Deutsche Geschichte: Neuere Zeit

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Multivolume work

Identifikator:: 1892063557

Document type:: Multivolume work

Author:: Lamprecht, Karl http://d-nb.info/gnd/118569015

Title:: Deutsche Geschichte

Place of publication:: Berlin

Publisher:: Gaertner

Year of publication:: 1891-

Collection:: Economics Books

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Volume

Identifikator:: 1892067188

URN:: urn:nbn:de:zbw-retromon-236614

Document type:: Volume

Author:: Lamprecht, Karl http://d-nb.info/gnd/118569015

Title:: Neuere Zeit

Volume count:: Abt. 2

Place of publication:: Freiburg im Breisgau

Publisher:: Heyfelder

Year of publication:: 1904

Scope:: XVI, 482 S.

Digitisation:: 2022

Collection:: Economics Books

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APPENDIX A. 954.1 MATERNITY BENEFIT. 21. The experience of the Selected Societies in respect of claims for maternity benefit is shown in Tables C (M.), C (S. & W.) and C (M.W.) for men, unmarried women and married women respectively. The experience, as summarised at the foot of the tables relating to men and married women, shows a declining birth rate from year to year. In the case of men, the relation of the claims to the expectation in the several age groups does not vary greatly from a constant figure except at both extremes of age, and we consider that it will be sufficient to employ issue rates equal to 85 per cent. of those incorporated in the present financial basis. In the case of women, the experience has departed more widely from the basis, and here we think it advisable to use the actual rates of the Selected Societies Experience adjusted to secure a smooth progression from age to age and otherwise so as to produce an over-all margin of about 10 per cent. which, we consider, should be added in view of the low birth rates in recent years. 22. The remarkably low proportion (51 per cent. over all, as compared with 82 per cent. in the case of men) which the maternity benefit claims of insured married women bear to the standard, calls for comment. The same feature was shown by the Government Actuary in his Report on the First Valuations of Approved Societies (Cmd. 1662), para. 52, to have prevailed over the whole field of National Health Insurance in the period up to 1918, and in view of its persistence after the special conditions of the war years had passed away we are led to think that it is permanent. The present basic rates are constructed from the records of births to married women in a representative community in the year 1910. A general fall in the birth rate has subsequently taken place, but the extent of this is not greater than is indicated in the experience relative to the wives of insured men. The larger part of the difference in the case of insured married worsen affords a clear indication that a much lower birth rate prevails among married women engaged in industrial employment than among those who are not so encaced. Mgeproar, BENEFIT. 23. The charge upon the funds of Approved Societies for medical benefit is fixed by the principal Act at seven-ninths of a sum of 9s. 6d. per insured berson per annum, and in estimating the contribution required to provide the present benefits we have taken the liability on this basis. The sum named does not, however, comprise the whole cost of medical benefit, and further provision of a temporary character is made by the National Health Insurance (Cost of Medical Benefit) Act, 1924, which comes to an end on 31st December, 1926. Such further charges as may be placed upon the funds of Approved Societies after this date in respect of medical benefit will accordingly fall to be met out of the sum which, at a later stage of this Report, we shall advise to be available for new expenditure. Mixor Factors. 24. The present basic assumptions as regards the factor (e) named mn Para. 4 above have been adopted without modification. The present basis in regard to (f) has been altered so far as is necessary to bring it into conformity with the new Life Table employed, as explained in para. 10 above. So far as concerns (g)—the provision to be made for the sickness and maternity benefits of women in Class K—we have examined the actual experience of the Class both among the Selected Societies and in other important organisations whose data were available to us. On the facts before us we conclude that it will be sufficient to provide for the payment of maternity benefit in 70 per cent. of the cases in which married women enter into Class K and for an average duration of sickness claim of five- eighths of a week. It should be added that on this basis the contributions A A700 M

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