Insured Chapter VII - What the Insured person under the National Insurance Act
must provide himself with a Contribution Card, so that contributions can
be paid by means of Health Insurance stamps. He must present the card to
his employer when the latter asks for it. As soon as the period covered
by the card has elapsed, he must, after signing- it in the
proper place, hand it over to his Society. If he is not a member of an
Approved Society, he must hand it in at any Post Office.
handing in his first contribution card, he should receive an Insurance
Book bearing the name of the Approved Society and the member’s number,
and his name, address, nationality, and occupation. In the space
provided in the second page of the cover, the insured person must sign
his name immediately on receiving the book. The book will show the
number of contributions paid by means of stamps on the contribution card
which he has surrendered. He should see that the number is correctly
entered and the entry initialled on behalf of the Society.
his card for any period is not fully stamped, he may complete the
stamping himself. There may be blanks because he has been out of work.
If he has been out of work because of illness, his Society will not
count arrears against him for that period. If, however, he has not been
ill but has been merely unemployed, arrears will be counted unless he
stamps his card himself. He need only stamp the card with a stamp of the
value of his own contribution, i.e., in most cases Id.
employer is bound to return to the insured person any card in his
possession (a) when the man leaves his employment; (b) when the period
covered by the card is up, or within six days thereafter; and (c) within
forty-eight hours after the insured person requests it.
an insured person leaves an employment, he must ask his employer for the
return of his card.
(2) JOINING A SOCIETY.
insured person should join an Approved Society. If he does not join a
Society, he cannot get more in benefits than the value of his
contributions, plus the contribution of the State.
list of Approved Societies can be consulted at any Post Office. To join
a Society he must fill up an Application Form which will be supplied by
the Agent or Secretary of the Society or Branch he proposes to join.
must be careful to state on this form only what is strictly accurate, as
the Application forms the basis of the contract between him and the
Society. A few days after filling up the Form and handing it in, he
should, if he has received no intimation on the subject, ascertain
whether the Society has accepted or rejected his application. If
rejected, he should try another Society.
should take a note of the name of his Society, the name and address of
the Secretary, and, if he has joined through a Branch, the name and
address of the Branch and its Secretary. If he has joined through an
Agent, he should note the name and address of the Agent, and also the
address of the local office of the Society. He should keep a note of his
number in the Society. This is given in the Insurance Book, which
should, of course, be always carefully preserved. In communicating with
his Society on any question he should always quote his number. He should
get a copy of the rules of the Society, and make himself acquainted with
his rights and duties under them.
eet medical attendance and treatment he should choose a doctor. A list
of doctors on the panel may be consulted at any Post Office. He must
fill up a form applying for the doctor of his choice. This form may be
obtained from almost every chemist, or from the doctor himself. Officers
of Customs and Excise and in some cases also the Approved Society can
supply the forms. If the doctor accepts him, he will be on his list
until the end of the current medical year. Towards the end of that time
he will have an opportunity of changing to another doctor if he desires.
Change of residence from
one Insurance Committee area to another.
insured person goes from one Insurance Committee area to another, i.e.,
from one large town to another, or from one county to another, he must
take steps to provide himself with medical benefit in the district to
-v\hich he goes. He must write a letter or a postcard to the Clerk to
the Insurance Committee of the area where he goes to reside, and ask
that arrangements be made to provide him with medical benefit.
Address of Clerk to
can ascertain the address of the Clerk to the Insurance Committee by
inquiry at any Post Office. In writing to the Clerk he must state his
full name and address, the full name and address of his Society, the
address at which he formerly resided, and he must forward his medical
Change of residence
within an Insurance Committee Area.
removes from one part of a town to another, or if he removes from one
part of a county to another, remaining in the same Insurance Committee
area, he can obtain a transfer from the list of his present doctor to
the list of another doctor more conveniently situated to his new
address. To do this, he must write, as before, to the Clerk to the
Insurance Committee, giving full particulars and forwarding his medical
Complaints about medical
attendance and treatment.
insured person has any complaint to make with reference to his treatment
by his doctor, he should write to the Clerk to the Insurance Committee,
who will enquire into the matter. As before, he must be particular to
give full information in regard to himself and his complaint.
(4) SANATORIUM BENEFIT.
the insured person is suffering from consumption, he can apply for
sanatorium benefit. This application must be made to the Clerk to the
Insurance Committee of the area where he resides, and a form for the
purpose may be obtained at the Insurance Committee office.
(5) SICKNESS BENEFIT.
qualified for sickness benefit an insured person must have been insured
for twenty-six weeks, and have at least twenty-six weekly contributions
paid. Before he can get sickness benefit he must be totally
incapacitated from work, and he must be able to prove to his Society
that he is totally incapacitated.
Procedure for claiming sickness benefit.
must make a formal claim in writing on a Declaring-on-Form, which the
Secretary or Agent of his Society will give him. This form must be
carefully filled up and handed in together with a medical certificate
obtained from his doctor. The form of Declaring--on Note will usually be
something- like the following :—
Name of Society
hereby declare that 1 am now again capable of work, and declare off the
funds of the Society. 1 also declare that I remained incapable of work
[and claim benefit in accordance with the Society’s rules for the days
that have elapsed since 1 last received benefit].
have not received any compensation or damages in respect of this
Signature of Member....................................
Points to be
That he is not entitled to sickness benefit unless his illness exceeds
That the Society will require a certificate to cover the three waiting
days for which he does not get payment.
That further certificates of continued incapacity will be required.
That when in receipt of sickness benefit he must observe the rule of his
Society relating to conduct during sickness. This rule will provide that
he must not be out of doors after certain hours, and, in addition to
other matters, that he must obey the instructions of the doctor
That if the rules are not observed, the Society may impose penalties in
the shape of fines.
There are other conditions laid down in the rules with regard to
sickness benefit with which he should make himself acquainted.
(6) MATERNITY BENEFIT.
compulsorily insured but not the wife.
man who is compulsorily insured is married, he will get a maternity
benefit payment of 30s. on the confinement of his wife, if he has been
twenty-six weeks insured and twenty-six weekly contributions have been
paid. He must satisfy the Society that the claim is good. He must, if
required, prove by the production of a marriage certificate, or
otherwise, that the woman is his wife, and that the confinement has
taken place. He must fill up the form of claim to be obtained from his
Society Secretary or Agent, and he must get the signatures required on
the form from the doctor or the nurse who attends the confinement.
Society need not pay him the whole of the 30s. It may engage the doctor
or the nurse and pay the necessary fees. The balance may be handed over
to the insured person in cash, or the Society might dispose of it in the
provision of food or other necessaries for the mother and child.
compulsorily insured but not the husband.
wife in this case is entitled to two payments of 30s., if she has been
insured for twenty-six weeks, and twenty-six weekly contributions have
been paid. She must not, however, go out to work for wages for at least
four weeks after confinement.
the man must claim maternity benefit from his Society and the woman will
also claim maternity benefit from her Society, and must abstain from
working for wages for at least four weeks after confinement.
Careful note must be made of the provisions of the Amending Act with
regard to maternity benefit.
Arrears, if allowed to accumulate, will affect benefits. The insured
person should therefore do his utmost to keep his contributions as much
up-to-date as possible in spite of periods of unemployment. While
unemployed he need only pay his own share of the contributions. In order
to qualify for sickness and disablement benefit, he should remember that
twenty-six contributions are required for the first and a hundred and
four contributions for the second. It is very much in his interest,
therefore, to get these contributions paid at the earliest possible
(8) EXCESSIVE SICKNESS
DEFICITS IN SOCIETIES.
member of a Society should remember that he has a personal interest in
saving and safeguarding the funds of the Society. If the claims are too
heavy, the Society may not be able, after a valuation, to go on paying
full benefits, i.e., it may have a deficit. It should be noted that a
man who leaves a Society in deficit carries a proportion of the deficit
with him, and will be subject to the same reduction of benefit as would
have applied had he remained in his old Society. The State does not make
good the deficit of any Society.
(9) INSURED PERSON IN
the insured person is in hospital he does not get a direct payment of
benefit. If he has any persons dependent on his earnings his Society
must pay or apply the benefit to relieve or maintain them. If he has no
dependants and is getting sanatorium benefit, the amount of the benefit
will go to the Insurance Committee If he has no dependants and the
Society has agreed with the hospital or other institution, the amount
may be paid to the hospital towards his maintenance therein. Any balance
remaining will go to the insured person, after leaving the institution,
(10) CHANGES OF
insured person changes his residence, he must inform" his Society and
make the necessary alterations on his Contribution Card and Insurance
Book. What he must do in regard to medical benefit is noted above.
goes abroad permanently, it is only if he has been a deposit contributor
that he will be entitled to any refund of his contributions. He should,
however, certainly keep in touch with his Society at home, as
arrangements may be made whereby he may benefit by his insurance in this
Deposit Insurance to Approved Society.
that is required here is to get filled up the necessary form for joining
the Society. The Society will take steps to arrange the transfer from
the deposit contributors’ class.
(b) From one
Society to another.
Society which lie wants to join will give him an application form. When
this has been filled up he will get in exchange a form agreeing to
accept him as a member, if the old Society agrees to his withdrawal. The
new Society will also give him a form asking the old Society to give its
consent. He must fill up and forward this form to his old Society and
await a reply. His old Society is entitled, on reasonable grounds, to
withhold consent to his withdrawal. If he is told that consent is given,
his transfer will be arranged between
two Societies. If the old Society refuses to consent to his withdrawal,
he will remain a member of that Society. He may, however, refuse to
accept the decision of the old Society and appeal from it in accordance
with the Society’s rules as to disputes. He can bring this appeal in the
last instance to the Commissioners. .
(13) BIRTH CERTIFICATES
AND MARRIAGE CERTIFICATES.
can be obtained cheaply, where they are required for the purposes of the
National Insurance Act, the former for Gd., and the latter for Is.
Application should be made .at the nearest office of the Registrar of
Births, Marriages and Deaths.
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