COVID-19 AND SICKNESS INSURANCE BENEFITS (SELECTED ISSUES)

The Act of 2 March 2020 on special solutions related to the prevention, counteraction and combating of COVID‑19, other infectious diseases and crisis situations caused by them introduced a preferential sickness allowance for certain insured persons (i.e. insured persons who are employed in medical entities; insured persons who are employed in social assistance organisational units providing twenty-four-hour services, night shelters and other facilities providing twenty-four-hour care to persons with disabilities, the chronically ill or the elderly; insured persons carrying out the tasks of a member of the voluntary fire brigade). The article analyses the changes made to the legal regulation and the differences between them (e.g. right to sick pay and sickness allowance or only to sickness allowance). The article also draws attention to certain irregularities in the practical application of these provisions.

Cash Benefits in Social Welfare: Transformation of Legislation and Scientific Approaches to the Definition of Employed Concepts

The article analyzes the shortcomings of the conceptual apparatus characteristic of the right for social security in designating the types of social security provided in monetary form. In particular, there is a lack of necessary definitions (including key concepts such as "benefits" and "compensation"); lack of uniformity of terms (foregoing, the term "compensation" in some sources is used in the sense of "reimbursement of costs incurred by a person", traditional for the science of labor law, and in others a "civilized" approach to compensation as payments aimed at restoring the property sphere in case of encroachments on intangible goods is applied); "doubling" of concepts (for example, the appearance of "insurance payments" along with insurance "benefits"). Based on the analysis of the current legislation, it is concluded that there is no consistent distinction between the concepts of "benefits", "compensation", and other monetary payments. Nevertheless, a retrospective analysis of the sources of social security law, as well as ideas and approaches formed in science (not without the influence of the science of labor law), allows us to define certain types of social security payments. Unfortunately, they are not always reflected in the legislation on social security, as a result of which the scientific ideas themselves are undergoing changes, in particular, the criteria determining the essence of various social security payments are being enough. It seems that the directions for improving the system of sources of social security law should be the rejection of excessive terminological diversity in determining the types of social security, as well as the orientation to the approaches developed in science to their definition.Thus, it is proposed to use the category of benefits as a universal concept, referring to it social security payments in cash, which do not have specific features of other social security payments.

Analisis Filosofis terhadap Fatwa DSN MUI No. 106 Tahun 2016 tentang Wakaf Manfaat Asuransi dan Manfaat Investasi pada Asuransi Jiwa Syari’ah

The purpose of this study is to explore the essence, substance and benefits of the DSN-MUI fatwa no. 106 of 2016 concerning waqf insurance benefits and investment benefits in Sharia Life insurance. This is a library research with primary law, DSN-MUI fatwa no. 106 of 2016. A philosophical approach was chosen in this study to describe the ontology, epistemology and axiology aspects of the fatwa. The results of this study indicate that the essence of the fatwa is to accommodate legal needs in the synergy of waqf and sharia insurance in order to maximize the benefits of waqf and sharia insurance for the wider community.

Applying for and receiving unemployment insurance benefits during the coronavirus pandemic

During the coronavirus disease 2019 pandemic in the United States, claims for unemployment insurance (UI) benefits rose sharply because of the substantial job loss and the expansion of UI programs. To improve upon UI administrative data, in this article, we use the Household Pulse Survey to estimate the number of people who applied for UI benefits, the number of people who received benefits, and the success rate of UI applicants (the share of applicants who received benefits) during the first 9 months of the pandemic. We examine differences by demographic group, educational attainment, and prepandemic household income. In addition, we relate state-level estimates to UI recipiency before the pandemic, job loss during the pandemic, and the differential spread of the coronavirus across states. Compared with individuals who applied for UI benefits but did not receive them, we find that individuals who received benefits had greater well-being in a variety of domains, including household finances, food security, and mental health.

Faktor-Faktor yang Berhubungan dengan Keputusan Klaim Asuransi Kesehatan Kumpulan PT. SGMW Motor Indonesia pada Pialang Asuransi PT. Cipta Integra Duta

Introduction: Commercial health insurance companies can cater to the diverse desires of individuals. However, as a consequence, the company will design various products according to public demand with certain terms and conditions in the policy. This study aims to determine the factors associated with the insurance claim decision of the group of PT. SGMW Motor Indonesia at Insurance Broker PT. Cipta Integra Duta 2020. Methods: This analysis uses independent submission variables that are claimed from completely rejected claims, accepted and claimed claims in their entirety and the dependent variable is insurance membership status, completeness of files, over-limit claims, health insurance benefits, non-original claim documents and resources. analysis of claims and insurance guarantee letters. This research data was obtained from secondary data in the form of claim data from PT SGMW Motor Indonesia for the period of coverage from January 1, 2020 to December 31, 2020 as an accumulation of the results of the analysis of claims from the insurer PT. International Services Pacific Cross with a total sample of 7,123. Statistical method using non-parametric comparative test analysis was performed on two variables using the Chi Square method. Results: The factors that were most related to the decision that were claimed in whole and claimed to be partially accepted were the health insurance benefits factor with a p value of 0.001 and human resource analysis claims with a p value of 0.000. Discussion: Therefore, it is necessary to improve the quality of human resources for claims analysts who work in the health insurance sector either by training, certification, seminars and periodic socialization, as well as socializing insurance benefits and advocating for insurance companies suspected of fraud in their claims analysis, so that public trust in insurance is needed, can grow.

Fiabilidad y validez de un instrumento que mide el emprendimiento

The process that goes from prospective decisions (oriented to risks of maximum profits with respect to minimum insurance benefits) to delibe-rate actions (oriented by avoidance of failures, based on the systematization of errors and successes) is addressed in the present work, aiming to specify a model for the study of Internet entrepreneurship. A non-experimental study was carried out with a non-probabilistic selection of 135 entrepre-neurs. From a structural model, the reflective factor of the construct was found to be deliberate actions, but such findings are only applicable to the sample since the type of study, sampling, and statistical analysis suggest the contrast of the model in other scenarios would increase the percentage of the explained variance of its factors, that added to 57% in this case.

TINJAUAN HUKUM ISLAM TERHADAP PENERAPAN SISTEM WAKAF MENURUT FATWA NO. 106/DSN-MUI/X/2016

AbstrakPokok masalah dalam Penelitian ini mengkaji tentang bagaimana tinjauan hukum Islam terhadap penerapan system wakaf polis menurut fatwa No. 106 DSN-MUI/X/2016 di PT. Prudential Life Assurance Agency Prucahaya Makassar. Jenis penelitian ini adalah penelitian lapangan (field research) menggunakan metode kualitatif dimana dilakukan dengan pendekatan teologis normatif, sosiologis dan fenomenologi dengan sumber data dari PT. Prudential Life Assurance Agency Pruchaya Makassar, selanjutnya metode pengumpulan data yang dilakukan adalah observasi, wawancara, dokumentasi dan studi pustaka, kemudian teknik pengelolaan data dilakukan melalui beberapa tahapan diantaranya: reduksi data, melakukan pengelolaan data dan pengujian keabsahan data. Hasil penelitian ini menunjukkan bahwa bagaimana penerapan system wakaf polis di PT. Prudential Life Assurance Agency Prucahaya Makassar terdapat beberapa unsur terkait idalamnya yaitu, kesesuaian aturan fatwa terhadap pelaksanaan perusahaan Prudential Syariah yang bekerja sama dengan lembaga wakaf dalam mengelola dana yang diwakafkan. Kesesuaian pernyataan form ikrar wakaf di Prudential Syariah batas maksimal yang sesuai ketentuan fatwa pada wakaf manfaat sebesar 45% dan wakaf manfaat sebesar 1/3 dari keseluruhan kekayaan atau tirkah serta kesesuaian prinsip syariah pada akad wakaf yang digunakan pada kontrak polis menggunakan akad tabarru dan menggunakan akag wakalah bil ujrah sebagian manfaatnya boleh di wakafkan. Dalam hal ini system wakaf polis sebagai salah satu produk dari unik link syariah di PT. Prudential Life Assurance Agency Prucahaya Makassar telah sesuai dengan syariat Islam ditinjau dari fatwa No. 106 DSN-MUI/X/2016 tentang wakaf manfaat asuransi dan manfaat investasi.Kata Kunci: Fatwa, Hukum Islam, Sistem Wakaf. AbstractThe main problem in this research is reviewing how the review of Islamic law against the managementof the policy waqf system according to fatwaNo. 106 DSN-MUI/X/2016 in PT. Prudential Life Assurance Agency Prucahaya Makassar. This type of research is field research usingqualitativemethods which are carried out with normative theological, sociological and phenomenological approaches with data sources from PT. Prudential Life Assurance Agency Pruchaya Makassar,, then the method of data collection carried out is observation, interview, documentation and literature studies, then data management techniques are carried out through several stages including: data reduction, data management and data validity testing The results of this study show that how the implementation of the policy waqf system in PT. Prudential Life Assurance Agency Prucahaya Makassar there are several elements related to its idalam, namely, the suitability of fatwa rules against the implementation of Sharia Prudential companies that cooperate with waqf institutions in managing funds that are pledged. Conformity of waqf pledge form statement in Prudential Syariah maximum limit in accordance with the provisions of the fatwa on the waqf benefit of 45% and the waqf benefit of 1/3 of the overall wealth or tirkah and the suitability of sharia principles in the waqf contract used in the policy contract using tabarru agreement and using akag wakalah bil ujrah some of the benefits can be wakafkan. In this case the system wakaf polis as one of the products of unique sharia links in PT. Prudential Life Assurance Agency Prucahaya Makassar has been in accordance with Islamic law reviewed from fatwa No. 106 DSN-MUI/X/2016 on the endowment of insurance benefits and investment benefits.''Keywords: Fatwa, Islamic Law, Waqf System.