1899-1900. VICTORIA. - Parliament of Victoria · 1899-1900. VICTORIA. ... the Sick and Funeral...
130
1899-1900. VICTORIA. 'I'WENTY- FIRSr-r ANNUAL REPO ltT ON FRIENDLY SOCIETIES. REPORT OF THE ACTUARY FOH FRIENDLY SOCIETIES PO H T1IJ1.] YEAR 1808, TO WHICH ARE APPhNDED TRE VALUATIONS, CONTIUBlJTIONS AND BENEFITS, STATISTICS OF FRIENDLY SOCIETIES, ETC. -- l'REt<El\TED TO llOTH HOUI:SES OF TO ACT 5·1 VICT. No. 1094, !SECTION 10. »u ia utbotil!l : ROBT, S, BRAIN, GOVERNl\lENT PRINTJ<:R, MELBOURNE. No. :W.-[31!. 3d.]-4666.
Transcript of 1899-1900. VICTORIA. - Parliament of Victoria · 1899-1900. VICTORIA. ... the Sick and Funeral...
1899-1900.
VICTORIA.
'I'WENTY-FIRSr-r ANNUAL REPO ltT
ON
FRIENDLY SOCIETIES.
REPORT OF THE ACTUARY FOH FRIENDLY SOCIETIES
PO H T1IJ1.] YEAR 1808,
TO WHICH ARE APPhNDED TRE
VALUATIONS, CONTIUBlJTIONS AND BENEFITS, STATISTICS OF
FRIENDLY SOCIETIES, ETC.
------~--~-- --
l'REt<El\TED TO llOTH HOUI:SES OF PARLIAME~T l'UH~lJANT TO ACT 5·1 VICT. No. 1094, !SECTION 10.
»u ia utbotil!l : ROBT, S, BRAIN, GOVERNl\lENT PRINTJ<:R, MELBOURNE.
No. :W.-[31!. 3d.]-4666.
PrQparation-Not given. Printing (1,960 copies)
APPROXntATE COST OF REPORT.
165 0 0
CONTENTS.
CoNTENl'S OF THE TwENTY-TWO ANNUAL RIIFOJ:T~, 1876-97
THE l'outt QurNQUE.'<NIAL VALUATIONS, PERIOD AND DATE Ol•' CmrPT,ETION
'filE QVJNQI:m>NL\T, V AT.UATTON°, Tlll' YE.Ut OF Tl!i: AN:ITAL HEPORT WIIEl!E!N EACH I" CONl'AINEil
f.X!'T,ANAT!ON OF INITIALS U~ED IN THE HEI'OHT
HEI'ORT-
Proccedings rlm·ing the Y er~,r Actuarial Fees received, 1882-98 Valuations (}uring 18~8
The Condition amll'rogress of Friendly Societies in 1898--Hocict.ies, Branches, Members, Initir~,tions, Exclusions, Effectiveness, Conti·il.mtions, Interest Hick Pay, Funeral Claims, Medical Aid, Management ... Excess of Receipts over E:qwndilurc, Capital Investments, Hate of Interest, Experience of Sickness ancl Mortality
Societies of Temalcs Duration of Hickncss under lowest UatP of Sick I'ay Numerical and .Financial Progress, 1878-gs Dates of fumishing the Friendly Societies' Heturns for 1808 ~Iisappropriatiou of Sick and Funeral Funds, 1894 to l89S .Friendly Societies in the several Austmlasian Colonies
APPENDICES-
APPENDIX A-
Fourth quinquennial Valuation of the I.O.O.F. Fourth Quinquennial Valuation of the U,A.O.D. Fourth Quinquennial Valuation of the Melbourne District, St.P.S. Ueport of Actuary on J>oJice Widows and Orphans' Association M. UI O.O.F., I 899-Amendment of Hules Second Quinquennial Valuation of the M.T.B.S. Table of Deferred Annuity Fourth Quimp1cnnial Valuation of the Ticudigo District, A.O.t'. Heport of Actuary on Widows and Orphans' Fund of the Beudigo District, A.O.l'. Fourth Qt1inquenuial Valuation of the O.St. A.S.C .... Fourth Quinquennial Valuation of the Geelong and Western District, A.O.F. Fourth Quinquennial Valuation of the l'.A.F.S. Fourtll Quinquennial Valuation of the Ballarat District, A.O.J!'.
APPENDIX B-Contributions paid for Benefits in all the flocietie8, and distinguished as adeq1mtc or not adequate
APPE1'DIX C.-HmmARY TAULES-
Snmmary of Detailed Tables of eadt 1-'oeicty and District for the Year 1898, and of each Society for the Years 18~7 and 189G-
Table
" " " " "
I. Societies, Branchc~, ancl1Icmbers IL Hect'ipts, Expenditure, and Funds of the Sick and :Funeral 'Fund
IIL Heceipts, Expenditure, anrl Funds of the Medical and Management Fund IV. Investment of the Sick and Funeral Fund V. Investment of the ::liedical ttnd }fanagemcnt Fund
VI. Experience VII. Sickness under l'nll and Reduced Hates of Sick Pay
l{eceipts, Expenditure, and Funds in 1898 of Societies not included in preceding Tables (Table VIII.) Agg~·egate Figures for each of the Twenty-one Years, 1878-98-
'fable IX. Societies, Branches, and Members , X. Receipts, Expenditure, and Funds , XL Investments , XII. Experience
Summary of the Funds of nil the Societies in l8!Jit (Table XIII.)
AZ
rAm!
iv
V
y
vi
Yii vii vii
ix X
X
xi xii xii xiii xiv xvi xvii
2 12 21
24 37 4:! 44
44
.00 52 56 60 64
69
!12
9()
lOO 104 lOS
Ill
112 112 113 11:3
ll8
iv
THE CONTEN11S OF THE TWENTY-TWO ANNUAL REPORTS, 1876-97.
SDfMARY AND DETAILED TABLgs EXCJ~PTBD.
Year. Compendium of Contents.
1876 l\fembers, Sickness, Deaths, and Causes of Death, at Quinquennial Ages, 1876 (pp. 4, 5). 1877 Specimen of~Canl (p. vii); He turn A -}'unds, Receipts. I<;xpcnditure; Re; turn B-Sickness, l\Iortnlity, &c.,
(pp. viii, ix); Valuation of a Friendly ~oeicty (JL xi); Hrtt<·s of HickJwss rtllil ~lortality, and Disbursements thcrefor, 18io, in Victorian Fricn<lly Hocicties al Quinquennial Age-peno<ls; t'ickness and :Mortality in Victoria and England compared (p. xiii).
1878 J\Iisappropriation of Sick and Funeral l'unds to the incidental Jruud (p. xi). 1879 l'arliamentar!JI'aper, No. '7: Sick Unions (p. 7); Forms of Accounts, Balance-sheets, and Valuations; Instruc-
tions aPd l<'ces to Public Valuers and Auditors (pp. ~-17); Valuation Tables at 4 per cent., with explanatory observations by the Actuary (p. 17); l'arl,:arnentary Paper, 1Yo. 82: Opinions of Counsel (ill. C.I.O.O.P Trustees must invest t'och:ty's motH')' to hest advantage, L0dgc debt to Sick and Funeral Fund must repaid (p. viii); Hickness and Mortality of :.\1inen, hy :.\fr. T. Angove (p. xiii).
1880 Specimen of Valuation Forms (with explanatory observations by the Actnary), Accounts, Night-hook (pp. x, xxi); Fees for Valuations (p. xviii); Sickness and Mortality of "\liners, by i\lr. T. Angove (p. xviii).
1881 Memorandum on English Valnations, by ~lr. J. l\L Lndlow, Chief Registrar (p. viii); Opinion of Connsel (:\I.U.I.O.O.F.)-il'iisapplicat.ion of lnt.crest (p. ix); Explanatory Ob;;c:nations on the Valuations by the Actuary (p. xix).
1882 Hcmarks on First Valuntion of M.U.I.O.O.F., the capital must increase as qniekly as the net liability (pp. viii, lv); Valnahle \Yorks on Friendly 8ocieties (p. ix); lkn~fits a11d Contributions (pp. ix and lxxii); Ballarat Dist.rict, M.U.I.O.O.F., 011 how to rc;Im·d.v DefieiencieH of Lodges Siek Unions (p. xii); Inequity of equal funeral h"·y systc·m (p. xiv); Hoyal Commission on Friendly in .\.S. W. (p. xvi); Yalmttions in X.Z., Working of a ~ickness Assnnmcc Fnll(l, by ~Ir. H. P. Hardy (p. xix); The gain ttnd loss from discontinmmccs (p. Judicious lnvc•stmcnt of l'umh (p. lxYiii); Mrn'tality of Wirlows (p. lxix); Valnation Table' at~ to per cent., with explanatory obsenations by the "\dnary (p. xc); Contributions payable quarterly (p. ci); :.\f.U. Hiekncss Expc•ricnce, Engbml, 184ri-R, Hl5G-GO, 1806-iO (p. ciii); Lhtbility and Contributions at Interest Hates, 0 and 3 to 5~ per cc·nt .. (p. eviii).
1883 English l'riendly Focicties and :\Iemorandum on the Valuations by the "\etuary, i\fr. W. Snlton (p. xi); Heport of English A.U.F. (p. xiv); Equitable Sick and J?uucral .Levies (p. xliii).
1884 Sickness, Mortality, !W<l Withtlmwals in 1-I.U.I.O.O.F. a!ld A.O.:F., ]~Jigland (p. xi); Opinions of Counsel (M.U.I.O.O.l<'.)-Illcgalit.y of voting money for Entertaining Deputies an<l of Levy for Almshouses (p. xv); Actuarial J<'ees for Valuations, Certi1lcates, and l'repamtion of Tables (p. xxxv) ; cSortnlity and Sickness of Miners (p. xxxix).
1885 Sickness, Mortality, and Withdrawals in 1LUJ.O.O.F. and A.O.F., England (p. xiv); Tabular Summary of First quinquennial Valuation, factors taken into account therein, and Societies compared in respect thereto (p. viii); Societies which have and have not increased Members' Contrilmtions (p. xvi); Decision of Supreme Court (G.U.O.F.G.)- Hot.ham Loclge (p. xvii); Division of Graduated Contributions (p. xix); Hickness nf Female Members (p. 7 ).
1886 Roeietiee which have and have not increased Members' Contributions (p. xii); Division of Graduated Contributions (p. xv); Canon Blaekley's Scheme of National Provident Assurance (p. xvi); Accumulation of money at interest (p. 41 ).
188i Societies which have not increased Members' Contributions (p. x); Benefits !tnd Contributions (pp, xi, 54); Decision of Supreme Court (M.U.I.O.O.F.)-Falconer v. vYeedow (p. xi); Societies in other Australasian Colonies (p. xxiii); Aecunmlation of money at interest (p. 53).
1888 Societies whieh have and have not increased Members' Contributions (p. x) ; Benefits and Contributions (pp. xi, 48); Friendly Soeieheg in the several A nstralasian Colonies (p. xxiii); Adequate Graduated Contributions properly divid(•d (p. I 0); Inequity of equal Funeral Le'ries (p. 22),
1889 Tabular Summary and Report on Second quinqnermial Valuation (pp. viii-xxiv); Contributions for same henefits in M. t:. and A.O.F., England, Societies in Kew Zealand, and in ~\.!\.A. and A.O.F., Melbourne Distriet, Vietoria (p. xvii); Experience of J\LU., A.O.F., and I.O.H., England (p. xx); ~ocietie' which ha,·e and have not increased l\Tetn bers' Contributions (p. xxiv); Privileges of Hegistered and Disabilities of Unregistered Friendly Societies (p. xxv).
1890 Medical Benefits and Contributions per Contributing Member (p. xii); Hesults of First and ~econd Valuations of all the Societies compared (p. xiv); Scales of Contributions and Bendits in Uw several Societies (p. xviii and Appen<lix A); Old Age l'ensious or Superannuation (p. xx); Suggestions to S<'cretaries when filling up the Annual Hetnrns (pp. xx-xxiii).
1891 Deeennial Experience of Friendly Hocielies-The i\LU.l.O.O.F., Vietoria, 1881-90-Explanat.ion of the metho<l employer! to collect dw cxpcrier.ee; Deec>nnial mtes of Mortality, Siekuess and Exclusions; Comparisor. of the Victorian nLL". r:ttl's of Mortality, Siclmess and Exclusions, with the Corresponding Rates in :English Societies on the basis of Proportional Distribution of Members (Appendix B).
1892 Numerical and Financial Progress of the Thirteen Largest Societies, 1878-92 and 1891-2 (p. xvi); Extent of the Friendly Society movement in the Colonies (p. xix).
1893 Membership and Funds in 1877, 189~ and 1893 of the Thirteen Largest Societies; Friendly Societies in the Australasian Colonies.
1894 'Memben;hip and .Funds of the Thirteen Largest Societies in 187i, 1893, and 1894 (p. xiv); Misappropriation of the Sick and Funeral Fnnds, correspondence tl!ercon (p. xvii) ; Friendly Societies in the Australasian Colonies (p. xix).
1895 Transfer from tl1e Government Statist to the Actuary for Friendly Societies of statutory duties under tlw Friendly 8ocierics Acts 1890, 1891, anu Trade Unions Act 1890 (p. Yii); )fisappropriation of Sick and Funeral Funds, with letter to offending Societies (p. xviii) ; Frienrlly Societies in the.A ustralasian Colonies (p. xix).
1896 Tabular Snmmary of Third Quinquennial Valuation (pp. vii-xiv); Causes ten<ling to aid or retard Progress (p. x); Manual of Health and Tempem!!ce, )fisnse of Sickness and :\[ortality Experience therein (pp. xiii, xiv); Sick Pay and Snperann•tation AlJOW}tnce in connexion with the !{oyal Commission on Old-Age Pensions, l89i (pp. xvii-xviii); Pros2eution inithted for dcf;mlt in forwarding Annual Helurns (pp. xxi, xxii); Benefits ;l!Hl Contributions, A, K, or ([, :vlcqllate, not !ldc·<jintc, or quite inn<l<•qn:tt,e (pp. xxiii, x-..:iY); ExtPnt of Friendly Society )[oYcmcnt in .\n•'\lralasiau Colctuieo (p. xxiY).
189i Act na,·iul Fees paid ~;<H:ictic:<, 1882~\li (p. Yii) ; l'oportionalc duration of :<iekness nn:lcr ettch rate of pay xii, i0-71); in all the 8ot:ietics, 1H\!8, <listingui,hell a' adequ:ttc, not ndcqnatc, and quite
(p. a+); }:xteut of the Friemlly ~ocieties ;\lon:mcnt in Austmlasitw Coionics (p. xv).
V
THE FOUR QUINQUENNIAL VALUATIONS: PERIOD AND DATE OF COMPLETION.
Firi:it Valnatiotl. S{'cond \"aluation. Third Yalun.ticm. Fourth Valuation.
Society. ;\,.; nt \Yhen ewl Society. Society.
As at end of·
A.O.F., Ct.
~IX.Lt}.O.I'.
t7.A.(l,D.
J' .. o.l·., )1. 1>.
C.F.Il.F
I'.ilf.ll,S.
A.O.F., P. Ji.
A.O. i··., 0. ~..: )[. P. , .
LO.IL
A.O.i:' .• Cl. Ft'lTdo~u
O.:<:r., Ykt. (:, ll.
A.i),;.;.
A.IJ.i'.,
A.O.F.,
A.X.A.
o.~::..~\., ;-;,c. O.St..\.
P.
.A.o.r .. 1~aiit. P. P. :---:., ~,,-. 11.
A.O.F., i.. _\;nl.Ci':_,f,
(~.l".O.o.:··.
O.S.T., P. ;-;, (;, D.
A.O.F., (;, D.
A.O.F .• W. n. O.S.T., :M. C. n. H. A. C. BX ..
t8R!.
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; '·'-"'
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~ \.d. F., 1'. P.
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7·+·~+ 5 tl,;•i.A .. :'.I'. .. !(\../.~+ ~ o.::....T. 1 YL·t. 1~. P.
~s.-+.slj o.~:1· .. :11. '·· ll. 9·5-s::+! o.:-:.T, H.;-_-;.:,~~- ll.
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:y.J.R(, H .. PX, (r. ,\ 1'·. D.
01-·
1 :~;)(,
>:~ First ralurttion.
+.lC.b·"l·\.0.1'., (;, IJ. .
;!.Tt.?lj~ } .. o.F., C· .. \r;unt.,
~ ALt'.LU.U.F.
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1fi'd r J. !2.95 :.\l.T.1U:;. I .•
1 F>r; :U.L9(} .\.O.F., Hcml. D.
t8y; ':F'- t.')(l ~~~: u).-:k.\., S.C.
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19.(J,95- U.i"'.T., Ji. ''· "·
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!1.8.96 o.>vr., .'L G. n. 16.9.9'' ,:_;{1LK
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I V7 \, 11.1' \\ p
;.2.97 .I.O.F., l't. (•.J,9i 1 f.~"i..C. R~.
1)•+·9}
t Second Valuation.
'+·5·97 , B95 o8. '. ·97
:S:;·i !'J,iJ,97
1~9·-.
1 S~/-1 9.1:::.97 ! f9{i l.j..I0.97
li) 4-98
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rs9r, e.3.99
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T8y(, 28.4.99
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!~~s 2LS.99
IR9R 25-9 99
:2.l.IO.':f9
18:;8 6. r ;.r/9
! ?98 22. Il 99
It\<;;S
The QuiXQUENNIAT. VALUATION!' arc eontninetl m the ANNUAl" REPORTS for the: YE.\HS following
:ll.l .l.O.(U'. \" >.
~o(·ie(\·.
\L o, ,\s::!. A·~:-:.
\\-. n1:d (J, Fn;:d Ill.
u ll.
PL
!] XI'
SevotHl Talnntion.
-t5 53 2i
l 11
55
51
!I
!3 28
125 117 t-z.8
Third Ya~l;.adou.
'+ s
27,
12
2!
Fourth \' alnation.
Page.
56
52 4+ 21
6n
A.N.A. ,., A.O.I<' .... C.C.C.A.S. C.M.P.S .. .. G.S.R.S ... . G.U.O.F.G. G.L.O.O.l!', H.A.C.D.S. I.N.F. I.O.O.F .... I.o.n.
. • J.C.A.S .... ::\LT.llS. M.U.LO.O.F. O.S.T. O.St.A .... O.St.A., S.C. P.A.F.S. St.P.S .... U.A.O.D.
V
J<)XPLANATION OF INITIALS USED IN TilE REPORT.
Aust.ralian Natin:s' Association. Ancient Order of :Foresters. Coal Creek Colliery AccidCJlt Society. Congregational Ministers' Provident Society. German Sick and Helief Society. Grand 'C'nited Order of Free Gardeners. Gro.nd United Order of Odd Fellows. Ilibernian-Australasian Catholic Benefit Society. Irish National Foresters. Independent Order of Odd Fellows. Independent Order of Rcehabites. Jumbunua Colliery Accident Society . Melbourne Tramway Benefit Society. :Manchester Unity Independent Order of Odd :Fellows. Order of Sons of Temperance. Order of St.. Am1rcw. Order of St. Andrew, Scottish Constitution. Protestant Alliance Friendly Society. St. Pntrick'A Society. United Ancient Order of Druids.
ANNUAL REPOR'fo
1. In accordance with the ]H'OVIswns of the I oth seetiou of the Friend( I} SoC'ielies Act 1890 (54 Vict. No. 1094), the Actuary for Friendly Societies submits to the Minister for presentntion to Parliament ~ Hcport of his proceedings and the principal matters transacted hy him in connexion with Friendly Societies, and of the Valuations thereof effected during the year I 898.
PtwcgEDINGS numNG TIIB YEAH I 898.
2. By tl1e Friendly Societies Acts of 1890,1891, nud I896, registered Societies are required to f{)l'wanl to the Actuary prior to tlJC Ist February in each year a general statement of their fumls, receipt;.;, and expenditure, termed "Retum A," togetlter with copies of their sub-annual balance-sheets, and a list of members, with the sickness, deaths, aml the like contingencies experienced during the year, termed "Return B." They are also required to take eertain prescribed steps to have periodic valnations of their liabilities and assets efiected at not less than five years' intervals.
J. These provisions entail upon this office the duty of sending out blank forms to the Chief Secretaries of the several Soeieties. closelv examining the returns of each branch on their rceeption, retnrniug Ruch as 'reqnir~ it for correction, and seeing generally that the Statute and their own laws have hcen duly complied vrith, as has been explaine<l at length in preceding Heports. ..~b the vahmtions nre proceeded with in the qniuqucnnia 1 gm ups in the ordt>r set l)y the first valuation, the staff is also fully occupied with the heavy amount of work necessarily cmmected therewith.
4· The total fees for actunria I scrYices collected duriug· I 89 8 were £2 7 r6s. 6d., Actuarhl
l 1 f ~· fees r88'-
am t tc sum o £3,257 ss. 4<1. (eqnal to £I9I I2S. rd. per annum on the avemge) 9s.' ~ vvas received during the seventeen years, I 882-98, ns shown in the following tahle :-
with
ACTUARIAL FEES HECEIVED FROli FRIENDLY SociETIES, I 88z TO 1898.
Year.
r881. 1883 1884 1ss5 r886 1887 1888 1889 1Sljo r8gr 1892 1893 1894 1s95 1896 1897 1898
••• i
... I
... I .... '
... I ::: I
Amount roceh•cd for--~-c.- __ , ~- I
Valuatioll!l. I Total Fees r·eceived,
1 Certifying to Preparing [
1 ~atcso!Contributio~s·j~~~les~f~~~~~:but~=i
£ s. d. £ s. d. £ s. d. £ s. d. 539 14 I 539 14 I
73 0 0 73 0 0 35 0 9 42 0 0 77 0 9 4 !6 4 I! 3 6 6 6 0 21, 5 10
I 73 18 6 6 II 6 32 3 0 212 I 3 0 3JI 9 Il 4l2 0 10 IO 0 346 I I II IZ.6 II 9 6 II 6 133 3 3 u8 3 3 I I 0 4 4 0 133 8 3 14 19 3 6 14 0 3 3 0 24 I6 3
zoo 13 7 9 Ig 6 210 13 I 451 1I 3 8 18 6 460 9 9 141 9 2 2 2 0 10 IO 0 154 I 2
4 17 2 9 19 6 14 16 8 76 17 5 12 1 6 5 5 0 94 3 II
300 9 9 10 10 0 JIO 19 9 408 19 1, 9 9 0 3 3 0 421 II 2
6 r6 6 2I 0 0 27 16 6
ro6 xo 0 138 4 0 3,2)7 5 4 --------- ·------~· ""-- --~-~-----~-~ -- ------------·---,
THE VALUATIONS DURING I 898.
5· The Fourth Quinquennial Valuation of the following Societies together Membo1·s
the second valuation of the M. T.B.S., is given in detail in Appendix' A to this nges. '
Vll1
Heport--thP f.().{ ).F., U.A.O.D.. .\telhourne DiRtrict, St.P.S., Bendig-o District, A (>.F., < ). .\., S.C., ! ;(~elong :md \Y(·stem Distrid, A.O. F., P.A. F.S., and the Ballarat Distriet, A.O.F. ; tl1e :--io<'ieties p1·evionc-<ly YahH·d for tit~' fourth time are the 1\J.U.U i.O.F., Comts Ararat aud I:uity, :\.O.F .. (;,lJ.( ).F.G., tlw Ovens nnd 1\lurra,y, iVIel hourue :md Portland Distriets, A.O. F., and tht· !.( UC, whereof certain particulars are ln·onght forward for pnrposeR of cmuparisou. The l'hange whieh has takeu plaee in the number of membt·rs and in their respedive ageB, taken ns n whole, is shown in the subjoined table :-
Ncl\IBER OI•' MEMBtws, WITH THEIR A VEHA<i I·: .\et~<:, \T THE l•'mn, 1-!J<:co:--;p, THIIW, AND PouitTH
VALUATIOr;s OF SoCIETIES, Foun TIMES VALUED,
Society,
M.U.I.O.O.F. Court ,\rarttt, A 0.1<'. Court A.O. !~. G. Oveusanil A.(i.F Melbourne Dt., Portland Dt., A.O.F. l.O.R. LO.O.F. ll.A.O.V. )ielhonrne Dt., HU'. ;-;, Ben<ligo Dt., A.O.Ji'. O.St.A., S.C. Geelong aud ·western Dt.,
A. o.'F. P.A.F.S. Ballarat Dt., A.O.F.
:Fh"l Valuation.
12,796 )I
209 6,273
472
5,21 I
3,So7 1,456
433 1,347
J22
284 775 452
MemberH.
Second Third Fomth Valuation. Valuation. Valuation.
--------
15,186 1 R,I72 17,828
+'.J +3 33 187 166 IZO
646 I 1222 1,ro6 379 3+4 329
8,223 9. 155 7,6+4 435 +69 371
5,716 8,11i2 8,JI3 4,711 6,341 s,r 11 5>939 7,824 6,130
5 35 637 4"7 ,, 1,169 924 713
308 270 171
314 347 299 1,145 1,242 980
442 287 r86
Average Age of Members.
Firt~t Stn:oud Valuation.
I \'aluat.lon.
~------
Years.
37 37~ 42~ 49~ 48+ 35J 38 39 40 40£ 38t 42 41 44': 49! 34! 35~ 33! 37~ 33~ 37:t 39l 39 Hr 42 44~ 49¥ 45~ 47:!l 54l
37it 39 43 35~ 38! nr 54it
------ --- --
Experience; 6. The relation of the liabilitie~ to the assets of a society is materially :~i~~~~.:i." afteeted h.v the actual rates of sickness, mortality, and e:xdusions prevailing among
the members in eomparison with the expected rates a.ceordiag to the ~htndard table and the age-distrilmtion of the membership. The result of such a eomparison m respect to the above Societies is contained in the table following :-
QuiNQl'F:NNIAL ExPERI ~:NeE oF SicKNESs, MOR'I'ALITY AND ExcLcSIOKS GREATER ( +) oR LEss (-) PER CENT. THAN THAT QF THE M.U.l.O.O.F., ENGLAND, !866-jo, AT EACH VALUATION OF
SoCIETIES FouR 'fnms VALUED.
Society.
M.U.I.O.O.F. Conrt Amrat, A.O.F ... . Court T"nity, A.O.F ... . G.U.O.F.G Ovens and Mnrray District, A.O.l<'. Melbourne District, A.O. F. Portla.1d District, A.O.F. I.O.R. 1.0.0.}'. IT.A.O.D. .. :7\
ix
7. The follmving- table contains <'OI1lJHHisons of the financial position at the four quinquennial vn.luatiouR of the ahon·-mentimw<l So<·ieties on the hnsi,.; of the value of th0 eoutrihutions and eapital relativC>ly to the liahilities :-
Cm<THmrTJON YALcg, AND Asswr,; PI:of'ORTIO:-<ATELY To EACH PouNn OF Lut:JLITIER AT
r,ACH VALUATlO~ oF SocmTIES Fm:m TrMES VALUED.
Yahte of Contributions per JI. Capital per £. Assets per £.
Nodety.
d. ~f.U.I.O.O.F. 10 IO 0 3 7 7 9 Court Amrat, A.O.F .... 9 4 9 + 7 5 3 9 o. IZ I I I I 7 0 4 21 24 5 Court A.O.F. 9 7 7 II 6 9' 5 10 9 8 I" s' 12 3. 17 ' 19 7 19 0 22 10
G.U.O.F . . . ' . ' 9 5 10 I') 11 ~: 10 I 2 7 .4 0 3 I~ I 4 4 I~ 0 14 IO \15 7 I4 5 Ovens & l\furray District, A.O F. 9 IO 9 7 9 2' 9 I 6 7 8 ) 7 15 1I 16 10 Ij 7 J6 6 Melbourne District. A.O. F. 9 I 9 10 IO 8 10 4 4 5. 4· 8 5 0 13 9 14 3114 11 I 3 10
Portland Di~trict, A.O.F. s 11 ! ~ 11;
II 7 7 6 7 I I ~ 7 81 8 2 I) 7 I) 8 1 15 I) 9 I.O.R. 11 6 12 8 J I I 3 5 10 7 8' 7 6 7 6 17 4 20 2 I 20 2 18 9 LO.O.F. 13 6 14 2 14 8 i1o 3 10 6 0 6 10 I 6 10 I7 4 20 2 21 6 17 lJ.A.O.D. 11 13 2 12 7 3 0 4 7' s I 5 8 I4 3 '7 9 17 8 IS C)
Melbourne District, St. P.S. 9 12 91 11 II 9 4 8 oj 9 I 10 3 I2 6 17 8 21 10 22 2 21 IO
Bendigo District, A.O.F. 8 5 10 s 9 0 9 0 3 0 3 3 . 6 4 2 11 5 13 li 12 6 13 2
O.St.A., s.C .... 8 I 7 9 8 7 6 3 4 10 5 0 5 7 II 8 12 7 13 10 13 I Gee long and IVestern District, II 6 si 6 8 6 4 6 9' 16 I I I6 10 I6 2 IS 10
A.O.F. P.A.F.S. IO 7 12 2 3 I 81
~I 6 IO I 12 10 16 5 18 7 I8 I
Rallarat District, .A.O.F. 9 7 3 +i 4 I I 12 10 12 6 IO 5 I I ') I I
----~--
THE CoNDITION AND PROGRESS OF FRIENDLY SociETIES IN I 898.
8. The court>e adopted in the published reports for the seven preceding years 189I-I897 has been again followed, and the detailed tables setting forth the financial and statistical history during I 898 of the separate branches constituting the several. districts and Societies have not from motives of economy been printed, the total figures onl~r being given. The information relating to each branch having necessarily, however, to be compiled, is available for reference in uumuscript, particulars whereof the Actuary may, at his discretion, supply to members or other persons interested in the societies.#.' The figures placed in square brackets are those relating to the imrnedi:;ttely preeeding year.-;, I 897 nntl r 896, hrought forward fm· purposes of comparison.
9· In addition to I o Societips eonsistin,!?; of one branch onlv, there 1rere in I 898 2 I Societies with branches, makinp: 3 I 'ill together: the numher of Societies were thus 3I [3I, 32].
IO. At the commencement of 1898 the branches were I,o8I [I,073, r,o69] inn"'"'"'''· number; the new branehes opened during the year were 23 [21, 33]; the uumher closed or amalgamated was I 6 [I 3, 2 8 J ; and the number at the end of I 8 9 8 was therefore I,o88 [I,08I, I,o74].
I I. The numher of members at the beginning of I898 wa:-,; 84,012 [8o,69I, 79,3 I 2]; the ue1r mernbers admitted during the yenr were 12,406 [I I, I 30, I01J04 J; those admitted hy dearance were 1,408 [1,221, I,368]; the deaths were 931 [867, 89r]; r.n''"'·
the departures by dearauce were 1, 5 39 [ r ,46 2, I, 5 26]; and the exclusiont> throu~h arrears, resignation, or expulsion were 6,630 [6,7oi, 7,876]; ]winging; tlw numh(>r at the end of r898 up to 88,726 [84,0I2 1 80.691].
12. The membership inereased dnring the year hy 4,714, there having been also an increase both in 1897 and r896 of 3,321 and I,379respectively, making a total inerease in the tln·ee yC'ar;-; of 9,4I 4 m em hers. ·
I3. 'l'he initiations during 1898 \VPre I4'8 [r3·8, IJ'o] per cent. and the arrears icn-
were T9 [8·3, 9'9] per cent. of the members nt the heginning of the year; this g1ves a gain of membership on the hasis of the excess of initiations above mTenr:-;
opinion !lCfSCn!
the fl~ntfary (1f one ot that l1e was always
11 rurumnou as a matter 0f rlght, to rl!J so; one of tht> duties imposed upon Actunry in Friendly Br.t1ctk;::; a.~ Ire may from time W time tldnlf fU
4666. b
n neighbouring hrnncll ;)f anoth€l' Ord0r m :A !c ir, JWCStlllHtbly some useful purpo~e. but tll;it no
to supply 1t irrcspectively of wltetlu~r or not it was known such information useful to the metnbers to
1890, eection 9 (b)].
);umUct aml proportio11 dfcc:ti,·eJ a\"8l'<.lg"e JIUIHlJer.
TalJlcs II. 1
1!!.Elllrancc :mU c:learance fc.::~.
ContrlUution.s an(l lc,·ies.
An10UJ t of iutcre~b.
~iek pay.
Funeral claim::;.
}leclical attcnclaw·e and medicine.
To la: Uell~. . .-iits.
X
<"mllpan·d with the members at the eommetH~ement of the year of 6·9 per cent., in r897 of s·s per cent. and in r896 of 3·r pc•r cent., and a total gain in three years on the lmsis uf the memhers at the heginuing of the triennial period of r6·o per cent.
14. Out of the 84,012 L8o,69r, 79,3r2j memhet·s at the heginning of 1898, 7 r,6 52 [68,720, 67,28 5] mc•mhers were entitled to si<'k and funeml benefits, and r 2,360 l r I, 97 r, I 2,02 7 J 1rerc not so entitled, through too reeent memlwrship or being in arrear with their eontrilmtions ; and out of the 8 8, 726 [84,01 2, 8o,69 r J m em hers at the eud of the year 75,459 [7r,652, 68,720] were eff'cetivc, and I3,267 [I2,36o, 11,97r] non-eitcetive; the meaunumher being 86,369 [82,352, 8o,ooi] members and 73,556 [70: I S6, 68,002 J cfh:etiyes ; the proportion entitled to all the l>cnefits of the Societies <lnring the year wa.-.; Ss·r [S5·2, Ss·o] pc•r cent. of the total uumber, the effective memhen.; heing thus relativel.Y less iu I S98 than in r 897, hut greater than in I 896.
I 5. The initiation, clearance, and wi Yes' registratiou fee:s paid during I 8 9 8 were, to the Side and Fuueml Funds, £743 [£I,094, £I,43I], and to the :Medical and Management Funds, £3,889 [£3,586, £3,231].
r 6. The eoutrihutiollS and levies paid during I 8 9 8 were, to the Siek and Funeral Funds, £I23,474 [£r 17,424, £I I4,369]; to the Medical and Management Funds, £I27,o73 [£I2o,663, £IJ7,27I]; the sum contrilmted to both fnnus being £250,547 [£238,oS7, £23i,64o]; this is equal per effectiYe member to £3 Ss. 6d. [£3 Ss. 3cl., £3 Ss. Id.].
I 7. The amount of interest received from investments Juring I 8 9 8 was, in the Sid: and Funeral Funds, £40,627 [£40,057, £+o,487], and in the Medical and Management Funds, £595 [£780, £7Ir].
I8. The :sick pay expended during rS9S amounted to £III,o6S [£Ioo,3r5, £gS,582]; this is equivalent per effective memhet· to £I IOS. 5d. [£I Ss. 9d., £I 9s.].
19. The funeral utom•y mnounted to £22,028 [£2I,I52, £2I, r64], equal per effective member to 6s. [6s. Id., 6s. 3cl.].
20. 1\ledieal attcmdance and medicine to memhet·s and their families during r S98 co,;t £89,647 [£S5,441, £83,534]; this is efluivaletit per etfcctive member to £I 4s. 6d. [_£I 4s. Gel., £ r 4s. 7<1.].
2 r. The total sum dislmrsed by the Societies in 1 S9 8 in providing the three kinds of benefits tbey assure to their members, medical atteudnnee, and medieine, side pay, and funeral money, was £222,743 [£2o6,9o8, £2o3,2So]. The system of independent umtual aid in operation among these institutions thus at present involves the distrilmtion to and for their henefieiaries of on·r a fifth of a million of pounds sterling every year .
• \runager~<cnt 22. The eo.c;t of lllHllag·emeut during I898 was £46,967 [£46,I6o, £43,967], ~,~~:i,r:;;,;'~tv IJ<'ing· I 8·8 lr9·6, r8·6] pc·r cent. of memhei·s' <'Ontrihutions. ii'JilS.
Increase in c:q1it:d of f-'il'J..: awl l'uncral 1-'uud::.:.
23. T!w increase in the Side and Funeral Fund capital by the excess of the total income O\'l't' expenditme in I89H \YHS £26,9:)8 [£30,937, £34,67I].
sickanu 24- The amount of the Sick and Funeral Fund capital at the end of I S9S was r~~::~i~"~J•ital. £I, I 3 3, I 56 [£I 1 I 06,2 I 8, J3 I ,07 512 8 I J; t!Jis is e<rnnl per effecti YC~ me m he do £I 5 9s. I od.
[£IS I6s. rod., J3I5 I6s. 3tl.J Tlte capital, it i,.; seen, has increased continuously dnring I 89S, I S(J7, :l!ld I S96, hut relatively to tl1e eff'ectiYe IIH'll!bership the capital tkl'n:ased in I898 compared with rS97 and I896.
Tai·t.,:\JJL 25. If to £I,I]J,I56, the Siek and Funeral Fund capital, there he added ;w;;;:;;;;;~to £+o,8o4, tlw ),Icdie;!l aud Management Fund capital, £r8,705 helonging to ~Widows allllrcfullli' 1 ') j ' }~' j J' } (~i • j ~i\J' • ' ' 1) 'd S • "ant ~~rp1nns ·nms,c0I4,oio to t1e .ongregatwnn litllsters ~rovt cnt ,oeiety,
,1~ I 3 I to tlte Cual Creek Collier.r Accident Soeicty, £4I to the .Jnmlmuna Colliery _c\ecideut Societ_,,, aml £r3,429 to "Other Fnnds," ehieHy Bcneyolent and Suspense Funds, the total eapital of the Societies at tlw end of' 1898 amounted to £I,220,276, whicl1 is equal to £I 3 I ss. rcl. per member.
XI
26. The total receipts from all sources, expenditure for all 1mrpo~e~, and the nggrcgate capital for the year I 898, are given in the tahle following:-
ToTAL RECI~IPTS. ExPE:t~m·runE, A~D FeNDS, I 8gH.
Contributions, entrance fcc.o, and levies lntcrest and rent Other receipts
Tota.l receipt~
Sick pay Funeral claims ~Teclicnl benefits :Management expen<es Other expenditure ...
Total expemliture
Receipts in excess of expewlitur<> Jo'umls at the heginning of r898
Funcls at the eml of 1898
Benevolent and Huspcnse Funds
Totnl funds at end of 1898
... I ••• I
Sick nnd Funeral MedicaL Fnnd:-.. and 1\fanagem('nt
:C 124~217
40,627 8,599
xn,o68 22,028
Fund:-.
£ I 30,96;,
595 r8,sq
... i 13,409
89,647 +6,967 Io,IOS
£ 1,097 I,6)+
I oS
III,Sitl
2j,C97 89,.6+7 4·7,206 2';,7-+4
.------~··- --···------- _,_, ______ , _____ , __ _ 26,938 3,389
x,xo6,zr8 J?,•P 5 31,203
1,17 ),6H. ~---- ----.. ------·------·-' I,I3J1I56 40,804 \. _________ - ... ---:--···---·-·-
... ;
27. The sum, £22,028 1 given in the above table under" funeral claims" is that correct
aetnall.'' paid on the death of 93 I members mHl 48 I wives 1luring thf• year (pars. I I should
and 3+)· \Vllen it is found, howeVt•r, that the ag;c entered on the registration-of-dnnth certifieat<.• is hiQ"Iwr tl1an that of tlte society's re('cml a dcdnetion fmm the fnner;\l hem•fit is nmde {isually p1·oportiounte to tlw c:~msequent loss of <·ontributions clnringlll<'ltlhersltip, that is, whPn there is no reason to susp0ct \Yilfnl mis-stat<·nwnt at \:ntry, which wonl<l, if 1n·ovPd, quite invalidate the claim. To gmn·d ngainst t'ntm·p trou hie and po-.;sihlc• ]qss memhf•rs shoulcl take early steps to furnish the lllflllllg"c>ment of tlwir so<'iety with sueh reasonable proof of age as may he proeurahle. The agn of n cleeensed nH•ml)('r is oeeasiomi.lly supplied to tlw registrar of deaths hy a relative, who hasps an opinio1~: not on accurate knowledge, hut on the appcaranee presented after a }ll'OtractPil attaek of the f~1tn! illness, an umnerited nspersion heing thus possihl,v inafhrertentlr ('ast on the Phnnwter of an honest man.
28. Of tlle Sick and Funeral Fund capital at the end of r898, £r,IJJ,I56 ~able.rv., r, I o6, 2 I 8, £ r 5,2 8 r J, the sum of £9 5 r,9o 5 [ £937,8 ro, £909,9 5 I J was invested on ~~;t~:vest-
mortg:age, deheuturPs and banks, and £Io7,469 [£99,907, £92,749] in balls aml other fret> hold propPrty, the proportion to the whole of the latter being 9· 5 [g·o, 8·6] pt>r eent.; the snm remaining uninve~ted yras £73,782 [£68,5oi, .£72,58I], being 6·5 [6·r, 6·8] per (·ent.
29. The total capital of all the fundt-~ at the end of I898 was distributed audmstributlon
l ~~ in-rested in the mallllel' fo l<lWing :- mentortotAI
DIS'£RIBUTIOX AND INVESTMENT OF F'GNDS, 1898.
Sick nml .Funeral .Funds :\fedieal and UantLgernent Funds Wiclows and Orph~ns' FnnclB C. ~LP. H. Funds Accidt:nt Funds Bcncvolf•J!t, ~usp0nS(\ &c., llntHh
£ :I 1,1 J3,156 Invested on mortgage
4~,804 , in debcntnres ... r8,7o5 Deposited in banks at interest q.,oi o Invested in hn.lls ...
172 , other freehold property r:;,429 i Cash not bea.rincr interest ..
---·--1 £1,~20,276 i'
£ 720,223
21,637 257.330 63,61o 59-02(, 98,450
capital.
JO. Compflring the n•tnm fi·om inyestment in I 898 with the nvcrng(' enpit:d, Rate of
• · • I' l J J J · 1· d · ] Q' k .1 F ] ·p } 6 lnte1·est. It 1s HHUH t wt t 1e rate 01 mterest rea 1ze m t 1e DlC ~ anu nnera .. ; uJH s wa..; 3 · 3 l3 ·67, 3 ·83j per cent., heing nearl,Y rs. in the £10o less than in I 897, and 4s. less than in I 896.
TableVI.Expariencc:: Sttlme~sPrvponiou sicic.
l\clntive durat1on of &lc~mess.
Si cl< pay por efi'f.;utive
Dcath-r:.cte.
Deaths of wiveii.
Arrearaaud clearances.
Sodetias of females: Bmaches and merubei't);
Fundo: Hick awl Funeral;
:;\Jedical and )Ianage· ment.
xii
31. The number of members who received sick pay during 1898 wat; 18,693 [15,773, 15,o38], equal to 255·5 [2~5·9, 221"1] per I,ooo effective members, a relatively greater number of members having d<:>clared on the funds than in I 897, or 1896.
32. The duration of sickness in 1898 wa~ I6o,6n week8 [149,438, 148,304], equal per sick member to 52 days [57, 59], and per member entitled to claim that benefit to 12'2 days [12·8, 13·1]; proportionately, therefore, to the number entitled to claim, the rate of sickness was less in I 898 than in I 897 or I 896.
33· The amount of sick pay disbursed during I 898 was equivalent to 30S. 5d. per effective member [28s. 9d., 29s.], and to £5 18s. wd. per claimant [£6 7s. 2d., £6 IIs. Id.], being a considerable deerease compared with I897 or 1896. The rate of sick pay per week was I 3s. I od. [I 3s. 5d., 1 3s. 3d. J ; theE>e figures indicate a tendency towards the reduced scales of pay.
34· The ratio of deaths to the number of members living or the mean rate of mortalityin_I898 was 1o·82 per I,ooo [ro·57, II"I4], being greater than iu I897, but less than in I 896.
35· The number of wives who died in 1898 was 48I [396, 388], equal to 5'60 per I,ooo nzem!Jers [ 4'83, 4'8 5]-the number of wives entitled to the benefit being a matter of impossibility to obtain with a suffieient degree of accuracy.
36. The number of members who resigned or who were exduded from membership through arrears of contributions or otherwise was equal in I898 to 76·9 per I,ooo [8I'7 1 98·4]; and the departures by arrears, resignation, and expulsion, as well as clearmu;e, were in the ratio of 94 · 8 per I ,ooo [ 99 · 5, 1 I 7' 5] ; the clearances per I,ooo were, therefore, equal to 17'9 [q·8, I9·r]: or an average of nearly 2 per cent. during the three years I 896-8.
37· Societies con:-;isting solely of females have been formed in reeent years, mainly by the H.A.C.B.S., and particulars relating thereto are euteretl at the foot of the tables of Appendix C, the information being dealt with i-ieparately from that of the societies generally. The following is a sumnutry :-Sumher of branches, 14 [9] at the end of the year, members at the beginning of the year, 5 55, joined during year, 282 [673], members died, 2 [6], left by clearance1 arrears, &c., 92 [II2], at the end ofthe year, 743 [555], of whom 484 [249]were entitled to heuefits.
38. The total receipts of the Siek and Funeral :Funds were £492 [£655], made up of contributions, entrance and clearance fee:-;, £46 5 [ £341 J; interest, £9 [£6]; other receipts, £I8 [£3o8]; expenditure, £239 [£qo], consisting of sick pay, £216 [£Ioi]; funeral benefits, £2o [£3o]; other expenditure, £3 [£39]; bringing the capital at the end of the year to £738 [£485].
39· The eontrihutions, entranee, nnd clearance tees to the Medical and Management Funds amounted to £565 [£4o8], interest £1, and other receipts £84 [£I39], making a total income of £650 [£547]. The total outgo for the year was £593 [£4o8], comprising medical attendance £4I8 [£313], management £157 [£79], and other expenditure £I 8 [£I 6]. The capital at tlw end of the year was £196 [£I 39]·
, 40 It ha vino- been decided for rea?'lous o'iven in r 896 to ])resent the sickness 'l'aolc VII.- ' e 1 o l
~~~~~:;1 of coming under the lowest rate of pay separately from the remaining sickness, a table 1•1nrte~ . to tlutt end was theu pre1)ared. Similar information is furnished this H'<H' in Table oweBtt rates •-' ~~ 'i"k pay. VIr., Appendix C, wherein are stated the cases of sickness, the period and smn r'm,t expended in rdief~ n11der the rates of siel;: pay, payable during the first six months (I ),
the second six months (2"), and after tvvelve months (3.); also tl1e total at the three rates in every Society ; with the ratio the whole duration bear;:; to the respective periods.
xiii
41. The following is an abstract of Table VII.:-
DISTRIBUTION OF SICKNE;;s IN THE LARGEH SocmTms.-NuMBEl~ OP CAsEs
DURATION, AND PROPOUTIOXATE DURATION OF SICKNESS UNDER EACH
DURlNG I 896, 1897 AND 1898.
Propor· tionate duro.tion under (1°),
OF SICKNI!:St>, CosT (z0), (3°) in
' larger HATE lW SICK PAYSocieties.
Society.
M. U.I.O.O. F. G.U.O.O.F .... LO.O.l''. G.A.O.D A.O.F., Mt'lbourne Distxict
I.O.R. O.S.T. H.A.C.B.S. O.St.A. G.U.O.F.G. St.P.S., Melbourne District
P.A.F.S. A.N.A. Remaining So-
cieties Total
r.rota.l CooL Total Duration.
I I Proportionate Duration under each
Rate of ;::;ick Pay, r0, 2.0, Jo,
--··~,------~---- --------- ···--------;-~··~··1· ·--·-·--··--c--··----·-----:---~·--·-
r.
931 127 209 I 2 I
t: ),47' 32,072:
803 4, 746' 1,479 6,7671 1.784 7,58 51
! 2,092;1!,990!
l.~s 9 j 46j!
9911' 96
zs6i I 1 I;
z,u6 u,274: 5s3 z, 37 o,
1,188 4,601 I06 542: 291 I,226j
132 739
£ J2,779 4.358 6, 7 57 7,704
12, lO:J
11,751 2,'32 5,095
353 l,JOO
676
t 36, I 39 4.449 7.399 9, 0 71.
1z,61o
'3,165 2,654 ),4)6
46I 1,402
706
Weeks. W cek,;,
45,103 45,123 8,oo6 7, 347 '1.527 g,643
1o,984 u,o59 ZI,205 21,555
I), 7 3 2 4,620 7.os5 I, 186 1,6)2 I ,o )2
16,527 4,057 7,762
902 1,6')5
943
1 1898. r 189(>. 1897· ,898. -··--1-----f--------• i ,, i . /
:r~~~I_E ~-~ n:1
:i· ~~- r~ !0
; :~ '!i 9,995157 12 JI 57 9 34 62 IO 28
1z,8o4:ss u 34 ss 13 32 57 '4 29 21,985139 10 51:3& I0 )2 40 ll 49
I I8,184!6o" 4,769!51 8,544!49 I ,02):40 1, 75 s164 I, '+S!SE
4ojs9* 18 JI62 18 14 3t49 13 IO )0135 8
9 271$9 10 17 2 7 57 17
41 6z* zo 62 38 46 57 48 3 I 69 26 44
38 7 31
18 36 9 43 4 27
I 5 41
212 211 zzG r,o19' 1,734 1,8oo I,7+ISZ 8 40!59 6 35 53 14 33 1,53) 1,7Iol' 2,qo 6,soz 7,141 7,8o3 9,614!86 7\84 7 9 88 5 7 1,288 1,216 1,376 7,149, 13,518 IJ,222 IJ,4S2139 14 47 43 10 47 41 12 47
-- -- ------'---··-----.-·---·- ··---j----· 1----- -----I6,8oo! 19,777 98,582 IOC,315 14.8,)!) 149,438 I6o,6ll 48 10 42!49 9 42 $2 9 :;9
NUMEIUCAL AND FINANCIAL PROGUESS DURING I 878-98.
42. Particulars of members, funds, investments, and the experience of all the Tab'Jerx;
Societies taken together for each of the twenty-one years, I 878-98, are contained in -.llembe<>.
Tables IX. to XII. of Appendix C. The following· is a compendium of the numerical statement, Table IX. :-
AD'IHS,roNs, DEATHs, DJ.:PAHTUREs, AXD lxcRRA;;E OF MEliBERS, 1878-98.
A;lmis~ion;; by initiation 199,069
Admi~~ious by clearanec: 2 5,341
Total admi,;sion~ 2 24,41 o
Departureo by arrear11, &c. 140,462
Departureil by clearance .. . 24,98 5
Total departure;; 165,4-47
Excess of admissions over departures 58,963
Deaths of member" I 5,667
Increase ia members during the period 43,296
Number of memher,; at t-he beginning of 1878 45,430
Number of member~ at tl1e ewl of 1898 88,726
43· It is seen that I 99,069 members were gained during the twenty-one years Loas by
I 87 8~98 hy initiation, and 140,462 lo~t hy arrears, resignation, and c.xpl~lsiou, more oxctusior.s,
than nine times as nmuy memlwrs having heen lost hy arrears, &c., as by death.
* in the LO.H. the ~nm of :::.c::;, h:ing- paid for twdn:J nwnth:-<, t.he figures given in the (•Jhunn headed., Fit-':it Ha.If·Year" in Table VII nt."'Cet-:Harily inclnde 1J10se belong-ing to the seeoud half~year; thi<-5 Hodety besides, as wen M n Jew others 1na.I;e::; «. furt.hel' reduc:~ion for dick.oe.S~ poutinued beyond eighteen mon~ha, which is inoludeu under eolm:nn headed "Beyond One Ye~r." · ' · '
xiv
~:~!fPf.~:- . 44· The total arnounts received and e:qwnded in the Sick and Funeral and :~~":X:~;~· Medical and Management FnnJs taken together during the twenty-one years I 878--98
·.- -· were ns under :-
RECEIPTS, ExPENDITURE, AND FeNDs, 1878-98.
Sum contributecl by members Interest Other receipts
Sick pay Funeral benefitt: 'l\tle(lical benefits
Management ... Other expenditnre
Total receipts
Total expenditure
Excess of receiptH over expenrlitnre
·Funds at the heginning of 1878
Fumls at the en cl of I 898
£
4,226,198
737,232
515,412
1,578,468 363,7 2 7
1,5 II,073
780,928
437>765
8o6,88I
367,079
l'roJ>orlion"J 4 5. In proportion to the total receipts during the twcn ty-one years the sum paid ~~c~;;~~~t~;;.·~. in by mmnbers nuder the head of entrance and elearance fees~ periodical contributions,
and leYics 1ras equal to 77 per cent., the interest to q per eent., and other receip~8 to 9 per cent. ; also the expenses of nmuag·emeut amounted to I 4 per cent. of the total receipts ; proportionately to the total expenditure, siek pay was equal to 34 per cent., funeral heuefits to 8, medieal benefits to 32, management to I 7, and other expenditure to 9 per cent. It may he also added that, measm·ed hy the total receipts, the increase in the funds during I 878-98 \HIS equivalent to IS per cent., and the total expenditure to 8 S per cent.
Tall le XI llate of invcstrurnt nial intcrc~t
Tall le Xll. -Experien12c.
StcknC's~, mortality, 187S-98,
Dates when r898 retums were recehr~d.
46. An average of 92 · r per cent. of the total capital of the Sick and Funeral and Medical mul 1\fanagement Funds was kept (~Onstantly invested during the twentyone 'years, renliziug on the total funds an average rate of interest of slightly under S per cent. per annum,
4 7. The averng<:> _proportion of members on the sick list annually during the last sixtc·('H,Years \Vas 2II'8 per r,ooo effective members, I883 being the earliest year when members entitled to henefits were distinguished from the total members; the aver::tg'c annual duration of sickness during the tvmnty-one years I 87 8-98 \Vas 48 days per siek member, nnd I c· 5 days per eftective m em her during the sixteen years subsequent to I!-182. The sick pay per siek member during the t1Yenty-one years was £5 T 9s. 8d. per annum, :md 2 ss. I od. per annum to each effective member during the sixteen years ; the annual rate per week during the twenty-one years being I ss. rd. The mortality of members per annum to every Ilooo members during the twentyone years w::~s !0'69, and that of wives S'I8,
DATEs oF FURNISHING THB FRmNDLY SociETIEs' RETURNs Fon I 898.
48. The following table contains a statement of the months in which the r 898 returns from the "everal Societies renchecl this office ; it '"il1 he noti<·C'd that more than nine-tenths of the lmmchcs furnished the required retums during the first quarter of ! 89 91 and that th~ return:-; from 6oo hmnehes or sin~·le Societies~ ahout
XV
51 per cent. of the whole mnnber, were reeeire!l before the 1st February, 1899 (the statutory date), this proportion bei1Jg eon~Sidera bly greater than that of the previous year, when only 3 5 per ceHt. of the branvhe~ or single ~oeieties fnlly complied with the law.
TABLE SHOWII\(} THE JYiONl'IIS IN I 899 DUlU:!IIG WHICH THE RE'l'URNS OF THE RESPECTIVE FRIENDLY
SociETIES l'Ol{ 1898 REACHED THE AcTUARY J<'oR FRIENDLY SociETIES .
1\f.U.I.O.O.lc. G.U.O.O.F. I.O.O.F ... . U.A.O.D ... .
Name of Society.
A.O.F., Ballamt District , Bendigo District
Geelong aml Western District Grenville District ... :Melbourne District Ovens aud Murmy District ...
, Port.land Jlistrict ... , 'Varrnambool District , Court Unity
Court Aramt
" Court Amherst
T,O.H. .. . O.S T., Bt11larat and Sandhm:st Grand Divi$ion
, Melbourne Grand Division , Victoria Grand Division , Kationall>ivision
H.A.C.B.S. O.St. "'"· ... O.St .• i .• S.C. G.U.O.F.G. St.l'.S., Melbourne District
, Geelong aml '\Vestern District I'.A.1U'. .. . A.N.A ... . G.S.ll.S ... . C.1LP.8 .. .. I. :i\T,l<'. :;\f.T.B.S .... C.C.C.A.S. ,J.C.A.S .... A.O.JJ'. (l<'emale) Court Sherwood
.!\mnlJc1· of Bnuu:hes or Sintrle SocieLies, including Central Bodies, from 'Yhich Returns for the year 1898 were received,
I 59 23 8 s 6
I7 3 4 ., 14 2
20 30 & 7 6 2 5 '3 4
'1
26 2
6 2
.. ~ I ...
I 2 23 I .
90 38 4 2 ... I
IZ
... I I 'I::: 'I::: I .. ..
... I ... ... ... ! ... I ... ... ... .. .
241
63 77 89
9 I4
7 4
73 8 7 +
9 I
z8 135
I2
I
Total
... ... "'I'" ... ! ... ••• • .. ' ... .. .
_ ~I+L72_I~_OL~' ~~~--7-- ~2 _I ·~·_:-.. -. 1_-...................... ~ .... ·._'7_' __
49· Twentv secretaries, it ·will he noticed, fi:tiled to forward their returns hy the heginning of ,J nly, I 899, being tlm:.: six months behind baud, a reminder of their oecr•eoal'J.C"
llilatorines,; havi.ug been sent to all then in arrear iu April, and :t warniug of the consequence of further delay to those ::;till in default in June, Early in :July the remaining dd~mlters were notified that nule;;;s their retnm"' '\Ycre received before tlw end of the month they would he reported to the Law Depmtment so that legal steps might he taken to enforee compliance with the Statuh'.
50. On the 4th of Aug·u:-;t Hix sc~cTetaries were ntcording]y rpported to the Repot·ted to
I.T ll ] \ I ' '" 1 l J (--, --;. ]' • l ~~ " } Lnw Dep,rt· :lOllOl'a) (' t .lC .Il..itOl'll{',Y·uenera , lllJ( t le .. 1'0\Yll i::lo lCltOr ga.ve t IClU t H.>reupon seveument. ' days' notice impending prosecution, a threat which had the efteet of causing the long'·delaycd document-; to he• fumishcd, with one exccptiou, in August.
5 I. The names of the :-;eeretnries so reported areH.A.C.n.s., JL Hart, Haedms i\farsh.
, Jas. Hoaeh, Colae. , P. H. Hartord, M:mstield.
P.A.P.S., II. Proetol', Cnrlton. A.O.F., Conrt Amher:,:t, Jolm S. Cooke, Amherst.
, On'll" and 1Im:ray Distriet, En;il A. Keller, Chiltern.
xvi
tThe~ecreffl· 52. The return received in Se1JtPmber was that of a secretary who appears to a.rym o cc in Janu_ahr
1y have escaped })rosecution hecause he had heeu removed or had resig:ned in AuO'ust. The rospomn e • <J 6
forfurnish· Acts relatnw to Friendh, So(·ieties require the rrturns for wwl1 yc·1r to hf• sent to the mg- returns. P .., ' "· ( ._, ~. "" · Actuary before the first day of February of the year following, the ,;eerPtary of the
Sick and Funeral :Funds: misapplied,
branch in .January of that year is therefore the person responsible for compliance with that provision, a responsibility of which he cannot he relieved by resignation or even by removal from office at a later period.
MISAPPROPRIATION OF SrcK AND FuNERAL FuNDS.
53. The attention of the Societies has been repeatedly ea lied in preceding Reports to the illegality of using a portion of the Siek and Funeral Fund for any of the purposes of the l\Iedical and 2\IIanagement :Fund. Not only is the practiec a violation of the Statute,* hut it lms the effect also of materiall.Y retardin)! the financial progress of the Society so oftending, through withholding from the Sick and Funernl Fund a portion of its capital, and depriving it thereby of the interest which should accrue there· from. In the subjoined table are given th(• amounts misappropriated hy the several Societies during ea.ch of the five .n~ars I 894-8, awl the numlwr of hmnches which . so offended in each Society :-
.iYliSAPPROPIUATION Ol<' SICK AND FuNI<;RAL FuNDS, I 894-8, ~--···--····-·-- ~~·-------- . -----··----------
.,-m~~
Amount belong·in)( to the .c;·.:" g g.~
Sick and Funeral Fund in use by the Medical and f~]~ Society. }Ianogement ~·und ttt end of- ~ C'$~ "Oii..,-~ ·§,s;.S
~.£l::J:.l.!'.l!
:897· •898-a.8·S'2
1894· •895· i~:;J&:
£ £ £ £ £ M.U.I.O.O.F. 174 1 74 IJ9 I:Z8 2J3 24 241 G.U.O.O.F. 108 6; IS 52 6J I.O.O.F .... 489 I 479 J68 363 200 17 77 U.A.O.D. 7°9 540 227 '37 99 8 89 A.O F., llallarat District 555 395 424 43:1. 446 7 9
llendigo District 300 252 zSs 272 5 14 Grenville District ... 41 6g 81 I08 3 4 Melbourne Distriet 29 4 9 73 , Ovens aml Murray District IO 3 8
, Portland District ... 3 5 7 W arrnam hool District 8 (, I 4 Independent Courts 8 18
I 6 7 3 r.o':R. II8 20I 8I 162 2I rgo
0. S.T., Ballarat and Samlburst Grand Division ! 207 192 169 164 4 14
" }ielbourne Grand Division ... ...
I
154 147 120 I 74 7 26 Victoria Grand Division ... I$8 99 59 70 25 19
" National Division ... 225 197 215 154 I
H.A.C.ll.S. 238 z66 263 zs6 '5 78 O.St.A. 302 408 388 452 '3 18 O.St.A., S.C. 38 37 48 32 2 7 G.U.O.F.G. 142 121 Ill rr6 sr 9 28 St.P.S., ·Melbourne District 829 1,o58 I,I6r r,z69 I,)26 9 9
" Geelong nnd Western District 426 428 I
P.A.F.S. 1,291 1,448 1,007 r,o28 ;8o 15 28 A.N.A. ... 1,266 I,JI8 276 285 259 17 135 I.N.JL 482 52 4 57 I 5II 474 9 12 1LT.B.8 .... JIO 27 1
Total 7:95 2 8,o6o 6,o29 6,584 6,2 54- 194 I,I59
-~ ---~-~~~----------~-~
54· The total amount so misa.pplied increased in r897, compared with 1896, bv £555, but decreased in r898 hy £33o; whilst taking the Societies separately the ai'nount illegally used in 1898 increased in the St.P.S., M.D. by £257; 'NI.U:I.O.O.F., £ro5; G.U.O.O.F., £52 (a relapse from the dear sheet of r897); I.O.R, £31; and A.O.F., G.D., £27; one-sixth in number therefore of the brand1es, 194 in r,qr, violated the law in I 898. This has been due in most eases to inefficient supervision on the part of the responsible offieers. It is satis:fiwtory to ohserve that the A.O.F., G. and \V.D., with seven branches, Courts Unity and Ararat, and the G.S.RS. do not appear in the table.
* See the Pti~ndly.Safielies Art 189", No. IC<J4, sections 14 (ln.) o.nd ;r.
xvn
FRIENDLY SociETIEs r~ THE SEvERAL ADSTHALASIA~ CoLOXIES.
55· The ~ollowing is a statemei~t of the nmn?er <:f ~riem~ly Societies, brand1~s, in
and m em hers, w1th the total and relative amount of then· funds m tl1c several colomes Atc,tmlas:n.
of Australasia, at the latest date for which particulars have been ::.;upplied :-
FmENDLY SociETIES r:-~ THE SEYERAI, At:snUL\!'U.S Cor.oxiE,.
Victori:t ... ~cw Sonth ""aks (~ucenslmtd S<>nth ,\.ustralia \Y 0st~rn Australia Tasmania .X e:w Zcalaml
Total .
Date of Hcturn.
31st Deccmln·r, 189S 1897 18g8 189) 1898 1898 !897
3' +4 '9
1~5
of
x,oSS SI7 69,124 320 :?. 7 ,I 3:) 487 4:,;c3
68 +· '+3 I I.8 7 I 32.670
---~······~-
3,288 2:6. ;-:!
of
£ £ s. d. I):'.ZJ,z.-6 IJ I)
8 12 7 7 !Cl
I I 2 ')
7 F .) I!
8 c .OI I 19 10 0
~~-----
3,z.f: r ~S+5 II 1 5
56. It will he seen from thi:-; tahlc that there are 3,288 hmnches or lodges in E,t.Aof
1 . I' . 11 ~i • .. • I \ l . c· l . l "'"' l lilC Flienlll.r t w Ynnous 'nell( y ;-)cwieties m t w Ll.Ustr:t nswn 'o mnes, am 8+ ll1e1Illi<'1'S
I • J b 1 l f' 1 l & JUl\'<'ll\tnt on t 1e avernge m eae 1 ranc 1, or a tota o nc·m· y 277,ooo; i!ll(, n~simnug
that f(w each memher three per..;ons besides on the an'mgc participate in the mcdienl sickness or fnnernl henetits of these Societies, over 1,1 persons, nhout oue· fourth of the total population of the seven colonic:.:, nre conueded directly with the Societi<.'s awl share in the benefits conferred thereby.
57· Victoria, it will he noticed, possesses slightly mm·e than 33 per cent. of the Y:ctc·rla
hr:mches: over 32 per cent. of the members, and nlmo:-;t 38 Jll..'l' eent. of th(' eapitnl belonging to the whole of the Societies in the coloHie;-; ; and that the accumulated funds of the Societies in Victorin exceed One million pounds, New Zealand nnd ~ew South '\Vales coming next with upwards of Half-a-Illillion each at the ciHl of r 897, followed hy South Australia with nearly Half-a-million, at the end of r 895.
Ofll.ee of the Actuary for Friendly Societies, Melbourne, I 2th December, I 899·
""Extent ill Y.dc.ria in 189r.-To the nt11nerical folllnYin;; note \'\11:. (l:qwrt of C•mHnbslor., p. Gf 'vhom 9'J,4CJ Fri.end:y Sodet)·, equal
pt>r cent.} i:"' tl1e !J(}pulutio!t were excluded us or as bein;; int1epcmh:nt of sueb uid. n
,,
EVAN F. O'VEN, Actunry for Friendly Soeieties.
the Actlwry. the li!•WHH1i", j7k,38S,
would hr~ to lll',lrly ('lli2"·1llin1 1lefedivc b_;,lth,-, 1· dcfidc11t n:can~, ur mvml
APPENDICES.
4666.
APPENDIX A.
VALUATIONB 1808.
TilE FOURTH VALL"ATIOX OF THE INDEPENDENT ORDER O:F ODD FELLOWS
Letter fJ'om the Actuary for Friendly Societies to the amn(l Secretary, of ltis Valuation.
OfTice of the Actuary for Friemlly Societies, l\Ielbonrne, 8th March, I 899·
Rm, I have ti1o honom ro forward herewith my Report on the financial colulition of the I1ulepeudent
Order of Odd Fellows of Victoria Fricmilly Soeicty, together with an abstract of the resnlts of my valuation, o,; at tho 3 I st December, 1896, in aeeonhtnee with the pro,·isions of the Friendly Sodett:es Act I 89o, section I4 ( 1)
2. I r.cgret to find tlmt, mainly owing to the additional liahilitie:; irregularly nssumcd by the Lodges n,nd to the decJCnse in the intere~t retums during the rtuinquonulum, there has l>ecu Rinec the 1891 ntlwttion a rcees.;ion, to some extent, of tlw as.;et;; relatively to the linbilitlc,;.
I have, &c.,
EVAX F. 0\VEX, Aetnnry for Fl'icnuly Soeietiet>.
,J. C. Smirh, E~'h J .P., G.S., l.O.O.F., I.O.O.F. Hall, Mclboume.
REPORT OF TilE ACTUARY.
ABSTRACT of the l{e.~ults of the Fourth VahmticH1 of the I.O.O.F.
Nature of Benefit?.
t'ICK n:::sns oick. nlloW<l.liCCS Jm,rnlJle until lhe 70th
j'l':tr-·nur:n?J: flr~t six munth~'· sicknct<::<', at 2ct-.
pcrv~e~k .. .. Dtttiug ~CCotH1 six rnonths' s cttnes;;;, at
u:-. 6d. per \Yeek
I
Number of
l~ene:fi,~.
';
I
A nmh't~ ContlilJutlcms applicable to Sick
and. Funeral Benefits.
Tot~tl.
£ s. d. £ £ £
Il8,.p6
14,141 After ~CC'Olld six lllUlltlH:l' ;.;IC!'.IIC~S at)~.
I8:t.,B7 78,461 ;1,494 ~6.967 per W<~ek . . . . ~. $,ll I 6,J0'76 24 8 IOJ,876 14,)15 I\:rmn.nent ul:owttll('f'~ aftt-r the 7oth year of
£6 4"· J1Cl' nnnum, t<tkl'U as vqnintlcnt to future ::~ick. elnim~ 3-t.9!7
FC\EllAL FUND:-
I sums payable at tlcaih of-4'J.07J 11 :Me.ulltl't<, at .£z.o J,sn·;o 6 c z'.78{
'\VlYf:~~ ut £10 •• 3,741 11,156 I t'cumd WivtS, at £to .. so '
Tb7
:t\Jembers, at £z.o (iJat•en~huul Lo.Jgr:o;) ,. 585 175'50 6 0 3,JH I 5,049
\Vi\'es, ut £to (tl,:ccn~!tmd LoU~ts) 3)0
I t 913 H,153 - SJO
\Yid~tW"'• at £10 79 JI'6o 8 0 Jq 4o;
Pro1m.ble future
5,6')6 509'60 • 0 10,046
Totnl 15,612 8,6.1276 J2
3
r. I have taken Ratcliffe's Experience of the Manchester Unit.y Independent Order of Odd Fellows iu England, r866-7o, as the basis of the Valuation Tables employed.
2. The results obtaine<l, in the fir3t instance, from the Valuation Tnhlcs ha,·e heen rnodifie,J so as to approximate as dosoly as was considered expedient to the qnantitics which would lnwe boon brought out had such tables been originally based on the quinquennial experience of the members of the llmueh.
3· Tbe value o£ the liahilitie~, on account of the probable sickness after 70 years of ago, has been thus estimated :-The sum equivaleut at the date of the valuation to an allo\ntnce of £6 fS. per annum for life when 70 year·s of age has been set do\Yn to the account of each member in lien of the pay then claimal>le in case of sickness.
4· The n>lues of the prospectil·e income ami ontgo, on account of members owing more thnn fourteen weeks' contributions, have been excluded from the valuation .
. The deficiency shown I helicn; to he ;lue to the increase in the liabilities under the a week rate of pay as explained in par. 9 belom; to the excess of the "actual" above the " '' rnte of sickness to the extent, it will be seen, of 20 per eeut.; to the general reduction in the interest ol>taine;l in the pnst l\ud assumed in the future; an<l to the increase of 3 years in the a ,·emgo age.
6. The Sick and I•'uncral BPnefit~ at tl1c end of I 896 were as bhown aboce nn1lor "Xature of Benefit~." The periodic coutrilmiions at the valuations of r88I, 1886, 189r, aml r896 were as under
----- -~-------------------,.--------
Yaluatiou Total. Sick Fund. Fnucral Fnwl. Merlical and ~la.intenanee Fund.
:t; 8, d. {; s. d. £ s. d. .£ s. d. r88r I8-4S 3 5 0 1 2 0 0 8 Q I 5 0
I886 I6-4Q 3 5 Q 4 6 Q 8 Q I2 6 I89I I6-4Q 5 Q 4 6 Q 8 0 I 12 6 1896 r6-36 5 Q I 4 6 Q 8 Q I I2 6
36 9 4 I 8 IQ Q 8 Q I I2 6
3i 3 IJ 8 I IJ 2 Q 8 Q I2 6 38 4 2 4 2 I IQ Q 8 0 12 6 39 4 11 0 2 IO 6 Q 8 Q I I2 6
One-fourth of the Fuucral Fund Pontrilmtion has, since 1894, been appropriated to f he Superannuation Benefit Fulll], which rays the contributions of members who reach the age of 65 subsequently to the yoar 189?. :;\lcmhen; who joined prior to September, I89f, pay according to the 1891 scale.
7· The members in Victoria at the end of I 896, their contribution,; to the Sick and Funeral Fund, with the number at each quinquennial age-group, arc given in the subjoined table :-
NUMBER OF FINANCIAL J\h:m.JERS IN 1896, QI,ASSIF!JW ACCORDING TO AGJc AND WEEKLY CONTRIBUTIOXS
TO THE SroK AXD FUNERAL Fuxu.
Age. 7~fl. (16--:l6.)
I6-zQ 107 2Q-25 443 2;-30 848 J0-35 I,osQ 35-4Q 966 4Q-45 552 45-5Q 347
233 2QI 176
65-70 I20 31.
3 4
All Ages
8~d.
(:l6-37.)
I
6 4
9~d. (37~38.)
n:1d. {S8-3D.)
4 4
I)frl. (B9-40.)
2
Tot~!.
IQ7 443 848
I,Q5I 981. 564 34-i 233 2QI I76 I20
32 3 4
8. In passing in review the interest sheets of the Lodges for the five years IS9z~96, for the purpose of fixing the rute of interest to be a~snmed in future, I was struck with the great reduction in the rebtivc interest earnings in the last compared with the preceding valuation, more cspeeially in the last year of the period. The following table supplies particular.; in re:;peet to Lodges haviBg upwards of 100 members and possessing a capital of £I o per member and upwards, such Lodges ha.-ing the greatest weight in determining the final results.
H Z
4
AVERAGE INT.I';REST, DUmNG I887-9I AND I896, IN SEVEN OF TIH LARGER AND .WEALTIIIEI~ LODGES,
To WHICH TH~: GRAND LoDG·E IS ADDED .
Duke of York Fitzroy Colac ... Gippsland Rodney St. Crispin
Lodges.
Colfax ... Grand Lodge Funeral Fund
.
Average Hate dul'ing I 887-9I,
9· In the valuations prior to I 896 a reduction was made in the sickness liability on account of the limiting under the rnles of the period dming which the allowance after twelve months was payable. I have had cause to reconsider the propriety of making that conces~ion for the reasons set forth in the letter I sent to the Grand Secretary on the 6th ult., whereof the following is a copy:-
" SICKNESS AFTER SECOND Six MoNTHS.
"The 'actual' sickness experience of the I.O.O.F. during the five ycm·s, I 892-96, comes ont in excess of the 'expectation,' and I lun~e in consm1nonce been led into maki11g an examination of tbe relative incidence thereof llll(ler the three rates of sick pay, with the view of asccrtnining the practical effect o£ the operation of the option given to Lodge in Law No. 116 by the proviso-' aud should such incapacity continue bey,mt! that time, i.e., fifty-two week,, he may receive the sum of five shillings during the pleasm·e of the Lodge.'
"2. The facts bearing on the question are the;,e :-
"Aggregate membership at risk during 1892-96, z8,074'5; average age, 37'6 years.
"SICKNESS : RELATIYE INCJDE:'<03 A:>D PEIUODIC PHOPORTJOXS.
--------------------- ----·····
:Sum bet• of Weeks.
--Aggregate. First Six lionths, Secoud Six Months, AfterTwelvcl'iionths,
12S. 6d. ss.
Weeks. Weeks. i
\\reeks. Weeks.
'Actual' ... ... . .. ... 44,515 27,8+9 4.596 IZ,070
Periodic proportion ... ... . .. lOO 63 IO 27 'Expected' ... ... ... . .. 39.775 31,428 J,Ol1 • 5.3 35 Periodic proportion .. ... ... lOO 79 7'6 IJ"4 'Actual' in excess of 'Expected' ... . .. 12% ll% +53% +u6%
"3· In relinuce upon the assurance of the Grand Soeretary for the time being that the payment of sick pay under the lowest rate was not continued for a longer period than a month or so, I made a material reduction in the calculated money value of future sickness. In my ]{eport. on the Second Valuation, par. z
I 887 Friendly Societies' Report, p. I 5), I wrote-
"' 1 t is not tlte pmctiec in this Society to continue the sick pay under the lowest rate beyond one month, or nt the farthest two months ; and effeet has been given in tlw valuation to this reduction in the benefits. (This peculiarity should be borne in mind in instituting eomparisons in respect to siekness experience.)'
"4· The fignro~ brought out in par. 2 above serve to show that during the live yearH I 892-6, whatever may hlive been the ease in the past, or in particular Lodges recently, the Lodges generally appear not to have given effeet to the power they possessed under Law No. I 16, to limit the payment of the lowest rate to two months.
"5· In order to bring my estimate of the future sickness expenditure into accord with the real practiec of the LodgeR, I am under the necos;;ity of disregarding the words during the pleasu1·e of the Lodge in Law No. I I6, and to assume that the payment is nmde during the wl10le period of member's incapacity.
"6. The phrase 'dming the pleasnrc of the Lodge' is of too vague a eharaeter to have any binding force upon the nwtnllers, who arc likely to be influe1werl by scutimetttal considerations and the general popularity or the reverse of the particular sick pay recipient. Had the limit been state,l in the lnw, i.e., two months, I shouhl have had something definite to go upon, but the pleasure of the members of a Lodge is too elusive a factor to be ealculable by way of average."
5! 5 4~ 4 ,1 J'll 3 0
5
Io. Prominence is given in the valuation to the higher values of the liabilities which are brought out at a low than at a high rate of interest. I dealt with this Silbject in the Annual Report for the year 188z, p. cviii, whe1·eof the following is an excerpt:-
" Trm EFFECT OF f:;TEREST o:; TilE LIABILITIES A~D CoxTmBunoxs.
"To illustmte the relative effects of fl. high and a low rate of interest, I have prepared the following Table, containing, for the age of zg, at various rates per cent., lhe value of the Assurnncc Rendits given by a majority of the societies, ami the equivalent annual eontrilmtious at the same age, assuming the fnture experience in respect to sickness and mortnlity to he the same as that of the mc:mbc:rs of the :\1.1J. i11 England during 1866-70; assuming, a!C"o, that all the members will eoutinne their menil•crsbip duriug life, ami that the mic of interest realized ou the entire capital willlH-, that gin:n in column 1 :-
"TnE Liability imposed on a Society by n Nc"v :\Iemhcl' of the age of zg, and the cquivnlcut Annual Contribntion pnyalJle quarterly for l!fl• t.herel•y- on the ha si:< of the ~LV. experience, Englnud, 1 866~jo~at the following rates of intereo-1 per cent., 5~, 51 4~, 4, 3~, 3, o.
~ick Benefits. Funel'al Benefits. AnnnoJ eontribntion cqlti\'ttlf'nt to-
Yalue of Wecklv Sick Pa'· till tlJC 7cth ~·ear. '
Total vn.lne Yaluc of of Total
of £~~l;~~~~(n~]{' ou l;~~~[~.i~le }~;~:r~l
Sick and Funeral
Benefits.
Sick Pa,r. of )[em be>·. of Wife. • D t. ·
---··--- ------ ,---·---~ _:awn8. ------
Funeral Benefits.
Sick and l;"'uncral
Benetits.
£ :..:. d.
IS 4 2 6 I6 8 11
17 !6 9 19 " 11 0
21 14 9 23 4
£ s, rl.
411 8
I Il 9 I 16 0
2 I o 2 6 9
5 6 8
£ s. d. £ s, rl. 1 f. .;. d. ! £ s. d.
I 19 0 19 IO 71 4 9 2 I 12 6 2 8 6 21 lO 2 4 I8 II I 15 2
3 0 4 23 16 2 5 IO 6 I IS
3 I) 3 26 I 0 6 4 2 2 I 10
4 14 0 29 I3 2 0 2 IO
17 6 33 7 6 i 7 rg 9 2 10 6
£ 6 6 7 8
9 10
10 Jl
...... d. £ "· d. : .t: 8, d. I 8 25
14 I 28
8 9
12 3 : 7 li 0 8 43!I8 o8 4Il 92
1 og
5 I IS
9 r6 1 18
6 0 16 0 10 4 0 9 6 I 19 IO 19 0 < 1 I I 9 0 9 Il 2
10 1 I 3 IO 2 3 43 14 IT 10 4 2) 5 0 7 6 1 5 3 20 0 0 0 .25 () 0 2 5 2 ' 0 14 2 19
"Columns I I, 12, 13 of this Table serve to bring out pretty elcarly that tl>e larger tile iucome a societ.y 1lcrivcs from its investments the smaller may he the incl)mc which it can nflonl to rcceh,e, in the form ;,f eo11trilmtions fr(>lll its members, in return. for tl1e arlvantages which it coutracts to confer upon t ht' m."
Office of tho Actuary for Friendly Societic~,
liclbonrne, 11th 1\lan·h, 1899·
EV AN F. 0\VEN, A.I.A., F.S.S.,
Actnnry nndPr the Fricndi,IJ Societies Act 1890.
: Exlrarls .fi·om the Report of the Act uar!t on thr• Total Lodge Si cl! Funds and
G-raud Lodge Funeral Fund.
Total of Lodge Sick Fnnds.-'Ihe tlt?ficiency shown l believe tn be dnc to the additional liability bronght upon the Lodges in this compared with the 189 I Yaluat.ion uy the sick pay under the lowest rate being, as shown above, taken as payable during membership, instead of as hitherto during r.he pleasure of the Lodge, aR explained in par. 9 below, and, in consequence of the nnf:tvorahle investment retnrnR, towards the close of the quinqnennium especially, in a minor ,Jegree to the ntlnation luwing to he made in many of the Lodges at lower rates of interest than in the valnation of 1891, as Hhown in detail in the ceveral Lodge Reports.
Grand Lodge Funeral FnmL-The rece,;si<m in the relative ai'sets of the Fmwml Fnn<l compared with 1891 is d11c to the material reduetion in the valuation hasis in the matter of interest :tssnmed in I'utme, 3 pn cent. having to be tak('ll in lien of 5 per ;~ent., in conseqnenec of ihe heavy rellnction in tllG aYH<l;::e nnnual rate of iutcrc;;:t obtained on the Grand Lotlge Funeral Fund during the preceding qninqnenninm resulting in a considerable enhancement of the liabilities, and to the rednetion in the contl'ibntiou-value hy the tran~fer to the Supermmuation Benefit Fnnd, for the purpose of {laying therefrom to the Lodges the oontribntious of members attnining Lhe age of 65, of one-fourth of members' funeral contributions subsequent to I 894·
The existencB of the deficiency in the Superannuation Fund I also attribute to the low rate of interest at which the futnre liabilities have npon this occasion to be estimated.
7 10
IO
8 6
10
6
TABULAR SUMMARY of the Valnation of the Independent
Experience during Quinquenuium greater
Rate of Number of- ( +) or less (-) than, or equal to ( = ), that of the I Interest. M. U., ~~ngland, 1866-7o.·',
No. Lodge. Where situated. " 00
~ ~ " §
I ~ ~---------:---
2 3 I I
% Duke of York ).fel!Journe ... 1846 I 3 Fitzroy :Melbourne .•. 1848 3~ Prince Albert l'nthran ••• i 1856 4-~ St. Kilda St. Kil<la ... 1s5s
i 3 11 Pioneer lbllamt ... i 186o 4 12 Hotham lJnion North Melbourne 1861 3~ 14 Winchelsea Winchelsea 1862 10 3 20 Ballurat Ballnxat 1862 14 4~ 25 Colae Colac !863 2 + 101 3~ 26 Camperilown ... Camper<lown 1864 j 79 19 135 3 30 Birregurra Birreg-nrra ... 1864 24 19 4 4-0 Gippsland Walhalla 1866 129 75 17 3 41 Ondit Ondit 1866 41 30 74 +239 3 57 Dnke of Edinlmgh ;)outh Melbourne 1869 131 93 6 402 6J Phmnix Geelong 1870 48 4-0 31 170 5 3 64 Standard l'mhrau 187o 75 64 17 +56 6 4~ 66 Columli:I ?\Ielbourne ... 1871 26 5 206 +46 349 3 3 68 Sandhurst Bcmligo 1871 227 174 29 137 9t 5 69 Devonshire Castlemaine 1871 45 33 2" 14 +442 2i 3 )
71 Philanthropic Williamstown 1872 182 143 24 10 +276 3! 3 73 Ynrmvillc Yarmvillc !873 IO/ 84 2.j. 21 + 358 5~ 4 74 Car! ton ('arlton !873 76 57 24 + 38! 5 3~ 75 13ucki ngham I Footscrav 1873 I14 93 24 J62 4;} 3 76 Excelsior Smythes~lale 1873 31 23 24 83 4! 3 77 West Melbourne West :licl!Journe 1873 41 26 24 +436 5 4 78 l'rince Arthnr .Fitzroy !873 74 6o 24 = pc 3 3 82 Aurora CorinJhap ... 18J.t 9 6 24 z} 84 Brunswick llnmswick ... 1874 87 62 24 31 J26 4~ 3 86 Rotlney Eehuea 1875 121 88 24 z6 ·'· 235 6~ 4~ 89 St. Cri<pin Collingwood 1876 227 ~~- 24 22 186 5 3 ;.l
go Fre<lcrick Nor!,h Hichmoud 1876 97 68 24 +27 387 2~ J 91 vVirnmem Stawell !876 90 6s 24 51 6Jt 4 92 Hawthorn !Ia11'thorn ... 1877 25 19 24 1} 3 94 Colfax HiehmolHI ... !877 102 8+ 24 5 +485 4 3 96 Lincoln Collingwood 1878 71 55 24 79 297 4i 3 97 Abbotsford Collingwood 1878 53 40 24 s 629 4~ 3 98 Hnrmony C:trlton 1878 99 So 24 73 +491 4
101 Spring Hill Crcswick 188o 35 25 24 +18 172 3 102 Shcpparton ~llcppnrton 18So 72 49 24 365 4~ 103 Murtoa Mnrtoa 1881 24 19 24 4 104 Hidgcly Nnmurkah ... 1882 13 Il 24 3
\Yililey Port ~felbournc 1882 I
95 76 24 35 105 xo6 (}rnng-< burn Hamilton 1882 20 17 25 107 Garficl<l Allandalc ... t88~ 102 8! 24 108 Bel voir Wo<lon~a ... 1883 30 19 24 109 Flemingtnn ~cwtnarli:ct 1883 82 69 24 20 I 10 Rochestcr !loch ester ... 1883 55 44 24 25 II I Irrewillipc Irrewillipe , .. 188J 20 I I 24 I 13 Star of the Nort.h Nathalia 1884 91 6o 25 26 +448 114 Kids ton Cli fton Hill 1884 43 30 24 34 435 us Templeton Preston 1884 I5 12 24 117 Sylvan North C<nlton 1887 24 16 24 II9 Stirling Kyahrant ... !888 38 21 24 0 8 242 3 121 J\]ng Ya.rrawonga 1888 19 12 24 3 Il2 Cobram Cohram 1888 18 13 24 3 123 Wright Toorak 1888 9 5 24 ~ 0 3 124 Gor<lon Newport 1888 6· 49 24 -24 394- 4t 3 J
125 Tallygaroopmt Tallygaroopna 1888 16 10 24 3 3 126 Berwick llorwick 1888 24 15 24 3t 3 128 Marihyrnong ... Ascot Vale West 1889 44 37 24 4°7 3~ 3 130 1Vlentone Ment~me 1889 10 9 24 3
7
Order of Odd .Fellows, as at the 31st December, 1896.
Liabilities. Asset>, Ratio to Liabilities per£ of the-
,_, ., -9 g ~
i Xo.
~ !c<
f ---· 25
£ £ £ £ £ £ s. £ s.
4,722 1,869 4,249 473 '5 '7.- 4 C, IO I' 7 4,318 2,f11 Z1 I6S 4·176 258 17 I+ 2 I'll 2 10
'•96+ I,I 60 1,649 z,8og 845 ;24 l2 12 12' I I IC 16 2,463 I, 128 840 I,968 495 I 5 Of 8 I7 9 2 6 9.471 s,zJ& 2,5I 3 7,7 )I 1,720 8 IG'- 6 I I I J,479 I,924 z, t26 4,oso 21 IC +- 5 1 )'I l 0 I2 3 23 1,874 829 1,263 2,092 21 28 l + + I7 8 10 13 6' 22 6,033 2,9I6 577 3.493 2,540 3 4< I4 I 9 8 I I 1 II 8,oo7 4,221 3.45 5 7,676 JJI I • I4 I Io: IO 7 8 ;'19 )
2,835 r,731 973! 2,/04 I 3 I 12 6, - I 13 12 2 6 Il '9 738 467 999: 1,466 728 4I IJ JO 7 I2 8 27 I 19 c
4,689 3.0 54 I,7481 4,8oz IIJ 13 I I 0 dl.xJ 0 7 6 20 i; 40 I 1 J21 898 &65 I,76J 442 2I 2 t~ Io I 6' I J 7 I 3 I 26 s 4• I 5,3 32 z,6Iz 63 I' 3,243 ! 2,oS9 4 I 5, .. I 5 14 9 10 2 4;12 7 57 1,998 996 I,o66; 2,o62 64 22 4 -1- I 7 10 c 10 s 20 ~! 63 2,233 I,300 1,225 2,525 292 16 18 11 8 10 1 I j22 7 i 64
I0,64I 5,762 2,52I i 8,283 2,3 ss 9 ,g 10 !01 4 9i I 5 66 6,28I J,848 4,078 I 68 230
! 2,203 14 I2 3 0 9 IJ c 1,772 g87 1141 1 1 IOI 67I 18 Il 2 I 3 12 6g 7. 15 7 3,888 1,037 4,925 2,2J2 5 ' Ic 10 2 li:IJ 9 j( J,SSI 2,020 481 i 2,)01 1,oso 4 IC; ·· 9 I G I I 4' 2 914 I 73 2,9)1 l,.fOI 959 2,3Go 59 1 12 I2l 7 16 9 6: 6 6 I6 c 74 4.370 2,504 5701 3. 0 74 f 1,2g6 cl- 11 7II 6 2 7 14 I 75 1' I97 623
3351 958 239 IO !6 - 7 14 IO 5 5 7;16 0 76 I,4C7 789 494 1,283 124 12
I\ - 3 0 I I 3 7 <',I8 77
3,043 1,458 755j 2,213 830 IO 4 Il 4 9 7, 5 cii4 ;8 404- I 3 I 316 447 43 35 2 4 !6 6 6! I 5 8 22 21 82
3,467 I, 87 5 . 630, 2,5D5 g62 7 5 -I I I, 10 10. 3 s: I4 6: 84 J, 549 2,08I 2,3)2! 4.433 884 19 + 7 Gin 9· 13 3 25 O! 86 8,8o8 s,ocg
' z,sg6, 7,6os I,;WJ I I 5 61 II 4 5 I I! 17 31 8g 3.959 2,041 6J6i 2,677 I,282 6 I3 4 10 4 3 2 I 3 6 90
' z,go6 x, ;So 116: I,8g6 1,010 I I 4 I2 0 IC IJ I 91 I 974 52 7 554 1,o81 107 ~22 4 6 10 4122 z' 92
3.955 2,197 I,2ji 3,428 527 :I 2 5 3; li 3! 17 41 94 2,948 I, 5 75 ...
I 2,J12 6J6 '10 8 19!10 o: I 5 81 g6 ' 41I 5
2,078 I,IOO 5521 I,652 426 10 8 I IO Il 97 3,8o7 I,726 492' 2,2I8 ',ss9 I 4 I 9, - I6 I 9 I. 2 /ill 8 1 98 I,4I 5 736 94 83a s8s 2 14,- I6 I4 10 5' I 4.11 s 110! I ,88 I I, 35 5 1,o66' 2,421 540 'I4 !61 7 10 14 5: I I 4125 9 102
762 460 352 8I2 so 14 I 3 2 2 12 I' 9 Jhi 4 1103 5I9 271
: 4011 674 '53 Ij! ·t- II I 5 10 sl1s 6 45 [I I I04 2,739 1,85+ 1,169, J,023 284 !2 6, + 3 6' 8 I 10"' 0 13
!Cl le~ 63o 34 8 37°: 7•8 88 I 8 lcj + 4 8n Ill 3:992 2.JI9 - 1031 2,216 1,776 -I 0 '7 8 I I 7 ···0 I i107
9/I 718 i 36S, 1,o86 "5 '12 51+ 3 17 14 9 7 4ho8 2,404 1,6 I9 574 2, I93 21[ 7 C:- 2 I I I 3 6 4 ' 109 : ~~I 10 I,794 ,, 139 68 51 1,824 30 r 12 9,+ 0 I I 12 8 7
74 3 451 294 745 2 '4 '41+ 0 2 12 7 I I :20 1; I I I 2,832 2,007 924 2,931 99 10 3:+ I 2 I4 6 6120 8 1113 1,22 5 847
I 426' 1,273 48 I 9 ISI + I 2 13 6 I1 20 9j''4
549 3+4 245, 589 4C It 7 + 2 1J I2 E I I j2 I 5,"5 79° 515 }041 819 2-9 , I 2 IJ + I 4 I3 7 9120 9,117
~~ 3] 0 910 !68 l,0/8 232 4 8 6 2 IJ I 2 6.I6 S'II9 4I4 156' 570 1)7 8 4 8 5 I I 4 3 i I 5 8 .I :Zl 43+ I29' s6J 6j 7 3 - 3 ]0 '3 Io 4 I !I7 ll "22
323 21 I 741 28) I 38 8 4 - 4 4 I3 I 4 7ii7 8:123 2;327 r, 523 338 I,86t 41)6 4- 7 313 I 2 ICII5 11 II24 s66 379 !67 546 20 IQ 9 51J 4 5 I I I 9 3 125
846 57 I , 56, 727 II9 6 Io 4 I 9 I 3 6 3 81'7 2 !26 1,432 I,OJO 236 1,266 t66 5 I 3 I) 14 5 3 :y' 8, I28
388 214 99i 3 1 3 75 9 !8 7 10 I I 01 4 I6 2,I30 ; I
-~--~-~~--
IJ1 IJ2 133 134 IJ6 q8 139 IfO lf1 142 14-3 14f 145
8
TABULAR SUMMARY of the Valuation of the Independent
Lodge. '\\11e1·e situated.
Warrnambool \V arrnam boo! r889 !
Riversdale Carnberwell r889 Oakleigh Oakleigh ... r889 , Auburn Hawthorn ... r889 Stanhopc Malvern 1890 Havillah Maryborough !890 Tatura Tatura 18gr Burnley Hichmoncl ... 1892 Mooroopna Mooroopnrt ... 1892 Undera St. Gernmins r892 Nga.rveno Moonee Ponds 1S;J4-Bray brook i Bravbrook Junction 1894 !
Teutonia ... 1 Melbourne •.. 1896
'l'otal Lodge Sick Funds Grand Lodge Funeral Fund a,nd Superannuation Fund 1
Queensland Lodges
The whole Society, Vnluation, 31st December, 1896 Queensland Lodges
The whole Society, Vrtluation, 31st December, 1891 Queensland Lvdges
~umber of-
% 3 3 3
s6 +52 3 3
21 3 r6 3
!'~ 3 I ;r
it 3 3 ., 3
JO . 36 I Ill
3 3
4!
i - 8 5~
* \Vhen u I.odge possesses fewer than 30 members, Ol' when it has
9
Order of Od(l FcllowH, as at the 31st December, 1896-continued.
Liabilities.
~ ;:; er
.... " 3 "" 3 u C' 0 0 '~ !:-< ;;; !:-<
-----.- ---E1 10 I 17 18 !D 20 ~.l 2:2 ::~ 2J 2G
£ £ £ £ £ £ £ £ £ £ £ £
2241 134' So 2141
4-09 2" "t") 652, 59 ry, SI9 ;-
90 I I Cl
75° 493 Q2
S+8 39 1 i 46 +37 x,o76. 702j 140 842 1,221 S87 lOO 987
280 ' I2' 6I2i 82 6+41 44
I9 218
1)een lcs'5 thrtn tlre ;rear$ iu exbtenr;f', it~ rxpr.rit-ncc j:i not abst l't:H~tPd~
g· ·~
£
I6) !I I
23+ 2HI 68
Ratio to Liabilities per£ of thv-
~ j I Q
~ _,
Xo.
I
8 --~----~,
2
30 3~.1
:;~
s. s,
I 3 11
9 13 6 I 3
! 0 I I
I 3 I4
I 7 I 3 19 14 16 13 Io 14
4'15 12 I 2
6 I I
S, 8
d. . )', s .
11 I 21 I 9 9 2,21 2 2 2 I}
I I; I Z..
0 3 4' I7 2 2 5 I 5
I 8 I) I 2 7 1 I 5 6 I 8 16
0 s I6 IO I 9 14 8 I 0: I;
I 7 17
5 ) 8 I 7 6• 9 I I7
d ..
I
I I
4-' 8 4-
11· 8 2
7 8
IO
... I ---1--·-·- --- ·---.~ .--
I 31 IJ2 I 33 I34 J36 138 '39 14-0 !.p I42
143 IH
145
TABI~E ~lwwing the relative position of the Lodges of the Jndepemlent Order of Q,J,l Follows, ns at the 3 Ist December, 1896, in respect of Rnte of Interest, Average Age, Sickness Experience, Capital per Member, and Hatio of Contril.mtious, Capital, and Assets to Liabilities in the £.
L I I 2. I 3. 4. 5. G. " .. 7~\· I
,..; ,.; f!l
d ~ B ,..;
" :E r.odge. Lodge. Lodge. L,xlge. .§ Lodge. Lodge. Lodge. ·3 .9 ·~ eJ "' ·~ ·$ ,. "' < tl !>< " 0.. 2: " "' ..
cc -" .; ~ ~ " 'D. " ,..
" a;
~ < u ~
o, ... I:'~· Wk-; £ d. .. I Sandhurst ... 9} Undcm Ondit 26 Birregnrra Teutonia ... Birn·gurm ... '27 1 1Htrcgurra ... [39 I ... :! Gippsland 7} Brayl>rook ... 28:,' llfuribyrnong ... 54 Aurora. Under"' . .. Prince Albert ... j16 9 l'rim~c Allwrt . .. 128 I4 . .. 3 Wimmeru ... 6·' Mooroopna 13eh·oir ... 62 JU<lgely ... Bel voir 91 Anroru ... . .. 5 8 Ondit .. . ... 26 5 4
... 125 4 Rodney ... 6~ Jhvillah ... Wilrlcy ... ... 6s \Vi nchelsen ... Bmybrook . .. Si Ridgcly ... I) 6 Ridgely 20 5 Shepparton 61 Talum Kids ton ... 66 l'rince Albert l\Jooroopna Winchelsea '3 t l:l hepparton ... 125 7 6 Strmdard ... 6 Cob ram Fitzroy
'" i 67 Phmnix Shepparton Hodney 13 3 Hod ucy ... ... . ..
::: i ... . .. ... ·:: :IJ .•. j25 IS
' Yarraville ... <-a 8tauhope ... Hodney 74 Hawthorn ... Marihyrnong- Ondit .. . I Hot ham Union oH 123 4 8 Grange burn
A • ••
122 ... "':~ !Uversdnle . .. St~tr of the North 74 Hothnm Union Tatura llotham lJ nion ••. ! 12 3 Grangchurn 21 )-T
9 Prince Albcrt ... 5~ Bel voir Hoeheoter 75 Omlit ... Star of the North .•. Gmngelmrn 11 9 Stn.IHlard ... .. . 22 10 Ballarat. ... ... 5~ Stirling ... Shepparton ... ~7 Hodney •.. .. . Stanhope ... ... Hawthorn . .. II I 4 Wiuchelsca .. . II 1-'
0 li Birregurra .1 Xgrtrveno ... Excdsior ... 78 Urangebum Stirling ... Shcpparton ... I I 4 13el voir . .. 27 ):!; 12 Stal' of the ::\orth ... 5•} \V right ... . .. Flemington So li'itzroy ... Kidswn I 3 f;tandnrd ... ••• , Io I J Aurora ...
122 3 13 Hotham 1: nion ... sJ i Gippslnnd ... Camperdown ... 81 Standard ... Cobra m 13 Phccnix ... ... Io 8 Hawthorn ... 2 14 Colac ... . .. 5~ ' Berwiek ... ... Stnndard ... ... 83 Temple ton Hiversdnlc IJ J•'itzroy ... J.o \\'ildey . .. . .. 33 JS Syl Y:l.ll ... ... • I Oakleigh ... ... ' Stirling 92 l lnkc of York Onclit ... 1 3 l\lurtoa .. . 9 Riversdale ... 51 )-! 16 Pioneer ... . .. 5 Tcntoniu ... Duke of Edinburgh 94 Colac Wi!dey ... ... 13 Templcton X Templeton . .. 43 I? Phmnix ... s ::\larihyrnong Abbotsford . .. I 95 i:'-t. IWdtt ... ... l<'kmington I 3 Cohw ... 8 ::\Ilu·toa . .. 25 I8 ' Carlton ... ... 5 Tallygaroopnn ... I Gonion ... . .. 95 Shepparton Berwick ... I 3 Wildey ... ... I S J?itY.roy .. . ... 2I I6 19 J West Melhonrnc ... 5 Burnley ... ... i Prince Albert 97 Irrcw illipe . .. Tallygaroopna 13 Riversdale I 8 Kids ton ... .•• 20 23 :z.o St. Crispin ... 5 Got·don ... l'rinee Arthur lOO l\1nrtoa .. . Oakleigh ... 13 Duke of York Sylvan ... zo 39
21 Harmony ... 5 Star of i he ::\orth ... Colac ... I02 Hiversdale 14 llndllah ... . .. I 3 2l Irrcwillip(' Pho,nix 6 22 Wildey ... 5 Sl1epparton llotham Union IC4 Gippsland ... I 3 \\'right . .. I J 11 Sylvan ... Star of the Korth ... 26 23 Flemington 5 Garfield Colfax ... 10) \Vnrrnambool ... 13 Gordon ... 1 Hochc.ster (;ipp~land •.• 20 8 24 J<'itzroy ... . .. 47 Templeton ... I l'loneer ... IO~ Sylvan . .. q: Burnley ... ... 1 Belvo1r •.. . .. ]{oclwstcr .•• 20 12 Z5 I.incoln ... . .. 4'.' s.vlvan ••. ... , Buckingham Io8 Curl ton ... 12
1 Cippsland . .. Gippsland Irrewillipc .... 20 25 32 z6 Murtoa ... 4'l Wimmera . .. '
\Viuchclsea . .. I IO Hochester 9: Dylvan ... Warrnamhool .. . 'Iallygaroopna 19 z6j so "7 Duke of York 42 Jrrewillipc ... I Philanthropic !IO Cnrnperdown 61 ;...; garveno ... \Ve~t l\1elbonrnc Colae Iy 27 I 3 28 1 Brunswick ... 4~ :Fll•tnin[!ton ... lbllarat ... I 14 Wildey . .. 6i llirregurm Camperdown ... I l'amperdown ... I '9 I! 28 i 19 29 · Abhotsford ... 4~ Auburn .,_ ... Devonshire ... IJ4 . Bell'oir 5 Rochester ... li:idston Warrnambool .. . I 9 I! 29; 63 30 J(idston ... ... 4ll Kids ton .. Gippsland ... I 17 \Vest )felbourne I! Templeton St. Kilda ... \Vest Mclbourue ... I I8 Ji JO' 24
Templet on 4~ \Varrnamhool Spring llill n8 Colfnx I I Sandhurst Car! ton 6 Flemingtou 3: 31 I
3 I ... ... . .. 12 '18 37 32 Winchelsea ... 4t \V est ::\felbonrne ... Carlton .. . 120 St. Crispin 9 \Vinnneru I2 Star of the Xorth 6 Duke of York . •. i 18 32' IO
3 3 113nckingham 4] Wildey Yarraville 1~xeel$ior 16 Campcrdown Colfax 6 Cob ram I
... ·-·· 121 ... 11 ... ... . .. I? II 33[ 45 34 Excel;;ior ... +t Cnmpenlown ... :-\L Crispin ... I22 Tnllygaroopna 9 i lrrcwillipc ... 12 St .. Cri~pin ... Teutonia ·-· 17 34i ... 35 1toehester ... 4.! Birregnrra ... Duke of York ... 124 Lincoln ... .... ll 0 81 l\lurtou ... .. . 12 1 1 Tallygaroopna ... I Wright .. . ... ,17 8! 3 5 48
36 37 ,s
Gordon ... ... 4t Duke of Edinburgh 4 ColflLX . . . 4
39 40
Ri versdalc •. . 4 Btwkingham Sandhurst St. Kilda .. . 31
4I Ondit 42 Spring Hill 4 3 Ridgely .•• 44 }.fa rib y rmm g 45 Carnperdown 46 Philanthropic 47 Irrewillipc 48 Stirling 49 Berwick 50 Columbia .••
sI Prince Arthnr 52 Tallygaroopna 53 }.{ooroopua 54 Il{!YOnshire 55 l?rederick 56 . Aurom 57 · Belvoir ss 59 . 6o . Hawthorn
6I 62 63 64 6s 66 67 68
Cobram •.. Oakleigh •.. Garfield .. . 1\:ing· ... . Stanllope .. . Mcntone .. .
69 \Varrmun bool 70 Il~tvillnh ...
71 72 73 74
3~ . ( lndit 3i King 3~ Columhia 3?! BruJJswick 3± };lentonc 3,} ' Hotham Union 3± . Devonshire 3i i Colfax J;} . Murtoa 3 ! Y arra rille
Spring Pioneer
zl\ Vre<lerick .. ' 2?1 1 Hawthorn 2:\- Colac ... z} Ahbotsfor<l 2:i ~t~u}(lar<l .. ~ 2 Hodney ... 1 '1
1 Prince AllJert
1'/ Phrenix I! !Iuke of York 1± l•'itzroy .. . If H. Kilda .. . I± I
0
0
0
o Prince Arthur o Bnllarat ... o ; Winchelsea o ·Aurora, .....
... 1 127
...
I29
!31
IJI q6
I 5 I I 52 154-173 176 1 79 I83
1 Ahbotsford ' Prince Anhnr
Star of the ~ orth . Kids ton Men tone
Berwick ••. , Stanhopc ...
il'hil>mthropic I ?>!aribyrnoug i Gordon .•. i Buckingham
I Harmony ..
. Duke
I Jovonshire ! Auburn ... · Braybrook
Wimmera lJ ndera ~ailllllllrst. Garficld
9 8 8 8 7 5 7 3: \\'est )Ielbourne 7 o' Fitzroy .. 6 I I llevonsh ire 6 Colbx ..
5 5 5 5 4
I6· (rmngeburn
·Pioneer Hotham Union Mentone ... Columbia Philanthropic Brunswick
11 u. Excelsior .. . 1 I Io Pioneer .. . !I 9. Abbotsford r r 8 Men tone ...
7: l'rinee Artltur I
ri 7: Liueoln ... • r 1 6i Columbia r I 5; Flemington rr 4:·wrigltt II 41 King r r 3 i Cob ram
... r 1 2; Brnnswick 11 2 Ilc•rwick ...
r .Stanhope . , . ~I I [u I
I Maribyrnong
r I o Frcderick :I r o Philanthropic 11 o Gonion ... ro IO Yarr~tville
,1o 10 Buckingham ro Io Harmony ... 10 ro Bnrnley ... !0 8 IO 7
... I
4 IS 4 13 4 10
4 8 4 8
Hawthorn Lincoln ... Colac .•. Abbotsford ro 7 !Joke of E<linlmrgh
16 Excelsior ... 4 Spring Hill I Hidgely ..
2 1 8 ]1'rederic k 2 16 Duke of York 2 I4 Pho:mix ... 2 I4 Duke of Edinburgh 2 I r Hallarat ... 2 3 Prince Arthur I 14 Carlton
6 St. Kild~t. 2
0
-I Aurora
!0
5 4
10 o: 9 10 Surrey Hills 9 8 De,·onshire 9 7, Auburn .•• 9 6 Braybrook
9 2 \Vimmera 9 J Under:t 8 Io' S~tndhnrst 6 6 G~trfield
5 7! 1\faribyrnong 5 4 Colfax ... 5 4l Stanhopc .•• 5 z; St. Crispin 5 o; Berwick
i
5 o: Stirling ... 4 gl Pioneer .. 4- 9, Undera ... 4 71 J\fooroopna 4- 3 Mentonc ... 4- 1 St. Kilda .. . 3 8 Carlton .. . 3 8 Excelsior .. .
2 I 2
2
2
4 Abbotsford 3 Gordon ...
2 Tatura Lincoln IGug Bnrnley
! 2 2
2
2
2
7 Braybrook 7 Columbia 7 llavillah ... 6 Ouklei - Prince )
4 Ngarveno
I
2 Brunswick I Il' Yarravillc
0
0
0
-0
g: 8 SI 7: 4i Sandhurst 3 Auburn . 1 · Devonshire o Duke of Edinburgh
5+ IS 59 I7 4'
46 44
6r 29 28 49 35 47
4-0
67
30 53 52 31
34 62 38 42 36 68 6g ss 70 s6
64 66 73 72
1-'
12
THE FOURTH VALUATION OF THE UNITED ANCIENT ORDER OF DRUIDS.
Letter from the Actuary for Friendly Societies to the Grand Secretar.IJ, forwarding Result8 of his Valuation.
RIR,
Office of the Aetuary for Friendly Societies, :Mclboume, zoth April, 1899.
I have the honom to forward herewith my Report on the tlnnucial condition of the CniteLl Ancient Order of Dmitls in Victoria, aml tiH; Funeral Fnnd of the Grand Lodge of Australasht, together with an abstract of the results of my valuation as at the _pst December, 1896, iu accordance with the provisions of the Friendly Societifs Act I 8 go.
2. I regret that, owing apparently to the failure to follow the advice temlered in previous Rcporh on the part. of the ::\Ianngiug Bocly during the l11st fifteen years, the great majority of the existing members are, as stated in the 1897 l{uport, p. 35, paying '·contributions quite inadequate to provide the bencilts," to which with the meagre interest creuitcu the present ath'er:sc position of the J'nud~ is due.
J. ,J. Brennn, Esq., J.P., G.S., e.A.O.D., Gmttan and Drnmmoud Htrects, Carltou.
I have, &c.,
EVA~ F. OWE~, Actuary for Frieudly Societies.
REPORT OI<' THE ACTUAHY.
ABSTHACT of 1he Result of the Fourth Valnat.ion of the U.A.O.D.
Nat.nre of Benefits, i Bcnents.
1--SICK f't::l<DS :~
l:iick allowances payable until the 7oth I \-ear-
DUring fh:st six months' sickness, at. 2os. pet· week . . . .
During· .seeond six rnonths' a.t per week • • . ~ .. ::cecond ::;ix months' siclmess, ::tt
ss. per 1n::el::: . • . . . . Permanent allO\Yances after the 7oth year of
£6 per taken as equivalent to future
FVNE!LU, F{TXD :-Sums pa,\'[l,blo at rleat.h of}lem bcr.;, nt £2o 'Wive:;. n.t £to Seeoncl 'ViYcs, at £ro , . . . .:\f em bcrs in lodges on tside Yktoria at
\Yft~~ in out~itle' Yictol'i~ nt £1o. · "\Yidows,
Total
£
7.199'1~
I,527'II 7C'2.0
--------~-·--·--·~-- -~--------------·
5 >S,89S { tz o 1 r,oz.s
{
"\s Adjusted.
£ £
\ I4f,OI:J !
Ij,879
58,228 IJ,6!.T
388
t:JI,/74
1. I have taken Ratcliffc-',; Experienee of the Manchester Unity Itulcpcnilent Order of Odd Fellows i.n England, I 866-70, as the basis of t.hc Valuation Table;-; cmployc(l.
2. The results obtaine<l, in lhc first instance, ft·om the Valuation Tables have been modified so as to appwximate as closely as wail COllsidcl'ed cxpe<licnt to the quantities which would lmvc been brought out had such tables hoen originally ha;;ed 011 the quinquennial experience of the members of the Branch.
3· The value of the liabilities, on aceonnt of the probable sickness after 70 year,: of nge, has been thus estimated :-The sum eqnivnlent fit, the <late of the va!wuiott to an allowance of £6 per annum for life when 70 years of age has been ,;et- down to the account of each member in lien of the pay then claimable in case of siokno8~.
4· The Vltlnes of the prospcetive income nnd outgo, on account of memb(m; owing more than fomtecn weeks' contributions, have been cxcludetl from the va.lnation.
5· The deficiency shown 1 believe to he due to the iuadeqnacy of the coutrilmtion:; to provide the benefits, the excessive sickness outgo durinf( the preceding quinquennium, t~nd the general heavy fall in the relative income from investments.
13
6. The benefits ;.;ivcn in the Sociclv are :-}fcdieal aLtcn.lance aud meuicine to members, their wives and children tmder the age of eightee~, together with funeral donation~ and ,.;ick pny ~s per scale Rtutcd in the above abstract.
7· The periodic contribution,; paid lly uwmbcr..; for the benefits awl for mauagiug tbc business of the Louges and the Gmnd Lodge~ dtuing I sn-96 are shown in the ~nbjoincd table :-
ANNUAL CONTRIBU'PIONS AT THE 188!, 1886, 1891; ASD 1896 VALUATIONS.
Annual Contributions.
1881 18-40 40-45
1886 16-35 35--40
1891 I6-3S 35-40
1896 f, 16-35 l' 35-40
r
189J:
16-~;
After 2)30
t ]0--35 35-4°
(a) \Vhereof 6s. g-oes (b) \V hereof .JS. gom; (c) Whereof I7~ per
Sick and Funeral Fund.
"· d. (n) 26 o {a) 32 6
(a) 28 o (a) 41 o
(b) 28 0
(b) 41 0
(c) 28 o (c) 41 o
(r') 26 o (c) ]0 4 (c) 39 o (c) 52 o
lifedical and Ma.uage1uent
Furtd.
s. d.
32 0 ]8 6
32 0 ]2 0
32 0
32 0
32 0 32 0
32 0
32 0 32 0 32 0
Total.
s. d.
ss 0 71 0
6o 0 73 0
6o 0
73 0
6o 0
73 0
ss 0
62 4 71 0 84 0
Fnwl.
8. The financial members al. I he vahmti, ·JJ of 1 a year to the Sick and Fnner.d Fnn•l, :tn•l 2+6, fi,;.
qninqnennial age-group~ in I 8y6 were as mul"l' :--
I nmuberecl 7, 578 of IVll\lm were pn.yiug z8s. The me m beri' ut both r.ttes ol' payment and at
~<I>ru~~R o~· FtNANCIAI, :.\fE)tBKHS IN YtcTortiA IN JN Qu:>:\zCEN:\fiAL )!.GI£-GRouPs, AND AT
gAcu Co:\fTumcTION PER A:\::>iU)I TO Tile SicK A::>iD Ji'uxtcTUL FeNo.
Ag·c. ::.8"".
-------16-zo 94 94 2D-25 469 469 25-30 862 863 30-35 1,390 1,390 35-40 1,221 22 1,24.3 40-45 792 79 871 45-so 4)0 so soo 5°-SS 308 16 324 5S-6o r6s 26 I 91
6o-6s 97 19 II6 65-70 7 50 7°-75 2 II
75-80 8
-----
All ages 6,130
9· The Victorian membership it> thw; 8ee11 tu he reduced Rince 189 I by 1 ,694, equivalent to over zo per cent I may also point out that 96 per cent. of the 1896 members were paying z8s. a year, having been initiateJ t•etweeu the ages I 8 an!l 40, or of I 6 and 3 5, and the remaining 4 per cent. were paying 4Is. a year, haTing been initiated between the ages 40 and 45, or 35 nnd 40, as ~hown in par. 8 above.
10. The first valuation of the Sociely was e[fectctl us ut the end of I88I, and was placed in the hands of the Grand Secretary in August, 1883. I attributed the then deficiency, equal to Ifs. 3(1. in the £, "to imtdcquate nttes of cont.ribution and deficient capital." (F. Soc. Report for 1883, p. xxiv.) " Iu order to place the Society in a sound positiou," I added, " I recommend that steps be taken to make the contribution~ adequate to sustain the futmc claims, mlll to make goml so much of the defieiency as is due to the insuffieiency of the pa:-:t payments.'' In his forwarding letter the Cxovernmcnt Statist observed: -''I regret to perceive that the results of tl1e investigation have been snch as to convince the Actuary that the funds and future contrilmtious of the members are totally inadequate to discharge the prospective liabilities in all the branches, in the Grand Lodge and in the Society as a whole. I would suggest that this important matter should receive early a-ttention at the hands of the authorities of the OrdeJ·."
No.
AI 2
3 4 6 7 8 9
IO II I2 I.j
I5 16 18 20 2) 29 J2 34 35 36 37 48 49 so 53 54 75 83 86 87 8g 90
IOI IOS 106 u8 I24 12)
126 135 Ij6 142 I44 150 1)6 162 I66 176 184 r88 I92 I95 197 I99 200 201 zo6 208 210
14
11. J!'ifteen years have now elapsed since that suggestion was made by the inte :VIr. Hayter, awl the snccessh·c tdtcrations made in members' contributions (luring that period are shown in par. 8 abore.
12. 1\Iy recommendation of 1883 I proceed substautially to repeat- -That the Society take the course wisely rlecided upon so long ago 11s r88;, by rho .Melbourne Grand Division, O.S T., and by the 1\Ielbourno DiHtrict, A.O.F., quite recently, auJ allopt a graduated scale of contributions adcrprate to prodde the .Sick and Funeral Beuofits at each member's age at entry, payable by present and future members.
OfHcH of the Actuary for Friendly Societies, :Melbouruc, 2oth April, 1899·
EYAN F. OWI<~N, A.LA., F.S.S., Actuary Hllder the Pricndf.t; Societies Act Hl90.
TABULAR SUMMARY of the Valuation of the United Ancient
Acorn Pioneer Anglesea Stonehenge :Mist le toe l~oyal Oak 1~-:Ul.) l'rince of Wales Star of Hic.hmond Shannon Royal i iak (Balhtrat.) . Aneient Briton ~hamrock Prince ;\rthur Britanni" Trafalgar Tal hot Mona Greens borough ,\ ustralia Felix Canterbury ... {iua.rtzopolis ... Star of Victoria. Ieeni Caractacus Charnwood :-<alisbury Iv.v ... Oliv<' Leaf Boadicct~ :->tar Excelsior Caracloc Wangate llollv Teutonia King Harohl ... Una Norman by Laurel Crescent Uising tiun Cambria (.folden ;·;icklc )-..arrabcrg Howemt ::\Ialvina Albyn Lloegria Harmony Alma Avon Concordia Kew Voltock Clifton Eltbam Elliott Charlton United 1Ltlvcm Euroa Corio Studley
Fituoy I\lclboimw .. . Brunswick .. . Fitzrov ~lellro~I!'JJC ... ~outh l\lelhournc l'itzr:>V Hichn(mHl ... Collin•rwood Hallar~t Ballarat Coburg l\Iclhoume ... Port Melbourne \Villiamstown Tal bot Xorth :J[clbourne t+rceusborough l'lemington l'rahmn Bench go \Varrnarnboul Hidnnond ... J:;,Hdehawk :'-;t,cKiJda ,, South :\Icllrouruc Footscrav ... Cnrlton • Richmonll ...
i \Yiwlsor West Uelbournc ~orth :JJpJbournc l'itzroy Carlton ::\lelhonrne. .Fit.zro}' t.'arlton l'ort :\IeliJourne South Yana Xorth }fclbourne North Cm-Itou Melbourne ... Brighton llichmond ... South :\Iellrournc Ahbotsford Fitzro\' Collingwood South i\lt:lbourne St. Kihla ...
! l'ort :Ylelboume North :?.Iclbourne Kew lla wtltorn ... Clifton Hill Elt.ham Ascot Vale Char! ton c,m]fiehl ... Euroa fcleelong Hichmoull
1861 !867 !866 J867
I 1867 IS67 1867 1
1867 1
1867 I
1867 r867 !867 1867 !867 1867 IS70 1870 I871 1871 1872 1872 IS~'
I8JJ 1873 1876 1877 1877 t877 1877 IS;8 1878 1879 1879 !879 1879 188o x88o 188o x88o x8S1 t881 r881 r881 1881 1881 1882 1882 r882 1883 I 88 J t883 t884 I884 t884 1sss 1S8s 1885 1885 1ss5 r886 r886 I886
~nmber of
.<. d. 161 2J 5 127 23 5
23 4 I
I 23 2
23 4 2 3 5
5+ 2 3 + 7> 23 8 96 2)
+8 23 31 23 40 23 4 69 23 4 70 23
I JI 23 23 23 10
Ij4 23 9 22 24 3
ro9 I 23 s IJ+ I 23 7
79 i 24 0 35 2 3 7 90 23 I l
29 24- IO 66 23 4
t+3 23 9 217 Zj 7
63 23 6 62. 23 9 JI 5 63 23 10 58i2Jll 46 23 4
23 6 2} 5 2J 9 24 0
59 s6 +3 45
114 ZJ 44 2J I 72 2J 4 38 2+ 0
I 7 2 3 I I
24- 2J I 29 23 I
48 23 8 44 23 22 2J I
J2 23 5 I IO 2J 6
29 24 I
3i 2 3 4 10 23 I! 22 23
73 2 3 5 93 2 3 5 4 2J
51 23 5 2 3
IS 23 Jl 2 3 I
40 23 8 52 24 0
9 Yr.<. I Yr>. 34-'f' 38 J8~ 431 -34t 37~ -'61!' j8f-
+ 274 10 i+ zi :+291 47 i 64 +z8s 22 I IS J04
~61! 40 -38!. 41:} + ,.,. 40 +
31 2 308 19 22 196
3~~1' 4-0 . -Si 4.+437
721+231+275 3!-L} 40~ 7 44~: fl 39*1 4d -40.]1 42 -
)I 681+120 67 30 + 386 I7 + +259 2I '+ II +J2I
35{ 39 I :-
37~~ 42f ~ 37~1 42~ -46~1 +7~ -361 38! -35~,: I +2
26 6 + 302 53 I 16 +410 41 i+ 2 3 +296 I7 71 i-I6J 34 + 52 +z6o
He: 37! I 3 32.1: 35'}- 2.8 33 j8f+ 6I 40 4If- If 3 5 3 8 I+ 22 48 49~1- 74
36:11-33 39 - 2 9 j6~'- IS 3 sl- 59 35~i- 1 5 40 I+ +5 37'•': + 4-0 17 39~:- 2 5 37tl- 23 53 37-i; 57 40 38 - 18 29 39 + I2 35 36!1- Il I+ 3I 36r-- 31 16 37~ -- 43 34~1 + 26 38:]- 49 34 36~ 36 + IS 38~ - 2 I
35! 1 + 27 33 ! + 35 38{- 29 3+ + 37~
28 0
34-! + 91 3c~l J+JI+ I
34~ 1 - 59 34 : + 32
35}1 . -<
34i + so 40~1 ... 3I:tl o + J2i - 59 34 :- 39 34~ - 26
+224-
+ 331 + J62 +204 -j- 2 39 + 578 + JOO
338 +276 + 367 + 252
+450 +J6J +4I3
580 +490 + 548 +4 1 4 + 345 + 333
Rate of lHterest.
13 14 C/
/;; i /o 3 I J 5~ I 4 4£ 3 4~ 3 5 5± 4't
3~ 4 3
5 3 4-± 3 31 ! 3 4 5 31
3 3~
41 3 41 3~ 4± 3 6 I 4} 4 I 3
4 +~ 5 5?. 5 zt 4~ si s± 4-l!
3!i 3! 4~ 4:! 5 3 4~ 4! +li. 4± 5 6 2
411 I 4~
4:1: 4:! 4~ 4± 4~ 41 3 4n 3 4± 5 4 !
3il: 2:} 41
I!! 4~
3 3 4 4~ 4 3
4 4 3~ 3 3 3 3 3-~
3 3 3 3 4 4 3 3 4 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3
* \Vhen u. Lodge possesses fewer tihan 30 membets, or when it has
15
Extracts }1-om the Report of t!te Actuary on tlw Total Lodge Sick Funds and Grand Lodge Funeral Fund.
Total Lodge Sick Funtl8.~Thc deficiency shown I ],eJievc to IJC due to the insufficiency to provide ihe benefits of membcr1<' eoutributions whieh an: less thau at the r89r vnluation; material increase in the sickne~s outgo 1\11(1 in the c,.;timate,[ future liability ; the uotablc fall in tile iuterest realized and iu that assumed in the Yalmuious, with itwn•ase in mcmbcn;' a\"Cragc age.
Grand Lo(lgc Funcrnl Fnnd.~l'he deficien<'f cd10wn 1 bcJieye to be Juc to the inadequacy of the contribution~ to provide the benefit;;, eonpled with Jlw increase in the liabilities conseqnent upon the material reduction in the returns from investments tlnriug thl· preceding quinquennium.
Order of Dl'l1itls, n . ., at the 31st December, 1 ll96.
ltat.io to Liabilities pet· £ of t.he-
No.
8,LJ-.j. ),707
/.446 6,699 6,072 7.88;:> ],2 I 2
],)06 ;.)61 2,291
J ,JOJ 1,68o 3,31+ 3,7 2S 6,6SS I,073 G,sn 1,024 4,zog 6, 5s9 3·240 1,467 4.47 2
1,493 3.886 6,z8o 8.630 3,oog 3>+43 1,1)4
J,o6+ J,l) I 1,64" 2.491 2/>72 I, 7 5 I 2,739 .H35 1.936 2,356 1 ,9 14
933 Sg~
1,431 2:20)
2,38 5 98+
I,4II
s,Jo8 1,169 2,145
4+'
4,9 2 7 z86
2,+69 314
1,1.43 1,3 56 1,9)1 2,612
5 11 3,+73
)51 2,)02
3·574 1,74-1
701
2,)17
I.COC
1.492 2,914 1,143 1,6;:>4
97 5 577
172
I,+9+ 1)6
753 920
1,279 I,6IJ
1,171
66!
7Jl J ,229
33 8z6
1,144 1,978
9"7 714
I ,IS 2
545 1,298 1,521
476 940
I,z8g 1,044
742 887
2,28 i
1,035 925 J09 490 zg8 3 ss 882 774
22
399 1 39 227
420
477 461
L377 918
1,100
z,I 3t577
739 s,s62 1,I81 +.:;z8 4·7+5 2~+"'.::2
I ,432 3·7+6
5+2 ~}721
4,4+1 6,7J8 2,602 2,5 22
1,842
2,192
2,9)6 2,)6+ I ,j 55 2,]06
2,289
2,536 J,6 )6 2~030
3,889 1,692 1,254
918 I,j 36 I, 18 3 1,824
1;325 I ,79~ 4,II7 I,ooi I,)SO
6oz r,c8+ 3,117 J,53°
I,J40 1 ,; s6 2 ,074
been le~~ than fiq: ~ e::n·s in existence, its experience i~ not ahsbraetL·(L
157 II9
688
94 I ,533
J21 20
!61
£
2,759 68
553 2,+I9
582 1,227 2,372
9 14 J85 53" 245
1,)65 31 1 I I
3J4 9)0
I,84+ 8:;8
35 726 95 1
I,I65 r,S 39 I,892
407 <)21
203
I,679
222
95 822 56!
1,191
I68 s6s
I 19 z66
I,J97 92
576 19
I6j !6
I9) s:;s
:!:J ~!
£ s. £ s. I I I 3 - I I C)
22 I) + 3 4 I 2 _, I) 8
19 9 - 0 8 13 '9 - 3
7 - IO 12
1I IO - 6 I7 12 - '4 19 16 - 18 I+
2 2 - '+ 7 IO 6 I7
14 I8 4 I9 4 9 7 I2
II 0
- 12 18 - 2 15 - I7 4 - I9 6 -- 1 I 3
IO 4 - 4 !J ,..,., IO + 5 12
J+ I9 + I 0
619-110 6 !8 - 8 IS
I6 12 - o I6
9 IS - 5 I) - :;o I4
9 4 - I2 19 6 4 -IO 0
7 I J I I I
8 8 35 r6
6 I8 IJ 17 28 3
7 14
14 3 26 6 I4 I8 5 6
13 I7 26 I 8 I) 5 26 13 J1,
IO I6
22
27
6 9
8 9 8 5 7
9 12 :1.2 rS IO II
8 II 6 1
- 7 6 4 17
- Io 17 20 I/
-I I I
- 2 8 . + I7 2
I7 9 0
r8 0
9 I
14 7
I4 5 4
7 4 3 2
2
8 IO
- 2 12
- IO J8 2 I) - 11 10
!6 8 7 17 8 -- 2 8
6 !8 4 19 IO 0 - 0 8 84--37 6 6 7 7
z:; •. d. 9 3 9 9 11
IO 0
IO 5 9 ro
10 + 9 IO 8 10
10 10
!0
9 5 i 10 8
9 2
8 7 9 6
10 8 10 9 I I I I
IO 10
ro 9 9 7
Il 3 6 10
9 9 IO 6 II o 11 l
s. d. 5
12 8 2 8 9 IO 7 10
4 l 6 2 9 2 8
:1,
4 0
3 8 7 II 2 .s 2 z 4 3 6 5
12 4 8 8 3 7 4
10 0
0
4 3 4 6
10 6 ' 4 II 5 IO 9 IO 6 I2 9 10 'l 10 1.
II
10 11
re II li 10
13 10
IZ II
7 2
5 8
12 4 9 I!
10 11
IJ 3 IO 10
I2 0
II IO
IO 2
I 3 I o IZ I
IJ 2
20
!8 3 7
14 7 2
9 7 9
9 2
I9 5 7 6
14 6 8 IO
6 4 2 8 4 5
13 8 14 8
3 6 5 4 4 7
IJ 6 !I
3 IJ 2 2
12 0 7 12
9 I I 10
I3 2 4 0
IJ 7 6 2
IJ 4 !I 12 4 3
27 ,;, d. I4 8 21 9 12 7 19 IO
IS 3 IJ !1
I 6 5 12 7 !I 6 12 0
14 I
IJ I
I8 7 I I
)0 9 IJ 9 17 2J 20
14 14 10 1 9 7 r6 9 7 3
14 14 2,
IS 7 I7 4 14 8 31 li
14 4 r8 9 JI 3 I4 17 26 2 I8 6 IJ 8 21 0
33 17 26 I! 20 6 !8 8 I2 7 . 15 4 i 26 II 25 6 I 5 6 I7 2
I4 9 Z7 4 I8 o I
IS 5 ! I4 4 i '3 7 IS 4 18 9 17 2 rg 9 r8 o 15 ll
AI 2
3 4 6 7 8 9
IO
!I
I2
I+ 15 !6 18 20
25 29 32 34 35 J6 37 48 49 so 53 54 75 83 86 87 89 go
IOI
TABULAR
No. Lodge. Whcl'C oituatcd. "E "5i § j ~
2
220 llurnley Burnley r887 225 Ivy Leaf Yarraville 1887 2JI Austral 1\fc I bourne ... 1888 234 Echuca Echuca r888 2J6 General Gonlon Scymonr 1888 238 Bacchus Marsh Bacchus 1\Iarsh r888 241 Alpine l~lstcmwiek 1888 242 Kerang I~eru.ng r888 247 Sandhurst Rcndigo r88g 2"" )/ Nelson Newport r8go 258 Stanley l'\Iaryborough r89o 262 Aberdeen North Ji'itzroy 18go 264 Gwali:t Northcotc ... 18go 266 Surrey Surrey Hills 18go z68 Bairnsdale Dairnsdale ... 1891 277. Honeysuckle Violet Town 1891 273 Mildura ~Iildura 18gr 2 74 Middle Park Middle Park: 1891 284 \Varragul Warragul 1892 z86 Conquest Brunswick ... !892 }02 Granite Beech worth 1892 307 Golden Gate ... Steiglitz 1893 3°9 Kil Deiiperandum Hutherglen .•• !894 }12 Koru m burra ... Korumburra 1894
Total Lodge Sick Funds
d L d F l F d fLodgcs in Victoria ... Gran o ge 'unera un lLodges outside Victoria
The whole Society, Valuation, JLodges iu Victoria ... Jrst December, r896 \Lodges outside Victoria
The whole Society, Valuation, {Lodges in Victoria ... 3rst December, 189I Lodges outside Victoria
16
SUMMARY of the
l'l·umberof-
s.
31 27 23 g6 78 23 4 29 26 23 6 31 23 25 6 2" 20 .,
I .. ,
12 23 22 17 23 I
+' 28 22 6 42 24 23 5 i
36 JO 2J 37 23 23 47 32 23 4 46 27 2J 4 16 15 ZJ Z4 18 23 18 2
I 27 4 II
44 33 I I8 li
23 7 44 4
5
Valuation of the United Ancient
i Experience <luring i ' Quinquennium greater I
!late of 1 ( +) or less (-) than, or Interest . . equal to (=),that of the
-~·---
~I. U., England, r866-7o. *I----
61 29 I 0 J2'l - J& 29l 21
27 I PI sr 24~' 3°li ro 30;; }2-t, -1, 28 I 33:\l
I 3 ·1' )4-}1:\'i 3Il 0 37. 29 29 JI 29 i 3Iil
373
- J1 '+432 - 24- +604
J6 ·!· 257 6 + sr6
+ 87 + 39° IJ + 543
,- 87 + 309
+ 2.! + 327 + 21 + 327
!
% 4" ·• 3~ 5! 4
3 3 3 3 3 3 3
3 z.n.
4
zf-z~ 4 !
0 0 2 0
0 0
• When a Lodge possesses fewer than 30 mem\Jers, or when it has been
17
Order of Druids, as at the 3 I st December, I 896-conttnued. -----~----
Liabilities. Assets. Ha.tio to per£
,..;
~ " :;; No. ;::;
~- '"' '"' ~ :::.
"' !l " ~/:
~ 'il ~ 1 "' ·~ " " "' q w 0 <
21 22 2() 27
£ £ £ £ :£ ,£ s.: s. d. 8. d. s. d.
955 6rs 377 99 2 37 12. 4 12 IO 7 11 20 9 220 3,01 I r,829 ::\94 2,123 888 5 12 2 1 Il 14 22)
1,040 6p 299 93 1 109 10 12 ::\ 5 9 p I !I 2JI
1,004 708 355 1,063 59 li 14 7 21 z 23+ 940 598 262 86o So 9 12 9 7 r8 4 236 419 z6s 101 366 53 8 12 8 4 10 17 6 238 7°7 487 304 791 z+ IJ 2. 12 8 8 0 20 8 241
1,353 917 4'7 1,334 19 10 9 '3 7 6 2 I9 9 242. 1,337 975 II6 r,ogr 246 2 p
I '+ 7 9 I6 4 247 I ,171 8or 214 I ,or 5 rs6 5 7 13 8 8 17 4 2)7 1,225 sso 99 949 276 2 9 I3 !I 7 IS 6 258 I ,8 I 3 r,oS4 122 r,2o6 6o7 2 r8 !2 0 4 IJ 4 262 1,517 r,oss IJ8 r,233 284 3 13 II 2 4 r6 3 264
562 351 202 55 3 9 12 12 6 7 2 19 8 266 847 525 276 8or 46 ll 12 5 6 6 18 li z68 653 382 104 486 167 !I 9 3 2 14 I I 272 936 619 rgz 8rr I3 13 3 4 1 17 4 273
1,:1.49 987 219 1,206 0 15 IQ 3 6 19 4 274 625 428 29 457 7 13 9 0 II 14 8 284 767 539 91 630 I9 I4 0 2 16 5 286
It+70 1,022 I4I I ,I63 0 I3 11 I I! 15 IO J02 IJ2 II2 r8 qo 8 13 2 I) I J07
1,699 r, 162 91 1,253 i 13 14 9 3°9 571 400 21 421 0 9 14 9 312
----------
223,s 5s r::2,o84 61,422 183,so6 G r6 33,024 25,822 )8,8+6
~2J,858 rss,xo8 87,:1.44 2.42,352
2Io,oo6 rh,n2 72,8 32 253:94+ 6 - 3 10 17 8 1891
------·~
less than flye ,rca.ra in existence, its cxperienl'c is not abstrm:kd~
c
TABLE showing the rolalhe po,JtJon of the Lodges of the United Aucieut Order of Dmith, as at
s
i "' -~
" "3.1 c.;
Lod:_:·p,
l\lona Crescent ...
3: l'ioneer ... ' Star of Victoria
Ivy Leaf ... Hoyal Oak (South
y[clbourne) Salisbury Ivy ... :\listletoc ... l:l tar of H ichmom1 ...
Harmony Burnlcy l) tonehenge Britannia Trnfalgar Canterbury Chaxnwoo~l Olive J>eaf
Swkuc:os Exueriencc. Capital per Member, and Ha',io of
J.
1-Ddgc.
0/
(," ;-;:m d llllrst 6 (
'"' 5~ 5~ sJ
51 'l >~
5 5
4~ 4.'i ·•" ""1'1
4!.1-
4~ 4-l! 411 4! 4!
Gwalia Conconlia Gohli•n Gate .\Iah·ern ...
llacdll!s ::\Iar:<h 1\.:crang Ba.irmdale Austral , h·y I>eaf. Cambria .•• Harulml,. Cl if toll ~ Corio Kew
Elliott Avon Voltock Cresc<:ut ... Stuuley ...
2.
Lodge.
Australia Felix
••• I
. . . I
···j
Ballarat)
1\cw PriueP A rtlwr Stanl<'Y ... C"raduc ,,
, 8tndley , .. Priuce of \Val('S Elliott ... i\listleloe, ..
Ancient Briton ~la! vem . ;-;ham rock 11 arlllony Britannia •·· I
64 6) 6s 68 69 69 70 71 76 Sr
8) 87 9"' 94 94 95 95 96 97 98
Lodg·e.
Star Wangatc ... Llovgrb . ., C'l'escent ... King Hnrol<l C:ambria ...
Concnrdia PiotJf•er ... Greensboron"h All•yn "
s~.onchcngt~ Charlton \·uite<l Star of Victoria Camdoe ... H.l8illg Sun Au~tralia Fclix l'rinee .\rthur
Teutollia. ::\listlctoo
.Laurel
Sickle
Aeorn l'rince of \\' aks Baimsdale I~:ehuea .~
Olinl I.caf
I os Yurrahorg reS Kcw 111 Anstml 11 I ::\lonn 1 16 , l\:erang
~
" .§ ;:..
2·
Lodge. Lodge.
.£ s. : s. d. 16 I\!i<ldle Park 3' San<lhm·,t
... :15 ro' Star
... ~14 -· Cre£cent ... 5 Echucn ...
I~ I'OIHJlH'> t .. , 26 6 Korumbnrra 26 I Stanlcy
22 I:S Gwalin. '22 1 Granite
• •. 14
n1Albyu ... 1 I j Coucordia
22 re Concordia 22 S Warmgnl
13 Pioneer .•• 13 li reeusboroug·h
'9 , :\el~on ... : '3 17 S .:\il Desp~ramlmn ,., 1'3 16 Crescent... . .. 13 15 Ii' Enroa ... lq I) ]((~fH.Jlg .. . •• • 11 3 14 1 Albyn ... lq 14 :\Iild lll'a ... I IJ 14 1Si Voltock ... i•3 14 3 :\lail·crn lq q 19 Corio i'3
13 1 i Golden Gate 13 r6· Burul<·y ... 13 12 \\'angate ... 12 !J. ("cneral Gonlon
· 12 llacchns l\Iarsh 11 Alpine 11 10 ::inrn·y
1 1c Cambria ... II 9 Bairnsdalc 11 r. Yarraberg
... 110 r61
:"Lndley ... •••
1ro 11' Jyy LPaf.
••• ,Io 6 Auslrul ... ;10 4 Kew ... i 10 3: Elliott
.. •• ! l 2.
12
2
:12
12
'12 . IZ
IZ
:I 2
12
12
8 Star of Yictoria. 8 ~toueheugc
Lnurel ... tiolden Sickle Charlton United Australia Felix Caradoe ...
z, L'rmec Artlmr 1 1 Burnley ...
c, Mistletoe ro Una 9! J:i"ing Sun 9 8nrrey x: Tcutonia .. . 81 Echuca .. . 6 Hairnsdale S!j MOJm 5 Yarr: 4 Oliva
4~l~uroa ... 2 1 herang ... z' Prince of '\Vales I! ]{ew ... .
IlAustral .. .
of Interest, Average Age,
...
Lodge.
tl.\ 20 6' Crescent
si 8tar ... 6\ \\'angate .,.
'14 9'1 Concordia. 14 8 Cam hrin .. . 14 6, Alhyn .. .
I
13 8: King Hnrold I 3 6: Lloegria ... 12 gi Greensborough r 2 J. Pioneer
TO J~chuca 9 L:mrcl 9 Bnr..ley 8 10· Alpine 8 10 Australia Felix 8 8
1 Golden Sickle
8 1: R,tonehen~c 8 oi ~uroa 7 1 I: ];emng ...
... 7 ll Snrrey
... 7 ro 8tar of Victoria
... 7 7\ Mi~h.lle Park
.•• 7 6, BmnHdalc
... 7 z· Caradoc ...
... 7 1 Charlton Unite<! 7 r: Yarml 6 61l'rin<~e 6 5 lJua ... 6 4 Voltock ... 6 z~ Geneml Goruon
6 2' Mistletoe ••• 6 2 Kcw 6 r Coria 5 rr Austral
9 Hising Sun
" :~ ~ ., .:::: d -;;; c.;
7 A.
~
~
2
24 3 6
7 4
!6 14
48 I I
67 ss IO 27 21
2)
49 8+
d!
78 9
34 37 19 42 22
63
...... 00
Bacchus Marsh ... '4~ Bmnley ... . .. ,34~ No.rmnnby ... u6 · Euroa olllarmony ... 12 Gen0ral Gortlon ... 5 ;;Bacchus i\larsh ... 117 61 S'l Shannon... ... 4.t Elt.lmm ... 35:1 J::xcelsior ... 117 ]Iceni ... ... I•:Jtham ... 12 lcrni ... ) 6: Olin> Leaf ... ''7 4
1
. 45 Talboi ••• 4t H<!l~eysu.cklc .... ~~:]; ~~one.henge ... l!8
1
General Gordon ... Abenl.e~n <' • • ... 12 Acoi:I' ... ~ 5; X~lso1~ ... ... ~~~ 4 64 Caradoc ... . •• 4+ OlneLeaf ... J)~ lwnecr ... . .. 121 1 A\on ... Austr.dutl<ehx ... Alnu .•• , 4• i\lJldma ... 11 1 4. . .. King 1Iarol<1 _ +:f Bo:Jdicea ... ... 35~ P.oyal Oak (::louth 122 I.Alma ... Laurel ... Voltock .•. ••• 5 3 Teutonia... . ..
1
117 31 29
I Mclhourne) I I Star of Richmond... · Charnwood ... 9 4 Alma ... ... Corio ... I 4 11 Alum ... 117 2i 6o
. • '" ~r.a:falgar Voltock ... ~ II: l}oney"u.(;kle .•. Bn.cchus )farsh ... 4 IO i\fahnn ... . .I zl 41i ]towena. ••• . .. ! 41.· Canterbury ... J 35:;_.,_
1
Cl.Jft~n ... ••. i\. Ialvnm ... ... H 91 holden S1ekle Ivy ... + :\Ion~ ... ... 17 11 :;z ~lbyn ... • .• i 4ct •.• 1 36 ~~alvm~ ... Boad1cea ... . .. 8 S 1'1.\·on. ... 4 Ic~m . 16 9 35 J\.cw ... ... ' 4.l . .. 36.( J eutonm... ... Hacchus :\larsh 8 llaro Id .. . )la! nna ... ... 4 Pnnee of Wales I 6 s 52 Corio ... ... 'I 4} Norrnanby ... 36}
1
1.Tna ... ... , Corio ... S Talbot ... 4 Couquest... . .. ,I6 5 .•. Studley ••. 4:!- Ivy ... .. .. 36'i
1 Qimrtzopolis ·Holly ... ... Charnwoou 4 Sandhurst ... 'r6 41 ;o
Ancient Brilon ... ' 4 I Cna ... ... 361j ::lalisbnry ... · Ivy ... ... ... Boadicea ... 4 Gwalia r6 31 59 Grcensborough ... 4 Golden Sickle ... 1 36'1: Howeua . Talbot ... ... Hoyal Oak (South 4 I ::ltudley ... . .. IS 11 13
Melbourne) qo Ancient Briton 7 IC': Qurtrlzopolis ... 4 I Granile ••• IS
140 ::\Hlclnrn ... 2 1\ormanhy ... Mildura ... . .. 4 I hy IS 511 33 142 Royal Oak (South 7 I :\Ia.lvina ... .\ndent Briton 4 Harmony ... ,I5 62
Melbourne) Kemng ... 4 1 J,aurcl ... Star of Victoria ... 143 Canterbury ' ... 6 Horal O:tk (I3allarat) Malvern ... ... 4 St.mlcy ... 'I) 6
1
68 ::\1ildura ... 4 Alma ... [vy I47 Qmtrtwpolis 6 Canterbnry ... Holly ... 3 :'llHIYimt IS 4 so Royal Oak (llallarat) 3~ A ustmlirt Felix hy J,cnf ... 147 Excel,ior. . ... 6 rS Llo0gria ... ... Shamrock 3 8 Elliott ... . .. " d ' 20
Prince Arthur ... 3'/ Excclsior ... (Hive LPaf 148 ~.[aln:rn ... 6 I8 Grl'L'llshDrongh ::-l·tlisbnry ... 3 8 Golden Gate Star ... ... 3} Acorn ... ... )fona ... Nhamrock 6 17 (._)rmrt;,opolis .\•·bon ... 3 8 lloneysncklo Elliott ... ... 31 lceni ... ... Boadicea ... ... Harmony ... 6 7 Execl"ior ... c,..ntcrbury 3 7· <).nartzopoli:' 14 5X 51 Hoadicea ... ... 3·~ Teutonia ... ... Caraetaeus ... Stmlley ... 6 6 l'rin(•e Arthnr E:\.cdsior... ... 3 7: Avon ... . .. I+ 59 12
"' General Gonion ... 3~ )Iona Anglesea... ... Salisbury... 6 4 ~!oml ... ... Stu<lley ... ... 3 71 Xil Despenmdum "' "~
Xelson ••• ... 3~ Qnart:wpolis i:ihannon ... ••• Cliftnu ... 6 1 Salisbury... llarmony... 3 6 Korumbnrra Echuca ... ... 3{- Hi sing Sun ... lceni •.. ... Xelson .•. Bon.dicea ... ... :\li<ldle Park ... 3 6 Acorn ... • .. 1 I4 :si In 43 Acorn ... ••• 3 Howcna ... Acorn ... Shannon ... CMad•w ... . .. ,xo Elliott ... 3 3 Boadicea ... ... II4 8; 63 IS llolly ... ... 3 Stonehenge ... Aherllecn ... ].:Jiiott :\]i,tldoe ... 10 Clit'ton ... 3 2 Warragul ... 81 64 ... Alma ... 3 Llocgria ... ... 1\ von ... lionc•ysncklc ... Priuce of \Yalcs Io 4 llonc~·snckle 3 z! Canterbury ... s: 65 47 Concordia ... 3 l:'rim•e Art.hur ... Charuwood ... J\n!!lesea... ... Holly ~... . .. Io :;I Htar of Hichmond ... 2 9' 'Excclsior... 4' 66 76 Alpine ... 3 Salisbury ... ... ... .~t.ar ofHichmoml ... Teutoni:t ... . ..
1
1 Io 2' 1\or.manby ... 2 9; C'lifton ... 4, 67 36 AlJerdeeu... ... 3 King llarold ... ... ... Howen:t ... ... Hi>'ing Bun ... 10 z Anglesey... ... 2 8, Salisbmy ... 2 68 2S Gwalia .•• ... 3 Caradoc ... ... ... .. . .Korma.uhy ... Avon .. ro 2 ~haunon ... ... 2 Si Ancient Briton ... 14 1 69 39 Surrey ... ... 2~ Mistletoe ... ... ... ... :\liddle !'ark Aud<~nt Briton ... ! IO I Howcna ... ... 2 si llolly ... . .. 14 I 70 69
z& , l'rinee of \Yaks 40 ••• Britannia... ... f'tonehengc .•. ~Io I Britannia... ... 2
1
!vy Leaf... ... 114 1, 71 41
2~ Star of Richmond... 40 ... ... Trafalgar... ... A ll!!icsea ... . •. , 9 11 Conq nest.... ... 2 Charnwood oj 72 40 z± Star ... ... 40 ... Conquest... ... Howena ... . ... 9 11 G walia ••. ... 2 Royal Oak (~onth 111 "1 82
l\1 z;\ RhmmoH .•. ... ... ... ... Gwalia ... ... Chad ton UniiNl I I Trafalg-ar... ... 2 Tal hot ... . .. I3 9. 93 2! Charlton United ... ... ... ... Uolden Gate ... 3 I2·ll{oyal i.l:1k (Sonth Gol<leiJ Gate ... 2 I l'iorHwnby .•. 3 81 90
:\lelboume) z RoyalOak(Bnllarnt) ... ... .., .•• Gmnire ... • •. 3 41StarofHiehmonJ ... 9 hyi.<·nC... ... 1 II Elth:m1 ... 13 7 85 2 Ho}al Oak (Houth. ... ... ... :Ivy Leaf... ... 3 I Charnwood ... 9 Granite ... . .. 1 II Aberdeen ... 13 4! 65
Melhoum_c) ... j • , • .. • • . i .Ancient Bnton ... ... . .. '.hltlmm ... 2 I)· Star of\ rctorw .... 9 Snn<lhnrst ... I 9 Slwmr~ck ••. '3 I' 66 8taT of Victoria , •.. ... ! Sandhurst ... 2 15 Talhot 9 Elth"m ••• ... I 7 .Anglc~eu.. 12 71 75 Shamrock ... I ... ••• ... ... i'tanley ... ... 2 :->hann·m•k ... 9 8taulcy ... ... I 7 btar of RichmoiHl... I2 7 9I
TABI,E showing the relative position of the Lodges of the United Ancient Order of Druids, as nt the 3 rst December, I 896, in respect of Rate of Interest, A veragc Age, Sickness Experience, Capital per Member, and Ratio of Contributions, Capital, and Assets to Liabilities in the £-continued.
2 .Si 1ii 0
"" Lodg·c.
Middle Park Warragul
83 1 Conquest ... 841 Golden Gate .. . ss I Nil Desperandum .. . 86! Korumburra
1.
~" o-.!'l§ "" »::-<:
%'
Lodge.
'I Greensborough o Britannia ... o Trafalgar .•. o Pioneer ... o Taibot o Caractacus
Lodge. J~odgc.
Aberdeen ... Royal Oak 1_.o><Hanu11
Nil Despcrandum ... Warragul. .. Korumburra Caractacus
4.
~ ~ ;::; a; "' I
I .. odge.
Acorn Britannia ... Pioneer ... Shannon ... Trafalgar Caracta.cus
5 I ~ 7. I 7A. I ....
0>
~
" 0
T,odgc. ~ -~
-·~ ""' " o.~ ;. o:;::::
~ :r;:...c
~~ »::
s. d. s. A herdeen... ••. 1 4 Rowena .. . ... 12
Royal Oak ••• 1 z Royal Oak (Ballarat) 12
Nil Dcsperandum .•. I 1 Britannia... ... I I
Warragul... ... o II Shannon ... . .. II
8I So 82 94 83 8g
84 86 Korumhurra. ... o 9 Trafalgar ... 10
Caractacus . .. o 5 Caractacus ... 7 91 851 87 3 86, 95
I
~ 0
21
THE FOURTH VALUATION OF ST. PATH.ICI\.'1:) SOCIETY, :\IELBOURXE DISTIUCT.
Letter the Actuary j(n· Sncieties to the ])i.~b·il'f.
his Vnfuation.
Results
Office of the Actuary for Friendly Societies, :Melbonrne, z8th April, 189y.
SIR, l have the hononr to forward herewith rny Report on the linancinl eon!lition of the Rt. Patriek'~
Soeicty, :Melboumc Distriet, together with an abstract of the reHultH of my valnation as at the 3 Ist December, I 8g6, in accordance with the provbions of tl1e P1·iuu1fy Societies Act I 890.
z. I am gln(l to fiwl that the preoent invesli,gation.likc the t\Yo prc(•etling of 11\91 aJH! I886, exhibit~ the as~ets a~ so1newhnt in excess of t!w liahilitie~.
E. B. Daley, Esq., U.S., St. P.S., Melbourne Dist.rict, St .. Patrick's llall, Melbourne.
I lmvc. EVAN F. OWEN,
Actuary for Frieudly Sodetie~.
REPORT OF THE ACTUAHY.
ABSTRACT of the Fourtu Valuation of St. Patrick's Society, Mclbom'HC' District.
Nature of Benefits.
SICK FUNDS :-
Sick until the 7oth year-During mon tbs' s1ckne~<s, at z.os.
per .. •• •• •• During .second six months' sickness, at
I os. per week . . .. .. After second six rnontbs' slckner:s, at 5s.
per week .. .. .. Permanent allowances after tlte 7Cth yenr of
£6 per annum, taken us cquivulent to future sick claims
FU::<IEI:A.J, HJXD
Sums payable at lfembeTs, at \YiVCft, at £10
of-
NULuber ol
llencfits.
477
J12
Annunl Uontributious a.ppllcallle to Hick nnd
Fuueral nenetits.
AYcrugc IJ.'ohtl. p<'l'
.Member.
s. d.
Yaluc ol Contrilmtion:-:.
£
9.JJJ
2,242 -------
Yalne o[ Sick aml Ji~mu::ru1 llenefits.
I I
Il ,2<)9 il 1,226
t,6JO
! r 4.599
I
I 4,657 :I
97> ],377
Totul 799 1!,575 24,38+ IJ,16J 15,458 .+2295 I
1. I have taken Ratcliffe's Experience of the Manchester Unity lmlepmHlellt Order of Odd Fellows in England, 1866-7o, as the Lasis of the Valuation TableR employed.
z. The results obtained, in the first from the Valuation Tables have been modified so a~ to ltpproximate as elosely as waR eonsiderc!l cxpc<licnt to the quantities which "'ould have hceH brought out had such tables been originally basml on the quinqueuniul experience of the members of the Branches.
3· The value of the liabilities, on aeconnt of the probalJle sickHcss after 70 years of ag:e, has been thus estimated :-The sum equivalent at the date of the valuation to an allowance of £6 per annum for life when 70 years of age ha~ been set down to the aeeouut of eaeh member in lien of the pay then claimable in case of siekncs~.
4· The values of the prospective income nml ontgo, on aceonnt of member::< owing more than fourteen weeks' contributions, have been excluded from the valnntion.
5. Tuc surplus shown I believe to be due to the aLlequacy of the contributions to provide the benefits and the relative magnitntlc of the total capital.
6. The decrease of the average contributions in I 896 compared with I 89 I L; the result of the increase of the }1edical and Managc>ment Fund contributions in I 895 from z4s., z6s., ami zg,;. a year at entry-ages, 16-30, 30-35, ami 35-40 to z8s. a year at all ngcs, producing a corresponding reduction in members' Sick and Funeral payments of Is. 10d. a year per membct· ou the average.
7· The surplus shown in the Siek Fnmls, I believe to be dnc nmiuly to the magnitude of the accumulated fund of the Melbonmc Braneh, relatively to its membership and liabilities aml to those of the other Brancl1es ; the capital, membership and favorable Hiekncss and investment experience of the Abbot~ford Branch (see Tnbnlnr Summary) had also a beneficial effect OH the total result. The surplus in the District Funeral Fund, I Lclievc to he due principally to the magnitude of the capital proportionally to existing membership and liabilities ; the since 1891 has arisen from reduction in the contributions-value accompanying rcec:ssion of members, and in the rate per member from zs. a quarter to OHefifth that provided for sick and fnneral purposes ; to the reduction also in interest "obtained" and "assumed in fnturc" with the increase in lia1Jilities dependent thereon, and on the increase in age.
Office of the Actuary for Friendly Societies, :Melbonrne, zSth April, I 899·
EV AN F. OWEN, A.I.A., F.S.S., Actuary nndcr the Friendf;y Societie.~ Act 18go.
22
TABULAR SU1fMARY of the Valuation of the St. Patriek's Society
No. nraneh, Where situated.
s. d. Oj o; /o /o
Melbourne 1\Iclbourne ... 1862 2JO 1'7 ), 2.j. + 21 + J02 3:1: 3 2 Brnnswick Brunswick ... 1870 45 34 26 0 +z3 +531 4 3 3 Carlton K orth Cnrlton 1875 53 32 i 26 I + 9 +412 i 3i 3 4 I!otltam Korth l\lclboumo 18;6 36 20 I z6 I -L- 8 +464 z.D. 3 •.1.
5 A hbotsfor<l Abbotsfonl !883 70 46 26 ~ 28 i + 215 sl 4 6 Cobnrg
' Cobnrg !889 27 25 7 ~ 3
7 Kew Kew 1891 6 27 li 3 8 Werribee \\' crribee 1894 10 3
Totnl Branch Si~k Jcunds 477 J22 25 District Funeral ·Fund 6
JS!i i
The whole Society, J Valnn.Lion, 31st December, 1896 477 322 31 8 43~ - I +IS I+ 351 3'i l \'aluation, 31st December, 1891 637 306 33 6
39 1 38! +zz + 2 + xSs 6!
''" \Yhcn a Branch po5sesse! fewer than 30 members~ or when it ta.s been
23
:Melbourne District, as at the 31st December, 1896.
l.iallilitit:~. ABBi'tS. Ratio to Liabilitic~ per £
of the~
~
~ No
"" "' -· ~
§ .-. w~ ~
" "" r:h
" ~ ·i 0 .:!
""' 17
;\: £ ;\: :t £ £ .£ £ £ s. £ 8, 8. g. d. s. d
Io,J+6 3,782 8,71.5 I2,497 2, I j I 37 !8 + 9 7 7 4 !6 10 24 2
I,8g6 9°9 498 1,407 489 II I 10 17 9 7 3 i I4 10 2
2,004 1,229 51 5 I,7+4 z6o 9 I4 + I8 I2 3 2 I7 5 3 I ,321 86g 23) I,I04 217 6 I I 6 13 2 7 I6 9 i 4 2,031 I,+'o I ,186 2,636 6os !6 19 8 I3 14 + II 8 z6 0 5
935 667 129 796 139 4 !6 - 5 3 14 2 17 6 qS 84 2J2 Il •+ 0 :+ I 17 13 7 279 6" ) 3H 6 IO 2 2 I " ) 8
-------·-[2, 767 1,126]
9·333 20,760 1,641 23 19 T
5,6. 9 2.242 6,:.t73 6)4 8 9 + l
--·---Ig,llg i s,61 9 24·738 I l ,575 15.458 27,033 2~29 _) 32 8 20,)41
I 5.542 26,o83 15,4.56 I 3,393 28,8+9 2,766 21 0 i+ Il li 10 22
~··--~l .. ___ hss tktn !l\"C> )f.'U!':J ln cxistenec, it~ e:xprrknec is nut ulJI!tmdcd.
24
POLICE WIDOWS' AND ORPHANS' ASSOCIATION.
REPORT o1r THE AcTuAnY FOR FRIENDLY SomETms o:-< THE NmrERICAI. AND FINANCIAL CoNDITION
OF Tim PoLrog WIDow,;' AND 0IU'HANs' A~sOCIATION.
I. The origin of the Association is thus explained in the preface to the rules:-
"The Poliee 'Vidow~' and Orphans' Association was first established in I 870, and was formed for the purpose of enabliug memlJers of the Force, by a very >'mall outlay, to make some provision for the wives and ehildreu, parents, or others depending upon them for support at the time of their death. Thus, hy all expendi~ure whieh does not in any case exceed Two shillings and sixpence on the death of auy member of the Asoociation, the subscriber secures the payment of a sum of money amounting to about .£120 to his relative;; or next of kin. [This :;nm implies a mernhcr~hip of 96o.]
"Before the formation of the Assoeiatiou cases of extreme db tress amongst the relati res of rlecensed members of the force were very common, and appeals had to be frequemly made to the charity of the comrades of the deceased to save widows and children from actual want, and in some cases to give them a little start in business.
"These nppcnls fell Yery unevenly upon the chal'itably disposed, antl responding to them caused a much larger expenditnre than is now (August, I 894) experienced under the rnles of the Association. The amount collcetetl was very often too small to do any permaucnt good, and the circumstance that these near re!at.ives of deeeased members had in some cases to become recipient~ of charity was very repngnant to all who gave the matter serious thought; hence arose the idea of forming the Poliee ~Widows' and Orphans' Association, by which the widow, children, or other rclaliYcs of a dccensell member become entitled, as a 1·ight, to the considerable sum of money before mentioned, which has in many cases proved of great benefit, by enabling the willow to purclwsc a small business unu enrn n livelihoou for herself and children.
"The object of the As~ociat.ion will, it is hoped, commend itself to all members of the force who have 11:iveu the matter attentive consideration, and, by their nssil;tanee and influence, thereby increase its sphere of nsel'nlncss.
"The nmniJer of snbscribers now amount to nine hundred and fifty (950). ":Nlclbourne, Augnst, 1894."
2. By Rnle Xo. V. it is prodded that the Board of Management shall consist of nine members, a President (the Chic£ Commis8ioncr fot• the time being), one Officer, three Sergeants of either class, three Constabks, and ono Police Pensioner: to whom, by Rule VI., is given power of deeiding all questions relating to the Association.
3· Hule X. peovides for Uw "DisPOSAL Ol' MoNEY Ar'TER DEATH OF A :NI EMBER":-" On the death of any member of the Association each subserihel' shall pay the sum of zs. 6d. for the benefit of the widow, orphans, or other relatives entitled thereto, through the death of the said member, and the tiecretnry shall collect the aforesaid amount at the earliest opportunity, for disposal, in the manner hereinafter provided for," i.e., in Rnle XL
+· By Rule XIII. a member retiring from the force may, on giving notice and paying the usual contribution, remain n member of the Association, but should he be six mouths in arrears (1 5s., apparently at 2s. 6u. per month), the Boanl of Management may strike his name off the list of subscribers.
5· By Rule XIV. a member may retire at any time by furnishing the Secretary with his resignation, and paying any subscriptions uuc on date of his resignation.
6. By Rule XV. a membet· of the force desiring to join the _4..ssnciation is required to make an application in writing and sign this agreement :-"I agree to contribute the sum of Two shillings and sixpence on the death of any member of the said Association during my membership, and I authorize the Chief Commissioner of Police to deduct snch contribution or contributions from my wages while I remain in the force."
7· The method occasionally resorted to prior to I 87o of making a charitable appeal to the members of the Force generally on the oeenrrencc of the death of a member whose widow was lefc in straitened circumstances and to which the charitably disposed respondeu handsomely, while many contributed nothing (the popularity or otherwise also of the deceased membe1· having very probably a considerable influence in determining the amount collected), wa,; sure, for reasons given in the preface to the rules, to he unsatisfactory.
8. This casual eleemosynary system was in r 8yo very wisely superseded by the indepemlent mutual assurance plan adopted by the Association, enabling a wife to look forward with confidence to the receipt, as a right, of a considerable sum of money (£120 or so, according to the Preface) should !!he he so unfortunate as to lose her husband by death, p1·ot•ided the number of mortuary calls per yea1• lwpt wit/tin moderate limits.
9· There are two weak points in the practical application of sneh a method of raising and disposing of the death payments embodied in Rule X., (a) The total amount of the levy at half~a-crown per member would vary from time to time with the nnmerical streng-th of the AsBociation, some widows thuil receiving higher amounts than others; tl.is was unfair; and (b) the whole of the sum so eollected being always paid over to the beneficiary, no provision was made for accumulating a reserve fnnd, which could be tlrawu upon whenever the number of deaths in any one year should exceed the number of calls, say, twelve, which
25
the members could afford to have deducted from their monthly pay. Frequent calls would also make the Association unpopular, leading to many retirements under Hules XIII. and XIV., and to reluct8,nce on the part of the new members of the force and others to join. This would necessarily lend to rapid retrogression of the membership and tn material reduction in the sum antilaLle for widows, ending, as a natural consecplence of the un8onnd basis upon which the Society had been founded, in a final collapse of the As8ocintion, to the manifest injuq f\JI(l (lisappointment of the member~ who lmd determinedly held fast their position, as well as of those, it may be ad(led, who had been driven away by the excessive calls.
(A) 10. Tl1e basis of this A~sociation is substantially identical with that of a,ssessment life companies,
which are condemned by e:xperient:ed men generally as deln~ivc and impracticabl~?. I extract the following from a recent nssumuce paper (Oct., I ·-
" \Ve l1ttve shown the fallacy of the as~essmcnt plan so often, and the failure of almost al'~ociat.ion which has tried it after a nHmbcr of year~ has p1·oved its uselessness, that it nnne(~essary to restate the PXplnnations. Out of 6:J a~se:)Bmont life companies only two remain, ami these have adoptctl the ol,J-Iiue companieR' method~, execpt the bnsemeut principle of all safe business, the ' re~crvn,' ami a1·e in the condition any re !in blo company would be lf tli vested of its nutny million,; of reserve hclt.! indispensable to protect the future of its policie~. These t;s,;ociations were and nre wholly hcc(lle,;,; and impervious to the inexorable fact that as age ttdnll1cos deaths become more aml ll!Ol'e Jrequent, aud hence the call,; arc more and morc loud, frequent and imperative, until ful'lher payrnPnts must become impo,;sible, and the concern ~inks of its own weight, eall'ying with it a maRH of unprotoctc<l age, helplcs~ue;,;,;; and misery, and the burning proof that whole life aswranco cannot pcrrnanenily he done on the ns,.;e3.illlcnt plan. :M~:tny of these new formed as;,ociations were organized by well-known nwl eRteemecl men of great integrity and Lnsine~s ability iu other directions, nndcr the professed and evidently sincere purpose of fnrni:dliug to their neighbonrs and fellow citizens a protection for theil· families in as safe and much cheaper way than could Le obtaincll from the old-line companite:'. And the fate of their enterprises only proves again tl1c ol.l mnxim that' honest ignoranee' nmy be more dangerous than de;;igning· fraud. If men who insnre 011 a cheap plan could only be tnnght to uwler~tantl that the time must come when they will be compelled to pay heavy premiums or allow their policies to lapse, and that the contract in an ns~essment company gnamutec~ nothing, aud is fonndetl only on hope and chance of a low death rate and increasing member~, \mt without ouo penny as a reserve against the futuro, there would Le fewer families liYing in fab3 ,.;ct.mrity, nncl fewer men, for the sake of saving n few poundR, woul(l be facin~ the danger of leaving their familia;;~ entirely nnprotcctet! at a time when t.heil' advancing age wonhl render the cost of pwtection almost prohibitive."
I 1, The progress in respect to (lfaths nnd calls of the Association year by year from its inauguration in 1870 to the present time, when the mortuary claims have become too frequent. to be duly di::clmrgetl as they arise, arc given in the subjoined table, compiled from the particulars whieh the reeonls ennble<l the Sceretary to ~npply. The figures provide a fmthcr illu~tration of the fate which i~ bound in time to o\·ertakc all as~urance societies based upon the mortuary levy plan.
(B) ANNUAL DEATHS AND A:I'IOUNT OF CALT.S PAID BY :;\:lg~[llERS EACH YEAR l'RO~t l
(OcTOBEH) AT z~. 6n. I'ER MElltBER PEn DEATH.
Calendar Yet>r.
(1)
1870 I87I 1872 I873 I87+ I875 I376 1877 1878 1879 188o 1881 1882 1883 1884 r88s 1886 I887 r888 1889 I890 1891 1892 I893 1894 r&gs !896 1897
··~-
Total ...
Number of Deaths each Yflal',
(2)
3 6 6 5 7 2
8 4 8
5 7
12
9 7 4 6 8 7 7
12
4 8
17 I6 Il
IS r6 IO
!-- ·-~
233
Tot<ll Sum paid in Mortuary Calls pet• , tnember each year, ; at zs. 6d. per ne:.th.
(:~)
£ s. d. 0 7 6 o I) 0 0 I) 0 0 I2 6 0 17 6 0 5 0 I 0 0 0 10 0 I 0 0 0 12 6 0 17 6
10 0 2 6
0 17 6 0 10 0 0 15 0 I 0 0 0 I7 6 0 17 6 I 10 0
0 10 0 I 0 0 I 10 0 I I/ 6 2 2 6 I 10 0 2 0 0 0 !2 6
£27 I$ 0
I
Total Sum of Calls from
Commencement. (4)
£ s. d. 0 7 6 I 2 6 I 17 6 2 IO 0
3 7 6 12 6
4 12 6 5 2 6 6 2 6 6 I) 0 7 12 6 9 2 6
10 0 11 2 6 Il 12 6 12 7 6 13 7 6 14 5 0 15 2 6 16 12 6 17 2 6 I8 2 6 19 12 6 21 10 0 2J 12 6 25 2 6 27 2 6 27 I) 0
26
I 2. The number of deaths, it will he noticed, remain comparatil·ely few for the first eleven years, and the consequent calls were made at fairly long iutenals yenr by year ; in 188 I the denths suddenly rose from seven to twc!Ye, requiring twelve calls to be levied, equivalent to o11e a month. The same thing occurred in 1889, while from 1891 onwards the death,.; became so freqncnt as to wwessitate tile levying double calls in some months of the yeara 1893, 1894, and 1896. Tho,;e, howcYcr, ma(le in the latter year were iiJsnfficient to overtake the claimi', there beiug now (October, 1897) eloncn widows who lmYo not been paid the sums to which they are entitled under tho llulcs. The Association is th118 nnder the necessity of deferring paymeut muil the monthly lcYics (the maximum amount the members will eouscut to conti·ibute in any year in future) come in, and then paying otr the claims ouc by ono in full according to seuiority. This is shown in the table following :---
(C) Cr~Anrs, .~:L>.TIS:FIED AND UNsATISFIED, 1892--1897 (OcTOBEH).
Calendar Year. I ~umber of De<~th~ c;.wh Year.
Tola1 Cbhns. Total Rum paid in ~lortuary Calls pt:l' l\lemhr-1·
eaeh Y car, at l.S. 6d, Paid. enpaid.
£ .~. d. 1892 ... I7 I 10 0 12 5 I893 ... I6 I 17 6 15 6 1894 ... 1I 2 6 17
1895 I8 I 10 0 lZ 6 !896 ... I6 2 0 0 !6 6 1897 (October) IO 0 IZ 6 5 II
13. Iu a circular which the I~oanl of Mau~gement i~5uet1 to the members r.u tbc 17th ,Jnly, 1897, occurs this passage :--
"It was uot the orig-inal intention to cstahlish an insnnwee fund, otherwise~ the prineiplc~ on which it was to be e(muucled should have been hascd ou actuarial tables. Tiut to such a pas:; have matters now pmcticnlly drifterl. For wmc ye!H'S the Asso<~intion wn~ worke(l without the nece;;sity of calling on the members to pay the maximum amount agreed npon, Yiz., 2s. 6d. per month, but of n:ccut years, as the mortality among·st the members uat ltl'ally increased, it was fonud that the ~ubscriptions were not sufficient to meet the elaim,;, antl tlms several extra calls hnve been made on the membcws, cun~ing considcrahlc tli~contont. )Ioreoyer, the probable and almost certain prospeet of such a state of' things continuing has caused a number to resign mcml,ership, nnd has detcrre<l other~ from joining.''
If. 'When the Secretary was aske<l to state wlwn a1ul by whom Rnle X. was amcl!(lod so as to require m cm bers to con tribute a ma.rimwn of zs. 6d. per month, incident1tlly refenod to above, i n:.;tead of 28. 6d. per death as containctl in the Book of Hulos of 1894, fmnished to thi.- office, he replied (UUO 97): ~"Re the adoption of amendment of Rule X. from 2~. 6ll. per de<tth to 2s, 6(L per month, thiB wa~ ne\·er agreed upon. bnt there was an objection amongst the members to pay more than 2~. 6d. p<'r month unles~ absolutely necessary."
15. The deaths in I88I, having ri;;en to 12, the maximum nmnl!cr, it is stated, the members wore willing to pay'for in any ouo year, the Boanl of Management adopted the ro~olution of ,June, 1882, that" A short pamphlet, setting forth the obje~ts of the A . .,;~oeiation and the moans by which it is worked, &~ .• be .:h·awn out by the Secretary nut! printod1 with a view of: being eirculatcd among·st. newly-joined mcmlJers of the Force to induce tlwm to become members.''
16. This circular contains the following sentence :-'1 Thns bv an expcnuiture which does not in any case exceed half-a-crown per month (but m'ay frequently not reach' that snm, as the subscriptions are only collected upon the death of any member), the ~uhscribcr secures 1 he payment of from £76 tn £8o.'' The meml>ership was given as 6:q ttt that time.
17. In ,July, 1886, the fo\lowi1lg circubr was sent to all police station':--
"I. That all m.ember::; of the Force who do not hclong to the Assneiarion be allowed the option of joining without being called npon to pay up lJ!>ek sub~criptions, ;:neh permi~sion to cease on the 31st December next.
" 2. That the privilege be oxtomlod to members of the .Force having seven years' service, and that they be allol\-ed three months from the date of nppronll of proposed rcgnlntion to join; uls·•, that it be left optio~<al wit.h recruit~ to join np to two years from llate of joiniug the Force.
" 3· That members of the Association retiring on compensation through ill-health be allowed to remain ou the books, should they de~ire to do so, in tlw same manner as Pensioner,;, and within one month after their discharge mnst make applir~ation in writing to the Board.''
18. On the I I th October, I 893, the resolnt.ion was adopted~-" Thnt two ~ubscriptions a month be called until the present arrears of rlcrtths (13) be paitl np." Atul on the 16th April, 1896, the re:onlution "That double C!tlls he made for the month, of :\lay, .Jnly, Augu~t, ami October, 1896, "
19. It now beonme apparent to the members generally that the complete collttpsc of the Assoeiatinn was closely impentliug, and, in orller to try to ave1't, if po~sible, ~o unfortunate a eat!Ji:itrophe, or at lensr to re(lueo to a mi11irnnm 1he serious loss thnt would thercb,v be entailed on the present members, nduahle suggestions wore made to the management by Inspector .I esse, Constnble Tigho, ~ergeant Higgs, Sergeant Mooney and Constable William~. These are given in the form of Appcndiec:< to this report.
27
20. The suhjoiued is an abstract of Mr. Jcsse's report, a very able document, which was furnished to the Board of Management on 25th :May, I il97
Con tenus that Association was mum unsound basis finaneially from the commencement. It was, he thinks, clendy understood then, and definitely stated iu circular of ,July, I882, that the contributions won],[ not excee<l 2s. 6tl. per mouth. This call could not meet all elaims; a regular call of ;s. I d. per month for :q years would he necessary. The a ,·cragc age of the memhe1'S being 4 5 yea rH, their further" Expectntion of life," is 24 years. From nn In"urance point of Yiew A6wciation is a failure a~, having no <'apital, and the contribution~ purely vohmtary, it l'an assure nothing. Amount payable at 1leath i~ out of all proportion to amount eontrilmle.l hy eal'l1 member. Re compulsory meml,ershi p : I nerea;;e in memhcrs means a bo increase in claims to be met, U1e next of kin of tho:;e dyiug early gettiug the best o[ it, and the lnmlen of liability falling heaviest on those who live longest. Compulsory membership al~o, most unfair to young hnlllls, though advantagcou,; to tho;,o well up in years. Should Police he eonlpclled to insure their ]i,·e.-< any respeetable Life Assuranee Compnny would do the bn-<iues~ better than unskilled members of the Police Force.
(lue;<tions to he decl,Jed by rnemhers-
" (I) Arc they prepared to submit to a regular call of at least 7s. per month for the next 24 years, or until they die, to meet exi:-;ting and accruing liabilities ?
"(z) If not, will the.v continue the mc,nthly ertll of 2s. 6d., hut consent to aceept, in case of 1leath, £36 2s. 4d., which, if I am correct. i>< all that can he offered, c\'Cil if the prec'ent 'trength he maintaine1l."
21. The o;nggeo;tion.s made hy Con;;:table Tighe (zo.8.97 aml 10·9·97) are-
Future contributions of mcmhers to he, instead of 2::1. 6t!. per m;:~nth, a1;conling to age a.t time ofjuiniug As~ociation, scale (given ht>low) to eome into force after five years. Present nwmbel'.-; to pay special rate for five years, after that as per scale. New mcmhC!'S umler 30 to pay 30:'. per annum for next live ypars, after t.lmt as per settle. ;xew memberH o\·er 30 all!l uwler 3; to p:ty 40~. per annnm, snhsequently as per scale. New members ovct· 30 to l'nrni~h nndical cert.ifieatc of goo1l health. Claimants to receive £75 only for next five years, after which term ,le:tth ''h\im h be• .£.roo nntil augmented by houns from iuve~tet! fnnds. Payment::; quarterly.
Scale.
20 to 2 5 at time of joiuing, 30s. per year. z6 , 30 , 36~. , :l I " 35 " " ++~· " 36 n 40 " " s6s. , 4 I , 4:; ,
" 68s.
" Over 45 " 8os.
"
22. Tlw stntement pnt in by Sergeant Bigg~, 26.8.97 is to the effect that
Member' of force are 1,41Z
Pen!'lioner:; 1 Ro
Together I,592 ~ub~cribers to Associati•ln at, B. 6d. per mo11tiL
Amonnt snbseriho'l will provide for 31 deaths pe1· annum and £63 over. Deaths dnring last twenty yoars, including pensioners 3 so, equal to an tllmtml average of 17~ per year. Deaths during la"t ten years, a trifle over 21 per yca1· (i.e., in Force). Submits a Kcheme for eompnlsory mc:uhership: a Sum not to exceed 2~. 6<1. per month to he deducted ft·om his pay hy the Snperiutendc'llt. Amount payable at Death, £75. Any snrplns to be placed in the Bmtk !IS a reserv-e fund.
23. Sergeant Moonoy submitted his proposals to the Board of Management on 1)·9·97, of which the fr,J)owillg is a synopsis:-
Thinks ConstaLle Tighe's scheme cumbersome allll unfair. The only pcrsous who woul(l lmve to pay the hig-hest seales nre a few Pemioners who joined the Association on it.~ formation, anrl who, previon~ to that, were in the halJit of giving a day's pay t:1 widows aml chiltln:n of deee:tsP<l commtles. Disrtgrees with Serg,eaut Higg~' »cheme rtlsn. S n hmi ts following proposal : A 11 members to pay 2~. 6d. per mouth, payment~ to cease aflcr 3 5 yeru·,; tlw~e memucr~ of the Forc1o un,lcr 40 years nml who have not JOine(l to be nd1Hilted free, if in good health.
:£4o on death of a member who has been less than 10 years in As~oeintion. £50 , from IO IO I5 , ,, £6o , , , , I 5 to z o , , £70 , ~' , ,, zO year.-.; and oyer ,,
On forced l'etircment through ill-lH:oalth, or on compensrttiou, to ha\·e opticln of' taking half n1t1onnt he would have been entitled to if hn died when he retire,] from ForPc. On Yoluutary retirement from force (except on super·aunna.tion), after ten years' sen·ice, to recei vc £I o from the fnnd. All futme members of Force to join As~oeia.tiou. If compnlsory memher:;bip not ~anctionctl, secretary to reeeivc n honns of ss. for every new mmnber. Secretary io rencive fixetl ~alary (£2 5) and I per cent. on all moneys collected. Out~tan<ling elaims to be off at once at mte of £;o by a levy of zos. per nwmbm· ftom all old member,;,
28
24. Constable Williams' suggestions (16.9.97) are to the following effect:-
Favours compulsory membership, by Order in Council or by Act of Parliament. Subscriptions 28. 6d. per month, death or no death; this would give a revenue of £199 per month, or £2,388 per anuum. }faximnm payable at death of each member, £8o, which wonhl provide for 29·85 deaths per annum. "Minimum payable at death, £~5, \dth returu of Premiums.
25. On the 17th of ,July, 1897, the Board of::Yfrmagement forwarded to the members a printed circular commencing as follows: "The board of the above Assoeiation, having given careful consideration to the position of the A~sociation, desire to place its condition and prospects fnlly before the members, and in a form that can be understood by all ; feeling sure that the Circnlar issuetl a short time since did not explain the facts fully, and in a manner that cuabled the members to grasp the gravity of the situation." The remainder of the circular was as here abridged :-
Association formed for purpose of raising money hy small snb~criptions for relief of widows and families in distress or necessitous circumst:1nces, and to avoid begging for subscriptions by petition. It was not original h;tention to establish an insurance fnnd. Fur some years Association wa~ \\·orketl without calling on members tr> pay the maximum amount agreed upon, vi~., 2s. 6d. per month, but of recent years snclt subscriptions insufficient to meet claims. Several extra calls being made causing discontent, a number resigned, and others 1leterre<l from joining in consequence. Heduction in membership caused reduction in claims. If Association lapsed, begging petitions would again be circulate<! for relief of those in tlistress. This could be obviated by fixing death claims at £6o. To be remembered that total calls made on oldest members at 2s. 6d. per lleath do not excee[l £27 5'· :Xnmerous suggestions and resolutions received. Some suggest compnlRory membership ; others contributions on a eertain scale. K ot thought likely Government would entertain any proposition for formation of an A~sm-ance Fund, since by Police B.egnlatious a deduction i~ now made for Superannuation Fund. Present nnpaitl claimant:<, eleven. A vote to be taken to determine whether Association is to continue. Deaths for last five years average fomteen per year. Snb5criptions mu.,;t, be increaRetl, or amount paid rctlucml, to in,;m·e continuance of Assoeiation in any form. Vote to be taken: If in favour of the propo5od alteration to £6o, say "Yes"; if against, sn,y "No." To be filled up, signed, and returned by 2.8.97.
26. The voting having been presnmmlly in favom· of the proposition of thfl Board, Rule X. \\'as accordingly repealed, and in lien thereof it was enacted that the snm payable on the death of a member should thereafter, 14- 9·97, be limitetl to £6o, or, in the event of a great reduction of membership, any less sum as would be produced by a le•·y of zs. 6d. per member,
27. Turning now to copies of minutes of the Committee anti of Delegntes, the following resolutions were proposed :-
By Committee, 7·9·97 :-(a) "Thnt, the P. W. and 0. Association be re-organized, nnd, in lien of the present system of
Yoluntary membership, that it be made compulsory Oll all members of the force to contribute a sum not to exceed 2s. 6d. per month that the amount to be paid to the relatives of deceased members be £75, and that when the amount collected is more than sufficient to pay all demands, the amount in excess to be placed in the bnnk as a reserve fund."-Carried.
(b) "That Constable Tighe's scheme be submitted as it ~tands for the consideration of the Delegates.''-Carried.
By Delegates, 8.9.97 :-
(c) "That the P. W. and 0. Association from enors in its original format.ion and fmm the rapid and inevitable increase in the death-rate of its members, is unable any longer to fulfll its engagements."
Amendment proposed :-(d) "That the A~sociation be not wound np bnt be re-organizcd."-Carrietl.
Resolution (Sergeant Biggs) (e) "That all members of the Force be compelled to join the Association, aud all members who
subsequently join the Force, and that the amount payable at death be £75.
Amendment proposed:-(f) "That a committee of seven, with the secretary, be appoiuted to draw up n scheme based
upon the schemes mentione1l and send in to this meeting, which should be adjourned.'' -Carried.
z8. At adjourned meeting of Delegates, 9·9·97, the above (e) resolution, proposed hy Sergeant Biggs, was carried. So also was the subjoined :~-
Resolution:-(g) "That this scheme be submitted to the Board of Mauagement, with a request that they
obtain a vote from every member of the Force, and each member to vote 'Y cs' or 'No,' but that bnfore any such action be tlcken by the Board of Management that the scheme be submitted to the Government Actuary, Mr. Owen, for examination and his opinion thereon."
The Resolution (h) "That if the Act nary disapproves of Sergeant Biggs' scheme, Constrtble Tighc's scheme
be submitted to him,'' was also carried.
29
z9. In accordance with the resolution of tllC Delegates atlopted on the 9th September, Mr. Hunt, the secret.ary, at a personal interview, laid before me certain papers and documents relating to the Association, and on being subseq ue11tly appliml to for fnrtlwr information, furnished me, as far as the defective records in hi~ possession enahletl him to do ::!O, with the data contained in Appendices A to II.
30. From the facts and document;:; submitted I am asked to form an opinion of the present numerical and financial condition and future prospects of the A"sociation, and to the best eourse it may be uow po::>sible to atlopt to sa Ye the Society from complete extinction and to enable it to start afresh on a new and endnring basis.
31. The present numerical relation of the Association to the Force in general, and the respective ages of members, non-members, Police and Pensioners, are shown in the subjoined table :-
(D) PoLICE FoucE, NoN-:MEMBEUS AND :MEMBEns OF AssociATION, PENSIONERS IN AssociATION
AND ToTAL M:K~\fBEus O.F AssOCIATION AT I~ACH AGE (October, 1897).
,~Iembers I Force.[ Non-Memhe!'S of Mc1nher& of in Total Members of Age in r&97. 0 Association. Association. Association.
(1) (2) (3) (4) (5) (6) ·- ------
20 I ... I ... I 2I I ... I ... I 22 5 2 3 ... 3 23 Io 3 7 ... 7 24 8 3 5 ... 5 2-' I4 5 9 ... 9
26 IS I2 3 ... 3 27 22 I3 9 ... 9 28 s6 35 2I ... 2I 2<) 46 35 II ... II
30 64 35 29 ... 29 3I 73 43 30 I ... 30 32 91 47 44 ... 44 33 g6 40 s6 ... 56 34 97 43 54 ... 54 35 99 46 53 .. 53 36 6g JI 38 I 39 37 94 41 53 ... 53 38 56 35 2I I 22 39 52 23 29 I 30 40 so 26 24 ... 24 41 49 33 !6 ... I6 42 24 I6 8 ... 8 43 30 I6 I4 ... 14 44 26 IS II ... I I 45 20 12 8 I 9 46 24 IS 6 ... 6 47 23 I4 9 ... 9 48 27 I4 13 I 14 49 17 12 5 2 7 so 20 I3 7 ... 7 5I 14 li 3 2 5 52 I8 8 10 ... 10 53 27 I7 10 I I I 54 IS 9 6 ... 6 55 18 8 IQ I li
s6 8 4 4 ... 4 57 !6 8 8 4 12 ss !6 7 9 8 17 59 6 3 3 2 5 6o 8 3 5 5 10 6I 4 ... 4 21 zs 62 ... ... ... 7 7 63 ... ... ... 5 5 64 ... ... ... 12 12 6s 2 ... 2 rs 17 66 ... ... .. . '5 15 67 ... ... ... 19 19 68 ... ... ... IJ 13 6g ... ... ... Il li
70 ... ... ... Io 10 71 ... ... ... 7 7 72 ... ... ... 4 4 73 ... . .. ... 2 2
74- ... ... ... 4- 4 SI ... ... . .. I I ______ , ______
Total ... r,431 759 672 176 848
Average Age 37'7 yeara 37'8 years 37·6 years I
64·3 years 43'2 years ---- -
32. Out of the I ,431 members of the Force in October, I 897, 672 a1·e also members of the Association and the remaining 759 are not members, the average age of each class being, rather singularly, about 38 years; there are besides I 76 Pensioners in the Association whose age is 64 years on the average, bringing up the age of the 848 members to 43 years.
30
3 j. 1'iw nnmL8r of HwntlH;r~ ol' the As~.)t:iatioa wllll died each ypm· fwm tlw eommcuccmeut to the prmont time, witlt the ag<; of <':tch at death, 111ny b8 ohtni1:C'd from the folloll'iug.tablc :-
:i\liD£BERS OF THE ASSOCIATIO.'\ WllU Dum IX EACH YE.Ht FRO)[ TO 1897 (OCT.) IXCI,USI\'E, ARRAN<;ED
ACCORD!:\<: TO Till' I R YL\RS <H' BlltTII, WlTil TilE A YJ:UA!iE AuE ATTAINED AT DEATH IN THE RESPECTIVE
YEARS.
Yc·arof Blrth.
!81\8 r8J7 1R6'i 18Gs !86+ 18.5> 186~
I851 186o 1859 18)8 1857 18s6 1855 l8H 1851 J8)2 185 [ 1R5o 18.\9 18+8 18+7 I8+6 1845 ISH !84] 18+2 I8.p 1840 1839 181~ 1837 1836 I8H 18J+ 1SJJ rs,. I3jl t8jO 1829 1828 1827 181.6 1825 IBq t82j 18:2..2.
1821 I8t.o 1819 1817 18!6 1815
Totul deoU1e
Average ngc l.. at death J ·
•:-:: ,_ /0
7"~3 7;6 72'!. 6Rz 059
.. I !
! "
f: t~ I ;J;
(J5f 6)6
i I I 1
I I
1.7 ·o 27"0
I I 1+'0
1 1 ;n 5 I JD'2 6 28'5 I H'O
4 Jl'O :2.6"0
l4 '7 29"0
I, ~H
Jl'7 2 , l4 ·s I I 42'0
31"0
48 ·o 5 J9'6 I j2'0
7 l7'4 l l+ '7 4 +o'j 5 j8'6 3 4-J. •o 2. 51 ·o
45' 3 2 48'0 3 48'3 4 49'8 6 47'7 4 so·s
15 5+'5 9 ss· r
10 55.4 8 57. [
12 5C'9 Il 54 •:z. 9 51'6 9 6
31
3+· The year, ~itl>~eqncntly to r8Sr, wherein +69 ont of the S+R prc,;enL members joined the Association i,, ncconling to their year~ of birth, gi,·ea below. I am, howeYcr, 1J])(lt;r the necessity of leadng the table uncompleted, the secre.tary possosO'ing no reco;tb (\Yhic!t appear to have hecn either dcMt'llyetl. or lost) of the tlate of admission of the remniuing 379 mt•mbers who entered prior to 1882.
(F)
ME}IDERS OF TIIE FoHcE \YIIO Jol~ED Tl!E A'sociATro;-; nuu:-.:r; TIIE tEARS rS;o TO r897 (OcT.) INCL"GSIVE,
AltRANGEI> ACCOllDI~G TO YEARS OF JliJ:.Tll, WLTII THE AVER.U;E Aca: OF AD}!ISSIO:s" 1.'< TilE llESl'ECTHE
YEAR~.
,_ n w~~~ ~§~:~w
I: ~ :~ L- r: ' ~ c. 1·7, ! ~ ~ -~- -- -,-- -- -~- ··--
717 !7+3 7Jf> 7" 682 659 ,(~6_ "!'.!_ 662 (65_ ,r,J5_ If" S
.. :
"i .. '
i ..
l I
"I
;3 ..,.· ~ 1
1
:;j f;j f~§~~~~ -,-~--~-~ ---
619 6r2: 593! 64a 741 -- --'--'--
I
i •• ! 2 •
21.3 ' 22' 3
5 1 24 ·o 3 2J"7
3 6 22 'l 4 I I, .. IS 2]'9
2 3 1 I 1 24' 5 + + 3 29 23'8
I 3 2 9 23 ·s [ . . 4 I g 42. 24 •o
9 7 ~+ I 1 56 i 2+ ·6 4
1
16 IO l(J 4 55 24•4 I , B : 15 n 6 53 26·o
~ I 5 I 2 37 25.5 4 I 4 2o 1 r s 1 26 · 5
5 w ~··
.. I
.. I
9 1 2 : 2 4 27 ·s l I . IO 28 ·6 3 , · · 1 .. 1 .. + •9·s
1 2 3o·o
I •. I •• : ~ • • 3 ~~:~
.. i ..
I .. .. ' I I .. .. i .. •• . J6·o . .. . I .. .. . I . I . I .. • •.•• I .. .. .. .. .. I .. .. ' I 31'0
.• I • . I . . . . , .. I • , . , •• ! . . . . . I 1 ~8 '0 .. I
l~i..:.-_ Totnl oo j "I -::·1~ ~~· ~~·~ .: .~; ~ ~- ~- ~~~-~ ~ 11 s:;- -;;I ~5 I~~ 11~ 'I~ ~· ~' ~~ ~-~ ~6~' 4~"0
-·---- ---,-,--;---~- - -~--~---- -,-~----~-A\~~:r~~l~~~~ nt~~. 1
.. "t~:-:~whlion} .. I .. .. • • .. 110'7 q·G q·6112+'·} 126'2llq·S 2)'CI26'J 24'J
1
25'CI2)'0 26"5 •• 27'3 .. I 25'+ I ..
I ! I I ' ' I ·--'-··-
3 i· Tn.ble F rle:tls with +69 of tlw 672 ll1Clllbcr,; of b0ih Foree awl A~.socintion (Table D), leaving 203 per,on" ll!lar·cnll!llc·il for, \Yho joinotl clnrillg tl1o 12 years 18;o-8r, the majority very likely in rS;o, 28 .n~:u,.; ngo. lt is prol>n.hle akl t!Jn.t m'l~t of tlH: 176 Pen~ioner", who<u average ngu is 6+ years, helpecl l.o bring the Society int0 existe11ee in 1 S;o, their then age l1eing about 36 years on the average.
jfJ. In ,.i1:w of' the pos,;ibility of some "Y"Iem being a,loptetlre<1uiriug a. kno\\'ledge of the mortuary eall,; pai<l by cae!t of tlw 848 members, I think t!Jn.t n.n eHort shonltl he made to supply tile deficient figurm;. If tbe 379 members not include1l in the table \\'Ore directly npplie<l to I have HO doubt that, by pcrPonal awl mutual reeollcctioJ:, a o;nb.-'lantially accurate list of the tlntc" of eHtry could l1e marle out.
37· The total members of the Police Force at the end of the first quarter of 1897 are given below; they are armngetl in the order of their Birth-Year, showing also their EntryYear into the Force, the officers being distinguished from the constables.
Y eat' of Birth.
1177 .. 1876 .. 1875 •• 1874 •• I87J .. 1872 .. J8jl .. 1870 •• J86<J 1868 1867 .• 1866 .• 1865 tS64 .. II6J 186~ .. I86I 1860 1859 18)8 18$7 .. 1856 •• 1855 18$4 18SJ •• r852 •• 1851 .. 185o •• Jl49 J848 I847 •. 18 .. 6 .. 1845 1844 184> .. IS..2 .. IS..! " 1840 .. 1839 .. 1838 .. 1837 . • 18J6 •• I8)2 ••
Totals
Total Officers •• {
Constl>.hles
Foroe ••
(G)
MEliiBERS OF PoLICE FoRCE IN OcTOBER, 1897, WITH THEIR RESPECTIVE YEARS OF llmTH AND OJ,' .JOINING THE :FoRCE.
(The pla£n figures (1) indicate Office?" B.) ---~~
,Joined the J!'orce in the Yeat·-
I
5 5
I 4 4
2 5 l 2 l' 9 ' .. I .. ' - 6 6 l l .. .. 1 I 4 i. ~ 7 5 I .. ..
2 I 3 5 3 IJ 3 .. .. .. .. 2 4 4 ::.:. ~ 5 I .. .. ..
I 5 4 1 2 .. 4 2 .. i" .. .. [) 3 ; 3 ..I 2 2 .. 1 2 l l 3 2 I .. 4 1 I 2 I I .. .. .. 3 ~ I 1 I .. .. ..
4 2 l l .. .. 2' 2 1 .. .. 2 r 3 1 .. .. .. I .. ..
.. I 4 1 I 1 .. .. .. 1' .. 1 .. 1 .. .. I .. .. .. .. .. .. ..
1 .. .. ..
Total.
Officers. Foree.
IO .. IO
8 8 14 14 15 .. 15
•• .. 57 .. 57 47 47 65 65 72 l 73 90 .. 90 g6 90 97 .. 97 99 .. 99 67 .. 67 94 94 53 3 56 51 1 sz 44 () so :g
I 9 48 8 24
17 I lB JO 11 1.? 26 10 10 20
~ 1S 25 17 23
11 1(1 27 3 14 17 3 17 20
' 11 14 .. 18 r8 5 23 z8
• 12 14 16 !8 7 8
m 16 11 16
G 6 ,, 8 4 z ----
I,4JI ·-----
Averag'C Age when Con~to.bles and OJ!icers joineti Police J:'orce-24 '9 years.
0, t>:)
33
38. According to Table G, lhc present members of the force were received as ceHstables at the age, taking thorn one with the other, of just under 2.') years, an(l from Table F, abm;e, it is seen tb!l.t the
469 members of the Association who were aclmitted thereto subsequent to 1881 were then of the average
age of close upon 2 years. From these facts, in conjunction with tho~e of Table D, above, I infer that
for all pr:wticnl purposes it may be assumed the 1,43 I present member~ of the Force came to the decision to
join, or not t0 join, the Association during the time they were undergoing traini•1g as recruits, within a
month or so of joining the Force.
39· The records show 848 peroons were members of the Association in October, 1897 and 787 in
1 S7o, but the secretary is unable to give me the numerical strength of the Society year by year between
these two points, neither does there appear to be an accurate account kept of the number who annually
resigned or retired under .Rules XI. and XII. I was thus led to frame the following Table, based upon
the total sum collected from the members at each death from 1 87o to 1897, at the rate of zH. 6d. per member
per death, particular8 contained in Appendix Q, which on application the Secretary made up for me from
the Cash I~ook. This being a statement of money actmtlly collected and paid away (loos expenses) to the
widow or next of kin, whose receipt therefor would doubtles;; he carefully preoerved, I am inclined to place
more reliance upon the memherHhip, entries and exits derived therefrom than upon such facts otherwise obtained.
(H)
AYEHAGE Number of Members in tbe Association each year from 1870 to 1897 (October), as derivet1 fron·.
the Sum;; Culloete<l at Death, with the Annual Entries aml Exit,; estimated thercfrom.
Sum Collected Ye:Lr. Death in the
Year.
(1) (2)
£ s. d.
r8io 98 7 6
1871 92 17 II
1872 92 0 0
rS73 go 5 0
187+ ss 4 4 rS;s 82 7 6
rS;6 SI 8 2
IS77 8I r8 9 !878 82 8 5 I879 8z r6 0
188o 83 r88I 79 6 1I
r88:z. 77 II
r883 77 3 I884 76 9 5 r885 74 I 3 z886 So 0 11
r887 92 I3 r888 ll4 7 2 1889 l19 9 0 t8go 120 I
1891 126 8 2
I892 I JI 13 9 I893 126 9 2
I894 I1) IO 2
I89) I09 6 3 1896 107 IO 0
r897 104 4 6
Total (Oct. 97)
(3)
787
743 736 722
682
6sg
65r
6s6
6s9 662
66 5 635 6r8
619 612
593 64o
741
915 9)6 966
I,OII
1,054 1;01:2
92+ 875 S6o
83+
8+8
No. of Mt>m1Jers Admitted each yeur X3
deriYed from col. J.
+13 + 7
+rr + 8
I I
20
53 I09 I8I
8+
++ +9 -~I ,,
4 I' ·'
29
24
+736
1\on:.-The sig11 + hlllicn.tc~ the numh~r hy which the mcin1Jcr:;;hip h(U:i increa::;e{l iu the year. the the sign - the nu1nber by which it has decrease-d the entrie;s if any, being nnl;;:nown.
4666, D
6
6
5 7 2
8
+ 8
7 IZ
9 7
4 6
7
7 I2
4
17
16
II 18 rG IO
'" -j)
8
35 I6
6
5
20
I)
39
34
40. The last Table 1HW0S~ary to tlnJ formation of a eormel opiuion of tlte pa:"t financial history of the As,.:oeiation i~ the folio\\ ing, eompilcd t'rorn Ta!JJc, 13 :wd ll nnd Appendix Q, abm,e, furnishing a comp11ri,;on of the ~11111 wl11ch the widow oi' eaell tle~~on!-'cd metnlH'l' has ohtnint:<l from the Sudcty according to the Hules, witlt the maximum ~nm wllich :1 Htemhl'r <:onlcl lwve paid in ealls on accom1t of those who died before him :·-
(l)
TIIE An:nAGE A:~tot::\T rc:ecinJtl hv dw X(:xt of Kin uu the Dt•ath of t•adt 1\fcmbcr in each Year from 1870 to 1897 (Oetoher) inelu,h-0, enntp:m;d with t:lw gr,:atest possible Sum whicu a ::\femher could preYionsly have eontrihuted. in Mmtwtry Call~; a.nd tit,, Total Amount received by all the Beneficiaries cncl1 Yen r.
Year.
187o 1~71 !872 ,:; 71 187+ J875 1876 18;·7 !878 1879 188o I 881 d~Xz
!88 3 !88+ 1S8<; J886 1887 Il'8S IS~') I :l9e> 1891
!892 18q3 1S9+ lb9) I8(j6 I897
.AYf·l'<l.: . .;-e Me:•ll'er:--hip
each Y(•a.r.
91, 95(1 9(}(j
1 ,cl I
I ,C') tI,OJ 2
92!-
0
+ 4· 7 6 s 2
81 l 8 9 Xc. 8 5 8z 16 o 83 79 6 11 77 11
77 ;6 9 7+ So o 11
92 13 3 J I+ 7 2
ll') 9 0
120 I 5 0
!26 }; 2
lJ1 I 3 9 12(:; 9 2
ll ~ 10 2
189 6 1<:7 Io 0
IO.j. 4 6
4
I 17 6 .. 9 2 :; 2 0 b 2 2
2 0
2 0 10
I 19 9 2 1 s 1 I b 2 0 4 I rS ro
6 g 0
16 2 19
0
9 8
IO 9 8 3 4 (>
7 7 2
£ d. 97 l') 2
9~ 17 I I
9Z 0 0
90 5 0
83 6 9 So 9 79 J.
79 18 2
go 8 4 S"!: 3 2
8! () 7 7 2
7 s 2
7i 74 72
{' J I
8 9
71; ''+ s9 13 0
Ill
116
IS 8
7
117 I+ 7 122 14 I!
128 5 6 1I6 18 9 ll2 :) 8 106 I l g 10) I 10
I7 4
rl\;tr;J .\..1110\ll)t ret'ciy d l)y an
tlle Beneficiaries ert{'h Yc·;~.r.
(fl)
£ s. d. 293 17 6 5 57 7 6 552 0 0
5 0
7 5 7 6
6j< 12 6 ]19 1Z 6 6+3 6 6 405 I6 0
,r,~ 4 0
qzS 6 6;6 0 0
sz8 9 6 2 97 15 'f'P q 7 6!J '4 0
li7.j 10 9 783 10 3
1, 397 1 ,g '9
1, )39 6 1,754 I 3 1,917 6 9 1,279 0 I,n8I 9 6
5'+ 6 10
7 2
8 + s 5 7
12
9 7 4 6 8 7 7
12
4 8
I7 J{J
11
IS IG 10
Tntnl :-5mn ('Ontdlinted jn 1.\lortu:;n· C;1lls
b\· ..\Iembt•l' e'aC'h Year a.t
2-l. 6a. per Ve<tth.
(S)
£ '· d. 0 7 6 0 I5 0
0 I) 0
0 1:1. 6 0 17 6 0 s 0
0 0
0 10 0
0 0
0 12 6 0 I7 6 I 10 0
2 6 0 I7 6 0 10 0
0 15 0 0 ()
0 If 6 0 I7 6 l 10 0
10 0
0 0
I !0 o I 17 6 2 2 6 I IO 0
2 0 0
0 12 6 ---------~~--- --
233 2'/ I) 0
The greo,t.est Stun po8sihle
Ponlrihuted in }1 ort uar:r Calls
by a. .:\}ember fl-c,m the
£ s. d. 0 7 6 I 2 6 I 17 6 2 10 0
7 6 12 6
4 12 6 5 :1. 6 6 2 6 6 15 0
7 12 6 9 2 6
0 10
Il 6 II I2 6 12 7 6
7 6
2
'3 '4 15 2
!6 12
5 0 6 6 6 6 6
2
2
19 12 2I lO 0
23 12
2~ I
2
2
6 6 6
41. Th<? foregoing Tahk showK tlmt thr• Yr:ry lm111lsomc nmonnt of £z2,1c9 W11S collected from the nwml>(·r~ dnri1•g "lte p·m·;;; I , antl paid away (l<·;<s expell,-r><) to 222 meml•rr>' (r 1 unpaid deaths being ,,mit.red) who rlicd ill the ~,i,·illg" nil :wrem;~e o~' £.97 ~o cuc!t, mu! that tbu gr(eat.est snm which even an origi:1:1l member t•ould l'nrJtribn!<'d was .£.27 1 5s. The in<·o•nr· and onr;.ro columns serve also to snpplv or•ninr flitd flrtmwinl proof of ilt(' lll'r"'·~~ary f<Jilnro of en!r:v llllltr•nl :tN.•rwiation ba~erlupon the whn]e,,a]e di,;trihtltinn of t!H' eon!ril>ntions mnon~ ht'rwli<:iarir';,;, anrl1lic ahscnce of all provision for j.[w
formation antl aecnnndnti••JJ nt intcre,,t of a rc·~<·rYe fnnd.
42· 1 a~n no\V in u, Delegate~.
to f<,l'lll an opinion on the points ~ul>Jnitted to me by the Committee of
43· To ~a,·e 1he Association fmm (,eing- wonrid 11p, two H?]Jflratc plans for it,: reconstruction hnve heen proposed, the iirst examine in order of re[ereuee.
(1°), 1l1c sceu]](l hy Constable Tighe (2°), whieh 1 proceeu to
Ser;rant Biggo' Proposals.
44· (I 0
), (a) l\fembership in the Ascwciation to be compulsury on all mcmberb o£ t.lw Force, present and future ;
(h) The Hnm p:~yaiJ!e to the widow, L~C., on t\1() tlcath of n member to be £i5 or £8o; (c) The contribution per member t.o be not. more 1lum 2~. 6(1. per month;
(d) Tl1e ~um remn.iniug· ol' the mortnnr_:' <"alls <:ollccted, after discharging the death claims, to he plaeed iu the Bank as a rc~erve fund.
45· (lo), (a) Force, who He renuircd lo !Je
the average ~g-e of ent G) no objection iu regard tu
JlfJJ 0)1i11ion tli.ereou ts:
:;\[em hem hip.--AH far as thi;:; propn~al will a ffcct fn tnrc cntra.nb in to the hetwcett zo aml 30 year:; of age (between 20 m•d 2 5 in the eaHc of monnted or the present Forec kniHJ! ht·cn found to b•J ,,lighily nn(ler 2 5 yenr~ (Table
cxtm liability imposed 011 the .Mortuary Fund can be maintainell.
46. In respect to the prc~cut non-members (Table D.), the ~!une conelusion is not immediately apparent. The Table (D.) ~how;, that, out of 1,+3 I members of the force, 672 belong to the A:<8ociation, and 759, a majority of 87, are uoJI-Im•mhers, the avernge age iu both group~ heing wbstantialty the sumc, nearly 3R years; if, therefore, all t-lto lHlu-memi.Pr", the !fOIWfJer as well a' the oldn, become members, the liability per member would remain pmeti<:ally UJJ:dwrc<!. The re~nlt w•mld be, however, that a ~oeiety of 672 members (omitting l'eusioncr~), with lte:ny prospectil·c littl>ilitic_.,, J,ut, nnfortm1at.ely quite devoid of capital anti with 11 }Jroblemntic:al fu!m·u et>Htrilnttinn·incon!e, would be at om:e c·Hlm·ged into a weiot.y of 1,43 I member~ (still ignoriug the l'ensione:'s), with linhilitie~ now twiee ail great (the duaths bei:lgprohably doubled), with no ~adngs in haml from the pa8t contributions of exist members, bnt with double the receipts from ea lis, thong it t he~e will coutinue to he iusnfficicnt to di~clmrge the then accruing claim:;.
47· Compul~ory member~hip wonld tlouldles~ extend the scope of the sneiety, but would in no wn.y improve its fiuaneial eonditiou. I am, thurr-,fore, of opinion that, assmniug compulsory powers eould be obtl>iuerl (n, matter of considerable \lll('crta:nty), it woal(l be a vor.v impolitic proceeding to compel all the non-members to join on equal tenn~ irre~pectii'C of the age attained.
48. (b) The death payment iu be the ~ame, £8o or £75, for all memhcrs. I am not in ftnour of this proposal. If it were a question of bringing a new :-<ociety into existeuee, a fixed sHm at death might be a nece~~ary part of the s.v~tem, hnt in tlli~ ca~e, where the object, to be aimed at is to strive to mitigate the lmrdsh\p a faulty system has inflieted in its extrmne form on the senior and most stt:mdfast member,;, I think there shonld be a maximum aud minimum payment at death, thu former to he claimable by the original and wrviving cntmnt:-; in 187o, and tlw latter by those who joined, ,;ay, in r896.
49· (c) Of this propo~nl I npprovc, in ~o fat· as it applies to'exbting members, aml with the words "not more than'' excised tlterefrom ("eo par. 59 below).
so. (d) This propn"al nwct~ with my cor<lial approl'al, the surplus funds boiHg, however, invested at interest in some appro1·ctl security, such, for in,;tauce, a>~ i:; prescribe•l iu the Friend/!/ Societies Act 1890, seetion 16, (I.), (a), (b), (c), (d), whieh run thus:-
(a) In auy savings bank, or in any bank incorporated by Uoyal Charter, or by or under the provisious of auy Aut of Parliament, or ou Jepo~it with the Postmast.er-Geneml under any law no'l' or hereafter to be in force relating to post-offiec deposit for saYiugs;
(I,) On Govemmunt soemitie:> of the colony of Yietoria ; (c) On mortgage of frecho],[ ur len~elwld property (such basehold Luing for a term of years
absolute, of which not lees than 20 yunrs is nnuxpir!:'d) ; (d) On debentures or other ,-ceurities of the eorporation of the city of 1\iell"Hlrne, or the town
of Gculong, or auy muuieipality issnetl uuder the provisions of any Act of l'nrlinment.
Constable 1'iglw'.~ Proposal~·.
51. (z"J, (a) The BUlll payable tu the next of kin of a decmtsed nwntber to he £75 during the first five years, and £ 1 oo nftenYard,;.
52. (b) Prese~t ami fntnre members to pay a gTaduaied scale of annual contrihution'l iucrea;;ing quinquennially with the age wheu they did or will join the Association, from 3os. a year at ages 20 to 2 5, to 8os. a year at ages above 45·
MlJ opinion tltereon is :
53· (2°), (a) Gniform death payllleuts do not commend thern,.,dves to rny judgment, for reasons given above under (1"), (b).
54· (b) Gradunted Contribntious.-1Vhcn a fresh Assurance Society is being established with a fixed sum, say, £10o, or some mnltiple or snbmultiple thereof, to be payable at tleath to all the assured alike, in order that there might be the relation of etpudity from the outset between the nssets and the oblig11tious mcurred, the contrilmtious Hhould be gradnated iu proportion 1o the liability brought upon the funds at the entry-age, tbe old entrant~ paying more thronghont llf(•, the yonnger, le~s ; hut the introduction of such a system into the Association at t.he present crllieal stage of its hi:'tury woulrl, in my opinion, be ineousistcnt with the equities of the ea~o.
55· The que:;tion now being, not lhc formation of a new Society, bnt the re-organization of an existing Society, in such a way a~ to best retrieve the effect of the injustice to smvil'ing members of the erroneous lmsi~ adopted at its iunugumtion, I am Hmtble to recommend the adoption of Constable Tighe's scheme in 1897, which adopted in r87o would ha1·e rendered the presour crisis highly improbable of occurrence.
56. Among the proposnit; made to the Associati<m that oJ' Constable \Villiums appenrs to me to he designed upon the most equitable principles lll!tlcr the eireumstauces, aml to be easiest of application to both existing and future member,;.
Constable Williams' Proposals :-
57· (3°), (a) Present and future members to contribute zs. 6d. per month each.
58. (b) The amount to he paid tu n member's widow to be £35 as a minimum, increased to a maximum of £8o by the addition of £1 xos. for each year of membership up to a limit of 30 years.
59· I therefore recommend that the Hules of the Association l1o remodelled, so as to inclnJe the following provisions relating to the contribntiotJS to be paid by member~, present aud fntnre, aud to the benefits to be givou to their widows or next of kin.
D 2
6o.
bi.
(a)
(b)
36
CONTIUBU'l'IONS.
Members now in the Association shall in future contribute to the funds thereof the sum of 2s. 6d. per month.
Present and future members of the Force shall on joining the Association contribute thereto according to the subjoined scale :-
Age of joining.
20-30 30-35 35-40 f0-45 45-50
Contributions per month.
s. d. 2 6 2 IO
3 2
3 7 4 0
Persons above so years of age not to be admitted.
BENEFITS.
62. The contributions under scale (b) are sufficient with interest to provide Assurances at death within the limits stated.
63. The sum to be paid to his widow or next of kin on the death of a member shall be not less than £35 nor more than £8o, according to the duration of his membership, being £3 5 with the addition of a return of all the mortuary calls or contributions, not exceeding £45, which such membet· has actually paid.
64. It is to be clearly understood that this recommendation i~ intended as a measure of immediate relief, the object being to at orice arrest the ruinous dispersion of the whole sum collected in mortuary calls now going on, as well as to commence without delay the gradual building up of a reserve fund, without which such a Society as this would fail to continue to discharge the obligations undertaken.
6;. Should the Association be re-organized on the recommended basis, I am of opinion that, with ordinary good fortune dnring the early stage of its future progress, there will gradually be brought about such a numerical anrl financial improvement, membership therein being thereby made attractive and popular, as finally to place the funds in a permanently solvent condition.
66. The surplus funds should be invested in trustees, who::;e duty it would be to keep as much thereof as could be spared, after making provision for current and early anticipated claims, ret:tularly and closely invested, at as high a rate of interest as could be procurable consistently w£th safety. The scale of par. 6£ (b) has, I may explain, been calculated on the ba~is that not less than 3 per cent. per annum interest will be realized in futnre on the tot1~l funds.
67. Towards defraying the cost of managing the buAiness of the Association a proportion not exceeding 2~ per cent. of the receipts can be used, wherefrom the secretary should in future be paid a regular salary commemmrate with the valne and amount of the work he is required to perform.
68. Some difficulty and delay have been experienced in obtaining complete particulars of the condition and progress of the Association, the information in a few cases not being now procurable at all, and in one instance the necessary figures were obtained indirectly by an approximate estimate; this has arisen from defects in the records, due to past inattention and neglect. I would suggest that in future greater care be tab:n in keeping an account of the transactions by noting, when they occur, not only the admissions but also the retirement of members, whetl1er by death or· otherwise. Of the necessity of accuracy in respect to all cash credit and debit entries, I need say nothing.
69. I should like, in conclusion, to express my obligation to tl1e Secretary for the completeness with which, under somewhat adverse circumstances, he placed the case of the Assoeiation before me, and for his readiness in furnishing me with such further information as I subsequently applied for.
70. Shonld the Board of Management desire my further opinion on any point they will be good enough to communie<ttc with me again.
3oth November, I 89i.
Mr. F. A. Hunt, Secretary. P.W.O.A., Criminal Investigation Branch, Police Department.
EV AN F. OWEN, A.LA., Actuary for Friendly Societies.
Sn~,
37
1\'I.U.I.O.O.:F., 1899 :-Al\1ENDMENT OF RULES.
Office of the Actuary for Friendly Societies, Molbournc, 26th .May, I 899·
I hnve the honour to inform yon that I have given consideration to the various documents relating to the M.U.l.O.O.F. in Victoria, which yon placed before me on the Ioth inst.:-
The Report of the Board ~Iecting of the 7th January, 1885, eontainiug that of the Commission on the Fimmces, I 8 84.
The Report of tte Proceedings of the Grand Annual Movable Committee, at Prahran, in March, I 884, emllodying the Amendments in the Laws recommended by such Finance Committee, with a copy of the General Laws as amended by the A.M.C. in I 884 and I 88 5 ;
A copy of the notes of the C.S. on the Ca.pital of the Order, and sum expended as Sick Pay dnring the uine years, 1890-98 ;
And the Report of the Proceedings of the A. :\l.C., at Baimsdalc, in J'.:'farch, 1899·
2. The C.S. also drew my attention to the following Resolution adopted at the Bairnsdale A.M.C. on 22nd March last :-
" Resolved-20. That the officers of the Order be requested to draft such amendments in the Gener:1J Rules as are necessary for securing the future financial stability of the Order on the lines of the equitable re-adjustment of the tables of contributions or benefits or otherwise ; that they be empowered to obtain the advice of the Actuary for Friendly Societies, and report thereon to the G.M. and Directors in snflicient time to have the amendments published in the next ,July Board Report for consideration by the A.:M.C., 19oo."
3· The notes submitted by the C.S. refer, besides, to the power to levy under Rule z and contain the following alternative proposals :-
(1) To reduce the Benefits to Old J'.Icmbers from Ios. to 5A· per week; ( 2) To reduce Benefits to all similarly ; (3) To limit the amount of Sick Pay :my member may draw, as in South Australia.
4· To be able to suggest the b0st course which might now he followed "to secme the future financial stability of the Order," I have paBsed in review the results of my previous examinations into its position in I88o, 1885, 1890, and 1895, with the recommendations I had made on each occasion, and other proceedings of this otlice in connexion therewith. I reproduce for the information of the present Governing Body the subjoined extracts from the Annnal Friendly Societies Reports containing particulars of the Valnations of the Order:-
A.-First Valuation : Results, with extracts from official comments. B.-Second Valuation: Results and comments. C.-Third Valuation : Results and eomments. D.-Fourth Valuation : Results and comments.
Note (a).-Initiation fees, equivalent weeklylcontributions thereto: Note (b).-Excess of sickness during each Valuation Period.
E.-Fourth Valuation : Pmportion of" Old" Members. F.-Scale of Contributions supplied in 1884. G.-Additions to Contributions recommended in 1884. H.-Income, Outgo, and Sick Pay, 1890-91-9Z- 98.
)f.U.I.O.O.F.: RESULTS OF TilE VALUATION, WITH EXTRACTS FR0:\1 OFFICIAL COM}IENTS.
A.-FIRST VAI,UAT10N, y88o (F. Sos. Rep.for Year 1882).
Contribution per member per week, 6d.* Proportion to Liabilities per £ of-
Value of Contributions Capital Assets
s. d. 8 10
7 3 I6
*Note (a).-Initiation Fees.-Members initiated prior to ,July, I885, paid to the Sick and Funeral Fund the following Entrance Fees (F. Sos. Rep., 1S8z, p. lxxii.)
Age at Rntry. Per Week. Per Fortnir;ht~
s. s. d. f. s. d. f. I8-2o 7 0 0 0 lcr 0 0 o! 20-22 10 0 0 o! 0 0 I 22-24 I3 = 0 0 oJ 0 0 I,l • 24-27 !6 0 0 Ot 0 0 If 27-30 20 0 0 I 0 0 2 30-p. 25 0 0 It 0 0 2£
32 35 0 0 1tu 0 I o! d
33 so 0 0 2~ 0 I I"-4
34 67 0 0 • 7 0 I Jij >T~ H-36 85 0 I ~ 0 2 1 ;j •
38
Cumments of G. S. (p. li.) :-" 2. I desire to draw special attention to the fact that the Actuary's investigations show umnicitakably that the funds and prospective contributions are insufficient to meet the prospective liabilities in the case of the majority of the LoLlges of all the districts except one, nnd of the Order as a whole. I would suggest that this important matter should receive e!trly attention at the hands of tbe authorities of the Order."
Comments by the .Act.uary (p. liii.) "IO. (a) The deficiency shown is seen to arise from the insufficiency in the aggregate of the accumulated funds of the several lodges and districts. This is believed to be owing to the fact, brought out in the details of the valuation, that the contribution of Is. per fortnight receivable from every member alike, whatever his age when joining the Society may have been, is totally inadequat.e-exeept at the very youngest ages in some few lodges-to the discharge of the prospective claims, after making due allowance for the sum paid at entry aeeording to age under General Law No. I 10. (See Note (a), p. 37.)
B.-REooxn VAIXATION, 1885. (F. 8os. Rf;l., 11\86.)
Contribution per member per week, 7rl. Proportion to Lial1ilities per £ of- s. d.
Valuation of Contributions 10 o Capital ••• 7 I
Assats •.• I 7 I
Comments by G.f'. (p. 5).-" 2. I am gratified to perceive that, iu comparison with their condition at the first, quinquennial valnation of the Order in 1 88o, there is an impmvement in the financial condition of a majority of the Lotlge8 and Districts and of the Society as a whole, but regret that a greater increase in the contributions of me m hers admitted prior to July, I 88 5, was not adopted, al!(l that snch increase was not made earlier in the quinquennium."
Comments by the Actuary (p. 33):--" 5· The deficiency shown I hlllieve to be due to the inadequacy of the present contributions of m em hers h1 itiated prior to July, I 88 5, awl of their contributions before the l'eeent increase therein waR made, to provirle the ~iek aud funeral benefits given i11 the Society. "
"6. In order to make good the deficieney, I reeommeud that such members' contributions he made eommensurate with the liability they severally impo~.erl nu the fund~ at their age of entry into the Society, nnd that the deficiency then remaining be removed by an equitably apportioned levy."
"10. (p. 40). It i~ scarcoly neeessary to point out that the improvemeut would have been greater Lad the inere!tse in the contribntio1:s been such as to be adequ:•te to the liability ill1I)o,.;ed on the funds by eaeh member at the age of entry. Had steps been abo taken to make good the defieiency due to the insufficiency of the contributions dnring the past opemtions of the Society the assets would now be eqnal to 20s. in the £. The improvement would also have l1een more marked had the capital received the benefit of the incrca~e made in t.hc eontrihntions l'or a longer 1wriot! than the last six months of the quinqueuninm. The con~cquence ol' this delay has been, that wbile the valne of the contributions has advanced relatively to the liabilitie~, the accumulated fnud lm;; weeded to a ~mall extent."
"I I. I may state that the ~cale of contributions graduatetlaceor<ling to age a.t entry, adopted l1y the Melbourne Grand Divi:liou of the Sons of Temperance, has been made to apply to the existing as well as to the future member~ of that Soeiety. This example is worthy of imitation hy every Friendly Society in Victoria."
C.--THIRD VALUATIOX, t8go. (F. Sos. Rep., 1891.)
Coutribntiou per mmuber per week, ... 7~d. (av.)
Proportion to Liabilities per £ ofValue of Contributions Capital Assets ..•
s. d.
10 IO
7 9 18 7
Comments of G.S. (p. s):-" 3· The Actuary reports that by the additional payment of Id. a week on the part of those members who entered the Soeiety prior to July, 1885, over 20 years of age, and whose contributions have therefore been more or less inadequate during their entire membership, the assets could be made eqnal to the liabilities. I should be glad to learn that this important Order, which occupies numerically and fimmeially the foremost place among Yietorian i::locieties, had taken either the step suggested hy the Actuary, or some other efiective means, to remove the di~ere(lit attaching in the public mind to institution:< who~e assetH are insufficient to discharge their preFent an(l prospeeti\·e claims."
Comments hy the Actunry (p. 6) :-" 6. The deJ1eicucy shown, I helieve to be due to thl3 iuadequacy of the eontribmions to provide the benefits of those members wl10 were initiated priur to July, 188;, when the adequate graduated scale for new members came into operation. 7· Iu order to make good such deficiency, I recommeud that the contributious of those member~ who were admitted under t.he old 1milorrn scale at the age of 20 years and upwards shonl(l he increased hy HL a week."
D.-FOURTH VALUATION, r8g).
Contrilmtion per member per week,
Proportion to Liabilities per £ of-
(F. Sos. Rep., 1896.) . .. 8d. ( ar)
.~. d.
Value of Contribut.ious ro Capital 8 o Assets I 8
Comments of A.F.S. (p. 2+):-" 2. The small reces~ion from the financial po-ition of 1890 is obviously dnc to the mate1inl iucrense in tl!e rate of siekm,~s during thte preceding five years, which ad vcrsely aJfeet~ the as~eb and l iahili tic>s i 11 l\YO direetious-first, by depleting the ea pi tal and thus retarding its proper growth ; uurl, second, hy the influence of the r(went qninqnerminl experience in raising the present est.imnt.ed value of sidnwss claims."
Cornmruts by tlm Actuary (p. zs):-" 5· The deficiency shown I believe to be dne mainly to the remarlmblc increase in the annnalrate of siekness p~'r member <luring the five years 1890-95 (a period of great trade depression), the siekness having hc>en above tho uormal average dnriug the preceding fifteen
years,* and in a lesser degree to the effcci of the pre\'ailing reduction in the rfli<; of iulcresi obtained on investments in keeping- down the futrl!'(l rate 'a::smncd in the valuation' of each lodge."
"19. (p. 29). The pn.sl pmgre~.~ ol' the Soeiciy let! to the antit:ipatiou that the assds wo_ultl hnve now been eqmd to the liflbiliii(:~; that they are not ~o i~ due ion eheek from the deprc:>~JOH of tho last few years, whieh i~, however, I think, of n t~mporary and not of a pcnn:;uL'nt character."
E. ·Focwrn VALL\Tlux, 1895· Members iuiLltttotl prior to (Ol<l :\'lumbers), allll aft<:r (iueln.-;h·e). the I 'it ,July. 1S~5 (:\('W :.'Jei!Jh::rs), with
Eutry and A11ained Ag·c,, nud Weokly ContriLntion' paid.
A;;:·,: Att:l!nc;l ~ OJ;l.\iC>mbers, rS-36.
)::.11.9~· 6d. hefore, 7d. after1
lj-ZO 20-25
2)-JO J0-35 35-40 40-45 45-50 so-ss ss-6o 6o-65 6)-70 7°-75 75· 8o So-Ss
f.j.:l).
J68
53 76
956 1,)19
1,357 1,12 [
1,032 11009
1,119 622 110 28
8
189 t8C} 1,59~ I>oS r 2,703 988 2,246 1,300
53 '" )•
26 I 5
8.6;o
20--t). Hd. l0tL
SII 1,1)7 558
713 I ,2.2.7 I3 8; 555 7
35 29 4 27 14 J6 16
The" Old" :ii/Icmb:•rs eon~titnto 52 pc,· eent. of the wlwlo.
:rotnl.
t:-:. b.
2.779 264 ).l02
3 1 9 7 I 5 2,819 97 173 3 5~ 1,784
17 I ,I 8 3 r ,c85 1,041i
682
"Table of Quarterly Coutri!JtJtions ncecs~arv to ho from i Le a;::e of admi~,>iou hv c·:teh member or the :VLU.I.O.O.F. to pn;vit!e the fullowing ~ick 'awl Fnncnd l"·uofits :~ •
zo;:, for :tst six month,;' ,[ekuess I 3~. 4tl. for znd Bix months' siekncs'l
.fzo at tlcnth or member. £ro at delttit of wife.
Ios. for 3nl six ll!onths mill snhse<1nent siekrws,;.
ADEQUATE CONTRIBUTIONS.
Age .:.t Et1ny. Per \~n~u·ter. Pm· F'ottnig·bt,
. -;, rl. s . d. 18 7 3 19 7 6 2
20 7 8 2
21 7 ll 3 22 8 2 3 23 8 4 4 24 8 8 4 25 9 5 :!6 9 3 s 27 9 6 6 28 9 10 6 29 10 2 7 30 IO 8 31 ]0 II 8 32 I1 4 9 33 l1 9 I 10
H 12 2 I II
35 12 I II
j6 13 2
37 13 7 2
38 14 I 2 2
39 I4 8 2 3 40 I) 2 +
In the eonstwetion of thb Table I have taken into ne•·onnt ilu· i':t~t,: bro11;.;ht out ia my vrdllalion •Jf t!Je Society. I have al~o n.~~lHtHd that thr> t'ti•ll[, wiil he!H'df,.l(h he inve-io I -o "' r, l'<'llllll n•ll lv~- th.,n 4! per cent. per mmurn illterc~t ou the ·,-dwie and that rlu~ liHml,er of motnburs in, ul'!t Lotlg1: will alway,; be g1·eat to re;Llize n fair :.pproxim:ltion to ltYerng·;· rcsEih,''t
*Note (1;).~~::-;iekness, ltate of: 'rlw •· exp 'ett·ll" .u1~:n:n pt'!' 1c:: ilH'm:,<::rs at·,·ord;u:~· to 1 he ~lHH·laril Table bl'ing· taken as 1co wec-l~s, tht· "ttt·tual" ~I-ck:~es...: cluri11g-
The five yc•ars 1876~~0 W:LS I 17 we•·i,.; 11 I~St-b5 " !10 " " 1886--9~ ,, 111
1~91-9.5 11 12.7 n -(Fr. SllN. N('jl, tS;;(i~ p. 3~: r8;6, p. :}.1.)
in view of thccontimt0d tulhet'l'nN~ hY fi!iY ~~Jri0~y, t,l thv iuC'qnib.h1c nwl illl}'oliti(· nuwrrti ~l'i•C:"~~Jnv;lt "':.tJ~t'ill, that !I per eorttrihut;iortsl,elong i.o the funeral fnnd. ·
40
(~.-VAIXATWN OF Iil8o: V{EEKI.Y ADDITIONS TO THE CONTRIBUTIONS.
(Recommmded by the Actunry, z.I0.8f.)
"Taking the membership ns it stood at the Valnation as n whole, without distinetion of age, the ~veckly contrilmt.ions of thL' members of Lodges whereiu the assets were less than the lial>ilitic~ ~]l()uhl be mcreased aecording to tl1e following seale :-
Dcfidcncy per )lemlwr. Corresponding 'Yeckly Addition* £ s. d. 2 x~
I
f 6 rk 5 If 2
7 3 8 Il 3
10 0 l!, I I y f 12 ["7 +} I
q. 6 5 I 5 If ·!
);t
!'7 I 3 6
I8 I I 6~ 20 0 7·"
H.-1I.U.: SICK AND FUNEHAL FeND, r89o-98.-INcmm, OcTGO AND SrcK PAY. -- -·-
Income. Outgo. Sick Pa>··
Year. I I Contrlbmcd
I. !Jnd er I • Over
b,v Members. Intel'cst. Total. Total. Total Ineome. Contr>butcd Amount. Per :\Ien1hcr. Income.
.. .. --- ' --~-,-·--· --~~----
£ :C £ £ £ et £ £ 8. d. 1890 31,117 r6,386 47.503 p,6J4 l s, 869 )I7 26,524 I 9 7 I891 33,209 I6,6o8 49,8I7 35,432 14, ss s 2,023 29,6)2 I ll 11
1892 J2, 574 I 7, I I 7 49,69 I 3 3, I 7 5 16, 5 I 6 6o1 2 7.335 I 9 r 1893 3r,8oo 17,190 48,99° J6,480 12,510 4,68o JI,77I I 14 7 1894 JI,187 16,684 47,87I 37,844 10,027 6,657 J2,473 I 16 2
1895 J1,59I I 5, 92 3 47,514 39, 269 8,245 7,6]8 33,249 1 17 6 1896 32,682 I s,694 48,376 38,229 IO, I47 5,547 32,(")7:!· I IS 9 I897 33.963 '4·964 48,927 39,928 8,999 s,g6s J2,779 I IS 4 J8g8 35,88z 15,468 5 I,J)O 44,86o 6,490 8,978 35,945 I I4 10
·--· ·-·---
18go-98 294,005 146,034 440,039 336,6)1 103,388 42,646 z81,8oo l 13 10
5· To the table furnished me by the C.S., of the Income, Outgo and Sick Pay from I 890 to I 898, he appends this note :-
"The first Table shows that only in one year have the Contributions been able to meet the Expenditure, and that the Interest, which until the whole Order has reached a surplus, should he kept intact, has been increasingly trcuched on, until this year it reaches the large snm of £9,000."
6. The ahove extracts from the several 'Valuation Report><, A, B, C, D, serve to show that I have repeatedly called attention to the fact that the members initiated into the Order in Victoria since its inauguration in I8fO until ,July 1885, have been in receipt of Sick and Fnnerul Benefit,s very mneh in excess of those the eontribnt.ions paid h,v them, including Entrance Fees (>lee 'X ote (a), p. 39 ), were sufficient to purchase. ::\lore reccutly, in the 1897 Friendly Societie,;' Heport, p. 34-, I imlieate that \vhile the Contributions of "K ew '' :Members there given are adequate, tho,ce of "Old" Members are quite inadequate.
7· By the Taulc of "Old" and "New" Members included in the 1895 Valuation (E), the New :&fcmbers are seen to number S,G;o, paying adequate mtes, and the Old Members, 9,178, ·pa,IJitlfJ quite inadequate rates. These, in my opinion, are the members to \\'hom the a•lverse position of 188 5 is m:tinly due. The principle of simple equity and justice to the Younger :Members deumnd;; that such an anomaly should be, as soon as may be, put an end to.
8. This, as regards the future, could be brought about hy the Old Members pnying hereafter according to the Scale I ~upplied in I 88f (F), as at their· age of Entr.t; into the Ordc1·.
9· The alternative proposal of the C.S. (see par. 3 ( r) above, p. 37 ), to red nee the Third Rate of Siek Pay from ros. to ss. a week, is intended to apply, as I unJer~tand it, to Old :Members ouly. If made applicable to all members alike, the Contribution-Scale of I 88f (F), would of eomse have to be modified in consistency with sueh reduced rate of sick pay.
10. By the 1897 Friendly Soeietics' Report (p. 70), SICKNESS IN PERIODS, Rrrtio to Total, it is shown that f9 per cent. of the total period of sickne~s wa~ paid for at the 1 os. rate during the year I 897, and ;o per eent. during 1896. On running the eye down that Table it will be seen that in many societies whose lowest rate is 5s. a week, the ratios are higher than in the M.U. The conclusion I therefore dmw from the facts is tbat t.Jw high third rate of sickness in the :M.e. is due, not to the payment being as high as Jos. a week (in which the :M.U. stands alone), bnt to the allowance being drawn in many cases more as a pension in old age than as normal sick pay.
41
1 I. Among the facts brought ont in the Table of Jxco:uE, OuTGO AND SICK PAY (H., p. 4-o) are thcc:e :-Tl1e £z9-t·OCJ5 eontribnte<l dnring the 9 years 1891-98 by the members was drawn upon for sick P'lY In the exteJJt of £z8J,ooo, £12,205 tn dh:ehargc funeral claims of £sf,8)r, neces::;itating the liS\' of £p,64-fl ol' !lu iltt''l'('~t the ::vldition to capita[ !JeiJtg £IOJ,j88.
12. In th<' construction of the Scale of Contributions Tahle in 1884 (F .. p. 39), I made allowance for tlw netnal ,,iekne>'~ hadn~ then been 17 }>\ll' cent. nhovo the cxpcctn.tion; that dnring 1891-5 it has still Iurr,her iJwre.l:'O<l nbon t 1 r por cent., 1 :tttritmt.c to 1 he c:<;.eeptlonn.l circurn:;tanecs of the period, as I stat,•cl abo1H'. p. 39·
13. Tlw ratQ of intmo"t nssumcd in tbat Table was per cent.; should it be necessary to revise the fignre,;, the fall in interest wonlil pi'Olmhiy reqniro that a lowm' rate should he employed. J\s far as Friendly 6oeieties' invec:tments arc eonccrned 1 anticipate, however, some cfi'cctive recovery.
q. 6uc!i Table of ContrihntioHs, I ma.y also point ont, wa~ given in quarterly payments ; in th~~t given herein, p. 39, 1 have f'taterl the uorrespont!ing: rat.e;, a-" per fortnight, the lodge-meeting intervals, il<Stend of pet· week. This form j,; ~nperior to that of Hnle No. 61 of t.he JI.'I.U. General Hules, it is better graduated and, therefore, more r:quitnble, aiHl udmits of tlw scvernl age-groupings beiug made :;m:lller nntl closer, a grear IHlvantage whcu applie•l to "Old .l\Iember~.··
I 5· \Vhet!:cr it i~ n<.h"i,-•thle under all the !'in·tlmst.nncc,; of the cnBe to reduce the third rate of sick pay hy ou::.lwir (p:t.r. 3 above, propoemls I and z), is a matter of policy appertaining more particularly to the Govcming Body to cou~ider, RO al~o is the maximum 1 imit of Proposal 3 (I may besides draw atteution to the difference in the relation of tlw n!tCf< of sick pay to cnrrent wages in I 899 and I 84o ). I am, however, iudinccl to put greater stJ·css, both a• a means of removing the exisr.ent unfairnc~s among the membership ami of" ~e<:nring the fnturo finuneial ~rability of the Order," and as a mea~nre of attainable relief (recentl,11 adopted h.tl thr A.O.F., Jl! D.) tl1e payment· by the ''Old .Members" of the rates of Table F, column 3, p. r6, ac:conliug to the age of initiation q]' each into the Order, the fortnightly equivalent. to the amount paicl in one ~nm nt cnt1·y (note p. 37), lJcing in justlee taken into account.
r6. 1 do,-ire, in conclusion, to nl!nin appeal to tlw }ianagemcnt in the words employed in I 892 by my distingni~hed prcdece~sur iu the admini;;tmtion of the statute, H. H. Hayter, Eoq., C . .M.G. :-
" 1 ~hould lle glad to !cam that this important Order, which occupies numerically and flnnncinlly 1hc foremo~t place among Yietorian socicti<"s, l1nd taken . :o-orne ~ufficicnt means to rc•movo the tliscr<·<lit. attaching in the puhli(~ mintl to iustilnLions whose assets are insufficient to tli~(·harge their pl'O.'Cllt and pro"pectiyc iiabili tic".' 1
,T. H. Taylor, Esq., .T.P., C.S.,M.U.
SI:'PPI.EMENT.
I have, &c., EV A::"~' :F. OWEN,
Actuary f()l' Friendly Societies.
(Fumi.•hed bf! refjuest to C.S., 29·5·99·)
CoxTRIBl;TIONS TO BE PAID BY " OLD JI.'IEllmims/'
18 19 20
21 22
23 2.j.
25 26 27 28 29 3C 3• 32 33 3+ 35
Contributions per l>~ortn
not n.llo 1nitiation
(F., p. 39),
s. d.
2
2
4-4-5 5 6 6 7 8 8 9
10 1 11
I li
2
2
I
I ,} 1 IJ
11 11
' J
' I;~ I} !
Ag-e when Initiated.
(4)
18
19-21
21-23
23-25
2)-27
27-29
29
30-32
32 33
34-36
Contributions per Fortnight,
allowing for Initiation Fees.
(5)
s. d.
2
3
4
6
7
8 I 9 I 9
SUM, in addition to the IS, •d. rate,
to be paid per Fortnight.
(6)
d.
2
3
4
5 6 7
7
42
THE SECO~D VALUATION OF THE :1\I.T.ll.S.
Letter from the Actuary for Friendly Societies to the Secretary, forwnrding Resnlta of his Yaluation.
Office of the Adunrv for Frienc1lv Socictie::;, :Melbomnc, ·I 6th ,J tme, 1'899· SIR,
I have the honour to forward herewith my Heport on the finnncinl condition of The Jlutual Benefit Society of the Ernployt.s of the 1lfellJO'I1'W' Trcwmuz; awl Omnil,u.> Cmnpmz; Limited, to~etiler with an Abstract of the rewlts of my Vnlnation a" nt. the 31st December, 1898, in aeconlance with the provisious of the Friendly Socictie8 A et I 890, Sec. q ( i)
z. I am gratifiecl to find that, upon this the second Actnarial Investigation, the assets are again in excess of the liabili tics.
Mr. G. Feinaigle, Sec. M.T.B.S., 673 Bourke-street, Melbourne.
I have, &c.,
EVAN F. OWKN, Actuary for Friendly Sodeties.
REPORT OF THE ACTUARY.
ABSTRACT of the Results of the Second Valuation of the M. T. ll.S.
Nature of Benefits.
Sick allowances-During first half-yearts sickn-ess, at :os.
per week ~~ .. •• During third quarter's sickness, at ros.
per week .. , . During 1ourth quarter's sickness, nt ss.
per week, then to cease
sums payable at death of.1\Ie:mbers, at £zo )Vtves, at £to .. Widowed mothers of single members, ut
£.ro .. .. .. The excess of value of contributions at the
younger a&es above that or benefits
Total
I. Established in the year Igss. z. Situated in Melbourne.
Value of Sick aml l'~uneral Benefits.
r6.:wr
I,J78
6,os8 I.42)
6,67S
5 ,tl I + 3,414
3· Tabular Summary of the preceding valuation as at the 31st December, I 893 ; and of the present valuation as at the 3 I st December, I 898.
Valuation Date ;
ns at the-
31st December, r893 ... 311t December, 1898 ...
Knmber of~ An:rage
Age.
}{em hers. nute of Interest.
Experience during p1·eeeding Qnlm]uC<twinm , Ohtained on Total Funds during·
"ccessJcon';< groater (+)or les& (-) ; p1·e('edin~ (luinqueunhnn. than, or equal to ( = ),
that of the }I.t.'., England, r866-7o.
43
4· I have taken Ratcliffe's Expet·ienee or the Manchester Unity Imlepentlent Order of Odd Fellows
in England, 1866-7o, as the basis of the Valuation Tables employed.
5· The results obtained, in the first instanee, from the Valuation Tables have been modified so as
to approximate as closely as was considered expedient to the quantities which would have been brought
out had sucl1 tables been originally Lasetl 011 the quinquennial experienee of the members of the Branch.
6. The values of the prospective income and outgo, on account of members owing more than
fourteen weeks' contributionR, have been excluded from the Yalnation.
7· The ,;;mpltlH shown I believe to be tlue to the sufnciency of the contrihntious to provide the
benefits, together with the eapital fumisltctl on establishment, and subs(•(ptently from time to time increasell
from members' contributions and from il1vestment returns.
8. The following points call for remark :-The effect of uniform Contributions payable Ly all
members, irrespective of their entry ages, even when adequate, as in this case, is to require the younger
entrants to pay continuously more than the receivable benefits are worth, HO that the older entrants may
pay less than the valne of the benefits. The value of the over-payments of the 17 5 member~ under 3 o years
of age is given in the above Abstract as £97+ out of the total liahiliries of £zs,590.
~~---···~---~·· -~------~--··--···
Liabilities. Assets.
~.
" "' i g 00
<ci '3 ~ ~·:.::
2 "' z:: " 0 "0 > "' ;;;....::-.)
---~-
£ £ £ £
•7,802 ;,878 25,68o 22,976 i
4,513 17,895 7,695 2),)90 2J,803 ),211
Office of the Actuary for Friendly Soeictie~, Melhotlrne, I 6th Jnne, I 899•
27,489 29,014
' G ---· . ___ ·----·
£ £ s.
6 I; 7 l l' j 7
EVAX F. OWKN, A.I.A., F.S.S., Act nary under Fl'ifndly ·"''o<"ietifs A l'f 1890.
44
DEFERRED ANNUITY :
FORTNIGHTLY CONTRIBL'TIONS ADEQEATE TO PROVIDE A.N ANNUITY 01<' 5s., PAYABLE AT END 01<' EACH
WEEK FRO~'>I THE AGE 60 oR 65, 1\ CoN'l'lNGENT oN st:RYIVAL TO 2,, ~WITH RE·runN OF CoNTRrnr;TIONS AT DEATH PRlOn TO THAT AGIL
Age at Entry.
20 21 22 23 24 25 26 27 28
29 30 JI 32 33 34 35 36 37 38 39 40 4I 42 43 4-4-4-5 46 4-7 48 49
Contingent on Rurdval to-
60 6J
s. d. s. d. 0 II 0 6 l 0 0 7 I 0 0 7
I 0 7 2 0 8 3 0 9 3 0 9 4 0 9 5 0 IO
I 6 0 IO
7 0 Il 8 0 II
I IO I 0 I II I 0 2 0 I 2 2 2 2 4 3 2 6 4 2 8 I 5 2 IO I 6
3 I I 8 3 4 9 3 7 I I
3 Il 2 0
4- 3 2 :1.
4- 8 2 4-5 I 2 6
5 8 :1. 9 6 3 3 0
7 0 3
60
1 2
3 4 5 6 7
I 7 I 8
IO Il
2 0
2 I 2 3 2 5 2 6 2 8 2 10
3 0
3 3 3 6
3 9 4 0
4 4 4 & 5 I
5 6 6 0 6 7 7 3 8 I
6J
s. d. 0 9 0 9 0 10
0 10 0 ll
0 Il I 0 I 0
1 I 2
3 3
I 4 5 6 7 8
I IO I ll
2 0 2 :1.
z 4 2 6 2 8 :1. IO
3 I
3 4-3 7 3 IO
4- :1.
A_!:;c at Eiltl'y.
20 2I 22 23 24 25 26 27 ~s
29 30
31 32 33 34 35 36 37 38 39 40 4I 42 4-3 4-4-4-5 46 4-7 4-8 4-9
THE ROYAL CmunssiON ON OLD-AGE PENSIONS, VICTORIA, 1898 : Repm·t, App. Jf. pp. 328-9. Tables prepared therefm· by the Actuary for Friendly Societies, 30th June, I 897.
Rm,
'THE FOURTH VALUATION OF THE BENDIGO DISTRICT, A.O.F.
Letter fr-orn the Actuary for F'1·iendly Societies to tlw JJi.~trict Secretat?J, .fo1·wcwdinp Result.~ of his Val-uc~tion.
Office of the Actuary for Friendly Societies, Melbourne, zznd August, I 899·
I have the honour to forward herewith my Report on the financial condition of the Bendigo United District of the Ancient Order of Foresters Fricwlly Society, together with an abstract of the results of my valuation, as at the 3 ISt December, I 898, in accordance with the provisions of the Friendly Societies Act 1890.
z. The assets relatively to the liabilities at the valuation of I887 were equal to 13s. ud. in the £ ; at the I893 valuation the assets had receded to us. 6d.; at this valuation they have, however, risen to I 3s. zd., the present deficiency being equivalent to 6s. Iod. in the £. The reason I gave in 1893 for the then adverse condition of the funds still, to a certain extent, holds good
" 2. The efforts made after the first ,·aluatiou in I 88z to improve the financial standing of the society have, I regret to percci ,.e, been rendered unsuccessful by the depletion of the funds by high sickness and funeral claims; and the several snbseqnent attempts to remove :momalies have not hitherto, it is also to be regretted, led to any heneficinl ree-nlto"
45
3. In the Amendment of the General Rules at the commeneemeut of the year very material improvement has been effected, and, in respect to memher::~ initiated above the age of 30, adequate payments have been allopted. I regret, however, that, with regard to tho~e entering below that age, I have been unsuccessful in persuading the Management to sufficiently raise the payments.
4· I also forward herewith my Heport on tlJC financial condition of the Widow and Orphans' .J11md.
I have, &c.,
EV AN F. OWEN, Actuary for Friendly Societies.
Frankland Coates, Esq., D.S., A.O •. F., Bendigo District, Beudigo.
REPORT OF THE ACTUARY.
ABSTRACT of the Results of the Fourth Valuation of the Bendigo District, A.O.F.
1 Number ~ature of Benefits. , of
Benefits.
SICK FUKDS :-Siclt allowances payable uutil the 7oth :
year- 1
Durtng first six months' sieknesf!, a.t zos. :'\ per week .• .• •• .. ' I
During second six months' sicknes~, at ros. per week . . • • • • , I
.After second six months' sickness at 5s. ; per \veek • • • . .. . • i >
Permanent allowances after the 7oth year of : 'i .£6 per annum, taken ad equivalent to I future aiek. claims . • • • . • I
FUNERAL FUND:- I Sums payable at death of-
Members, at £zo • • I Dt. 11Iembers, at £2.0 . • 1) )Vives, at £10 . . . . Wives of Dt. Members, a~ £to •• Second Wlv.s, at £to •• WidowR, at £to . . . . Probable future registered wives
Total
6g4
Annual Contributions applicable to ll!ck
nnd Funeral Benefits.
Avera.go Tota.1. per
Membe1·.
s. d.
JO 6
'I 10
6 0 IZ o
40 4
Value of ContribuLlons.
Value of Sicl<: and Funeral Beneflts.
.A5 !lerived from
tlle Tnble,
As AdjusLGd.
6,8J7
£ .£
8, 001. - 7,044
:!.48 - 6,s8g
r. I have taken Ratcliffe's Experience of the Manchester Unity Independent Order of Odtl FellowR in England, r866-7o, as the basis of the Valuation Tables employed.
z. The results obtained, in the first instance, from the Valuation Tables have ueen modified so as to approximate as closely as was considered expedient to the quantities which would have been brought out had such tables been originally based on the quinquennial experience of the members of the Branch.
3· The value of the liabilities, on account of the probable sickness after 70 years of age, has been thus estimated :-The sum equivalent at the date of the valuation to an allowance of £6 per annum for life when 70 years of age has been set down to tho account of each member in lieu of the pay then claimable in case of sickness.
4· The values of the prospective income and outgo, on account of members owing more than fourteen weeks' contributions, have been excluded from the valuation.
5· The deficiency shown I believe to be due to inadequacy of contribution~, notwithstanding the late increase therein, to sustain the liabilities, the decrease of capital (the relative increase thereof being the result of material loss of members) and to member~· a.dvanced age, accompanied also year by year by high sickness and mortality experience.
6. The inadequacy of the contributions under the General Rules of the Society to provide the benefits promised therein, with the inequitable and unscientific mode of division between the Funds, I have on previous occasions brought under the special notice of the Management, and a lengthy correspondence with the District Secretary has in consequence been carried on during the yettrs I 886, I 887, I 888, and I89o; this, it may he remembered, I reproduced in my last Valuatiou Report, 1893, which is printed in the Friendly Societies AnnualReport, 1895, pars. 10 to 16, pp. 9-12. A copy whereoflsendyouherewith for convenience of reference.
7· Referring to the Scale of Contributions in force, I wrote as follows, pp. 8, 9 :-" 6. When the Society was first presented for actuarial investigation as at the end of 1882,
the total contributions were-Entry age, I 6-35, Is. per member per week ; 3 5-3 8, Is. I td.; 3 8-+o, Is. 3d.; whereof one-half was appropriated to the Sick and Funeral :Fund, and one-half to the Medical and Management Fund, together with 2s. per member per quarter additional. The Report, exhibiting a considerable deficiency, was sent to the Society in May, I884, and as a result an improved scale of members' payments, also differently divided, was adopted in July, I 88 5, under which the second valuation of I 887 was effected, as well as that of 1893 just completed.
46
"~ ,. tables:-
The original ~cal0 an<l the ne'v scale of members' payments are shown in the subjoined
Age at Entry.
!6-35 35-38 38-+0
Axxuu. CoNTRIHUTIOJXS rx 1882.
Total. (rn. to Is. ;d. per week
-'- zs. per quar: er.)
..... d. 6o 0
66 6 72 0
Medkal n.~;~t~!t1 ugenu.:nt , Sit·k and Fur;cral Fund.
G + ts. pet· qmu·t,·r.) ; (}.)
s, rl. 34 0
3 7 3 40 6
.~. ''· z6 o 2 9 3 32 6
AKNUAL 00KTIUBUTIONS AT VALUATIONS OF 1887 ANn 1893 OF .\fE:\WERS WHO JOINED
Before 1st ,July, 1885.
Aledicn.l a,nd Siek and Funeral Total. .Manag-ement Fund. Fund.
3 -~--------------- ---------- ----· -----~----- ---+-------------- -- ·------
I6-1';
3 ;;-38 38-4o
!6-25 :1.5-27 1.7-30 J0-33
n--;h 36-38 38-40
s. d. 6o 8 67 2
73 8
'"' I
.-;. "· 24 26 29
From r,:!;,July, x885, to :z;th,Tnnunry, 1899·
··- rl. 6o 8 (I :1. weekly) 24 3:~ 6• ,) 0 (I 3 } z6 0
69 4 (1 4 l 1.7 8~ 73 s {I 5 ) 29 • 0 ,, )-:';
78 0 (I 6 ) 3 I 2~ 86 8 (I 8 ) 34 8 95 + (I 10 ) 38 ~~
;.;, d. 36 4t 40 3". 44 2.~
36 41 39 0
41 7~ 44 2~ 46 9'! 51. 0
57 2~
"8. The question, however, which more especially afl'ects the finaueial po.,ition of a society is, not what scnle of contribntious is in force as applicable to new members, hut what are the payments netually being made by the members who are taken into account. at tbe Valuation? The answe1· to this question in regard to this Society is given in the subjoined table, wherein it i;; stated the number ol' members at the end of 1893, c]Hssified aceortling to age in quinquennial groups, and to rate;; of payments mude respectively thereby :-Thi8 table being now superseded, I omit.
"9· These fignros ;;how that fom-nfths of the member~ are paying S~d. to the Sick and Fnneral Fnud ( } of 14Jl.) nearly three-fourths of whom had been paying 6d. a week thereto prior to .T ul y, IllS 5 ."
8. On the z7th ,Ja11nary, 1899, amemlcd General Hnlcs were regi~tered: iu Rule ~o. 2 3, tloaling with the eontriblltions of members, the word "New" in the first line was struck out and the Rnlc now reads thus:-
"That every member of the Court shall contribute to the funds thereof, acconling to his age at the timtJ of aumiRMion in this Di:;triet, not, less than the anfonnt fixed in the following scale, to be apportiouetl to the General l1lltl Incidental fnn(\s, us follows :-
Initiation .\gt·.
16 to 1.5 25 to 27 1.7 tfJ 30 30 to 3 3 33 to 36 36 to 38 3& to 40
\\'ERKLY CONTIUBUTJONS.
·rota!.
. ..,;. d. '1.
3 4 5 6 8
I 10
To Oenerai l''und whereof t to go <~uarte rly to
Di::.trict F'uneral 1!\md.
..: . d. 0 7 0 8 0 9 0 10 0 II
I
I
To Inddt~nta1
1-'UUll.
.'i. tl • 0 7 0 7 0 7 0 7 0 7 0 7 0 7"
9· Hy the excision of the last sentence of Rule No. 24, it was made additionally clear that the Scale of Amcnued I{ule No. 23 applied not only to members who should hereafter be initiated, but also to present members, who would in futnre be rec1uired to contribute accordiDg to the Table, as at thei1· age of
47
initiation iuto t!te Society. The payment,; made by the members dealt with in this valuation are shown in the sttl>joiued table:-
NDmtm ore Et:'\AXCIAI, Jfn!mmfl AT EACH HATE OF SICK AKD FuNiti~AL CoNTHIBUTION PER WEEK AT EACH ENTitY Au~-: AT QCIN(lUENNIAL Gnor;p;; o~' ATTAINED AGES.
-------------
A~e Attuitll.:d. 7<1. ~.1. 9d. lC(l, ud. qd. !$d.
Tot:<!.
E1:t1·y- \gc .. Hi-e; •. 2.~)·-:~7 . :JO-:J:J. 33-iiU. ;J6-B8. 38-40.
················--------- ····--
17-20 9 9 20-25 39 39 2)-JO J2 4 6 42 30-35 42 IS 8 2 72
35-40 45 2 3 l 7 6J 4C-4) 35 4 9 6 5 2 4 6s 4S-5° 22 3 9 4 4 3
2I IO 9 IO 8 5 '9 9 9 6 6 9 71 4 5 23 24 10 10 92
65-70 IJ 1.0 20 22 104 I6 40 7 ~
I
All Ages ... 271 43 97 79 72
-·------· - ----------- ----~------- -------------
I o. The manner in which the Genernl l{ules require the income and out go of di~trict members to be treated is peculiar. The concluding sentence of Rule No. 4-5 i~-" Any moneys received by the D.S. on behalf of 1listrict member~ ~hall be p;1id to the Di::itrict lud!leutnl Fnud, aud a11y expenditure, except funeral alhwauec, shall bo pnid from the same fnml." The prneticfll etTcct of this singular provi;;lon I lmve taken to he that the sieknc~s linhility, being nudertukeu by the Di~trict Ineidental :Fnnd, has to be exelu,letl from the Yahmtion nltogether; the District Fnneml Fund occupies, however, the auomalou,:; positiou that it i:< lwld liable for the ftwcra l expnutlil ure in respect to ~nch m em hers, but the income which it shonltl !lcri\·e therefrum is divertetl to the lncidenbtl Fund, nnd H$ed for other purpose . .; than those for which it is paitl. Immediate Ateps shoul<l be taken to remedy this absmdity.
I r. The adoptiug the An~cnded H n1es of I 8g8, I c-ertified, would "improve the fiunncinJ condition of the StH~iety.u A rof<~n·ucc to my letter~ of z 71 h ,June, I 890, and 4-th J an nary, I 888, will show that a certificnte of adcqnaey to provide the benefit~ would have been :o;ecured hy adopting tl1e following weekly sick and funeral contriLutio11.:>
I6-zo 20-25
2 ;--27 Zj-30
iustea,l of that thc·n proposed and recently regi:otered :-
;d. Sd. 9(1.
Jod,
Ar:E AT EN1'RY.
16-zs 2)-27
2/-30
12. I lwn·, ill <;mwln~inu, to expn;"~ mY mgrct that, l,y failure on the part of the District Representatives to aeeepl the advice I have, in the ],u~t inter<•st~ of the Society, on various occasions given to the Jilnuaging: Bo.ly, while nwmbers at n.g·n 30 :md npwn.nb nre now to pay snfficieut for the sick and fnneml hem•lils thcr rc~eeive, membm~ initiatt·d 1mdcr 30 rcl'eiYe benefit~ of greater ndue thau their coutril>utiml~ are Jilted to proYide. Of the 713 meml!crs iu the Hociety (see par. Io above), 4I r it will be uoticcd eutered under the nge of awl 302 o1·er 30 ; a~~nming the payments to begin at entry, the latter will take out of the fnml::; as as put into them, the former will also take out as much as they pnt in and more bt-<irlcs, which 11ill of Heeessity heloug to the latter, who will thus haYe n good ground of complaint ngaiut them.
Office of the Actuary for ErieJHlly Societie;;, Mclbonmu, 22nd August, 1899.
EV AN F. OWEK, A.I.A., F.;.;.S., Actuary under the F1·iendly Societies Act I 8go.
Extracts f1'0m the Report of the Actuary on the Total Court Sich Funds and District Funeral Fund.
Tot:ll of Court Sick Funds.-Thc deficiency shown I believe to be due to contributions not being sufficiently high to provide a<l nmccd age of members, and continuous excess of annual sicknes11 at such age.
District Funeral Fnml.-The deficiency showu I believe to be due to inauequacy of cunt.ribution~ to pwdde benefits, high mortality nnd deficient income from investment,;.
No.
2
3 4-5 6 7 8 9
Io
48
TABULAR SULI.IMARY of the Valuation of the Rendigo
Branch.
2
Queen of the Forest Pride of the Em·est Happy Valley Bendigo Banner of Hope King of the Forest Alexamlra Victoria Hearts of Oak Pride of Marong
Total Court Sick Funds District Funeral Fund
Where situated.
3
Bendigo Golden i:iquare Eaglehawk Bendigo Kangaroo J<'lat Long- Gully Bentligo California Gully Echuca Marong
District Memhers
.::J
~ :?5
~
1861 r86r r86r r86r r86z r862 r86z r863 r864 IS7I
The whole Society, Valuation, JISt December, r8g8 The whole Society, Valuation, 31st Decemhcr, 1893
Number of·-
s.
IOJ 79 31 so 36 H
I I 5 77 29 144 93 JO
]6 Z+ 28 ;6 34 22 98
Of /o Jo
+ro +55 +ss -18 -57 +17
+21
-63
+IS
0/ /o
+ 2 55 +667 +202
+ rq8 - :ls
5 sJ
.,. 'Yhcu a Cou1t po.sl':lesses fe\1'Cl' than 3c memberS1 or when it has
3i 3~ 3 4
District, A.O.F., as at the 31st December, 1898.
~ ll<
~ 00
1:1 " ~ > ----
15
£
4,14~
2,443 5,235 5,I40 1,283 3,046
938 4,082
623 1,126
Liabilities.
~ ~! ell~ ~.£
""' -;; ~~ ~ >o.
-----16 17
£ £
... . .. ... . .. ... . .. ... ... ... ...
... ...
o!
" ~ ""'"' o.c ~·;:: ,~
-" ~8
18
£
1,872 77I
2,321 2,471
784 I 2 6 ' 3
343 2,048
26! 9°5
.
I
'
Assets.
i .. 0
19
£
I 10JO 316 519
3,462 545
6 4 7 62
473 6I]
5II
!
·~ E-< -20
£
2,902 1,087 2,840 51933 1,329 I 0 .7 3
405 2,521
878 1,416
1-----l--------~:----·-- ------
1],885 2J,OOO
8,oo:>.
248
been lees than five years in existence, its experience is not abstracted.
4666,
21 1014
5,121
21
£
,..::
~...:.s.: +>.~ ~o~
"""
Ratio to LiabilitieS per£ of the-
N~ ! ~ i! -~ __ J8 I_~ I 24125!26127
s. i £ '·Is. d.
1
a. d. ;. s. d.
0 1- I2 I I 9 0 5 o1r4 0
6 -27 2: 6 4 2 7[ 8 H
IQ, 20 17 j 8 Ili 2 0.10 II•l; I + 5 IO i 9 7:I3 623 I
3 + I 6 12 3 8 6j20 9' 3 -I7l3 8 Ij Ill 2
16 ·- 24 5 7 8 8 17 -15 19 10 5
2 + 18 4 8 4 8 l 16
IO 9
5
11 j-=-;~ 9 14' - zo 12
No.
50
REPORT OF THE ACTUARY.
ABSTRACT of the Valuation and Report on the Condition of the Widow and Orphans' Fund Branch of the Bendigo United District, A.O.F. Friendly Society, as at the 31st December, I898.
--·-·----
Nu m be r of-
Nature of Benefits.
I Members. Wiv es.
Sums p~yable at death of- 1
:!>iarried members with children unde1· 14, 1_} at£1z .. .. .• ..
Married members "ithchildren under 14, , 10
M.!;rfe~ fo:-n~~~e~~ildwY:hdo~t14 childre,; I wld~'!:!,{4'Z::~!~!rs ~ithout" childre,;
34
under 14 .. .. • · .. Future expenses of management and
sundries, taken as £1; Ss. per annum . ,
-
10
H
-
-·
Children under 14,
---
u
--"
.. ----
/ Annual Contributions applicable to sulllll pay-able at Death, Manage-
ment Expenses, &c.
I Average TotaL per
, Member.
---£ 8. d.
" "
.. ..
.. ..
.. .. '
Value of Value ol-Contributions.
~----~~-
As derived Sums Probable As future Man-from the Adjusted. payable a.gement,&e., Table, at Death. Expenses.
--------- ----£ £ £ 1.,
.. f 58 " .. l 8 ..
.. .. •s• ..
.. .. .. . .
.. .. .. 395 ----------44 .. 18'4 8 • 174 .. p8 395 Total B9
I. Established in the year 1868. 2. Situated in 13endigo.
----------·--
3· Tabular Summary of the present Valuation as at the 31st December, 1 898.
Number of-V~luntion Date:
as at the-
. Members. Rate of Intereat .
Obtained on Total Funds duringpreceding Quinquennium.
f· The average age on the 31st December, r 898, of the married members with children 11nder If years of age was +9t years; of the married members without children under If, 6z;k year!'; of all the meml>ers taken together, 59;J: years.
5· The rate of mortality ta,ken as the basis of the Ya!tmtion Tables employed was that of the Carlisle Table.
6. The values of the prospective income aU<l out go 011 account of members more than thirteen weeks in arrears have been excluded from the valnation.
7· The benefits given in this fund are-Bounties to the widow on the death of a member, £12, with £3 for each registered child nncler I4- years of age; when a widower dies leaving one or more children under If years of age the bounty of £rz is paid to them in addition to the £3 payable to E'ach.
8. The contributions are as follow:-
Age. 25
25-28 28-30 J0-32 32-34 34-36 J6-38 38-ij.O
ENTRANCE FEES. B. d. 3 0
4 0
5 0 6 0
7 0
8 0
9 0 10 0
fO and upwards an additional shilling fol' each year of age.
The contributions per quarter to this fund of members admitted after 31st December, 187f, are as follow:-
Age. s. d. 25 I 4
25-28 6 28-30 7 Jo-32 8 32-34 I IO 34-36 2 0 36-38 :1. 2
38-40 2 4 40-42 2 6 42-44 2 9 44-+6 3 0
Members aged 46 years and over to pay an entrance fee of £1, and such quarterly contributions as the actuary may determine.
The fee for registration of a wife i:; 1 s., a!Hl for each child under 14 born previous to a member joining this fund, 6d.; and for each child subsequently born 2s. 6d.
9· The funds, receipt.s and expenditure during the quinquenninm, I 894-8, were as under:-
Funds, rst January, 1894 £54-o
Receipts, 1894-8-Contribntion" Inter('st, &c.
Expenditure, I 894-8-Bounties to widows and orphans Management
Other expenditme
Decrease, r 894-8
Funds, 31st December, 1898
£I16
157 2 73
£198
77 2
277
4
£536
Liabilities. ABsets. Ratio to Liabilll.ies per 1!. of the-
~ ., .. ~" =A r2~ 0~
""" "" Cii~ >fl<
£
JI8
0 .:,;
0 " " " ;..
£
395
"' 0 [,
£
,;. "' -;;i
'5. g 6 0
""
" ·~ "" "' ~
£ £ £ £
174 5'36 710
.; " 0 :;:
-" 0,.0
~ >;;'t: 3 "- "' ii -;<§ .. ;>o 0 <
£ s. £ s. s. d. 8. d. 8.
11 18 -o I 4 11 15 0 19
Jo. The proportions whil'h married and widowed members respectively bear to the who](' membei'~hip of 45 arc as follow:-
per cent. per cent, 2 2. 22}
97'78 75'56 'MembcrF<-Married, with children under q
, withont , " Widu11·ed, without , "
2'22 2'22
Total TOO lOO
per cell~.
liembers-MurriPd nnd widowed, without, ehildrcn under 14 i7'78 ,,
" with , 22'22
Total lOO
I 1. The sum expende,J llllring the five years 1894-8 for management and other expenditure, has been taken as the basis of the amount entered in the b!tlance-aheet as eqnivalent to the probable future expenditure for sneh purposes.
WIDOW AND ORPHANS' FUND, BENDIGO UNITED DTSTRICT, A.O.F.
Liabilities. Value of benefits assured to members Value of future nuwagement, &c., expenses
E 2
Assets. Capital as per Secretary's return Value of member's contributions
Deficiency
d. 11
The Humber of )Jen,.tbers a.ud Ghilureu and uulllbor of Registered Childt·en under 14 years of age in the Widow and District, A.O.F., ou the 31st December, 1898.
Chilclren to each Member having Orphans' Fund, Bendigo l!uited
:Xnml1er of Chil!lren of the Ag:o
----r-··--• Nnmber
-1 chSJren to each MemLer
I
Under zo .. 20-25
6. 7, 8, 9· re, 1 11. 12. !J, I Total. i with -I---:. Childr:_
"I .. I ••
25-30 J0-3) 3>-4o 40-45 45-50 ;e-H ss-6o 6o-65 .. 65 and over
Totn.l
Office of the Actuary for Friendly Soeietiea, Melbourne, 22nd AugnHt, 1899·
Z'J
3
:I.'S
EVAN F. OWE~, A.I.A., F.S.S., Actuary under the Friendl.IJ Societies Act I 890.
THE FOURTH VALUATION OF THE 0. St. A., S. C.
s LlH,
Letlti" j}·t;m th1· Aclwuy fu1· Friendly Sucietie> tu the f:rruul Stt.'l'tlrlt'y,
hi.~ Valuation.
Office of the Actuary for Friendly Societie.~, Melbourne, 2 ;th Angust, I 89y.
I hare the houom· to forw:ml herewith my Report on the financial condition of The Order of St. Amlrcw, Scottiah Constitution, Friendly Society, together with :.m abstract of the result.s of my Yo.lnation us at t\10 31st December, I 898, in acconla.nce with the proYisions of the F1·iendly Societ-ies /let I 890.
2. I regret that the improvement observable in 1893 compared with I887 hns not been maintained in r 898, and that there has been actual retrogression ariHing from the inadequacy of the contributions to su~tain the heaYy annual outgo for sickness and death claims.
R. :i\litchell, J;;~q., G.R., 0. St. A., S. C., 'y nlker-Htrcet, Ca;-;tlemaine.
I have, &e.,
EVAN F. OWEN, Actuary for Friendly Societies.
REPORT OF THE ACTUARY.
ABSTRACT of the Hesults of the Fourth Vaination of tho 0. St. A., H. C.
~ature of Benefits.
Sick allowanc<::< ycur-Duriu~ nt :t.c~.
per -week . . •• •• . . J,2iiJ })ming S<.:!Cf!Hil ;.:.'x mcnth.,' fi!lckne~!'l, ut
IO".,, 11er week • • . . H .. j,)O After RE::Cf\lHl six mouth.':!' stckuc:-s, at sg.
' fJf'l" 1YCf':i , , ~-13'49 23 6 z.r..n 6IO 6,719 41C7Z. I,615 -2457 Pcrmancnl allo-..vancos nftcr
,£6 vcr <Umum, tnken m: ~i<'k cluims . . • •
Sum . ., payable at death oflHcmUcr.o~, nt £:z.o \nyc·.:::, t<t £ro .. Histrid }fP~llh0rfl. at :£20 \Y ;\T!:', at .£ IO
1'vLtl
ye.ar oJ to futnrc
Sr·9S
1'50
J16'95
2,jo()
9 8yr 2}191
41-1 J3 10 0 q 8
--~-,---·-- -~- ----58 I
I 3.551 y,JOJ
1,664 t r,8to 1 1002 - 8:S J 51
9o4l4 5,882 l---;:;fu7 - )26 5
53
I. 1 have takeu Ratcliffe's Experience of the 1\fanuhester Unity Independent Order of Odd Follo"·~ in Euglaml, I 866-70, as the basis of the Valuation Tables employed.
2. The results obtained, in the first instance, from the Valuation Tables have boon modified w a~ to :tpproximate a,; closely as was consideretl expedieut to the qnantiticil which would have been brought ont had such tables been originally based on the quinquennial experience of the members of the Branch.
3· The value of the linbilities, on account of the probable ~ickncss aftm· 70 years of ago, has boon thus estimated :-The snm eqnivalent at the date of the valuation to an !lllowance of £6 per ammm for life when 70 years of age has been set down to the account of each member iu lien of the pay then claimable in case of l'icknesd.
4· The values of t:he prospective income and Olttgo, on ncconnt of members owing more than fomteen weeks' contributions, have been exdmled from the valuation.
5· The deficiency shown I believe to be due to the insufficiency of members' pltyments to meet the heavy out go for· siekness and denth claims.
6. The periodic cm1tribution~ of members anLl the moLle of Llivi,;ion between the scvernl fund,; at the 1882, t887, 1893 an;l 1898 valnatiou~ are shown in the subjoined tables:-
Age at Entry.
I6-36
I6-2I 2I-25 'l)-30 30-36
ANNUAl~ CONTRlBlTTlONS:
IN r88z AND ISS;.
Total.
s. d. (IS, Jd. weekly) 6~ o
1 Metlicn.i nnd Management }'und.
s. d. 35 4
IN 1893 AND I 898. 3fembers initiated prior to 6th Ap1•il, I 892.
(Is. 3ll. weekly) 61 o I z6 o
JJ.fembf'r8 in!:tinted c~fte;· 5th April I 892. (Is. weekly) 52 o 26 o (Is. Id. weekly) 56 4 26 o (IS. 3d. 'veekly) 65 o 26 o (I~.,d.weekly) 73 8 26 o
Skk and Funer:<.lli"nll(1.
s. d. 29 8
39 °
26 0
30 4 39 ° 47 8
7· The existing members at the 1898 valuation were distributed in re~pect to Sick and Funeral payments and quinquennial age-groups, as shown in the table following:-
VALUATION 189H-J'\U~IBI<:Il 01<' FINANCIAL .iVIE~lBERS AT EACII R.A:r.t::: OF SICK ANll FUNERAL
CowrnmuTION I'•::n wEJ<::K AT EACH ExTR¥ AT QciNQUENNlAJ, GnouPs OI•' ATTAIN:tm AGES:-
Attnint'd Ag-e~.
17-20 20-25
25-30 30-35 35-40 40-45 45-5° so-ss ss-6o 6o-65 6)--70
7°·-75 75-80 8o-85
6>1.
9
7 I3 II
II
9 15 19 30 31
2
I 1-------- ---·- ------1----·--·--1
All ngcs ... 9 8 I)I
Ild. Total.
12
7 2 9
13 12 II
9 15 19 JO JI
2
1
f!I
Office of the Actnarv for Friendlv Societies, .iVlclbonrnv, ; 5th Angnst, ·I 899.
EVAN F. OWEN, A.I.A., F.S.S., Actuary under Friendly Societies Act I 890.
ORDEH ST. ANDREW, SCOTTISH CONSTITUTION.
E,dracts from the RetJO?'t of the Actuary on the Sick Funds and Funeral Fund.
Sick Fund.~.-The deficieney shown I believe to be mainly due to increase (48 per cent.) of sick~ nes~; cxperienee ~incc I 887 among members 55 years old on the average, with consequent heavy continuous depletion of funds, which the in-payment~ are nuable to sustain.
Funeml .Pund.-Tho deficiency shown l believe to be due to the advanced age or members with their mortality cxperieneo nn<l in~nfficien<•,v uf tl1e payments to discharge the past an•l prospective claims.
54
TABULAR SUMMARY of the Valuation of the 0. St. A.,
Nnmherof~ I Average Age.
Experience during Quinquennium grea.ter (+)or less (-)than, or
equal to ( = ), th~t of the M. U., England, 1866-7o.•
Rdeot Interest.
No, Branch Where situated.
~ ~ ~ s ;;...
- ~ ---r :S li ~ ! 1 2 3 ;; 6
' Bendigo Bendigo 72 45 :r. Ballarat Ballarat
1866 1870 1870 1871 !87+
37 28
% 4~ 3 3 4 3
3 4 5
Geelong Gee long Caledonia Castlemaine Pride of Scotia Melbourne ...
Total Lodge Sick Funds Grand Lodge Funeral Fund
The whole Society {Valullt~on, 31st December, 1898 ' Valuahon, 31st December, 1893
29 17 16
uS !58
38 38
I
10
I
54il ' +i I 5°f + 9 +II 1+295 47it: so!t + 2 + 2 '+ 176 5t :
I I I '!) When a Lodge possesses fewer than 30 memberid, or when it bas been
Letter from G.S., 0. St. A., S. C., to Actuar,1j for Friendly Societies on Receipt of the Fou1·th Valuation, 2 8. 8.99·
"I beg to acknowledge receipt of Valuation of the Order of St. Amlrew, 8eottish Constitn6on, and regret it does not show better results. I should esteem it a favour if you could see yom way to recommend any course we could adopt to improve matters. The npportionmont of the Contributions we can scarcely alter, as the 6d. to ~fanagement Fund does not meet :Yledical and Management expenses at present, am\ the older members will not willingly pny more than the 9{1. to kiek and Funeral Fund."
Repl11 of the Actuary thereto, 3 L8.99· "I have the honour to acknowledge the receipt of your letter of the 28th in;;t., requesting me to
'recommend any course that could be adopted to improve matters,' an,\ to state that, to comply with your desire, I have given further consideration to the ad verse finaucial eomlition of the Society, and bave examined my previous dealings therewith.
"2. I have to remind yon that the po,;ition in which you How find yourseh·cs i;; to a great extent {\ue to your rejection of the adviee I gaye you fifteen year,; ago. In my First Valuation Heport on the Order, as at the end of 1882, I placed the adverse con(lition of' the fund~ dearly before the Management, and the efficient remedy to be adoptml, in these words :-
'The deficiency shown I believe to be due to the iuadequaey of the contribution,; to provide the benefits, the advanced age of the members when joining ' ( 6z having ont of 32 z been _initiated older than age, 45, the lawful maximnm limit), 'and the ~mall returns obtained from investments. In order to make good such deficiency, I recommend that the eontribntions of present and future members be made commensurate at the age of admis~ioll with t,he benefit~ received, that the deficiency then remaining be removed by an equitably apportioned levy, and that the funds be regularly, closely and advautageously invested.'
"3· The only eourse whicll can iu my opinion now he taken to save the Society from complete collapse is to reduce the Sick aml Funeral Benefits of present members by one-third, and to adopt, in respect to future entrants, a scale of contributions gradw1ted according to initiation a.ge in proportion to the liabilities they ~evcra.lly bring upon the fnndA at ~uch age.'' .
S. C., as at the 31st December, 189g,
z,sss r,6or I,ZJ4 i
675 654-
Liabilities.
--,--,-6,7!91 .
2,715
1,150 519 475 2.J.4-Z59
Assets.
1,615 1,002
20
£
1m5 78Z
644 485 376
~eas th~n five years in existence, its experience is nut abtltracted,
21
£
22
£
sso 819 59° 190 z78
2,4-57 So8
I! 9 - 8 7 2 -22
5 17 20 7 14 4- ! I I 4 7 6 - 17 8
9 9 14 7 I/ - 4 15
6 - 19 2
0 ,- I6 0
7 10 6 8
4 IO
7 5
15 6 9 9
10 6 14 5 li 6
12 8 14
2
3 4
56
THE FOURTH VALUATION OF THE G. AND W. DISTRicT A.O.F.
Letter from the Actuary for Friendly Societies to the District Secretary, forwa1'ding Results of ltis Valuation.
SIR,
Office of the Actuary for Friendly Societies, Melbourne, 2oth October, 1 899.
. I have the honour to forward herewith my Report on the finnncial condition of the Geelong and Western District of the Ancient Order of Foresters in Victoria Friendly Society, together with an abstract of the results of my valuation as at the 5 I st December, 1898, in accordance with the provisions of the Friendly Societies Act 1890.
2. Owing mainly to the management having failed to increase members' contributions so as to make them proportionate to the liabilities past aind future, there has been, I regret to say, a still further recession in the financial position of the society.
H . .Bannister, Esq., J.P., D.S., Geelong and W astern District A.O.F.,
Geelong.
I have, &c.,
EVAN F. OWEN, Actuary for Friendly Societies.
REPORT OF THE ACTUARY.
ABSTRACT of the Results of the Fourth Valuation of the Geelong and Western District A.O.F.
! Annual Contributions Value or Sk.k and applicable to Sick and Value of Contributions.
"'' !Nu~ber :Funeral Benefits. Funeral Benefits. !i- +~
"" ~a Natnre ol Benefits. :E lnmiellts. " !l "'" Average As derive<! As derived I ;:l "'"' As As 0..'6 Total. per from from ~ 'S. ,..,
Adjusted. the Table. I Adjusted. "' "' ""' Member. the Table. jl; 0 a:; A --·--~------. ~·~ 1-··---- --::--
£ £ $, d. £ £ £ ! £ £ £ £ SICK FUNDS:- i Slek allowances payable until the
70th year-During first six montl1s' sickness,
:'I ! at ZOl!. per week .. .. 7,174
During second six months' alck-ness, at tos. per week: .. 772
I After second six months' sickness) nt ss. per week 299 )67'89 24 7 5,7ZI .. I,Ol.J ;). ll,7)8 6,e17 J,S8J -2.434
Permanent allowances after the
I .I
I 7oth year of £6 per annnm; taken as equivalent to future
z.,S76 J sick claims .. .. I
FUNERAL ~UND :-Sums payable at death of-
} ! t !j Members, at £z.o .. .. .. 69'8J 4 8 1,o88 .. 2,90J J,J17 1,239 r,so6 - 713 Wives, at £to .. .. ~10 62! ·---1--:--
Total .. .. ;o9 437'72 19 J 6,8o9 .. 15,369 r;,o6s 8,156 s,o89 J,I67
1. I have taken Ratcliffe's Experience of the ·Manchester Unity Independent Order of Odd Fellows in England, 1866-;o, as the basis of the Valuation Tables employed.
2. The results obtained, in the first instance, from the Valuation Tables have been modified so as to approximate as closely as was considered expedient to the quantities wl1ich would have been brought out had snch tables been originally based OB the quinquennial experience of the members of the Courts . ..
3· The value of the liabilities, on account of the probable sickne~s after ;o ycnrs of age, has been thus estimated :-The sum C<Iuivalent' at the date of the valuation to nn allowance of £6 per annum for life when ;o years of age has been set down to the account of ench memlwr in lien of the pay then claimable in case of sickness.
4· The values of the prospective income 11.nd outgo, on account of member~; owi11g more t hnn fonrte.en weeks' contributions, have been excluded from the valuation.
67
5· The deficiency shown 1 believe to be due to the inadequacy of members' contributions to provide the Sick and Funeral benefits, no attempt, far as I know, having been made since I pointed out its couditiou in 1884 to re-atljust the benefits mHl contributions of the Hociety upon a sound and equitable basis.
6. The contributions of member" during the past twenty years have beeu, omitting the bCalc of initiation fee~, as shown in the subjoined table :-
ANNUAI, CoNTRIIWTIO::><S AT YALUATIONS m· 188z-87-93-98.
Entry Age. Si"k Fnn<L Fullc.l'al Fund. !IIedieal and Management FumL
8 d. 8, d. 8. d. 18-zs 56 0 Z2 0 4 0 30 0 25-30 62 6 26 6 6 0 30 0 3°-35 69 0 33 0 6 0 30 0
35-38 75 6 ,~ 6 g 0 30 0 0!
38-40 Sz 0 44 0 8 JO 0
7· The most important point in a tal de of contributions is the sufficiency of tl1e scale to meet the cost of the benefits promi~ed to the mmnber~ ; t be a hove scale is otherwise, 1 <le:; ire to say, constrnctell upon correct principles; the Funeral rates as "'ell AS the Sickness rates are made to increase "With the entry ages (the groups being, however, too wide), and the Medical allll Management rates are as they should be-uniform for all ages.
8. The members dealt lV ith were distributed, in reganl to their payments and attained ages, as shown in the following taJ1le :-
NuMBER OF .FrNANCIAJJ l\1E~mERS AT EACH RATE OJ!' SICK AND Fu::><ERAL CoNTRIBUTION PER WEEK
AT EACH ENTRY AGE AT QnNQUENNIA.L Gn.orr~ OI>' ATTAINED AGI<~s.
Age Attained. 6d. '~<~. I 9d.
----
Entry- IAgG .. ]8 .. 25. 25--30.
17-20 2
:<0-25 14 :1-)-JO 2Z Jl
JD-35 46 6 35-40 33 10 40--45 10 8 45-50 15 6 so-ss 2:1-S5-60 8 6o-65 10 65-70 8 2
70-75 7 75-80
All Ages ... 206
Office of the Actuary fo1· Friendly ~ocicties, i\Ielbournc, :zoth October, I 899.
30-35.
. --
5 3 6 z
3 10
IO[:d. ud.
----- Total.
35-38. :JS-40.
2
14 33 57 46 32 z,
2 27 14
2 !8 2 22
8
----,~-------~
6 2 99
EVAN F. OWEN, A.I.A., I<.S.S., Actuary untler the Ji'riendly Societies Act 1 890.
E:J;tracts the Report r~f tlte ActtWI'Y on tlte 'l'otnl Sick Funds antl District Fwwml Ji'und
mul Court Adwmce.
Total :-:iick .Fundl'l.-Tlte deficien~;y shown I believe to be due to the same cause as I have poinlcd ont oil the three previous qninqummial valnution5, the inadeqnacy of the contributions to provide the Lenefits.
District .Funeral Fund. The deficiency shown I Lelievc to 1Je dne in tbe insufticiency of the contribution:< to provide the bC!wfit8. •
Court Advanec.-The smplns 1-ihO\Yil r hclime fO be due to the favorahlc sickness experience and to i11c magnitude of the capital rclatin~ly to the memLership (which has however been rcdueed dming the qninq ueuuium ), and to the aggreg;1tte liabili tiel".
58
TABULAR SUM.MAR Y of the Valuation of the Geelong and W astern
Number of- Average Ag·e.
No. Court. Where situated,
l 2 3
8. d. Yrs. % 1 Barwon Hise Geelong 1861 75 51 25 0 47 Slit + 7 +93 4 3 2. Belmont German town 1863 67 43 23 7 35il 36 0 +95 3tl 3 3 Triumph ... South Geelong ... t863 29 2.0 23 35:¥ 39! zi 3 4 Advance West Gcelong !865 39t ++il 3! 3 5 Duke of Edinburgh ... Portarlington 1867 J8 43! + 2i 3 6 Prince of Wales Drysdale 187o 34! 39 Ii 3
Total Court Sick l<'unds 39i 43 District .Funeral Fund ... "
The whole Society, valuation 31st De-cember, 189& 39!1 43 +165 3~
The whole Society, Valuation 31st De-39¥ I+II 4~ eember, 1893 347 t84 28 II 39 - 22 +131
• When a Court possesses fewer than JO members, or when it has
59
District Ancient Order of .Foresters a~ at the 31st December, 18g8.
Liabilities. Assets. llatio to Liahilitles per .£ of the-
h "' I . ,Q
8 I :No.
" .; ... "' )') ~-.:....: .£ § § m :;; t H
±s~ :;:; " '(; ~" .; "" -" O.Q
~ §
~ "'""' 0.0
" g:S " .a~~ g"S ". s e ·a ~E
-c "' "" ;:;~ t -c ~
d 0 ~ " ~ "' <'o
?-Q 00 c.; "11....-t ~ P..Q ·-·~-~--· -----
]6 16 11 18 ~~ 21 2t 2~
£ £ £ £ £ £ £ £ 8. £ s. G. s. .•. J,I 82 L21J ssg z,o72 9 14· !6 ? 2,376 1,4o8 548 1,956 4 - 6 6 11 2 I ,12.1 567 406 973 0 '- 5 2 IO z;o67 1,047 I,05i
' 2,104 37 l-7- 0 10
I,Ji6 667 352 I,org i-Io 9 1,616 819 361 1,r8o
-----11,738 5,721 15 10
! ...
3,32.7 1,o88 IS 7 --,-II,7J8 I J,J27 •s,o6 5 6,809 J,I67 17 0 10 12 9 I
I 6 9 15 Io 11898
12,040 3.4·07 15,447 i 7>596 2,946 14 6 4 !6 2 1893
been less t.han fil•e ~·ears in existence, its experienoe is not abstracted.
60
THE FOURTH VALUATI0;\1 OF THE P.A.F.S.
Lette1· from tlte Actuary foy J?1·iendly Societies to tlte Grand Secretm·y, forwarding Rest~lts of ltis Valuation.
Sm, Office of the Actuary for Friendly Societies,
Melhom;1e, 6th X ovember, 1899·
I have the honour to forward herewith my Heport on the condition of the Protestant Alliance Friemlly Society of Australasia in Victoria, together with au Abstmct of the results of my Valu!>tiou a~ at 31st December, 1898, in acconlance with the provisions of the Friendly Societies Act 189o.
z. I regret that, owing· mainly to the decrease in the effective contributions and material increase in the annual average rate of sickness during the quinquenninm, there has in 1898 been a rctroO'ression in the financial po:-:ition compared with that of 1893. · "'
I have, &c.,
• J. J. Crowptou, Esq., G.S .. P.A.F.S., Protestant Hall, :iVIelboumo.
REPORT OF THE ACTUARY.
EVAN F. OWEN,
Actuary for Friendly Societies .
ABSTRACT of the Results of the Fourth Valuation of the Protestant Alliance Friendly Society.
~ttturc of ncn0tits.
SiCK FC'!\'Dfl: Hick ullo"'Vt'tUl'.:CS p:tya hle 1mtll the
7oth yenr..;.. · During first nix months' sickness, i \,
at 2os. per \•mck • • • • , I I>uringsccond six mont11s' sickness, '.j
at I os:. per \Ycc.k • . . . ' After second six monihb' sickness, •
at ss. per weel\: • • . . 1 t_ Permanent allowou1ccs after the 70th 1
•
year of £6 per anuum ; taken as I equivalent to 1otnre Bick claims .•
FUNEI!AL FUND:-Sums tm:.rable at death of- J
,Alembcr~ 1 nt £2o • . ) 'Vives, at £10 "\\'itlolrr, at £to
~·otnl .•
Vnlue of Contributious.
As Adjusted.
£
ZJ 8 19,44/
Vaine of Sick and Funeral Benefits.
As derived from
tlw rl,able.
£
I ~J,l44 I· l •,•75 I
} 36,531 •·9'4
7,863 )
i t7,0841 !0,769 - 6,Jf5
1. I have taken Ratcliffe'ii Experienrc of tho Manchester Unity Independent Onler of Odd Fellows in England, 1866-70, as the basis of the Valuation Tables employe•l.
z. The results oLtnineJ, in the first instnnce, from the Valuation Tables have been modified so as to avproxlmate ns closely as was consi(lored expedient to the quantities which would have been brought out ha<l tiuch tahlcs been originally based Oll the quinqnennial experience of the m'"mbers of t.lw LodgeP.
3, The valne of the liahilitiefO, on account of the prolmhle siekne~s after 70 years of age, ha~ been thu,; e;;tinuded :-The sum equivalent at the date of the vnlnatiou to an allowance of £6 per annum for life when 70 years of age has heen set down to the account of each member in lien of the pay then claimable in case of siclmess.
4'. The valnes of the prospective income und ontgo, on account of memlwrs owing more than four!cen weeks' contributions, have been excluded frorn the valuation.
5. The dcfic•iency shown 1 believe to be due to material decrease of contrihutious, HIHl increa~e of annual sidmess, per member, with reduction in yearly ineQme per cent. from capital inve'lled, in 1898 compared wi1h 1893·
61
6. The rates of eoutril>ution llayable by the members at the several valuations, aml their mode of divi,.;ion between the two distinct funds, were as shown in the subjoiuea table:-
ANNCAL CONTRIBUTIONS, 1882, r887, 1893, 1898.
Entry Age.
17-44
16-40
16-19 19-23 23-26 26-29 29-31 31-33 33-36 36-38 38-40
16-40
2.9-31
Sick ::wd Funeral Fnnd,
:\Iedical and l\Ianagement Fund.
VALUATION, 1882.
8, d. s. d. 28 0 24 0
VALUATION, I 887.
Adn~isrionsprior to 3·5·87.
30 + 21 8
Adm2:ssions after 2.5.87. 26 0 26 0 30 4 26 0 34 8 26 0 39 0 26 0
43 4 26 0
47 8 26 0 52 0 26 0 s6 4 z6 0 6o 8 26 0
VALUATION, 1893·
34 8 26 0
VALUATION, 1898.
26 0 30 4 30 4 30 4 H 8 30 4 39 0 30 4 43 4 30 4 47 8 30 4 52 0 30 4 s6 4 30 4
Total.
8, d. 52 0
52 0
52 0
s6 4 6o 8 6s 0
6g 4 73 8 78 0 82 4-86 8
6s 0
s6 4 6o 8 6s 0
69 4 73 8 78 0 82 4 86 s
-- --~-----------+--~4--~--··"'
7· The number of members in the society at the entl of I 898, distributed in quinqnennial age-groups according to age attained, were as under :-
NuMBER OF FINANCIAL 1\fEl\fBEH<i AT EACH HATE OF .SICK AND FUNERAL CONTRIBUTION PER 'WEEK
AND PER YEAR AT EACH ENTRY-AnE AT QUINQUENNIAL GROUPS OF ATTAINED AGES.
Age [z6s. 30>', +d. 34s. Sd. Attained.
6d. Jd. Sd.
Entry-Age .. 16-23 23-26 26-29
17-20 24 ... ... 2o~25 78 IS 5 25 30 67 35 +6 30~Js 68 29 88 35~40 40 28 112
40-45 10 10 8+ 45-50 62 so-ss 53 ss-6o 38 6o-65 34 6s-;o 40
8
}.ll Agrs 123
Offiep of t.he Act.mH'V for FriPndh· Sor·icl Mclhonrn(· 6tl; Non·ml1l'l', '1
398. gd.
29-31
'"
i I i 43S. +d. i 47S. Sd.
xod. ud. ;,
ps.
nd, 56s. 4d.]:
I
IJc1. Tohl.
33-36 36-38 '1
1
38-40 ' --- -·--- ----,---
1
I '
EYAT\ F. OWEN, A.I.A., I•'.S.~., Acluar:· nudet· tlw Prir~!ldlp Suci;ticg .Act 189o.
62
TABULAR ~UMMARY of the Valuation of the Protestant Alliance
Experience during
Average Quinquennium greater
Rate of Numherof- 0 ( +) or less (-)than, or :;3 Age. equD.I to(=), that of the Interest.
"' M.U., England, 1866-7o.* .0 ]
" No. Lodge. Where situated. .,; 8 "'
(~ i ::0 .; " .Scffi ~ ~ ~
~
"' ~ ; § g: -~ 8 "8:.5 ,;.; "' ~ "' " "" .~ " "" !rlO' m w. "" s s 11 12 13 14
s. d. Yrs. % % % % I Perseverance Melbourne ... 1868 32 6 25 5 i 38i 41~ [+.~:2 +470 5! 3t 2 Cosmopolitan l'ort :\lelbourne 1871 18 12 23 3 I 43t 37~ 0 3 4 Corio Geelong 1871 142 106 22 g 33! r.l - II I+ 6 78 4 3~ 14
+ IJ6 5 Ballarat Briti'h Ballarat 187I 53 41 2) 8 55~ ss ~+ 43 36 s! 4 i Clunes ! Clnnes I 871 5 2 26 0 6o 66i I ... If 3
10 Prahran Prahran 1871 63 50 24 37 43! 41 ·+ 44 , .. 291 z!f: 3 12 lluninyong- lluninyong I87I 6 4 2) II c,,~ 66{/ I ... 2 3 14 Day \Psford llny lesf'ord ... 1872 2 25 JJ S9l 6zi 0 3 tS Emerald Hill South ~!elhourne 1872 117 83 23 7 34~, 36! 32 14 +246 J! 3 20 Hope :Vfaryborougb 1872 12 I2 25 8 +7l 55 3 3 27 Duke of Bichmond Richmond ... J873 66 53 2' 5 35li Hl 57 + I6 +Z4I 3t 3 J
30 GippRlnnd Sale !873 6 6 25 II 48;!- 52{ 2t 3 33 Warrnam boo! British ... \Varrnn1nhool I874 20 16 24 2 ~~~~ 43:t 4~ 3 38 Governor W a! ker Collingwood t881 82 62 23 9 32! - 71 ·-I 6s -,-145 2± 3 40 Cheltenham Cheltenham 188o 88 6; 22 9 33f 35~- - 44 !- JO + I46 4! 3 43 Footscray Footscray 1882 70 46 23 0 29! 33 42 2I +272 2 3 44 Coburg Colmrg I88z 25 If 23 3 34~1 ~6 : 31 3 46 Excelsior Windsor I88J 21 '4 23 8 27 ~4il I:lr 3 47 Carlton Carlton 1883 IS II i 22 11 35 [ 3 48 Star of Hotham Korth ::V[elbonnte 1884 I 5 8 2.! 5 3811 zk 3 so Royal Chart~r Brunswick !88 5 '5 l1 24 0 40 3 r:'f 0 3 52 Korthcotfl Northcot~e 18go 22 17 24 8 2<)!, 33i' I If 3 53 Ark of Arnrat Ararat 18go 20 24- 7 26~! 34-§i 1.3 3 4
55 Brighton Brigl1ton I89I 7 24 I I 28~ pi 0 3 s6 Hnmsay Williamstown I89I l1 24 10 I 3I ~a! zl; 3 ss Star of Elemington Newmarket Is 95 22 I 1 3 59 Ferguson Clift.on Hill 1898 ! 27 0 3
Total Lodge Siek Funds 6
Grand Council Fnneml Fund
The whole Society, Valuation, 31st December, I8g8
The whole Society, Valuation, JISt December, I893 1,242 ) s6s i 34 6 +264 4:!!
~ ~·-----~-~-·-~
" When a Lodge possesses fewer than ~o m£>mbel'a, or 'vhen it has
63
Friendly Society as at the 31st December, 1898.
Llab!l!ttes. Asset•. Ratlo to Lle.bllil!es per£ otthe-
..: ., No. ~ ,c
s "' ~ ... ., " " iil :E~ ~ ~
'C) ~.E~ "" •. " " "' " s ~:E E ~ e 'El " ';) 'ii
~ :;§~
" > >u~ "' "' >:)
----~----:
___ , ___ 15 17 IS 22 23 24
£ .£ £ £ £ £ £ £ £ £ £ d. "· d. 1,256 611 211 822 434 6 9 9 4 13
677 354 61 415 262 3 5 I 10 I:!. :z. 4.795 2,623 2 :457 s,oSo 285 17 0 11 10 21 2 4 2,406 63 I 574 1,205 I,2CI 10 13 5 3 4 9.: IO 0 5 230 55 112 I67 63 22 !2 4 9 9 9 ' 14 6 7 2,745 I,I98 684 x.882 86J IC I4 8 9 5 0 13 9 IC
6o I08 !68 10 5 IS 10 4 5 !I 12 4 12 25 43 68 28 2I 10 5 2 9 0 14 2 14
4,23! 2,427 976 3,403 828 8 7 2 Il 6 I 4 7 16 IS 537 !83 118 JOI 236 9 I7 I3 6 10 4 5 I I 3 20
2,593 1,287 753 2,040 553 II 8 8 ' 9 I I IC 15 9 27 ICC 474 202 62 7 13 7 4 27 6 34 IO 30 379 963 151 29 4 II 9 4 14 5 ! 23 9 33 I,83o 1,029 4 11 I! 5 2 2 13 7 ,• J8
1,790 624 2! 2 11 9 I2 4 24 4C 1,5C4 2,049 JI9 7 I1 12 9 4 7 I7 4 43
5I4 )99 325 3 c 11 2 I !O 0 44 448 124 572 I76 5 8 12 0 3 4 4 46 373 113 486 169 6 - 9 8 Il 5 3 5 IO 47 315 IJ7 452 120 9 8 0 11 0 4 JC IO 48 J46 se 396 I22 3 8 3 lJ 4 I li 3 5°5 72 577 206 3 7 12 I I 9 s6s 203 ;68 I32 8 5 6 I2 4
243 74 8 2 426 68 457 j60
I l I6 7
6 23 IO
6 IO 18 I 1898
50,211 4,I71 54,382 J6,Jg8 82 50,424 3.958 5 2 IS 7 I893 -·---·-·-
been less than lh·e years in existence, its experience is not absiractect.
64
THE FOGHTH VALUATION OF THE BALLARAT DISTRICT A.O.F.
Lette1• frum the Actuct'I'Y fu;· Frien,dty Sucieties tu the District SAc;·etm·y, t"''""""u Results of ltis Val1attion,
SIR,
Offieo of the Actuary for Friendly Societies. lYielboume, zznd November, 1899.
I have the honour to forward herewith my Heport on the finaneial condition of the Ballarat District of the Ancient Order of Foresters Friendly Society, together with an Abstract of the Result of my V nluation, as at the 3 Ist December, I 898, in accordance with the provisions of the Friendly Societies Act 1890·
2. Compared with the very adverse financial condition of the society at the valuation of I 893, there is seen to be an improvement in the relative assets, due in the main to effect having, prior to I 898, been given to the amendment of the Rules relating to members' payments to the Sick Fund registered in I 891.
S. Walker, Esq., D.S., A.O.F., New Public Buildings, Ballarat.
I have, &c., EV AN F. OWEN,
Actuary for Friendly Societies.
REPORT OF THE ACTUAHY.
ABSTRACT of the Results of the Fourth Valuation of the Ballarat District .A.O.F.
Nature ol Benel\to.
SICK FUNDS :-Sick &llownncos JH\yable until the
70th year-During tlrst six months' sickness,
nt :.,s, per week • . • . During second six months' ~:lick ..
ness, at IOB. per week .. J)uring third six months' Eickness,
ICS. per week . . • . thh'd six months' sickness,
nt ;s, per week . . • • Permanent allowances after the
70th year ol £6 Ss, per annum, taken as cqulvn.leut to future sick : claims ••
FUNERAL FUND:-Sums pnyaule at deuth of
Members. at £10 Wives, n.t £to,.
Total
Total.
I
. I :I 'I
t86 , r
I )
e. d.
H 9
Value ol Contributions.
As t.lerive.d from
the Table.
3,851
As Adjusted.
Value of Sick and Fuueral Be11eflts.
Ao Adjusted.
£
3,786 il 499
J10 , l
J 8,)31
HI
J,3l9 ;)
4,681
. :
1. I have taken Hatcliffe's Exporience of the :Manchester Unity Independent Order of Odd Fello:wa in Englanu, I 866-70, as the basis of the Valuation Tt~bles employed.
2. The results obtained, iu the first instance, from the V<1luatiou Tables have been modified ao toa to approximate as clo~ely a8 was considered expedient to the quantities which would have been brought ont had sneh tables been originally based on the quinquennial expcricnco of the members of the Courts.
3· The value of the liabilities, on account of the probable sicknes~ after 70 years of age, has been thus estimated :-The sum equivalent, at the date of the valuation to an allowance of £6 Ss. per annum for life when 70 years of age hns heen set dowu to the account of each member i11 lieu of the pay then claim~tble in case of sicknes~.
+· The values of the prospective income a[](l outgu, on account of members owing more than fourteen week"' contributions, have been exclndc•l from the valuation.
5· The deficiency showu I uelieve to be tlue to the insufficiency of the coutl'ibution.s to proviLle the sick aml funeral benefit;; t!uriug the whole conrsc of the past operationil of the :-:iociety:
6. Iu my eomments on the fimweial condition of tlw Hoeicty, a~ ut the end of 1893, these statement:• occur (the r895 Friendly Societies' Heport, pp. 3, 4):-" z. It i~ greatly to he regretted that, in consequence of no attempt having bccn made to re-adjnst the bondits aml con1ribution:~ npon a sound and equitable basis, as reeommemlcd at ilw two preeediug valuation,-', the prescut stf\te of the Society is practically incmcdiable, ant! that therefore there Hhon1tl be immmliatc ces,;!ltion in the admii'sion of further members, whether lJ)' initiation or elcaraucc." '' 5· The tleficieney t-hown I lJelien! to be tine in sick funds taken in
•the nggregate to tl!e iucre:tse in nge since the preceding Yaltwtion, arising from the withdrawal of younger member~, whose places were uot supplied l>y initiation, accompanied by iucrease in amount of siclmes:; experience{!, rleereasc in the interest realizml, eou~hlerahle depletion ul' eapital, anti to five out of the court; appropriating two-fifth>' of the contriuntion;; to the Sick and Funeral
65
Fund, instead of three-fifths, as provided in law No. "6. \Vith regard to the District Funeral Fund, I have to repent the opinion I expressed on the •weasion of 1887 niluatinn-'Thc ;]eficieney shown
I helic\'e to he due to the entire inadeq11ncy of the contribution of 4"· per member per ypar to provide the benefits. In order to make good the deficiency I recommend that t,he contributions an•l benefits be re-adjusted upon 11 sound an<l equitable lm~i~. ' 'It is to be r<>~retted that no attempt appears to h<tve been made to improve the eorulilion of the fund brought under t.he notice of the management in my 1890 report, and that, eomcquently, tl1e financial position of I893 is worse than that of I 887.'"
"7· This Society appear~ to bo steadily approachiug a state of financial collapse, the result of general mismanagement, the inefficient control of the Central Body, and open disregard of the Rules affecting the division ol' the contributions on the prtrt of a majority of the Courts. The finnneial condition of the Society is so deplornhlc that it is not justified in paying to the existing members more than one-half the Sick anti Funeral benefits promised them umler the Rules."
7· In eonnexion with the I 898 Ya!nation the District Secretary forwarded in .July, I 899, a printed copy of Amended Law No. I9I, containing the senle of Sick and Funeral Contributions payable by new and old members respectively, which had been registered in August, I 891, but not given effect to until after the I 893 Valuation and prior to that of I 898.
8. The respective paymE'nts made by the members dealt with in the valuation, as stated by the individual Secretaries, are shown in the subjoined table
NuMBEit oF FINANCIAL ME~IBERS AT EACH RATE OF SICK AND FuNERAI, CoNTRIBU'HON PFU MoNTH
AND AT ATTAINED AGES.
Age Attained.
[Entry Age o! Law 191.
17-20 20-25 25-30 3o-35 35-40 4o-45 45-5°
17-80
2
6 24 15 12
'5 22
25
43 14
186
9· Ont of 83 member~ paying zs. IO!I. per month, as shown in the above table, nml paying 3s., I find that 54· were contribnting rated adequate to meet. the liabili~y they brought upon society at entry (clearances being mwessarily excluded), according to the scale of Law 191 given therein, and that the rates of 70 (38 per cent. of the total membership) were quite inadequate to provide the past and prospective honefits. Compared, however, with the average contribution of I 893, there is seen to have been an increase from 31s. 8d. yearly per member to 38s. 9d. per member, the result being that the assets have made a small advance from IOS. 5d. tG ~IS. 9d. in every £of the liabilities.
10. The District Secretary points out that there has also been a "reduction of the sick allowance as provided in Rule 2 52 done by resolution." In accordance with this statement, it appears on examination that Court Tnaggra has reduced the allowance from 20s. a week to I ss.; Cou.rt Avoca from the periodic pa.yments-zos., IOs., and ss.--to IOs., ss., and IS. 6d. respectively; and Court Stawell to IS. 6d. a week at all periods.
11. The relation of the Sickness to the Funeral benefits in the Society is such that the latter is one-fourth of both benefits taken together. I therefore recommend that, in lien of I~. a quarter per member, a fourth of the total Sick and Funeral contributions received by each Court should in future be forwarded quarter by quarter to the District Funeral Fund.
Office of the Actuary for Friendly Societiee, Melbourne, 22nd November, 1899.
EV AN F. OWEN, A.I.A., F.S.S., Actuary under the Friendly Societies Act 189o.
Extracts from the Report of tl1e Actum·y on the Total Gourt Sick Funds and District Funeral lflund. Total of Court Sick Funds. ,-The deficiency shown I believe to be due to the inadeq uaey of the
contributions to provide the benefit:> lo existing members of a!ivanced age, who have for some time experienced high sickness, and meagre returns from investment,:.
District Fnneral Fund.-The deficiency shown I helicYe to be dne to the total imulequaey of the· contributions to provide the benefits, the insignificance of the capital relatiyely to the membership and liability, with consequent absence of investment returns.
4666, l!'
66
No Court.
1 Little John 2 Talbot 3 Stawell 4 Liberty 5 Star of the 'I.Y est 6 Hope of Denmark 7 AYOC!L ...
8 Tuaggra
Total Court Sick .Fun,Js D istriet Funeral Jiu,tll
I
Where Situated.
3
BnJlarnt Tal hot St!Lwell Creswick Happy Valley lluninyong Avoca Maryborough
-o ~ § d .~
" 0
'"" !::::
1861 1862 1862 !862
i 1863 1863 r864 1864
The whole ~ociety, Valuation 31sL Dcc(·mher, 1898 1898
The wl.ole ~eciet;·, Valuation JISt Drcembcr, 1893 1893
TABULAR SUMMARY of the Valuation of the
" cS .:: ..... ci
]~ "'" ill?. <>
14
% 21 IS 57 3l 14 12 II 57! 0
29 2.0 5 54! 2 2 11 6I;j:
23 54t 12 so
lit "\Yhen a Court possesEe..-s fewer than 30 members, or \\'hen it has been
(j/
Ballarat District A.O.F. fiS at the 3 I st December, I 898.
J~iahilities. Assets.
~ ----- ~
~ ~ ~ ~ ~ ~ 00 ..::::: ..-::
.z §~ ~ -: _-:~,_;
~ I ~~ Total. ~~ ~ Total. i iH h
~ " c " e. ·o:: "' ~ "' Ul A
Ratio to Liabilities per£ of the-
--,--i--·---~~-
..5 I :s " 0
0
0 " ~ '3 "' § ~:.;;:
~ 2 "' "' " ~ 0 - ~ ,_ ~~· ·---·-- -· ~~ - 8 - 3 ~~i
~ 1; ~ I ~ ~ 2: -;a 8. ,-:-:T 8.25 d. -s.26 d. - 8~7 d. ~--996 3s3 257 640 356 I2 s :-I6 I9 I 7 s s 2 I2 IO
21 22
£ £
713 2321 336 s6s I+S 24 o - Io 7 6 6 9 IS II I,J42 545 I47 692 6so 5 -22 8 8 2 2 2 Io 4
8 2 26 2 i 2 8 54 I 0 - 2 7 0 6 4 0 6 6 I 0 1,529 543 I 849 1.392 I37 26 II 1- 4- 6 7 II IS 2
73I 299 • 93 392 339 5 I6 - 2I 4 8 2 2 7 IO 9 2,6oo ! I,57I I 7I I,642 958 4
1 IS I9 I2 I o 7 I2 8
2
3 4 5 6 7 8
539 2)2, 4941 746 207 4I 3 +I7 5 9 4 I8 4 27 8
-----'----- -----·------ ---- ----- ---- ____ I - ----- -----------
1 " [207 1
2,639] ~-- I --
8,532 ... ... 3,8)I 2,249 6,Ioo I ... I 2,432 1
I2 1 ~-q 2 9 o 5 3 I4 3 ...
,:::~ :::::-~-:;:=:; :::::1-:::: -:::::1~--:-:.-· -: ::::: :: ;11 ~::~:~-: :-! ~- ::-;- :::: -- _I_
less than five years in existence, its experience is not abstracted.
APPENDIX B.
C()NTRI11UTIC)NS AND J3ENEFITS.
APPENDIX B.
ENTRANCE FEES and ANNUAL CoNTRIBUTIONS l1y ;iiember.-; to tl,e seYeml Fumb, alHl the BEN~:Fns given Jrom the Hult·s of the Societies as lit 31,;t Octolot•r, 1899·
in the
Soeiety.
1. M. F.I.O.O.F.
No. of Rule I .. Jnveuile LoU!.(cs
8-IC 10-12
12-13 IJ-14 14-16
No. of Rule --~-
2. G.U.O.O.F. I 16---30 I Jo-JS 35-38 l 38--40
No. of Rule I I
d. 5 0
7 6
10 6
56
8. d. I 0
I 3 I 6 2 0 z 6
... 5
IO
IS
93
I I
I
Sick and Funeral Contributions (O the benefits (A.) ; Not (N.); Quite
Present Contribution,; of Old Members (thoHI lu Socie!y of above scale) (0.11.).
Entrance Fee.s (f:1:.F.) and An11ttal Conirioutiont:o~ (.A. C.).
Entrance Fee.
To the-
Pnnel'al, Sick Fund. ' Fund.
·'·::"·1
..
.. I 6 2 0
2 6
I .. .. .. .. .. ..
·- I ..
I
I
r.
R. d. 5 0
7 6
JO 6
64
s. d. l ()
1 3
s. 5
10
15
94
Total.
I R. d
I 6s o
I ! 71 8 78 86 8
I I 9-~ I
Annual Oontl'ilJution.
To the--
s ..:;. d.
;o 34 m H~ 0
t6o o.:\1., r6-4o,
01
-~---
s. d.
!(Q r 0, 17 8 ''. !} ' 4Z 0) N. so 8
.. 48
GO 94. 43
6[
,..;~
l
00
·'· ! 32 I 'r., undcl' 4C. , .. l~ )2
94 68. 71
Sick Par per "\Veek during-
20
81
s. d. 11 4
~n
No ~i<:k pay ,.r!Ycn.
8, s. 20 15
95 95 I
N.
10
31
95
15
..
Fu11emJ
.\!ember.
Hi
.c
I 71
Societies of Victoria, eom piled
(C-l.).
Renefits.
17
I 71 104, 92 99, 71
s. d 8. d. s. d. 8. d. I I .. I ] ~o sicl;: pay given £
JuvEnile Lod~<os I 6-r-o .. 0 .. .. 2 0 4 4 l 4} I .. 1 .. Jo-U, .. 6 .. .. :!. 6 6 6 5 6 u.-13 l 0 .. " l 0 8 8 7 8 A. IJ-T4 4 0 .. 4 0 10 IO 9 10 14-16 5 0 5 l<) 6 IS 6
No. ofltule .. . • 128 . . . • 128 12R 128 • • 128 128 ----- ---- -- ---
$, d. ""· a. s. d~ I s. d. s. d. ·'· tl. "· £ 3. I.O.O.F. . . 16-2o 2 6 •• 2 6 l W., E. F. - zo •• ~o
w-25 5 o •• .. 5 o I 1 "· rr. 25---28 7 6 7 6 ~~- 16-25 o 6 2.8-1.9 JO 0 ]() 0 , 1.5-30 I 0
29 30 12 6 .. z 6 10 o I J:>-34 • 6 I I I D., £ro 30 1• 15 o .. 5 o •o o i ~ 6s 1• 6 31-36 z o Jl-J2 17 6 .. 7 6 10 0 \I 32-33 zo o 10 o 10 o I znrl \Y., E.P., B-34 22 6 .. 11 6 10 0 I 428. 34-35 25 o .. '' o 10 o I 35-36 17 6 17 6 10 o J D., A.C., Ss. 36-37 JO o .. 20 o 1 o I 69 4 32 6 37-38 l" o •• 20 o 10 o 73 8 32 6 38-39 30 0 .. 20 0 10 0 82 4 JO 6 39-40 30 o I :z.o o 10 o 91 o 32 6
I I I No. of Hule I .. Ill .. 111 111 111 115 111, 125 116 1HJ 16 .. 123 I 123 I 121;, 128,120 lW, 54
·~·. d R. d. .\', d. .~·. d. ·'!. d. S. d. £. I6-2.51\{ 121 1j 3 3"'( 11 4~·(· .. Jas. ss. .. 10 I Jlenll;cr. S.P ... o "'l z;-3o :u. 9 3 3 1:; o first I 5 seeond JO-Jl ~ 2 6 .. 2 6 z6 o 4 4_) A. 15 z ) A. 6 6 weeks. ,; F. n. .. 6 "'"'" B-36 I 27 7~ 4 4 16 9~ with medi-36--40 ' I -30 •o0 5 5 18 11~ m! levies.
~~~ I I levies. No. of Hule 8 .. .. 29 2:l 23 23 23 34 34 35 2 ;;+, :;;;
--~~-- ---- ---
8~ d. s. d. d. ,., .. d. ,;,•. ?!. s. ! £ 4, U.A.O.D. . . 16-zo :1. 6 .. .. 2 6 J 8 6 { zo 10 5 I'_ • 5 zo I W., .£10 I!
zo-2.5 5 o . . .. s o 5 ° 1 0 Dunng 25-30 7 6 . • 7 6 6z 4 JO 4 :\ 40- pleasure, znd w., .ew 6 J0-35 10 o • . 10 o 71 o 39 o { - · zs. 6d. if initi-J5-40 15 o •• •5 o J
8 52 0 I •o>. i ated sub- D., £1o 12 ( :z.o o . • ) 4 ° / I sequent
40_
45) with ho.ck con- O.l\1.- "· 2n<~ W.- to end of 6 l iributwns , !~-35 •. l 11 _ F~.~-, •os. td. t from 40. , ,,-4D .. 4 r l A.C., 11s.
I •76°/0 thereof to F.F.
No_ of Rnle I .. 91 .. .. 100 97 45, !);- lOO ~--,li5,-52,- 47 119 1191119 119 47 47 7S, 94 118,47
8 d. 8. R. d. ,,.,., d. d. R. s. d. j .£ Months. Femo.le Lodges I 16-25 IJ I \ H 8 17 4} _ 17 4 5 z 6 ! .. 10 . • ~!ember·, and chil<lreu S 1'. 12
25-30 i \ 2 6 6 ! • 39 o 21 8 \ 17 4 second 1 for 52 ~- under 1 S. 3o-;s I' l ~"' · · :z. · /43 4 26 o ~ · 17 4 15 weeks, ~ . 1 6 JS- 40 ) 47 B 30 4 17 4 weeks there· ,
0 . • after I F.B. 12 z.o le during
to I Llon.Qll't'P. Also honorary m em bet ~ , ) on }Xlyme-nt of fe1
No.o!Rulel.. 31 I .. ! 34 :n 34 34 _ I 36 36 I 36 I .. tl8 I .. I Sched.1L,;J3 37,:JS
" ~·ormed for the purpose Qf Maistiug hr(tnches una.ble to meet sick cln.ims. t On atta.iniug age 65, memhers received l[I.IM'terly from S11per. Bene.dt Fuv.d their contrib\Itions for that pe·riod.
:
Sooic~y.
U.A.O.D.-eontd Juvenile Lodgc·s
No. of (Juv.) Rule
-----6. Ballarat Dis-
trict, A.O.F.
No. of Rule
6. Bendill:o Dis·
No. of Rule
I
2
r6
I
16--•o I
.. I
APPENDIX B.-Entrance Fees and Annual Contributions by Members to the several &c.-continued.
Entrance Fees (E. F.) and Annual Contributions (A. C.).
3
'· a. "' 6
4
8, d.
1.1 0
27 6
H 0
4S 0
70 0
188
Entrance Fee.
4
..
·"'· d.
2 6
I "' 6
I
t. 6 : 32
t. 6 I 42
~ 6 I 67 6
219 ------ --·
s. d. s. d. .'?. d. 2 6 "' 6
s 0 2 6 ' 2 6
7 6 I 1. 6 5
21 I 27 IJ!st. 1 26
6
s. d. 2 6
13
..
..
..
il
I
Total.
7
8. d.
13
s. d. 6o 8
65 0
6g 4 73 8 78 0 86 ~
95 4
23
if
Annual Contribution.
8
s. 8
13
'l'o the-
Sick Fund.
9
227 -~~
"· d. JO 4 ~ 34 8! 39 ol.N. 41 4 i
47 81 56 4 6; o}
to
I 27 Dist., 23 I
'
s. d. 8 8
13
s. d.
JO 4
JO 4 JO 4 JO 4 JO 4 JO 4 JO 4
23
Mentber's ':Vile (W.), Sick Pay per Week during-
Wife over 40, Second '\\1fe
(2nd W.), ··- -~~~
Widow (D.), I I : 1
or Child (C.). 1
To the . Third Fomth Funeral Fund. j Second i Six 1 Six ----- ~...,!__ -....- __ ._1.-._~- :Monlhs
g
192 252
'· W.,E.F.- 20 $. d.
18-25 .. 2 6 2)-JO .. 5 0
JO- 3S .. 7 6 H-40 .. u 6
md W.-E.F., 1os. in addi-tion to above
A.C., 6s.
D.-A.O., 12.s.
127 Dist., 33 Dist. : 32
252
8. 10
32
and n-lkr.
14 15
'· s. 10 5
252 252
·'· 5 ..
32
M cm be:·.
16
.1t
244
£ 20
I 33 Dist.
Benefits.
:
Wife (\V SP('Otld
(""1 ' Wiclow Child
17
\V., £Jo
at
1.nd \Y., _.!.: tC'
244, ]f)·.;~
---
w., .c 1nd \V., £1:J
n., £10
33 Dist. i
)[edif>o.l Attendance :tJHl 1Iedieine
to-·
J~
:\I em her.
140, 14S
61, 33 Dist., 25
]()
mar enter Mli1lt Lodg-e \vithout pn,yment of eutrnncc fee
0, 11
M.onths. S.l' ... 12
~ " . . 6
• H .. 6
~.F ... 'z
F. B. !2
! 32, 33 Dist.
--l ~
... a'> c_ .... , c;
0
Female Court
No. of Uule
i.
lJ:
No. of Rule
,.,,
20
s. 5
!0
JO 40 6;
89
8. d. 15 0
2.0 21 0 21 2%. 0
2%. 23 0
21 24 0
24 '1.5 0 ~5 •6 0
26 •7 27 2.8 0
28 29 0 :2.9 30 0 JO )I 0
ji 32 0 32 ll 0
ll 14 0 34 H o 35 J6 0
36 17 0 17 J8 0
J8 l9 39 40 0
( 60 0
-~0_45 J wit~ hac;k con 1 tributwns ~. from 40.
( 20-2.1 \ 2.1---12. :2.2-2.4 24-26 •6-28 28-3o JO-J2 J2-J4 34--lS 35-36 j(J--37 37-38 38-39 19-40
77, 79
d.
5 0
7 6
IO C
46
s. d.
2 6 l 0
4 0 5 0
63
B. d~ 2 6 2 6
6 6
2 6 2 6 2 6
6 6 6 6
2 6 2 6 2 6 2 6 2 6 2 6 2 6 2 6
:32
6 6
8. d.
2 6 7 0
16 0
40 0
89
~ ~ J2 6 J8 6 19 6 w 6 21 6 u 6 2J 6 4 6 lj 6 z6 6 ~ 6 d 6 29 6 30 6 li 6 32 6 B 6 u 6
6 6 6
..
19
8.
5 5
20 20 20
b!)
.< d.
5 0
0
s. d. l9 0
4J 4 ~ 8 p 0 4 fu 8
21
~ ~ 0 0 ~ 6 0 0 ~ 6 b 0
97, 120
8. d.
59 7
63 II
68 l
8. d. s6 4
ss 6 6o 62 IO
6s o 67 2 69 4 71 6 7t 8 75 10 78 0 So 2 82 4 84 6
49
s.
'· 21 '1.6 JO 34 39 41
lD
s.
~t i) N.
! 22 26 ll 37
1 44
63
8.
s. d. zO o
28 2
.f 6 8
-
8.
s. d. 17 4 17 4 17 4 17 4 17 4 17 4
19
s. JO JO JO JO JO
120
8. d.
lJ 7
37 Il
42 l
4 4 4
JO 4 ;o 4 ~ 4 ~ 4 JO 4 ~ 4 ~ 4 ~ 4 ~ 4
77
W., over 40-E.F., 428.
znd W.-E.F., 42S.
98
I2S.
47, 48, 25
.'?.
10
21
s. 20
101
s. 20
125
8,
20
79
101
s. 10
s.
10
79
101
$.
5
s.
79
£ 10
21
£ zo
114
£ 20
3~
,C
20
25
w., £10
2nd W., £1o
114, 08
W., £re
:2.ud \V., £-xo
"\V., ,1.;..lo
Z.llrl W., £;o
D.,<: o
25
Also on
11, 22
1\Jembcr, wife, and children.
74
wife, and ehi1-under 18.
73, 50
21
Months. S.P ... 12
k " .. 6
•• 12. 6
10()
Months. S.P .•• 1:2.
!- JJ ... 6
•• 12 •• 6
125, 38
.. 12 6
,. 12. .. 6
79, 25
-:t ~
APn;Nmx B.-Entrance Fees and Annual Contributions paid by Members to the several Funds, &c.-continued. --- ·- ------
Entrance Fees (E. F.) and Annual Contributions (A.O.). Eenefits.
Entrance Fee. '· Annual Oontrilmtion. Sick Pay pel' Week during- Funeral Benefit Payal•le at Death of-
1\tedical Attendance
Tot~:-- --1 I_ To the- Ul VHllU \"--'•)• aud ~iedicine Fun Sick "l'o the
I I Thilu I Fourth Wife (W.), to- P:>y (S.P.), Funeral Funtl. First 'Second Six Six Second Wife Total. Total. ---- -- -- __ _. ___
Six I Six Month' Months 1\femher. (~nd W.), Full Funeral Widow (D.), J:encfits Child (C.). (F.B.),
i---
I
'__::Iter-3 4
I 6
! 7 9 Jl 13
I
14 "15 15 .. s. s. 8. d. I
•. d. .. •• d. s. 8. £ ~5 l 9 11 6 ;6 c
~~' 10
it 10 5 .. 10 W,t £TO I ~lemncr, wne, ana ctul~ I t;.l' ••• u
JO l ,. 0 15 0 I (,~ 6 I 10
I I dren under r8. ~ u • • 6
15 l 14 6 17 6 I 6y 0 [•o ond W., £ro so J " 0 '5 0 75 6 '6 I Also widow and chil- F.U. a 70 l ;z 0 l5 0 I 81 0 . "
~ i ,. dren, and houora\'_\ & .. • • 6 IY• .. f
with baek COJl· O.M.~
tributions J8-40 .• from 40· 79, 79A, 81 35 1:!0 1~G 80, bO,,, 35 1~~. 126 ·. 120, 82 80,43 128 I 128 I 12S I .. I 41
---
·'· d. g_ d. s. d. I s. d. s. •• d. .. lw.,EF.-
.. ·'· l I. £ 11. l'ortland
I 16~1..1 7 6 1 6
~ r,l ~0 IO 5 .. 10
I ,V., £ro I Member, wife, and chil-l S. P ..• u -.::t District, :Z,[--25 J1 0 • 6 ;6 0 4\ 1Z
ol . $ dren under r8. ~ , . • 6 f!l-. A.O.}'_ I 15-17 'l 6 • 6 ll 0 J .. JO I 16-;o .. 1. tnd W., £ro
'1.7-30 •o 0 2 6 ,, 6 I l~lS •. 5 ( I Also widow and chil- }'.B. •• u. ;o -JI 3! 0 1 6
18 611 41
H-45 .. 1 6 4 • D.,£10 dren on payment of ~ •• • • 6 31-JI l' 0 • li 19 6 ol J1-- 3l B 0 2. 6 JO 6 ;- .. 69 0 35 ;o JJ-34 34 0 1 6 3! 34-35 l5 0 • 6 l1 J5-l6 ;6 0 • 6 H ~~I I
41 I
61 wd W.-
;6 -37 37 0 • 6 34 .. 75 6
14' 30 }~.F., lOS.
17-!8 j8 0 • 6 15 I 4) 6) AC., x.s.
38-!9 '9 " • 6 ;6 6 t 19-40 40 " 1 6 l7 .. 6l .. 88 6 I 54 jO D., A.O., 6s.
40-45 {
6:1 0 .. w1th back eon- ,O.M.- s.
tributions r6-1o ·- 4 11 n from 40 jo-;5 •• 4 18 4 JS ~j N. 4 48
No. of Rule i .. 76, 78 33 I 124 I .. I 77,79 I 33 124 I 124 I 33, 77, 40, 40A 12'1 127 127 38 I
3S, 40, 40A I 117, 141
I 127, 38 I ..
---- --· --- --- ---~ ----
B- s. d. s. d. 8. d. s. d. .. 8. d. 8. 8. 8. 8. £ J I Months. 5 • 6 .. 1 6 } ;6 0 4~ 11
:( W., E. F., 1s. 6d. w.,£10 Member, wife, and <~hil- S.P ... u
IO • 6 1 6 5 0 4( jo 10 Io 5 .. 10
•s 1 6 s 0 7 6 61 6 18 JO 1nd W., £ro I dren under 18. I ~ , . . 6
zo :!. 6 7 6 10 0 69 0 4(Q. IJ5 :~N. jO Widowed mother of t'.ll. .. u D.,£10 married member . A .• ,. • 6
(!011-1 .. .. i "I 81 0 4) 48 30
IJ O.M.- s. zmJW.-
I KF., ros 6d.
! 18--;o •. 4 11 nQ. A.O., us. 3o-35 4 18
I 15-40 ·. 4 15 D., A.O., Y1S.
l.'o, of f4ul• 1 42 19 70 10 4() 19 I 70 70 43, 44, 23 71 I 71 I 7l I 23 I 23,41
s. d. s. d. I : -~. d. s. d. ·'· s. d. •. d. .<;. R. I ~ ~-I I ,>;
1<\male Courts 16-1) 2\ 6 I 0 l I l 39 0
nA. 19 8} 17 4 .. 10 5 '
I .. I MemJJer. I IZ
2\5-JO i 0 1 I 6 2\ 6 { 43 4 Z4 0 '7 4 " .. 6
l<>-35 f s 47 8 28 4 A. 17 4 AlHo children, husband, JS-40 7 6 1 2 9 l 9 )2 0 J2 8 17 4 or narentl:l over 4~. hon- F.B ... 12
No. of ltule .. 42 19 70 70 45 19 70 70 .. 71 71 71 .. 23 67, 46 71, 23
8. d. s. d. s. d.
I
R. d. 8. s. 8. £ ~Ionths. 13. (lourt Unity, I tS~:z.t
l r 6o s
'" '} 30 4 20 IO 10 5 20 W., £to ohil- S.P. a A.O.F. 2I-:Z.3 7 6 .. 7 6 ( 62 ro J2 6 JO 4 ~· " .. 6
23-25 65 0 J4 8 JO 4 2nd W., £to ZS-Z7
l l 67 2\ j6 10 30 4 ~\1so widow and chil- 12
27-29 69 4 39 o A. JO 4 dren. and honorary .. 6 29-JO 10 0 IO 0 7' 6 41 2 30 4 J<>-32 ..
73 s 43 4 JO 4 J2-JJ 75 10 45 6 30 4 33-35 So • 49 10 30 4
No. of Rule I .. lOO 128 101 I 101 101 102 141 I 141 I 141 141 135 135, 102 56, 64, 95 140, 135 -· -· I
-.:t 0<
'· s. d. s. d. ' t;. rl. 8. d. I 8. f:. s. 8. £ Months. 15. Court Amrat ! 18-21 I 15 0 6 9 0 65 " il r2 7!1 l3 20 10 5 .. 20 \V., oi;IO Member, wife, 11
7 10 6 6; 2 2J r~ I 35 children under 6 8 n 0 6g 4 24 j6 2nd W., ,C1o
10 '5 0 7' 6 it 8 6 .N. I~? ~f Q-1 l7 F.B. u 12 18 .. 78 0 4£ D., £10 . .. 6 14 21 0 86 8 16 24 0 l 99 g
0.11. ~. d. rS 28 .. 8 6
.8 6
.8 6
(Amended Rule) .. (2) (1) (4)
I (3) (4) (4) (4) m, 24 Dist. I 74 74 I 74 I .. IH 79, 24 Diot. I 70 I 7 4, 24 lJist.
-- -- - --· ----
8. d. s. d. s. d.
1! s. d. s. .. d. s. d. 8. 8. $!.
17. Court Am· I 21 0 2 6 18 6 6o 8 41 "' 3l{ J6 41 \\' ., o\·er 40, 20 IO ID ' 20 W., XlO RP. " 27 6 2 6 2) 0 ' 6 42lS. '] " 27 6 2 6 Z5 0 I! ::z.ndW,,£to
35 0 2 6 J2 6 65 0 :) q. 22
:~I 39 0 zml \V., E. 1". 1 A lea widow F. B. 12
45 0 2 6 42 6 ; l 6<) 41 n D., f .. n .. A;ro Philc lrcn on .. .. (,
4S 4 23
4oand over ll from 40 .
I .No. of !tu le I 40 ~7 44 4~ 27 Dist. 44 44 42, 30 1)\st. iih 57 57 63 !l3, 30 Dist. 29 I 57, 30 Dist. ,,
APPENDIX B.-Entrance :Fees and Annual Contr·ibutions pait! by Members to the several :Funds, &c.-continued.
Entrance ~·ees (E. F.) and Annual Contributions (A. C.). Benefits.
'I ~~~ . ~ Entrance Fee. , Annual Contribution. ..\\.11e (W.), Sick Pay per Week during·- I Funeral ~entbfi~l::yoblc at Menll!ers
ea are entitled to-
- ---- 1·•uu TT.), I Soclct<· T 't' Widow (D.), ' j' "··" . , .... _ , ----
' • n,l la· or Child (C.). ! r,~~ To the- To t!Je- To the : I Fourth Wife (W.), ~ · Funeral Fund. I ~·irst Second Six Srcond Wtfe
Total. i Tot<>!. Six I. Six Months Member. ' \::nd W.), •• <' • • J ~fcdical and Entrance Fee, 1\Ionths.l Months.'.· and. \\ tdow (~J.),
Stck 1 unera.l SICk ·l\tanagement Annual , ' rlfteL Ch1ld (C.). ~·und. Fund. Fund. l'un
1 2 3 4 5 f, 7 8 ' 9 10 11 12 13 14 I 15 I 16 I 17 I 18 19
s, d. s. d. d. •· d. J s. d. s. s. s. s. I £ bfonths.
18. l.O.lt .. 16 28 4 3 4 2.l O\ 4 \V.,:tnd \V.tn.nd 20 zo J() 5 1IJ 2.0 \V., £15 Jlembcr, wife, aml S.P. 11. 17 1 •9 4 1 8 " 8 4 D., A. C. · ehil<lren under a 18 1 2.9 8 3 8 :tz. 0 4 Age s. d. 'After seven :z.nd \V., £rs fixedage,asarrar1ged F.B. 12 19 30 8 4 o) :tt. 8 4 16-18 .• :2. 8 : years'me~n~ with n1t'dical officer. 20 3' 4 4 o 1 ·~ 4 4 18-u .. 1 o 'I 'bership,,£2f>. P.enefit not for-21 31 4 4 4 ·~ 14 o 4 21- 13 .. 3 4 kited on death 22 33 4 4 4 25 o 4 23-16 .. 3 8 , of hu•band. 21 34 4 4 8 15 8 4 16-28 .. 4 o 14 35 4 4 8 16 8 4 28-30 •• 4 4 D., £r; I Also widow and -1 zs 36 4 5 o 27 4 4 3o-32 .. 4 8 children ami honorary Cl';) z6 17 8 5 4 ' 28 4 4 31-JJ .. 5 o member and faruill•, 1.7 18 8 S 4 29 4l 4 33-35 •• 5 4 on payment of fees.' 18 40 o S 8 30 4 4 , 35-36 .. 5 8 29 41 0 5 8 11 4 4 36-37 •• 6 0 30 • 6 •• • • 1 6 42 4 6 o A 32 4 , A. 4 37-39 .. 6 4 31 44 0 6 4 33 8 4 39-40 .. 6 8 32 45 8 6 8 35 0 4 40-41 .. 7 0 33 47 0 7 0 36 0 4 41-42 .. 7 4 34 48 8 7 4 37 4 4 42-41 .. 7 8 35 so 4 7 8 38 8 4 41-44 .. 8 0
36 s• 4 8 o 4° 4 4 44-45 .. 8 4 37 54 o 8 4 4' 8 4 •eparately 38 56 o 8 8 43 4 4 assured, 39 ss 0 9 0 45 0 ' 4 40 6o 4 9 4 47 0 i 4 4 1 M. 4 9 8 48 si· 4 42 l4- 8 10 0 50 8 4 43 67 8 10 8 53 0) 4
44--45 70 0 Il 0 55 0 4
half benefits, half rates.
I levies necessary.
s • • 4 Q.: z8 Q.
1s. thereof to Relief Con tin· gent Fund.•
No. of Rule I .. I 40 I .. I 40 41, 42, 78 41, 22: 41, 26 42, 78 41, 52 I 43 I 43 I 43 I 43 25 25 I 78, 52, 53 43, 25
~lA. O.S.T. ..
No. of Rule I
No. of Rule I
22. H.A.C.B.S.
No. of Rule
Ladles' Branch
No. of Rule
·~·rt I,
16-·20 ~0-jo
J0-35 35-~40
16-z; :tS-33 33-4°
I J
I
i} I I
s. d.
• 6
104
s. d.
I 3
10i
'· 10 I)
By-law]
..
..
..
I
I
..
..
s. <1. 2 6
0 6
75
I
I
s. d.
lt 6
120
'· d.
l l
120
•. !l.
" 6
75
0 6
s 0
9
I
..
..
..
..
s. <l, s6 o 6o 4 64 8 6g 0
By.Jaws 4, 5
f JO 0 l4 4 38 8
5
;6 d~ \ 30 4 l4 8 l9 43 4 A. 47 8 sz 0 56 ~ 6o 8 65 o I
A thereof to E'. F. For half l>eneftt•, half
rates. O.M. Contributions vary
in the three G.Da.
133, 43
. .. d.
J ,, 4
}A 21 s z6 0
JO 4
t l4 8 39 0
43 4 fr thereof to F.F.
I For half benefits, h<>lf rates.
0. M. not admitted into Vintoria G.D. prior to 1894, contributions vary in Bo.Uarat & So.ndhurst,
and Melbourne G. Ds. 137, 43
8. 3. (l.
~ JN. 10 o) !4 4 ~ (' 28 8 ( ,. l3 o)
41 70
13 eJ I7 4 A. 21 8
120
Ji"'~ixcd by db;ision.
120
s. JO JO JO JO
76
I7 I7 17
9
s. I s. I s. I s. \V.,2.nd\V.,and 20 10 IO 5
D., A.C. Age S. d. I O.M. initL .. ted pre,·ions to IS<).h
!6-18 2 18-z1 3 zr-1.3 3 1J--26 .. 3 8 Iln.!lt. 26-28 4 0 & 28-30 •• 4 4 Samlt. J0-32 4 8 G.D. 32-33 5 0 20
33-35 5 4 . 35·-·36 5 8 Mclh. 1;6-37 6 0
37--39 6 4 39-40 .. ' 8 40-4I .. 7 o I 20 41-42 •• 7 42-43 •• 7 43-44 .• g 0
44-45 •. 8 4 separately
assured. 128
..
..
2nd W.--~E.F.~ 2JS,
By-law 3
1132,
8. 10
I I 8. d. I 7 6
I I
138
IO () ..
i 12 0 9 4
132, 132, 136
G. D.
"· R. fl. s 6 3 G 2
I I 138 138 ..
" Established to ait! Tents unable t,o meet legitimate demands.
I £ zo
i '
123
I £ 1()
I
123 I
,£ 20
85
'"
11
w.,£15
znd W., £15
of O.JII. pay· old rates,
12:l, 131
..
\\...-., £10
znd Vl., £to
85
I I
I
I i
~~~IJ:~. 18~nd 'I ~.P. .. a
149, 140
wlclm\ect molttt~r
149
Member, chii<Jren unmarried under z.t.
of
:.'\le1uber•s parents, if living with and dependent on him.
Also widow and chil· dren, orpho.n children of deceased memller and honorary member and fa.inn;r, on payment of fees.
69, 82, By-law 9
MenJber.
69, 8
F.B. .. u
13(), 123
l•'.l:l ... 12
136, 123
6
u
15
S.P ••• IS
F.B .•• IS
10, 11
-l -I
Society.
23. 0. St. A. 5 0
6
10 0
a 6
15 0
16-18 t 18 -:u > 6 11-Z$ J zs-•6
\ z6-19 5 c. 19-30 30-Jl
} 33-36 7 6 )6-39
39-40
10 ~0
25. G.t.O.F.G. I 16~-20 2 6 1.o-10 5 0
J0-36 10 0
36-JB 40 0
38-40 6o 0
No. of Rule I .. 146
APPENDIX B.-Entrance Fees and Annual Contributions paid by Member? to the several Funds, &c.-continued.
Entrance Fees (E. F.) and Annual Contributions (A. C.).
Entrance Fee.
To the-
Total.
7 s. d.
5 0 52 0
I ..
} s6 4 7 6
! 6o s .. .. JO 0 65
! 6q • .. .. 12 6
.. '5 0
{ 34 8 .. z 6 34 8
! l9 0
.. 5 0 39
I 43 4
6 47 8 .. .. 7 l 47 8
29 a2, st
8. s. .~·. d 51 0
so 4 I 4 0 I 65 0 .. I 8 12 73 s
50 50 52
8. .. d.
I .. I
.. • 6 .. .. . .. 5 0 .. .. .. IQ 0 .. .. 20 10 a .. .. JO JO 0 ..
.. 146 146 ..
'
!
I I I
I
Annual Contribution.
Funeral Fund.
s. a. 5
l 6
8
9 10
z
lL l
4 4
5 01 5 4 6 0
3'2
.. d. 5 nN. 6 9
"
'l'o the-
s. rl.
:; :1 26 8
30 o -.A.
H 41
·~ ~l lj 0 ::r 20 4 IQ 8
32
B. d. 20 8 2J 8 t N JO ~j . j6
O.lll. 8. I 16-45 .• IG 19 0 Q.
26 I 52
IJ
s. s • d.
6N. 24 4 (l.
24 163
8. 26
26
26
26
:6
u 22
22
22
21
21 .. 32, 3l
s. 1& 16 16 16
52
by I
I
I I
I 98 I
11
W.,KF.-
·'· d. C"nder 2.5 .. 1 o 25--)0 •. I 6 JO- l5 .. 2 6 ))-40 2nd \\".,
ojU$.
..
Gd. Lodge
wd W.-E.F. 40S.
28
101 I
Sick Pay per Week during---
H 13 s.
10
:l4
8 10
74
8. 20
107
s. 10
s. 5
during pleasure
old rate•
s. d.
.. u
I 34 I 34 I .. -------~--
•• 8. I 10 5 ••
I
74 74 ..
·'· s. d. IJ 7 6 . .
I 107 1. 107 L . . I
16 £
20
10
38 G. L.
.c 20
27
£ 10
99
Benefits.
Wife (\Y.), Seeond Witc
(znd W.), Widow (D.), Child (C.).
17
w.,£•o
2nd W., £ro
W. of O.l\I. pay. ing oJd rates, £7 res.
..
SS G. L.
W.,£10
1nd W., £10
27, 28
w.,£1o
znd W., £1o
99, 104
18
Member, wife, and ehildren under 18.
Widowed mother of unmarried men1ber.
on
Member.
4, 4218 -----!\tember, wife, n.nd chil-dren under z8.
Widowed mother of unmarri~d member.
Also widow and chil-dren and honorary member and family, on payment of fees.
41, 701 42
19 Months.
S.P .... 11
~ l) •• 6
F.B .•• 12
I S.P .•• 12
~ " 6
' f F.l3. ..
31. 31i U.L.
Months. S.P. •. l2.
" .. 6
F.B. .. 12
.. .. 6
74,27
Widowed mother of It , .. 6 unmarried n1en1ber.
Also widow and chil- F.B ••• 12
95, 145 i 100,99
-.:t 00
s. ..
I{ 8. s.
1 s. s. t'i • R. . .£
.~,0} 54 26 18 .. 10 TO du!irw I
.. ~0
11
w.,£1o M: ember, wife, andchil-~ S.l' .•. 11
~0-~ 6o )2 28 dren under 18 . 24-28
' 5 63 35 28 p!easu~e~ l " 6
~8--31 .. 66 38 l A. 28
Widowed mother of
31-36 72 4~ 28 unmarried member F.B .•. 1:2.
36-40 78 >o 18
No, of Rulol .. 43 I 49 I 43 4\J, 39 Dist. 49 .. 55 55 5fl 45 Dist.. 45 Dist.
-!---- ---- --
8. s. d. 1 s. rl. .. rl. "· I .<. d. s. d. s. ,£
27. Geelong 118--21 5 0 7! I Io§ 2 6 and Western TO l 3 3 9 5 0 I
~Iomhs.
District St 20 ~ 6 7 6 To 0 6 6N. 19 6 (~ 26 20 W., £1o S.P.
P. S. 35 4 4:1- lJ if, 17 6 with extra so 6 l r8 9 •s 0 medical fee& F.B. .. 11
( 50 from
40-451 with baek "on- I
married trihutions Ynco-ro,'hrn>"
from 40.
I vii Yii I I -·--··---~-
I xxii, xxiv \'i \•ii \i:'ltll X'\:11 YXli xxiv xxiv xxv 1 xxvi:, xxvH
--~---- --l <:.0
s. d. I} .£
I s. d. s. d. s. d. ! llfonths.
56 16
!L. 2nd W. 20 5 ~0 W.,£To S.P ••• 11
2 6 4 li.:.l1'., Z.lS. ~ 6 "
.. 5 0 6o 8 JO D., A. C., 4"·
1nd W.t .£10
7 6 65 0 34 F. B. 12
IO 0 69 4 "' JO 4 D., £xo
15 0 71 8 20 0 78 0
40 0 f 82 4 l 16 8
143 213 143, 213 1<13, 213 162, 198 150 lfil 151 .. 159 _:· 162. 198 _ ~1 __ 131, 132, 1911, 18i
I
150! 159
s. d. s. d. s. d. I s. d. s. 8. ,\;, £. 30. A. N. A. . , I r6-2o , I 5~ 0 z6 o, 26 W., E. F., 2s.6d. ~0 TO 5 20 w.,£ro Member, his 6
20-24 2 6 2 6 so 4 JO
} 26 under 16,
24-25 \ l 6o 26 2nd W., E.F., tnd '\V., £to under 18. F.B .•• 6
25-28 } 8 34 40S.
28-- JO 5 0 .. .. 5 0
} D., ,-£IO
JO-J2 ! 6s 0 39 26 D.,A.C., 8s.
J2-J4 15 0 15 0 6g 4 43 16 34-lS } 8 I 26 35-37 ) 73 47
20 0 .. 20 0 >7-40 J 78 0 .. with levies if
neeessal',Y. zz-~ prr cent.
No.ofRule I I F. F.
I I I I
1 I I .. .. 55 4 I 4, G, 23 13 I 13 13 I .. 23 2:5,6 10, 7, 28 I 13,23
---··-- -~-~
Society
33. G. S. R. S.
No. of Rule
86. C. U. P. S.
No. of Rule I .. 38. I. N. F. .. 16-18
18-23 2J-28 28-JO jo-J2 32.-35 lS--J6 36-38 38-40
No. of Rule I .. I
:z.os., 2.s. a ye-ar extra contribution for every year over Jo.
7 --8, .. ..
} 10
i 20
130 I
APPENDIX B.-Entrance Fees and Annual Contributions
Entrr.nce Fees (E. F.) and Annual Contributions (A. C.).
Entrance Fee.
To the ..
.. .. .. s. .. .. .. .. .. .. ..
.. .. 10
.. .. ].0
.. .. I 137
I
} l
I
Total.
7 s. d. 6o 8 6s o 09 4 73 8 8" 4
104 0
21
8
s. d. ;' 0
;6 4 6o g
6s 0
6g 4
73 8 78 0
134
Annual Contribution.
To the-
Funeral Fund.
8 i 9
i•· d.
l: :} l9 o A l~l 4 • 52 0 7l 8·
JO •q l4 3 j N. 43 4
153
·-- -'--·--8. d.
,, 0} JO 4 l4 8
l9 0 A.
4l 4
47 8 52 0
25 °/0 thereof to F. F.
137, 64
.. 30 4 JO ~ JO 4 JO 4 JO 4 JO 4
--8. 26 z6 26
26
::.6 ::.6 26
137 I
by Members to the several Funds, &c.-continued.
Meluber's Wile(W.),
lVifc over 40, Second Wife
(2nd W.), Widow(D.),
or Ohlld (0.). ~ro the
Funeral Fund,
W., E.li,., zs. 6d.
2nd W.-E.~'., !CS, 6d.
A.C.~ l:tS.
128, 70 I
Sick Pay per Week during-
15
No sick pay is given.
R. ·'· I 8 20 10
I !of 12 ..
1 month' i only,
154 I 154 154 I .. I
Member.
16 £ 20
£ 20
GO
Benefits.
17
\V.~ £10
znd ¥\:'"., £10
w., £10
znd W., £10
66, 70 I
l\ledical Attendance and Medicine
to-
w i<towed mother o! married mBnber.
108, 116, 117, 13~
~~~.B. . . a. J,. •• .. 6
1153, 1:>4l 66
00 0
... ., ... !"'
30. }!. 'f. 13. s.
drtule
J6-·J5 35-45
-·----- -"---
40. C. U. A. S.
No. of Rule
~ n. J. A. s.
No. of ltnle
No. of Rule
8. cl. 2 6
IS 0
39
s d. 2 6
15 0
2 6
36
} 6s
11
rntes.
11
--·-s. d. 34 8 36 IO
:.( 3? 0
43 4 47 s 52 0
40
d.
J6 10
4
"· d.
'"! ,, 4
'9 6 23 10 A. 28 2
J2 6
36
d.
28 2
14
D., A. C. I2S. 20
46 4G
-~ 20
57
.-!i
10
£ 20
6 G 10
----· ~---
R. J; 4 6
4G 47
--- --~
(if
24.
~
~
"'
)frmtbs. 1' . •. 12
6
12
40, ·17
00 ......
83
APPENDIX C.
STA~riS'l.,IOB OF FRIENDLY BOOIE~riES, 1898.
SU~IlVIARY TABLES.
SUMMARY OF DETAILED TABLES OF EACH SOCIETY AND
DISTRICT FOR THE YEAR 1898 ; TOGETHER WITH SUMMARY
OF EACH SOCIETY FOR THE YEARS 1897 AND 1896.
H 2
APPENDIX C.
SUMMARY OF DETAILED TABLES, 1
'l'Anu: X.-BitAKCHEs AND J.\h::~mERs.-Branches Opened and Closed, Members Admitted a11d Left, InereaAe and Total Number iu each Society and District for the Year r8o8. aud
in each Society for the Years r 897 and. 1896.
Branche~. :\!etnbers.
of Admittetl by-- Ldt At end of Year. AYerft_~e ~ nm hPr. i ----
I I 'S ~ I
" Xo, Society and District. Year~ "' ~ " " ~~ " >< ·;:;
0 ~ ;~ .,; .; ~
•. t~ c " :§ 0
" ~ t~ ~
t,.. :i 'SD -d .g "' .'!! " " ~ ... ":'" :;:;
" ~ " " e ~ "" 1~ :;::15 .a 1!: " ~ ga "' " ~ " :: a ~~ ~ :ii ~~ ·= " !!.
0 " " t=~ 2 (:;:::,
" 0 5 ..., ~ 5 0 ;;:; ,:...r, ..... ~;:;:
----1- - "------------- __ _J ____ f ____ --- ------~-----
I l'C!' t"Cnt.
1 - I :'If. U.I:O.O. 1!'.-6 6 8 17 i j62 SI '90 L i Brumsdale ... ... ... . .. . .. 324 72 I 15 47 450 400
Il. , Ballarat ... ... ·--1
... I5 . .. . .. I) 1,460 I86 I6 26 IS S6 75 I,7F 1 .495 88'30 I If. Hendigo ... ... ... 14 ... .. . 14 3,105 363 23 38 32 204 112 3,646 3·19) Sg·oo IV. Castlemaine ... ... ... 16 ... . .. I6 I,3 87 I9 2" 29 63 -6 1,616 90 ) ' V. Collingwood ... ... ... "'
IO ... .. . IO I,I86 I I7 1I 49 36 1,3o6 I,J 92 YL Corio ... ... ... . .. 5 .. . 5 390 7 11 3 6 I3 4;!9 421 94'09
'Til. Hamilton ... ... ... 8 ... .. . 8 375 24 2 4 5 24 7 422 4 2 5 372 B7·53 vnr. North Y ana ... ... ... 5 ... .. . 5 ·53 1 59 8 j 10 23 3I 626 61J 5+9 s9 -s 5
IX. I Ovem and 1Iurray ... ... ... 21 ... .. . 2I 1,2 38 I66 20 Il 25 81 6g 1,492 1,2S2 s--) x· Pmt Fairy ... :::1
... 5 .. . ... 5 286 22 3 I 7 .> 14 31 I 285 91. Xl. Port Phillip ... ... . .. 43 I ... 4-4 4.35I 454 70 6I 88 241 134 4.971 4.470 +·4'1 8g' 9 5
Xll.' St. Arnaud ... ... . .. ... 4 I .. . 5 394 5 5 g 37 34 48! :l99 ~ ~. J4 xnr. Sale ... ... 7 I .. . 8 278 16 4 17 5 I 36 422 355 :l17 78 XIV. • South Melbourne ... ... 15 ... . .. I 5 1,361 42 Ig 108 g6 1,6 s8 1,430 1))9' X6·
... 1 XV.: Tal bot ... ... ... 5 . .. . .. 5 4I3 i
442 5 I3 34 - 25 461 474 -1 9"-'41 XVI. I\' a rrn am boo! ... ... I ... 7 ... .. . 7 38I I 12 447 43° q:;. 23
XYIL \rimmera ... ... ... 13 "' ... I3 830 6gg 88 8!6 823 83 · 84 XVIII. Yarra Yarra ... ... "'
li ... . .. li 8g3 773 81) 87-89 -----
I898 f-10 3 ... 2.13 21,)09 I 8,g61 ss·6s 1 Total of M.U.I.O.O.F. tl 1897 207 4 I 210 20,)84 18,2oo 21,)09 88'28
1896 204 5 2 207 20,001 17,7I2 282 2o,584 ss· 36 2 G.U.O.O.F.-
I.· Balln.rat ... ... .. ~; ... 6 ... .. . 6 546 $01 67 3 12 6 25 27 573 .;.84 ss. I9 H. Dendigo ... ···I . .. 3 ... ... 3 363 295 Il . .. IO 1 74 - 74 289 2)8 S4·66
Ill. ! Castlemaine ..• ... '"[ ... 8 ... .. . 8 248 220 4 2 6 2 18 20 228 213 9 I. 18 IV. [ Eastc>rn ... ... ... 12 ... "' 12 569 459 8 I 6 67 38 6o7 ;S·o6 V Gippsland ... ... ·--1 ... 7 ... .. . 7 I82 2 3 ! 22 . .
YL 1 Melbourne ... ... ... I9 ... .. . I9 I,300 25 6 79
{I _____ , ___
-I8g8 55 ... .. , 55 3,2o8 s6 24 285 93
2 'fotal of G.U'.O.O.F. 1897 57 ... 2 55 3,287 sz 4I 252 2,7 59 '25 I896 ss ... I 57 3,5 I 5 57 3I 392 J,287 2,777 3,-tm I
00 ~
3 LO.O.F.
4 l:.A(I.D.
5 A.U .. F., Ballarat ...
6 A. 0.11'., Bcndigo ...
7 A.O.F., Geelong and Western
8 A.(J.F., Gr~nville
9 A.U.F., Melbourne
10 A.O.F., Ovens and Murray
11 A.O.F., l'ortland
12 A.O.F., \Yarrnambool
13 A.O.F., Court Unity
14 A.O.F., Court Ara.rat
15 A.O.F., Court Amherst
{I { { { (l
11 f I l
{ {
{
{
{
{ {
1898 1897 !896
1898 1897 1896
1&98 1&97 1&96
1898 1897 1896
r8~8 !897 1896
1898 1897 1896
1898 18~7 I896
1898 !897 1896
!898 !897 !896
73 74 73
87 86 93
8 8 8
10 IO
!':)
6 6 6
3 3
77 78 79
7 7 6
6 6
2
I
2
2
5 3
72 73 74
88 87 86
8
10 10 rr
6 6 6
3 3 3
72 77 78
i 7 7
6 6 6
6,!87 6,063 6,215
7,197
209
JII 318 312
76 Sr
31 3
+02
399 427
124 124 120
147
3 I 32
33
2! 2.
·' 23
5,222 _5,074 S,l48
19
zo8 2J8 2)7
710 Sog 8os
295
362 372 +o~
II7 I r6 104
122 121
134
31 JI 33
17 23 ZJ
748 694 567
4
69 44
IIO
I)
14 3 I
698
23 34 68
J6 17 12
7 6
13
3 I l
roll 66 66
II8
2
23
209
2
59 68 57
73 6+ 6r
12 12
8
z6 25 3 I
6 6 7
4
135 112
12 3
2
6
5 12
6 2
7
2
• EffeeUvc members are those entitled to sick or funeral benefits.
138 96 87
133 I))
299
2
4 2
2)
I 73 '59 104
2
454
6 22 14
34 II6 SI
r6 IS IS
4 3
731
I7 IO
I2
30 9
27
<)
4 8
4 6
5 4
zos 124 152
8)7 1,034 - 2)2
q. 36
- 21
; 99 z6
6
7 6
4 5 +
!OI
68 ~ 32
2
~s
5•
IS 3
·· 28
2
4
5 6
- II
i I I
5 4 2
195 209
76+
305 31 r 318
72 ~6
Sr
B,s 32
384 402
399
I22
I24 124
125
)0
31 32
!6 21 2)
S,4o8 s,222
5,074
238
689
294 2 95 2<)5
66 73 ;6
7.592
365
372
II6 1 r 7 116
I I
122
I 2I
30 3I 3 I
16 I7 23
6,289 G,125 6,'39
/,071
202
227
zs6
;6o 8o7 843
)08
314 315
74 79 83
393 401 +I~
J ~3
124 122
127 1)3 142
JI 32 32
I8 23 24
/00
294 2 95 29b
70
357
362 367 389
u6 Il7 IlO
120 121 127
3I JI 32
r6 20 "3
51
'25
46 '22
86·8z
97'52 98'24 9G·88
gz· IJ
94'05 95'73
9.5. 45 93.95 94'60
94.59 94'94 93 98
37 ·8; 76
91.54 9o· r6 9o·Sz
92' I I
91"52 9+. I9
9+ JI 94'35 9o· r6
1oo·co 96·88
100"00
88·8g 86·96 95 '83
00 <::;rt
TAnu; !.-BRANCHES AND MEMBERS.--Branclws Opened anu Closed, l\{embers Admitted and Left, Increase and Total Number in each Society and District for the Year 1898, and
in each Society for the Years 1897 nml r 896-continued.
Branches~ ::'ilemhers.
At !Jt>.~:inning of Adm:tte.~l by- Left, by- At end of Year.
No. Society and District. Year. I '0 ~
~ ! i I ] J J ! il l ---
Per cent.
{I 1898 I 191 z I 4 189 9,597 i 8,171 I,Ioo 164 83 '57 710 J 314 ! 9,911 8,541 9,754 8,356 8s·6;
16¥i f.O.R. ... ... ... l 1897 187 5 1 ' 191 g,zszl 7,984 1,128 155 86 i 177 705 315 I 9,597 8,'7' 9,439 8,o77 Ss· 57 I 1896 187 3 · 3 187 9,276 8,ooo 1,oo4 155 82 174 897 · 6 j 9,282 7,984 9,279 7,992 86·13
17 J O.S.T.-
I. Ballarat and Sandhurst "'I ... I 12 I ... ... ! 12 431 I 355 70 3 3 4 47 19 450 328 'I 44I ! 342 n: 55 II. M~lbo~rne ... ... ... ... 25 i ... ... 1 25 , 1,396
1
. r,o31 318 16 7 zo 154 15 3 1 1,549 I,Iu 1,472 1
I,071 72 76 IlL Vwtona ... ... ... 18 I ... 18 i 717 6I6 70 5 9 8 33 25 742 6zo . 730 618 84·66
{
I898 55 ... ... 55 2,544 2,0o2 458 24 I9 J2 2341 197 I 2,74I z,o6o ., 2,643 2,031 76·84 17 I Total of O.S.T. ... I897 55 I I 55 z,sos 1,918 358 39 I4 ' 42 302 39 . 2,)44 'I 2,00~ 2,)25 1,960 77'62
I896 59 ... 4 55 2,555 I,9s6 J6s 27 17 36 J89 ' ·-so i 2,505 1,918 I 2,)30 1,837 76. s6
{
I898 63 3 ·•· 66 4,957 3,852 7I8 49 SI 47 484 I 185 5,142 J 4,194. 5,049 1 4,023 79·68 18 I H.A.C.B.S. .•. ,.. I897 6z 2 I 63 4,744 3,762 797 ! 75 55 ,. 97 : 507 213 4,957J! 3,852 4,85o 3,8o7 78·48
1896 ss 5 1 62 4,307 3,353 954 I 61 41 73 · 464 437 4,744 3,;62 4,525 3,558 78·63
19 I O.St.A.. ... ••• I897 '7 ... ... 17 488 26 11 ... 61 -46 488 445 SII 466 9I'I9 {
1898 17 ... ... Ij 488 +45 lJ ... I2 '" 66 65 423 382 456 4I4 90'79
1896 .17 ... ... I7 527 28 4 2o 4 76 - 68 534 +88 568 so8 89·44
20 I O.St.A.., s.c. ... ... 1897 5 ... ... 5 222 206 I ... 7 ••• 15 2I 20I I85 212 ' I96 92'45 {
1898 5 ... ... 5 2DI 185 3 ... 3 ... ll 11 I90 I7) I9) 180 92'3I
I8g6 5 ... ... 5 238 226 7 I 8 I IS -16 222 206 2JO l 2I6 93'91 !
{
1898 27 ... I 26 1,497 1,196 278 1 22 IS IS 23I 36 1,5 33 I,226 1,515 I 1,211 79 · 93 21 I G.U.O.F.G. ... ... 1897 26 1 .•• 27 I,J41 1,0~3 311 11 I2 21 I33 156 1,497 1,196 I,419 ' I,I39 8o·24
1896 23 3 ... 26 I,292 9~7 290 14 9 17 229 49 I,34I I 1,083 1,3171' 1,035 78 ·59
~ { 1898 8 ... ... 8 494 4) 1 22 '" 7 ... 20 - 5 489 455 49 2 453 92'07 22 ISt.P.S.,Melbourne ... I897 8 ... ... 8 532 455 12 I Io I 40 -38 494 45I 5I3 453 88·p
I8g6 9 ••• I 8 579 )OI 20 6 Il 6 )6 -47 532 455 555 478 86·13
{
1898 I , ••• ... I 247 2JI IO .,, 3 ,, I5 - 8 239 230 243 2JO 94'65 23 I St.P.S., Geelong and Western · I897 I I ... ... I 267 249 23 ... 4 ••. 39 - zo 247 2JI 257 24o 93' 39
1896 1 ••• ... I I92 169 48 32 3 ••• 2 75 267 249 230 209 90' 87
00 0':>
{ I8g8 28
I I 2 27 I,I04 956 222 ]6 13 30 92 IZJ I,227 994 1,16 51 975 I 83·6g
2:4 I P.A.F.S. ... ... I897 28 . .. ... 28 I,og8 9I9 I24 5 IS I4 94 6 r,ro4 956 I,I0l 9381 8 5. 19
r8g6 29 I 2 28 r,ogJ 925 II7 22 IO I2 II2 5 I,098 9I9 r,og6 g22 84 '12
' 1.
{ I8g8 126 I IO 2 134 I 1,093 8,771 3.313 372 6I x,zzo 1,973 I 3,o66 Io,o6o 12,080 I 9,4I6
25 I A.N.A .... ... ... 1897 123 5 2 I26 I0,457 7.956 2,I67 289 55 6]6 I I,093 8,77I ro,n c. I 8,]64
I8g6 I17 8 2 123 g,62o 7.348 z,zsz z6o 53 339 8J7 I0,457 I 7.956 ro,oJ8 1 ?,6sz 1
{ I8g8 I ... ... I 115 107 [0 ... 4 ... 6 ... liS ro8 115 I07 93'04
26 i G.S.R.S. ... ... 1897 I ... ... I liS IIJ 5 ... 2 . .. 3 ... us 1 IOJ 115 I 10 95'65
1896 I ... . .. I 122 I20 ... ... . .. . .. 7 7 IIS ' IIJ I I 9 u6 97'48
{ I8g8 9 2 ... I I 577 4°5 309 3 I! 4 173 124 70' I 451 639 428 66·g8
2:7 ! I.N.J<'. ... ... ... 1897 9 ... ... 9 s6s 427 I40 ... 4 4 120 12 577 4°5 57' 416 72'85 I8g6 8 I ... 9 475 377 211 6 2 3 122 go s6s I 427 520 402 77'31
{ 1898 I ... ... I 757 693 So ... 4 ... 63 IJ no 736 763 715 93'71
28 I M.T.B.S. ... ... 1897 721 672 127 ... 5 ... 86 ]6 757 6g3 i 739 68z 92'29
1896 742 709 g8 ... 2 ... ll7 21 721 672 732 691 94'40
---
{ 1898 8],604 71,244 12,406 1,408 1,5 39 6,6Io 7 5,072 n.rsS s5 · w
Total ... ... 1897 8o,397 68,426 I 1,015 Ir221 1,462. 6,700 6g,835 ss·r6
I8g6 79,JI2 67,285 10,)04 I,368 8gi r,sz6 :,876 68,oo2 Ss·oo
----
Female Societies. 00
1 I.O.O.l'. 1 I 1898 I I 28 ... ... ... ... 3 20'00 ..... ... . .. r8g7 I I ... . .. I ... ... ... ... ... ... ...
2 A.O.F·., Bendigo { I I898 75 46 r8 ... ... ... I8 ... 57 75 51 68·oo ... I897 2 20 46 38 23 6o· 52 ... ... 97 ... ... 75
32 I "' A.O.F., Warrnambool 18g8 35 32 r6 r6 8 ;o·oo <» ... . .. ... ... ... ... 3
4: H.A.c.n.s. { r8g8 479
I 202 181 ... 2 ... 67 II2 591 397 m\ 300 s6·o8 ... ... 1897 3 89 42'26 ... ... 572 3 4 479 202 239 IOI
5 A.O.F., :Female Court Sherwood ... i ... 20 ... ... . .. 4 16 10 8 i 5 i 62. so
----~---
Total {I I898 I 9 5 I ... I4 555 249 282
I ... 2 i ... 92 743 484 I 649 367 s6 ·ss .. ... 1897 8 670 6 I ... 9 ... .. . 3 I 3 109 1 555 249 . 277 ! 124 44'77
• El!ect.ive members o.rc those cntitleu to "i"k or funeral benefils.
TABLE il.-HECRIPTS, EXPENDITURE AND FUNDS.-The Income and of the Sick and }'unerul Fund in each Society and District for the Year I898, and in uwh Society
6)r the Years I 897 and I 896.
Jtect>ipts. EJ>.p:::idltnn::.
X o. Society and Dtstrlct. ! Y cur. ~ 1': .2-
-~ ~ ~ ~ !h ~ i ------ ------1·---
1 ::\fT.I.O.O.F.- J.: £ £ £ £ £ £ £ I £ £ 1. lhimsuale ••• ... ... ... 7 52 . .. 6 998 467 6:> 6 53 3 46 5 6,174
11. Hallamt ... ... ... ... 2,701 ... 232 s,•99 3,267 622 358 4-,24-7 952 so,8I6 lll, Bemlig-o ... ... .,, ... ... 5,755 ... 989 I45 6,889 5,248 53 6,281 6oS lV. Castl~maine ••• ... ... ... ... 2,613 ... r,o)Q 136 4,ao8 z,69c. I9I 3,361 647
V. ('olling-wood ... ... ·- ... ... z,o7o ... I,JI 1 77 3,458 3,041 323 3,824 36& VL Cori~ ... ... ... ••• ... ... , 69o ..• 28 1,244 1,045 45 I,35o - 106 1 12,57I
VII. }f;umlton ... ••• ••• ... ... ! 735 ... so 1,438 ss• 6o zo 6ji 8c7 II,II I I II,9I8 Vlll. :iorth Yarra ... ... ... ... 9~7 ... 8 1,203 1,348 Go 20 1,428 -225 7,935 7,710
.IX. Ovens and Murray ••• ... ... ... 2.166 ... 718 n6 3-400 1,844 zgo 3~ z,172 r,zz8 X. l'ort Fairy ••• ... ... ... 531 ... 76 gzo 50 ... 760 160
XL J'ort .. Phillip ••. ... ... ... 7,96I JI 12,oz8 1,030 773 IO,o88 I,94-0 1 11 11 00 XII. St . .Amaud ••• ... .•• ••• ... 780 44 I,I88 rso I 6zg "() I 00
.XIU. Sttlc ... ... ... ... ... ... 67+ 7 899 110 131 701 XIV. South Melbourne... ... •.• •.. ... 2,596 95 4,I65 390 967 J,'J-17 XV. Talbot ... ... ... .,. ... 769 22 857 210 92 I,J/3
XYJ. Warrnambool ••• ... ••• ••. .•. 719 3 894 8o 11 927 - 33 ),416 XVI!. \Vinnnem. ••• ... ... ... 1.44-3 I7 r,84-1 1,340 501 !1,753
X YlJI. Y,trm Yarm ... ... ... . .. I :~'~ . 9 ---=~Of ~90 ____ 7"1- I;-,ooz
j 1898 35,874 1 1,282 52,733 J6,qg +4.982 1 Total of M.U.I.O.O.F. ... { 1897 13.963 1,+49 so,371> 32,779 5·7 41,377
1896 32,682 2,025 so,4oi 32,072 4c,zs+ IO,I.J.7
2 <a:.o.o.F.-r. Hallamt ... ... ... ... ... ... I 1,201 794 zso 64 I, 108 93 7,729 I ;,822
Il. B1•wlJgo ... ... .M ... ... ;8 572 590 242 3 815 -263 1,207 944 Jll. (\tstlemaine ... ... ... ... ... ... 6o4 4-97 90 27 6q ·- ro 6,36o 6,350 IV. Eastern ... ... ••• ... ... 5 327 19 1,2o2 6os 4 13 6n 5So 9,415 9,995 V. 1 Gippslanu ... ... ... ... ... 3 177 ... 478 330 40 r Io7 4·795 4,9<JZ
VI. Melbourne ... ... ... ... 11 775 2.692 1,633 561
{
r8g8 25 r,Sso g8 6,749-,.---~,449 1,187 2 Total of G.U.O.O.F. ... 1897 21 I,893 I93 6,84-7 4,358 I,IZ4 I,I\7
1896 29 1.998 549 7,486 4·746 I,295 i 888
{ I 9:S79 1 1o 3,271i 626 I 1 I 7,399
1
1,494 I 1,1 10,o67 3,524
1
98,5oi 3 I I.O.O.J;', ... •• ••. ... 9,152 I ~5 3,354 6,757 r.676 3-962 94.139
9,1o6 Sz 3,os8 1 6,;67 1,596 221 4.024 9o,srs 94,539
J • SgS 10"'533 67 2,6o8 g64 ! 14-,172 9-072 I ,82 3 8os
I I 1,700 2,472 88,68o 9 I ,I )2
4 1 U.A.O.D, ... ".,. ... 1897 9 ,+Is 83 2.6g6 1,051 I 7~7°4 I ,)21 z,s84 11,809 1,4-36 S7,244- SS,G~o
I. 1Sg6 9·052 PS 2,300 I,Sgg 1
i 7.5 8 5 1,540 2,21 I 11,3 30 2)14-0 S4,904 87,244
{ 1898 338 ... 53 10 401 i 290 210 I ' 51 114 2,413 z,299 )
5 i A.O.F., Bnllaxat ... . .. ... 1897 4°4 ... ~2 . .. 4-36 421 3 IO 5 )CO 2,713 2,413 1~96 45 1 I 76 3 531 488 1'0 ... 107 2~820 2~71 3
I )
J I I ,4-77 26 385 2.)1 ) 2,139 I ,753 66o 23 2,436 8,2 51 I (l 1 A.O.F., Be11<ligo ... . .. . .. I I ,4-I I 59 421 2,1 r8 1,::;9z Goo 134 2,:):26 S,q.S
t 1,62! 4l!. I 4'7 2)247 r,632 :!. 2,cP4 167 8,756
{ r8g8 395 3 I 133 I 466 15) 4 625 94 1,184 7 i A.O.F., fi<'r·long and Western ... 1897 417 3 198 .po r8o ... 32 ),216
r8g6 397 3 199 599 45.3 170 2 26 "',242
f J8g8 ss 32 I I] I 30 ss 8o 9 I 44 I ,12 5 I,c8 I 8 i A.O.Y., (irenville ... ... . .. t897 9"' I j8 3 134 143 70 '3 - 92 I ,12)
l 18g6 104 I :;6 3 143 112 qz I 1,217
J dlg8 11,724 71 I 3AI2 S;g 12,610 3·430 ~27 16.76- - 6~1 89,715 89,034 9 A.< l. F., Melbourne ... ... . .. 1897 I 1,439 57 ),4So I,OJ5 I 12,100 z,8oo 794 1).694 317 89,398 89,715
L r896 11.290 ss 3,73 3 704 I 5~78) 11.990 2,900 3 55 1_1,245 540 88 .~ss 8'), 398
{ r8g8 5°9 17 2 'jl I 758 6J6 IIO ;o 18 6,+84 6,,,(;6 10 A.( Uc'., Uvens and :\Iurray ... . .. 1097 455 24 2l:l 6gi 345 20 ... 6,153 6,484
1896 4 37 43 194 67+ 459 1'0 ... 6,c"73 6,rss _,
00 c:.o
{ 1898 47+ 16 1 93 33 716 6 I:Z. So 71 I - 47 7,640 I 11 ! A. O. F., l'ortlam! ... ... .. . 1897 472 17 22.6 41 I 577 110 ! 123 7,687
1896 491 IO 2~9 36 I 678 jlO I 24.0 7~8ro I
{ r8g8 162 3 17) 12 350 186 10 ... I 154 z.g4l:i 3,102 12 1 A.O.F., \\'nrrnamhool ... . .. !897 166 176 ... 344 70 ...
I 19
r8g6 155 4 I 199 10 368 21 so 3 2/I
f rSgS 243 : 298 ... 54 I 676 120 ... 796 - 2 55 ),868 13 : A.O.F., Comt Unity ... ... 1897 ... 2 9S ... 6os so .. . 0)) 101 5,969
l r896 386 [ 439 I)O ... 589 65 5,904 5,969
J r8g8 40 [ 7+ ... Il5 38 20 . .. ss 57 1.441 I ,498 1i A.u.F., Court Ararat ... ... !897 )0 . .. 55 s 113 59 40 99 14 1,441
l 1896 53 ... +4 ... 97 66 so 116 -- 19 I ,4-27
{ 1898 22 ... ... 22 14 ... 14 8 198 406 15 i A.O.J.'., Court Amherst ... . .. r897 22 l 23 12 10 22 I 397 39S
r8g6 30 ... ... )0 29 20 i ... 49 19 416 197
--~··-. ------~
NoTE~ Tht llllDUS slgn (-)signifies the cxccf:s of r-xperuHturc over receipt.-:, or a tieiJH. balance.
TABU' II.-RECEIPTS, ExPRNIHTURE AND FUNDS.-The fncomc and Expenditure of the Siek and Funeral Fund in each Society and District for the Year 1898, and in each Society
for the Y cars I 897 and I 896-continued.
llccc!pts.
.~ ~ 0
Xo. Socl<!ty and Dlstrlct. Year. I <= I -..- I ~ "' 'd I 0 '; " 8 .0
Qb£ ;., _,;, ~
~~ " "~ :0 d,.: " ~:g~ ~ ~ ~"" .. = "'" ~.: .; <l) <::,.i
~~ ~ '§~ 5~5 "" "" ;:::! G) ~>< ~·o ~~ ,.. :;: "'~ 0~ !-< ____ ,
:--:----~-
£ £ £ £ £ £ £ £ £
{ 1898 I I 5.9 20 r,o62 2 I, I 14 13,165 2,oo8
I r,899 17,072 4,042 142,)81 146,623
16 f.O.B. ... ... ... . .. 1897 I ... 5475 97 1 20,048 1 r,751 z,qo 1,732 I 5,6 I 3 4.435 138,146 142,581 1896 I 3,070 ... 5,697 1,429 zo,I96 II,274 1,907 I 2,045 I 5,226 4:970 133,176 q8,r46
17 o.8:r.-T. Ballarat and 8andhnrst ... ... ... .. . 432 2 4 5I4 ... 2 4,108 4,IIO
ll. .Melbourne ... ... ... . .. ... 1,372 1 I,296 •·· 8,075 HI. Victoria ... ... ... ... . .. ... 995 ... 844 .. . I 16,907
National ... ... ... ... ... ... 4I5 I 4,6So -------
J 1898 2 ·799 z,654 ·l-15 3 3.772 17 Total of O.S.T. ... 1897 z,6I) 2 2,IJ2 270 32. 2 59
l! 1896 2,597 3 737 2,J70 355 JI,895 ~ 0
{i 1898 6,139 I27 8oS 1,579 8,8)3 5.456 I,IJ8 2,222 8,816 27,730 2 7,767
18 1 ILA.C.B.S .... ... ... ... !897 ),823 159 923 972 7,877 5,095 1,430 763 27,I41 2/,730 1896 5,657 I6j g68 409 7,20I 4,6o1 1,o5o 176 I ,374 25,767 27,14I
c 1898 6ro ... 91 I3 714- 461 290 83 834 120 4·593 4.473 19 ! O.St.A. ... ... .. . I897 690 ... 88 20 798 353 po 10 683 IIS 4.478
I896 775 I 108 3 887 542 36o 48 950 6· 4·54' ~
( !898 348 ... IlJ 4 465 394 I10 )04 - 39 2,65i 2,612
20 I O.St.A., s.c. ... .. ... t 1897 373 ... Il2 2 487 J60 IIO .. . 470 I7 2,634 2,6SI 1896 4" I 127 2 541 569 16o 33 762 -221 z,855 2,634
{ !898 12 396 31 2,469 1,402 262 IJ,084 I 3,346
21 ! G.U.O.F.G .... ... ... ... 1897 13 376 13 2,292 I,300 6J2 I 2,452 I 3,084 1896 ·7 38 5 35 2,213 I,226 230 88 '·544 669 Il ,783 12,452
1898 692 ... 466 ... I, I 58 706 18o . .. 886 272 1 5,7ss r6,o6o
22 I St.P.S., Melbourne ... ... J 1897 725 ... 528 24 1,277 676 270 ... 946 331 I ),4)7 15,788 ·~ l
1896 816 ... 413 84 1,3'3 739 240 291 1,270 43 I 5,414 I 5,457
{ 1898 285 2 So ... 367' 265 40 . .. 305 62 2,295 2,357
23 I St.P.S., Geelong and Western .
1897 289 8 I79 476 327 75 402 74 z,221 2,295 .•. ... .. . !896 272 I7 92 59 440 186 90 ... 276 164 2,057 2,221
{ 1898 1,5I2 14 457 302 2,28 5 I I,Io7 410 6!1 2,128 157 15,804 15,96 I
24 I P.A.F.S. ... .. ... ... I897 I '·51 2 34 545 3 2,094 I
I 1168 400 57 1,625 469 15,335 I ),804 1896 I 1,427 25 488 35 1,975 l,OI 9 295 531 ,,845 130 I),205 I s.33s
r I '5·499 243 2,+29 ;oS 8,go7 L650 I,ZI} 25~ A.N.A. ... ... .. . . .. t 495 2,291 zSS I 6,98 I I ,I 714 I
I 513 2,07) 92 J 6,soz 1,190 7I I 74l~ I
f 2!2 ... 68 z8o I74 9' 16 z81 -I 2,c42 I 2.04I 26 G.S.H.S. ... ... ... I91 ... 1)2 . .. zS ~47 55 J02 - I9 z,o6J
l I 201 ... 120 3 2 I 2 I I 10 221 lOO Lg6I
{ 9°9 2 45 22 q-8 4°3 !80 24 6c7 37' J,07I 3}#2 • I 27i I.N.F. ... ... ... . .. 774 I 38 .. . Sq 442 125 ' 572 241
I 739 ... .p 43 824- 377 so 2 429 395
{ 18()8 1,403 ... 218 I,{i2I 1 -549 95 ... 1,644 - 23 28 :\LT.B.S. ... . .. . .. l897 LJ22 202 I I ~"2'\ !.268 r8o
1896 I ,35 I
(; J 12J,OOO 743 Total ... ... ... '" 116,g46 1,094-
l J J 3.754 I,4JI --' -------
Female Societies.
1 l.O.O.F. f 1898 ' ... ... ... ' . .. I I 4 ... ... ... . .. \ 1897
(' I8g8 89 4 ... ... 62 3' 144 x-· 2 A.O.l<'., Bendigo ... .) ... ... . ..
l • 1897 76 14+ 144 ... 3 10 54 ... <:0
3 A.O.F., "\Varrnambool I8g8 !6 2 !8 ,g ...... ... . .. . .. 4 ... . .. 2 ·-·
4= H.A.C.B.S .... { IS(j8 3 6 20 ... '74- J87 34-0 52 7 ... ... ... IS97 6 3 30 29 nG 340 ... J40
5 A.O.F., l<'emale Court Sherwood ... 1898 7 ... I3 ... 13 --- -·
Total r I8g8 455 10 9 20 3 239 253 48' ) ... ... ... \. 1897 3 35 6 6 JO 39 I jO 485
NOTF..-The minus iijgn ( ··) signifieB the t>xt.eN.s of exvendit ure OYer receipt.':l, or a debit balance.
TA Hl.E III.-lh:m:JPTS, ExPENDITURE AND FuNns.-The Income and Expenditure of the Medical and Management Fund in each Society and District for the Year 1898, !tnd m each Society for the Years I 897 and 1 &96.
Iteceipt~. i I
Expemlitu re.
"" i ~<), Year. " " "-8oelety end Dlstrlet. " I " 0 - ~
"' 1)
l ~~ rn ';1 ~} "' :;.::!; -,; .~
" r:::r..: '§t ] " " c ~ "'" .:; .:::.......; !'-< ..., ;;...;.... ___ _...._
------1--····-- ----- ---- -----£ £ £ £ £ £ £ £ £ £
1 :\l.U.l.O.O.F.- I I. lla irn sctale ... ... 76' 29 II6 910 5 51 282 j2 885 25 90 IIS '" ... )
!I. Ballarat. ... ... ... . .. .. . 2,)75 So 6r I4I 2.857 I,666 971 IJS 2,775 8.2 I,5S7 I,669 I I !. Bendigo ... ... ... . .. j,I66 1 55 ~4 46I 5,s66 3,2j0 I,676 392 ),298 ;68 +.993 ),)6I IV. Cnstlcmaine 2,5! 3 72 4 I 244 2,833 I ,6 56 r,os 5 175 2,836 53 6J9 ;86 ... ... . .. ... ... i V. Collingwood ... ... . .. . .. ... I,8jo 49 13 122 2,0I4 I,2 s8 595 I66 2 1019 - 5 458 453 VL Corio ... . .. ... 66J I 3 5 79 760 486 2I9 9I 796 -]6 268 2J2
Vll. llamilton ... ... . .. ... ... 653 IJ 2 59 ?27 472 217 45 734 - 7 I63 I 56 V Ill. North Yarra ... ... ... . .. . .. 972 23 2I So I,o96 735 3<14 48 I,o87 9 195 204
IX. (h-ens and :M urray ... ... ... 2,502 ss I+ 387 2,991 r ,S3o 946 234 J,OIO '9 soo 481 X. Porr Eairy ... ... ... .. . ... 494 12 IO 25 54' 320 198 18 536 5 I4I 146
Xi. l'o rt l'hillip ... ... ... . .. 7,209 223 +7 526 &,oio ),I99 z,sc6 ,~s 8,093 - 83 2,I96 2. I I 3 <:.0 XII. ::it. Arnaud ... ... ... ... .. . 686 46 6) 797 p.o 226 ss ~04- 7 88 8I t>::>
XI! I. ~ak ... ... ... ... ... 647 55 I 8q 498 66 SI9 6 22-t XIV.· Sollth Melbourne ... ... ... ... 2,4)6 103 6 5 I ,7! I I)I 55 2 3 3 XV.• T•tlbot ... .. . 769 13 I 480 36 "" I 6I 184 ... ... . .. -,
XVL' IY:rrrrutm bool ... ... ... ... .. . 664 24 734 489 2I4 737 3 93 go XVJI. \Vimmem ... . .. ... .. . ... l,j8S 53 4 '·5+2 I,OO) +88 I,5 59 I7 3•4 297
XVlll. YJtrm Yarra ... ... . .. .. . ... l,4I 3 6o .. . 1,57 5 987 466 44 1c497 78 I45 223
: ·-----·---- -----·-----1-----I898 33.365 I,1!6 272 :~.,869 37,622 2J,093 x.r,8zS 2,202 J7,I2J 499 12.5+9 13,048
1 Total of M.U.I.O.O.I<'. ... < ! r897 p,894 1,164 4°3 3,6I7 37,07g 21,957 I I,723 z.7 5s J6,43g 640 11.909 12,549 1896 J0,890 I,o84 289 3· 2 95 35.558 2I ,490 10,936 2,)4-I 34--967 59 I 1l,Jt8 i I I,go9
I .2 G.G.O.O.F.-
I. Ballarat ... ... ... ... .. . ... g6z 24 3 55 238 Ill 983 6I 26o 321 11. Hendigo ... ... . .. ... .. . 481 5 3I 146 6r 493 24 u8 J.4.:2
HI. Castlcmaine ... ... ... . .. .. . 403 I ... )I roj.8 48 444 Il II9 IJO IV. Eastern ... ... ... 864 37 I IIS 304 145 1,035 - 18 62 44
V. Gippsland -·-·~
365 52 40 389 39 22. 6I ... ... ... ... .. . I! .. . VI. ::\ r el bourn e ~. 4 • • • 4t. ... .. . 2,052 24 ... 162 2.39I 83 r6o 77
Cornmitte<' of ::\Ianagement Funds !? ... ... ... ... I .. . I I 54 6JI - 2 274 272
--
{\ I898 s,127 IO:!. 5 r,Iti+ z,Ios 921 32 1,01) 1,047
2 I Total of G.U.O.O.F. ... 1897 5· 190 84 I I,:l/0 3,4-5 2 1,952 r,o63 78 937 I,or 5 I
1896 4-.720 72 3 z,oz6 3,488 2,0J4 I,os6 243 694 937
{ I898. g,8sz 293 27 1 ·739 II ,9 I I 7,081 I 3.5°7 830 I I,4I8 4-9 3 1,6 I 3 :?..,toG 3 LO.O.F. ... ... ... . .. 1897 g,o78 273 25 I ,84-6 l 1,222 6,8 3 i I J,)OZ I 1oz6 ll,)63 14.1 I ,7 ~4e 1,613
I896 ,,284 zss 28 I,34-3 I
10,910 6,66o J,Jso sss 336 1,418 '·7 54
{ I898 12,983 574 So I I I g,o8; s,6 ss 1.393 I I 6,1 38 973 3.2.90 4,1.63 4 U.A.O.D. ... ... . .. 1897 11.5IO 582 88 7·982 s,G+ 3 I,4ZI I I 3,290
1896 10,191 277 95 3,907 14.470 7,)87 ; +,875 I,J )4 I I 2,317
I
{t 1898 ... ... 37 377
I I)) 24- 406 438
5 A.O.F., Ba.llarat ... . .. . .. I897 ... . .. 84 440 182 20 467 - 27 18g6 ... ... ss 445 3°5 !88 22 .)I) 70 - Jl:!.
I
{: 18g8 I,I79 9 386 1,574 740 541 79 73
i '52
6 A.O.F., llcndigo ... ... .. . 1897 944 . .. 3 1,4c6 844 543 62 I 3 5 73 1896 1,049 2 13 1,704 86+ 579 217 4+ <)I r 35
{ 18g8 487 3 ... 20 )10 32 3 t66 14 503 !6+ I I 7" I 7 A.<LF., Geclong and Western ... 1897 454 3 2 6o 519 33° 157 67 5 54 - 35 164
1896 4-35 8 I 117 501 I 344 170 28 542 19 199
{: 1898 107 ... 3 I IO 77 6o . .. 137 z- !- - 99 8' A.U.F., Grenville ... ... .. !897 14:1 I ... I '45 92 sS . .. l)O 5 6; - 72 !896 I46 ... 2 {4.8 88 63 ~ IjJ 5 62 67
f 1898 1 3,2 52 299 22 '• 3'4 14.887 g,gg;- 4-.465 408 14,870 17 !.84() -,- ·~-
1!.0 9 A. 0. f'., Melbourne ... ... ... 1897 I 2,12 I 3°9 27 2,388 14,,845 +·+56 748 I+,<:J29 B+ 1.93 1,849 '!!.:> !896 12,J14 325 33 2,138 14,810 4-.398 SOJ 1 +,397 - 8; 1,93 3
{: 1898 761 21 2 95 879 516 z•6 52 824 55 326 38I .)
10 A.O.F., o~·ens and Murray ... ... I897 683 36 3 8. Sot 490 37 781 20 ;c6 }26 )
t8g6 64o 43 3 So 706 455 +5 j26 40 266 joG
{, 1898 587 ... ... 95 68z 440 204 55 0')9 I7 I 120 11 A.O.F., Portl•md ... . .. ·-· I897 543 ... ... 442 214 44- JOO 28 137
1896 559 457 216 16 68g - 2 I 6. ... . .. .)
J 18g8 I8o 2 6 16 204- II6 68 10 194 IO I 2; I • • )) 12 A. 0. F., \V arrnam boo] ... ... 1897 ISO 2 9 II 202 I I 3 62 29 204 2 12/ 125 l t8g6 !69 4 3 I8 194- 105 71 14- 190 4 123 127
fl 1898 227 I ·!6 244 t63 93 5 zG1 17 20 9 13 A.O.F .. Court Unity ... ... 1897 234 ... 23 170 94 2 266 - 'J 35 26 t: I8g6 249 I ... IO '74 8g IO 2 73 -· 13 +~ 35
{ I8g8 59 ... 3 62 32 27 . .. 59 3 I 3 J6 14 A. 0.1"., Court Ararat ... ... 1897 68 ... ... . .. 68 48 21. 2 72 4, 17 I3
1896 71 ... . .. ... 7I 43 21 I 6• 6 11 17 )
I I
~OTE.-The 1.ninus sign (-) Ri~niftes t.he ~xcesn of expcndltnrc oYt'r TL'C<dpt.-., nr a
TABLE IlL-RECEIPTS, Ex.P:&NDITUB:& AND Fuxns.-The Income and Expenditure of the Medical and Management Fllnd in each Society and District for the Year 1898, and in each
Society for the Years I 897 and I 896-conti1med.
Receipts. Expendjture.
----·~-i:l' I i'i I " c
!<c. I Society and Dl.ttrlct. I Year. I i
I § ~
8 E "' :0 9 ~~ " :e~
,::;! O>ol ----------
£ £ £ £ £ £ £ £ £ £
1898 32 ... ... ... 32 23 9 . .. 32 ... 6 i 6
15 ! .A.O.F., Court Amherst il !897 34 4 38 32 12 44 6 I 6 ... ... . .. . ..
1896 44 ... ... 2 46 27 14 2 43 3
I89S I4,243 I 2I 66 2,j26 !6,756 IO,IoJ 5>027 I ,383 I6,'jiJ 243 2,571 2,814
16 1 I.O.R ... ·- ... ·- 1897 I J,442 128 68 2,310 I5,948 9·533 5.324 1,131 I 5,988 - 40 z,6I I z,57I
1896 IJ,I47 113 83 z,244 I 5,5 8 7 9,207 4,422 !,647 I 5,276 JII 2,300 z,6n
1"1 I O.S.T.- I I. Ba.llarat a.nd Sandhurst .... ... ... ... 486 6 . .. 10 502 282 183 73 538 J6 43 - 79
II. Melbourne ••• ... ... . .. ... 1,683 42 2 1 75 I,902 I,o6o 529 249 I,8j8 64 J06 170 e.o HI. I Victoria . .. . .. ... ... ... . .. I,146 12 I IIJ 1,272 721 3'9 I72 1,212 6o 376 436 H>o-
National ... ... ... ... ... ... ... .. . 4I7 417 JII 251 s6z - I45 175 320
-- ----- --··- -----_____ , __
1898 3,3 I 5 6o 3 715 4,093 2,063 I,342 4,rso - 57 264 zo7
1"1 Total of O.S.T. ... ... .i I I897 Z,9S8 46 4 908 3,916 1,962 I,352 3,820 96 r68 i z64
I896 2·991 48 4 1,126 4,169 L9J7 I,379 4.10) 6+ 104 r68
I8g8 6,793 IJI 32 I,6II &,567 s,rgo 2,769 6g7 8,656 89 I ,298 r,209
18 I H.A.C.B.S. ... ... ... ... i' !897 6,321 149 Io r,618 8,o98 4.982 2,292 897 S,r 71 - 73 r,37 r 1,2.98
I896 6,201 175 16 I,421 7.~13 4.915 z,_srz 377 7,8o4 9 1,J62 1,371
{ I8g8 636 3 6 232 877 459 332 8+ 8;5 2 -281 - Z/9
19 l O.St.A. ... ... . .. ... 1897 687 I I .. . 251 949 6II 396 33 1,040 - 9' -rgo 28I
t8g6 8or 8 I 24I r,osr 6o4 436 36 r,o76 - 2) 105 - 190
1 I898 255 I 7 126 389 r8 5 r67 19 371 18 368 386
20 j O.St.A., S.C. ... ... . .. 1897 250 ... 9 96 355 206 I85 '4 405 - so 418 368
I896 297 2 Il 94 404 226 200 20 446 - 42. 460 418
{ I898 2,276 gz z zso 2,620 1,489 896 147 2,5J2 88 20J I 291
21 ; G.U.O.IP.G .... ... ... ... r897 2,095 93 z ZJ4 2,424 1,345 8g6 200 2,441 - 17 220 I Z03
!89~ I,g;o 87 5 249 2,291 1,J06 8J4 148 z,zgs 3 217 I 220
{[ I8g8 6gg 6 ... 81 786 5Gs 363 Il2 I,043 257 8,73I 8,474
22 St.P.S., Melbourne ... ... ... 1897 7I7 4 46 I03 870 5 1 3 366 99 978 I oS 8,839 8,7JI 1896 781 5 32 14I 959 6oo 352 143 I,095 -136 8,975 8,839
J! 1898 285 2 ... 38 325 223 73 3! 327 2 74 72 23 St.P.S., Geelong and Western ... I897 289 8 ... 138 435 294 g6 130 520 ss 159 74 ll 1896 2 99 17 ... 9I 407 ,ss lOO 5I 336 71 88 159 i
j' I898 1,709 43 ... 728 2,480 I ,389 750 I I 2 2 125 I 229 s ~1 622 24 P.A.F.S. ... ... . .. ... !897 r,6rs r8 I 598 2,2J2 1,299 718 2.28 2,245 - 13 - 838 l 1896 r,6s6
i 2::1. ... &6 5 2.543 1,277 75° 97 z,IZ+ 419 ·- 1,257
i { r898 15,636 j g6g 47 1.ss 3 xS,zss I I,I.f.O s,6 s; 507 17,po 955 4.271 5,226 25 i A.X.A. ... ... ... . .. l !897 I4,723 641 64 1,249 I 6,677 Io,468 s,r98 439 I61105 572 3,699
I8g6 I 3,709 646 67 3,089 IJ,)II 10,012 s,z8s 456 15,7 53 1,758 1,94I I '
{i 18 g8 199 4 I 9 8 220 159 66 I4 2 39 19 293 274 26 I G.S.H.S. I897 I79 I IS 6 :1.00 t6o 93 IS :.68 - 68 361 2 93 ... . .. ... ... .. . 1896 !60 ... 24 IJ 197 I63 59 20 1.42 - 45 406 36I
{ I898 828 33 ... 209 1,070 ' 595 97 1,or 5 55 - 51I -456 27 LN.F. ... ... ..,. .•. lS97 699 23 . .. 179 90I 49 2 SI 841 6o 571 SII J8g6 656 25 ... 124 sos 48I 53 853 - 48 523 57 1
fi I,053 I3 ... 4 I,070 32 I45 292 437 28 M.T.B.S. ... . .. ... ... 99° 17 .. . I7 I,024 .. . 153 139 ... 5 1,041 I66 -· 27
{I ---
-~--- (0 I26,sl s 595 19,II2 I 50,II I 3.389 37,4I5 Li_()_~('')A <:Jt
Total ... ... ... II8,397 780 2I,547 144.3IO 1,662 35.753
I I I4,820 7II 23-496 I42,258 10,513 4,244 JI,So9
Female Societies. i I
I 84 1 l.O.O.F. {I I898 37 3 . .. 44 35
I 24 8 67
I 17 40 ... . .. ·- ...
1897 57 57 4 I
... ... ... 9 4 17 40
2 A O.F.,Bendigo {I I8g8 ss I ... 2 6t 42 I
I8 3 63 I I 13 12 ... ... . .. 1897 s6 40 I7 ss I ... I4 71 I I
I 13 ... I3
3 .A.O.J<'., Warrnambool 1898 26 I 3 ·- ... ... I 11 4 ... II 7 ... IO IS ... I)
I H.A.C.B.S .... 1898 407 37 9 453 329 106 7 441. I I I 86 I 97 4 {I ... ... ·- ... 1897 3oo 68 419 264 ss Il 333 I 86 86 5,1 ...
I . ..
5 I A.O.F., Female Court Sherwood ... ... I i898 6 I I I8 26 5 6 ... Il 15 ... I 1)
J-I I I I
Total { I 1898 46 I I
I ~4 oso I 4I~ I I 57
I 18 593 57 I 39 196 I
I ... - ·-
1 1897 I I 16 408 I p. ... 139 547 313 79 139 ... 139 -N01'E.-The minus sign ( ) signifies the excess of expenditure over receipts, or a debit balance.
fl 102,025 I ]0,965 I 13,282 4,056
i 200 95'8
I 3'26 I 3 I I.O.O.F. ... . .. 9~,sox I 68,782
I IJ,I29 J,644 363
I 95'9 3 '47 . .. . ..
l, 94.5 39 sg,]6J 12,552 18,86] 2,989 36~ 96'4 3' 3 I ~ :1'
I U.A.O.D. { 1898 ]0,622.
I i +.968
I 91,152 II,313 4,150 99 94'4 2'90 4 ... ... ... 1897 ~8,68o 7x,68z 10,140 3,2o6 3,515 137 95'9
1896 8],244 70.404 I0,4JI z,6Jo 3.552 227 95'7 z·
I
{ 1898 2,299 ... I 1,69s . .. 158 446 73'7 2'24 5 I A.O.F., Ballarat ... ... ... 1897 2,413 440 I
1,294 . .. 247 432 71'9 1'25 1896 2,713 ...
I 1,912 ... 377 424 70'S 2'75
J S,zsx 4,366 2,597 z8o 736 2]2 87'8 4' ss 6 I A.O.l•'., nendigo 8,)48 I 5.174 2,701 183 :?.85 94' 3 4'87 ... ... ... l I s,756 4,910 2,]]1 472 275 93'1 4. 72
J 1898 5,090 1,6zo 3,205 137 128 ... 97" 5 2'58 7 A.O.F., Geelong and Western ... ... r897 5,184 1,814 2,771 316 283 . .. 94'5 3 '81 l 1896 5,216 1,715 J,269 137 95 ... i 98·2 3·S1
{ 1898 1,o8x 125 718 so So xo8 I
8z·6 2'90 8 I A. 0.1<'., Grenville .. ... . .. x897 r,IZ5 75 825 so 94 SI 84'4 1'25 1896 1,217 75 8+5 so 1]1 76 i 79'7 2'97
...,
{ 8g,034 17.94° I6,3o5 ... I 94'8 3'82 <:.0 9 A.O.F., Melbourne ... ... ... 8g,71 5 5 16.56o I6,p.8 9 94.5 3'88 --=! 8g,J98 I 7,25 I I4/iiO 4 95'7 4' 19
I A.O.ll'., Ovens and Murray ( J 898 6,466 z,86z 3,4II ... 193 ... 97'0 3'57 10 ... ... 1897 6,484 2,35 5 ],486 ... 640 3 90' I 3'35 1896 6,xs8 2,305 3,738 ... xos 10 98'1 3.17
t 1898 7.640 z,8x6 2,638 x,829 357 ... 95'3 2'52 11 I A.O.:F., Portland ... ... . .. 1897 7,687 2,205 1,879 570 5 92'5 2'92 x8g6 7,8xo 2,662 x,826 472 ... 94'0 z·89
{I 1898 3,102 <;18 6o Jl ... s·72 12 i A.O.F., Warrnambool ... ... . .. x897 2,948 x88 6o 57 ... • I 5'95 1896 2,967 229 6o 48 I . 3 6•82
i
{, 1898 s,6x3 4.979 ' +50 184 96'7 5'20 ... ... 13 I A.O.F., Court Unity ... ... ... 1897 5,868 4,541 1,219 ... ro8 . .. 98'1 4'98 1896 5,969 5,346 450 ... 173 ... 97'1 6· 50
I Jl 1898 1,498 1,39'~ ... ... 104 . .. I 93'0 14 I A.O.:J<'., Court Ararat 1897 1,441 1,215 52 174 ' 87'9 .. ... ... ll ... .. . I
1896 x,.p] 1,005 74 ... 348 ... I 7' ·6 I 3 jl )
1898 406 ... 20 ]52 27 7 91'6 15 i A.O.F., Court Amherst ... ... ... 1897 398 . .. 20 352 20 6 93'5 I 0'25 ll 1896 397 ... 40 352 :; . .. 98'7
TABLE IV.-INVEST!IlENTS.-:B'uwls, lnvestetl and Uninvested, the Proportion Investecl, n.nd the Hate of Interest roalizctt, in the Sick and I?uncrnl I<'uml of each Society and District for the Y car 1898, and of each Soeiety for the YenrB I 897 awl I 896-cont1:nued.
Amoutlt of Funds.
InYBs:ted. No. I Roddy an:l District. Year.
At cml of Year. I I I I Interest rcaiized.
ln Hnnksat Intere:-t.
.lt<JfJl:l
£ £ £ £ £ £
I j)el' cent. per cent..
{ 146,623 rco,846 zg,84r 9,440 6,J~4 162 95 ·6 4'09 16 I.O.R .... ... ... . .. ... 14z,s8r IOI ,422 24,932 6,j I 3 I 3 I
I
95'5 3'90 1381146 97,14I 24.,489 7·777 8I 94' 3 4'20
17 O.S.T.-I. llallarat and Sandhurst ... ... ... ... 4,110 r,g6; IOO I6J r64 92'0 3'97 n. Melhoume ... 8,075 I,+SI 20 " ... ... ... . ..
III. Victoria , .. ... ... ... ... . .. r6,9o7 3. )91 2,568 National ... ... ... . .. ... ... 4,68o 4,o8g 263 174
----- ---- -----
J r8g8 33:772 21,486 ;.ogS 2,083 •P7 92'6 3'76 17 Total of O.S.T .... ... 1897 32,259 J,S I~ r,8 9s gz·s 3'6-j. l 1896 3 I,895 s,s+s z,sos 2,497 go·+ 3'76
27,767
I I 7,)0~ 286 3,932 84'9 2'91
18 I H.A.C.B.S. ... . .. ... .. . il 1897 27,730 ),zgo ... 3,875 8+·8 3'36 27,14-l I 8,477 ) ~ 1 I 5 ... 3,286 ~6·9 3'66
4.473 I I,910 2ZJ 5I5 I 78.4- Z'OI
19 I O.St.A. ... . .. ... ... il !8~7 4-,593 I
I
I,o81 JOO 45I I
So· 1 1'94 1,939 I,74I 150 26o ss·s 2 39
I
1898 2,612 I,675
I
.j.G· ... 440 )2 8r · 9 4' 29 J
20 I O.St.A., s.c. ... ... ... . .. 11 1897 z,6sr 1,224 I ,)19 47 6I 95'9 .j.'25 1896 2,63+ 963 1,326 ... 297 48 86·g 4'63
I J,3.j.6 4,228 6,8 3 5 I, !2 5 I,I07 5I 91'3 J'OO
21 I G.U.O.l<'.G. ... ... ... il !897 IJ,o84 3,584 6,301 2,025 r,o58 II6 91'0 2'94 12,4)2 4,2o6 5.59I 1,475 1,o6g III go· 5 3. Ig
r8g8 16,oGo u,Sos I
z,I6 ... 1,526 ll7'0 2'93 22 I St.P.S., Melbourne ... ... ... 11 1897 1.),788 II,8z8 2,12 ... r,z6g ss.·~ 1·3s
r896 15,457 II,645 I z,oo ... I 1,I6I 88'3 2'68
<:o 00
1898 2,357 ... 1,873 ... s6 428 79' 5 3'42 23 St. P.S., Geelong and Western ... ·- l 1897 2,2.95 ... r,Sr 5 I .. . 54 426 79' I 7'93 .... 1896 2 1221 r,69 3 420 108 95'1 4-' 30 "' ...
I ...
"' "' . J 1898 15,961 to,z63 J,878 zoo 84-0 780 89'9 z•88
24: P.A.F.S, ... . .. . .. . .. 1897 rs,8o4 ro,69o J,OJ6 200 &so r,oz8 88·r 3'5° 1896 15,335 10,74-9 z,p6 200 1,053 1,oo7 86•6 3'19
1898 53.480 19,94-3 4,816 u,845
I 86•6 z•8o
25 I A.N.A. ... . .. - . .. ~I I8Q7 <; .;,QIQ 13,963 r,s8z ll,485 85'9 u,990 I 1,089 12,778 82'4- I 2
1898 2,041 g6o 517 I 475 89 ... 95'6 3'33 26 I G.S.R.S. ... . .. - . .. ~I 1897 2,04-2 1,990 25 I ... 27 ... g8'7 4'4-8
r8g6 20061 z,ozo 24- ... 17 ... 99' 2 5'97
1898 3.4-42 328 1,93 I ... 7°9 4-74 6;·6 1'38 27 I I.N.F •.•. -· ... ... ... ~I 1897 3,o71 203 1,261 125 971 )11 51 '7 1'32
1896 z,83o ... 1,36 I 125 773 571 52 '5 r·6o
1898 s,zrr z,838 z, 324- ... 49 ... 99'1
I 4' 17
28 I M.T.B.S. ... ... .. ·- ~I 18CJ7 5>2 34 z,8z6 z,4o8 ... .. . . .. Ioo•o 3'89 5,157 4,8oo ... ... 3S7 ... 93' 1 4' 32
3,156 704,757 247,14-8 107,469 67,528 93'5 Total ... ... . .. - ~I 18Q7 I 1,106.218 7 16.o87 :1..2I,72J 99o9°7 61,917 93'8
zii, sz6 92,749 66,ssz 93'3 ----- <:ZJ
~ [ Female Societies.
{I I I <:ZJ
1 I I.O.O.F. ... . .. ... 1898 . .. 1897
2 I A.O.F., Bendigo { 1898 175 ... 175 . .. ... IOO"O 2'52 ... ... ... 1897 144- 144 100'0 2'27 ... ... ... ...
3 I A.O.F., Warrnambool ... ... . .. . .. 1898 18 . .. 18 ... .. . ... 100"0
" I H.A.C.B.S. { 527 so 128 ... 34-I 8 33'8 1'15 ... ... ·- ... 340 so 53 ZJ7 JO'J 1'77 ... ...
5 A.O.F., Female Court Sherwood ... ... 1898 1' J ... IJ .. . ... ... IOO'O
·------ -----Total -f 1898 738 so 334 ... 34-6 8
I s~ ·o 1'47 ... ... ... ... 1897 485 so 238 5°"9 1"99 197 ... ...
TABLE V.-INVESTJIIENTS.-Funds, Invested and Uninvested, the Proportion Invested, and the Rate of Interest realized, in the Medical and Management Fund of each Society and District for the Year 1898, and of each Society for the Years I 897 and 1896.
Amount of Funds,
·-·" ·····~
I Invested. Uninvested. :No, Society and District. Year. Interest realized.
end of Year. Proportion
In Hulls and invested. On Mortgages a.nd In Bnnks other J!'reehold Cash not bearing
Debentures. at Interet~t. Propercy. Interest.
. -·- ·--- -------- ------ ------ -------!
£ I £ £ £ £ per cent. per cent~
1 M.U.I.O.O.F.--I. Bairnsdale ... ... . .. ... . .. .. . ... 115 ... 65 so 56·s . ..
II. Ballarat ... . .. ... ... ... .. . ... .. . 1,669 996 240 ... 433 74. I 3'75 III. Bendigo ... ... ... ... . .. . .. ... s,s6t 1,139 1,103 1,917 1,402 I 74'8 1'59 IV. Castlemaine ... ... ... . .. ... .. . . .. 5s6 17 98 . .. 471 19'6 0'65 V. Collingwood ... . .. ... ... ... ... .. . 453 170 J31 ... 152 66·4 2·86
VL Corio ... ... ... .. . ... ... ... 2p; lOO II 30 91 6o·8 2'00 VII. Hamilton ... ... . .. ... ... . .. . .. ... 156 . .. 133 ... 23 85'3 I '26
VIII. North Yarra ... ... ... ... ... . .. ... 204 107 .. . . .. 97 sz.·s IO' 53 IX. Ovens and Murray ... ... ... ... .. . .. . 481 159 27 IIO I8S 6I'5 z.·86 X. Port :Fairy ... ... ... . .. ... . .. ... 146 . .. 37 6o 49 66·4 6'97
XI. Port Phillip ... ... ... . .. .. .. . ... 211 I J 432 ss 966 657 68·9 2' 18 XII. St. Arnaucl ... . .. ... . .. ... . .. ... SI ... .. . .. . 81 . .. . ..
XIII. Sale . ~. . ... ... ... ... .. . . .. ... 2.24 7 ... I05 112. so·o 0'44 XIV. South Melbourne ... ... ... ... ... . .. ... 2.33 27 134 .. . 72. 69'1 2.'30
XV. Tal bot ... ... ... ... .. ... ... 184 ... . .. .. . 184 . .. . .. XVI. Warrnambool ... ... . .. "' . .. ... ... 90 ... 20 .. . 70 22'2 .. .
XVII. Wimmera ... ... ... . .. .. . ... ... 297 30 I3I . .. IJ6 54'2. 1'31 XVIII. Yarra Yarra ... ... ... .. . ... ... ... 223 ... ... .. . 223 . .. .. .
-· ------
{ 1898 IJ,048 3,184 2,123 3.25 3 4,488 65·6 2'13 1 Total of M.U.I.O.O.F .... ... ... 189; 12,549 3,388 I >9 5'9 3,oo8 4,194 66·6 3'30
1896 n,9o9 3,448 2,491 1,908 4,062 65·9 2'49
B G.U.O.O.F.-I. Ballarat ... ... .. . ... ... ... . .. ... 321 36 14 ... 27I •s·6 1'04
II. Bendigo ... ... ... ... ... .. . ... 142 ... 33 . .. 109 23'2 .. . III. Castlemaine ... ... ... ... .. . . .. ... 130 ... ... so So 38'5 .. . IV. Eastern ... ... ... ... . .. . .. .. . ... 44 3 9 . .. 32. 27'3 1'89 V. Gippsland ... ... ... . .. ... .. . ... 61 . .. ... ... 61 .. . . ..
VI. .Melbourne ... . .. ... ... .. . . .. ... 77 ... .. . .. . 77 ... Committee of Management Funds ... ... ... ... ... 272 ... 12.7 . .. I45 46'7 0 '37
------- ------{ 1898 1,047 39 183 so 775 z.6·o 0'48
B Total of G.U.O.O.F. ... ... .. ,. 1897 1,015 36 153 . .. 82.6 t8•6 0'10 1896 937 36 101 ... 8oo 14'6 o· 37
!-' 0 0
{ 1898 z,ro6 452 595 150 909 I
so·s 1'45
3 I I.O.O.It. ... ... ... . .. ... . .. 1897 r,613 338 569 159 547 66•1 1'48 1896 1,754 359 6rs 280 soo 71'5 I '77
{ r8g8 4,263 1,856 937 ... 1,470 6s·s I 2.12
4 I U.A.O.D. ... ... ... . " ... ... 1897 3,2go x,z.96 1,073 ... 921 72'0 I
3.14 1896 2,317 1,190 438 247 442 80'9 4'77
{ 1898 -438 I ... I 3 I ... -441
5 A.O.J!'., Ballarat 1897 -409 8 I -417 ... ... ... ... ... ... I
... 1896 -352 I ...
I IJ ... -395
i
f I8g8 I 52 202 20 70 140 Ioo·o S·oo
6 i A.O.:F., Bendigo ... .. .. . 1897 73 zo8 69 94 -198 100"0 2'88
l \
r8g6 135 g6 ISI 6r -173 roo·o I I I· 50
'
{ r898 171 ... I 45 I . .. u6 z6·3
7 i A.O.F., Gcelong and Western ... ·- .. ... 1897 r64 I
... I 46 I ... II8 28'0 l'IO
1896 199 ... I go I ... 109 45"2 0')3
{ 1898 99 ... ... . .. -gg
8 A.O.F., Grenville ... ... ... . . . .. 1897 -72 ... ... ... .. 72 .. . . .. ~
I8g6 -67 ... ... ... -67 ... .. . N
{ 1898 r,866 496 r6o &so I' 18
9 A.O.l<'., J\felbourne ... ... . .. ... ... r897 1,849 359 r6o 945 '9 I "43 1896 1,933 520 272 234 907 53'1 I •67
{ r898 381 IO 213 ... I 58 ss·5 o· 57
10 I A.O.F., Ovens and Murray ... ... . .. .. . 1897 326 IO II8 ... 198 I 39'3 0 '95 1896 J06 IO 139 ... I 57 48'7 1'05
i
r r8g8 120 ... 68 ... sz. 56'7
11 A.O.F., Portland r897 ' 52 85 38·o ... ... . .. . .. ... 137 ...
I .. .
l 1896 r6s ... 6o ... ros 36'4
{ 1898 I 35 lOO I Ij ... r8 86·7 4'62
12 A.O.F., Warrnambool ... . .. ... ... 1897 125 lOO ... ... 25 So·o 7 "14 r896 127 ... ... lOO 7.7 78'7 2'40
{ r8g8 9 ... ... ... 9
13 A.O.l<'., Court Unity ... ... ... . .. ... r897 :~.6 ... ... .. . z6 1896 35 ... ... .. . 35
f 1898 16 ... ... ... r6
1':1: i A.O.F., Court Ararat ... ... ... . .. 1 1897 I3 ... ... ... I3 1896 17 ... ... . .. 17
NOTE.-The minus sign (-)signifies 1\ debit balance.
T ABL 1" V.-INVESTliiENTS.-l<'unds, Invested and Uninvested, the Proportion Invested, and the Rate of Interest realized, in the Medical and Management Fund of each and District for the Year I 898, and of each Society for the Years I 897 and 1 896-continued.
----------
I Amount of li'unds.
Invested, Uninvestca.
Xn. Society nnd District. Year. Interest realized, At end of Yenr.
i I
--- ~~ ~-- ~-----------
£
{ x8g8 6 1o A.O.F., Court Amherst ... . .. ... .. . 1897 - 6
J8g6 ...
{ J8g8 z,814 16 I.O.R. ... . .. . .. ... . .. . .. 1897 2,571
J8g6 z,611
17 O.S.T.-1. Ballarat and Sandhurst ... ... ... ... ... . .. - 79
I.(. Melbourne ... . .. ... ... ... . .. . .. 170 m. Victoria ••. ... ... ... ... . .. . .. . .. 436
National ... ... ... ... . .. . .. . .. ... - J20
{ 1898 207
17 Total of O.S.T. ... ... .. . 1897 264 J8g6 x68
{ 1898 1,209
18 H.A.C.B.S .... ... ... .. . ... .. . 1897 1,298 l896 1,37 I
{ 1898 -279
19 O.St.A. ... ... . .. . .. ... .. . 1897 -281 I896 -190
f 1898 386
20 O.St.A., S.C. ... ... .. . ... ... 1897 368 1896 418
{ 1898 291
2l G.U.O.F.G .... ... ... . .. ... ... 1897 :Z.03 1896 :no
On In Banks at Intcre~t.
£ £ £ ... ... . .. ... ... .. . ... ... . .. 6o8 r,o46 34 585 5°3 575 549 604 537
... 54 ... 37 49 ...
... 2 75 ... ... ... ...
--- ---
37 378 ... 27 :Z.33 197
... 162 200
zss 334 ... 430 596 .. . 485 3 51 ...
... ... 16o
... . .. ...
... I ...
... p6 ...
... 338 . ..
... 321 ... 30 97 20 70 62 ...
lOO 44 20
Cnsh not bearing lntcrest.
£ -6 ~ 6
...
1,126 go8 921
- 133 84
r6r - J20
------
-208 -193 - 194
617 :Z.f2
535
-439 -281
191
70 30 97
144 71 56
Proportlc illYL'StC(
per cent. .. . ... . .. 6o·o 64'7 64'7
. .. 50'6 63'1 .. .
-----
100'0 loo·o IOO'O
49'0 79'0 61·0
.. . ...
... 81·9 91·8 76'8
5°' 5 6s·c 74' 5
n
per cent.
2'45 2'62
3'3g
I. 45 0'25
1'28 I· ss 2'94
:1'55 0'75 I' I 7
1·85 2'29 2'51
o'8I C'95 2'29
~ 0 ~
f' t8g8 8,474 ... . .. I xo,ooo -1,520 100'0 22 I St.P.S., Melbourne ... ... ,.. ... .. . 1897 8,7JI ... ... zo,ooo - 1,269 xoo·o o· 52 ... l
1896 8,839 ... . .. 10,000 - 1,161 xoo·o 0'36
{ t8g8 72 ... . .. soo -428 Ioo·o 23 I St.P.S., Geelong and Western ... . .. ... ... Ll 1897 74 ... ... )00 426 100'0
1896 159 ... .. . 159
... { I898 -622 ... ... ... 6zz 24 I P.A .. F.S. ... ... ... .. . ... 1897 - s51 104 .. . 955
18g6 -838 ... 102 . .. 940
J 1898 5,226 6So 1.124 no z,6sz 49'1 0'99 25 I A.X.A. ... . .. ... .. . 1897 4,271 1,246 793 ... 2~232 47 '7 1 · 61 ... t
t8g6 3,6gg 1,232 8g6 ... I ~57 1 57'5 2'38
[ r8g8 274 200 74 t 73 ·o 3 ·r8 ... ... 26 I G.S.H.S. ... ... ... .. . ... "'1 1897 293 270 ... .. . • 2) 92' 2
18g6 361 2 75 45 ... 41 88·6
... { 1898 456 ... ... . .. -+56 27 I I.N.F. ... ... ... ... ... .. . 1897 -51 I ... .. . ... - 5II
18g6 -571 ... . .. .. . - 571
... f t8gS 437 ... i 281 ... I; 6 64' 3 28 I :\LT.B.S. ... ... ... .. . ... 1897 zgz ... g8 ... 194 33'6
t 1896 139 ... ... 139 . ..
... { 1898 40,804 8,o16 8,276 1),167 9.345 Total ... . .. ... ... . .. 1897 8,z8g 14,693
t8g6 8,300 13,587 2' IX
--- ------- -----·-Female Societies.
I.O.O.F. ... { 1898 57 ... 2"
I ... 32 43 ·g 1 ) ... ... ... ... ... . ..
1897 40 40 ... ... I
...
2 A.O.F., Bendigo f t8g8 12 12 ... ... .. . ... .•. t 1897 13 l3 100"0 ...
3 A.O.E., Warrnambool ... ... ... ... .. . r8g8 IS IS . .. ... Joo·o
4 H.A.C.B.S .... r r8g8 97 11 41 41 53' u ... . .. ... ... t !897 86 19 67 22" I ... ...
5 J\.\ l. F., :Female Court 8herwood ... ... ... 1898 rs IS ... roo·o
------Total "~:;!~ 196 li g6 ... 89 54'6 o·6o ... ... ... ...
139 32 IOJ ... . .. 23'0
.XoTg,-The 1n1nns sign (-) signiHes a d(-'bit lla]auce.
TABLE Vf.-ExrEmENCE.-Rates of Sickness, Mortality, Departures, and Exclusions in each Society and District for the Year I 898, and in each Society for the Years I 897 and I 896.
No.
1 I.
II. III. IV.
V. VI.
VII ..
VIII. I IX. X.
XI. XII.
Xll!. XIV. XV.
XVI. XVII.
XVIII.
1
2 I.
II. JII. IV. V.
VI.
2 I
Society and District.
~LU.I.O.O.F.Bairnsdale Ballarat .. . Bemligo .. . Castlemaine ~ollingwood Cono .. . Hamilton .. . North Yarra ... Ovens and. Murray Port Fairy Port l>billip 1it. Arnaud. Sale ... ~outh ~elbourne ... Talbot ... "' nrrnambool 'Yimmera Yarra Yarra
Total of M.U.I.O.O.F. {
G.U.O.O.F.Ballarat ... Bendigo ... Castlemaine .Eastern ... Gippsland M.elbourne
Total of G.U.O.O.F. {I
Year.
I898 IS97 1S96
I89S IS97 1S96
I Departures* by i Exclusions t by i Arrears, Resignation, !I Arrears Resignation.
Expulsion, and and Expulsion. Ulearance.
Mortality. Sickness.
--. 1---·-. ---·-
Members ~ick. Duration. Sick Pay. Members. '\"'"iYes.
~ ~ ,.: ,.: ~ ~ ~ -~ :g ~ ~ .8 ~ :g s g
00 z ""
"' > :g ~ e: § e ~ ~ ~ ~ ~ ~ ~00 0 i ~ ~. ~ :;:: ~ ~ ~00 0 ooo ~00 ~ ~,n 1 o m " I g,_. '"" I .!I: Q.ll-< .!I: :i;,_:; Q) 8r-. Or-. '"". 0'-< Or-. 0 I g·- I 0 g,_
<J.) vQ.l a.J i 0 ~Q.l 0 !t::a.l a.J QQ.l gQ.l illoo Qa.J 8a.J o I <ll 0 oo s :-s a , ~ ~ s ~ ~ s ~ :-a ~E "2 ~ :a :~a :~ :~s =- :s ;:::! Q,) <J.) ;:::! 0 ill <J.) Q,) Q,) Q,) Q,) <J.) Q) Q) Q) ;:::! Q) Q) C) Q) Q) Q) Q Q) Q) il) Q)
__ , __ z __ l__:_:::__ _ ____: ___ :--~-- __ .,.._::::: __ ---""--- __ .,.._:::=:__! __ : __ - .,..::;: I_.,..:;::: _:_:____ .,..:;::: - o..:::=: __ "" __ I__:.:_--""---"":::::
I wks. uys. wks. dys. £ s. d. £ s. d. £ s. d.
SI 223'8 529 I 6 3 I 3 5 15 + I I 5 IO 0 17 s 2'26 2'76 5 11'31 IJ'SI 140'27! 171'27 106'33 129'S3 495 33I'I 4.3S4 i s 5 3 0 6 12 0 I 2 3 9 0 I4 11 15'36 17'39 I5 8·86 10'03 59'66 67'56 so·So 57'53 SI4 254·S 7.045 S 4 2 I 6 9 0 I 12 10 0 14 II I0'58 11'90 19 5'29 5'95 65·74- 73'S7 56'82 63•S5 392 274-'I 3,532 9 0 2 2 6 17 3 I I7 8 0 15 3 15'7+ 17'4-S 7 4'4I 4'90 57'93 64'3+ 39'73 44'06 324 270'9 +,2II I3 0 3 3 9 7 9 2 10 IO 0 14 6 I3'20 I4-'2I I2 9'32 I0'03 46'58 50'17 38'04 40'97 113 2S3·9 I,4-o5 12 3 3 3 9 5 o 2 12 6 o 14 11 26·oo 27'64 5 11·82 12·56 21'28 22'6I 14'18 15'08 106 214-'0 672 6 2 I 5 5 4 0 I 9 8 0 16 5 9'4-I I0'75 ... ... ... 68'24 77'96 56'47 64•52 15I 275'0 I,919 I2 4 3 3 8 18 7 2 9 1 1 o I4 I +'91 5'+6 2 3'27 3'6+ 54'0I 6o·11 37'6+ 4''90 382 298'0 2,I 9 I 5 4 I 4 4 16 8 I 8 9 0 I6 10 7'37 8•58 6 4'02 4·68 71'05 82•68 54-'29 63•18 97 J+0'4- 995 IO 2 3 3 7 6 5 2 9 IO 0 I4 3 3'22 3'5I I 3'2I 3'51 32'15 35'09 9'65 10'53
al 1,065 241'4 11,087 IO 2 2 3 7 15 7 I 17 7 j 0 14- 11 I2'44- IJ'83 35 7'14- 7'93 67'09 74'.\9 49'14 54'64 I07 270'2 544 5 I I 2 4 9 4- I 4- 2 ! 0 I7 7 I0'78 12'63 3 6·4-7 7'58 96•98 113'64- 79'74- 93'43 126 397'5 4-68 3 4 I 3 3 13 o 1 9 o o I9 8 9'90 I2'62 6 I4'86 18'93 I68'32 214-'51 126·24- r6o·88 31-5 24-7'3 3,687 10 + 2 4 7 Io 2 I I7 2 o 14 I 11·8o 13·62 12 7'45 8·6o 85'7I 98'92 67·o8 77'42 136 JI0'5 I,427 IO 3 3 2 7 17 6 2 8 11
1
o 15 o 27'43 29·68 8 16·88 I8·26 90'72 9S'17 7' '731 77'63 97 25o·o 1,279 I3 I 3 2 8 12 5 2 3 I o I3 I 2·32 2·6o 5 11·63
1 Iz·86 37'21 41·24- 27·91 30·93
I65 239'I I,248 7 3 I 5 61
3 8 I 9 7 0 16 4 I5'8o I8'84- 7 8')I, 10'14- 128•So 153'62 106'93 127'54
-'~~~--I·:~ _s __ 5_ --2--~ 1_:_:_:_3_J_I_~_3_1~~_4:_ ___6'49 _ ~ ____ 5~~~~~ ~-~~ ~~~-~~ 5,1S4 267'I 48,278 9 2 2 3 6 I9 5 I I7 3 I o I5 o u·S3 I3'34 I53 6·99 7·8S 71·o6 8o·16 55'35 1 62'44 4,260 229'3 45,123 10 4 2 3 7 13 11 I 15 + 0 14 6 11'21 I2'70 IO) 4-'99 5'65 62'6I 77"71 55'21 I 62'54 4,o5o 225·6 45,Io3 II 1 2 3 7 1S 5 I I5 9 j o 14 3 I2'6o 14-·26 114 5·61 6'35 1 79·os 8g·so 65·2o 73'79
I I ' I33 269·S 1,2S3 9 4 2 4 5 19 5 1 12 3 I o 12 5 21'47 24'34 I I'79 2'03 55'46 62·88 44'72 50'71 S4 304-'3 9S8 11 5 3 3 7 o I 2 2 9 i o 11 II 30'67 36·23 2 6'I3, 7'25 23o·o6 27I'74 226·99 268'12 S6 396'3 S94 IO 2 4 I 5 I5 7 2 5 10 I 0 11 2 25'21 27'65 I 4'20 ~ +'61 8+'03 92'17 75'63 82'95
103 224'4 703 6 5 I 3 5 17 6 I 6 5 0 17 3 I'70 2'IS ... ... I ... 124'15 I 159'04- 113'95 '45'97 6I 409'4 542 s 5 3 4 5 s 2 2 4 4 0 I2 2 I0'36 I3'42 ... ... ... 129'54 167'78 113'99 '47'65
2SS 258·1 2,S37 9 5 2 3 5 I3 5 I 9 3 o 11 6 I9'43 22·4o S 6·22 7''7 66·os 76·16 61·38 70'79
s ._, :;::: "' lG
~ ---;8~ --7.~;;-- 9 4 2 4 ~~~--;-;~-;-;;- --;;-;~-3- --;;;-- 20'66- -;-; ~~ 4'43 96'S4-~~ ~~ -105'17 680 245'7 7,347 IO 5 2 4- 6 S 2 1 I 11 6 0 Il 11 16'01 IS'79 14- 4'3I 5'06 90'24 105'S5 77'61 91'04 693 24I'3 8,oo6 [ II 3 2 5 6 I7 o (, I3 I o 11 10 I6'76 19·85 15 4'41 5'22 I24-'38 I 14-7·2S 115·26 136·49
~
0 ~
3
4
5
6
'1
8
9
10
11
12
13
14
I.O.O.F.
U.A.O.D.
A.O.F., Ballarat
A.O.F., Bendigo
A.O.F.,Geelong and Western
A.O.F., Grenville
A.O.F., Melbourne
A.O.F., Ovens and Murray
A.O.F., Portland
A.O.F., Warrnambool ..•
A.O.F., Court Unity ..•
A.O.F., Court Ararat ...
{ { {i { { (
1 { { { { {
{
1SgS 1897 1Sg6
1S9S 1897 1Sg6
1SgS IS97 1896
1SgS IS97 JSg6
ISgS IS97 1Sg6
1Sg8 IS97 ISg6
ISgS IS97 1896
1Sg8 IS97 1Sg6
1SgS IS97
,ISg6
1S9S IS97 1Sg6
ISgS IS97 1S96
I8g8 ISg7 ISg6
I,405 I,I60 I,132
I,6so I,324 I,294
ss 71 S2
224 2I4 225
So 6s 6o
IS 27 20
I,934 I,766 1,673
I r 8 7S 8+
97 74
IOI
39 3I 29
s6 51 47
4 9 s
264'3 225'3 22I'5
2J2'3 2os·s 210'I
294'4 3IS'4 3307
320'0 2SI'9 27S·S
272'I 220'3 20I'3
257 'I 36o·o 256'4
247'4 229'4 220'5
330'5 230'I 274'5
267·9 201 •6 259'6
336'2 265·o 263"6
+66·7 42I'5 370'I
I29'0 290'3 250'0
9·995 g,643 9,527
I2,S04 II,059 I0,9S4
1,071
I,36I I,530
3,362 3,11S 3,302
So2 766 737
ISI 307 222
2I,9s5 21,555 2I,205
9I4 66o 6g+
I,J+s I,397 1,532
45 2
595 499
I,302 I,og6
SS2
6g S3
I6o
7 s s
7 s 8
IS I9 IS
IS I4 I4
IO ll I2
IO 11 ll
11 I2 I2
7 8 s
I3 IS IS
Il
Ig I7
23 2I --IS
I7 9
20
• "Departures" signifies members who ha Ye left for all causes except Death.
2
2
5 2
I
4
0
3 4
0
5 2
0
2
I
2
I
4
5 3 2
5 5
4
2
J
4
2 I 0
5 6 6
4 4 4
2
2
2
2
4 2
2
2
2
2
2
2
3 3 4
3 5 4
11 9
2 2 5
5 5 5
5 4 5
5
4 4 3
4
5 5 5
0
2
4 5 0
0
0
I 4 0
5 5 4 I I 5 I6 6
7 IO 0 I4 IO 6 3 0 I4 0
6 6 0 I4 2 5 Ig 6
5 IO 0
5 I6 5 5 I7 4
5 0 0
5 IS 7 5 Ig 0
7 I6 6 I 7 S IO . 7 5
5 I6 6 7 4 7
0 7 11
7 0 II
I4 2
0 I3 11
0 I3 s 6
9 6 I7 9 I9 5
0 5 0 6 2
0 6
2 IO I 'I 0 IO 2 I [ [ I 0 10
2 0 ' I 0 9 II
I 11 9 I 11 I I
I IO
s 3
0 12 4
0 11
0 I2
1 4 I4 6 I 4 4 IS 2
0 9 0 9 0 IO
5 4 I
5 5 I I
5 J2 0
6 IO 6 I7 0
7 3 4
5 7 IO 4 s 6 5 9 4
6 6 2
7 I6 0
6 I4
4 IS 5
s 9
I I2 3 0 II II 5 0 ll ll 7 0 I I
6 2
4
IS s 0
0 4 0
I IO 0 0
I3 11
10 5 I3 3
I 13 IO !I 0 9 ll 5 0 s I4 I I I 0 s ll
I I2 9 9 0 2 IO I 7 IO 4 I Ig S
0 s 4 0 9 ll 0 8 9
0 0 0 IO 0 ll 0 I u u u
. 0 IO 0
1I2 I 6 5 12 S
Ill I7 2 5
a h tn
9 IO 0 I 4 6 0 II 0 6 II I I I8 I 0 I4 3 s 5 0 2 J 3 1 o s 3
9'3S II'IO 9'45
s ·6S 8 '57 S·63
59'41 52'S6 3I'25
34'2I 30'gS 36'77
I9'48 I9'1 I 22"2.2
54'05 37'97 I2'05
IS'6I I3'07 I4'39
5 'I3
I775
I2'72 12'46 29'05
S·2o
47'24 IS'04 '5'04 49'30
32 '26 6z·so 3I'25
II 'IO I3 '2I ll'l5
I0'2S 9'95 9'94
6o'9I 53" SI 32'25
37'I4 32'94 3S'4I
20'4I 20'34 23"49
57'14 40'00 I2'S2
1I7'27 I4'55 I6'21
s·6o
I9'6I
13'SI I3 '62 30'SS
9'09
50'00 I6'53 I0'53 55'I2
32 '26 64'52 3I' 25
I I
42 36 43
6•68 5 ·S7 7'00
7'92 94'I3I 6·gg 9273 s·4I 118·5s
Ill' 3S 110'33 I42'44
49 34 33
5 '83 4'56 4'67
6·9o IOI'2I lll9'S4 5'2S 91'66 I06'3I 5'38 I627S I IS7'49
5 4 4
ll s
ll
5 4 3
2
I
70 62 49
2
2475 I7'62 IS ·62
25'38 I7'92 I6 'I3
2970 I I05'73
54'69 I .
I4'47 I5'7I I so·oo I
9'9I Io' 54 I46·z2 I I3'05 I3'63 90'I5
I6'23 I7'0I 5I'95. I274 13'56 50'961. 9'52 I0'07 57'I4
27·03 28'56 12'66 I3'33 I2'05 I279
s·o9 s·gs 7·24 S·o5 573 6·46
2·56 z·So 5'3 2 5'90 2'95 3'27
... I so·63 I 36'I41
77'56 S4'87 97'6S
48'72 26·6o 35 ·so :
6 15'27 I6'57 7 I7'45 Ig·os 5 I2'll I2'Ss
I 78 ·ss . 24'94 67'S0 I
S'I3 8·62 s·o6 s·ssl
2 I·I6'39 I8'I8 I
Sl'30 56'45 65 '57
8'26: 7'5 2 I J 7'52 ! 2 I4 ·os I • , 1 ,
30'08 '25 +~
. .. ... . .. 32' 26 ... ... ... 3 93'75 93'7
30'46 I07'62 56'46
54'28 I55'47 94'IS
54'42 54'2 4 60'40
53 '33 3S'46
S5'S3 94'44
110'05
53 '22
29'50 39'2I
S5'64 27"25 71 ·gs
S6'2I 59'S3 72'73
33'06 47'24
32'26
t ''Exclusions" signifies members who have eft for all causes except Clearance and Death.
72 'Ig n·o6
I04'4I
s 5 '39 70'89
I20'49
29'70 g6·g2 54'69
44'74 I4374 60'49
5I'95 47'77 57'I4
50'63 36'I4
57'57 66'3I ss '52
43 '59 26·6o 35 ·;o
76'34 22'44 65'38
73 'I7 J2'26 65 '57
3o·oS 42'25
J2'26
SS'42 9I'6g
I25'42
IOI'JI S2'22
13S7S
30'46 gS·66 56'46
4S'57 I52'S3 63'20
54'42 5o·Ss 60'40
53'33 3S'46
6370 73'79 g6·3s
47'62 29'50 39'2I
S2'87 24'52 6g'4I
77'59 34'IS 72'73
33'06 47'24
32'26
...... 0 ~
No.
15
16
17 1.
IT. TII.
17
18
19
20
21
TABLE VI.-ExPERIENCE.-Rates of Sickness, Mortality, Departures, and
Society and District Year.
~ .0
a " "'
I
Sickness~
Dnration.
I ~
~ "' ~
"' ·~ ~ti F<"' ,.E "'" "")';!
~ 5 ~ -a :,; ... " "'
in each Society awl District for the Year 1 89 8, and in each Society for the
Sick Pay.
'" s ". ~~ w.o .. s "" ~~
Mortality.
~ ;:: .. ~
~ ~ )';! 0 0
~ ,.. ::;
1:! :g ,§ i<l
wk,, dys. I wks. dys. I £ s. d. I £ s. d. I £ ·'·
A.O.F., Court Amherst
I.O.R.
O.S.T.-B>tllarat and Sandhurst Melbourne Victoria ...
Total of O.H.T.
H.A.C.B.S
O.St.A.
O.St.A., S.C ....
G.U.O.F.G.
{ J l
{ {
{
{
{
I8g8
'r897 1896
1898
1897 1896
r8g8 I897 I896
1898 I897 1896
3 3 4
Sz z86 I75
543 432 449
1,091
95 87
II4
so 48 56
284-247 199
I87'5 rso·o 173'9
246'2 22J'6 209"7
219'7 267'0
28J'2
267'3
229'5 I86·7 Z24'4
zn·s 2+4'9 259'5
234'5 216'9 192 '3
I4 2J 61
4 7
IS
8 9
15,732 9
938 ! I I
2,477 8
5 4 2
2
2
4 4 1,354 7
---1 4,769
962 I,OIJ
1,279
8
10
IO
IO
I9 21 22
6 6 8
5 2
5 2
2
5 2
0
I
2
2
2
2
2
2
2
2
2
2
2
2
I
2
5 5 6
6
4
0
0
4-2
I
2
0
0
0
3 5 2
2
I
0
3 3 4-
4 I3 4 0
7
4 0
0
6 8 0 6 IO 2 6 I4 7
6 5 5 4 IO 8 4 r6 6
4- 17 9 4 r8 8
7
0 0
IJ I
14- 9
i 4- I7 4 I
4 IS
7 17 7 7 10 0
3
4- r8 5 5 6 3
9 3 3
0 I7 0 12
6 0
0 0 10 0 9
I 11 6 i 0 I4 9 •loq 8 1 0 14
I IO I I 'o IO
9 4- 6
7 2
6 9 !1
2
0 IS 2
4
I 0 10
0 10
0 IO
0 12 0 I3 0 IJ
0 9 0
o 7 Io 0 9 2
2 3 10 0 8 I I6 9 o 7 2 IZ 8 ! 0 8 11
2
2 IO
3 8
o I6 o 0 I5 4-0 14 ro
Io·ro II'34 9'06
26'32 2 I '53 3- '21 J
15'38 JJ'02 34-78
9'90 8'4-6 6'83
28 '99 2J'6I
39'37
16'67 35'71 37'04
I2 '39 10'54-
8'70
13 9 6
5'13 4'72
s·5s 6'34 4'55
... 277'78 so·oo I73'91
... . ..
o·6o · 88·89 I'll I 93'44 r·zs 1 II5'42
s ·s, 3'73
2'95 2'04
r ·s;;
8'45 8'I4
7'25 I 0 '73 II ·8r
5'56 5'IO
14-4-'74 I
)6'4-I
ro·74! 164·36 : 108'53
5 ! r86'79
312"50
200'00
IOJ '76 IOg'20
134·o1
I59'42 I 30'90 I 57 '48
61·II 76'53 74'07
zo 5 ·6z IJ5 '20 237'68
277'78 . 3I2'$0 I73'9I i 200'00
w6·ss 104'62
I44'74
IJJ
56'4-I
137'4-3 143 '79
53 '4-0
I 59 '42 I J0'90 14-9 ·61
61 'II
76'53 69'44
I90'75 r I6'77 22I .24
,._ 0 ~
22
23
24:
25
26
27
28
1
2 3 4: 5
St.l'.S,, !\1clbourue
St. I' S., (;peJong and '\V estern
P.A.F.S.
A.X.A.
G.S.lLH.
l.N.:F.
:M.T.B.S.
f l I
{ ( l J l
{ f l
{
1898 lg97 I8g6
1898 I897 1896
1898 I897
II6 96
ro8
48 32 29
1J4 I97 194
1896 I r,504
I 898 27
I 8 97 3 3 1896 2 5
95 6'8 64
353 31+ JC7
1 256 "1
211'9 22) '9
208'7 I..," •..,
.) .) j
I38 ·s
219'5 210"0
210'4
222 "5 20J'I
196·6
z S2"3 300~0
21 5"5
222'0
I 63'S I )9'2
493'7 460'4 444'3
I,145 943
I,0$2
533 554 354
1,741 I,Soo I,J34
7,14I
324 402
3S9
394
I,644 I,J49 I,270
9 9 9
II
'7 lZ
8 9 9
4 4 4
12 I :I.
14
5 7 6
4 4 4
5 5 4
I
2
I
0
4 4
0
I
2
2
2
I
5 2
2
2
2
2
2
2
3 3 3
2
2
0
2
2
4
0
0
0
4
0
2
0
6 I 9 7 0 9 6 I6 IO
IO IO 4
(, 8
3 6 IS 7
5
4 5 0
+ 2 2 4 6 6
6 8 ll 7 9 7 8 8 IO
4 4 IO 6 JO 0
17 IO
4 7 9 4 0 IO
19 IO
I JI 2
9 IO X IO 11
7 0 17 I o
0 12 4 0 I4 4
0 14
0 9 11 0 I I 10
o IO 6
1. 9 0 12
4 II 0 Ij 0
2 I 0 11 9
o Jl\ 11 o IS 6 0168 01711 0 17 0 0 IS
I I 2 6 0 10 9 + lJ 0 12 3
r6 ' o 11
0 Ig 10
I I 3 0 IS 9
0 I) 1 I
0 17 9 0 19 2
2 3 4 0 IS 10 17 2 IS IO 1) 6 0 16 6
14'23 1 9'49 19'82
I 'j4 1 •56 I '04
15'45 22'07 2J'OI
q·o+ 16'67 14-'35
3 5
2
6·1o · 6·6z · 4o·65 r
974 11'04 I 79'!)2 9'01 10'46 IIJ'jl
61.73 · '75 '70
II'J6 IJ'33 9 I "62 I 5 '99 9 !)'12 10'8( 6 I
s·o; 5 ·1o 5 •zS
3+'78 17'40
I 7"21
7'0I 3 ·ss
5'24 6·;6 2 '73
6·+8 6')7 6'93
zs ·7o 9'62 4'97
5 '59
42 26
'' o-
3 '48 2 '41 3 'I 9 ~
2 i 17'39 18'69 j2'I7 7. 1 I7'40 IS'IS
1
z6·og
4'70 8'7tJ I '92
S·6z 58·8z
7'01 27/'00 I:Z'OI 2Ii'I6
2'48 I 24~·38
3 3 4'20 . 8 II
8 10'93 Il
---·,·----- -·-- ----·--
Tot,al
Female Societies.
J.O.O.F.
A.O . .F., Bendigo
A.O.P., Warrnambool
1LA.C.B.::i ....
.LOY., Female Court Sh~e~wowl
Total
J l
{
{
I 8,693 2 55.5 225'9 221 ·x
431'4 )2I '7
I6o,6II I49.438 I48,304
I46 88
324 I64
6 7
6 8
4 3 5
4 2
2
4
2
2
2
2
0
4
--·-- -- ---1----~--1-----
1!)8'9 2)0'0
470 252
6 8
2
2 0
* "Departures'' sigulfics members who buse left for all causes except Dcnth.
~ rS I o 6 2
6 I I
1 10 8 9 9 0
0 13 10
13 5 0 IJ 3
10'82 IO ') /
11 '14-
12 '71
12 '41 I J '10
481 396 J88
s·6o
-----·-----· "---··- '----,--- ---
2 r6 4 I 4 4 q 4 I I8
0 5 0 10 3 0 0 II 4
2 19
5
0 8 6 0 10 0
0 9 6 0 7 0
)2'63
3'74 16'74
86·g6 !
6·67 39'60
-·~-·· -,--- --1---;·oS 5'45 ''
o 2l ·66 • 48 ·39 I !
5 'fl
44' 1 5 90'51
I 2') '7 I
6s·zz I 62 ·so
9'57
)6'07 27'27 6o'34
4I 3 ·ss 298 ·os JI0'9)
88 'I I
40'65 77'97
roo·go
6r '73 75 ·;o
;8'97 8)'38
102 ·zo
IC0'99
I 30"02
127'81
ss
234'62
82 '57 1
I
44'I5 88'30
117'15
6 5 ·22 I62'50
9'57
94'36 100'21
121 '48
s6·o7
126'10 r69 '32
24o·oo i :;sz '94 526·42 1 &69 ·56
14I 76 '68 393 ·so
J-L 0 -:t
TABLE VIL-SICKNESS IN HALF-YEARLY PERIODS : Duration and Cost under the Highest Rate of Sick Pay per week of the First Half-year, the Reduced Rates of the Seeond Half-year, and of that continued beyond One Year in each Society and District for the Year I !!98, and in each Society for the Years I 897 and I 896.
First Half-year. Second Half-ylllLr. Beyond One Year. I Total Cases, Duration, and Cost. Ratio of No. Society and District. Year. 1- 1-- ~~--- --:------- -----~ each Period to
Period. Cost. Cases. Period. Cost. Cases. Period. Cost. Cases. Period. Cost. •rota!. Cases. ,o, '1.0. 30·
1- ·- ----------per cent. 1 M.U.I.O.O.F. weeks. £ weeks. £ weeks. £ weeks. £ 1". 20, 39, I. Bairnsdalc ... . .. ... 77 400 399 I I7 n 3 II2. s6 81 529 467 76 3 2.[ JI. Ballarat ... ... ... ... 438 2,023 2,023 29 352 225 51 2,oog r,o19 518 4,384 3,2.67 47 8 45 Ill. Bcndigo ... ... ... ... 729 3,323 3,320 47 550 J66 ss 3,172 1,563 861 7.045 5,249 47 8 45 IV. Castlemaine ... . .. . .. 357 I,826 I,826 I6 200 134 4I 1,5o6 73° 414 3·532. 2.,6go 52 6 42 V. Collingwood ... ... . .. 2.7I 1,692 I,6gz 42. 536 357 48 1,983 992 36I 4,21I 3,041 40 I3 47 VI. Corio ... ... . .. 93 6J2 6p Il I 55
I
104 18 618 3°9 122 I,4o5 I,045 45 11 44 VII. Hamilton ... ... ... ... I02 427 427 2 17 10 5 228 I 14 109 672 551 64 2 34 Vlii. North Yarra ... ... IIO 709 709 I7 204 I36 26 I,oo6 5°3 153 1,919 I,348 37 II 52 IX. Oven~ and Murray 367 1,504 I,478 9 . I42 94 16 H5 272 392 2,191 1,844 69 6 25
... ... X. Port Fairy ... ... ... ss 402 40I 6 72 48 12 521 z6I I03 995 7IO 41 7 52 XI. Port Phillip ... ... . .. 914 5,16 I s. 161 81 1,049 6g8 130 4,877 2,426 1,125 I r,o87 8,285 47 9 44 XII. St. Arnaud ... ... . .. lOO 407 4°7 6 IS 12 6 119 59 II2 544 478 75 3 22 XIII. Sltle ... ... . .. 125 446 447 4 16 IO I 6 3 I 30 468 I 460 95 4 I XIV. South Melbourne ••• ... ... 297 1,4I I 1,411 21 288 192 46 I,g88 987 J64 J,687 z,s 9o 38 8 54 XV. Tal bot ... ... ... II6 666 66 5 10 I I49 100 19 612 306 I45 I,427 ! 107I 47 10 43 VI. Warrnambool ... ... ... So 454 454 7 go 6o 17 735 J22 I04 1,279 836 36 7 57 XVII. Wimmera ... ... ... 158 724 724 li 228 rp 11 296 144 r8o 1,248 1,020 ss 18 24 XVIII. Yarra Yarra ... ... . .. 171 685 68s 6 107 71 20 863 431 197 1,65s I 1I87 41 7 52
--~---
i { 1898 4.590 2.2.,892 2.2,86! 326 4,190 2,781 555 21 ,I96 10,497 5.471 48,278 36,I39 47 9 44 1 Total of the M.U.I.O.O.F. I 1897 3,685 19,328 19,3I9 29I 3.775 2,505 s6o 22.,020 10,955 4.s36 4S,123 32,779 43 8 49 ' 1896 3.470 I8,I68 18,158 335 4,68o 3,102. 6!3 22,255 1o,8r2 4,4I8 45,I03 J2,072 40 Io so 2 G.U.O.O.l!'. I. Ballarat ... ... ... ... II7 603 6o3 5 so 39 r6 6p 152 138 I ,28 3 794 47 4 49 II. Bendigo ... ... ... ... 66 4I3 386 I7 234 II9 I7 341 ss 100 988 590 42 24 34 liT. Castlemaine ... ... ... 75 405 362 8 223 78 6 z66 57 89 8g+ 497 45 25 JO IV. EH-stern ... ... ... 101 529 529 5 6s 49 3 109 27 109 703 6os 75 9 16 V. Gippslaud ... ... ... "7 228 228 4 67 so 6 247 52 67 542 330 42 u 46 VI. Melbourne ... . .. ... 2~2 i 1,235 1,197 _i I2 !56 II7 36 1,446 319 JOO 2,837 1,633 44 s SI --
! ------1-{ r8g8 668 . 3,413 3,305 SI 795 452. 84 J,OJ9 692 8o3 7,247 4.449 47 1 I 42. 2 Total of the G. U.O.O.F. I897 583 3,o6o 2,949 67 987 7°4 91 3·300 705 74I 7,347 4.358 42 I3 45 1896 57 I 3. 512 3,416 59 63o
I 439 102 3.864 89I 732 8,oo6 4.746 44 8 48
{ 1898 1,3 Ioj. 6,221 6,2o8 75 967 S99 go 2,8o7 592 1,479 9.995 7·399 62 10 28 3 I.O.O.F. ... ... ... !897 I,o82 5,466 5,466 66 87o I
541 IOJ 3,307 750 1,25 I 9,643 6,757 57 9 34 1896 1,053 So413 5,400 77 1,1+9 701 84 2,965 666 I,2I4 9,527 6,767 57 12 JI r898 1,48S 7t240 7,2J2 197 1,849 I 92: 102 J,7I5 919 I,784 u,8o4 9,072 57 14 29 4 U.A.O.D .... ... ... 1897 1,214 6,I24 6,121 124 1,369
I 68 5 92 3,566 898 I,430 II,059 7.704 55 IJ 32 1896 I,r6x 6,o77 6,on II2 x,x63 567 g8 3.744 941 1,371 10,984 7,58 5 55 II 34
~ 1898 35 204 151 3 52 23 24 815 II6 62 1,071 290 19 5 76 5 A.O.F., Ballarat ... ... !897 37 3IO 185 8 122 38 22. 929 Ig8 67 I,J6I 421 23 9 68 I . 1896 38 267 212 12 154 88 43 1,Io9 188 93 1,530 488 17 10 73
~ 0 00
f'898 6 i A.O.F., Bendigo ... . .. } 1897 J8g6
I8g8 7 I A.O.F., Geelong and Western l 1897
I 8g6
8 i .A.O.F., Greuville ••• ( I8g8
... f" i 896 1898
9 A.O.F., Melbourne ... ... 1897 . 1896
{ 1898 10 A.O.F., Ovens and Murray ... I Ill97
1896
11 I .\.O.F., Portland ( 1898 ...
... I r::1 !898
12 I A.O.F., Warrnambool ••• I 1897 1896
13 I A.O.F., Court Unity Jx8g8
... I l I 897 1896
r8g8 U: i A.O.F., Court Ararat ... I 1897 1896
15 i A.O.]'., Court Amherst ... i { ~~~~ 1896 {'8g8
16 T.O.H. ... ... ... , 1897 1896
17 O.S.'T.-I. Ballnrat and Sandhurst
I I. Mt:lbourne HI. Victoria ...
{'8g8 17 Total of 0 S.T. ... 1897 1896
{'8g8 18 H.A.C.B.S. ... ... 1897
r:: 19 O.St.A. ... ... . .. 1897 1896 x8g8
. 20 I O.St.A., s.c . ... ... I 1897 1896
{'898 21 I G.U.O.F.G. ... ... 1897 1896
I, I,
I'
I' I,
I,
r8o
I 170 x8z 73 56 54 14 24 !6
6o8 BI 399 106 64 74 77 57 So JO 24 2I 40 39 31
3 7 5 3 2 5
9°5 666 552
72 2;'Z
163
5°7 39I 381 --941 786 6gz
78 78 go 34 31 38
270 us 181
1,197 1,094 1,126
333 327 337 6o
121 g6
8,824 8,232 8,194
524 212 357 454 42.9 433
g6 '79 112 376 399 249
19 5 I 35 '4 9
19 11,233 g,&z2 9·434
499 1,776
696
2,971 z,;o8 Z,342
3.954 3,816 3,429
487 314 473 284 195 292
r,zr6
1,134 JO 462.
I 2.2.6
1,024 39 894 2.81 1,02.4 36 593 224
333 4 63 31 327 8 IOS 54 337 6 62 3I
57 ... . .. ... 101 3 37 12
77 2 41 14 8,8I5 Igg 2,360 I,IOJ 8,230 199 2,236 1,117 8,194 213 2,245 1,123
524 10 6o JO 212 7 82 41 357 g 71
I 35 419 IS 283 75 334 9 126 53 395 8 lOO 39 97 I 2 I
! 179 3 39 20 Il2 7 34S 87 376 13 137 399 6 41 247 6 148 7I
19 I 24 12 51 I 2 I
34 ... ... ... 14 ... ... ... 9 ... ... .. .
19 ... ... .. . 11,173 ... ... .. . 9,8oi .. . . .. ... 9>427 ... ... .. .
395 8 I03 40 I,IZO r6 20I 64
68o 4 18 I I
I 2,195 28 J22 115 1,700 43 722 249 I ,718 55 sss 32I
---- ----148 1,498 731 127 x,oo6 6o7
3.332 I 55 1,024 628 346 I4 94 42 251 7 38 389 16 62 231 4 72 36 16I 8 85 41 292. 13 178 I 89
i 1,r8z. 8 I 62 40
I t,oot
i 12 i 175 I IOj I 968 I] 147 91
47
I 1,703
I 393 257
37 I,l 30 287 2.46 43 1,583 384 261 (0 406 102 87 8 3 31 89 72 8 338 ss 68 4 121 28 18 4 149 30 31 3 8; 2I 21
285 xo,8o1 2,692 2,og2 269 I 1,o87 2 .753 1,899 264 10,]66 z,673 1,876
9 330 82 125 10 366 92 81 8 266 67 go
14 6o8 uS 106 17 8p. I go 83 34 999 2.44 I22 8 354 88 39 8 377 94 35 4 39 19 32
'3 653 r63 66 12 615 x6 5 57 IS 485 121 52
I 26 7 5 2 30 7 IO 3 125 32 s
... ..• .. . 3 I 14 3 3 I 42 10 6
2Il 6,951 1,992 2,116 223 6,705 x,gso I,88g 200 6,::.g8 1,847 1,]52
12 336 79 92 I6 304 20 187
48 I,476 344 583 29 827 183 463 49 1423 33I 485
99 3,og2 796 x,r88 78 728 991 84 641 931 14 444 73 106 11 513 64 g6 21 587 91 127 15 6o6 127 53 17 733 x;8 s6 26 8o9 x88 77 13 480 I x&o 291
r I6 517 194 256 : li I 445 r67 209 I
3:362 '•7 53 J,IIS 3,302
8o2 766 470 737 453
I 181 8; 3°7 143 222 I I 2 I
2I,985 12,610 :u,;ss 12,100
21,205 11,990 914 636 66o 345 6g4 459
I,J4S 612 1,397 577 1,532 6]8
452 186 595 293 499 218
I,J02 r,o96
88z. 439 69 38 83 59
I6o 66 14 14 23 I2
6r 29 I 8,184 lj,I6j 16,527 ll,] jl I 5,732 11,274
938 514 2,477 1,296 I,J54 844
-----4,769 2,654 4·057 z.,qz 4,6zo 2,J70
8,544 5.456 i 7,762 5·095 7.055 4,601 1,025 461
902 353 x,x86 542
962 394 I,OI 3 360 I,:!./9 s69 I 1,7;8 I,402
r x,695 r,Joo I 1,652 I,226
35 '4 51 35 zg 36 34 ,g 48 41 8 SI 43 I4 43 46 8 46 33 6] 39 12 49 43 '9 48 40 II 49 j& IO 52 39 10 51 57 7 36 32 12 s6 52 10 38 34 21 45 31 9 6o 29 6 6; 21 I 78 30 7 63 33 69 8 29 21 36 8 28 17 55 27 35 38 62 2 36 22 - 78
lOO - -39 - 6I 6o 40 62 38 59 - 4I 6o 40
53 II J6 72 8 20 52 I 47
62 7 JI 62 x& 20 51 r8 31
------46 I8 36 49 I3 38 49 14 37 48 9 43 35 8 57 40 10 <;0 30 7 63 I9 9 72 23 I4 63 6y 4 27 59 10 31 64 9 27
1-' 0 (.0
TABLE VII.-SICKNESS IN .HALF·YEARI.Y PEIUODs.-Dumtiou and Cost under the Highest l~ato of Sick I>ay por week of the first Half-year, the Reduced Hates of J:lw Second Half-year, and of that contiuue<l beyond One Year in each Hoeiety and District for the Year 1898, a!ld in each Society for the Year~ I aHd 1896 -contirwed.
First llu!f-year. Second Half-year. Beyond One Year. 'fotal Cases, Duration, and Oost.
No. Society and District. Year. ~-----·-··--- ! Paf'l~· i;~;.ic;;l to
Cases. I Period. Cost. Cases. Period Oost. Oases. Cost .• Case~. }Jeriod. Cost. ,o. 20.
-- 1-----
weeks. £ \\~eeks. £ weeks. ""'
w·ccks. .c per cent. I'o 20 30
f'" I07 soo soo I3 I78 89 I2 467 II7 I 32 r, 145 706 44 I) 41
22 I St.P.S., Melbourne ... ... 1 1897 90 5 33 533 l3 163 8I 8 247 62 II I 943 676 57 I7 26 I896 99 590 59° I4 183 79 8 279 70 12I I ,o52 739 s6 17 27 1898 39 I4I If I 6 77 45 8 315 79 53 533 26) 27 I4 59
23 i St. P.S., Geelong and Western I I897 z6 zoo :wo 7 74 51 7 28o 76 40 554 36 '3 5I I8g6 25 124 II9 2 4I 20 5 r8g 47 32 354 35 12 53 1 I8y8 r86 925 875 23 240 II7 '7 576 115 226 I,74I 51 14 33
24: P.A.JLS. ... ... .•. I897 '79 1,o65 987 15 I I I 54 I7 624 I27 2II I,8oo 59 6 35 I8g6 I 71 gzo 843 21 143 56 20 67I I20 212 I,734 1,019 52 8 40
f"" 2,o6s 8,489 8,487 44 257 2I 6so I6J 2,130 9·654 8,907 88 5 7
25 I A.N.A. ... . .. ... I I g97 1,639 6,)24 6,5 22. 49 278 22 723 I8I J ,710 7,So3 6,981 84 7 9 1896 1o479 6,I I I 6,105 39 sso 275 17 480 122 7,141 6,502 g6 7 7 1898 25 II6 Ill 6 SI 24 7 157 39 324- '7+ 36 I6 48
26 I G.S.R.S. ... ... .. . I I 8g7 z8 I98 I84 4 I2 4 5 192 59 37 402 247 49 3 48 I8g6 ZI IOJ IOI 4 3' 23 7 225 87 32 359 21 I 29 9 62
r8g8 8r 339 339 IJ 88 44 3 8o 20 97 507 403 67 17 16
27 I.N.F. ... . .. ... I I8g7 6z 39I 39I 8 95 48 I • 12 3 7' 498 442 79 I9 2 i-'
1896 6o 365 363 8 29 I4 68 i-' ... ... ... 394 377 93 7 - 0
{ I8g8 340 1,468 I,467 27 I76 82 ... ... I ... 367 I,644 1,549 89 II
28 I :VL'l'.ll.S. ... . .. ... I I897 J02 1,207 I,2o7 25 I42 61 ... ... ... 327 1,349 1,268 89 I I
1896 299 I,I8g I,I Sg 18 SI 36 ... ... 317 r,270 1,225 94 6
9 39 Total ..• I i I897 [I3,981 I 71,604 ... ... 7J,II7 I I,I49 13,945 I 7,7IO o2,370 9 42 f
62,674 IO 42
NOT:t: -In the 1 .. 0_ H._ t,he sum of z.os. beinz naitl for twelve montlls. the :tignrcs ,g-tven m tne commu nea.-:wu ·· .t 1rsr. .nu.Jt*yccu· ·necessarily indudc those belonging to the second half~year; this socid,·, besides, as wellnH a few other9, makes a further reduction for · ·
TABLE VJIJ.-RECJCIPTS, EXPENDITURE, AND CAPITAL FOR 1898 OF ADDITIONAL SOCIETIES AND FUNDS NOT INCLUDJm IN THE PRECEDIN(} TABLES.
Be""lpts. Expea.diture... ~ ~ ... ~ .
~ o m m ;; ~ ~ ~ - 13 ~ :E .e .s ~ ~- ~ • g. ~c = c~ ; ::: ~~ ~ ~ ~~ a :5 "C:S ~ -= ~5 ; ,.. a . :1S c; 3 ~'0 = :5 ~ ~ ~! i ~
p::( ~ ~ 0~ ~ ~~ u u !--
Society. I~-~- .l!1
!! _e. :g • ~ .0 11: ~ -.:: ~ ... I -... .. "" ~ ~ -" " - I " 0 1-! 0 ~
£ £ £ I £ £ £ £ £ £ £ £ £ £
I 454 1 __ 8::.:.._1 ... 1,2.63 .•• ... 695 12.7 3o 852 411 10,535 I0,94G
M.U.I.O.O.F.
BBNDIGO DIBTil.IOT.
Widows and Orphans' Fund
56 199 I ... 255 ... ••• 190 ... .•. 190 65 6,735 6,8oo 28 zs 1 ... s6 ... ... ... 47 ... +7 9 414 423
I ------- \-·-- -·-84 :!.7.7 I ·- 31 I ••• ... 190 47 ••• 237 74 7,149 7,223
I - ·- :- ----
PoRT PHILLIP DrsTmOT •
.l!'uneral Fund ... ·-M'a.na.gement Fund ...
Total
A.O.F. BBNDIGO DISTRIOT. '
Widows and Orphans' Fund 20 2.9 ... 49 ••• ... 24 I 3 2 39 10 526 536
Total W. ana 0. Funds -- ·----- --1-
558 1,065 ... 1,623 ••• ... 909 187 1,128 495 18,210 18,705 ---- ,_ 1--
l?®sion :,:'~u:~r{. Decease Fund. ini l!'und. r'unds.
llisposal of Capital.
Invested.
6,359 375
6,734
Cash not bearing
Interest .
£ £
205 i 634
I ,123
Congregational Ministers' Provident Society t 54:J: 589 lOO 743 183 § 6o IOO ... IZ 355 388 13,622 14,010 IJ II,8I6 1,595 599
I Sick Pay. n.
C.C.C.A.S.t ... ... ... ·-1175 I ... ... 175 r85 .•• ... 25 ... 21o 35"' r66 131 J'.C.A.S.t ... ... ... ••. 310 ... 8 318 263 ... ... 27 ... 290 28 13 41
I -- -- --'--
N<>rE.-'rhe uterlslt (*) atgnldes the exceso of tha expendltura onr the recelpte. t The number of mamben In these Societies were :-O.M.P.S., ~7. oM member died during the year; C.C.C.A.8., rn, a decrease during the year or 38; .T.C.A..S., <38, a gain of 18 for the year. t Contributed by bena1loi"r.l' members, honor&ry membel'il, and churches. § Payments to olgbt memberl! on the P&nsiou Fund.
I Dlrided between tbe sovor&l funds M follow :-Capital Fna•l, £7,6;g; Voluntary and Retiring Fand, £1,379; Petllllon Fum'(, £r,971; Decease Fund (I~nmedlate), £If}I7, CReserve) £r,roc.
IJ1 4-I
..... ..... .....
112
AGGREGATE PIGURES OF ALL THE FRIENDLY SOCIETIES IN VICTORIA IN }:ACH OF THE TWENTY-ONE YEARS 1878-98.
IX.-Socn:Tms, BRANCHES, and :i\'lEIIIBERS in each Year 1878-98.
IIIembers.
I Average Ycu. Admitted by- Left by-
At beginulng I Number Gain
At end of i AYcragc of Effectil'e (Loss -).
J Clearnnce. of Year. Year. Numbel'. :Mernberf!.
Initia~ion. Clearance, Death. Arrears; &c.
1878 35 75IJ 4,566 564 467 663 3.756 45.430 45,6]4. 45.552 244 1879 35 766 4,6so 575 452 762 4,317 45.674 45.368 45.521 - J06 188o 33 748 5,197 642 425 66o 3o737 4 5,368 46,385 45,876 * 1,017 1881 ! 33 759 6,874 sso 571 6!6 3·491 46,385 49.431 47·908 ... 3,046 1882 33 762 7,516 929 6o6 692 3·918 49.431 52,66o 51,045 J,229 !883 33 776 9,253 1,144 593 744 4,218 5Z,66o 57.502 ss,osx 46,830 4,842 1884 32 788 8,264 1,021 640 Sgo 5:040 57:502 6o,2I7
i
ss.ssg 50,584 2,715 Iss5 ! 32 8!7 <),208 I 01J8 6p 870 4.932 6o,217 64,130 62,I73 52,g8g 3.913 !886 30 s56 11,076 1,369 703 959 5·433 64,130 6g,48o 66,8o5 55.5°7 5.350 !887 32 I 891 n,o69 1,368 8oi 1,2go 7·310 69,480 7i,5 I 6 70,998 )8,948 J,OJ6 !888 33 ' 930 I J,07 I 1,530 790 1,261 6,410 72,516 7&,656 75.586 61,987 6,140 1889 33 I 969 14,773 1,712 883 1,571 7,922 7s,6 56 84,765 81,710 66,55s 6,109 1890 33 , I,OOJ IJ,I74 1,734 925 1,743 8,871 84,765 88,134 86,450 70,510 3,369 1891 33 1,048 12,664- 1 1,6o8 I,OOI 1,890 9,112 88,134 90,f03 89,1.69 7J,I44 2,::>.6g 1892 33 I,o6t 8,919 1,378 915 1.5:'9 u,zo3 go,403 87,003 88,703 73,163 -3,400 1893 33 1,064 7,669 1,242 838 1,570 1I,502 87,003 82,004 ! 84.504 70,J8I - 4>999 1894 33 I,07 5 S,r 58 I ol93 817 1,291 10,043 .8z,oo4 79,204 8o,6o4 67,735 2,8oo 1895 JI r.o69 9,128 1,347 1,407 8,040 79.204 79,2 ss 67,077 108 1896 32 1,074 10,304 11368 1,526 7,876 79.312 80,001 68,oo2 1·379 1897 31 i I ,o8 I I 111 JO 1,462 6,701 8o,6gx 82,352 ;o,186 3>321 1898 31 ' x,o88 12,4-06 1,539 6,630 8<j.,OI2 86,369 73.556 4,714
1878-98 , 199,069 24.98 5 140,462
• The Effective members, those entitled to sick or funeral benefits, were not distinguished from the total nnmber of members prior to r88J.
TABLE X.-TOTAL RECEIPTS, ExPENDITURE and FUNDS, in Lhe Sick and Funeral and Medical and Management Funds, taken togother, for each Year I 878-98.
Year.
1878 1879 r88o 1881 1882 r883 1884 1885 1886 r887 1888 1889 1890 1891 1892 1893 1894 1895 1896 1897 r8g8
IJI,OI9 I 30,245 132,o6I 13g,o85 149.991 161,310 172,853 18I,210 193,<)11 203,559 223,019 2J6,IJI 246,516 25f,j21 245.9I4 233.498 226,903 230,004 2J6,302 242,767 255,179
Receipts. Expenditure. " " 0 ..... :::: 0
~ ~ ~ '§ .cl ~~ ~ ;; ~-g ~
S·~ -a . - , ~ t c ~ ._. ~-~ ~~ :S g ~ i ~ 'I a z ~ b :; s: as
_ c~ ~·--"'--~--~---------- ::;; ~--::'__ o ~- ;..o..
i£1 £.£1£ £ £ £ £ £ £ £ 18,o15 12,845: 161,879 45,I41 n,412 47,IJI 25,374 10,992: 14o,o5o 21,829 367,079 388,go8 zo,g8IJ 18,491 169,717 47,257 ' II,031 47,467 24,842. 15,I961 145,793 23,924 388,908 412,83:1 22,612' 15,688 170,361 46,157 10,083 47,354 25,014 14,858' 143,466 26,895• 412,832 439,727 2Z,57i 17,609 179,271 49,219 13,276 49.716 25,891 16,376' 1)4,478 24,793 439,727 464,520 24,490 19,063 193,544 50,489 12,996 53,397 27,544 2o,so6 164,932 z8,6n 464,520 493,132 25,386 23,141' 209,837 55,002 14,191 57,608 28,342 21,509 176,652 3J,185 493,132 526,317 29,104 2J,710J 225,667 55,196 14,592 62,060 29,891 zo,z92 182,031 43,636 526,317 569,953 3o,Sr5 22,433' 234,458 61,296 14,976 65,135 31,555 17,86o, 190,822 43,636• 569,953 613,589 32,010 33,0501 258,971 I 63,499 17,II8 6g,90I 3J,278 22,994, 206,790 52,1811 6IJ,;8g 66s.no 36,6o8 26,939 z67,1o6 ' 69,045 17,650 73,003 35,525 23,592! 218,815 48,291' 665,770 714,o61 37,874 41,035 281,928 67,347 r8,z6o 77,923 36,499 27,713
1 227,742 54,186• 714.061 768,247
40,485 25,391 3oz,oo7 75,8I1 2o,6o1 841069 41,985 19,175 241,641 6o,366 768,z47 828,6IJ 45,8 38 27,809 32o,163 88,641 2o,867 88,591 45,76 5 24,843 268,707 51,456 Sz8,613 88o,o6g 4-6,783 36,o87 337,591 98,oz6 22,441 91,024 48,o8o 27,775 287,336 5o,zss 88o,o6g 930,324 47,569 z6,o66 319,549 90,924 zo,827 90,955 49,158 19,o8o 270,944 48,6o5 930,324 978,929 46,446 451207 305,151 101,253 19,105 84,918 45,692 18,762 269,i30 35,421 978,929 1,014,350 43.493 26,743 297,139 100,753 18,;38 81,244 45.538 25,662 2/1,735 2),404 1,014,350 1,039.754 42,889 31,88z 304,775 103,457 21,419 8o,955 43,861 :1.2,718 272.,410 32.,365 I,039,754 1,o72,119 41,198 29,124- 306,624 98,582 21,164 83,534 43,967 20,462 267,709 38,915 1,072,119 I,lli,034 40,837 25,94-6 309,550 i 100,315 21,152 85,441 46,160 23,883 276,951 32>599:I,III,OJ4 1,14-3>633
27,153 323,554 ' 111,068 22,028 89,647 46,967 2J 1517 2.93,227 J01327!1,14J,633 1,17J,960
113
T .ABLE XI.-lNvESTUENTS of the Sick and Funeral anll Medical and Management Funds taken together iu each Year I 878-98.
--~--~-~~~~~~~~~~
F'unds.
Yenr. Invested Invested I onliiottgages in HaHs and I Proportion Interest
Total, and Hehentures other Freehold 1 Not invested, invested. realized~
and in Bank Property, Deposits.
£ £ per cent. per cent. !878 388,908 304,641 44,06:1. 40,265 89'7 4'76 !879 412,832 3:1.8,426 47,856 36,5so 9I'I 5'23 188o 439.727 346,581 48,56 5 44.581 89'9 5'3° 1881 464,)20 36?,gl8 47,168 49.434 89'4 4'99 1882 493,132 4oo,g68 44,846 47.318 90'4 5. II 1883 526,3I7 429:157 5 1,5s8 45.572 91'3 4'98 1884 569,953 465,984 47,:1.45 56,724 go·o 5'31 1ss5 613,589 5I0,897 46:530 56,x6z 9o·8 5 '21
!886 66s,77o 559,112 57.547 49,11 I 92'6 5'00 1887 7I4,06I 6o4,36o 55. 1 I7 54.584 92'4 5'3 1 1888 ?68,247 6J8,0JO 66,8)2 63,365 91'8 5'11 x88g 828,6I3 698,587 69.527 60,499 92 '7 5 ' 07 189o 88o,o6g 748,6og 6g,8IJ 61,647 93' 0 5'37 I8gi 930,324 8o4,565 70,365 5 5·394 94' 0 5 ' 17 1892 978.929 846,036 73.9I 5 ss,g7S 94'0 4'98 1893 I,OI4,J)O 384,150 79.994 so,2o6 95. I 4'66 1894 1,039.754 891,602 87,286 6o,866 94'1 4'23 1895 I,072,119 911,634 94,029 66,456 93'8 4'06 I896 I 1II1,034 92S,I47 1c6,336 79.5SI 9z·8 3'77 1897 1,143,633 95 3.232 114,600 75,80! 93'4 3'62 1898 1117J,960 968,197 122,636 83,127 92'9 3'56
----------Average
u~ ------• ~~~~--··-~
TABLE X H.-EXPERIENCE of Sickness, Mortality, and Departures in each Year 1878-98. ~-~~-~-~
Yeu.r, llfember• S!ck.
S1cliness.
Duration,
PerSlck Member.
Per Effective Member.
Sick Pay.
-working-wks. dys. days. £ s. d. £ s. d.
s,zo7 * 55,289 6 4 * s xo o 8,5I9 * 58,974 6 S * 5 IO II .. 8,310 * 58,443 7 0 * 5 II I .. 8,554 * 62,174 7 2 * 5 15 0 '* 8,g66 * 64,311 7 I 5 12 7 * 9,482 202'5 70,722 7 3 9'1 5 I6 0 I 3 6 9,286 I8]'6 7I,907 7 4 8 '5 5 I8 II I IO
10,92o 206·1 78,642 7 1 8·9 5 12 3 1 2 IO,I77 183'3 80,621 7 S 8•7 6 4 9 I 2 II u,zo9 190'2 88,532 7 5 g·o 6 3 o I 3 5 111 227 I8I' I 8g,6o2 8 0 8•7 6 0 0 I 9 I2,243 183'8 99,230 8 0 8•g 6 3 II I 2 10 14,806 210'0 115,906 i 5 9'9 5 19 9 I S 2
17,693 24I '9 U8,431 7 2 IO' 5 S IO IO 11 6 10
~H!! ~~r~ ~iHH ! ; ~!:~ 1 i :! ;~!; ! li I x6,8o8 250'6 149,8oo 8 5 13'4 6 3 IO 10 I5,0J8 221'1 148.515 9 5 IJ'I 6 II 9 0 15,773 225'9 149,438 9 3 j 12'8 • 6 7 2 I 8 9
1878 1879 188o I881 I88z I88J !884 x88s 1886 1887 1888 1889 1890 1891 1892 1893 1894 !895 1896 1897 x8g8 18,693 255·5 x6o,6u 8 4 1 xz·z is 18 1oj 1 xo 5
---- -·--1----'--1---!--8 0! IO'S 1519 six 510 Average ...
--------------------~-----• See footnote to Table I. on previolL~ page.
s. d. x6 4 16 0
IS 10 IS 10 I 5 8 15 7 15 4 IS 7 IS 9 IS 7 IS 0
IS 4 I5 4 IS 3 I4 7 14 7 14 I
IJ JO
IJ IJ 5 IJ IO
IS 1
Mortality.
Of I Member..
Of Wives.
Per r,oco Number Per x,ooo Members. o!Deatl!s. Members.
10'25 9'93 9'26
li '92 11'87 10'77 10'87 10' 15 10'52 !1'28 10'45 Io'8I 10'70 II '2I I0'32 9'92
IO' 13 II'6I II '14 10'57 Io'82
6'39 5'27 4'75 6'01 5 '43 5'83 5'54 5·68 5 '4 2
4. 52 5' 0 7 5'35 5 '02 s·og 4'70 4'25 4' 32 4'81 4'85 4'83 s·6o
s· xs
Departures by Arrears,
&<:.,and Clea.rance, per 1,000 Members.
97'01 II I' 57 9s·ss 85'73 go· 31 90'09
100'75 93'3 2
95'68 I 21 '13 101'49 u6·18 122'78 I2J'25 144 '1o IS4'6g I40'6I 119'19 fl7'52 99' 54 94'79
110'27
TADI,E XIII.-SuMMARY of all Funds possessed by Friendly Societies in Victoria at the end of I 898.
:N runes of Fund e.
Sick and Funeral Funds Medical and Munagement Funds Widows' and Orphans' Funds Congregational Ministers' Provident Society Funds ... Accident Funds ... Other Funds, chiefly Benevolent and Suspense Funds Female Societies ... ... ... ... .. .
Grand Total
Average per Member ------------~~~~~~~~~~~~~--~~~~~~~~~-~--~--~-~
Amount.
£ I,l33,156
40,804 x8,7o5 14,010
172 IJ,4Z9
934
£l,22I,ZIO
£13 138. od.
By Authority: RonT. S. BRAIN, Government Printer, Melbourne.
