Getting compensation from an insurance company is just business.

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The second, and more important one, is that the largest benefit by far that American workers receive as a part of their total compensation from employment is health care insurance.

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Depositors in other countries, who were entitled to compensation from the Icelandic deposit-insurance fund, found that the pot in Reykjavik was too small to pay them when the banks went bust.

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Another alternative, an idea similar to that proposed by my colleague Richard Vedder in his book Going Broke by Degree, would be to offer tenure (or enhanced job security) as one of a number of compensation options for which individual faculty choose from a menu of compensation items, including salary, health and life insurance plans, retirement contributions, and time off, etc.

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And even decent insurers risk being dragged down by their owners: one notoriously troubled Russian bank is offering its depositors free insurance from a subsidiary as compensation for their frozen money.

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Leaving fringe benefits, including health insurance, untaxed has encouraged companies to shift a greater share of compensation away from wages.

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As required by Congress, life insurance was deducted from awards, on the theory that the settlement should reflect all compensation due as a result of the attack.

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Thanks to government insurance and health benefits, there has not been much need for injured Europeans to seek compensation from companies.

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