Abstract
This article argues that dominant paradigms in the study of social welfare have neglected the role of creative human agency in responding differentially to threats of welfare across the lifespan. This is due to the preference for unitary categories of analysis which place vulnerable individuals into homogenous groupings and to the tendency to work with limited models of vulnerability and helpseeking. These paradigms are further characterised by a preoccupation with pathological views of health and welfare and by inadequate conceptualisations of mediating factors and coping across the life course. A new paradigm of welfare is called for, the focus of which would be on the differential nature of vulnerability and risk among individuals and their differentiated reactions to threats to welfare. Directions for empirical research within such a paradigm are outlined.

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