MAJORITY REPORT. 
245 
TEESE 
penalty in respect of arrears due to genuine inability to obtain 
employment. 
PROPOSED ADDITIONS TO PRESENT LIST. 
599. Coming now to the question of additions to be made to 
the present list, we have been informed by several witnesses 
that there is a pressing demand for the inclusion of payments 
for massage and electrical treatment as an additional benefit, 
and we have received evidence which convinces us that the 
provision of this benefit would materially assist in the promotion 
of earlier recovery in the case of persons suffering from certain 
types of incapacity. We would refer particularly to the evidence 
given before us by Dr. Smith Whitaker (Q. 23,973), and that 
given on behalf of the Chartered Society of Massage and Medical 
Gymnastics (App. LXVIL; Q. 18,437-18,518). We recommend, 
therefore, that this benefit should be added to the list. 
600 Finally, we think it desirable that the whole of the 
permissible additional benefits, as amended in accordance with 
our suggestions above, and including those at present prescribed 
by Regulation, should be included in the Act itself. 
SECTION G.—LIMITATION ON INCREASES IN CASH 
BENEFITS. 
601. It was suggested to us by several witnesses, most of whom 
appeared on behalf of Friendly Societies, that a limit should be 
placed by Statute upon the amount of the cash increases which 
an Approved Society should be allowed to provide under a scheme 
of additional benefits. Thus, the Hearts of Oak Benefit Society 
(App. 1V, 144-157; Q. 3313-3331, 3349-3361, 3367) emphasised 
the greater relative importance to public health of additional 
benefits in the nature of treatment, and suggested that no Society 
should be allowed to apply more than 50 per cent. of a disposable 
surplus to increases of the normal rates of cash benefits. They are 
also of the opinion that *‘ the insured population as a whole do not 
fully realise or appreciate the granting of additional cash 
benefits,” and they add that we have reason to believe that 
whether an insured person receives the statutory benefit of 15s., 
or the sum of, say, 18s. (including additional benefit of 3s.), the 
recipient is of the opinion that he is only receiving the normal 
benefit of the Act, and not any additional benefit for which he 
has not been called upon to pay a corresponding additional con- 
tributicn.”” The Ancient Order of Foresters (App. V, 50-53; 
Q. 4153-4156, 4265-4266, 4271-4273, 4310-4316) also refer to the 
importance of treatment benefits from the preventive standpoint, 
and suggest that a reasonable proportion of surplus should be 
devoted to such benefits by each Society, and that a definite limit 
should be imposed on the extent to which additional cash benefits 
may be granted. They also express the view that any considerable 
Eira