Note that this refers to all cash transfers taken together. Separating out benefits for younger people (Immervoll and Richardson, 2011) shows that benefit rates for the 15-54 year-olds are lower than for the 54-64 year-olds in all countries and much lower in some (Czech Republic, Finland, Poland, Switzerland). This reflects the generosity of disability and early-retirement payments relative to unemployment and family benefits. As a result, the overall finding of a declining redistributive capacity of tax-benefit policies has mainly affected those aged below 55.