Liselotte Eriksson
Dados Biográficos
| ID | 3953459 |
|---|---|
| NOME | Liselotte Eriksson |
| PRENOMES | Liselotte |
| SOBRENOME | Eriksson |
| ASSINATURA | ERIKSSON L |
| AFILIAÇÕES | Umeå University |
| ORCID | 0000-0003-2591-6579 |
| VERIFICADO | Sim |
| TOTAL DE OBRAS | 14 |
| TOTAL DE CITAÇÕES | 13 |
| TOTAL COMO AUTOR | 14 |
| TOTAL COMO EDITOR | 0 |
| PRIMEIRO ANO DE PUBLICAÇÃO | 2010 |
| ANO MAIS RECENTE DE PUBLICAÇÃO | 2025 |
| ÍNDICE H | 2 |
Insuring women’s work
The common narrative about historical health insurance societies emphasizes that they compensated the male breadwinner’s lost income. However, this fails to explain the relatively high and increasing share of female members, including unpaid domestic workers, in Swedish health insurance societies during the early twentieth century. To amend this lack of explanation, this paper investigates the rationale for women’s enrollment in health insurance …
Between voluntarism and compulsion
Membership in mutual health insurance societies spread among industrial workers in the late nineteenth century. We study determinants of such membership among male workers in Swedish manufacturing by using matched employer-employee data from three industries covering all workers (i.e. members and non-members, N > 12 000) and firms around 1900. We find remarkably high rates of membership overall, and especially among married workers. The associati…
Pre-welfare state provision and adverse selection
Mutual benefit societies evolved as the major provider for sickness, accident and life insurance in the late nineteenth and early twentieth centuries on both sides of the Atlantic. One of the major problems facing insurers was the risk of adverse selection, i.e. that unhealthy individuals had more incentives than healthy individuals to insure when priced for the average risk. By empirically examining whether longevity among insured individuals in…
Household risk strategies during a pandemic – experiences from the 1918 influenza pandemic
In 2020, The COVID-19 crisis has put great pressure on the economy worldwide. Only time can tell whether the COVID-19 crisis will have permanent effects on corporate and household behaviour and how it will affect society at large. This article examines historical experiences of how households managed the financial consequences of rising mortality during the 1918 influenza pandemic. We find that the previous pandemic led to an immediate and major …
Supply or demand? Institutionalization of the mentally ill in the emerging Swedish welfare state, 1900–59
Historical studies on the institutionalization of the mentally ill have primarily relied on data for institutionalized patients rather than the population at risk. Consequently, the underlying factors of institutionalization are unclear. Using Swedish longitudinal microdata from 1900–59 reporting mental disorders, we examine whether supply factors, such as distance to institutions and number of asylum beds, influenced the risk of institutionaliza…
Did statutory insurance improve the welfare of Swedish workers? The statutory workplace accident insurance act of 1916
Welfare researchers have regarded statutory accident insurance in 1916 as a starting point for the exceptional expansion of the Swedish welfare state. However, rather less attention has been paid to the roles played by mutual insurance societies and employer compensation schemes in offering voluntary welfare protection. We argue that voluntary welfare protection was an integral part of the early-twentieth century welfare system and played a cruci…
Workplace accidents and workers' solidarity
During the industrialization period, the rate of workplace-related accidents increased. Because of the lack of public insurance, mutual health insurance societies became the main providers of workplace accident insurance among workers. Due to large differences in accident risk, health insurance societies were potentially exposed to the risk of adverse selection, since they employed equal pricing for all members regardless of risk profile. This ar…
Managing policy lapse risk in Sweden’s life insurance market between 1915 and 1947
We examine the challenges that Swedish life insurers faced in managing the lapse risk of policies written on the lives of the industrial urban working class between 1915 and 1947. We observe that with the threat of State socialisation of insurance in the 1930s, industrial life insurers modified their business practices to better control policy lapses. Using firm-level data, we also analyse the effect of socio-economic changes, such as rising real…
Sober business
This study examines how the Swedish insurance company Ansvar established and expended an international business from the 1930s to the 1990s with the motives to insure total abstainers while battling against alcohol abuse in society. Anvar represented a for-profit business that aimed at addressing social issues. The case provides a historical example of how shared value was created between the company and the temperance movement for the joint goal…
Exclusion of women and organisational characteristics
Mutual societies have been recognised for their ability to mitigate information asymmetry. Although successful in reducing sickness claims, the exclusion of women was common. Health insurance societies argued the exclusion was a means to reduce adverse selection and moral hazard since women were regarded as higher risk. In this paper, we explore differences in organisational characteristics between societies that excluded and societies that did n…
Sickness absence in compulsory and voluntary health insurance
At the turn of the twentieth century, Swedish health insurance was organised according to the Western European models of both voluntary, ‘fraternal’ principles and compulsory, ‘factory scheme’ principles. In this paper, we trace the characteristics of both organisational forms, and compare the sickness absence by considering the role of risk selection and mitigation across a large panel of voluntary and compulsory health insurance societies opera…
The compulsory public pension and the demand for life insurance
We employ cost-of-living surveys, business archives, and firm data to examine the impact of the compulsory pension on the demand for life insurance in Sweden from 1884 to 1914-a period that covers the implementation of the first public compulsory old-age pension reform and the take-off of industry life insurance. As predicted on the basis of the contemporary literature on crowding-out effects, we find that the compulsory pension reduced the deman…
Beneficiaries or policyholders? The role of women in Swedish life insurance 1900–1950
In the second half of the nineteenth century, women were depicted as dependents and beneficiaries and men as breadwinners and policyholders in Swedish life insurance sales promotions. Furthermore, life insurance was assumed to be a middle-class concern. The notion of the life insurance policyholder as ‘middle class’ and ‘male’ was first contested with the introduction of industrial life insurance, i.e. life insurance for the working classes and a…
Life insurance and income growth
In this paper we provide an analysis of the life insurance market in Sweden from the early nineteenth century to the mid-twentieth century. We consider determinants put forward in the financial history literature to explain the growth of life insurance. The paper shows that income elasticity of demand gives a fairly good approximation of the development in the twentieth century, while the development of risk and insurance innovation among other t…
Exclusion of women and organisational characteristics
Mutual societies have been recognised for their ability to mitigate information asymmetry. Although successful in reducing sickness claims, the exclusion of women was common. Health insurance societies argued the exclusion was a means to reduce adverse selection and moral hazard since women were regarded as higher risk. In this paper, we explore differences in organisational characteristics between societies that excluded and societies that did n…
Beneficiaries or policyholders? The role of women in Swedish life insurance 1900–1950
In the second half of the nineteenth century, women were depicted as dependents and beneficiaries and men as breadwinners and policyholders in Swedish life insurance sales promotions. Furthermore, life insurance was assumed to be a middle-class concern. The notion of the life insurance policyholder as ‘middle class’ and ‘male’ was first contested with the introduction of industrial life insurance, i.e. life insurance for the working classes and a…
Workplace accidents and workers' solidarity
During the industrialization period, the rate of workplace-related accidents increased. Because of the lack of public insurance, mutual health insurance societies became the main providers of workplace accident insurance among workers. Due to large differences in accident risk, health insurance societies were potentially exposed to the risk of adverse selection, since they employed equal pricing for all members regardless of risk profile. This ar…
The compulsory public pension and the demand for life insurance
We employ cost-of-living surveys, business archives, and firm data to examine the impact of the compulsory pension on the demand for life insurance in Sweden from 1884 to 1914-a period that covers the implementation of the first public compulsory old-age pension reform and the take-off of industry life insurance. As predicted on the basis of the contemporary literature on crowding-out effects, we find that the compulsory pension reduced the deman…
Between voluntarism and compulsion
Membership in mutual health insurance societies spread among industrial workers in the late nineteenth century. We study determinants of such membership among male workers in Swedish manufacturing by using matched employer-employee data from three industries covering all workers (i.e. members and non-members, N > 12 000) and firms around 1900. We find remarkably high rates of membership overall, and especially among married workers. The associati…
Did statutory insurance improve the welfare of Swedish workers? The statutory workplace accident insurance act of 1916
Welfare researchers have regarded statutory accident insurance in 1916 as a starting point for the exceptional expansion of the Swedish welfare state. However, rather less attention has been paid to the roles played by mutual insurance societies and employer compensation schemes in offering voluntary welfare protection. We argue that voluntary welfare protection was an integral part of the early-twentieth century welfare system and played a cruci…
Sober business
This study examines how the Swedish insurance company Ansvar established and expended an international business from the 1930s to the 1990s with the motives to insure total abstainers while battling against alcohol abuse in society. Anvar represented a for-profit business that aimed at addressing social issues. The case provides a historical example of how shared value was created between the company and the temperance movement for the joint goal…
Life insurance and income growth
In this paper we provide an analysis of the life insurance market in Sweden from the early nineteenth century to the mid-twentieth century. We consider determinants put forward in the financial history literature to explain the growth of life insurance. The paper shows that income elasticity of demand gives a fairly good approximation of the development in the twentieth century, while the development of risk and insurance innovation among other t…
Beneficiaries or policyholders? The role of women in Swedish life insurance 1900–1950
In the second half of the nineteenth century, women were depicted as dependents and beneficiaries and men as breadwinners and policyholders in Swedish life insurance sales promotions. Furthermore, life insurance was assumed to be a middle-class concern. The notion of the life insurance policyholder as ‘middle class’ and ‘male’ was first contested with the introduction of industrial life insurance, i.e. life insurance for the working classes and a…
The compulsory public pension and the demand for life insurance
We employ cost-of-living surveys, business archives, and firm data to examine the impact of the compulsory pension on the demand for life insurance in Sweden from 1884 to 1914-a period that covers the implementation of the first public compulsory old-age pension reform and the take-off of industry life insurance. As predicted on the basis of the contemporary literature on crowding-out effects, we find that the compulsory pension reduced the deman…
Sickness absence in compulsory and voluntary health insurance
At the turn of the twentieth century, Swedish health insurance was organised according to the Western European models of both voluntary, ‘fraternal’ principles and compulsory, ‘factory scheme’ principles. In this paper, we trace the characteristics of both organisational forms, and compare the sickness absence by considering the role of risk selection and mitigation across a large panel of voluntary and compulsory health insurance societies opera…
Sober business
This study examines how the Swedish insurance company Ansvar established and expended an international business from the 1930s to the 1990s with the motives to insure total abstainers while battling against alcohol abuse in society. Anvar represented a for-profit business that aimed at addressing social issues. The case provides a historical example of how shared value was created between the company and the temperance movement for the joint goal…
Exclusion of women and organisational characteristics
Mutual societies have been recognised for their ability to mitigate information asymmetry. Although successful in reducing sickness claims, the exclusion of women was common. Health insurance societies argued the exclusion was a means to reduce adverse selection and moral hazard since women were regarded as higher risk. In this paper, we explore differences in organisational characteristics between societies that excluded and societies that did n…
Managing policy lapse risk in Sweden’s life insurance market between 1915 and 1947
We examine the challenges that Swedish life insurers faced in managing the lapse risk of policies written on the lives of the industrial urban working class between 1915 and 1947. We observe that with the threat of State socialisation of insurance in the 1930s, industrial life insurers modified their business practices to better control policy lapses. Using firm-level data, we also analyse the effect of socio-economic changes, such as rising real…
Supply or demand? Institutionalization of the mentally ill in the emerging Swedish welfare state, 1900–59
Historical studies on the institutionalization of the mentally ill have primarily relied on data for institutionalized patients rather than the population at risk. Consequently, the underlying factors of institutionalization are unclear. Using Swedish longitudinal microdata from 1900–59 reporting mental disorders, we examine whether supply factors, such as distance to institutions and number of asylum beds, influenced the risk of institutionaliza…
Did statutory insurance improve the welfare of Swedish workers? The statutory workplace accident insurance act of 1916
Welfare researchers have regarded statutory accident insurance in 1916 as a starting point for the exceptional expansion of the Swedish welfare state. However, rather less attention has been paid to the roles played by mutual insurance societies and employer compensation schemes in offering voluntary welfare protection. We argue that voluntary welfare protection was an integral part of the early-twentieth century welfare system and played a cruci…
Workplace accidents and workers' solidarity
During the industrialization period, the rate of workplace-related accidents increased. Because of the lack of public insurance, mutual health insurance societies became the main providers of workplace accident insurance among workers. Due to large differences in accident risk, health insurance societies were potentially exposed to the risk of adverse selection, since they employed equal pricing for all members regardless of risk profile. This ar…
Pre-welfare state provision and adverse selection
Mutual benefit societies evolved as the major provider for sickness, accident and life insurance in the late nineteenth and early twentieth centuries on both sides of the Atlantic. One of the major problems facing insurers was the risk of adverse selection, i.e. that unhealthy individuals had more incentives than healthy individuals to insure when priced for the average risk. By empirically examining whether longevity among insured individuals in…
Household risk strategies during a pandemic – experiences from the 1918 influenza pandemic
In 2020, The COVID-19 crisis has put great pressure on the economy worldwide. Only time can tell whether the COVID-19 crisis will have permanent effects on corporate and household behaviour and how it will affect society at large. This article examines historical experiences of how households managed the financial consequences of rising mortality during the 1918 influenza pandemic. We find that the previous pandemic led to an immediate and major …
Between voluntarism and compulsion
Membership in mutual health insurance societies spread among industrial workers in the late nineteenth century. We study determinants of such membership among male workers in Swedish manufacturing by using matched employer-employee data from three industries covering all workers (i.e. members and non-members, N > 12 000) and firms around 1900. We find remarkably high rates of membership overall, and especially among married workers. The associati…
Insuring women’s work
The common narrative about historical health insurance societies emphasizes that they compensated the male breadwinner’s lost income. However, this fails to explain the relatively high and increasing share of female members, including unpaid domestic workers, in Swedish health insurance societies during the early twentieth century. To amend this lack of explanation, this paper investigates the rationale for women’s enrollment in health insurance …
Economics (14 obras) · Business (11 obras) · Actuarial science (10 obras) · Political science (9 obras) · Demographic economics (8 obras) · Economic growth (6 obras) · Insurance policy (6 obras) · General insurance (5 obras) · Health care (5 obras) · Health insurance (5 obras)