When I moved toreport progress I was trying to get a comparison between the number of people who are likely to avail themselves of this scheme in the higher income group and the benefits available to them. In the Minister's speech reported in Volume 139, No. 8, column 1226 he stated:—
"The Statistics Office has given us figures showing that there were 240,000 married women under 44 years of age in the country and the number of births each year for some years back is between 60,000 and 65,000. Taking all the married women it is fairly simple to discover that a child appears every four years. Of course in statistics you must always take the whole lot and average it out in that way."
I agree with that, of course, but the point in this instance is that the amendment with which we are dealing refers only to the upper income group alone. The Minister's statement was not clear as to how many married women are in the upper income group. There are certainly not 240,000 married women in the upper income group. He bases his argument on that fact that if all, or a substantial number, of these people were to join this scheme it would work out at about £4 for each child born and that the scheme would pay for itself. To begin with these 240,000 married women are not in the upper income group, and this amendment does not apply to them at all, although it may from a statistical point of view. Has the Minister any guarantee that any substantial number of people in the upper income group are going to pay £1 per year?
If they are going to pay £1 per year, they, naturally, ask themselves what are they going to get for this £1. So far as I read the section, they are going to get a bed in a public ward. Anybody with a family income of over £600 a year is supposed to be in the upper income group. Take a person with about £700 a year, who wishes to get some benefit from this so-called contributory scheme, as it now is. What benefit are they going to get by subscribing £1 a year? They are going toget the offer of a bed in a public ward and nothing else.
I think it is clear that this scheme was unworkable from the beginning and the more the Minister tries to amend it, the worse it gets. The £1 a year proposal is now being changed to the "appropriate sum" because it dawned on the Minister that £1 a year was not a reasonable contribution. I think the Minister would be better advised to scrap the whole thing and start from a new angle. If he accepted the principle of contributory insurance, he could at least offer to the people something specific and they would know what they were going to get. Anybody contemplating availing of these benefits is supposed to pay £1 a year and for that they get a bed in a public ward. I think I am right in saying that they get a bed in a public ward for a fortnight. What is the use of that? If you have a contributory scheme you pay a certain sum of money and that sum enables the person concerned to receive certain monetary benefits. First of all, you are in a position to know what you are going to be the recipient of, and, secondly— and this is a most important point— you have a free choice. You are getting these monetary benefits and you have a free choice of where you are to go and where you will spend these monetary benefits, providing you spend them in relation to any sickness or maternity necessity that may arise.
I cannot see any sense in the £1 a year scheme and I cannot see that it is going to clarify the position in any way by substituting the "appropriate sum" for that £1. If the pioneers of the scheme pay £1 a year and accept these so-called benefits—I cannot see what the benefits are, actually—the only apparent benefit is a bed in a public word. If only a few of them accept the scheme and the scheme is going to be extended in a few years' time, the position will be that the pioneers of the scheme will be allowed to continue at £1, but if the scheme has not justified itself, the people who come in afterwards on this scheme of "the appropriate sum" will have to pay an inflated price for the losses incurred in the earlier years of the scheme.
I do not know what correspondencethe Minister has had in regard to the scheme, but I can find no enthusiasm whatever for it in the constituency I represent. Quite a lot of people of that income group have asked what they get for this particular contribution of £1. I told them that they get a bed in a public ward and that is all they do get. The benefits that accrue from this scheme as a whole are not really satisfactory. I do not think it is a workable scheme. I think it is an attempt on the part of the Minister to meet several forces of opinion. Perhaps it has been forced on him, but I do not think it is going to pay for itself. We have absolutely no guarantee that it is. I do not think that the statement which I quoted here and which the Minister made last Thursday, really does clarify the position so far as this amendment is concerned because it deals with the problem as a whole.
As Deputy McGilligan pointed out, people in the higher income group would comprise those who have more than £600 a year and £600 a year has now a purchasing power of only £240 as compared with pre-war days. I am quite satisfied that not every one of these people will join the scheme; I would say that not more than 20 per cent. of them will join it but, even if they did, I do not think this arrangement is at all practicable. I am quite satisfied that there are many people who find it a considerable hardship to pay the fees attendant on maternity cases, but if we are going to assist them—and we are just as willing to assist them as Fianna Fáil or any of the other Parties who want a free-for-all scheme—let us have something sensible and something practicable and not a scheme that experience will show confers no benefit on anybody whatsoever.