MINORITY REPORT.
S01
(2) The interest of the Approved Society in the normal
and the additional benefits is less narrow. In relation to the
normal benefits they are concerned (a) to see that insured
persons who are entitled to benefit are promptly paid, and
(b) to see that no insured person is paid unless he is entitled
to payment.
Local Authorities, who deal with people living in their
respective areas, could of course pay benefit in proper cases
at least as quickly as Approved Societies, whose members
may live in any one of the administrative areas of the
country.
Whether a payment ought to be made to an insured
person depends upon the answer to the question, ‘‘ Is this
person incapable of work owing to illness? ** This question
is answered, in practice, by a doctor, subject to the right
of the body through whom payment is made to scrutinise
the doctor’s certificate, to obtain a further medical opinion,
and to complain if they think that the doctor has not told
the truth.
Now it seems to us that the whole of these proceedings
are an integral part of the medical service rendered by
insurance practitioners under their contracts.
The Commission are unanimous in recommending that
Insurance Committees should be abolished and that their
functions should be transferred to Tiocal Authorities, and
we cannot resist the further conclusion that Local Authori-
ties could and should take the place of Approved Societies
as the Authorities through whom sickness and disablement
benefits should be administered. °
(3) In relation to the payment of sums enabling an
insured person to get an additional benefit :—
(@) so far as the additional benefits consist in
increases of the normal benefits, the Approved Society
is concerned with the points already dealt with;
(b) so far as the additional benefits are in the nature
of medical benefit, the interest of the Approved Society
is, or (as our colleagues agree) ought to be, no more
extensive. They do not provide the benefits. They
merely hand over to some of their members, who, if
properly selected, are so selected on medical grounds,
money enabling the benefits to be obtained. They are
not qualified to assess the value of the services rendered
for the money, and we gather that the business of
securing a proper return for the sums spent on dental
and ophthalmic treatment given by way of additional
benefit is, in fact, receiving the attention of the
Minister of Health