The Dutch government administers one of Europe's most comprehensive welfare states. Taxes and social security premiums together give the government command over nearly half the national income. Much of this revenue is spent on education, health, employment stimulation, and social welfare. To reduce a growing budget deficit, however, the government has trimmed social services in recent years. Participation in the health insurance system is compulsory for everyone earning less than a certain wage (about 70 percent of the population). The Dutch are also protected by unemployment benefits; sick pay; a guaranteed income for those physically unable to work; pensions for widows, orphans, and the elderly; minimum-wage regulations; and family allowances.