Social Insurance and its Code of Conduct

We all have insurance for something. We insurance our cars, homes, lives, boats, RVs, motorcycles, children, health, pets, and, any number of other things. Premiums are the actual amount of money charged by insurance companies for active coverage. These premiums can fluctuate state to state, area by area and region by region.

Cost is a factor when dealing with any type of insurance. The cost of insurance, your premium, is largely grounded on statistics, not necessarily on individual habits or history. For instance, two people apply for car insurance, one is 22 years old and the other is 46 years old. The 46 year-old, will most likely pay less of a premium for the same insurance coverage.

There is one insurance policy, however, that undergoes constant and dramatic transformation. The premiums for this insurance aren't measured in dollars directly like most insurance; rather, the premiums for this insurance are measured by the growth of the combined areas, regions and countries. It is social insurance.

What is social insurance? Social insurance by definition is any government -sponsored program with three distinct characteristics. They are: 1) benefits, ones defended by statute, 2) one funded by taxes or paid for by the participants, and 3) it's a program that serves a defined population and is either subsidized or compulsory. Social Security is one such social insurance.

The social insurance mentioned here is more of a code of conduct, a moral viewpoint. It is a social responsibility that allows people the right to certain standards of living. World history provides definitive examples that uniformly act as a code of conduct for social insurance, yet this history is one where the political engines, dictatorships, socialists, fascists, conservatives, democrats, and even communist ideologies, to name a few political spectrums, frequently endorse unequivocal written and verbal rules, doctrines and penalties, and interpret binding laws and consequences for social insurances code of conduct that fail the people.

Social insurance's code of conduct should provide for equal treatment due all people in respect to standards of living, the right to live and the right to access core ethical standards. Yet these standards are constantly violated. The violations referenced include unethical responsibilities surrounded by profit taking in a global market at the expense of people in the world when half the world faces disease, famine, and pre-mature death.

Historically, profit taking by corporations leads to cyclical record highs and lows, while drawing direct correlations to social performance of people dependent upon organizational principles of social responsibility. Those predetermined processes of social responsibility are embedded into policies, programs, and outcomes directly related to profit of organizations operating in individual countries.

Yet, it is the profit taking, greed and avarice of organizations that preclude the education, availability of due justice, proper health care, immunization, and suitable habitat for people who are forced to live in sub-standard conditions around the globe.

By definition any organization that does not profit suffers consequences; it loses social appeal - in turn - it fails to profit and meet margins, goals and its ability to be socially responsible. But should the implications of profit taking deter global development or is it the enterprising solutions right to foster recurring poverty based on social irresponsibility?

Global organizations hold billions of dollars in cash, securities, real estate, and other holdings, while many people world-wide want for basic life necessities. As such their ethical justice social standards do not include a code of conduct tied to social insurance, though it is an element essential for improving society. It is an element of social insurance, where education is the key - the premium for social insurance. An uneducated global workforce remains a consequence of failed principle, failed social responsibility, and a failed code of conduct.

Social insurance's code of conduct demands sustainable development through education to empower people, governments and organizations by endorsing unequivocal written and verbal rules, doctrines and penalties, and properly interpreting the binding laws and their consequences to guarantee positive results. Education empowers responsibility and sustains morality of profit, for without education and the time needed to build a socially responsible society, profit taking will eventually diminish, the premiums will remain unpaid and social insurance policies will fail.

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