Touted as “employee welfare” schemes since the 1950s, both have failed their clients since birthing and in COVID. Covid reminds us that a modern state is a welfare state — governments worldwide launched 1,600 plus new social protection programmes in 2020. It also reinforces the importance of resources — America’s fiscal deficit this year is … Continue reading Covid Is An Opportunity To Make Structural Changes To Our Largest Health Insurance And Pension Schemes