contributions to, or substantially to supplement the benefits payable out of the
fund, and this section shall not apply to any society to which such an exemp-
tion has been granted.
(8) Except so far as relates to the power of refusing to make good any part
of a deficiency due to maladministration on the part of any society, nothing in
this section shall be construed as conferring on any central financial committee
or insurance committee any powers of control over the administration of asso-
ciated or grouped societies.
Special provisions with regard to societies with branches,
40. — (1) Where a society with branches is so organized that the branches
In different geographical areas are grouped together for the purpose of this
section, the branches in any such area may, if and to such extent as the rules
of the society so provide, and If the number of members of the branches being
insured persons in the area exceeds five thousand, be treated for the puriwses
of the provisions of this part of this act relathig to valuations, surpluses, and
deficiencies as if they formed a separate society.
(2) The rules of any society with branches may provide for the branches
reinsuring with the society their liabilities in respect of any of the benefits
under this part of this, act, or, if the society is so organized as aforesaid, for
such reinsurance either with the society or with the group.
(3) Where a society with branches has among its members insured persons
who are not members of any branch, and the benefits of such members are ad-
ministered by the society itself, such members shall be treated for the purposes
of this part of this act relating to valuations, surpluses, and deficiencies as if
they formed a separate branch.
Power to separate men's and women's funds,
41. Where an approved society, not being a society with branches, has
amongst Its members both men and women, and the rules of the society so pro-
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19U. 33
Tide, the provisions of this part of this act with respect to valuations, surpluses,
and deficiencies stiall apply to the society as if it were a society consisting of
two branches, the one comprising the male members and the oUier comprising
the female members.
DEPOSIT INSURANCE.
Provisions as to deposit contributors,
42. Until the first day of January nineteen hundred and fifteen, the follow-
ing provisicHis shall apply in the case of insured persons ( in this act referred to
as deposit contributors) who have not joined an approved society within the
prescribed time, or who, having been members of an approved society, have been
expelled or have resigned therefrom and have not, within the prescribed time,
joined another approved society:
(a) Contributions by or In re^)ect of a deposit contributor shall be credited
to a special fund to be called the post-office fund :
(6) The sums required for the payment of any sickness* disablement, or
maternity benefit payable to a deposit contributor, except so far as
they are payable out of moneys provided by Parliament, shall be
imid out of the money standing to his credit In the post-office fund,
and his right to benefits under this part of this act shall be sus-
pended on the sums standing to his credit In that fund being ex-
hausted, except that his right to medical benefit and sanatorium
b^iefit shall continue until the expiration of tlie then current year,
and that the insurance committee, if it has funds available for the
purpose and thinks fit so to do, may allow him to continue to receive
medical benefit or sanatorium benefit or both such benefits after the
expiration of such year:
(c) Such sum as may be prescribed shall in each year be payable In respect
of each deposit contributor towards the expenses incurred by the
insurance committee in the administration of benefits:
id) Such sum as the Insurance committee may, with the consent of the
insurance commissioners, determine shall in each year be payable
in respect of each deposit contributor for the purposes of the cost of
medical benefit:
{€) The sums payable in respect of a deposit contributor for the purposes
of medical benefit and sanatorivmi benefit, and toward the expenses
of administratlcm, shall, except so far as they are payable out of
moneys provided by Parliament, be deducted at the commencement
of each year from the amount standing to his credit In the post-office
fund, and. If at the commencem^it of any year the amount so stand-
ing to his credit Is insufficient to provide such sums, he shall not,
unless the insurance committee consents, and except subject to such
conditions as that committee may impose, be entitled to any benefits
during that year:
'(/) Upon the death of a deposit contributor, four-sevenths (or in the case
of a woman one-half) of the amount standing to his credit in the
post-office fund shall be paid to his nominee or, in default of a nom-
ination, to the person entitled to receive the sum as if it were money
payable on the death of a member of a registered friendly society,
and the balance thereof shall be forfeited, and sections fifty-six to
sixty-one of the Friendly Societies Act, 1896, as amended by any
subsequent enactment, shall, subject to the prescribed adaptations,
apply accordingly :
(g) Where a deposit contributor proves to the satisfaction of the Insurance
committee that he has permanently ceased to reside In the United
Kingdom, four-sevenths (or in the case of a woman one-half) of the
amount standing to his credit in the post-office fund may be paid
to him.
Transfer from approved society to deposit insurance and vice versd,
43. — (1) If an insured person, being a member of an approved society, censes
to be a member of that society, whether voluntarily or by expulsion, and falls
49676"—12 3
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34 BULLETIN OF THE BUREAU OF LABOR.
to become within the prescribed time a member of anotlier approved society,
then —
(a) if he becomes a deposit contributor, his transfer value shall be carried
to his credit in the post-office fund: Provided, Tliat if a reserve
value lias been credited to the society in resi)ect of him, such part
of that reserve value as Is still outstanding (or if the amount so
outstanding exceeds the transfer value such part of the reserve value
as is equal to the transfer value) shall be canceled, and the amount,
if any, by which the transfer value exceeds the amount so canceled
i^all be carried to the credit of the deposit contributor ;
(&) if he does not become a deposit contributor, his transfer value shall be
carried to such account and dealt with in snch manner as may be
prescribed.
(2) If an insured person who is a deposit contributor subsequently becomes
a member of an approved society for the purposes of this part of this act, there
shall be transferred to the society the amount standing to his credit in the
post-office fund :
Provided that —
(a) if that amount exceeds the value of the contributions paid by or in
respect of him estimated on the assumption that he had been a mem-
ber of an approved society since Ills entry into insurance, the excess
shall not be transferred to the society but shall be carried to the
credit of the post-office fund ;
(6) if that amount is less than such value, the insured person shall be
treated as being in arrear to the amount of the deficiency.
• PBOVISIONS AS TO SPECIAL CLASSES OF INSURED PERSONS.
Special provisions with respect to married women.
44. — (1) Where a woman who has before marriage been an insured person
marries, she shall be suspended from receiving the ordinary benefits under this
part of this act until the death of her husband, and, if she is a member of an
approved society, one^third of her transfer value shall be carried to a separate
account called the married women's suspense account, but, if at any time after
the death of her husband she becomes an employed contributor, the period be-
tween her marriage and the expiration of one month from the death of her
husband shall be disregarded for the purpose of reckoning arrears, and there
shall be transferred from the married women's suspense account to the society
of which she is a member the proper reserve value calculated according to
tables to be prepared by the insurance commissioners:
Provided that, where a woman who has been employed within the meaning
of this part of tiiis act before marriage, proves that she continues to be so em-
ployed after marriage, she shall not be so suspended so long as she continues
to be 80 employed, and that, where a married woman so suspended from the
ordinary benefits becomes employed within the meaning of this part of this act
before the death of her husband, contributions shall thereupon again become
payable in respect of her, and she shall cease to be suspended from receiving
the ordinary benefits, but, subject to regulations made by the insurance com-
missioners, she shall, for the purposes of those benefits, be treated as if she had
not previously been an Insured person.
(2) Where a married woman being a member of an approved society Is so
suspended from the ordinary benefits as aforesaid, she may, if she so elects
within one month after such suspension, or, subject to the consent of the
society, after the expiration of that month, and notwithstanding that she is
not engaged In any regular occupation, become whilst so suspended a voluntary
contributor, subject to the following modifications, but not otherwise :
(a) The rate of contributions imyable by her shall be three-pence [6 cents]
a weeli;
(&) The benefits to which she shall be entitled shall be —
(i) medical benefit; and
(ii) sickness benefit and disablement benefit at the rates and
subject to the conditions specified In Table D of Part I of the
Fourth Schedule to this act ;
(c) No part of her contributions shall be retained by the insurance com-
missioners for the purpose of discharging their liabilities to approved
societies in respect of the reserve values created under this act :
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BBinSH NATIONAL INSUBANCE AOT, 191L 35
PpoTided that, where a married woman elects not to become such a voluntary
contributor, she shall be entitled to have a sum equal to the remaining two-
thirds of her transfer value applied in accordance with regulations of tlie insur-
ance commissioners toward the payment of any of the benefits 8t)eclfied in Part
III of the Fourth Schedule to this act until the same* is exhausted, except tliat,
where a reserve value was credited to the society in re^)ect of such woman at
the date of her entrance into insurance^ so much of such sum as aforesaid as
may be prescribed shall not be so appli^ but shall be written off the amount of
the reserve values credited to the society.
(3) Where the husband of a married woman who has been so suspended from
ordinary benefits as aforesaid and who Is a member of an approved society dies,
she may, if she is qualified to become a voluntary contributor, and elects to do
so within one month after the death of her husbaud, become an ordinary volun-
tary contributor paying contributions at the rate which would have been ap-
plicable to the case had she become such a contributor at the date of her entry
into insurance:
Provided that she may, whether or not so qualified, if she so elects within one
month after the death of her husband, continue to be or become a voluntary
contributor on the same terms and subject to the same conditions as above pro-
vided as respects married women.
In either such case there shall be transferred from the married women*s sus-
pense account to the society the proper reserve value calculated as aforesaid.
(4) W"here a married woman who was at the date of her marriage a deposit
contributor is by virtue of this section su^)ended from the ordinary benefits
under this part of this act, two- thirds of the sum standing to her credit in the
post-ofilce fund shall be applied in accordance with the regulations of the insur-
ance commissioners towards the payment of any of the benefits specified in
Part III of the Fourth Schedule to this act until the same is exhausted.
(5) Where a woman who was a married woman at the commencement of this
act at any time subsequently either before or within one year after the death
of her husband becomes an employed contributor and a member of an approved
society, she shall he entitled to full benefits, notwithstanding that at the time
of so becoming she is of the age of seventeen or upwards.
(«) Where any arrears of contributions have accrued due in respect of a
married woman during coverture such arrears shall, on the death of her hus-
band, be disregarded and she shall l>e thenceforth entitled to l)enefits as if such
arrears had never accrued due.
(7) Except as provided by this section, a married woman shall not be entitled
to bec*ome a volmitary contributor, and, if a woman is before marriage a volun-
tary contributor, she shall on marriage not be entitled to continue to be such a
coDtributor.
(S) If a woman, whilst a voluntary contributor at such reduced rates of
benefit as are provided by this section, becomes employed within the meaning
of this part of this act, she shall be entitled to a certificate (to be granted in
manner hereinbefore provided) exempting her from liability to t>ecome an em-
ployed contributor so, however, that such exemption shall not exempt the em-
ployer from his liability to pay contributions in respect of her, or deprive him
of his right to recover such part of those contributions as is payable on her
behalf, but of each weekly contribution so paid by the employer three pence [6
cents] shall be treated as her contribution as a voluntary contributor and the
balance shall be applied for her l>enefit in such manner as the society may
determina
(9) If at any time the married women's suspense account is insuflicient to
meet the liabilities imposed on it by this section, the deficiency shall be made
good out of the sums retained by the insurance commissioners for discharging
their liabilities in respect of the reserve values created by this act
(10) Transfer value for the purposes of this section shall be calculated in
such manner as the insurance commissioners may prescribe.
(11) Where a woman Is a member of an approved society at the time when
she is entitled to exercise an option under this section, it shall be the duty of
tbe society to give her full information as to the nature of her rights.
(12) Where a deficiency has been found in respect of the society or branch
of which a woman is a member at a valuation previous to the time when she
became suspended from ordinary benefits under this part of this act, and that
deficiency has not been* made good at the time of her marriage, or where a
woman is in arrears at that time, such adjustments in the sums transferred to
the married women's suspense account, and in the balance of her transfer value.
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36 BULLETIN OF THE BUREAU OF LABOR.
and in the rates of benefit to which she is entit'ed under this section, shall be
made as the insurance commissioners may prescribe.
(13) Save as aforesaid, the provisions of this part of this act shall apply to
a woman who has been married, both during and after coverture, in lilje manner
as if she had never been married.
(14) This section shall apply in the case of a woman whose marriage has
been dissolved or annulled, or who has, for a period of not less than two years,
been actually separated from or deserted by her husband, as if her husband
had died at the date at which such dissolution or annulment took effect, or, as
the case may require, at the expiration of such period of two years.
Special provisions as to aHcns.
45. — (1) This part of this act shall apply to persons of the age of seventeen
or upwards at the date of entry into insurance who are not British subjects,
subject to the following modifications :
(a) No such person shall be qualified to become a member of an approved
society for the purposes of this part of this act, except upon the
terms and subject to the conditions hereinafter mentioned ;
(&) No part of the benefits to which such persons may become entitled shall
be paid out of moneys provided by Parliament ;
(c) The rate of siclsness, disablement, and maternity benefit shall, as
respects a deposit contributor, be reduced, in the case of men, to seven-
ninths, or in the case of women to three-quarters, of the rate to
which they wou'd otherwise be entitled under this part of this act;
(4) No part of the sums payable in respect of such persons for medical
benefit and sanatorium benefit or toward the expenses of adminis-
tration of benefits shall, in the case of such persons, be paid out of
moneys provided by Parliament.
(2) Where such a person becomes a member of an approved society the fol-
lowing provisions shall have effect :
(i) The contributions payable by or in respect of such person shall be
credited to the society ;
(ii) The society shall in each year pay to the Insurance committee the
whole of the sums payab'e in respect of such person for medical
benefit and sanatorium benefit;
(ill) The rate and conditions of sickness benefit, and disablement benefit,
and maternity benefit shall be such as may be determined by the
society ;
(iv) Such person shall not be deemed to have joined an approved society
for the purposes of the provisions of this part of this act relating
to reserve values, and no part of the contributions of such person
shall be retained by the insurance commissioners towards the dis-
charge of their liabilities in respect of reserve values.
(3) A woman who, having been a British subject before marriage, has ceased
to be a British subject by reason of marriage with a person not being a British
subject, shall not be subject to the provisions of this section if her husband is
dead, or the marriage has been dissolved or annulled, or she has for a period
of not less than two years been actually separated from or deserted by her
husband.
(4) This section shall not apply to any person who, on the fourth day of
May nineteen hundred and eleven, was a member of a society which, or a fiei>
arate section of which, becomes an approved society, and had then been resident
in the United Kingdom for five years or upwards, or to any person who is
transferred to an approved society or the post-oflice fund in pursuance of an
arrangement with the Government of any foreign State.
f^pecial provimons with regard to persons in the naval and military service of
the Crown.
46. — (1) For the purpose of providing seamen, marines, and soldiers with
such benefits during their term of service and after their return to civil life as
are hereinafter in this section mentioned, there shall be deducted from the pay
of every seaman and marine within the meaning of the Naval and Marine Pay
and Pensions Act, 1865,* and of every soldier of the regular forces (other than
> 28 and 29 Vict, c. 73.
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BKITISH NATIONAL INSUBANCE ACT, 1911. 37
soldiers of His Majesty's Indian Forces, the Royal Malta Artillery, and native
soldiers of any regiment raised outside tlie United Kingdom), tbe sum of one
penny halfpenny [3 cents] a weeli, and there shall be contriboted by the Ad-
miralty and the Army Couuicll respectively, out of moneys provided by Parlia-
ment for navy and army services, In respect of every such seaman, marine, and
soldier who has joined an approved society In the manner hereafter mentioned,
the sum of one penny halfi)enny [3 cents] per week, and, in respect of every
other saeh seaman, marine, and soldier, such sum per week as may be pre-
scribed:
rrovided that no such deduction shall be made from the pay of a seaman,
marine, or soldier who has completed the period of his first engagement and
has reengaged for pension unless he so elects within the prescribed time, and
that no contribution shall be made by the Admiralty or Army Council in respect
cf any we^ in respect of which such a deduction is not made.
(2) A seaman, marine, or soldier—;
(a) who was at the date of his entry or enlistment an insured person and
had joined and was at that date a member of an approved society; or
(5) who within six months from the date of his entry or enlistment, or,
in the case of a seaman, marine, or soldier serving at the commence-
ment of this act, within six months after the commencement of this
act, or within such longer period as may be prescribed, joins an
approved society for the purposes of this part of this act ;
shall, for the purposes of this part of this act, be treated as if he were an
employed contributor, subject, until his discharge, to the following modifications:
(I) The employed rate shall be three pence [G cents], and the deductions
made from his pay and the contributions made in respect of him by
the Admiralty or Army Council shall be treated as the contributions
paid in resi)oct of him ;
(ii) He shall not be entitled to medical benefit, sanatorium benefit, sickness
benefit, or disablement benefit;
(ill) Maternity benefit shall be payable, notwithstanding that both he and
his wife are resident outside the United Kingdom at the date of the
confinement, and the society may arrange with the Admiralty or
Army Council for the administration of the benefit through the
Admiralty or Army Council;
(iv) The sum to be retained out of each weekly contribution by the Insur-
ance commissioners toward the discharge of their liabilities in
respect of reserve values shall be one penny [2 cents], and the
remaining five-ninths of a penny [1.1 cents] shall be paid out of the
Navy and Army Insurance Fund hereinafter constituted.
(3) With respect to seamen, marines, and soldiers who have not joined an
approved society as aforesaid, the following provisions shall have effect:
(a) The sums so deducted and the contributions so made as aforesaid In
respect of such men shall be paid into the national health Insurance
fund, and out of such sums there shall be retained by the Insurance
commissioners towards discharging their liabilities In respect of the
reserve values created under this part of this act the like amount
as If such men were members of approved societies, and the balance
shall be credited to a special fund to be called the Navy and Army
Insurance Fund :
(6) There shall also be paid into the Navy and Army Insurance Fund in
each year out of moneys provided by Parliament a sum equal to
two-ninths of the amount, calculated In the prescribed manner, which
would have been payable In that year In respect of medical, Siina-
torlum, sickness, and dlsa^ement benefits (Including expenses of
administration) had all seamen, marines, and soldiers from whose
pay deductions are made under this section been members of ap-
proved societies and entitled to such benefits as employed con-
tributors :
(c) The weekly contributions to be made by the Admiralty and Army
Council in respect of such men shall be such as may from time to
time be required to keep the Navy and Army Insurance Fund solvent :
id) If any such man was at the date of his entry or enlistment a deposit
contributor, he shall, for the purpose of dealings with the sum stand-
ing to his credit In the post-oflSce fund, be treated as If the Navy and
Army Insurance Fund had been an approved society, and he had at
the date of his entry or enlistment become a member of that society :
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88 BULLETIN OP THE BUREAU OF LABOR.
(c) In the case of a seaniim, niariue, or soldier serving at the eommeuce-
meut of this act, there shall be credited to the Navy and Army Insur-
ance Fund such reserve value as would have been credited to au
approved society had he at that date become a member of the society
as an emi)loyed contributor: Provided, That no such reserve value
shall be credited to that fund If at the date aforesaid he had com-
pleted the period of his first engagement and had reengaged for pen-
sion, unless he elects to have deductions made from his pay, or unless,
not having so elected, he becomes on discharge entitled to benefits
payable out of that fund as hereinafter mentioned:
(/) Every such man shall, until discharged, be entitled to maternity bene-
fit payable out of the Navy and Army Insurance Fund, and shall be
entitled to such benefit, notwithstanding that both he and his wife
are at the date of the confinement resident outside the United King-
dom, and the benefit shall be administered by the Admiralty and
Army Council either directly or through Insurance committees :
(g) On the discharge of a seaman, marine, or soldier, from whose pay