This is the fifth and final in a Series of five manuals produced by the Social Security Department of the ILO to provide the reader with information on all the major elements of social security, including the principles, administration, financing, pension schemes and social health insurance. It provides an overview of social health insurance schemes and looks at the development of health care policies and feasibility issues. In addition, it also examines the design of health insurance schemes, health care benefits, financing and costs, and organization as well as considering the operational and strategic information requirements. Other manuals in this series: - Social security principles (Vol. I) - Administration of social security (Vol. II) - Social security financing (Vol. III) - Pension schemes (Vol. IV)

An account of the legal battle to open up New Jersey's suburbs to the poor, looking at the views of lawyers on both sides of the controversy. It is a case study of judicial activism and its consequences and an analysis of suburban attitudes regarding race, class and property.

Welfare reform was supposed to end welfare as we know it. And it has. The welfare poor have been largely transformed into the working poor but their poverty persists. This hard-hitting book takes a close look at where we've gone wrong and where we might go next if we truly want to improve the lot of America's underclass.

Tracing the roots of recent reforms to the early days of the war on poverty, A Poverty of Imagination describes a social welfare system grown increasingly inept, corrupt, and susceptible to conservative redesign. Author David Stoesz details the new ideas, hatched in conservative think tanks of the eighties and elaborated through state experiments in welfare reform, that provided the outline for the 1996 Federal Welfare Act. Welfare-to-work and other behavioral objectives were the basis of these reforms; and an informed skepticism about such approaches is at the heart of Stoesz's book. Investigating the causes of the ongoing failure of welfare assistance, Stoesz focuses on the economic barriers that impede movement out of poverty into the American mainstream.

Stoesz suggests that a form of "bootstrap capitalism" would allow individuals and families to participate more fully in American society and achieve upward economic mobility and stability. This proposal, emphasizing wage supplements, asset building, and community capitalism, sets the stage for the next act in poverty policy in the United States. With its valuable insights on the American welfare system and its positive agenda for change, this book makes a significant intervention in our ongoing struggle to come to terms with widespread poverty in the wealthiest nation on earth.

For centuries, traditional medicine has been infused with a masculine bias, often to the disadvantage of both doctors and patients. This book challenges prevailing views and offers a family-oriented feminist approach to the practice of medicine. Drawing on her 20 years of experience as a family doctor, the author dissects the assumptions underlying current teachings about child and adult development, sexual abuse, the family life cycle, and family systems. She exposes the ways in which women are often ignored, subordinated, or blamed in the modern medical system. For example, she notes that women are often held solely responsible for all problems in their families, including child abuse and battering.

In these pages you will find inspiring, true stories of people who didn't have hope―until they had a home. Stories of children who gained identity and confidence for their future. Of families made stronger and healthier and prison inmates who are now giving back to their communities. Of entire communities bonding together around an ethic of hard work and mutual respect. Of denominational, political, and racial barriers falling with every swing of the hammer. Of a growing host of young people engaged in the quest to end poverty housing. And even some wonderful love stories.

The end result is nothing less than the transformation of lives, communities, and families―one person, one home at a time. Which, of course, has always been the dream―to build more than houses.

"Habitat for Humanity is building much more than houses. By building hope it is building relationships, strengthening communities, and nurturing families." ―Actor Paul Newman, Habitat supporter

"Rosalynn and I believe in Habitat's integrity, effectiveness, and tremendous vision. With Habitat, we build more than houses. We build families, communities, and hope." ―Former U.S. President Jimmy Carter

"I could have gone through my whole life bouncing back and forth on welfare. Habitat makes a difference, and allows people to be what God intended them to be instead of what their circumstances dictate." ―Missouri homeowner Terrie Robinson

How can we help distressed neighborhoods recover from a generation of economic loss and reposition themselves for success in today's economy? While many have proposed solutions to the problems of neighborhoods suffering from economic disinvestment, John Kromer has actually put them to work successfully as Philadelphia's housing director. Part war story, part how-to manual, and part advocacy for more effective public policy, Neighborhood Recovery describes how a blending of public-sector leadership and community initiative can bring success to urban communities. Kromer's framework for neighborhood recovery addresses issues such as* neighborhood strategic planning* home ownership and financing* the role of community-based organizations* public housing* work-readiness and job training for neighborhood residents* housing for homeless people and others with specialized needs* the importance of advocacy in influencing and advancingneighborhood reinvestment policy.Neighborhood Recovery presents a policy approach that cities can use to improve the physical condition of their neighborhoods and help urban residents compete for good jobs in the metropolitan economy. Kromer's experience in Philadelphia reveals challenges and opportunities that can decisively influence the future of neighborhoods in many other American cities.

Drawing on socio-legal, economic and broader housing research, this work is a critique of the development of both housing law and housing policy. In the three sections of the book the author discusses the regulatory crisis affecting each housing tenure, access to housing, and finally individual housing rights in the context of a shift towards individual responsibility.

This is the first in a Series of five manuals produced by the Social Security Department of the ILO to provide the reader with information on all the major elements of social security, including the principles, administration, financing, pension schemes and social health insurance. This manual provides an introduction to social security, explaining what social security is and who it protects. It also takes a look at the range of benefits provided by social security schemes, explains briefly how those schemes are financed and administered, and deals with International Labour Standards in relation to social security issues. Other manuals in this series: - Administration of social security (Vol. II) - Social security financing (Vol. III) - Pension schemes (Vol. IV) - Social health insurance (Vol. V)

The New Deal was not the same deal for men and women--a finding strikingly demonstrated in Divided Citizens. Rich with implications for current debates over citizenship and welfare policy, this book provides a detailed historical account of how governing institutions and public policies shape social status and civic life. In her examination of the impact of New Deal social and labor policies on the organization and character of American citizenship, Suzanne Mettler offers an incisive analysis of the formation and implementation of the pillars of the modern welfare state: the Social Security Act, including Old Age and Survivors' Insurance, Old Age Assistance, Unemployment Insurance, and Aid to Dependent Children (later known simply as "welfare"), as well as the Fair Labor Standards Act, which guaranteed the minimum wage.

Mettler draws on the methods of historical-institutionalists to develop a "structured governance" approach to her analysis of the New Deal. She shows how the new welfare state institutionalized gender politically, most clearly by incorporating men, particularly white men, into nationally administered policies and consigning women to more variable state-run programs. Differential incorporation of citizens, in turn, prompted different types of participation in politics. These gender-specific consequences were the outcome of a complex interplay of institutional dynamics, political imperatives, and the unintended consequences of policy implementation actions. By tracing the subtle and complicated political dynamics that emerged with New Deal policies, Mettler sounds a cautionary note as we once again negotiate the bounds of American federalism and public policy.

Current welfare reforms -- including recently enacted federal legislation -- are largely symbolic politics, argue two experts in this important new book. According to Joel F. Handler and Yeheskel Hasenfeld, the real problem we face is not the spread of welfare but the spread of poverty among the working poor, a group that includes most welfare recipients. The surest way to solve the problem is to create jobs and supplement low-wage work. The authors offer proposals that would make it possible for individuals to support themselves and their families through working and that would establish a safety net for those relatively few individuals who arc unable to do so.

The authors discuss current policies, efforts, and programs designed to deal with the poor and analyze what works, what does not work, and why. Instead of income maintenance strategies, they promote policies that would facilitate leaving welfare for work -- particularly in the case of single mothers. Their proposals range from creating jobs and supplementing income through the Earned Income Tax Credit (EITC) to raising the minimum wage to providing health insurance and child care support. These are not inexpensive solutions, but they must occur if we truly wish to live in a society that strives to provide opportunities for all.

"A substantial contribution to the critical debate occurring in the states about structuring 'welfare reform.'" -- Lucy A. Williams, School of Law, Northeastern University

"This book contributes in innovative and significant ways to the ongoing discussion of poverty and welfare reform". -- Gary D. Sandefur, University of Wisconsin-Madison

This is the second in a Series of five manuals produced by the Social Security Department of the ILO to provide the reader with information on all the major elements of social security, including the principles, administration, financing, pension schemes and social health insurance. This manual deals with one of the most important aspects for any social security institution or scheme administration. It provides a general overview, looks at policy, structures, common features and examines principles of good management, as well as levels of administration, coverage, registration procedures, collection and recording of contributions, and the award and payment of benefits. The public relations element is also dealt with and a close look is taken at the management of human resources, recruitment, training, career development and performance. Other manuals in this series: - Social security principles (Vol. I) - Social security financing (Vol. III) - Pension schemes (Vol. IV) - Social health insurance (Vol. V)

The Welfare and Retirement Fund of the United Mine Workers of America (UMWA) is widely acknowledged as the most innovative effort at group health care in the United States in the twentieth century. Ivana Krajcinovic describes the establishment, operation, and demise of the Fund that brought mining families from the backwater to the forefront of medical care in less than a decade.

The UMWA was one of the first unions to take advantage of conditions created by World War II to bargain for employer-financed health benefits. Spurning convention, the UMWA not only retained control of health benefits but also utilized then unorthodox managed care principles in arranging for the care of its members. Perhaps even more remarkable, the union designed the Fund to care for a beneficiary group with extremely high demands. Initially poor and neglected, miners were encumbered by the additional health burdens of a hazardous industry.

Krajcinovic analyzes the success of the Fund over nearly three decades in providing high-quality cost-effective care to miners and their families. She also explains the irony of its dismantlement at the very moment when its innovations gained currency among mainstream commercial plans.

Marriage is the foundation of the family and of society. Yet many of us find it difficult to keep our marriages alive and well. So many marriages today end in tears that young people often wonder whether they should marry at all. Mehri Sefidvash's Coral and Pearls looks at some of the reasons why relationships fail to thrive and offers practical suggestions for keeping our marriages vibrant, joyous and intact: * What we can do to keep our love for our partner alive * How we can develop mature love * How we can create a spiritual bond with our partner.

Mentally ill people turned out of institutions, crack-cocaine use on the rise, more poverty, public housing a shambles: as attempts to explain homelessness multiply so do the homeless-and we still don't know why. The first full-scale economic analysis of homelessness, Making Room provides answers quite unlike those offered so far by sociologists and pundits. It is a story about markets, not about the bad habits or pathology of individuals. One perplexing fact is that, though homelessness in the past occurred during economic depressions, the current wave started in the 1980s, a time of relative prosperity. As Brendan O'Flaherty points out, this trend has been accompanied by others just as unexpected: rising rents for poor people and continued housing abandonment. These are among the many disconcerting facts that O'Flaherty collected and analyzed in order to account for the new homelessness. Focused on six cities (New York, Newark, Chicago, Toronto, London, and Hamburg), his studies also document the differing rates of homelessness in North America and Europe, and from one city to the next, as well as interesting changes in the composition of homeless populations. For the first time, too, a scholarly observer makes a useful distinction between the homeless people we encounter on the streets every day and those "officially" counted as homeless. O'Flaherty shows that the conflicting observations begin to make sense when we see the new homelessness as a response to changes in the housing market, linked to a widening gap in the incomes of rich and poor. The resulting shrinkage in the size of the middle class has meant fewer hand-me-downs for the poor and higher rents for the low-quality housing that is available. O'Flaherty's tightly argued theory, along with the wealth of new data he introduces, will put the study of homelessness on an entirely new plane. No future student or policymaker will be able to ignore the economic factors presented so convincingly in this plainspoken book.

This volume explains why there is bipartisan interest in US privatisation of public housing and how it can be accomplished.

In the 1980s and early 1990s, America's system of workers' compensation insurance was in trouble. As medical costs grew and benefits and compensable injuries expanded, costs of this insurance skyrocketed. In response, the states imposed price controls, but those controls caused unforeseen - and negative - consequences. The authors define the problems, trace the regulatory responses, and analyze the effects of rate regulation. Their study illuminates how rate regulation set up to control the cost of workers' compensation insurance reduced incentives for safety and cost control and subsidized high-risk activities and firms at the expense of others.

That a country of wealth cannot provide sound housing for those in need is a national embarrassment. This book is about the design of dignified, affordable housing for those not served by the private sector, and how that housing fits comfortably into American communities. It is a non-technical analysis for everyone interested in the creation of affordable housing. Through discussions of cost, politics, and design concepts, as well as case studies of completed projects, it gives solutions to the dilemmas posed by the development process. Good housing design is a delicate balance of community values, individual needs, aesthetic judgements and technical requirements. Good design can save money - 70 per cent of the cost of a new dwelling is affected by planning and design. As a key ingredient in community building, housing should bestow on its inhabitants a sense of dignity, says Davis. To view this as a privilege for those who can afford market-rate housing invites both social and financial disaster. He also considers the American obsession with the single-family house and the historical ambivalence toward subsidized housing-attitudes that have often led to the stigmatization of low-income gr

The need for social safety nets has become a key component of poverty reduction strategies. Over the past three decades several developing countries have launched a variety of programs, including cash transfers, subsidies in-kind, public works, and income-generation programs. However, there is little guidance on appropriate program design, and few studies have synthesized the lessons from widely differing country experiences. This report fills that gap. It reviews the conceptual issues in the choice of programs, synthesizes cross-country experience, and analyzes how country- and region-specific constraints can explain why different approaches are successful in different countries.

Few American social programs have been more unpopular, controversial, or costly than Aid to Families with Dependent Children (AFDC). Its budget, now in the tens of billions of dollars, has become a prominent target for welfare reformers and outraged citizens. Indeed, if public opinion ruled, AFDC would be discarded entirely and replaced with employment. Yet it persists. Steven Teles's provocative study reveals why and tells us what we should do about it. Teles argues that, over the last thirty years, political debate on AFDC has been dominated by an impasse created by what he calls "ideological dissensus"-an enduring conflict between opposing cultural elites that have largely disregarded public opinion. Thus, he contends, one must examine the origins and persistence of elite conflict in order to fully comprehend AFDC's immunity to the reform it truly needs-the kind that unites the elements of order, equality, and individualism central to the American creed. One of the first studies to analyze AFDC from a "New Democrat" position, Whose Welfare? sheds new light on the controversial role of the courts in AFDC, the rise of welfare waivers in the mid 1980s, the failure of the Clinton welfare plan, and the victory of block-granting over policy-oriented welfare reform. Teles, however, goes beyond mere critical analysis to advocate specific approaches to reform. His thoughtful call for compromise built around the centrality of work, individual responsibility, and opportunity offers a means for dissolving dissensus and genuine hope for changing an outdated and ineffectual welfare system. Based on interviews with participants in the AFDC policymaking process as well as an unparalleled synthesis of the voluminous AFDC literature, Whose Welfare? will appeal to a wide array of welfare scholars, policymakers, and citizens eager to better understand the tumultuous history of this problematic program and how it might fare in the wake of the fall elections.

During the first half of the twentieth century, out-of-wedlock pregnancy came to be seen as one of the most urgent and compelling problems of the day. The effort to define its meaning fueled a struggle among three groups of women: evangelical reformers who regarded unmarried mothers as fallen sisters to be saved, a new generation of social workers who viewed them as problem girls to be treated, and unmarried mothers themselves. Drawing on previously unexamined case records from maternity homes, Regina Kunzel explores how women negotiated the crisis of single pregnancy and analyzes the different ways they understood and represented unmarried motherhood. Fallen Women, Problem Girls is a social and cultural history of out-of-wedlock pregnancy in the United States from 1890 to 1945. Kunzel analyzes how evangelical women drew on a long tradition of female benevolence to create maternity homes that would redeem and reclaim unmarried mothers. She shows how, by the 1910s, social workers struggling to achieve professional legitimacy tried to dissociate their own work from that earlier tradition, replacing the reform rhetoric of sisterhood with the scientific language of professionalism. By analyzing the important and unexplored transition from the conventions of nineteenth-century reform to the professional imperatives of twentieth-century social welfare, Kunzel offers a new interpretation of gender and professionalization. Kunzel places shifting constructions of out-of-wedlock pregnancy within a broad history of gender, sexuality, class, and race, and argues that the contests among evangelical women, social workers, and unmarried mothers distilled larger generational and cross-class conflicts among women in the first half of the twentieth century.

JFK tagged him "Mr. Social Security." LBJ praised him as the "planner, architect, builder and repairman on every major piece of social legislation since 1935]." The New York Times called him "one of the country's foremost technicians in public welfare." Time portrayed him as a man of "boundless energy, infectious enthusiasm, and a drive for action." His name was Wilbur Cohen.

For half a century from the New Deal through the Great Society, Cohen (1913-1987) was one of the key players in the creation and expansion of the American welfare state. From the Social Security Act of 1935 through the establishment of disability insurance in 1956 and the creation of Medicare in 1965, he was a leading articulator and advocate of an expanding Social Security system. He played that role so well that he prompted Senator Paul Douglas's wry comment that "an expert on Social Security is a person who knows Wilbur Cohen's telephone number."

The son of Jewish immigrants, Cohen left his Milwaukee home in the early 1930s to attend the University of Wisconsin and never looked back. Filled with a great thirst for knowledge and wider horizons, he followed his mentors Edwin Witte and Arthur Altmeyer to Washington, D.C., and began a career that would eventually land him a top position in LBJ's cabinet as Secretary of Health, Education, and Welfare.

Variously described as a practical visionary, an action intellectual, a consummate bureaucrat, and a relentless incrementalist, Cohen was a master behind-the-scenes player who turned legislative compromise into an art form. He inhabited a world in which the passage of legislation was the ultimate reward. Driven by his progressive vision, he time and again persuaded legislators on both sides of the aisle to introduce and support expansive social programs. Like a shuttle in a loom he moved invisibly back and forth, back and forth, until the finely woven legislative cloth emerged before the public's eye.

Nearly a decade after his death, Cohen and his legacy continue to shadow the debates over social welfare and health care reform. While Congress swings with the prevailing winds in these debates, Social Security's prominence in American life remains vitally intact. And Wilbur Cohen is largely responsible for that.

OVER 1,000 SOURCES OF FREE DOLLARS AND ASSISTANCE FOR SENIORS

Millions of dollars of services are available to help seniors and their caregivers get the top quality care they need for free or at a minimal cost. Many people with needs just like yours are already receiving free money and services for medical treatment, meals, long-term specialized care, and at-home assistance. But in order to get these benefits, you have to locate and tap into the government, community, and private agencies that offer them.

Leading free money expert Laurie Blum shows you how to navigate the bureaucratic maze. She provides:

• Over 1,000 sources of free financial aid, complete with contact names, addresses, and phone and fax numbers
• Listings of hundreds of government, community, and private organizations that provide nonfinancial assistance
• Clear step-by-step instructions for assessing your needs, evaluating services, working with caregivers, and making legal arrangements
• Smart ways to choose at-home and alternative housing for self-sufficient seniors or those needing special care

This remarkably ambitious work relates changes in scientific and medical thought during the Scientific Revolution (circa 1500-1700) to the emergence of new principles and practices for interpreting language, texts, and nature. An invaluable history of ideas about the nature of language during this period, The Word of God and the Languages of Man also explores the wider cultural origins and impact of these ideas. Its broad and deeply complex picture of a profound sociocultural and intellectual transformation will alter our definition of the scientific revolution. James J. Bono shows how the new interpretive principles and scientific practices of the sixteenth and seventeenth centuries evolved in response to new views of the relationship between the "Word of God" and the "Languages of Man" fostered by Renaissance Humanism, Neoplatonism, magic, and both the reformed and radical branches of Protestantism. He traces the cultural consequences of these ideas in the thought and work of major and minor actors in the scientific revolution--from Ficino and Paracelsus to Francis Bacon and Descartes. By considering these natural philosophers in light of their own intellectual, religious, philosophical, cultural, linguistic, and especially narrative frameworks, Bono suggests a new way of viewing the sociocultural dynamics of scientific change in the pre-modern period--and ultimately, a new way of understanding the nature and history of scientific thought. The narrative configuration he proposes provides a powerful alternative to the longstanding "revolutionary" metaphor of the history of the scientific revolution.

During the depression of the 1930s, both the United States and New Zealand passed a Social Security Act. Both countries were developed nations of the "new world," and each statute was an omnibus measure aimed at protecting citizens from the poverty so visible at the time. The two acts, however, were very different. The New Zealand measure was absolute, promising everyone medical care and a reasonable income in every circumstance. It redistributed income downward. The U.S. act addressed only a handful of risks, and each of its two main programs covered less than half of the population. Its benefits were funded by regressive taxes, and the main programs promised more help, not to persons in greater need, but to those from higher-paying jobs.

Scholars of comparative public policy have tried to account for such differences among welfare states. Their explanations have commonly stressed economic, cultural, bureaucratic, or political differences among countries. The character of life in these two countries makes it possible to conclude simply that the United States and New Zealand passed contrasting acts because their histories were different. Richards argues that this conclusion is too vague. After all, the Social Security Acts did not materialize from national ambiance. He shows that the contrasts between the two systems stemmed from national differences that were inveterate, with the differences between their political systems being the most direct influence. By closely examining the two systems of government, Richards reveals that the U.S. Social Security Act reinforced the country's inequalities while New Zealand's act reflected that nation's legislative and electoral arrangements, which allowed bold policy-making by politicians who knew the pain of poverty.

"Hannah Kliger has provided an important service to historians... " Journal of American Ethnic History

..". Hannah Kliger has provided a valuable primary source for studying immigrant Jewry and has argued forcefully for the resiliency and adaptability of ethnic institutions as mechanisms for Jewish adaptation and survival." American Jewish Archives

Struggling to cope in a strange land, immigrants in the early years of this century gathered with compatriots from their old hometowns and with family for their social life and to form support systems. Here is an illuminating portrait of community life among Jewish immigrants from Eastern Europe, as seen by participants in landsmanshaftn (hometown associations) and family circles. Prepared in the 1930s through the WPA-sponsored Yiddish Writer s Group, this revealing document is published here for the first time."