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1936
Mr. Hobbs' discussion is timely. I suppose that possibly it well represents the position of the conservative who instinctively feels there must be something inherently wrong with social insurance.
1936
In a most interesting paper entitled "Social Insurance and the Constitution," Mr. Hobbs first discusses the constitutional questions raised by the Federal Social Security Act. The old age assistance provisions and unemployment provisions are dealt with separately. This procedure seems to be particularly appropriate since it is more than a mere possibility that one of the sections might be declared constitutional without regard to the other.
1936
Mr. Hobbs' discussion of the decision in Railroad Retirement Board v.
1936
I am so nearly in accord with many of the general views expressed by Mr. Hobbs in this address that it is only with difficulty that I have been able to find points for comment or criticism.
1936
The purpose of state regulation of rates is primarily protection of the policyholder and incidentally of the insurance carrier through applying the criteria of adequacy, reasonableness, and non-discrimination. The various states have shown particular concern in connection with rates for workmen's compensation, accident and health, and automobile insurance.
1936
The above paper was written with the intention to present a technical and unbiased description of the phase of the Workmen's Compensation rate-making method which deals with the problem of small risks. I am, therefore, greatly pleased with the generous response accorded me by two prominent members of the Society in writing a discussion of this paper.
1936
The football coach had the chemistry professor on the spot. The university's football star had flunked his chemistry exam and would be lost for the big game of the season. Couldn't something be done? Partisan interest in the game triumphed over official duty. The star was given a special examination, his eligibility was established, he played brilliantly, and the game was won.
1936
In the last decade a new element was introduced into the Workmen's Compensation rating structure and the Manual of rates for a large majority of states shows for each classification so-called "loss and expense constants." For a long time the carriers realized that a small risk presents aspects as regards the cost of insurance differing from those characterizing a risk of a substantial size.
1936
This is an excellent paper for a student of casualty insurance who has no direct personal connection with the accident and health end of the business. It covers its subject completely and yet concisely. Being so concise the paper gives us the opportunity in discussing it to add minor items here and there and to enlarge on some of its features.
1936
The pure premium ratio which denotes the ratio of the aggregate of risks' losses in excess of a specified loss ratio to the total aggregate losses depends upon the size of the risks considered. There is a dearth of material in the larger premium sizes for determining such pure premium ratios.
1936
Mr. Hipp's discussion adds some material omitted from the original paper and brings the history of occupational disease cover up to approximately June 6, 1936 when new Article 4-A of the Compensation Law became effective. He gives the impression that very few risks with dust hazards were written by any carrier but one and that most of those few were covered under Plan II.
1936
Mr. Smith's paper on Occupational Disease Cover in New York is in my opinion a most concise but very clear description of what is perhaps the most interesting and important milestone along the road of the occupational disease problem.
1936
Mr. Smith's paper on Occupational Disease Cover in New York records in a concise manner the pertinent facts in connection with the development of the rates and rating plans for the "All-Inclusive Occupational Disease" amendment to the New York Workmen's Compensation Law which became effective on September 1, 1935.
1936
The writer, being in complete agreement with Mr. Goddard's views, has little to say other than to acknowledge his indebtedness for a comprehensive and understanding review.
1936
Mr. McConnell's study of group rate levels has provided us with the important fact, not definitely realized before, that rate levels will vary by industry group, even though a single rate level is used for the entire state.
1936
Mr. McConnell's study of group rate levels has provided us with the important fact, not definitely realized before, that rate levels will vary by industry group, even though a single rate level is used for the entire state.
1936
It is difficult to criticize a paper which is an able exposition of a successful piece of work. Mr. Waite's paper is a valuable addition to the literature of cost analysis as applied to insurance work. There is considerable literature on manufacturing costs but when the insurance man finds it necessary to distribute his costs by line of insurance he must for the most part blaze his own trail.
1936
The paper presented by Mr. Wake seems to cover this subject fully. For a very large carrier the expense incident to the collection of data is perhaps insignificant. For the small carrier to go into all of this intricate detail would perhaps be unwarranted.
1936
The writer is deeply appreciative of the kind comments which are interspersed in Mr. Carlson's constructive criticism of this paper on deductible and excess coverages. This discussion is a valuable addition to the material already available in the Proceedings on this subject because it includes information on the changes in the rating methods which have been made effective within the last year.
1936
As in the paper presented two years ago on Product Liability Insurance, Mr. Cahill has given us in this paper on Deductible and Excess Coverages for Liability lines other than automobile a valuable and needed contribution to the actuarial science set forth in the proceedings of our Society. In the past we have heard several papers which touched this subject, but touched it no more than tangentially, and only from the point of view of theory.
1936
Relatively few risks under the various Liability and Property Damage lines, other than Automobile, have been written in the past on either a deductible or an excess coverage basis. There is, however, a growing trend toward writing certain types of risks under these lines of insurance on a deductible basis.
1936
Mr. Crane's article on Commercial Accident and Health Reinsurance is of real interest to the accident and health fraternity as it is one of the very few papers commenting on the very important subject of accident and health reinsurance. Although, as Mr.
1936
One of the major problems, if not the most important one, confronting casualty insurance companies in this country at the present time is that presented by the Automobile Liability line, particularly as respects the writing of Private Passenger cars.
1935
It is perhaps early to review Mr. Kormes' paper before both parts have been presented, but the following discussion is directed to the history of the experience rating plan as applied to workmen's compensation risks, which is included in the first part. Mr. Kormes has presented a comprehensive paper on a subject rather neglected in the Proceedings.
