If employees or their dependants receive death benefits such as ex gratia payments or coffins, increased demand will increase costs. AIDS means claims will increase and either premiums rise or benefits decrease. Pensions for contributors obviously cease at their death, but some schemes provide for spouses and dependents. These will continue to pay out. In the event of AIDS death, it is likely that children will be left and the contributor will not have paid enough in contributions to cover the benefits that will be paid out.
Migrants are more likely to undertake risky behaviour - as they are separated from their families.
In some settings where the employees are mainly male or female, there may be more risky behaviour. Section B - Population and Wealth AIDS has the potential to affect both the size and the structure of a population, and the way both households and governments earn and spend money. This section sets out possible trends and asks if they are important for a sector. AIDS has the potential to reduce the rate of population growth. AIDS will have a marked impact on the structure of a population as certain cohorts will be more seriously affected than others.