Conclusion: Mutual aid, Microinsurance and Social Security for all: Mitsuhiko Hosaka and James Midgley
Numerous proposals for extending coverage have been formulated. The most obvious is that existing social insurance schemes be modified to protect larger numbers of workers and particularly informal sector workers. Similarly, it is argued that social assistance should be more readily available to poor people, and noncontributory retirement pensions and family allowances should be more widely established. Another proposal is that non-traditional income maintenance programmes such as food for work schemes be reformulated and expanded. It has also been proposed that innovative programmes such as matched savings accounts and conditional cash transfers be introduced or more vigorously promoted.