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. do aN them.”” This benefit really falls into two parts: (1) payment of increased benefit to all members, and (2) payment of in- creased benefit to members with dependent children. The former of these is now a feature of the additional benefit schemes of nearly all Societies, and is working well. As regards (2), the benefit is open to criticism on the ground that it makes no provision for the payment of the additional benefit in respect of a dependent wife. We are also advised (Kinnear, Q. 23,689) that actuarial calculations involving an amount of work wholly dis- proportionate to the purpose to be served would be necessary in the case of each Society proposing to adopt the benefit. We think that the question of allowances of this nature is more appropriate for consideration in connexion with the payment of increased sickness or disablement benefit to all insured persons with dependants, a subject with which we have dealt in Chapter XI of our Report. We therefore recommend that additional benefit No. 3 should be restricted to ‘‘ an increase of sickness benefit and disablement benefit.’’ 594. Additional benefit No. 4 is “‘ the payment of sickness benefit from the first, second or third day of incapacity.” We can understand a Society desiring to pay sickness benefit from the commencement of illness (and not a few Societies have, in fact, adopted this as an additional benefit for their members) or, on the other hand, being satisfied with the normal provision of the Act, under which benefit is paid only from the fourth day of incapacity ; but it appears to us to be an altogether unnecessary refinement to contemplate the possibility of any arrangements intermediate between these two courses. Furthermore. the actuarial calculation of the estimated cost of paying sickness benefit from the second or third day of incapacity would be a heavy and expensive task, compensated by no corresponding advantage. We therefore recommend that the words ‘‘ second or third ** should be deleted from the definition of this benefit. 595. Additional benefit No. 5 is ‘‘ the payment of a disable- ment allowance to members though not totally incapable of work.”’ This benefit has not been adopted by any Society, and would be extremely difficult to administer satisfactorily. With- out a degree of supervision which in most Societies would be quite impossible, it would be likely to lead to serious abuse. We therefore recommend that this benefit should be removed from the 1i-* 596. Additional benefits Nos. 9 and 10 are the payment of Pensions or superannuation allowances or of contributions to superannuation funds. The first of these benefits appears to us to be open to serious ebjection, on the ground that its enjoy- nent would necessarily be restricted to a small minority of the members of a Society at the expense of the general body of members. The second of these benefits—payment of contribu-

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