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CONTENTS.

PAGB Report of Committee ... ... ... ... ... ... ... .. ... ... ii Teachers' Superannuation Bill (as reported) ... ... ... ... ... ... ... iii Digest of Evidence. Thomas Henry Gill, President New Zealand Educational Institute ... ... ... ... 1 Digest of Evidence. —Provision ample for teachers under thirty years of age and new entrants; £52 minimum too small, but would not jeopardize Bill on that account; Suggestion to tie up fund three years to enable old teachers to secure larger allowances; Scheme more important than increases in salaries; Reduction of retiring-age to fifty years (with thirty years' service) right for women; (1). Back service should be counted, but limited to £120 (7, 26). No one to come on fund for three years; Contributions to accumulate to increase retiringallowance to older teachers; (11, 15, 24). Teachers should be allowed to purchase status (15, 16). Proposed increases in salaries might go to strengthen fund (18-21). Railway men probably worse paid than teachers (23). Comparison between teachers' conference proposals and the Bill (26-33). Would support retiring-age for women at fifty (33-40). James Jeffeey, Headmaster, Anderson's Bay, Dunedin ... ... ... ... ... 4 Digest of Evidence. —Interpretation of clause 13, section 2, of Bill, " retiring medically unfit after fifteen years of service," expresses doubt as to whether pension is provided for (44-48). Fair provision in Bill for teachers under thirty (49). Comparison with schemes of Germany, South Australia, London and North-western Railway, and New Zealand Police and Railway (49). Comparison of actuarial assumptions in reference to mortality with that experienced in insurance offices; Suggests maximum for back service for men £78, for women £52; Scheme without back service very unfair for teachers between forty and sixty; (49). Women should retire at fifty (53, 143). Approves £52 minimum, but considers men's minimum should be higher than women's (55, 57). More women retiring medically unfit than men (56). Suggests that women retire at fifty, and men receive back service as compensation (58). Prefers conference scheme, but would suggest minimum of £50 and maximum of £200 (60). Rent-allowance should count for pension (72). On death of widow, remaining allowance should be paid to children under fourteen (72, 86). Thinks increase in salaries might be utilised for pension scheme (88). Teachers have not discussed the suggestion to tie up the fund for a year or two (97). Does not agree with South Canterbury Board's proposals re back service (114-118). Would be satisfied with annual contribution of £10,000 and withdrawal of State guarantee (127-130). Objections to Bill—l, Back service not recognised; 2, any amount due and not claimed by widow should be handed over to children under fourteen {ii any); 3, if possible, house allowance should count in calculating the pension ; 4, the retiring-age of women should be fifty (148-155). Morris Fox, Actuary, Government Life Insurance Department ... ... ... ... ... 10 Digest of Evidence. —Explanation of liabilities under different schemes as shown in actuarial report (159 et seq.). Lowering retiring-age of women would affect experience of withdrawals (178-181). No data for those retiring medically unfit, and no provision made for additional liability (181-184). Limiting pensions to £120 would make little difference (193-198). Increase in liability for each new teacher joining fund (201-205, 218-220). Annual Government subsidy (206-209, 221-225). Has not estimated how much funds will accumulate to before claims exceed revenue (226). Margaret Lorimer, Headmistress, Mount Cooks Girls' School, Wellington ... ... ... 14 Digest of Evidence. —Female teachers poorly represented at New Zealand Educational Institute, especially Canterbury and Otago; Fifty-five optional retiring-age too high, because of lack of efficiency after fifty—because teachers of large standard classes and sole-charge schools could not last out to draw pensions—because, receiving less than men, they should retire earlier; The small number of women teachers over fifty proves fifty the right age; If fifty financially impossible, compromise suggested of either making retiring-age fifty-two, or reducing the pension if retiring at fifty; If compromise impossible, would have Bill as it is, because it is good for younger members, generous to medically unfit, and £52 minimum sufficient; (4). Speaking solely for Wellington (6). Considers Dunedin women teachers' opinion influenced by male teachers (8, 9). Women over fifty unfit for their work; Country teachers consider fifty correct retiring-age; (10-14). Has not considered the effect of increase in salaries being given to fund (17-20). Retiring-age only real objection (23). iii—l. 14.

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