These consist of: supplementary forms of pension and health care; insurance policies covering death or permanent disablement (whether work-related or not) and the risk of death from disease; gifts on important occasions such as marriages, births and adoptions, scholarship grants for children; paid leave – even above the legal minimum – to care for disabled family members, the emergency hospitalisation of family members, the birth or adoption of children and when they start nursery schooling; financial contributions to support single income families or families with disabled persons.