Within countries there are numerous instances of differing treatment for sexes, for example in state and in many privately-run pension schemes. A difference in the legal retirement age, for example 60 for women and 65 for men, that employers can insist that female employees retire five years earlier than men. There is the problem of survivors benefit: although most pension schemes automatically provide a pension for a widow of a male employee, fewer than half provide the same for the widower of a female employee. Just as important, is that the whole structure of pension schemes discriminates against the pattern of most women's working lives, where there is often a break, mostly a long one, to bring up a family. Certain rights to benefits of unemployment, old age and invalidity are also denied to women because they obtain protection as a dependent person. In reality, some 35% of households in the world are now headed by women. But the man is considered the head of the family while the woman brings up the children and her professional activity is considered incidental.