The issue of expanding access to unemployment and health protection mechanisms should also be given urgent consideration, as social protection analysis has focused little on it to date. The reforms are designed to improve the efficiency and coverage of unemployment insurance and boost affiliates' access to a set of active labour market policies (including training and labour intermediation). Apart from unemployment insurance, a number of associated instruments are important in protecting workers in the event of redundancy, including severance pay (which operates as a disincentive to dismissal), individual savings accounts (allowing workers to accumulate cash resources while they are employed), notice of termination (prior notification of dismissal in order to prevent sharp falls in income) and early retirement benefits (Bertranou and Paz, 2007, Velasquez, 2010).