government. Instead, he formed a "centrist" coalition with the Liberals, Republicans and Social Democrats. De Gasperi formed three ministries, the second in 1950 after the defection of the Liberals, who hoped for more rightist policies, and the third in 1951 after the defection of the Social Democrats, who hoped for more left-wing policies. He ruled for five more years, helming four additional coalitions. "De Gasperi's policy is patience", according to the foreign news correspondent for The New York Times, Anne O'Hare McCormick. "He seems to be feeling his way among the explosive problems he has to deal with, but perhaps this wary mine-detecting method is the stabilising force that holds the country in balance." Social security reforms In domestic policy, a number of social security reforms were carried out by various ministers of De Gasperi's cabinets in the areas of rents and social housing, unemployment insurance and pensions. On 9 January 1946, the government reorganised the health insurance system for sharecroppers, tenant farmers and agricultural workers, with a flat-rate daily indemnity of Lit.28 for women and Lit.60 for men (i.e. 3% and 7% of the average gross industrial wage for 1947) for a maximum of 180 days a year and free medical and hospital assistance provided through INAM. On 19 April 1946 the government reorganised the health insurance system for industrial employees, with a daily sickness indemnity equal to 50% of earnings, for a maximum of 180 days a year, a flat-rate maternity indemnity equal to a lump sum of Lit.1000 for 120 days (1% of average gross for industrial wage in 1947), a funeral allowance and free medical, hospital, and pharmaceutical assistance through INAM. On 31 October 1947 the Italian Parliament approved a bill that reorganised the health insurance system for service employees (e.g. banking and commerce), with a daily sickness indemnity equal to 50% of earnings for a maximum of 180 days a year, a flat-rate maternity payment, funeral allowance, and free hospital, medical, and pharmaceutical assistance through INAM. On 28 February 1949, De Gasperi launched a seven-year plan for social housing to increase the stock of economic housing by means of construction or purchase of economic accommodation. The law also established a special housing fund (INA-Casa) within the National Institute for Insurance (Istituto Nazionale delle Assicurazioni, or INA). Moreover, on 29 July 1947 the government established a Fund For Social Solidarity within INPS in order to pay