<img src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221108101144/636a257f9c7e80680e0439cfjpeg.jpg" alt="" width="1500" height="1115"/>In her recent article in this paper ‘<a href="https://www.nepalitimes.com/here-now/gurkha-grandparents/" target="_blank" rel="noopener">Gurkha Grandparents</a>’ (#944) Sikuma Rai movingly describes the plight of many elderly Nepalis now living in the UK, most of them <a href="https://www.nepalitimes.com/banner/a-military-migrant-economy/" target="_blank" rel="noopener">ex-Gurkhas</a> and their wives. The families get regular pension, heating allowances and rent support, free public transport, as well as access to the British National Health Service.But there are also costs, which include living away from their home country in a strange land among strangers, without the personal, social and cultural comforts of their villages. Many pine for Nepal, and <a href="http://archive.nepalitimes.com/article/Nepali-Times-Buzz/No-place-like-home,1123" target="_blank" rel="noopener">some decide to return home</a>. But women, particularly widows who speak little English, have few non-Nepali friends, and remain isolated in their homes in towns like in Salisbury or Aldershot. The weather does not help, and most remain house-bound or within a limited area of the city missing their children and grandchildren.Read also: <a href="https://www.nepalitimes.com/here-now/gurkha-grandparents/" target="_blank" rel="noopener">Gurkha Grandparents</a>, Sikuma Rai<a style="background-color: #ffffff; font-size: 15px; letter-spacing: 0.01em;" href="https://www.gwt.org.uk/" target="_blank" rel="noopener">The Gurkha Welfare Trust</a> runs advice centres which work closely with government bodies like the Royal British Legion to support army veterans. Numerous local charities unconnected with the army also help, as well as community services for older people, including mental health diagnosis, treatment and support, provided by the local council and by the health services.But much of this is cold comfort to elderly Nepali men and women who have settled in Britain, and who would, ideally, flock back to Nepal to be with their families and friends -- if only they could be assured of more financial support, including better and less costly health care.<figure><img src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221108101144/636a259b9c7e80680e0439d0jpeg.jpg" alt="" width="1500" height="1125"><figcaption> </figcaption></figure>The <a href="http://archive.nepalitimes.com/article/Nepali-Times-Buzz/need-to-prepare-for-ageing-society,3624" target="_blank" rel="noopener">elderly in Nepal</a> have traditionally been able to count on family support. But, as more older people live longer the financial burden on families has increased. Nepal’s average life span has increased from 35 for men and 37 for women in 1961, to 69 for men and 72 for women in 2014. By 2018, there were nearly 3 million people over 60 in Nepal. Family fragmentation has also resulted in physical separation between older grandparents and their children and grandchildren.Consequently, even back in Nepal, more elderly men and women are <a href="http://archive.nepalitimes.com/regular-columns/guest-editorial/guest-editorial-old-is-gold,876" target="_blank" rel="noopener">living apart from their closest family members</a> than ever before. Many are now suffering from the same problems as do those settled in the UK, but without pensions, allowances, and access to free medical services.Read also: <a href="http://archive.nepalitimes.com/article/Nepali-Times-Buzz/need-to-prepare-for-ageing-society,3624" target="_blank" rel="noopener">A much older tomorrow</a>, Sonia AwaleThere are relatively few specialised institutions for support and care of the elderly in Nepal. The Gurkha Welfare Trust cares for ex-<a href="http://archive.nepalitimes.com/page/the-gurkhas-an-interactive-timeline" target="_blank" rel="noopener">Gurkhas</a> and their families with Welfare Pensions to veterans and widows and medical treatment. But there are very few examples in Nepal of private ‘care homes’ and ‘retirement villages’ that exist in the UK.There is now some state support, but it remains pitifully limited. The non-contributory social pension scheme introduced in 1995 was intended to provide allowances to older people aged 70 and above, to older dalits and people living in the Karnali Zone aged 60 and above, and to poor widows aged 60 and above. The allowance was doubled to, Rs2000 and the age of eligibility reduced to 65, but scheme remains inadequately implemented.It is estimated by Pension Watch (Help Age International) that the number of people receiving an allowance is around 636,000, and 47% over 65 in Nepal receive a non-contributory pension, while 9% have a contributory pension. The total cost of the scheme is Rs15 billion, or 0.7% of GDP. By 2050, when the estimated number of Nepalis over 60 will be around 6.5 million, the cost will have more than doubled even if the same proportion of the budget is allocated to the scheme.Last year, Prime Minister Oli proposed a <a href="https://www.nepalitimes.com/here-now/social-insecurity/" target="_blank" rel="noopener">social security scheme</a> for private sector employees to provide for life-long pensions and reduce the fiscal burden by demanding that employers deposit 31% of the basic salary (20% from employers and 11% from employees) into a Social Security Fund. After 15 years, private sector employees would then be entitled to lifelong pensions, just like retired government employees.Read also:<a style="background-color: #ffffff; font-size: 15px; letter-spacing: 0.01em;" href="https://www.nepalitimes.com/here-now/social-insecurity/" target="_blank" rel="noopener">Social insecurity</a>, Om Astha Rai<a style="background-color: #ffffff; font-size: 15px; letter-spacing: 0.01em;" href="https://www.nepalitimes.com/latest/not-just-social-security/" target="_blank" rel="noopener">Not just social security</a>, Josh GloverBut even were this scheme to be introduced, it would still <a href="https://www.nepalitimes.com/latest/not-just-social-security/" target="_blank" rel="noopener">leave out millions working in the informal sector and agriculture</a>, and would be too late for those already of pensionable age.The Nepal government spends 6% of its budget on basic health care and in 2012, launched a pilot program for universal health insurance in five districts. This was followed up in 2017 by the National <a href="https://archive.nepalitimes.com/article/nation/national-health-insurance-not-as-easy,4028" target="_blank" rel="noopener">Health Insurance</a> Act and in 2018 by the National Health Institution Quality Authority Act, providing the legal framework for a National Health Service.Although Nepal's 2015 Constitution guarantees basic health care as a fundamental right, however, access to high-quality care remains a privilege, and out of reach of most including elderly Nepalis who may want to come back home.<h2>Fighting for equality</h2>In May 2009, the Labour government under Tony Blair was obliged by public pressure to enable Gurkhaswho retired before 1 July 1997 with at least four years’ service to settle with their families in the UK, that being the date when the Gurkha Brigade headquarters moved from Hong Kong to Britain.Read also: <a href="https://www.nepalitimes.com/opinion/the-time-has-come-for-a-gurkha-peace-corps/" target="_blank" rel="noopener">Time has come for a Gurkha Peace Corps</a>, David SeddonEven before that, in March 2007, pay, pensions and terms of service of serving Gurkhas were equalised with those of regular British Army personnel and equal pensions were granted to those enlisted from 1 October 1993, but about 15,000 pensioners and 6,000 widow pensioners did not benefit.On 10 June 2011, the British Gurkha Welfare Society lodged a case with the European Court of Human Rights (ECHR) claiming that Gurkhas had been paid significantly lower pensions than their British counterparts. On 15 September 2016, the ECHR shattered the hopes of thousands of ex-Gurkhas for equal pensions.

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Cold comfort

<figure><img src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221107171148/636936e59c7e80680e03fe05jpeg.jpg" alt="" width="1500" height="1000"/><figcaption>PM K P Oli unveiled the contribution-based Social Security Scheme for formal workers amidst a program in Kathmandu last month. Photo: BIKRAM RAI</figcaption></figure>The Nepal government’s announcement of a social security scheme for formal sector workers this month has once again thrust social protection policy into the political spotlight. While such schemes can be important social policy instruments, <a href="https://www.nepalitimes.com/here-now/social-insecurity/">significant concerns</a> have been raised about this scheme and previous policies, particularly regarding government’s ability to fund and implement them.Now more than ever, it is important that social protection policies and programs effectively address issues of marginalisation and vulnerability that undergird social insecurity and injustice.Read also: <a href="https://www.nepalitimes.com/here-now/social-insecurity/" target="_blank" rel="noopener">Social insecurity</a>, Om Astha Rai<a style="background-color: #ffffff; font-size: 15px; letter-spacing: 0.01em;" href="https://www.nepalitimes.com/from-the-nepali-press/govt-not-employers-responsible-for-employees/" target="_blank" rel="noopener">Govt, not employers, responsible for employees</a>, From the Nepali Press Marginalisation is deeply ingrained into Nepali social, economic, and political practice. Lines of exclusion across caste, gender, religion, geography have resulted in complex, <a href="https://archive.nepalitimes.com/article/editorial/Nepal-%20Multidimensional-Poverty-Index,4115">multi-dimensional poverty</a>. When poverty is entrenched over long periods of time vulnerability graduates from individuals and households to community and government levels. Ultimately, the cost of not addressing vulnerability is borne across society.Vulnerability is exaggerated during times of instability, and in Nepal it is caused and exacerbated by politics, natural disasters, informality of labour and income, and so on. Vulnerable individuals suffer double jeopardy, and tend to enter a downward spiral of wretchedness if left unnoticed by government.Governmental responses to vulnerability through social protection policies and programs have mirrored the trajectory of the country’s transformational politics. Social movements, government restructuring and changes to legal and constitutional frameworks have shaped how marginalisation and vulnerability are addressed.Today, all major parties recognise the political value of adopting social protection elements into their policy platforms. Alongside the recognition of the political significance of social protection policies, there is also growing appreciation of the positive impact of these policies for the country’s development. Despite this, poor policy design impedes social protection efforts in Nepal.It may be useful to analyse the effectiveness of Nepal’s social protection schemes by considering the following three design approaches:<ol><li>Equality-based approaches provide blanket security to the entire population. The best examples are many of the labour market regulations, which regulate working conditions, occupational safety, worker rights, and minimum wages.</li></ol>Equality-based schemes assume that all people are alike and have the same needs. However, this assumption of homogeneity ignores the fact that some groups experience marginalisation and vulnerability more acutely than others.<ol start="2"><li>Equity-based schemes recognise varying types of vulnerability and marginalisation and employ targeted strategies of redressal. An example is Nepal’s Disability Grant, which targets persons with disabilities to ensure greater social inclusion and economic independence.</li></ol>Most of the budgetary allocation in Nepal’s social protection portfolio is directed toward equity-based social assistance and allowance programs. This reflects the evolving political understanding of equality and equity: with policy shapers increasingly seeking to incorporate targeted instead of universal strategies. However, since Nepal’s universal schemes play a significant role in protecting the vulnerable, it is vital that the government pursues both equality-and equity-based strategies.Equality- and equity-based approaches seek to address poverty and marginalisation. However, these social challenges are symptomatic of the underlying root problem of societal injustice. For durable effect, it is important that the root problem is targeted, not just symptomatic manifestations. It follows, therefore, that policies that limit themselves to equality and equity-based strategies are likely to be inadequate.<ol start="3"><li>A justice-based approach seeks to go beyond addressing economic marginalisation and vulnerability, and instead understand and confront social injustice. Social protection policies are but one tool that governments can use to address vulnerability and marginalisation, justice-based schemes are integrated with other programs to transform unequal social structures.</li></ol>There is a decided gap in Nepal’s current social protection framework with respect to well-designed, justice-based schemes. However, there are some encouraging examples that show signs of progress from an equity-based to a justice-based approach in social protection policy.The Emergency Cash Transfer Program,for example, leveraged the government’s existing social assistance registers and provided two cash transfers targeting the people who had likely been left most vulnerable after the 2015 earthquakes. What makes this program significant is that it was formally incorporated into the emergent Social Protection Framework of Nepal, which gives an otherwise isolated transfer program an integrated dimension.Federalism and inclusive nation building introduced by the 2015 Constitution has set a decisive inflection point for addressing social injustice in Nepal. Not only are 31 fundamental rights constitutionally enshrined, Parliament has moved to enact legislation to apply them. The agenda to see social justice embedded throughout society is, at least in theory, a top priority for the government.However, like other public policy initiatives in Nepal social protection has been <a href="https://www.nepalitimes.com/editorial/communist-capital/">historically constrained</a> by inadequate policy design and poor integration, resourcing and implementation of policies by <a href="https://archive.nepalitimes.com/regular-columns/GUEST-COLUMN/state-after-multiple-disaster,700">weak and incapable governments</a>. This has significantly hindered the country’s ability to redress injustice through policy instruments such as social protection.Fears surrounding the history of inadequate program implementation arose again last week after the announcement of the private sector social security scheme. The scheme is generous and consequently ambitious. Regardless of intent behind the announcement, the success of the program is contingent on how well it will be implemented. The costs involved are significant and the private sector has not reacted well to the potentially huge increase in wage burden. How the program will be financed remains an unanswered question.As a social security scheme that will decidedly not benefit the informal sector, the majority of Nepal’s workforce, it is hard to see how this additional levy helps reduce injustice in society.Josh Glover attends Melbourne University and interned at Niti Foundation in 2018.

Not just social security

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Not just social security