_The Insurance of Motherhood._--Recently, the insurance of
motherhood has been recommended, especially by the advocates of the
emancipation of women, on the following grounds. Neglect of women
during pregnancy, childbirth, and the lying-in period, and neglect
of new-born infants, are responsible for numerous and serious
disadvantages. Childbirth is very painful and extremely arduous,
and the woman who gives birth to a child performs a supremely
valuable social service. The suggestion is, that the insurance
of motherhood should provide for every aspect of women’s task of
reproduction. It should support women during pregnancy; during
parturition, and during the lying-in period; a full allowance should
be provided for eight weeks before and eight weeks after delivery;
free attendance of a midwife, with free medical help if requisite,
and such other care as may be needed, should be provided for the
delivery. In connection with the insurance of motherhood, suitable
homes should be erected for pregnant women, lying-in women, and
new-born infants, and the women and children admitted to these
institutions should be gratuitously supported. The insurance of
motherhood, it is suggested, should be compulsory, on the one hand,
for all wage-earning women, and, on the other, for all married women
whose husbands earn less than a certain minimum wage. All these
women should pay contributions. In other respects, the cost of the
insurance of motherhood should be met on the same lines as the
cost of the _Krankenkassen_ (see note on page 120). Thus it is not
proposed that the insurance of motherhood should take the form of an
entirely independent branch of national insurance. Many contend that
child-bearing is just as necessary a branch of national economy as
the wage-paid labour of men, and that for this reason women should
be directly remunerated for this social service; they wish that the
insurance of motherhood on these lines should provide for the child’s
upbringing until it becomes old enough to earn its own living. But
even the most radical advocates of the insurance of motherhood
regard this idea of the endowment of motherhood as extreme, and as
impracticable at present.
The following objections have been raised against the insurance of
motherhood. (_a_) No sound actuarial foundation can be provided for
such insurance. The birth-rate cannot be predicted with certainty,
so that the amount of contributions and the benefits cannot be
calculated with the requisite precision. (_b_) Motherhood depends
upon physiological processes, and has nothing whatever to do with
illness.
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