MAJORITY REPORT. 
24 1 
588. In the case of transfer between Branches of the same 
Society, where in practice no transfer of membership is likely to 
arise unless the member moves from one locality to 
another, we think that it might be left optional to the Societies 
to allow the title to participate in the additional benefits of the 
new Branch to be given immediately on transfer. In the special 
circumstances indicated it is unlikely that the financial position 
of any Branch accepting transfers would be sensibly affected by 
this concession. 
589. There is one type of case in which we think that a special 
exception might be made to the normal provision as to title to 
participate in additional benefits. We have referred in para- 
graph 461 to certain classes of insured persons, such as 
bank clerks, insurance officials and the like, who normally 
pass out of insurance at a comparatively early age by reason 
of their rate of remuneration rising beyond the limit of £250 
a year. These persons are mostly congregated in a few Approved 
Societies formed specially for their benefit, and these Societies, 
by reason of the character of their membership, which results in 
low benefit claims, have large surpluses on valuation. The 
anomalous position then arises that before a scheme of additional 
benefits has been brought into operation or during its currency, 
many of the persons who, as members of the Society, contributed 
to build up the surplus pass out of insurance and are consequently 
no longer eligible to participate in the benefits. 
590. It was suggested to us by Mr. Duncan Fraser, giving 
evidence on behalf of the Royal Insurance Officials’ Benevolent 
Association, that in order to deal with this position there should 
be a special extension of the period during which title to 
additional benefits should continue after the cessation of 
insurable employment (App. XXVII, 20; Q. 11,085 and 
11,106-11,113). The same suggestion was supported by wit- 
riesses representing the Stock Exchange Clerks’, Baltic 
Corn Exchange and Lloyds’ Health Insurance Societies (Q. 8535- 
8552), and also by Sir Walter Kinnear (Q.23,397, 23,399 and 
23,407-23,427). We think that in these exceptional cases such 
special extension might reasonably be made as regards title to 
participate in additional benefits in the form of treatment. We 
therefore recommend that provision should be made to the effect 
that where the valuer certifies that a substantial part of the 
surplus of a Society has accrued in respect of members who have 
ceased to be insured as employed contributors by reason of passing 
over the income limit, or are likely so to cease in the near future, 
the scheme of additional benefits may, subject to the approval of 
the Minister, provide for an extension of the period during which 
additional benefits, other than cash benefits, may be provided to 
persons who are, or within a period provided by the scheme have 
been, members of the Society.