April, 13 2010, 11:33am EDT
Tax Day Actions For Peace!
Defund the Afghanistan Escalation! National Call-in Days April 13-15
WASHINGTON
Spring is here, but the endless, pointless wars grind on. U.S. troops are preparing for an offensive in Afghanistan 's Helmand province. As
people lose their homes, their jobs, and struggle to make ends meet; as
teachers are laid off and libraries are closed across America ; money
gushes into the war and military budgets.
Make the Cost of War Clear
On April 15, it will be Tax Day once again. 28 cents out of every tax dollar goes to war, plus another 23 cents for past wars. Tax Day is a great opportunity for peace groups to reach out
to our neighbors and remind them that our economy and public services
are being starved to feed the Pentagon and military contractors.
Get a few friends and set up a table outside your Post Office after work on April 15, while people are rushing in to file their tax returns.
- UFPJ member groups have created some great educational materials on where our tax money goes - download these flyers and hand them out.
- Another great idea is the "Penny Poll". Use four jars labeled Housing, Education, Health, and Military, to represent a simplified view of the federal budget. Hand passers-by ten pennies and tell them to pretend they are a member of Congress and to vote to allocate their resources. Then show them how our money is really spent.
- If
you can get a wireless connection at your tabling location, bring a
laptop and ask passers by to type their federal tax amount into
National Priorities Project's interactive tax chart. It will instantly show them how the government is going to spend their money. - Hand antiwar passersby a cell phone and ask them to call their Congressperson (202-224-3121) then and there (see below).
Defund the Afghanistan Escalation! National Call-in Days April 13-15
Some
of us call members of Congress more often than we call our closest
friends. And this week, UFPJ, along with other national organizations,
are asking you to call your Representatives and Senators yet again. We cannot be passive as President Obama breaks his promise that he would seek "No More Emergency War Funding."
Message
to Congress: We urge you to vote against the $33 billion Supplementary
spending bill to pay for the escalation of troops in Afghanistan and to
require that the White House present a rapid, real and complete "exit
plan" for ending the war.
Congressional Switchboard: 202-224-3121
5 Reasons why this is worth doing:
1) There are no signs that left to its own devices the Obama Administration is ending the war in Afghanistan any time soon.
2)
The McChrystal counter-insurgency strategy is already not working,
but Afghan civilians and US soldiers are paying the price.
3) As of now, any brake on the war must come from Congress.
4)
Our calls make a difference. Before we did call-ins last month for the
Kucinich resolution, only a handful of Representatives were prepared to
vote in favor. Pressure from the grassroots brought that number to 65.
5)
Even if we lose, a substantial "No" vote on the Supplemental and future
budget requests will serve notice to the White House that they need
to wind down the war, not escalate.
Focus Attention on Congress - Jobs Not War!
On April 21, UFPJ continues our monthly Brown Bag Lunch Vigils
at congressional offices, cosponsored with Progressive Democrats of
America, CODEPINK: Women for Peace, After Downing Street, and others. This month, our focus will be on stopping the Afghanistan supplemental appropriation. We'll point out the Miller jobs bill, HR.4812, as a practical plan to create or save 1 million public sector and nonprofit jobs for $100 billion. Find a vigil near you or organize one.
We need our voices to be louder, not weaker. Please make the call this week, and forward this message to your lists. And take this as an opportunity to contact good friends and urge them to call the Congress as well.
United for Peace and Justice was founded, in 2003, to build a coalition of local and national peace and justice organizations to prevent the War on Iraq. The conflicts raging around the world today make it clear that the need to work for peace remains more important than ever. That is why UFPJ reorganized, in 2008, as a network and now operates with an all-volunteer Coordinating Committee, supported by one part-time staff member who assists with UFPJ action alerts, campaigns, and organizing. They meet weekly to manage the ongoing communication and administrative requirements of the network.
LATEST NEWS
Huge Administrative Waste Makes Clear For-Profit Insurance Is 'Actually Very Bad': Analysis
"It is totally fair for people to identify private insurers as the key bad actor in our current system," writes Matt Bruenig of the People's Policy Project. "The quicker we nationalize health insurance, the better."
Dec 10, 2024
Last week's murder of UnitedHealthcare CEO Brian Thompson brought to the surface a seething hatred of the nation's for-profit insurance system—anger rooted in the industry's profiteering, high costs, and mass care denials.
But that response has led some pundits to defend private insurance companies and claim that, in fact, healthcare providers such as hospitals and doctors are the real drivers of outlandish U.S. healthcare costs.
In an analysis published Tuesday, Matt Bruenig of the People's Policy Project argued that defenders of private insurers are relying on "factual misunderstandings and very questionable analysis" and that it is reasonable to conclude that the for-profit insurance system is "actually very bad."
"From a design perspective, the main problem with our private health insurance system is that it is extremely wasteful," Bruenig wrote, estimating based on existing research that excess administrative expenses amount to $528 billion per year—or 1.8% of U.S. gross domestic product.
"All healthcare systems require administration, which costs money, but a private multi-payer system requires massively more than other approaches, especially the single-payer system favored by the American left," Bruenig observed, emphasizing that excess administrative expenses of both the insurance companies and healthcare providers stem from "the multi-payer private health insurance system that we have."
He continued:
To get your head around why this is, think for a second about what happens to every $100 you give to a private insurance company. According to the most exhaustive study on this question in the U.S.—the CBO single-payer study from 2020—the first thing that happens is that $16 of those dollars are taken by the insurance company. From there, the insurer gives the remaining $84 to a hospital to reimburse them for services. That hospital then takesanother $15.96 (19% of its revenue) for administration, meaning that only $68.04 of the original $100 actually goes to providing care.
In a single-payer system, the path of that $100 looks a lot different. Rather than take $16 for insurance administration, the public insurer would only take $1.60. And rather than take $15.96 of the remaining money for hospital administration, the hospital would only take $11.80 (12% of its revenue), meaning that $86.60 of the original $100 actually goes to providing care.
High provider payments, which some analysts have suggested are the key culprit in exorbitant healthcare costs, are also attributable to the nation's for-profit insurance system, Bruenig argued.
"Medicaid and Medicare are able to negotiate much lower rates than private insurance, just as the public health insurer under a single-payer system would be able to. It is only within the private insurance segment of the system that providers have been able to jack up rates to such an extreme extent," he wrote. "Given all of this, I think it is totally fair for people to identify private insurers as the key bad actor in our current system. They are directly responsible for over half a trillion dollars of administrative waste and (at the very least) indirectly responsible for the provider rents that are bleeding Americans dry."
"The quicker we nationalize health insurance," he concluded, "the better."
Bruenig's analysis comports with research showing that a single-payer system such as the Medicare for All program proposed by Sen. Bernie Sanders (I-Vt.), Rep. Pramila Jayapal (D-Wash.), and other progressives in Congress could produce massive savings by eliminating bureaucratic costs associated with the private insurance system.
One study published in the Annals of Internal Medicine in January 2020 estimated that Medicare for All could save the U.S. more than $600 billion per year in healthcare-related administrative costs.
"The average American is paying more than $2,000 a year for useless bureaucracy," said Dr. David Himmelstein, lead author of the study, said at the time. "That money could be spent for care if we had a Medicare for All program."
Deep-seated anger at the systemic and harmful flaws of the for-profit U.S. insurance system could help explain why the percentage of the public that believes it's the federal government's responsibility to ensure all Americans have healthcare coverage is at its highest level in more than a decade, according to Gallup polling released Monday.
"There's a day of reckoning that is happening right now," former insurance industry executive Wendell Potter, president of the Center for Health and Democracy, said in an MSNBCappearance on Monday. "Whether we're talking about employers, patients, doctors—just about everybody despises health insurance companies in ways that I've never seen before."
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"Unless we cut emissions sharply this decade, climate damages will grow exponentially and could overwhelm both insurers and economies," one expert warned.
Dec 10, 2024
A report out Tuesday shows that the fossil fuel-driven climate emergency accounts for an estimated $600 billion of global insured weather losses over a recent two-decade period, which a campaign targeting the insurance industry called "an immense climate price tag that insurers have long been passing on to policyholders."
Insure Our Future, the international campaign behind the eighth annual scorecard, is supported by advocacy groups including Ekō, Greenpeace, Mazaska Talks, Public Citizen, Rainforest Action Network, Reclaim Finance, the Sunrise Project, and Waterkeeper Alliance.
The report—titled, Within Our Power: Cut Emissions Today To Insure Tomorrow—"examines what 20 years of climate attribution science reveals about today's insurance crisis, explores the status of gross direct premiums from insuring fossil fuels and renewable energy activities, and analyzes the coal, oil, and gas policies of 30 leading primary insurers and reinsurers."
While climate-attributed losses from 2002 to 2022 worked out to around $30 billion annually, the financial burden was not evenly spread out over those 20 years. Instead, the report says, such losses "have recently accounted for a growing share of insured weather losses, showing how decarbonization is crucial to contain soaring insurance costs."
"The climate-attributed share of insured weather losses rose from 31% to 38% over the last decade on average, and their annual growth (6.5%) significantly outpaced thegrowth of the insured losses (4.9%)," the publication explains. "In 2022, $52 billion out of $132 billion was climate-attributed."
The other key findings are:
- Estimated climate-attributed losses for 28 top property and casualty insurers ($10.6 billion) approached the fossil fuel premiums they collected ($11.3 billion) in 2023—and for more than half the companies, they exceeded them;
- The renewable energy insurance market is still under 30% of the size of the fossil fuel insurance market in 2023, threatening to be a bottleneck for investments in the climate transition; and
- At the brink of 1.5°C, insurers are abandoning at-risk communities worldwide while enabling fossil fuel expansion that drives these risks higher—requiring immediate policy and regulatory action.
The report acknowledges that its findings arrive amid scientists' warnings that 2024 is on track to be the first full year to breach 1.5°C—the Paris agreement's target for temperature rise this century. The latest meeting for countries signed on to that treaty, held in Azerbaijan last month, concluded with what critics called a "big F U to climate justice."
Like activists and experts outraged by the conclusion of COP29, Ilan Noy, a professor focused on the economics of disasters and climate change at New Zealand's Victoria University of Wellington, stressed the importance of bolder global action in response to the Insure Our Future report.
"Insurers are fundamentally misunderstanding climate risk by failing to recognize how greenhouse gas emissions have driven up losses throughout this century," Noy said in a statement. "Unless we cut emissions sharply this decade, climate damages will grow exponentially and could overwhelm both insurers and economies."
🔎 The scandal: Fossil fuel underwriting is less than 2% of insurers’ premium income - pocket change. Yet this small slice enables massive fossil fuel expansion, pushing our planet toward irreversible tipping points. [3/8]
— Insure Our Future Global (@insureourfuture.bsky.social) December 10, 2024 at 4:13 AM
Laurie Laybourn, director of the U.K.-based Strategic Climate Risks Initiative, similarly suggested that the climate emergency poses an existential threat to the insurance industry while discussing Insure Our Future's report with Forbes' David Vetter.
"Because insurance impacts are mounting and because we don't have an insurance system built for the way that climate change is evolving, this dynamic is only going to get much worse," Laybourn said. "As we're already seeing, governments are having to step in to effectively ensure that insurance can still exist in certain places."
"In Florida, you have a situation where flood insurance is increasingly receding and the government is having to make decisions about how and what to cover," he noted. "It's the case as well in the U.K., where major flooding events led to the creation of Flood Re, a government-backed reinsurance agency to cover places that are effectively uninsurable through private markets."
Warning of a potential "doom loop" in which climate impacts cause instability that impedes adequately ambitious action, Laybourn added that "we need systems that are more resilient so that we can continue to remain focused on decarbonization, even as things get more unstable."
⏰ Time’s up for ‘voluntary’ action. While Generali overtook Allianz in our #Scorecard with stronger oil & gas restrictions, the industry is stalling on fossil fuels while accelerating its retreat from communities. [7/8]
— Insure Our Future Global (@insureourfuture.bsky.social) December 10, 2024 at 4:13 AM
The new report offers a roadmap to a more resilient insurance system. As the document points out, this is the first time Insure Our Future has included policy recommendations for lawmakers and regulators.
The publication urges insurance firms to immediately stop insuring new fossil fuel projects or any customers from the industry that have not published a transition plan for the 1.5°C goal. It also calls on insurers to set their own binding Paris-aligned targets and to divest from coal, gas, and oil companies.
The report further pushes insurers to align stewardship activities, trade associations membership, and public positions with a credible 1.5°C pathway; establish mechanisms to ensure clients fully respect human rights; and explore bringing fossil fuel companies to court "to make polluters rather than insurance customers pay."
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Congressional Progressive Caucus leaders are pressing the Democratic Party to offer "a clear alternative and inclusive vision for how we will make life better for the 90% who are struggling in this economy."
Dec 10, 2024
In the wake of U.S. federal elections resulting in Republican control of the White House and both chambers of Congress—in no small part due to Democrats' failure to win working-class votes—leading congressional progressives are pushing a plan to rebuild the Democratic Party by rejecting corporate cash and uplifting low- and middle-income Americans.
In a memo first shared with Punchbowl News, outgoing Congressional Progressive Caucus Chair Pramila Jayapal (D-Wash.), incoming Chair Greg Casar (D-Texas), and CPC members Rep. Maxwell Frost (D-Fla.) and Rep. Chris Deluzio (D-Pa.) urge the Democratic National Committee (DNC) to "rebuild our party from the ground up."
The lawmakers call on DNC leadership to "create an authentic Democratic brand that offers a clear alternative and inclusive vision for how we will make life better for the 90% who are struggling in this economy, take on the biggest corporations and wealthiest individuals who have rigged the system," and expose GOP President-elect Donald Trump's "corporate favoritism" to "create a clear contrast with Republicans."
Jayapal outlined what she called "four core principles" for the next DNC chair, who hasn't yet been elected:
- Reform, restructure, and rebrand the Democratic Party from the ground up and commit to a 50-state strategy that builds power through state parties;
- Embrace grassroots donors and reject special interest and dark money, including by reinstating the DNC's 2008 ban on corporate political action committee donations, and pushing to prohibit super PAC spending in state primaries;
- Rebuild Democrats' multiracial, working-class base by uplifting poor, low-, and middle-income voices and concerns; and
- Highlight recent electoral successes while working to build broad coalitions to win elections.
The progressives' memo urges the DNC to "invest in showing our commitment to real populism versus Trump's faux populism
through lifting up working-class voices and issue-based campaigns that take on corporate concentration and monopoly power at the expense of working people."
The principles enumerated in the memo resonated beyond the CPC. Responding to the proposed agenda in a social media post, U.S. Sen. Chris Murphy (D-Conn.) concurred: "The next DNC chair should absolutely refuse to take corporate PAC money. If we are the party of the working class—and we are—then let's raise $ like we mean it."
Casar, who before running for elected office worked as policy director for the Workers Defense Project—whose victories included rest and water breaks for outdoor laborers, anti-wage theft legislation, and living wage requirements—has repeatedly stressed the imperative "to re-emphasize core economic issues" that matter most to American workers.
"The core of the Republican Party is about helping Wall Street and billionaires. And I think we have to call out the game," Casar said last week during an interview with NBC News.
"The Democratic Party, at its best, can hold people or can have inside of its tent people across geography, across race, and across ideology," he added. "Because we're all in the same boat when it comes to making sure that you can retire with dignity, that your kids can go to school, that you can buy a house."
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