000130879 001__ 130879
000130879 005__ 20180122222404.0
000130879 037__ $$a1858-2016-152816
000130879 041__ $$aen_US
000130879 084__ $$aN33
000130879 084__ $$aG22
000130879 084__ $$aH55
000130879 245__ $$aIncentives that saved lives: Government regulation of accident insurance associations in Germany, 1884-1914
000130879 260__ $$c2012-08
000130879 269__ $$a2012-08
000130879 270__ $$mtimothy.guinnane@yale.edu$$pGuinnane,   Timothy W.
000130879 270__ $$mj-streb@uni-hohenheim.de$$pStreb,   Jochen
000130879 300__ $$a46
000130879 336__ $$aWorking or Discussion Paper
000130879 490__ $$aEconomic Growth Center Discussion Paper
000130879 490__ $$a1013
000130879 520__ $$aThe German government introduced compulsory accident insurance for industrial firms in 1884. This insurance scheme was one of the main pillars of Bismarck’s famous social insurance system. The accident-insurance system achieved only one of its intended goals: it successfully compensated workers and their survivors for losses due to accidents. The accident-insurance system was less successful in limiting the growth of work-related accidents, although that goal had been a reason for the system’s creation. We trace the failure to stem the growth of accidents to faulty incentives built into the 1884 legislation. The law created mutual insurance groups that used an experience-rating system that stressed group rather than firm experience, leaving firms with little hope of saving on insurance contributions by improving the safety of their own plants. The government regulator increasingly stressed the imposition of safety rules that would force all firms to adopt certain safety practices. Econometric analysis shows that even the flawed tools available to the insurance groups were powerful, and that more consistent use would have reduced industrial accidents earlier and more extensively.
000130879 542__ $$fLicense granted by Louise Danishevsky (louise.danishevsky@yale.edu) on 2012-08-08T20:09:31Z (GMT):

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000130879 650__ $$aLabor and Human Capital
000130879 650__ $$aPolitical Economy
000130879 650__ $$aPublic Economics
000130879 6531_ $$aSocial insurance
000130879 6531_ $$aaccident insurance
000130879 6531_ $$aworkman’s compensation
000130879 6531_ $$aregulation
000130879 700__ $$aGuinnane, Timothy W.
000130879 700__ $$aStreb, Jochen
000130879 8564_ $$s526871$$uhttp://ageconsearch.umn.edu/record/130879/files/DP%201013.pdf
000130879 887__ $$ahttp://purl.umn.edu/130879
000130879 909CO $$ooai:ageconsearch.umn.edu:130879$$pGLOBAL_SET
000130879 912__ $$nSubmitted by Louise Danishevsky (louise.danishevsky@yale.edu) on 2012-08-08T20:14:44Z
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  Previous issue date: 2012-08
000130879 982__ $$gYale University>Economic Growth Center>Center Discussion Papers
000130879 980__ $$a1858