92 TRANSACTIONS OF THE CANADIAN INSTITUTE. [Vou. VIII. 
$0.72, being:—For sick benefits $0.64; funeral benefits $0.21; expenses 
$0.15. 
The full table I have calculated is as follows :— 
MONTHLY PAYMENTS. 
For Sick Benefits | for Funeral Bene- 
of $4 a week for fits of $100 at S 
first 6 mos.; $3 death of hus- |./xpenses of Total. 
Ages at Entry. for second 6mos.; band: $50 at Management. 
$2.50 for remain- aeathwokmwite 
der of life. i 
PSNEO 220 irsee owe aes epee eens $0.46 $0.15 $0.15 $0.76 
DDE cul DAV Lie dieic pelt rob eseelereneks 0.55 Oy, 107) 0.15 0.87 
DIAN AZO. Ray ieU A sigan BAe, one 0.64 0.20 Ours 0.99 
BO People cise Pipes one 0.74 On25 0.15 .14 
Bis PAD ete edeiouoernie cheseisterets 0.87 0.30 0.15 1.32 
AO) eA otates etegera eaters ee Og 0.35 ORES Tes 
ARE MSO) iowiestenere aa steele c 12.22 0.40 fe) 
15 Leya 
With malingering closely watched, I think these rates would suffice. 
In England the experience given by Neison is :—‘‘Taking an average society, 
with a normal admission of new members, in the course of five years nearly 
one half of the members may at one time or another be expected to make 
a claim upon the sick fund, whilst during the period about 5 per cent. 
of them will die.’ I quote this to show how constant and serious the 
claims of both kinds are. 
I have personally felt, though only to a slight extent, the sting inflicted 
by the failure of one life assurance company; I have known of distressing 
cases in connection with the increase of assessments made by another; 
the responsibility of accepting too low a scale of premiums is very great 
and I hope these few calculations, which I could supplement to any extent, 
for I have been interested in the laws of sickness for a very long time, may 
do good both to existing and projected societies. If we are to have work- 
men’s insurance, let it be as cheap as facts will warrant, but let it be sound. 
Some rely on lapses—that is, policies discontinued—to restore the 
financial balance, but it is a weak reliance. Lapses do not benefit any class 
of life insurance company, under ordinary circumstances, and least of all 
a sick benefit society, for those who fear illness are sure to retain their mem- 
bership, and the best blood of each society is that which lets insurance and 
sick benefits go. Though the strongest should reflect that accidents, such 
as are met with in travelling, on foot, or by rail, or fractures of limbs in 
following trades, also these arising from disease germs which are met one 
hardly knows where, being carried in the money we earn, the milk or the 
water we drink, or the kiss we receive, do not occur to the weak alone. 
