The work of Charles Booth and Rowntree (see Chapter 2: Victorian Philanthropy) influenced a new current within the Liberal Party: new Liberalism.
When the Liberal Party was returned to office in 1906, supported by the nascent Labour Party, it introduced several important pieces of legislation: Education (Provisions of Meals) Act (1906), Education (Administrative Provisions) Act (1907), Children Act (1908), Old Age Pensions Act (1908), Trade Boards Act (1909), Labour Exchanges Act (1909) and Health and Unemployment Act (1911).
Even if we take all these laws together, we only have a piecemeal attempt to deal with social protection. Lloyd George and Churchill (at the time a Liberal) were responsible for the 1911 legislation on unemployment insurance and believed that something should be done to improve a situation that had scarcely evolved since 1834.
The liberals were not overtly committed to social reform during the 1906 election campaign but espousing such a cause was a way of possibly stymying the nascent Labour Party and also preventing any more revolutionary attempts at changing the social system.
Not all workers were covered by this legislation. Only wage-earners were eligible and sexually transmitted and alcohol-related diseases were excluded.
Of course, the wives and children of the poor and the unemployed were also excluded. The Act was administered essentially by the former (private) insurance companies, which became richer, as did the “panel doctors”, guaranteed a per capita sum per “panel patient”.