Report of the Royal Commission on National Health Insurance

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Monograph

Identifikator:: 1740277147

URN:: urn:nbn:de:zbw-retromon-132094

Document type:: Monograph

Title:: Report of the Royal Commission on National Health Insurance

Place of publication:: London

Publisher:: Stationery Office

Year of publication:: 1926

Scope:: XII, 394 S.

Digitisation:: 2020

Collection:: Economics Books

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Document type:: Monograph

Structure type:: Chapter

Title:: Chapter XIII. Miscellaneous questions

Collection:: Economics Books

MAJORITY REPORT. 205 or Th any insurance funds which are available for such a purpose, and even if funds were available, we doubt whether the course sug- gested would be desirable, as it might encourage laxity in the payment of contributions at the proper time. Moreover, it might prove embarrassing as a precedent if cited in support of a similar demand in cases not involving bankruptcy, e.g., where an employer had disappeared. SECTION C.—ADMINISTRATION OF THE CASH BENEFITS. 480. We have received very little evidence in criticism of the provisions of the Act with regard to the administration of sick- ness and disablement benefits and the conditions to be complied with by insured persons in order to obtain those benefits. There are, however, a few points on which suggestions have been made for minor modifications, and these we will now proceed to examine. LATE NOTICE OF ILLNESS. 481. Our attention was directed to the provisions of the Act with regard to insured persons who do not give prompt notice of an illness for which they desire to claim benefit. Prior to 1918 title to sickness benefit was not made conditional upon the giving of notice of illness within any prescribed period after the commencement of incapacity, and it was found that manly claims for benefit were received from members after their recovery, when it was no longer possible to supervise the claims. Provision was therefore included in Section 12(2) of the 1918 Act (now Section 13(4) of the 1924 Act) whereby an insured person claiming sickness or disablement benefit is required to furnish otice of incapacity to his society within three days of the com- Mencement of his illness, and if he does not do so, benefit does Not in normal circumstances commence until the day following the date of notice. The proviso to the subsection, however, exempts from the operation of this clause those persons who are able to satisfy the Society that they were ‘‘ not reasonably able * to furnish notice within the prescribed time. 482. We are informed that the terms of the proviso to which We have referred have been found in the light of experience to be ot altogether satisfactory (Kinnear, Q. 23,495). Some Societies Place a strict interpretation upon the phrase ‘‘ not reasonably able,” and we understand that confirmation of the view taken by those Societies is afforded by the findings of a referee Appointed by the Minister under Section 90 of the 1924 Act in a “ase recently referred to him on appeal, in which it was decided that the words of the proviso must be construed as implying Physical inability. Many cases arise, however, where in strict- fess it may not be possible to contend that the person concerned 1s Physically unable to furnish notice of illness, but yet he

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