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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APPENDIX A. 363 po 5. After making due allowance for the fact that Col. (1) includes all claims, however short, while with few exceptions Col. (2) excludes cases that did not extend to at least four days, it is clear from Table 1 that in National Health Insurance there have been relatively many fewer claims than in the Manchester Unity Experience but that the duration has been more prolonged, especially at ages under 45. These results do not give us any clear indication of what to expect in regard to the corresponding factors in the experience of disablement benefit. On the whole, since the differences between Cols. (2) and (1) are more marked than the differences between Cols. (4) and (3), it would perhaps be reasonable to look for a smaller proportion drawing disablement benefit in the case of the Selected Societies than in the case of the Manchester Unity, especially if the theory that the disablement benefit experience has not yet reached maturity is well- founded. The facts obtained are shown in Table 2. It is necessary to explain in regard to this table that there are two factors as to the pro- portions receiving benefit which should be distinguished (a) the proportion completing sickness benefit and entering on disablement benefit during the year and (b) the full proportion in receipt of disablement benefit. This latter includes with (a) those on the disablement list at the beginning of the year and those who on first claiming during the year were only entitled to disablement benefit under the *‘linking-up ’® provision of the Act.* TasLE 2. Proportion of members reaching disablement benefit in the course of the vear (per thousand). Proportion of members drawing disablement benefit in the course of the vear (per thousand). Central age of group. 18 22} 274 32 5 4 47 524 574 AL M.U. approx.) 1) 1% 1 ? 29 40) Selected Societies. (2) | | 1 2 M.U. approx.) ; pare ] 4 64 119 Selected Societies. (4) i 2 2s 47 21 6. It will be seen that up to age 40 the proportion reaching disablement benefit during the year in the Selected Societies was practically identical with the Manchester Unity Experience, although the proportion who had sickness benefit was very much smaller. This seems to throw up in strong relief the effect of ¢‘ longer duration.” The full proportion draw- ing disablement benefit is actually greater up to 40 than in the standard experience. This may be due to the existence of a greater proportion of “ linked-up »’ cases. If the greater average duration of sickness benefit is attributable in part to frequent claims from a small section of persons of inferior health at entry. a class which, owing to medical examination, * Where a person has received sickness or disablement benefit and recovers, any subsequent incapacity is treated as a continuation of the previous incapacity unless a period of one year has elapsed, Otherwise the two attacks are “linked-up'’ and in such case if sickness benefit is payable at the beginning of the second attack the claimant is not subject to the waiting period of three days. This explains the difference between Cols. (2) and (8) in Tables I. II and IIT appended.

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