26 years, and the other (which would be higher in amount for the same benefits) for persons upwards of 26 and not exceeding 35 years of age.
In addition to this twofold insurance, a third benefit should be added (at the option of the parties contracting), for an annuity to commence when the sickness pay ceases. This might be, in some cases, included in one insurance; in others it would form a second and separate insurance.
Monthly and bimonthly contributions to be paid at the nearest money order office or post office selected, and the postmaster to be the local agent. A small fine, in case of negligence in payments, will secure punctuality. The whole cost to be defrayed by a portion of the contributions set apart for a management fund. The whole of the machinery and its management are already in fair working order, having been established, in 1864, by the Act already referred to. The expenses of the system, on its introduction, would be a very small addition to those already incurred. The staff at head-quarters might probably need increasing; and the plan adopted, we believe, in the Essex County Provident Society, of travelling inspectors, to certify in certain sickness cases, would, if approved and acted upon, necessitate some additional outlay. The agency staff, with the medical referees, is already secured under the Act. We trust that the recommendation of the Commission in Agriculture that further consideration may be devoted to this proposal will be granted, and that it may be tested by the scrutiny of a friendly societies commission.
The adoption of such a system would at once attract to itself the moral influence which the gentry, the medical profession, and the clergy possess. The support at present lavished upon untrustworthy benefit societies would be at once withdrawn, and though subscriptions might continue in behalf of an annual festival, in which all good societies might join with the Post Office branch, we should hear of no more bolstering up unsound societies by contributions from landowners and others. It would also receive the powerful support of the guardians. It would be a safeguard against the establishment of new and fraudulent clubs, whose managers, concealed and at a distance, may be compared to the fowler who catches the birds in his evil net. It would prevent the formation of new clubs. For the same answer which is now given to the proposal to establish a savings bank of the old style would be made to the promoters of new societies. They would be referred to the nearest post office. And it is, lastly, no unreasonable anticipation that a fair percentage of our best and steadiest young labourers would, as in the case of the Kent Friendly Society, avail themselves of
