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It is not the case that Contractarianism can provide dignified care for disabled persons who cannot be rehabilitated through a mutually advantageous social insurance scheme.
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Reasons For
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Reason for 1 of 2
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1.
Rational contractors choose insurance terms based on expected utility, systematically undervaluing low-probability, high-cost disabilities.
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2.
Severely disabled persons requiring lifelong intensive care represent costs that exceed what self-interested contractors would rationally insure against.
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3.
A scheme grounded in mutual advantage therefore structurally excludes those whose care needs are most profound, not least.
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Reason for 2 of 2
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1.
Nussbaum argues that contractarianism's mutual advantage premise presupposes rough equality of capacity among contractors, excluding those with severe cognitive disabilities from the original agreement.
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2.
Care for persons who cannot participate as rational contractors requires duties of justice grounded in dignity, not reciprocity—a foundation contractarianism cannot supply.
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Reasons Against
1 perspective
Reason against
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1.
A social insurance scheme offering dignified care is mutually advantageous if all participants face risk of needing such care.
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2.
Even currently healthy contractors face some probability of disability and thus benefit from insurance coverage.
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