possible from resorting to the rate, on the other, a trustworthy and easily understood system of insurance should be offered to them under Government supervision.
Effort has already been made to obtain such a boon to the working classes by the directors of the Kent Friendly Society and various boards of guardians, agricultural and clerical associations in Kent, by urging on the attention of the Duke of Montrose, when Postmaster-General, the proposal for an extension of the 27th and 28th Vic. cap. 43, by which certain insurances may be effected at the Post Office. The memorialists prayed that the sums payable at death might be granted as low as 5l., and that "endowments" might be obtainable; and, lastly, that such a system might be established as would allow labourers to secure, by a single policy of insurance obtainable from the Post Office, sums, in sickness, from six shillings a week and upwards, together with burial money from 5l. and upwards. The objections with which the proposal for sickness pay and burial money were met were fairly disposed of by a deputation of the memorialists.[1] Nor has any valid argument against the proposal been advanced, unless that is held to be valid which consists in the unwillingness of influential officers of the Post Office, who do not view it at present with favour, and whose benevolent exertions for the benefit of the insuring public entitle their opinion to respect. It remains to be seen whether, by the sagacious counsels and guidance of the successor of the Duke of Montrose, the co-operation of those who now stand aloof might not be obtained. The argument that the good of the community, and especially of the labouring classes of the lower degree, may be secured and promoted by such a measure will not, we are sure, be without its weight with them. The Chief Commissioner, Mr. Tremenheere, endorses, in the report already alluded to, the opinion that this proposal is one which "is well deserving further consideration."[2]
The principal details of this proposal may here be briefly stated:—
Sickness pay and burial money to be offered in a single insurance, to healthy male persons under 36 years of age, from 6s. a week, for a term of weeks, with 5l. at death, to 20s. a week with 20l. at death. All contributions, and the claim for sickness pay, to cease at 70 years of age.
In order to encourage respectable labourers to join early, there should be but two scales of contributions; one for persons under
- ↑ See the appendix to "The Report of the Commission in Agriculture," p. 101; or the pamphlet, "Friendly Societies v. Beer-house Clubs" (Ridgway, Piccadilly) in which the objections are dealt with.
- ↑ Report of the Commission.
