with the outside world is the person representing the social service. In fact, it is thanks to this service that the elderly, who have no one to rely on in life, get the opportunity to communicate, purchase food and medicine, the necessary hygiene and household items.

It is good when a social worker has an education or a higher professional education, but, unfortunately, at present, persons who do not have any vocational training. To perform this work, the presence of many spiritual qualities is required, and most often people come to this profession at the call of the heart.

The social worker must have a thorough knowledge of government laws, regulations and regulations O social services disabled people and citizens. He must also impeccably comply with the rules of labor internal regulations And job descriptions. Guided by the rules of labor protection and basic safety rules, sanitation and fire safety standards, a social worker can provide all possible assistance at the place of residence of his wards. It is very important that this is done, not only without causing discomfort or irritation on the part of an elderly person, but also competently.

In his work, a social worker uses special knowledge, for example, the basics of the psychology of older people. In addition, he must know the basics of first aid emergency.

The duties of a social worker, first of all, are to identify among the population of the area assigned to them disabled and elderly citizens who cannot do housework on their own and are in dire need of service. Workers in this area are constantly conducting surveys among the elderly, pensioners and disabled people in the territory entrusted to them, explaining to them their rights that they can count on.

The duties of a social worker include paperwork, as well as contact with the relatives of the wards and the attending physician. He must maintain confidentiality in relation to his wards, draw up financial assistance, which is due by law to the disabled and pensioners. If necessary, he must take prescriptions from the clinic for medicines at reduced prices, which is provided for this category of citizens. This is also part of his direct responsibilities.

A social worker is eagerly awaited, because often he is the only helper in the house. He buys food and brings checks, monitors their health and says kind words to them on weekdays and holidays.

His responsibilities include record keeping. He informs about his disability in advance, as this will allow him to find a replacement for the duration of the illness. We must not forget that this is an almost indispensable position - a social worker. His duties are not limited to this, he takes an active part in the life of his wards. Caring people who have chosen such a profession are completely household disabled people, replacing relatives who are absent or far away and cannot help their loved ones day in and day out. They will cook or warm food with love, brew aromatic tea and help make the bed, which is so important for a lonely person who is impatiently waiting for the bell to ring and the social worker to come. His duties are to ensure that there is water in the houses of their wards, and, of course, heat. If problems arise, they can contact the housing and communal services and resolve issues on behalf of the person they are entrusted with looking after.

In addition, they take things to the laundry, dry cleaning and deliver them back, pay for writing letters at the request of pensioners, bring newspapers and magazines. They are also faithful companions in the organization, they can accompany an elderly person to events that the authorities organize especially for this category of citizens.

Care for a disabled person who has lost legal capacity will not be trusted to a minor. This work is considered hard. He will not allow the young man to get an education. Where to apply All payments related to the elderly are handled by the Pension Fund. You need to start by collecting a package of documents. Then, take everything to the local branch of the PF. The specialist at the reception will help you write an application, look at the documents. If there are comments, it will tell you how to redo it. For caring for the elderly, a person receives points towards a future pension in the amount of 1.8 per year. The most elderly pensioner and the person for whom the allowance is issued will have to go to the department. In this case, the presence of a minor is mandatory if a payment is made to him. Parents or guardians young man not entitled to be replaced.

Benefits and payments to pensioners over 80 in 2018

The decision on the appointment of this social assistance is made by territorial authority guardianship and guardianship, where the citizen himself or his representative will have to apply with a written application. Often, the receipt of this type of guardianship is accepted by the judicial authorities in the consideration of domestic and property disputes, first of all, in order to provide social guarantees to elderly citizens who find themselves in a difficult life situation (for example, drinking children) and protect their property;

  • patronage is a type of partial guardianship.

It is carried out in relation to capable persons with reduced physical capabilities (old age, poor health) who need the help of a social worker. The decision to provide this kind of social support is made by the guardianship authorities on the basis of the conclusion of the medical commission and the application of the elderly person (his guardian).

How to apply for a social worker to care for a pensioner?

Attention

After considering all aspects, the social service is obliged to inform the applicant about the results of the consideration of the application. In case of a positive decision, an appropriate agreement is concluded between the parties, within the framework of which a certain list of services will be provided;

  • often the care of aged parents over 80, often disabled, is taken over by their children.

As a rule, by this time the children themselves are often retired or forced to change jobs due to a changed situation in the family (parental illness).

Where to become a guardian However, Russian legislation quite clearly regulates the issues of caring for elderly parents. According to current regulations, only able-bodied citizens who do not work in other organizations can be engaged in care.


In addition, busy social work retired, the latter does not rely.

List of benefits and payments that are due to pensioners after 80 years

Pension increase The main income of an elderly person is income from pension fund Russia (FIU). There is a provision according to which this payment is increased.
But unfortunately, not all and not always. However, there are other benefits after the age of 80 that apply to all citizens of this category. As for pension payments, then this needs to be sorted out.

Info

They consist of the main (fixed part) and additional allowances. After the 80th anniversary, only the first part increases.

It is doubled. So, in 2018, the fixed piece is 4805.11 rubles. Consequently, pension accruals for the elderly will double and amount to 9610.22 rubles.

This allowance for citizens who have crossed the 80th anniversary is established only on a labor pension. The rule does not work if a person receives pension maintenance of a different nature.

Patronage for a pensioner over 80 years old

  • For young people aged 15 to 18, a certificate from educational institution about the course of study.
  • For teenagers from 14 to 15 years old:
  • the above certificate from the school;
  • written work permit:
  • one of the parents or guardian;
  • body of guardianship and guardianship;
  • a copy of the birth certificate (proves the fact of parenthood for the above document).

In some cases, other documents may be required. They are determined individually based on the specific situation. Making a decision on the appointment of a payment All the above-mentioned papers a specialist of the Pension Fund must check and accept. Applicants will receive a receipt for this. The state body is given ten working days to make a decision on the case.

What are the benefits for pensioners after 80 years in the world?

  • If the claims of persons are satisfied, payments are accrued from the month in which the appeal occurred. However, the allowance is not paid for the period when the person was not entitled to it (he worked or the elderly person was not yet 80 years old).
  • In case of refusal, the FIU specialist is obliged to notify the applicants, disclosing in detail the reason for the decision.
  • The amount of payment in 2018 is 1200 rubles. In the regions of the Far North and equated regions, a regional coefficient is applied.
  • In practice, it is often necessary to convey some other documents. Therefore, it is advisable for applicants to be interested in the progress of the case, so as not to be refused and not to start all over again. Other preferences for 80-year-old citizens In addition to the above cash payments, older citizens are provided with other types of support.

How to hire a social worker for a pensioner?

How to hire a social worker for a pensioner? It’s sad when a person in his old age has no one to even give a glass of water to: children and grandchildren have left or they don’t exist at all, and it’s hard for an elderly grandmother or grandfather to do basic things: go shopping, take out the trash, etc. In our country, older people The state helps in the person of social workers.

How to apply for a social worker to care for the elderly, who is entitled to assistance from the state, and in what cases can a pensioner be refused? Who is eligible for an aged care worker? The following categories of the elderly population can count on the help of social workers:

  • women over 55;
  • men over 60.

At the same time, the social worker is assigned to the person who lives in the apartment (house) on his own, he cannot take care of himself, move normally, is deprived of the support of relatives, friends and relatives.

403 forbidden

But they have certain limitations. Article 63 of the Labor Code of the Russian Federation limits the age of citizens with whom an employment contract can be concluded to 16 years. And in our case, we are talking about official employment. In fact, the caregiver receives from the FIU wages. Download for viewing and printing: Article 64 Labor Code RF "Age from which the conclusion is allowed employment contract» In the legal framework, there is permission to employ young people from the age of 15 and even 14 in special cases.

But for them, a light labor regime is established. In addition, for 14-year-olds, permission to conclude a contract is required:

  • parent;
  • guardianship authorities.

In practice, it is quite possible to issue a care allowance for a student who celebrated his 14th birthday.

But for this you will have to collect additional papers.

Retirement after 80 years in Russia

After that, he will be offered to conclude a contract for the provision of services. It is concluded from the date of signing and is valid until the end of the calendar year.

It is important to keep in mind that if neither party notifies the other of the termination of the contract, then the document is automatically extended for another year. The contract for the provision of social services at home must contain the following information:

  1. Date, contract number.
  2. Full name of the contractor (organization that provides services), as well as the client (pensioner: his full name)

    I. O., date of birth, address of residence, passport data).

  3. The subject of the contract is the acceptance of a client for service, the provision of social services in accordance with an individual plan.
  4. Obligations of the parties to the contract.

Care allowance for the elderly over 80 in 2018

According to the ministry, among the most popular social services are the purchase and delivery of food, industrial essential goods, medicines, water delivery (to homes that do not have central water supply), payment for housing and communal services and communication services, psychological help. For those who have partially or completely lost the ability to self-service - sanitary and hygienic services, cooking, feeding, cleaning the premises. also in Lately a service to assist in teaching computer literacy at home is becoming popular. How much should a social worker be paid? Social services at home are provided free of charge or on the basis of partial or full payment.

In this document, the specialist enters the following information:

  1. Surname, name, patronymic of the pensioner.
  2. His address, phone number.
  3. Year of birth.
  4. Category of the client, number of his pension certificate.
  5. The amount of the pension.
  6. Passport data.
  7. Place of work before the client retired. Disability.
  8. Family composition, total income.
  9. Living conditions: satisfactory, unsatisfactory.
  10. The presence of close relatives, their place of residence.
  11. Conclusion of a specialist: the pensioner needs the help of a social worker or not.

If, after examining the living conditions of the pensioner, the conclusion states that he needs outside help, then the social security authority concludes an agreement with the pensioner or his legal representative for the provision of services.

Social worker for retirees over 80

For example, if the income of a ward is 10 thousand rubles a month, and the cost of living in the region is 9 thousand rubles, then such a pensioner should be provided with social assistance free of charge. In each region, officials can set their own standards for the provision of social services to pensioners.

In some cities, even those pensioners whose pension is above the subsistence level receive social worker services for free. It's about about war veterans, honored workers of culture and art, honorary citizens of a city or country. How to hire a social worker for a pensioner? Of course, no one should and will not go door to door looking for pensioners to provide them with social services. Social workers come to the aid of only those people who themselves ask them about it. Moreover, the request must be made in writing.


2023
newmagazineroom.ru - Accounting statements. UNVD. Salary and personnel. Currency operations. Payment of taxes. VAT. Insurance premiums