1 “... and decent work, social protection, and the living environment) are likely to have the greatest impact...”

2 “...-of-pocket payments, although there are notable exceptions. VHI can contribute to financial protection...”

3 “... in helping older workers with health problems to stay in work- The social protection system might be critical...”

4 “...Investing in the protection of all existing workers is crucial if the HCWF is to be retained, which...”