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Russell Pekala Aug 2, 2023

Learnings

Franz Kafka's Insurance Career

Philosophy was a side hustle

Franz Kafka was an esteemed healthcare claims administrator and insurance underwriter in Prague. He wrote stories on the side, at night, when he was tired. I am more interested in his insurance affairs.

His second job out of college was working for Vienna. Specifically, Kafka worked for the Workmen's Accident Insurance Institute, which administered workers compensation claims in the Austro-Hungarian province of Bohemia.

Workers compensation was a new social innovation in Kafka's time. It was invented to essentially mitigate strife when people got injured doing dangerous industrial jobs.

Throughout his career, his role at the Institute included designing insurance programs, instituting safety regulations, and replying to appeals (including handwriting to the left).

He told his friends he hated his job. But he worked very hard at it and did very well at it. It certainly influenced his writing. In fact, he helped construct the equivalent of the Affordable Care Act's Small Group Market for industrial accident insurance.

This policy not only required fixed rates for small farms, but also required that they all participate in the market. "Small farms using machinery" is probably the closest to "startups" that existed back in his day. A more complete summary of Kafka's professional life can be found here: https://www.tabletmag.com/sections/arts-letters/articles/the-office-series-day-three-kafka

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