What's next for social protection in light of COVID-19: challenges ahead - IPC-IG

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What's next for social protection in light of COVID-19: challenges ahead - IPC-IG
A publication of
                                  The International Policy Centre for Inclusive Growth

                                            Volume 19, Issue No. 2 • June 2021

              What's next for
  social protection in light of
COVID-19: challenges ahead
What's next for social protection in light of COVID-19: challenges ahead - IPC-IG
Policy in Focus is a regular publication of the
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What's next for social protection in light of COVID-19: challenges ahead - IPC-IG
What's next for social protection in light of COVID-19: challenges ahead - IPC-IG
Published by the International Policy Centre for Inclusive Growth (IPC-IG)     Art and Desktop Publishing: Flávia Amaral and Priscilla Minari

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What's next for social protection in light of COVID-19:                        the exchange of ideas about development issues. The papers are signed by
challenges ahead                                                               the authors and should be cited accordingly. The findings, interpretations,
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Specialist Guest Editors: Aline Peres, Roberta Brito,                          Acknowledgements: The Editors would like to thank the whole
Charlotte Bilo and Mariana Balboni (IPC-IG)                                    socialprotection.org team and all partners who made the e-conference
                                                                               ‘Turning the Covid-19 crisis into an opportunity: What’s next for social
In-house Editor: Manoel Salles                                                 protection’ (5-8 October 2020) possible. This issue is a direct result
                                                                               of the conference.
Publications Manager: Roberto Astorino

Copy Editor: Jon Stacey, The Write Effect Ltd.                                 ISSN: 2318-8995
What's next for social protection in light of COVID-19: challenges ahead - IPC-IG
Summary

 7         Universal child benefits: The pathway to universality in COVID-19 times
        David Stewart, Atif Khurshid, and Aristide Kielem

10         Gender-responsive social protection in times of COVID-19
        Clare McCrum

13         Bridging the disability inequality gap: Changes needed for an inclusive
        COVID-19 response and recovery
        Alexandre Cote

16         Older people’s income security and access to social protection during COVID-19 and beyond
        Florian Juergens, Usa Khiewrord and Aura Sevilla

19         Extending unemployment protection as a response to the COVID-19 crisis
        and as part of efforts to build back better
        Céline Peyron Bista, Quynh Anh Nguyen and Maya Stern-Plaza

22         Health protection and sickness benefits to face the COVID 19 pandemic in Asia
        Maya Stern-Plaza, Lou Tessier, Luis Frota, and Knut Lönnroth

25         Migrant-responsive social protection: Lessons from COVID-19
        Gift Dafuleya, Marius Olivier, Jason Theede, Giulia Baldi and Teona Aslanishvili

28         Transitioning from emergency transfers: What is the future of universal basic income?
        Louise Haagh, Mansour Ndiaye and Claudia Vinay

30         Placing food security and nutrition at the heart of social protection policy
        and programming now and in the future
        Juan Gonzalo Jaramillo Mejia

33         Microsimulation analysis: A useful tool for the development of social policy
        in times of uncertainty
        Gerardo Escaroz and José Espinoza-Delgado

36         Financing universal social protection during COVID-19 and beyond:
        Investing more and better
        Mira Bierbaum, Markus Kaltenborn, Valérie Schmitt and Nicola Wiebe

39         Opportunities for strengthening the links between humanitarian cash transfers
         and social protection: Lessons from COVID-19 responses
        Roberta Brito, Patricia Velloso Cavallari and Lois Austin
What's next for social protection in light of COVID-19: challenges ahead - IPC-IG
Editorial

    In 2020, the extensive consequences of the COVID-19         Day 3 was reserved for side events organised by some
    crisis placed social protection even more squarely at       of our partners. Finally, on the fourth and final day of the
    the centre of attention. As the health, economic and        event, special guests reflected on the discussions, lessons
    social impacts of COVID-19 echoed all over the world,       learned and conclusions of the previous days.
    social protection programmes were urgently developed,
                                                                As a collaborative platform, socialprotection.org aimed
    adapted, or extended to support those most affected.
                                                                at providing an extensive range of methodologies during
    From cash transfers to subsidies, many programmes
                                                                the conference, with a focus on giving each attendee
    and strategies have been implemented worldwide. The
                                                                the opportunity to make their own personal learning
    importance of strengthening national systems to provide
                                                                journey, develop practical take-aways and action points
    comprehensive and adequate social protection to all has
                                                                from the conference, and share results during the event
    become more evident than ever. However, countries with
                                                                and beyond. Adapting face-to-face engagement to
    more solid social protection foundations have been able
                                                                online formats, with participants from different countries
    to respond more rapidly and efficiently.
                                                                and institutions, was a learning experience itself and
    In this context, in celebration of socialprotection.org’s   demanded meticulous planning and creativity from
    5-year anniversary, a global online event took place        our team members and partners, who worked around
    focusing on the global health crisis. The e-Conference      the clock to make this conference as participatory and
    “Turning the COVID-19 crisis into an opportunity:           inclusive as possible.
    What’s next for social protection?”, from 5 to 8
                                                                To further disseminate the e-conference’s key discussions,
    October 2020, gathered the global social protection
                                                                the socialprotection.org platform and the International
    community to provide a unique opportunity for
                                                                Policy Centre for Inclusive Growth (IPC-IG) have
    learning and collaboration.
                                                                developed two special Policy in Focus issues. The first
    The conference functioned as a virtual live learning        issue, What’s next for social protection in light of COVID-19:
    space to share innovative ideas and practical insights,     country responses, was released in March 2021. It focused
    and brainstorm about the future of social protection in a   on experiences from countries in Asia, the Middle East
    post-pandemic world. To ensure the active participation     and North Africa, sub-Saharan Africa, and Latin America
    of a broad and diverse audience, a total of 72 sessions     and the Caribbean, as well as the overall lessons for the
    across three different time zones were organised,           future, including shock-responsive and universal social
    with inputs from partners and collaborators across          protection. This second issue provides a thematic focus,
    55 different organisations. Some sessions were held         delving in more depth into the main topics discussed
    in English, French and Spanish, with simultaneous           during the round tables, such as financing, universal
    translation. This effort guaranteed the involvement of      basic income, linkages to food security and employment,
    more than 2,100 participants among social protection        as well as gender-, child-, and disability-sensitive
    practitioners, policymakers, academics, and enthusiasts     programmes, among others. All articles were written
    from all over the world.                                    by panellists and/or organisers of the conference.
    On the first day of the conference, unique sessions         We hope that the following set of articles contributes
    focused on various social protection responses across       to the debate by communicating the urgency and
    three different regions: Asia-Pacific, Middle East and      importance of providing comprehensive and adequate
    North Africa, and Latin America and the Caribbean.          social protection to all—especially in times of crisis.
    Day 2 applied a thematic approach to address specific
    questions related to COVID-19 and beyond through
    round tables, expert clinics, and virtual booth talks.      Aline Peres, Roberta Brito, Charlotte Bilo and Mariana Balboni

6
What's next for social protection in light of COVID-19: challenges ahead - IPC-IG
Universal child benefits: The pathway
to universality in COVID-19 times1
David Stewart, Atif Khurshid,                                   from multiple studies, including Moodley             in addition to the potential benefits
and Aristide Kielem 2                                           et al. (2018), shows that child benefits             of UCBs, is at what stage in the process of
                                                                have a positive impact on spending on                development should countries move
Investing in children first and foremost fulfils                children’s health, education, nutrition and          towards universal programmes, and
their rights and is fundamental to long-                        protection. But with only one in three               what are the first steps?
term development. However, the onset of                         children having access to child or family
the COVID-19 crisis has jeopardised recent                      benefits, children are under-represented             First, simulations in middle-income
progress that has been made in improving                        in terms of social protection, especially in         countries show that child benefit
the situation of the world’s children and                       low- and middle-income countries (LMICs)             programmes cost about 1 per cent of a
achieving the Sustainable Development                           (ILO 2017).                                          country’s gross domestic product (GDP)
Goals (SDGs). A recent technical note                                                                                and have the potential to reduce child
by UNICEF and Save the Children (2020)                          A report by ODI and UNICEF (2020)                    poverty by as much as 20 per cent (ODI
has shown the tremendous impact that                            analyses the policy issues and options               and UNICEF 2020), with the potential to
COVID-19 is having on child poverty. While                      for universal child benefits (UCBs),                 revert the adverse effects of COVID-19 on
586 million children were living in poverty 3                   highlighting the potential of providing              child poverty. It should be remembered
before the COVID-19 crisis, an additional                       child benefits irrespective of the                   that UCBs reduce administrative costs and
142 million children were at risk of living                     household’s welfare. This article presents           avoid exclusion errors.
in monetary-poor households (based on                           the reasons for the need to consider UCBs
national poverty lines) by the end of 2020                      in the context of the COVID-19 crisis and            Second, UCBs have the potential to bind
(see also Figure 1). Children are not only                      the building blocks for achieving such an            societies with shared responsibility for
more likely to live in poverty, but poverty                     important milestone for our future.                  supporting children and raising the next
has particularly severe impacts on them.                                                                             generation. In Finland, for example, UCBs
Rarely do children get a second chance                          Arguments for universality                           and other universal programmes were
at nutrition, health care, education and                        A significant number of countries have               foundational in bringing the country
protection. The effects can be immediate                        moved towards child benefits on top of               together after the civil war in 1918 and in
and life-long, and, of course, what affects                     traditional social services access initiatives.      greatly reducing infant mortality, making
children now will be felt fully by societies                    ODI and UNICEF (2020) found that, as of              it one of the lowest in the world. This
and economies as they become the next                           2019, 108 out of 180 countries analysed              shared purpose, along with benefits for
generation of adults.                                           have a periodic child or family allowance.           children across the income spectrum,
                                                                However, only 23 countries, mainly in                can lead to greater political support for
A proven powerful tool to address child                         Europe, provide a UCB in the form of a               universal benefits, leaving them more
poverty and the impact of COVID-19 is                           non-contributory universal child or family           resilient to political change.
the provision of child benefits. Evidence                       cash allowance. The crucial question,
                                                                                                                     Third, Finland’s experience teaches us
                                                                                                                     how universality can provide dignity
                                                                                                                     to people living in poverty by avoiding
    FIGURE 1: Prevalence of children living in monetary-poor households,                                             stigmatisation of targeted programmes.
              2019–2021 (projected)                                                                                  Awareness is growing over the long-term
                                                                                                                     adverse impacts of the stigma of living in
                                                                                                                     poverty (including on dignity and inclusion
                                        40                                                                           in social life), which can be exacerbated by
                                                                38.40%
     Children living in monetary-poor

                                        39                                                                           programmes that target and tag recipients
                                        38                                               37.00%                      as being in need. For children, this can
                                        37
              households (%)

                                                                                                                     be particularly pernicious, as aspirations
                                        36
                                        35
                                                                                                                     and expectations for the future are set in
                                        34                                                                           childhood. Universal programmes, by not
                                        33   32.20%
                                                                                                                     singling out children and families, can avoid
                                        32                                                                           these negative impacts.
                                        31
                                        30                                                                           Finally, with higher rates of coverage,
                                             2019 (pre-COVID)    2020                    2021                        UCBs are more in line with principles of
                                                                                                                     equality and non-discrimination and are
Source: UNICEF and Save the Children (2020).                                                                         also in line with human rights principles.

                                                                                                  The International Policy Centre for Inclusive Growth | Policy in Focus   7
What's next for social protection in light of COVID-19: challenges ahead - IPC-IG
“A significant number
    of countries have moved
    towards child benefits on
      top of traditional social
    services access initiatives.

                                                     Photo: Acacio Pinheiro/Agência Brasilia. Child during the COVID-19 pandemic, Brasília, Brazil, 2020 .

    However, while UCBs can be considered a          same or a higher level of wealth than that                 of GDP per capita were given to each child
    cornerstone of social policies, there are some   of countries with UCBs, such as Ireland at                 under 5, a UCB could cost, after 15 years,
    important considerations to keep in mind:        the time it introduced its programme.                      less than 1 per cent of GDP in South Asian
                                                     This means that most LMICS can and                         countries, and reach much higher coverage
    y   For children, quality social services are    should introduce UCBs now.                                 within all welfare deciles than targeted
        essential. Increasing resources in the                                                                  cash transfer programmes.
        home can make a huge difference,             However, given the financing constraints
        but if quality social services are not       to establish strong UCB systems, a gradual                 The COVID-19 response:
        available where and when needed,             implementation can be a great pathway                      Risks and opportunities
        children’s rights will not be fulfilled.     to universality. It is important for some                  For low-income countries, development
                                                     countries to start with smaller programmes                 assistance, including increased social
    y   Universal benefits must be part of           and build towards universality, as was                     protection-focused budget support
        comprehensive social protection              the case for most countries ranging from                   and debt relief, will play a crucial role in
        systems. Social protection systems           Sweden to South Africa. Nepal, a relatively                the realisation of UCBs. This becomes
        must protect against risks across the        poor country, has managed to commence                      indispensable with the impact of the
        life cycle—including working-age             child benefits.                                            COVID-19 crisis on countries’ fiscal
        benefits such as insurance against                                                                      situation. Data from the International
        unemployment, ill health and old             Countries will need to increase available                  Monetary Fund (IMF 2020) show that while
        age—and may include elements of              financing through domestic resource                        external debt is expected to continue
        selectivity, with special consideration      mobilisation, transparency and efficiency.                 to rise in sub-Saharan African countries,
        for groups with particular needs, such       How child benefits and social protection                   government revenue and GDP will
        as women, and people with disabilities.      systems are financed makes a difference                    experience a historic low, with the first
                                                     in the effectiveness of the social tissue.                 economic recession in the region since
    Momentum and financing                           It is important to ensure progressivity of                 the 1990s.
    pathways to universality                         taxation and transfers. In countries such
    The main challenge for UCBs is, of course,       as Mongolia and Zambia, taxation of                        In recent months we have seen
    financing. Current evidence shows that           natural resources has played a crucial role.               unprecedented social protection
    the cost of UCBs for a country varies            In Thailand and Costa Rica, child benefits                 responses, highlighting both the urgent
    depending on the size of the child               have been supported by internal resource                   need for expanded approaches to social
    population, the benefit level and the size       reallocation, including from the military.                 protection, but also that rapid and
    of the economy. Obviously, it could cost                                                                    significant change is possible. It also
    a significant share of the national income       Nonetheless, the cost of a UCB for children                demonstrates the need to relieve the
    to implement UCBs with transfer amounts          aged 0–4 years—a crucial development                       debt of low-income countries to allow
    significant enough to make a difference,         window—would cost 0.9 per cent of GDP                      financing of responses.
    especially in LMICs.                             in low-income countries, and 1.1 per cent
                                                     in middle-income countries for a more                      Countries with strong programmes,
    Available evidence shows that universal          generous transfer for children aged 0–14                   including universal or quasi-universal child
    programmes are not out of reach (UNICEF,         years. A costing case study by UNICEF                      benefits, provide better initial protection
    forthcoming), with many LMICs having the         (forthcoming) shows that if 3.5 per cent                   for children from shocks and are easily able

8
What's next for social protection in light of COVID-19: challenges ahead - IPC-IG
to scale up their programmes to protect                 ILO. 2017. World Social Protection Report
                                                        2017–19: Universal social protection to
them during response and recovery.
                                                        achieve the Sustainable Development Goals.
In Mongolia, for example, the government                Geneva: International Labour Office.
increased the monthly benefit of the Child              .
Money Programme by five times from                      Accessed 18 November 2020.
MNT20,000 to MNT100,000 per month for                   IMF. 2020. “World economic outlook.”
6 months. South Africa’s Child Support                  International Monetary Fund website.
Grant, which reaches 12.8 million children,             .
                                                        Accessed 18 November 2020.
is providing additional top-ups to respond
to COVID-19, and in Germany, payment                    ODI and UNICEF. 2020. Universal child benefits:
amounts of the Kindergeld programme                     policy issues and options. London: Overseas
                                                        Development Institute, and New York:
have been temporarily increased, and                    United Nations Children’s Fund. . Accessed 18 November 2020.

                                                        Moodley, Jacqueline, Jenita Chiba, and Leila
Conclusion                                              Patel. 2018. “The Influence of the Child Support
UCBs are gaining importance in the social               Grant on Education and Health Capabilities
policy discussion, especially in the context            of Children.” Southern African Journal of Social
                                                        Work and Social Development 29(2): 18. doi:
of the short- to long-term impacts of                   10.25159/2415-5829/2389.
COVID-19. Despite political economy issues
related to coverage and financing being of              UNICEF. Forthcoming. “Universal Child Benefits:
                                                        a proposal to transform the lives of children
utmost importance, UCBs are more feasible               across South Asia.” Working Paper. Kathmandu:
and affordable than they appear, especially             United Nations Children’s Fund Regional Office
when progressive realisation is considered.             for South Asia.

                                                        UNICEF and Save the Children. 2020. “Children
However, the argument for UCBs is not                   in monetary poor households and COVID-19:
that they are inexpensive, but that they are            Technical Note.” UNICEF website. . Accessed 30 November 2020.
effective and can be the cornerstone of a
child-sensitive social protection system.
No child should see their potential
                                                        1. This article builds on the round table
unfulfilled due to the lack of a small amount           ‘Universal child benefits: Pathways to
of financial resources in the household, yet            universality’ held on 6 October 2020.
this is the case for hundreds of millions,              For the recordings and more information, see:
                                                        .
societies are hard to contemplate. UCBs are             2. Child Poverty and Social Protection,
not a silver bullet, and the path to providing          United Nations Children’s Fund (UNICEF).
them will not be easy, but if ever there were           3. There were 586 million children in households
                                                        living under nationally defined poverty lines (the
a time to take the steps to reimagine social            minimum level of welfare deemed necessary to
policy for children, that time is now.                  afford basic needs in a specific country).

                                                                                                                  “    No child should see
                                                                                                                  their potential unfulfilled
                                                                                                                             due to the lack
                                                                                                                     of a small amount of
                                                                                                                        financial resources
                                                                                                                           in the household.

Photo: AmslerPIX. Family receives food supplies, Guatemala, 2020 .

                                                                                            The International Policy Centre for Inclusive Growth | Policy in Focus   9
What's next for social protection in light of COVID-19: challenges ahead - IPC-IG
Gender-responsive social protection
 in times of COVID-191
 Clare McCrum 2                               be relevant for future health, climate and     COVID-19 has shone a spotlight on the
                                              economic shocks. When scale and speed          importance of social protection as a key
 COVID-19 has not been the great              are the only two dominant policy objectives,   policy instrument to respond to crisis and
 equaliser: while men have suffered           everything else takes a backseat.              increase resilience. It has also highlighted
 higher mortality, women and girls have                                                      low levels of existing coverage, particularly
 been disproportionately affected by the      When a social protection response is           in low-income countries and among some
 socio-economic impacts of the pandemic       delivered quickly, at scale, but does not      of the most vulnerable groups (ILO 2020;
 (UN Women 2020a). From staggering            meet the needs of half of the population,      Alfers, Ismail, and Valdivia 2020). We must
 increases in unpaid care responsibilities    this means the sector is failing to meet       use this moment to make real, sustained
 to the shadow pandemic of gender-based       its core objective. Social protection          progress on gender-responsive social
 violence (UN Women 2020b), women             systems must support women and men             protection. If we do not enact the necessary
 have been on the front line, providing       in times of crisis, enable them to stay        reforms, this crisis will happen again, and
 health and care services—both paid and       in work or protect them when they              again women and girls will lose income
 unpaid—and were often among the first        cannot. They must be able to prevent           and education, as they are financially
 to suffer from lockdowns that brought the    negative coping strategies for all, and this   unprotected while continuing to bear the
 most vulnerable sectors of the informal      includes preventing negative gendered          disproportionate burden of care work that
 economy to a standstill.                     coping strategies such as child marriage,      is essential to keeping our households,
                                              transactional sex and permanent                communities and economies going.
 The speed and scale of the response,         education losses. These are not optional
 while not perfect, nor sufficient to meet    extras, but central to the objectives of       If we do not know who and
 growing needs, has nevertheless outdone      social protection.                             where people are, we cannot
 any previous crisis response. A total of                                                    respond to them in a crisis
 1,414 social protection interventions in     However, our social protection systems         Data both enable and constrain decision-
 215 countries (World Bank 2020) have         are not yet delivering for some of             making—identifying who is most in need
 been designed to respond to growing          the most vulnerable women and girls.           now, who will be most in need in various
 unemployment, and restrictions on            Our systems are too often failing to address   future scenarios, where they are, and how
 mobility and economic activity. The crisis   gendered poverty, risks and vulnerabilities    they can best access services. These data
 has resulted in technical innovation and     and are failing to maximise the potential      are not neutral, and failing to understand
 unprecedented levels of financial and        of social protection to support gender         gendered poverty, vulnerability and access
 political support for social protection      transformation, including preventing           to protective assets and other resources
 (Gentilini 2021).                            violence against women and girls,              inhibits the ability of governments and the
                                              and supporting women’s economic                international community to respond to
 Yet, despite the evidence of the socio-      and social empowerment.                        different needs.
 economic impact and burden of unpaid
 care on women, only 18 percent of social     To ensure that crisis responses address        Even before a shock, many data systems
 protection responses were gender-            gendered vulnerabilities and needs,            are not set up to accurately inform
 sensitive—addressing women’s economic        and support women’s agency and                 policymakers of the gendered coverage or
 security or increased burden of care         empowerment, social protection systems         impact of social protection interventions.
 (UN Women and UNDP 2020). This raises        must be designed to address these              Despite the strength of evidence on
 the question, why did policy responses       concerns in times of stability. Gender         social protection as an effective poverty
 not adequately respond to the gendered       matters in every element of social             reduction instrument, there is still limited
 impact of the crisis? What enables           protection design: which instruments are       evidence on what types of instruments
 and blocks gender-responsive social          prioritised, who qualifies for support, how    deliver what types of results for different
 protection, and what do we need to           programmes are funded, how they are            groups (ODI 2017). Data are even more
 do to prepare for the next crisis?           delivered, and who is consulted on these       limited on how women and men respond
                                              decisions. If we have programmes that          differently to shocks, what gendered
 We expand what we have—if systems            target women,3 address gendered life-          information should be collected for
 do not address gender now, they              cycle events and vulnerabilities, recognise    early warning purposes, and how social
 will not address gender in a crisis          flexibility in employment patterns and         protection information systems can
 In a crisis, scale and speed are the most    provide links to quality services, and we      generate information to inform inclusive
 important elements of public policy          build these so that they can be scaled up,     decision making (SPACE 2021). Reliable
 responses. They were important for           a crisis response is much more likely to be    data on gendered coverage and adequacy
 COVID-19 responses and are likely to         gender-responsive.                             of different types of social protection are

10
Globally, and without exception, most care
                                                                                                                 work is done by women (ODI 2020; ILO
                                                                                                                 2018). Much of it is unpaid, and when it is
                                                                                                                 paid there is often a low value assigned
                                                                                                                 to it. This is in part because it is seen as
                                                                                                                 ‘women’s work’, expected to be done for
                                                                                                                 free, and largely driven by gendered norms
                                                                                                                 around what is valuable to economies.

                                                                                                                 Women’s unpaid care burden reduces
                                                                                                                 their capacity to participate in other
                                                                                                                 economic activity and is a major barrier
                                                                                                                 to their economic empowerment (UNHLP
                                                                                                                 2017). Women’s overrepresentation in
                                                                                                                 the provision of poorly paid care services
                                                                                                                 also undervalues their work and leads to
                                                                                                                 lower levels of employment-related social
Photo: UNICEFEthiopi/2020/NahomTesfaye. Woman carries her child, Addis Ababa, Ethiopia, 2020 .     protection coverage.

                                                                                                                 Social protection policy can play a larger
not widely available, and there is very                protection. Organisations with reach,                     role in addressing the gendered burden of
limited ex ante, or ex post, analysis of               credibility and trust have brokered                       care, but this requires more commitment,
gendered impacts of different forms                    relationships to facilitate this expansion.               shared learning and common advocacy.
of social protection expansion in                                                                                This may include recognising care as an
response to different types of shock.                  This raises long-term questions: how will                 essential service alongside health and
                                                       governments, civil society and the private                education and providing social protection
COVID-19 has demonstrated the potential                sector sustain dialogue and continue this                 coverage for people currently providing
of data to enable rapid expansion of                   partnership to ensure adequate coverage                   unpaid care, recognising it as an activity
social protection, but these data must                 of social protection for all? How do we                   with social and economic value.
enable policymakers to understand and                  value and sustain women’s leadership in
disaggregate the impacts of shocks by                  driving social policy innovation to ensure                Innovations in social protection design
gender. This means that social protection              women leaders are central to decisions on                 and delivery could help to shift gender
systems and early warning systems must                 recovery policy?                                          norms related to caregiving—incentivising
collect gender-disaggregated data as                                                                             shared family responsibility, adapting
standard to enable disaster response                   It is essential that we build alliances,                  social insurance mechanisms to recognise
plans to reflect the gendered impact of                including a more genuine partnership                      gendered employment trajectories,
different policy choices, and we must                  with women’s rights organisations,                        providing care credits, designing social
monitor and evaluate the gendered                      organisations of people with disabilities,                insurance to allow for multiple employers
impact of these responses.                             faith groups and workers’ collaboratives.                 and reducing minimum employment
                                                       Sustained partnership will enable a deeper                thresholds (ODI 2020), and linking cash to
We can only close the gender coverage                  understanding of who is currently excluded,               care services and gender-transformative
gaps when we act in partnership                        expanding coverage and trust with these                   interventions. There is an urgent need
In many countries there has been an                    groups, and improving accountability for                  to generate more evidence on the role
unprecedented local-level response to                  the delivery of social protection.                        of contributory and non-contributory
COVID, with local leadership, often led                                                                          social protection in recognising, reducing,
by women front-line workers, forming                   We have a care crisis, and social                         revaluing and redistributing care work,
the backbone of the response. Female-                  protection must play a greater                            and this should be prioritised by social
dominated sectors, including health care,              role in addressing the uneven                             protection researchers and policymakers.
education and childcare, have not only                 distribution of care
continued to provide critical care but                 Care work is work that includes caring                    At a minimum, we must commit to stop
also the infrastructure to link vulnerable             for other people (children, elderly people,               inadvertently reinforcing harmful gender
communities to services and social                     those with additional care needs),                        norms related to caregiving by, for example,
protection programmes.                                 cleaning, cooking, and fetching water                     emphasising women’s need to meet certain
                                                       and firewood. This is all essential work that             conditions associated with some social
Community mobilisation and partnerships                enables households, communities and                       assistance that add to their time burden.
between government, civil society,                     businesses to function. As COVID-19 has
informal workers, cooperatives and the                 demonstrated, when some elements of this                  What does this mean for the future?
private sector have achieved incredible                care are withdrawn, entire economies can                  The global social protection response
adaptations in the provision of social                 grind to a halt.                                          to COVID-19 has demonstrated that

                                                                                              The International Policy Centre for Inclusive Growth | Policy in Focus   11
“
                              technical problems can be overcome.                  ILO. 2020. Social protection responses to the
                              Rapid expansion is possible; social                  COVID-19 pandemic in developing countries:
          Social protection   protection systems can benefit from
                                                                                   Strengthening resilience by building universal
                                                                                   social protection. Geneva: International Labour
  policy can play a larger    and be a stimulus for digital payment and            Organization. .
                                                                                   Accessed 16 March 2021.
 gendered burden of care.     uncovered populations.
                                                                                   ODI. 2017. The impact of cash transfers on women
                                                                                   and girls. London: Overseas Development
                              We are now at a crossroads—where                     Institute. . Accessed 16 March 2021.
                              is set to contract, where deficit financing
                                                                                   ODI. 2020. Social protection and the future of
                              reaches its limits, and difficult decisions          work: a gender analysis. London: Overseas
                              on prioritisation of limited resources               Development Institute. .
                                                                                   Accessed 16 March 2021.
                              We are posed with a political economy
                                                                                   SPACE. 2021. Inclusive Information Systems
                              problem rather than a technical challenge:
                                                                                   for Social Protection: Intentionally Integrating
                              what societies do we want to have, and               Gender and Disability.
                              how do we want to recover? If we are
                                                                                   UNHLP. 2017. Leaving no one behind: Taking
                              to learn the lessons of this crisis, and             Action for transformational change on women’s
                              prepare to respond more robustly to the              economic empowerment. New York: United
                              next, we must place the needs of women               Nations Secretary-General’s High-Level
                                                                                   Panel on Women’s Economic Empowerment.
                              and girls central to social protection               .
                                                                                   Accessed 16 March 2021.
                              protection design and implementation,
                              collecting data that enable policymakers             UN Women. 2020a. Policy Brief: The Impact of
                              to understand and respond to different               COVID-19 on Women. New York: UN Women.
                                                                                   . .
                                                                                   Accessed 16 March 2021.
                              the crisis of care that so often prevents
                              women from participating on an equal                 UN Women. 2020b. “COVID-19 and Violence
                              basis in ‘productive’, protected work.               against Women and Girls: Addressing the
                                                                                   Shadow Pandemic.” Policy Brief, No. 17. New York:
                                                                                   UN Women. . Accessed 16 March 2021.
                              will make a difference when we inevitably
                              need to respond to the next crisis.                  UN Women and UNDP. 2020. COVID-19 Global
                                                                                   Gender Response Tracker Fact Sheet, Version 1,
                                                                                   28 September. New York: UN Women and United
                                                                                   Nations Development Programme. . Accessed 16 March 2021.
                              2020. “Informal Workers and Social Protection
                              Response to COVID-19: Who got relief? How?           World Bank. 2020. Social Protection and
                              And did it make a difference?” Policy Insights,      Jobs Responses to COVID-19: A Real-Time
                              No. 2. Manchester, UK: WIEGO. . Accessed 16 March 2021.           Accessed 16 March 2021.

                              Gentilini, U. 2021. “A game changer for social
                              protection? Six reflections on COVID-19 and
                              the future of cash transfers.” World Bank blog.      1. This article builds on the round table ‘Gender-
                              Washington, DC: World Bank. . Accessed 16
                                                                                   2. Social Protection Team, Foreign,
                              March 2021.
                                                                                   Commonwealth and Development Office of the
                              ILO. 2018. Care work and care jobs for the future    United Kingdom (FCDO), and Chair of the Social
                              of decent work. Geneva: International Labour         Protection Interagency Cooperation Board
                              Organization. .              gender-sensitive; design and implementation
                              Accessed 16 March 2021.                              choices matter.

12
Bridging the disability inequality gap:
Changes needed for an inclusive COVID-19
response and recovery1
Alexandre Cote 2                                to the crisis—had mentioned specific                   1 per cent to 20 per cent (UNESCAP 2012),
                                                interventions for persons with disabilities            mostly due to different measurement
Before the COVID-19 crisis, persons with        and their families (up from 33 per cent                methods. In recent years, there has been
disabilities across regions and countries       in May 2020) (UNPRPD 2021). Often                      significant progress in disability data
were already struggling with multiple           using pre-existing programmes, the                     collection and analysis, allowing greater
barriers, leading to significant inequalities   most common measures include top-up                    comparability between countries and more
in terms of poverty, education, health,         payments to existing cash transfers and                consistency across national data systems.
work and social participation (UNDESA           in-kind support. However, it appears
2018). To overcome challenges and to            that the lack of a national disability registry,       As experiences of disability are on a
address their support needs, they face          the low coverage of existing schemes                   continuum, ranging from very mild
significant disability-related costs which      and the absence of publicly funded                     restrictions and support needs to very
few can afford, increasing their economic       support services have severely limited                 high ones, it is important to understand
insecurity and vulnerability to shocks          the capacity of most LMICs to provide                  the policy implications of estimates related
(UNPRPD 2020). Children and women               an inclusive response.                                 to different methods and thresholds used
with disabilities experience even                                                                      in surveys. If in most countries, at least 15
greater inequalities.                           Those limitations often stem from a narrow             per cent of the population would benefit
                                                perspective among stakeholders on the                  from accessibility, non-discrimination,
While removing barriers is an essential but     role of social protection for persons with             disability awareness and assistive
long-term endeavour, social protection is       disabilities, which often focuses on their             technology, it does not imply that they
critical to rapidly reduce the vulnerability    incapacity to work, rather than support                would all require disability cash transfers
of persons with disabilities and their          for their inclusion.                                   or personal assistance. For instance, among
families, and to support their economic                                                                European Union countries, in 2016, the
empowerment, inclusion and sustainable          An inclusive recovery will require social              prevalence of disablity among people
escape from poverty (ILO 2017; 2019a).          protection systems to progressively                    aged 16–64 (17.0 per cent) was much
However, while social protection systems        provide an adequate combination of cash                higher than the proportion of persons who
in many high-income countries provide           transfers and in-kind benefits, including              received a disability benefit (4.8 per cent),
quasi-universal coverage, less than 20 per      universal disability allowance and support             which often target persons with higher
cent of persons with significant disabilities   services. Beyond making existing schemes               level of support needs (Grammenos 2018).
have access to disability-related benefits      accessible (ILO 2020a), this will require
in low- and middle-income countries             better data, an understanding of disability-           Higher costs of living and lower
(LMICs) (ILO 2019b). Existing schemes are       related costs and how to address them                  income: The vicious circle of
often severely inadequate, and delivery         (ILO 2020b), an inclusive information                  disability-related costs
mechanisms inaccessible (Kidd et al. 2019).     system based on accessible disability                  Persons with disabilities along the life cycle
                                                assessment, as well as meaningful                      spend more to achieve the same standards
The COVID-19 crisis has magnified those         consultation with organisations of                     of living and level of socio-economic
obstacles and inequalities, as persons with     people with disabilities (OPDs).                       participation as those without disabilities
disabilities are particularly vulnerable to                                                            (UNPRPD and Leonard Cheshire 2020).
the pandemic due to a combination of            Making sense of data                                   They may have additional expenditures on
higher health-related risks, loss of income,    The ‘World Disability Report’ (WHO and                 both disability-specific items (wheelchairs
and disruption of formal and informal           World Bank 2011) estimated that 15 per                 or sign language interpreters) and
support systems (UNPRPD 2020). Lessons          cent of the world’s population live with               common services such as taxis,
from the 2008 financial crisis also show        some form of disability, with higher                   as public transport is not accessible.
that persons with disabilities are more         prevalence among older persons, while
likely to lose their job and to struggle        2–4 per cent experience significant                    Recent studies on the impact of disability-
in the recovery (Garrido-Cumbrera and           difficulties, face greater barriers and                related expenditures on standards of
Chacón-Garcia 2008).                            have higher support needs.                             living yielded estimates varying from
                                                                                                       10 per cent to 40 per cent of average
By December 2020, 86 countries—or 40            However, official national prevalence                  household income (Mitra et al. 2017).
per cent of those that have announced           data tend to vary widely between and                   When considering those expenses,
social protection measures in response          sometimes within countries, ranging from               poverty estimates of persons with

                                                                                    The International Policy Centre for Inclusive Growth | Policy in Focus   13
disabilities and their household increase       In recent decades there have been reforms       Beneficiaries (SIUBEN) in 2018 has allowed
 significantly (ILO 2017). However, those        in high-income countries articulating basic     the government, together with the
 estimates do not capture all the costs          income security schemes for those out           United Nations Children’s Fund (UNICEF),
 that people would face to achieve basic         of work and schemes covering disability-        to quickly identify many families with
 participation but cannot afford.                related costs, including for those working.     children with disabilities during the crisis
                                                 This is often done through a combination        and to provide them with cash transfers.
 In addition, incomes of persons with            of cash transfers (contributory and             The government of the state of Tamil Nadu
 disabilities and their household tend to        tax-financed), concessions (tax credit,         in southern India has been able to roll out
 be lower than average, as they face             discounts, free public transport etc.) and      ad hoc schemes for holders of a disability
 significant barriers in education and           services (personal assistance, assistive        card who were not previously eligible for a
 employment and because family members           technology etc.). Such an approach has          cash transfer.
 must often reduce or stop work to provide       increased coverage and provided greater
 support. This is particularly true for          flexibility in support to inclusion.            Improving the rapid identification of
 children with disabilities and people                                                           households with persons with disabilities,
 with high support needs (Hanass-Hancock         If very few LMICs have such a dual              by including disability-related questions
 and McKenzie 2017).                             approach to cash transfers, many have           in the social registry’s registration form,
                                                 adopted concessions and provide at least        is quite straightforward and should be
 Direct and indirect disability-related costs    some assistive devices free of charge           generalised. However, this does not
 also prevent persons with disabilities from     (UNPRPD 2021b).                                 provide enough comprehensive and
 seizing emerging economic opportunities,                                                        reliable information to develop and grant
 and thus widen the disability inequality        Several countries, such as Fiji, Georgia,       an adequate set of disability benefits.
 gap (Groce and Kett 2013). However, they        Namibia, Nepal and Thailand, have also          This requires individual disability
 are rarely considered in the design of social   adopted hybrid universal disability             assessment and determination
 protection systems.                             allowance schemes, compatible with work         mechanisms, which have been a challenge
                                                 and sometimes with other income support         for policymakers, who struggle with
 Towards social protection                       schemes. Those schemes’ functions vary          complexity and fear of fraud, as well as
 systems supporting socio-                       depending on individual circumstances:          for persons with disabilities, who face
 economic participation                          basic income security for those who             complicated, time-consuming and,
 Historically, the main rationale for            cannot find work, and coverage of basic         at times, undignified processes.
 disability-related social protection schemes    disability costs for those who work. While
 has been compensation for loss or lack          not as comprehensive as two different cash      Overreliance on medical assessment of
 of income-earning capacity. While there         transfers, they are an alternative first step   impairment in many LMICs severely limits
 is undeniably a need for basic income           towards flexible support for inclusion.         access to the mechanisms for people
 security, as many persons with disabilities                                                     away from major urban centres and
 face significant barriers in accessing work,    Fewer countries, such as Mauritius and          does not provide enough information
 this sole focus on incapacity to work has       South Africa, provide additional benefits       on support required by people.
 created a divide between those who can          to partially cover third-person support,        To tackle this, several countries, such
 and those who cannot work, and has              including for recipients of an old-age          as Fiji and Viet Nam, or Cambodia have
 perpetuated prejudice.                          pension or child benefit in need of such        adopted mechanisms which rely on basic
                                                 support. Thailand and Tunisia have              assessment of functional limitations and
 Social protection systems with disability       initiated personal assistance schemes.          needs for assistance which are carried out
 schemes that only target poverty and                                                            by community-level workers, making the
 have incapacity to work as the eligibility      Beyond the issue of programme design,           process much more accessible. A medical
 criterion create a challenging dilemma          governments also face critical challenges       certificate may be required in some cases,
 for persons with disabilities: any attempt      in identifying persons with disabilities and    but support is offered to obtain it.
 to engage in economic activities, which         assessing their needs to plan and allocate
 is always risky, may result in the loss of      resources effectively.                          With the progress of digitalisation, such
 the household’s only stable source of                                                           assessment can be carried out with greater
 income. Those schemes tend to also have         Beyond disability determination,                reliability at community level and can
 low coverage, leaving most people with          the need for a national disability              feed automatically into registries that
 disabilities without any support and overly     management information system                   could be used for case management
 dependent on their family members.              The COVID-19 crisis has shown the               as well as policy planning (a disability
 In times of crisis, they cannot be leveraged    importance of a disability-inclusive            assessment app in Cambodia, or the plan
 to provide instant support to vast numbers      information system, ideally combining           for a national disability information system
 and may require ad hoc additional               single registries and disability registries.    of the National Council for Persons with
 schemes, such as in Kenya during the                                                            Disabilities in Rwanda).
 COVID-19 crisis (National Council for           For instance, in Dominican Republic,
 Persons with Disabilities 2020).                inclusion of questions on disability in         In the absence of such a registry, OPDs
                                                 the survey for the Unique System of             have been a key vector of outreach

14
since the onset of the COVID-19 crisis.                  Grammenos, S. 2018. “European comparative                  with a disability: A review and agenda
In Kenya, the government partnered with                  data on Europe 2020 & people with disabilities.”           for research.” Disability and Health Journal
                                                         Academic Network of European Disability                    10(4): 475–484.
OPDs to quickly identify beneficiaries                   Experts website. .                  National Council for Persons with Disabilities.
Many countries have resorted in part                     Accessed 22 March 2021.                                    2020. Messaging on COVID-19 Cash Transfer
                                                                                                                    for Persons with Disabilities. Nairobi: National
to membership lists of organisations                     Groce, N., and M. Kett. 2013. “The Disability and          Council for Persons with Disabilities.
to identify persons in need of support.                  Development Gap.” Working Paper Series, No.
                                                         21. London: Leonard Cheshire Disability and                South African Department of Social
                                                         Inclusive Development Centre.                              Development. 2016. Elements of the
Nothing about us without us                                                                                         financial and economic costs of disability
Beyond outreach, OPDs provide a                          Hanass-Hancock, J., and T.C. McKenzie. 2017.               to households in South Africa, Results from
unique perspective on existing barriers                  “People with disabilities and income-related               a pilot study. Johannesburg: Department of
                                                         social protection measures in South Africa: Where          Social Development.
and lived experience on what support                     is the gap?” African Journal of Disability 6: 1–11.
would be most needed and valued.                                                                                    UNDESA. 2018. UN Flagship Report on Disability
                                                         ILO. 2017. World Social Protection Report                  and Development 2018—Realizing the SDGs by,
They can help make the most of data
                                                         2017–19: Universal social protection to achieve            for and with persons with disabilities. New York:
and provide insights into challenges faced               the Sustainable Development Goals. Geneva:                 United Nations Department of Economic and
by most marginalised groups, which are                   International Labour Office, 66–73.                        Social Affairs.
sometimes still invisible.                                                                                          UNESCAP. 2012. Disability at a Glance 2012:
                                                         ILO. 2019a. Joint statement: Towards inclusive
                                                         social protection system supporting full and               Strengthening the Evidence Base in Asia and the
The recovery from COVID-19 will also be                  effective participation of persons with disabilities.      Pacific. Bangkok: United Nations Economic and
                                                         Geneva: International Labour Office.                       Social Commission for Asia and the Pacific.
characterised by fiscal consolidation in
many countries, and in such contexts it is               ILO. 2019b. Measuring financing gaps in social             UNPRPD. 2020. Initial overview of social
critical for OPDs to contribute to decisions             protection for achieving SDG target 1.3 global             protection measures for persons with disabilities in
                                                         estimates and strategies for developing countries.         response to the COVID-19 crisis. New York: United
about how to prioritise                                                                                             Nations Partnership on the Rights of Persons
                                                         Geneva: International Labour Office.
available resources.                                                                                                with Disabilities.
                                                         ILO 2020a. “Video: Making Social Protection
                                                         Delivery Mechanisms Accessible.” .
an obligation under the United Nations                   Accessed 1 April 2021.                                     disabilities in response to the COVID-19 crisis.
Convention on the Rights of Persons                                                                                 New York: United Nations Partnership on the
                                                         ILO 2020b. “Video: Addressing Disability                   Rights of Persons with Disabilities.
with Disabilities but is also a condition
                                                         Extra Costs.”
for stronger ownership and sustained                                                                                UNPRPD. 2021b (forthcoming). Universal
advocacy to mobilise the resources                       Kaye, H. Stephen. 2010. “The impact of the                 Health Coverage, Social Protection and Disability:
                                                         2007–09 recession on workers with disabilities.”           a review. New York: United Nations Partnership
required to build truly inclusive social                                                                            on the Rights of Persons with Disabilities.
                                                         Monthly Labor Review 133(10): 19–30.
protection systems.
                                                         Kidd, S., L. Wapling, R. Schjoedt, B. Gelders,             UNPRPD and Leonard Cheshire. 2020.
                                                         D.B. Athias, and A. Tran. 2019. Leave no one               Considering the Disability-related Extra Costs
                                                         behind: building inclusive social protection               in Social Protection. New York: United Nations
Garrido-Cumbrera, M., and J. Chacón-García.              systems for persons with disabilities. Bristol, UK:        Partnership on the Rights of Persons with
2018. “Assessing the Impact of the 2008 Financial        Development Pathways.                                      Disabilities, and London: Leonard Cheshire
Crisis on the Labor Force, Employment, and                                                                          Disability and Inclusive Development Centre.
Wages of Persons with Disabilities in Spain.”            Mitra, S., M. Palmer, H. Kim, D. Mont,                     .
                                                                                                                    Accessed 22 March 2021.

                                                                                                                    WHO and World Bank. 2011. World Disability
                                                                                                                    Report. Geneva: World Health Organization,
                                                                                                                    and Washington, DC: World Bank.

                                                                                                                    1. This article builds on the round table
                                                                                                                    ‘Bridging the disability inequality gap: Changes
                                                                                                                    needed for an inclusive COVID-19 response
                                                                                                                    and recovery’ held on 6 October 2020. For
                                                                                                                    the recordings and more information, see:
                                                                                                                    . It also draws on
                                                                                                                    the work of the ILO–UNICEF–UNPRPD inclusive
                                                                                                                    social protection project and the UNPRPD
                                                                                                                    joint COVID-19 response, as well as on the
                                                                                                                    forthcoming article: Cote, A. “Disability, Inclusion
                                                                                                                    and social protection.” In The Handbook of
                                                                                                                    Social Protection Systems, edited by E. Schuring
                                                                                                                    and M. Loewe. Cheltenham, UK: Edward Elgar
                                                                                                                    Publishing. Its content is the sole responsibility
                                                                                                                    of its author.
                                                                                                                    2. UNPRPD–ILO–UNICEF Inclusive Social
Photo: ILO/F. Latief. Person with disability during the COVID-19 pandemic, Indonesia, 2020 .          Protection Project.

                                                                                                 The International Policy Centre for Inclusive Growth | Policy in Focus   15
Older people’s income security and
 access to social protection during COVID-19
 and beyond1
 Florian Juergens,2 Usa Khiewrord 3                  people above the retirement age receive a        limited, as high levels of poverty faced by
 and Aura Sevilla 4                                  pension, and large coverage gaps remain          the population means that many families
                                                     in Southern Asia (23 per cent coverage)          have limited resources to share.
 Socio-economic impacts                              and the Arab States (27 per cent) (ILO
 of COVID-19 on older people                         2018a). Where data are available, women          Where older people are included in
 COVID-19 is most dangerous for older                are less likely than men to receive a            nationally representative surveys, they
 people, as the risk of serious illness and          pension, and if they do, they have               reveal widespread anxiety about household
 death increases with age. COVID-19                  lower benefit levels.                            finances and significant reductions in
 disproportionally affects poor and                                                                   income from work for themselves and their
 marginalised populations who are                    Most economically active older people            families. In Pakistan, about 30 per cent of
 more exposed to the virus and have                  work in the informal economy and are             older people (aged 50+) in a representative
 fewer resources to protect themselves.              highly exposed to the economic crisis.           survey conducted in April 2020 reported
 Multidimensional poverty greatly                    Close to 80 per cent of the 40 per cent of       needing to borrow food, seeking support
 increases the risk of becoming seriously            men and 15 percent of women aged 65              from friends or relatives, or relying on their
 ill from COVID-19 (Alkire et al. 2020).             and older who participate in the labour          savings to meet their basic needs. This
 Poverty can limit access to preventative            force in low- and middle-income countries        was a higher percentage than reported by
 measures such as handwashing and                    work in the informal sector (ILO 2018b).         younger people (Gallup Pakistan 2020). A
 protective equipment, as well as timely             The informal sector tends to provide lower       survey conducted by HelpAge India in June
 health care on becoming ill. Furthermore,           and more volatile incomes and no social          2020 found that the crisis has negatively
 those with low and insecure incomes                 protection benefits. While workers in the        impacted the livelihoods of 65 per cent of
 are often working in the informal                   informal economy are already likely to           India’s older people (HelpAge India 2020).
 economy; therefore, they lack access to             be poorer than their formally employed           Forthcoming age-disaggregated analysis by
 social protection and are unable to work            counterparts, they are also more likely to       HelpAge of World Bank telephone surveys
 remotely or adopt safer working practices.          work in sectors heavily affected by the          in Africa conveys a similar picture. In Malawi,
 In most low- and middle-income                      pandemic, such as hospitality and tourism,       96 per cent of older respondents reported
 countries, poverty increases in older               and are likely to be excluded from crisis-       being worried about their household
 age (Munoz Boudet et al. 2018), leaving             related financial assistance for businesses or   finances, and 83 per cent of households
 older people not just vulnerable to the             individuals. Evidence from past economic         with older people had experienced a
 virus but also with few resources to                crises suggests that older people can find       decline in income since the start of the
 protect themselves.                                 it difficult to re-enter the labour market       pandemic. In Uganda, 86 per cent of older
                                                     after spells of unemployment and are more        people reported being worried about their
 In countries with limited pension                   likely to face declines in job quality after     household income, and 36 per cent of those
 coverage, COVID-19 will further                     re-employment, which are more persistent         living in urban areas saw their income from
 deteriorate older people’s already                  than for younger workers (Junankar 2011).        (non-agricultural) businesses decline—a
 fragile economic situation                                                                           higher percentage than for younger people.
 While 67 per cent of older people receive           With few opportunities for work and              In Nigeria, 89 per cent of older people
 a pension globally, in most low-income              limited pension coverage, most older             were worried about the pandemic’s impact
 countries fewer than 20 per cent do. In             people rely on their families to survive.        on household finances, and 26 per cent
 sub-Saharan Africa, only 22 per cent of             Yet the adequacy of family support is often      reported having to stop their work in the
                                                                                                      first quarter of 2020, while 79 per cent
                                                                                                      of older business owners reported no or
                                                                                                      lower revenues. Economic simulations in
     BOX 1                                                                                            Bangladesh suggest that older people’s
                                                                                                      income deficit—consumption minus
                                                                                                      income—has increased by 13 per cent
     “Our income went down, since some of my sons who support the household financially               as a result of the pandemic (HelpAge
     lost their employment. Therefore, we only spend the little we get from other sources.”
                                                                                                      International 2020a).
     Older man, Vihiga, Kenya, January 2021
                                                                                                      In-depth interviews with households in
 Source: Chronic Poverty Advisory Network (2021).                                                     Kenya and Nepal, including those with older

16
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