Available from httpV/data.worldbank-oig/data-catalog/world-development-indicators. Social insurance is often financed through a contributory mechanism16 that involves beneficiaries, employers and the State, and covers such areas as health insurance, old-age pensions and unemployment, maternity, sickness and disability benefits. Social assistance is a non-contributory scheme, which takes the form of cash transfers (often conditional) to poor households, persons with disabilities and other vulnerable groups. It can be either universal or targeted.17 Active labour market programmes consist of skill development and training initiatives, special work schemes and wage and employment subsidies.