Obviously a local club can find that out far better than a great imperial agency can.

The local club has every reason for looking sharply after doubtful cases as a State Insurance Fund cannot do.

As regards sickness, then, the Imperial Government merely compelled all the labouring classes, with few exceptions, to belong to some sick fund.

They were obliged to pay in a sum of not less than about fourpence in the pound of their weekly wages; and this payment of the workman has to be supplemented by half as much, paid by his employer--or rather, the employer pays the whole of the premium and deducts the share payable by the workman from his wages.
Closely linked with this is the Accident Insurance Law.

Here the brunt of the payment falls wholly on the employer.