Friendly Societies, State Action, and the Poor-law. 1G9 
of a term not less than seven, nor more than twenty-one years. 
They are but little known, but they afford an excellent means of 
securing a sum for outfit, marriage, apprenticeship, purchase 
of a cow, »&c. I have known a cottage bought with the endow- 
ment. They are preferable to deposits in the savings-banks. 
It is unnecessary to refer at length to the rules and regulations 
required for the management and administration of the above- 
named insurances, which the reader will find already recorded 
in the pages of this ' Journal.'* The conditions, however, 
relating to the sickness-pay and burial-money must again be 
stated, and the objections against the proposal to grant sickness- 
pay carefully considered. 
The following rates are sufficiently high for securing the 
soundness of the sickness-pay and burial-money branch, good 
and efficient administration being obtained. For males 
25 years old and under, sickness-pay till 70 and burial-money ; 
and for males between the ages of 25 and 35 years : — 
Payment per Month. 
Class. 
Sickness Pay 
per Week. 
Burial 
Age 16 to 26 
inclusive. 
Age -a to 35 
inclusive. 
Wuney. 
s. d. 
s. d. 
s. d. 
£ s. d. 
1 
0 8 
0 10 
4 0 
5 0 0 
2 
1 0 
1 4 
6 0 
5 0 0 
3 
1 4 
1 9 
8 0 
6 0 0 
4 
1 8 
2 2 
10 0 
8 0 0 
5 
2 0 
2 7 
12 0 
10 0 0 
6 
2 3 
2 11 
14 0 
10 0 0 
7 
2 7 
3 4 
16 0 
12 0 0 
8 
2 10 
3 8 
18 0 
12 0 0 
Example : A, aged 25, insures for 5tli Class, viz. 12s. a week 
sickness-pay, and 10/. at death. For this he will pay 2s. 
a month, or IZ. 4s. a year. 
B has turned 26, and will pay for the same benefit '2s. Id. 
a month, or 1/. lis. a year. 
The tables published by the Post-Office do not offer old-age 
pay commencing at 70 years of age, but there could be no great 
difficulty in obtaining such benefits. Referring, therefore, to 
the table already published by me, I will merely take an 
example or two. 
A, aged 25, insures for 5s. a week at 70, when his sickness- 
pay is to cease, and all contributions for benefits are also to 
determine. For this he must pay IQd. a month, or 10s. a year. 
* See vol. viii. part 1, "Post-Office Insurances for Labourers." 
