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1938
Messrs. Roeber and Marshall, in a paper entitled "An American Remarriage Table," printed in the Proceedings, Vol. XIX, p. 279, stated that a number of methods of graduating the average rates of the table referred to were tried including one of the two mentioned in my paper T.A.S., Vol. XXXI, p.
1938
The three discussions by Messrs. Barber, Kormes and Sinnott are most helpful and sympathetic. In reviewing these discussions I think it will be best for me to make a few comments on each of them in turn and then conclude with some general remarks.
1938
In this latest contribution to the theory underlying credibilities used in rating plans Mr. Perryman as usually displays his mastery of the subject and presents a complete analysis of the various approaches to this difficult and delicate problem.
1938
Too infrequently there appears in the Proceedings a paper of the type which must be carefully studied in order to be fully appreciated. Mr. Perryman's paper is one, and a review of it is bound to arouse one's admiration of the skillful way in which the author has treated this difficult phase of rating theory.
1938
Mr. Perryman's three a priori conditions must be accepted as entirely reasonable. His progress from axioms to ultimate conclusions are logically flawless in so far as a careful study of his paper reveals. His conclusions are acceptable from both scientific and practical viewpoints. This contribution to the business of ratemaking is invaluable.
1938
According to the United States Bureau of Air Commerce figures there were only 9,152 licensed aircraft in the United States as of January 1, 1938 and of this number the scheduled airlines operated 386. The values of these planes range from less than one thousand dollars up to three-quarters of a million dollars, while the uses to which the aircraft are put are numerous and varied.
1937
In his commendable paper, "The Theory of The Distribution of Expenses of Casualty Insurance" (P.C.A.S., Vol. XVII, page 22) Mr. F. S.
1937
Today, also, much of the strain of life comes from our anxious concern as to how we can get maximum income and as to whether our expenditure of this income will yield us the maximum in satisfaction. Modern life recently seemed to Charlie Chaplin a thing of high speed, of senseless mechanization. It seems to others like an orderly game of bridge.
1937
An author may avoid the charge of incompleteness by using the phrase "some aspects." Mr. Magrath's paper shows restraint; but I am sure that its scope was not limited by lack of knowledge or of conviction. I detect the scent of many vivid statements which the author did not make.
1937
Both the retrospective and supplementary rating plans contemplate the adjustment of workmen's compensation premium rates for the risks so insured on the basis of experience of the assured for the period covered by the premium. The retrospective plan is akin to stop loss or aggregate excess coverage while the supplementary plan is comparable to deductible coverage.
1937
Mr. Kormes' paper deals largely with loss experience by size of risk and the method of calculating loss constants. The paper also summarizes the history of the development of loss and expense constants and points out the reasons why these constants were adopted. The author's discussion of the expense constant is very limited.
1937
During the last few years there has been no little agitation for the development of means of adjusting the premium more closely to the hazard of the individual risk. This has resulted in rather extensive study of the structure of the Experience Rating Plan, the adoption of the Retrospective Rating Plan in a number of states and the proposal of the Supplementary Rating Plan.
1937
Professor Ackerman's discussion is so very kind and considerate that it is with some difficulty the author brings himself to essay a response. Nevertheless, in self-defense, it might be observed that the statement to which the discussion takes exception was directed, not merely to the federal jurisdiction but to the entire matter of conflict of laws, of which the federal jurisdiction cases are but a part.
1937
The article on Federal Jurisdiction and the Compensation Act prepared by Mr. Hobbs is an excellent study of the relation between federal jurisdiction and the various compensation acts.
1937
The Federal Government is a government, theoretically at least of limited powers. Its jurisdiction is that specifically conferred upon it by the Federal Constitution, and within that jurisdiction its authority is paramount to that of the states.
1937
For some time past certain criticisms have been made of the Compensation Experience Rating Plan. These have touched on various aspects of the Plan; some of them have been directed to the way in which the Plan works in particular instances. Other criticisms of the Plan have been in respect of some of the more debatable questions such as the period of experience to be used and the swing of the plan. This is the old question of Stability vs .
1937
In a rather brief paper Mr. Barber discusses certain distortions and fluctuations in manual rates attributed chiefly to the use of group rate levels and to the incidence of certain fortuitous types of losses. Suggestions for their elimination or correction are also contained in the article.
1937
The title of this paper implies that a critical review of the compensation rate-making method might result in definite benefit in the form of an improved procedure. The suggestion may seem untimely to some who choose to regard the present plan as a permanent program to be preserved indefinitely in status quo.
1937
During 1936, 138 insurers reported automobile insurance premiums written in Ontario amounting to $7,920,609---or slightly under $8,000,000 (after deducting return premiums and reinsurance premiums ceded to licensed companies).
1936
A goodly number of the compensation acts are by their terms extra-territorial : that is to say, having application to injuries sustained by employees subject to the act outside of the state. Others, not by their terms extra-territorial, have been so interpreted. This gives rise to a notable number of cases where a given injury may come within the scope of more than one law.
1936
In Part I of this paper are presented calculations of the benefits of the various compensation acts in the United States along somewhat new lines. In the administration of the compensation system, comparisons based on similar calculations are often made, but the emphasis is on the comparative loss cost to industry or carriers, whereas in comparisons drawn from Mr.
1936
Nietzsche gives as the sign of the State, confusion of the language of good and evil. This, as in case of much which Nietzsche says, cuts very deep into the essential weakness of modern society.
1936
Although the subject is timely, it may be difficult to explain why Federal legislation dealing with old-age pensions and unemployment insurance should be discussed in this forum from the Constitutional point of view. It would have been more appropriate for us to examine its theory, its philosophical and actuarial aspects, or the soundness of its mathematical foundation.
