Cornell University Library HD7102.G7A5 1915d National insurance acts HandbooK for the THE LIBRARY OF THE NEW YORK STATE SCHOOL OF INDUSTRIAL AND LABOR RELATIONS AT CORNELL UNIVERSITY Cornell University Library The original of tiiis bool< is in tine Cornell University Library. There are no known copyright restrictions in the United States on the use of the text. http://www.archive.org/details/cu31924002405847 NATIONAL INSURANCE ACTS. ■i ' 1.. f HANDBOOK FOE THE USE OF APPROVED SOCIETIES (ENGLISH EDITION). (Provisional Issue revised to August 1915.) HANDBOOK FOR THE USE OF APPROVED SOCIETIES. (English Edition.) Page 39-para. 123. For " 631c " read " 631b." Page 51-para.l79. ^or " Form 68/A.G.D.'; jad^ ^^^^_^_^_,. ':; v.cr. I4.'^_siibheadinlM' NATIONAL INSURANCE ACTS. " HANDBOOK FOR THE USE OF APPROVED SOCIETIES (ENGLISH EDITION). (Provisional Issue revised to August 1915.) PEIA^TED UNDER THE AUTHORITY OF HIS MAJESTY'S STATIONERY OFFICE By NEILL & CO., -Limited, Bbllbvub, Edinburgh. To be purchased, either directly or through any Bookseller, from WYMAN AND SONS, Limited, 29 Breams Buildings, Fetter Lane, London, E.C., and 54 St Mary Street, Cardiff ; or H.M. STATIONEEY OFFICE (Scottish Branch), 23 Forth Street, Edinbursh ; or E. PONSONBY, Limited, 116 Grafton Street, Dublin ; or from the Agencies in the British Colonies and Dependencies, the United States of America and other Foreign Countries of T. FISHER UNWIN, Limited, London, W.C. 1915. :^ Price One Shilling. CONTENTS. PREFACE PAGE 8 INTRODUCTION. The Position of Approved Societies under the Scheme of National Health Insurance . . . . . . . . . . . . . , . . . . CHAPTER I.— CONSTITUTION AND GOVERNIUENT. Approval, Rules, etc. (i) Approval (ii) Rules . . (iii) Amendment of Rules (iv) Transfer of Engagements, Amalgamations, and Dissolutions (v) Reduction of Number of Branches by Amendment of Constitu tion U. Officers (i) The Chief Officers and their Duties (ii) Remuneration of Officers . . (ni) Officers for State and non-State Business III. Honorary Members IV. Meetings V. Disputes . . 13 13 14 16 17 17 18 18 20 21 21 21 23 CHAPTER II— MEMBERSHIP. I. Gteneral Conditions of Membership (i) Contract of Membership . . (ii) Eligibility for Membership (iii) Going out of Insurance (iv) Normal Occupation (v) Termination of Membership (vi) Classes of Members II. Transfers (i) Transfers between Societies (ii) Transfers from the Deposit Contributors Fund fiii) Transfers to the Deposit Contributors Fund (iv) Transfers from the Navy and Army Insurance (a) Before Discharge . . (6) After Discharge III. Membership Register (i) Purpose of Register (ii) How to Enter up the Membership Register Wt. 39674/«l— 24,600— 12/16— N. & Co., Ltd. Gp, II, Fund 25 25 26 27 28 30 31 33 33 37 39 40 40 40 41 41 42 CHAPTER m.— CONTRIBUTIONS 1. Cards and Books (i) Issue of Cards (ii) Kinds of Cards (iii) Insurance Books (iv) Surrender of Cards and Books II. Bates of Contribution (i) How to Verify Cards and Stamps (ii) High- Value Stamps (iii) Changes from Voluntary to Employed Rate, and III. Refund of Contributions, etc (i) Refund of Contributions Paid in Error . . (ii) Allowances in respect of Lost Cards (iii) Allowances in respect of Destroyed Cards IV. Contribution Register (Employed Contributors) V. Contribution Register (Voluntary Contributors) 47 47 4S 50 60 51 55 56 56 58 58 58 62 CHAPTER IV.— BENEFITS. I. Sickness Benefit (i) Eligibility for Benefit Waiting Period . . Qualifying Contributions Residence Arrears . . Persons receiving Compensation Total Disablement Pensions . . Persons in Hospitals, etc. Confinement Late Entrants . . Out of Insurance Suspension for Offences (ii) Rate and Commencement (iii) linked-up Sickness (iv) Certification . . Main Features of the Scheme. Forms of Certificates . . Dating of Certificates . . Description of Cause of Incapacity . , . Uniformity Procedure under the Scheme. First Certificate and Notice of Sickness Second Certificate (Intermediate or Final) Further Intermediate Certificates Declaration by Insured Person Final Certificate and Declaration-ofE . . Necessity of Care as to Final Certificates Remarks by Doctor Procedure in Exceptional Cases. Patients seen after the Commencement of Incapacity Certificates in Cases of Prolonged Incapacity Certificates in respect of Patients away from Home . . Certifloalfes in respiedt of In-PatientK of Institfttions Certificate? in respect of Out-Patients o^ Institutions Certificate's^ in Cases where Behefit is n6t Clktoed . . 66 66 67 67 68 68 69 72 75 77 78 81 81 81 83 87 87 88 88 89 89 89 90 90 90 90 91 91 91 92 93 93 93 Description of Cause of Incapacity. Ordinary Cases . . Exceptional Cases Special Procedure for Exceptional Cases Difficulties of Early Diagnosis Precision in Naming Cause of Incapacity Complaints regarding Certification . . ~..- Certificates from Doctors attending Members in a Private _,' .. ,".,%,,;;;• j»> Capacity '(v) Treatment of Claims General . . Sick Visitors Medical Referees (vi) Payment of Benefit II. Disablement Benefit (i) Eligibility for Benefit (ii) Bate, Commencement, and Duration (iii) Receipt of Claim (iv) Payment of Benefit. . III. Maternity Benefit . . (i) Eligibility for Benefit Waiting Period . . Qualifying Contributions Residence Arrears . . Persons in Hospital Provision of Midwife or Doctor (ii) Hfisband's and Wife's Benefits, etc. Proof of Marriage (iii) Payment of Benefit IV. Benefits Register, Benefit Docket, and Sickness and Disablement Record Card . . (i) Benefits Register (ii) Benefit Docket (iii) Sickness and Disablement Record Card (iv) General V. Medical and Sanatorium Benefit . . (i) Gteneral (ii) Steps to be taken by the Society . . (ui) Steps to be taken by the Member VT. Medical Treatment of Uninsured Members CHAPTER v.— SPECIAL CLASSES OP MEMBERS. I. Ahens (i) General (ii) Contributions (iii) Benefits II. Married Women (i) General (ii) Women r^o^ jli;^ra;j:ejd fief orej l^arrjta^e ,. .^ , , (a) Women M.amed before 15th July 1912 (6) WoWiieii' iiho Marriid'oii or after' l£»th^A{ilyll912 ; I', n I ' I . I, M. I / I ■■ I ■ ; ! \ 1 ; |i II I, I (iii) Women Insured before Marriage . . When to Suspend How to Suspend : Exercise of Options Late Suspensions : Special Action as to Class H Contributors Position on Death of Husband 1. Women Suspended during Marriage 2. Other Married Women (iv) Suspended Married Women's Register . . III. Mercantile Marine . . (i) General (ii) Contributions (iii) Benefits IV. Navy and Army Members V. Members under Section 47 . (i) General (ii) Contributions (iii) Benefits VI. Voluntary Contributors (i) Eligibihty . . (ii) Contributions (iii) Benefits (iv) Apphcation of Section 47 CHAPTER VI.— ARREARS. I. Employed Contributors (i) tjj'lculation' of Arrears (ii) Paying off Arrears . . (ni) Reduction of Benefits owing to Arrears II. Voluntary Contributors . . (i) Calculation of Arrears (n) Paying off Arrears . . (iii) Reduction of Benefits owing to Arrears III. Grpneral (i) Calculation of Net Debit and Credit -(ii) Transfer from Employed to Voluntary Insurance (iii) Transfer from Volmitary to Employed Insurance (iv) Employed Contributors paying at the Voluntary Rate (v) Members under Section 47 (vi) Mercantile Marine Members (vii) Navy and Army Members (viii) Inmates of Institutions . . (ix) Married Women . . IV. Arrears Benevolent Fund . . CHAPTER Vn.— FraANCE. I. Gieneral (i) How Money for Pajring Benefits, etc., is obtained (ii) Investments (iii) Security Misappropriation (iv) Accounting . . and Malversation of Funds II. Cash Book III. Ledger 6 IV. Advices from CJommissioners (i) Advice of Contributions Credited (ii) Advice of Approved Societies' (Officers) Guarantee Fund Contribution . . . . " • (iii) Advice of State Grant towards Administration Expenses (iv) Advice of Sums transferred to Investment Account . . V. Administration Account . . (i) General (ii) Deficiency for year ended 11th January 1914 (iii) Deficiency as at 12th January 1913 (iv) Deficiency for year ended 31st December 1914, or any subse- quent year « (v) Societies with Branches . . (vi) Admissibility of Expenditure VI. Valuations . . (i) General (ii) SmaU Societies and Associations CHAPTER Vin— MISCELLANEOUS. I. Emigrants joining Branches of Approved Societies Abroad . . II. Inmates of Charitable Institutions exempted under Section 51 III. Certificated Teachers in Public Elementary Schools IV. Outworkers V. Subscriptions to Hospitals, Nursing Associations, etc. VI. Correspondence of International Societies VII. Postage VIII. Exemption from Stamp Duty . . IX. Distribution of Circulars, etc. . . APPENDICES. A. List of Addresses of Insurance Committees Reference Ciphers of Insurance Committees Offices of the Outdoor Staff of the Commission B. Summary Tables for Classes of Contributors Class Al . . Class A2 . . Class A4 . . Class A5 . . Class B . . Class CCl . . Class CC2 . . Classes CI and Dl Classes C2 and D2 Class El . . Class E2 .. Class B4 . . Class E5 . . Class FEl Class EE2 Classes PI and Gl Classes P2 and G2 Class HI .. Class H2 .. Tables of Contributions, Benefits, etc., mentioned Table A Table B in Model Rules Table C Table D Table E Table ¥ Table G Table H D. Model Letters, Notices, and Agreements Letters relating to Married Women (Forms 48 (1) to 48 (5)) Notice of Provisional Acceptance of Transferring Member . Form of AppUcatiou for Consent to Transfer Form of CJonsent to Transfer . . . . . . .'. Form of Refusal of Consent to Transfer Form of Agreement between an Approved Society and Hospital or other Institution for Individual Case's Form of General Agreement between an Approved Society and Hospital or other Institution E. List of Sanatoria F. Certification Rules . . G. Tables showing the effect of Penalty Arrears on Sickness Benefit Men (Form 424a/A.G.D.) Women (Form 424B/A.G.D.) PAQE 236 237 238 239 239 241 242 242 245 246 246 246 2m 247 249 257 264 264 266 SUPPLEMENT. Circulars A.S. 151 and 151a (Alterations in Registers consequent upon changes in Membership) . . . . . . . . . . . . . . 267 Circular A.S. 172 (Persons engaged in temporary non-insurable employ- ment connected with the War) . . . . . . . . . . . . 281 Circular 257a/A.G.D. (New system of collecting contributions of Army Members) 284 INDEX 287 NATIONAL HEALTH INSURANCE COMMISSION (ENGLAND). PREFACE. The present is the second issue of the Handbook for Approved Societies. It is a provisional issue only, and will be replaced as soon as possible after the end of the war by a more complete Handbook. The main object kept in view has been that of providing the officers of Approved Societies with a book of reference to which they can turn for information on procedure, and for assistance in the application of the provisions of the Acts and the Regu- lations. Suggestions are made throughout the Handbook which, if followed, will conduce to the efficient and expeditious administration of a Society's affairs. In this connection experi- ence has shown that complaints will be avoided and, in the long run, the work falling upon the local officers or representatives of Societies will be considerably reduced if, in any difficulty which may arise, a member's rights and duties are explained to him. Several circulars were issued while the book was in an advanced state of preparation. Such of these as could not be incorporated in the text without involving alterations which would have unduly delayed publication are printed in a Supplement for the convenience of Societies. September, 1915. INTRODUCTION. THE POSITION OF APPROVED SOCIETIES UNDER THE SCHEME OP NATIONAL HEALTH INSURANCE. # (1) The general direction and supervision of the scheme of National Health Insurance is, under the National Insurance Acts, vested in the Commissioners. (2) The National Insurance Acts do not, however, con- template that benefits shall ordinarily be administered to insured persons by the Commissioners. They provide for insured persons grouping themselves into self-governing Societies responsible for the administration to the members of the benefits provided by the Acts and thus acting as the channel through which the members' benefits will be received. (3) A Society desiring to take part in the administration of the Acts, therefore, draws up a code of rules showing the con- ditions on which it will admit insured persons as members and the manner in which the Society will be governed, and setting out the position of the members under the National Insurance Acts. (4) These rules are submitted by a Society to the Commis- sioners who, after such inquiries as they may think necessary ■ as to the competence of the Society to undertake the adminis- tration of the Acts, and if they are satisfied that the rules make proper provision for such administration, grant approval to the Society. Insured persons have free choice as to the Society which they shall join, and by applying for admis- sion to the Approved Society of their choice they undertake to be bound by its rules. The Society by admitting them' to membership makes itself responsible for looking after their interests and for seeing that they receive the benefits to which they are entitled under the Acts. (5) The primary purpose of an Approved Society is, therefore, to see that its members obtain the benefits to which they are entitled, and all the administrative machinery described at length in this Handbook is designed to help Societies to achieve this purpose in a prompt and efficient manner. (6) Insured persons under the National Insurance Acts fall into a number of different classes, and the rate of contribution payable and the benefits receivable^ and the conditions attached to the receipt of benefits, differ for these different classes (see paragraphs (91) to (93)). 10 (7) It is therefore necessary that a Society should have all its members properly entered up in a register showing the class into which each member falls. This register is the Member- ship Register, which contains a list of the members with their numbers in the Society, their addresses and ages, the dates on which they entered into insurance, the classes into which they fall, and the normal rates of sickness benefit to which they are entitled. (8) Every member must be entered into this Register as soon as he is admitted to the Society, and the necessary partic- ulars as to his position under the Acts must be entered up and ♦ kept up to date by alteration if the position of the member changes at any time. The purpose of the Membership Register and the manner in which it is to be completed are fully dealt with in paragraphs (136) to (161). (9) The next duty of a Society is to issue to each member the correct contribution card in accordance with the class to which the member belongs, to collect the cards at the expiration of their period of currency, and to enter up the member's insurance book showing the number of contributions which have been paid in respect of him (see paragraphs (162) to (182)). (10) The contributions represented by the stamps on the cards surrendered to the Society have then to be entered in the Contribution Register {see paragraphs (208) to (212)). (11) The Contribution Register shows how each member of the Society stands as regards payment of contributions and arrears, and thus supplies data which are essential for determining whether benefits are payable, and at what rate. (12) The money which is paid for the stamps on the cards surrendered by members to their Societies is paid into the National Health Insurance Fund under the control of the Commissioners, and in order that Societies may be supplied with funds out of which to pay benefits to their members and meet expenses of administration, it is necessary that they should establish their credit in that Fund. This is done by means of a periodical return furnished by Societies to the Commission showing the amount of the contributions that have been paid in respect of the members of the Society for the period to which the return relates, and supported by the stamped cards as evidence of such payments. This return is made at half- yearly intervals, and is known as the Half-yearly Return {see paragraphs (182), (209), and (212)). (13) When Societies have established their credit in the National Health Insurance Fund, they are in a position to draw money out of that Fund up to the limit of such credit, as required by them for the payment of benefits or for expenses of adminis- tration. The manner in which this is done is explained in Section I. of Chapter VII. (14) As money issued to a Society out of the National Health Insurance Fund can only be used by the Society in 11 accordance with the provisions of the National Insurance Acts and the Society's Rules, it is necessary for Societies to keep accounts showing how the money has been spent, and these accounts have to be submitted from time to time to audit by the Auditors appointed by the Treasury. These accounts are kept chiefly in the Cash Book, Ledger, Benefits Register, and Suspended Married Women's Register. Instructions as to the form and manner of keeping the accounts of expenditure under the Acts are given in paragraphs (406) to (422), (513) to (533), and (661) to (725). (15) The National Insurance Acts provide that when a Society^ admits an insured person to membership it shall be credited with* any sums which may be necessary to put it into a financial position to meet the estimated liability thrown upon it by the admission of a member of his age. This is done by crediting it with a reserve value, and it is the duty of a Society to make claims in the proper form for the credit of any reserve value to which it may be entitled in respect of each insured person admitted to membership of the Society. (16) The next duty of a Society is to inform its members as to the manner in which they should claim any sickness, dis- ablement, or maternity benefit to which they may be entitled, to supply them with any necessary forms to enable them to submit such claims, to deal with the claims when submitted, and to pay to the members the amounts to which they are entitled under the Act. It is, of course, of supreme importance that a Society should take adequate steps to supervise aU claims for benefits, and to see that the rules as to behaviour during sickness are properly observed by members in receipt of benefit. (17) It is important that a Society should be in a position at any time to ascertain with the minimum of trouble the total amount which it has expended in sickness and disablement benefits for any particular period. For this purpose a Benefits Register has been designed. This Register contains a record in order of date of all payments of sickness or disablement benefit made by a Society to its members. The manner in which the Register is used is explained in detail in paragraphs (406) to (422). (18) The National Insurance Acts lay down conditions as to the period for which any insured person can draw sickness benefit, and it is the duty of a Society to see that each member receives benefit for the full period for which he is qualified under the Acts, and for no more than that period. The Index to the Benefits Register should be used for this purpose (see paragraphs (421) and (422)). (19) Of the five ordinary benefits provided by the National Insurance Acts, three — ^namely, sickness, disablement, and maternity benefits— are directly administered by Approved Societies to their members. In the case of the other two benefits — namely, medical and sanatorium benefits — ^itis the duty 12 of a Society to supply the necessary information as to each of its members in order that the members may be in a position to obtain these benefits from the Insurance Committees by which they are administered. This information is furnished by means of Index Slips and Orange Slips {see paragraphs (433) to (454)). (20) The Acts provide that any sums standing to the credit of a Society in the National Health Insurance Fund which are not required for current expenditure on benefits or administration shall be available for investment by or on behalf of the Society, and Societies have to take the necessary steps to see that such sums as are available are invested in accordance with the pro- ' visions of the Acts and the wishes of the Society (see paragraphs (669) to (671)). CHAPTER I.— CONSTITUTION AND GOVERNMENT. I. APPROVAL, RULES, AMENDMENT OF RULES, Etc. (i) Approval. (21) Any Society which desires to carry on State Insurance business must, in the first place, be approved for the purpose. Section 23 of the National Insurance Act, 1911, provides that the Commissioners may approve any Society which conforms to the requirements of the Act, the most important of which are that the Society must not exist for purposes of profit, and must be under the absolute control of its members. The same Section authorises the approval of separate sections of bodies which do not themselves seek to obtain approval. For all practical purposes these separate sections are in much the same posi- tion as new Societies. It should be noted that a Branch of a Society cannot as such become an Approved Society. (22) Further, Section 25 empowers the Commissioners to approve Employers' Provident Funds — that is to say. Societies consisting of persons entitled to rights under Superannuation or other Provident Funds established for the benefit of persons employed by one or more employers. The fact that the em- ployers are entitled tb representation on the Committee of Management is not a bar to approval, but certain obligations must in such a case be undertaken by the employers. (23) Societies which admit members resident in more than one part of the United Kingdom require to be approved by the National Health Insurance Joint Committee. It is not necessary for a Society to be approved in respect of any part of the United Kingdom other than that in which its registered office is situated, by reason of the fact that among its members are persons for the time being resident in that other part of the United Kingdom. Thus a Society approved by a National Commission is not required to seek approval from the Joint Committee merely because some of its members have left the country for which it is approved and have gone to another part of the United Kingdom. Such a Society must not, how- ever, admit as a member any person resident at the time of admission in any part of the United Kingdom in respect of which the Society is not an Approved Society. The members of the Society who are resident in a country for which it is not 13 14 approved will be treated as if they were resident in the country for which it is an Approved Society. (24) A Society which has received approval for more than one part of the United Kingdom may relinquish approval for any part or parts other than that in which its registered office is situated. Before this can be done, however, it must satisfy the Joint Committee that it fulfils one or other of the following conditions : — (1) That none of its members are resident in parts of the^ United Kingdom in respect of which approval is proposed to be relinquished ; or (..- (2) That any members who are so resident were at the time when they were admitted to membership of the Society (either to the private or to the State side) resident in a part of the United Kingdom in respect of which the Society will remain an Approved Society. (25) The Commissioners are empowered to withdraw their approval from any Society, in the following circumstances : — (a) Where an Approved Society or Branch of any Approved Society fails to comply with any of the provisions or requirements of the National Insurance Acts relating to Approved Societies. (6) Where such a Society or Branch, or the body of which the Society forms a separate section, is convicted of any offence under any Act regulating its constitution, or under any other Act. (c) Subject to Regulations of the Commissioners — where, on account of maladministration of the Society's affairs, it appears expedient to the Commissioners in the interests of the members of^^the Society to do so. (26) It is important that Societies should carefuUy preserve the certificate of approval issued by the Commissioners, and also all certificates of approval of Rules and Amendments of Rules. They should be associated with the copies of Rules and Amend- ments of Rules authenticated by the Commissioners when the Society was approved, and aU these documents should be easily obtainable if and when the occasion should arise. If any Secretary is unable to trace the authenticated copy of the Rules of his Society and the relative certificates he should com- municate with the Commission. (ii) Bules (27) Before approval can be given to a Society, the Com- missioners have to be satisfied that its Rules make proper provision in accordance with Sections 14, 23, and 27 of the National Insurance Act, 1911, for the constitution and govern- ment of the Society, for the administration of benefits, and, if it has Branches, for the government of such Branches. (28) For the guidance of Societies the Commissioners have 15 prepared sets of Model Rules, which have been adopted with necessary adjustments by all Approved Societies. Some of these Rules express, or are consequential upon, the requirements of the Acts ; others are declaratory, and designed to inform members of their rights to benefits and the conditions imposed by the Acts : others, again, are provisions which were found necessary in some form for the transaction of business under the Acts ; whilst a great many Rules were left to the discretion of Societies to adapt as they thought fit, although the Commis- sioners in issuing the Model Rules deemed it advisable to make suggestions in regard to such provisions. (29) The Certificate- of Approval of the Society by the Cqfn.- missioners should in every case be reprinted at the end of the copies of Rules issued to the members. An indication should also be given on the outside cover and first pages of the Rules that the Society is approved under the National Insurance Acts. (30) Arrangements should be made by the Society to ensure that every member may obtain a copy of the Rules. (31) The Rules adopted for the purpose of business under the National Insurance Acts specifically incorporate the provisions of those Acts and the Orders and Regulations issued thereunder, and contain a reservation that anything in the Rules inconsistent with any provision of the Acts, Orders, and Regulations shall be void and of no effect. It is important to remember this fact when any question in regard to the interpretation of a Rule is under consideration. If it is found that the Rule requires or provides something at variance with any provision of the Acts, Orders, or Regulations, effect must be given to the statutory provision, and for this purpose the Rule must be disregarded. (32) Many Societies which have become approved had Rules of their own for the conduct of their voluntary business, and the Rules for the conduct of State Insurance business were added as " Part II." Societies which are in this position will find that it is provided at the beginning of Part II. that, if the Rules in that part and the Rules regulating the voluntary side are at variance :.Jti any point. Part II. is to prevail. Moreover, nothing in Part I. or Part II. can have effect if it is inconsistent with any provision of the National Insurance Acts or Regulations. It will be noticed that where the Rules in regard to State Insurance were thus added to existing Rules as a second part, they do not contain the general provisions relating to meetings, government, etc., and accordingly the provisions in regard to these matters which appear in Part I. of the Rules apply in regard to the State Insurance business of the Society. The reason for the difference in this case is that no new organisation has been formed by the process of approval, but the existing organisation of the Society is maintained . The Society has merely added a new Department to its business. (33) It should be noted also that the Rules approved by the 16 Commissioners — that is to say, the whole Rules, Parts I. and I- — govern, so far as they are applicable, the work of the Branchf of Societies, and must be enforced notwithstanding anythin in the Branch Rules to the contrary. The Commissione] have not thought it necessary to examine Branch or Distric 'Rules in any case, but all Branch and District Rules must h in accordance with the provisions of the principal Rules of th Societj'^ as approved by the Commissioners. There are certain other questions arising in connection wit this matter which are discussed in Section IV. of the preser chapter under the heading of Meetings. (iii) Amendment of Rules. (34) Amendment of Rules must be carried out in the manne provided by the Rules of the Society. It is of great importanc in this connection that the procedure laid down in the Rule should be carefully followed. There is always the possibilit; that the validity of any Rule may be challenged, and if it i found that a Rule or an amendment has not been made in th manner prescribed, it is liable to be set aside. The consent o the Commissioners is necessary to any amendments, and befor giving their approval the Commissioners will require evidenc that the amendments have been duly passed by the Society i: the manner provided by its Rules. The onus still rests upo] the Society, however, to see that the proper procedure i carried out. (35) The Commissioners in the past, as a matter of urgency adopted the practice of considering amendments of Rules befori they had been made by or on behalf of the Society. It wa found that the practice was open to various objections, the chie of which were perhaps (a) that any opinion given by the Com missioners in connection with a proposed amendment migh be used at the meeting which considered the amendment eithe against or in favour of the amendment being made, and (6) tha the Commissioners were called upon to consider in some cases i very large number of amendments proposed in various quarter of the Society, the majority of which might not be authorise( by the rule-making authority of the Society. Except in specia cases, therefore. Rules will not be considered until they hav( been passed by the Society. Societies should, however, whei passing amendments, confer on the Executive Committee b] resolution power to accept such modifications as the Com missioners (and, in the case of a Society registered under th( Friendly Societies Acts, the Registrar) may require. (36) In the case of Societies which are registered, it ii necessary for them to comply with the requirements of th< Registrar. Arrangements have been made between the Chief Registrai of Friendly Societies and the Commissioners whereby amend ments to the Rules of registered Societies will not be registered 17 or approved until adjusted to the satisfaction of both depart- ments. In the case of registered Societies' amendments should in all cases be first submitted to the Commissioners before being forwarded to the Chief Registrar for registration. (37) In the case of international Societies, amendments of Rules should be addressed to the Clerk to the National Health Insurance Joint Committee, c/o the Commission for the country in which the Society's head office is situated. (38) The Commissioners have in the past issued Certificates of Approval of Amendments of Rules, and these Certificates should be reprinted and inserted at the end of the rule books. In future, approval of amendments wiU be indicated by a printed slip attached to the amendments, initialled by an officer of the Commission. In printing the amendments this slip should also be reproduced. If the amendment is only partial, slips containing particulars of the amendment and its approval should be issued to every member for insertion at the end of the rule book. A Society must make such arrangements in regard to copies of Rules that a member wiU know exactly what all the Rules of the Society are at any time ; and will also have before him, in the Rules, reprints of the Certificate of Approval of the Society and of aU Certificates of Approval of Rules or Amendments of Rules. By this means complaints by members arising from ignorance of the Society's Rules will be avoided. (iv) Transfer of Engagements, Amalgamations, and Dissolutions. (39) The Act of 1913 required the Commissioners to make regulations governing the conditions under which the State Insurance engagements of a Society can be transferred from one Society to another, or from a branch of a Society to another branch of the Society, and the conditions under which Approved Societies can amalgamate or dissolve. Any Society which con- templates action of this kind should apply to the Commission for information as to the requirements of the regulations and the necessary procedure. (v) Reduction of Number of Branches by Amendment of Constitution. (40) It is important that the Commissioners should be in- formed at an early stage of any proposed amendment of the constitution of the Society which would result in a reduction of the number of branches administering the Acts ias separate units. If this is not done great inconvenience may be caused to the Society, as the Commissioners may be unable to consent to the desired amendment of the constitution, and the matter may consequently have to be reconsidered at a further general 18 • meeting of the Society. Any such proposals would probably also involve a transfer of engagements which would make it necessary for the Commissioners to consider whether the re- quirements of the regulations referred to in paragraph (39) had been satisfied. II. OFFICERS. (i) The Chief Officers and their Duties. (41) A Society will have such officers as are required by its Rules. In general the various duties of the officers are suffic- iently indicated by the following titles : — Secretary, Treasurer Trustees, Auditors (where a Society undertakes business out side the National Insurance Acts), and Committee of Manage- ment consisting of certain officers and a number of ordinary members. The Rules provide that any" of these officers wUl be removable by resolution of a meeting of the Society (either of members or of delegates), and will be subject to the Rules of the Society in regard to appointment, election, retirement, etc. (42) The following is a summary of the more important of the routine duties whici the Secretary will have to perform on behalf of his Society or Branch : — (a) He will hear from persons who are insured, or desire to be insured, or think they should be insured, under the Acts, that they wish to become members of his Society for State Insurance purposes. (6) He wUl supply all such applicants, whether previously members of the Society or not, with a proper form of application for admission in accordance with the Rules of the Society. (c) He will receive the form when filled up and signed by the applicant, and will examine it to see that it is properly completed ; he wUl ascertain whether the applicant is qualified to be insured under the Acts, and, if so, whether he is eligible for admission to the Society under its rules {see paragraphs (65) and (66)). {d) If the applicant appears to satisfy both these conditions, the Secretary will see that the application is con- sidered by, or on behalf of, the Society, as soon as possible, and will then send to the applicant a notice of acceptance or rejection. (e) He will, on sending a notice of acceptance, make the necessary entries in the Membership Register. He will then supply the member with the appropriate contribution card and insurance book, and also with a copy of the Rules of the Society, for which a charge may be made as provided by the Rules. He will also issue new cards before the beginning of each half-year. If, however, the new member is' trans- ferring from another Society, the acceptance will 19 be a provisional one, and no entries can be made in the Registers until the transfer is completed. (/) He wiU receive the stamped cards at the end of each half-year and sort them into classes. He wiU write up the Contribution Register, re-sort the cards in each class in accordance with the value of the stamps, make out the half-yearly return from which wiU be calculated the amount to be credited to the Society in the National Health Insurance Fund, and send this return and the stamped cards to the Commissioners. (g) He will write up the insurance books and return them to the members. (h) He will keep accounts in accordance with the require- ments of the Commissioners, and submit them for audit when required. (i) He wiU send to the Insurance Committee for the area in which each member is resident an index slip duly fiUed up, in order that the Committee may be in a position to administer medical and sanatorium beneiits for the member. (j) He will receive from the members claims for sickness, disablement, and maternity benefits, and will see that all the requirements of the Rules of the Society with reference to such claims are complied with ; he will advise his Committee as to whether the member is entitled to the benefit claimed, and, if so, what is the amount of the benefit due, and when and for how long it should be paid. (k) He will arrange for the payment of the sum due to the member and will see that proper receipts are obtained for every payment so made, and that the necessary entries are made in the Benefits Register and Record Cards. (l) He will prepare and forward to the Commissioners appli- cations in the proper form, and signed by the proper persons, for issues of money to the Society out of the National Health Insurance Fund, as may be required for the payment of benefits or for purposes of administration. (m) He wUl prepare the reserve value claims on behalf of his Society and render such returns for valuation, statistical, and other purposes as may be required by the Commissioners. (n) He will carry on all necessary correspondence on behalf of the Society, summon and attend meetings, and keep miniites of the proceedings. e uicapable ,of work, and yet is unable to ascertain some further fiacts as to the nature of the illness than are conveyed by such a vague term as " debility " standing alone. And if such further facts are ascertained, a more definite phrase than " debility " .clearly - can and ought to be employed. For instance, the doctor can certainly be expected in such a case to state, where he so finds, " debility with anaemia," or " debility with high temperature," or " debility with dyspepsia," and similarly in other conditions. An increasing degree of certitude and exactitude is, of course, always likely to jbe reached at each successive examination of a patient or as the disease develops ; and the Commissioners desire to call the attention of Societies to the fact that for a doctor to give at different stages of a case a different description in his successive certificates, as to the cause of the patient's incapacity, from that given at earlier dates in the same case, is not necessarily, as some officials of Societies have appeared to imagine, evidence of carelessness or incompetence in the doctor, but may rather be a proof of the skill and attention ■ which he gives to his work. ' (331) For similar reasons, it is necessary that the condition of the patient, as known to the doctor at the time of giving a certificate, should oil each occasion be stated explicitly, and not in terms involving referfeftce to previous certificates. No provision, therefore, is made (as in the model forms of certi- ficate previously issued by the Commissioners, which are now wholly superseded) for the use of the expression " the disease named in "-my last certifidate," or any equivalent phrase ; and the use of such expression^ will not be in conformity with the Rules. . - 7 98 Complaints regarding Certification. (332) If Societies have any reason to complain in regard to the action of Insurance Practitioners with reference to certifica- tion, they should communicate with the Clerk to the local Insurance Committee. Certificates from Doctors attending Members in a Private Capacity. (333) Forms Med. 40 have been supplied not only to doctors on the panel and to medical q£fioers of institutions approved under Section 15 (4) of the Act of 1911, but also to all doctors not on the panel who are attending persons "who have made their own arrangements for medical benefit " with the consent of the Insurance Committee under Section 15 (3) of the Act of 1911 (i.e. members who have arranged to receive a contribution towards the cost of attendance from a private doctor, instead of availing themselves of their right to attendance from a panel doctor). In all these cases, therefore, the ordinary forms, Med. 40, wiU be produced to the Society by the member in the ordinary course. ^ (334) There remains, however, the case of persons who, though they are entitled to receive medical attendance as one of their benefits under the National Insurance Act, voluntarily forego that right (whether generally or in a particular illness), and, at their own expense, obtain the services of a doctor who attends them in a private capacity and not under the Act. The forms, Med. 40, have not been supplied to doctors for use in these cases. These official forms are a part only of the whole system of certification embodied in the Medical Certification Rules, to which indeed the wording of the forms makes explicit reference, and on which they depend for a part of their effect. The forms themselves would be misleading if used in the case of treatment in a purely private capacity in which the Rules did not apply. For example : the new certification system contemplates that a Society will be able to make a full weekly payment on its ordinary pay day, even though the last certificate received only certifies the man as incapable up to a few days before that pay day. This is because the Rules (which, of course, apply only to doctors who have entered into a contract under the Medical Benefit Regulations) provide for the doctor takmg special steps to see that he gives a Final Certificate directly the man becomes capable of work. The Society can properly assume, therefore, in ordinary cases that where no such Final Certificate has been received the man is still incapable. No such obligation rests upon a doctor attending an insured person in a private capacity. To take one other instance : if a doctor who is acting under 99 the Medical Certification Rules gives a certificate on Form Med. 40, in which he states " debility " as the cause of incapacity, without sending an explanatory letter under Rule 11, the Society is entitled to assume in accordance with that Rule tha,t the practitioner's knowledge of the insured person's con- dition at the time of examination does not enable him to give a more precise description. But in the case of a doctor who is not acting under those Rules such an assumption cannot be made. If, however, the same forms, Med. 40, were received from members being attended by doctors in a private capacity, it would be difficult, if not impossible, for the Society to distin- guish their case from that of members receiving me(Mcal attend- ance in the ordinary way. For the above reasons the ordinary certificates wiU not be available in respect of members receiving medical attendance in a private capacity. (335) At the same time the Commissioners desire to point out in the clearest terms that insured persons do not disqualify themselves from receiving sickness benefit by obtaining their certificates from doctors thus attending them in a private capacity. The introduction of the new system of certificates has not altered the rights of members in this respect. Societies will doubtless continue to receive letters or other forms of cer- tificate signed by doctors attending some of their members in a private capacity. Some of these may be on a printed form with which such doctors provide themselves for their own use, and may, no doubt, in some cases be generally similar in wording to the official form, Med. 40, including the same provisions for notice of sickness and for the other declarations by the member. Societies will, of course, find it necessary, for the reasons above indicated, to distinguish these certificates from those on the official forms ; and they will readily be able to do so if only because the words " Form Med. 40 " (implying as they would that the form was official) must necessarily be omitted from the top right-hand corner. But though a Society must distinguish these certificates, it must give them due consideration. A Society in not entitled to refuse to receive and consider, in connection with a claim to benefit, certificates not given under the Medical Certification Rules. On the contrary, a Society is bound to take into due consideration any medical certificate put forward in support of a claim. (336) This obviously does not mean that benefit must be paid on every certificate. The Society has a responsibility which it is bound to discharge, and every certificate must be considered on its merits. Even where a certificate is on the official form and signed by a panel doctor in the ordinary way, the Society should, of course, not pay without consideration. It should consider the certificate and decide whether it affords sufficient evidence for payment or whether further information is desirable, arranging special sick visiting, or referring the case to a medical 100 referee as may be required. And where the certificate is not on Form Med. 40 (and is therefore the certificate of a doctor who has attended the member in a private capacity), inquiries must often be needed which the understandings embodied in the Medical Certification Rules render unnecessary in cases certified under those Rules. (v) Treatment of Claims. General. (337) When received, the claim has to be investigated by the combined use of the Membership Register, the Contribution Register, and the Sickness Record Card. Members must always send their insurance boohs when claiming benefit, and the par- ticulars of the benefit must be entered up and the book returned to the member at the end of the illness. (338) Societies should determine as expeditiously as possible whether the benefit is payable or not. If it is determined that no benefit is payable, much trouble will be saved if the Society informs the member of the exact reason why benefit is not payable. Thus, if the member is not yet qualified, the Society should advise the member as to the qualifications necessary for the benefit, and should point •out that in his case they have not yet been fulfilled. If the Society considers that the evidence of incapacity is not such as to satisfy them that the member is incapable of work, this fact should be stated clearly in refusing benefit, and it should be indicated in what respect the evidence submitted is insufiicient and what exactly is required. (339) In considering claims for sickness benefit no distinction should be drawn as regards the payment of benefit between incapacity due to pregnancy and incapacity due to other causes. This, however, is subject to the express provision of the Act by which Married Women Special Voluntary Contributors (Class H) are debarred from receiving sickness or disablement benefit for two weeks before and four weeks after confinement, except in respect of a disease or disablement neither directly nor indirectly connected with child-birth. (340) If a difficulty arises, the first step for the Society to take is that of examining its Rules, where the point may be explained. If a Branch is in any doubt as to the exact meaning of the Rules in any particular, the District or Head Office should be consulted. It is important that the Rules should not be in- fringed, and it is essential therefore that Society officials should be thoroughly acquainted with them. (341) A member may, subsequently to a decision, be in a position to adduce fresh facts in support of his claim, or may be able to show that the Society has overlooked some material point. In such a case the Society should be ready to reconsider the claim, and if it is discovered that a mistake has been made, 101 and that the person is entitled to benefit, the mistake should be rectified without delay. Sick Visitors. (342) It cannot be too clearly understood that the responsi- bility for determining whether a member is entitled to benefit rests not with the doctor who gives a medical certificate but with the Society, and although the medical certificate constitutes a very important part of the evidence upon which the Society have bo base their decision, it is not the only evidence that they may have to take into account in determining whether benefit is payable. It is very desirable that the Society should be in a position to obtain other evidence which will supplement the evi- dence of medical certificates, and so to exercise a regular super- vision over sickness benefit claims. (343) For this purpose Societies should possess a carefully organised system of sick visiting, which is an essential part of the administration of every properly conducted Society. As soon as a. Society receives the first medical certificate and notice of iUness (see paragraphs (306) to (308)), it becomes responsible for the proper supervision of the case. (344) The efiiciency of sick visiting will be enhanced by securing that as far as possible members are visited before the first payment of benefit is due ; and a visit should at aU events be made within the first week after notice of sickness is received by the Society. Similarly, further visits should ordinarily be made, and reports furnished, before each weekly payment of benefit is due. The sick visitor's report should ordinarily be sent to the person or body responsible in the first instance for passing the claim for benefit. (345) The frequency with which a member is visited should iepend to a considerable extent upon the nature of the case. Where the Society has reason to believe, either from the aature of the doctor's certificate or from its knowledge of the member's previous record or for any other reason, that the member needs specially careful supervision, it is desirable that iireotions should at once be given for more prompt and frequent srisiting. (346) The attention of Soeietieis is particularly directed to the requirement of the Act that women members are to be visited luring sickness by women only. (347) A satisfactory system of sick visiting should secure that fisits are made at irregiilar times, as regards both day and hour. k system under which visits are always paid on the same day )f the week, or never paid except in the evening, does not orovide adequate supervision. While some Societies have* •ound it possible to secure adequate supervision by means of 3art-time visitors, others have found it advisable with th^ md in view to entrust the duty of sick visiting to a salaried' 102 officer appointed either on their own behalf, or in certain in- stances by two or more Societies in the same locality co-operating for this purpose. It is undesirable that the remuneration of sick visitors should be on the basis of the number of visits paid. (348) Experience is showing that Societies have derived great advantage from systematising the duties of their sick visitors. Generally the sick visitor should furnish a written report on a form, in which he can set out the answers to certain specific questions so far as he finds possible. Such form will be of value (a) in directing the mind of the visitor to the points to which he should give attention ; (b) in securing that the information which he obtains is reported in a more precise form ; and (c) as written evidence in the event of dispute. (349) It must be borne in mind that a sick visitor cannot be expected, and should not be allowed, to act as a medical adviser. The proper means of obtaining further evidence on matters which require any medical knowledge is to refer the case to the doctor in attendance, or to a medical referee (see paragraph (350) below). In order to remove any misunderstanding on this point, the Commissioners desire to impress upon Societies the very unfortunate consequences which may foUow if a sick visitor attempts in any way to interfere with what is the doctor's province ; and sick visitors should be instructed in no circum- stances to exceed their duty by such action as removing surgical bandages or giving a patient instructions contrary to those of the doctor attending him, e.g. by pressing him to declare off the funds and return to work without further reference by the insured person to the doctor. These considerations do not affect the proper function of a sick visitor to report to the Society any facts observed by him which appear to him as a layman to be inconsistent with the patient's condition as stated in the doctor's certificate ; and the Society can, of course, in such cases, take such further action as may be appropriate to the case. Medical Referees. (350) Cases will arise where the Society, after considering the evidence both of the medical certificates and of the sick visitor's report, will still be in doubt whether or not benefit should be paid. Where this doubt arises on some medical point, the doctor in attendance may often be able to help, e.g. by supplying additional particulars in the next certificate he gives to the insured person. In some cases of doubt on medical points the Society's proper course will be to refer the case to a medical referee, first informing the doctor in attendance of their inten- tion, and seeing that he is informed of the time and place of the proposed examination ; the arrangements made should, in any case, secure that a member is not required to visit the referee if it would be dangerous to his health to do so. Practically all Societies have power under their rules to require any member 103 claiming benefit to submit himself to examination by a doctor appointed by the Society for the purpose, and to defray the cost of such examination out of the Administration Account. Societies should not hesitate to avail themselves of this means of obtaining further medical evidence in doubtful cases, where the doubt is of such a nature as to render this course appropriate. (351) Where a deficiency on the Administration Account arises in consequence of expenditure on medical referees, a Society is allowed to carry a further limited sum to its Administration Account beyond the maximum amount ordinarily allowed by Regulation (see paragraph (714)). (vi) Paying the Benefit. (352) The three important considerations in this connection are security, expedition, and economy ; in other words, that the right person should get the money, that he should get it without inconvenient delay, and that the Society_ should spend as little as possible in getting it to him. (353) Where the Society has sick visitors or local agents, it is desirable on aU grounds that they should be utilised to carry the benefit in cash to the person entitled to it. The cost of postage and of postal orders is saved, and, if the sick member is known to the agent, the danger of the money going astray is minimised. (354) In many cases, especially in that of small Societies, where every member is known personally, administration expenses can be kept down by encouraging members who have made claims to send someone to fetch the money. Great care is, of course, necessary to see that the bearer is a properly authorised person. A receipt must at the time of payment be obtained from the sick member, or from a responsible person on his behalf, for any money paid by a Society.* (355) Where the money cannot be paid in person it must be sent by post, and it may be convenient to use either (a) receiv- able order cheques — i.e. cheques bearing a receipt on the face ; or (6) postal drafts, if the necessary permission of the Commissioners is obtained. As regards receivable order cheques, the signed receipt will not, of course, be returned to the Society directly by the member, biit through the bank on which it is drawn, and if the use of the cheques presents difficulties, in special cases it may be necessary to use postal orders. The Commissioners are prepared to consider applications from Societies which pay a considerable number of benefits through the post for permission to use postal drafts for the purpose on certain specified conditions. Full particulars can be obtained from the Commissioners on application. (356) All Societies are required to pay sickness benefit for frac- tions of a week. Most Societies have undertaken to pay a sixth • As to receipts for maternity benefit, see paragraphs (401) and (402). 104 of the weekly sum in respect of each week-day on which the man is ill. Thus, if a man at the 10s. rate falls ill on Sunday (not being a day' on which he would have worked) and goes back to work on Tuesday week, the Society will, if the sickness is not a " linked-up " one, pay I of 10s. for Thursday (the fourth day of incapacity, excluding Sunday), ^ for Friday, i for Saturday, nothing for Sunday, ^ for Monday, and nothing for Tuesday, the day on which he goes back to work. He thus gets | of 10s., or 6s. 8d. Whether a Society pays in this way ^th of the weekly sum for each week-day, or ith for each day (week-day or Sunday), depends on its rules. This is a different question from that of reckoning Sunday as one of the three waiting days (see paragraphs (278) and (279)). (357) Where a member dies before he has received payment of any benefit to which at the date of his death he was entitled, the money should be paid over to his executors or other legal representatives. II. DISABLEMENT BENEFIT. (358) Disablement benefit is payable, if the member is properly qualified, in respect of total incapacity which continues after the right to sickness benefit has been exhausted. Subject to the modifications noted below, and bearing in mind always that the normal rate of disablement benefit is 5s. per week for both men and women, the remarks made" in the previous Section (I.) of this Chapter, dealing with sickness benefit, apply to disable- ment benefit. (i) Eligibility for Benefit. (359) The number of weeks which must have elapsed since the member's entry into insurance is 104, and 104 contributions must have been paid. No reduction of disablement benefit is made by reason of a member having entered into insurance after 12th October 1913 and having been of the age of 17 or upwards at the time of entry. As in the case of sickness benefit, it is open to an insured person who is unemployed or ill to qualify for disablement benefit by paying up the necessary contributions himself. The rate at which these contributions should be paid is the same as in the case of qualification for sickness benefit. This qualifi- cation is not retrospective in its effect, i.e. the payment of contributions making up the number necessary for qualification will not entitle an insured person to sickness -or disablement benefit in respect of a period prior to the date of such payment. (ii) Eate of Benefit, Commencement, Duration. (360) The various exceptions to the normal rate of benefit are shown in the Summary Tables for the various classes of members 106 {page 224). As stated above, subject to the qualifying title, disablement benefit commences on the day after sickness benefit IS exhausted. It continues so long as the member is rendered incapable of work by a specific disease or bodily or mental dis- ablement. It ceases, however, at the age of 70. (iii) Receipt of Claim. (361) On the subject of the claim for benefit, and medical certificates, see paragraphs (291) to (350). (iv) Paying the Benefit. (362) Paragraphs (352) to (357), relating to sickness benefit, apply to disablement benefit also. III. MATERNITY BENEFIT, (i) Eligibility for Benefit. (363) A woman may be entitled to receive maternity benefit from her own Society (if she is herself insured), or from her husband's Society (if her husband is insured), or from both Societies. She may be entitled *to two maternity benefits from her own Society, if she is insured and her husband is not in- sured or has not qualified for the payment of benefit. These various cases are explained in paragraphs (386) to (391) below. In any case, however, maternity benefit is not payable by a Society unless (A) The member has been in insurance for twenty-six weeks (in the case of a voluntary contributor fifty-two weeks), and (B) The member has paid twenty-six weekly contri- butions (in the case of a voluntary contributor fifty- two contributions), and (C) In the case of a male member, the member or his wife is resident in the United Kingdom, or, in the case of a female member, she is resident in the LTnited Kingdom {but see paragraphs (372) to (374) below). (364) There are certain circumstances under which, although the qualifications mentioned in the last paragraph may be satis- fied, maternity benefit is not payable or, at least, is payable only subject to modifications, as described in the paragraphs following. These circumstances are (D) When the member is in arrears. (E) When the woman to whom benefit is payable is in a workhouse, hospital, asylum, convalescent home, infirmary, or sanatorium, as described in paragraph (247). (F) When the Society makes an arrangement for administer- ing maternity benefit in kind, as, for example, by 106 providing the services of a midwife or doctor as part of the benefit. (G) When the member has ceased provisionally or per- manently to be insured (see paragraphs (67) to (79)). (H) When the member is suspended from benefit as a penalty under the rules of the Society. Payment of maternity benefit cannot, however, be refused in the case of a man suspended from benefit for breach of rules, imposition, or attempted im- position, unless the wife, being also a member of the Society, is also guilty of the offence (see paragraphs (272) and (273)). (365) The foregoing conditions (A) to (F) are dealt with in detail under the headings below. (A) 26 (or in the case of a Voluntary Contributor 52) weeks to have elapsed since entry into Insurance. (366) This question can be determined by reference to the Membership Register (see paragraphs (141) and (142)). (367) Difficulties may arise in cases where a claim for maternity benefit arises at a time when either the husband or the wife has not completed the waiting period or has not paid the qualify- ing number of contributions. These difficulties will be decided on the following principles. Where the defect is in the wife's insurance, and not in the husband's, the husband's Society is liable only for the ordinary maternity benefit payable in respect of his insurance, as if the wife were not an employed contributor at aU ; while, owing to the defect in the wife's insurance, her Society is not liable to pay the second maternity benefit in re- spect of her insurance. Where the defect is in the husband's insurance, and not in the wife's, the husband's Society is not liable to pay the ordinary maternity benefit in respect of his insurance, but the wife is compensated by the payment of the ordinary benefit in addition to the second maternity benefit by her Society, so that she receives as much as she would have received if her husband were not an insured person. (368) The practical effect of this principle is worked out in complete detail in paragraphs (386) to (391) below. (369) It will be seen that in many cases it wiU be necessary for the wife's Society to communicate with the husband's Society (where these Societies are different), because the liability of the wife's Society for the ordinary maternity benefit cannot be ascertained until the position of the husband under the Act is known. The wife's Society, in communicating with the husband's Society on this point, should use a form similar to the model Form A.S. 52C. issued by the Commissioners. A stock of these forms should always be kept ready for use. When, however, it is clear that the wife's Society is liable at 107 any rate for the payment of the second maternity benefit, the payment of this benefit should not be delayed pending inquiries as to the ordinary maternity benefit. (370) Similarly, when the husband is a deposit contributor and no maternity benefit or part only of the full maternity benefit is payable, it wiU be necessary for the wife's Society, where she is an employed contributor, to communicate with the Commissioners to ascertain the amount of the deficit, which will require to be made up by the Society to the wife. (B) 26 (or in the case of a Voluntary Contributor 52) Contributions to have been paid. (371) Paragraphs (220) and (221) apply to the qualification of payment of 26 (or, in the case of a voluntary contributor, 52) contributions required in respect of maternity benefit, and any difficulty should be dealt with in the manner there indicated. It may be noted that the 26 (or 52) contributions must have been paid before the child was born. (C) Residence. (372) Where maternity benefit is payable by the husband's Society it will be paid if either he * or his wife is in the United Kingdom at the time of the confinement. Where benefit is payable by the wife's Society it will be paid if at the time of the confinement she is in the United Kingdom or temporarily living in the Isle of Man or the Channel Islands, but not if she is abroad. (373) With regard to members who have emigrated, but whose wives have remained in this country, it must be re- membered that no benefit is payable in respect of any member who has ceased to be an insured person. The first question to be determined, therefore, by his Society is whether -he is, or is not, stiU an insured person. If the Society knows that he is only abroad temporarily, he remains an insured person ; and the fact of his wife's continuance in the United Kingdom may ordinarily be taken as sufficient evidence that he has not yet permanently taken up his residence abroad. If, however, he has definitely removed his residence no benefit is payable in respect of his insurance unless he does in fact return to the United Kingdom under the conditions stated in paragraph (69). In the meantime he is treated as being out of insurance, and in consequence his wife, if she is herself an employed contributor, is entitled both to ordinary and to second maternity benefit from her own Society. (374) Ordinary maternity benefit is always payable for wives * Benefit will be payable, by the husband's Society if he is at the time of the confinement temporarily living in the Isle of Man or the Channel Islands, even though the wife is resident abroad. 108 of Navy and Army members during their term of service, even though both parties are out of the United Kingdom, but the second maternity benefit is not payable if the wife is abroad. (D) Arrears. (375) The effect of arrears on maternity benefit is set out fully in Chapter VI. (376) The principles explained in paragraph (367) apply to cases in which the right of the husband or the wife to maternity benefit is at the time of the claim extinguished by reason of accumulated arrears. The procedure described in paragraphs (386) to (391) also applies in such cases. (E) Benefit when the Mother is in Hospital, etc. (377) No payment can be made on account of maternity benefit while the mother is in any institution, as defined in paragraph (247). As in the case of sickness benefit, the sum otherwise payable on account of the benefit must be dealt with differently, accord- ing to whether the mother has dependants or not. (378) // the mother has dependants, the sum must be paid to, or applied in whole or in part for the relief or maintenance of, such dependants, after consultation, wherever possible, with the mother. (379) Where, however, a second maternity benefit is pay- able as well as the ordinary maternity benefit {e.g. in the case of the insured married woman), provision for the wife's dependants is made out of the additional maternity benefit. The ordinary maternity benefit, therefore, is not available for dependants, and in this case where the insured person is a member of a Society, payment may be made to the institution, provided it is supported by charity or voluntary subscriptions and an agreement has been made. (380) If the mother has no dependants, the following provisions apply :— {a) If the mother is receiving sanatorium benefit in an approved sanatorium, the sum which would have ordinarily been payable to the member must be paid to the Insurance Committee. (6) If the mother is in a hospital, asylum, convalescent home, or infirmary, supported by charity or by voluntary subscriptions, and an agreement for the purpose has been made between the Society and the hospital, asylum, home, or infirmary, the sum must be paid in whole or part, according to the agreement, towards the maintenance of the member in the hospital, asylum, home, or infirmary. • (c) If the mother is in a workhouse, or in a hospital, asylum, 109 convalescent home, or infirmary, supported by any public authority or out of any public funds, the sum will fall to be disposed of as mentioned in paragraph (381) below. (381) In every case the whole of the maternity benefit (where no such payments as above mentioned have been made) or the part remaining in the hands of the Society (where such payment has been made) is payable either in kind, or in instalments, or as a lump sum, as the Society may determine, when the mother leaves the institution. Such sum will be payable to the mother in all cases, whether she is insured or not. This paragraph wiU also apply to the second maternity benefit referred to in paragraph (379). (F) Provision of Midwife or Doctor. (382) Special attention should be given to the following rule relating to maternity benefit in respect of the husband's insurance : — " A woman in respect of whom this benefit is payable must be attended in her confinement either by a duly qualified medical practitioner or by a midwife possess- ing the prescribed qualifications " {Model Rules A and C 12 (5)). (383) Under Section 18 of the Act of 1911 and Section 14 of the Act of 1913, Societies have power to administer maternity benefit " in cash or otherwise." A Society may therefore, if it thinks fit, instead of paying the whole of the benefit in cash, administer part of it in kind by placing at the disposal of its members the services of midwives possessing the prescribed qualifications and doctors with whom it has made arrangements previously. The value of the services estimated in accordance with the terms of the agreement will then be part of the maternity benefit, and the balance will be available for pay- ment in cash or otherwise. (384) In any such arrangements, however, due effect must be given to the proviso to Section 18, that the mother shall have free choice in the selection of the doctor or midwife by whom she is to be attended, and for this purpose it will be necessary for the Society to supply to its members on applica- tion lists of the doctors or midwives whose services are avail- able. If the mother chooses attendance by a doctor or midwife on the list as part of the maternity benefit and unreasonably declines it when tendered, the Society may deduct from the benefit paid the value of the services so declined. (385) Where Societies do not propose to make any arrange- ments for providing the services of a midwife or doctor as part of the maternity benefit, the rule in question must be read as" 110 a direction to the members and not as a condition which must be fulfilled before benefit can be paid. That is to say, if the rule is infringed, the Society may inflict a fine if its Rules so provide ; but every such case will have to be considered on its merits, and the rule could not reasonably be regarded as infringed in a case in which it was impossible to obtain the attendance of a qualified midwife or qualified prac- titioner, or a case in which a medical student or pupil midwife was in attendance under the supervision of a qualified prac- titioner or qualified midwife. The rule does not authorise the Society to refuse payment of benefit in respect of a confinement at which for any reason a quaUfied midwife or medical practitioner was not in attendance, except in the rare cases in which husband and wife are both insured members of the same Society and the Society is satisfied that both parties were guilty of a deliberate breach of the rule. (ii) Husband's and Wife's Benefits, etc. (a) Where the husband is an insured person and the wife is not an employed contributor. (386) In this case maternity benefit (ordinarily 30s.) is payable in respect of the husband's insurance by his Society, provided that he is qualified as regards the waiting period, arrears, etc. The benefit is the wife's property. (b) Where the husband is not an insured person and the wife is an employed contributor. (387) In this case the wife is entitled to both the ordinary and the second maternity benefit, both payable in respect of her own insurance, by her Society. These two maternity benefits will normally, in the case of a wife of British nationality, amount to 60s. Paragraph (404) below will apply to the administration of these benefits. (c) Where the husband is an insured person and the wife is an employed contributor. (388) In this case the ordinary maternity benefit (ordinarily 30s.) is payable if the husband is qualified as regards the waiting period, arrears, etc., by his Society, in respect of his insurance. This benefit is the wife's property, and is therefore to be administered (by the husband's Society) in the manner explained in paragraph (403) below. In addition to this maternity benefit payable in respect of the husband's insur- ance, the wife, if she is qualified as regards waiting period, etc., is entitled to a second maternity benefit (ordinarily SOs.) from her Society in respect of her insurance. This benefit is likewise her property, and paragraph (404) below wiU apply to its administration. Ill (389) Where the wife is an employed contributor, and the husband, though an insured person, is disentitled to the ordinary maternity benefit because he has not paid a sufficient number of contributions or because he has fallen into arrears, then the wife is entitled to the ordinary maternity benefit from her own Society in respect of her own insurance in addition to the second maternity benefit,* provided she is qualified as regards waiting period, etc. (390) Again, if the husband is a deposit contributor, and has not standing to his credit a sum sufficient to provide the full maternity benefit which would be payable in respect of his insurance were he a member of an Approved Society, then the wife is entitled to receive the full amount which she would have received if he were not an insured person, f This amount is made up as foUows : — (1) If the husband has paid the 26 qualifying contributions (or 52, if he is a voluntary contributor), then the amount standing to his credit in the Deposit Con- tributors Fund is devoted to the provision of the ordinary maternity benefit, and (provided the wife is qualified as regards waiting period, etc.), the deficiency in the ordinary benefit is made up by the wife's Society, which also pays the second maternity benefit. (2) If the husband has not paid the qualifying number of contributions, then both the ordinary and second maternity benefits are payable by the wife's Society, provided she is qualified as regards waiting period, etc. (391) The following tables show clearly the position of the hus- band's Society and the wife's Society respectively in the various cases which may arise under the preceding paragraphs :— Table I. — ^For use by Husband's Society. A, Husband insured, and qualified for benefit. . B. Husband insured, but not qualified for benefit. Husband's Society pays — 30s. i£ husband is a British subject, or if wife was before marriage a British subject. £1, 3s. 4d. if he is an ahen and his wife was before marriage an alien. Husband's Society pays nothing. * I.e. the wife of British nationality wiU, in these circumstances, receive from her Society. ,-„.,., j.- vi an t Ordinarily, in the case of the wife of British nationahty, 60s. 112 Table II. — ¥oi use by Wife's Society. A. Wife an employed contributor, but not qualified for benefit. Wife's Society pays nothing. B. Wife an employed contributor, and qualified for benefit. Then, if (1) Husband is also insured. Wife's Society pays SOs. (or 18s. if and qualified. husband is an alien and wife was an alien before marriage). (2) Husband is also insured, Wife's Society pays 60s. (or 36s. if Wt not qualified. husband is an alien and wife was an alien before marriage). (3) Husband is not an in- Wife's Society pays 60s.- (or 36s. if sured person. husband is an alien and wife was an alien before marriage). (4) Husband is a deposit Wife's Society pays — contributor, but the If the husband is a British subject. amount standing to Ms or if the wiie was before marriage credit is not enough to a British subject — SOs. at once, provide fuU benefit {i.e. and, when they know the sum 30s. or £1, 3s. 4d., as avaOable from the husband's above). credit, so much more as will, to- gether with that sum, make up a further 30s. If the husband is an alien and the wife was before marriage an aUen — 18s. at once, and, when they know the sum available from the husband's credit, so much more (if any) as is required, together with that sum, to make up a further 18s. (392) The general principle of the provisions explained above is that the wife is never to be worse off as regards maternity benefit by reason of the fact that her husband is an' insured person than she would be if he were not. (393) Every Society has been retjuired to make rules, to the satisfaction of the Commission, providing that a woman who receives the second maternity benefit by virtue of the above provisions must abstain from remunerative work for a period of four weeks following her confinement. (394) The preceding paragraph does not mean that every married woman employed contributor is required to abstain from all work for the four weeks following confinement. It states only 113 that, if she receives the second maternity benefit, she must abstain from remunerative work. (395) The second maternity benefit is not subject to the conditions attached to the payment of sickness benefit, e.g. it may be payable even although the member is suspended from sickness benefit on account of arrears, or has already exhausted the fuU 26 weeks for which sickness benefit is payable. Similarly the payment of the second maternity benefit wiU not count as the payment of 4 weeks' sickness benefit for the purpose of determining when the 26 weeks' sickness benefit to which a member may be entitled is exhausted. Nor does such payment disentitle a woman to sickness benefit in respect of incapacity after the end of the 4 weeks, whether due to confinement or not. (396) Maternity benefit is payable in the case of a posthumous child (i.e. a child bom after the death of the father) as if the husband were still alive. For this purpose the husband's insurance is regarded as continuing after his death up to the time of the confinement. At the same time any arrears accru- ing owing to the non-payment of contributions in respect of the husband's insurance for the period between his death and his wife's confinement are disregarded. (397) A woman who is herself insured is entitled to the ordinary maternity benefit in respect of her confinement even if she is not married ; but an unmarried woman is never entitled to the second maternity benefit. ' Proof of Marriage. (398) When a claim for maternity benefit is made in respect of a man's insurance, his Society must have proof that he is married to the woman in respect of whose confinement the claim is made. (399) When a claim for two maternity benefits is made on the woman's Society in respect of her insurance, her Society must similarly have proof that she is married. (One benefit may be paid by the woman's Society without such proof, as one benefit is so payable whether she is unmarried or, being, married, is receiving one benefit from her husband's Society.) (400) The evidence of marriage should ordinarily take the form of production of a marriage certificate, and provision has been made by which certificates for the purposes of National Insurance can be obtained at the reduced price of Is. The application for a cheap certificate of marriage should be ad- dressed to the Registrar of Births, Deaths, and Marriages for the registration district in which the marriage took place. A note that the certificate has been seen should be attached to the papers relating to the claim. In exceptional cases a statement in writing by a responsible officer of the Society that he has personal knowledge of the fact of the member's marriage may be accepted. 8 114 (iii) Payment of Benefit. (401) A provision of the 1913 Act declares that maternity benefit is, in every case, to be the benefit of the mother. This applies universally and without exception, whether the benefit is paid by the husband's Society in respect of his insurance, or by the wife's in respect of hers. Thus, in every case, the wife's receipt is sufficient discharge of its obUgations either to the husband's or to the wife's Society. (402) Where benefit is payable by the husband's Society, a wife may authorise her husband to receive that benefit on her behalf, and if the wife does so, it is then open to the husband's Society to pay the maternity benefit in cash to the husband, in which case the husband's receipt is a sufficient discharge to his Society. But it is only if and when such authority has been given by the wife that a Society is at liberty so to pay the benefit to the husband. (403) Whether or not the wife has authorised her husband to receive the benefit payable in respect of the husband's insurance, the husband's Society may exercise its discretion as to whether it will administer the benefit in cash or in kind. Where it decides to administer in kind, the 1913 Act declares that it is to be administered in the interests of the mother and child. If the benefit is administered in kind, due regard must, of course, be paid to the free choice of doctor or midwife, secured to the mother under the principal Act, on the principles explained in paragraph (384) above. (404) The wife's Society, in paying the benefit in respect of her insurance, has the same discretion as to administration in cash or kind, subject to the same considerations as to free choice of doctor or midwife. (405) A husband who receives maternity benefit under the conditions set out in paragraph (402) above is required to pay the money to his wife. This provision applies equally whether the wife is or is not an insured person. IV. BENEFITS REGISTER, BENEFIT DOCKET, AND SICKNESS AND DISABLEMENT RECORD CARD. (406) The Benefits Register now in use is Form 412/A.G.D., which furnishes a complete record of all sickness, disablement, and maternity benefit paid or deemed to be paid by a Society to its members. (i) Benefits Register. (407) All payments of sickness, disablement, and maternity benefit will be entered in the Benefits Register ) (Form 115 412/A.G.D.).* The totals of maternity benefit in columns 21 and 24 will be used for entering up the Half-yearly Cash Summary Return to the Commissioners. (408) Each opening of the register provides for a calendar year's entries in respect of ten members. Only one member's name should be entered between the heavy blue lines, so that space wUl be available for separate entries in respect of second and later sicknesses in the year immediately below the entry for the first sickness. Payments of Disablement Benefit should be distinguished by the letter " D " or by being entered in ink of a distinctive colour. (409) The register is to be kept in six sections, namely : — Section 1 : — • Men, British subjects — all benefits of Classes Al, A4, Cl, CCl, and Dl, and Maternity Benefit of Class B; also maternity benefit payable in respect of alien husbands' insurance (Classes A2, A5, C2, CC2, and D2) where the wives were before marriage British subjects. Section 2 : — Widows and Spinsters, British subjects (included in Classes El, E4, Fl, FFl, Gl, and Hi),— aU benefits. Section 3 : — Married Women, British subjects (included in Classes El, E4, and HI),— aU benefits. Section 4 : — Men, Aliens (Classes A2, A5, C2, CC2, and »D2),— all benefits, except maternity benefit payable in respect of alien husbands' insurance where the wives were before marriage British subjects [see Section 1 above). Section 5 : — Widows and Spinsters, Aliens (included in Classes E2, E5, F2, FF2, G2, and H2),— all benefits. Section 6 : — Married Women, Aliens (included in Classes E2, E5, and H2), — ^aU benefits. (410) Societies without Registered Branches approved for only one part of the United Kingdom, need keep only one register, whilst those approved for more than one part of the United Kingdom must keep separate registers (or separate parts of a legister) for each part of the United Kingdom for which the Societies are approved. (411) In the case of Societies with Registered Branches, each Branch need keep only one register, except where it has obtained * Sums paid under Section 44 (2) proviso (1911 Act) (out of Married Women's ■Credits) and Section 44 (8) (1911 Act) (out of excess contributions over 3d. [in Ireland, 1^.] weekly of Married Women Voluntary Contributors holding exemp- tion certificates) are not to be entered in this register. 116 permission from the National Health Insurance Joint Committee to recruit members in more than one country, in which case the Branch must keep a separate register (or part of a register) for each such country. (412) As regards employed contributors, the register is to be used in conjunction with the Employed Contributors Benefit Docket (Form 429/A.G.D.) (see paragraphs (416) to (420)). (413) Every period of incapacity for which benefit is paid, or deemed to be paid, during the calendar year, must be recorded in the Benefits Register (see note to columns 5 and 6, and 8 and 9). (414) The Society's accounts will be balanced at 31st December each year, and the cash books should accordingly be closed and the Benefits Register summarised as at that date. Benefits actually paid on or before 31st December in any year should therefore be entered in that year's register, and benefits paid after 31st December, although in respect of sickness in the previous year, should be entered in the Benefits Register for the new year. The entries in the cash book will thus agree with the Benefits Register. (415) Explanation of the Columns of the Benefits Register. — The Benefits Register wUl show in : — Column 1 : — The consecutive reference number of the entry in the register (only one number is to be given to the entries in respect of each member, however many illnesses he may have in the year). This number must also be entered in column 1 of the Record Card {see paragraph (421) below). Column 2 : — The membership number of the member. Column 3 : — The name of the member in respect of whose insurance the benefit is payable. Column 4 : — The year of birth of the member. This will be required for statistical purposes at a later date. It will probably be convenient to fill in the year of birth at the time the Member- ship Register is referred to for ascertaining the member's title to, and normal rate of, benefit. Columns 5 and 6 : — The date on which incapacity begins and ends. Even though the net penalty arrears exceed 16 (in Ireland, 18) and benefits are suspended, the date of beginning and end- ing of each period of incapacity must be entered, as benefit in such a case is deemed to have been paid, but a period of incapacity in respect of which a member is entitled to compensation or damages is to be recorded in these columns of the register only when the weekly amount or weekly 117 value of the compensation or damages is less than the full ordinary rate of benefit payable. (Entries relating to such periods of incapacity should be prefixed by the letter " C") Where the weekly value of the compensation equals or exceeds the "normal rate of benefit, benefit is not deemed to have been paid and no entry is therefore to be made. Where a member has not yet been insured for 104 weeks and has temporarily exhausted his right to sickness benefit in consequence of 26 weeks' benefit having been paid or deemed to have been paid to him, no entry should be made in columns 5 and 6 of the Benefits Register in respect of any period of incapacity beginning after his recovery from the sickness for which he has received or is deemed to have received sickness benefit and ending before he again becomes entitled to sickness benefit or to disablement benefit. In every case in which the period of incapacity is not recorded in columns 5 and 6, a note should be made in the "Remarks" column of the number of weeks for which no contributions were payable on account of incapacity, in order that the member may not be wrongly treated as in arrears in respect of them. The dates ia columns 5 and 6 relating to incapacity must be entered very carefully, as the linking up of sicknesses depends upon the dates entered in these columns. It is to be observed that the date of ending of incapacity may be later than the date of endiag of benefit in certain cases, e.g., where the member exhausts his right to sickness benefit before he has qualified for disablement benefit. The dates entered in these columns should also be entered in column 2 of the Record Card (see paragraph (421) below). Column 7 : — The duration of " continued " benefit brought forward. An entry is to be made in this column only in cases where the first sickness, in the current year is linked up with, or is a continuation of, a sickness ia the previous year. There will be no entry in the column if the member's last sickness in the previous year ended more than 12 months before the date of beginning of his first sickness ia the current year. The period, if any, to be entered wiU, in 1915, be obtained from column 3 of the member's Sickness and Disablement Record Card and wiU be the total number of weeks and days for which benefit has been paid or is deemed to have been paid in respect of previous sicknesses prior to 1st January 1915 which are required to be linked up. In years after 1915 it wiQ be the period shown in column 11 of the Benefits Register for the previous year. The period in column 7 is required for ascertaining the further period for which sickness benefit can be paid, if the " con- 118 tinued " benefit already paid, or deemed paid, is less than 26 weeks (or in cases coming under Tables B and D in the Fourth Schedule to the 1911 Act, for ascertaining the date when benefit is reduced for the second 13 weeks). The particulars will also be required by the Commissioners for statistical purposes. Golumns 8 and 9 : — The begincning and ending of the benefit paid or deemed to be paid. Care must be taken to see that all periods for which benefit would have been paid had the member not been in arrears are entered in these columns. Where an employed contributor's net penalty arrears are more than 16 (in Ireland, 18), or where a voluntary contributor is in arrear and benefit is withheld, the dates to be entered in columns 8 and 9 are the dates on which benefit would have begun and ended if there had been no suspension or withholding of benefit, and where no benefit is paid an entry of the number of weeks and days of actual suspension prefixed by the letters " S.A." (suspended for arrears), or the weeks and days for which benefit was withheld on account of arrears, prefixed by the letters " W.A." (withheld for arrears), should be made in column 10. Entries in respect of these weeks and days of suspended or withheld benefit are required for the purpose of reckoning the duration of "continued" benefit in column 11. In addition to the cases in which benefit is treated as paid when it is suspended or withheld on account of arrears, benefit is deemed to be paid in the following cases : — (a) Where a member has during illness received full remun- eration from his employer ' in accordance with the provisions of Section 47 of the 1911 Act, or two-thirds of his full remuneration under Section 53 of that Act. In these cases the member is not entitled to sickness benefit from his Society until the employer's liability to pay fuU remuneration (or two-thirds remuneration, as the case may be) has been discharged, but he is to be considered as having received sickness benefit for 6 weeks before the date on which he becomes entitled to benefit from the Society. The entry in column 10 should be prefixed by " Sec. 47," or " Sec. 53," as the case may be. (6) Where in the case of a member employed in the mercan- tile marine, there has been a period of illness during which the member was entitled to medical attendance and medicine as well as maintenance at the cost of the owner of his ship. The entry in column 10 should be prefixed by " Sec. 48." Entries in these columns in respect of benefit paid in com- pensation cases should be prefixed by the letter " C." 119 Column 10 : — The actual duration of benefit. This will be ascertained from columns 8 and 9, and is to include benefit deemed to be paid. Column 11 : — The duration of " continued " benefit. The period to be entered here will be the period for which benefits have been paid, or are deemed to have been paid (see columns 8 and 9 above) to the end of the calendar year. It wiU be the total of columns 7 and 10, subject to the periods entered in column 10 marked " 0," before being added, being con- verted into a reduced period proportionate to the amount of reduced benefit paid ; in compensation cases, when the rate of benefit is reduced or benefit is suspended on account of arrears, the reduced period wiU be proportionate to the reduced amount of benefit which would have been paid if there had been no reduction of rate or suspension of benefit on account of arrears. • The duration of " continued " benefit wiU be increased by the period of each Mnked-up sickness imtil an interval of at least 12 months elapses between the ending of one period of incapacity and tTie beginning of the next. Column 12 : — The sickness or disablement benefit actually paid in each week of the period beginning 1st January and ending 30th June. Payments made after 30th June, although including payments made in respect of the period ended 30th June, should be entered in column 15. Payments of disablement benefit must be distinguished from payments of sickness benefit {see paragraph (408)), so that these benefits may be totalled separately for entry in the columns provided. In order to arrive at the weekly total of the payments, it will be necessary to total the sub-column of column 12 for that week, showing separate totals for sickness and dis- ablement benefit. A summary for each section of the register should be made, the weekly totals of each page being carried thereto. A grand summary of the sectional totals can then be made, and the respective totals of sick- ness and disablement payments entered in the cash book. Column 13 : — The total sickness benefit for each member paid in the half-year to 30th June. A summary for each section of the register wiU be made of the total of this column on each page ; the total of this summary will be the amoimt to be entered under the appro- priate heading in the Half-yearly Cash Summary and to be posted to the Sickness Benefit Account in the Ledger. Where the Society uses a classified form of cash book 120 and records the weekly payments of sickness benefit in a separate column of the cash book, the grand total of sickness payments from the several sections of the register will, of course, be the same as the total of the cash book column for the period. Column 14 : — The total disablement benefit for each member paid in the half-year to 30th June. A summary for each section of the register will be made of the total of this column on each page ; the total of this summary will be the amount to be entered under the appropriate heading in the Half-yearly Cash Summary and to be posted to the Disablement Benefit Accoimt in the ledger. Where the Society uses a classified form of cash book and records the weekly payments of disablement benefit in a separate column of the cash book, the grand total of dis- ablement payments from the several sections of the register wiU, of course, be the same as the total of the cash book column for the period. Column 15 : — See column 12. The sickness or disablement benefit actually paid in each week of the period beginning 1st July and ending with the old penalty year (see column 16). Two sub-columns have been provided to meet cases where a payment week falls partly in the old penalty year and partly in the new penalty year ; payments relating to the old penalty year should be entered in the last sub-column of column 15, and those relating to the new penalty year in the first sub-column of column 16. The sum of the totals of the two sub-columns wiU be the amount to be entered in the cash book as paid in the week. Column 16 : — See columns 12 and 15. The sickness or disablement benefit actually paid in each week of the new penalty year, beginning on or about 2nd November up to and including 31st December. Where payments relating to the old penalty year are made in the remaining weeks of the year to 31st December, the entries in the sub-columns of column 16 will require to be distinguished in order to prevent error in calculating the periods for which benefit may have been reduced or sus- pended in the new penalty year beginning on or about 2nd November. It is suggested that payments relating to the old penalty year should be distinguished by writing the word " old " over each payment. When a payment relates partly to the old and partly to the new penalty year, the amount proper to each year should be shown separately. 121 Column 17 : — The total sickness benefit for each member paid in the half-year to 31st December (see column 13). Column 18 : — The total disablement benefit for each member paid in the half-year to 31st December (see column 14). Column 19 : — For use in the case of voluntary contributors only : benefits withheld on account of arrears. The particulars for calculating the amotmt to be recovered from benefits should be entered in the " Remarks " column. The amounts withheld wiU be entered in the sub-column of column 19 for the proper half-year either upon the member becoming entitled to receive benefit at the full rate or upon his ceasing to be incapacitated, whichever happens first. The amounts entered in this column must be posted to the appropriate column in the Voluntary Contributors Contribution Regis- ter, and a reference thereto must be entered in the space provided in the column. Column 20 : — The nature of incapacity. This need only be filled in if the Society desires. Column 21 : — Maternity benefit paid in the half-year to the 30th June irrespective of the date of confinement (see paragraph (407) and column 13). Where maternity benefit is paid in respect of the confine- ment of an insured married woman member whose husband is an insured person and a member of the Society, the benefit payable in respect of the husband's insurance will be entered in Section 1 or 4 of the register ; that payable in respect of the wife's insurance, under Section 3 or 6 (see paragraph (409)). Column 22 : — The date of the confinement. Column 23 : — The reference to the payment of the maternity benefit in the cash book. Column 24 : — Maternity benefit paid in the half-year to the 31st Decem- ber irrespective of the date of confinement (see paragraph (407) and columns 13 and 21). Column 25 : — Any notes it may be necessary to make in regard to a claim for which no other column is available (see columns 5 and 6, and 19). 122 (ii) Benefit Docket. (416) Where a member, against whom net penalty arrears are outstanding, becomes incapacitated, a benefit docket should be prepared showing in — Column 1 :-r- The number of net penalty arrears taken from column 2* of the Contribution Register for the year to July 1914 (Column 19 of the Register for the year to July 1915). (If the number of net penalty arrears exceeds 20, it will not be necessary to complete the docket, because the member i& suspended from sickness and disablement benefit for the whole of the penalty year.) Column 2 : — The fuU rat,e of Sickness Benefit when not in arrear taken from column 9 of the Membership Register. If the mem- ber's full rate of disablement benefit is less than 5s. a week (as it may be in the case of aliens and unmarried women under 21 years of age without dependants), the rate should be entered, prefixed by the letter " D," to indicate that it ia the rate of disablement benefit. Column 3 : — The reduced rate of benefit payable (if any) during penalty weeks taken from the appropriate table {see Appendix G, p. 264) ; where the reduced rate of disablement benefit is entered it should be prefixed by the latter "D." Benefit will be reduced or suspended, except in Section 47 cases (as to which see paragraphs (627) to (629)), and in certain compensation cases [see paragraph (420)), for the first six weeks of benefit, or when there is a period entered at (a) on the docket for the excess of six weeks over that period. Space (a) : — The number of weeks and days (if any) for which benefit has already been reduced or suspended- in the penalty year.* Space (b) : — In " continued " benefit cases where disablement benefit is payable for part of the period, the further period in the penalty year for which reduced benefit is payable at the reduced sickness and disablement rates respectively. Space (c) :— The date of beginning of the present period of mcapacity. * In compensation cases where in respect of a previous period of incapacity the maximum amount of penalty has not been suffered {see paragraph (420) (III.)) the amount of penalty actually suffered must be reduced to its equivalent in. weeks in order to be included in the period entered in space (a). The equivalent in weeks will be ascertained by dividing the amount (in pence) recorded at y (ii) on the docket by the amount (in pence) of the weekly loss of benefit which the member would have suffered had he not been entitled to compensation. 123 Space {d) : — The date of ending of the last period of incapacity for which benefit was paid (or was deemed paid), as shown in column 2 of the member's Sickness and Disablement Record Card. If this latter date is within 12 months of the former date at (c), the present incapacity will link up with the previous incapacity (under the provisions of Section 8 (5) of the 1911 Act). Space (e) : — Whether the member is receiving or entitled to receive compensation or damages. ■ Space (/) : — The weekly amount or weekly value of compensation in cases where the member is entitled to compensation or damages. Space (g) : — See paragraph (420) (III.). Space (h) : — Section 47 Oases. — The number of penalty weeks for which benefit is hable to reduction or suspension in the cases dealt with in paragraphs (627) to (629). (417) When once the number of weeks for which benefits are to be reduced or suspended has been exhausted any further sickness or disablement benefit during the remainder of the penalty year is payable at the full rate. (418) The Benefit Docket will have to be produced to the Government Auditors, with the other papers relating to benefit payments, showing the calculation of the benefit payable to the member according to the number of net penalty arrears standing against him. (419) Example. — A man, British subject, No. 69,974, who has six penalty arrears standing against him and whose full rate of sickness benefit is 10s. a week, becomes incapacitated on 5th October 1914, and continues incapacitated tiU March 1915, having within the twelve months previous to this incapacity had 20 weeks continued sickness benefit ; his limit of 26 weeks of sickness benefit will be reached on 15th November 1914. The member wiU therefore get in the penalty year 1914-1915, i.e. November 1914 to October 1915, two weeks of sickness benefit and thereafter disablement benefit, assuming that he is entitled to it. The Benefit Docket will be written up as foUows : — 124 'sas'eo noit^'eBnodnioo m osti xo^ 125 The benefit to which he will be entitled within the penalty year will be as follows : — 2nd November 1914 to 15th November 1914 — Two weeks' sickness benefit at 6s. 6d. per week. 16th November 1914 to 13th December 1914— Pour weeks' disablement benefit at 2s. per week. Thereafter — Disablement benefit at the fuU rate, viz. 5s. per week. Special Note as to Members who are in Receipt of Compensation during a Penalty Year in which Penalty Arrears are standing against them. (420) Where a member is entitled to compensation or damages for an accident or industrial disease in a penalty year for which there are net penalty arrears not exceeding 20 standing against him, and he has not already discharged them by suffering re- duction or suspension of benefit for the full number of penalty weeks for which benefit is liable to reduction or suspension; the ordinary rules as to reducing or suspending benefit wUl not apply, and the following instructions should be observed : — I. Where the weekly amount or the weekly value of the compensation is less than the reduced amount of benefit * to which the member would be entitled if he were not entitled to compensation, the excess only of the reduced benefit over the amount, or the weekly value, of the compensation should be paid to him for the number of penalty weeks for which benefit is stUl liable to reduction {see footnote on next page) in that penalty year. II. Where the weekly amount or the weekly value of the compensation is equal to the reduced amount of benefit * to which the member would be entitled if he were not entitled to compensation, no benefit will be paid for the number of penalty weeks for which the member would only be entitled to reduced benefit if he were not entitled to compensation. III. Where the weekly amount or the weekly value of the compensation is greater than the reduced amount of benefit * to which the member would be entitled if he were not entitled to compensation but is less than the fuU amount of benefit, the case should be dealt with as foUows :■ — (a) Calculate the total amount of benefit * the member would lose on account of his penalty arrears if he were in receipt of reduced * An alteration from the reduced sickness rate to the reduced disablement rate at the end of 26 weeks of " continued " benefit should be borne in miad in making these calculations. 126 benefit or suspended for the number of penalty ■weeks for which benefit is still liable to re- duction or suspension * and were not entitled to compensation, and enter this amount at g (i) on" the docket. (6) Eecord at g (ii) on the docket each week the amount (if any) the member has lost in benefit on account of arrears {i.e. the excess (if any) of the full rate of benefit over the com- pensation paid for the week). (c) As soon as the total of the sums recorded at g (ii) equals the amount entered at g (i) on the docket, the member has suffered the full penalty for his arrears and can, for the remainder of the penalty year, be treated as an ordinary contributor who is not in arrears. IV. Where the weekly amount or the weekly value of the compensation is equal to or more than the full rate of benefit, the member is not suffering any loss of benefit on account of penalty arrears, and the reduction or suspension of benefit on accoimt of his penalty arrears will be given effect to when he makes a claim for sick- ness or disablement benefit in the same penalty year. (iii) Sickness and Disablement Record Card. (421) The Sickness and Disablement Record Card is used as an index to the Benefits Register, the consecutive number in the Benefits Register being entered in column 1 of the Record Card. Column 2 of the card should be completed in order that it may be determined, without reference to the Benefits Register, whether a sickness is to be linked up with the previous sickaess. (iv) General, (422) It is not generally possible to ascertain a member's title to or rate of benefit without reference being made (1) to the Contribution Register to ascertain the member's net penalty arrears, and (2) to the Benefits Register to ascertain whether (and for how long) benefit has been paid at a reduced rate (or suspended) during the current penalty year. No difficulty wiU arise where the benefits are paid at the centre at which the Contribution Register and Benefits Register are kept, but where the benefits are paid by an agent or from some place other than that at which the Registers are kept, Societies must make arrange- ments to ensure that all claims for benefit are referred to the * If in any penalty year a second claim is made by a member who has not already suffered the fuU penalty for his arrears, the reduction or suspension of benefit at I. and IV. wiU be for the period for which he has not abeady suffered penalty, and the amount to be calculated at III. (a) will be the amount of the penalty not yet suffered. 127 centre keeping the Registers, or that the agency or branch at which the benefits are paid is furnished with information showing the number of net penalty arrears of every member, and the exact effect of arrears on benefits, and other particulars necessary to determine the rate of benefit and the period for which benefit is payable. V. MEDICAL AND SANATORIUM BENEFIT, (i) General. (423) Approved Societies are only indirectly concerned in the arrangements for the administration of medical and sanatorium benefits. Primarily the administration of such benefits rests with the Insurance Committee of the area in which the member resides. Societies have, however, certain duties in the matter, and Society secretaries should, moreover, be well acquainted with the general procedure. (424) Medical benefit consists of such treatment as can, consistently with the best interests of the patient, be properly undertaken by a general practitioner of ordinary professional competence and skill. It includes the provision of proper and sufficient medicines, and such medical and surgical appliances as are prescribed by the Regulations of the Commissioners. Sana- torium benefit consists at present of treatment in a sanatorium or other institution, or otherwise, when a member is suffering from tuberculosis. Every member of a Society, except a Navy or Army contributor, is entitled, as soon as he becomes a member, to medical benefit, and to sanatorium benefit if recom- mended for it by the Insurance Committee, subject .only to the exceptions stated in the following paragraphs (425) to (432). (425) The right to medical and sanatorium benefits may lapse owing to the member being in Arrears. This question is fully dealt with in Chapter VI. (426) A member is not entitled to medical benefit when he is resident abroad, in the Channel Islands, the Isle of Man, or in Ireland. (427) Members do not cease to be entitled to medical benefit at the age of 70, provided that, in the case of persons 65 years of age or upwards on entry into insurance, at least 27 contribu- tions have been paid. If less than 27 contributions have been paid, the member ceases to be entitled to medical benefit although stiU eligible for sanatorium benefit. (428) If a member, 65 years of age or upwards on entry into insurance, has paid less than 27 contributions on attaining the age of 70, but has been at least 27 weeks in insurance, it wiU be open to Mm, by the payment of arrears, to bring the number of his contributions up to 27, and thus qualify for medical benefit after attaining the age of 70. A member aged 65 or upwards on becoming insured, who has not been in insurance at least 128 27 weeks, cannot, however, in any circumstances qualify to receive medical benefit after attaining the age of 70. (429) When a member 65 years of age or upwards on entry into insurance attains the age of 70, the Society should examine its records with a view to ascertaining the number of contribu- tions paid. If the number is more than 27, no notification should be sent to the Insurance Committee. If the number is less than 27, Form 111 I.C. should be prepared and forwarded to the Commissioners, who will themselves notify the Insurance Committee concerned. An orange slip (see paragraph (441)) should not therefore be sent to the Committee. (430) A woman member who marries, and thereupon ceases to be employed, and elects to become a Special Married Woman Voluntary Contributor, continues to be entitled to medical benefit, but not to sanatorium benefit. (431) No voluntary contributor whose income exceeds £160 per armum is entitled to medical benefit. The contribution of a voluntary contributor deprived of medical benefit on this ground is reduced by Id. per week (see paragraph (577)). (432) There is no waiting period for medical or sanatorium benefit, and no requirement as to qualifying contributions is laid down, other than that referred to in paragraph (427) above. (ii) Steps to be taken by the Society^ (433) In order that an Insurance Committee may know what persons are entitled to medical and sanatorium benefit, it is essential that the card list known as the " Index Register," which is kept by the Committee, should be up to date. This register is compiled from the notices sent by Societies, as explained in the following paragraphs. (434) As regards members already admitted, Societies should have sent to the appropriate Insurance Committees Index Slips supplied by the Commissioners — white for men and blue for women. (435) As regards new members, particulars (including a note of the quarter during which the new member joined) must be notified on Index Slips immediately the member is admitted. This is of the utmost importance, as failure on the part of a Society to do so will result in delay in the making of arrange- ments for medical benefit. The effective membership of a Society begins on the date from which the Society undertakes to admit the person, and on this date the Index Slip should be forwarded. The membership is not affected by any delay or irregularity which may occur in the return of the contribution card, but will continue until it is ended by transfer or otherwise. In the case of a voluntary contributor, however, the Society should satisfy itself that the contributor has entered insurance by the payment of at least one contribution. In the infrequent cases where the contribution card is handed in to 129 another Society, the Society of which the insured person is actually a member will not be debited with the cost of medical benefit until the contribution card is returned to it. (436) Duplicate Index Slips must not be forwarded to Insur- ance Committees. If a Society receives an application from a Committee for an Index Slip in a case where such a Slip has already been despatched, the Society should refrain from issu- ing a duplicate Slip, and instead should supply information as to the name of the , Committee to which the Slip has already been sent. (437) An Index Slip must be sent whenever a person transfers from another Society or Branch, or from the Deposit Contribu- tors Fund, and the fact that the member was previously in such another Society or Branch, or was a deposit contributor, must be clearly indicated on the back of the Index Slip, thus "Transferred from Society or Branch," or " Formerly D.C." Wherever possible, the member's number in in the old Society or Branch or as a deposit contributor should be given. Similarly in the case of persons who were previously holders of exemption certificates, the Society should indicate the fact on the back of the slip, quoting, if possible, the member's number as an exempt person. Care should be taken to notify the transfer of an insured person from the Deposit Contributors or Exempt Persons Fund, although the formalities connected with the transfer may not actually be completed. (438) As regards changes of address, intimations to Insurance Committees on removal slips do not now require to be transmitted unless where the change involves suspension from benefit, as in the case of removal to Ireland. (439) As regards members who have ceased to be insured, ceased to belong to the Society or Branch (unless they have transferred to some other Society or Branch), or have become suspended from medical and sanatorium benefits, notification should be sent to the appropriate Insurance Committee as described below (paragraph (441)). (440) Suspensions may be due to any of the following causes : — [a) Members falling heavily into arrears. (6) Women members marrying and thereupon, or sub- sequently, ceasing to be employed and elepting not to become Special Married Women Voluntary Contributors ; (c) Members after joining the Society transferring to Class B (Army and Navy) ; {d) Members dying, withdrawing, being expelled, or ceasing to be insured ; (e) Members going alsroad, or to the Channel Islands, or to the Isle of Man ; • (/) Members removing to Ireland. (441) In all these cases, except (/), notification must be 9 130 made on an orange - coloured slip, and the date of death, suspension, etc., where applicable, should be entered in the space provided in the appropriate section on the back of the slip. No notice need be sent when a member transfers to some other Branch or Society. Attention is particularly directed to the footnote on the orange-coloured slip as to the address to be given in certain cases, and as to the necessity for showing the name before marriage in the case of a woman member suspended from medical and sanatorium benefit on marriage. In cases where an orange-coloured slip is necessary for a member who joined after the end of the first quarter, and for whom an Index Slip has not yet been furnished, the Index Slip need not be prepared. The orange-coloured slip in these cases must be endorsed " No Index Slip prepared." (442) In the case of members transferred to Class B, the date when the member joined the Forces should be entered in the space opposite B (i) on the back of the orange slip. If the date of joining is not known, the date of the commence- ment of the first week for which a contribution was paid on the Class B card should be given. (443) In the case of members removing to Ireland (see (/) above), the notice of change of address on the removal slip (see paragraph (438) above) will be sufficient to notify the Committee of the suspension of medical benefit which ensues on removal to Ireland. In these cases, therefore, no orange-coloured slip will be necessary. (444) Where a member previously suspended from medical and sanatorium benefits again becomes entitled to them, a fresh Index Slip should be prepared and transmitted to the Insur- ance Committee for the area in which the member is resident when the suspension terminates. Such slips should be endorsed on the back " Previously suspended from benefit. Reinstated on {date)." A fresh Index Slip will not be necessary in the case of a member who has returned from Ireland to Great Britain. (445) When a member is discharged from the army or navy and again becomes entitled to medical and sanatorium benefits, a new Index Slip should be sent to the Insurance Committee concerned. Such Index Slips should be endorsed on the back with the date of discharge, thus : — " Discharged from the Forces on (date)." In cases where the discharge of a member who is entitled to medical and sanatorium benefits comes to the knowledge of the Society at the same time as they become aware of his enlistment, the orange slip notifying the enlistment should be endorsed " Discharged on (date)." The endorsement should be made in the vacant space under the date of enlistment. In these cases a new Index Slip should not be issued. (446) The following procedure should be adopted in regard to women members who marry : — (a) If the member continues to be employed, the Insur- ance Committee must be informed of the change in 131 name and address. The name before marriage should be given. (6) If the member ceases to be employed on marriage or subsequently, and elects to transfer to Class H, a pink-coloured slip must be prepared. (c) If the member ceases to be employed on marriage, and elects not to become a Special Married Woman Volun- tary Contributor, she is suspended from medical and sanatorium benefit, and an orange-coloured slip should be forwarded. (447) If a member in Class H subsequently becomes employed and transfers to another class, an ordinary Index Slip (blue), endorsed on the back " Previously a member of Class H," must be sent to the Insurance Committee which is in possession of the pink slip, and any change of address which has taken place at the time of the transfer should be noted. (448) It is important that orange slips should be issued with- out delay in respect of members who are treated as having' gone out of insurance (see paragraphs (67) to (79)). The fact that the decision is provisional need not be stated on the slip, and if at the end of the year the member's lapse from insurance is made absolute, no further action on the part of the Society is necessary. The date to be entered on the orange slip is, of course, the date from which the Society decided to treat the member as having gone out of insurance. Should, however, the member return to employment within the meaning of the Acts during the year, a fresh Index Slip (white or blue) should be sent to the Insurance Committee in order that they may reinstate the member on their register. (449) Where a member fails to surrender a contribution card for two consecutive half-years, and the Society is not already aware of the reason, inquiry should be made to ascertain whether the contributor is to be treated as out of insurance. (450) Whenever a member is treated as having gone out of insurance, or is suspended from medical benefit, the date and cause of suspension and the date of issue of the orange sKp should be noted in columns 26 and 27 of the Contribution Register. (451) Special arrangements are in operation for the medical and sanatorium benefits of insured persons who frequently move from place to place in the course of their employment. Persons admitted to these arrangements are supplied by the Commissioners with a special Traveller's (Yellow) Voucher and included in a register kept at the Offices of the Commission. Any change of status of a member to whom a Traveller's (Yellow) Voucher has been issued affecting his position in regard to medical or sanatorium benefit should accordingly be addressed direct to the Commissioners and not to the Insurance Committee. In every case where a Traveller's Voucher is issued the Society 132 concerned is informed, and the fact should be noted in Column 11 of the Membership Register, or in some other convenient place in the records of the Society. (452) Any Index Slips or other slips to be sent to Insurance Committees should be forwarded in weekly batches. The ap- propriate slip in each of the various cases described above can be seen from the following tabular statement : — NOTICES TO BE SENT BY SOCIETIES AND BRANCHES TO INSURANCE COMMITTEES. Nature of Notice. Ceasing to be insured Change of address of member — (a) If removal to another address in Great Britain (b) // removal to Ireland (c) If from one part of Ireland to another (d) If from Ireland to England, Wales, or /Scotland (e) If abroad, or to Channel Islands or Isle of Man . . Death of member Expulsion of member Marriage of woman member — (a) If she continues to be employed (b) (i) If she ceases to be employed on marriage and elects not to become a Married Woman Voluntary Contributor (ii) If she elects to become Married Woman Voluntary Contributor, i.e. transfers to Class HI or 112 (c) If after continuing to be employed on marriage she subsequently ceases to be employed d) If she transfers from Class III or H2 to another class on again becoming employed . . , . New Member — (a) If Soldier, Sailor or Marine in service of Crown (i.e. Class B) *(b) If Married Woman Voluntary Contributor {i.e. Class H1,H2) *(c) Other new members — (i) if man (ii) if woman Keinstatement of member previously suspended from medi- cal and sanatorium benefits Kesignation or withdrawal of member (otherwise than on transfer to another Society or Branch) Seventy years of age — member attaining — (a) If at least 27 contributions have been paid . . (b) If less than 21 contributions have been paid Soldier, Sailor, or Marine, in service of Crown (Class B) — {a) On joining Society (b) On leaving the Army or Navy (c) On joining Armtj or Navy if previously admitted to membership (i.e. on transfer to Class B) Slip to be used. Orange slip. No notice required. Removal slip. Removal slip. No notice required. Orange slip. Orange slip. Orange slip. Removal slip, showing change of name and address. Orange slip, showing also change of name. Pink slip. Orange slip. Blue Index slip, endorsed " Previously a member of Class H." No notice required. • *Pinlc slip. *White slip, showing quarter during wliich member joined. *Blue slip, showing quarter during which member joined. See under "Suspension " below. Orange shp. No notice required. Form 111 I.e. should be for- warded to the Commis- sioners. (These members will continue to be eligible for sanatorium benefit, and it will be necessary there- fore to notify the Insurance Committee in the event of their death.) No notice required. White slip, showing date transfer from Class B . Orange slip. of 133 NOTICES TO BE SENT BY SOCIETIES— coniinuad. Nature of Notice. Suspension o£ member from medical and sanatorium benefits — (a) On account of arrears of contributions (b) On ceasing to be employed after marriage {Women only) (c) On joining Army or Na'.'y .. (d) On going abroad or to Isle of Man, or Channel Isles (e) On removing to Ireland If suspension ends — (a) On removing from Ireland to I'lngland^ Wales, or Scotland . . (b) Other case's — If man If woman Transfers in — (i.e. From another Society or Branch or Deposit Contributors' Fund) Transfers out — (i.e. To another Society or Branch) . . Slip to be used. Orange slip. Orange slip, showing also change of name. Orange slip. Orange .slip, llemoval slip. So notice required. White slip, endorsed " Pre- viously suspended from benefit, reinstated on Blue slip, endorsed " Previous- ly suspended from benefit, reinstated on ." (See " New Members ' and * below.) No notice required. above * If the member has transferred from some other Society or Branch, the slip sent must be endorsed on back " Transferred from Branch of Society." Wherever possible the member's number in the old Society or Branch should also be given. Similarly if the member was previously a deposit contributor or an exempt person, the Index Slip should be endorsed to show the member's number as a deposit contributor or as an exempt person as the case may be. (453) The notification of any changes affecting the Index Register — e.g. suspensions on account of arrears of contributions, deaths, expulsions, etc. — should be sent to the Insurance Com- mittee concerned immediately the necessary facts come to the knowledge of the Society. Attention is specially directed to this matter in view of the serious difficulties which may result from delay in making the requisite notifications. (454) Inquiries from Insurance Committees as to the right of members to medical benefit, or as to their index slips, should be answered as promptly as possible. This is essential in the interests of the members, since delay in replying to the Insurance Committee may result in delay in the provision of medical treatment. (iii) Stejis to be taken by the Member. (455) The new arrangements for obtaining medical benefit came into force on the 12th of January 1914. The pivot of the new system is the Medical Card, which will be a voucher to indicate a member's title to medical benefit. The doctor responsible for his treatment may refuse to give such treatment unless the Medical Card is produced. It is, of course, not necessary that the doctor should ask to see the card, but if he does so, it must be shown. The card will, moreover, serve as an application form for selecting a doctor in cases where the 134 selection has not already been made, whether in the first instance or on permanent or temporary removal. (456) Medical cards were issued by the Insurance Committee to persons who were members of a Society on 11th January 1914, and who had chosen their doctor. Members who have not chosen a doctor may obtain a medical card by applying to the Insurance Committee for their area, on a jorm which can be obtained at all Post Offices. Medical Cards will be issued to new entrants by the Insurance Committees as soon as Index Slips are forwarded by the Society. (457) Full instructions as to the use of the Medical Card in selecting a doctor are printed on the Card itself. There are three parts of the Card, lettered respectively A, B, and C. Part A is for the use of the member when he chooses a doctor iox the first time ; Part B is for use when the member on account of per- manent removal to a new address requires a new doctor ; Part C is to be filled up when the member is temporarily absent from home (i.e. absent for less than three months), and requires treat- ment. A list of panel doctors for any Insurance Committee area can be seen in any Post Office in that area. Whichever part of the Card the member has to fill up, the whole Card wiU be retained by the doctor when it -is presented to him if he accepts the member as a patient. The Card or a new one will be returned to the member shortly afterwards by the Insurance Committee. (458) If a member desires to change his doctor at the end of the year, he must give notice to that effect to the Insurance Committee before 1st December, enclosing his Medical Card. (459) Any complaint by a member or by a Society with regard to medical benefit should be made to the Insurance Committee for the area concerned, addressed to the Clerk to the Committee. (460) If the Medical Card is lost, immediate notice should be given to the Insurance Committee. If any person other than the person to whom the Card is issued uses or attempts to use it for the purpose of obtaining benefit for himself, or if the person to whom it is issued uses it or attempts to use it after he has ceased to be entitled to medical benefit, he is liable to. serious penalties. (461) The following rules of conduct, which must be obeyed by all members in receipt of medical benefit (subject to slight variations in some areas), are reprinted from the Medical Card :— (a) He shall obey the instructions of the practitioner attending him. (6) He shall not conduct himself in a manner which is likely to retard his recovery, (c) He shall not make unreasonable demands upon the professional services of the practitioner attending him. 135 (d) He shall, whenever his condition permits, attend at the surgery or place of residence of the practitioner attending him on such days and at sucFhours as may be appointed by the practitioner. (e) He shall not summon the practitioner to visit him between the hours of — p.m. and — a.m.,* except in cases of serious emergency. (/) He shall, when his condition requires a home visit, give notice to the practitioner, if the circumstances of the case permit, before — a.m.* on the day on which the visit is required, except in cases of accident or emergency. Any complaint by an insured person, which is adjudged by the Committee to be frivolous or vexatious, shall be regarded as a breach of their Rules. Failure to observe the Rules may entail penalties of a fine (not exceeding 10s., or in the case of repeated failure 20s.) or of suspension from benefit for a period not exceeding one year. (462) All applications for sanatorium benefit and all inquiries on the subject should be addressed to the Insurance Committee. VI. MEDICAL TREATMENT DE UNINSURED MEMBERS. (463) The Acts contain special provisions relating to the medical attendance and treatment of a certain class of un- insured members of Societies. (464) These provisions are as follows : — (1) A Society is entitled to make arrangements with In- surance Committees by which medical attendance and treatment can be obtained on the same terms as to remuneration as those for insured members for any members not insured under the Acts who were members of the Society on the 16th December 1911, and were not able to become insured by reason of being permanently disabled. (2) Whether arrangements for the medical attendance of such members are made through the Insurance Com- mittees, or directly by the Society itself, a Society may claim a grant from the Exchequer of 2s. 6d. a year per member towards the cost. Societies desiring to claim this grant should apply to the Commission lor special forms of claim. * The hours fixed by the Insurance Committee for the area will be inserted CO the Medical Card. CHAPTER v.— SPECIAL CLASSES OF MEMBERS. I. ALIENS, (i) General. (465) The expression "alien" means a person who is not a Jritish subject. British subjects are either (a) natural born Jritish subjects or (6) naturalised British subjects, i.e. persons o whom certificates of naturalisation have been granted under he Naturalisation Acts. (466) The term " natural born " British subject includes (a) very person (subject to certain small exceptions) born within he dominions of the British Crown ; and (b) as regards persons >orn before 1st January 1915 (the date on which the British 'Nationality and Status, of AHens Act, 1914, came into force), ivery person born outside the dominions of the Crown whose ather or paternal grandfather was born within the dominions )f the Crown, provided that at the date of such person's birth lis father had not ceased to have the rights of a British subject. As regards the nationality of persons born after 1st January .915 outside the dominions of the Crown, reference may be nade to Section 1 of the last-mentioned Act. (467) In connection with questions of naturalisation, the olio wing points should be observed: — (a) An alien naturalised under the laws of a British Colony only is stUl an alien in the United Kingdom, except in the case where the certificate of naturalisation which he holds has been granted under Section 8 of the British Nationality and Status of Aliens Act, 1914. (6) A woman British subject who marries an alien takes the nationality of her husband. By virtue, however, of Section 20 of the National Insurance Act, 1913, such a woman is not to be regarded as an alien for the purposes of National Health Insurance. (c) The minor children {i.e. children under 21 years of age) of an alien who becomes a naturalised British subject become in general themselves naturalised. (d) A British subject who becomes naturalised in a foreign country becomes an alien, and in general his minor children take their parent's new nationality. 136 137 (e) A person who by reason of his birth in the dominions of the Crown is a natural born British subject, but who also at the date of his birth was, by reason of the laws of some foreign country, a subject of that country, may, on attaining his majority, make a declaration of alienage and cease thereby to be a British subject. A similar course may be adopted by any person who is born outside the dominions of the British Crown of a father who is a British subject. (468) For the purposes of the Insurance Acts certain classes of aliens fall to be treated in the same way as ordinary British subjects. These classes are as follows : — (a) A person under 17 years of age at entry into insurance. (6) A person who (i) on 4th May 1911 was a member of a Society which, or a separate section of which, has become an Approved Society, or amalga- mated with or transferred its engagements . to an Approved Society, or which proves to the satisfaction of the Commissioners that it has organised either solely or jointly with other bodies an Approved Society for the benefit of its members, and (ii) had on 4th May 1911 been resident in the United Kingdom for five years or upwards. Either of these quahfications, (i) and (ii), alone would not be sufficient to entitle the alien to be treated as a British subject. The " test " Society need not, however, be the alien's Approved Society, nor need he have continued to be a member of it until the Act came into force. (c) Any person who is transferred to an Approved Society or to the Deposit Contributors Fund in pursuance of an arrangement with the Government of any foreign state. (d) A woman who has been a British subject before marriage and has ceased to be a British subject by reason of marriage with an alien. This exception was pro- vided for in the 1911 Act only if the husband had died, or the marriage had been dissolved, or the woman had been separated from or deserted by her husband for not less than two years. Under the 1913 Act the treatment is made more generous, and a woman British subject does not lose her rights as such under the Insurance Acts at any time owing to marriage with an alien. Note in this connection that a woman 138 alien by birth becomes a British subject as soon as she marries a British subject, and that her British nationaUty does not cease when the marriage ends. (ii) Contributions of Aliens. (469) The rates of contribution are the same as for the ordinary contributor, either employed or voluntary, and stamping must be done in the usual way and on the usual cards. (470) The Parliamentary penny is payable in respect of the alien employed contributor who is a low- wage earner subject to the ordinary limitations. Apart from this and the special medical grant, no State grants are payable towards meeting the cost of benefits and administration of benefits. (471) No reserve values are credited in respect of aliens, and consequently no part of the contribution is retained by the Commissioners for meeting reserve values. (472) For alien voluntary contributors there is the usual differentiation for entry before 13th October 1913 and entry on or after that date. (iii) Benefits of Aliens. (473) As regards a member of a Society, the Society itself determines what the rates and conditions of sickness, dis- ablement, and maternity benefit shall be. In Table G {page 239) suggestions are made to Societies as to the rates of benefit for the three classes — Employed Contribu- tors, Voluntary Contributors, and Married Women Voluntary Contributors. (474) Table G provides that the three benefits referred to in the preceding paragraph are to become payable at the times and under the conditions expressed in the Rules of the Society for ordinary insured persons, and that in the case of the unmarried minor having no dependants, the sickness and disablement benefits are to be reduced to those of the ordinary unmarried minor if Table G gives him more favourable terms. (475) As regards medical and sanatorium benefits, these are the same as for the ordinary British subject, but no part of the cost of these benefits other than the special Parliamentary grant of 2s. 6d. per person in respect of the cost of medical benefit, made available under the 1913 Act, is payable by the Exchequer in respect of aliens. (476) As regards the cost of administration of medical benefit, this is a matter for agreement between the Society and the Committee. Here again no State grants under the 1911 Act are available, and therefore the Society will have to pay more to the Committee than it would in respect of an ordinary member. 139 II. MARRIED WOMEN, (i) General. (477) In order properly to understand the provisions of Section 44 of the principal Act relating to married women, it is necessary thoroughly to realise the fundamental distinction between women who were not insured persons before their marriage, and women who were insured persons before their marriage. The chief im- portance of this distinction is that women who were not insured before marriage are in no circumstances entitled to become special voluntary contributors, but are in the same position as the ordinary insured person so far as regards the retention of the status of employed contributor during unemployment (see paragraphs (68) and (69)). On the other hand, women who were insured be- fore marriage are entitled, oh ceasing at or after marriage to be employed, to become special voluntary contributors. They are entitled to retain the status of employed contributors only if they can show that they actually continue to be employed persons, i.e. that they in fact are in employment, or that, if unemployed, the unemployment is strictly temporary. (478) It is very important to note a provision applying to all married women without distinction, whether or not they were insured persons before marriage, and whether or not they were married women on the 15th July 1912. This provision is that where any arrears of contributions have accrued due in respect of a married woman during her married life, such arrears shall, on the death of her husband, be disregarded, and she shall thence- forth be entitled to benefits as if such arrears had never accrued. (479) Further, if a woman who was before marriage an insured person, and has been suspended under Section 44 (1 ), is or becomes an employed contributor after her husband's death, the period between her marriage and the expiration of one month from the death of her husband is disregarded for the purpose of reckoning arrears. (480) When a divorce takes place the case is treated as if the husband died at the date of the divorce. Where a woman is actually separated from, or deserted by, her husband, the case is treated as if the husband died two years after the separation or desertion took place. (481) There are two further points of a general character to be borne in mind : — (a) a married woman cannot be an ordinary voluntary contributor during the lifetime of her husband ; (6) a married woman suspended from ordinary benefits is considered to be an " insured person," and a woman who desires to become an ordinary voluntary con- tributor on widowhood is therefore entitled to reckon the period of suspension towards the quali- fying period of 5 years mentioned in Section 1 (3) (6) of the Act of 1911 [see paragraph (570)). 140 (ii) On a Married Woman becoming Insured, (a) Women married before 15th July 1912. ( This does not apply to women who had been married before 15th July 1912, but were widows on that date. Such women are in the same position as unmarried women for the purposes of the Act.) (482) A woman who was married before 15th July 1912 cannot during the lifetime of her husband become a voluntary con- tributor, either special or ordinary. (483) If she becomes insured as an employed contributor either (a) before the death of her husband or (6) within one year after the death of her husband, and becomes a member of an Approved Society, she is entitled, subject to the usual waiting periods, to full benefits, although at the time of so becoming insured she is over 17 years of age. In other words; the provisions of Section 9 (4) of the Act regarding reduced rates of benefit for persons entering into insurance after 12th October 1913 do not apply to a woman employed contributor who was married before the commencement of the Act, unless she enters insur- ance more than a year after the death of her husband. (484) If at any time such a woman ceases to be employed, her position is like that of any other employed contributor. If she gives up her employment because of her domestic duties or in order to take up some other occupation which is not employment within the meaning of the Acts, she should be provisionally regarded as having gone out of insurance, and no benefits will be payable to her. If after a year she is stiU unemployed, she should be treated as having lapsed altogether from insurance. (6) Women who married on or after 15th July 1912. (486) These women are in the same position as insured women who were married before the 15th July 1912 (see paragraplis (482) to (484) above), except that, if they did not enter insurance before 13th October 1913, their sickness benefit is at the reduced rates shown in Table D (jaage 237). (iii) On an Insured Woman Marryin/j. When to Suspend. (486) Section 44 (1) provides that where a woman who has before marriage been an insured person marries, she shall be suspended from receiving the ordinary benefits, but that where a woman who has been employed within the meaning of the Act proves that she continues to be so employed after marriage, she shall not be so suspended so long as she continues to be so employed. (487) When, therefore, an insured woman marries, her Society must at once make up its mind whether she is to be suspended from the ordinary benefits and required to exercise her option 141 as to becoming a Class H contributor or not, or whether she is still to be regarded as an employed contributor. (488) No suspension should take place in consequence of a holiday, or absence from work on account of illness, or merely temporary unemployment if the Society is satisfied that the woman is only out of employment temporarily and is, in fact, seeking employment, and that her normal occupation remains employment ; but unless the Society is so satisfied the woman should be at once suspended. (489) The date of suspension is the date of the woman's marriage or, in the case of a woman continuing in employment after marriage, the date on which she ceases to be entitled to continue as an employed contributor. An insured woman who, by reason of her approaching marriage, ceases to be employed shortly before marriage, remains in insurance as an employed contributor up to the date of her marriage and is then suspended (subject to the conditions explained in the preceding paragraph). (490) It is the duty of an insured woman to notify her Society of her marriage. If she neglects to do so at the time, the Society, on subsequently learning of her marriage, should at once consider the question of her suspension, and unless she satisfies them that she continued to be employed after her marriage she should be suspended as from the date of her marriage {see paragraph (506)). (491) It is important that the woman should have a reasonable opportunity of proving, if she desires to, that she has not ceased to be employed, and with this object the Commissioners have prepared Model Form A.S. 48 (1) (see page 242), which they suggest Societies might send to each of their women members on marriage. (492) On the receipt of this form, properly completed by the member, the Society should determine whether she is entitled to continue as an employed contributor or whether she has ceased to be employed and is to be suspended from the ordinary benefits and allowed to exercise her option of becoming a Class H contributor. If it is decided that the member is entitled to continue as an employed contributor, she should at once be noti- fied to that effect (see Model Form A.S. 48 (2) (page 243)). (493) If the Society is satisfied that the woman is continuing in employment, she should not be suspended so long as she con- tinues to be employed. If, though she continued in employment immediately after marriage, she goes out of employment other- wise than through ill-health, etc. (see paragraph (488) above), a short time afterwards, such as within a year, she should then be suspended at once, unless she can satisfy the Society that her unemployment is temporary. If, however, she has not ceased to work within a year of her marriage, and has thus remained so long in employment as definitely to establish her position as an employed contributor, and then goes out of employment, the Society should determine whether, and if so, at what date, she is to be regarded as having ceased to be an employed contributor 142 exactly as in the case of a male or unmarried woman employed contributor, in accordance with the provisions of Section 79 of the 1911 Act. If, therefore, such a woman (having remained in employment for a year or more after marriage) is afterwards out of work, but claims that her unemployment should be regarded as temporary, she should ordinarily be allowed to remain an employed contributor for a year after leaving her work ; if, however, she prefers to be suspended at once, the Society should suspend her and allow her to exercise her options. If she is not so suspended and remains unemployed for a year, she should at the end of the year be regarded as having ceased to be an employed contributor and should then be suspended, unless the Society is satisfied that. her unemployment is due to inability to obtain employment and is not due to any change in her normal occupation. (494) No question of a person ceasing to be insured as an employed contributor can arise in any case where the cause of the member having ceased work was that she was not in a fit state of health to work. If, therefore, a woman has remained in employment after marriage while in her normal state of health, and satisfies her Society that the only reason for her leaving her work is her state of health (whether due to pregnancy or not), she should be considered to have become only temporarily unemployed, and the question of her ceasing to be entitled to continue in insurance as an employed contributor should not be raised until she ceases work for some reason other than the state of her health. Thus, if a woman insured before marriage is married in January, and continues to work tiU the following August, when she ceases by reason of her approaching con- finement, she should not be suspended until she has recovered from the effects of her confinement and is again in a fit state of health to work. If, however, she had ceased work while in .fact in a fit state of health to work, then, apart from special circum- stances, she would be suspended as from the date on which she ceased to work, even though the Society does not know of the cessation until notice of her approaching confinement is received. (495) When a married woman, who was insured before marriage, first ceases to be an employed contributor (however long after her marriage) she should be suspended from the ordinary benefits, and required to exercise her options. Until a woman is suspended her position as regards insurance remains exactly as if she had not married.* How to Suspend : Exercise of Options. (496) As soon as the Society has decided that a married woman member is not entitled to continue as an employed contributor, * This is, of course, subject to the provisions of the Acts as to maternity bsnefit in the case of married women. 143 and is to be suspended from, the ordinary benefits of the Acts, she must be given an opportunity of deciding whether she will become a Class H contributor or not. She has a right under the Act to be informed by her Society as to the nature of the choice ; and as she has. to make, once and for all, a choice affecting her insurance for many years, it is important that the information given to her should be such as to enable her ta realise exactly what is the choice she is making. (Model Form A.S. 48 (3) {page 243) is designed for this purpose, and Form A.S. 48 (4) (fage 244) is intended for use by the member in notifying the Society of ber decision.) Before sending these forms to a woman the Society should in all cases send Form 171/A.G.D. to the Insurance Commissioners, who will at once advise the Society of the amount available for her benefits if she does not become a Class H contributor. The amount advised should be inserted in the space provided in the Form A.S. 48 (3). (497) The Act provides that, unless the Society otherwise decide, the option must be exercised within a month of marriage, but allows the Society to extend this period, and it is suggested that Societies should avail themselves of this power by giving the woman, in ordinary cases, a clear month in which to exercise her option from the date on which she is notified of her suspension (Form A.S. 48 (3)). If, however, the delay in notifying suspen- sion has been due to a failure on the part of the woman to inform the Society of her marriage, and if, taking all the circumstances into account, the Society consider it would now be unfair to their funds, they may reasonably refuse to allow this extension and may treat her as if she had chosen not to become a Class H contributor. (In this case an altered Form A.S. 48 (3) should be sent with the whole of Part 1 struck out, and Part 2 amended so as to inform the woman definitely that she will draw benefits from the " amount available," or a special letter should be written to that effect.) (498) If the woman has not exercised her option within the time allowed by the Society she must be deemed to have chosen not to become a Class H contributor, and should be treated accordingly ; i.e. she should receive the special married woman's benefits shown on Form A.S. 48 (3), so long as the amount ■ available in her case allows. Her membership of the Society does not cease when that amount is exhausted, and if she becomes employed again she resumes effective insurance without any necessity for readmission to membership. (499) When a woman has once properly exercised her option to become or not to become a Class H contributor she cannot revoke this choice. (If she becomes employed she may have a different choice, viz. whether to remain a Class H contributor or to be an employed contributor {see paragraph (500) and Form A.S. 48 (5) {page 245)). (500) When a woman decides to become a Class H contributor 144 the Society should furnish her with an H card, and should also send a form, similar to Model Form A!S. 48 (5) {page 245), exempt- ing her under Section 44 (8) from being treated as an employed contributor in case she becomes employed, and explaining her position. If a Class H contributor, who has become employed again, prefers to be treated as an employed contributor she can have her exemption cancelled. In that case it would not be possible for her to become a Class H contributor again if she again ceased work (see last paragraph of Form A.S. 48 (5)). Her position as an employed contributor is as stated in paragraph (604) below. (501) In all cases where a woman electa to become a Class H contributor, contributions at the special voluntary rate are payable as from the date of her suspension, even although some time may have^ elapsed since that date before she is notified of her suspension and elects to become a Class H contributor. Unless contributions as a Class H contributor are paid as from the date of suspension, the woman is treated as in arrears. (502) A worn, who has been suspended and has subsequently become an employed contributor is not again suspended on ceasing to be employed, but is in the same position as any other employed contributor who ceases to be employed. Thus a Class H contributor, who on becoming employed has had her certificate cancelled and has become an employed contributor, cannot revert to the position of a Class H contributor on ceasing to be employed. (503) It should benoted that a Class H contributor who becomes employed and is exempt from the liability to become an employed contributor may now continue to use her H card during employ- ment, and that it is only necessary for an E card to be used if she becomes an ordinary employed contributor. (504) When a married woman who has been suspended from the ordinary benefits again becomes an employed contributor (whether she has during suspension been a Class H contributor or not), she has to undergo fresh waiting periods before becoming entitled to an employed contributor's sickness, disablement, and maternity benefits. Until she becomes so entitled, however, she continues to draw benefits as if she had not become employed (as a Class H contributor or from the amount, if any, standing to her credit, as the case may be). After the waiting period of 26 weeks has elapsed, her rate of sickness benefit in respect of contributions at the ordinary employed rate is, in accordance with regulations under Section 44 (1) proviso, to be the same as before her suspension, if she became a Class H contributor ; if she did not, it is at the reduced rate of a late entrant (Table D, page 237). (505) A suspension cannot, of course, in any case be cancelled unless it was improperly made, in which case the woman can be treated as if she had never been suspended. 145 Late Suspensions : Special Action as to Class H Contributors. (506) As stated above, a woman who has not been suspended at the proper time should be at once suspended, when the Society is aware of the facts, as from the proper time {i.e. the date of marriage, or ceasing to be employed), and not from the date on which suspension is notified. She is then given her choice whether to become a Class H contributor or not ; if she decides to become a Class H contributor, back contributions are payable as from the date of suspension, and she is in arrears for any unpaid. ^ (507) This may result in a special difficulty with regard to arrears in/ the case of late suspensions of women who choose to become Class H contributors. If a half-year has ended between the date from which the woman is suspended and the date at which she is notified of her suspension, and if her arrears amounted to more than 26 at the end of the half-year, she would lose her title to benefits (and be unable to re-enter »« a Class H con- tributor during her husband's lifetime) unle^. Jie reduced her arrears to six within six weeks of her choice to 'be a Class H con- tributor {see paragraph (640)). The Society must, therefore, when notifying her of suspension (Eorm A.S. 48 (3)), inform her that if she wishes to become a Class H contributor she must reduce her arrears to six within six weeks of making her choice. She should be informed at the same time of the amount she will have to pay for this purpose. Position on 'Death of Husband.* 1. Women suspended duning Marriage {Glass II. above). (508) At the death of her husband such a woman is in the same position, as regards insurance, as during- his lifetime, except that — {a) Any outstanding arrears which accrued during marriage and within a month after her husband's death are cancelled ; and (6) If she satisfies the ordinary conditions {e.g. of having a regular occupation on which she is mainly dependent) she can, if she so elects within a month, become an ordinary voluntary contributor at the rate of con- tribution appropriate to her age at entry info insurance. (c) She can, if she so elects within a month, become or continue as a Class H contributor, whether or not she becomes employed. * Note —Divorce and Desertion.— A woman whose marriage has been dissolved or annulled, or who has been separated from or deserted by her husband for two years, is treated as if her husband had died at the time of the dissolution of the marriage or at the expiration of two years from the desertion or separation. 146 (509) If she does not choose, within a monl;h of her husband's death, to become either an ordinary voluntary contributor or a Class H contributor she will, if she is not employed, be out of insurance, and if she is employed wUl be insured as an employed contributor, receiving the same rate of benefit as when she originally entered insurance. (510) It is the duty of the Society to inform married women of the above options so that they may be in a position to exercise them within a month of the husband's death. It is important that there should be no delay on the Society's part in performing this duty, as the period of one month for. the exercise of these options is fixed by statute and cannot be extended. 2. Other Married Women. (511) A woman who remains an employed contributor through- out her husband's lifetime, and continues in employment after his death, remains in the same position, as regards insurance, as if he had not died, except that any outstanding arrears which accrued during marriage are cancelled. (512) A woman who was never previously insured but becomes employed within a year of her husband's death is, if she was married before 16th July 191^, entitled to the full rate of benefit as if she had entered before 13th October 1913. If she was married on or after 15th July 1912 (but was not insured before marriage) the rate of benefit is that appropriate to her age at entry into insurance (Table D, page 237). (iv) Suspended Married Women's Register {Form ^OljA.G.D.) {women who have been suspended from orditiary benefits under Section ^4: of the National Insurance Act, 1911). General. (513) The Suspended Married Women's Register is to be used as a supplement to the Membership Register, and an entry will be made in the former whenever a woman is suspended under Section 44 from ordinary benefits on or after marriage. As the Suspended Married Women's Register is only to be used in the case of women who have been so suspended, no entry wiU be made in respect of (1) a woman who continues in insurance as an employed contributor after marriage, unless and until she is suspended on ceasing to be employed ; (2) a woman who was married before she entered into insurance and who cannot therefore be suspended under the provisions of Section 44 of the Act during the lifetime of her husband. In the latter case, if after the death of her husband the woman re-marries and thereupon or subsequently ceases to be an employed contributor, she will be suspended under the provisions of Section 44 of the Act, and an entry in the Suspended Married Women's Register will then be made in respect of her. 147 (514) A separate page should be used for each entry in the Register, and the pages should be numbered serially in manu- script. Each page will contain the particulars of the member's insurance (a) during marriage, (6) during widowhood, and (c) after re-marriage if she then continues to be insured, and until such time as she may be again suspended. (515) If, after re-marriage, she again becomes suspended, the page of the Suspended Married Women's Register will be closed and a new page opened (see paragraphs (524) and (525)). Entries to be made on Suspension from Ordinary Benefits. (516) Membership Register. — The member's married surname should be entered in the Membership Register. The date of suspension and the page of the Suspended Married Women's Register should be inserted in the " Remarks " column. If the member elects to become a special voluntary contributor,, the member's class " H " should be entered in column (3), or if she elects to take credits her class should be deleted from column (3) and the space left blank. - (517) Suspended Married Women's Register. — :The particulars on the first half of the left-hand side of each page, with the exception of " Net Credit (if any) at suspension," will be filled in from the Membership Register. (518) In the case of a woman who elects to become a special voluntary contributor, columns (2) to (7) of line (i) [a) wiU be fiUed up. If at any time she surrenders her exemption certifi- cate obtained under Section 44 (8), the fact should be noted in. the " Remarks " column. (519) In the case of a woman who elects not to become a special voluntary contributor, columns (2), (3), and (4) of Hne (i) (6) will be filled up, and the amount available for Special Benefits will be entered subsequently in the space headed "Married Women's Credits Account " in columns 17 to 19 when the advice note Form 171b/A.G.D. is received from the Com- mission. The payments made to the woman in respect of such benefits will be entered in the space headed " Special Benefits Paid " in columns 20 to 27 from time to time from the Cash Book (see paragraph (520)). Entries to be made if Member re-enters Employment or •goes out of Insurance during Husband's Lifetime. (520) If a woman who has been suspended under Section 44 re-enters insurance as an employed contributor during the life- time of her husband, the words " re-entered as employed con- tributor " and the date should be entered in the " Remarks " column against the entries which will have been made either on line (i) (a) or on line (i) (h), and columns (2) to (8) of line (ii) 148 filled in. In the case of a special voluntary contributor, unless the woman decides to surrender her exemption certificate and to become an employed contributor, it will only be necessary to insert the words "re-entered employment " and the date in the "Remarks" column, fine (i) (a). If a special (married woman) voluntary contributor becomes employed and holds a certi- ficate exempting her from becoming an employed contributor, it will generally be found best to apply the additional contri- butions paid by the employer towards the payment of arrears (if any) or of future contributions. If this method is not adopted, the balance of contributions over the special voluntary rate must be transferred from the Contribution Account and entered in the space in the Suspended Married Women's Register under the heading " Exempt Married Women Voluntary Con- tributors' Account " (Credit side) in columns 14 to 16. Any payments for the benefit of the member made out of this account will be entered from the Cash Book in the same space in columns 10 to 13 (Debit side). (521) The Membership Register will also be altered if necessary, any new class being entered in column 3. (522) If the member subsequently ceases to be insured as an employed contributor, the entries made on line (ii) should be ruled through and the date of ceasing to be insured entered in the " Remarks " column. Provision is made for re-entry into insurance as an employed contributor during the husband's life- time on three occasions ; if these spaces are not sufficient a fresh page should be opened. If a member ceases to be insured as a special voluntary con- tributor during the lifetime of her husband, and does not become an employed contributor, the cessation of insurance and the date should be entered in the "Remarks " column on line (i) (a). Entries to be made after Death of Husband. (623) The date of the husband's death is to be entered in column (2) of line (iii). The position of a woman after the death of her husband is explained in paragraphs (508) to (510), and according to her position the appropriate entry must be made in space (iv). Entries to be made on Re-marriage. (524) On re-marriage the member's new surname should be entered in the Membership Register and the Suspended Married Women's Register, and if the member is suspended on a second occasion (on or after re-marriage), the page previously opened in respect of her in the Suspended Married Women's Register wiU be closed and a fresh page opened. Reference to the new page should be made in the Membership Register and also in the space provided for the purpose at the top of the right-hand 149 side of the page of the Suspended Married Women's Register which is being closed. Any balance standing to the credit of the member either in the " Married Women's Credits Account " or in the " Exempt Married Women Voluntary Contributors' Account " will be transfered to the new page. (525) Similar entries to those described in paragraphs (516) to (519) above should be made in the new page of the Suspended Married Women's Register. Removal from Register. (526) Where the name of the member is removed from the Membership Register, similar entries wiU be made in the Sus- pended Married Women's Register in the space provided. (527) Any balance remaining to the credit of a member in the Married Women's Credits Account or in the Exempt Married Women Voluntary Contributors' Account, either upon her transfer to another Society or Branch or upon her death, should be transferred from such Account to the Benefit Fund Account. In the case of transfer the proper amount to be paid to the Society or Branch to which the member is transferred will be included in the Transfer Value. Ledger Accounts. (528) The spaces provided in the Suspended Married Women's Register headed '"' Married Women's Credits Account " show in columns 17 to 19 the gross amount available for her, and in columns 20 to 27 the payments made to her from time to time. It is also necessary to keep in the main ledger of the Society or Branch a Totals Account to show the aggregates of the credits and debits recorded against the individual married women as follows : — Married Women's Credits Account. Dr. — Payments in respect of Benefits. To Cash Account for the Benefits paid out of this Account. To Benefit Fund Account for balances of members removed from Membership Register. Cr. — Amount available for Benefits. By Benefit Fund Account for amount available (as advised on Form 171B/A.G.D.). Societies which have both British and alien married women members suspended must subdivide the Totals Account between (a) British subjects and (6) aliens. To facilitate the subdivision of the account the word " alien " should be noted prominently on the page of the register relating to an alien member. 150 (529) The credit side of the Totals Account wiU be written up from the Summary of the Advices on Form 171b/A.G.D., the corresponding debit being to Benefit Fund Account. (The amounts credited to the Totals Account and also entered in detail in columns 17 to 19 under the spaces headed " Married Women's Credits Account," as advised on Form 171b/A.G.D., are the gross amounts (including State Grant) which can be paid to the individual members. No separate entry will there- fore be made in respect of State Grant either in the Totals Account or in the individual record of each woman. The amount of State Grant (if any) to be credited to the Society in respect of payments out of Married Women's Credits Account will be calculated from the total of such payments shown on the Cash Summary, and, when advised to the Society in due course, wiU be credited direct to Benefit Fund Account.) (530) The debit side of the Totals Account wiU be written up— (i) As regards benefits paid, from the Cash Book in detail, or it may be written up in total half-yearly from an analysis of the Cash Book, or in the case of Branches from the Branch Cash Summary. (ii) As regards balances transferred to Benefit Fund Account, from a schedule of the individual balances transfer- able compiled from the Suspended Married Women's Register. (531) In the case of Societies which do. not adopt the method suggested in paragraph (520) above for dealing with the balance of contributions over the special voluntary rate, the " Exempt Married Women Voluntary Contributors' Account " will be dealt with in a similar manner, except that it need not be subdivided between British subjects and aliens, a Totals Account being also necessary in the main ledger. No State Grant is payable on the amounts applied for a member's benefit out of this account. (532) In the case of an International Society (without Regis- tered Branches) and in the case of a Branch which has obtained permission to recruit members in more than one country, the payments will require to be subdivided to show the benefits paid in each part of the United Kingdom for which the Society is approved, or in the case of a Branch, in each part of the United Kingdom in which the Branch has permission to xecruit members. (533) In the case of an International Society (without Regis- tered Branches) which is not to be valued as a whole, and in the case of a Branch which has obtained permission to recruit in more than one country, a separate Totals Account must be kept for each part of the United Kingdom for which the Society or Branch is to be valued separately. 161 III. MERCANTILE MARINE MEMBERS, (i) General. (534) A person (whether a British subject or an alien) employed in the mercantile marine or on a fishing vessel can only become insured if he is either " domiciled " or has a place of residence in the United Kingdom. The domicile of a person is, in general, the place or country which is in fact his permanent home, whether he is for the time being resident there or not ; but in man^ cases it is necessary to have recourse to certain rules of law for the purpose of ascertaining where the domicile must be deemed to be. The Commissioners will supply further information if difficulties arise in a particular case. (535) The rates of contribution and the benefits for insured seamen and fishermen depend on whether they are engaged on " home-trade " ships or on " foreign-going " ships. The term " home-trade " ships includes every ship employed in trading or going within the following limits, viz. the coasts of the United Kingdom, Channel Islands, and Isle of Man, and the continent of Europe between the River Elbe and Brest in- clusive. The term " foreign-going " ships includes every ship employed in trading or going between some place or places in the United Kingdom, and some place or places beyond the limits applicable to " home-trade " ships. Pishing vessels pro- ceeding to or beyond Rockall, the Faroe Islands, Iceland, the White Sea, and the coasts of Portugal and Morocco are " foreign- going " ships. (536) The Seamen's National Insurance Society provides pensions for seamen with long sea service. It is expressly provided by the Act that, where a mercantile marine employee was on 15th July 1912 a member of some Society which has become an Approved Society, arrangements may be made "between that Society and the Seamen's National Insurance Society enabling such a member to join the Seamen's National Insurance Society for the purposes of pension only, while retaining his membership of the first Society so far as contribu- tions and benefits under the Act are concerned. Societies wishing to avail themselves of this provision may communicate with the Seamen's National Insurance Society, 80 Leman Street, London, E. (ii) Contributions. (a) Employment on Home-trade Ships (Classes Al, A2, El, E2). (537) If the ship is engaged in the home-trade, the member is an ordinary employed contributor, using the A or E card, and the same contributions are paid as in the case of employment on shore. The one special feature as regards the contributions is that the Irish rate applies only in the case of a seaman who has a permanent place of residence in Ireland and is not a member of 152 the Seamen's National Insurance Society. A seaman whose permanent place of residence is in Great Britain must invariably be stamped for at the British rate, even though he is employed by Irish shipowners and is paid his wages in Ireland. (6) Employment on Foreign-going Ships (Classes A4, A5, E4, E6) . (538) Insured persons employed on foreign-going ships (includ- ing ships engaged in regular trade on foreign stations) use AM or EM cards, which are not issued by Approved Societies but by shipowners, and which are not made out for the ordinary half- year of the A or E card, but cover the period of the voyage and so come into the Societies at irregular intervals. (539) The normal weekly contributions (British rates) are 6d. for men and 5d. for women ; the employer's share being in each case 2d., while 4d. or 3d., as the case may be, is deducted from the employee's wages. The Irish foreign-going rate§ are 5d. for men and 4d. for women, the employer's share being in each case 2d., while 3d. or 2d., as the case may be, is deducted from the employee's wages. The Irish rates are only payable in respect of seamen with a permanent place of residence in Ireland who are not members of the Seamen's National Insxu"- ance Society. For purposes of determining the number of contributions payable in any calendar year, and for calculating arrears, every four full contributions paid in respect of employ- ment on foreign-going ships are to be treated as five. The calendar year means the year from the 1st January to the 31st December, and therefore when 42 fuU contributions have been paid on AM or EM cards in respect of employment from the 1st January, the employee is not required to pay anything more until after the 31st December. Nevertheless the employer must continue to pay 2d. for every week of employment, and AM cards for continuous foreign service from 1st January to 31st December should show 42 stamps at 6d. and 10 at 2d. It is particularly to be observed that a 2d. stamp can never be a correct contribution until after the middle of October in any year. (540) It sometimes happens that within a calendar year a member ceases to be employed on a foreign-going vessel and becomes employed in home-trade or on shore. In these circum- stances an A or E card, or one or more Y cards, will be returned to the Society as weU as the AM or EM cards. A man who has been employed partly on shore and partly in foreign-going ships will be exempt from further deductions before the end of the calendar year, provided he has paid such a number of foreign- going contributions as when multiplied by five-fourths and added to the number of contributions paid by him on shore or in home- trade ships will give a total of 52. For instance, if a man has been employed for the first ten weeks of the year on shore or in the home-trade, he has 10 contributions to his credit ; if he is then employed continuously on foreign-going ships for 34 weeks, 153 the 34 contributions paid by him whilst so serving will count as- 42, which, added to the 10 previously paid in respect of him, will give him a total of 52, and only the employer's share of the contribution wiU therefore be payable for the last 8 weeks of that calendar year. (iii) Benefits. (a) Employment on Home-trade Ships. (541) As regards benefits, the member employed on a home- trade ship differs from the ordinary employed contributor in that he is not entitled to sickness or "disablement benefits for periods during which the owner of the ship is liable for his maintenance and medical attendance. But if the member has dependants, and the owner, though liable for his maintenance and medical attendance, is not liable to pay wages to him, the Society may pay the sickness benefit in whole or part to the dependants, or apply it for their relief or maintenance in such manner as the Society (after consultation wherever possible with the member) thinks fit. (542) Whether the member has or has not dependants, th& whole period of incapacity during which the owner has main- tained him is to be treated as if he had been in receipt of sickness benefit, for the purpose of calculating the rate and duration of sickness benefit {see footnote to paragraph (545)). (6) Employment on Foreign-going Ships. (543) The owner of the ship is liable to maintain the seaman if he falls sick while on the high seas or in a foreign port, and no sickness or disablement benefit is payable by the Society when the owner is liable to maintain the member.* The owner's liability ceases, however, as soon as the member has been landed at a proper return port, and the Society accordingly commences to pay benefit imniediately on the expiry of the period of the employer's liability, and continues to pay sickness benefit up to- the expiry of twenty-six weeks from the actual commencement of the incapacity. (544) Sickness benefit is thus deemed to have been paid, although not actually payable, in respect of the period during which the member has been so maintained by the owner. This is important for two reasons, in that — (1) sickness benefit stops when it has been paid for 26 weeks ; (2) two periods of sickness occurring within 12 months of each other are reckoned as one Ulness. * The provision explained in paragraph (541) above, regarding payment to- dependants when the owner is not liable to pay wages, applies onlj' to home-trade,. NOT to foreign-going vessels. 154 Thus, if the owner has maintained the member for 3 weeks of incapacity, the Society is only liable to pay sickness benefit for 23 weeks. (545) For the purpose of the preceding paragraph it is impera- tive that the member, when claiming sickness benefit, should be required to inform the Society of any iUness from which he has suffered from 13th January 1913 onwards, for which provision has been made by the owner of his ship, giving the dates of commencement and termination of each such illness. This statement will be subject to verification by the Society from the official log of the ship,* and if it is proved that the member has made any wilful and material mis-statement or omission, the offence may be punished in accordance with the Society's Rules and also under Section 69 of the Act. IV. NAVY AND ARMY MEMBERS. (546) While in the Navy or Army, members pay a weekly contribution of 3d. Army members pay on B cards (see. however. Supplement, page 284) ; Navy members do not have cards at aU, their contributions being credited in the manner explained in the Appendix to Circular A.S. 72c. As regards benefit, they are entitled to maternity benefit only, the ordinary maternity benefit in their case being payable even if both husband and wife are abroad at the time of the confinement. (547) Where a soldier's wife is confined in the C!olonies or in India the War Office or India Office, as the case may be, will pay the benefit as agents of the Society, and the adjustment will afterwards be made by the Commissioners, who wiU transmit the vouchers in support of the payment to the Society. (548) Two classes of soldiers, viz. :■ — (a) those who have enlisted in the " Dock Battalions " at Liverpool, and (6) those who have been, or may in future be, sent back by the army authorities to work in engineering and other manufactories, are, whilst in civil employment, treated for the purposes of the National Insurance Acts as ordinary employed contributors. Contri- butions are paid in respect of them at the ordinary employed rate, and they are entitled to aU the ordinary benefits provided by the Acts. In the case of men in the " Dock Battahons " no particular difficulty arises, as they are continuously insured as ordinary employed contributors. In the case of the second class of persons, if the Society has, as will ordinarily be the case, already issued an orange shp, a fresh slip should be sent to the appropriate Insurance Committee, reinstating the member as from the first date for which contributions at the employed rate are payable in respect of him. If at a later date any such member should again leave civil employment and return * The Seamen's Registry, Tower Hill, London, E.G., will supply extracts from the log of any ship on payment of a shilling for each extract, if the name and registered number of the ship and the dates of the voyage are given. 155 to service with the Forces, he will of course revert to the status of a Class B member. For the purpose of calculation of arrears, the member should be treated as having been discharged when he enters civil employment and as having enlisted when he returns to service with the Forces [see paragraphs (633) and (634)). (549) Members after leaving the Navy or Army are treated, subject to the provisions of Section 79, as employed contributors {unless, being qualified, they become voluntary contributors), and aU their previous insurance is taken into account. Accord- ingly, their right to the ordinary benefits revives on their dis- charge. In the case of a seaman or marine, the date of discharge is entered on the Form S. 1034, or other alternative form, issued by the Admiralty. The date of discharge of a soldier is entered on his B card (see, however. Supplement, page 284). In the a,bsence of other satisfactory evidence, the Society should arrange for the inspection of the member's parchment discharge certifi- cate, or call upon him to produce an extract therefrom certified by a responsible witness, but on no account should the member be asked to allow the discharge certificate to leave his possession. (550) Where a discharged seaman, marine, or soldier joins an Approved Society within three months of his discharge (six months if discharged abroad), application for his transfer should be made in the manner explained in paragraphs (130) to (134). The Society is liable for benefits from the date on which the member joins. If the man joins a Society after the expira- tion of three months from the date of discharge (six months in the case of men discharged abroad) he will ordinarily have become a deposit contributor, and his transfer should be claimed accordingly (see paragraphs (107) to (123)). The case of men admitted to the Navy and Army Fund after discharge who subsequently join societies is dealt with in paragraph (135). (551) The National Insurance (Part I. Amendment) Act, 1915, provides that where a discharged seaman, marine, or soldier is awarded a Navy or Army pension on account of total disablement suffered in consequence of the war, the rate of sickness benefit payable shall be reduced by 5s. a week and no disablement benefit shall be payable. Until the Society receives information of the award of the pension, however, either from the Commission or from the member, the fuU rate of benefit must be paid, the extra 5s. being regarded as an advance and afterwards recovered in the manner indicated in paragraphs (241) to (245). (552) Where a member is notified as being in receipt of a total disablement pension, the Society may regard him as continuing in insurance, although he is not at work, and although he has not furnished any specific evidence to the Society that he is in- capable of work, and the Society should, therefore, treat him as entitled to medical * and sanatorium benefits and as not in- curring arrears after discharge. * Except in Ireland. 156 (553) The way to deal with the cases of members who are in arrears when they join or are discharged from the Navy or Army is explained in Chapter VI. {page 181). V. MEMBERS UNDER SECTION 47. (i) General. (554) Employers who adopt the provisions of Section 47 undertake to pay their employees full wages during the first six weeks of sickness. The Act requires that employers shall give notice to the Commissioners of their desire to adopt these provisions. (555) The majority of persons to whom Section 47 applies are engaged in certain occupations defined in special orders, of which the commonest are clerks, shop assistants, warehousemen, teachers, farm and domestic servants. (556) An employer who has undertaken this Hability is re- quired to give an Approved Society, on demand, information as to the illness of any of his employees to whom Section 47 applies and who are members of that Society. (ii) Contributions. (557) The normal weekly contribution of such persons is 5d. for men and 4|^d. for women. The employer ordinarily pays 2d. a week for men and 2Jd. for women ; the employee 3d. if a man, 2d. if a woman. (558) Where the procedure described in paragraph (564) is followed, a Society may generally accept as a matter of course contributions at the reduced rate as whole contributions and need not, unless it so desires, insist on obtaining from the member a notification that he has entered an employment subject to the provisions of Section 47. A Society is, however, at liberty, if it thinks fit, to make such inquiries of its members as wiU satisfy it that the reduced contributions are properly payable in respect of them, and if in any case there appears reason to doubt that the reduced contributions are being paid correctly, the facts should be reported to the Commissioners with full particulars, in order that the matter may be investigated. (iii) Benefits. ^(559) Although sickness benefit is not payable by the Society for the first six weeks of sickness, the Act provides that the benefit is to be deemed to have been paid for six weeks before the date on which it actually commences. Sickness benefit accord- ingly commences in ordinary circumstances at the beginning of the seventh week: of sickness (not on the fourth day of that seventh week) and continues for twenty weeks from the first day for which sickness benefit is paid, i.e. it ordinarily 157 terminates at the end of the twenty-sixth week of actual incapacity. (560) As regards the precise periods for which the employer is liable, it may be generally stated that members under Section 47, if engaged by their employer for a term of less than six months certain, cannot claim sickness benefit from their Society until they have been ill for six weeks in all in any period of 12 months. They then receive their ordinary sickness benefit and may continue to receive it for 20 weeks, when the benefit stops, even though they are still ill. If engaged for a term of not less than six months certain, they are not entitled to benefit until they have been ill for six weeks in succession, unless their em- ployment terminates during an illness which has been going on for less than six weeks, in which case benefit becomes payable on the termination of the employment. They then receive ordinary sickness benefit, and may continue to receive it up to the expiration of 20 weeks from the date of commencement of sickness benefit. Form A.S. 53 will assist Societies in obtain- ing the information on which the date from which benefit is payable must depend. The liability of the employer to pay six weeks' full wages begins from the date on which he sends the prescribed notice to the Commissioners. (561) Benefits whiU in the Employment concerned.- — Members of this class receive benefits at the rate to which they would be entitled if Section 47 of the Act did not apply to them, e.g. a member of the class who is an A 1 member entering into insur- ance after the 12th October 1913, when 17 years of age or up- wards, gets sickness benefit at the rate shown in Table D, not at the full 10s. rate. These benefits are, however, specially modified as follows : — (1) Sickness benefit is not payable for the period * during which the employer is liable to pay full remuneration. Other benefits — e.g. maternity benefit — are of course pay- able during this period. (2) If an illness continues for a longer period, sickness benefit wiU then become payable by the Society. (3) For the purpose of calculating the rate and duration of sickness benefit, the benefit wiU be deemed to have been paid for six weeks before the date as from which it becomes actually payable . The rule as to the fourth day of sickness does not apply in this case. Sickness benefit becomes payable by the Society as soon as * The period is normally six weeks. (1) If the workman's engagement is for less than six months certam, the employer is only liable for six weeks in aU, in any period of twelve months, but if the workman was iU when he left his employment, the liability continues until the six weeks are completed. ^ . ., , (2) If the engagement is for not less than sjx months certam, the employer is Uable for all sicknesses of less than six weeks, and for the first six weeks of any longer illness, but his liability ceases when the workman leaves his service. 158 the employer's six weeks have run out, or, in the circumstances indicated in the preceding paragraph, on the termination of the employment. (4) In the case of persons who fall under Section 53, two- thirds remuneration is payable for the first three months of illness in any year, and during that period no sickness benefit is payable by the Society, but when the three months have expired sickness benefit becomes payable as in ordinary Section 47 cases ; i.e. sickness benefit is deemed to have been paid for six (not thirteen) weeks, and may therefore continue for 20 weeks if the member is incapacitated for so long. (562) As regards a member insured under the Section who changes his employment : — (1) If he changes to an employment in which the new employer is authorised to adopt the arrangements of Section 47, the new employer wiU be liable to pay fuU remuneration during disease or disablement without taking account of any previous illnesses of the person employed. (2) If he enters the service of an employer who has not adopted Section 47, but pays contributions at the full rate, he will, from the date on which he enters the employment of the new employer, be ordinarily entitled to sickness benefit commencing on the fourth day after the commencement of any illness (subject to the provisions explained in paragraphs (280) to (290) above, relating to the reckoning of successive periods of sickness as if they were con- tinuous). If he had been engaged for less than six months certain, and was ill at the time of changing his employment, he would not be entitled to sickness benefit until his former employer's liability was completely discharged (see (!) of the footnote on page 157). (563) As regards members insured under the Section who become temporarily unemployed : — (1) Where a person to whom the provisions of Section 47 apply becomes temporarily unemployed, he wUl not be entitled to sickness benefit in respect of the first * six weeks of any period of disease or disablement commencing after he ceased to be employed. If he continues to pay contributions during the period of * For the purpose of determining what period of disease or disablement should be reckoned towards making up the six weeks during which the insured person is not entitled to sickness benefit, a disease or disablement will not be treated as a continuation of a previous disease or disablement unless the medical practitioner attending the person certifies that it in fact is so. 159 such unemployment, the contributions are payable at the reduced rate. (2) If the terms of his engagement were for not less than six months certain, and he was iU at the time of leaving the employment, sickness benefit becomes payable to him, even if he has not received full remuneration from his employer for six successive weeks of sickness, as from the time that he becomes unemployed, and will continue to be payable for twenty weeks if he is ill for so long a time. (564) A Society must not, without special inquiry, pass any claim for sickness benefit by a member in respect of whom the reduced contributions authorised by the Section have been paid at any time during the twelve months preceding the claim. (1) If before the claim is made the payment of contribu- tions at the reduced rate has been discontinued, the Society must satisfy itself that the member has changed his employment or else that the employer has given due notice of withdrawal from his under- taking under the Section. (2) If, on the other hand, the member remains subject to the provisions of the Section at the time of making the claim, the Society must obtain the requisite particulars on Form A.S. 53. (665) As regards members insured under the Section who cease to be employed within the meaning of the Acts but are entitled to become voluntary contributors paying contributions at the employed rate : — Where a person to whom the provisions of the Section apply ceases to be an employed contributor and is entitled to become a voluntary contributor paying contributions at the employed rate, he {a) may continue to pay contributions at the reduced rate, in which case he will not be entitled to sickness benefit in respect of the first * six weeks of any disease or disablement commencing after he becomes a voluntary contributor, or (b) may pay contributions at the full rate, in which case he will become an ordinary voluntary con- tributor after paying 26 weekly contributions (or, if his Society consents, after paying some lesser number of contributions) at the fuU rate. Until the required number of contributions are paid, the member-is treated as in (a) above. (It will be a matter for Societies to decide for themselves whether they will be undertaking too * See footnote, page 158. 160 serious a risk by allowing a member after the payment of fewer than 26 contributions at the full rate to be qualified to receive sickness benefit from the fourth day of incapacity.) (566) No special provision is made for the case of the person insured under Section 47 who permanently ceases to be ■employed within the meaning of the Act, but is entitled to continue in insurance as an employed contributor, as, for ex- ample, a person who has contracted a disease or disablement which wiU incapacitate him for life. It follows that if such a person desires to pay contributions with the object, say, of qualifying for disablement benefit, he wiU have to pay at the full rate. (567) When framing schemes for additional or alternative benefits under the Act, Societies should have due regard to the position of members paying reduced contributions under Section 47. It may be pointed out that the payment of contributions under Section 47 will prevent any substantial contributions being made by an insured person to a pension scheme or to a scheme for any other additional benefits under Section 13. The provisions of the Section do not interfere with any arrangement a Society may make for paying from its non- State funds sick benefit to persons in receipt of full remuneration during disease or disablement under the Section. (568) By the rule inserted in Model Rules which states that : — " Parts I. and III. of the National Insurance Act, 1911, and the National Insurance Act, 1913, and the Schedules thereto and all Regiilations, Orders, and Special Orders lawfully made thereunder, herein collectively referred to as ' the Act,' shall be deemed to be incorporated in these rules," the Society must regard all the provisions of the Section and the Special Orders made under it as incorporated in its Rules. VI. VOLUNTARY CONTRIBUTORS. (i) Eligibility for Voluntary Insurance. (569) Only certain persons can become voluntary contrib- utors, and it is the duty of Approved Societies, before admitting persons to membership as voluntary contributors, to satisfy themselves that the applicants are really entitled to become voluntary contributors. (570) A person is not ordinarily ehgible to become a voluntary contributor unless he possesses the following qualifications : — (a) He must be between the ages of 16 and 70. 161 (6) He must not be employed within the meaning of the Acts. (c) He must be engaged in some regular occupation on which he is wholly or mainly dependent. A person cannot be considered as " mainly dependent " on his earnings unless more than half of his income is earned. (d) His income from all sources must not be greater than £ 1 60 per annum. It should be noted that income which is not earned from the occupation must be taken into account for this purpose. There are two further classes of persons who are qualified to be insured as voluntary contributors : — (1) Persons who, being of the age of 60 or upwards, cease to be insurable as employed contributors and desire to remain in insurance (subject to condition (d) above). (2) Persons who have been insured for a period of five years or upwards. (571) Among the kinds of persons who may be voluntary contributors may be mentioned : — A. Persons not employed under contract of service, e.g. : — Shopkeepers ; Dressmakers working at home ; Small tradesmen ; Teachers \ Tutors > working independently ; Nurses J Farmers ; Market gardeners ; Persons who let lodgings. B. Persons excluded under Schedule I., Part II., absolutely, e.g. :— (1) Agents not paid by salary and not mainly dependent on one employer. (Paragraph (e) of the Schedule.) (2) Casual employees not employed for trade or business of employer. (Paragraph (h) of the Schedule.) (3) Teachers under "the Elementary School Teachers' Superannuation Act, 1898. (Paragraph (d) of the Schedule.) C. Persons excluded by any Order or Certificate which has been issued under Schedule I., Part II., e.g. : — Established employees of the Crown, and employees of certain Local or Public Authorities, or of certain E.ail\Yay Companies. (572) In regard to alien voluntary contributors, the provisions of Section 45 shoTild be carefully kept in view (see Section I. of this Chapter). 162 (ii) Contributions. (573) Four cases of voluntary contributors should be noticed : — (a) Entry into voluntary insurance before 13th October 1913. (1) Under 45 at date of entry . . Flat Rate. ^ (2) 45 or over at date of entry . . Special Rates. (For which see Table A, Appendix C, page 235.) (6) Entry on or after 13th October 1913. All ages Special Rates. (Given in Table B, Appendix C, page 236.) (c) If the voluntary contributor has been an employed con- tributor for five years or more, then the rate continues to be the employed rate already payable, whatever the age at entry into voluntary insurance. [d) If a person becomes a voluntary contributor in virtue of being sixty years of age or upwards, and having ceased to be insurable as an employed contributor, then the rate continues to be the employed rate already payable. (574) Contributions are not payable after 70 years of age. (575) A widow suspended under Section 44 during marriage, who was an insured person before marriage, and becomes a voluntary contributor (as a member of an Approved Society) within one month after her husband's death (see paragraph (508)) , pays at a rate corresponding not to her age at the date of so becoming a voluntary contributor, but to her age at the date of her original entry into insurance. (ui) Benefits. (576) The benefits for voluntary contributors are generally the same as for employed contributors who entered into insur- ance prior to 13th October 1913, and the State pays |ths (or I) of the cost of benefits. The following points in regard to these benefits should, however, be noted : — (a) The reduction of sickness benefit for unmarried minors applies. The provision authorising modification by the Society if sickness or disablement benefit exceeds two-thirds the wages or remuneration also applies. (6) The waiting period for maternity benefit is 52 weeks, and 52 contributions must have been paid ; instead of 26 weeks and 26 contributions, as for the employed person. (c) Arrears accrued in the first year of the Act do count against the voluntary contributor {see Chapter VI.). (577) Medical Benefit. — If a voluntary contributor's income from all sources exceeds £160 a year, he will not be entitled to medical benefit. As he will be getting less benefits from the State Scheme, his rate of weekly contribution, whatever it 163 may be, is reduced by one penny. As no person whose income from all sources is over £160 a year can be a voluntary contributor unless he has been in insurance for five years, the effect of this provision cannot be felt before 15th July 1917. (578) Transfers from the voluntary to the employed rate and vice versa are dealt with in paragraphs (195) and (196). In cases where notice of transfer is given in the form set out in paragraph ( 195), the member is treated as a late entrant, i.e. sickness benefit is reduced to the rate appropriate to an age of entry into em- ployed insurance the same as his age at the time of change {see Section 6 (2) and Section 9 (4) of the 191 1 Act). There may, how- ever, be an addition made to the sickness benefit representing the value of the contributions paid up to the date of becoming an employed contributor. (iv) Application of Section 47. (579) This section applies only to voluntary contributors who have already been employed contributors under its provisions and are entitled to be voluntary contributors at the employed rate. (a) If the contributor under Section 47 so transferred is en- titled to be a voluntary contributor at the employed rate, then the reduced rate of contribution continues to apply. He thus ordinarily pays 5d. instead of 7d. (4|d. instead of 6d. in the case of a woman). (6) Sickness benefit is not payable in respect of the first six weeks of any illness commencing after he becomes a voluntary contributor, but is deemed to be paid for the purpose of calculating the rate and duration thereof. (c) The Society must ascertain whether the illness is, in point of fact, a continuation of a previous one or not, as a disease or disablement is not to be treated as a continuation of a previous one unless the medical practitioner attending the contributor certifies that it is so. [d) If a person transferred under these circumstances wishes to become an ordinary voluntary contributor, i.e. to get clear of Section 47, he may do so after 26 weeks' payment of the fuU rate appropriate to his case. If he is a member of a Society, the Society may, in its discretion, accept less than 26 payments (see paragraph (565)). CHAPTER VI.— ARREARS. (580) The provisions for the calculation and payment of arrears, and for the reduction in benefits to be made on account of arrears, differ in respect of the various classes of insured persons. Each class is specially dealt with in the succeeding sections, but there is one rule which has a general appUcation, i.e. that for the purposes of the Arrears Regulations any person who definitely ceases to be an insured person, and subsequently re-enters iato insurance, must be treated as if on re-entry he were entering into insurance for the first time. I. EMPLOYED CONTRIBUTORS. (i) Calculation of Arrears. (581) The arrears scheme, so far as it relates to employed contributors, is based on the principle that any loss which a Society suffers by reason of the non-payment of a member's contributions in one year shall be made good to the Society by the reduction of his benefits in the following year. The arrears of one year are wiped out in the next year, even if no benefit is claimed, so that the member in arrear makes as it were a fresh start each year. (582) Arrears are calculated at the end of each contribution year ; a contribution year normally comprises the period of two half-yearly cards and commences in June or July. (583) The contributor is allowed thirteen weeks (called " the period of grace ") after the end of each contribution year in which to pay off the arrears outstanding against him for that year, and so escape reduction of benefits. The year (called the " penalty year ") in which benefits are reduced on account of the arrears of any contribution year starts on the first Monday in November after the end of that contribution year. (584) No arrears are to be taken into account if they accrued during any of the following periods : — (a) Any period when the person has been in receipt of sickness or disablement benefit ; (6) Any period when the person would have received sick- ness or disablement benefit, but was disqualified owing to some provision, of the Acts or Regulations. 164 165 Among the disqualifying provisions of the 1911 Act may be mentioned the following : — Section 8 (4). Residence outside United Eangdom ; „ 8 (8) (b) and (c). Waiting periods before the member has qualified for sickness and disablement benefit by having been in insurance for 26 and 104 weeks, and hav- ing paid 26 and 104 contributions re- spectively ; 11. Receipt of compensation ; 12. Inmate of hospital, etc. ; 13 (1). Scheme of alternative benefits ; 14 (2). Benefits suspended by way of penalty for breach of rules ; 47 (4), (5), and (6). Receipt of full wages during six weeks of sickness ; ,, 48 (1). Master, seaman, or apprentice un- der Merchant Shipping Act : periods of sickness during which the shipowner is liable for maintenance and the provision of medical attendance ; (c) During any period when the person would have received sickness or disablement benefit but for suspension on account of arrears under the present Arrears Regulations. (d) In the case of a woman entitled to maternity benefit in respect of her own insurance, during the two weeks before and four weeks after her delivery ; (e) Where maternity benefit is payable to the widow of an insured man in respect of his posthumous child, during the period between the death of the husband and the birth of the child ; (/) The period from the 15th of July 1912 to 14th of July 1913 — ^that is, during the first year of the operation of the Act. (585) A member, to whom the provisions of Sections 47 or 53 do not apply, must, whether he is in arrears or not, be credited with certain contributions in addition to those which have actually been paid in respect of him. These additional contributions are known as " reserve " contributions. For a person who has been a member of an Approved Society during the whole of the contribution year three "reserve " contributions wiU be credited. If the person became a member during the first half of the contribution year, the number of contributions credited will be two, and for a person who became a member during the second half of the year the number will be one. It should be noted that the reserve contributions to be credited depend upon the period of membership of an Approved Society — ^not necessarily of the particular Society 166 which is calculating the arrears. Thus in the case of a trans- ferred member, the number of " reserve " contributions to be credited to him depends upon the time when he became a member of any Society, and not upon the date of admission to the new Society. (586) A member may pay off the arrears incurred in any contribution year at any time during the year or within a period, called the " period of grace," after the end of the year. The period of grace is usually 13 weeks. There are special provisions for an employed contributor who has been treated provisionally as out of insurance but becomes again employed within a year from the date of his provisional lapse from insurance. This matter is explained in paragraph (591). (587) The position of affairs on the expiry of the period of grace determines what the member's " net penalty arrears " (if any) are. To the member's debit wiU be any arrears of con- tributions which arose during the contribution year which is being dealt with and have not been paid off or discharged out of the Benevolent Fund (see paragraphs (645) to (660)). To his credit there wiU be the " reserve " contributions to which he is entitled, and any reserve balance which may fall to be carried forward from the previous calculation. It must be remembered throughout that the reckoning is made in terms of contributions, and not in terms of money. If the debit exceeds the credit, the difference in the number of contributions will be the number of " net penalty arrears." If, on the other hand, the credit exceeds the debit, the difference will constitute a " reserve balance " in the member's favour, which will be carried forward and added to the number of reserve contributions to which he is entitled when the next annual calculation of arrears is made. (588) The calculation of the net penalty arrears should be made as soon as possible after the expiry of the period of grace allowed at the end of the contribution year. In normal cases this period wiU expire near the beginning of October, and, as any reduction of benefit must come into force on the first Monday in November {see paragraph (596)), a Society has about one month within which to make the calculation. (ii) Paying ojf Arrears. (589) Arrears can only be paid off within the contribution year during which they arise, or within the period of grace after the end of that year. Any arrears paid during the period of grace must be applied to the reduction of the arrears (so far as such exist) for the contribution year just ended. (590) Within six weeks after the end of each contribution year the Society must send to every member who is in arrears (after allowing for arrears already paid off, reserve contributions and reserve balance (if any)), a notice giving particulars of the number of arrears outstanding and the effect which they will have 167 on benefits if they are not paid off. A special arrears card has been designed to serve both as the notice and as a card on which to affix stamps in payment of the arrears. On receiving from a member a stamped arrears card, the Society should at once enter upon it the date on which it was received. (591) An employed contributor who has been treated provi- sionally as out of insurance, but becomes again employed within a year from the date of his provisional lapse from insurance, and to whom a notice of penalty arrears was not sent within nine weeks after the end of the contribution year, must, be notified of his arrears within a fortnight after the Society becomes aware of his having resumed work. The period of grace in this instance will be from the time he starts work until the end of six weeks from the date on which the Society received intimation of his being employed. If the member pays up any arrears in this period of grace, however, he will be tjonsidered to be still in arrear until the expiration of four weeks from the date of payment. (592) Under the provisions of the Act of 1913, a member of a Society who wishes to pay off any arrears which arose during " unemployment " (including both want of work and employment which is not employment within the meaning of the Acts) can do so by paying that portion only of the con- tribution which would have been paid otherwise than by the employer, and he is excused unconditionally the employer's share. This provision came into operation on 12th January 1914, and applies to all outstanding arrears due to unemployment which arose after 15th July 1913, as well as to all future arrears due to this cause. Contributions which have been unpaid from any other cause can only be paid up at the full rate, and it is, therefore, important that Societies should know what is the exact cause of non-payment of contributions. For instance, if a member has lost his card and wishes to replace the lost stamps, or if he wishes to pay contributions which his employer has failed to pay, or if he is receiving compensation or sickness benefit, and desires to pay contributions for the weeks during which he is incapacitated for the purpose of qualifying for disablement benefit, he can do so only at the fuU rate. (593) The amount to be paid by the member is the part that would have been payable " otherwise than by the employer," i.e. it includes the penny that would have been payable by the State in the case of certain low-wage earners if they had been employed, and, if a member asks, the Society should inform him what weekly amount must be paid in discharge of arrears. The amount will, of course, depend upon the member's rate of remuneration in the case of members of twenty-one years of age and upwards whose remuneration does not include the pro- vision of board and lodging by their employer. In deciding what this is, a member is to be regarded as being paid at the 168 rate of over 2s. 6d. a day, unless he proves to the satisfaction of his Society that his usual rate of remuneration has been at the rate of 2s. 6d. a day or less. In the latter case the amount payable by him wiU be reduced accordingly. In determining the rate at which arrears are to be paid, Societies must bear in mind — (a) That there is a presumption that aU members, in respect of whom they have received properly com- pleted low-wage cards or low-wage declarations, are entitled to pay arrears at Id. or 2d., as the case may be, and that all such persons should be given a reasonable opportunity of proving to the Society what their usual rate of remuneration is ; and (b) That men in respect of whom contributions have been paid at the full-employed rate (7d.) will be entitled to pay 3d. instead of 4d. if they can satisfy the Society that the usual rate of their remuneration is more than 2s. but not more than 2s. 6d. for a fuU working day and does not include board and lodging. In deciding what is the " usual " rate of contribution. So- cieties should come to the best conclusion they can on the evidence furnished to them, as to the predominant rate over a reasonable period immediately before the period in respect of which the arrears accrued. Amount payable by Member. (594) One or other of the following amounts wiU ordinarily be payable by the member in order to pay off a week's arrears : — Men. (a) If Society has no evidence as to remuneration — 4d. (b) If Society is satisfied that usual rate, while above 2s., does not exceed 2s. 6d. — 3d. (c) If Society is satisfied that usual rate, while above Is. 6d., does not exceed 2s. — 2d. (d) If Society is satisfied that usual rate does not exceed Is. 6d.— Id. Women. (e) If the Society has no evidence as to remuneration — 3d. (/) If Society is satisfied that usual rate, while above Is. 6d., does not exceed 2s. — 2d. (g) If Society is satisfied that usual rate does not exceed Is. 6d.— Id. The reduced rates (6), (c), (d), (/), and (g) do not apply to members who are under twenty-one years of age or meflibers whose remuneration includes the provision of board and lodging. If the member's last employment before the arrears accrued 169 was under Sections 47 or 53, or if the arrears accrued through unemployment in Ireland, the Section 47 or Irish rate, as the case may be, wUl apply. (595) Payments of arrears in respect of which the employer's share is excused must in every case be made on arrears cards. Societies should see that aU members are able to obtain arrears cards without difficulty. If arrears at the reduced rates are paid on an employed contributor's card they must not be credited as arrears, but must be converted into whole con- tributions at the full employed rate. (iii) Reduction of Benefits owing to Arrears. (596) A member who has any net penalty arrears against him at the end of a period of grace will be subject to a reduction of benefits during one complete year, running from the first Monday in November following the calculation of the arrears to the Sunday immediately before the first Monday in November of the next year, both days iaclusive. Societies whose benefit week does not run from Monday to Sunday may wish to adopt another day in the first week of November as the beginning of the " penalty " year, and the Commissioners have power to aUow this variation on application being made to them. At the end of each penalty year all the " net penalty arrears " are wiped out, whether or not the member has actually claimed any benefit and suffered the prescribed reduction. The mere fact that he would have been liable to the reduction if he had claimed benefit is sufficient, as the scale of reduction in benefits is framed to recoup the Society for arrears, taking the members who do claim with those who do not. (597) The amount of the reduction in benefits varies in accordance with the table given below {see also Tables in Appendix G, page 264). Unless the " net penalty arrears " exceed twenty, the sickness and disablement benefits are not affected beyond the sixth week of disease or disable- ment occurring during the penalty year in respect of which benefit is payable or would otherwise be payable. After the end of the sixth week the full rate of benefit to which the member would be entitled if he had no arrears becomes payable. Thus, if a member is in arrears and is ill for eight weeks he will receive reduced benefit for six weeks and his ordinary benefit for the remaining period, which will be two weeks (less the waiting period, if any). If he is sick again for, say, four weeks in the same penalty year he will receive his full ordinary benefit for the whole four weeks of the second iUness, provided, of course, that he is not disquahfied on any other ground. (598) The scale of reduction and suspension of benefits is as follows : — 170 Number of Net Penalty Arrears. 16 * and under. Over 16,* over 20.* Over 20,* over 26. Over 26. but not but not Variation of Normal Benefits. Weekly rate of sickness (or disablement) benefit for the first six weeks .to be reduced by 7d.* in the case of a man, and 6d.* in the case of a woman for each net penalty arrear. The rate of sickness (or disable- ment) benefit is, however, in no case to be less than 2s. a week in the case of a man, or Is. 6d. a week in the case of a woman. No sickness (or disablement) benefit to be paid for the first six weeks. No sickness (or disablement) benefit at all to be paid in the penalty year. Member to be suspended from all benefits during the penalty year. * For Ireland 5d. and 4d. are substituted respectively for 7d. and 6d., and 18 and 22 respectively for 16 and 20. In determining whether the minimum rate of benefit (2s. for a man and Is. 6d. for a woman) has been reached, the Society must count any compensation received in respect of the in- capacity as sickness benefit or disablement benefit, as the case may be. (599) In dealing with the payment of benefit for portions of a week, the reduced rate of benefit must be divided by the total number of days for which a fuU week's sickness benefit is ordinarily paid by the Society (six or seven days, as the case may be), and the resulting amount multiplied by the number of days for which benefit is to be paid, any fraction of a penny in the result being counted as a penny. (600) The procedure to be followed Where a member is hable to reduced benefit on account of arrears, and is in receipt of comperisation or damages, is described in paragraph (420). (601) If a member has been suspended from sickness and disablement benefits for two successive penalty years, and is about to be suspended for a third, or, in other words, if his net penalty arrears exceed twenty at three successive yearly calcu- lations, he ceases to be entitled to any benefits. The amount by which his transfer value exceeds the outstanding part of his reserve value (if any) will be carried to a separate account in the Society's books. (602) If a member, although thus disentitled to any benefits, continues to be an emj)loyed contributor, he will again become entitled to benefits subject to the following conditions : — (a) For medical, sanatorium, sickness, and maternity benefits, at least 26 contributions must have been paid, and 26 weeks have elapsed since he was first employed after he ceased to be entitled to any benefits (but see also (d) below). 171 (b) For disablement benefit, at least 104 contributions must have been paid, and 104 weeks have elapsed since that time ; (c) For the purpose of fixing the rate of benefit, the member will be treated as if he were entering insurance for the first time, and if a reserve value is necessary to support the benefits, it will be credited to the So- ciety. The rates shown in Table D will, however, be increased to such an extent as the Commissioners may determine, having regard to the member's age and the amount previously transferred to the separate account in respect of him, but in no case is a member to re-enter at a rate of benefit greater than that to which he was entitled before his suspension. (d) If the date on which a member first becomes employed after he has ceased to be entitled to any benefits is less than 26 weeks before he attains the age of seventy, he will be entitled to medical and sanatorium benefits after attaining that age for a period of three months for every three contributions paid by or in respect of him during the period between the date of his commencing work, as defined above, and his seventieth birthday. For the purpose of determining a member's position in this respect, if only one contribution has been paid as described, it is disregarded, while if only two contributions have been paid, they are counted as three. Similarly two contribu- tions remaining over are to be counted as three, and one is to be disregarded. II. VOLUNTARY CONTRIBUTORS. (i) Calculation of Arrears. (603) The treatment of voluntary contributors in the matter of arrears is different from the treatment of employed con- tributors. The arrears of voluntary contributors are reckoned in money and not by the number of contributions, as in the case of employed contributors. In order to determine what, if any, reduction of benefits is to be made in respect of arrears, the arrears account of a voluntary contributor is brought up to date whenever he makes a claim for benefit. In any case, however, whether the member has or has not claimed benefit, the account is made up twice a year, viz. at the end of each half-yearly contribution period. (604) As soon as possible after the end of each half-year every Society must ascertain in respect of each voluntary contributor whether he has fallen into arrears during that half-year, and, if so, the amount of such arrears must be cal- 172 culated. The information can be obtained at once from the Contribution Card and the Sickness Benefit Record Card. (605) In reckoning the arrears no account is to be taken of arrears which arose during any of the periods detailed in para- graph (584) above, except that for voluntary contributors arrears which accrued during the first year of the Act do count. (606) When the amount of arrears which accrued during the half-year is found, the arrears account for each voluntary con- tributor must be made up to show the position of affairs as at the close of the half-year. On the debit side wiU appear the amount of arrears which have accrued during the half-year. On the credit side there will be (a) the amount of any arrears paid up by the member during the half-year, (6) any amount which may have been withheld from benefit during the half- year owing to arrears (see paragraph (613)). The account will show that the member has a balance for the half-year to his debit or to his credit, and this debit or credit must be added to or set off against his debit or credit, as the case may be, ascertained at the end of the previous half-year. When the operation is completed, therefore, it wiU be seen whether the member has a debit standing against him or a credit in his favour at the end of the half-year. This debit or credit must, in trn-n, be carried forward to the next half-yearly calculation. The fact that during this succeeding half-year the member may suffer reduction of benefits does not make any difference to the amount so carried forward as a debit or credit. Allowance for the reduction suffered will be made, as above described, when the account for that half-year is dealt with. (607) It should be noted that a voluntary contributor does not receive reserve contributions. (608) As stated above, the amount to be withheld from benefits on account of arrears is determined if and when a claim for benefit is made. Immediately upon the receipt of the claim for sickness, disablement, or maternity benefit, if it is other- wise in order, the Society should ascertain by inspection of the current contribution card whether any arrears have accrued since the end of the preceding half-year. If any arrears have accrued, the amount of them must be debited to the member's arrears account as it stood at the end of the previous half-year. Similarly, any arrears paid off, and the amount of any benefit withheld owing to arrears, since the end of the preceding half- year must be credited to the account. The account should then be made up, and if the result shows that there is a debit standing against the member, the amount of the debit must be recovered in accordance with the procedure explained in paragraphs (613) and (614) below. (609) A voluntary contributor who is in arrears to the amount of 26 weekly contributions or more at the end of any half-year is, subject to certain conditions, to be suspended from all 173 benefits. In order to ascertain whether the amount of the arrears equals or exceeds 26 weekly contributions, the amount of the debit (in pence) must be divided by the rate of con- tribution (in pence) applicable to the contributor at the end of the half-year in question. Any portion of a contribution is to be counted as a whole contribution. (ii) Paying Off Arrears. (610) If, at the end of a half-year, a voluntary contributor is in arrear to an amount equal to or greater than 26 weekly contributions, the Society must, within three weeks of the close of the half-year, send him with his Insurance Book a notice in the following form, showing the amount of his arrears, and the appropriate voluntary contributor's card marked " Arrears," on which the arrears may be paid up. The member is allowed six weeks only after the close of the half-year duriug which he may reduce his arrears to an amount not exceeding six weekly contributions, and thus avoid suspension of benefits. Form of Notice. The arrears outstanding against you at amount to s. d. Unless a Card bearing Health Insurance Stamps to the value of s. d.* is received from you before , you will be suspended from all benefits under the National Insurance Act. A Card on which the arrears may be paid is enclosed. (611) If the card is stamped and returned to the Society, the date of receipt by the Society must be entered on it. (612) A voluntary contributor must, of course, pay at his full rate of contribution if he wishes to pay off his arrears, and no part of the contribution can be excused by the Society. (ui) Reduction of Benefits owing to Arrears. (613) The amount of the debit in the arrears account of a voluntary contributor at the date at which a claim for sick- ness, disablement, or maternity benefit arises, must be withheld so far as is possible from the benefit to which he would other- wise be entitled. Suppose, for example, that a member claims sickness benefit, and would, if it were not for arrears, be entitled to such benefit for two weeks at 10s. per week, but his arrears (calculated in accordance with paragraphs (606) and (606)) amount to 8s. 9d. He wiU receive for the first week 10s., less 8s. 9d., i.e. Is. 3d., and for the second week the full 10s. The amount of benefit to which a member would otherwise be entitled may be less than the amount of arrears. If this ♦ This amount will be the difference between (a) the amount of the out- standing arrears, and (6) six times the amount of the weekly contribution. 174 is the case, the member will receive no benefit at all, and he wiU again be liable to a reduction of benefit if he makes a second claim during the half-year, unless in the meantime he has paid off the arrears still outstanding. E.g., a voluntary- contributor might, in ordinary circumstances, be entitled to a week's sickness benefit at 10s., but owing to his being in arrear to the extent of, say, 18s., nothing would be payable. More- over, in such a case, if the member is subsequently incapaci- tated in the same half-year, and has not in the meantime paid off any of the remaining arrears, he will be entitled to only 2s. (10s., less 8s.) in respect of the first week. (614) A voluntary contributor wiU be suspended from aU benefit if, when his account is made up at the end of any half- year, the arrears outstanding against him are equal to or exceed 26 contributions. This suspension is, however, subject to the member's right to reduce his arrears within six weeks after the end of the half-year (see paragraph (610) above). If within the six weeks the member reduces his arrears to such an extent that an amount equal to six or less contributions only is outstanding, he will not be suspended. If his arrears are not reduced within this period, the suspension from all benefits comes into force after the expiration of eight weeks from the end of the half- year, and an orange sHp should at once be sent to the Insurance Committee. In this connection it must be remembered that the arrears are not necessarily to be reduced by payment of con- tributions, but may be reduced during the six weeks' period of grace by being withheld from benefit. For example, suppose that a member makes a claim for sickness benefit a few days after the close of a half-year, and the Society finds that he is in arrear to an amount equal to, say, 28 weekly contributions, the member's rate of contribution being 7d. per week. The Society will recover the whole of the arrears by witholding benefit for a week and part of a week, and although, therefore, the arrears outstanding at the end of the half-year exceeded the amount of 26 contributions, they wiU, within the prescribed period of six weeks, be reduced sufficiently to prevent the operation of the provision as to suspension from all benefits. (615) When a member is suspended from aU benefits, the amount by which his transfer value exceeds the outstanding part of his reserve value (if any) is to be carried to a separate account in the books of the Society. All such cases should be reported to the Commissioners on Form 179/A.G.D. A voluntary contributor who has been suspended from all benefits may again start pajdng contributions, but, if he does so, the rate of contribution will be the rate he would have paid if he had never been a voluntary contributor before (i.e. the rate shown in Table B, the " age at entry " being the member's age at the date on which he first pays a contribution after having ceased to be entitled to benefits), subject to such reduc- tion, whether permanent or temporary, as the Commissioners 175 may determine to be equivalent to the sum which was trans- ferred to the separate account when he was suspended, and which will now fall to be retransferred to the appropriate benefit funds. The new voluntary rate applicable to the member must, however, always be a multiple of a halfpenny. Any part of the transferred sum referred to above which repre- sents a fraction of a halfpenny, for which no equivalent reduction in the rate of contribution is made, will be credited to the arrears account of the member. The benefits wUl be subject to the usual waiting periods for voluntary contributors, and, in addition, the member will not be entitled to medical and sana- torium benefits until 26 weeks have elapsed and 26 contributions have been paid. If the member wishes to continue in insurance as a voluntary contributor, the fact should be notified to the Commissioners on Form 179/A.G.D., and the necessary instruc- tions as to the new rate of contribution will be issued. III. GENERAL. (i) Calculation of Net Debit and Credit. (616) All that has been said on the subject of arrears apphes to the various special classes of contributors, with the exception of the few modifications noted in the following paragraphs. Most of these modifications relate to changes from one class to another and involve the calculation of what is known as the " net debit " or " net credit " to the account of the member, and the manner in which this calculation is to be made must therefore be clearly understood. (617) The items required for the calculation * vary according as the date of change faUs — I. In the period of grace ; and II. After the end of the period of grace. I. When the date falls within the period of grace. (a) Allow one reserve contribution. (6) Ascertain — 1. The reserve balance for previous contribution year ; or 2. The penalty arrears for previous contribution year. (c) Ascertain the arrears accrued from the beginning of the current contribution year to date. (d) Ascertain the arrears paid from the beginning of the current contribiltion year to date. * When the date of change fell before the 5th July 1915 the method of calculation was slightly different. If the date fell between 6th July 1914 and 4th July 1915, the procedure set out in paragraph 60 of Circular 37l'/A.G.D. was applicable : if the date fell before 6th July 1914 the procedure set out in paragraph 18b of Circular 37g/A.G.D. was applicable. 176 (e) Add the numbers under (a), (b) 1. and (d). (J) Add the numbers under (6) 2. and (c). (i) If (e) is greater than (/), the difference is the net credit. (ii) If (e) is less than (/), the difference is the net debit. The sum representing the net credit or net debit is obtained by multiplying the net credit or net debit by the employed rate last applicable to the member. II. When the date falls after the end of the period of grace. (a) Allow one reserve contribution if the date falls within the first half of the contribution year. Allow two reserve contributions if the date falls within the second half of the contribution year. (6) Ascertain the arrears accrued from the beginning of the current contribution year to date. (c) Ascertain the number (if any) of these arrears paid. {d) Ascertain— (i) The reserve balance in respect of previous contribution year ; or (ii) If there were net penalty arrears in respect of that year : — Take 1. The whole of the net penalty \ If, however, the net arrears if the date of change is in the first half of the current contribution year. Half of the net penally ar- rears (any fraction being disregarded) if the date of change is in the second half of the current contribution year. penalty arrears do not exceed 20, and the contributor has actually suffered re- duction or suspen- sion of benefit for 6 weeks in the penalty year, no part of the nst penalty arrears should be taken. (e) Add the numbers under (a), (c), and (d) (i). (/) Add the numbers under (6) and (d) (ii). (i) If (e) is greater than (/), the difference is the net credit. (ii) If (e) is less than (/), the difference is the net debit. The sum representing the net credit or net debit is obtained by multiplying the net credit or net debit by the employed rate last applicable to the member. (ii) Transfer from Employed to Voluntary Insurance. (618) It is necessary to distinguish the two cases, (a) where the member transfers from employed to voluntary insurance 177 within five years of his entry into insurance, and consequently pays contributions at the voluntary rate ; (6) where the member has been an insured person for five years or upwards and becomes a voluntary contributor. In the latter case the rate of contri- bution continues to be the employed rate. (619) In case (a), under the Act of 1911 (Section 6 (4)), the member is deemed to be in arrear to the extent of the differ- ence between the cash amount of the aggregate contributions paid in respect of him since he entered into insurance, and the cash amount of the aggregate of the contributions which would have been payable had he been a voluntary contributor for the whole time. No contribution as a voluntary con- tributor would, of course, have been payable for any week for the whole of which the member was sick. Where, however, the member has paid contributions as an employed contributor for weeks of sickness, the weeks for which such contributions were paid must be treated as weeks for which contributions would have been payable had he throughout been a voluntary contributor. The difference between the aggregates is reduced by a sum representing the " net penalty arrears " which have been debited to the member and in respect of which he has already suffered, or been liable to suffer, reduction or suspension of benefits. The "net penalty arrears" for each /^'contribu- tion year since the member entered into insurance should be added together, and from the total should be deducted (a) the whole of the " net penalty arrears " for the last contribution year if the date of change is between the end of the period of grace and the end of the first half of the current contribution year ; or (b) one-half of these "net penalty arrears" if the date of change is in the second half of the current contribution year. If, how- ever, the member's " net penalty arrears " for the last contribution year did not exceed twenty, and he has already suffered reduction or suspension of benefits for six weeks, no deduction should be made from the total of the " net penalty arrears." The sum re- presented by the total " net penalty arrears," arrived at in the above way, since the member's entry into insurance, equals the number of such arrears multiplied by the number of pence in the normal employed rate. (620) Where contributions are paid at less than the normal employed rate, the difference between the total amount actually paid and the sum which would have been paid if the contribu- tions had been at the normal rate will faU to be deducted from the amount of arrears calculated in accordance with the terms of Section 6 (4") of the 1911 Act. Arrears paid by the member at the reduced rates and arrears discharged out of the Bene- volent Fund count as contributions at the fuU employed rate in reckoning the cash value of contributions paid up to the date of change. (621) The reduced amount for which the member is to be deemed to be in arrear must be recovered when the member 12 178 makes any claim for benefit, in accordance with the procedure described above for voluntary contributors. (622) In case (6), if the member has a net debit at the date of his transfer {see paragraphs (616) and (617)), the amount will be recovered from benefits in the same manner as the arrears of a voluntary contributor. If he has a " net credit," his account as a voluntary contributor is to be credited with one- third of the amount of such net credit, portions of Id. being disregarded. (iii) Transfer from Voluntary to Employed Insurance. (623) In dealing with arrears of members transferring from voluntary to employed insurance at the employed rate, it is necessary to discriminate between {a) those who became em- ployed contributors on or before 12th October 1913, and (6) those who became employed contributors after that date. In case {a) the amount in pence of a member's arrears as at the date on which he ceased to be a voluntary contributor is to be divided by the employed rate (also in pence) apphcable to him on his becoming an employed contributor. The resulting number (fractions excluded) will give the outstanding arrears to be taken into account in calculating the first penalty arrears. In case (6), if the member elects to pay the employed rate, any arrears which stand to his account at the date of his ceasing to be a voluntary contributor are to be disregarded. This does not mean that he is not penalised in any way for the arrears. Under Section 6 (2) of the Act of 1911 the rate of sickness benefit payable in respect of him is the reduced rate which would have been payable if he had not been previously insured, subject to an addition representing the value at the time of change of the contributions previously paid by him. The fewer the contributions so paid the less wiU the addition to the benefit be. (624) Where a voluntary contributor becomes an employed contributor, but continues to pay contributions at the voluntary rate, the amount (in pence) of his arrears when he ceases to be a voluntary contributor should be divided by the number of pence in the employed rate which would have been applicable to him if contributions had been paid at the employed rate. As in (a) above, the resulting number is to be treated as out- standing arrears for the purpose of calculating the penalty arrears at the end of the contribution year in which the change takes place. (625) For the purpose of crediting reserve contributions, the date on which the member became an employed contributor is treated as the date of his entry into inswrance. (iv) Employed Contributors paying at the Voluntary Rate. (626) The paragraphs above relating to the calculation of 179 arrears of employed contributors are also applicable to employed contributors paying contributions at the voluntary rate, except that in ascertaining the arrears for any year the actual number of contributions in arrear mugt be increased in the ratio of the voluntary rate paid to the employed rate applicable to the member — any fraction over being disregarded. Thus, suppose the member entered into insurance after 12th October 1913, was over seventeen years of age at entry, and is paying 9d. per week to obtain full benefits ; then, if his actual arrears at the end of a contribution year are five, he will be deemed to be six g weeks in arrear, i.e. 5 x==Q^ (counted as 6) weeks. (v) Members under Section 47. (627) The paragraphs relating to the arrears of ordinary employed contributors apply, subject to the following modifica- tions, to persons who are under Section 47. (628) No reserve contributions, except any due to the fact that the " net penalty arrears "exceeded 20 but did not amount to 39 {see paragraph (629)), are to be credited to a member for any period during which he has been employed under this Section. If he has been subject to the provisions of the Section as to a reduced rate of contribution for part only of any con- tribixtion year, and for another part of the year he has been under the ordinary provisions of the Act, he is to receive one reserve contribution for every sixteen contributions which were paid for him at the ordinary rate during the contribution year. Any fraction of sixteen contributions must be disregarded. (629) As regards the reduction of benefit on account of penalty arrears, the following di£ferences should be borne in mind : — (a) Where the " net penalty arrears " do not exceed 16, the number of weeks of sickness or disablement for which the reduction of benefits is to be made in the penalty year is twenty, instead of six. The diffi- culty in regard to members who, in any penalty year, change from employment under Section 47 to ordinary employment and vice versa is met in the following way : If the claim is made for a period when the member is not under the Section, he is only Uable to a reduction for a maximum period of" six weeks ; but where a reduction of benefits has already been made in the same penalty year for a period when the member was under the Section, the Society must set off against those six weeks one-third of the number of weeks for which benefit has been so reduced. The balance will be the number of weeks for which benefit is stiU to be reduced. If the division by three leaves a fraction, the fraction must be disregarded. On the other 180 hand, if the member claims when he is under Section 47, and is thus subject normally to twenty- weeks' reduction, from this maximum period must be deducted three times the number of weeks (if any) for which reduced benefit has been paid in the same penalty year whUe the member was not a person employed under Section 47. If, however, reduced benefit has already been paid for six weeks while the member was not under Section 47, no further reduction will fall to be made. (h) If the •' net penalty arrears " are more than 16 but not more than 20, sickness and disablement benefits are suspended for the penalty year. All benefits are suspended for the year if the "net penalty arrears " are more than 20 in number. (In applica- tion to Ireland, 18 and 22 are to be substituted for 16 and 20 above.) Where the "net penalty arrears " exceed 20, but do not amount to 39, the number by which they fall short of 39 is carried forward to the member's credit as reserve contribu- tions. The maximum number of such additional reserve contributions which may thus be allowed in any year is 13. (vi) Mercantile Marine Members. (a) Serving on Foreign-going Ships or Ships engaged in regular Trade on Foreign Stations. (630) The paragraphs relating to ordinary employed contribu- tors apply to these members, except that : — (a) The contribution year runs from December or January instead of from June or July. (b) The period of grace after the end of the seamen's con- tribution year, during which a foreign-going mer- cantile marine member may pay off arrears for the preceding contribution year is half a year {i.e. the card period ending in June or July) plus 13 weeks. Where, however, the member has been constantly employed in a voyage or voyages which began before the end of the seaman's contribution year, the period of grace will be taken as not expiring until the end of four weeks after the termination of the last voyage, if this is longer than the ordinary period. " Constantly employed " means that the voyages have not been separated by more than two weeks. In any case, if the member is incapacitated when he pays the arrears, or becomes so within four weeks of payment, and the date of payment is during the extended period of grace, he is to be deemed to be 181 still in arrear until after four weeks from the date of payment, (c) A member who becomes a foreign-going mercantile marine member during a contribution year {i.e. an ordinary contribution year), must be treated for the purposes of arrears as if the change had taken place at the beginning of that contribution year, i.e. in June (or July), and the next calculation of arrears for him must be made at the end of the first half of the contribution year, i.e. in January. If the end of the half-year is past, the calculation must stiU be made as at that date. In any case, whether the half year is over or not, one reserve contribution is to be credited to the member, and no account is to be taken of any arrears except those which arose during the first half of the contribution year. In the opposite case of a member ceasing to be a foreign-going mercantile marine member, the change is to be dated back to the beginning of the (seamen's) contribution year, i.e. the preceding December or January. Whatever the date on which the member actually ceases to be a foreign-going mercantile marine member, the next calculation of arrears for him must be made in June (or July) following the end of the seamen's contribution year then current. Three half-years will thus have elapsed in these cases since the last calculation of arrears. At the calculation, arrears which accrued during the three half-years must be taken into account and four reserve contributions are to be credited to the member. (631) In dealing with the arrears of mercantile marine mem- bers it should be noted that every four contributions paid in respect of employment on foreign -going ships count as five {see paragraph (539)). (b) Serving on a Home-trade Ship. (632) The arrears scheme for employed contributors applies also to mercantile marine members serving in a home-trade ship, except that the period of grace allowed is 13 weeks, or where a member has been employed in a voyage which began before the end of the contribution year, the period granted is until the expiration of four weeks after the end of the voyage, whichever is the longer. (vii) Navy and Army Members. (633) When a member, having been an employed contributor, becomes a Navy or Army member, his " net debit " or " net credit " must be ascertained as at the date of entry or enlist- 182 ment. ' He is entitled to one reserve contribution for every half-year which ends during his period of service. When he is discharged these reserve contributions must be set off against any arrears which accrued diu-ing service and have not been paid up, and the resulting number must be divided by two, disregarding fractions. The debit or credit so found must be added to or set off against the " net debit " or " net credit " ascertained on enlistment, and the resulting debit or credit taken into account at the next calculation of arrears. The member will not be liable on account of arrears to any reduc- tion or suspension of benefit between the date of his dis- charge and the beginning of the penalty year next following the end of the contribution year in which he is discharged. For example, a man discharged in August 1915 cannot suffer reduction of benefit on account of arrears before November 1916. The Society may discharge out of the Benevolent Fund {see para- graphs (645) to (659)) without application from the member the whole of the arrears debited to him on discharge. When the arrears calculations are made at the end of the contribution year in which the member was discharged the Society may also use the Benevolent Fund to discharge part of the arrears for the period from the date of discharge to the end of the contribu- tion year, in accordance with the instructions in paragraph (652), if the member is entitled to assistance out of the fund. (634) For the purpose of crediting reserve contributions to a Navy or Army member who becomes an employed contributor, the day immediately following the date of his discharge from the Navy or Army is to be treated as the date of his entry into insurance. (635) The only benefit payable during service is maternity benefit, and during service no reduction or suspension of this benefit takes place on account of arrears. (viii) Inmates of Institutions. (636) No reserve contributions can be credited to a member in respect of any period during which he was an inmate, of an institution to which a certificate of exemption has been given under Section 51 of the Act of 1911. The net debit or net credit ascertained for him at the date of his suspension from benefits on entering the institution must be taken into account in the ordinary way after he has left the institution. (637) The institutions referred to are institutions carried on for charitable or reformatory purposes, which have applied for and received a certificate of exemption under Section 51. If a member becomes an inmate of such an institution, the period during which he is in the institution is disregarded for the purpose of reckoning his arrears, provided that it is greater than six months {see Section II. of Chapter VIII.). 183 (iy) Married Women. (638) Paragraphs (603) to (615) on the subject of arrears of voluntary contributors apply to married women special volun- tary contributors suspended from the ordinary benefits, subject to the modifications given below. (639) Where a woman becomes a special voluntary contribu- tor during the lifetime of her husband, and because of arrears is suspended from benefits, she wiU not again become entitled to benefits as such a contributor while her husband is alive, and it wiU not be necessary to carry any portion of her transfer value to a separate account. A woman who becomes, or elects to continue to be, a special voluntary contributor within one month of the death of her husband, will be perma- nently suspended from benefits as a special voluntary contri- butor if, on account of arrears, benefits cease to be payable. (640) If notice is given to a woman that she has been suspended from ordinary benefits because of marriage, and the suspension takes effect before the beginning of the half-year in which the notice is given, the six weeks and eight weeks referred to in paragraphs (610) and (614) respectively date from the time she elects to become a special voluntary contributor. (641) When a woman who v/as an employed contributor is suspended from ordinary benefits on account of marriage, the net debit or net credit to her account must be ascertained. If there is a net debit and she becomes a special voluntary con- tributor, the amount must be recovered from benefits in the same way as arrears of contributions of a voluntary contribu- tor. A net credit (if any) cannot be carried to her account unless and until she re-enters insurance as an employed con- tributor, when it will be placed to her credit on the first calcu- lation of arrears. (642) Any arrears which have accrued in respect of a married woman during marriage are to be disregarded on the death of her husband. If, therefore, a married woman who continues to be employed after marriage is subject to a reduction of benefits on account of " net penalty arrears," her liability to such reduction, in so far as it is in respect of arrears which accrued whilst she was married, will cease if her husband dies. Moreover, when an insured woman is suspended from or- dinary benefits on account of marriage, the period between her iHarriage and the expiration of one month from the death of her husband is to be disregarded for the purposes of reckoning arrears if at any time after the death of her husband she be- comes an employed contributor. (643) Where a married woman special voluntary contributor becomes an employed contributor the procedure described in paragraph (623) for ascertaining the arrears of a voluntary contributor becoming an employed contributor on or before 12th October 1913 will apply, whether the woman becomes 184 an employed contributor before or after that date. If at the date of transfer she has penalty arrears standing to her account, any benefits which become payable to her as a special voluntary contributor will nevertheless not be affected. No reduction or suspension of benefits will take effect until the date on which she becomes (or would but for arrears have become) entitled to benefits as an employed contributor. (644) A woman who was married at the commencement of the principal Act is to be treated as if she had not been married at that date, if she has ceased to be entitled to any benefits on account of arrears and later becomes again entitled to benefits. The effect of this provision is to prevent her from escaping the penalty for her arrears by claiming the advantage of Section 44 (5) of the National Insurance Act, 1911, which provides that women who were married at the commencement of the Act are entitled to benefits at the full rate, irrespective of age, if they become employed contributors and members of Approved Societies before or within a year after the death of their husbands. IV. ARREARS BENEVOLENT FUND. (645) Parliament has voted a sum of money (the " Arrears Benevolent Fund ") for assisting employed contributors in the payment of their penalty arrears which are due to genuine un- employment. (646) Subject to the following conditions the Society may discharge the arrears of members * out of the amount allotted to it, as it thinks fit : — (1) The Society must be satisfied that the member has been out of work for the weeks for which the arrears are discharged out of the fund — e.g. arrears incurred while a member was engaged in remunerative work on his own account or was employed otherwise than in in-., surable employment cannot be discharged out of the fund. (2) Assistance must hot be given out of the fund in any case to reduce the arrears accrued during the contribution year, after deduction of the reserve balance (if any) brought forward, and the reserve contributions for the contribution year, below 6 (or in the case of women, 5). (3) Assistance must not be given out of the fund in any case in which the arrears paid off during the contribution year are equal to or more than the arrears accrued during the year, after deduction of the reserve balance (if any) brought forward, and the reserve contributions for the year. (4) Assistance must not be given in any case unless applica- tion is made before the end of the period of grace. * Regarding the arrears of discharged sailors and soldiers, see paragraph (633). 185 (647) The Society may give assistance out of the fund to reduce the penalty arrears below 6 (in the case of women, 5) in certain cases in which the member has paid arrears in the course of the contribution year. (648) In the majority of cases no arrears will have been paid, and the entry in column 12 of the Contribution Register will determine whether the member should be given an opportunity of claiming assistance out of the Benevolent Fund. In cases, however, where arrears have been paid, it will also be necessary to take account of the entry in column 14. (649) If the entry in column 12 exceeds 6 (in the case of women, 5) and the number in column 14 is less than the number in column 12, or there is no entry in column 14, a notice on Form 145 should be prepared for the member, the number in column' 12 being inserted in the proper place on the notice. In order that the Society may be able to deal with applications without refer- ence to the Contribution Register, it should, in any case where arrears have been paid as shown in column 14, enter the number paid in the space provided at the foot of the form before issue. As each form is written a tick should be made against the entry in column 12 in order that the Society may be able to teU later in which cases the forms have been issued. As soon as the forms have been written they should be dispatched to the members. (650) Where the number (if any) in column 12 does not exceed 6 (in the case of women, 5), or where it exceeds 6 (in the case of women, 5), but the number in column 14 is equal to or more than the number in column 12, the member is not entitled to assist- ance out of the fund. In all such cases the member's insurance books should be entered up as far as possible, and in every case in which column 16 of the register shows penalty arrears not exceeding 6 (women, 5) an R(l) card should be prepared for issue to the member. The insurance books and arrears cards should then be sent to the members. (651) When the completed forms are received from the members, the Society must satisfy itself that the declaration on the form can be accepted. Inquiry must be made in any -case in which the Society has reason to believe that a member who applies for assistance out of the grant has been working on his own account, or has been employed, and either has not had his card stamped or has not surrendered his stamped card, and if the Society is not satisfied that the member has actually been out of work for the period covered by the application the arrears should not be discharged out of the grant (see also paragraph (746)). (652) The number of arrears (if any) which the Society decides to discharge out of the Benevolent Fund should be noted at the foot of each Form 145 as it is dealt with. (a) Where no arrears have been paid off during the contri- tion year {i.e. where there is no entry in column 14) — 186 The Society may discharge as many arrears {not ex- ceeding the number of weeks for which the member has been out of work) as will reduce the number in column 12 to 6 {in the case of women, 5). (6) Where arrears have been paid off during the contribu- tion year {i.e. where there is an entry in column 14) — (i) If the number in column 14 is 6 (in the case of women, 5) or less the Society may discharge as many- arrears {not exceeding the number of weeks for which the member has been out of work) as will reduce the number in column 12 to 6 (in the case of women, 5). (ii) If the number in column 14 is more than 6 (in the case of women, 5) the Society may discharge as many arrears {not exceeding the number of weeks for which the member has been out of work) as will reduce the number in column 12 to the number in column 14. (653) The Society should in no circumstances actually stamp cards for the arrears discharged out of the fund, but wiU claim credit in a special return for the arrears so discharged. (654) The insurance books of these members should then be completed for issue. If any arrears have been discharged out of the grant, the words " arrears discharged out of grant " should be written or stamped on the last hne in the space for arrears paid in the period of grace, and the number of arrears discharged out of the grant should be entered. (655) Arrears Cards R(l) or R(2) should be prepared for these members showing the number of their penalty arrears, after allowing for the number {if any) discharged out of the grant. The cards, with the insurance books, must be dispatched to the members by the end of August. If the penalty arrears (after allowing for the number dis- charged out of the grant) do not exceed 16, an R (I) card should be issued. If the penalty arrears (after allowing for the number dis- charged out of the grant) exceed 16, an R (2) card should be issued. (656) If an application for reduction of arrears {Form I4S) has not been received from any member by the end of August, an arrears card {R{1) or R{^)), showing his penalty arrears as entered in his insurance book, should be issued to him at once with his insurance book. (657) If an application on Form 145 is received after the issue of the arrears cards, but before the end of the period of grace, it may be considered, and the Society may discharge the same number of arrears as it would have discharged if the applica- tion had been received at the proper time. 187 (658) Arrears discharged out of the grant should be treated as a payment of arrears for the purpose of ascertaining net penalty arrears, and will count as qualifying contributions. Entries in the Contribution Register. (659) Arrears will be discharged out of the grant at the reduced rate, i.e. at the same rate as the contributor himself would be entitled to pay off arrears. The Form 145 should be filed for production to the Government Auditor. Persons serving in the Mercantile Marine in Foreign-going or Foreign-trading Ships. (660) The above arrangements are applicable to persons serving in foreign-going and foreign- trading ships, subject to the following modifications : — (a) The Special Arrears Card RM(1) must be issued to foreign-going seamen whose penalty arrears, after allowing for the number (if any) paid out of the grant do not exceed 16; (6) The Special Arrears Card RM(2) must be used for foreign-going seamen whose penalty arrears exceed 16. (c) A special form (145 M) on which to apply for assistance out of the grant has been provided for issue to mercantile marine members. {d) In any case in which the period of grace is extended, appHcation for assistance out of the grant must be made before the end of the extended period. CHAPTER VII.— FINANCE. I. GENERAL. (i) How the Money for paying Benefits and Adrtiinistration Expenses is obtained. (661) All the money received from the sale of National Health Insurance stamps used by employers and insured persons to pay contributions is paid into a fund called the National Health Insurance Fund, under the control of the Insurance Commissioners. In the first instance, therefore, the value of the contributions of the members of a Society on its State side does not come to the Society in the form of cash, but is represented by a credit in the Insurance Fund. In order that this credit may be given to a Society it must make up each half-year, a summary of the contribution cards of its members. This summary is called the Half-yearly Return of Contributions, and must, of course, agree with the Contribution Register {see paragraphs (209) and (212)). (662) The amount to be placed to the Society's credit at the end of each half-year will not be exactly equal to the value of the stamps on the cards for that half-year. For on the one hand a deduction is made from each contribution (with certain ex- ceptions) towards the sinking fund for reserve values, and on the other hand a sum of Id. per week in the case of low- wage earners over 21 is payable as a contribution out of money provided by Parliament.* (663) Besides the contributions of its members, the Society is entitled to State grants. These grants, which represent, with certain exceptions, two-ninths in the case of men and one-fourth in the case of women — (a) of benefits paid or deemed to have been paid, and (b) of the amount appropriated for administra- tion expenses — are not credited in the form of an addition to contributions, but as a share of the expenditure on benefits and administration. In order, therefore, to obtain credit for these grants it is necessary for a Society to furnish to the Commis- sioners periodical returns (Cash Summaries) showing the ex- penditure during the period to which they relate. The State grant wiU be credited after the return duly certified by the Government Auditors has been furnished to the Commissioners. * The Parliamentary Id. may also be payable in the case of membera insured at the reduced rate under Section 47 of the Act {see paragraphs (185) and (186)). 188 189 (664) The Insurance Fund may thus be compared to a bank, in which the Approved Societies hold credits and from which they draw the money they require to meet their current expenses for benefits and administration. (665) The Society is only entitled to such advances out of the Fund as are necessary for its current requirements. The effect of withdrawing more than is actually required for current expenses is to reduce the amount available for investment, and serious loss of interest to the Society may be involved. (666) The Fund however, differs from a bank, in that money can only be obtained from it for certain special objects. Those objects (apart from investments, which will be dealt with later) are : — (1) The providing of benefits under the Act. (2) The payment of the expenses properly incurred in administering those benefits, commonly called Ad- ministration Expenses. (667) Provision is made by the Act to ensure that money paid out from the Fund is spent on these objects and on no others. This is done (a) By requiring Societies, if they take money from the Fund in advance, to give security against malver- sation (see paragraphs (672) to (677)). (6) By requiring proper accounts to be kept in a particular form (see paragraphs (678) to (683)). (c) By requiring those accounts to be audited by Government Auditors. It must always be remembered, however, that none of these precautions can take the place of a proper control by the Society itself over its funds. The Insurance Fund is not a fund on which any Society can draw to an unlimited extent : it consists of the credits of particular Societies, and every Society in drawing money is drawing from its own account in the Fund. Conseauently it is to the interest of the members of each Society to see that their funds are carefully and properly administered, as it is they who will suffer (by a levy or reduction of benefits) if on valuation there is found to be a deficit. The best security for the solvency of a Society is the good faith of the members in making, and the co-operation of the members with the Committee of Management in supervising, claims for benefit. (668) Apart from issues of cash to meet expenses of benefit and administration or issues of cash paid over for investment by the Society, all transactions between the Commissioners and Societies, between Societies and Insurance Committees, and between one Society and another, are dealt with by the 190 Commissioners through the Societies' accounts in the National Health Insurance Fund without money passing. (ii) Investments. (669) When in any half-year a Society has been credited in the books of the Commissioners either finally or provisionally with ' (1) Net value of contributions ; (2) State grants in aid of contributions ; (3) State grants in aid of expenditure incurred on administration and benefits ; (4) transfer values in respect of members transferred from other Societies ; and' (5) any other credits due to the Society ; and debited with (1) Cash issued to the Society to defray expenses of benefts and administration ; (2) amounts payable to Insur- ance Committees (such amounts will be paid to Committees by the Commissioners) ; (3) transfer values in respect of members transferred to other Societies ; (4) any other payments chargeable to the Society ; the account for the half-year will be balanced, and the balance to the credit of the Society (less any sum retained by the Com- missioners to meet current advances or reimbursements) wUl be available for investment. (670) A proportion of the amount available for investment {^ in the case of men, ^ in the case of women), can be paid over to the Society for investment, the remainder being held by the Commissioners in the Investment Account to the credit of the Society. Where the Society has intimated its desire to have such proportion paid over to it, the Commissioners will from time to time advise the Society of the amount which can be so paid over to the Society for investment by the Society. (671) Later, the Society will be credited with interest on moneys in the Investment Account ; it will also be credited with interest on reserve values and with a due proportion of the sums retained by the Commissioners for writing off reserve values. These items will go to increase the balance at the credit of the Society and consequently the amount available for investment. (iii) Security. (672) As regards (a) in paragraph (667) above, it is open to any Society, and it is necessary for most, to obtain issues of cash in advance from its credits in the Fund. These issues in advance can be obtained : but security must first be given to the Com- missioners against misappropriation by the Officers of the Society. 191 Until security has been properly completed, advances cannot be obtained. (673) As security is only required against a possible misappli- cation of funds advanced by the Commissioners to meet pay- ments in the future, Societies which do not want advance payments need not give security, but they should be careful to see that they have sufficient funds in hand for purposes of administration or for the payment of benefits as they accrue due. In these cases the Commissioners will repay to the Society at intervals out of its credits the amount actually expended, less a reserve against audit. (674) Paynients are made by the Commissioners to the persons authorised under the rules of the Society to receive the sums issued for benefits and administration expenses either by (a) issuing a Money Order payable to the order of those persons, or by (6) crediting the Health Insurance Current Account of the Banking Account of the Society. (675) In connection with the Banking Account of a Society care must be taken to observe strictly the rule of the Society as to receipt of moneys issued by the Commissioners for the expenses of benefits and administration. The rule in question appears in the part relating to " Investment and Management of Funds under the Act " and provides that — (a) the trustees, or {b) the trustees or such other officer or officers as the Com- missioners may approve, or (c) some other (specified) officer or officers shall receive moneys issued by the Commissioners for the purpose of providing benefits and expenses of administration. In case (a) cheques on the Society's Health Insurance Current Account should be signed only by the trustees. But in some cases there is provision elsewhere in the rules permitting a special arrangement between them and the Committee of Management,, with the concurrence of the Commissioners, under which cheques may be signed by officers other than the trustees. In such cases, if it is inconvenient for cheques to be signed only by the trustees, particulars may be sent to the Commissioners, who will advise the Society whether any alternative arrangement is possible under the rules. In case (b) cheques on the account should be signed by the trustees, or, if so desired, the Committee of Management may submit for the approval of the Commissioners the names of other suitable officers. In case (c) cheques should always be signed by the special officer designated, e.g. secretary or treasurer, but the Committee may, if it thinks fit, require the cheques to be countersigned by some other suitable officer. Where two or more officers are designated in the rule, cheques must be signed by those officers. 192 Misappropriation and Malversation of Funds. (676) Where any misappropriation or malversation of State funds by an officer of a Society occurs, and a claim is to be made on the Central Guarantee Fund or the Guarantee Com- pany, as the case may be, through which the Society has given security to the Commissioners, notice should immediately be given to the Commissioners. Instructions wiU then be issued to the Society as to the procedure to be followed. (677) The attention of all Societies who have given security through the Central Guarantee Fund is directed to the rules of the fund as stated in Form A.S. 13 (revised). In particular, the provisions of rules 11, 12, and 13 should be borne in mind. In terms of these rules : — (1) Where a Society has incurred any loss in respect of which a claim may arise against the fund, notice of the loss must be sent in writing to the Commis- sioners by the Society within seven days of the time at which the Society becomes aware of the loss. The notice must give particulars of the manner in which the loss arose, and, as far as it can be ascertained, . of its amount, and must state the steps which are being taken for the recovery of the amount lost and for the punishment of the defaulting officers, and must otherwise be in such form as the Commis- sioners direct. ' (2) The Commissioners may refuse to make good any loss — (a) if the Society declines or neglects to take any steps reasonably practicable required by the Commissioners to be taken by the Society for the punishment of the defaulting officers, or for the purpose of recovering from them the moneys lost ; or (6) unless notice thereof is given in accordance with the rules. (3) If it appears to the Commissioners from the report of the Auditor of the Society's accounts or otherwise that any loss ' credited ^^^^\ and Particulars. • °"°-! Amount. Date. Account to be debited and Particulars. Refce. Folio. Amount. To Contribu- tion Account State Grant towards Adminis- tration Expenses 1 ! 203 I. Dr. CONTBIBUTION AcCOTJNT. Cr. Date. Account to be credited and Particulars. Refce. Folio. Amount. Date. Account to be debited and Particulars. Refce. Folio. Amount. By Insurance C o m m i s - sioners' Cur- rent Account State Grant towards Adminis- -tration Expenses 61 (iv) Advice of Sums transferred to Investment Account. (710) The Society will receive an advice of any sum transferred to the Commissioners' Investment Account {see paragraph (670)). The entries to be made upon receipt of one of these advices would be as follows : — • 62. 62. 3 Dr. Insukance Commissioners' Investment Accoxtnt. Cr. Date. Account to be credited and Particulars' Refoe. Folio. Amount. Date. Account to be debited and Particulars. Refce. Folio. Amount. To Insurance C m m i s - sioners' Cur- rent Account Sum trans- ferred to Investment Account 61 i 61. 61. Dr. iNStTRANCE COMMISSIONERS' CURRENT ACCOUNT. Gr. Date. Account to be credited and Particulars. Refce. Folio. Amoimt. Date. Account to be debited and Particulars. Refce. FoUo. By Insurance C o m m i s - sioners' In- vestment Ac- count Sum trans- ferred to Investment Account 62 Amount. 204 ' V. ADMINISTRATION ACCOUNT. (i) General. (711) The amount which a Society may expend out of contribu- tions, supplemented by the State grants, on administering benefits is limited by the Societies' Accounts and Administra- tion Expenses Regulations made by the Joint Committee on 23rd October 19,14. (712) The maximum amount which may normally be carried out of the contributions payable under the Act by a Society or Branch to its Administration Account must not exceed a sum calculated in the manner describedin paragraphs (713) and (714) below. In the two following cases, however, special maximum amounts apply : — (1) If at the end of any year a sum in excess of the maximum sum which would normally have been carried to the Administration Account in that year is brought forward, by reason of a surplus on the Administra- tion Account for the year, to the Administration Account for the succeeding year, the maximum sum which may be carried to the account for the latter year is to be reduced by the amount of the excess. (2) Where, by reason of expenditure charged to an Adminis- tration Account not being properly incurred for the purposes of the administration of benefits, any sum which would otherwise have been payable to a Society or Branch out of moneys provided by Parliament towards the cost of administration is withheld, a sum equal to the amount so withheld is to be debited to the Administration Account and credited to the Contribution Account for the year in which the amount is withheld, and the sum available for administration in that year will be reduced accordingly. (713) For the purposes of calculating the maximum sum avail- able for administration, the membership of a Society or Branch for any half-year is to be ascertained, at the Society's discretion, by one of the following methods : — (1) By adding the number of members of the Society or Branch at the end of that half-year to the number of those members at the commencement of the half- year and dividing the total by two ; or (2) By deducting from the number of persons in respect of whom contributions have been or are due to be credited to the Society or Branch for that half-year a number equal to half the number of persons who have transferred to the Society or Branch from another and from the Society or Branch to another, 205 at any time after the end of the previous half-year and before the end of that half-year. The former method could only be adopted by a Society which had kept its Membership Register up to date by the removal therefrom of the names of all persons whose membership was no longer efifective, and in such a condition that it could be certi- fied by the Audit Department. Documentary evidence would require to be produced of the right of non-contributing insured persons to be regarded as members for this purpose. (714) The maximum sums which (subject to the special arrangements as to expenditure on medical referees detailed in Circular A.S. 104a and Circular A.S. 165) may be, carried to the Administration Account for each half-year after 11th January 1914 are as follows : — Amount. s. d. *For every member in the Navy and Army : Class B 4 *For every married woman voluntary contributor : Class H 1 2J For every other member except a member who is (a) of the age of 70 or upwards, or (6) a married woman suspended from benefits, or- (c) suspended under Section 51 of the Act, or (d) not an insured person . . . 1 8^ (715) In view of the special circumstances created by the war and the great extension of Class B members, the Commissioners have made provision whereby an additional sum will be avail- able for administration in respect of such members. The amount has been increased from 4d. to lO^d. a half-year, but the ordin- ary sum of Is. 8|d. will be available in respect of any half-year during which military service begins or ends. (ii) Deficiency on Administration Account for year ended 11th January 1914. (716) Section 35 (2) of the National Insurance Act, 1911, requires that any deficiency in the Administration Account of an Approved Society, if not otherwise defrayed, is to be paid forthwith by a special levy. The Commissioners made Regula- tions under which, in the case of a deficiency shown in the Administration Account of any Society for the year ended 11th * A member who is included in Class B or H for a part of the half-year, and in Class A, C, D, E, F, or G for another part of the haU-year, should be treated as in Class A, C, D, E, F, or G for the whole haK-year. In the case of a member who becomes a sailor or soldier during the half-year, this wUI have the effect of allowing the Society to appropriate in respect of him for that half-year Is. 8Jd., instead of 4d. For each subsequent haK-year during which the member remains in the Navy or Army, 4d., or, during the war, lOJd., only will be available; but if the member returns to civil life during a haK-year, the larger allowance may be appropriated in respect of that haK-year. 206 January 1914, the Society was given a period of eleven months, i.e. until the 11th December 1914, in which to make good the deficiency from any source other than the funds of the Society under the National Insurance Acts, e.g. from volun- tary subscriptions, etc. . The Regulations also provided that if the deficiency was not so made good by the 11th December 1914 from some source other than the amount available out of contributions (e.g. from voluntary subscriptions, etc.), the Com- mittee of Management of the Society should forthwith cause a special levy to be made, sufficient to make good the deficiency and payable within two months, upon all persons who were members of the Society on the 11th January 1914.* (717) The Regulations provided, however, that where a deficiency did not amount to a sum equal to a penny per member, the deficiency might be carried forward to the Administration Account for the year ending 31st December 1914. (718) Where the Administration Account had been balanced for the purposes of ascertaining whether a deficiency existed • before the Account had been audited, and upon audit a deficiency, or a further deficiency, not previously disclosed was found, the Commissioners could, on application being made by the Society, authorise the deficiency or further deficiency so found to be carried forward to the following year, provided that they were satisfied that the Society had taken all proper steps to ascertain the deficiency in the first instance. (719) It is provided by the Regulations that one Adminis- tration Account only shaU be kept by Societies approved for and operating in more than one country. For the pur- pose of ascertaining whether there was a deficiency as at 11th January 1914, the proper procedure was to bring the several Administration Accounts which have been kept in regard to the transactions of the Society in the different cou^jtries together, and if, as a result, there was a deficiency on the accounts taken as a whole, it was required to be dealt with as explained above. (iii) Deficiency on Administralion Account as at I2th January 1913. (720) The Regulations also contained a provision under which a deficiency in the Administration Account of a Society as on the 12th January 1913 might, with the consent of the Commis- sioners, be carried forward to the Administration Account for the year ending 31st December 1914, or a subsequent year. » Other than insured persons of the age of 70 and upwards, married women suspended from benefits on account of marriage (other than special voluntary contributors), inmates of any institution within the meaning of Section 51 of the Act, while suspended from benefits, seamen, marines, or soldiers to whom the provisions of Section 46 of the Act apply, and other members (if any) who are not insured persons. 207 Such consent was usually given where such deficiency had not been followed by a further deficiency in the Administration Account for the following year, and there appeared a reasonable prospect of the deficiency being made good out of savings on administration expenditure. (iv) Deficiency on Administration Account for year ended 31st December 1914, or any subsequent year. (721) In the case of a deficiency, amounting to a penny a mem- ber or more, on the Administration Account for the year ended 31st December 1914, or for any subsequent year, the Society is given a period of six months in which to make good the deficiency from some source other than the amount available out of contributions. If the deficiency is not so made good within the prescribed period, a levy, payable within two months, must be made. (722) It should be realised that it is the duty of the Society to balance its Administration Account at the end of each accounting period, without waiting for the Account to be audited, and to see that any deficiency is made good in the manner prescribed in the Regulations. Provision is made, as stated in paragraph (718) above, for dealing with any deficiency, or further deficiency, not previously disclosed, which is found on audit. (723) It is important that the balancing of the Administration Account should be carried out without delay, in order that the Society may make any revision of its administrative arrange- ments which may be deemed desirable in view of the state of the Administration Account for the expired period. (v) Societies with Branches. (724) The foregoing paragraphs, (711) to (723) inclusive, apply to Branches which are administering the Acts as separate units as well as to Societies. Head Offices of Societies with Branches should caU the attention of the Branches to these re- quirements, and should obtain from the Branches such returns of income and expenditure as may be necessary to enable them to see that the requirements are properly observed. Where the accounts of Branches are kept at the Head Office, it will be the duty of the Head Office to notify any Branch which has a deficiency on its Administration Account and to see that steps are taken to make it good. (vi) Admissibility of Expenditure. (725) AU expenditure on administration must be in accordance with the Rules of the Society ; expenditure not recorded in a minute as authorised by the authority which has power under the rules to incur expenses for administration will not be passed on audit. 208 VI. VALUATIONS, (i) General. (726) Every Society wiU be valued from time to time, and the future benefits and contributions of its members will be materially affected by the results shown by the valuation. If there is a surplus, the Society will have to prepare a scheme for the approval of the Commissioners, showing how they propose to use the surplus for the benefit of the members. If there is a deficiency, a scheme must be similarly submitted providing for a reduction of benefits or increase of contributions of the members sufficient to wipe out the deficiency. Registered branches are valued separately, but the Acts pro- vide for a third of any surplus to be pooled for the purpose of partly wiping off deficiencies of other branches in the Society. Similar pooling arrangements are to be made in the case of all Societies with a membership of less than 6000 {see paragraph (727) below). Fuller information will be sent to Societies upon apphcation, and in any ^vent before the first general valuations are made. In the meantime, however, it is of the greatest importance that all Society officials should remember that the results of the valuation and the consequent increase or reduction of benefits in a Society will depend largely or mainly upon the way in which they are administering benefits. (ii) Small Societies and Associations. [121) Section 39 of the principal Act requires that Societies which have less than 5000 insured members at the date of the first valuation shall be associated or grouped together for valua- tion purposes with other Societies, and Section 18 of the amend- ing Act enables Societies which have more than 5000 insured members also to associate for valuation purp6ses with other Societies if they so desire. (728) The difference between Association and Grouping is this : — (1) An Association will be composed of Societies which voluntarily agree to pool surpluses or deficiencies on valuation in accordance with the provisions of Section 39, and may consist of Societies carrying on business in any part of Scotland. The Central Authority of an Assocaition wiU _ be a Central Financial Committee. (2) A Group will be composed of any Societies with less than 5000 members which have their registered offices in a particular county or burgh, and which have not joined an Association. The Central Authority of a Group will be the Insurance Committee for that area. (729) The provisions of Section 39 may be summarised as follows : — Each Society in an Association or Group which shows a surplus on valuation will contribute one-third of that surplus 209 to a Central Fund, retaining under its own exclusive control the other two-thirds of the surplus. This Central Fund will be used for the purpose of making good, as far as possible, any deficiencies shown on a valuation by other Societies in the Association or Group up to the extent in each case of three-quarters of the deficiency, the other one-quarter having to be made good by the Society for itself. But if the Central Authority thinks fit, and the funds of the Association or Group are sufficient, the whole of any deficiences may be made good from the Central Fund. On the other hand, wherethe Central Authority is satisfied that a deficiency shown by a particular Society is due to maladministra- tion, it may refuse, with the consent of the Commissioners, to make good any part of it out of the Central Fund. (730) So far as the Central Fund is not utilised for the purpose of making good deficiencies, it may be returned to the Societies which showed a surplus in proportion to the amounts originally contributed by them. (731) It must be understood that the formation of a statutory Association, as explained in paragraph (728) above, requires the consent of the Commissioners, and the conditions under which Societies may leave or enter it have to be in accordance with regulations to be prescribed by them. These regulations are not yet published, and until they are published it foUows that no statutory Association can be set up. (732) Pending the issue of these regulations, it is open to Societies which desire to associate for valuation purposes to join or set up private Associations which could in due course apply to become statutory Associations. It may be arranged that in the meantime the Association should afford to the Societies in membership with it opportunities for mutual advice and assist- ance. It may in particular enable the Societies to enter into co-operative arrangements for keeping those of their accounts in which bookkeeping experience is of special assistance. (733) The constitution of any such Association must be clearly understood to be subject to the Commissioners' regulations, when these are prescribed, and any arrangement of the kind in- dicated in the last paragraph must not be such as to remove from the members of an Approved Society any part of the control of their own affairs. Any Society which has decided that it is desirous of joining or setting up with other Societies an Associa- tion should accordingly notify the Commissioners, who will inform it whether the arrangement is in order. (734) The Commissioners do not undertake to advise Societies as to whether any steps should be taken by them to join Associa- tions before the regulations under Section 39 are issued, nor after the issue of these regulations will they be able to express any opinion as to the merits of different Associations, or as to whether it is advisable for a Society to join a statutory Associa- tion or to adopt the alternative course of being grouped with other unassociated Societies in its own area. 14 CHAPTER Vin.— MISCELLANEOUS. 1. EMIGRANTS JOINING BRANCHES OF APPROVED SOCIETIES IN THE COLONIES OR ABROAD. (735) Section 32 (1) of the Act of 19H provides that if an insured person emigrates iancj joins a foreign or colonial branch of an Approved Society his transfer value may be payable to that branch. Any such payments are, however, conditional upon arrangements, satisfactory to the Joint Committee, being made to secure corresponding rights for persons coming from the foreign or colonial branch to this country. II. INMATES OP CHARITABLE INSTITUTIONS EX- EMPTED UNDER SECTION 51 OF THE NATIONAL INSURANCE ACT, 1911. (736)^ Under this Section (which was slightly amended by Section 24 of the National Insurance Act, 1913) certificates of exemption have been granted to the managers of certain in- stitutions carried on for charitable or reformatory purposes who showed that the inmates of the institutions receive maintenance and medical attendance when sick. (737) The managers have no liability under the National Insurance Acts in respect of the inmates unless the latter are employed under such conditions as to constitute employment within the meaning of the Acts. (738) Where the inmates are engaged in employment within the meaning of the Acts, the effect of the certificate of exemption is that, instead of paying weekly contributions, the managers are required where an inmate leaves the institution after more than six months' residence : — (a) In the case of a person who was under the age of 16 at the time of entry, to pay the capital sum sufficient to secure him benefits at the full rate ; (b) in the case of a person who was of the age of 16 or upwards at the time of entry, and was then insured and a member of an Approved Society, to pay a sum equal to the value of the contributions which would, apart from the Section, have been payable in respect of him while in the institution. The value of the contributions is calculated in accordance with regu- 210 211 lations made by the Joint Committee, which allow for deduction from the sum of the contributions of the cost to an Approved Society of the benefits of an insured person of the same age as the inmate during the period of employment by the managers. (739) On an inmate in respect of whom a sum is payable lea-ving an exempted institution, the Commissioners will arrange for the sum j;o be ascertained and paid to them by the managers, and the appropriate amount will then be credited to anyApproved Society of which the person is or becomes a member. (740) Where an insured member of an Approved Society enters an exempted institution in which he is employed by the managers in employment within the meaning of the Acts, he is , suspended from benefits while he is an inmate of the institution. If he remains in the institution for more than six months and a sum therefore becomes payable by the managers, the period of residence in the institution is disregarded for the purpose of reckoning arrears. III. CERTIFICATED TEACHERS IN PUBLIC ELEMENTARY SCHOOLS. (741) Employment as a certificated teacher in recorded service is one of the excepted employments, and persons so em- ployed are not, therefore, entitled to be insured as employed contributors. (742) The Act of 1911 contains the following special provision appljdng to this form only of excepted employment. Where an insured member of a Society ceases to be insured by reason of entering upon recorded service as a certificated teacher, there is transferred from the credit of the Society to the credit of the teacher in the Deferred Annuity Fund under the Elementary School Teachers' (Superannuation) Act, 1898, a sum equal to the value of the contributions paid in respect of the member since Jie first began to teach in a public school. This sum is calculated in accordance with Regulations made by the Commissioners, copies of which have been supplied to Societies. In every case where the Commissioners are informed that an insured member of a Society has gone out of insurance by reason of entering upon recorded service as a certificated teacher they wiU calculate the sum to be transferred and wiU advise the Society in due course of the amount with which it has been debited. IV. OUTWORKERS. (743) Contributions in respect of outworkers are paid either on ordinary (A, A(L), E, or E(L)) cards, or on special (A(0) or E(0)) cards (see paragraph (167)), according as their employers have elected to contribute on the ordinary weekly basis (t.e payment of a contribution for each week in which work is done), 212 or on the " unit system " {i.e. payment of a contribution for each " unit " — an amount fixed by the Commission — of work done, ■without reference to the weeks in which it is done). Outworker members who have more than one employer may surrender cards of both kinds. (744) It is possible that an outworker in respect of whom contributions are paid on the unit system may have more than one contribution a week paid in respect of him. No more than 62 contributions a year are necessary, however, and if in any year stamps representing 52 contributions have been placed on the card (or cards) of an outworker member, he may apply to the Society for a certificate to that effect. When he receives the certificate (Form X82*), no more contributions are payable in respect of him for the rest of the year. (745) As stated in paragraph (76), a Society need not question the right of an outworker in respect of whom contributions are paid on the unit system to be regarded as having a normal occupation of employment, although the contributions paid fall short of 27 in the year, if it is reasonably satisfied that the outworker is substantially employed in each week during 27 weeks, and that the employment is not being followed merely as a spare-time occupation. Where an outworker in respect of whom contributions are paid on the unit system does not complete sufficient work to secure that, on the average, a stamp is affixed to his card for each week, he should be treated as being in arrears to. the extent of the difference between the number of contributions paid and the number of contributions which could have been paid by reference to weeks (other than weeks falling to be disregarded {see paragraph (584)). Where the Society is satisfied that the outworker has a normal occupa- tion of employment {see paragraph (76)), such arrears may be discharged, in the same way as arrears due to unemployment, by the payment only of that portion of the contribution which is. payable otherwise than by the employer. Thus in cases where contributions are paid on the basis of the general women's unit of 8s. 9d., women workers of the age of 21 or upwards can pay the arrears at the rate of Id. a week. (746) In dealing with applications by outworker members (including those referred to in the preceding paragraph) for assistance out of the Arrears Benevolent Fund, special care wiU be necessary to ensure that grants are made only in respect of arrears substantially due to inability to obtain work, and not to voluntary abstention from work {see paragraph (651)). V. SUBSCRIPTIONS TO HOSPITALS, NURSING ASSOCIATIONS, Etc. (747) Section 21 of the 1911 Act enables a Society to make such subscriptions or donations as it may think fit to hospitals, * Copies of this form may be obtained from the Commission. 213 dispensaries, or district nursing associations, and to appoint nurses for the purpose of visiting and nursing insured members of the Society. (748) The Commissioners' regulations provide that expendi- ture by Approved Societies under the Section shall be treated as expenditure on sickness benefit. The State grant (so far as the expenditure relates to British subjects) wUl be payable in respect of any sums properly expended by the Society under the Section. (749) It must be borne in mind that subscriptions or dona- tions of the kind contemplated by Section 21 of the Act must come from the ordinary benefit funds of a Society, and that no margin has been provided in those funds specially for the purpose of meeting expenditure under the Section. It is for a Society to decide for itself whether judicious expenditure of this Mnd, in return for which members of the Society wiU be able to obtain skilled attendance in iUness, may be expected to have the effect of promoting the recovery of sick members, and so relieving the ordinary expenditure on sickness benefit. (750) As, however, such rehef might not be experienced im- mediately, Societies, before incurring expenditure under the Section, will be well advised to have regard to their immediate liabilities for expenditure out of their sickness benefit funds, and may think it desirable to obtain actuarial advice on the subject. In the first instance, therefore, Societies may think it desirable not to incur expenditure under Section 21 unless they have already realised actual savings (sufficient to cover the expendi- ture) by carrying to the administration account less than the maximum amount which is available for administration under the regulations. Subsequent experience will show whether further expenditure can safely be made, and whether a Society may reasonably hope to receive an adequate return for such expenditure in the form of a decrease in ordinary expenditure on sickness benefit. (751) Any sums so expended should be entered in the cash- book as " subscriptions or donations to hospitals, etc. (Sec. 21)," and should be carried to a separate account under the same title in the ledger. (752) As regards expenditure on nurses appointed for the purpose of visiting and nursing insured members, it should be 'understood that such expenditure can only be treated as ex- penditure on benefits under Section 21 of the Act if the persons are appointed for actual sick-nursing duties. The payment of sick visitors, whose duties are purely of an administrative character and do not include sick-nursiag, cannot be met under Section 21, but must be charged to the administration account. (753) The payment of midwives also stands on a different footing, inasmuch as maternity benefit may be administered otherwise than in cash, and the Society is therefore entitled to place at the disposal of its members or their wives the services 214 of duly certified midwives. The payment of such midwivey would be made out of the sum payable as maternity benefit to the individual members. VI. CORRESPONDENCE OF INTERNATIONAL SOCIETIES. (754) International societies should address any general cor- respondence to the Commission of the country in which their head office is situated. Questions which are not concerned with general principles, but relate to a particular member and might ultimately lead to a formal appeal, should be addressed to the Commission of the country in which the member resides. Branches will ordinarily obtain information from the head office of their own Society, but where direct communication with the Commissioners is desirable they wiU correspond with the Commission for the country in which the registered office of the branch is situated. VII, POSTAGE. (755) Letters addressed by Approved Societies to the Commis- sion may be marked " O.H.M.S." and, if so marked, need not be stamped. Letters to the Commission should be addressed to The Secretary, National Health Insurance Commission (England), Buckingham Gate, London, S.W. Official letters should never be addressed to officers of the Commission by name. In writing to the Commissiouj secretaries should state the full name and number of their Approved Society. (756) Parcels addressed to the Commission may be treated in the same way as letters, if they do not exceed 3 lbs. in weight. Parcels over 3 lbs. should be sent by railway or carrier, marked " Carriage forward," or by Parcels Post, whichever is cheaper. If sent by Parcels Post, the postage should be prepaid, and the value of the stamps will be refunded by the Commission. In all cases where parcels are sent by rail or carrier, a receipt should be obtained as evidence of the despatch of the parcels. (757) Letters or parcels passing between Approved Societies and their members, or between two Approved Societies, or be- tween an Approved Society and an Insurance Committee, should not be marked " O.H.M.S.," and must be stamped ; otherwise the recipient will have to pay double postage. Packets under 2 ounces in weight containing cards, circulars, etc., can be sent for a halfpenny only if the cover is left open. Any packet containing a contribution card or other communication which is sent in an open cover by halfpenny packet post under the regulations on pages 10-14 of the Post Office Guide should bear in the top left-han-d corner of the address side of the cover a note that, in the event of non-delivery, the packet should be returned to the Society, the name and address of which should be shown. 215 VIII. EXEMPTION FROM STAMP DUTY. (758) Stamp duty is not chargeable upon the following docu- ments in connection with business under Part I. of the National Insurance Act, 1911 : — (i) Draft, or order, or receipt given by or to an Approved Society, or Insurance Committee, in respect of money payable in pursuance of Part I. of the principal Act, or of the Rules of the Society or Branch. (ii) Letter or power of attorney granted by any person as trustee for the transfer of any money of an Approved Society, or Branch, or Insurance Committee invested in his name in the public funds. (iii) Bond or other security given to, by, or on account of an Approved Society, or Branch, or by the treasurer or other official thereof. (iv) Appointment or revocation of appointment of agent, or other document required or authorised by or in pursuance of Part I. of the principal Act, or by the Rules of an Approved Society or Branch. (v) Agreement entered into between an Approved Society, or Branch, and an Insurance Committee in regard to medical benefit under Part I. of the principal Act. IX. DISTRIBUTION OF CIRCULARS, Etc. (759) Copies of all circulars prepared by the Commissioners for the information of Approved Societies are ordinarily issued only to the head offices of Societies. Where it is considered necessary, however, copies will be circulated direct to those registered Branches which are treated as Branches for the purposes of the National Insurance Acts, but copies will not be circulated to Branches which are not so treated. The Commissioners are prepared to consider on their merits applications from head offices or district offices for a sufficient supply of any particular circular for distribution from the head office or district office to Branches which are not treated as registered Branches for the purposes of the Acts. In this connection reference should be made to Circular A.S. 130. (760) In the case of Regulations and other documents which are placed on sale, not more than one copy can be issued to any Society. Such documents can he purchased either directly or through any bookseller from Messrs Wyman & Sons, Ltd., Fetter Lane, London, E.C. APPENDIX A. I.— LIST OF ADDRESSES OF INSURANCE COMMITTEES. Counties. Committee. Bbdfoedshtre . Bekkshiei! . buckinghamshirb CAMBEIDQESHrRE Chbshibe . coknwall . cumbeeland Deebyshibe Devonshiee doesetshteb DtTEHAM Essex . Glotjcesteeshiee Hampshiee . Hbebfoedshtre . Hbetfoedshieb . Htjntingdonshiee Isle of Ely Isle as Wight . Isles as Scilly . Kent . Lancashire Leiobstbeshiee . Linos. (Holland) Linos (Kbsteven) Lings. (Lindsby) Address. The derk, Bedfordshire Insurance Committee, 1, 2, 3, and 4, Association Buildings, Harpur Street, Bedford. The Clerk, Berkshire Insurance Committee, 2, Abbot's Walk, Reading. The Clerk, Buckinghamshire Insurance Committee, 65, BuckJqghamshire Street, Aylesbury The Clerk, Cambridgeshire Insurance Committee, 24, St Andrew's Street, Cambridge. The derk, Cheshire Insurance Committee, 28, Nicholas Street, Chester. The Clerk, Cornwall Insurance Committee, Lloyd's Bank Chambers, Boscawen Street, Truro. The Clerk, Cumberland Insurance Committee, 1, Lonsdale Street, Carlisle. The Clerk, Derbyshire Insurance Committee, 3, Market Place, Derby. The Clerk, Devonshire Insurance Committee, 60, High Street, Exeter. The Clerk, Dorsetshire Insurance Committee, 22, High East Street, Dorchester. The Clerk, Durham Insurance Committee, 20, New Elvet, Durham. The Clerk, Essex Insurance Committee, 58, PiUe- brook Road, Leytonstone, N.E. The Clerk, Gloucestershire Insurance Committee, Shire Hall Chambers, Gloucester. The Clerk, Hampshire Insurance Committee, 9, Southgate Street, Winchester. The Clerk, Herefordshire Insurance Committee, St Peter's House, St Peter's Street, Hereford. The derk, Hertfordshire Insurance Committee, 12, Market Place, Hertford. The derk, Huntingdonshire Insurance Committee, 38 High Street, Huntingdon. The derk. Isle of Ely Insurance Committee, Station Road, March. The derk. Isle of Wight Insurance Committee, 113, Pyle Street, Newport, Isle of Wight. The derk. Isles of SoiQy Insurance Committee, Council Oflflces, St Mary's, Isles of SoiUy. The Clerk, Kent Insurance Committee, Station Road, Maidstone. The derk, Lancashire Insurance Committee, 1, Eishergate Hill, Preston. The derk, Leicestershire Insurance Committee, 144, London Road, Leicester. The derk. Lines. (Holland) Insurance Committee, Spalding. The Clerk, Linos. (Kesteven) Insurance Committee, 16, Einkin Street, Grantham. The Joint derks. Linos. (Lindsey) Insurance Com- mittee, Stonebow, Lincoln. 216 217 Committee. London Middlesex . NOKPOLK NOBTHAMPTONSHIEE . NOETHTTMBEKLAND nottinghamshibe oxeordsherb rutlandshibe . Salop Soke op Pbterborottgh Somerset . Stapfordshire Stjppolk, East StrppoLK, West Surrey Sussex, East Sussex, West . Warwickshire . Westmorland Wiltshire . Worcestershire Yorkshire, East Riding . Yorkshire, North Riding Yorkshire, West Riding . Address. The Qerk, London Insurance Committee, . 6, CShanoery Lane, W.C. The Clerk, Middlesex Insurance Committee, 13, Victoria Street, Westminster, S.W. The Clerk, Norfolk Insurance Committee, 54, Prince of Wales Road, Norwich. The derk, Northamptonshire Insurance Com- mittee, 30, Market Square, Northampton. The Qerk, Northumberland Insurance Committee, 3, Royal Arcade, Pilgrim Street, Newcastle-upon- Tyne. The Clerk, Nottinghamshire Insurance Committee, Clumber Buildings, Clumber Street, Nottingham. The Clerk, Oxfordshire Insurance Committee (County Insurance Office), New Road, Oxford. The Clerk, Rutlandshire Insurance Committee, Church Passage, Oakham. The derk, Salop Insurance Conynittee, Talbot Chambers, Shrewsbury. The Clerk, Soke of Peterborough Insurance Com- mittee, 45, Priestgate, Peterborough. The Clerk, Somerset Insurance Committee, Erome, Somerset. The Clerk, Staffordshire Insurance Committee, Market Square, Stafford. The Clerk, Suffolk, East, Insurance Committee, 62, Carr Street, Ipswich. The Clerk, Suffolk, West, Insurance Committee, 4, Lower Baxter Street, Bury St Edmunds. The Clerk, Surrey Insurance Committee, County Insurance OiEoe, Pe.nrhyn Road, Kingston-on- Thames. The Clerk, Sussex, East, Insurance Committee, 81, High Street, Lewes. The Clerk, Sussex, West, Insurance Committee, County Insurance Offices, Anmdel. The Clerk, Warwickshire Insurance Committee, 15, Waterloo Place, Leamington. The Clerk, Westmorland Insurance Committee, Central Chambers, Lowther Street, Kendal. The Clerk, Wiltshire Insurance Committee, Clerk's Office, Trowbridge. The Clerk, Worcestershire Insurance Committee, Bank House, Shaw Street, Worcester. The Clerk, East Riding Insurance Committee, County Hall, Beverley. The Clerk, North Riding Insurance Committee, White House, High Street, Northallerton. The Clerk, West Riding Insurance Committee, County HaU, Wakefield. Baensley . Barrow-in-Furness . Bath . County Boroughs. The derk, Bamsley Insurance Committee, Market Place, Barnsley. The derk, Barrow-in-Eurness Insurance Com- mittee, 92, Duke Street, Barrow-in-Fumess. . The derk, Bath Insurance Committee, 2, Quiet Street, Bath. 218 Gommiitee. BiKKENHBAD BiRMINaHAM Blaokbtjrn Blackpool . Bolton BOOTLB Bournemouth Bradford Brighton . . Bristol Burnley Btjrton-upon-Teent Bury . Canterbury Carlisle Chester Coventry . Croydon Derby Dewsbury Dudley Eastbourne Exeter Gateshead . Gloucester Great Yarmouth Grimsby Halifax Hastings Address. The Clerk, Birkenhead Insurance Committee, Hamilton Chambers, Hamilton Street, Birken- The Clerk, Birmingham Insurance Committee, 191, Corporation Street, Birmingham. The Clerk, Blackburn Insurance Committee, 44, Ainsworth Street, Blackburn. The Clerk, Blackpool Insurance Committee, Town Hall, Blackpool. The Clerk, Bolton Insurance Committee, Central Hall, 9, Acresfield, Bolton. The Clerk, Bootle Insurance Committee, Central Library, Oriel Road, Bootle. The Clerk, Bournemouth Insurance Committee, 200, Old Christchurch Road, Bournemouth. The Clerk, Bradford Insurance Committee, 38, •King's Arcade, Market Street, Bradford. The Clerk, Brighton Insurance Committee, 82, Grand Parade, Brighton. The derk, Bristol Insurance Committee, Sun Buildings, 1, Clare Street, Bristol. The Clerk, Burnley Insurance Committee, Old Technical School, Elizabeth Street, Burnley. The Clerk, Biu:ton-upon-Trent Insurance Com- mittee, 31, Union Street, Burton-upon-Trept. The Clerk, Bury Insurance Committee, 17, Man- chester Road, Bury. The Clerk, Canterbury Insurance Committee, 30, WatHng Street, Canterbury. The Clerk, Carlisle Insurance Committee, Midland Bank Chambers, Carlisle. The Clerk, Chester Insurance Committee, 21, Old Bank Buildings, Chester. The Clerk, Coventry Insurance Committee, Grey Friars Chambers, Hertford Street, Coventry. The Clerk, Croydon Insurance Committee, 14, Katharine Street, Croydon. The Clerk, Derby Insurance Committee, Old Bank Chambers, Iron Gate, Derby. The Clerk, Dewsbury Insurance Committee, Church Street, Dewsbury. The Clerk, Dudley Insurance Committee, Labour Exchange Room, 15, Holloway Chambers, Priory Street, Dudley. The Clerk, Eastbourne Insurance Committee, 5, Pevensey Road, Eastbourne. The Clerk, Exeter Insurance Committee, The Court House, Exeter. The Clerk, Gateshead Insurance Committee, Savings Bank Buildings, West Street, Gateshead. The Clerk, Gloucester Insurance Committee, Westgate Chambers, Berkeley Street, Gloucester. The Clerk, Great Yarmouth Insurance Committee, Eastolff House, Regent Street, Great Yarmouth. The Clerk, ,Grimsby Insurance Committee, Vic- toria Street, Great Grimsby. The Clerk, Habfax Insurance Committee, 15, King Cross Street, Halifax. The Clerk, Hastmgs Insurance Committee, Queen's Chambers, Harold Place, Hastings. 219 Oommittee. HtTDDBBSFIBLD . Ipswich Exngston-itpon-Htjel Leeds Lbicestbe . LiINCOLN LiVBBPOOL . Manchbstbr Middlesbrough . Nbwcastlb-tjpon-Tyne Northampton Norwich Nottingham Oldham Oxford . . ■ Plymoitth . Portsmouth Pebston Reading Rochdale . Rothbrham St Helens . Salbobd Sheffield . Smethwiok . Southampton Southbnd-on-Sea southpobt . South Shields . Address. The Clerk, Huddersfield Insurance Committee, 4 Byram Street, Huddersfield. The Clerk, Ipswich Insurance Committee, Town Hall, Ipswich. The Clerk, Kingston-upon-HuU Insurance Com- mittee, 6, Wright Street, HuU. The Clerk, Leeds Insurance Committee, 74, New Briggate, Leeds. The Clerk, Leicester Insurance Committee, 58, London Road, Leicester. . The Clerk, Lincoln Insurance Committee, Silver Street, linooln. The Clerk, Liverpool Insurance Committee, Alexandra Buildings, 55, Dale Street, Liverpool. The Clerk, Manchester Insurance Committee, Union Bank Buildings, Piccadilly, Manchester. The Clerk, Middlesbrough Insurance Committee, 79, Grange Road West, Middlesbrough. The Clerk, Newcastle-upon-Tyne Insurance Com- mittee, 26, Ellison Place, Newcastle-upon-Tyne. The^lerk, Northampton Insurance Committee, 31, Market Square, Northampton. The Clerk, Norwich Insurance Committee, 17, Haymarket, Norwich. The Clerk, Nottingham Insurance Committee, 12, Victoria Street, Nottingham. The Clerk, Oldham Insurance Committee, Union Bank Chambers, Church Lane, Oldham. The Clerk, Oxford Insurance Committee, 38 Queen Street, Oxford. The Clerk, Plymouth Insurance Committee, 7, Sussex Terrace, Princess Square, Plymouth. The Clerk, Portsmouth Insurance Committee, Town Hall, Portsmouth. The Clerk, Preston Insurance Committee, 11, Market Street, Preston. The Clerk, Reading Insurance Committee, Broad- way Buildings, Station Road, Reading. The Clerk, Rochdale Insurance Committee, 33, Oldham Road, Rochdale. The Clerk, Rotherham Insurance Committee, Empire Chambers, High Street, Rotherham. The Clerk, St Helens Insurance Committee, 11, Hardshaw Street, St Helens. The Clerk, Salford Insurance Committee, 241, Chapel Street, Salford. The Clerk, Sheffield Insurance Committee, Overend Chambers, 41, Church Street, Sheffield. The Clerk, Smethwick Insurance Committee, 120 High Street, Smethwick. The Clerk, Southampton Insurance Committee, 17, Hanover Bmldings, Southampton. The Clerk, Southend-on-Sea Insurance Committee, Coronation Chambers, 51 High Street, Southend- on-Sea. The Clerk, Southport Insurance Committee, Town HaU, Southport. The Clerk, South Shields Insurance Committee, Edinburgh Buildings, 34, King Street, South Shields. 220 CcymmittRe. Stookpoet . Stoke-on-Tkbnt Sunderland Tynemouth Wat.t.asey . Walsall Waeeikgton West Bkomwioh West Ham West Habtlkpool WiGAN Wolverhampton Worcester York . Address. The Clerk, Stockport Insurance Committee, CentreiJ Buildings, St Petersgate, Stockport. The Clerk, Stoke-on-Trent Insurance Committee, 6, Glebe Street, Stoke-on-Trent. The Clerk, Sunderland Insurance Committee, Baliol Chambers, West Sunniside, Sunderland. The Clerk, Tynemouth Insurance Committee, 7, Northumberland Square, North Shields. The derk, Wallasey Insurance Committee, 4a, Church Street, Egremont. The Clerk, Walsall Insurance Committee, 40, Brad- ford Street, WalsaU. The Clerk, Warrington Insurance Committee, Trinity Chambers, Market Gate, Warrington. The Clerk, West Bromwich Insurance Committee, 2, Lodge Road, West Bromwich. The Clerk, West Ham Insurance Committee, 399 and 401, High Street, Stratford, E. The derk. West Hartlepool Insurance Committee, " Magdala," York Road, West Hartlepool The Clerk, Wig^™ Insurance Committee, 23, Market Place, Wigan. The derk, Wolverhampton Insurance Committee, 62, Ihidley Street, Wolverhampton. The derk, Worcester Insurance Committee, 6, Shaw Street, Worcester. The derk, York Insurance Committee, 11, Castle- gate, York. n.— REFERENCE CIPHERS OF INSURANCE COMMITTEES. Counties. Name. dpher. Bd Name. dpher. Bedford London Ln Berkshire Be Middlesex Mx Buckinghamshire • Bu Norfolk Nf Cambridgeshire Cb. Northamptonshire . . No Cheshire Ch Northumberland •Nr Cornwall Cr Nottinghamshire Nt Cumberland . Cu Oxfordshire . . Ox Derbyshire De Rutlandshire Ru Devonshire . Dn Salop Sa Dorsetshire . Do Soke of Peterborough Sk Durham Dr Somerset Sm Essex Ex Southampton So Gloucestershire Gl Staffordsliire . . St Herefordshire Hr SuflEolk, East Su Hertfordshire.. Ht Suffolk, West Sw Huntingdonshire Hu Surrey Sy Isle of Ely . . le Sussex, East Te Isle of Wight Iw Sussex, West Tw Isles of Scilly Is Warwick Wa Kent Ke Westmorland Ws Lancashire La WUtshire Wl Leicestershire . . Le Worcestershire Wr Lines., HoUand Lh Yorks., E. Ridmg . . Ye Lines., Kesteven Lk Yorks., N. Riding . . Yn Lines., Lindsey LI Yorks., W. Riding . . ' . . Yw 221 II.— REFERENCE CIPHERS OP INSURANCE COMMITTEES— coraimited. County Boroughs. Name. Cipher. Name. Cipher. Bamsley Baa Liverpool, City of . . Lip Barrow-in-Pumess . . " . . Bar Manchester, City of . . Man Bath, City of Bat Middlesbrough Mid Birkenhead. . . Bik Newcastle-upon Tyne, City of New Birmingham, City of Bir Northampton Noh Bilackbum Bib Norwich, City of Nor Blackpool Blp Nottingham, City of Not Bolton Bol. Oldham Old Bootle Boo Oxford, City of Oxr Bournemouth. . Bou Plymouth Ply Bradford, City of . . Bra Portsmouth Por Brighton Bri Preston Pre Bristol, City of Brs Reading Red Burnley Bry Rochdale Roc Burton-upon-Trent . . Bun Rotherham Rot Bury Buy St Helens Sai Canterbury, City of . . Can Salford Sal Carlisle, City of Cal Sheffield, City of . . She Chester, City of Che Smethwiok . . Sme Coventry, City of Cov Southampton ■ Soh Croydon Cro Southend-on-Sea Sth Derby . . Deb Southport . . Sop Dewsbury Dey South Shields Sos Dudley Dud Stockport Spt Eastbourne . . Est Stoke-on-Trent Sto Exeter, City of Exe Sunderland . . Sun Gateshead Gat Tynemouth . . Tyn Gloucester, City of . . Glo Wallasey Waa Great Yarmouth Gry Walsall Wal Grimsby Gyy Warrington . . War Halifax Hal West Bromwich Wbh HastiQgs Huddersfield . . Has West Ham . . Wea Hud West Hartlepool Weh Ipswich Kingston-upon-HuU, City oJ Leeds, City of Ips Wigan Wig Khu Lds Wolverhampton Worcester, City of . . Wom Wos Leicester Lee York, City of Yor Tiincoln, City of Lin - 222 III.— OFFICES OF THE OUTDOOR STAFF OF THE COMMISSION. Division. Northern . . ■ North Western ■ North Eastern ■ Districts. Western (1) Northumberland and Gateshead. (2) Cumberland and West- morland. (3) North Durham (4) South Durham and Middlesbrough. (1) Manchester, Oldham and SaHord. (2) Liverpool, Birken- head, Bootle and WaUasey. (3) North Lancashire . . (4) East Lancashire (5) South Lancashire . . (1) West Riding (North) (2) West Riding (Cen- tral). (3) West Riding (South) (4) North and East Ridings (excluding Middlesbrough). (1) Birmingham, Smeth- wick and West Bromwich. (2) Cheshire (excluding Birkenhead and Wallasey). (3) Stafiordshire (4)Worcestersliire, Shrop- shire and Hereford- fordshire. (6) Warwickshire Headquarters. Market Street, Newcastle - on - Tyne (Divisional Head- quarters).* 18, Bank Street, Carlisle. BaKol Chambers, West Sunniside, Sunderland.* 7, Houndgate, Darlington^ 30, Dickinson Street, Manchester (Divisional Headquarters).* 3, Crosshall Street, Liverpoo.l* 36, Guildhall Street, Preston. 20, Richmond Terrace, Black- bum.* Midland Bank Chambers, 1, Library Street, Wigan. 36, Commercial Buildings, Park Row, Leeds (Divisional Head- quarters).* 34, Byram Arcade, Huddersfield. Tontine Chambers, Haymarket, Sheffield.* Paragon Buildings, Jameson Street, Hull, and 81, Skelder- gate, York. 191, Corporation Street, Birming- ham (Divisional Headquarters).* Parr's Bank Chambers, Nantwich Road, Crewe. 31, Queen Street, Wolverhamp- ton,* and Kong's Chambers, Wolf Street, Stoke-on-Trent.* 50 Poregate Street, Worcester.* 15, Regent Grove, Leamington Spa. 223 III.— OFFICES OF THE OUTDOOR STAFF OF THE COMMISSION— com*. Division. Districts. Headquarters. (1) Leicestershire, Not- 63, London Road, Leicester * tinghamshire and (Divisional Headquarters) and Rutland. 1, King's Walk Chambers, Earliament Street, Notting- ham* {District Headquarters). Central . . / (2) Derbyshire . . Old Bank Chambers, Irongate, Derby.* (3) Bedfordshire, Hunt- 47, High Street, Bedford. ingdonshire and Northamptonshire. (4) Buckinghamshire and Brook House, Francis Street, Hertfordshire. London, W.C. / (1) Norfolk and Cam- 3, Alexandra Mansions, Prince of bridgeshire. Wales Road, Norwich.* (2) Lincolnshire . . St Edmond's Chambers, Silver Eastern Street, Lincoln. (3) Suffolk 17, Museum Street, Ipswich. (4) Essex . . Brook House, Francis Street, London, W.C. (1) London Central Brook House, Francis Street, W.C* {Divisional Office). (2) „ North 146, High Street, Camden Town, N.W. Metropolitan (3) „ North East.. 477, Hackney Road, N.B. (4) „ East 127, High Street, Whitechapel, E. 250, Earl's Court Road, S.W. (5) „ West (6) „ South 15, St George's Road, S.E.* (1) Bristol and Bath '. . 3, Woodland Road, Tyndall's Park, Bristol {Divisional Head- quarters).* (2) Gloucester and Somer- 3, Woodland Road, TyndaU's South Western set. Park, Bristol {Divisional Head- quarters).* (3) Wilts and Dorset . . 20, Oatmeal Row, Salisbury, (4) Devonshire and Corn- 7, Bedford Circus, Exeter.* wall. - ' (1) Middlesex and Surrey Brook House, Francis Street, W.C* (Divisional Office). (2) Kent 24, Stone Street, Maidstone.* (3) Sussex 24, Gloucester Place, Brighton. South Eastern - (4) Hampshire . . Inland Revenue Chambers, 59 High Street, Southampton.* (5) Berkshire and Ox- The Cedars, London Road, ^ fordshire. Reading. The offices at which women inspectors or women assistant inspectors are stationed are marked with asterisks. 224 Q iz; Ah OS m »a en «Jl 1^ u O H as 5 g o u o < OS iz; i OS o s iz; O C9 o CO m Oi be CS a «3 CO t-l O •a -4-3 § o ^ 1 H OS 1 .a N < m EH 0) tM (^ ^ < 1 QQ s m , I g 13 .a -s • •43 I (-1 2 tpl 5, S ° S c^ ^ . «a J a S s g o o w 9 S 3 5 o (D g fc! hi O ^ 1 5 3 I" li d I a a a.-s a -2 a f^'s A d S ^ S 225 ,a ce H ^ rs &, 03 o tn ^ a i> IB O o 09 f«5 § o e m t-i o a o I a iz; o H 2 © O' si 13 Tj o 13 13 Si ^ 13 S^ » ■ c3 ^ <0 S g cS g ft n 13 P ^) _Q O _Q 13 S'^'5 a - 0° - — ~ 1^^ ^ g ^ P g o ft-g ^ r-l o - « ^ a -Si ^^ 226 o S s CO CO O s ^2 (J) |i ^.^ s -a ■ o u a> >j o ,£3 .a ^^ n o d to ' fl Tg .2 +3 o " a •^ o H o ■§ -^ PQ H -12 e3 2 a ■s a » o 5 11 Si .§5 -i g s s H ri o .2 fl [3 4^ i 6 >'m~ o g tt ■S-.S -s a m re T-H 05 o o o es o I O O i o M o u eS s »4 pq J3 M g V o a-s-g crt CQ O 50 '*-' ■I S of "i a i5 ^ 4< n.ri M 07 ® 'S on M o S ^ ft) O ^ O O i-H 03 O o u o o S S CO 8 Q O -S I ;5 O J2 £ o C5 rS §11 I 8 b t! ^ 03 O ^ 'So +3 H 228 CO I— I 03 o -< o eiH S> «) O CO o "-^ CO « > t-l o > .a |« a "S .2 -« .2 § (3 a -s fro o a § H ° g =« r^ .iS ,-i m ■ ee 53 rj S TS .s a 8 o 2 ACS 5 o :ti t-t .— I _o d o o ; >3 ^ il 03 d .§ a •^ o > g s a Q .as (z; p— 1 'j'S w '^ o ^ <» d -t="2:S Hod S ft : « ft ft (^•2 Ft -^ CO 11 i .9 == =8 (B O m si a a v o ■B.A a =3 bT .2 » d c3 •a **''§ y d " o ^ CO f— ( 05 O u o CO O a o K W s~ , 00 1-^ S tR •.s> i-H O rn s ca o 11^^ a f3 T3 d o n H -Sr 232 T— ( ^S^ O a o s a IM (4 o -♦* M a o >> ;^ S o > o 2 a S fl K 1 ■5 -^ pa J a S 3 S o s OS SS opq O QQ si ■J3 02 la, 2« q^ a 5 ■a S S^ O O O h ■§ g r* s.s la'ai o -a H I a §^4 a'S^S:^ O O m ^ -a g £ .2 S.P Son I 1 s sl.s § ^ pq a CO M f-H 05 ». TS '^ O ' . •g o « -g ^ o g el „ » - i-^ S*^ O la-^^i t> -«; •i) m r* in i*a o o -S TS 0) rt S a .£3 «3 s » .■So* s S'S s e i.'^^i § is-s =0 mi dan eks, eks. o .11^^^ t^ O CO CO ig -B rt rt tv, f§ s 233 I „ =3 • S ■'^ o '^ s - •15 (b' fl -ti ° 3 O H ^ ■ S CQ O 2 iniS ■9-§ . S » CO 55 'Si S dd 2"|.S si E-i »4 O s g eS ^ V i—i a w ^ rn rn ■a < .« ^ ^ o C8 § d c ■* -S .S . d (8 « Pi .a O M 8 -+3 a» w «^ ■-. d « o . © ^ ft- ^^ Sd"-3° C3 ® H S © g ft M ^ J*Scd a> -»^ 0) b( '^ P .g.fci ^ o ,J= ^ ^ i Oh M ^ ^ d ^ > a a o > i o O) ■ fh «4 s I 1^ S pq B "s -a -B . O H Q ,^ (B S 2 a I o a o3M as O S.2 o ■« S ■111 4 6' §3 ^^ .■2 =3 c » f ausl^ o o s ." o -« o fl o ^ ^ S o CD o o s o 235 APPENDIX C. TABLES OF RATES OP CONTRIBUTIONS, REDUCED BENEFITS, ETC., MENTIONED IN THE MODEL RULES. TABLE A. RATES OF CONTRIBUTION PAYABLE BY ORDINARY VOLUNTARY CONTRIBUTORS ENTERING INTO INSURANCE BEFORE 13th OCTOBER 1913. [This Table does not apply to Ireland.] Age at date of entry into Insurance. Weekly Contribution. Men. Women. s. d. s. d. Age 16 and under 45 7 6 „ 45 46 . 9 8 „ 46 47 . 9 8J ., 47 48 . 9i 8| „ 48 49 10 9 „ 49 50 . 10 9 „ 50 51 . lOJ 9J „ 51 52 . .- m 9J „ 52 53 . 11 10 „ 53 54 . Hi 10| „ 54 55 . 1 11 „ 55 56 . 1 Oi 11 „ 56 67 . 1 1 llj „ 57 58 . 1 u 1 „ 58 59 . 1 2 1 Oi „ 59 60 . 1 2i 1 1 „ 60 61 . 1 ^ 1 1 „ 61 62 . 1 3 1 H „ 62 63 . 1 Si 1 14 „ 63 64 . 1 3i 1 ij „ 64 65 . 1 3i 1 li „ 65 70 . 1 3 ] Oi 236 TABLE B. RATES OF CONTRIBUTION PAYABLE BY ORDINARY VOLUNTARY CONTRIBUTORS ENTERING INTO INSURANCE ON OB AFTER 13th OCTOBER 1913. [This Table does not apply to Ireland.] Weekly Weekly Age at date of Contribution. Age at date of Contribution. entry into entry into Insurance. Insurance. Men. Women. Men. Women. s. d. s. d. s. d. «. d. 16 and under 17 7 6 40 and under 41 94 84 17 „ 18 7 ei 41 „ 42 94 84 18 „ 19 7i 6J 42 „ 43 10 9 19 „ 20 7i 6J 43 „ 44 10 9 44 „ 45 104 94 20 „ 21 7J 64 21 „ 22 7i 64 45 „ 46 104 94 22 „ 23 ^i 64 46 „ 47 11' 10 23 „ 24 n 64 47 „ 48 11 10 24 „ 25 n 64 48 „ 49 114 104 49 „ 50 114 104 25 „ 26 8 7 26 „ 27 8 7 50 „ 51 1 11 27 „ 28 8 7 51 „ 52 1 04 11 28 „ 29 8 7 52 „ 53 1 04 114 29 „ 30 8 7 53 „ 54 1 1 1 "" 54 „ 55 1 14 1 04 30 „ 31 8 7 31 „ 32 8i 74 65 „ 56 1 2 1 04 32 „ 33 8J 74 56 „ 57 1 24 1 1 33 „ 34 8^ 74 57 „ 58 1 3 1 14 34 „ 35 8J 74 58 „ 59 1 34 1 2 59 „ 60 . 1 4 1 24 35 „ 36 9 8 36 „ 37 9 8 60 „ 61 ^ 1 44 1 24 37 „ 38 9 8 61 „ 62 1 44 1 3 38 „ 39 9J 8 62 „ 63 1 6 1 3 39 „ 40 94 84 63 „ 64 1 6 1 -3 64 „ 65 1 5 1 3 66 „ 70 1 44 1 2 TABLE C. Table C, which related to the effect of arrears on the benefits of voluntary contributors, is no longer in force. 237 TABLE D. REDUCED RATES OP SICKNESS BENEFIT FOR EMPLOYED CON- TRIBUTORS ENTERING INTO INSURANCE ON OR AFTER 13th OCTOBER 1913, AND THE CAPITAL SUMS WHICH MUST BE PAID IN ORDER TO SECURE THE FULL RATES OP BENEFITS. [Such members have the option of (a,) being subject to the reduced rates of Sickness Benefit ; or (b) paying the capital sums required to qualify for the full rate of benefit ; or (c) paying the difference between the employed rate and the voluntary rate applicable to their age at entry (which can be found from Table B) to qualify for the full rate of benefit.] Men. Women. ns required Capital sui Age at date of entry Capital \ to qualify for f uU into Insurance. Reduced sums Reduced rate of Benefit. rate of Sickness required to qualify for rate of Sickness Benefit. f uU rate of Benefit. Benefit. Spinsters and Widows. Married Women. (1) (2) .(3) (4) (5) (6) «. d. £ s. d. s. d. £ s. d. £ s. d. 17 and under 18 , , *7 5 9 6 18 „ 19 *9 17 6 *6 6 10 6 19 19 „ 20 *8 6 1 6 6 *6 15 6 1 8 6 20 „ 21 *8 1 15 *5 6 1 6 1 18 21 „ 22 8 2 2 5 1 1 6 2 8 22 „ 23 7 6 2 9 6 5 1 2 6 2 8 23 „ 24 7 2 15 6 5 1 3 6 2 8 24 „ 25 7 3 1 5 15 2 8 6 25 „ 26 6 6 3 7 5 16 6 2 8 6 26 „ 27 6 6 3 12 6 5 1 8 2 8 6 27 „ 28 6 3 17 6 5 1 10 2 9 28 „ 29 6 4 3 5 1 11 6 2 9 29 „ 30 5 6 4 8 5 1 13 6 2 9 30 „ 31 5 4 13 5 1 15 2 9 6 31 „ 32 5 4 18- 5 1 17 2 9 6 32 „ 33 6 4 18 5 1 18 2 10 33 „ 34 5 4 18 6 5 1 19 6 2 10 34 „ 35 5 4 18 6 5 2 6 2 10 35 „ 36 5 4 18 6 5 2 2 2 10 36 „ 37 . 5 4 19 5 2 3 2 10 6 37 „ 38 5 C 4 19 5 2 3 6 2 10 6 38 „ 39 5 4 19 5 2 4 6 2 10 6 39 „ 40 5 4 19 5 2 5 2 10 6 * The reduced rate of sickness benefit provided by the Act in the case ol persons who are under the age ot 21 and hare no dependants is not aflected by this Table. 238 TABLE D — continued. Men. Women. Capital sums required Age at date of entry Capital to qualify for full into Insurance. Reduced sums Reduced rate of Benefit. rate of Sickness required to qualify for rate of Sickness Benefit. f uU rate of Benefit. Spinsters 'Mst,Tv\(ic\ Benefit. and Widows. Women. (D __i2[__ (3) (4) (5) (6) s. d. £ s. d. s. d. £ S. d. £ s. d. 40 and under 41 5 4 18 6 5 2 5 6 ] 2 10 6 41 „ 42 5 4 18 6 5 2 6 2 10 6 42 „ 43 5 4 18 5 2 6 6 1 2 10 43 „ 44 5 4 18 5 2 6 6 ! 2 10 44 „ 45 5 4 17 6 5 2 7 I 2 10 45 „ 46 5 4 17 5 2 7 2 9 6 46 „ 47 5 4 16 6 5 2 7 12 9 6 47 „ 48 5 4 15 6 5 2 7 2 9 48 „ 49 5 4 15 5 2 7 2 8 6 49 „ 50 5 4 14 5 2 6 6 2 8 50 „ 51 5 4 12 6 5 2 6 2 7 6 51 „ 52 5 4 11 6 6 2 5 6 2 6 6 52 „ 53 5 4 10 5 2 5 2 6 53 „ 54 6 4 8 6 5 2 4 2 5 54 „ 55 5 4 6 6 5 2 3 6 2 4 55 „ 56 5 4 4 5 2 3 2 3 56 „ 67 5 4 16 5 2 16 2 16 57 „ 58 5 3 19 5 2 2 58 „ 59 5 3 16 5, 1 18 6 1 18 6 59 „ 60 5 3 12 6 5 1 16 6 1 16 6 60 „ 61 5 3 8 6 5 1 14 6 ; 1 14 6 61 „ 62 5 3 4 5 1 12 1 12 62 „ 63 5 2 19 5 19 6 19 6 63 „ 64 5 2 13 6 5 16 6 16 6 64 '„ 65 5 2 7 5 13 6 13 6 65 „ 66 5 2 5 10 10 66 „ 67 5 1 12 5 16 16 67 „ 68 5 1 3 5 11 6 11 6 68 „ 69 6 13 5 6 6 10 6 6 69 „ 70 5 6 5 3 3 TABLE E. Table E (under Section 6 (2) of the Act of 1911) has not yet been issued. 239 TABLE F. Table V, which related to reduced rates of benefit tor persons over 65 years of age, is no longer in force. TABLE G. ALIENS. [For definition of " Alien " see paragraphs (465) to (468).] This Table is Optional foe Societies. Conditions of Benefit. — The sickness, disablement, and maternity benefits provided in this Table shall become payable at the times and under the conditions expressed in the Rules for insured members who are British subjects, and in the case of an unmarried minor having no dependants the sickness and disablement benefits shall be reduced to the amounts specified in Table B in Part I. of the Fourth Schedule of the principal Act, where such rates of benefit are lower than those shown in these Tables. RATES OP SICKNESS, DISABLEMENT, AND MATERNITY BENEFITS FOR AN EMPLOYED CONTRIBUTOR WHO CONTRIBUTES:— (I) If a man, 7d. a week if in England, Scotland, or Wales, or 5Jd. a week if in Ireland. (II) If a woman, 6d. a week if in England, Scotland, or Wales, or 4J^d. a week if in Ireland. Men. Age at jntry into Insurance. 17 and under 19 19 21 21 25 25 30 30 35 35 40 40 45 45 50 50 55 55 60 60 70 Sickness Disablement ■ Benefit. Benefit. i Maternity Benefit. 1 be per week. Rate per week. [ s. d. ! a. d. 10 0* 5 i £1, 10s. if 9 6* 4 9 the wife was 8 6 4 3 a British sub- 7 6 3 9 ject before 7 6 3 3 6 marriage. r £1, 3s. 4d. 5 6 2 9 if the wife 4 6 2 3 was not a 3 6 1 9 1 British sub- 2 6t 1 3t ject before 2 Of 1 ot marriage. * If the member is unmarried, and does not prove that one or more members of his family are wholly or mainly dependent upon him, the rates are 6s. for the first 13 weeks and 5s. for the next 13 weeks. t In Ireland. 3s. t In Ireland, Is. 6d. 240 TABLE G — continued. Women. Spinsters and Widows at Entry Married Women at Entry. Sickness ^^f J^' Sickness Disable- ment Benefit. Age at entry into Insurance. »«"«fl*- 1; Benefit. i Maternity Benefit where payable. Benefit. Maternity Bepefit where payable. Rate per Rate per Rate per Rate per week. week. week. . week. . d. s. d. s. d. s. d. *. d. s. ■ d. 17 and under 19 7 3* 4 9* 4 6 3 19 „ 21 7 0* 4 6* 4 6 3 21 „ 25 6 6 4 3 4 6 3 25 „ 30 5 9 ^39 4 6 3 30 „ 35 5 3 3 ' 4 3 2 9 35 „ 40 4 2 9 \ 18 3 9 2 6 \ 18 40 '„ 45 3 6 2 3 3 3 2 45 „ 50 2 9 1 9 2 6 1 9 50 „ 55 2 Ot 1 6 . 2 Of 1 6 55 „ 60 1 6t 1 Ot 1 6t 1 Ot 60 „ 70 - 9t - 6t - 9t - 6t * II the member is unmarried, and does not prove that one or more members ol her family are wholly or mainly dependent upon her, the rates o£ benefit are : Sickness benefit, 5s. per week for the first 13 weeks, and 4s. per week for the next 13 weeks ; Disablement benefit, 4s. per week. t In Ireland, 3d. more. RATES OP SICKNESS, DISABLEMENT, AND MATERNITY BENEFITS FOR VOLUNTARY CONTRIBUTORS PAYING CONTRIBUTIONS IN ACCORDANCE WITH SECTION 5 OF THE ACT :— Men. Entered into Insurance before Entered into Insurance on or 13th October 1913. after 13th October 1913. Age at entry 1 into Insurance. Sickness | Disable- Sickness Disable- Benefit ment Maternity Benefit ment Maternity per 1 Benefit Benefit. per ' Benefit Benefit. week, per week. week. per week. 8. d, a. d. £ s. d. s. d. i 8. d. £ 8. d. 17 and under 25 25 „ 35 35 „ 45 \ Rates as for Employed j ( Contributors. 1 10 9 6 9 . 5 ! 4 9 4 6 1 10 or 45 „ 60 7 3 6 lUlOOor^ 8 6 4 3 1 3 4* 60 „ 70 7 3 6 /I 3 4* \ 8 4 J * £1, lOs. if the wife was a British subject before marriage. £1, 33. 4d. if the wife was not a British subject before marriage. 241 TABLE G— continued. Women. ' Entered into Insurance before 13th October 1913. Entered into Insurance on or after 13th October 1913. Age at entry into Insurance. Sickness Disable- Benefit ment per Benefit week, per week. Maternity Benefit where payable. Sickness Benefit per week. Disable- ment Benefit per week. Maternity Benefit where payable. 17 and under 25 25 „ 35 35 „ 45 45 „ 60 60 „ 70 s. d. s. d. \ Rates as for Em j Contribute] 6 1 3 3 5 13 3 s. d. ployed j -s. [ 1 ^^ °{ s. d. 7 6 7 6 6 6 6 s. d. 5 4 9 4 3 4 4 s. d. 18 MARRIED WOMEN VOLUNTARY CONTRIBUTORS. Benefits and Contribution during suspension from the Ordinary Benefits :— Sickness Benefit . . . . During the first 13 weeks, 3s. 6d. a week. second 2s. Disablement Benefit Contribution 2a. a week. 3d. „ Note. — The foregoing Tables for aliens apply only to persons joining a Society who have not previously been Deposit Contributors, or to persons joining a Society before 31st December 1914 whether previously Deposit Contributors or not. In the case of persons transferring from the Deposit Contributors Fund after 31st December 1914 special calculations will be required, and the rate of benefit will be supplied by the Commissioners on application. ARREARS OF ALIEN MEMBERS. Where the ordinary rate of benefit of an alien member (whether a man or a woman) is less than 5s.* a week and the net penalty arrears do not exceed 16, a reduction of Td. (6d. for a woman) a week for each net penalty arrear is to be made during the first six weeks of benefit in the following penalty year, notwithstanding that this may have the effect of reducing the rate of benefit below 2s. a week for a man, or Is. 6d. a week for a woman. TABLE H. ADDITIONAL BENEFITS OP VALUE EQUIVALENT TO A REDUC- TION OP SICKNESS BENEFITS UNDER SECTION 9 (2) OF THE ACT OF 1911. Under Section 9 (2) of the Act a Society is empowered, in cases in which the amount of the sickness benefit to which a member is entitled f exceeds two-thirds of his usual rate of wages, to reduce the sickn^s benefits to such two-thirds, and provide some other benefit of equal value to the reduction made. A society may . exercise discretion in deciding whether or not to apply Section 9 (2) to a particular case. * Where the ordinary rate is 53. or more, the insured person will be entitled to a minimum rate of 2s. a week (Is. 6d. a week for a woman) unless the arrears exceed 16, when the benefit is suspended. t The fact that a man is receiving sick pay from the private side of his Society makes no difference whatever to his sickness benefit under the Act. 16 242 TABLE H — continued. This table is issued as a guide to Societies, and may be adopted by them. If any other forms of benefit are submitted by a Society for the approval of the Commissioners, the application should be accompanied by actuarial evidence in support of the financial soundness of the proposal. Under this Table a Society may choose one (but not more) of the alternative methods, but no option may be exercised by individual members of the Society. MAIiSS OB FUMALES. "■ Reduction of sickness benefit. 1 Equivalent additional benefit to be applied to all the persons to whom the reduction of sick- ness benefit is made applicable. 2s. 6d. per week Repayment of the contributions paid to the extent of one halfpenny per week. Is. 6d. per week (Men) Is. Od. „ {Women) Payment of sickness benefit at the rate so reduced from the first day of sickness instead of from the fourth day. Is. Od. per week [Or if a greater reduction be made, the sum of lid. per member named in the next column may be increased correspondingly. ] Provision for medical treatment and attendance for any person dependent on the labour of members of the class, or for the payment of the cost, or part thereof, of dental treatment for any such member, to such extent as vnll absorb a total sum of not more than elevenpence per annum for the average of the number of members in the class at the be- ginning of the year and at the end of the year respectively. APPENDIX D. MODEL LETTERS, NOTICES, AND AGREEMENTS I.— MODEL LETTERS. Form A. S. 48 (i). NATIONAL INSURANCE ACTS, 1911-1913. Name of Society Approval No Name of Branch No Madam, I have received notice that you were married on •. 19.... It is now my duty to explain to you the difference which this makes to your insurance under the National Insurance Acts, but in order to enable me to do this it is necessary that you should first answer the questions below. I have therefore to request you to answer these questions, to sign your name at the foot of the form, and to return the form to me as soon as possible in the enclosed addressed envelope (which must be stamped with a halfpenny stamp and left unsealed if sent through the post). If you do not return the form pro- perly comploted you mxj lose some valuable privileges under the Acts. Secretary. Date. Mrs Membership No 243 I.— MODEL LETTERS— continued. QUESTIONS. Answers. (1) Are you still at work ? If so, for what employer ? (2) If not, when were you last at work ? For what employer ? At what trade ? (3) Do you now mtend to give up work altogether ? (4) If not, are you seeking work ? If so, what work ? (5) Any further remarks ? Member's Signature. Date. Form A.S. 48 (2). NATIONAL INSURANCE ACTS, 1911-1913. Name of Society Approval No Name of Branch No Madam, I have to inform you that in accordance with the answers given by you to the questions on Form A.S. 48 (1) you are entitled to continue in insurance for the present as an employed contributor. Your contributions and benefits will therefore continue as hitherto. If you should at some future date cease to be employed, you should, except in the case of purely temporary unemployment, at once inform me of the fact in order that I may let you know how your insurance will be effected. Secretary. Date. Mrs Membership No. Form A.S. 48 (3). NATIONAL INSURANCE ACTS, 1911-1913. Nam^ of Society Approval No. Name of Branch No Madam, I have to inform you that~you are not entitled to continue in insurance as an employed contributor, and have therefore been suspended from the ordinary benefits of the National Insurance Acts as from You must now choose one of the following courses : — 244 L— MODEL LETUBBS— continued. (1) To become a Special Voluntary Contributor. In this case you mil have to pay contributions of 3d. a week for each week from the above date, and you will be entitled to : — Medical benefit. Sickness benefit of 5s. a week for the first thirteen weeks of incapacity, and 3s. a week for the second thirteen weeks. Disablement benefit of 3s. a week. Sickness and disablement benefits will not be payable during the two weeks before and four weeks after confinement unless you are suffering from a disease or disablement not connected with childbirth.* (2) Not to become a Special Voluntary Contributor. In this case you will not pay any further contributions (unless you again become employed), and you will only be entitled to receive payments until the sum available, after allowance for the cost of your past insurance, is exhausted. This sum will amount in your case to Payments out of this sum will be made to you (a) on confinement at the rate of 5s. a week for a period not exceeding four weeks on any one occasion,* (6) of such amounts as yoiur Society may think proper, during any period of sickness or distress. When the whole sum is exhausted, you will not be entitled to any more benefits. If you desire to become a special voluntary contributor, write " Yes " in answer to the question on the accompanying form ; it you do not, write " No." You should then sign the form and return it to me in the enclosed addressed, envelope, which must be stamped with a halfpenny stamp if sent through the post. You must make your choice within one month from the date at the foot of this form, and you should remember that when once you have mad^ your choice between these two courses you cannot alter it, so that you should consider carefully your own and your husband's circumstances before deciding. Unless I hear from you within a month, you wUI be regarded as having chosen not to become a special voluntary contributor. Secretary. Date. * Note. — As you are no longer an employed contributor, no "maternity" benefit is payable to you (whichever of the two courses you choose), except in respect of your husband's insurance. Form A.S. 48 (4) NATIONAL INSURANCE ACTS, 1911-1913. Makried Woman who has ceased to be Employed. Name of Society Approval No Name of Branch No Please read Form A.S. 48 (3) carefully and then answer this question. Do you wish to become a Special Voluntary Contributor ? {Here vrrite " Yes" or " No") Member's Signature. Membership Number. Date. This form when filled up must be sent to the Secretary of the Society in the envelope sent with it. If it is sent back through the post a haKpenny stamp must be put on, and the envelope left unsealed. 245 I.— MODEL LETTERS— coratotterf. Form A.S. 48 (5). NATIONAL INSURANCE ACTS, 1911-1913. Name of Society Approval No Name of Branch No Madam, I have to inform you that you are now, in accordance with your request, a Special Voluntary Contributor. I enclose a contribution card (H), on which you should place 3d. Insurance Stamps for each week from You will be entitled to the benefits shown on Form A.S. 48 (3), which has already been sent to you, and you are hereby exempted from being treated, as regards your benefits, as an ordinary employed contributor if you obtaia employ- ment from time to time, and will continue to draw benefits as a Special Voluntary Contributor with the addition of the special benefits shown below. The employer will put the usual stamps on (in ordinary cases 6d. stamps), and will recover the ordinary amount from your wages, as if you were an employed contributor. But the stamps will be put on your Special Voluntary Contributor's (H) Card, 3d. of the fid. stamp put on by your employer will be treated as your contribution as a Special Voluntary Contributor, and the other 3d. will be used for your personal benefit. [Here Society should give particulars of the manner in which the balance will be applied.]* This form will explain to your employer, if he wishes to know, why you are pfesenting an H Card instead of an ordinary employed contributor's card. If at any time you become permanently employed again and would prefer to be insured as an employed contributor, you' should inform me of your wish. In that caae it would not be possible for you to become a Special Voluntary Contributor again it you should cease to be employed. Mrs. Secretary. Membership No Date, * The Commissioners have suggested that a suitable way of expending the balance would be to pay off any arrears which the member has incurred, or to keep U in hand towards the 'payment of h&r further contributions as a Special Voluntary Contributor after she has ceased to be employed. IL— MODEL NOTICES, (i) Pkovisional Acceptance op Tbansfeering Mbmbeb. (Form A.S. 77.) Approved Society. No To Registered Branch. No. I certify that the above-named Society will admit you to membership on your ceasing to be a member of your present Society with the consent of that Society, or, if such con-ont is withheld, on it being decided that consent was unreasonably withhp\l. Address. Date. 246 Date of receipt by Society. II.— MODEL NOTICES— cojife'muerf. (ii) Poem of Application fob Consent to Transfer. (Form A.S. 73.) To be completed by the Member and forwarded to his present Society. To the Secretary. Approved Society. No Registered Branch. No * If the Society so re- quires, the reason for desiring to withdraw should be stated here. I, the undersigned, being desirous of transferring to another Society, hereby apply for the consent of the above-named Society to the termination"of my membership of the Society.* Member's Full Postal Address : — Member's Signature Member's No. Date (iii) Consent to Transfer. {Form A.S. 73a, Revised.) To be completed if consent is given, and forwarded to the Member within one month of receipt of application by the Society. Approved Society. No Registered Branch. No To No I certify that the above-named Society consent to your terminating your * This date membership of the Society, as from the day of 191 . . . .* should be the last day either „'"'.' of the 13th Secretary. iTstVeek^a^ ^'^-^ half-yearly . card period. ^^^^ [This form, when completed, must he sent at once by the Member to the Society he wishes to join.'] (iv) Refusal of Consent to Transfer. (Form A.S. 73b, Revised.) To be completed if consent is not given, and forwarded to the Member within one month of receipt of application by the Society. Approved Society. No ■ Registered Branch. No To No I certify that the above-named Society do not consent to your ceasing your membership of the Society. Secretary. Address Date [A Member receiving this Form should at once inform the Society which he vnsha to join that his old Society has refused consent to his withdrawal.] 247 III.— MODEL FORMS OF AGREEMENT. (i) Model AaRBBMUNT between an Appboved Society and Hospital ob OTHER Institution tjndeb Section 12 (2) (c), tor Individual Cases. Aobeembnt made the day of Nineteen hundred and between of for and on behalf of the Society, hereinafter called " the Society," of the one part, and ; of for and on behalf of the Committee of the Hospital, hereinafter called "the Hospital," of the other part, whereby it is agreed as follows : — In consideration of the Hospital maintaining and treating (or continuing to maintain and treat) of a member of the Society, being a person with no dependants within the meaning of the National Insurance Act, 1911, as an inmate of the Hospital, the Society agree to pay to the Hospital as from the day of the sum of per week during such period as the said shall continue to be an inmate of the said Hospital, and the Hospital agree to apply the sums so paid to them under this Agreement towards the maintenance and treatment of the member in the said Hospital, provided that the sum payable in any week under this Agreement shall not exceed the sum which, but for the provisions of Section 12 of the Act, would have been payable in that week to the said on account of Sickness or Disablement Benefit. (Two Witnesses for each Signature as in the succeeding Form.) Note. — The foregoing would meet the case of Sickness Benefit. For Maternity Benefit the necessary adaptations should be made. (ii) General Agreement between an Approved Society and Hospital or other Institution under Section 12 (2) (c), etc Minute op Agreement between being a Hospital, Asylum, Convalescent Home, or Infirmary, supported by a charity or voluntary subscriptions (hereinafter referred to as " The In- stitution ") of the. first part ; and being an Approved Society under the National Insurance Act, 1911 (herein- after referred to as " The Society "), of the second part ; Whereas by Section 12 of the said Act, it is inter alia provided that no payment shall be made on account of Sickness or Disablement Benefit to any person during any period when the person to whom the benefit is payable is an inmate of any Hospital, Asylum, Convalescent Home, or Infirmary, supported by a charity or voluntary subscriptions, and that during such period as aforesaid, the sum which would otherwise have been payable on account of any such benefit where the insured person being a member of an Approved Society is an inmate of a Hospital, Asylum, Convalescent Home, or Infirmary, supported as aforesaid, and has no dependants, shall, it an agreement for the purpose has been made between the Society and the Hospital, Asylum, Convalescent Home, or Infirmary, be paid in whole or in part, according to such agreement, towards the maintenance of said person in the Hospital, Asylum, Convalescent Home, or Infirmary ; And whereas the parties hereto have resolved to enter into this agreement in manner under written : Therefore the parties hereto have agreed and do hereby agree as follows : — (1) The Society shall pay to the Institution * » The whole of the weekly sum which would otherwise have been payable on or such part as account of Sickness or Disablement Benefit to any insured member ™*^*'* ^'^^ 248 III.— MODEL FORMS OP AGREEMENT— cowiimMoi. of the Society who is an inmate of the Institution and has no dependants, in respect of any period during which he is such an inmate, towards the maintenance and treatment of such member in the Institution. (2) The Institution shall intimate to the Society immediately any insured member of the Society has become an inmate of the Institution, and, further, shall furnish free of charge to the Society such certificates of incapacity by a medical practitioner as the Society in pursuance of its rules may require in connection with any claim for Sickness or Disablement Benefit by or in respect of the insvured member while he is an inmate of the Institution. (3) The Institution shall provide each insured member of the Society, while an inmate, not only with all food and other usual maintenance, but also with all medical and surgical attendance and treatment, including medicines, drugs, and apphanoes, so far as usually provided by the Institution, and shall allow the insured member to remain an inmate of the Institution so long as may be reasonably necessary according to the circumstances of each particular case. (4) Nothing herein contained shall require any member of the Society to become or to remain an inmate of the Institution. (5) This Agreement shall be subject to the provisions of the National Insurance Acts, and any amendments thereof, and all Orders and Regulations made thereunder. (6) This Agreement shall continue in force until terminated by either party giving to the other party three months' previous notice in writing, and on the expiration of said period this Agreement shall cease and determine. • Insert full Signed for and on behalf of the Institution by * names and a statement of „i V, "j i the offices held ^* on the day of by the Signa in presence of tones. Name, AdAress, Designation. Witness. Name, : Address, < Designation. [ Witness. Signed for and on behalf of the Society by ' at on the day of in presence of Name, Add/ress, Desigrmtion. Witness. Name, Address, Witness. 249 APPENDIX E. LIST OF SANATORIA AND OTHER RESIDENTIAL INSTITUTIONS APPROVED BY THE LOCAL GOVERNMENT BOARD UNDER THE NATIONAL INSURANCE 'ACT, 1911, FOR THE TREATMENT OF PERSONS SUFFERING FROM TUBERCULOSIS. AND RESIDENT IN ENGLAND (EXCLUDING MONMOUTHSHIRE), WITH THE NAMES OF THE ADMINISTRATIVE COUNTIES AND COUNTY BOROUGHS IN WHICH THE INSTITUTIONS ARE SITUATE. Counties. BBDrOEDSHIKE Daneswood Sanatorium, Wobum Sands. Bekkshtrb — ■ Abingdon Tuberculosis Hospital. Pinewood Sanatorium, WoMngham. BUCKINGHAMSHIBB Royal Buckinghamshire Hospital, Aylesbury (for " observation " (Mses). CAMBEIDaBSHIKB , Cambridge Isolation Hospital. Cheshibe — Baguley Sanatorium (Manchester Corporation). Barnes Convalescent Home, Cheadle (for " surgical " cases only). Bowdon Sanatorium. Children's Convalescent Home, West Kirby. Leasowe Hospital for Crippled Children. Liverpool Sanatorium, Kingswood. Royal Liverpool Country Hospital for Children, Heswall. Crossley Sanatorium, Kingswood. Wallasey Private Nursing Home, New Brighton. Crewe Isolation Hospital. General Infirmary, Macclesfield (for " surgical " cases only). Macclesfield Smallpox Hospital, Moss Lane, Macclesfield. Cornwall — Tuckingmill, Penlu Terrace (Dispensary tvith " observation " beds). CUMBEBLAND Blencathra Sanatorium. Debbyshere — Penmore Tuberculosis Hospital. Walton Sanatorium, near Chesterfield. Ashover Sanatorium, Chesterfield. Devon — Barnstaple, 9, Castle Street (Dispensary with " observation " beds). Devon County Sanatorium at Hawkmoor, Lustleigh. Devon and Cornwall Sanatorium, Didworthy. MUdmay Consumptive Home, Torquay (for " advanced " cases of pulmonary tuberculosis only). Newton Abbot Isolation Hospital (for " advanced " cases of pulmonary tuberculosis only). St Barnabas' Home, Torquay. St Luke's Home, Torquay. St Raphael's Home, Torquay. Tuberculosis Hospital, Pinhoe (Exeter Corporation). Dorset — Bridport Dispensary and Cottage Hospital (for surgical cases only). 250 Durham — Blaydon, Ryton, and. Whiokham Smallpox Hospital, Sealburns. Durham County Sanatorium at Holywood Hall, Wokingham. Hebburn Smallpox Hospital. Sunderland Rural Tuberculosis Hospital, Ford. Chester-le-Street Smallpox Hospital, Black Fell. County Infirmary, Durham (for non-pulmonary cases only). Felix House Sanatorium, Middleton St George. Hartlepools Hospital (for non-pulmonary cases only). Helmington Row Tuberculosis Hospital, Crook. Lady Eden Cottage Hospital (for non-puhnonary cases only). Maiden Law Sanatorium. Stanhope Sanatorium. Stockton and Thornaby Hospital (for non-pulmonary cases only). Tindale Crescent Tuberculosis Hospital, Bishop Auckland. Wolsingham Sanatorium. Essex — Black Notley Sanatorium. Orsett Tuberculosis Hospital. Romford Tuberculosis Hospital. Walthamstow Sanatorium. Alfred Boyd Encampment (for " early " cases of pulmonary tuberculosis only). Colchester Isolation Hospital. Dagenham Smallpox Hospital (West Ham Corporation). Great Baddow Encampment (for " early " cases of pulmonary tuhercuhsis only). Halstead Isolation Hospital. Merivale Encampment, Sandon (for "early'' cases of pulmonary tuberculosis only). Ilford Isolation Hospital. Maldon Isolation Hospital, Heybridge. G LOTJCESTBRSHIKE Salterley Grange Sanatorium, near Cheltenham (Birmingham Corporation). Cheltenham General Hospital (for " surgical " cases only). Cranham Lodge Sanatorium. Painswick (Cotswold Hills) Sanatorium, Painswick (for " early " cases of pulmonary tuberculosis only). Hampshteb — Lord Mayor Treloar Cripples' Hospital and Home, Alton. Church Army Children's Sanatorium, Fleet. Moorcote Sanatorium, Eversley. Hbbtfoedshire — National Children's Home and Orphanage Sanatorium, Harpenden. North Herts and South Beds Hospital, Hitchin (/w non-pulmonary cases only). Chantry House Sanatorium. Hertford County Hospital. Letohworth Temporary Cottage Hospital (for non-pulmonary cases only). West Herts Hospital, Hemel Hempstead (for " surgical " cases only). St Albans and Mid Herts Hospital, St Albans (for non-pulmonary cases only). Isle of Wight — Royal National Hospital for Consumption, Ventnor. The Hermitage Sanatorium, Whitwell (for patients of the male sex only). Hawthorn Dene Home for Phthisis, Bonohiiroh (for patients of the female sex and for boys under the age of nine years only). St Catherine's Home, Ventnor (for children only). Kent — National Sanatorium, Benenden. Tuberculosis Hospital, Keycol Hill. Children's Home, Ide HUl, Sevenoaks. 251 Kent (contd.) — Children's Hospital for the Treatment of Hip-disease, Sevenoaks. Gravesend Hospital {for non-pulmonary cases only). Metropolitan Convalescent Home, Cranbrook {for non-pulmonary cases only). Royal Victoria Hospital, Folkestone {for non-pulrmmary cases only). Victoria Home for Invalid Children, Margate. Grosvenor Sanatorium, Kennington {for adult cases of pulmonary tuberculosis Royal Sea Bathing Hospital, Margate {for non-pulmonary cases only). West Kent Hospital, Maidstone {for non-pulmonary cases only). Lakcashirb — Aitken Sanatorium. Eccleston Hall Sanatorium and Hospital (St Helen's Corporation). Heath Charnook Sanatorium, Chorley. Lancaster Isolation Hospital (The Stone Building) {for " advanced," " educa- tional," and " observation " cases of pulmonary tuberculosis only). Maghull Sanatorium (Bootle Corporation). Children's Sanatorium, Preshfield. Ashton-under-Lyne District Infirmary and Children's Hospital {for non- pulmonary cases only). Crown Point Hospital, near Burnley (Burnley Corporation). Darwen Isolation Hospital. Drinkwater Park Smallpox Hospital (Salford Corporation). Sankey Sanatorium (Warriagton Corporation). ALnsworth Smallpox Hospital, near Bolton. Elswick Hospital {for " advanced," " educational," and " observation " cases of pulmonary tuberculosis only). Lmcestbeshiee — Coalville Hospital. Leicester Borough Sanatorium (Leicester Corporation). Manor House Hospital, Hinckley. Mowsley Hospital. Leicester Isolation Hospital (Leicester Corporation). LiNCOLNSHIEB (PaBTS OF HOLLAND) Boston Hospital, Boston. Johnson Hospital, Spalding. London — King's College Hospital, Denmark HiU, S.E. Metropolitan Hospital, Kingsland Road, N.E. Royal Pree Hospital, Gray's Inn Road, W.C. St Bartholomew's Hospital, E.C. St George's Home, Milman Street, S.W. St George's Hospital, S.W. St Thomas's Hospital, S.E. Brompton Hospital for Consumption. City of London Hospital, Victoria Park, N.E. Dreadnought Hospital, Greenwich, S.E. Hospital for Sick Children, Great Ormond Street, W.C. University College Hospital, W.C. Alexandra Hospital for Sick Children, Queen Square, W.C. Middlesex — Northern Hospital, Winchmore Hill. Old Cottage Hospital, Hounslow. St Vincent's Cripples' Home, Pinner. WiUesden Isolation Hospital. Clare Hall Hospital, South Mimms. Cromwell House Hospital for Children, Highgate. Hounslow Hospital, Hounslow {for non-pulmonary cases only). Mount Vernon Hospital, Northwood. 252 Middlesex (contd.) — Prince of Wales Road General Hospital (In-patients' department), Totten- ham (surgical cases). NOETOI^ — Children's Sanatorium, Holt. Bramblewood Sanatorium, Holt {for adults and boys over ten years of age only). Kelling Sanatorium, Holt. NORTHAJSIPTOKSHIRB Tuberculosis Hospital, Welford Road, Northampton (Northampton Cor- poration). Northamptonshire Sanatorium, Creaton. NOKTHITMBBELAND Newcastle and Northumberland Sanatorium, Barrasford. Tuberculosis Hospital, Hexham. Children's Sanatorium, Stamiington. NoTTINGHAMSHrRE — Ransom Sanatorium, Mansfield. OXFOBDSHIBB Kindercot Children's Sanatorium, Peppard Common. Kingwood Sanatorium, Peppard Common. Maitland Sanatorium, Peppard Common. Salop — King Edward VII. Memorial Sanatorium, Shirlett. SOMBESBTSHIBB Somerset County Sanatorium at Shepton Mallet. Engel Home, Cheddar. Mendip Hills Sanatorium. Stafbobdshieb — Outwoods Sanatorium (Burton-upon-Trent Corporation). South Stafiordshire Hospital, Moxley. Isolation Hospital, Yamfield, near Stone. Groundslow House, Tittensor (Temporary Sanatorium of Staffs, Wolver- hampton, and Dudley Joint Committee). Suffolk (East) — Ipswich Borough Sanatorium (Ipswich Corporation). Suffolk (West) — Bury and West Suffolk Sanatorium, Bury St Edmunds. Chilton Hill House Sanatorium, Sudbury. East Anghan Sanatorium, Nayland. Maltings Farm Sanatorium, Nayland. SUEEEY — The Downs Sanatorium, Sutton. Barnes Tuberculosis Hospital, Mortlake. Brompton Hospital Sanatorium, Erimley. Crooksbury Sanatorium, Famham. Ockley Sanatorium. Reigate and Redhill Hospital, Redhill. Woodhurst Sanatorium, Dorking. Larchfield Sanatorium, Caterham Valley {for patients of the female sex only). Alexandra Hospital for Children, Country Branch, Clandon. Whitmead Sanatorium, Tiltord {for female patients over fourteen years of age). Sussex (East) — ■ Hove Borough Sanatorium, Portslade. Sussex (West) — King Edward VII. Sanatorium, Midhurst. Waewiokshire — Bramcote Smallpox Hospital. Stratford-on-Avon General Hospital. 253 Warwickshire (conld.) — Warneford, Leamington, and South Warwickshire General Hospital, Leaming- ton (for non-pulmonary cases only). Hospital of St Cross, Rugby. Tuttle Hill Sanatorium. Open- Air Camp, New Zealand, Southam (for adult female patients in early stage of pulmonary tuberculosis only). Westmorland — Westmorland Sanatorium and Home, Meathop. Wiltshire — Winsley Sanatorium. WORCESTBKSHIRB Hayley Green Tuberculosis Hospital, Halesowen. Hill Top Tuberculosis Hospital, near Bromsgrove. Knightwiok Sanatorium. Newtown Tuberculosis Hospital (Worcester Corporation). Romsley Hill Sanatorium. Bourne Castle Sanatorium, Belbroughton. Welland Sanatorium, Malvern. YoRKSHiBE (East Riding) — ■ Sanatorium attached to Hull and East Riding Convalescent Home, Withernsea. Yorkshire (North Riding) — ■ Isolation Hospital, Yearsley (York Corporation). Scarborough Isolation Hospital. Wensleydale Sanatorium, Aysgarth. Ruebury House Sanatorium, Osmotherley, Northallerton. Yorkshire (West Riding) — Doncaster, Merton House, 20, Christchurch Road (Dispensary -with " observa- tion " beds). Gateforth Sanatorium. Green Lane HaU Sanatorium and Hospital (Halifax Corporation). Keighley, " Oaklands,"- 143, Skipton Road (Dispensary with " observation " Mount Vernon Sanatorium, Worsborough (Barnsley Corporation). Otley, " Whiteley Croft," Station Road (Dispensary imth " observation " beds.) Pontefract, " The Lindens " (Dispensary loith " observation " beds). Morton Banks Hospital. Eldwick Sanatorium (for children only). Dean Head Sanatorium, Horsforth. Balby Hospital. Hemsworth Sanatorium, Brierley Common. Rothwell, Hunslet, and Methley Isolation Hospital. Cardigan Hospital, Wakefield. Eastby Sanatorium, Skipton (for 37 adults of male sex only). County Boroughs. Barnsley — Queen's Road, Barnsley (Dispensary with " observation " beds). BARROW-IN-FtfBNESS — ■ Devonshire Road Isolation Hospital (Diphtheria pavilion and 3 shelters). Bath — Royal United Hospital (for non-pulmonary cases only). Birmingham — General Hospital. Yardley Road Sanatorium. Queen's Hospital. West Heath Hospital. 254 Blackburn — Isolation Hospital, near Blackburn. Blackpool — Isolation Hospital, New Road, Blackpool. Bolton— Bolton Convalescent Home (Wilkinson Sanatorium), Sharpies. Bolton Tuberculosis Hospital. BOOTLB — Linacre Hospital. Bootle Borough General Hospital. Bournemouth — Firs Home, Bournemouth [for " advanced " cases of tvbercuhsis only). Royal National Sanatorium, Bournemouth. The Home Sanatorium, West Southbourne. Bradford — Bradford Royal Infirmary {for non-pulmonary cases only). Bierley Hall Hospital. Leeds Road Hospital. Brighton — Borough Sanatorium. Bristol — 19, Portland Square, Bristol (Dispensary with " observation " beds). Ham Green Isolation Hospital. Cossham Memorial Hospital, Kingswood, Bristol {for " surgical " cas&s only). Bury — Tuberculosis Hospital, The Wylde, Bury {for " observation " cases only). Chester — Tuberculosis Hospital, Sealand. Chester Royal Infirmary {for " surgical " cases only). Croydon — Isolation Hospital, Waddon. Darlington — Darlington Hospital {for non-pulmonary cases only). Derby — Borough Sanatorium. 56, St Helen's Street, Derby {Dispensary mth " observation " beds). Home of Rest, Osmaston Road {for "advanced" cases of pulmonary tuber- culosis only). Dbwsbury — Northfields House, Dewsbury {Dispensary mth " observation " beds). Eastbourne — Borough Tuberculosis Hospital. East Ham — Borough Isolation Hospital. Exeter — Devon County Hospital at Ivy Bank, Exeter (Devon County Council). Gateshead — Children's Hospital ( for non-pulmonary cases only). Halieax — Bermerside Open- Air School of Recovery, Halifax. Hastings — Borough Sanatorium, Ore, Hastings. Eversfield Chest Hospital. Pairlight Sanatorium. Southern Sanatorium, Pinewood, Hastings [for adult patients in the " early " stage of pulmonary tuberculosis only). HUDDERSFIELD Isolation Hospital, Mill HUl. 255 KiNQSTON-UPON-HuLIi Isolation Hospital, Hedon Road, Kingston upon Hull. Leeds — Aixolej Hospital KJUingbeok Smallpox Hospital. Leicester — Smallpox Hospital, Anstey Lane, Leicester (for children only). Lincoln — Dawber Sanatorium, Lincoln. LiVEEPOOL — David Lewis Northern Hospital. Infirmary for Children, Myrtle Street. Liverpool Hospital for Consumption. Liverpool Stanley Hospital, Stanley Road. Royal Infirmary. ParkhUl Hospital. Royal Southern Hospital. Manchester — Royal Infirmary. Clayton Smallpox Hospital. MlDDLESBROUOH — ■ West Lane Tuberculosis Hospital. Newcastle-upon-Tyne — • City Hospital, Walker Gate. Nottingham — Bagthorpe Isolation Hospital (Sanatorium section). Oldham — West Hulme Tuberculosis Hospital. Strinesdale Smallpox Hospital. Oxford — • Radchffe Infirmary and County Hospital. POBTSMOtTTH — Langstone Smallpox Hospital. Royal Portsmouth Hospital. Rothbrham — Carnson House, Moorgate Street, Rotherham (Dispensary with " observa- tion " beds). Kimberworth Smallpox Hospital. Shbeheld — Commonside Hospital. Crimicar Lane Hospital. Southampton — Borough Sanatorium, Shirley. Southport — Birkdale Hospital. South Shields — Ingham Infirmary ( forr non-pulmonary cases only). Stockport — Stockport Infirmary (for " surgical " cases only). WhitehiU Smallpox Hospital. Stoke-on-Trent — Stanfield Hospital, Burslem. Sunderland — • Royal Infirmary ( for non-pulmpnary cases only). Southwick and Monkwearmouth Hospital (for non-pulmonary cases only). Tynemouth — Moorpark Isolation Hospital. Victoria Jubilee Infirmary (for " surgical " cases only). 256 Wallasey — Isolation Hospital, Mill Lane, Lisoard. West Bkomwich — • Borough Fever Hospital. WiGAK — Pemberton Isolation Hospital. WOKQESTBR Worcester General Infirmary ( for non-pulmonary cases only). York — York County Hospital. 257 APPENDIX F. Rules as determined by the Insurance Commissioners, the Scottish Insurance Commissioners, and the Welsh Insur- ance Commissioners, for the giving of Certificates to insured persons by medical practitioners who are attending them imder agreement with Insurance Committees. Whereas it is a condition of a Parliamentary Grant to an Insurance Committee towards the cost of medical attend- ance and treatment amongst other things that certificates shall be furnished to every insured person, where he so desires and requests, in such form, on such occasions, and generally in such manner as the Commissioners may determine, for the purposes of any claim made by him for sickness or disablement benefit or for the purpose of determining or calculating the period during which sickness benefit is or would, but for any section of the principal Act disentitling him, have been pay- able, or of calculating arrears, and that unless and until the Commissioners so determine, such certificates shall be furnished for the purposes aforesaid as are required to be furnished in pursuance of the rules of the Society of which the insured person is a member or of the Committee, as the case may be : Now THEREFORE the Insurance Commissioners, the Scottish Insurance Commissioners, and the Welsh Insurance Commis- sioners hereby determine as follows : The form in which, the occasions on which, and the manner in which certificates shall be so furnished shaU be the form, occasions, and manner set out in the following Rules : — Certificates. 1. Certificates shaU be given by medical practitioners who are attending insured persons who are incapable of work, in the forms, on the occasions, and in the manner required by these Rules, which may be referred to as the Medical Certifica- tion Rules. Forms of Certificates. 2. The certificate shall be in each case in the appropriate form appended to these Rules. First Certificates. 3. When first the practitioner, in the course of attendance upon the insured person, is of opinion that the insured person has become incapable of work by reason of some specific disease or bodily or mental disablement^ he shall, if so desired by the insured person, give him a First Certificate. Second Certificates [Intermediate or Final). 4. The practitioner shall, if so desired by the msured person, give to him, if still incapable of work, a,. Second Certificate 258 within eight days of the First Certificate. If, on examining the insured person for the purpose of the Second Certificate, the practitioner is of opinion that he is fit to resume work immediately after the date of such examination, the certificate shall be a Final Certificate, and otherwise it shall be an Intei<^ mediate Certificate. Further Intermediate Certificates. 5. If incapacity continues beyond eight days from the date of the First Certificate, further Intermediate Certificates shall be given by the practitioner, if so desired by the insured person, week by week, during the continuance of incapacity. Final Certificates. 6. If at any time the practitioner finds, upon examination of the insured person, that he, having been up to the date of such examination incapable of work, is fit to resume work immediately thereafter, he shall forthwith give the insured person a Final Certificate. Arrangements for examiriing Convalescent Patients. 7. If the practitioner, when giving a First or Intermediate Certificate, is of opinion that the insured person, although not fit to resume work immediately, may reasonably be expected to become fit to resume work before the date on which an Intermediate Certificate would next ordinarily be given, the practitioner shall insert in the appropriate space in the certifi- cate a date on which the insured person, if his condition permits, is to come to see him, and the date so inserted shall be the day which the practitioner expects to be the last day of the insured person's incapacity for work ; but nothing in this Rule shall debar the practitioner from making use of the space in other cases where he thinks it desirable that the insured person should see him on some particular day. Special Final Certificates in certain Rural Areas. 8. If, upon examining an insured person who resides at a distance of more than two miles from the practitioner's resi- dence, in a rural area approved for this purpose by the Com- missioners, the practitioner is of opinion that the insured person, although not fit to resume work immediately after the date of such examination, will become fit to resume work on a date not more than three days after the date of examination, he may, instead of arranging to see the insured person again, give him a Special Final Certificate. Particulars to be inserted in Certificates. 9. (i) Every practitioner who gives a certificate under these Rules shall insert, in the appropriate spaces in the form, the name of the insured person, and a concise statement of the 259 specific disease or bodily or mental disablement by which, in his opinion, the insured person is at the time rendered in- capable of work. (ii) The practitioner shall sign the certificate and append the date on which he signs it ; and, where this date is not the date on which he examined the insured person, he shall so alter the wording of the certificate as to show both the date on which the examination was made and the date of signing. Time at which Certificates are to be given. 10. The practitioner shall, wherever practicable, give the certificate to the insured person at the time of the examination to which the certificate relates ; where he is precluded from so doing he shall give the certificate at the first opportunity thereafter. Statement of Cause of Incapacity. 11. The statement of the incapacitating disease or disable- ment in the certificate shall specify the cause of incapacity as precisely as the practitioner's knowledge of the insured person's condition at the time of the examination permits ; provided that, in any case where a precise statement would, in the practitioner's opinion, be prejudicial to the health of the patient, or where it would inflict on him unwarrantable injury, the practitioner may describe the incapacitating disease or dis- ablement in less precise terms ; but in every such case he shall send, on the day on which such certificate is signed, to the Approved Society * of which the insured person is a member, a notice in the form appended to these Rules, and shall also forward to the Government Referee appointed for the purpose (or, if there be no such Referee, to the Commissioners) a precise description of the disabling condition and a statement of the reasons for which a certificate less precise than is possible has been given. Notice to Approved Society. (^ee Bule 11.) I hereby declare that in the certificate of incapacity for work which I have to-day given to , of (address), being Member No. of Society, Branch, I have stated the cause of the incapacity with less precision than my present knowledge of the insured person's condition makes possible, for good and sufficient reasons which I have this day communicated to the Medical Referee, f * Where the insured person is a Deposit Contributor or a member of the Navy ..' and Army Insurance E\md, the notice shall be sent to the Insurance CJommittee for the area in which the insured person resides. t Substitute " Commissioners " for " Medical Referee," if under the Rule the notice is sent to the Commissioners. 260 1 x' . 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(0 e: o u T3 O a Pi 5 d e g H 60 "•2 a ^H O u •!> f^ C3 ■g 2 § "^ ftps a S \ .SgS §|g.i II S'M'g o^a . S:.S35g filial p oj 5 ^ SKT ■g y" Si3'3i ■•5 -^ ». •s • 3 •fi"K •qjOM JO oiqvdvoni uos.iod [uqudui .TO Xnpoq jo osBdsi ■fev s 1'=' s Sa asB'S'°'° „«2b ■OS'S So S I^Sp, »5o5fc.S .O o ^ u o " "I (D O a^ o o *<■§ ■o5 S| • 'S g o •S'S ® "^ O rt ■» P"t; a ffl O e8 fc" ia* a> n d Is! 2 o^ within specified period) . . . . J Voluntary Contributor becoming; Employed Contributor . . ..] Reinstatement (other then Sus- ) pended Married Women) . . j Marriage of Woman Member (em- J ployment not given up) . . 1 r tMarriage of Woman Member (em- ployment ceased and becomes- Voluntary Contributor) tMarriage of Woman Member (em- ployment ceased and does, not J become Voluntary Contributor) 1 Married Woman, not having been ) suspended, becoming a Widow . , f Employed Contributor becoming I Voluntary Contributor . . ,i Alien becoming naturalised Column of Membership Register, Form No. 22/A.G.D. 4, 8, 9, 10, and 11 22 9 and 10 22 17 18 22 17 18 22 17 18 17 18 22 22 1 and 9 22 Entries to be Made. 22 22 2 22 2 22 22 . 3 8 and 9 22 9 22 Alter from " B " to pro- per class Alter accordingly " Discharged " and date of discharge . . Alter rate " T.D. War Pension from " (insert date) Date " Emigration " " Out of Insce.' Date " Ceased I.E." " Out of Insce." Date " Ceased I.E." Date " P.S. Arrears " " Out of Insce." Cross out " Out of Insce, and insert " Treated t Resignation " . . Alter to proper class Alter where necessary " E.G. from " (insert date) . . " Reinstated " and cause and d-ate of resumption " Married " and date . . Alter surname and note name of husband and date of marriage Alter surname and note name of husband and date of marriage Enter folio of Suspended Married Women's Re- gister . . As above Enter folio of Suspended Married Women's Re- gister " Husband died (insert date) . . Alter to proper class Alter where necessary " V.C. from (insert date) . . Alter class Alter rate . . Naturalised . (insert date) Paragraph in Circular. ■ 18 anil 19 ;} 20 9, 10, and 15 9, 10, 11, and 15 16 13 13 18 21 17a (i) 17a (ii) ► and Form 230/A.G.D 17a (ii) J- and Form 230/A.G.D 17(c) 18 18 • For special procedure during the present war, see paragraph 19. (*i oLuC4W/A.&X?'"**° "'*™^ ""' ^° «'J°'"'i 'ife Suspended Married Women's Begister 277 III.— RETURNS OF ALTERATIONS.* 25. The supplemental returns required by the Commissioners and referred to in paragraph 2 should be furnished on cards, a supply of which is being sent to the Society. If additional cards are required they will be forwarded on application.' Care must be taken to employ the right card in respect of any par- ticular alteration, and to see that the correct entries are made. The " Particulars of Member " to be entered are those applicable to the member immediately before the change or exit took place. When the cards have been written they should be retained and presented for examination to the Government Auditor at his next visit. 26. Particulars as to outstanding arrears should be furnished in respect of cases of " Resignation," " Emigration," " Entered into excepted employment," " Ceased to be in insurable em- ployment," and " Permanent suspension for arrears." The information to be supplied can be obtained from columns (4) to (10) and column (23) of the Contribution Register for July 1914 if exit took place between I3th July 1913 and 5th July 1914. If exit took place after 5th July 1914, the net penalty arrears or reserve balance at date of last ascertainment can be obtained from columns (29) and (30) of the Contribution Register for July 1914, or columns (19) and (20) of the Register for July 1915. The contributions and arrears paid, and contributions not payable on account of sickness, in the contribution year of exit or cessation can be obtained from columns (5) to (8) and (14) of the Contribution Register for July 1915, or the corre- sponding columns of the Register for a subsequent year. Con- tributions (if any) paid in the current contribution period should be dealt with in the Register before the calculation is made. In aU other cases of exit, cessation, or change, no particulars as to arrears should be furnished. 27. In the case of International Societies, cards are supplied applicable to members in the area of each Comnaission for which the Society is approved, and care must be taken to see that the appropriate card is employed, having regard to the Commission to which the reserve value or statistical card has been furnished. Even if the member has removed to another part of the United Kingdom the card employed should stiU be that apphcable to the country in which he was deemed to be resident at entry into insurance. 28. As mentioned in paragraph (4) it is the intention of the Commissioners to make arrangements to avoid double notifica- tion of changes, but until Societies are advised thereon they must continue to forward Index Slips or Orange Slips, where necessary, to Insurance Committees. * This part comprises the instructions to Societies and Branches with more than 2000 members. 278 Despatch of Cards. 29. After the cards have been examined they should be tied up in bundles and sent to the Commissions concerned, addressed as stated below : — English Commission : To The Officer in Chabgb, Actuarial Department (Branch Office), National Health Insurance Commission, Leonard Street, St Luke's, London, E.C. Scottish Commission : To The Actuary, Actuarial Department, National Health Insurance Commission (Scotland), 36 Buckingham Terrace, Edinburgh. Irish Commission : To The Actuary, Actuarial Department, National Health Insurance Commission (Ireland), 44/5 Mbrrion Square, Dublin. Welsh Commission : To The Actuary, Actuarial Department, National Health Insurance Commission (Wales), 9 Richmond Terrace, Cardiff. 30. In the following table the card appropriate to each altera- tion is indicated : — Nature of Alteration. Card to be Employed. MuN. Women. Exit from Society or Cessation of Insurance * . . Change of Class or Status, including errors dis- ^ covered since writing reserved value card > {e.g. date of birth found to be incorrect) . . ) Reinstatement * Marriage or suspension of a woman member . . Death of husband of a contributing married woman 32 Actuarial 33 Actuarial 34 Actuarial 32a Actuarial. 33a Actuarial. • 344 Actuarial. 35 Actuarial. 36 Actuarial. * If the member after ceasing to be insured hsis been reinstated, notification of both events will be lequiied, and the two cards should be fixed together. 279 iiia. returns op alterations.* 25. The . supplementary returns required by the Commis- sioners referred to in paragraph (2) should be furnished in the " Membership Register Alterations " books, supplied by the Commissioners, which are being sent to the Society. Separate books are provided in respect of men and women members. Special sheets for men and women are enclosed. 26. Only one notification is to be made on each page, and care must be taken to see the entry is made in the correct section. 27. The " particulars of the member " should be first entered at the head of the page in the spaces provided. In the case of a new entrant, or a transfer to the Society, the particulars to be entered are those applicable to him at the date of .becoming a member. In aU other cases of notification the particulars to be entered are those applicable to the member immediately before exit from insurance or change of status took place. The particulars of the exit or change in status wiU then be entered in the appropriate section, only one of the sections being filled in. For example, if a member has ceased to be an in- sured person, or has died, only Section V., if a man (or Section VII., if a woman), wiU be completed, whereas if he has changed from an employed contributor to a voluntary contributor, or if it has been discovered that he originally mis-stated his date of birth, the necessary entries should be made in Section IV., if a man (or VI., if a woman). 28. The rate of weekly contribution to be entered in cases of low-wage earners and of persons to whom the provisions of Sections 47, 48, or 53 of the National Insurance Act, 1911, apply, is the fuU employed rate, and not the reduced rate at which contributions are actually paid. If the contributor is under age 21, the rate of sickness benefit to be entered is that applicable to him after attaining that age, and not the reduced rate applicable to unmarried minors without dependants. 29. Special attention is drawn to the entries to be made in the following sections. (A) New Entrants. An entry will be made in the book under Section I for every person becoming a member of the Society after 12th October 1913, other than a deposit contributor who entered insurance on or before that date whose transfer is notified on Form 400 or 400(b)/A.G.D. {see paragraph 7). In no circumstances should a reserve value card or statistical card be written in respect of a person becoming a member after that date. The information given in the book will , enable the Commissioners to grant a reserve value in any case where it is applicable. Reserve value or statistical cards have been written already * This part comprises the instructions to Societies with less than SOOO members. 280 in respect of entrants prior to 13th January 1913, and, if not already prepared, similar cards must be completed for all persons who became members of the Society otherwise than by transfer between that date and 12th October 1913, and retained for production to the Government Auditor. (B) Reinstatement. Where a person has ceased to be insured but has been sub- sequently reinstated, it will be necessary to complete two pages of the book, one in respect of his cessation from insurance, and the other in respect of his reinstatement. On the first page the entries wiU be made in Section V., if a man (or VII., if a woman), and on the other in Section III. (C) Women Suspended on or after Marriage imder Section 44 (1). If, when making entries in respect of this class, it is found that Form 171/A.G.D. has not been sent to the Commissioners, a form should at once be completed and dispatched. (D) Cessations of Insm'ance and Exits. In most cases to which Section V., if a man (or VII., if a woman), relates, a statement of arrears is required unless, in the case of an employed contributor, the exit or cessation of insurance took place prior to 14th July 1913, as no account was taken of arrears incurred before that date. The information required to be furnished is : — Employed Contributor. If exit took place between 14th July 1913 and Sth July 1914 — Contributions and arrears 1 paid during year. Contributions not pay- able during year oh account of sickness, etc. Obtained from columns (4) to (10) and (23) of the Contri- bution Register for July 1914. In cases of exit after 5th July 1914 — ' Obtained from columns (29) and (30) of the Contribution Net penalty arrears, or reserve balance at date of last ascertainment. Register for July 1914, or columns (19) and (20) of the Register for July 1915. Contributions and arrears >^ paid and contributions not payable on account of sickness in contribu- tion year of exit or cessation. N.B. — Contributions (if any) paid in the current contribution period should be dealt with in the Register before the calculation is made. Obtained from columns (5) to (8) and (14) of the Contribution Register for July 1915, or the corresponding columns for a subsequent year. 281 Voluntary Contributor. The amount of the arrears outstanding at the date of exit or cessation. 30. Each page of the book should be numbered in consecutive order, and when an entry is made the number of the book and the page should be entered in the " Remarks " column of the Membership Register for the purpose of reference. 31. When all the notices of exits and alterations have been entered up, the book should be retained by the Society or branch, and presented by the Government Auditor at his next visit for examination. 32. When the book has been examined and passed by the Government Auditor, it must be sent at onc.e to the Commission concerned. Additional books wiU be forwarded on application. 33. As mentioned in paragraph (4), it is the intention of the Commissioners to make arrangements to avoid double notifica- tion of changes ; but until Societies are advised thereon, they must continue to forward Index Slips or Orange Slips, where necessary, to Insurance Committees. Circular A.S. 172. MEMORANDUM ON THE CONTINUITY OP INSURANCE OF PERSONS ENGAGED IN TEMPORARY NON-INSURABLE EMPLOYMENT IN CONNECTION WITH THE WAR. 1. The Commissioners have received inquiries from various sources as to the position in insurance of persons, who, having previously had a normal occupation of employment within the meaning of the National Insurance Acts, are temporarily engaged, whether abroad or in the United Kingdom in non- insurable civilian occupations in connection with the war. Cases of this character include — (a) Nurses to His Majesty's Forces employed by the Army Council at home, or abroad, for the period of the war, or shorter period ; (6) Nurses, orderlies, etc., employed abroad by the British Red Gross Society, or other similar organisation ; (c) Civilians detained abroad as prisoners of war or other- wise in consequence of the war ; (d) Mechanics and others temporarily employed in work abroad ; (e) Certain constables enrolled for temporary service.* * " Special Constables " are excepted from insurance in respect of such em- ployment by an Order under Schedule I., Part II. (i) to the National Insurance Act, 1911. Constables temporarily added to a police force are insurable under the usual conditions, unless a certificate of exception issued to the police authority under Schedule I., Part II. (6) applies to their employment. But if a certificate does so apply (as may be the case with members of a First Police Reserve) and the Society is satisfied that their employment is merely temporary, the position is as stated in paragraph 2. 282 2. Such cases of temporary non-employment within the meaning of the Acts should be dealt with in accordance with paragraphs 2 and 3 of Circular A.S. 118, that is to say, if the member previously had a normal occupation of employment within the meaning of the Acts, and if the Approved Society is satisfied that the change of occupation or absence abroad is of a purely temporary character and limited to the period of the war, and that, consequently, there has been no permanent change of normal occupation, he should be treated as tem- porarily unemployed, in accordance with the fourth paragraph of Section 79 of the National Insurance Act, 1911. He would therefore continue in insurance as an employed contributor and would be entitled to the ordinary benefits while resident in the United Kingdom. If and while he is resident abroad, no benefits, of course, would be payable except maternity benefit (Section 8 (4) of the 1911 Act). 3. As explained in paragraph 3 of Circular A.S. 118, the position of a person who has been allowed to remain in insurance during a period of temporary unemployment should be reviewed by the Society at the expiration of twelve months from the date of his ceasing to be employed within the meaning of the Acts, with a view to determining whether he is to be allowed to continue in insurance as an employed contributor beyond the expiration of that period. In cases of the kind referred to in this Circular, where the Society is satisfied that there has been no permanent change of normal occupation, the privilege of continuing in insurance under Section 79 of the Act beyond the end of the year should be granted to the member. Arrears. 4. During the period of temporary unemployment the member, being stiU in insurance as an employed contributor, will fall into arrears for each week in respect of which a contribution is not paid, and, unless he is abroad, notice of arrears should be given him in the usual manner. It will be open to him to pay off such arrears at the reduced rate under Section 7 (1) of the National Insurance Act, 1913. He would not, however, be eligible for assistance from the Arrears Benevolent Fund in respect of such arrears, unless he could show that he had been " out of work," e.g. in the case of a civilian compulsorily detained abroad and not engaged in any remunerative occupation. 5. If a member who is abroad under the conditions referred to above, returns to the United Kingdom after the end of nine weeks from the expiration of the contribution year, or if the Society does not become aware of his return until after that time, so that he has not had a reasonable opportunity of paying his arrears within the ordinary period of grace, he should be given a special period of grace of four weeks from the date on which the Society became aware of his return. A special notice 283 of arrears with an arrears card must be issued to the member as soon as the Society is notified of his return to the United Kingdom, and must show — (a) The number of his penalty arrears ; (6) The date up to which payment can be accepted ; (c) The effect of his arrears on his benefits. If he pays off some or all of his arrears, the arrears calculation should immediately be revised and he should be treated as eligible for benefits in accordance with the revised calculation as from the date of such payment. A list of all such cases, showing the date of the beginning of the special period of grace and the date of payment of the arrears, should be kept and forwarded to the Commissioners, with a declaration in each case that in consequence of the member's absence abroad in connection with the war he did not have an opportunity of paying his arrears during the ordinary period of grace. 6. In the particular case of nurses employed temporarily by the Army Council for service during the war, including nurses of the Territorial Force Nursing Service, special arrangements have been made with the Ariny Council, to whom a certificate of exception under Part II. (b) of the First Schedule to the National Insurance Act, 1911, has been granted. Under the terms of this certificate the Army Council have undertaken to pay the arrears of those nurses who were insured persons at the time of entering on their army employment, and arrange- ments have been made for the nurse to be supplied with a stamped arrears card and a specially printed cover (Form XI 86) in which to forward it to her Society. This applies only to nurses employed by the Army Council. Nurses employed by the British Red Cross Society or othra* similar organisation, are, while resident in the United Kingdom, compulsorily insured sub- ject to the usual conditions, and contributions wiU be paid in the ordinary manner in respect of any weeks of employment. 7, If the Society expects to complete the arrears return (that is, the half-yearly return for the second half-year of the con- tribution year) before the special period of grace referred to in paragraph 5 expires, the member's name should be re-entered after the summary of the Contribution Register and a refer- ence to the new entry made against the original entry. The arrears calculation should be made against the new entry, any arrears paid within the special period of grace being entered in column 18 of the Contribution Register. The arrears cards should be retained for inclusion in the next arrears return. If, however, the half-yearly return wiU not be completed before the special period of grace expires, the arrears entries should be made in the ordinary place in the register and the arrears card included in the return for the second half-year of the contribution year. 284 Circular 257 A/A.Q.D. NEW SYSTEM OF COLLECTION OP CONTRIBUTIONS OF ARMY (CLASS B) MEMBERS. 1. The experience gained since the outbreak of the war has convinced the Commissioners that the present method of collect- ing the contributions of soldiers by means of stamps and cards is in practice unsatisfactory, very many cards failing to reach the Societies entitled to them, and they have accordingly arranged with the Army Council that the stamping of Army cards shall cease as from the beginning of the present half-year. In future the contributions of soldiers will be paid to the Com- missioners in cash, but no claim for credit for the contributions of an Army member will be made by the Society during his period of service except in the case of transfers out of the Society. In the normal case the contributions from 5th July 1915, or from enlistment if after that date, will be claimed on the member's discharge or death. Arrangements wiU, however, be made for giving proAdsional credit half-yearly on the estimated Army membership of the Society. Issue of Certificates by the Army Authorities. I. Recruits. 2. Every recruit in the Army, enlisted on or after 30th August 1915, wiU be given a wMte post-card (Arjoay Form 0. 1847), which he wiU be instructed to forward to his Society after filling in the date of enlistment and particulars of his membership and his home address. On receipt of this card, the Society should note the date of enlistment in the Member- ship and Contribution Registers, and issue an Orange Slip to the Insurance Committee if they have not already done so. The post-cards should then be filed for reference. II. Discharge. 3. On discharge an insured soldier wiU be given a certificate on a green post-card (Army Form 0. 1845) showing the period of his Army service. He will send this post-card to his Society after entering his home address and particulars of his member- ship. A certificate must be surrendered by every man discharged on and after 30th August 1915. If the man has not the cer- tificate in his possession, he should be instructed to obtain it from the officer by whom he was discharged. These certificates will be required to support the claim for credit which wiU be made by the Society, and must therefore be carefuUy preserved. III. Deceased Men and Deserters. 4. Certificates in respect of deceased soldiers and deserters 285 from the Army, where the date of death or desertion is on or after 30th August 1915, will be sent to the Insurance Com- missioners, and wiU be distributed to Societies as far as possible. Certificates which do not show the particulars of membership will be retained by the English Commission, and arrangements wiU be made at a later date for Societies to claim them. How to Deal with the Contributions of Army Members after 4th July 1915. 5. Although a Society should not in the ordinary course receive stamped cards in future for Army members, cards for the period commencing 5th July 1915, stamped to the date of discharge, may be received from men discharged, early in the period, before the new arrangements came into force. These cards should, for the time being, be kept together, and full instructions for deaUng with them wiU be given in the explana- tory circular which will accompany the new Contribution Register for the current contribution year. 6. Credit wiU be claimed periodically for the contributions of— (1) Men discharged ; (2) Men who have died or have deserted ; (3) Men who have ceased to pay contributions on com- pletion of the first period of engagement, in respect of whom certificates have been obtained ; (4) Men who transfer to other Societies during service. Full particulars of the entries to be made in the Contribution Register and of the method of claiming credit for the contribu- tions of these members will be given when the new Contribution Register is issued. Late Army (B) Cards. 7. Stamped cards for a period before 5th July 1915 may, of course, continue to reach Societies. These cards may be divided into two classes, according to the dates on which the members were discharged : — (a) Stamped cards received in respect of a member who was discharged before 5th July 1915, and who has already been dealt with in accordance with paragraph 38 of arcular 37 M./A.G.D. (i) If the late card is received before the -Contribution Register for the period ending 4th July 1915 is summarised, the contributions should, in accord- ance with the instructions in paragraph 39 of Circular 37 M./A.G.D., be entered in column 7 of the Class B Section of the Contribution Register, the entry in column 20 (contributions on missing cards) being amended by the deduction of these contributions. 286 (ii) If the Register has been summarised before the late card is received, the entry of contributions in column 20 should stand, but a note should be made against it in the Remarks column, " L.G. Second half, 1914, 13 B " (i.e. a late card for the second half of the year 1914, bearing 13 contributions at 3d.). The card should be put on one side until the special return of the contributions entered in column 20 is called for. (6) Stamped cards for a period before 5th July 1915, received (after the Register for the half-year to 4th July 1915 has been summarised) from men (i) still serving, or (ii) discharged after 4th July 1915. No entry should be made in the Contribution columns of the Contribution Register for the period to which the card relates, but a prominent note should be made in the Remarks column against the member's name in the Class B Section of that Register, " L. G. 15 B, see N.G.B." {i.e. a late card bearing 15 Army Contributions had been received, for which^see the new Contribution Register). The Contribution Register for the current contribution year will be issued at an early date, and fuU instruc- tions wiU then be given for dealing with these con- tributions. Benefits. 8. As regards qualifying contributions it may be assumed that a contribution has been paid (a) for every week of service between 5th July 1915 and the date of discharge, and (6) for every week of service in any contribution period before 5th July 1915, for which a Class B card has not been surrendered. No arrears calculation should he made until July 1916 in respect of a soldier discharged after 4th July 1915, and he cannot suffer reduction of benefit on account of arrears before November 1916. INDEX. References are to Paragraphs. Note. — Details of the contents of the Appendices and Sapplement are given on pp. 6 and 7. Paragraphs i Abroad — Position (as rega.rds Sickness Benefit) of Members residing (222) Maternity Benefit and resid- ence . . . . (372) to (374) Members not entitled to Medi- cal Benefit when . . . . (426) Branches of Societies estab- lished, may arrange for re- ciprocal passing of Transfer Values of Emigrants . . (735) Absence — See also " Abroad." From home, how to obtain Medical Benefit during . . (457) Acceptance of Members — See " Membership." Accident — See " Compensation or Damages." Accounts — See also " Administration Account." " Cash Book." " Ledger." Approved Societies must keep (14), (667), (678) In what books Societies are to keep (14), (683) All transactions (whether money passes or not) to be entered in.. .. (681), (682) Instructions for keeping Societies' . . . . (406) to (422), (613) to (533), (661) to (725) of Societies to be audited by Government Auditors (667) (c) Additional Benefits — position of Members under Section 47 in regard to schemes for . . . . • • (567) Address, Changes of — Slips requesting Members to notify (162) When to be intimated by So- cieties to Insurance Com- mittees (438) How to obtain Medical Benefit after (457) (713) Paragraphs Administration Account — Amount that may be carried to .. (711), (712), (714) How Membership of Society is ascertained for purpose of calculating amount to be carried to Increased Administration Al- lowance in respect of Class B Members (715) Effect of surplus on . . . . (712) Deficiency on, as at 12th January 1913, how dealt with (720) Deficiency on, for year ended nth January 1914, how dealt with . . (716) to (719) Deficiency on, for year ended 31st December 1914, or any subsequent year, how dealt "with .. .. (721) to (723) Deficiency due to expenditure on Medical Referees may be met by an additional appro- priation .. .. (351), (714) One only to be kept by Inter- national Societies .. .. (719) of Societies with Branches . . (724) Importance of balancing with- out delay at end of each accounting period . . (722), (723) Expenditure not properly authorised or chargeable to, will not be passed on Audit (725) Admissibility of Expenditure (726) Admission to Society — See " Membership." Advances — of Benefit pending settlement of Compensation Claims . . (226) out of Insurance Fund granted to Societies only for current requirements . . . . (665) Advices — of Contributions credited, ex- amples of entries in books in respect of (704) 287 288 Paragraphs Advices — cont. of Funds received from Com- mission, examples of entries in books in respect of . . (690) of Officers' Guarantee Fund contributions, examples of entries in books in respect of (708) of State Grant towards Ad- ministration Expenses, ex- amples of entries in books in respect of . . . . (709) of State Grants towards con- tributions and benefits, ex- amples of entries in books in respect of . . . . (707) of sums transferred to Invest- ment. Account, examples of entries in books in respect of (710) of credit of Transfer Values to be produced to Auditor . . (105) Age- Cheap Birth Certificates, how obtained (139) How to calculate Member's . . (139) Agreements— in Compensation Cases, how Societies should act in re- gard to . . . . (236) (d) between Societies and Institu- tions in regard to Maternity Benefit of inmates (379), (380) between Societies and Institu- tions in regard to Sickness Benefit of inmates (251) (6), (254) between Societies and Institu- tions in regard to Sickness Benefit of inmates. Model Forms of (254) between Societies and Insur- ance Committees as to cost of administering Medical Benefit of aliens . . . . (476) Alienage, Declaration of (467) (e) Aliens — British nationality and status of Aliens Act, 1914 (466), (467) Scope of term . . (465) to (468) Naturalisation of . . . . (467) Efiect of naturalisation of, in Colonies . . . . (467) (a) Effect of naturalisation of alien parents on status of minor children . . . . (467) (c) Effect of alienage of British parents on status of minor children . . . . (467) (d) Double nationality . . (467) (e) When to be treated as British subjects (468) under 17 at entry to be treated as British subjects (468) (a) with certam qualifications as to residence and membership Paragraphs Aliens — cont. of Societies are to be treated as British subjects . . (468) (5) transferred under arrange- ments with foreign Govern- ments to be treated as British subjects . . (468) (c) British woman whose husband is alien is to be treated as British subject . . (467) (6), (468) (d) Women aliens by birth whose husbands are British are British subjects . . (468) (d) to be entered as such in Membership Register . . (150) Transfer of certain, to British Classes under 1913 Act . . (161) pay same contributions as British subjects . . (469), (472) Low-wage earners. State Con- tribution payable in respect of (470) Benefits of .. .. (473), (474) Benefits of unmarried minors who are . . . . . . (474) State Grants of fths (women, Jth) of benefits and cost of administration not payable in respect of . . . . (470) Whole cost of Medical and Sanatorium Benefits of (ex- cept Parliamentary Grant of 2s. 6d.) payable by So- ciety (475) Special Medical Grant payable in respect of . . . . (470) Agreements between Societies and Insurance Committees as to cost of administering Medical Benefit of . . . . (476) Married Women's Credits Account in ledger to be subdivided between British Subjects and . . . . (528) No Reserve Values credited in respect of . . . . . . (471) Voluntary Contributors who are (572) Alternative Benefits — Position of Members under Section 47 in regard to schemes for . . . . . . (567) Amalgamations — of Approved Societies Amendment of Rules — See. " Rules." Appeals — in oases of disputes, procedure to be followed . . . . (67) against Suspension from Bene- fits for offences . . . . (273) Full record of proceedings connected with, to be entered in Minutes (54) (39) 289 Paragraphs Appliances — Medical and Surgical, pre- scribed in Regulations, sup- plied as part of Medical Benefit (424) Applications for Membership— See " Membeiship." Apprenticeship without Wages — Late entrants engaged since 17 in indentured, to get fuU benefits without addi- tional payment . . . . (267) Approval of Societies — Conditions of .. .. (4), (21) Society must not exist for purposes of profit . . . . (21) Society must be under absolute control of Members (21), (49) Separate Sections of Societies which do not themselves seek approval may be ap- proved . . . . . . (21) Branch cannot as such become an Approved Society .. (21) Employers' Provident Funds (22) Societies admitting Members in more than one part of United Kingdom require approval of Joint Com- mittee (23) Conditions on which Societies may relinquish approval, ex- cept for country in which its Registered Office is situated (24) may be withdrawn in cir- cumstances specified . . (25) Certificates of, to be carefully preserved by Societies . . (26) Approved Societies — See also " Approval of Societies." " Associations." " Finance of Societies." " International Societies." " Meetings of Societies." " Members o! Societies." " Membership." " Officers." . Conditions of approval (4), (21) cannot admit Members in more than one part of the United Kingdom unless approved by Joint Committee . . (23) may relinquish approval in certain circumstances . . (24) Approval of, may be with- (i'awn in circumstances specified . . . . • ■ (25) Transfer of Engagements, Amalgamations, and Dis- solutions of . . . . • ■ (39) to consult Commission regard- ing any proposal to reduce number of Branches working Acts.. .. ' .. .. (40) Paragraphs Approved Societies — cont. Trustees to sue and be sued on behalf of (44) Trustees responsible for sound and proper administration of (44) Disputes between, to be decided by Commission . . . . (58) Disputes between Insurance Committees and, to be de- cided by Commission . . (58) Rules . . . . (3), (27) to (38) to see that their complete Rules are available to Mem- bers . . . . . . . . (38) Primary purpose of, is to act as channel through which Members obtain benefits (2), (5) Insured persons have free choice of . . . . . . (4) Conditions of their contracts with Members . . . . (4) are responsible for looking after interests of Members . . (4) to issue Contribution Cards to Members . . . . . . (9) to collect expired Contribution Cards from Members . . (9) to enter Members' contribu- tions in their Insurance Books (9) to inform Members how to claim benefits and to supply necessary forms .. .. (16) should adequately supervise all claims for benefits .. (16) should see that Members observe Rules for behaviour during sickness . . . . (16) Benefits of Acts administered by (19) Duties of, in connection with Medical and Sanatorium Benefits . . (433) to (454) to supply Insurance Com- mittees with Index Slips and Orange Slips in connection with Medical and Sanatorium Benefits (19) must keep Accounts .. .. (14) to enter contributions in Con- tribution Register .. .. (10) to record benefits paid in Benefits Register . . . . (17) to keep Index to Benefits Register . . . . . . (18) must claim Reserve Values to which entitled . . . . (15) to invest Funds not required for current expenditure . . (20) Time allowed for joining .. (108) Special provisions under which arrangements may be made by, for medical treatment of uninsured disabled Members (463), (464) Army and Navy Members — See " Navy and Army Members." 19 290 Paragraphs Arrears — See also " Reserve Contributions." How to calculate " net debit " and " net credit " . . . . (617) do not accrue when Member's normal occupation is not employment within Acts . . (78) For purposes of regulations as to, a person who ceases to be insured and subsequently re-enters is treated as a new entrant . . . . . . (580) Calculation of, in cases of transfer from Deposit Con- tributors Fund . . . . (112) Procedure where transferee from Deposit Contributors Fund is deemed to be in arrears .. . .(115) to (123) Procedure in oases of transfer from Employed to Voluntary Insurance in connection with (618) to (622) Procedure in oases of transfer from Voluntary to Em- ployed Insurance in con- nection with . . (623) to (626) Procedure where husband's or wife's right to Maternity Benefit is extinguished owing to . . (376), (386) to (391) of inmates of Institutions ex- empted under Section 51 (636), (637) Provisions as to married women . . . . (638) to (644) of married women accrued during marriage to be dis- regarded on husband's death (478) in case of woman suspended owing to marriage, arrears during marriage and up to one month after husband's death are to be disregarded on his decease . . . . (479) in cases of delayed suspension of married women who be- come Class H contributors, how to deal with . . . . (507) of Home-trade Mercantile Marine (632) Provisions as to Foreign -going MeroantUe Marine (630), (631) In case of Mercantile Marine, four contributions at foreign- going rate count as five for purposes of .. .. .. (631) Discharged Navy and Army Members not to be regarded as incurring Arrears if in receipt of Total Disablement Pensions and not working (562) of Navy and Army Members (548), (633) to (635) Credit of Reserve Contribu- tions in case of discharged Navy and Army Members . . (634) Paragraphs Arrears — cont. Provisions as to Members under Section 47 . . (627) to (629) Linked-up iUness_and suspen- sion for .. .. (286) (iv) Arrears (Employed Contributors')— Basis of scheme . . . . (581) When calculated . . . . (582) " Contribution Year," what constitutes . . . . . . (582) " Period of Grace " allowed for paying . . (583), (586), (589) " Penalty Tear " for which benefits are reduced owing to (583) " Beserve Contributions," to be credited to all Members ex- cept those under Sections 47 or 53 (585) " Net Penalty Arrears," what constitutes . . . . . . (587) " Beserve Balance," what con- stitutes . . . . . . (587) Periods during which dis- regarded . . . . (584), (637) accruing while in receipt of Sickness or Disablement Benefit to be disregarded (584) [a) accruing while Sickness or Disablement Benefit would have been received but for disqualification to be disregarded . . . . (584) (6) do not accrue while compensa- tion or damages being re- ceived during incapacity . . (231), (584) (5) accruing while Sickness or Disablement Benefit would have been received but for suspension owing to Arrears to be disregarded . . (684) (c) accruing during two weeks before and four weeks after confinement not counted against insured woman en- titled to Maternity Benefit (256), (584) (d) during period between hus- band's death and birth of posthumous child to be dis- regarded where Maternity Benefit payable . . (584) (e) accrued between 15th July 1912 and 14th July 1913 to be disregarded . . (584) (/) to be notified by Society to Members within six weeks after end of contribution year (590) How to deal with provision- ally lapsed Members who resume insurance within the year allowed by Section 79 (591) due to unemployment, may be paid oS at a reduced rate (220), (592) to (595) 291 FELragiapha Arrears (Employed Contributors') — cont. Meaning of " unemployment " in connection with payment of, at reduced rate . . (592) ' Reduced rate at which may be paid off includes State penny in case of low-wage earners . . . . . . (593) Ascertainment of rate of re- muneration of Members de- siring to pay off, at reduced rate (593) of outworkers under unit system, when to be regarded as due to unemployment and as payable at reduced rate (745) Table showing reduced rates at whioi, may be paid ofE in the various cases . . . (594) must be paid on arrears cards only (595) when paid, date of receipt of card to be entered on it . . (590) paid at reduced rate on ordin- ary contribution cards must be converted into contribu- tions at full employed rate (595) paid at reduced rate count as full qualifying contributions (220) Reduction of benefits owing to (596) to (602) Table showing reduction of benefit owing to . . . . (598) Calculation of benefit payable for fractions of week where Member under penalty for (599) Compensation to be counted as benefit in determining minimum rate of Members under penalty for . . . . (598) Procedure where Member in receipt of Compensation while under penalty for . . (420) Provisions applicable to Mem- bers whose net penalty arrears exceed twenty at three successive yearly calcula- tions .(601), (602) How calculated in oases where Member is paying the volun- tary rate (626) accrue at Irish rate during unemployment in Ireland (594) Entries in Contribution Regis- ter in connection with (209) U) to (r) Arrears (Voluntary Contributors')— When calculated (603), (604), (608) Periods during which dis- regarded (605) Nb part of, excusable . . (612) How to make up the Members' account .. •■ (606), (608) Voluntary contributors do Paragraphs Arrears (Voluntary Contributors') — cont. not receive reserve contribu- tions (607) How to convert amount of, in money into equivalent number of contributions . . (609) Notice to be sent to Member where arrears amount to 26 or more contributions . . (610) When paid, date of receipt of card to be entered on it .. (611) Reduction of benefits owing to (613) to (615) When suspension results from (614) Provisions applicable to Mem- bers suspended for . . . . (615) Notice to be sent to Contribu- torswhen suspendedfor . . (212) (o) Suspensions owing to, to be reported to Commission (212(0), (615) Entries in Contribution Regis- ter in connection with . . (212) Arrears Benevolent Fund — voted by Parliament towards payment of arrears due to genuine unemployment . . (645) Conditions under which arrears may be discharged out of . . (633), (646) Assistance out of, not to be given unless applied for before end of period of grace (646), (657) Form of application for assist- ance out of, to be sent to Members eUgible therefor . . (649) Arrears debited to Navy or Army Members on discharge may be paid out of, without application from Member . . (633) Procedure to be followed in administering . . (647) to (660) Cards not to be stamped for arrears discharged out of . . (653) Credit for arrears discharged out of, to be claimed in special return . . . . (653) Provisions regarding, in case of Mercantile Marine . . (660) Outworkers should get benefit of, only in respect of arrears substantially due to inability to obtain work . . . . (746) Arrears discharged out of, count as qualifying con- tributions . . . . . . (658) Entries in Employed Con- tributors' Contribution Re- gister in connection with (209) (o), (659) Arrears Cards- Kind to issue . . (172), (173), (610), (650), (655), (656), (660) 292 Paragraphs Arrears Cards — cont. Special, for Foreign-going Mercantile Marine . . (660) (c) for Voluntary Contributors (173), (610) notifying arrears outstanding to be sent to employed contri- butors within six weeks after end of contribution year . . (590) Arrears of employed contribu- tors must be paid only on . . (595) not to be stamped for arrears discharged out of Benevo- lent Fund (653) date of receipt of stamped, to be entered on by Society . . (221) (590), (611) Assignation — of benefits void . . . . (214) Associations — of small Societies for Valua- tion and other purposes (727) to (734) of small Societies must not involve interference with self-government of com- ponent Societies . . . . (733) of small Societies, Commission to be informed of proposed formation of . . . . (733) of small Societies, Commission cannot advise Societies as to advisability of joining . . (734) of small Societies may under- take co-operative book- keeping arrangements . . (732) Associations, Nursii^g — See " Subscriptions to Hospi- tals, Nursing Associa- tions, etc." Asylum — See " Inmates of Institutions." Auditors — Societies to submit their Accounts to, periodically . . (14), (667) (c) may inspect all Deeds, Docu- ments of Title, and Securities (44) will not pass expenditure not properly incurred or author- ised (725) Auditors' Reports — to be set out in full in Minutes (55) Copies of, to be sent to Mem- bers . . . . . . . . (55) Ballot of Members — Rule regarding . . . . (51) Banking Account — Rules as to operating on Society's (675) Faragnphs Behaviour during Sickness — Societies to see that Members observe Rules as to . . . . (16) Benefit Docket — Preparation of . . . . (416) Example showing how to com- plete (419) How to complete, in Com- pensation Cases . . . . (420) to be produced to Auditor . . (418) Benefits — See also " Arrears." " Benefits Register." " Disablement Benefit." " Maternity Benefit." " medical Benefit." " Sanatorium Benefit." " Sickness Benefit." " Suspension for Offences." " Voluntary Contri- butors." Medical and Sanatorium, ad- ministered by Insurance Committees . . . . (19) Sickness, Disablement, and Maternity, administered by Approved Societies . . (19) under Insurance Acts not a£Eected by benefits in respect of insurance apart from State scheme (213) " are inalienable . . . . (214) Societies must inform Mem- bers how to claim, and supply necessary forms . . (16) Claims for Sickness, Disable- ment, and Maternity, must normally be referred to centre where Benefits and Contribution Registers are kept (422) Society cannot make deduc- tion from, to pay non-State contributions . . . . (214) Importance of proper super- vision of claims for . . (667) of transferees, respective lia- bilities of old and new So- cieties . . . . . , (101) Commencement of Society's liability for, in case of transfers from Navy and Army Fund after discharge (133) of Members whose "normal occupation is not employ- ment within Acts . . . . (78) , Benefits, Additional or Alterna- tive — Position of Section 47 Mem bers in regard to schemes for (567) Benefits, Non-State— do not affect State Benefits . . (213) not affected by Section 47 . , (567) 293 Faragrapha Benefits Register- Purpose of . . . . . . (17) When separate, to be kept for separate countries in United Kingdom . . . . (410), (411) to be kept in six sections . . (409) All payments of Sickness, Dis- ablement, and Maternity Benefits to be entered in . . (407) Every incapacity for which benefit is paid or detmed to have been paid to be entered in (406), (413) How to make entries in . . (408) Explained by columns . . (415) to be summarised at 31st December each year . . . (414) to be used in conjunction with Employed Contributors' Benefit Docket . . . . (412) Maternity Benefit Totals from, to be used for Half- Yearly B«turn (407) Societies to keep Index to (18), (421) Sickness and Disablement Record Card to be kept as Index to (421) Purpose of Index to . . (18), (421) Claims for Sickness, Disable- ment, and Maternity Bene- fits must normally be re- ferred to centre where Bene- fits and Contribution Re- gisters are kept . . . . (422) Benevolent Fund — See " Arrears Benevolent Fund." Birth Certificates — Cheap, how obtained . . . . (139) Book-li:eeping — Co-operative, may be arranged for by . associations of small Societies (732) Books — See also " Accounts." " Insurance Books." in which Societies must keep aocqunts . . . . . ■ (14) Branches — Government of, to be pro- vided for in Society's Rules (27) are bound by Rules of So- ciety as approved by Com- mission . . • • • • (33) Rules of, not examined by Commission . . . . • • (33) Commission to be consulted in regard to proposed re- duction in number of branches working Acts . . (40) Registered, to be valued sepa- rately .. ... •• (726) will ordinarily obtain infor- mation from their own head ofl&oe, but where necessary Paragraplis Branches — cont. will correspond with Com- mission for country in which registered office of Branch is situated (754) Breach of Rules — jSfee " Rules oi Conduct." British Nationality and Status of Aliens Act, 1914. (466), (467) British Subjects — Meaning of term . .(465) to (467) Who are also aliens . . (467) (e) When aliens to be treated as (468) Bulk-Stamping — See " High- Value Stamps." Card, Sickness and Disablement Record — to be kept as Index to Bene- fits Register . . . . (421) Cards — Sie " Arrears Cards." " Contribution Cards." Cash Book — See also " Advices." Form of, not prescribed, but model forms issued by Com- mission . . . . . . (684) Classification of credit entries in (685) Instructions for posting of credit entries to ledger from (686), (687), (689) Head, " Other Administration Expenses," to be subdivided if Auditor so requires . . (688) Entries relative to Suspended Married Women's Register (519), (520), (530) Entries in, regarding subscrip- tions to Hospitals, Nursing Associations, etc., and pay- ments to nurses .. .. (751) How to keep Petty Cash Book . . . . (691) to (694) Cash Summary Return, Halt- Yearly— See " Half- Yearly Cash Sum- mary Return." Central Guarantee Fund — See " Malversation of Funds." Certificated Teachers — See " Teachers, Certificated." Certificates of Approval^ — of Societies, of Rules, and of Amendments of Rules to be carefully preserved by So- cieties (26) to be printed at end of Rules . . (29) 294 Paragraplis Certificates of Birth — How to obtain cheap . . . . (139) Certificates of Marriage — How to obtain cheap . . . . (400) Certificates, Sailors' and Soldiers' Discharge — not to be taken out of Mem- bers' possession . . . . (549) Certificates, Sailors' and Soldiers' Pension Identity — not to be taken out of Mem- bers' possession . , . , (240) Certification — Scheme of, introduced 1st January 1915 . . . . (291) Objects of scheme of . . . . (292) Rules made by Commission . . (304) Forms of certificates . . . . (293) Special form of certificate used for inmates of Scottish Institutions for the Insane . . (319) Arrangements for supply of forms of certificates . . (295), (333), (334) Forms of certificates include declarations on and ofi, etc. (296) Each certificate to be given on a separate form . . , . (294) First and Final Certificates required in every case . . (297) Rules for dating certificates , , (298) Certificates are to be given when patient is examined . . (299) Times for giving certificates do not necessarily correspond with Society's pay-day . . (300) Ante-dating and post-dating of certificates forbidden . . (301) Certificates normally to be retrospective and not pro- spective in effect . . . . (302) Insured persons to send certi- ficates to Society as soon as received . . . . . . (307) No benefit ordinarily payable until Second Certificate re- ceived by Society . . . . (308) Second Certificate to be given within eight days of first . . (309) Intermediate Certificates to be given every week. . (310), (311) Day up to which benefit may be paid on Intermediate Certificates (312) Final Certificate to be given as soon as doctor thmks in- sured person fit for work . . (313) Final Certificate not to be given after insured person returns to work (314) Use of space on certificates for remarks . . . . . . (315) Patients not seen until after commencement of incapacity (316) Paragraphs Certification — oont. Arrangements for certification at longer intervals than a week . . . . . . . . (317) Patients going away from home .. .. .. (318) Inmates of Institutions . . (319) of Out-patients of Institutions (320) In cases where benefit is not claimed, certificates may nevertheless be required . . (321) Disease to be stated on every certificate and not in terms involving reference to pre- vious certificates . . . . (331) Disease normally to be plainly stated on certificates so far as diagnosis permits . . (303), (322), (329), (330) Special cases in which disease not stated on certificates . . (323) to (328) Venereal cases in which disease not to be stated on certifi- cate (324) Doctor to notify Society and Commission or Government Referee where he does not state disease on certificate . . (326), (327) Societies to have right to refer to Commission or Gcovem- ment Referee where disease not stated on certificate . . (327) Form on which doctor to notify Society where he does not state disease on certificate (328) Complaints against doctors regarding, to be lodged with local Insurance Committee (332) Obligations of doctors under scheme of, made part of their agreements . . . . . . (304) Where Member has made " own arrangements " for medical treatment .. .. (333) where Member engages doctor privately at own expense . . (334), (335), (336) New system of, does not dis- qualify Members who pro- duce certificates from doctors attending them in a private capacity . . . . (335) Certificates from doctors attending Members in private capacity to be care- fully scrutinised . . . . (336) Changes of Address- Slips requesting Members to notify (162) When to be intimated by Societies to Insurance Com- mittees (438) How to obtain Medical Benefit after (457) 295 Paragraphs Changes from Voluntary to Employed Rate and uice versa .. .. (195), (196), (578), (618) to (626) Channel Islands- Member not entitled to Medi- cal Benefit when in . . . . (426) Effect of residence in, as regards Sickness Benefit . . (222) Effect of residence io, as regards Maternity Benefit . . (372) to (374) Charge — on benefits void . . . . (214) Charitable Institutions — See " Inmates ol Institutions." Cheques — Use of, in paying benefit . . (355) on Societies' Banking Ac- counts, Signature of . . (675) Children — See " Maieinity Benefit." " ninoiE." Circulars — Commission's arrangements for distributing . . . . (759) ordinarily issued only to Head Offices of Societies . . . . (759) Claims — for Sickness, Disablement, and Maternity Benefit must nor- mally be referred to centre where Benefits and CJontribu- tion Registers are kept . . (422) Class B— See " Navy and Army Mem- bers." Class H— See " Special Voluntary Con- tributors (Married Women)." Classes of Members- described . . . . . . (92) which have ceased to exist . . (93) Changes from one class to an- other to be entered in Membership Register .. (158) Clerks- It class of employment speci- fied in a, special order under Section 47 (555) Collection of Cards — See " Contribution Cards." College — Late entrants whose time since 17 has been spent in, to get full benefits without extra payment . . . . • • (267) Colonies — Effect of naturalisation in (467) (a) Paragraphs Colonies — cont. Branches of Societies in, may arrange for reciprocal pass- ing of Transfer Values of Emigrants (735) Commission — General direction and super- vision of National Health Insurance scheme vested in (1) Control National Health In- surance Fund .. (12), (661) Approved Societies . . . . (21) may withdraw Society's ap- proval on account of mal- administration, failure to comply with Acts, or con- travention of certain Acts . . (25) Amendments of Rules require approval of . . . . . . (34) to be consulted by Societies contemplating Transfer of Engagements, Amalgama- tion, or Dissolution . . .. (39) to be consulted regarding any proposal to reduce number of Branches working Acts . . (40) Appeals to, in cases of dispute (57), (58) to be notified of expulsions and withdrawals of Members (85), (86) to be furnished with list of voluntarj* contributors sus- pended for arrears . . (212) (o) to decide whether Society's consent to Member's trans- fer unreasonably withheld . . (99) may in certain circumstances refund contributions paid in error (199), (202) may in certain circumstances replace lost and destroyed cards (203) to (207) Agreements in Compensation Cases are notified to (236) (d) Extent to which guidance in Compensation Cases is of- fered by .. :. (236) (c) inform Societies of grant of Total Disablement Pensions to Members (240) inform Societies of substitution of Total for Partial Disable- ment Pensions, and vice versa (246) decide claims by late entrants to be entitled to full benefit without additional payment (268) will accept payment of capital sums by late entrants either direct or through the So- ciety (260) to be notified by panel doctors in cases where disease not stated on medical certificate (327) notify Insurance Committees where members 65 years old or upwards on entry 296 Paragraphs Commission — cont. have not paid 27 contribu- tions on reaching 70 . . (429) issue special Yellow Vouchers entitling persons who fre- quently move from place to place to Medical and Sana- torium Benefits . . . . (451) notify Societies of issue of Travellers' (Yellow) Vou- chers .. .. . . . . (451) Society to notify changes of status of persons hold- ing Travellers' (Yellow) Vouchers to . . . . . . (451) inform Societies of amounts available for benefits of sus- pended married women who do not join Class H. . .. (496)- to be informed where errone- ous payment of Section 47 contributions is suspected (658) how they issue money to Societies (674) instruct Societies as to claims in respect of malversation on Central Guarantee Fund or Guarantee Company . . (676) to be notified of loss due to malversation within seven days of discovery . . . . (677) to be notified of proposed formation of Associations of small Societies for valua- tion or other purposes . . (733) Position of, in regard to Asso- ciations of small Societies for valuation and other purposes defined . . . . (734) Calculate amount payable to Teachers' Superannuation Fund in respect of Members becoming certificated teach- ers and advise Society of debit (742) Their arrangements for issue of Circulars and Regulations (759), (760> Committee of Management — Duties of (45) Trustees of Society may be authorised by rule to attend meetings of . . . . . . (44) Desirability of having women on (45) Committees — See " Insurance Committees." Compensation or Damages- Maternity, Medical and Sana- torium Benefits not affected by receipt of .. .. (230) Effect of receipt of, on benefit (224) to (236) If weekly value of, is equal to or greater than benefit, latter is not payable . . (224) Fara^apbs Compensation or Damages— cow^ If weekly value of, is less than benefit, difference is payable (225) Duration of Sickness Benefit where reduced owing to . . (227), (228), (237) to (290) and Linked-up Illness (287) to (290), (420) where benefit wholly withheld owing to receipt of, the ill- ness is not linked-up . . (288 ) where part benefit paid, period of illness is reduced for link- ing-up purposes . . (289), (290) How to complete the Benefit Docket where Member re- ceives . . . . . . . . (420) How to treat Member in receipt of, while under pen- alty for arrears . . . . (420) to be counted as benefit in determining minimum rate of Member under penalty for arrears . . . . . . (598) Steps to be taken by Societies where, appears to be re- coverable . . (232) to (236) Lump sum settlements (233), (234) Effect of neglect by Societies to watch oases where, may be recovered . . . . (235) Agreements for, prompt action by Societies in regard to advised . . (236) (d) and (/) Forms provided for use of Societies in connection with (236) Extent to which Commission offer guidance in regard to oases of . . . . (236) (c) Employment by Societies of Law Agents to advise in cases of . . . . (236) (c) Benefit may be advanced pending settlement of claim for (226) Recovery of benefit advanced pending settlement of claim for (226) Contributions not payable while person incapacitated and receiving .. .. (231) Arrears accruing while person incapacitated and receiving, to be disregarded . . . . (231) Position of Territorials and Special Reserves in regard to (229) Complaints — against Societies arising from ignorance of Rules, how avoided . . . . . . (38) regarding Medical Benefit to be made to local Insurance Committee (459) against panel doctors to be made to local Insurance Committee . . . . (332), (459) 297 Paragraphs Complaints — cont. Frivolous, against panel doctors or in regard to Medical Benefit, to be deemed breach of Rules . . (461) Conduct while receiving Medical Benefit— See " Rules of Conduct." Conduct while receiving Sickness or Disablement Benefit — See " Behavioui during Sickness." Confinement — Women receiving Maternity Benefit ia respect of, to be attended by doctor or quali- fied mid-wife . . . . (382) Insured married woman gets additional Maternity Benefit in Ueu of Sickness Benefit for four weeks after . . . . (256) Insured married woman not to undertake remunerative work for four weeks after confinement . . . . (256) Unmarried woman not usually entitled to Sickness Benefit for four weeks after . . (255) Married Woman special voluntary contributor not usually entitled to Sickness Benefit for two weeks before and four weeks after con- finement . . . . . . (255) Sickness Benefit payable in respect of incapacity after expiry of four weeks after . . (256) No account taken of arrears accruing during two weeks before and four weeks after confinement in certain cases (256) Position of married woman ceasing work owing to . . (494) Contribution Cards — Kinds of, described . . (165), (166) When to issue . . . . (162), (164) To be issued to accepted Members only . . . • (63) Issue of new, in transfer cases (102), (106) Not to be issued by Societies for Navy and Army, Mer- cantile Marine, and Out- worker (unit system) Mem- bers (166), (167) Class H, to be used by Class H contributors who resume employment, unless they elect to be treated as em- ployed contributors . . (503) to be used by late entrants who pay voluntary rate . . (170) A(L) and E(L) not to be issued to persons under 21 . . (169) Arrears cards, kind to issue for different purposes ' . . (172) Paragraphs Contribution Cards — cont. Voluntary contributors', issue of .. .. (168), (188), (189) How to prepare for issue . . (162) Insertion of identification mark on to prevent loss .. .. (163) Identification mark must be inserted on front of, with rubber stamp . . . . (163) Voluntary contributors', rate of contribution to be entered on, before issue . . . . (168) Prescribed time for handing in expired (176) to be signed by Members before surrender . . . . . . (177) When to fine Member for surrendering two or more . . (164) surrendered to Commission before Member joined So- ciety, how to obtain . . (107) Local officials should be warned against accepting, from per- sons not admitted to mem- bership . . . . . . (63) surrendered to wrong Society, how to claim credit for . . (180) How to deal with stamped, on surrender . . (181), (182) bearing unauthorised low- wage stamps, procedure where surrendered . . . . . . (178) How to deal with, in transfer cases.. .. (102), (103), (106) How to deal with, in cases of transfers from Deposit Con- tributors Fund (111), (114), (123) How to deal with, in cases of transfer from the Navy and Army Fund after discharge (133) Employed contributors', how to enter in Contribution Register . . (209) (e) to {g) Late, how to enter in Contri- bution Register . . (209) (/) Procedure for recovering lost (179), (203) lost by employer may be re- placed by Commiasion . . (205) lost by Society, to be replaced out of Administration Ac- count or by officer culpable (204) lost in post or in railway transit may be replaced by Commission . . . . . . (206) lost by Members themselves, no allowance can be made for (204) destroyed, may be replaced by Commission . . . . (207) Emergency, may be obtained at post-offices .. .. (171) Contribution Register- Purpose of . . . . (11), (208) Approved Societies to enter Members' contributions in. . (10) 298 Paragraphs Contribution Register — cont. to be altered to correspond with any adjustment in Half- Yearly Return advised by Commission . . . . (705) Date and cause of suspension and date of issue of Orange Slip to be entered in . . (450) Separate registers or sections to be kept for men and women employed contri- butors of each class (209) (a) and (6) for employed contributors, how to enter cards in (209) (e) to (g) Entries in transfer cases (102), (103), (106) Entries in cases of transfer from Deposit Contributors Pund .. .. (Ill), (112), (113), (114), (116), (121) for] employed contributor^, entries in. as to Arrears (209) (j) to (r) for employed contributors, entries in, as to Reserve Balance . . . . (209) (j) for employed contributors, entries in, as to Reserve Contributions . . (209) (i) for employed contributors, entries in, as to Arrears Benevolent Fund (209) (o), (659) for voluntary contributors, separate sections to be kept for each class . . . . (210) for voluntary contributors, how to enter up . . . . (212) Contribution Year— for ordinary Members . . (582) for Foreign-going Mercantile Marine (630) Contributions — jSfee also " Aliens." " Mercantile Marine." " Navy and Army Members." " Refund of Contribu- tions Paid in Error." " Section 47." " Special Voluntary Contributors (Mar- ried Women)." " Voluntary Contri- butors." not payable while person in- capacitated and receiving compensation or damages . . (231) Contributions paid by High-Value Stamps — Table and instructions for ascertaining number of (190) to (194) Paragraphs Contributions Paid in Error — Society to retain, unless in special circumstances .. (199) Conditions under which So- cieties retain .. .. (199) Contributions, Qualifying — 8ee also " Disablement Benefit." <■ Maternity Benefit." " Sickness Benefit." Arrears paid at reduced rate count as (220) Arrears discharged out of Benevolent Fund count as (658) paid for weeks of incapacity must be at full rate . . . . (220), (359), (592) Benefits not payable in respect of period prior to completion of (359) None for Medical and Sana- torium Benefits . . . . (432) Contributions, Rates of — Members', how ascertained . . (144) for men employed contributors (185), (187) for women employed con- tributors .. .. (186), (187) for aliens are same as for British subjects . . . . (469) for voluntary contributors . . - (188), (573) Changes in Members' to be noted in Membership Regis- ter (144) of voluntary contributors do not normally change . . (145) Changes from voluntary to employed, and vice versa . . (195), (196) Notice of change from volun- tary to employed . . . . (195) /When to obtain low-wage declarations .. .. (183) / Where low- wage paid in mis- take, Membei may be given opportunity of adjustment (184) Convalescence — Rules as to certificates in support of claims for benefit where patients sent away from home for change . . (318) Convalescent Homes — See " Inmates ol Institutions." Correspondence — of International Societies and Branches . . . . . . (754) Instructions regarding postage of (755), (757) Credit, Net- How to calculate . . . . (617) Damages — See " Compensation or Damages.' 299 Paragraphs Date of Entry into Insurance — How asoertamed (141), (142), (193) How ascertained from cards bearing high-value stamps (193) Death- Disposal of benefit due at date of Member's .. (251), (357) Debit, Net- How to calculate . . . . (617) Decisions — Important, to be recorded in Minutes (54) Declarations of Alienage (467) (e) Declarations by Late Entrants (268) Declarations, Low-Wage — When required .. .. (183) Declarations On and Off (312), (3i3) Deeds, Documents of Title, and Securities — Trustees of Society responsible for safe custody of . . . . (44) Deficiencies — on Administration Account (351), (714), (716) to (723) at Valuation . . (726), (729), (730) Dependants — See also " Inmates of Institu- tions." " Mercantile Marine." " Minors." Different scope of term in connection with different provisions . . . . (250), (275) Dependence — upon earnings in connection with voluntary insurance (570) (c) Deposit Contributors — See also " Transfers from De- posit Contributors Fund." " Transfers to Deposit Contributors Fund." Prescribed time on expiry of which insured persons who have not joined Societies become .. .. (107), (108) Maternity Benefit of wives of (390) admitted to Society, Index Slips to be sent to Insurance Committees for . . . . (437) Desertion^ — by husband, efieot of, on married woman's insurance (480) Destroyed Cards — may be replaced by Commis- sion (207) Disabled Uninsured Members- Special provisions as to medi- cal treatment of . . (463), (464) Fara€;rapb8 Disablement Benefit — See also " Inmates of Institu- tions." " Suspension for Of- fences." Administered by Approved Societies .. .. .. (19) 104 weeks to have elapsed from entry into insurance and 104 contributions to have been paid (359) of late entrants not reduced . . (359) When payable . . . . (358), (360) not payable for period prior to completion of qualify- ing contributions . . . . (359) Rate, commencement, and duration of (360) Certification and treatment of claims for . . (291) to (350), (361) Payment of (362) Effect of pensions of dis- charged soldiers and sailors on . . . . (237) to (246) Disablement Pensions — See " Pensions." Discharge — See "Navy and Army Members." " Transfers from Navy and Army Fund." Discharge Certificates — not to be taken out of posses- sion of discharged Navy and Army Members . . . . (549) Diseases, Industrial — See " Compensation or Da- mages." Diseases, Venereal — See " Certification." Diseases, Women's — See " Certification." Dispensaries — See " Subscriptions to Hospi- tals, Nursing Associa- tions, etc." Disputes — Societies to give Members de- sirous of disputing decisions all necessary information . . (57) regarding suspension from benefits for offences . . (273) to be decided in accordance with Rules (57) to be dealt with as expeditiously as possible . . . . . . (57) FuU record of proceedings con- nected with, to be inserted in Minutes . . . . . . (54) Cases in which no appeal Ues to Commission . . . . (57) 300 Faragraphfl Disputes — cont. between two or more So- cieties, or between a Society and an Insurance Com- mittee, to be decided by Commission . . . . (S8) Disqualifications for Benefits— See " Disablement Benefit." " Maternity Beneat." " Medical and Sanatorium Benefits." " Sickness Benefit." Dissolutions — of Approved Societies . . (39) District Nursing Associations — See " Subscriptions to Hospi- tals, Nursing Associa- tions, etc." Districts — are bound by Society's Bules as approved by Commission (33) Kules of, not examined by Commission . . . . . . (33) Divisions — at meetings, votes for and against to be recorded in Minutes . . . . . . (54) Divorce — Effect of, on married woman's insurance . . . . . . (480) "Dock Battalions'' .. .. (548) Docket — -See " Benefit Docket." Doctors — iSee " Certification." " Maternity Benefit." " Medical Benefit." " Medical and Sanatorium Benefits." " Panel Doctors." Documents — exempt from Stamp Duty . . (758) Documents of Title, Deeds, and Securities — Trustees of Society responsible for safe custody of . . . . (44) Domestic Servants — A class of employment speoi. fied in a special order under Section 47 (556) Domicile — Meaning of term . . . . (534) Donations — See " Snbssriptions to Hospi- tals, Nursing Associa- tions, etc." Paragraphs Duplicate Stamping- Refund allowed in all cases of (202) Duties of Officers- See " Officers." Duty, Stamp — List of documents exempt from (758) Earnings — Dependence upon, in connec- tion with voluntary insur- ance (570) (c) Education — Late entrants engaged since 17 in completing, to get full benefits without extra pay- ment (267) Emergency Cards .. (i7i) Emigrants — Position as regards benefits . . (222), (372) to (374) Conditions imder which Trans- fer Value of, may be paid to a foreign or colonial branch of a Society . . . . . . (735) Employed Contributors — Time allowed for joining So- ciety (108) How to ascertain date of entry into insurance (141), (193) How to ascertain date of entry into insurance from cards bearing high-value stamps . . . . . . (193) Kinds of cards applicable to various classes of . . (165), (166), (169), (170) Rates of contributions ap- pUcable to various classes of .. .. (185), (186), (187) Changes to voluntary rate, and vice versa . . (196), (196) Persons erroneously insured as, who wish to become voluntary contributors . . (201) Employers- How they may adopt Section 47 (554) Liability under Section 47 commences on date of de- spatch of notice to Com- mission . . . . . . (660) who have adopted Section 47, period for which liable to pay full remuneration . . (560), (561) (footnote) Duties to Societies of, who have adopted Section 47 , . . (556) Employers' Provident Funds — may be Approved Societies . . (22) 301 Paragraphs Employers' Provident Funds — cont. If employers represented on management of, they must undertake certain obliga- tions (22) Employment within the Acts — Effect of cessation of (67) to (71) Normal occupation . . (72) to (79) Seasonal employments and normal occupation . . . . (75) Entry into Insurance- How to ascertain date of . . (141), (142), (193) How to ascertain date of, from cards bearing high- value stamps . . . . (193) Erroneous Insurance (197) to (20i) Exempt Married Women Voluntary Contributors' Account — (520), (531) Exempt Persons- admitted to Society, Index Slips to be sent to Insurance Committees for . . . . (437) who become insured as late entrants may obtain pay- ment out of Exempt Persons' Fund of capital sum neces- sary to qualify for full benefit (266) Exemption Certificates — to be issued to Class H con- tributors exempting them from being treated as em ployed contributors on re- suming employment . . (500) Exemption from Stamp Duty- List of documents exempt . . (758) Expenditure on Administration — (711) to (725) Expulsion from Membership of Approved Society — See " Membership." Farm Servants— A class of employment speci- fied in a special order under Section 47 (555) Finance of Societies — See also " Accounts." , ^ " Banking Account." " Investments." " Malversation of Funds." " Security." " Valuations." Provisions regarding . .(661) to (725) General scheme of . . (679), (680) Paragraphs Finance of Societies — cont National Health Insurance Fund (661) Purpose of Half- Yearly Return of Contributions .. (12), (661) Purpose of Cash Summary Returns (663) Reserve Values Sinking Fund (662) State Contribution in respect of low- wage earners . . (662) State Grants towards ex- penditure on benefits and administration ' . . . . (663) Advances granted only for current requirements . . (665) Security against malversation to be given where advances required from Fund. . (667) (a) Importance of proper super- vision of claims for benefit (667) Proper accounts to be kept in prescribed form .. (667) (6) Accounts to be submitted to Government Auditors (667) (c) Many transactions carried out without money passing (668), (681) How Commission issue money to Societies (674) Resolutions regarding, to & recorded in full in Minute Book (55) Fines — for surrendering more than one card in half-year, when im- posable . . . . . . (164) for breach of Medical Benefit Rules (461) Fishing Service (Sea)— See " Mercantile Marine." Foreign Branches — of Societies may arrange for reciprocal passing of Trans- fer Values of Emigrants . . (735) Foreigners — See " Aliens." Foreign-going and Foreign-trading Ships — See " Mercantile Marine." Forms— of 'application for member ship .. (60) for notifying expulsions and withdrawals . . . . . . (85) on which to claim cards sur- rendered to Commission before Member joined Society (107) on which to claim credit for cards surrendered to wrong "^i~ Society (180) 302 Paragraphs Forms — cont. to be used in oases of transfers from Deposit Contributors Fund (110) for claiming transfers from Navy and Army Fund (128), (135) of declaration in support of low-wage stamps . . . . (178) of notice of change from voluntary to employed rate (195) for use in Compensation or Damages Cases . . . . (236) relating to Total Disablement Pensions . . . . (240), (242) of Agreement with Institu- tions as to benefits of in- mates . . . . . . (264) of letter to be sent to late entrants on admission to Society (258) on which late entrants may claim full benefit without additional payment . . (268) of medical cert&cates . . (293) on which panel doctors notify . Societies that disease is not stated on certificate . . (328) of sick visitors' reports . . (348) to be used by wife's Society in 'communicating with hus- band's Society regarding Maternity Benefit . . . . (369) to be used by wife's Society in communicating with Com- mission regarding Maternity Benefit where husband is a deposit contributor . . (370) Index Slips, Orange Slips, and Removal Slips . .(433) to (454) on which Society to notify Commission when Member 65 years old or upwards on entry reaches 70 without having paid 27 contributions (429) of application for medical cards (456) of claim for 2s. 6d. grant towards medical treatment of uninsured disabled Mem- bers . . . . . . . . (464) on which married women Members may submit proof of continuing employment (491) on which women Members should be notified that Society is satisfied employ- ment continues after mar- riage (492) to be used in notifying married women of suspension, and explaining their options . . (496) on which suspended married women may notify Society of option they decide upon (496) on which Society must notify Commission of woman Mem- ber's marriage . . . . (496) Paragraphs Forms — cont. - exempting Class H contribu- tors from being treated as employed contributors on resuming employment . . (500) for use in case of Section 47 Members .. .. (560). (564) of notice of arrears to be sent to employed contributors . . (590) of notice of arrears to be sent to voluntary contributors (610) of application for assistance out of Arrears Benevolent Fund . . (649), (660) (c) on which Societies must report suspensions of voluntary contributors for arrears . . (212) (0), (615) on which to notify Commission of loss due to malversation (677) of cash-book, model . . . . (684) of ledger, model . . . . (699) of certificate that 52 contribu- tions have been paid in year for outworker under unit system . . . . . . (744) Friendly Societies Act, 1896 — Provisions of, regarding dis- putes . . (57) (footnote) Fund, Arrears Benevolent— See " Arrears Benevolent Fund." Fund, Central Guarantee — See " Malveisation of Funds." Fund, National Health Insurance — See " National Health Insur- ance Fund." Fund, Reserve Values Sinking — See " Reserve Values Sinking Fund." Funds — See " Malversation of Funds." Funds, Societies' — Management of . . . . (675) Grants, State — See " State Grants." Grouping— of small Societies for Valua- tion (727) to (730) Guarantee Fund — See " Malversation of Funds." JBalf-Yearly Cash Summary Re- turn — Purpose of (663) Total Disablement Benefit paid to be entered in . . . . (415) Maternity Benefit Totals from Benefits Register to be en- tered in (407) 303 Fai:agraphs Half- Yearly Cash Summary Re- turn — cont. Total Sickness Benefit paid to be entered in . . . . (415) Half-Yearly Financial Statement- Procedure to be observed in connection with . . . . (55) Entry in Minutes regarding . . (55) Half-Yearly Return of Contribu- tions — Purpose of, is to establisb Society's credit in National Health Insurance Fund (12), (661) Compilation of (182), (209), (212) to be sent to Commission with stamped cards . . . . (182) Entry of cards in transfer oases .. .. (102), (103), (106) Entries in cases of transfers from Deposit Contributors Fund (Ill), (114) Entries in cases of transfer from Navy and Army Fund after discharge . . . . (133) If fotmd incorrect, adjust- ments advised by Commis- sion to be given effect to in Contribution Register . . (705) High-Value Stamps — Table and instructions for ascertaining number of con- tributions represented by . . (190) to (194) representing low-wage and other contributions, how respective numbers ascer- tained (194) How to ascertain date of entry into insurance from cards bearing (193) Homes, Convalescent — See " Inmates oi Institutions." Home-Trade Ships — Definition of (535) Honorary Members of Societies — are debarred from voting as such (48) may be entitled to vote in virtue of holding office . . (48) Hospitals — See " Inmates of Institutions." " Subscriptions to Hospi- tals, Nursing Associa- tions, etc." Identification Mark — Insertion of, on contribution cards to prevent loss . . (163) Illegal Payments — will not be passed on Audit . . (725) Paragraphs Illness, Linked-up — See " Linked-up Illness." Income^ in connection with voluntary insurance (570) (d), (431), (577) Index to Benefits Register — Sickness and Disablement Record Card to be kept as . . (421) Index Register — See also " Index Slips." Purpose of .... . . (433) Importance of prompt notifica- tion of changes affecting . . (453) Index Slips — in respect of all Members to be sent by Societies to Insur- ance Committees to form " Index Register " . . (19), (434) to (437) for new Members to be sent by Societies to Insurance Com- mittees on admission . . (436) for transferred Members to be sent (437) to be sent in respect of Mem- bers previously suspended from and again entitled to Medical and Sanatorium Benefits (444) to be sent to Insurance Com- mittee on discharge of Navy and Army Members . . (445) Pink, to be sent in respect of aass H Members . . . . (446) required on reinstatement of Members after lapse from insurance . . . . . . (448) to be sent to Insurance Com- mittees in weekly batches . . (452) Table showing sUps to be sent to Insurance Committees in the various oases . . . . (452) to be sent to Insurance Com- mittees reinstating soldiers sent back to work in muni- tion factories . . . . (548) Procedure in case of persons holding Travellers' (Yellow) Vouchers . . . . . . (451) Particulars to be furnished to Insurance Committees in regard to women Members who marry . . . . . . (446) Procedure where Class H Mem- ber transfers to another class (447) Changes of address, when to be intimated on removal slips (438^ Procedure on Member remov- ing to Ireland . . (438), (443) Fresh, not necessary on Mem- ber's return from Ireland . . (444) 304 Paragraphs Index Slips — cont. ^ 'Importanbe of prompt notifi- cation of changes afieoting Index Register . . . . (453) Importance of prompt reply to inquiries from Insurance Committees regarding . . (454) Duplicate, not to be issued . . (436) When Orange. Slips to be sent to Insurance Committees . . (200), (209) (r), (212) (n), (429), (441), (442), (4.48) India Office — pay Maternity Benefit as agents of Societies to eoldier's wives confined in India . . . . (547) Industrial Diseases — See " Cojupensaiion or Damages." Infirmaries — See " Inmates of Institutions." ■ Injuries — ;See " Compensation or Damages." Inmates of Institutions — term does not include nurses, etc., employed in the Institu- tion . . (247) (footnote) No Sickness Benefit to be paid to, if Institution is supported by public funds or charity or is an approved sana- torium (247) not supported by public funds or charity or not approved sanatoria to get Sickness Benefit under ordinary con- ditions (248) Dependants of, to get Sickness Benefit . . . . (249), (250) Wishes of, to be ascertained by Societies before applying Sickness Benefit to refieve dependants . . . . . . (250) with no dependants, disposal of Sickness Benefit of .. (251) Balance of Sickness Benefit due to, to be paid after departure from Institution .. .. (251) Extent of Society's discretion as to application of Sickness Benefit of (253) and Linked -up lUness . . (286) (i) Certificates in support of claims for benefit by .. .. (319) Maternity Benefit not payable while mothers are . . . . (377) Maternity Benefit of mothers who are, to be paid to de- pendants (if any) . . . . (378) Additional (but not ordinary) Maternity Benefit of mothers who are, to be paid to de- pendants (379) Maternity Benefit of mothers who are, and have no dependants, how disposed of (380) Paragraphs Inmates of Institutions — cont. Balance of Maternity Benefit (ordinary as well as addi- tional) to be paid to, on leaving (381) " Dependants " of, scope of term (250) Agreements between Societies and Institutions in regard to Sickness Benefit of (251) (6), (254) Agreements between Institu- "' tions and inmates do not ■justify Society in paying benefit to Institutions (251) (6) , Agreements with Institutions as to payment out of Maternity Benefit towards maintenance of . . (379), (380) How to determine whether Institution is supported by charity (252) exempted under Section 51, are suspended from benefits whSe such (740) exempted under Section 51, unless employed within Acts, managers have no liability in respect of . . (737) exempted under Section 51, employed within Acts, lia- ■ bility of managers in respect of (738) exempted under Section 51, procedure for crediting Societies with sums payable by managers in respect of . . (739) exempted under Section 51, not credited with reserve contributions . . . . (636) exempted under Section 51, net debit or credit on becom- ing, taken into account on leaving .. .. .. (636) exempted under Section 51, arrears not counted against in certain cases . . (637), (740) Institutions — See also " Inmates of Institu- tions." " Subscriptions to Hos- pitals, Nursing As- sociations, etc." Certificates in support of claims for benefit by Out-patients of (320) Charitable or Reformatory, con- ditions on which they may be exempted under Section 51 (736) Instruction without Wages — Late entrants who have been under, since 17, to get full benefits without additional payments . . . . . . (267) Insurability — Tests of . . . . (66), (570) 305 Paragraphs Insurance — See also " Lapse from Insurance." Qualifications for . . (66), (570) How to ascertain date of entry into .. .. (141), (142), (193) How to ascertain date of entry into, from cards bearing high-value stamps . . (193) Erroneous .. (197) to (201) Insurance Books — Purpose of, and how to com- plete. . . ^ . . . . (174) Particulars of benefit paid to be entered in . . . . (337) Issue of new, in transfer cases - (102), (106) to be handed in with expired cards (176) to be promptly completed and returned to Members .. (175) Completed to show penalty arrears should accompany Rl and R2 cards when issued . . . . (209) (p) Insurance Commission — See " Commission." Insurance Committees — /See also "Index Slips."<- " ' " Medical and Sana- torium Benefits." . " Orange Slips." administer Medical and Sana- torium Benefits . . . . (19) keep Index Register of In- sured Persons . . . . (433) issue Medical Cards entitling insured persons to Medical Benefit (456) may suspend Medical Benefit as penalty for breach of Rules of Conduct . . . . (461) Special provisions under which Societies may make arrange- ments with, for treatment of uninsured disabled Mem- bers (463), (464) Complaints regarding Medical Benefit to be made to . . (459) Discretion to grant Sanatorium Benefit vested in . . . . (424) Applications for and inquiries regarding Sanatorium Bene- fit to be made to . . . . (462) to get Sickness, Disablement, and Maternity Benefits of Members without depen- dants receiving institutional Sanatorium Benefit (251), (380) Complaints against panel doctors to be lodged with (332), (459) in whose areas Members reside to be noted in Membership. Register (155) Paragraphs Insurance Gommittes — cont. Disputes between Approved Societies and, to be decided . ' .' by Commission . . . . (58) act "as Central Authority of group of Societies for Valua- tion purposes .. .. (728) Insured Persons — See also " Normal Occupation." Who may be . . . . . . (66) have free choice of Approved Society .,. . . . . (4) are divided into classes . . (6) Interest- on Investments and Reserve Values (671) International Societies — See also " Approved Societies." How Married Women's Credits •* Account in ledger should be kept by .. .._ (532), (533) to keep only one Administra- tion Account .. .. (719) To address amendments of Rules to the Joint Com- mittee, o/o the Commission for the country in which the Society's Head Office is situated . . . . . . (37) should address general corre- spondence to Commission for country in which Head Office is situated . . . . . . (754) should address correspondence regarding particular Mem- bers to Commission for coun- try in which Members reside (754) Branches of, wUl ordinarily obtain information from their own Head Office . . (754) Branches of, will (where ne- cessary) correspond with Commission for country in which Registered Office of Branch is situated . . . . (754) Investments — Funds not required by So- cieties for current expendi- ture available for . . (20), Amount which can be paid over to Society for . . Credit of interest on , . . Examples of entries in Society's books in respect of advices of sums transferred to In- vestment Account . . Ireland — Member not entitled to Medi- cal Benefit when in . . (426) Member's removal to, So- ciety to intimate to Insur- ance Committee . . (438), ( U3) Eresh Index Slip not necessary on Member's return from . . (444) 20 (669) (670) (671) (710) 306 Paragraphs Ireland — cont. The only seamen to whom the Irish rates apply are those with permanent residence in, who are not members of Sea- men's National Insurance Society . . . . (537), (539) Isle of Man — Member not entitled to Medi- cal Benefit when in . . . . (426) Effect of residence in, as regards Sickness Benefit . . (222) Effect of residence in, as regards Maternity Benefit (372) to (374) Joint Committee — Societies cannot admit Mem- bers in more than one part of United Kingdom unless approved by . . . . (23) may allow Society on certain conditions to relinquish ap- proval, except for part of United Kingdom in which its Registered Office is situ- ated (24) to be satisfied as to arrange- ments made by foreign or colonial branches of Societies for reciprocal passing of Transfer Values of Emigrants (735) Lapse from Insurance — cannot result from illness alone . . . . . . • . (67) Efieot of Section 79 of 1911 Act (68) Twelve months' grace allowed before absolute . . . . (68) Procedure when twelve months' grace expires . . . . (68) is only provisional until twelve months' grace expires . . (69) Effect of return to employment within twelve months' grace (69) Circumstances in which pro- visional lapse takes place within twelve months' grace (71) Discharged Navy and Army Members to be regarded as continuing in insurance if in receipt of Total Disable- ment Pensions and not working . . . . . . (552) Inquiry should be made where Member fails to surrender two consecutive contribu- tion cards . . . . . . (449) Position of women married before 15th July 1912 in regard to . . . . . . (484) Retrospective claims for bene- fits where lapse is not made absolute (70) Paragraphs Lapse from Insurance — cont. Employed contributor who lapses and re-enters as such receives his former rate of benefit (257) Provisional, followed by re- entry within the year al- lowed by Section 79, how to deal with arrears in cases of (591) Persons who re-enter insur- ance after definite, to be treated as new entrants for arrears purposes . . . . (580) Orange Slip to be sent to Insurance Committee on Member's (448) Index Slip to be sent by Society to Insurance Com- mittees on Member's re-entry after .. (448) of married woman who has been suspended, entries to be made in Suspended Married Women's Register regarding . . . . . . (522) does not involve termination of membership . . . . (89) Late Cards — How to enter in Contribution Register . . . . (209) (/) Late Entrants — Definition of (257) Rate of benefit applicable to (257) Societies to explain courses open to, on admission . . (258) Model letter to be sent to, on admission . . . . . . (258) may qualify for full benefit by paying additional weekly contribution or capital sum (257) How they may pay additional weekly contributions .. (170) may discontinue payment of additional contributions on giving written notice . . (259) How to remit capital sums paid by (262) who elect to pay capital sums must do so during first six months of insurance . . (260) Commission cannot accept pay- ments of capital sums in instalments from .. .. (261) Extension of period for pay- ing capital sums in special cases.. .. (263), (264), (265) Notifications by Commission to Society of payment of capital sums by, to be pro- duced to Auditor .. .. (260) who have been engaged in excepted employments . . (264) if formerly exempt persons, capital sum may be wholly or partly paid out of Exempt Persons' Fund . . . . (266) 307 Paragraphs Late Entrants — oont. to get full benefits without additional payment if eia- gaged since 17 in completing education or in apprentice- ship without wages . . (267) Procedure where they claim to be entitled to full benefit without additional payment (268) to (270) Claims by, to full benefit with- out additional payment to be decided by Commission (268) Notifications by Commission to Society of allowance of claims to full benefit with- out additional payment to be produced to Auditor . . (269) Men entering insurance be- tween 17 and 18 are en- titled to full benefit . . (257) Women married when Act commenced entitled to full benefit if they enter insur- ance in husband's lifetime or within a year after his death (257) previously insured, revive insur- ance at their former rate of benefit (257) Rate of Sickness Benefit of married women who agajn become employed contri- butors after suspension . . (504) Disablement Benefit of, not reduced . . . . . . (359) Legal Assistance — Expediency of obtaining, in Compensation Cases (236) (c) Ledgei;^ See also " Advices." Purpose of (695) Form of, not prescribed . . (696) Model form of . . . . (699) Circumstances in which sepa- rate ledger accounts for' men and women may be dispensed with . . . . (698) Index to accounts in, to be kept .. (701) Use of various columns in . . (700) Explanations as to examples of entries in . . . . (696), (697) Entries in, compiled from Cash-Book, Benefits Register, and Advices sent by Com- ■ mission . . • • • • (702) Entries relative to Suspended Married Women's Register (528) to (533) Entries in, regarding subscrip- tions to hospitals, nursing associations, etc., and pay- ments to nurses . . . . (751) Letters — to Commission, instructions re- garding . . . ■ • ■ (755) Paragraphs Letters — cont. between Societies and Mem- bers ; between Societies ; and between Societies and Insurance Committees, must be stamped . . . . . . (757) Levies — to meet deficiencies on Ad- ministration Account (716), (721) Linked-up Illness — Any number of illnesses are linked if less than twelve months between any con- secutive two of them (280) to (284) Twelve months for purpose of, counts from date of re- covery, not from date of stoppage of Sickness Benefit (285) Compensation or Damages Cases . . . . (287) to (290) No linking-up of illness for which benefit is wholly with- held owing to receipt of compensation . . . . (288) where part benefit paid owing to receipt of compensation or damages, period of illness is reduced for linking-up purposes . . . . (289), (290) and residence in hospitals, etc. (286) (i) and Mercantile Marine (286) (iii) and persons under Section 47 (286) (ii) and Suspension for Arrears (286) (iv) Liverpool "Dock Battalions" (548) Lost Cards — See also " Contribution Cards." Member can replace by paying contributions at fiill rate only .. .. .. (592) Low-Wage Cards — See " Contribution Cards." Low-Wage Contributions — See also " Contributions, Rates o£." paid by High- Value Stamps, how number of contribu- tions represented is ascer- tained (194) Low-Wage Declarations — When required . . . . (183) Low-Wage Earners — Aliens, State contribution pay- able in respect of . . . . (470) must pay State penny when paying off arrears at reduced rate (593), (594) Maladministration — Approval of Society may be withdrawn on account of . . (25) 308 Malversation of Funds — Rules of Central Guarantee Fund (677) Notice of loss due to, to be given to Commission within seven days of discovery . . (677) Commission may refuse to make good any loss due to, if Society fails to take steps against defaulter or to give proper notice . . . . (677) due to inadequate supervision, whole or part of loss incurred through, may be debited to Society (677) Immediate notice of claim in respect of, on Central Guarantee Fund or Guarantee Company to be sent to Com- mission . . . . . . (676) Man, Isle of — Member not entitled to Medical Benefit when in . . . . (426) Effect of residence in, as re- gards Sickness Benefit . . (222) Effect of residence in, as re- gards Maternity Benefit (372) to (374) Marine — See " Mercantile Marine." Marines — See " Navy and Army Members." Mark, Identification — Insertion of, on contribution cards to prevent loss .. (163) Marriage — See " Married Women." " Proof o£ Marriage." Marriage Certificates — Cheap, how obtained . . . . (400) Married Women — See also " Confinement." " Special Voluntary Contributors." " Suspended Married Women's Register." Distinction between those in- sured before and those not insured before marriage . . (477) Women who were married at 15th July 1912 get full benefit if employed during husband's lifetime or within twelve months after his death . . . . (257), (483) Married before 15th July 1912, position of, if unemployed . . (484) Married before 15th July 1912, cannot become special voluntary contributors dur- ing husband's lifetime . . (482) Married on or after 15th July 1912, position of, if not insured before marriage . . (485) L'aragraplis Married Women — cont. Duty of Members to notify Society of marriage . . (490) insured before marriage, inti- mations to be sent by Society to Insurance Committee after marriage (441), (446), (447) Insured before marriage, pro- visions as to suspension of . . (486), (487) Form on which to submit proof of continuing employment. . (491) Society to notify whether satisfied of continuing em- ployment (492) insured before marriage, not to be suspended in conse- quence of holidays, illness, pregnancy, or temporary unemployment . . (488), (494) Cessation of work owing to approaching marriage, how treated (489) When to be regarded as only temporarily unemployed . . (494) Continuing employment for short time after marriage, how to treat . . . . . . (493) in same position as before marriage until suspended . . (495) who have definitely established their position as employed contributors, how treated . . (493) Date of suspension, how deter- mined . . . . (489), (490) - Form I71/A.G.D. to be sent to Commission immediately suspended . . . . . . (496) Options to be fully explained to, on suspension . . .,. (496) Forms for use in notifying, of suspension and explaining options . . . . . . (496) to be given a clear month from notification of suspension - to exercise options . . . . (497) Forms on which they may notify Society of option they decide upon when suspended (496) who delay notifying marriage may be deprived of option to become Class H contri- butors (497) Suspended, after exercising option, cannot revoke choice (499) Suspension of, cannot be can- celled unless improperly made (505) who elect to become Class H cJDntributors, form to be sent to, exempting from being treated as employed contributors on return to employment . . . . (500) Class H contributors must pay contributions from date of suspension or be treated as in arrears . . . . . . (501) 309 Paragraphs Married Women — cont. Class H contributors who on returning to employment elect to be treated as em- ployed contributors, cannot again become Class H con- tributors .. (417), (500), (502) Class H contributors who elect to continue such may use H card during employment (503) Position of suspended, who do not become Class H con- tributors (498) who again become employed contributors after suspen- sion must undergo fresh waiting periods and pay qualifying contributions afresh (504) who again become employed contributors after suspen- sion, rate of Sickness Benefit applicable to . . . . (504) who become employed con- tributors after suspension are not again suspended on ceasing employment, but are subject to Section 79 . . (502) Late suspensions . . (506), (507) who become Class H con- tributors, how to deal with arrears where suspension has been delayed . . . . (507) Suspended , retain membership (89) Suspended, are still " insured persons " . . . . (481) (6) entitled to reckon period of suspension owing to marriage towards five years' insurance as qualification for becoming voluntary contributors (481) (6) Suspended, position of and options open to on death of husband . . . . (508) to (510) Suspended, on death of hus- band. Society must without delay inform of options . . (510) Suspended, arrears of, during marriage and up to one month after husband 's death are to be disregarded on husband's decease . . . . (479), (508) (a), (642) Not suspended, position of, on death of husband .. .. (511) Not' previously insured who become employed after hus- band's death, position of . . (512) British, whose husbands are alien, to be treated as British subjects . . (467) (6), (468) (d) Aliens by birth, whose hus- bands are British, are British subjects . . . . (4(j8) (d) cannot be ordinary voluntary contributors during hus- band's lifetime . . (481) (a) Paragraphs Married Women — cont. Position of divorced, deserted and separated . . . . (480) Provisions as to arrears of (638) to (644) Arrears of, accrued diiring marriage disregarded on husband's death . . • (478), (642) Maternity Benefit — See also " Inmates of Institu- tions." " Lapse from Insur- ance." " Proof oi Marriage." " Suspension for Offences." administered by Approved Societies Qualifications for Disqualifications for . Not afiected by compensation for injury, etc. Cannot be suspended for man's offence unless wife was also guilty 26 (voluntary contributors, 52) weeks to have elapsed from entry into insurance 26 (voluntary contributors, 52) contributions to have been paid before confinement where husband is a deposit contributor . . Position where husband or wife or both resident abroad . . (372) to (374) of Navy and Army Members . . (374) payable in respect of post- humous children Unmarried women entitled to ordinary but not to addi- tional Women to be attended by doctor or qualified midwife Society may provide doctor or midwife out of . . Mother to be allowed free choice of doctor of midwife where Society provides at- tendance out of cannot be withheld because mother was not attended by doctor or qualified mid- wife . . belongs to the mother in every case . . if administered in kind must be in interests of mother and child . . . . (403), (404), Husband who receives, must pay it to wife . . . . (405) Receipts for .. .. (401), (402) may only be paid to husband if wife authorises him to receive it . . . . . . (402) Special provisions where hus- band and wife both insured (367), (386) to (391) (19) (363) (364) (230) (364) .. (366) (371) (390) (396) . . (397) -=- (382) (383) (384) (385) (401) 310 Paragraphs Maternity Benefit — cont. General principle as regards double (392) Tables for use by husband's and wife's Societies . . (391) where husband is insured and wife is an employed con- tributor .. (388) to (391) , Procedure where husband's or ^ wife'srightto.is extinguished owing to arrears . . . . (376), (386) to (391) Form to be used by wife's Society in communicating with husband's Society . . (369) Procedure where wife is Mem- ber of Society and husband deposit contributor . . (370) where husband is insured and wife is not an employed contributor (386) ^-' Where husband is not insured and wife is an employed contributor . . . . . . (387) Woman who receives addi- tional, must abstain from remunerative work for four weeks after confinement . . (393), (394) Payment of additional, does not count as part of 26 weeks' Sickness Benefit . . (395) , Woman is not disentitled to Sickness Benefit after ex- piry of four weeks from confinement by receipt of additional /' (395) Medical Benefit — See also " Medical and Sana- torium Benefits." How to obtain a panel doctor (457) How to obtain, on removing to new address . . . . (467) How to change panel doctor . . (458) not allowed to Members when in Channel Islands, Isle of Man, or Ireland, or abroad (426) Voluntary contributors with over £160 a year not en- titled to .. .. (431), (577) Penalties for obtaining, when not entitled thereto . . (460) Rules of Conduct for Members in receipt of . . . . (461) Fines for breach of Rules re- garding . . . . . . (461) may be suspended by Insur- ance Committee as penalty for breach of Rules of Con- duct (461) Complaints regarding, to be made to local Insurance Committee . . . . . . (459) Frivolous or vexatious com- plaints regarding, to be deemed breach of Rules .. (461) .. (350) (350) Paragraphs Medical Benefit — cont. of aliens, agreements between Societies and Insurance Com- mittees as to cost of admini- stration of (476) Medical Card — Purpose of . . . . . . (465) How obtainable . . . . (456) How to use . . . . . . (457) What to do if lost . . . . (460) Contains Rules of Conduct to be observed by persons ob- taining Medical Benefit . . (461) Medical Certificates — See " Certification." Medical Referees — See also " Certification." Society should not hesitate to employ, in doubtful cases (360) Society should inform doctor in attendance when they refer a Member to . . . . (350) Member should not be re- quired to visit, if it would be dangerous to his health to do so Cost of examination by, to be defrayed out of Admini- stration Account Deficiency on Administration Account due to expenditure on, may be met by an addi- tional appropriation (351), (714) Medical and Sanatorium Benefits- Sec also " Index Slips." " Medical Card." " Orange Slips." " Panel Doctors." Definition of (424) Administered by local Insur- ance Committees . . (19), (423) No qualifying contributions for (432) No waiting period for . . (432) Qualifications and disqualifica- tions for . . (424) to (432) Not affected by compensation for injury, etc. Cannot be suspended for of- fences Ordinarily continue after 70 Discharged Navy and Army Members to be regarded as entitled to, if in receipt of Total Disablement Pensions and not working Special Voluntary Contributors (Married Women) entitled to Medical but not to Sana- torium Benefit of persons who frequently move from place to place, special arrangements for Position in regard to, of per- sons over 66 on entering insurance . . (427) to (429) . . (230) (272) (427) (552) (430) (461) 311 Paragraphs Medical and Sanatorium Benefits — cont. Societies to supply Insurance Committees with Index Slips and Orange Slips in connec- tion with . . . . . . (19) Society to notify Commission (not Insurance Committee) when member 65 years _ old or upwards on entry reaches 70 without having paid 27 contributions . . . . (429) of aliens, whole cost of payable by Society, except Parlia- mentary Grant of 2s. 6d. . . (475) Medical and Surgical Appliances — prescribed in Regulations sup- plied as part of Medical Benefit (424) Medical Treatment of Uninsured Disabled Members — Special provisions as to (463), (464) Medicines — " proper and sufficient "to be provided as part of Medical Benefit (424) Meetings of Approved Societies— See also " Minutes." Members should be encouraged to attend (49) Particulars to be given in notices summoning . . (50) Rule as to ballot of Members (51) State and non-State — when separate and when not . . (53) Minutes of, to be kept . . (54) Members of Approved Societies — See also " Aliens." " Honorary Members o£ Approved So- cieties." " Inmates ol Institu- tions." " Late Entrants." " Married Women." " Mercantile Marine." " Minors." " Navy and Army Members." " Section 47." Time allowed to insured per- sons to become .. ■• (108) to be entered in Membership Register as soon as admitted (8) Classes of, described . . . . (92) Classes of, which have ceased to exist (93) .Change of, from one class to another .. .. ■• (158) Rates of contributions for various classes (185) to (189) (578) (23) (81) (124) (38) (49) (147), (152) .. (148) (561) (735) (■71), non- £160 Paragraphs Members of Approved Societies — cont. who change from voluntary to employed rate, position of as regards benefits . . how treated if resident in country for which Society is not approved . . - Expulsion of must be justified by Rules Transfer to Deposit Contri- butors Fund after with- drawal or expulsion Complete Rules of Society to be available to should be encouraged to attend meetings 65 years old or upwards on entering insurance . . (93), (160), (427) to (429) unmarried and under 21, rates of Sickness Benefit of under Section 47 imder Section 53 Emigrating Securing permanent manual work at over a year entering excepted employ- ments entering occupations not in- volving compulsory insur- ance . . Resident abroad, not entitled to Medical Benefit Resident abroad, position of, in regard to Sickness Benefit (222) Resident abroad, position of, in regard to Maternity Bene- fit (372) to (374) Insurance Committee area in which they reside to be en- tered in Membership Register (155) Uninsured and disabled, special provisions as to medical treatment of . . (463), (464) Membership — Contract of . . . . . . (59) Forms of application for . . (60) Applications for, to be promptly dealt with (61) Inquiries to be made of applicants for . . . . (64) Admission to, procedure applio able to various classes of applicants . . . . . . (64) Applicants for, may be rejected or accepted in accordance with Rules . . . . . . (65) Applicants for, cannot be re- jected on ground of age alone (65) Qualifications for, may be imposed by Rules . . . . (65) Applicants for, to be notified of acceptance or rejection by letter (61) (71) (71) (71) (426) 312 Paragraphs Membership— cow<. Contribution cards to be given only to persons admitted to (63) Delay in surrendering Con- tribution cards does not abrogate (62) continues unless definitely terminated by expulsion, written withdrawal, or Mem- ber obtaining certificate of exemption . . . . (88), (89) cannot be terminated because qualification required on admission has been lost . . (81) suspended, but not terminated by lapse from insurance . . (89) Suspended married woman retains . . . . (89), (498) Termination of, by death . . (90) Expulsion from, must be justi- fied by Rules .. .. (81) Before expulsion from. Mem- ber must have opportunity to defend himself (82) Persons expelled from, may appeal . . . . . . (82) On expulsion from. Member's Transfer Value passes to new Society or Deposit Contribu- tors Fund (83) may be terminated by voluntary withdrawal . . (84) On voluntary withdrawal from. Member's Transfer Value passes to new Society unless old Society shows its consent was reasonably withheld . . (87) Withdrawals and expulsions from, to be intimated to Commission in specified manner . . . . (85), (86) Transfer to Deposit Contribu- tors Fund after withdrawal or expulsion from . . . . (124) of Society, how ascertained for purpose of calculating ad- ministration appropriation (713) Tests of insurability . . . . (66) Membership Register — See also " Suspended Married Women's Register." Purpose of .. .. (136), (137) Particulars to be entered in . . (7), (139) to (161) explained by columns (139) to (161) Members to be entered in, as soon as admitted .. (8), (138) Changes of position of Mem- bers to be entered in, im- mediately .. .. (8), (158) Entries in case of transferees from Deposit Contributors Fund .. (117), (118), (121) Note to be made in, when member granted Traveller's ( Yellow) Voucher for Medical and Sanatorium Benefits '. . (451) Paragraphs Mercantile Marine- Seamen only insured if domicile or place of residence is in United Kingdom . . . . (534) Definitions of " home-trade " and " foreign-going " ships (535) Special cards for " foreign- going," covering period of voyage .. (166), (167), (538) Contributions and benefits differ for " home-trade " and " foreign-going " . . (535) Ordinary contributions pay- able for " home-trade " Members (537) Scheme of contributions for " foreign-going," explained (539), (540) Four contributions at foreign- going rate count as five (539), (631) British rate of contributions applies to seamen with residence in Great Britain even though employed by Irish shipowners . . . . (537) Irish rate of contributions applies ordy to seamen with permanent residence in- Ire- land who are not in Seamen's National Insurance' Society (537), (539) Position of men who change from " foreign-going " rate to ordinary rate of contribu- tions, and vice versa . . . . (540) not entitled to Sickness or Disablement Benefit, but " deemed " to be in receipt of it, while maintained by owner during incapacity . . (222), (541) to (545) When and for how long Sick- ness Benefit becomes pay- able to (542), (543), (544) Sickness Benefit of " home- trade," payable to depend- ants when owner liable for maintenance but not for wages .. .. .. (541) Particulars of incapacities during which maintained by owners obtainable from Sea- men's Registry . . . . (545) oases and Linked-up Illness . . (286) (ui) Provisions as to arrears of . . (630) to (632) Provisions regarding Arrears Benevolent Fund in case of (660) Arrangements between Sea- men's National Insurance Society and other Approved Societies as to pensions for Members of latter . . . . (536) Pensions provided by Sea- men's National Insurance Society (536) 313 Paragraphs Midwives — See also " Maternity Benefit." placed at disposal of Members by Society, remuneration of to be paid out of Maternity Benefit and not met under Section 21 (753) Military Forces— See " Navy and Army Members." Minors — Unmarried, rates of Sickness Benefit of . .(147), (152), (576) (a) Unmarried, who are aliens, benefits of (474) Unmarried, meaning of " de- pendants "of . . . . (275) Effect of naturalisation of alien parents on status of (467) (c) Effect of alienage of British parents on status of (467) (d) Minutes of Meetings of Approved Societies — must be kept (54) Particulars to be recorded in (54) Minute-book should be paged and indexed .. .. (55) to be read at following meet- ing and signed by Chairman (56) Misappropriation of Funds- See " Malversation of Funds." Model Rules — See " Rules." National Health Insurance Com- mission — See " Commission." National Health Insurance Joint Committee — See "Joint Committee." National Health Insurance Fund — controlled by Commission (12), (661) Money received for stamps is paid into .. .. (12), (661) Societies supplied with funds out of (12), (13), (661) to (668) How Societies establish their credits in .. .. (12), (661) National Insurance (Part I. Amend- ment) Act, 1915 (237) to (246), (551) Nationality — See " Aliens." Naturalisation of Aliens Naturalisation Acts ■ (467) . (465), (467) Navy and Army Fund — See " Transfers from Navy and Army Fund." Paragraphs Navy and Army Members=— See also " Arrears!" " Pensions." " Transfers from Navy and Army Fund." Army Members have " B " cards, Navy members have no cards .. (166), (167), (546) Contributions of . . . . (546) How Navy Members' con- tributions are credited to Societies . . . . . . (546) Maternity Benefits of (374), (546) are entitled to Maternity Bene- fit only .. . . . . (546) War Office or India Office pay Maternity Benefit as agents of Societies to soldiers' wives confined in Colonies or India (547) Position of military forces in regard to compensation for injury (229) Provisions as to arrears of . . (548), (633) to (635) Maternity Benefit of, during service not affected by arrears . . . . . . (635) Orange Slip to be sent to Insurance Committee on enlistment . . . . . . (442) Increased administration al- lowance in respect of . . (715) Soldiers in " Dock Battalions " to be treated as ordinary employed contributors •. . (548) ^ Soldiers sent by Army authori- ties to work in munition factories to be treated ordinary employed tributors Index slips to be sent to Insur- ance Committees re-instating soldiers sent back to work in munition factories Position of, on leaving service may join Societies though temporarily unemployed after discharge Discharged, time within which may join Society discharged, in receipt of Pen- sions for Total Disablement due to present war (237) to (246), (551), (552) discharged, in receipt of Total Disablement Pensions, to be regarded as continuing in insurance if not working, notwithstanding absence of specific evidence of incapa- city (552) discharged, in receipt of. Total Disablement Pensions to be regarded as entitled to Medical and Sanatorium Benefits and not incurring arrears . . . . . . (552) as con- (548) (548) (549) .. (132) .. (550) 314 Paragraphs Navy and Army Members — oont. Arrears debited>to, on discharge may be paid out of Bene- volent Fund without appli- cation from Member .. (633) Index Slip to be sent to Insur- and Committee on discharge of (445) Discharge and pension identity certificates not to be taken out of possession of (240), (549) Net Credit- How to calculate . . . . (617) .. (617) (587) Net Debit- How to calculate Net Penalty Arrears— What constitutes Normal Occupation — Only persons whose normal occupation is employment within the Acts are deemed to be employed contri- butors during unemployment (72), (73) Position of persons only inter- mittently employed within Acts (73) where not employment within Acts, person not to get cheap insurance by paying arrears at reduced rate . . . . (73) Working rule for testing . . (74) Seasonal employments . . (75) of outworkers under "unit" system (76) where not employment within Acts, position of Member as regards benefits . . . . (78) Persons whose normal occupa- tion is not employment within Acts may claim ex- emption or become volun- tary contributors if eligible (79) Notice — of change from voluntary to employed rate .. .. (195) of adoption of Section 47 (554), (560) of withdrawal from Section 47 (564) of arrears to be sent to em- ployed contributors . . (590) of arrears to be sent to volun- tary contributors . . . . (610) Nurses — not regarded as "inmates" of Institutions in which em- ployed . . (247) (footnote) Societies may appoint, to visit and nurse Members . . (747) Payment of, to be treated as expenditure on Sickness Benefit . . . . '. . (748) Paragraphs Nurses— cowi. Expenditure on, cannot be charged to benefit funds unless the nurses are ap- pointed for actual sick- nursing and not as sick visitors or mid wives (752), (753) No margin of funds specially provided to meet expendi- ture on (749) Actuarial advice desirable be- fore appointing . . . . (750) Entries in cash-book and ledger regarding payments to (751) State Grant payable in respect of expenditure on . . . . (748) Nursing Associations — See " Subscriptions to Hospi- tals, Nursing Associa- tiojjs, etc." Occupation — See also " Normal Occupation." in connection with eligibility for voluntary insurance (570) (c), (571) Occupatio;is — to which Section 47 is applic- able (555) Odd Days- Calculation of benefit payable for (356) Officers — All nominations and elections of, to be recorded in Minutes 54) Any persons over twenty-one may be appointed (even if not Members), subject to Rules ■ (48) are subject to Bules of So- ciety regarding appointment, election, retirement, etc. .. (41) for State and non-State busi- ness where Society carries on both (47) How removable .. .. (41) Remuneration of, to be author- ised by rule . . . . . . (46) Duties of (41) Duties of Committee of Manage- ment . . . . . . (45) Duties of Secretary . . . . (42) Duties of Treasurer . . . , (43) Duties of Trustees . . . . (44) Distribution of work of, in case of Societies with Branches . . . . . . (42) Officers' Guarantee Fund — See " Malversation of Funds." Options — See " Late Entrants." " Married Women." 315 Paragraphs Orange Slips- Societies to supply, to Insur- ance Committees . . . . (19) When to be sent by Societies to Insurance Committees . . (200), (209) (r), (212) {n), (429), (441), (442), .(448) to be sent to Insurance Com- mittee where persons found to be erroneously insured . . (200) to be sent to Insurance Com- mittee where penalty arrears exceed 26 . . . . (209) (r) to be sent to Insurance Com- mittee where voluntary con- tributors suspended for ar- rears (212) {n) Date of issue to be noted in Contribution Register . . (450) Orders — under Section 47 incorporated in Societies' Rules . . . . (568) under Section 47, classes of employment specified in . . (555) Out-Patients of Institutions — Arrangements for certificates in support of claims for benefit by (320) Outworkers — Unit system of paying con- tributions for . . . . (-743) on unit system, cards applic- able to .. (166), (167), (743) Low-wage declarations iieces- sary if value of unit is not shown on card or is more than 12s (183) on unit system, no more than 62 contributions a year need be paid by . . . . (744) on unit system. Society to grant certificate to, when 52 con- tributions in year paid . . ( 744J •under unit system, when ar- rears of, to be as regarded as due to unemployment and as payable at reduced rate (745) should get benefit of Arrears Benevolent Fund only in respect of arrears substanti- ally due to inability to obtain work . . . . (746) under unit system, normal oc- cupation of . . . . (76), (745) Panel Doctors — See also " Certification." " Medical Benefit." " Medical Card." • " Medical and Sana- torium Benefits." Lists of, displayed at post- offices (457) How to obtain . . . . (457) Paragraphs Panel Doctors — cont. How and when Members may change (458) Complaints against, to be made to local Insurance Com- mittee . . . . (332), (459) Parcels — to Commission, instructions regarding (756) passing between Societies and Members ; between Societies; and between Societies and Insurance Committees, must be stamped . . . . . . (757) Payments of Benefit — should be made only to pro- perly authorised representa- tives of the Member . . (354) Receipts for, should be ob- tained at time of payment (354) Payments, Illegal — will not be passed on Audit . . (725) Payments to Societies — How Commission make . . (674) Penalties — See also " Fines." " Suspension for Offences." for obtaining Medical Benefit when not entitled thereto . . (460) Penalty Year — for which benefits are reduced owing to arrears . . (583), (596) Pension Identity Certificates — not to be taken out of Mem- bers' possession . . . . (240) Pensions — for partial disablement do not afiect benefit of discharged soldiers and sailors (237) (footnote) do not affect benefit of dis- charged soldiers and sailors unless granted for total dis- ablement due to present war (237) (footnote) Commission will notify So- cieties of substitution of total for partial disable- ment pensions, and mce weraa (246) Pensions, Total Disablement — Specially increased so as to re- lieve Societies' funds to extent of 5s. a week . . . . (237) Receipt of, involves reduction of Sickness Benefit to 5s. a week and withdrawal of Disablement Benefit . . (238) Society to pay benefit pending settlement of claims for . . (239) Benefit overpaid may be re- covered from arrears of . . (239) 316 Paragraphs Pensions, Total Disablement — cont. How to recover benefit over- paid to Members who obtain (245) are notified to Society by Com- mission . . . • '• • (240) Pension Identity Certificates of men in receipt of, are marlred " Total Disable- ment " (240) Procedure to be followed by Societies when Members ob- tain .. .. (241) to (246) are subject to review . . . . (246) Period of Grace — allowed for paying arrears ..(583), (586), (589), (630), (632) Persons Erroneously Insured — as employed contributors, how treated . . (197) to (201) as voluntary contributors, how treated . . (197) to (200) Persons Insured — See " Insured Persons." " Members of Approved Societies." Persons 65 or upwards at Entry (93), (160), (427) to (429) Petty Cash-Book . . (691) to (694) Pink Slips (446) Post-Offlees — supply emergency cards .. (171) supply forms of application for medical cards . . . . (456) display list of panel doctors . . (457) Postage — of letters and parcels, instruc- tions regarding (755) to (757) Postal Orders — Use of, in paying benefit . . (355) Posthumous Children — Maternity Benefit payable in respect of . . (396), (584) (e) Pregnancy — Sickness Benefit is normally payable in respect of inca- pacity due to . . . . (339) Position of married woman ceasing work owing to . . (494) Private Doctors— See " Certification." Proof of Marriage- necessary where Maternity Benefit claimed from hus- band's Society . . . . (398) necessary where two Maternity benefits claimed from wife's Society (399) other than a marriage certifi- cate may be accepted in exceptional cases . . . . (400) Cheap, marriage certificates, how obtained . . . . (400) Paragraphs Provisional Lapse from Insurance- See " Lapse jrom Insurance." Qualifications for Benefits — See "Disablement Benefit." " Maternity Benefit." " Medical and Sanatorium Benefits." " Sickness Benefit." Qualifications for Insurance (66), (570) Qualifying Contributions — See " Contributions." " Disablement Benefit." " Maternity Benefit." " Medical and Sanatorium Benefits." " Sickness Benefit." Rate of Remuneration — Ascertainment of, in case of Members desiring to pay ofE arrears at reduced rate . . (593) Rates of Contributions — See " Contributions, Rates of." Rates of Sickness Benefit— See " Sickness Benefit." Receipts — for benefit should always be obtained at time of payment (354) for Maternity Benefit to be given by or under authority of wife . . . . (401), (402) Record Card, Sickness and Dis- ablement — to bo kept as Index to Benefits Register (421) Re-Entry into Insurance — Employed contributor who lapses and re-enters as such is entitled to his former rate of benefit .. .. (257) Reduction of Benefits— iSfee " Arrears." Referees, Medical- See " Certification." " Medical Referees." Reformatories — See " Institutions." Refund of Contributions — See " Contribution Cards." Refund of Contributions Paid in Error — limited to unsurrendered cards (197) Allowed in all oases of dupli- cate stamping . . . . (202) How to claim (197) 317 Paragraphs Registers — • See " Benefits Eegistei." " Contribution Register." " Index Register." " Membership Register." " Suspended Married Women's Register." Registrar q| Birtlis, Deaths, and Marriages . . (139), (400) Registrar of the County Court — Objections as to Compensation Agreements lodged with (236) (d) Regulations — as to arrears . . (580) to (644) governing formation of associ- tions of small Societies for purposes of Valuation . . (731) as to maladministration . . (25) as to subscriptions to Hospi- tals, Nursing Associations, etc (748) as to Transfer of Engagements, Amalgamations, and Dis- solutions of Approved So- cieties . . . . . . (39) as to value of contributions of Members who become certi- ficated teachers to be paid to Teachers' Superannuation Fund (742) One copy only issued to each Society T (760) Can be purchased from H.M. Stationery Office . . . . (760) Rejection of Members — See " Membership." Removal Slips — When required to be sent to Insurance Committees . . (438) Remuneration — Payable under Section 47, see " Section 47." Remuneration of Officers — to be authorised by rule . . (46) Remuneration, Rate of — Ascertainment of, in case of Members desiring to pay ofi arrears at reduced rate . . (593) Reports, Auditors'— See " Auditors' Reports." Reserve Balance — what constitutes . . . . (587) Entry of, in Employed Con- tributors' Contribution Re- giBter . . . . (209) (?) Reserve Contributions — to be credited to all Members who are employed contri- butors except those under Sections 47 or 53 . . (585), (628) Circumstances in which, may be credited to Members under Section 47 . . . . (628) Para^jraphs Reserve Contributions — cont. How calculated in oases of transfer from Deposit Con- tributors Fund .. .. (113) Credit of, in cas,es of transfer from voluntary to em- ployed insurance . . . . (625) Credit of, in case of discharged Navy and Army Members . . (634) Entry of, in Employed Con- tributors' Contribution Re- gister.. .. .. (209) (t) not credited in respect of periods spent in Institutions exempted under Section 51 (636) are not credited to voluntary contributors.. .. .. (607) Reserve, Special — Position of, in regard to com- pensation for injuries in camp or at training . , (229) Reserve Values — Meaning of . . . . . . (15) Societies must claim .. .. (15) credit of interest on . . . . (671) not credited in respect of aliens.. .. .. .. (471) Reserve Values Sinking Fund — Deductions from contributions in respect of . . -. . (662) Residence Abroad — in connection with Maternity Benefit .. (372) to (374), (547) Members not entitled to Medi- cal Benefit during . . . . (426) in connection with Sickness Benefit (222) Residence in Institutions — See " Inmates of Institutions." Return, Half- Yearly, of Contribu- tions — See " Half- Yearly Return of Contributions." Return, Half- Yearly Cash Sum- mary — See " Half-yearly Cash Sum- mary Return." Resolutions and Amendments — proposed and seconded at Meetings to be recorded in Minutes . . . . (54), (55) relating to finance must bo recorded in Minutes . . (55) Rules — must be approved by Com- mission . . . . (3), (4), (27) Model, issued by Commission (28) must make proper provision for constitution and govern- ment of Society and Bran- ches (if any) and for admin- istration of benefits .. (27) Application of non-State, to conduct of State business . . (32) 318 Paragraphs Rules — cont. to contain provisions for re- muneration of ofSoers . . (46) consent of Commission re- quired to amendments of . . (34) Procedure for amendment of (34), (35), (36) Commission will not consider amendments of, till passed by Society (35) Forms to be used by Societies desiring consent to amend- ments of . . . . . . (34) Registered Societies should submit proposed amend- ments of, to Assistant Regis- trar of Friendly Societies as well as Commission . . (36) Amendments of, in the case of international Societies to be addressed to the Joint Com- mittee, c/o the Commission for the Country in which the Society's Head Office is situ- ated (37) of Branches and Districts are not approved by Commission (33) of Societies binding on their Branches and Districts . . (33) of Branches and Districts must be in accordance with Rules of Society approved by Com- mission . . . . . . (33) in conflict with Acts or Regula- tions are void .. .. (31) should be consulted first in any difficulty as to benefit . . (340) • Section 47 and Orders there- under incorporated in Societies' (568) Society's Certificate of Ap- proval to be printed at end of Rules (29) Certificates of approval of Rules and amendments to be carefully preserved by Societies . . . . . . (26) Certificates of appro valof Rules and amendments to be printed with Rules . . . . (38) Authenticated, Commission to be informed if lost . . . . (26) Societies should ensure that every Member may obtain a full copy of . . . . (30), (38) Rules of Conduct- Societies to see that Members observe Rules as to behaviour during sickness .. .. (16) for Members in receipt of Medical Benefit .. .. (461) regarding MedicalBenefit,fines for breach of .. .. (461) Sailors — See " Mercantile Marine." " Navy and Army Members." Paragraphs Sanatorium — See also " Inmates of Institu- tions." Insurance Committee to re- ceive Sickness, Disablement, and Maternity Benefits of persons without dependajits receiving Sanatorium Benefit in approved . . (251), (380) Sanatorium Benefit — See also " Medical and Sana- torium Benefits." administered by Insurance Committees .. .. (19) Applications for and inquiries regarding, to be addressed to local Insurance Committee (462) only granted if case recom- mended by Insurance Com- mittee (424) Societies to supply Insurance Committees with Index Slips and Orange Slips in connec- tion with (19) School — Late entrants whose time since 17 has been spent in, to get full benefits without extra payment . . . . (267) School Teachers — See " Teachers, Certificated." Sea Fishing Service — See " Mercantile Marine." Seamen — See " Mercantile Marine." Seamen, Naval — See " Navy and Army Mem- bers." Seamen's National Insurance Society — provides pensions for seamen (536) Other Societies may arrange with, for pensions for Mer- cantile Marine Members . . (536) Seamen's Registry- will supply particulars of Mer- cantile Marine seamen's ill- nesses from logs of ships . . (545) Seasonal Employments — See " Normal Occupation.'' Secretary of Society — Duties of (42) Section 47 — and Orders thereunder in- corporated in Rules of So- cieties . . . . . . (568) Occupations to which appli- cable (555) 319 Paragraphs Section 47 — cont. How adopted by employers . . (554) Period for wMoli employer is liable to pay full remunera- tion under (560), (561) (footnote) When employer's liability under, commences . . . . . . (560) Duties to Approved Societies of employers who have adopted . . . . . . (556) Contributions of Members under . . ... . . (557) Procedure to be followed by Societies in dealing with contributions paid under (558), (564) Low-wage declaration neces- sary in respect of low-wage contributions under .. (183) How to deal with claims for Sickness Benefit by Members under (564) When Sickness Benefit of Members under, commences and terminates (559) to (561) Sickness Benefit of Members under, " deemed " to com- mence six weeks before it actually does . . . . (559) Sickness Benefit payable, with- out waiting days, to Mem- bers under, on termination of employer's liability . . (561) Linked-up illness in case of persons under . . (286) (ii) Provisions as to arrears of Members under . . . . (594), (627) to (629) Position of Members under, who change their employ- ment (562) Position of Members under, who become temporarily un- employed . . . . . ■ (563) Members who cease to be employed but are entitled to become voluntary con- tributors at employed rate, position of .. .. (565), (579) Members who permanently cease to be employed through incapacity, position of . . (566) Position of Members under, in regard to schemes for additional or alternative benefits .. .. .. (567) does not interfere with non- State benefits . . . . (567) Section 53 — Position of Members to whom, appUoable .. .. (148), (561) Securities, Deeds, and Documents of Title- Trustees of Society responsible for safe custody of . . . . (44) Paragraphs Security — required before Society can get advances from fund . . (672) Unnecessary where advances not required . . . . (673) Strict observance of rules as to monetary transactions neces- sary . . . . . . . . (675) Separation — from husband, efiect of, on married woman's insurance (480) Servants, Domestic and Farm — Classes of employment speci- fied in special Orders under Section 47 (555) Ships, "Foreign-Going" and "Home-Trade"— Definitions of . . . . , . (535) Shop Assistants — A class of employment speci- fied in a special Order under Section 47 (555) Sick Visitors— Purpose of . . . . (342), (343 Women must be visited only by women . . . . . . (346) Part-time and whole-time .. (347) Remuneration of, to be charged to Administration Account and not met under Section 21 (752) Should not be remunerated according to number of visits paid (347) Should visit Member before first payment of benefit . . (344) Should visit frequently in doubtful cases . . . . (345) Should visit at irregular times (347) Should be required to report on forms . . . . . . (348) should not act as medical advisers . . . . . . (349) should not give instructions contrary to doctor's . . (349) should not remove bandages (349) should not press Members to declare off without consult- ing doctor . . . . . . (349) Sickness — Qualifying contributions paid for weeks of, must be at full rate (220) Sickness and Disablement Record Card— to be kept as index to Benefits Register (421) Sickness Benefit — See also " Certification." " Confinement." 320 Paragraphs Sickness Benefit — cont. See also " Contributions." " Inmates of Institu- tions." " Lapse from In- surance." " Late Entrants." " Liuked-up Illness." " Mercantile Marine." " Suspension for Offences." Administered by Approved Societies . . . . . . (19) Normal conditions as to, vary according to class of Member (218) Rate of, how ascertained . . (274) Exceptions to normal rate of (159) Reductions uf, which have been abolished (160) Persons over 50, 60, and 65 get same rate of, as others (275), (276) Rates applicable to unmarried Members under 21 . . . . (147), (152), (275) Rates applicable to voluntary contributors .. .. (153) Reduction in cases of trans- ferees from Deposit Con- tributors Fund deemed to be in arrears .. (117) to (121) Rate applicable to married women who again become employed after suspension (504) Employed contributors who lapse from insurance and re-enter as such are entitled to their former rate of benefit (257) Rate applicable to Member who changes from volun- tary to employed rate . . (578) Commences on fourth day of incapacity . . . . . . (277) How to calculate waiting days for . . . . (277) to (279) Qualifications for - . . . . (216) Disqualifications for . . . . (217) 26 weeks to have elapsed since entry into insurance . . (219) 26 contributions to have been paid (220) not payable for period prior to completion of qualifying contributions . . . . (359) Residence abroad in connec- tion with (222) When payable to dependants of Mercantile Marine Mem- bers on home -trade ships .. (222) Eiiect of Compensation or Damages on . . (224) to (236) Effect of pensions of dis- charged soldiers and sailors on . . . . (237) to (246) How to deal with claims for (.337) to (350) Paragraphs Sickness Benefit — cont. Particulars of, to be entered in Member's Insurance Books (337) If refused, reason should be explained to Member . . (338) is normally payable in respect . of incapacity due to preg- nancy . . . . . . (339) Reference to be made to So- eieties' Rules when difficulty regarding arises . . . . (340) Refusal of, to be reconsidered where additional evidence in support of claim pro- duced (341) Right to, not determined by medical certificates alone . . (342) Claims for, should be super- vised by sick visitors . . (343) Procedure in paying (352) to (357) should be paid to Members by sick visitors or local agents where possible . . . . (353) should be handed only to properly authorised repre- sentatives of Members . . (354) Receipt for, to be obtained at time of payment . . . . (354) Use of receivable order^oheques - ~ " and postal orders in paying (355) Calculation of amount of, pay- ~ ^m able for fractions of weeks . . (356) When payable forSun^js . . J356) due at Members' deaiBE^" di*--'"^ — -^i posal of (357) How to deal with claims for, by Members under Section 47 .. (564) Sinking Fund (Reserve Values)— Dg^jiS^ns from contributions - in respect of . . . . (662) Slips— See " Index Slips." Societies — See " Approved Societies." Soldiers — See " Navy and Army Members." Special Orders — under Section 47 incorporated in Societies' Rules . . . . (568) under Section 47, classes of employment specified in . . (555) Special Reserve — Position of, in regard to com- pensation for injuries in camp or at training . . (229) Special Voluntary Contributors (Married Women)— See also " Suspended Married Women's Register." Woman married before 15th July 1912 cannot become, during husband's lifetime . . (482) 321 Paragraphs Special Voluntary Contributors (Married Women)— cow*. " H " card applicable to (165), (500) entitled -to Medical but not to Sanatorium Benefit . . (430) not usually entitled to Sickness Benefit for two weeks before and four weeks after confine- ment (255) must pay contributions from date of suspension or be treated as in arrears . . (501) How to deal with arrears where suspension has been delayed (507), (640) Form to be sent to, exempting from being treated as em- ployed contributors on re- suming employment . . (500) who resume employment con- tinue to use Class H cards unless they elect to be treated as employed contributors . . (503) How to treat excess contribu- tions paid in respect of dur- ing employment . . (520), (531) Provisions as to arrears of (638) to (643) who on resuming employment elected to be treated as em- ployed contributors cannot again become special volun- tary contributors . . (500), (502) who again become employed contributors, rate of Sick- ness Benefit applicable to . . (504) Stamp Duty — List of documents exempt from (758) Stamping- unnecessary while person in- capacitated and receiving Compensation or Damages (231) Stamping, Bulk- See " High-Value Stamps." Stamping, Duplicate- Refund allowed in all cases of (202) Stamps — High-value, Table and in- structions for ascertaining number of contributions represented by . .(190) to (194) High-value, how to ascertain date of entry into insurance from cards bearing . . . . (193) State Grants- towards expenditure on bene- fits and administration . . (663) Subscriptions to Hospitals, Nursing Associations, etc. — Societies may grant, and may appoint nurses .. •; (747) Paragraphs Subscriptions to Hospitals, Nursing Associations, etc. — cont. No margin of funds specially provided to meet . . . . (74?) Actuarial advice desirable before giving . . . . (750) to be treated as expenditure on Sickness Benefit . . .. (748) State Grant payable in respect of expenditure on . . . . (748) Entries regarding, in Cash- Book and Ledger . . . . (751) Sunday- How to determine whether to be counted as one of " wait- ing days " for Sickness Benefit . . . . (278), (279) Societies' Rules determine whether benefit is payable for (279), (356) Surgical Appliances — prescribed in Regulations supplied as part of Medical Benefit (424) Surpluses at Valuation (726), (729), (730) Suspended Married Women's Register — Purpose of (513) When entries to be made in . . (513) General instructions for mak- ing entries in . . (514), (515) Entries to be made on suspen- sion from ordinary benefits (516) to (519) Entries to be made if Member again becomes employed contributor or goes out of insurance during husband's lifetime . . . . (520) to (522) Entries to be made in, after husband's death . . . . (523) Entries to be made on re- marriage . . . . . . (524) Entries in, consequent on removal from Membership Register . . _. . (526), (527) Ledger accounts relative to . . (528) to (533) Suspension — See also " Arrears." " Married Women." Does not involve termination of membership . . . . (89) Date and cause of, to be entered in Contribution Register (450) from Medical and Sanatorium Benefits to be notified to Insurance Committee on Orange Slip . .(439) to (441) Suspension for Offences- Procedure in regard to, laid 21 322 Paragraphs Suspension for Oflences — cont. down in Rules to bo strictly observed (272) cannot be for more than one year (272) Maternity Benefit cannot be refused in respect of man's, unless wife was also guilty of offence (364) Society cannot suspend from Medical or Sanatorium Bene- fits (272) accurate Minutes of decision inflicting, to be kept . . (272) facilities to be given to Mem- bers wishing to appeal against (273) not to take effect pending decision of appeal against . . (273) Insurance Committee may suspend Medical Benefit as penalty for breach of Rules of Conduct (461) Tables- showing Maternity Benefit payable in any circum- stances .. .. .. (391) showing appropriatelndex,eto. , slips to be sent by Societies to Insurance Committees in the various cases . . . . (452) showing reduced rates at which arrears may be paid off in the various cases . . . . (694) showing reductions of benefits owing to arrears Teachers — A class of employment speci- fied in a special Order under Section 47 (555) Teachers, Certificated — not insurable while in recorded service . . . . . . (741) Value of past contributions of Members who become, paid to Teachers' Superannuation Fund (742) Commission calculate amount payable to Teachers' Super- annuation Fund in respect of Members becoming, and advise Society of debit . . (742) Teachers' Superannuation Fund — See " Teachers, Certificated." Termination of Membership — See " Membership." Territorial Force- Position in regard to compensa- tion for injuries in camp or at training . . . . . . (229) Time for Joining Society (108), (130), (550) Paragraphs Total Disablement Pensions — See " Pensions." Transfer from Employed to Volun- tary Insurance and uice uersa (195), (196), (578), (618) to (626) Transfer of Engagements — by Approved Society . . . . (39) Transfer Value — See " Transfers." Transfers — Society admitting Member by transfer must send Index Slip to Insurance Committee (437) of Emigrants, foreign and colo- nial Branches of Societies may arrange for reciprocal passing of Transfer values of (735) Transfers between Societies — to be discouraged during war (94) (footnote) Procedure to be followed in carrying through .. (95) to (106) can normally take effect only at end of halt-yearly card periods . . . . . . (96) Procedure where desired "at earliest possible date " . . (96) Procedure where opposed by old Society . . . . (98), (99) Burden of proof rests on op- posing Society . . (94), (99) where Commission decide con- sent to has been reasonably withheld. Transfer Value is not passed . . . . . . (100) Old Society liable for benefits up to date of . . . . (101) How to deal with contribution cards in cases of (102), (103), (106) Issue of new cards and insur- ance books in cases of (102), (106) Procedure in connection with transfer notes ( 103), ( 104), ( 106) Entries in Half -Yearly Return and Contribution Register in cases of .. (102), (103), (106) Transfer Value Advices to be produced to Auditor . . (105) Transfers from Deposit Contribu- tors Fund — Society liable for benefit from date of Member's admission (109) Procedure to be followed (110) to (123) How to deal with cards in oases of .. (Ill), (114), (123) Calculation of arrears in cases of (112) How to calculate Reserve Con- tributions in oases of .. (113) Procedure where transferee is deemed to be in arrears on transfer .. . .(115) to (123) 323 Paragraphs Transfers from Deposit Contribu- tors Fund — cont. Reduction, of Sickness Benefit where transferee is deemed to be in arrears . .(117) to (121) Transferees entitled to their normal rate of Sickness Benefit until expiry of two months allowed for paying " deemed " arrears .. (118) Limit of reduction in Sickness Benefit (119) Time within which " deemed " arrears may be paid . . (120) How " deemed " arrears are to be paid and dealt with (120) to (122) Procedure where Member with- draws or is expelled and does not join another Society .. (124) Transfers from Navy and Army Fund- Before discharge, procedure in case of seamen and marines (125), (126) Before discharge, procedure in case of soldiers (127) to (129) After discharge, seamen, ma- rines, and soldiers (130) to (135) After discharge, time allowed for joining Society . . . . (130) After discharge, how to deal with cards in cases of .. (133) After discharge. Society liable for benefits from date trans- feree joins . . . . . . (133) of men admitted to Fund o/ier discharge .. .. (135) Travellers — Special arrangements for Medi- cal and Sanatorium Benefits of (451) Treasurer of Society — Duties of (43) Trustees of Society — Duties of (44) E«sponsible for its sound and proper administration . . (44) to sue and be sued on behalf of Society (44) May be authorised by Rule to attend meetings of Com- mittee of Management . . (44) Tuberculosis — See " Medical and Sanatorium Benefit." Unemployment — Effect of, on status of insured person . . . . (67) to (79) Effect of, on position of married women . . (477), (484), (488) When to be regarded as merely temporary in case of married women . . . . . . (494) Paragraphs Unemployment — cont. Temporary, effect of, in case of Section 47'Members . . (563) Arrears due to, may be paid off at reduced rate . . . . (220), (592) to (595) Meaning of, in connection with payment of arrears at reduced rate . . . . (592) in Ireland, arrears accrue at Irish rate during . . . . (594) Genuine, Benevolent Fund may be used only to discharge arrears due to . . (645), (646) Uninsured Disabled Members — Special provisions as to medical treatment of . . (463), (464) Unit System — of paying contributions for outworkers . . . . . . (743) Unmarried Members under 21 — Rate of Sickness Benefit of . . (147), (152), (275) who are aliens, benefits of . . (474) " Dependants " of, scope of term (275) Unmarried Women — not usually entitled to Sick- ness Benefit for four weeks after confinement . . . . (255) Valuations — to be made periodically . . (726) Registered Branches are valued separately . . . . . . (726) Results of, depend on how Societies administer bene- fits (726) How surpluses and defici- encies shown at, will be dealt with (726) Societies with less than 5000 Members must be associated or grouped for . . . . (727) Definition of " Association " for purpose of . . . . (728) Regulations governing forma- tion of Associations for, not yet made . . . . . . (731) Definition of " Group " for purpose of (728) The Insurance Committee is the Central Authority of a group for (728) How surpluses and deficiencies are dealt with in case of associated and grouped So- cieties , . . . . (729), (730) Values, Reserve — See " Reserve Values." Values, Transfer- See " Transfers.' 324 Venereal Diseases — See " Certification." Visitors, Sicli — See " Sick Visitors." Voluntary Contributors — See also " Arrears (Voluntary Contributors)." " Special Voluntary Contributors (Mar- ried Women)." Persons eligible a* (569) to (571) Persons erroneously insured as employed contributors who wish to become . . . . (201) Married women cannot be- come ordinary, during hus- band's lifetime . . (481) (o) Period of suspension owing to marriage to be reckoned towards five years' insurance as qualification for being (481) (b) Position of women suspended under Section 44 who be- come, within month after husband's death . . (508), (575) Meaning of " mainly depen- dent " on earnings . . (570) (c) Time allowed for joining So- ciety (108) How to ascertain date of entry into insurance . . . . ( 142) Entry into insurance not effec- tive until at least one con- tribution paid . . . . (435) Kinds of cards applicable to various classes of .. (165), (166), (168), (188), (189) Rates of contributions for . . (188), (189), (573) Alien, contributions of . . (472) Bate of contributions of, does not normally change . . (145) Exceptional oases in which change in rate of contribu- tions occurs . . . . . . (145) pay no contributions after 70 . . (574) Changes to employed rate, and vice versa .. .. (195), (196) Benefits of . . (576) to (578) Bates of Sickness Benefit of .. (153) who transfer to employed rate, rate of Sickness Benefit of (578) with over £160 a year not entitled to Medical Benefit (431). (577) Alien (572) to whom Section 47 applies (565), (579) Suspended for arrears, notice to be sent to . . (212) (o) Ordinary cards used for pay- ment of arrears of .. .. (173) Suspended for arrears, list of, to be sent to Commission (212) (o) Faragraphe Vouchers — Yellow, for Medical and Sana- torium Benefits, issued to persons who frequently move from place to place . . (451) Waiting Days — for j'^ckness Benefit, how to calculate . .. (277) to (279) Waiting Periods— None for Medical and Sana- torium Benefits . . . . (432) Count from date of entering insurance, not from date of joining Society . . . . (109) for Disablement Benefit . . (359) for Maternity Benefit .. (366) for Sickness Benefit . . . . (219) War Office— pay Maternity Benefit as agents of Societies to soldiers' wives confined in Colonies . . (547) Warehousemen — A class of employment speci- fied in a special Order under Section 47 (555) Widows- See " Married Women." Withdrawal from Membership — See " Membership." Women — See also " Aliens." " Confinement." " Married Women." " Special Voluntary Contributors (Mar- ried Women)." should be represented on So- ciety's Committee of Manage- ment . . . . . . (45) Sickness Benefit normally pay- able .to, in respect of in- capacity due to pregnancy (339) must be visited by women sick visitors only . . . . (346) Women, Unmarried — Not usually entitled to Sick- ness Benefit for four weeks after confinement . . . . (255) Women's Diseases — See " Certification." Workhouse — See " Inmates oi Institutions." Yellow Vouchers — for Medical and Sanatorium benefits issued to persons who frequently move from place to place . , . . (451) NATIONAL INSURANCE ACTS, 1911-15. PART I. HEALTH INSURANCE— coii«mi/.erZ. Part VI. — National Health Insurance Commia.sion (Wales). Approved Societies, and tlie steps taken to assist them. The Collection of Contributions, the Receipt and Issue of Funds, and Investments. Insurance Committees. Questions as to Liability, &c. Work of the Outdoor Stall'. [Cd. 7496] of Session 1914. Price 2.s. bd., post free 2.s. IQd. Departmental Committee on Sickness Benefit Claims under THE Act. Report. — Introductory. Ceneral Survey of Macliinery sot up by the Act. Excessive Sickness Claims viewed in relation to the Administration liy Societies, also in relation to the work of Medical Practitioners. Men's Insurance. Women's Insurance. Miscellaneous matters. Summary of Findings and Recommendations. Memoranda by Members of the Committee. [Cd. 7687] of Session 1914-1.5. Price 9a., post free 11 ^d Appendix. Vol. I. — Minutes of Evidence taken from 1.5th October to 18th December, 1913. [Cd. 7688] of Session 1914-15. Price 3s. Id., post free 4.s. Id. Appendix. Vol. II. — Minutes of Evidence taken from 31st December, 1913, to 5th March, 1914. [Cd. 7689] of Session 1914-15. Price 4s., post free 4s. (id. Appendix. Vol. III. — Minutes of Evidence taken from 11th March to 22nd May, 1914. [Cd. 7690] of Session 1914-15. Price 3s. U., post free 3s. 10c/. Appendix. 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[Cd. 8040] of Se,ssion 1914-15. Price 3k/., post free ^d. List of Societies Approved by the National He.alth Joint Committee and by the National Health Insurance Commissioners for England, Scotland, Ireland, and Wales. List 14a.. January 1915. Price 9c/., post free ll^d Account showing Nature and Amount of Securities held on 31st December, 1914, as Investmeiits for moneys forming part of the National Health Insurance Fund. H.C. 195 of Session 1914-15. Price \d., post free Id NATIONAL INSURANCE ACTS, 1911-15. PART I. HEALTH INSURANCE— cor^^Mmer/. SanItoria. Llst of Sanatoria and ofclier Residential Institutions approved by the Local Government Board under the National Insurance Act, 1911, for the treatment of persons sulferino- from Tuberculosis, and resident in England (excludino- Monnioulhshire), with the Names of the Administrative Counties and County Borou^-ljs in ^vhicl^ the Institutions are situate, and the date on which the approval expires in each case. . (191.5.) 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Decisions given by tmio Umpire respecting Claims to Benefit. Vol I. Nos. 1-500. Civen irp to 19th March, 1914. With Prefatory Note, tlie rele\'ant portions of the Act and Regulations, and Index. (1914.) Price Is. 3d, post free Is. 8d Vol. IT. Nos. 50 J -1000. Given up to 22nd April, 1915. Analysis of Decisions. Index. (1915.) Price 2.s., post free 2.s'. 5(i. Decisions given by the Umpire respecting Demarcation of Trades, up to and including those published in the "Board of Trade Journal" for 12th February, "l914. With Index, (1914.) Price Is'., po.st free Is. 4d Date Due ^ ^ . <.. -f-V": :. ■