The subject of sickness insurance does not appear to have been previously discussed before this Institute except in relation to Friendly Societies and the National Health Insurance Act. There is, however, a most comprehensive paper by Mr W. A. Robertson, the present President of the Faculty, in the Transactions, Vol. xiv, page 21. Disability in the sense of long-term sickness insurance has been considered on several occasions, but purely as an added benefit to life assurance contracts. The results shown by the American offices, who at one time transacted a large volume of this business, have been anything but encouraging.