Health Insurance Hazards Reflected in Occupational Health Loss Ratios [Discussion]

Mr. Sommer has approached this problem in a very interesting manner. The results appear to be logical although, without doubt, there is room for considerable difference of opinion in the allocation of the individual occupations to the various groups. For example, in the case of teachers, would it not be natural to assume that in many cases an illness suffered during a vacation period would result in a greater claim than the same illness suffered during active employment ? If this is the case then it would seem that teachers should be classified in Group III under the subjective hazard. As a matter of fact, however, the loss ratio for teachers is very satisfactory. Apparently, therefore, any such tendency is more than counterbalanced by other favorable characteristics.