A Century Of Insurance

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The Liability Century

Author : Kenneth S. Abraham
Publisher : Harvard University Press
ISBN 13 : 9780674033771
Total Pages : 296 pages
Book Rating : 4.0/5 (337 download)

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Book Synopsis The Liability Century by : Kenneth S. Abraham

Download or read book The Liability Century written by Kenneth S. Abraham and published by Harvard University Press. This book was released on 2008-03-31 with total page 296 pages. Available in PDF, EPUB and Kindle. Book excerpt: Kenneth Abraham explores the development and interdependency of the tort liability regime and the insurance system in the United States during the twentieth century and beyond, including the events of September 11, 2001. From its beginning late in the nineteenth century, the availability of liability insurance led to the creation of new forms of liability, heavily influenced expansion of the liabilities that already existed, and continually promoted increases in the amount of money that was awarded in tort suits. A “liability-and-insurance spiral” emerged, in which the availability of liability insurance encouraged the imposition of more liability, and, in turn, the imposition of liability encouraged the further spread of insurance. Liability insurance was not merely a source of funding for ever-greater amounts of tort liability. Liability insurers came to dominate tort litigation. They defended lawsuits against their policyholders, and they decided which cases to settle, fight, or appeal. The very idea behind insurance––that spreading losses among large numbers of policyholders is desirable––came to influence the ideology of tort law. To serve the aim of loss spreading, liability had to expand. Today the tort liability and insurance systems constantly interact, and to reform one the role of the other must be fully understood.

Underwriters of the United States

Author : Hannah Farber
Publisher : UNC Press Books
ISBN 13 : 1469663643
Total Pages : 350 pages
Book Rating : 4.4/5 (696 download)

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Book Synopsis Underwriters of the United States by : Hannah Farber

Download or read book Underwriters of the United States written by Hannah Farber and published by UNC Press Books. This book was released on 2021-10-28 with total page 350 pages. Available in PDF, EPUB and Kindle. Book excerpt: Unassuming but formidable, American maritime insurers used their position at the pinnacle of global trade to shape the new nation. The international information they gathered and the capital they generated enabled them to play central roles in state building and economic development. During the Revolution, they helped the U.S. negotiate foreign loans, sell state debts, and establish a single national bank. Afterward, they increased their influence by lending money to the federal government and to its citizens. Even as federal and state governments began to encroach on their domain, maritime insurers adapted, preserving their autonomy and authority through extensive involvement in the formation of commercial law. Leveraging their claims to unmatched expertise, they operated free from government interference while simultaneously embedding themselves into the nation's institutional fabric. By the early nineteenth century, insurers were no longer just risk assessors. They were nation builders and market makers. Deeply and imaginatively researched, Underwriters of the United States uses marine insurers to reveal a startlingly original story of risk, money, and power in the founding era.

Power, Politics, and Universal Health Care

Author : Stuart Altman
Publisher : Prometheus Books
ISBN 13 : 1616144572
Total Pages : 479 pages
Book Rating : 4.6/5 (161 download)

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Book Synopsis Power, Politics, and Universal Health Care by : Stuart Altman

Download or read book Power, Politics, and Universal Health Care written by Stuart Altman and published by Prometheus Books. This book was released on 2011-09-27 with total page 479 pages. Available in PDF, EPUB and Kindle. Book excerpt: Essential reading for every American who must navigate the US health care system. Why was the Obama health plan so controversial and difficult to understand? In this readable, entertaining, and substantive book, Stuart Altman—internationally recognized expert in health policy and adviser to five US presidents—and fellow health care specialist David Shactman explain not only the Obama health plan but also many of the intriguing stories in the hundred-year saga leading up to the landmark 2010 legislation. Blending political intrigue, policy substance, and good old-fashioned storytelling, this is the first book to place the Obama health plan within a historical perspective. The authors describe the sometimes haphazard, piece-by-piece construction of the nation’s health care system, from the early efforts of Franklin Roosevelt and Harry Truman to the later additions of Ronald Reagan and George W. Bush. In each case, they examine the factors that led to success or failure, often by illuminating little-known political maneuvers that brought about immense shifts in policy or thwarted herculean efforts at reform. The authors look at key moments in health care history: the Hill–Burton Act in 1946, in which one determined poverty lawyer secured the rights of the uninsured poor to get hospital care; the "three-layer cake" strategy of powerful House Ways and Means Committee Chairman Wilbur Mills to enact Medicare and Medicaid under Lyndon Johnson in 1965; the odd story of how Medicare catastrophic insurance was passed by Ronald Reagan in 1988 and then repealed because of public anger in 1989; and the fact that the largest and most expensive expansion of Medicare was enacted by George W. Bush in 2003. President Barack Obama is the protagonist in the climactic chapter, learning from the successes and failures chronicled throughout the narrative. The authors relate how, in the midst of a worldwide financial meltdown, Obama overcame seemingly impossible obstacles to accomplish what other presidents had tried and failed to achieve for nearly one hundred years.

What We Owe Each Other

Author : Minouche Shafik
Publisher : Princeton University Press
ISBN 13 : 069120764X
Total Pages : 256 pages
Book Rating : 4.6/5 (912 download)

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Book Synopsis What We Owe Each Other by : Minouche Shafik

Download or read book What We Owe Each Other written by Minouche Shafik and published by Princeton University Press. This book was released on 2022-08-23 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: From one of the leading policy experts of our time, an urgent rethinking of how we can better support each other to thrive Whether we realize it or not, all of us participate in the social contract every day through mutual obligations among our family, community, place of work, and fellow citizens. Caring for others, paying taxes, and benefiting from public services define the social contract that supports and binds us together as a society. Today, however, our social contract has been broken by changing gender roles, technology, new models of work, aging, and the perils of climate change. Minouche Shafik takes us through stages of life we all experience—raising children, getting educated, falling ill, working, growing old—and shows how a reordering of our societies is possible. Drawing on evidence and examples from around the world, she shows how every country can provide citizens with the basics to have a decent life and be able to contribute to society. But we owe each other more than this. A more generous and inclusive society would also share more risks collectively and ask everyone to contribute for as long as they can so that everyone can fulfill their potential. What We Owe Each Other identifies the key elements of a better social contract that recognizes our interdependencies, supports and invests more in each other, and expects more of individuals in return. Powerful, hopeful, and thought-provoking, What We Owe Each Other provides practical solutions to current challenges and demonstrates how we can build a better society—together.

Economic Studies

Author : Walter Bagehot
Publisher :
ISBN 13 :
Total Pages : 244 pages
Book Rating : 4.A/5 ( download)

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Book Synopsis Economic Studies by : Walter Bagehot

Download or read book Economic Studies written by Walter Bagehot and published by . This book was released on 1888 with total page 244 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Future of the Public's Health in the 21st Century

Author : Institute of Medicine
Publisher : National Academies Press
ISBN 13 : 0309133181
Total Pages : 536 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis The Future of the Public's Health in the 21st Century by : Institute of Medicine

Download or read book The Future of the Public's Health in the 21st Century written by Institute of Medicine and published by National Academies Press. This book was released on 2003-02-01 with total page 536 pages. Available in PDF, EPUB and Kindle. Book excerpt: The anthrax incidents following the 9/11 terrorist attacks put the spotlight on the nation's public health agencies, placing it under an unprecedented scrutiny that added new dimensions to the complex issues considered in this report. The Future of the Public's Health in the 21st Century reaffirms the vision of Healthy People 2010, and outlines a systems approach to assuring the nation's health in practice, research, and policy. This approach focuses on joining the unique resources and perspectives of diverse sectors and entities and challenges these groups to work in a concerted, strategic way to promote and protect the public's health. Focusing on diverse partnerships as the framework for public health, the book discusses: The need for a shift from an individual to a population-based approach in practice, research, policy, and community engagement. The status of the governmental public health infrastructure and what needs to be improved, including its interface with the health care delivery system. The roles nongovernment actors, such as academia, business, local communities and the media can play in creating a healthy nation. Providing an accessible analysis, this book will be important to public health policy-makers and practitioners, business and community leaders, health advocates, educators and journalists.

Model Rules of Professional Conduct

Author : American Bar Association. House of Delegates
Publisher : American Bar Association
ISBN 13 : 9781590318737
Total Pages : 216 pages
Book Rating : 4.3/5 (187 download)

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Book Synopsis Model Rules of Professional Conduct by : American Bar Association. House of Delegates

Download or read book Model Rules of Professional Conduct written by American Bar Association. House of Delegates and published by American Bar Association. This book was released on 2007 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts.

Insurance Era

Author : Caley Horan
Publisher : University of Chicago Press
ISBN 13 : 022678441X
Total Pages : 260 pages
Book Rating : 4.2/5 (267 download)

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Book Synopsis Insurance Era by : Caley Horan

Download or read book Insurance Era written by Caley Horan and published by University of Chicago Press. This book was released on 2021-06-11 with total page 260 pages. Available in PDF, EPUB and Kindle. Book excerpt: Charts the social and cultural life of private insurance in postwar America, showing how insurance institutions and actuarial practices played crucial roles in bringing social, political, and economic neoliberalism into everyday life. Actuarial thinking is everywhere in contemporary America, an often unnoticed byproduct of the postwar insurance industry’s political and economic influence. Calculations of risk permeate our institutions, influencing how we understand and manage crime, education, medicine, finance, and other social issues. Caley Horan’s remarkable book charts the social and economic power of private insurers since 1945, arguing that these institutions’ actuarial practices played a crucial and unexplored role in insinuating the social, political, and economic frameworks of neoliberalism into everyday life. Analyzing insurance marketing, consumption, investment, and regulation, Horan asserts that postwar America’s obsession with safety and security fueled the exponential expansion of the insurance industry and the growing importance of risk management in other fields. Horan shows that the rise and dissemination of neoliberal values did not happen on its own: they were the result of a project to unsocialize risk, shrinking the state’s commitment to providing support, and heaping burdens upon the people often least capable of bearing them. Insurance Era is a sharply researched and fiercely written account of how and why private insurance and its actuarial market logic came to be so deeply lodged in American visions of social welfare.

Strained Relations

Author : Michael D. Bordo
Publisher : University of Chicago Press
ISBN 13 : 022605151X
Total Pages : 453 pages
Book Rating : 4.2/5 (26 download)

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Book Synopsis Strained Relations by : Michael D. Bordo

Download or read book Strained Relations written by Michael D. Bordo and published by University of Chicago Press. This book was released on 2015-03-02 with total page 453 pages. Available in PDF, EPUB and Kindle. Book excerpt: During the twentieth century, foreign-exchange intervention was sometimes used in an attempt to solve the fundamental trilemma of international finance, which holds that countries cannot simultaneously pursue independent monetary policies, stabilize their exchange rates, and benefit from free cross-border financial flows. Drawing on a trove of previously confidential data, Strained Relations reveals the evolution of US policy regarding currency market intervention, and its interaction with monetary policy. The authors consider how foreign-exchange intervention was affected by changing economic and institutional circumstances—most notably the abandonment of the international gold standard—and how political and bureaucratic factors affected this aspect of public policy.

Insurable Interest and the Law

Author : Franziska Arnold-Dwyer
Publisher : Routledge
ISBN 13 : 0429664125
Total Pages : 289 pages
Book Rating : 4.4/5 (296 download)

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Book Synopsis Insurable Interest and the Law by : Franziska Arnold-Dwyer

Download or read book Insurable Interest and the Law written by Franziska Arnold-Dwyer and published by Routledge. This book was released on 2020-04-28 with total page 289 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book assesses the role of the doctrine of insurable interest within modern insurance law by examining its rationales and suggesting how shortcomings could be fixed. Over the centuries, English law on insurable interest – a combination of statutes and case law – has become complex and unclear. Other jurisdictions have relaxed, or even abolished, the requirement for an insurable interest. Yet, the UK insurance industry has overwhelmingly supported the retention of the doctrine of insurable interest. This book explores whether the traditional justifications for the doctrine – the policy against wagering, the prevention of moral hazard and the doctrine’s relationship with the indemnity principle – still stand up to scrutiny and argues that, far from being obsolete, they have acquired new significance in the global financial markets and following the liberalisation of gambling. It is also argued that the doctrine of insurable interest is an integral part of a system of insurance contract law rules and market practice. Rather than rejecting the doctrine, the book recommends a recalibration of insurable interest to afford better pre-contractual transparency to a proposer as to the suitability of the policy to his or her interest in the subject-matter to be insured. Providing a powerful defence for the retention of insurable interest, this book will appeal to both academics and practitioners working in the field of insurance law.

Embracing Risk

Author : Tom Baker
Publisher : University of Chicago Press
ISBN 13 : 9780226035185
Total Pages : 336 pages
Book Rating : 4.0/5 (351 download)

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Book Synopsis Embracing Risk by : Tom Baker

Download or read book Embracing Risk written by Tom Baker and published by University of Chicago Press. This book was released on 2002-02-15 with total page 336 pages. Available in PDF, EPUB and Kindle. Book excerpt: AcknowledgmentsList of Contributors1. Embracing RiskTom Baker and Jonathan SimonPart One: Toward a Sociology of Insurance and Risk2 Risk, Insurance, and the Social Construction of ResponsibilityTom Baker3 Beyond Moral Hazard: Insurance as Moral OpportunityDeborah Stone4 Embracing Fatality through Life Insurance in Eighteenth-Century EnglandGeoffrey Clark5 Imagining Insurance: Risk, Thrift, and Life Insurance in BritainPat O'Malley6 Insuring More, Ensuring Less: The Costs and Benefits of Private Regulation through InsuranceCarol A. Heimer7 Rhetoric of Risk and the Redistribution of Social InsuranceMartha McCluskeyPart Two: Risk(s) beyond Insurance8 Taking Risks: Extreme Sports and the Embrace of Risk in Advanced Liberal SocietiesJonathan Simon9 At Risk of MadnessNikolas Rose10 The Policing of RiskRichard V. Ericson and Kevin D. Haggerty11 The Return of Descartes's Malicious Demon: An Outline of a Philosophy of PrecautionFrancois Ewald (translated by Stephen Utz)Index Copyright © Libri GmbH. All rights reserved.

Freaks of Fortune

Author : Jonathan Levy
Publisher : Harvard University Press
ISBN 13 : 0674067207
Total Pages : 425 pages
Book Rating : 4.6/5 (74 download)

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Book Synopsis Freaks of Fortune by : Jonathan Levy

Download or read book Freaks of Fortune written by Jonathan Levy and published by Harvard University Press. This book was released on 2012-10-29 with total page 425 pages. Available in PDF, EPUB and Kindle. Book excerpt: Until the early nineteenth century, "risk" was a specialized term: it was the commodity exchanged in a marine insurance contract. Freaks of Fortune tells the story of how the modern concept of risk emerged in the United States. Born on the high seas, risk migrated inland and became essential to the financial management of an inherently uncertain capitalist future. Focusing on the hopes and anxieties of ordinary people, Jonathan Levy shows how risk developed through the extraordinary growth of new financial institutions-insurance corporations, savings banks, mortgage-backed securities markets, commodities futures markets, and securities markets-while posing inescapable moral questions. For at the heart of risk's rise was a new vision of freedom. To be a free individual, whether an emancipated slave, a plains farmer, or a Wall Street financier, was to take, assume, and manage one's own personal risk. Yet this often meant offloading that same risk onto a series of new financial institutions, which together have only recently acquired the name "financial services industry." Levy traces the fate of a new vision of personal freedom, as it unfolded in the new economic reality created by the American financial system. Amid the nineteenth-century's waning faith in God's providence, Americans increasingly confronted unanticipated challenges to their independence and security in the boom and bust chance-world of capitalism. Freaks of Fortuneis one of the first books to excavate the historical origins of our own financialized times and risk-defined lives.

Health-Care Utilization as a Proxy in Disability Determination

Author : National Academies of Sciences, Engineering, and Medicine
Publisher : National Academies Press
ISBN 13 : 030946921X
Total Pages : 161 pages
Book Rating : 4.3/5 (94 download)

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Book Synopsis Health-Care Utilization as a Proxy in Disability Determination by : National Academies of Sciences, Engineering, and Medicine

Download or read book Health-Care Utilization as a Proxy in Disability Determination written by National Academies of Sciences, Engineering, and Medicine and published by National Academies Press. This book was released on 2018-04-02 with total page 161 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Social Security Administration (SSA) administers two programs that provide benefits based on disability: the Social Security Disability Insurance (SSDI) program and the Supplemental Security Income (SSI) program. This report analyzes health care utilizations as they relate to impairment severity and SSA's definition of disability. Health Care Utilization as a Proxy in Disability Determination identifies types of utilizations that might be good proxies for "listing-level" severity; that is, what represents an impairment, or combination of impairments, that are severe enough to prevent a person from doing any gainful activity, regardless of age, education, or work experience.

Coverage Matters

Author : Institute of Medicine
Publisher : National Academies Press
ISBN 13 : 0309076099
Total Pages : 204 pages
Book Rating : 4.3/5 (9 download)

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Book Synopsis Coverage Matters by : Institute of Medicine

Download or read book Coverage Matters written by Institute of Medicine and published by National Academies Press. This book was released on 2001-10-27 with total page 204 pages. Available in PDF, EPUB and Kindle. Book excerpt: Roughly 40 million Americans have no health insurance, private or public, and the number has grown steadily over the past 25 years. Who are these children, women, and men, and why do they lack coverage for essential health care services? How does the system of insurance coverage in the U.S. operate, and where does it fail? The first of six Institute of Medicine reports that will examine in detail the consequences of having a large uninsured population, Coverage Matters: Insurance and Health Care, explores the myths and realities of who is uninsured, identifies social, economic, and policy factors that contribute to the situation, and describes the likelihood faced by members of various population groups of being uninsured. It serves as a guide to a broad range of issues related to the lack of insurance coverage in America and provides background data of use to policy makers and health services researchers.

Capital in the Nineteenth Century

Author : Robert E. Gallman
Publisher : University of Chicago Press
ISBN 13 : 022663311X
Total Pages : 401 pages
Book Rating : 4.2/5 (266 download)

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Book Synopsis Capital in the Nineteenth Century by : Robert E. Gallman

Download or read book Capital in the Nineteenth Century written by Robert E. Gallman and published by University of Chicago Press. This book was released on 2020-02-26 with total page 401 pages. Available in PDF, EPUB and Kindle. Book excerpt: When we think about history, we often think about people, events, ideas, and revolutions, but what about the numbers? What do the data tell us about what was, what is, and how things changed over time? Economist Robert E. Gallman (1926–98) gathered extensive data on US capital stock and created a legacy that has, until now, been difficult for researchers to access and appraise in its entirety. Gallman measured American capital stock from a range of perspectives, viewing it as the accumulation of income saved and invested, and as an input into the production process. He used the level and change in the capital stock as proxy measures for long-run economic performance. Analyzing data in this way from the end of the US colonial period to the turn of the twentieth century, Gallman placed our knowledge of the long nineteenth century—the period during which the United States began to experience per capita income growth and became a global economic leader—on a strong empirical foundation. Gallman’s research was painstaking and his analysis meticulous, but he did not publish the material backing to his findings in his lifetime. Here Paul W. Rhode completes this project, giving permanence to a great economist’s insights and craftsmanship. Gallman’s data speak to the role of capital in the economy, which lies at the heart of many of the most pressing issues today.

Structuring the Information Age

Author : JoAnne Yates
Publisher : JHU Press
ISBN 13 : 9780801880865
Total Pages : 380 pages
Book Rating : 4.8/5 (88 download)

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Book Synopsis Structuring the Information Age by : JoAnne Yates

Download or read book Structuring the Information Age written by JoAnne Yates and published by JHU Press. This book was released on 2005-06-22 with total page 380 pages. Available in PDF, EPUB and Kindle. Book excerpt: Structuring the Information Age provides insight into the largely unexplored evolution of information processing in the commercial sector and the underrated influence of corporate users in shaping the history of modern technology. JoAnne Yates examines how life insurance firms—where good record-keeping and repeated use of massive amounts of data were crucial—adopted and shaped information processing technology through most of the twentieth century. The book analyzes this process beginning with tabulating technology, the most immediate predecessor of the computer, and continuing through the 1970s with early computers. Yates elaborates two major themes: the reciprocal influence of information technology and its use, and the influence of past practices on the adoption and use of new technologies. In the 1950s, insurance industry leaders recognized that computers would enable them to integrate processes previously handled separately, but they also understood that they would have to change their ways of working profoundly to achieve this integration. When it came to choosing equipment and applications, most companies ultimately preferred a gradual, incremental migration to an immediate and radical transformation. In tracing this process, Yates shows that IBM's successful transition from tabulators to computers in part reflected that vendor's ability to provide large customers such as insurance companies with the necessary products to allow gradual change. In addition, this detailed industry case study helps explain information technology's so-called productivity paradox, showing that firms took roughly two decades to achieve the initial computerization and process integration that the industry set as objectives in the 1950s.

Innovation and Public Policy

Author : Austan Goolsbee
Publisher : University of Chicago Press
ISBN 13 : 022680545X
Total Pages : 259 pages
Book Rating : 4.2/5 (268 download)

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Book Synopsis Innovation and Public Policy by : Austan Goolsbee

Download or read book Innovation and Public Policy written by Austan Goolsbee and published by University of Chicago Press. This book was released on 2022-03-25 with total page 259 pages. Available in PDF, EPUB and Kindle. Book excerpt: A calculation of the social returns to innovation /Benjamin F. Jones and Lawrence H. Summers --Innovation and human capital policy /John Van Reenen --Immigration policy levers for US innovation and start-ups /Sari Pekkala Kerr and William R. Kerr --Scientific grant funding /Pierre Azoulay and Danielle Li --Tax policy for innovation /Bronwyn H. Hall --Taxation and innovation: what do we know? /Ufuk Akcigit and Stefanie Stantcheva --Government incentives for entrepreneurship /Josh Lerner.