Welfare is financial assistance paid to people by governments. Welfare payments are typically made to individuals, but may also accrue to companies or entities--these latter payments are often considered corporate welfare. Individuals may apply for welfare due to disability, lack of education or job skills, low demand for unskilled labor, substance abuse, or other reasons. Assistance may also take the form of other relief, such as tax credits for working mothers. Welfare is known by a variety of names in different countries, all with the avowed purpose of providing an economic or social safety net for disadvantaged members of society and those who chose not to work. Almost all developed nations provide some kind of safety net of this kind; nations where such programs are especially prominent are known as welfare states.