366 
APPENDIX A. 
13. The differences between the experiences of unmarried women and 
married women are particularly arresting. Comparison of Cols. (12) and 
(14) of Tables II and ITI respectively shows that among married women, 
both the proportion claiming sickness benefit and the duration of attack 
were considerably greater than in the case of unmarried women. Compari- 
son of Col. (15) of the two Tables shows that the proportion of married 
women drawing disablement benefit was also greater, but on contrasting 
Col. (16) 1t is found that except at the higher ages the average duration of 
disablement benefit claims was much less among the married than among 
the unmarried. This is complementary to the excess in the proportion 
‘ going-off ’ among the married, but it seems quite inconsistent with the 
general features of the two bodies of experience and, taken in conjunction 
with the figures set out in the next paragraph, seems to suggest that 
societies are applying to the disablement claims of married women a 
degree of activity that might well be exerted, and at an earlier stage, on 
all claims of prolonced duration. 
14. In view of the features shown by Col. (17) of each of the Tables I, IT, 
and ITI, it was thought probable that instructive results would follow 
from an investigation of the after-history, up to the end of 1924, of a 
large number of cases in which insured persons had gone off the fund after 
drawing disablement benefit. It was not worth while in this connexion 
to investigate cases in which the ‘‘ declaration off 7’ had been so recent as 
1923, while the necessary data were not available in respect of cases 
arising in 1921. The work was necessarily limited therefore to the 1922 
cases, and even so it would have been prohibitively heavy had it extended 
over the whole field. A selection was therefore made of societies with a 
widely distributed membership and representing a substantial proportion 
of the whole of the data. This selection yielded 1062 cases of men, 609 of 
unmarried women and 214 of married women, who had ceased to receive 
disablement benefit in 1922. Each case was then traced through 1923 and 
1924 and its benefit history in these years ascertained. The results are 
set out statistically in Tables IV, V and VI appended. It is proposed to 
give here no more than a summary of sufficient extent to indicate the con- 
clusions obtained. 
15. Taking first the 1062 cases of men it was found that in no fewer 
than 554 cases the insured person was again a claimant in 1928 and/or in 
1924. In 400 of these cases he claimed in 1923 and 254 of the 400 claimed 
in 1924 as well as in 1923. Further, among the 400 who claimed in 1925. 
289 had mot been off the funds for 12 months since they ceased to claim 
in 1922 and these returned to disablement benefit. In 111 cases the 
member had been off the funds for the full 12 months and, on again 
claiming, drew sickness benefit. These cases constitute 11 per ceut. of 
the whole number of ¢ declarations off ’’ disablement benefit in 1922. In 34 
of them the insured person on resuming benefit drew sickness benefit for 
28 weeks and then went on to disablement benefit. In 84 other cases 
among the 111 the average amount of sickness drawn in 1923 was 7 weeks 
and in the ‘remaining 43 cases the insured person claimed hoth in 1923 
and 1924 for an average total period of 14 weeks. 
16. The same features present themselves in the women’s experience. Of 
the 609 unmarried women who ‘¢ declared off ’’ disablement benefit in 1922, 
286 returned to benefit in 1923 and/or in 1924. Of these, 200 again 
claimed in 1923 and 54 of them were able to claim sickness benefit. Of 
this latter number no fewer than 24 remained on the funds to draw the 
full 26 weeks of sickness benefit and then went on to disablement benefit. 
Of the 214 married women who went off disablement benefit in 1922, 
102 again claimed in one or other of the two following years, 49 of them 
claiming in both years. Of the 74 among these 102 who returned to 
benefit in 1923, 28 had been off the funds for 12 months and returned to 
sickness henefit: 5 of them remained on the funds for over 26 weeks.