MAJORITY REPORT. 
do 
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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-