Recidivism Insurance
moultano
Creator of ns_shiva. Join Date: 2002-12-14 Member: 10806Members, NS1 Playtester, Contributor, Constellation, NS2 Playtester, Squad Five Blue, Reinforced - Shadow, WC 2013 - Gold, NS2 Community Developer, Pistachionauts
Creator of ns_shiva. Join Date: 2002-12-14 Member: 10806Members, NS1 Playtester, Contributor, Constellation, NS2 Playtester, Squad Five Blue, Reinforced - Shadow, WC 2013 - Gold, NS2 Community Developer, Pistachionauts
<div class="IPBDescription">A business idea</div> <ul><li>More than two million men and women are behind bars in the United States. </li><li>70% of released prisoners are back in jail within 5 years.</li><li>It is nearly impossible to find gainful employment with a significant criminal record.</li></ul>There is clearly a problem with the criminal justice system. The US incarcerates a larger percentage of its population than any other country in the world. People argue back and forth about harsh punishments vs. rehabilitation, etc. But no one has come up with a good way to get past the fact that ex-cons can't get jobs. When you can't get a job, you are more likely to become a criminal, and thus the process repeats.
Consider a business that offers the following: People newly released from jail will be given the option of paying a small monthly fee to a recidivism insurance company. In exchange for which, the insurance company would agree to assume liability for any damages that result from hiring the person.
Do you think this would be viable as a business, and do you think it would provide a significant benefit to society? Discuss.
(optional addition: prisoners released on good behavior could have their monthly payments subsidized by the government.)
Consider a business that offers the following: People newly released from jail will be given the option of paying a small monthly fee to a recidivism insurance company. In exchange for which, the insurance company would agree to assume liability for any damages that result from hiring the person.
Do you think this would be viable as a business, and do you think it would provide a significant benefit to society? Discuss.
(optional addition: prisoners released on good behavior could have their monthly payments subsidized by the government.)
Comments
the one posible problem would be the same reason why Bail Bond company's are almost nonexistant now.
If you screw up, you don't get punished (what are they gona do? Toss me in the pen for not paying my bail bond after I skiped out on Bail?)
On top of that there is still the typical aversion that people have to criminals (no amount of $$ can make up for what hapens if he decides to attack me).
So though it seems like a posible idea, there could be alot of problems with it.
Also, where do the excons get the $$ to pay for this service any way?
Its withheld from their paychecks.
It's bad enough as it is. I know two people who were advised to sign on and claim benefits instead of working because they actually had more money from benefits than they did from working, it would be even worse for those who had to pay this recidivists insurance.
Still I approve overall, something needs to be done to those who have spent time in a jail still employable.
It would also be interesting to find out if something like this would allow ex-cons to get much better jobs than they otherwise would have. Any managers out there on the boards care to comment?
Certainly some people are unhireable, but your idea is a pretty damn good one I think.
But I really don't think that's the best solution to our prison overcrowdings. I think we need to remove certain laws that are not preventing a crime, and becoming nothing more then a burden to the tax payers. I'm talking about drug laws, which have done nothing to prevent drug use what so ever.
I don't like, support, or use drugs, but even I can see the pointlessness of trying to keep that sham of a law running any longer.
If people want to get the stuff they will find a way.
Stop arresting people for drug use and watch prison numbers drop drastically.
If they still want to go after the dealers that’s fine, save it for the big fish.
Arresting drug users in mass, which my town does ALL the time, does nothing to stop the problem and simply becomes a burden on the system.
But I guess thats a bit off topic.
Well I'm no genius but I think with one of those you <i>kill people</i>.
Well I'm no genius but I think with one of those you <i>kill people</i>. <!--QuoteEnd--> </td></tr></table><div class='postcolor'> <!--QuoteEEnd-->
I think he's trying to say that if they don't have a job they don't have a life anyway... it's valid but there are those ethical issues...
I wouldn't necessarily hire them all even though I do trust them, it's just that quite a few of them don't have a work ethic or a sense of responsibilty. Good people at a party but not in the office next door.
he was in for attempted murder, and he also used to be a drug dealer.
Now he works as a stock clerk. Nice guy, as hard working as the rest of the slackers that work there. He also no longer sells drugs, as he knows it is just a bad idea.
So yes, any one can change.
As for the Recidivism <b>Insurance</b>
What every one is forgetting is that there is a good chance that a private company probably couldn't do this, and if it is done by the govn't then that will be even more $$ down the drain.
Remember, this is insurance. The amount of damage that could be done by a not-so-Ex-Con in a workplace is ALOT. This means that the company doing this would have to beable to make enugh $$ (via investments), off of the minimal amount of $$ that these ExCons pay them, to be able to pay out rather heafty claims.
As I am NOT an actuary, I can't tell you if this is a problem or not. However, I am guessing it is. Remember, medical insurance is a few hundred a month (more then you can likely pay with a minimum wage job).