In several of them, the rates turn out to be much lower once older working-age people are excluded (Czech Republic, Finland, Poland, Switzerland). These ratios reflect the generosity of disability and early-retirement payments relative to unemployment and family benefits, as well as the incidence of unemployment and inactivity among different age groups. Importantly, and despite reform attempts to reduce benefit dependency among older workers, ratios of benefits received by younger relative to older working-age groups have declined since the mid-90s in most countries.