1881, Bismarck had also referred to this program as Staatssozialismus ("State Socialism") when he made the following accurate prediction to a colleague: It is possible that all our politics will come to nothing when I am dead but state socialism will drub itself in (Der Staatssozialismus paukt sich durch). Bismarck's program centered squarely on insurance programs designed to increase productivity and focus the political attentions of German workers on supporting the Junker's government. The program included health insurance, accident insurance (workman's compensation), disability insurance and an old-age retirement pension, none of which then in existence to any great degree. After Bismarck left office in 1890, further social legislation regulated working time and conditions and sought to protect more vulnerable workers (women and children) and establish a system to allow redress for employer abuse. Based on Bismarck's message, the Reichstag filed three bills designed to deal with the concept of accident insurance and one for health insurance, although other bills were passed after Bismarck left office. Retirement pensions and disability insurance were placed on the back burner for the time being. In a speech on 20 March 1884, Otto von Bismarck stated: The real grievance of the worker is the insecurity of his existence; he is not sure that he will always have work, he is not sure that if he will always be healthy, and he foresees that he will one day be old and unfit to work. If he falls into poverty, even if only through a prolonged illness, he is then completely helpless, left to his own devices, and society does not currently recognize any real obligation toward him beyond the usual help for the poor, even if he has been working all the time ever so faithfully and diligently. The usual help for the poor, however, leaves a lot to be desired, especially in large cities, where it is very much worse than in the country. Health Insurance Bill of 1883 The first bill that had success was the Health Insurance bill which was passed in 1883. The program was considered the least important from Bismarck's point of view and the least politically troublesome. The program was established to provide health insurance for the largest segment of the German workers. The health service was established on a local basis, with the cost divided between employers and the employed. The employers contributed one-third, the workers the rest. The