“…Work accident insurance was however missing in only one country, the USA. In contrast, unemployment insurance, generally the insurance programme to appear latest of those considered here (Carroll 1999;Väisänen 1992), was lacking in half of the countries, namely Australia, Canada, Finland, France, Japan, New Zealand, Norway, Sweden, and the USA. In 1950, however, old age pension, unemployment insurance and work accident insurance had been introduced in all of them, while sickness insurance was still not introduced in three of the countries, Canada, Finland and the USA.…”