It is nearly two years since the submission of a paper to the Institute by Mr L. K. File, B.A., F.I.A., F.A.S., entitled “Disability Benefits in Conjunction with Life Insurance Policies,” dealing with the business very largely from the point of view of Canada and the United States. To-night Mr E. E. Rhodes, F.I.A., F.A.S., F.A.I.A. and an Honorary Fellow of this Institute, contributes a paper in which he discusses the business in America from a special point of view. The object of this paper is to outline the present practices and past experience of the Life Offices willing to write Disability benefits in this country, and to discuss the value and scope of the benefits.