Mothers and fathers who do not work or work only part-time and look after children deserve special attention. An individual disability pension makes sense here too. In the event of disability, additional childcare or household help is often needed. For non-married couples, minimum OASI contributions also have to be paid for the non-employed person, as otherwise there may be gaps in the disability benefits. And anyone who works less than eight hours per week must include accident cover with their health insurance scheme as this is otherwise not covered in their everyday private lives.