bls_1180_1955.pdf

D i g e s t :

One-Hundred Selected Health and Insurance Plans Under Collective Bargaining, 1954

UNITED STATES DEPARTM ENT O F LA B O R Ja m e s R M itch e ll, Secre ta ry

Bulletin No. 1180

BUREAU OF LABOR STATISTICS Aryness Joy Wickens, Acting Commissioner

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Iowa State Teachers College Library Cedar Falls. Iowa

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Digest o£One-Hundred Selected Health and Insurance Plans Under Collective Bargaining, 1954

Bulletin No. 1180June 1955

UNITED STATES DEPARTM EN T O F LA B O R Jam es P. M itch e ll, S e c re ta ry

BUREAU OF LABOR STATISTICSAryness Joy Wickens, Acting Commissioner

For sale by the Superintendent of Documents, U. S. Government Printing O ffice, W ashington 25, D. C . - Price $1.00



Pref<

The establishm ent of health and insurance plans by em ployers and unions through collective bargaining, or the inclusion o f existing plans within the scope of the collective bargaining agreem ent, is recogn ized as one of the outstanding developments in labor-m anagem ent relations in the past decade* By the end o f 1954, m ore than 11,500,000 workers were estimated to be co v ered by health and insurance plans under collective bargaining*

The Bureau o f Labor Statistics maintains a file o f selected health and insurance plans for public use and has conducted a number o f studies in this fie ld , including reports on the growth o f w orker coverage under co llective ly bargained program s, analyses o f plans in sp ecific industries, and digests of the provisions o f se lected plans*

This report describes the principal features of 100 se lected health and insurance plans in effect in 1954* The number of w orkers covered by these plans ranges from about one thousand to several hundred thousand. The selected plans are not presented as typical or “ m odel11 plans, nor as a representative sample of a ll plans under co llective bargaining* They were chosen for this study because they covered large numbers o f w orkers in m ajor industries, or because they illustrated different approaches to health and insurance coverage, or because o f their interest to the general public evidenced in inquiries received by the Bureau*


ace

Digests of selected plans w ere issued by the Bureau in 1950 and 1951. Many changes in the scope and substance of health and insurance plans have been instituted since 1951. Significant among the changes have been (l) the broadening o f the health and insurance “package11 to include additional benefits, (2) the extension of benefits to dependents o f em ployees and, to a lesser degree, to retired em ployees and their dependents, and (3) the general increase in the amounts of the benefits provided. The present report, which brings up to date a number of plans described in previous d igests, is m ore com prehensive in scope and in detail. It attempts to re flect the nature o f the benefits p ro vided to workers and the differences among plans in a form suitable for quick referen ce .

F or the convenience o f the reader, State tem porary disability laws which affect som e o f the plans covered in this digest are sum m arized in appendix A . Three prepaid m edical care p ro gram s utilized by one or m ore o f the selected plans are described in appendixes B, C, and D; other prepaid m edical care program s are re ferred to and sum m arized in the appropriate plan digest.

The report was prepared in the Bureau* s Division of Wages and Industrial Relations by Evan K. Rowe and Dorothy R. Kittner, with the assistance of Vincent A . A rkell and Harry E. Davis •



Contents

Page

Explanatory notes _____________________________________________ 1Selected health and insurance p la n s __________________________ 4Appendixes:

A - State T em porary D isability Insurance------------------------ 203B - Health Insurance Plan of Greater New Y o r k _________ 206C - K aiser Foundation Health P lan________ _______________ 207D - New York Hotel Trades Council (AFL) and Hotel

A ssociation Health Center, Inc, P lan ---------------------- 208


Index

S i n g l e E m p l o y e r P l a n s Page

Aluminum Co. of A m e r ic a ____________________________________ 88Aluminum W orkers (AFL.)Steelworkers (CIO)

Am erican Can C o ._____________________________________________ 100Steelworkers (CIO)

Am erican Radiator and Standard Sanitary C orp. ------------------- 100Standard A llied Trades Council (AFL)

Am erican Seating Co. _______________________________________ _— 40Automobile W orkers (CIO)

Am erican Sugar Refining Co. _________________________________ 4Longshorem en (AFL)

Am erican V iscose Corp. ________________________________________ 84Textile W orkers (CIO)

A m erican Woolen Co. _________________________________________ 22Textile W orkers (CIO)

Arm our and Co. _________________________________________________ 16Meat Cutters (AFL)Packinghouse W orkers (CIO)

A rm strong Cork C o ._________________________________________ - 22Rubber W orkers (CIO)

Bethlehem Steel Co. _____________________________________________ 94Steelworkers (CIO)

Bigelow -Sanford Carpet C o .___________________________________ 22Textile W orkers (CIO)

Botany M ills ______________________________________________________ 28Textile W orkers (CIO)

Brown and Bigelow Co. __________________________________________ 52Bookbinders (AFL)

Campbell Soup Co. _____________________________________________ 4Packinghouse W orkers (CIO)

Caterpillar T ractor Co. _______________________________________ 112Automobile W orkers (CIO)

Chase B rass and Copper C o .__________________________________ 88Automobile W orkers (CIO)

C olt1 s Manufacturing C o .____________________________________ - 4Automobile W orkers (CIO)

Cone M ills Corp. ______________________________________________ 22Textile W orkers (CIO)

Continental Can C o .____________________________________________ 106Steelworkers (CIO)

Deere and Co. _________________________________________________ 106Automobile W orkers (CIO)

Detroit Edison Co. _____________________________________________ 178Utility W orkers (CIO)

Dow Chem ical C o . _____________________________________________ 58D istrict 50, United Mine W orkers (ind.)

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Index -

Elgin National Watch Co# ------------------------------------------------------ 136Watch W orkers (ind.)

F irestone T ire and Rubber Co. ----------------------------------------------- 76Rubber W orkers (CIO)

F lorsheim Shoe C o .____________________________________________ 76Shoe W orkers (CIO)

F ord M otor Co. ------------------------------------------------------------------------- 124Automobile W orkers (CIO)

Gair, R obert, C o . _____________________________________________ 46Paper Makers (AFL)

General Foods Corp. __________________________________________ 10Various unions

General M otors Corp. _________________________________________ 124Automobile W orkers (CIO)

Goodrich, B . F . , Co. -------------------------------------------------------------- 70Rubber W orkers (CIO)

International H arvester Co. ___________________________________ 112Automobile W orkers (CIO)

International Paper C o .________________________________________ 46Paper Makers (AFL)Pulp, Sulphite, and Paper M ill W orkers (AFL)

International Shoe Co. _________________________________________ 82Shoe W orkers (CIO)

Johnson and Johnson___________________________________________ 142Textile W orkers (CIO)

Kennecott Copper Corp. _______________________________________ 148Various unions

Liggett and M yers Tobacco Co. ----------------------------------------------- 16T obacco W orkers (AFL)

M inneapolis-Honeywell Regulator C o .________________________ 130Team sters (AFL)

Minnesota Mining and Manufacturing C o . _____________________ 82Gas, Coke, and Chemical W orkers (CIO)

National B iscuit Co. ___________________________________________ 4Bakery and Confectionery W orkers (AFL)

North A m erican A v ia tion ______________________________________ 124Automobile W orkers (CIO)

Owens-Illinois Glass Co. _____________________________________ 88Glass Bottle B low ers (AFL)

Pennsylvania Pow er and Light Co. ___________________________ 178Em ployees Independent Assn (ind.)



Continued


Philip M orris and C o . ------------------------------------------------------------------- 16Tobacco W orkers (AFL)

Pittsburgh Plate Glass Co. _____________________ ________________ 88G lass, C eram ic, and Silica Sand W orkers (CIO)

Prudential Life Insurance Co* of A m e r ic a _____________________ 190Insurance Agents (AFL)

Public Service Coordinated T ran sp ort__________________________ 160Street, E lectric Railway and M otor Coach

Em ployees (AFL)Pullman-Standard Car Manufacturing Co. _____________________ 130

Steelworkers (CIO)Radio Corp. of A m erica ________________________________________ 118

E lectrica l W orkers (CIO)E lectrica l W orkers (AFL)

Sinclair Oil Corp. ________________________________________________ 70Oil W orkers (CIO)

Socony Vacuum Oil Co. __________________________________________ 70Oil W orkers (CIO)

Sperry Gyroscope Co. ___________________________________________ 136E lectrica l W orkers (CIO)

Stanolind Oil and Gas Co. _______________________________________ 154Stanolind Employees Bargaining Agency (ind.)

Swift and Co. ____________________________________________________ 16Meat Cutters (AFL)Packinghouse W orkers (CIO)Packinghouse W orkers (ind.)

Texas C o ._________________________________________________________ 64Oil W orkers (CIO)

Twin City Rapid Transit Co. ____________________________________ 166Street, E lectric Railway and M otor Coach

Employees (AFL)United States Rubber Co. __________________________________ 76

Rubber W orkers (CIO)United States Steel C o r p .________________________________________ 100

Steelworkers (CIO)Weirton Steel C o . -------------------------------------------------------------------------- 94

Independent Steelworkers Union (ind.)Westinghouse E lectric C o r p .------------------------------------------------------- 118

E lectrica l W orkers (CIO)W est Virginia Pulp and Paper C o . ----------------------------------------------- 52

Paper W orkers (CIO)Pulp, Sulphite, and Paper M ill W orkers (AFL)


In d ex - Continued

S i n g l e E m p l o y e r P l a n s - B y I n d u s t r y Page

Manufacturing

Chem icals:

Am erican Y jgrftPA Hnrpt 64Textile W orkers (CIO)

Dow Chem ical Co ---------------------------------------------- __________ _ . 58D istrict 50, United Mine W orkers (ind.)

Food:

A m erican Sugar Refining C o * _________________________________ 4Longshorem en (AFL)

Arm our and Co. _________________________________________________ 16Meat Cutters (AFL)Packinghouse W orkers (CIO)

National B iscu it C o. ------------------------------------------------------------------ 4Bakery and C onfectionery W orkers (AFL)

Campbell Soup C o . ___________________________________ 4Packinghouse W orkers (CIO)

General Foods C o r p .____________________________________________ 10Various unions

Swift and C o. _________________________________________________— 16Meat Cutters (AFL)Packinghouse W orkers (CIO)Packinghouse W orkers (ind.)

Furniture:

A m erican Seating C o . --------------------------------------------------------- -— . 40Automobile W orkers (CIO)

Leather:

F lorsh eim Shoe Co ______________ _________________________„_____ 76Shoe W orkers (CIO)

International Shoe Co. ________________________________________ 82Shoe W orkers (CIO)

M etalworking:

A m erican Can C o . -------------------------------- ------------------------------------- 100Steelw orkers (CIO)

A m erican Radiator and Standard Sanitary C o r p .____________ 100Standard A llied Trades Council (AFL)

Aluminum Co • of A m e r ic a ------------------------------------------------------- 88Aluminum W orkers (AFL)Steelw orkers (CIO)

Metalworking - Continued


Manufacturing

Bethlehem Steel Co. ___________________________________________ 94Steelworkers (CIO)

Caterpillar T ractor C o. __,_____________________________________ 112Automobile W orkers (CIO)

Chase B rass and Copper C o ____________________________________ 88Automobile W orkers (CIO)

Continental Can C o . ______________________________________________ 106Steelw orkers (CIO)

Deere and Co. ___________________________________________________ 106Automobile W orkers (CIO)

F ord M otor C o . __________________________________ -— --------------- 124Automobile W orkers (CIO)

General M otors Corp. ________________________________________ 124Automobile W orkers (CIO)

International H arvester C o . ----------------------------------------------------- 112Automobile W orkers (CIO)

North Am erican A v ia tion ______________________________________ 124Automobile W orkers (CIO)

Pullman-Standard Car Manuf ac tur ing Co. ----------------------------- 130Steelw orkers (CIO)

Radio C orp. o f A m e r ic a _____________________________________— 118E lectr ica l W orkers (CIO)E lectr ica l W orkers (AFL)

United States Steel C o r p .______________________________________ 100Steelw orkers (CIO)

W eir ton Steel Co. —_________________________________ *-------------- 94Independent Steelworkers Union (ind.)

Westinghouse E lectric C o r p .________________________________- 118E lectr ica l W orkers (CIO)

Ordnance:

C o lt 's Manufacturing C o . _______ _____________________________ 4Automobile W orkers (CIO)

P aper:

G air, R obert, C o . ______________________________________ ______ 46Paper M akers (AFL)

International Paper C o . _______________________________________ 46Paper M akers (AFL)Pulp, Sulphite, and Paper M ill W orkers (AFL)

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Index •

Paper - Continued

West Virginia Pulp and Paper Co. --------------------------------------- - 52Paper W orkers (CIO)Pulp, Sulphite, and Paper M ill W orkers (AFL)

Petroleum and Coal:


Manufacturing

Sinclair Oil C o r p . ---------------------------------------------------------------------- 70Oil W orkers (CIO)

Socony Vacuum Oil C o . ________________________________________ 70Oil W orkers (CIO)

Texas C o. ---------------------------------------------------------------------------------- 64Oil W orkers (CIO)

Printing and Publishing:

Brown and Bigelow C o . ------------------------------------------------------------- 52Bookbinders (AFL)

Rubber:F irestone T ire and Rubber Co. ----------------------------------------------- 76

Rubber W orkers (CIO)G oodrich, B . F . , C o . ________ ____________________________ ___ 70

Rubber W orkers (CIO)United States Rubber C o . ---------------------------------------------------------- 76

Rubber W orkers (CIO)

Stone, Clay, and G lass:Minnesota Mining and Manufacturing C o . ____________________ 82

G as, Coke, and Chem ical W orkers (CIO)O wens-Illinois Glass Co* -----------------—------------------------------------- 88

Glass Bottle B low ers (AFL)Pittsburgh Plate Glass C o . ------------------------------------------------------- 88

G lass, C eram ic, and S ilica Sand W orkers (CIO)

Textiles:A m erican Woolen C o. _________________________________________ 22

Textile W orkers (CIO)Arm strong Cork C o . __________________________________________ 22

Rubber W orkers (CIO)Bigelow-Sanford Carpet C o . ___-______________________________ 22

Textile W orkers (CIO)Botany M ills --------------------------- 28

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Continued


Manufac tur ing

T extiles - Continued

Cone M ills Corp. _______________________________________________ 22Textile W orkers (CIO)

T obacco:Liggett and M yers Tobacco C o . ________________________________ 16

Tobacco W orkers (AFL.)Philip M orris and Co. _____________________ —___________________ 16

Tobacco W orkers (AFL)

Other Manufacturing:Elgin National Watch Co. _______________________________________ 136

Watch W orkers (ind.)Johnson and Johnson______________________________________ —------ 142

Textile W orkers (CIO)Minneapolis-Honeywell Regulator C o . _________________________ 130

Team sters (AFL)Sperry Gyroscope Co. __________________________________________ 136

E lectrica l W orkers (CIO)Nonmanufacturing

Finance, Insurance, and Real Estate:Prudential Life Insurance C o. of A m e r ic a ------------------------------ 190

Insurance Agents (AFL)Mining:Kennecott Copper Corp. ------------------------------------------------------------ 148

Various unionsStanolind Oil and Gas Co. ---------------------------------------------------------- 154

Stanolind Employees Bargaining Agency (ind.)

Transportation, Communication, and Other Public U tilities:Detroit Edison C o . _________ _____________________________________ 178

Utility W orkers (CIO)Pennsylvania Pow er and Light C o . _____________________________ 178

Em ployees Independent A ssn (ind.)Public Service Coordinated T ran sp ort_________________________ 160

Street, E lectric Railway and M otor Coach Em ployees (AFL)

Twin City Rapid Transit C o . ___________________________________ 166Street, E lectric Railway and M otor Coach

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Manufac tur ing

Apparel:

Clothing industry, m en1 s and boys* , various em p lo y e rs ------- 34C lo s in g W orkers (CIO)

D ress industry, A ffiliated D ress M fr s . , and otherem ployers, New Y ork, N. Y . ____________________ ___________ 34

Ladies Garment W orkers (AFL)Fur manufacturing and retailing industry, A ssociated Fur

M f r s . , and other em ployers, New York, N. Y . —__________ 28Fur and Leather W orkers (ind.)

M illinery industry, Eastern W omen1 s Headwear Assn andother em ployers, New Y ork, N. Y . _________________________ 28

H atters, Cap and M illinery W orkers (AFL)

Food:

B rew ers B oard o f T rade, New York, N. Y . __________________ 10T eam sters (AFL)

D istillery industry, various e m p lo y e rs ______________________ ... 10D istillery W orkers (AFL)

Furniture:

Furniture M frs . in S o . C a lif . , Industrial RelationsCouncil o f _____________________________________________________ 40

Carpenters (AFL)Furniture industry, various e m p lo y e rs _______________________ 40

Furniture W orkers (CIO)Upholstering and a llied trades industries, various em ployers 46

U ph olsterers ' (AFL)

Leather:

Leather M frs . A ssn (M a s s . ) ______ _ __________________________ 82Fur and Leather W orkers (ind .)

Luggage and leather goods industry, various em ployers_____ 82Handbag, Luggage, B elt and Novelty W orkers (AFL)

Lum ber:

Lum ber industry, various em ployers, So. C a l i f . ___________ 34Carpenters (API-.)

Lum ber industry, various em ployers, O r e g ., W ash., C a lif .,Idaho, and M o n t .____ ________________________________________ 40W oodw orkers (CIO)

Index -

M u l t i e m p l o y e r P l a f t s - B y I n d u s t r y Page


• Continued

Manufac tur ing

M u l t i e m p l o y e r P l a n s - B y I n d u s t r y Page

Me tal wo rking:

Metal Trades Assn (C a l i f . ) ____________________________________ 106M achinists (AFL>)

M etalworking, various em ployers, Newark, N. J. andNew York, N. Y . a r e a _________________________ —----------------- 142

E lectrica l W orkers, D istrict 4 (ind.)Metalworking, various em ployers, St. L ou is, M o. area,____ 148

M achinists, D istrict 9 (AFL)

Printing and Publishing:

Lithographers Assn o f San F ran cisco (Em ploying)___________ 52Lithographers (CIO)

Lithographers Assn (C h ica g o )________________________________ 58Lithographers (CIO)

Publishers Assn o f New York C i t y --------- -------------------------------- 58Typographical Union (AFL)

Other Manufacturing:

Doll and toy industry, Natl Assn o f Doll M frs . and otherem ployers, New York, N. Y . _______________________________ 142

D oll and Toy W orkers (AFL)Jew elry industry, A ssociated Jew elers, In c ., Jewelry

Crafts A ssn and other em ployers, New Y ork, N« Y . _____ 142Jew elry W orkers, L oca l 1 (AFL)

Nonmanufac tur ing

Construction;

Construction industry, A ssociated General Contractors o fA m . and other em ployers, N o. C a l i f . ----- .-------------------------- 154

Carpenters (AFL)Construction industry, various em ployers, W estern P a .____ 154

Various A F L unionsPainters and D ecorators o f the City o f New York (Assn o f

M a s t e r ) ______________________________________________________ 160P ainters, D istrict Council 9 (AFL)

Finance, Insurance, and Real Estate:

Realty A dvisory B oard on Labor R elations, New Y ork, N .Y . 196 Building S erv ice Em ployees (AFL)

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index -

M u l t i e m p l o y e r P l a n s - B y I n d u s t r y Page

Nonmanufac turing

F ish eries :

Alaska Salmon Industry, Inc. _________________________________ 148Alaska F isherm en1 s Union (Ind.)Cordova D istrict F isheries Union (ind.)

Mining:

Coal industry (Bituminous), various e m p lo y e rs_____________ 154United Mine W orkers (ind.)

Retail and W holesale Trade:

Distributors Assn of No. C a l i f . ----------------------------------------------- 184Longshoremen* s and Warehousemen* s Union,

L ocal 6 (ind.)Drug industry (Retail), various assns and em ployers,

New York, N. Y . ------------------------------------------------------------------- 190Retail, W holesale, and Department Store Union,

Local 1199 (CIO)Restaurant industry, P rogressive Restaurant Owners A ssn,

and other em ployers. New York, N. Y . ___________________ 184Hotel and Restaurant Em ployees, L oca l 89 (AFL)

Retail trade industry, various em ployers, New York, N. Y . 184 Retail Clerks (AFL)

Services:

Hotel Assn of New York C ity __________________________________ 196New York Hotel Trades Council (AFL)


Continued

M u l t i e m p l o y .e r P l a n s - B y I n d u s t r y Page

Nonmanuf ac tur ing

Services - Continued

Laundry industry, various e m p lo y e r s ________________________ 196Laundry W orkers (AFL)

Transportation, Communication, andOther Public U tilities:

M aritim e industry, various em ployers, Atlantic andGulf Coasts------------------------------------------------------------------------------- 172

Seafarers (AFL)M aritim e industry, various em ployers, Atlantic and

Gulf C o a sts___________________________________________________ 172M aritime Union (CIO)

M aritim e industry, various em ployers, Atlantic andGulf C o a sts___________________________________________________ 172

Marine Engineers (CIO)National Automobile Transporters A s s n ---------------------------------- 166

Team sters, National Truckaway and Driveaway Conference (AFL)

P acific Maritime A s s n --------------------------------------------------------------- 178Longshorem en 's and W arehousem en 's Union (ind.)

Truck Owners Assn of C a l i f .__________________________________ 172Team sters (AFL)

Trucking industry, loca l cartage and ove r-the - road freight, various assns and individual em ployers,Central States, Southeast and Southwest a r e a s -------------------- 166

Team sters (AFL)

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D ig est of O ne*H und red Selected H ealth a n d Insurance P la n s U nder Co llective B a rg a in in g , 1954

E X P L A N A T O R Y N O T E S

Although the term s and provisions of the digests o f health and insurance plans used in this report are generally self-explanatory , some specia l definitions and qualifications were required. These are set forth below . It must be emphasized that a sum m ary of a plan n ecessa rily om its many features and adm inistrative details em bodied in the agreements and insurance policies which govern the operation of the plan.

Plans Under C ollective Bargaining

F or the purpose o f this study, plans under collective bargaining include (1) those established for the firs t time as a resu lt of co llective bargaining, and (2) those originally established by either the em ployer or the union, but since brought within the scope of the agreem ent, at least to the extent that the agreem ent establishes em ployer responsibility to continue or provide certain benefits.

Although these plans are under collective bargaining, as defined above, they are not necessarily lim ited in application to em ployees covered by co llective bargaining agreem ents. In com panies where m ore than one union represents em ployees under the same plan, the union or unions identified in the plan digests account for a large proportion , but not necessarily all or a m ajority o f the w orkers under collective bargaining agreem ents.

Symbols

X When used in the digest, this symbol means that the column is applicable or that the benefit provided under the program .

— When used in the digest, this symbol means that the colum n is not applicable or that the benefit is not provided under the program .

Variations Within Plans

Although a single program may be in effect throughout the various plants or com panies covered by a multiplant or m ultiem ployer program , variations in some benefits may occu r between plants or com panies. A com m on example o f this variation is that relating to hospital, surg ica l, and m edical benefits provided through Blue C ross and Blue Shield program s. Benefits under these program s generally vary from locality to loca lity . Where variations in benefits are known to exist under a particular multi - plant o r m ultiem ployer plan, the provisions covering the largest

group of covered w orkers are described and the program so described is identified, e . g . , the Michigan Hospital Service (Blue Cross plan) and Michigan M edical Service (Blue Shield plan).

Individuals to Whom the Benefits Apply

Except as indicated, life insurance (or death benefits) and accidental death and dism em berm ent insurance are available only to em ployees. Accident and sickness insurance benefits are available only to em ployees. The availability o f hospital, surgical, and m edical benefits to em ployees and their dependents is indicated in the appropriate sections o f the plan digest.

Cases Covered— Occupational or Nonoccupational

F or each plan the digest shows the types o f coverage (nonoccupational and /or occupational) for which accidental death and dism em berm ent insurance and accident and sickness benefits are payable. Hospital, surgica l, and m edical benefits, except where indicated, are available only for nonoccupational (off-the- job) d isab ilities.

E ligibility Requirements

This term applies to requirem ents which a new employee must fulfill in order to be covered by the plan or to becom e e ligible to participate in the program . Although the employee genera lly becom es eligible to rece ive benefits upon qualifying for plan coverage, further requirem ents may be stipulated for specific benefits, e . g . , hospital benefits in m aternity ca ses . Such additional requirem ents are noted where applicable.

In those States having tem porary disability legislation1 and in which the benefits are provided under private plans, workers are eligible for disability cash benefits as soon as they qualify

1 Four States have enacted statutes providing protection from loss o f wages because o f tem porary disability arising out o f nonoccupational causes. These are: Rhode Island, California,New Jersey , and New York. The statutes o f California and New Jersey provide for the substitution of private plans for the State plan. The New York statute does not provide for a State plan but requires em ployers to arrange for the benefits through insurance com panies, a com petitive State fund, or by self-insurance. Rhode Island makes no provision fo r the substitution o f a private plan and therefore does not affect the qualification requirements o f private plans in that State. F or a m ore com plete description o f these plans, see appendix A .

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2

under the State law, irrespective o f the private plan eligibility- requirem ents, These payments may be provided under the private plan through m odification o f its eligibility rules or from the State plan until the worker becom es eligible under the private plan. In addition, som e plans may appear not to com ply with statutory requirements as regards eligibility requirem ents; in these ca ses , however, they need not do so inasmuch as the private plan benefits are in addition to those prescribed by the State law.

“ Immediately or firs t of following month. n This term is used to indicate the eligibility requirem ents under which an em ployee becom es eligible to participate in the program not later than the firs t o f the month following date o f employment.

“ Covered em ploym ent11 means employment by an em ployer contributing to the plan (fund).

Life Insurance

In addition to the basic life insurance benefits provided under a plan, specified additional amounts are often made available to the em ployee on a contributory basis or at his own cost. Availability o f this additional insurance is indicated by footnote referen ce . If additional insurance is made available by the com pany, but not under the co llective bargaining agreem ent, this is indicated in a footnote sim ply as “ company makes available additional insurance11 or “ company makes available life in su ra n ce .11

Accidental Death and Dism em berm ent

Single dism em berm ent.— R efers to the loss o f one hand, on e 'foo t, o r the sight o f one eye.

Multi dism em berm ent. — Generally re fers to the loss of two or m ore m em bers.

Death benefits. — Under an accidental death and d ism em berment provision are payable 'in addition to any life insurance benefits which may be otherwise provided under the program .

Accident and Sickness

In this report accident and sickness insurance benefits are lim ited to that type o f insurance under which predeterm ined cash payments are made to covered em ployees during periods of tem porary disability. Paid sick leave plans are not included. In some cases em ployees are covered by both accident and s ick ness insurance and paid sick leave program s. No reference is made to this fact in the digest. However, if no accident and sickness insurance is provided under the health and insurance plan but the em ployees are covered by paid sick leave, this fact is indicated by a footnote.


In States having tem porary disability legislation and in which accident and sickness benefits are provided through p r ivate plans, the benefit rights of em ployees under the private plan must m eet certain minimum statutory requirem ents. F or a description of these requirem ents, see appendix A .

Ho spitalization

Daily benefit or s e rv ice . — If the plan provides for either f,ward or sem iprivate" accom m odations, only l,sem iprivate,! is entered as the benefit available. In those cases where the plan indicates that sem iprivate accom m odations are provided but lim its the allowance to a specified cash amount, only the cash amount is noted. Generally, where sem iprivate room accom m odations are provided, the plan also specifies an allowance toward the cost of a private room . This provision is not noted in the plan sum m aries •

Daily hospital room and board allowances are generally provided on an "up to11 basis . This means that the patient will be reim bursed for charges up to the specified allow ance. In some plans, however, the specified allowance is paid irrespective o f the charge for the accom m odations used. This distinction is noted by the use of "up to " to describe the form er type o f allow ance, and if the latter type of benefit is provided, only the amount o f allowance is cited.

Sim ilar qualifications apply to surgica l and m edical care allowances and are noted accord ingly .

Extra allowance o r s e rv ice . — Cash allowances or s e rv ices provided in addition to daily room and board benefits. If the plan pays for the full cost of all o f the serv ices required, ••Full cost o f se rv ice s11 is entered in the colum n. If the plan pays for full cost o f specified serv ices o r full cost o f certain serv ices and partial cost o f other specified serv ices '•Full cost o f specified se rv ice s11 is entered. A listing of the serv ices c o v ered often runs to considerable length and, th erefore , could not be reproduced in these sum m aries.

Services provided may vary considerably among plans, but often include use o f operating room and equipment, general nursing care , laboratory examinations consistent with the diagnosis for which hospitalized, drugs and m edications for use in hospital, anesthesia if adm inistered by an em ployee o f the h os pital and an allowance fo r anesthesia i f adm inistered by a nonhospital em ployee, and X -ra y examinations consistent with diagnosis and treatment of condition fo r which hospitalized .

2dix A

New York State has exceptions to this rule; see appen-


E m ergency out-patient ca re , — Refers to the serv ice or cash benefit provided in the out-patient department o f a hospital. In order for the individual to receive this benefit, treatment usually m ust be received within a specified number of hours after the cause of the em ergency o c cu rs . Hospital confinement is not r e quired. If serv ices n ecessa ry for treatment are provided with no cost lim itation, "requ ired serv ices provided" is entered in this column; if there is a cost limitation on the amount o f se rv ices provided, this is noted.

Surgical and M edical

Up to maximum schedule allowance accepted as full payment if annual incom e is under . . . — Except where indicated, annual incom e under this provision refers to total incom e of p e r sons covered .

"M aximum schedule allowance" re fers to the surgical schedule allowance fo r the m ost costly single operation; often used to identify the type o f schedule, i . e . , a "$ 2 0 0 ," " $ 2 5 0 , " or "$ 3 0 0 " schedule.

M edical care a llow ances. — Generally, these benefits are not payable for treatment rece ived in connection with or following an operation . H owever, under som e plans providing for in-hospital m edical benefits, the maximum amount of m edical benefits payable is determ ined according to a specified form ula if an operation is perform ed during the period m edical care allowances are otherwise payable. W herever such a form ula is included in the plan, the details are set forth in a footnote.

M aternity P rovisions

Hospital and m edical care benefits described in this s e c tion are those available for norm al delivery cases . Usually, higher allowances or benefits are provided in those cases where obstetrica l com plications a r ise ; these benefits are not described in this rep ort.

Benefits available to newly insured.— This re fers to the additional period o f coverage under the plan, if any, required of the em ployee and /or dependent before maternity benefits are available .

Other Benefits

This section includes those benefits provided under the plan and not described elsew here in the digest. Out-of-hospital allow ances fo r anesthesia, X -ra y , e lectrocard iogram s, e t c . ,


3

where provided, are included in this section . Where such benefits are provided only during hospital confinement, they are considered part of the "extra allowance or s e rv ice s " under the hospitalization section.

Extension of Benefits

Benefits made available to retired em ployees and their dependents under the program are covered in this section. Benefits paid for entirely by the em ployee are included only if available on a group rate basis . Coverage available to retired workers and /or their dependents through conversion to individual p re mium rate policies are not included in this report.

Usually, the em ployee must be retired by the company or be retired under the provisions of a retirem ent program in order to be eligible for plan benefits. G enerally, such re tire ment is based on age and /or serv ice requirem ents. When qualifications for coverage are indicated in the plan, these are noted in the appropriate benefit colum ns.

Financing

Company only.— This term is used when the company pays the full cost of all benefits for the covered group or when the only payment the em ployee makes is that required by State tem porary disability statutes. When the latter is the case , this is indicated by a footnote. If the basic benefits are company financed but additional benefits are available on a contributory basis or at the employee* s sole cost, the method of financing has been designated as “ company only11 with a footnote explaining this option.

If benefits for the retired worker or the retired worker and his dependents are paid for from a fund to which only the company contributes, these benefits are noted as financed by “ company only" with an accompanying footnote.

Jointly.— Benefits for the covered group are considered "jo in tly" financed even if the em ployer or em ployee pays part of the cost o f only one of the benefits provided and the other benefits are financed solely by the em ployer or em ployee. If benefits for the retired worker or the retired worker and his dependents are financed by contributions o f the active employee and the company, the benefits are considered "jo in tly" financed.

Amounts of contribution.— Information is provided only to the extent that details are available in the literature describing the plan. No attempt was made to determine the actual amount o f contribution or cost in those cases where the plan simply stated that the company or em ployee paid the "full c o s t" or ,fbalance of c o s t .11


4

S E L E C T E D H E A L T H A N D

COMPANY, UNION, AND

DATE OF INFORMATION

ELIGIBILITYREQUIREMENTS LIFE INSURANCE ACCIDENTAL DEATH AND DISMEMBERMENT

New em ployees becom e

eligible—Amount

If permanently and totally disabled

C asescovered

Amount

Before age—

Insurance is— Graduated according to— Death

Singledism em berment

Multi-d ism em bermentMaintained Paid in—

Colt1 s Manufacturing Company

Automobile W orkers (CIO)

September 1954

After 8 weeks' employment

$2,000 60 X N onoccu-pational;occupational

$2,000 $1,000 $2,000

Am erican Sugar Refining Company

Longshoremen (AFL)

August 1954

After 3 months' employment

Up to 9 m onths'service— $500; thereafter insurance in creases $100 per year of service up to maximum of $1 ,000 .

National B iscuit Company

Bakery and Confectionery Workers (AFL)

October 1954

Life insurance: B efore age 65: 60 Installments N onoccu-pational

Service

$1,0001,1001,2001,3001,4001,500

$500550600650700750

$1,0001,1001,2001,3001,4001,500


Other benefits: A fter 6 months' employment

Men— $4,000 Women— $2,500

After age 65:At age o5, insurance reduced 2 percent each month to an amount which varies according to years em ployee con tributed to plan: F o r employees having contributed 20 ye a rs , insurance reduced to 40 percent (but not less than $1,200); for each year of contribution less than 20, insurance con tinued is \lk percent less than 40 percent, minimum 25 percent for 10 years o f contribution; fo r em ployees who contributed to plan less than 10 years, insurance im m ediately reduced to $500.

6 months to 1 year__1 year to 2 years-----2 years to 3 years-----3 years to 4 years-----4 years to 5 years-----5 years and over-------

Campbell Soup Company (Camden, N. J .)

Packinghouse W orkers (CIO)

August 1954

Accident and sick - ness benefits:

$2,000 60 X —

Immediately or 1st o f following month

Other benefits: After 50 days' employment

After age 60

For 1 year


I N S U R A N C E P L A N S

ACCIDENT AND SICKNESS HOSPITALIZATION

Casescovered Amount

Duration of benefits Benefits beginDaily

benefitor

serviceDuration

Extendedcoverage Maximum

room and board

allowance

Extra allowance or service

Peryear

Perdisability

Emergencyout-patient

carePeriodExcept

Accident Sickness Days DailyamountAfter

age—Benefits limited

to—

Nonoccupa-tional

$30 per week 15 weeks per d is ability

1st day 8th day Employee

Up to $ 12 31 days — $372 Up to $240 — X Up to $240

Dependents

Up to $ 10 31 days — — $310 Up to $200 — X Up to $200

Nonoccupa-tional

Basic weekly Weekly earnings benefit

Less than $ 3 0 ____ $12$30 to $ 4 0 _________15$40 to $ 5 0 _________ 20$50 to $ 6 0 _________ 25$60 to $ 80 _________ 30$80 and over _ 40

13 weeks per d is ability

70 Discontinued 1st day 8th day Employee and dependents 1

Sem iprivateroom

1st year under plan, 30 days;2d year,40 days;3d .year,50 days;4th year,60 days; thereafter, 70 days

Full cost of specified serv ices

X

Nonoccupa-tional

B asic weekly W eekly earnings benefit

L ess than $ 3 5____ $18$35 to $40 21

2 6 weeks per d is ability

8th day 8th day Employee

Up to $ 10 31 days — $310 Up to $ 100 — X Up to $ 100

$40 to $ 4 6 ________ 24$46 to $52 _ 27 $52 to $58 30

Dependents

$58 to $63 _ 33$63 to $ 6 9 ________ 36$ 69 and over______ 40

Up to $ 6 31 days $186 Up to $ 60 X Up to $60

Nonoccupa-tional

T w o-thirds o f average weekly wage—Minimum— $ 10 per week Maximum— $30 per week


8th day 8th day Employee and dependents

Sem iprivateroom

70 days Full cost of specified serv ices

X

A ssociated Hospital Service o f Philadelphia (Blue C ross plan); employees in other areas covered by different program s,



COMPANY, UNION. AND

DATE OF INFORMATION

C olt 's Manufacturing Company


September 1954

American Sugar Refining Company

Longshoremen (AFL)

August 1954


Bakery and Confectionery Workers (AFL)

October 1954


Packinghouse W orkers (CIO)

August 1954

SURGICAL MEDICAL

Up to schedule allowance

accepted as full payment if annual income is under—

Operation schedule— selected allowances

Employee Dependents

C overs case 8 in—


accepted as full payment if annual income is under— Home

Allowance

Office Hospital

E lsewhere

Maximum schedule allowance$200 $200

Tonsillectom yUp to $30 Up to $30

AppendectomyUp to $ 100 Up to $ 100

Hospital, o ffice , home, elsewhere

$4 for each day of confinement

$

Employee

Maximumcompensation

Benefits begin

Sickness Accident

Maxi-" mum

number v is it8 paid for

Maxi- mum

number day 8 paid for

124 per disability 1st day 1st day 31 per disability

Maximum schedule allowanceJZOO I $200_______ Tonsillectom yUp to $30 Up to $30

_______ Appendectomy-Up to $ 100 [Up to $100

Hospital Up to $3 per visit

Up to $3 per visit

1st day, up to $10; 2d day, up to $5; thereafter, up to $ 3 per day

Home and o ffice :$ t3 per year

H ospital:$219 per disability

Home Homeandoffice :

andoffice:

4th v isit 4th visit

Hospital: Hospital:1st day 1st day

Homeando ffice :1 per day; 21 per year

Hospital: 70 per disability


TonsilleictomyUp to $30 Up to $25

Appendec tomyUp to $100 Up to $ 100



$93 per disability 1st day 1st day 31 per disability

Maximum schedule allowance$200 f2 0 0


Hospital

Up to $1Cjctomy Up to $ 100


I N S U R A N C E P L A N S - Continued

MEDICAL - Continued MATERNITY PROVISIONS

Dependents

Allowance

Office H ospital

E lse where

Benefits beginMaximum

compensation Sickness

A cc ident

Maximum

numbervisitspaidfor

Maximum

numberdayspaidfor

Otherprovisions

Accidentand

sickness

Hospitalization Surgical Medical

Dailybenefit

orservice

Duration

Maximum room and

board allowance

Extraallowance

orservices

Lumpsum

Scheduleallowance

fornormaldelivery

Amountsand

limitations

Employee

— — ~ — Up to $120

Up to $50 —

Benefits available to newly insured

Regular benefits for 6 weeks

Employee and dependent:A fter 9 months

Dependent

_ _ _ Up to Up to $ 50$100

1st day, up to $10;2d day, up to $5;thereafter, up to $3 per day

$219 per disability 1st day 1st day 70 per d isability

One in hospital consultation allow ance per disability, up to $10


Employee and dependent

Up to Up to $60 $75

(‘ )

Employee and dependent:Ho spitalization—-immecEately Surgical— after 9 months

Employee:Accident and sickness— after 9 months

$3 for each day o f con fin e ment



Employee

— — — — Up to $100

Up to $ 50 —

Dependent

Up to $60

Up to $50

Employee and dependent:If pregnancy com m ences while insured

Regular benefits fo r 4 weeks


Sem i-privateroom

7 days Full cost o f sp ec ified serv ices

Up to $60

Employee and dependent: Hospitalization— after 9 months Surgical— imme diately

Employee:Accident and sickness— im m ediately

1 A ssociated Hospital Service o f Philadelphia (Blue Cross plan); employees in other areas covered by different program s.



COMPANY, UNION, AND

DATE OF INFORMATION

OTHER BENEFITS1 EXTENSION OF BENEFITS TO— (must be at least on group rate basis)

Types and amounts

Retired employee Dependents o f retired employee

Life insuranceAccidental death and

dismemoermentHospitalization Surgical M edical Life

insuranceH ospitali

zation Surgical M edical

C o lt 's Manufacturing Company

Automobile Workers (CIO)

September 1954

Same as for active employee but lim ited to 31 days per year

Same as for a c tive em ployee but lim ited to $200 per year

Same as for active em ployee but lim ited to $124 per year

Am erican Sugar Refining Company

Longshoremen (AFL)

August 1954

$1,000


Bakery and Confectionery W orkers (AFL)

October 1954

Same as for a c tive employee


Packinghouse W orkers(CIO)

August 1954

1 Such benefits as X -ra y , anesthesia, and e lectrocard iogram allowances may be provided under some plans, although not listed here. Reasons fo r not listing such benefits a re set forth in EXPLANATORY NOTES.


9


FINANCING

Benefits for employee

Benefits for em p loyee 's dependents

Benefits for retired employee

Benefits for dependents of retired employee Amount of contribution for—

Companyonly Jointly Company

onlyEmployee

onlyCompany

only Jointly Employeeonly

Companyonly

Employeeonly

Benefits for employee and dependents Benefits for retired employee and dependents

Jointly JointlyEmployee Company Employee Company

X X X Dependents' benefits: £4. lb per month

E m ployee 's benefits:Full cost---- $ 1.67per week

Dependents' benefits:Balance of cost

$2.22 per month Balance of cost

X X X Full cost Full cost

X X X Life insurance before age 65: Men— $ 1.80 per month Women— $0. 90 per month

Life insurance: Before age 65— balance of cost; after age 65— full cost

Other benefits: Full cost

Full cost

X

(M

X E m ployee 's maternity benefits (hospitalization and surgical): Full cost

Dependents' benefits:Full cost

A ll benefits for em - p loyee, except maternity coverage for hospitalization and surgical:Full cost

Except women em ployees electing maternity coverage (hospitalization and surgical) pay full cost of these benefits.


0



COMPANY, UNION, AND

DATE OF INFORMATIONIf permanently and totally disabled Amount

becom e eligible—

AmountB efore age—

Insurance is—C ases

covered Graduated DeathSingle

dism em Multi -

dism em Maintained Paid in—

according to**™ berment berment

D istillery industry, various em ployers

D istillery Workers (AFL) National plan

1st of month after expiration of 30 days fo llowing date of empJovment

$1,500 60 X — N onoccu-pational

— $2,500

<l >

$1,250

<l )

$2,500

(M

June 1954

General Foods Immediately or Annual wage Insurance 2 60 _ Installments _ _ _ _ _Corporation 1st of following

month Less than $1,200 ________ ______ — _ $ 2,000or lump sum (optional)

Various unions $1,200 to $ 1,700 to $2,200 to $3,500 to $4, 500 to $5,500 to and up

$1, 700 _____________________$2,200

________ 3,0004,000

October 1954 $3,500 ....................................$4,500 ....................................$5, 500 _ . . . _

_______ 6,000_______ 8,000

10,000$6, 500 12,000

Brewers Board o f Trade (New York, N. Y .)

Team sters (AFL)

December 1954

1st of month following 4 weeks' employment


$ 1,500 $750 $1,500

If em p loyee 's wages during the 52-week period preceding injury total $5,000 or m ore , amount o f benefit is doubled.Term insurance until age 45; beginning with age 45, combination of term and paid-up insurance; amount of term insurance decreases as amount of paid-up insurance increases


11




Extra allowanceroom and PerDaily

amountboard or service year

Days allowance

Casescovered

Duration of benefits

Except

After age—

Benefits limited

Benefits begin

Accident Sickness

Dailybenefit

orservice

Perdisability


care

N onoccupa-tional

50 percent of average weekly wage—Minimum— $12.50 per week

52 weekE per d isability

1st day 8th day or 1st in hospital

Employee

Up to $7 100 days — — $700 Up to $70 — X —

Dependent wife

Up to $7 100 days — — $700 Up to $60 — X —

Depende:nt child

Up to $6 100 days $600 Up to $40

Employee and dependents

( l ) (M (M (ly (l ) (M (MSem i- 120 days 180 50 percent _ Full cost of se rv _ X Required servicesprivate of cost of ices for 1st 120 providedroom sem i- days; 50 percent

private of cost for addiroom tional 180 days

N onoccupa-tional

$35 per week 13 weekE per d is ability

1st day 8th day Employee and dependents

Semi- 21 days 180 50 percent _ Full cost o f spec Xprivate of cost of ified servicesroom sem i- for 1st 21 days;

private 50 percent ofroom cost for addi

tional 180 days

Up to $7.25

No accident and sickness insurance benefit provided by plan; employees covered by paid sick leave plan.


2


SURGICAL

COMPANY, UNION, AND

DATE OF INFORMATIONUp to schedule

allowance accepted as full

payment if annual incom e is under—

Distillery industry, various em ployers

Distillery W orkers (AFL) National plan

June 1954

General Foods Corporation

Various unions

October 1954

Brewers Board of Trade (New York, N. Y .)

Team sters (AFL)

December 1954


Employee Dependents

C overscasesin—


accepted as full payment if annual incom e is under— Home

Maximum schedule allowancef2 0 0 $200


AppendectomyUp to $110 Up to $ 110


Up to $3 per visit



Appendec tomyUp to $ 150 Up to $150

Hospital, o ffice , hom e, elsewhere

Maximum schedule allowance $225 $225

Tonsillectom yUp to $40 Under age 12,

up to $25;Over age 12, up to $40

Appende c tomyUp to $ 100 Up to $100

Hospital, o ffice , hom e, elsew here

MEDICAL

Employee

Allowance

Office Hospital

E lse where

Maximumcom pensation

Benefits begin

Sickness Accident

" M axl“ mum

number visits paid

__ for__

M axi-mum

numberdayspaidfor

per visit per visitUp to $2 Up to $3 Up to $3 $150 per disability

per visit3d visit or 1st in hospital

1st visit 1 per day

1st day, up to $10; 2d through 5th day, up to $ 5 per day; 6ththrough 21st day up to $4 per day;

$454 per disability 1st day 1 st day 201 per d isa bility

thereafter, up to $2 per day


13



Dependents

Allowance

Office H ospital

E lse where

Maximumcompensation

Benefits begin

Sickness

A cc ident

iMiaxi-mum

numbervisitspaidfor

Maxi-mum

numberdayspaidfor

Otherprovisions

Accidentand

sicknessDaily Maximum Extrabenefit Dura room and allowance Lurr.p

or tion board or sumservice allowance services

Hospitalization Surgical

Scheduleallowance

fornormaldelivery

Medical

Amountsand

limitations




— — Up to $70

Up to $50

(l )

Employee and dependent: A fter 9 months


<*)Sem i-privatetoom

10days

Full cost o f se rv ices

Up to $125

Employee and dependent:If pregnancy com m ences while

1st day, up to $10;2d through 5th day, up to $5 per day; 6th through 21st day, up to $4 per day; thereafter, up to $2 per day

$454 per disability 1st da) 1st day 201perd isa bility

One in - hospital consultation allow* ance per disability, •up to $ 10


Employee and dependent Employee and dependent:

Up to $80

Up to $70

Immediately

Allowance o f $ 70 (less p rior hospital benefits) provided for nonhospital delivery following fu ll-term pregnancy. No accident and sickness insurance benefit provided by plan; employees covered by paid sick leave plan.


14


COMPANY, UNION, AND

DATE OF INFORMATION


Types and amounts



di smemoe r mentHospitalization Surgical M edical Life

insuranceHospitali


D istillery industry, various em ployers

Distillery W orkers (AFL) National plan

June 1954

Allowance for m iscellaneous charges for nonhospitalized surgical cases:Employee— up to $70 per disability Em ployee's wife— up to .V oO per disability Em ployee's child— up to $40 per disability

$ 1, 500

General Foods Corporation

Various unions

October 1954

Retiring at age Retiring at age 55 Retiring Same as for retired em ployee

Same as for r e tired em ployee

55 or later with with 15 years ' serv- at age 5515 ye a rs ' serv - ice or at age 65: with 15ice :Amount of paid- up insurance a c cumulated prior to retirem ent or $1 ,000 , whichever greater 2

Same as for active employee except a llowance for extra services limited to $500

years ' service or at age 65:Same as for a c tiveemployee

Brewers Board of Trade (New York, N. Y .)

Team sters (AFL)

December 1954


Anesthesia allowance for nonhospitalized surgical cases— up to $10

1 Such benefits as X -ray, anesthesia, and electrocardiogram allowances may be provided under som e plans, although not listed here. Reasons fo r not listing such benefits are set forth inEXPLANATORY NOTES.

2 Provided employee prior to retirem ent continuously contributed for paid-up insurance and does not, at any time, surrender it for cash.Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

15


FINANCING




Benefits for dependents o f retired employee Amount of contribution for—



Companyonly Jointly Employee

onlyCompany


Benefits for employee and dependents Benefits fo r retired employee and dependents

Employee Company Employee Company

X X X Dependents' benefits: Full cost

E m ployee' s benefits: Full cost

Full cost— $ 1.25 monthly per $1,000 insurance

X X X X T erm life insurance: Term life insurance: Life insurance:B efore age 4 5 i — $0.30 monthly per $1,000 insurance

Paid-up insurance after age 4 5 1: Full cost— $0.65 monthly per $1,000 insurance

Hospitalization and surgical: benefits for employee only, $1.70 per month; for employee and one dependent, $3 .80; for employee and m ore than one dependent, $5.50

Before age 45, balance of cost; after age 45, full c o s t 1

Hospitalization and surgical:Balance of cost

Employee contribution < insurance (financed by < to retirem ent) continue! pany pays cost of differ em ployee-financed paid (if less than $1,000) an minimum coverage of $

Hospitalization and surgical:Same as active em ployee

ceases, paid-up employee prior 3 in effect; com - ence between -up insurance d guaranteed .1,000

Hospitalization and surgical:Balance of cost

X X Full cost— $9.25 per month

1 Up to age 45, life insurance is term insurance; after age 45,combination of term and paid-up insurance. A fter age 45, em ployee 's total contributions go toward purchasing paid-up insurance. Company maintains term insurance. Amount o f term insurance decreases as amount o f paid-up insurance in creases.


16

S E L E C T E D W E A L T H A N D

ELIGIBILITYREQUIREMENTS

COMPANY, UNION, AND

DATE OF INFORMATION New em ployees becom e

eligible—Amount

Arm our and Company

Meat Cutters (AFL); Packinghouse Workers

(CIO)

Life insurance and accident and sick ness benefits:After 6 months' employment

Age at time of employment

Under age 55M e n ______ . . . . ___—___—___W om en____________ ______

Over age 55 _ ___—_ ________August 1954

Other benefits: 1st of month fo l- lowing 6 months* employment

Swift and Company

Meat Cutters (AFL); Packinghouse W orkers

(CIO);Packinghouse W orkers

(Ind.).


( l )

LIFE INSURANCE ACCIDENTAL DEATH AND DISMEMBERMENT


B efore age—

Insurance is—Cases

covered Graduated according to-

Maintained Paid in—

Insurance 60 Installments

Amount

DeathSingle

d ism em berment

Multi - dism em berment

$2,200$1,900$ 1 ,1 00

August 1954

Liggett and M yers Tobacco Company


August 1954

After 3 m onths' employment

Basic annual pay

Less than $ 2 ,5 0 0 . $2,500 to $ 3 ,0 0 0 . $3,000 to $ 3 ,5 0 0 . $3,500 to $ 4 ,0 0 0 . $4,000 to $ 4 ,5 0 0 . $4,500 to $ 5 ,0 0 0 . $5,000 to $ 5 ,5 0 0 . $5, 500 to $ 6 ,0 0 0 . $6,000 to $6, 500. and up

Philip M orris and Company


September 1954


Yearly base pay

Less than $1,500 to $2,000 to $2,500 to $3,000 to $3,500 to $4,000 to $4,500 to $5,000 to $5,500 to $6,000 to and up

$ 1 ,5 0 0 .$2 ,000.$ 2 ,5 0 0 .$ 3 ,0 0 0 .$ 3 ,5 0 0 .$ 4 ,0 0 0 -$ 4 ,5 0 0 -$ 5 ,0 0 0 .$ 5 ,5 0 0 -$ 6 ,0 0 0 .$ 6 ,5 0 0 .

Insurance 60 Until normal

$ 5,0006,0007.0008.000 9,000

10,00011 ,00012,00013,000

retirem ent age, then reduced 10 percent im m ediately and 10 p e r cent annually thereafter to 50 percent of amount in effect prior to initial reduction

Insurance 60 X

$ 3,0004.0005.0006.0007.0008.000 9,000

10,00011,00012,00013,000

Company makes available life insurance on a contributory basis


17



Casescovered Amount

Duratidn of benefits Benefits beginDaily

benefitOI

serviceDuration


room and board

allowance


Peryear

P erd isa bility


carePeriodExcept



to—

Nonoccupa-tional

(M

Men— $12 per week Women— $9 per week

(*)


(M

1st day

(M

8th day Employee and dependents

(MSem i-privateroom


X Required services provided

(1 2) (2) (2) (2) (2) (2) (2)


Semi-privateroom



Nonoccupa-tional

50 percent o f weekly rate of pay—Maximum— $40 per week

13 weeks per d isability

6th workday

6th workday

Employee and dependents 3

Sem iprivateroom

60 days 180 50 percent of cost of sem i- private room

Full cost of specified serv ices for 1st 60 days; 50 percent o f cost for additional 180 days


Nonoccupa-tional

50 percent of weekly rate of pay—Maximum— $40 per week


8th day 8th day Employee and dependents 3

Sem iprivateroom

60 days 180 50 percent o f cost of sem i- private room



1 Not available to em ployees over age 55 at time of employment.2 No accident and sickness insurance benefit provided by plan; employees covered by paid sick leave plan.3 Virginia Hospital Service A ssociation (Blue Cross plan); employees in other areas covered by different program s. During 1st year o f plan m em bership, benefits limited to 30 days per year

plus full cost of specified serv ices .Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

18


COMPANY, UNION, AND




Armour and Company


(CIO)

August 1954

SURGICAL


Employee Dependents

Maxim vim schedule allowance "$300 $300

Up to $ 6oTonsillectom y

Under age 12, up to $35; ovei age 12, up to $60

_______ AppendectomyUp to $15 0 Up to $ 150

C overscases

Hospital, o ffice , home elsewhere

MEDICAL



Employee

Allowance

Home Office

1st visit, up to $10; thereafter, up to $3 per visit

Hospital

E lse where

Maximumcom pensation Sickness Accident

$217 per disability

Benefits begin

1st day 1st day 1 per day; 70 per disability

Mamum

numbervisitspaidfor

M axi-mum

numberdayspaidfor

Swift and Company

Meat Cutters (AFL); Packinghouse Workers

(CIO);Packinghouse Workers

(Ind.)

August 1954

Maximum schedule allowance“$3o6 ' J J U T

Up to $60Tonsillectom y


Under age 12, up to $35; over age 12, up to $60

1st day, up to $ 10; thereafter, up to $3 per day

$217 per disability 1st day 1st day 70 per d isa bility

_______ App<Up to $ 150

AppendectomyUp to $150

Liggett and Myers Tobacco Company


August 1954

Individual co v e r age, $2,400; husband and wife, $3 ,200 ; fam ily, $4,000

O

Maximum schedule allowance $150 "$150

_____ Tonsillectom y______Under age 19, Under age 19, up to $35; up to $35; over age 19, over age 19, up to $40 up to $40

Hospital,o ffice

( ' )

Individual co v e r age, $2,400; husband and wife, $3,200; fam ily, $4,000

(l )

Up to $ 7!

V )

Appende c tomyUp to $75

(1)

1st day, up to $10; 2d and 3d day, up to $5; thereafter, up to $3 per day

(l )

$ 116 per year

( l )

4th day re tro active to 1st

(l )


(l )

35 per year

(l )



September 1954

Individual co v e r age, $2,400; husband and w ife , $3,200 ; fam ily, $4,000

(M

Maximum schedule allowanceTBS------------ -------------------$150

______Tonsillectom y______Under age 19, Under age 19 up to $35; ' up to $35;over age 19, aver age 19, up to $40 up to $40

Hospital,o ffice

(l )

Individual co v e r ge, $2,400 ;

husband and w ife, $3,200; fam ily, $4,000

O

Up-to”T75

(l )

Appe nde c tomy_____b p "to $7$

1st 3 days, up to $5 per day; thereafter, up to $3 per day

(l )

$111 per year

o


(l )


<l )

35 per year

(l )

(l )

Virginia M edical Service A ssociation (Blue Shield plan); em ployees in other areas covered by different program s.


19



Dependents

Otherprovisions

Accidentand

sickness

Ho spitali zation Surgical Medical


AllowanceMaximum

compensation

Benefits begin Maximum

numbervisitspaidfor

Maximum

numberdayspaidfor

Dailybenefit

orservice

Duration

Maximum room and

board allowance

Extraallowance

orservices

Lurr.psum

Scheduleallowance

fornormaldelivery

Amountsand

limitationsHome Office Hospital

E lse where

Sickness

A cc ident

1st vis it, up to $10; thereafter, up to $3 per visit

$217 per disability 1st day 1st day 1 per day; 70 per disability


Employee and dependent Employee and dependent: After 9 months

Sem i-privateroom

70 day* Full cost o f sp ec ified serv ices

Up to $90 1st visit, up to $10; thereafter, up to $3 per visit; maximum, $217; lim ited to 1 in -hospital visit per day up to day of delivery

1st day, up to $10; thereafter, up to $3 per day

$217 per disability 1 st day 1stday 70 per d isa bility

(M Employee and dependent Employee and dependent: A fter 270 days

Sem iprivateroom


Up to $90

1st day, up to $10;2d and 3d day, up to $5;thereafter, up to $3 per day

<*>

$ 116 per year

(1 2 )

4th day retro active to 1st

(2)


(2)

35 per year

(2)

2 in - hospital consultation allow ances per disability: 1st consultation, up to $10; 2d consultation, up to $5

(2)

Employee and dependent 2 Employee and dependent: After 10 months

Sem iprivateroom

10 day* Full cost of spec ified s e rv ices

Up to $75 Regular benefits if specialist services are re quired due to grave com plications

1st 3 days, up to $ 5 per day; thereafter, up to $3 per day

(D

$ 111 per year

(2 )


(2)


(2)

35 per year

(2)

In-hospital consultation (1 only during any one d isa bility), up to $10; 2d and 3d (lim it 3 in any con tract year), up to $5 each

____ CD____

Employee and dependent2 Employee and dependent: After 10 months

Sem iprivateroom

10 days Full cost o f spec ified serv ices

Up to $75 Regular benefits if specialist services are r e - / quired due to grave j com plications .

1 No accident and sickness insurance benefit provided by plan; em ployees covered by paid sick leave plan.2 Virginia Hospital Service and V irginia Medical Service Associations (Blue C ross and Blue Shield plans); em ployees in other areas covered by different program s.


20


COMPANY, UNION, AND

DATE OF INFORMATION

OTHER BENEFITS 1 EXTENSION OF BENEFITS TO— (must be at least on group rate basis)

Types and amounts



dismembermentHospitalization Surgical M edical Life

insuranceHospitali


Arm our and Company


(CIO)

August 1954


P olio a llow ance.— (in addition to other Dlan benefits for expenses incurred within 3 years of contraction) — up to $5,000

With 20 year service ;ItTsoo

Swift and Company


(CIO);Packinghouse W orkers

(Ind.)

August 1954

Employee and dependents1 2

Polio allow ance.— (in addition to other plan benefits for expenses incurred within 3 years o f 1st treatment)—-up to $ 5,000

Same as for active employee


Same as fo r active em ployee

Same as for retired em ployee



Liggett and M yers Tobacco Company


August 1954


X -r a y s .— (incident to diagnosis and made during hospital stay or within 30 days before adm ission, the initial one for accident cases not needing hospitalization, and deep therapy treatments if m edical services provided)— up to $50 per year but not m ore than 50 percent of the schedule fee for each included X -ra y service rendered3

Amount in effect im m ediately prior to retirem ent reduced 10 percent on date o f retirem ent and 10 percent annually thereafter to 50 percent o f amount in effect before initial reduction



September 1954


X -r a y s .— (incident to diagnosis and made during hospital stay or within 30 days before adm ission, the initial one for accident cases not needing hospitalization, and deep therapy treatments i f m edical services provided)— up to $50 per year but not m ore than 50 percent of the schedule fee for each included X -ra y service rendered3

Retiring at age 55 to 65;Amount in effect im m ediately prior to retirem ent maintained until age 65, then r e duced to $2,000

Retiring at age 6 5 o r later:$2Tood------

1 Such benefits as X -ray , anesthesia and e lectrocard iogram allowances m ay be provided under som e plans, although not listed here. Reasons for not listing such benefits are set forth in EXPLANATORY NOTES.

P olio insurance also extended to retired em ployee and his dependents.3 Virginia M edical Service A ssociation (Blue Shield plan); em ployees in other areas covered by different program s.Digitized for FRASER

http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

21


FINANCING




Benefits for dependents o f retired em ployee Amount of contribution for—




onlyCompany




X X X

-

Full cost Full cost

X X X X Full cost Full cos t

X X X Dependents' benefits: E m ployee1 s benefits: Full costFull cost Full cost

X X X Dependents' benefits: E m p loyee 's benefits: Full costFull cost— benefits fo r wife (with maternity) or husband or child, $2 .8 5 per month; for wife (with maternity) o r husband and children, $4 .05 ; fo r other m em bers o f fam ily o v e ra g e 19, $ 2 .8 5 each1

Full cost

1 If husband and wife are em ployees o f company, each pays $ 1.20 per month fo r children* s coverage.


22


COMPANY, UNION, AND

DATE OF INFORMATION



eligible- —Amount


Casescovered

Amount

Before age—



Multi- dism em - bermentMaintained Paid in—

Am erican Woolen Company

Textile Workers (CIO)

August 1954

After 30 days' employment

$500 65 F or 1 year (or for period insured, if less than 1 year)

N onoccu-pational;occupational

$1, 500 $ 750 $1, 500

Arm strong Cork Company


July 1954

Immediately or 1st of following month

Annual rate o f earnings Insurance

L ess than $601- __ _ _ ____ $ 600$601 to $901 __ ___ _______________ ___ 1,000$901 to $ 1 ,5 0 1 _________________________________ 1,200$1,501 to $ 2 ,1 0 1 ................................................... 1,800$2,101 to $ 2 ,7 0 1 ______________________________ 2,400$2,701 to $3,301 ................. ........................ ...... 3,000$3,301 to $3,901 .................................................... 3 , 600$3,901 to $ 4 ,5 0 1 ______________________________ 4,200$4,501 to $ 5 ,1 0 1 .................................................... 4,800$5,101 to $ 5 ,7 0 1 ______________________________ 5,400$5,701 to $ 6 ,3 0 1 ______________________________ 6,000and up

60 Installments

Bigelow-Sanford Carpet Company

Textile W orkers (CIO)

February 1955


Men:B asic weekly earnings Insurance

Less than $36 — ___ ____$1,250$36 to $ 4 8 . . - ____ - „ 1,500$48 to $ 6 0 ____________________________________ 2,000$60 and o v e r _________________________________ 2,500

Women:$625

60 X

Cone M ills Corporation


August 1954


$1,000 60 X


23




Extended coverage Maximum Per

disability

Emergencyout-patientCases

covered Amount Except benefitor Duration

Dailyamount

room and board


Peryear

Period After age—

Benefits limited to—

Accident Sickne s s service Days allowance

Nono.ccupa-tional

$25 per week 13 weeks per d is-

60 13 weeks during any 12 consecu-


ability tive monthsUp to $9 31 days $279 Up to $300 for

sera , oxygen, oxygen tent, face mask and helium, plus up to $ 135 for additional services

X

Dependents

Up to $ 8 31 days $248 Up to $300 for sera , oxygen, oxygen tent, face mask and heliun, plus up to $ 135 for additional services

X

Nonoccupa- Annual rate o f W eekly 26 weeks 60 26 weeks during 8th day 8th day Employee 1tional earnings benefit per d is any 12 consecu

Less than $ 1 ,5 0 1__$20$1,501 to $2,101 — 25 $2,101 to $ 2 ,7 0 1 - . 30

ability tive months$7.50 31 days 120 $3.75 $682.50 Up to $75 — X Required services

provided

$2,701 to $ 3 ,3 0 1 - . 35 $3,301 to $ 3 ,9 0 1 — 40 $3,901 and over____45

Dependents 1

U p to $7.50

31 days 120 Up to $3. 7E $682.50 Up to $75 X Required services provided

N onoccupa- Basic weekly Weekly benefit 13 weeks 60 13 weeks during 1st day 8th day Employee and dependentstional earnings Men Women per d is- any 12 consecu

Less than $28 $14.00 $10.50$28 to $ 3 6__17.50 13.00$36 to $ 4 8 — 21.00 16.00 $48 to $ 6 0 — 28.00 21.00 $60 and over 35.00 26.00

ability

(*)

tive monthsUp to $8 31 days $248 Up to $30 X Up to $40

Nonoccupa-tional

$12.50 per week 13 weeks per d is

60 13 weeks during any 12 consecu


ability tive months, if due to sickness Up to $6 31 days

'

$186 Up to $60 X Up to $25

1 M ore liberal benefits available to em ployees paying the additional cost.2 An additional 13 weeks is provided em ployees (with at least one y ea r 's service) suffering from active cases o f tuberculosis.


24


COMPANY, UNION, AND



payment i f annual income is tinder—

SURGICAL


Employee Dependents

C overscases

MEDICAL


accepted as full payment if annual incom e is under—

Employee

Allowance

Home Office H ospital

E lsewhere


Benefits begin hiaxi-mum

numbervisitspaidfor

M axi-mum

numberdayspaidfor



August 1954

Maximumschedule

allowance$225


Tonsillectom y Up to $37.50

A ppende c tom yUp to $150



July 1954

Maximum schedule allowancemra------- iszso-------- Hospital, o ffice , home, elsewhere

Tonsillectom y Up to $40 |Up to $40

______ Appende ctom y_____Up to $125 (Up to $ 125



February 1955



Appende c tomyUp to $100 Up to $100



AppendectomyUp to $100 ||Up to $100




August 1954



25



Dependents

Office H ospital

E lse where


com pensation Sickness

A cc ident

Maxi-mum

numbervisitspaidfor

M axi-mum

numberdayspaidfor

Otherprovisions

Accidentand

sickness

Hospitalization

Dailybenefit Dura

tion

Maximum room and

board allowance

Extraallowance

services

Lumpsum

Scheduleallowance

fornormaldelivery

Surgical Medical

Amountsand

limitations



Employee 1

$7.50 10days

$75 Up to $52.50

— Up to $ 60 —

Dependent1

Up to $7.50

10days

$75 Up to $52.50

Up to $ 60

Employee and dependent: Hospitalization and surgical- after 9 months

Employee:A ccident and sickness— imm ediately


$150 maternity allowance




Up to $6

14days

$84 Up to $60 Up to $50


1 M ore liberal hospitalization benefits available to em ployees paying the additional cost.


26


COMPANY, UNION, AND

DATE OF INFORMATION


Types and amounts




insuranceH ospitali

zation Surgical Medical



August 1954



July 1954

Same life insurance scale as for active employee but amount based on annual retirem ent Income with follow . Lng minimums:Age 55 to 65 with 15 yea rs ' serv ice , $ 1,000; age 65 or over with 15 to 25 years ' serv ice ,$ 1,000; age 65 or over with 25 or more y ea rs ' serv ice, $1,250

If continuously insured for 5 years immediately p re ceding retirem ent, $7. 50 per day for maximum of 62 days during retirem ent plus $150 for extra services 1 2



February 1955

50 percent o f amount in effect im m ediately prior to retirem ent; minimum— $ 500



August 1954

1 Such benefits as X -ra y , anesthesia and electrocardiogram allowances may be provided under some plans, although not listed here. Reasons fo r not listing such benefits are set forth in EXPLANATORY NOTES.

2 M ore liberal benefits available to em ployees paying the additional cost.Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

27


FINANCING


Benefits for em ployee*s dependents






onlyCompany




X X Full cost



X _ _ _ X _ ___ ____ . . _ Dependents' benefits: E m ployee 's benefits: ___Full cost Full cost


28



COMPANY, UNION, AND


Botany M ills

Textile W orkers

eligible—

(CIO)


$500

Amount

October 1954

Fur manufacturing and retailing industry, Associated Fur Manufacturers, and other em ployers (New York,

1st of month fo l- Craftworkers and designer! lowing month in F loorw orkers— $200which 13 weeks' covered em ployment is com pleted

N. Y .)

$400

Fur and Leather W orkers (Ind.)

September 1954

M illinery industry, Eastern W om en's Head- wear A ssociation , and other em ployers (New York, N. Y .)

Hatters, Cap and M illinery W orkers (AFL)

August 1954

Life insurance: Union membership and either cumulative m embership o f not less than 15 years with last 2 years consecutiv< and imm ediately preceding death or 5 y ea rs ' union m em bership im m ediately p reced ing death

$400

Maternity benefits Union m embership and 3 yea rs ' cov ered employment

Other benefits:6 m onths' union m embership and covered em ployment

LIFE INSURANCE


B efore age—

Insurance is

Maintained Paid in

ACCIDENTAL DEATH AND DISMEMBERMENT

Casescovered Graduated

according to— DeathSingle

dism em berment

Multid ism em berment

60 Installments N onoccu-pational;occupational

$ 1,000

(l )

$500

(l )

$1,000

(M

65 F or 1 year N onoccu-pational;occupational

Craftw orkers - Designersp r $200 $400

F loorw orkers$2d0 I $100 |$2bo

Company makes available additional insurance on contributory basis,


29


ACCIDENT AND SICKNESS HOSPIT AL1ZAT ION


Extendedcoverage Maximum Per

disa-Emergencyout-patientCases


Dailyamount

room and board


Peryear

Period After age—


Accident Sickness service Days allowance

— — — — — — Employee

(M (l> (M (M (l ) 0) <MUp to $ 12 120 days — — $1,440 Up to $ 100 — X Up to $100

Dependents

Up to $ 10 120 days $1,200 Up to $100 X Up to $ 100

Nonoccupa-tional

Craftw orkers and flo o r - w orkers only—-$20 per week

13 weeks per d is

— — 8th day ‘ 8th day Einployee and dependents

abilitySem i-privateroom

21 days 180 50 percent of cost o f sem iprivate room

Full cost o f specified se rv ices for 1st 21 days; 50 percent o f cost for additional 180 days

X Up to $7.25

Nonoccupa-tional

O perators, cutters and blockers— 1st 15 weeks,

26 weeks per year

— 1st day 8th day Employee only

$30 per week; thereafter, $22 per weekOther crafts— $22 per week

j

$5 31 days $155 Up to $25 X

No accident and sickness insurance benefits provided by plan; em ployees covered’ by New Jersey State tem porary disability law. See Appendix A .


30


SURGICAL MEDICAL

COMPANY, UNION, AND



payment if annualincome is under—


Employee Dependents

Employee

C overs cases in—



Allowance

Home Office Hospital

E lsewhere

Maximumcompensation

Benefits begin

Sickness Accident

M axi-mum

numbervisitspaidfor

Tdaxi-mum

numberdayspaidfor

Botany Mills


Maximumschedule

allowance■$225


October 1954Tonsillectom y Up to $37.50

Appendectomy’ Up to $150

Fur manufacturing and retailing industry, Associated Fur Manufacturers, and other em ployers (New York, N. Y .)

Maximum schedule

allowance $150-------------

Tonsillectom y Up to $25


Fur and Leather W orkers (Ind.) Appendectomy

Up to $100* September 1954

M illinery industry, Eastern Women1 s Headwear A ssociation, and other em ployers (New York,N. Y .)


August 1954

Maximum schedule

allowance$Too-----------------


Appendectomy" Up to $75



31



Ho sp itali zation Surgical Medical

Dailybenefit

orservice

Duration

Maximum room and

board allowance

Extraallowance

orservices

Lumpsum

Scheduleallowance

fornormaldelivery

Amountsand

limitations

Employee

Up to $12

(l ) Up to d ifference between total room and board charges and $140

Up to $75

Dependent

Up to $10

(*) Up to difference between total room and board charges and $140

Dependents

Allowance


E lse where

Maximumcompensation

Benefits begin

Sickness

A cc ident

Maximum

numbervisitspaidfor

Maximum

numberdayspaidfor

Otherprovisions

Accidentand

sicknessBenefits available to

newly insured

$90 Employee and dependent:If pregnancy com m ences while insured

Employee and dependent Employee and dependent:After 10 months

_ _ _ Up to _$80

Employee only Em ployee:

i 7 5 maternity allowance

Immediately

Total room and board charges and charges for extra services limited to $140.


32


COMPANY, UNION, AND

DATE OF INFORMATION


Types and amounts

Retired employee Dependents o f retired em ployee



insuranceH ospitali


Botany M ills


October 1954

Employee only

Anesthesia allowance for nonhospitalized cases— up to $ 10

$500

Fur manufacturing and retailing industry, A ssociated Fur Manufacturers, and other em ployers (New York, N. Y .)


September 1954

$400 Same as for active employee

Same as fo r retired em ployee

M illinery industry, Eastern Women’ s Head- wear A ssociation , and other em ployers (New York, N. Y .)


August 1954

Em ployee only

X -ra y s , electrocard iogram s, and eye examinations fo r nonhospitalized cases— without charge Deep X -ra y therapy allowance if in lieu o f surgery --- Up to |7aShock treatment allowance fo r full course o f treatment— up to $75

1 Such benefits as X -ra y , anesthesia and electrocard iogram allowances may be provided under som e plans, although not listed here. Reasons fo r not listing such benefits are set forth in EXPLANATORY NOTES.


33


FINANCING








onlyCompany





X _ _ _ X X _ __ _ _ X Dependents' benefits: E m p loyee 's benefits: Dependents' benefits: Em ployee' sFull cost F ull cost— 1 percent Full cost benefits:

<*> o f straight-tim e payroll

Full c o s t1

X Full cost— 2 percentof weekly payroll

1 Financed out o f com pany contributions for benefits for active employee; see company contribution column for benefits for em ployee and dependents.


34


COMPANY, UNION, AND

DATE OF INFORMATION



eligible—Amount


Casescovered

Amount

B efore age—



Multi- dism em bermentMaintained Paid in—

Clothing industry, m en 's and boys ' , various employers

Clothing W orkers (CIO) National plan

December 1954

Accident and sickness benefits: After 4 successive weeks' covered employment

Other benefits: A fter 6 successive months' covered employment, minimum— 500 hours' em ployment in preceding 12 months

$500 At any age

F or 1 year

Dress industry, Affiliated Dress Manufacturers, and other em ployers (New York, N. Y .)

Ladies' Garment W orkers (AFL)

January 1955

Life insurance:1 year* s union membership

Maternity benefits: 15 months' union membership

Surgical and eve glasses benefits: o months' union membership

Other benefits: E ligibility r e quirements o f the New York State temporary d isability law

Union m embership Insurance

1 year to 2 years . — _ _ _ $ 5002 years and over .. _ ___ 1,000

(>)

Lumber industry, various em ployers (Southern California)

Carpenters (AFL)

July 1954

1st o f month fo llowing 80 hours' employment

$1,000 60 X — N onoccu-pational;

$1,000 $500 $1,000

After age 60

F or 1 yearoccupa-pational

Available only to those becom ing union m em bers prior to age 55. Individuals joining union after age 55 are entitled to benefit of $100 fo r each year o f m em bership, maximum— $1,000 .


35




room and Extra allowance Per

Days Dailyamount

boardallowance

or service yearCases

covered

Duratidn of benefits

PeriodExcept

After age—

Benefits limited

Benefits begin

Sickne s s

Dailybenefit

orservice

Perdisa~bility


care

Nonoccupa-tional

$20 per week A cc ident:13 weeks per year

Sickness:13 weeks per year


14th day re tro active to 8th


Up to $ 9 Accident:31 days

Sickness: 31 days

Accident:f2 7 9

Sickness:J T T ) ------

Up to $50 (l ) (l )

Nonoccupa-tional

P re s se r s , cutters, sample m akers and opera tors, $26 per week; fin ishers, drapers, special machine operators and exam iners, $20 per week; cleaners and pinkers, $18 per week

13 weeks per yeax

8th day 8th day Employee only

$5 75 days $375


(*) (*) (a) (a) (*) <2) (a)Up to $11 31 days — $341 Up to $550 — X Up to $ 550

Basic room and board allowance up to stipulated maximums per year; extra allowance o f up to $50 per disability.No accident and sickness insurance benefit provided by plan; employees covered by the California State tem porary disability law. See Appendix A.


36


COMPANY, UNION, AND




SURGICAL

Employee Dependents



Appende c tomyUp to $100 Up to $ 100


C overscasesin—

MEDICAL



Employee

Allowance


E lsewhere


Benefits begin

Sickness Accident

M axi-mum

numbervisitspaidfor

M axi-mum

numberdayspaidfor

Clothing industry, m en'i and boys ' , various em ployers


Decem ber 1954


Provided by the Amalgamated Clothing W orkers ' Health C en ters1

D ress industry, Affiliated Dress M anufacturers, and other em ployers (New York, N. Y .)

Maximumscheduleallowance

$35----------------

Hospital Unlimited diagnostic services and treatment for ambulatory cases provided at Union Health Center


January 1955

Tonsillectom yUpisrm—

Appendectomy U pto $50


Carpenters (AFL)

July 1954


Tonsillectom yUp to $52.50 Up to $52.50

Appende c tomyU pto $150 Up to $150


Up to $5 per visit

$5visit

toper

Up to $5 per visit

$250 per period

6 •month Homeandoffice :

1st day 1 per day

3d day

Hospital: 1st day

1 The Amalgamated Clothing W orkers ' Health Centers, where located, provide ambulatory patients with complete general m edical, diagnostic and therapeutic ca re . Medication furnished at nominal charge. Financing of the Centers varies according to location . F or exam ple, in Philadelphia each em ployer contributes 1.25 percent o f payroll (0 .75 percent fo r em ployees and 0. 5 percent for their dependent husbands and wives); in New York City each em ployer contributes one-fourth o f one percent o f payroll, each employee contributes $10 per year for his coverage and an additional $10 for hisw ife 's coverage.Digitized for FRASER


37



Dependents

Office H ospital

E lse where

Maximumcompensation

Benefits begin

Sickness

A cc ident

Maximum

numbervisitspaidfor

Maximum

numberdayspaidfor

Otherprovisions

Accidentand

sickness

Hospitalization

Dailybenefit

Maximum ExtraDura room and allowance Luirp

tion board or sumallowance services

Surgical

Scheduleallowance

fornormaldelivery

Medical

Amountsand

limitations


See m edical benefits for employees Employee and dependent Employee and dependent:A fter 6 months

Up to $50 —

(M (M (M (l ) (l ) (l ) (M C) ( l ) 0 ) Employee only Em ployee:

i -------------------1-----------------1----------r$50 maternity allowance

Immediately

Up to $3 per visit

$150 per 6-month period

1st day Istday 1 per day

Employee Employee and dependent:

— — — — — Up to $75 —

Dependent

1Up to $ 100

1 1 maternity

1 1 allows

Iince

Immediately

Employee m ay obtain m edical benefits for dependents by paying moderate fees to the Union Health Center.


38


COMPANY, UNION. AND

DATE OF INFORMATION


Types and amounts



di smemoermentHospitalization Surgical M edical Life

insuranceH ospitali


Clothing industry, m en 's and b o y s ' , various em ployers


Decem ber 1954

$500

Dress industry, Affiliated Dress M anufacturers, and other em ployers (New York, N. Y .)


January 1955

Employee only

Eye glass allowance— 1 pair per year

$500 1 2 Same as for active em ployee 3

(4)


Carpenters (AFL)

July 1954

Laboratory and X -ra y examination allowance for nonhospitalized cases:Employee— up to $25 for any one accident or fo r all sicknesses in any one 6-month period Dependents—'-up to $25 for any one accident o r for all sicknesses in any one 12-month period

Additional accident expense allowance:(F or expenses in excess o f those covered by other plan benefits incurred within 3 months after date o f accident)Employee— up to $300 Dependents— up to $150

Polio allowance:(F or expenses incurred within 3 years frorh date of first treatment. If used, no other plan benefit available)Employee and dependents— up to $2.500

1 Such benefits as X -ra y , anesthesia and electrocard iogram allowances may be provided under some plans, although not listed here. Reasons fo r not listing such benefits are set forth in EXPLANATORY NOTES.

2 Retired em ployee may maintain additional $500 insurance at his own expense.3 Retired em ployee also eligible for eye glass allowance.4 Retired em ployee may obtain m edical benefits fo r dependents by paying m oderate fees to the M edical Center.


39


FINANCING








onlyCompany




X X X Full cost— 3 percento f weekly payroll

Full cost

X X _ _ Full cost-—4 .5 p e r cent o f weekly payroll

Life insurance:

(l > (*)Full cost*

Medical benefits:(l ) Full cost*

X X Full cost— $ 10 per month fo r each em ployee working or paid fo r 80 straight- tim e hours

ily dues^to D eath^ B en efitF u nd '^ 011* w M c h a rc p*id to emPlo y«e8 out o£ health and welfare fund. A lso covers cost o f m edical benefits fo r retired em ployee. M em bers pay $ 1 per year (included ina Paid fo r out o f the pension fund which is em ployer-financed.3 See com pany contribution colum n fo r benefits for employee and dependents.


40


COMPANY, UNION. AND

DATE OF INFORMATION



eligible—Amount


Casescovered

Amount

B efore age—




Lumber industry, various em ployers (Oregon, Washington, California, Idaho and Montana)

Woodworkers (CIO)

December 1954

Im mediately or 1st of following month


$3,000 $1,500 $3,000

American Seating Company (Grand Rapids, M ich .)


July 1954

1st of month following 13 w eeks' em ployment

$3,000 60 and insured 1 year

Installments N onoccu-pational;occupational

$2,000 $1,000 $2,000

Furniture Manufacturers in Southern California, Industrial Relations Council of

Carpenters (AFL)

August 1954

Accident and $1,000 60 X N onoccu-pational;occupational

$1,000 $500 $1,000sickness benefits:Immediately or 1st of following month

Other benefits:A fter 30 days' employment

Furniture industry, various em ployers

Furniture W orkers (CIO) National p lan1

July 1954



$1,000 $500 *1 ,000

1 Benefits under this program vary somewhat in different parts o f the country, due prim arily to varying amounts o f em ployer contributions and to utilization o f loca l hospital program s. Benefitsdescribed are those provided in the New York City area.


41


ACCIDENT AND SICKNESS HOSPIT AL iZ AT ION


room and Extra allowance PerDaily


Days allowance

Casescovered Amount

Duration of benefits

Except

Benefits limited

Benefits begin

Accident

Dailybenefit

orservice

Perdisability


care

Nonoccupa-tional

$40 per week— Maximum— 70 percent o f weekly wage


1 st day 4th day Employee

Up to $ 10 180 days — . — $1,800 Up to $500 — X —

Depenidents

Up to $10 180 days $1,800 Up to $200 — X

Nonoccupa-tional

W eeklyearnings benefit

Up to $40____$40 to $50___$50 to $60____$60 and over..

W eekly 1 6 weeks per d is ability

$17.5024.5031.5038.50


Semi-privateroom

120 days Full cost o f specified serv ices


r Employee

Up to $ 14 31 days — — i$434 Up to $280 — X —

Dependents

Up to $10 31 days — — $310 Up to $200 — X —

Nonoccupa-tional

70 percent o f weekly earnings-—Maximum— $35 per week

26 weeks per dis ability

1st day1st in hospital

Nonoccupa-tional

Base weekly W eeklyearnings benefit

L ess than $ 1 5 _____ $10 .00$15 to $20 12.00$20 to $ 2 5 ______ ___ 15.00*25 to $30_ ___ 18.00$30 to $ 35______ — - 21.00$35 to $ 5 0 . - - 22.50$50 to $55 - 25.00$55 to $60 . 27.50$60 to $65 - _ 30.00$65 to $ 70 ______ ___ 32.50$70 and o v e r ___ 35.00

26 weekt per year


5em i-privateroom

21 days 180 50 percent _ Full cost o f _ Xof cost of specified se rv sem i-p ri ices for 1st 21vate room days; 50 percent

o f cost fo r additional 180 days


42


COMPANY, UNION, AND



payment if annual income is under— Employee Dependents



Appendec tom vUp to $150 Up to $150


T onsillec tomyUp to $37.50 Up to $37.50

AppendectomyUp to $125 Up to $ 125

SURGICAL


C overscasesin—

MEDICAL



Employee

Allowance


E lsewhere

Maximumcompensation Sickness Accident

Benefits begin mumnumber

visitspaidfor

kiaxi- mum

number day 8 paid for

Lumber industry, various em ployers (Oregon, Washington, California, Idaho, and Montana)

Woodworkers (CIO)

December 1954

Hospital, office , hom e, elsewhere

Up to $ 5 per visit

Up to $ 3 Up to $ 3 Up to $ 5per visit per visit per visit

$250 per disability 1st visit 1st visit 1 per day



July 1954


Up to $ per visit

5 Up to $3 per visil

$5 for .1 each day

of con finement

Home and o ff ic e : $225 per disability

H ospital:$350 per disability

andoffice :

Hospital:

1 per day

70 perd isa -bility


Carpenters (AFL)

August 1954

Maximum schedule allowance ^300 $150

Tonsillectom y


Up to $4 .50 per visit

Up to $3 per visit

Up to $4.50 per visit


$225 per disability 3d v isit 1 per day

Up to $50 UpTto$25-------

Appendec tomyUp to $200 Up to $100

Maximum sche<iule allowance$250 $200


AppendectomyUp to $150 Up to $100


Furniture W orkers (CIO) National p lan1

July 1954

elsewhere

Up to $3 per visit

Up to $2 per visit

Up t per

to $3 visit

$150 per disability 8th day re tro active to 1st

1st day

1 Benefits under this program vary in different parts o f the country, due prim arily to varying amounts o f em ployer contributions and to utilization o f loca l hospital program s. Benefits described are those provided in the New York City area.


43


MEDICAL - Continued

Dependents Hospitalization Surgical Medical

Allowance Benefits begin Maximum

Maximum Other Accident Daily Maximum Extra Schedule

allowancefor

normaldelivery

Amountsand

limitationsHome Office H ospital

E lse where

Maximumcompensation Sick

nessA cc ident

numbervisitspaidfor

numberdayspaidfor

provisions andsickness benefit

orservice

Duration

room and board

allowance

allowanceor

services

Lumpsum

— — $3 for each day of con finement

— $ 540 per disability 1st day 1st day — 180perd isa bility

— Employee and dependent

(M Up to $ 75

(l)

— — — — — — — — Regular benefits for 6 weeks

Employee

Sem i-privateroom

120days

Full cost of sp ec ified serv ices

Up to $62.50

Dependent

Sem i-privateroom

120days

Full cost o f sp ec ified serv ices

—

— — — — — — — — — — Employee

Up to $10

14days

$140 Up to $ 10C —1

Up to $1001

L ~Dependent

I 1 1Up to $ 100 m aternity allowance

J _____ J L_ _ _ _ _ __ _ Employee Regular Employee

only:If re ce iv ing m edical benefits,

benefitsfo r 6 weeks

— — — Up to $80

Up to $85 —

entitled to 3 visits within 31

Dependent

days after return to work

Up to $80

Up to $50

MATERNITY PROVISIONS


Employee and dependent:If pregnancy com m ences while

Employee and dependent: Hospitalization— after 9 months

Em ployee:Accident and sickness— immediatelySurgical— after 9 months


Employee and dependent: Hospitalization— imme diately Surgical— if pregnancy com m ences while insured

Em ployee:Accident and sickness— if pregnancy com m ences while insured

Total allowance fo r hospitalization and surgical benefits limited to $100.


44


COMPANY, UNION, AND

DATE OF INFORMATION


Types and amounts

R etired employee Dependents o f retired em ployee



insuranceH ospitali


Lumber industry, various em ployers (Oregon, Washington, California, Idaho, and Montana)

W oodworkers (CIO)

December 1954

Diagnostic laboratory and X -ray examination allowance for nonhospitalized cases:Employee and dependents— up to $50 per condition

Supplemental accident expense allowance:(For expenses in excess o f those covered by other plan benefits, incurredNvithin 7 months o f date o f accident)Employee only— up to $300



July 1954


Carpenters (AFL)

August 1954

Diagnostic laboratory and X -ray examination allowance for nonhospitalized cases:Employee—-up to $50 per condition Dependents— up to $25 per condition

P olio allowance:(F or expenses in excess o f those covered by other plan benefits incurred within 2 years o f com m encement o f disability)Employee and dependents— up to $3,000


Furniture W orkers (CIO) National plan1 2

July 1954


Laboratory and X -ray examination allowance for nonhospitalized cases— up to $50 per accident; up to $50 for all examinations made in connection with disease during any 12 consecutive months

1 Such benefits as X -ray , anesthesia and e lectrocard iogram allowances may be provided under some plans, although not listed here. Reasons fo r not listing such benefits are set forth in EXPLANATORY NOTES.

2 Benefits under this program vary somewhat in different parts o f the country, due prim arily to varying amounts o f em ployer contributions and to utilization o f loca l hospital program s. Benefits described are those provided in the New York City area.


45


FINANCING


Benefits for em ployee': dependents


Benefits for dependents o f retired employee Amount o f contribution for—

Benefits for retired employee _________and dependents_________Company

only Jointly Company only Jointly Employee Company

only only Jointly Employeeonly

Company only Jointly Employee

only

Benefits for employee and dependents


See "Amount of contributions " column

E m p loyee 's benefits:Em ployer deducts $13.20 monthly from em p loyee 's paycheck1

Dependents' benefits:Full cost

Dependents' benefits:Full cost— hospitalization, $3 .75 per month; surgical, $1 ,50 per month

Employee* a benefits:Full cost

X

(a>

Full cost— 3 percent o f monthly payroll 2

2 Agreem ents in 1950 provided wage increase of l lk cents per hour to be so le ly for purpose o f financing health and insurance program . Employee contributes only amount required under the California State tem porary disability law.


46



COMPANY, UNION, AND


eligible—Amount



Before age—

Insurance is—



according to—

Amount

DeathSingle

dism em berment

Multi - dism em berment

Upholstering and allied trades industries, various em ployers


Period of insurance coverage Insurance

Under age 60 when first employed

70 F or 1 year N onoccu-pational

000 $1,000 ,000

Upholsterers' (AFL) National plan

August 1954

1st 24 m onths.............................................. ......... .......... $1,00024 to 36 m onths____________ _____________________ 1,100After 36 m onths__________________________________ 1,200

Age 60 or over when first employed

1st 12 m onths--------------- ---- ------------------------------------ $ 2 5012 to 36 m onths__________________________________ 500After 36 m onths__________________________________ 1,000

Robert Gair Company After 6 months' Annual earnings

Paper Makers (AFL)

September 1954

employmentLess than $728 ---------------------------------------$728 to $1,040 _________________________$1,040 to $1,300 _______________________$1,300 to $1,560 _______________________$1,560 to $2,080 _______________________$2,080 to $3, 1 2 0 _______________________$3,120 to $4, 1 6 0 _______________________$4,160 to $6, 500 _______________________and up

International Paper A fter 6 monthsCompany, Northern employmentDivision

Paper Makers (AFL);Pulp, Sulphite, and Paper

M ill W orkers (AFL)

Base annual earnings

Less than $1, 500 ___$1,500 to $2,500 ___$2,500 and o v e r_____

plus

Insurance 65 F or 1 year (or for period

N onoccu-pational;

Annual earnings

$1,200 insured, if less1, 500 than 1 year) or1,800 until age 65,2,300 whichever occurs2, ^00 first

QUOo,000

occupa Less than $ 1 ,3 0 0 ---- $ 500tional $1,300 to $ 1 ,5 6 0 ___ 800

$1,560 to $ 2 ,0 8 0 ___ 1,000$2,080 to $ 3 ,1 2 0 ___ 1, 500$3, 120 to $ i, 160___ 2, 500$4, 160 to $6, 500___and up

4, 500

Insurance 60

$1,0002 ,0 0 03,000

X Installments

(Optional)


Base annual earnings

L ess than $ 1 ,5 0 0 ----$1,500 to $ 2 ,5 0 0 ___$2,500 and o v e r ____

$1,000 $ 2 ,000 3,000

2 50 400 500 750

1,250

$ 500800

1 ,0001.5002.500

2 ,2 50 4, 500

500 1 ,000 1,500

$1,0002,0003,000

plU8

October 1954 5 annual increases in above amounts o f $ 100 each

n

5 annual increases—$ 100 each in above "Death" and "M ultidism em berm ent" amounts; $50 each in above "Single dism em berm ent" amounts

Employees with annual earnings of over $2 , 500 may secure additional insurance.


47



Casescovered


Except

After age—

Benefits limited

Benefits begin

Accident Sicknc s s

Dailybenefit

serviceDuration


Extra allowanceroom and Per

Days Dailyamount

boardallowance

or service yearP er

disability


care

N onoccupa-tional

0 )

Under age 60 when firs tem ployed:60 percent o f average weekly al

52 weekt per dis .bility

1st day

(M

8th day

(M

Employee 2

Age 60 or over when firs tem ployed:30 percent o f average weekly al wage during 1st 36 months o f insurance coverage; 60 percent thereafter

(l )

2 6 weeks per d is-

bility during 1st 36 months; 52 weeks per d is ability thereafter

( ' )

Up to $ 10

(3)

50 days

<3)

— — $500

(3)

Up to $200 X —

Dependents * 2

$7 31 days $217 Up to $ 140

Nonoccupa-tional

Annualearnings

Less than $725 -------$725 to $ 1 ,040_____$1,040 to $1,300 __ $1,300 to $1,560 _ $1, 560 to $2,080 $2,080 to $3,120 __ $3,120 and o v e r ____

Weekly i 6 weeks benefit per d is

ability$10

12 15 18 22 30 40


$12 70 days — — $840 Up to $120 — X —

Depenidents

Up to $ 12 70 days $840 Up to $ 120

Nonoccupa-tional

Base annual Weeklyearnings benefit

L ess than $1,040 __ $10$1,040 to $1 ,144 __ 11$1,144 to $1,248 __ 12$1,248 to $1,352 __ 13$1,352 to $ 1 ,456 __ 14$1,456 to $1,560 __ 15$1,560 to $1,644 16$1,644 to $1,768 — 17$1,768 to $1,872 ___ 18$1,872 to $1,976 19$ 1 ,976 to $2,080 _ 20$2,080 to $2,184 __ 21$2 ,184 to $2,288 __ 22$2,288 to $2,392 23$2,392 to $2 ,496 — 24$2 ,496 to $2,600 _ 25$2,600 to $2 ,704 ___ 26$2,704 to $2,808 __ 27$2,808 and o v e r ____ 28

26 weeks per dis ability


Up to $ 12 (4 ) $840 Up to $150 X Up to $150

z available to em ployees eligib le fo r coverage under the California State tem porary disability law.s If age 60 o r over when firs t em ployed, employee and dependents receive 50 percent o f specified benefits during firs t 36 months of insurance coverage; specified benefits thereafter.

Daily benefits not payable during period employee receives hospital benefits under the California State tem porary disability law ($10 daily for 12 days), but such period included in computing maximum period during which daily plan benefits are payable.

4 Duration depends on actual daily room and board charges; total allowance lim ited to $840.Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

48


COMPANY, UNION, AND




SURGICAL


Employee Dependents

C overscases

MEDICAL



Employee

Allowance


E lse where


Benefits begin

Sickness Accident

M a » -"mum

numbervisitspaidfor

M axi-mum

numberdayspaidfor


Upholsterers (AFL) National plan

August 1954



_______ Tonsillectom yUp to $40 Up to $25

Up to $3 per visit

( l )

Up to $2 per visit

(l )

Up to $3 per visit

(l )

$150 per disability

(M

4thvisit

1stvisit

3 per week; 50 per d isa bility

Up to $115

(M


(l )

Robert Gair Company

Paper M akers (AFL)

September 1954


Hospital

Up to $37.50Tonsillectom y

_______ Append.Up to $150

lectomvUp to $150

Up to $37.50

International Paper Company, Northern Division

Paper Makers (AFL); Pulp, Sulphite, and Paper

Mill W orkers (AFL)

October 1954

Maximum schedule allowance $250 I$250


Hospital, o ff ice , hom e, elsewhere

ectom y_____Under age 12, up to $30; over age 12, up to $50

$4 for each day of confine • ment

$250 per disability 1st day 1st day

Up to $125Appendectomy

Up to $125

If age 60 or over when firs t em ployed, employee and dependents receive 50 percent o f specified benefits during first 36 months o f insurance coverage; specified benefits thereafter.


49




Dailybenefit

orservice

Duration

Maximum room and

board allowance

Extraallowance

orservices

Luxr.psum

Scheduleallowance

fornormaldelivery

Amountsand

limitations

Employee 1L

Up to $5

12days

$60 Up to $40, plus up to $5 ambulance allowance

Up to $ 50 —

Dependent1

Up to $50

Up to $30

Employee

$12 14days

$168 Up to $ 12( Up to $75 —

Dependent

Up to $12

14days

$168 Up to $120 ___ Up to $75

Dependents

Allowance


E lse where


compensation Sickness

A cc ident

Maximum

numbervisitspaidfor

Maxi-mum

numberdayspaidfor

Otherprovisions

Accidentand

sicknessBenefits available to

newly insured

Regular benefits Cor 6 weeks

Employee and dependent:A fter 9 months


Employee and dependent;Immediately

$4 for each day of con finement

$250 per disability 1stday

1stday

Regular benefits for 6week8


T T TUp to $150 maternity allowance

Employee and dependent: Maternity allowance—-if p reg nancy com m ences while insured

Em ployee:Accident and sickness— imm ediately

If age 60 or over when firs t em ployed, employee and dependent receive 50 percent o f specified benefits during firs t 36 months o f insurance coverage; specified benefits thereafter.


50


COMPANY, UNION, AND

DATE OF INFORMATION


Types and amounts

Retired employee Dependents o f rietired employee



insuranceHospitali



Upholsterers (AFL) National plan

August 1954

Employee only

Laboratory and X -ray examination allowance for nonhospitalized cases and if not provided by other plan benefits— up to $25 per d isab ility2

Robert Gair Company

Paper Makers (AFL)

September 1954

International Paper Company, Northern Division

Paper Makers (AFL); Pulp, Sulphite, and Paper

Mill W orkers (AFL)

October 1954

With 15 years ' serv ice o r due to disability:Amount in effect im m ediately prior to retirem ent

With 15 years ' service or due to disability: Amount in effect im m ediately prior to retirem ent



Same as for active em ployee

Same as for retired employee



1 Such benefits as X -ra y , anesthesia and e lectrocard iogram allowances may be provided under some plans, although not listed here. Reasons fo r not listing such benefits are set forth in EXPLANATORY NOTES.

If age 60 or over when firs t em ployed, em ployee and dependents receive 50 percent o f specified benefits during firs t 36 months of insurance coverage; specified benefits thereafter.Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

51


FINANCING

Benefits fo r employee



Benefits for dependents o f retired em ployee Amount o f contribution for-—




onlyCompany


Benefits for em ployee and dependents Benefits fo r retired employee and dependents


X X F ull cost— 3 percent o f aggregate earnings o f em ployees

X X Full cost

X X X X E m ployee 's benefits: E m ployee 's benefits: E m p loyee 's benefits: E m ployee 's bene-Life and accidental death and d is m emberm ent insurance, and a c c i dent and sickness benefits

Base annual Weekly earnings contributions1

Life and accidental death and dism em berment insurance, and accident and sickness benefits— balance o f cost Other em ployee benefits— full cost

L ife and accidental death and dism em berment insurance, retiring p rior to 65 *

Base annual Monthly

fits:Life and accidental death and dism em berment insurance, retiring p rior to 65— balance of cost5 retiring at 65 or later—full costLess than $1,500 ------- $0.25

$1,500 to $2 ,500____ .50$2, 500 and o v e r -------- . 75

Dependents' benefits:

earninss con tri- p rio r to butions1 retirem ent

L ess than$1,500 _ $0 .60

Full cost—-$ 1 .2$ per week $1,500 to$2,500 $1.20$2,500 andoyer $1 .80Other employee benefits— full cost

Dependent's benefits: Full cost

* Employees earning over $2 , 500 annually who elect to be covered by additional insurance make a larger contribution.Em ployees retiring p rior to age 65, if not due to disability, make monthly contribution until age 65; thereafter company pays full cost.


52


ELIGIBILITYREQUIREMENTS LIFE INSURANCE


eligible- —


AmountB efore Insurance is—age—


After 3 m onths1 Before age 65: 65 F or 1 year __employment Basic annual earnings Insurance

Less than $ 1 ,4 5 6 ________________________$1,456 to $1 ,976 ___ ___

________ $1,000________ 2,000

$1,976 to $2| 392________________________$2,392 to $2, 600

________ 2,250___ 2,500

$2; 600 to $2^ 808_ _ _ _ ________ 2,750$2,808 to $3,016 _ _ .... ___ 3,000$3,016 to $ 3 ,4 3 2 ________________________$3,432 to $3, 848_____ __ ___ ___ .

________ 3,5004,000

$3 ' 848 to $4^ 264 _ _ ______ _ ___ 4, 500$4'264 to $4, 680 . .......................... ____ 5,000$4' 680 to $ 6 ’ 0Q6 5, 500$ 5' O96 to $6,000 6,000$ 6j 000 to $ 7j 000_______ _____ ______ _____ 7,000and up

At age 65:Insurance reduced to $750 if insured fo r less than $3,000 prior to age 65; to $1,000 if insured fo r m ore than $3,000

A fter 90 days' Monthly base pay Insurance 65 X __employment

Less than $100 _ _ . . .. ___ $1,900$100 to $ 1 50 ___ 2, 500$150 to $200 ... ......... __ _ _ 3,100$200 to $250 _ _ _ _ 3,700$250 to $300 ___ _ __ _ ______ 4, 300$300 to $350 _ __ _ _ _____ ______________ 4,900$350 to $400 ... . . . ._ . ... __ 5,500$ 400 and over _ 6. 100

If experienced: $1,500 At any X ..A fter 30 days' employment

age

If inexperienced:1st o f month fo llowing or coin* ciding with com pletion o f 3 months' employment

COMPANY, UNION. AND

DATE OF INFORMATION


Casescovered

Amount

Graduated according to— Death


Multidism em berment

West Virginia Pulp and Paper Company

Paper Workers (CIO); Pulp, Sulphite, and Paper

M ill W orkers (AFL)

October 1954

N onoccu-pational

Before age 65:Basic annual earnings

L ess than $1, $1 ,456 to $1, $1 ,976 to $2, $2,392 to $2, $2,600 to $2, $2 ,808 to $3, $3 ,016 to $3, $3 ,432 to $3, $3 ,848 to $4, $4 ,264 to $4, $4 ,680 to $5, $5 ,096 to $6, $6,000 to $7, and up

At age 65;

456____976____392____600____808____016____432____848____264____680____096____000____000____

If insured fo r le ss than $3,000 p rior to age 65, amount ineffect reduced to___If insured fo r m ore than $3,000 p rior to age 65, amount in effect reduced to____

$ 1,0002,0002,2502.500 2,7503.0003.5004.0004.5005.0005.5006.0007,000

$ 750

$ 1,000

$ 5001,0001,1251.250 1,3751.5001.7502,0002.2502.5002.750 3,0003.500

$ 375

$ 500

$1,0002 ,0002,2502.500 2,7503.0003.5004.0004.5005.0005.5006.0007,000

$ 750

$ 1,000

Brown and Bigelow Company (St. Paul, Minn.)

Bookbinders (AFL)

January 1955

Employing Lithographers Association o f San F rancisco

Lithographers (CIO)

August 1954


53



Casescovered


PeriodExcept

After age—

Benefits limited

Benefits beginDaily

benefitor

service



Days Dailyamount

boardallowance

or service yearP er

disability


care

N onoccupa-tional

B asic annual Weeklyearnings benefit

Less than $1, 456 ___ $14$1,456 to $1. 560 ___ 15$1,560 to $1, 768 ___ 17$1,768 to $1. 976 — 19$1,976 to $2, 1 8 4 ___ 21$2,184 to $2, 392 _ 23$2,392 to $2, 600 ___ 25$2,600 to $2, 808 ___ 27$2,808 to $3, 0 1 6 ___ 29$3,016 to $3, 432 ___ 33$3,432 to $3, 848 „ 37$3,848 and o v e r ____ 40



$6 70 days — — $420 Up to $60 — X —

Depeindents

Up to $6 70 days $420 Up to $60

N onoccupa-tional

50 percent o f straight time weekly earnings— Maximum— $75

13 weeks per die ability


Occupational D ifference between W orkm en' s Compensation benefit and above amount

Up to $8 35 day 8 $280 Full cost of specified serv ices

X Up to $160

Employee

Up to $14

(*)

31 days

(2)

— $434 Up to $280, plus 75 percent of next $1,000 o f charges

— X Up to $280, plus 75 percent o f next $1,000 of charges

Dependents

Up to $10 31 days $310 Up to $200, plus 75 percent o f next $ 1,000 of charges

X Up to $200, plus 75 percent ot next $1,000 of charges

(M <M (l ) < ‘ > (l ) (l >

No accident and sickness insurance benefits provided by plan; employees covered by the California State tem porary disability law. See Appendix A .Daily amount reduced by hospital benefit employee receives under the California State tem porary disability law ($10 per day fo r f irs t 12 days in hospital).


54


COMPANY, UNION. AND



payment if annual income is under—

SURGICAL


Employee Dependents

Coverscases

MEDICAL



Employee

Allowance


Elsewhere

compensation

Benefits begin

Sickness Accident

Ha«T-

numbervisitspaidfor

numberdayspaidfor


Paper Workers (CIO); Pulp, Sulphite, and Paper

Mill Workers (AFL)

October 1954

Maximum schedule allowancej m -------------- f e w ----------------

. Tonsillectomy Up to $30 Up to $30

Appends* Up to $100 K

ctomy Up to $100

Hospital, office, home, elsewhere

Brown and Bigelow Company (St. Paul, Minn.)

Bookbinders (AFL)

January 1955

Maximum schedule allowancei i s r $200

ttpSolttrTonsillectomy


U p to ffo T

B p to 'l iM ® 9'>nde<ctomy

Up to $10<>

Employing Lithographers Association of San Francisco

Lithographers (CIO)

August 1954

Maximum schedule allowancej m — ----------------------------------$300

Tonsillectomyt )p 1 T * 4 5 -------------

Appendectomy tfpto $150 |Up to ll 150



Up to $3 per visit

Up to $3 per visit

Up to $45


55



56


COMPANY, UNION, AND

DATE OF INFORMATION


Types and amounts

R etired employee Dependents of retired em ployee



insuranceHospitali



Paper W orkers (CIO) Pulp, Sulphite, and Papei

Mill W orkers (AFL)

October 1954


Brown and Bigelow Company (St. Paxil, Minn.)

Bookbinders (AFL)

January 1955


X -rays in d o cto r 's o ffice o r clin ic— uo to $10 for any one accidentAnesthesia fo r tonsillectom y in d o c to r 's o ffice or clin ic— up to $5

Employing Lithographers As sociation o f San F rancisco

Lithographers (CIO)

August 1954

Diagnostic laboratory and x -ra y allowance for nonhospitalized cases:Employee— up to $50 per year per condition Dependents— up to $25 per year per condition

Additional accident expense allowance:(F or expenses in excess o f those paid under other plan benefits incurred within 90 days after injury) Em ployee and dependents— up to $ 300

1 Such benefits as X -ray , anestheuia and electrocard iogram allowances m ay be provided under som e plans, although not listed here. Reasons fo r not listing such benefits are set forth in EXPLANATORY NOTES.Digitized for FRASER


57


FINANCING


Benefits for em ployee ’ s dependents


Benefits for dependents o f retired em ployee Amount o f contribution for

Company only Jointly Company

only Jointly Employee Companyonly only Jointly Employee

onlyCompany

only Jointly Employee.only

Benefits fo r em ployee and dependents

Employee Company

Benefits for retired employee _________ and dependents_________

Employee Company

B asic annual

earning 8

Monthly contribution Single One All em « depend- depend*

ployee ent ents

Balance o f cost $0.42 per month per $1,000 of insurance

Balance of cost

L ess than $ 1 ,4 5 6 - $1.,39 $2.,80 $3. 57$1,456 to $ 1 ,5 6 0 - 1.,88 3. 29 4. 06$1,560 to $ 1 ,7 6 8 - 1. 93 3. 34 4. 11$1,768 to $ 1 ,9 7 6 - 1. 98 3.,40 4. 16$1,976 to $ 2 ,1 8 4 - 2 .,15 3.,57 4. 33$2,184 to $ 2 ,3 9 2 - 2.,20 3,,62 4. 39$2,392 to $ 2 ,6 0 0 - 2. 37 3.,79 4. 55$2,600 to $ 2 ,8 0 8 - 2.,54 3,,95 4.,72$2,808 to $ 3 ,0 1 6 - 2.,71 4.,12 4. 89$3,016 to $ 3 ,4 3 2 - 3,,04 4.,46 5. 23$3,432 to $ 3 ,8 4 8 - 3,,38 4.,80 5.,57$3,848 to $ 4 ,2 6 4 - 3.,69 5,.11 5.,88$4,264 to $ 4 ,6 8 0 - 3,,92 5,,34 6. 11$4, 680 to $ 5 ,0 9 6 - 4.,15 5,,57 6.,34$5,096 to $ 6 ,0 0 0 - 4,,39 5.,80 6.,57$6,000 to $ 7 ,0 0 0 - 4,,85 6.,26 7 .,03and up

L ife insurance;$ 0 .40 per month per $ 1,000 insurance

Life insurance: Balance o f cost

Other benefits; Full cost

Full cost— $1.75 per w eek1

1 October 1954 em ployer contribution changed to $2.00 per week.


58


COMPANY, UNION, AND

DATE OF INFORMATION


New employees become

eligible--Amount


Casescovered

Amount

Beforeage—


Singledismemberment

MultidismembermentMaintained Paid in—

Chicago Lithographers Association

Lithographers (CIO)

July 1954

If experienced: $2,000 60 X Nonoccu-pational;occupational

$2,000 $1,000 $2,000Immediately or 1st of following month

[f inexperienced:After o months * covered employ* ment

Publishers* Association of New York City

Typographical Union (AFL)

September 1954

1st of month coin* ciding with or next following a 4* month period during which employee ias been employed cr diligently seek* Lng employment within the Union's Newspaper Branch ind has worked at least one shift of covered employ* ment

$1,000 60 X Nonoccu-pational;occupational

$1,000 $500 $1,000

Dow Chemical Company

District 50. United Mine Workers (hid.)

July 1954

After 3 months* employment

$4,000 60 X


59





disability



Dailyamount

room and board


Peryear

Period After age—

Benefits limited to-—

Accident Sickness service Days allowance care

Nonoccupa-tional

Two-thirds of current basic weekly wage— Maximum— $ 50

13weeks per disability

— — 1st day 8th day or 1st in

Employee

hospitalUp to $15 31 days Up to $300 Up to $300

Occupational Difference between Work-$465 X

men1 s Compensation benefit and above amount Dependents

Up to $10 31 days $310 Up to $200 X Up to $200

Nonoccupa-tional

$45 per week 13weeks

— — 8th day 8th day Employee and dependents

Occupational Difference between Workmen' s Compensation benefit and above amount

per disability Semi

privateroom

21 days 180 50 percent of cost of semiprivate room

Full cost of specified services for 1st 21 days, 50 percent of cost for additional 180 days

X Up to $7.25

Nonoccupa-tional


— — 8th day 8th day Employee

per disability Up to $12 70 days $840 Up to $200, plus

75 percent of next $2,400 of charges "

X Up to $200, plus 75 percent of next $2,400 of charges

Dependents

Up to $11 70 days $770 Up to $200, plus 75. percent of next $2,400 of charges

X Up to $200, plus 75 percent of next $2,400 of charges


60


COMPANY, UNION, AND

DATE OF INFORMATION


Lithographers (CIO)

July 1954

Publishers' Association of New York City

Typographical Union

September 1954

Dow Chemical Company

District 50, United Mine Workers (ind.)

July 1954

SURGICAL MEDICAL



Operation schedule-— selected allowances

Employee Dependents

Employee

Covers cases in—



Allowance


Elsewhere

Maximumcompensation

Benefits begin

Sickness Accidentnumber

visitspaid

mumnumber

dayspaid

Appendectomy_____Up to $150 | Up to $100


Up to $45Tonsillectomy

Up to $30


for for

Up to $5 per visit

Up to $3 per visit

Up to $5 per visit

$200 per disability 2d day of total disability

1st day of total disability

1 per day; 13 weeks per disability

Maximum schedule allowance ¥250 $250


Tonsilic ctomyUp to $50 Under age 12,

up to $30; over age 12, up to $50

Appendi; ctomyUp to $125 Up to $125

Maximum schedule allowance ¥300--------- --------------------------------$250


Under age 12,


$4 for each day of confinement 1


Appendec tom y Up“to " $ I ^ fU'p te l$125

If surgical operation is performed, allowance is greater of (a) $4 for each day of hospital confinement up to day of operation; or (b) $4 for each day of confinement minus surgical operationDigitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

61



Dependents

Allowance


Elsewhere

Maximumcompensation

Benefits begin

Sickness

Accident

Maximum

numbervisitspaidfor

Maximum

numberdayspaidfor

Otherprovisions

Accidentand

sickness


Dailybenefit

orservice

Duration

Maximum room and

board allowance

Extraallowance

orservices

Lumpsum

Scheduleallowance

fornormaldelivery

Amountsand

limitations

Employee

— — — — Up to $150

Up to $75 —

Dependent

Up to $100

Up to $50


Employeeanly: ETdisabled for at Least 7 days, entitled to 3 visits within 31 days after returning to work


ee and dependent:After 9 months

Dependent Only

Up to Up to $75 $80

Dependent:Hospitalization— imme diately Surgical— if pregnancy commences while insured

$3 for each day of confinement1


1stday

70 per disability

Regularbenefits


Up to $12

14days

$168 Up to $145

~ Up to $75 —

(*)

If pregnancy commences while insured

Dependent

Up to$11

(1 * 3> Up to difference between total roon and board charges and $110

<3)

Up to $75

1 If surgical operation is performed, allowance is greater of (a) $4 for each day of hospital confinement up to day of operation; or (b) $4 for each day of confinement minus surgical operation allowance.

Plus $10 if circumcision on baby is performed during first 14 days.3 Total room and board charges plus charges for extra services limited to $110.Digitized for FRASER


62


OTHER BENEFITS1

COMPANY, UNION, AND

DATE OF INFORMATIONTypes end amounts

Life insurance


Lithographers (CIO)

July 1954

Employee only

Diagnostic X-ray allowance, if no other benefits are payable-—up to $70 per condition

Publishers' Association of New York City

EXTENSION OF BENEFITS TO— (must be at least on group rate basis)

Retired employee Dependents of retired employee

Accidental death and

di smemoermentHospitalisation Surgical Medical Life

insuranceHospitali*

sation Surgical Medical

Tp>ographical Union

September 1954

Dow Chemical Company Service Insurance

District 50 Workers

July 1954

, United Mine(Ind.)

20 yearsor less___ $1,00021 years— 1,10022 years— 1,20023 years— 1,30024 years— 1,40025 years— 1,50026 years— 1,60027 years— 1,70028 years— 1,80029 years— 1,90030 yearsand over— 2,000

Same as for active Same asemployee but com for activebined maximum employeehospitalization and but comsurgical benefits binedavailable during maximumretirement limited hospitaliaccording to years zationof service prior to and surretirement* gical

benefitavailableduringretirementlimitedaccording to years of serv> ice prior to retire* menta

1 Such benefits as X-ray , anesthesia and electrocardiogram allowances may be provided under some plans, although not listed here. Reasons for not listing.such benefits are set forth in EXPLANATORY NOTES.

* Years of service prior to retirement Maximum combined benefit Years of service prior to retirement Maximum combined benefit11 or less ___ -11___ --------------------------------------- $355-------------------- 1 7 _____1JLZ___ — ------------------------— F7551 4 ____________________ :______________ 400 1 8 ______________________________________ 8001 5 ___________________________________ 500 19 ----------------------------------------------------------- , JOOIf,________ ___________ ,_________________ 600 20 or m ore--------------------- ... ------- ----------- 1,000


63


FINANCING


Benefits for employ ee*s , dependents






onlyCompany




X X Full cost——$2 per week

X X Full cost

X X X Employee's benefits: Balance of cost Full cost$0.82 biweekly

Employee and dependents1 benefits:$1.42 biweekly


64


COMPANY, UNION, AND

DATE OF INFORMATION



eligible—

LIFE INSURANCE


B efore age—

Insurance is




accordingSingle

dism em berment

Multi-dism em berment

Am erican V iscose Corporation


October 1954

After 60 days1 employment

S ervice Insurance 60 Installments

days 1 to 1 year . year to 5 years . years and over .

$ 5001,000 2,000

Nonoccu*pational;occupational

Service

60 days to 1 year - 1 year to 5 years - 5 years and over _

; 5001,000 2,000

; 250500

1,000

$ 5001,000 2,000

Texas Company

Oil Workers (CIO)

August 1954

After 1 y e a r 's employment

Monthly rate of pay Insurance

Less than $ 87. 50 _______________________________ $1,500$87.50 to $11 2 .5 0 ______________________________ 1,800$112.50 to $125.00____________________________ 2,100$125.00 to $137.50____________________________ 2,400$137. 50 to $162.50____________________________ 2,700$162.50 to $187.50____________________________ 3,150$187.50 to $212.50____________________________ 3,600$212.50 to $237.50____________________________ 4,050$237.50 to $262.50____________________________ 4,500$262.50 to $287.50____________________________ 4,950$287.50 to $312.50____________________________ 5,400$312. 50 to $337.50____________________________ 5,850$337. 50 to $362.50____________________________ 6,300$362.50 to $387.50____________________________ 6,750$387.50 to $412.50:____________________________ 7,200$412. 50 to $475.00____________________________ 8,100$475.00 to $525.00____________________________ 9,000and up

At any age

Two-thirds of amount in effect at date of d isability


65


ACCIDENT AND SICKNESS HOSPIT A L iZ AT ION



Days Dailyamount

boardallowance


covered Amount


Except

After age—

Benefits limited

Benefits begin

Accident

Dailybenefit

SicknessDuration

Perdisability


care

Nonoccupa-tional;occupationalaccidentsonly

Basic weekly earnings

Weeklybenefit

Less than $ 3 4 _____ $20$34 to $ 3 6 . . 21$36 to $38_________ 22$38 to $ 40 . 23$40 to $42_________ 24$42 to $ 44_________ 25$44 to $4 6 . 26$46 to $48__ 27$48 to $ 50_________ 28$50 to $52____ 29$52 30

13weeks per disability

65 13 weeks during any 12 consecutive months

1st day 8th day Employee and dependents 1

Semiprivateroom

1st year 90 50 percent _ Full cost of X _under plan, of cost of specified serv21 days; semi ices for basic2d year, private period; 50 per25 days; room cent of cost forthereafter, additional 9031 days days

Up to $ 10


<*) (*) <2) (*) <a) (*) (*)$7 31 days $217 Up to $140, plus

up to $5 ambulance allowance

Up to $140

Capitol Hospital Service of Harrisburg, Pennsylvania (Blue Cross plan); employees in other areas covered by different programs. No accident and sickness insurance benefit provided by plan; employees covered by paid sick leave plan.


66


COMPANY, UNION, AND




SURGICAL


Employee Dependents

Coverscases

MEDICAL



Employee

Allowance


Elsewhere


Benefits begin Maxi-"mum

numbervisitspaidfor

“ KGxl-mum

numberdayspaidfor

American Viscose Corporation


October 1954

Maximum schedule allowancej m r

TonsilltU p t o f « "

.ectomy Up to $25

Up-t~rrlfAppended

f l5 0 “Hospital, office, home, elsewhere

tctomyTg t e f i w r

Texas Company

Oil Workers (CIO)

August 1954

Maximum schedule allowanceJ z s T J Z W

Up to t i l . $0Tonsillectomy


Up toAooendec tomv

------Up to *12 $

tip to 137.56


67


MEDICAL - Continued

Dependents

Allowance


Elsewhere

Maximumcompensation

Benefits begin

Sick- Acci- ness dent

Maxi - mum

number visits paid for

Maximum

numberdayspaidfor

Otherprovisions

Accidentand

sicknessDailybenefit

orservice



Maximum ExtraDura room and allowance Lump


Scheduleallowance

fornormaldelivery

Amountsand

limitations


Regular benefits for 6 weeks'


Semi- 10 private days room

Full cost of specified services

(M

Up to $50

Employee and dependent: Hospitalization— immediately Surgical— after 9 months

Employee:Accident and sickness— after 9 months

(*)Employee only Employee only:

Immediately

$7 14 $98days

Up to $140,p lU 8 U p tO$ 5 ambulance allowance

Up to $ 62.50

Capitol Hospital Service of Harrisburg, Pennsylvania (Blue Cross plan); employees in other areas covered by different programs No accident and sickenss insurance benefit provided by plan; employees covered by paid sick leave plan.


68



COMPANY, UNION, AND

DATE OF INFORMATIONTypes and amounts



di smemoer mentHospitalisation Surgical Medical Life

insuranceHospitali


American Viscose Corporation


$1,000 Same as for active employee


October 1954

Texas Company

Oil Workers (CIO)

August 1954


Polio allowance (For actual expenses incurred within 2 years of its commencement)— up to $5,000

Two-thirds of amount in effect immediately prior to retirement

Identification allowance (For expenses incurred in placing individual under care of relatives or friends)-—-up to $50

1 Such benefits as X-ray, anesthesia and electrocardiogram allowances may be provided under some plans, although not listed here. EXPLANATORY NOTES.

Reasons for not listing such benefits are set forth in


69


FINANCING


Benefits for em ployee 's dependents






onlyCompany




X X X X Dependent children* s benefits: Employee and Employee and E m ployee' s benefit:Full cost

Dependent husband's benefit: Hospitalization— full cost

dependent w ife1 s benefits:Full cost

Dependent husband1 s benefits:Surgical— full cost

dependents' benefits: Hospitalization— full cost

Life insurance— full cost

X X X E m ployee 's benefits:Life insurance—Monthly rate Monthly of pay contribution

L ess than $125.00____ None$125.00 to $137. 50 ___ $0.96$137. 50 to $102. 50 ___ 1.08$162.50 to $187.50 ___ 1.26$187. 50 to $212. 5 0 ___ 1.44$212. 50 to $237. 50 ___ 1.62$237. 50 to $262. 50 ___ 1.80$262.50 to $287.50 ___ 1.98$287. 50 to $312. 5 0 ___ 2 .16$312.50 to $337. 50 ___ 2 .34$337. 50 to $362. 50 ___ 2. 52$362.50 to $387. 50 ___2.70$387. 50 to $412. 5 0 ___2. 88$412. 50 to $475.00 ___ 3 .24$475.00 to $525.00 ___ 3.60and up

Other benefits— $0.50 per month

Dependents' benefits:Full cost— benefits for wife or husband, $2 .67 per month; for child or children, $2 .67 ; for wife or husband and child or children, $ 5 .3 4

Em ployee' s benefits: Balance of cost

Full cost


70


COMPANY, UNION, AND

DATE OF INFORMATION


New employees becom e

eligible* -

LIFE INSURANCE

Amount


Before age—

Insurance isCases

covered

Maintained Paid i


Amount


Singledismemberment

Multidismemberment

Sinclair Oil Corporation

Oil Workers (CIO)

November 1954

After 6 months1 employment

<*>

Nonoc • cupa- tional; Occupational

$ 1,000 $ 500 $ 1,000

Socony Vacuum Oil Company

Oil Workers (CIO)

August 1954


Annual basic rate of pay Insurance

Less than $1 ,000 ,01_____________________________ $ 1 ,6 0 0$1,000.01 to $1 .4 0 0 .0 1 _____________________________2,400$1,400.01 to $ 1 ,8 0 0 .0 1 ________________________ 3,200$1,800.01 to $ 2 ,2 00 .01_______________________ 4,000$2,200.01 to $2 ,6 0 0 .0 1 _______________________ 4,800$2,600.01 to $3 ,0 0 0 .0 1 _______________________ 5,600$3,000.01 to $3 ,4 0 0 .0 1 _______________________ 6,400$3,400.01 to $3 ,8 0 0 .0 1 _____________________________ 7,200$3,800.01 to $4 ,2 0 0 .0 1 __________ 8,000$4,200.01 to $4 ,6 0 0 .0 1 ________________________ 8,800$4,600.01 to $ 5 ,0 0 0 .0 1 _______________________ 9 ,600$5,000.01 to $ 5 ,4 00 .01_______________________ 10,400$5,400.01 to $5 ,8 0 0 .0 1 ________________________ 11,200$5,800.01 to $6 ,2 0 0 .0 1 ____ 12,000and up

60 Nonoc- cupa- tional; occupational

Annual basic : of pay

Less than $1, $1 ,000 .01 to $1,400 .01 to $1 ,800 .01 to $2,200 .01 to $2 ,600 .01 to $3 ,000 .01 to $3,400 .01 to $3 ,800 .01 to $4,200 .01 to $4 ,600 .01 to $5 ,000 .01 to $5 ,400 .01 to $5 ,800 .01 to and up

000.01.$1,400,$1,800,$2 , 200,$2,600,$3,000,$3,400.$3 ,800,$4,200,$4,600,$5,000.$5,400,$5,800.$ 6 , 200.

800200600000400800200600000400800200600000

! 400600 800

1,000 1,2001.400 1,600 1,800 2,000 2 ,2002.400 2,600 2,800 3,000

$ 800 1,200 1,600 2,0002.400 2,8003.2003.6004.0004.400 4,8005.2005.6006.000

B. F . Goodrich Company

Rubber Workers (CIO)

July 1954

Life insurance and Earnings and service Insuranceaccident and sick-

60 Installments

ness benefits:1st of month coinciding with or next following 3 months' employment

Other benefits:Alter 3 months' employment

3 months to 1 year service .1 year or more service and earnings of:

Less than $ 2 ,000______ _________________$2,000 to $2 ,500________________________$2,500 to $3 ,500________________________$3,500 to $4 ,000________________________$4,000 and o v e r .____ ____________,______

$ 2,000

2,0002.5003.500 4,0004.500

Company provides noncontributory life insurance; makes available additional insurance on a contributory basis.Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

71



Cneescovered Amount

Base annual Weeklyearnings benefit

Less than $1,000____ $10$1,000 to $1,500___ 15$1,500 to $2,000____ 20$2,000 to $2,500____ 25$2,500 to $3,000____ 30$3,000 to $3,500___ 35$3,500 to $ 4 ,0 0 0 _^ . 40$4,000 to $5,000____ 45$5,000 to $7,500___ 50$7, 500 and over____ 60

Dur&tidn of benefits

PeriodExcept

After Benefits limited

Benefits begin

Accident Sickness

Dailybenefit

orservice



Days Daily . amount

boardallowance

or service yearPer

disability


care

Nonoccupa-tional

52weeks per dis< ability


120 days — — $1,200 Up to $200, plus 75 percent ox

X Up to $200, plus 75 percent of next

next $2,000 of charges

$2,000 of charges


<*) C1) (*) (M (l > <l ) (l )Up to $12 70 days 180 Up to $6 $1,920 Up to $200, plus

75 percent of next $ 1,800 of charges

Up to $200, plus 75 percent of next $1,800 of charges

Nonoccupa-tional

15 peWomen-—$25 per week

26weeks per die ability


Semi 120 days Full cost of X Required servicesprivate specified serv providedroom ices

No accident and sickness insurance benefit provided by plan; employees covered by paid sick leave plan.


72


COMPANY, UNION, AND




SURGICAL


Employee Dependents

Coverscases

MEDICAL



Employee

Allowance

Office Hospital

Elsewhere


Benefits begin Maxl=”mum

numbervisitspaidfor

"TdaxF1"mum

numberdayspaidfor


Oil Workers (CIO)

November 1954

Maximum schedule allowance 1250 | $250




$3 for each day of con* finemenl

(l )



Up to $125


Oil Workers (CIO)

August 1954




ictomy_______Under age 12, up to $30; over age 12, up to $50


(*>


Up toindectomy

Up to $125

B « F . Goodrich Company


July 1954

Maximum schedule allowance 1250-----------------------------------------



Up to $3 per day


wm yUnder age 12, up to $30; over age 12, up to $50

Up to $1Appendectomy 125 jUp to $125"

If surgical operation performed, allowance is greater of (a) $3 for each day of hospital confinement up to day of operation; or (b) $3 for each day of confinement minus surgical operation allowance. If surgical operation performed, allowance is greater of (a) $4 for each day of hospital confinement up to day of operation; or (b) $4 for each day of confinement minus surgical operation allowance.Digitized for FRASER


73


MEDICAL - Continued

Dependents

Allowance


Elsewhere

Maximumcompensation

Benefits begin

Sick- Acci- ness dent

Maximum

numbervisitspaidfor

Maximum

numberdayspaidfor

Otherprovisions

Accidentand

sickness



Dailybenefit

orservice

Duration

Maximum room and

board allowance

Extraallowance

orservices

Lumpsum

Scheduleallowance

fornormaldelivery

Amountsand

limitations


$3 foreachday ofcon-fine-ment

$250 per disability 1st day 1st day Employee and dependent

$100 maternity allowance

Employee and dependent:If pregnancy commences while insured

(l )


$250 per disability 1st day 1st day —

(3)


Up to 10 $ 10 days

$100 Up to $100

Up to $75

(1 2)

Up to $3 per day

$360 per disability 1st day 1st day 120perdisability


Semi-privateroom


14 ___ Full cost __days of speci

fiedservices

Employee and dependent: if pregnancy commences while insured

Em ploye and dependent:If pregnancy coipmcnees while insured

1 If surgical operation performed, allowance is greater of (a) $3 for each day of hospital confinement up to day of operation; or (b) $3 for each day of confinement minus surgical operation allowance.3 If surgical operation performed, allowance is greater of (a) $4 for each day of hospital confinement up to day of operation; or (b) $4 for each day of confinement minus surgical operation allowance.3 No accident and sickness insurance benefit provided by plan; employees covered by paid sick leave plan.Digitized for FRASER


74


COMPANY, UNION, AND

DATE OF INFORMATION


Oil Workers (CIO)

November 1954


Oil Workers (CIO)

August 1954

B. F . Goodrich Company


July 1954


Types and amounts



di smemoer mentHospitalization Surgical Medical Life

insuranceHospitali



Anesthesia allowance for nonhospitalized cases— up to $10 per operation

With 5 continuous years* plan participation prior to retirement:Same as lor active employee but limited to total of $1,200 for room and board and $1, 700 for special services during period of retirement

With 5 continuous years' plan participationprior to

With 5 con' tinuous years* plan participation priorto retire -


Same as for retiree employee


(•) (*) <J)


Emergency diagnostic X -rav allowance if no other plan benefits are payable— up to $ 10 per condition

Major medical expense allowance—- ? 5 percent of expenses in excess of other plan benefits during each medical period of 12 months, which is in excess of $100; maximum— $5,000

Amount in effect immediately prior to retirement maintained for 1 year, then reduced 10 percent annually until amount equals annual salary immediately prior to retirement

Amount in effect immediately prior to retirement

With 5 continuous years* plan participation prior to retirement:Same as for active employee

(s)

With 5 continu< ous years'

With 5 continuousyears* plan

plan participation

participa-

prior to retirement: Same as for active employee

tion priorto retire-

(*>

ment: Same as for active employee

(*)


Same as for retixed employee


Employee only

Diagnostic X -ray allowance for nonhospitalized cases—-up to $70 per condition

Retiring with 15 years service:50 percent of amount in effect immediately prior to retirement

Up to $ 10 per day for all hospital charges; maximum - —$310 per calendar year

1 Such benefits as X -ray, anesthesia and electrocardiogram allowances may be provided under some plans, although not listed here. Reasons for not listing such benefits are set forth in EXPLANATORY NOTES. K

* $ 100 maternity allowance in lieu of all other benefits also provided.Emergency diagnostic X-ray benefit also provided retired employees and their dependents. Total amount of hospital, surgical and medical benefits (including X -ray benefit) during period of

retirement limited to $3,970. * r ° 7 '


75


FINANCING


Benefits for employee's dependents






onlyCompany




X X X X Monthly contribution for benefits for—

Basic t m - Employee annual Em - ployee and wife

earnings ployee and or wife only chil- and

dren children

Less than$3 ,000____$1.55 $3.15 $3.65$3,000 to$4 ,000____ 1.80 3.40 3.90$4,000 to$ 7 ,500____ 2 .15 3.75 4.25$7,500 andover 2 .50 4.10 4.60

Balance of cost Benefits for employee only, $1.00 per month; for employee and children, $2 .60 ; for employee and wife or employee, wife and children, $3.10

Balance of cost

X X X X Life and accidental death and dismemberment insurance1:Annual basic Monthly rate of pay contribution

Less than $1,000.01 ____ $0.48$1,000.01 to $ 1 ,4 0 0 .0 L _ 1.20 $1,400.01 to $ 1 ,8 0 0 .0 1 -. 1.60 $1,800.01 to $ 2 ,2 0 0 .0 1 - 2.00 $2,200.01 to $2, 600.01 _ 2.40 $2,600.01 to $3,000.01 - 2.80 $3,000.01 to $ 3 ,4 0 0 .0 1 - 3.20 $3,400.01 to $ 3 ,8 0 0 .0 1 - 3.60 $3,800.01 to $ 4 ,2 0 0 .0 1 - 4.00 $4,200.01 to $4, 600.01 _ 4.40 $4,600.01 to $5,000.01 _ 4.80 $5,000.01 to $ 5 ,4 0 0 .0 1 _ 5.20 $5,400.01 to $ 5 ,8 0 0 .0 1 - 5.60 $5,800.01 to $ 6 ,2 0 0 .0 1 . 6.00 and up

Major medical expense benefit:Full cost— benefit for employee only, $1.44 per month; for employee and dependents, $3 .44

Other benefits:Benefits for employee only, $1.04 per month; for employee and dependents, $ 4. 20

Balance of cost1 Full cost


1 At age 65, employee's contributions for life and accidental death and dismemberment insurance cease; company pays full cost.


76



COMPANY, UNION, AND


eligible—

Firestone T ire and Rubber Company



July 1954

Amount

Before age 65: Basic hourly rate

Less than $0.72„__.$0.72 to $ 0 .9 0 ___$0.90 to $ 1 .0 8 ___$1.08 to $ 1 .2 6 ___$1.26 to $ 1 .4 4 ___$ 1.44 and over ___


If permanently and totally disabled Amount

CasesBeforea g e -

insurance is— covered




65 Until age 65* N onoccu- Basic hourly rateInsurance

$1,5002,0002.5003.0003.5004.000

then reduced as for active em ployee

pationalLess than $0 .7 2_____ $1,500 $ 750$ 0 .72 to $0.90 2,000 1,000$0.d0 tn $ 1 .08 _____ 2,500 1,250$1 .0 8 to $1 .26 3,000 1,500$ 1 .2 6 to $ 1 .4 4 ______ 3,500 1,750$ 1 .4 4 and over 4,000 2,000

Multi-dism em berment

$1,5002,0002.5003.0003.5004.000

At age 65 insurance reduced:Insurance in effect Insurance maintainedprior to age 65 after age &5

$1,500 _________________________________ $1,000$ 2,000 ______________________________ 1,100$2,500 _________________________________ 1,200$3,000 and o v e r_______________________ 1,500

United States Rubber Company


July 1954

Life insurance: A fter 3 months' employment

$ 3 ,0 0 0 1

Accident and s ick ness benefits:1st o f 2d month following month in which employment begins

65 Until age 65, then reduced to 50 percent of total amount in effect or $2,000, whichever lesser

Other benefits:1st o f 3d month following month in which employment begins

Florsheim Shoe Company

Shoe W orkers (CIO)

1st day o f payroll period following 1 y e a r 's service

$ 1,000 60 X

August 1954

Additional life insurance provided on a contributory basisDigitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

77





Days Dailyamount

boardallowance


covered


P eriodExcept

After age—

Benefits limited

Benefits begin

Accident Sickne s s

Dailybenefit

orservice

Perd isa -bility


care

Nonoccupa-tional


26weeks per d is ability



Sem i-privateroom

120 days — Full cost ofspecified services

Required services provided

Nonoccupa-tional


(l )

26weeks per. d is ability


1st day 8th day Employee and dependents *

Sem i-privateroom

120 day8 — Full cost ofspecified service!

(3)


Nonoccupa-tional

$25 per week 13weeks per diS' ability



Up to $10 31 days $310 Up to $50

2 In States having tem porary disability laws, benefit reduced by amount received under State laws. Michigan Hospital S ervice (Blue C ross plan); employees in other areas covered by different program s.

3 A lso provided in connection with surgery perform ed in out-patient department.Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

78



79


MEDICAL ” Continued

Dependents

Allowance


Elsewhere

Maximumcompensation

Benefits begin

Sickness

Accident

Maximum

numbervisitspaidfor

Maximum

numberdayspaidfor

Otherprovisions

Accidentand

sickness


Hospitalisation Surgical Medical

Dailybenefit

orservice

Duration

Maximum room and

board allowance

Extraallowance

orservices

Lumpsum

Scheduleallowance

fornormaldelivery

Amountsand

limitations


Up to $3 per day


1stday

120 per disability


$3 perday


1stday

120 perdisability



Semi-privateroom


14 Full cost Up to $75days of speci

fiedservices

Employee and dependent;If pregnancy commences while insured


Semi- 120 Full cost Up to $75privateroom

<!>

days

<l >

of specifiedservices

<l )

Employee

Up to $10

14days

$140 Up to $ 50 — Up to $50 —

Dependent

Employee and dependent: Hospitalisation and surgical-— after 9 months

Employee:Accident and sickness— if pregnancy commences while insured

Employee and dependent: Immediately

Up to$10

(a) Up to difference between $ 100 and total roon and board

Up to $50

charges

1 M ichigan Hospital Service (Blue Cross plan); employees in other areas covered by different programs. a Total room and board allowance plus charges for extra services limited to $100.


80


COMPANY, UNION, AND

DATE OF INFORMATION

Firestone T ire and Rubber Company


July 1954

United States Rubber Company


July 1954


Types and amounts




insuranceH ospitali


Employee only Same as for active em ployee after age 65


Same as for activ< employee

Same as e|for active

em ployee


Same as for retire* em ployee

Same as c fo r retired

em ployeeDiagnostic X -rav cases— up to $70"

allowance for nonhospitalized per condition

Retiring at age 65: 50 percent of total amount in effect im m ediately prior to retirem ent or $ 2 ,000 , whichevex le sse r



Same as fo r active em ployee


Same as for retire* em ployee

Same as : retired

em ployee

Retiring p rior to age 65 due to d isability:Amount o f noncontributory insurance in effect at retirem ent m aintained until age 65, then reduced as stated above 2

Florsheim Shoe Company

Shoe W orkers (CIO)

August 1954

1 Such benefits as X -ra y , anesthesia and electrocard iogram allowances m ay be provided under som e plans, although not listed here. Reasons fo r not listing such benefits are set forth in EXPLANATORY NOTES.

2 Em ployees retiring due to disability m ay continue one-half o f contributory insurance in excess o f $500 at same prem ium rate as fo r active em ployees.Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

81


FINANCING

Benefits for em ployee




Companyonly

Employeeonly

Companyonly

Employeeonly

Companyonly


Jointly only Jointly Jointly Jointly only Employee Company Employee Company

X X X X Full cost Hospitalization, sur- g ica l, and m edical: Full cost

Life insurance: Full cost

X

(l )

X X X Full cost

(l )

Hospitalization, surgical and m edical: Full cost


(*)

X X Benefits fo r em ployee only or em ployee and one dependent— $0.98 per month; for em ployee and m ore than one dependent— $ 1.96

Balance o f cost

* $1,000 additional life insurance available to employee at cost o f 60 cents per month.Employee retiring due to d isability m ay continue one-half o f contributory insurance in excess o f $500 at same prem ium rate as fo r active em ployee.


82


COMPANY, UNION, AND

DATE OF INFORMATION


New employees become

eligible- —Amount


Casescovered

Amount

Before age—


Singledismemberment

MultidismembermentMaintained Paid in—

Luggage and leather goods industry, various employers

Handbag, Luggage, Belt and Novelty Workers (AFL)

National plan

October 1954

After 90 days' union membership and covered employment

$500 60 X

International Shoe Company

Shoe Workers (CIO)

August 1954


$2,000 65and with more than 10 years' service

X

65and with less than 10 years' service

For period equal to amount of service

Massachusetts Leather Manufacturers' Association

Fur and Leather Workers (Ind.)

July 1954

1st of month following 1 month's employment

$1,000 60 X

Minnesota Mining and Manufacturing Company

Gas, Coke and Chemical Workers (CIO)

August 1954


$1,000 1 60 Lump sum

1 Also, a special death benefit is paid to the dependent beneficiary but not necessarily on all deaths; additional insurance is provided on a contributory basis.


83



Casescovered


benefitor

serviceDuration


room and board

allowance


Peryear

Perdisability


careAmount

P eriodExcept



N onoccupa-tional

$ 18. 50 per week 13weeks per d is ability

1st day 8th day Employese only

$7.50 31 days $232. 50 Up to $37. 50 X

Nonoccupa-tional

Men— $25 per week Women— $ 15 per week



Up to $8 31 days $248 Up to $160 1 X Up to $160

N onoccupa-tional

$ 18 per week 13weeks per d is ability

60 13 weeks per year


Up to $12 60 days 60 Up to $6 $1,080 Full cost o fspecifiedservices


Nonoccupa-tional

Total annual Weekly earnings benefit

13weeks


4th day 4th day Einployee and dependents

L ess than $1,800 ____$15$1,800 to $2,200 ____ 20$2,200 to $2,600 ____ 25$2,600 to $3,000 ____ 30$3,000 to $3 ,800 ____ 35$3,800 and o v e r _____ 40

per d isability Up to $10 70 days $700 F ull cost o f

serv icesX Required services

provided

1 Includes X -ra y charges incurred in d octor ' s office because o f an accident.


84


SURGICAL MEDICAL

COMPANY, UNION, AND





Employee Dependents

C overs cases in—


accepted as full payment if annual incom e is u n d er- Horne

Allowance

Office Hospital

E lse where

Luggage and leather goods industry, various em ployers


$200


Employee

Maximumcompensation

Benefits begin

Sickness i

M axi-mum

numbervisitspaidfor

M axi-mum

numberdayspaidfor

Handbag, Luggage, Belt and Novelty W orkers (AFL)

National plan

October 1954


Appendectomy Up to $ 100


Shoe W orkers (CIO)

Maximum schedule allowanceJ200 $200

_______ Tonsillectom yUp to $30 Up to $30


$3 for each day of confine' ment

$93 per disability 1st day 1st day 31 per d isability

August 1954

Up toAppendec tomy

$100 Up toUp to $ 100 (*)

Massachusetts Leather Manufacturers * Association


July 1954

Individual cov erage, $2 ,000 ; fam ily o f 2,$2, 500; fam ily o f 3 or m ore, $3,000

(2)

Maximum schedule allowance TT50 T$T50

Up to $35T onsillec tomy



Individual co v e r age, $2,000; fam ily of 2, $2,500; fam ily o f 3 or m ore, $ 3,000

( 2 )

Appendectomy Up to $T ?r- |Upto $75

1st day, up to $5;thereafter, up to $3 per day

( 2 )

$65 per disability

( 2 )

1st day 1st day 21 per d isability

(2) (2)


Maximum schedule allowance$200 w


Gas, Coke and Chemical W orkers (CIO)

August 1954


Append ectom yUp to $100 Up to $ 100



1 If surgical operation perform ed, allowance is greater o f (a) $3 for each day of hospital confinement up to day of operatipn; or (b) $3 fo r each day of confinement minus surgical operation allowance.

2 M ore liberal benefits are available to em ployees paying the additional cost.Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

85



Dependents

Accidentand

sickness



AllowanceMaximum

com pensation


numbervisitspaidfor

Maximum

numberdayspaidfor

Otherprovisions

Dailybenefit

orservice

Duration

Maximum room and

board allowance

Extraallowance

orservices

Lumpsum

Scheduleallowance

fornormaldelivery

Amountsand


E lse where

Sickness

A cc ident


Employee only Employee only: Immediately

$7.50 14days

$105 Up to $37.50


(‘ )

$ 93 per disability 1st day lstday 31 per d isa bility

Employee and dependent Employee and dependent:If pregnancy com m ences while insured

$'1 1 100 materni

1 1 ty alio wane

1:e

1st day, up to$5;thereafter, up to $3 per day

(1 2)

$65 per disability

<■>

1st day 1stday 21 per d isability


Employee and dependent Employee and dependent: Hospitalization and surgical— after 12 months

Employee:Accident and sickness— if pregnancy com m ences while insured

Up to $70

Up to $50 Allowance o f up to $15 p ro vided for prenatal X -ra y in d octor ' s o ffice ; allowance for pediatricians care o f premature infant weighing less than 4 Vzpounds

$3 for each day of con fin e ment

$210 per disability 1stday lstday 70 per d isa bility


Employee and dependent Employee and dependent: Hospitalization and surgical— if pregnancy com m ences while insured

Employee:Accident and sickness— imm ediately

Up to $10

10days

$100 Full cost o f serv ices

Up to $50

1 If surgical operation perform ed, allowance is greater of (a) $3 fo r each day o f hospital confinement up to day o f operation; o r (b) $3 for each day of confinement minus surgical operation allowance.

2 M ore liberal benefits are available to employees paying the additional cost.


86


COMPANY, UNION, AND

DATE OF INFORMATION


Types and amounts




insuranceH ospitali


Luggage and leather goods industry, various em ployers

Handbag, Luggage, Belt and Novelty W orkers (AFL)

National plan

October 1954


Shoe W orkers (CIO)

August 1954

Massachusetts-Leather Manufacturers' Association


July 1954


X -ra y therapy allowance for cases in or out o fhospital if used in lieu of surgery— up to $ 125

X -ra y allowances fo r cases in or out o f hospital—up to $ 15 2

Anesthesia allowance for cases in o r out o fhospital— up to $25


G as, Coke and Chemical Workers (CIO)

August 1954


•

P olio allowance— 75 percent o f expenses incurredwithin 3 years after diagnosis and after basic plan benefits have been exhausted. Combined maximum payable under basic plan and this benefit— $5,000

1 Such benefits as X -ra y , anesthesia and electrocard iogram allowances m ay be provided under some plans, although not listed here. Reasons fo r not listing such benefits are set forth in EXPLANATORY NOTES.

* M ore liberal benefits are available to em ployees paying the additional cost.Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

87


FINANCING








onlyCompany




X Full cost

X X Em ployee' s benefits: E m p loyee 's benefits:L ife insurance— $6.80 per month

Dependents' benefits:

Life insurance— balance o f cost Other benefits— full cost

Dependents 'benefits:

$3 .25 per month

Balance o f cost

X

(l )

X

(l )

Full cost— 2 .5 p ercent o f weekly payroll

(l )

X

(a)

X F ull c o s t 2

* Em ployees m ay secure m ore libera l m edical and surgical benefits by paying the additional cost. Em ployee covered by additional life insurance contributes towards its cost.


88



COMPANY, UNION, AND


eligible—


AmountBefore age—



dism em Multi-

d ism em Maintained Paid in—

according to- berment berment

Owens-Illinois Glass Immediately or Annual basic wage Insurance 65 — Installments N onoccu- Annual basic wageCompany 1st o f following

month Lakh than $ 1,500 ___ . _ $ 1,500or lump sum (optional)

pational;occupational

L ess than $ 1,500 ----$ 1,500 to $ 1 ,7 4 1 ___

$1,5002,000

$ 750 $ 1,500Glass Bottle B lowers $ 11 500 to $ l ' 741 ____ _ 2,000 1,000 2,000

(AFL) $1,741 to $2,000 _____ ___ .... 2,500 $1,741 to $2,000 ___$2,000 to $2,500 ___

2,500 1,250- 2,500$2,000 to $2, 500 . ___ . . 3,000 3,000 1,500 3,000

3,500August 1954 $2 , 500 to $3,000 3,500 $2,500 to $3,000 ___$3,000 to $4 ,000 ___

3,500 1,7502,000$3,000 to $4,000 . ____ 4,000 4,000 4,000

$4,000 to $5,000 _ ____ ____ ___ _ 5,000 $4,000 to $5,000 ___ 5,000 2,500 5,000$5,000 to $7, 500 ___ 7,500 $5,000 to $7, 500 ___

$7, 500 and over_«—_7,500 3,750 7,500

$7. 500 and over 10.000 10,000 5,000 10,000

Pittsburgh Plate Glass Life insurance, $2, 000 1 60 _ Installments _ _ .... _ _Company accident and sick<

ness benefits:G lass, C eram ic, and

Silica Sand W orkers (CIO)


Other benefits:October 1954 After 1 m onth 's

employment

Aluminum Company of Am erica


$3,500 60 X — — — — — —

Aluminum W orkers (AFL); Steelworkers (CIO)

November 1954

Chase B rass and Copper Life insurance: Basic annual wage Insurance 60 — Installments N onoccu- _ $2,000 $1,000 $2,000Company 1st o f month fo l

lowing 6 m onths' employmentAccident and -

Less than $1,200 $1,000and insured

pational

Automobile W orkers (CIO) $1,200 to $1,800 _... _______ 1,500 for 1$1,800 to $2,400 _ _ _______________ 2,000 year

August 1954 $2,400 to $4,000 3,000sickness benefits: 84.000 to 85.000 4 000After 90 days' employmentOther benefits:

$5,000 and over— Amount equal to annual wage taken to next higher multiple o f $100


Additional life insurance is provided at the em p loyee 's expense,


89




Extendedcoverage Maximum P er

disability


covered Amount Except benefitor Duration room and

boardExtra allowance

or servicePeryear

Period After age—

Benefits limited Accident Sickness service Days amount allowance

N onoccupa- Annual basic Weekly 26 __ __ 1st day 4th day Employee and dependentstional wage benefit weeks

L ess than $ 1 ,5 0 0 -----$1 ,500 to $ 1 ,7 4 1 ___$1,741 to $ 2 ,0 0 0 ___$2,000 to $ 2 ,5 0 0 ___$2,500 to $ 3 ,0 0 0 ___$3,000 to $ 4 ,0 0 0 ___$4,000 and over____

$15.0016.5019.50

. 22.0027.5033.0044.00

per d isability Up to $ 10 31 days $310 Up to $200 X Up to $200

Occupationalaccidentsonly

F irs t week, sam e as above; next 12 w eeks, 50 percent o f above amount

13weeks per d isability

1st day

Nonoccupa- tional


— — 8th day 8th day Employee and dependents 1

per d is ability Sem i

privateroom

21 days 90 50 percent o f cost o f sem iprivate room

Full cos t o f specified service s fo r 1st 21 days; 50 percent o f charges for additional 90 days


Nonoccupa- tional


— — 1st day 8th day ox 1st in

Employee and dependents........L ____

per d is ability

hospital$13 120 days — $1,560 Up to $ 130 — X Up to $130

Occupational D ifference between W orkmen* s Compensation benefit and above amount


When W orkm en ’ s Compensation benefit is payable

When Workmen* s Compensation is benefit is payable

Nonoccupa- tional


— — 1st day 8th day Employee and dependents

p er d isability Up to $ 12 31 days $372 Up to $200 X Up to $200

1 Hospital Service A ssociation o f Pittsburgh, Pennsylvania (Blue C ross plan) fo r Creighton, Pennsylvania plan; em ployees in other plants covered by different program s.


90



91



Dependents

Allowance

Home O ffice H ospital

E lse where

Maximumcompensation

Benefits begin

Sickness

A cc ident

Maxi-mum

numbervisitspaidfor

Maxi-mum

numberdayspaidfor

Otherprovisions

Accidentand

sicknessDaily Maximum Extrabenefit Dura room and allowance

or tion board orservice allowance services

Hospitalization

Lumpsum

Surgical

Scheduleallowance

fornormaldelivery

Medical

Amountsand

limitations


$5 for each day of con fine - ment

$155 per disability Istday 1st day 31 per d isa bility



_ _ _ Up to Up to$100 $50

<l )

Employ< A fter 9

ee and dependent::ter 9 months

Istday, up to $ 10;2d day up to $5;thereafter, up to $3 per d ay1 2 3

$219 per disability

(2)

1st day

(*)

1stday

(2>

70 per disability

(*)

1 in - hospital bedside consultation per disability, up to $10

(*)


Employee and dependent2

Sem i 10 _ Full cost ___ Up toprivate days of sp ec i $60room fied

serv ices

Employee and dependent: A fter 1 yL year

(a)

Regularbenefits

Employee

for 6 weeks $13 14 $182 Up to Up to _

days $130 $75

Em ployee and dependent:If pregnancy com m ences while insured

Dependent

$13 (*) Up to d ifference between total room and board charges land $130

Up to $75

$3 fo r each day of con finement

$150 per disability Istday Istday Employee and dependent

Up to Up to$100 $60

Em ployee and dependent;H pregnancy com m ences while insured

1 F o r nonhospitalized m aternity cases $60 is provided in lieu o f hospital benefit.2 M edical Service A ssociation o f Pennsylvania and Hospital Service A ssociation o f Pittsburgh (Blue Shield and Blue C ross plans) for Creighton, Pennsylvania plant em ployees; employees in other

plants are covered by different program s.3 Total room and board charges plus charges for extra services lim ited to $130.Digitized for FRASER


92



COMPANY, UNION, AND


Retired employee Dependents o f rietired employee



insuranceH ospitali


Owens-Illinois Glass Company

Glass Bottle B lowers (AFL)

August 1954

Pittsburgh Plate Glass Company

Glass, Ceram ic and Silica Sand W orkers (CIO)

Employee and dependents $ 2,000

X -ray allowance for nonstfrgical cases in o r out of hospital—-$ 5 per treatment, maximum allowance ranging from $50 to $200 per condition1 2

Same as for active employee 3


Same as active

employee

<3)

Same as for retired em ployee 3

Same as for retiredffor em ployee

Same as retired

em ployee 3

October 1954

Aluminum Company o f Am erica

$1,500

Aluminum W orkers (AFL);

Steelworkers (CIO)

November 1954

Chase B rass and Copper Company


30 percent of amount in effect im m ediately prior to retirem ent or $ 1 ,000 , whichever greater


Same as for activ< employee

Same as .active

em ployee


Same as for retirecjfc employee

Same as for dependents o f active em ployee

August 1954


M edical Service A ssociation o f Pennsylvania (Blue Shield plan) for Creighton, Pennsylvania plant em ployees; employees in other plants covered by different program s.3 Extension o f these benefits to retired em ployee and his dependents provided fo r at all except one plant.Digitized for FRASER


93


FINANCING




Benefits for dependents o f retired employee Amount of contribution for-—




onlyCompany




X X E m p loyee 's benefits:Annual basic Monthly wage contribution

L ess than $1,500 _____ $1.50$1,500 to $ 1 ,7 4 1 _____ 2.10$1,741 to $2,000 _____ 2.50$2,000 to $2, 500 _____ 2. 90$2,500 to $3,000 _____ 3.60$3,000 to $4,000 _____ 4 .35$4,000 to $5,000 _____ 6.55$5,000 to $7,500 _____ 8.42$7,500 and over _ 10.30

Dependents' benefits:One dependent, $ 1 .2 5 per month; m ore than 1 dependent, $2.00

Balance of cost

X X X

f

X Hospitalization, surgical, and Life insurance and Life insurance: Life insurance:m edical: Balance of cost

accident and sickness benefits:Full c o s t 1

Other benefits: Benefits for employee only, $3 per month; for em ployee and dependents, $6

$0. 60 monthly per $1,000 o f insurance

Other benefits:Full cost

Balance o l cost

X X X Dependents' benefits:Full cost-—child or children only, $1 .25 weekly; wife only or wife and children, $1.70

E m ployee 's benefits: Full cost

Full cost

X X X X Life insurance: Life insurance: Hospitalization, su r- Life insurance:$0.60 pier month per $ 1,000 of insurance in excess o f $2,000

Full cost o f 1st $2,000 of insurance; balance o f cost o f additional insurance

Other benefits:Full cost

gical and m edical: Full cost

t v l l cost

1 Employee covered by additional life insurance pays the additional cos t for this coverage.


94


COMPANY, UNION, AND

d a t e OF INFORMATION



eligible—Amount


B eforeage—

Insurance is— coverecGraduated


dism em berm ent

Multidism em berm entMaintained Paid in—

Bethlehem Steel Company Immediately or Standard hourly base rate Insurance 60 Until age 65, _ _ _ . . _ _1st o f following thereafter 30

Steelworkers (CIO) month L ess than $1.73 _ . . . . . . . . ................... $3,000 percent o f amouit$1.73 to $ 2 .0 6 _ ..... ....................... - ................... 3,500 in effect or

December 1954 $2 .0 6 to $ 2 .3 9 ______________________ ____________ 4,000 $1,250 , which$ 2 .3 9 to $2 .78 - ___ _ . . - .............. 4,500 ever greater$ 2 .7 8 to $3.11 ...................................... - ............. 5,000$3.11 and over . . . . .. _. . . . . „ ___________ 5,500

Weirton Steel Company Life insurance: Employee Nonoc- Annual earningsImmediately or cupa- [exclusive o f bonus)

Independent Steelworkers 1st o f following tional;Union (ind.) month Annual earnings 60 — Installments o ccu Less than $ 1 ,5 0 0 .0 ]------ $1,500 $ 750 $1,500

(exclusive o f bonus) Insurance pa $1,500 .01 to $2 ,000 .01 2,000 1,000 2,000March 1955 Other benefits: tional $2,000 .01 to $ 2 ,500 .01 2, 500 1,250 2, 500

1st o f $d month Less than $1,500 .01 . . . . . . . __............... $1,500 $2,500 .01 to $ 3 ,000 .01 3,000 1,500 3,000following month o f $1,500 .01 to $2 ,000 .01 ____________ ___________ 2,000 $3,000 .01 to $3 ,500 .01 3,500 1,750 3,500employment $2 ,000 .01 to $2 ,500 .01 ____________ ___________ 2,500 $3,500 .01 to $4 ,000 .01 4,000 2,000 4,000

$2,500 .01 to $3,000 .01 ____________ ___________ 3,000 $4,000 .01 to $4 ,500 .01 4,500 2,250 4, 500$3 ,000 .01 to $3 ,500 .01 . ____ __ ____ _____ 3,500 $4,500 .01 to $5 ,000 .01 5,000 2,500 5,000$3,500 .01 to $4 ,000 .01 __ _________ 4,000 $5,000 .01 to $6 ,000 .01 6,000 3,000 6,000$ 4 ,000 .01 to $4,500 .01 _ . 4, 500 and up$4,500 .01 to $5 ,000 .01 ____ ________ 5,000$ 5 ,000 .01 to $6,000 .01 ____________ ___________ 6,000and up

E m ployee1 s wife

$1,000 — — —

Employee * s children

Age Insurance — — —

14 days to 6 months _____________ ___________ $ 506 months to 2 years _ 1002 years to 3 years 2003 years to 4 y e a rs_____ —______________________ 3004 years to 5 years __ __ ___________ 4005 years to 21 years 500


95


ACCIDENT AND 6ICKNESS HOSPITALIZATION


Extra allowanceroom and Per

Days Dailyamount

boardallowance


covered

Duratidn of benefit?

PeriodExcept

After Benefits limited to -—

Benefits begin

Accident

Dailybenefit

Sickness

P erdisa bility


care

Nonoccupa-tional

$40 per week

Occupational D ifference between W orkm en1 s Compensation benefit and above amount



Sem iprivateroom

120 days Full cost o fspecifiedservices


Nonoccupa-tional

Annual earnings Weekly (exclusive o f bonus) benefit

L ess than $ 3 ,5 00 .0 1 $3 ,5 00 .0 1 to$ 4 ,5 0 0 .0 1 __________$ 4 ,5 00 .0 1 to$ 6 , 000 . 0 1 .$ 6 ,0 00 .0 1 and over

$35

4956



8th day retro active to 1st after 21 days o f d isa - bility

8th day re tro active to 1st after 21 days o f d isa bility


Up to $12

Occupationalaccidentsonly

D ifference between W orkm en ' s Compensation benefit and above amount


8th day retro active to 1st after 21 days o f d isa bility

90 days $1,080 Up to $225 — Up to $225


96


COMPANY, UNION, AND



payment if annual incom e is under— Employee Dependents

Maximum schedule allowance*250 $200


Appende c to my

SURGICAL


C overscases

MEDICAL



Employee

Allowance

Office Hospital

E lse where


Benefits begin

Sickness Accident

Maxi-"mum

numbervisitspaidfor

M axi-mum

numberdayspaidfor

Bethlehem Steel Company

Steelworkers (CIO)

December 1954


Weirton Steel Company

Independent Steelworkers Union (Ind.)

March 1955

Maximum schedule allowance *225------------------------------------------

Honaille" Up to $40

Appendei tJp'to * 1 2 5 ----- "

j z z rHospital, o ff ice , home, elsewhere

ctom yUp to $40

ctom y Up to $125


97


MEDICAL - Continued

Dependents

Allowance


E lse where

Maximumcompensation

Benefits begin

Sick- A cc i- ness dent

Maximum

numbervisitspaidfor


Maximum

numberdayspaidfor

Otherprovisions

Accidentand

sicknessDailybenefit

orservice

Ho spitalization

Maximum ExtraDura room and allowance Lump


Surgical Medical

Scheduleallowance

fornormaldelivery

Amountsand

limitations


Regular benefits for 6 weeks Sem i- 10

private days room

Regular benefits for 6 weeks Up to 14 $

$12 days

Employee and dependent Employee and dependent: Hospitalization and s u r g ic a l - after 9 months


Up to $60Employee:Accident and sickness— if pregnancy com m ences while insured


168 Up to $225

Up to $75

Employee and dependent:1st o f 8th month following month o f employment or month of reporting dependent


98


COMPANY, UNION, AND

DATE OF INFORMATION


Types and amounts



di sm em oer mentHospitalization Surgical M edical Life

insuranceH ospitali


Bethlehem Steel Company

Steelworkers (CIO)

December 1954

Retiring at age 65: 30 percent o f amount in effect im m ediately prior to retirem ent or $1 ,250 , whichever greater

Retiring prior to age 65:Amount in effect at retirem ent maintained until age 65; thereafter 30 percent o f amount or $1 ,250 , whichever greater

Weirton Steel Company

Independent Steelworkers Union (Ind.) '

M arch 1955

Retiring after age Retiring at normal Retiring60 with 15 years retirem ent age: at normalservice : Room and board

allowance o f $7.50 per day fo r 45 days and allowance for extra services o f up to $75 per year

re tire -TT7Z3T* ment age:

Same as fo r active employee

1 Such benefits as X -ra y , anesthesia and electrocard iogram allowances m ay be provided under som e plans, although not listed here* Reasons fo r not listing such benefits are set forth in EXPLANATORY NOTES.

a R etired em ployees may continue total amount o f insurance (up to $30,000) in effect im m ediately p rior to retirem ent by contributing towards its cos t .Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

99


FINANCING






only Jointly only Jointly only only Jointly only only Jointly only Employee Company Employee Company

_ X _ X _ _ X _ _ _ _ Standard Monthly contribution $0,045 per hour (l ) (l )

(l )hourly No base depend* rate ents

L ess than $1.73 $6.25$1.73 to $2 .06__ 6.55$2 .06 to $2 .39— 6.85 $2 .39 to $2 .78— 7.15 $2.78 to $3 .11— 7.45 $3.. 11 and over__ 7. 75

Withdepend*

ents

$7.50 7.80 8.10 8.40 8.70 9.00

worked by p artic ipating employee

X X X 40 percent of cost 60 percent o f cost Hospitalization and surgical:$ 1 .00 per month

Life insurance: Full cost *

Other benefits:$ 1.50 per month

Financed by active em ployee and company contributions; see contribution columns for benefits for em ployee and dependents. Em ployees continuing total amount o f insurance in effect prior to retirem ent contributes the same amount as an active em ployee.


100


COMPANY, UNION, AND

DATE OF INFORMATION



eligible- —Amount


Casescovered

Amount

B efore age—




United States Steel Corporation

Steelworkers (CIO)

December 1954


Standard hourly wagescale rate earnings Insurance

L ess than $ 1 .7 3 ............................................................ $3,000$1.73 to $2.06 .................................................. ..... 3,500$2 .06 to $2 .39 _ __ __ __ ___ ______ 4,000$2 .39 to $2.78 ____ _ _ _ ____ 4,500$2 .78 to $3.11 _______ _ _ _____________ 5,000$3.11 and over __ __ „ ____ __ __ ___ _ 5,500

(l )

60 Until age 65,thereafter$1,250

American Can Company

Steelworkers (CIO)

December 1954

( 2)

A fter 3 months1 employment

Men, before age 65; women, before age 60:Insurance

Base weekly earnings Men Women

Less than $30.00 _ „ _ ........................... $3,200 $1,600$30.00 to $ 4 0 ,0 0 . . . . . . . 4,200 2,100$40.00 to $ 4 6 .0 0 ........................ _ ................... 4,800 2,400$46.00 to $ 5 2 .0 0 . ____ __ ___ __ ____ 5,500 2,750$52.00 to $ 5 8 .0 0 _________________________ 6,100 3,050$58.00 to $64.00 _ _ _____________ 6,700 3,350$64.00 to $ 7 0 .0 0 . .......................... 7,300 3,650$70.00 to $ 7 6 .0 0 .............................................. 7,900 3,950$76.00 to $ 8 8 .0 0 .......................................... 9,200 4,600$88.00 to $100.00 ............ ............................... 10,400 5,200$100.00 to $11 5 .39__ ___________________ 12,000 6,000$115.39 to $126.93 ____ ___ 13,200 6,600and up

Men, age 65 and over; women, age 60 and over:Amount in effect on Decem ber 1st nearest 65th birthday for men and 60th for women reduced according to service

Amount continuedYears of service Percent Minimum

25 and over .................... . . . . . . _ 50 $1,50015 to 25 ------ . . ------ 25 1,500Under 15______ ____ _ _ — 1,500

At any age

Until age 65 (60 fo r women),then reduced in same manner as for active employee

Am erican Radiator and Standard Sanitary Corporation (Louisville, K y.)

Standard A llied Trades Council (AFL)

October 1954

After 1 m onth 's employment

$1,000 60 X N onoccu-pational

$1,000 $500 $1,000

Employee may purchase additional insurance by paying full cost. Includes revisions in existing plan to becom e effective March 15, 1955,


101


ACCIDENT AND SICKNESS HOSPIT AL1Z AT ION


room and Extra allowance PerDaily


Days allowance

Casescovered


Except

After age—

Benefits limited

Benefits begin

Accident Sickness

Dailybenefit

orservice

DurationPer

disability


care

Nonoccupa-tional

$40 per week

Occupational D ifference between W orkmen 1 s Compensation benefit and above amount



Sem i- 120 days Full cost o f X Required servicesprivate specified providedroom services

Nonoccupa-tional

Base weeklyearnings

Weeklybenefit

L ess than $64.00 ___$64.00 to $70.00 ___$70.00 to $76.00 ___$76.00 to $88 .00 ___$88.00 to $ 1 0 0 .0 0 __ $100.00 to $ 1 1 5 .3 9 - $115.39 and over___

$30.5033.5036.5041.0047.0053.5060.00



Up to $15 120 days

Occupational D ifference between W orkm en' s Compensation benefit and above amount

$1,800 Up to $ 150, plus 75 percent oi next $2,000 o f charges

Up to $150, plus 75 percent of next $2,000 of charges

Nonoccupa-tional

$21 per week 13weeks per dis ability


40 days — $240 Full cost o f _ .. X Required servicesspecified serv providedice s , plus up to $1,000 drugallow ance1

F or such drugs as penicillin and streptom ycin after patient pays first $25.


102


SURGICAL

COMPANY, UNION, AND



payment i f annual income is under—


Steelworkers (CIO)

December 1954

Am erican Can Company


Employee Dependents

Maximum schedule allowancef200 JZOO

Tons illec tomyUp to $40 Up to $40

Append*s c tomyUp to $16o Up to $106

Maximum schedule allowance$250" $250

Steelworkers (CIO)

December 1954

(l )

Tonsillectom yUnder age 12, up to $30; over age 12, up to $50

Appendec tomyUp to $125 Up to $125

Am erican Radiator and Standard Sanitary Corporation (L ouisville , Ky.)


October 1954

Maximum schedule allowance$200$200

Tonsillectom yUp to $30 |Up to $30

_______ AppendectomyUp to $100 | Up to $100

MEDICAL

C overscasesU1B ■


accepted as full payment if annual income is u n d er - Horne

Allowance

Office H ospi- Else* tal where



$4 for each day of confinem ent2

$


Employee

Maximumcompensation

Benefits begin

Sickness Accident

KJaiT“mum

numbervisitspaidfor

"M axi-mum

numberdayspaidfor

124 per disability 1st day 1st day 31 per d isa bility

Includes revisions in existing plan to becom e effective March 15, 1955.If surgical operation perform ed, allowance is greater of (a) $4 for each day o f hospital confinement up to day of operation; o r (b) $4 for each day o f confinement minus surgical operation allowance.Digitized for FRASER


103



Dependents

Allowance

Office H ospital

E lse where

Maximumcompensation

Benefits begin

Sickness

A cc ident

Maximum

numbervisitspaidfor

Maximum

numberdayspaidfor

Otherprovisions

Accidentand



Ho spitalization

Lumpsum

Surgical

Scheduleallowance

fornormaldelivery

Medical

Amountsand

limitations

' Benefits available to newly insured


Employee and dependent Employee and dependent:

Sem i- 10 Full cost _ Up to _ _after 9 months

days of sp ec ifiedservices

$60 Employee:A ccident and sickness— immediately

$4 for each day of con fin e m ent1

$ 124 per disability 1stday

1stday

31 per disability


Employee and dependent Employee and dependent;

Up to $15

( a) Up to difference between total room and board charges and $120

Up to $75

If pregnancy com m ences while insured



Up to$6

10days

$60 Full cost Up toof sp ec ified

$50

serv ices ,plus up toiT T o o odrug a llowance 1 2 3

Employee and dependent:Surgical— if pregnancy com m ences while insuredHospitalization— immediately

Employee:Accident and sickness— if p regnancy com m ences while insured

1 If surgical operation perform ed, allowance is greater of (a) $4 for each day of hospital confinement up to day o f operation; o r (b) $4 for each day of confinement minus surgical operation allowance.2 Total room and board allowance plus charges for extra services lim ited to $120.3 F or such drugs as penicillin and streptom ycin after patient pays first $25.Digitized for FRASER


104


COMPANY, UNION, AND

DATE OF INFORMATION


Types and amounts

Retired employee Dependents of rietired employee



insuranceH ospitali



Steelworkers (CIO)

December 1954

Retiring at age 65: $1,250

Retiring after age 60 but before age 65 due to disability: Full amount in e ffect imm ediately p rior to re t ire ment maintained until age 65, thereafter $1,250

Am erican Can Company

Steelworkers (CIO)

Decem ber 1954

<*)

Men retiring at ag< 65 and women at age 60 with at least 10 years service :Amount in effect on Decem ber 1st nearest 65th birthday fo r men and 60th fo r women reduced according to serv ice :

Years Amount o f continued

se rv - P e r - M ini- ice cent mum

25 ormore _ 50 $ 1 ,00C 20 to25____ 25 1,00015 to2 0 - ___ 25 50010 to15____ — 50C

Am erican Radiator and Standard Sanitary Corporation (Louisville, K y.)


October 1954

1 Such benefits as X -ra y , anesthesia and e lectrocard iogram allowances m ay be provided tinder som e plans, although not listed here . Reasons fo r not listing such benefits are set forth in EXPLANATORY NOTES.

* Includes revisions in existing plan to becom e effective March 15, 1955.Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

105


FINANCING








onlyCompany




X X X

n

Standard hourly Monthly contribution wage scale No With

rate depend- depend- earnings ents ents

Less than $1.73 $6 .25 $7.50 $1.73 to $ 2 .0 6 - 6.50 7.75 $2 .06 to $ 2 .3 9 - 6.70 7.95 $2 .39 to $ 2 .7 8 - 6 .95 8.20 $2.78 to $ 3 .1 1 - 7 .15 8.40 $3.11 and o v e r - 7.40 8.65

$0,045 per hour worked by p artic ipating employee

(l ) o


X X Benefits for em ployee only, $0 .75 per month; for em ployee and dependents, $1.50

Balance o f cost

1 Financed by active em ployee and company contributions; see contribution columns for benefits for em ployee and dependents.-


106



COMPANY, UNION, AND


eligible- -


AmountB eforeage—



dism em Multi-

d ism em Maintained Paid in—

swworuui| berment berment

California Metal Trades Association

Machinists (AFL)

August 1954


$2,000 60 X N onoccu-pational

$2,000 $1,000 $2,000

Continental Can Company After 6 m onths1 Annual base pay Insurance 65 F or 1 year (or ___ _._ — _ _ ____ _Steelworkers (CIO)

employmentLess than $2,500 _______ _ $ 4 r000

for period insured, if less

$2,500 to $3,000 ___ _____ 5,000 than 1 year)February 1955 $3,000 to $4,000 ____ ________ 6,000

$4,000 to $5,000 _ _ ___ ______________ 8,000$5,000 to $6,000 _ ______________ 10,000£6.000 to £7.000 12.000and up

Deere and Company Im mediately o r Service Insurance 65 — Installments N onoccu- S ervice

Automobile W orkers1st o f following month Lea* then 6 months ____ $ 500

pationalL ess than 6 m onths.. % 500 $ 250 $ 500

(CIO) 6 months to 2 years _ . 2,500 6 months to 2 years . 2 years and o v e r ___

2,500 1,250 2,500One2 m ara and over One 50 p e r

July 1954 earnings: Minimum— 2,500

Maximum— 10,000

y e a r 's earnings: M ini- m unr~ F275&0 Maximum SltTooo

cent o fdeathbenefit

year* s earnings: Minimum—£273ooMaximum—$ 16,000


107



Du^atidn of benefits Benefits beginDaily


disability



Dailyamount

room and board


P eryear

Period After age—

Benefits limited to-—


— — — — — — — Employee

(l ) (l ) (M (*) (*) n (*)Up to $15 a 70 days $1,050 Up to $300, plus

75 percent o f next $4,000 o f charges, plus up to $25 ambulance allowance


Dependents

Up to $12 31 days $373 Up to $240, plus 75 percent of next $1,000 of charges, plus up to $25 ambulance allowance


Nonoccupa- Annual base Weekly 26 _ _ 1st day 8th day Employee and dependentstional pay benefit weeks

Less than $2,500____ $30$2,500 to $3 ,000____ 35$ 3,000 and over — 40

per d isability Up to $15 120 days — — $1,800 Up to $150, plus

75 percent o f next $2,000 o f charges

— X Up to $150, plus 75 percent of next $2,000 of charges

Occupational D ifference between W orkm en1 s Compensation benefit and above amount

Nonoccupa- tional


— — 8th day 8th day Employee and dependents

per d isability Sem i-

privateroom

70 days Full cost o fspecifiedservices


No accident and sickness insurance benefit provided by plan; employees covered by the California State tem porary disability law. See Appendix A. Includes any amount payable under the California State temporary disability law.


108


SURGICAL MEDICAL

COMPANY, UNION, AND





Employee Dependents

Employee

Covers cases in—



Allowance


Elsewhere

Maximumcompensation


Maximum schedule allowance ?350-------- -------- ------------------------j m r


Up to $6 per visit

Up to $4 per visit

Up to $3 per visit

Home and office: $300 per year

Machinists (AFL)

August 1954Up to $53

TonsillectomyUp to $45

_______ AppendectomyUp to $175 (Up to $150

Hosp$ T l0

ital;per year

Continental Can Company

Steelworkers (CIO)

February 1955


TonsillectomyUp to $50 Under age 12,

up to $30; over age 12, up to $50

Appendec tomyUp to $ 125 Up to $125

Hospitaloffice

$4 for each day of confinement1

$124 per disability

Deere and Company


July 1954

Maximum sc hedule allowance$300 $300

TonsillectomyUp to $45 Up to $45



Up to $ 2.00 per visit


$637 during 1st 26 weeks from date of 1st visit or $175 during full period of disability, whichever greater

Sickness Accident

Benefits begin Maxi-” Maximum mum

number numbervisits dayspaid paidfor for

1 per _daya.nd

office: 3d visit

1stvisit

Hospital: 1st visit

1st day 1st day 31 per disability

1st day 1st day 1 per day

tip toendec tomy

Up to $150

If surgical operation performed, allowance is greater of (a) $4 for each day of hospital confinement up to day of operation; or (b) $4 for each day of confinement minus surgical operation allowance.


109



Dependents Ho spitali zation Surgical Medical



allowancefor

normaldelivery

Benefits available to


Elsewhere

Maximumcompensation Sick

nessAccident

numb'ervisitspaidfor

numberdayspaidfor

provisions sickness benefitor

service

Duration

room and board

allowance

allowanceor

services

Lumpsum

Amountsand

limitationsnewly insured

____ ___ Up to ___ $93 per disability 1st 1st 1 per _ — Employee Employee and dependent:$3 per visit visit day;

31 days per disability

li pregnancy commences while insuredvisit i r i |

Up to $150 maternity allowance_______ 1____________ 1___________ 1______ 1__________

Dependent

11 1 Up to $ 100

n imaternity i

1 1 allowai

1ice

___ ___ $4 for ___ $ 124 per disability 1st 1st _ 31 per Regular Employee Employee and dependent:each day day disa benefits If pregnancy commences while

insuredday of confinement1

bility for 6 weeks Up to

$1514days

$210 Up to $100

— Up to $75 —

Dependent

Up to $15

(a) Up to difference between total room and board charges and $120

Up to $75

___ ___ $3.50 ___ $245 per disability 1st 1st _ 70 per ___ Regular Employee Employee and dependent:for day day disa benefits If pregnancy commences whileeach day of confinement

bility for 6 weeks Semi

privateroom

70days

Full cost of specifiedservices

— Up to $75 —insured

Dependent

Up to $70

Up to $75

* If surgical operation perform ed , allowance is greater of (a) $4 for each day of hospital confinement up to day o f operation; o r (b) $4 fo r each day o f confinement surgical operation allowance*2 Total room and board charges plus charges for extra services lim ited to $120.


n o


COMPANY, UNION, AND

DATE OF INFORMATION


Types and amounts

Retired employee Dependents of rtetired employee


dismembermentHospitalisation Surgical Medical Life

insuranceHospitali



Machinists (AFL)

August 1954


Additional accident expense allowance (for expenses incurred within 90 days of accident in excess of those covered by other plan benefits)— up to $300

Polio allowance (in lieu of all other plan benefits, lor all expenses incurred within 2 years after disability commences)— up to $5,000

Employee only

Diagnostic X-ray and laboratory allowance for nonhospitalized cases— up to $ 100 for any one accident and all sickness during any 12 month period

Continental Can Company

Steelworkers (CIO)

February 1955

Retiring at age 65: Amount in effect immediately prior to retirement reduced 10 percent immediately and 10 percent annually thereaftei to minimum of 50 percent of amount in effect prior to initial reduction

Deere and Company


July 1954

Laboratory and X -ray examination allowance for nonhospitalized cases:Employee—-"Up to $2$ per disability Dependents— up to $15 per disability

Allowance for care and treatment if treated in doctor's o If ice instead of hospital, in connection with surgery or accident:Employee only— up to $15 per disability for expenses in excess of medical, laboratory and X -ray examination benefits

$1,000

Disability retirement: Amount in effect immediately prior to retirement maintained until age 65, thereafter $1,000




Same as forretiredemployee

1 Such benefits as X -ray , anesthesia and electrocardiogram allowances may be provided under some plans, although not listed here, EXPLANATORY NOTES.

Reasons for not listing such benefits are set forth inDigitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

I l l


FINANCING


Benefits for employee's dependents






onlyCompany




X X Dependents' benefits:Full cost— $ 6 .1$ per month

Employee's benefits: Full cost


X X X X All benefits except life and acciden- Life and accidental Hospitalization and Life insurance:tal death and dismemberment insurance:Benefits lo r employee only, $2 .09 per month; for employee and dependents, $6.66

death and dismemberment insurance: Full cost

Other benefits: $2.6$ per month

surgical:Full cost—benefits for employee only, $1.44 per-month; for employee and dependents, $5.82

Full cost


112



COMPANY, UNION, AND

DATE OF INFORMATION New employees become

eligible- —Amount



Beforea g e -

insurance is—

Maintained Paid in

casescovered Graduated

according to—

Amount

DeathSingle

dismemberment

Multidismemberment

International Harvester Company


$2, 800 combination term and paid up insurance At any__

For 1 year Nonoccu-pational

$1,500


July 1954

Additional group term insurance:Base weekly earnings

Less than $ 4 8 .0 8__$48.08 to $ 6 7 .3 1__$67.31 to $ 8 6 .5 4__$86.54 to $105.77 _ $105.77 to $125.00. and up

Caterpillar Tractor Company

After 30 days1 employment

Base hourly rate


January 1955

Less than $ 1 .345______$1,345 to $ 1 .6 8 5 ______$1,685 to $ 2 .2 5 5 ______$2,255 and ov er______

60 X

Insurance

Regular weekly earnings

$2. 0003, 0004, 0005, 0006, 000

Less than $ 5 2 .5 0 . $52. 50 and over __

Insurance

$ 2, 0003, 0004, 0005, 000

60andinsured 2 years

Installments Nonoccu-pational;occupational

Base hourly rate

Less than $ 1 .345___$1,345 to $ 1 .6 8 5 ___$1,685 to $ 2 .2 5 5 ___$ 2.255 and o v e r _ _ _

$ 2 ,0 0 03, 0004.0005.000

$1,040 $2,080 1, 300 2, 600

(*)

$ 1, 0001.5002,0002.500

$2345

(*)

,000,000,000,000

(3)

Upon expiration of one year, employee may retain paid-up insurance purchased by his contributions or receive the cash surrender value. Also covers loss of limbs or loss of vision in both eyes due to disease.Additional insurance is provided at extra cost.Digitized for FRASER


113



Extended coverage Maximum


Days Dailyamount

boardallowance


covered


Except

After age—

Benefits limited t o —

Benefits begin

Accident

Dailybenefit P er

disability


care

Nonoccupa-tional

Regular weeklyearnings

Weeklybenefit

Less than $ 52. 50___$ 52 .50 to $ 62 .50 ___$ 62 .50 to $ 72 .50 ___$72. 50 and over____

$ 27 .5032.50 37. 5042.50

52.weeks per d isability

1st day 6th workday or 1st workday in hospital

Employee

Up to $ 10 .70 days — — $700 Up to $ 150 — X Required services provided

Dependents

Up to $ 8 31 days — — $248 Up to $ 120 — X Required servicesprovided

Nonoccupa-tional

Base hourlyrate

Weeklybenefit

L ess than $ 1 .3 45 ____ $25$ 1.345 to $ 1 .6 85 ____ 30$1,685 to $ 2 .2 55 ____ 35$2,255 and over_____ 40

26weeks per dis ability

8th day or 1st in hospital



Semiprivateroom

70 days Full cost ofspecifiedservices



114



115



Dependents

Allowance

Home O ffice H ospital

E lse where

Maximumcompensation

Benefits begin

Sickness

A cc ident

Maxi<mum

numbervisitspaidfor

Maxi-mum

numberdayspaidfor

Otherprovisions

Accidentand

sickness

Hospitalization Surgical M edical

Dailybenefit

orservice

Duration

Maximum room and

board allowance

Extraallowance

orservices

Lumpsum

Scheduleallowance

fornormaldelivery

Amountsand

limitations

Employee

Up to $10

14days

$140 Up to $150

— Up to $62 .50

—


$4 fo r each day of confinement

$ 124 per disability 1st day 1st day 31 per disability

$50 Employee and dependent:If pregnancy com m ences while insured

Dependent

-------------- 1-----------------1----------1$75 maternity allowance

$ 2 .5 0 for each day o f con finement

$ 175 p er disability 1st day 1st day 70 per disability

Regular benefits fo r 6. weeks

Em ployee and dependent

Semiprivate

10days

Full cost o fspecifiedservices

Up to $50

Employee and dependent: i f pregnancy com m ences while insured


116


COMPANY, UNION, AND

DATE OF INFORMATION

International Harvester Company


July 1954

Caterpillar T ractor Company


January 1955

OTHER BENEFITS EXTENSION OF BENEFITS TO— (must be at least on group rate basis)

Types and amounts

R etired employee Dependents o f rtetired em ployee


di smembermentHospitalization Surgical M edical Life

insuranceHospital!**

nation Surgical M edical

Employee only

Diagnostic X -ra y and laboratory examination allowance for nonhospitalized cases—-up to $25 per U sability

Retiring at age 60 with 25 year 8* service and insured lo r 5 year 8 at tim e o f re tire ment, or at age 55 with 15 years1 service if due to disability: Amount of paid-up insurance accu mulated p rior to retirem ent or $ 1 ,2 00 , whichever greater

Retiring at age 65with ~l0 y e a r ? -------service and insured S years at tim e o f retire -"^ ment:T I T o o o

Retiring at age 65 with 1 0 years* service and insured S years at time o f retirement:Same as Tor active employee but lim ited to 21 days during period of retirement

Retiring at age 65 w ith ! 0 years* service ' and insured 5 years at time o f" retirement: Same as Eor active employee


Same as forretiredem ployee

but lim ited tomaximum of $175 tor a ll operations luring period of retirement

1 Such benefits as X -ra y , anesthesia and e lectrocard iogram allowances may be provided under some plans, although not listed here. Reasons fo r not listing such benefits are set forth in EXPLANATORY NOTES.


117


FINANCING

Benefits fo r em ployee

Benefits fo r em ployee*s dependents


Benefits for dependents of retired employee Amount o f contribution fo r

Benefits fo r retired employee ________ and dependents_________Company

only Jointly Company only Jointly Employee Company

only only Jointly Employeeonly


only

Benefits for em ployee and dependents


X X X Combination paid-up and term life insurance:V aries according to age o f entry into plan: Those entering at age 45 and tinder contribute $ 2 .6 0 monthly; for those entering after age 45 the above amount is increased by approximately $ 0.17 up to maximum o f $ 5 .2 0 fo r those entering plan at age 60 and over 1

Accidental death insurance:Full cost

Other benefits: Balance o f cost

L ife insurance:Employee contribution ceases, paid-up insurance (financed by employee prior to retirem ent) continues in effect; company pays cost o f d ifference between em ployee- financed paid-up insurance (if less than $ 1. 200) and guaranteed minimum coverage o f $ 1.200

Additional group term life insurance: Base weekly Monthlyearning 8 contributions

L ess than $ 4 8 .0 8 _____ $ 1 .0 0$48 .08 to $ 6 7 .3 1 ___________ 1.50$67 .31 to $ 8 6 .5 4 ___________ 2 .00$86 .54 to $105 .77____ 2 .50$105.77 to $ 1 2 5 .0 0 ___ 3.00and up

Dismemberment insurance and accident and sickness benefits:Base weekly Monthlyearnings contributions

L ess than $ 5 2 .5 0 -------- $ 1 .6 9$52 .50 to $ 6 2 .5 0 _____ 2 .00$62 .50 to $ 7 2 .5 0 _____ 2 .30$72. 50 and. over .______ 2 .60

Hospitalization, surgical, and m edical;Benefits fo r em ployee only, $ 0 .7 8 per month; for em ployee and 1 dependent, $ 2 .2 1 ; fo r em ployee and 2 or m ore dependents, $ 3 .1 2

X X X X Life and accidental death and d ism emberment insurance and accident and sickness benefits:Base hourly ! Monthlyrate contributions8

Balance o f cost

L ess than $ 1 .345_____ $ 1 .8 0$1,345 to $ 1 .6 8 5 _____ 2 .50$1,685 to $ 2 .2 5 5 _____ 3 .20$2,255 and over_______ 3.90

Hospitalization and "surgical:Benefits for em ployee only, $ 1.45 per month; for em ployee and children, $ 2 .5 0 ; for em ployee and spouse, $ 3 .9 0 ; for em ployee, spouse, and children, $ 4 .9 0


Hospitalization and surgical: Balance o j cost

Other benefits:Benefits fo r em ployee only, $0 .9 5 per month; for em ployee and children, $2 .00 ; fo r em ployee and spouse, $ 2 .6 0 ; fo r em ployee, spouse, and children, $ 3 .6 0

a ? * ^ ? yeV ? contribution **ed to purchase paid-up insurance; company purchases term insurance to make up difference between paid-up insurance and $2 ,8 00 . Additional insurance m ay be purchased by the employee at extra cost. ^ up ana


118


COMPANY, UNION, AND

DATE OF INFORMATION



eligible- —

LIFE INSURANCE


Beforea g e -

insurance is

Maintained Paid in


C asescovered

Amount




Radio Corporation of Am erica (RCA V ictor Division)

E lectrical W orkers (CIO); E lectrical W orkers (AFJL)

October 1954

Life insurance, accident and sickness benefits:

Annual base wage Insurance 60 Installments


Other benefits: A fter 66 days* employment

Less than $ 1, 200 .$ 1,200 to $ 1,800 __$ 1 ,8 00 to $ 2 ,4 00 . $ 2 ,400 to $ 3 , 000 .$ 3, 000 to $ 3, 600 .$ 3 ,600 to $ 4 ,2 00 ____$ 4 ,200 to $ 4 ,8 00 .$ 4 , 800 to $ 5 ,4 00 . $5 ,4 00 to $6 , 000 .

... $1 ,500

... 2,500

... 3,500

... 4 ,000— 5,000— 6,000... 7,000... 8,000

9,000$ 6 ,000 to $ 6, 600 ___________ ______________________ 10, 000

$250 ;

Westinghouse E lectr ic Corporation

E lectrical W orkers (CIO)

September 1954


P rior to age 65: B asic monthlyearnings"

L ess than $ 175-$175 to $ 2 1 5 -----$215 to $ 2 6 0 ___

B asic monthly Insurance earnings

$260 to $350 .

Insurance

$2,500 3,000

. 3,500

$4,500$350 to $435 ______ 5,500$435 to $650 ______ 7,500and up

A fter age 65: *F or em ployee h attaining age 65 p rior to 1958, a percentage o f insurance in effect on September 1, 1950 is continued. Percentage varies according to year 65 is attained—-

Percent o fYear attaining insuranceage 65 continued

60 and with 5 years1 service andperm anentlyandtotally ' disabled

$500 Installments, full amount less $500

60andtotallydisabled

Until age 65, then reduced in same manner as fo r active em ployee

1950 .... _ - _ ____ 1001951 ____ _______ __ ____ _ 951952 _ _______________^ ............ _ 051953 751954 _ ______ 651955 _____ __ _ _____ .. . 551956 .. . _____ 451957 ___________________ ------- - 35

F or em ployees attaining age 65 in 1958 o r la ter, 25 percent o f insurance in effect imm ediately p rior to attaining age 65 continued, minimum $750.

* 1 Provided in addition to insurance based on employee* s annual base wage.1 Employee must have 5 years* continuous service im m ediately p rior to attaining age 65 to be eligib le fo r insurance after age 65.


119





disability



Dailyamount

room and board


P eryear

■Period Afterage—



N onoccupa-tional

B asic benefit Employee and dependents 1

Average weekly Weekly 26 . - 8th day, 8th day, Up to $ 10 31 days __ . $310 Up to $ 100 _ X Up to $ 50earnings benefit weeks re tro - retro -

L ess than $ 3 6 . $22 $36 to $40___________ 24

per d isability

active to 1st after 4 weeks'

active to 1st after 4 weeks'

Supplementary benefits for em ployee only a

$40 to $50 . . 28$50 to $60 .................... 32$60 and over . . . . 35

disability disability$2 20 days — $40 — X —

Supplementary benefit

$ 2 . 10 per day 100 days per d isability

Upon ce s sation of basic benefit

Upon ce s sation o f basic benefit

Occupational D ifference between W orkm en 's Compensation benefit and 80 percent o f base weekly wage


When W orkm en 's Compensation benefit is payable

When W orkm en 's Compensation benefit is payable

N onoccupa- B asic monthly Weekly 26 __ 8th day 8th day Employee p r ior to age 65 and dependents *tional earnings benefit weeks

<3) L ess than $17 5_____ $25$175 to $ 2 1 5 ________ 28$215 to $ 2 6 0 ________ 31$260 to $ 3 5 0 ________ 33$350 to $435 34

per disability

<3) (3) (3) (3) (3)

Up to $ 10 (S) — — $700 Up to $ 100, plus 75 percent o f next $ 2 ,000 o f charges

** X Required services provided

$435 to $650 36 $ 650 and ov e r 38 JEmployee after age 65 *

(3)Up to $7 n $147 Up to $70 X Required services

provided

234 9 4

benefits7

F or Camden, New Jersey em ployees and their dependents; benefits fo r other em ployees in other areas may vary according to loca l hospital rates.Provided in addition to basic hospitalization benefits; payable only while em ployee is continuously confined to hospital for at least 8 days and is receiving accident and sickness benefits.Benefit discontinued at age 65.Em ployees under 65 may select alternative maximum room and board benefits o f $ 12 or $7 ; prem ium s are adjusted accordingly.Duration depends on daily room and board charges; total allowance lim ited to $700.Available to em ployees with at least 15 years ' continuous service im m ediately p rior to reaching age 65 and insured under plan as long as elig ib le . The total amount o f hospitalisation and surgical lim ited to $500 during the balance o f the em ployee's life . Dependents' benefits discontinued when em ployee reaches age 65.Duration depends on daily room and board charges; total allowance lim ited to $ 147.


120


COMPANY, UNION, AND




SURGICAL


Employee Dependents

C overscases

MEDICAL



Employee

Allowance

Office Hospital

E lse where


Benefits begin Maxi Maximum mum


— 31 per d isa bility

Radio Corporation o f Am erica (RCA V ictor Division)

E lectrical W orkers (CIO); E lectrical W orkers (AFL)

October 1954

Maximum schedule allowance*255---------------|*25(r

’ton s illectom y"Up to”*5'0“ ' tip to$F (T

Hospital, office , home, elsewhere

(*)

Up to $4 per day

$ 124 per disability 1st day 1st day

Appendectomy( i p t r r ^ T f p t o f M

(l ) (*)



September 1954

P rior to age 65, up to $40 after age 65 , 1 up to $28

jfonsiilectonr

, AppendectomyP r io r to age 65, up to $125; after age 65, 2 up to $87. 50

T T T TMaximum schedule allowance P r io r to age 65, $175; after age 6 5 ,1 2 3 $ 122.50


ictomyCixUd, up to $25; w ife, up to $40

'Up To $125'

(#>

1 F or Camden, New Jersey em ployees and their dependents; benefits fo r other em ployees in other areas may vary according to loca l surgical ra tes.2 Available to em ployees with at least 15 years* continuous service imm ediately p rior to reaching age 65 and insured under plan for as long a s elig ib le ; total amount o f hospitalization and surgical

benefits lim ited to $500 during balance o f employee*s l ife .3 Dependents benefits discontinued when em ployee reaches age 65.Digitized for FRASER


121


MEDICAL - Continued

Dependents

Allowance


E lse where

Maximumcompensation

Benefits begin


Maximum

numbervisitspaidfor

Maxi-mum

numberdayspaidfor

Otherprovisions

Accidentand

sickness



Dailybenefit

orservice

Duration

Maximum room and

board allowance

Extraallowance

orservices

Lumpsum

Scheduleallowance

fornormaldelivery

Amountsand

limitations


Up to $4 per day

$ 124 per disability 1st day 1st day 31 perd isability

Up to 14 $ 10 days


$ 140 Up to ISO1

Up to $100


*r

Employee and dependent: i f pregnancy com m ences while insured

Em ployees covered by co llective bargaining agreement with E lectrical W orkers (CIO) and dependents o f these em ployees also receive up to $20 for nursery care o f infant.


122


COMPANY, UNION. AND

DATE OF INFORMATION


Types and amounts


L ife insuranceAccidental death and


insuranceH ospitali


Radio Corporation of A m erica (RCA V ictor Division)

E lectrical W orkers (CIO); E lectrical W orkers (AFL)

October 1954

Em ployee and dependents

Anesthesia allowance for cases in and out o f hospital, i f surgeon makes a separate charge for anesthesia-— up to $ 1$Nonem ergency accident and sickness allowance in out-patient department o f hospital— up to $50 per disability

Retiring at age 65: With 10 years or m ore service , 40 percent o f amount in effect at tim e of retirem ent; with 5 to 10 years service , 20 percent of amount in effect at tim e o f retire ment



September 1954

Retiring at age 65 or later: 2 Same as fo r active em ployee after age 65

Retiring p rior to agel>5: 3Same as fo r active em ployee


<1 * 3 4 )

Same as foractiveem ployee

(•)

Same as fo r dependents o f active em ployees

(#)

Same as fo r dependents o f active em ployee!

<5)


* Available if em ployee com pleted 5 yea rs ' continuous service im m ediately p rior to retirem ent or age 65, whichever occurs firs t.3 Available if em ployee retires on pension, which requires a minimum of 15 yea rs ' serv ice ; if retiring on disability pension, employee is covered by the $500 life insurance left in fo rce under

permanent and total disability provision .4 Available only to em ployees retiring with minimum of 15 years ' serv ice p rior to retirem ent date o r age 65, whichever occurs firs t , and insured under plan as long as eligib le during 15-year

period. Employee retiring on disability pension not covered by hospital and surgical benefits until age 65.5 Dependents coverage discontinued when retired worker reaches age 65; not available to dependents o f em ployees on disability pension.


123


FINANCING


Benefits for em p loy ee 's dependents


Benefits for dependents o f retired em ployee Amount of contribution for—

Companyonly

Employeeonly

Companyonly

Employeeonly

Companyonly


Jointly only Jointly Jointly Jointly only Employee Company Employee Company


X X _ X _ X Benefits fo r em ployee p rior to age Benefits for em - Benefits for em - Benefits for em -

(‘ )65 and dependents: ployee p rior to age ployee p rior to age ployee prior to age

Monthly contribution 65 and dependents:. 65 and dependents: 65 and dependents:B asic E m - Employee Balance of cost Same as active em Balance of costmonthly ployee and de- ployeeearnings only pendents

Benefits fo r em - Benefits for em -L ess than $ I t 5 - $ 2 .8 4 $ 6 .9 3 ployee after age 65: ployee after age$175 to $215____ 3.11 7 .20$215 to $260____ 3.39 7 .48$260 to $350____ 3.88 7.97$350 to $435____ 4 .29 8 .38$435 to $650____5.13 9 .22and up

Full cost 65:Full cost

1 Benefit* for employees retiring prior to age 65, except if due to disability, are jointly financed until age 65.


124


COMPANY, UNION, AND

DATE OF INFORMATION



eligible—

LIFE INSURANCE

Amount


Before age—

Insurance is

Maintained


Casescovered

Amount




Ford Motor Company


July 1954

1st o f month after 1 month's employment

Basic hourly rate

Less than $ 1. 30__$1 .3 0 to $ 1 .5 0 ____$ 1 .5 0 to $ 1 .7 0 ____$ 1.70 to $ 1 .9 0 ____$ 1.90 to $ 2 . 10____$2. 10 and over____

$2 ,4002,8003,2003,6004 ,0004,400

N onoccu-pationaloccupational

B asic hourly rate

L ess than $ 1. 3 0___$ 1 .3 0 to $ 1 .5 0 _____$ 1 .5 0 to $ 1.70______$ 1 .7 0 to $ 1 .9 0 ___$ 1 .9 0 to $ 2 . 10______$2 . 10 and over___

$1,2001,4001,6001,8002,0002,200

S 600 700 800 900

1,000 1, 100

$ 1,200 1,400 1,600 1, 800 2 , 000 2 ,200

General M otors Corporation


July 1954


Before age 65: Base hourly rate

Less than $ 1 . 1 3 _________________________________ $2 ,500$1 .1 3 to $ 1 .3 8 __________________________________ 3,000$ 1 .3 8 to $ 1 .6 3 __________________________________ 3,500$1 .6 3 to $ 1 .8 8 __________________________________ 4 ,000$1 .8 8 to $ 2 . 13__________________________________ 4,500$ 2 .13 and o v e r __________________________________ 5,000

After age 65:Insurance imm ediately reduced $500; thereafter, 2 p e r cent monthly until (1) for em ployees with 10 or m ore yea rs ' coverage amount equals l*/a percent o f rem ainder after the $500 reduction, multiplied by years o f coverage up to 20, minimum-r-$ 500; o r (2) fo r em ployees with le ss than 10 yea rs ' coverage, rem ainder reduced as above until separation from service o r until amount in fo rce is $500, whichever is earlier.

60 with 15 or m ore yea rs ' plan coverage

Until age 65, then reduced in same manner as for active em ployee

(Optional)

Installments

(*)

Nonoccu-pational;occupational

(2)

Base hourly rate

60 with 10 to 15 yea rs ' plan cov erage

Until age 65, then reduced in same manner as for active employee

L ess than $ 1. 13 _$ 1. 13 to $ 1. 38__$ 1 .3 8 to $ 1 .6 3__$ 1 .6 3 to $ 1 .8 8__$ 1 .8 8 to $ 2 . 13__$2. 13 and over__

<2)

$1,2501.500 1,750 2,000 2,2502.500

(2)

\ 625750 875

1,000 1, 125 1,250

(2)

$1,250 1,500 1,750 2, 000 2 ,250 2, 500

(2)

North A m erican Aviation


September 1954

Accident and sickness benefits: Immediately or 1st o f following month

Other benefits:

$5 ,000 60 Nonoccu-pational;occupational

$5,000 $2 ,5 00 $ 5, 000


After total amount of life insurance has been paid, $500 of group coverage provided during rem ainder o f em ployee's total disability. Available only to em ployees under age 65.


125





Days Dailyamount

boardallowance


covered


PeriodExcept

After age—

Benefits limited

Benefits begin

Accident

Dailybenefit P er

disability


care

N onoccupa-tional

B asic hourlyrate

Weeklybenefit

Lea8 than $ ]L. 30____ $30. 60$1. 30 to $ 1. 50_____ 33. 20$1.,50 to $ 1. 70_____ 35.,80$1. 70 to $ 1. 90_____ 38.,40$1. 90 to $ 2 . 10_____ 41.,00$2., 10 and over_____ 43. 60





Semiprivateroom

120 days Full cost of specified serv ices *


Nonoccupa-tional

Base hourly WeeklySeleH t

L ess than $ 1 .13„$ 1 .1 3 to $ 1. 38__$ 1.38 to $ 1 .6 3 __$ 1.63 to $ 1 .8 8 __$ 1.88 to $ 2 . 13__$ 2 .1 3 and o v e r __

. $ 28 .00

. 31.50

. 35.00

. 38.50

. 42 .00

. 45 .50

26weeks per die ability

60 26 weeks during any 12 consecutive months, if due to sickness



Semiprivateroom

Occupational D ifference between W orkmen* s Com pensation benefit and above amount

26weeks per dis< ability


120 days Full cost of specified services z


N onoccupa-tional

65 percent o f weekly earnings—Minimum— $25 per weekMaximum— $40 per week




$8 70 days — — $560 Up to $ 120, plus 75 percent of next $ 1,200 of charges

— X —

Plus additional allowance fo r employee only

$10 1st 12 days $120 X

_________11_____________________Michigan Hospital Service (Blue C ross plan); em ployees in other areas covered by different program s. A lso provided in connection with surgery perform ed in out-patient department.


126


1 Total family income averaged over 3 years.* Michigan Medical Service (Blue Shield plan); workers in other areas covered by different programs.* Also available for services rendered in out-patient department of hospital; emergency out-patient surgical care also provided in hospital and doctor*s office.Digitized for FRASER


127



Dependents


E lse where

Maximumcompensation

Benefits begin

Sickness

A cc ident

Maxi-mum

numbervisitspaidf o r

M axi-mum

numberdayspaidfor

Otherprovisions

Accidentand

sickness

Hospitalization

Dailybenefit

Maximum ExtraDura room and allowance Luxr.p


Surgical M edical

Scheduleallowance

fornormaldelivery

Amountsand

limitations




Up to $ 3 per visit

Up to $2 per visit

Up to $3 per visit

Up to $3 per visit

$ 150 per year 3d day 1st day 1 per day


Sem i- 120 private days room

Sem i- 120 private days room

$8 M $days

112

Employee and dependent Employee and dependent: Hospitalization and surgical— after 9 months


Up to $50Employee:Accident and sickness— immediately

Employee and dependent 1 Employee and dependent: Hospitalization and' surgical— after 9 months

Full cost o f specified serv ices

Up to $ 50Employee:Accident and sickness——if p regnancy com m ences while insured

Em ployee only Employee:Accident and sickness— after 3 months

Up to $120 Up to $105 Hospitalization and surgical— if pregnancy com m ences while insured

Michigan Hospital Service and M edical Service (Blue C ross and Blue Shield plans); em ployees in other areas covered by different program s,


128



COMPANY, UNION, AND

DATE OF INFORMATIONR etired employee Dependents o f retired em ployee

Types and amountsLife insurance


di smem oer mentHospitalization Surgical M edical Life

insuranceH ospitali


F ord Motor Company Employee and dependents Years of Insur- _ Same as for active Same as _ _ _ Same as Same as _Automobile W orkers (CIO)

service ance employee for a c fo r re for r e

Anesthesia allowance for cases in or out o f hospi- 10 to 20___$ 500tive em ployee

tired em ployee

tired em ployee

July 1954 tal, if adm inistered by nonhospital em ployee— 20 to 30___7501st hour or fraction thereof, $ lO; each additional hour or fraction thereof, $ 5

30 or m ore 1,000

(*>

General Motors Corporation

Employee and dependents Same as for a c tive em ployee.

Same as fo r a c tive em ployee


Same as for a c

— — Same as fo r r e

Same as fo r re

—

Automobile W orkers (CIO) Anesthesia allowance fo r cases in or out o f hospi-Not available to retired em ployees

until age 65; not available

tive em ployee

tired em ployee

tired em ployee

tal, if administered by nonhospital em ployee— after age 65 with thereafterJuly 1954 1st hour or fraction thereof, $ 10; each additional

hour or fraction thereof, $ 5less than 10 years service

<*>

North A m erican Aviation Employee and dependents — — — — — — — — —

Automobile W orkers (CIO)Anesthesia allowance (for surgery perform ed

September 1954 outside of hospital)— up to $ 10

P olio expense allowance (for expense not covered byot&er plan benefits incurred within 2 years after date o f contraction o f d isease)— up to $5 , 000

1 Such benefits as X -ray , anesthesia and e lectrocard iogram allowances may be provided under some plans, although not listed here. R easons fo r not listing such benefits are set forth inEXPLANATORY NOTES.

2 Michigan M edical Service (Blue Shield plan); em ployees in other areas covered by different program s.Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

129


FINANCING




Benefits for dependents o f retired em ployee Amount o f contribution for——




onlyCompany




X X X X Life and accidental death and d is- Life and accidental Hospitalization and Life insurance:memberment insurance, accident death and dism em - surgical: Full costand sickness, and m edical benefits: Basic hourly Monthly rate contribution

Less than $ 1 .3 0 _______ $ 2 .07$ 1. 30 to $ 1. 5 0 _______ 2.41$ 1.50 to $ 1 .7 0 _______ 2 .76$ 1.70 to $ 1 .9 0 _______ 3.10$1 .9 0 to $ 2 . 1 0 _______ 3.44$2 . 10 and o v e r _______ 3.79

Hospitalization and surgical: Balance of cost

berment insurance, accident and sickness, and m edical benefits:Balance o f cost

Hospitalization and surgical:One half o f rate of local Blue C ross and /or Blue Shield plan, but no m ore than one half o f rate o f Michigan Hospital plan (sem iprivate room ) and/ or M ichigan Medical Service plan

Full cost

X X X X Life and accidental death and dis* Life and accidental Life and accidental Life and accidentalmemberment insurance, accident death and dism em - death and dism em ber- death and dism em -and sickness, and m edical benefits, berment insurance, ment insurance, prior berment insurance,prior to age 65: * accident and sick- to age 65: prior to age 65:Base hourly Weekly rate contribution

Less than $ 1 .1 3 ______ $0 .4 0$1 .1 3 to $ 1 .3 8 _______ .50$1 .3 8 to $ 1 .6 3 _______ .60$ 1 .63 to $ 1 .8 8 _______ .70$1 .8 8 to $‘ 2. 1 3 _______ .80$ 2 .1 3 and o v e r _______ .90

Hospitalization and surgical: Balance of cost *

ness, and m edical benefits, p rior to age 65: *Balance o f cost

Hospitalization and surgical:One half rate o f loca l Blue C ross and/ or Blue Shield plan, but no m ore than one half o f rate o f Michigan Hospital plan (semiprivate room ) and /or M ichigan M edical Service plan 1 2

Employee pays 50 cents monthly per $ 1, 000 o f life insurance 3

Hospitalization and surgical:Full cost

Balance o f cost

Life insurance, after age 65: Full cost

X X Accident and sickness and additional hospitalization benefits:California em ployees, 1 percent of 1st $3 ,000 of annual earnings; Columbus, Ohio em ployees, con tribution based on pay classification , ranges from $ 1. 91 to $2 . 78 per month

Other benefits:$2 .0 5 per month

Balance o f cost

1 At age 65 eirployee contribution reduced one half; amount applied to cost o f accident and sickness and m edical benefits. Company pays full cost o f life insurance for em ployee age 65 and over. Accidental death and dism em berm ent coverage ceases at age 65.

2 Company has option o f providing benefits through insurance company:Hospitalization from insurance company— employee pays no m ore than required under Blue C ross plan. Company pays balance of cost.Surgical from insurance company— employee pays according to coverage: Employee only, $0 .2 5 per month; employee and wife, $0 . 80; em ployee and fam ily, $ 1. 10. Company pays balance

o f cost.3 Contributions not required o f em ployees retired due to disability.


130


COMPANY, UNION, AND

DATE OF INFORMATION



eligible- -

LIFE INSURANCE

Amount


B efore age—

Insurance is

Maintained Paid i


C asescovered Graduated


dism em berment

Multi-d ism em berment

Pullman-Standard Car Manufacturing Company

Steelworkers (CIO)

February 1955

1st day o f 2d month following month em ployment com m ences

$3,500 60 Until age 65,thereafter$1,250

Minneapolis- Honey well Regulator Company

Team sters (AFL)

December 1954

Life insurance: A fter 6 months* employment

Other benefits: Immediately or 1st o f following month

Service

6 months to 1 y e a r .1 year to 2 years —2 years to 3 years .3 years to 4 years .4 years to 5 years .5 years to 6 years .6 years and over _

Insurance

$ 500750

1,000 1, 2501, 500 1,7502, 000

60 Installments

(*)

1 Employee may secure additional insurance by paying full cost.


131


ACCIDENT AND SICKNESS

Caseecovered


PeriodExcept

After age—


Benefits begin

Accident

HOSPITALIZATION

Dailybenefit

orservice


Days Dailyamount

room and board

allowance


P eryear

P erdisability


care

Nonoccupa-tional

$40 per week 26weeksperdisability


Up to $ 12

Occupational D ifference between W orkmen* s Compensation benefit and above amount

(*) $840 Full cost ofspecifiedserv ices

Required. service s. provided

N onoccupa-tional

Tw o-thirds o f basic schedule* weekly wage—Maximum— $ 40

d|26weeksperdisability

1st day 8th day Employee and dependents £

Up to $ 12

(»)

70 days $840 Full corft ofspecifiedserv ices


Duration determ ined by actual daily room and board charges (maximum— $12 per day; $840 per disability). Minnesota Hospital Service A ssociation (Blue C ross plan); employees in other areas covered by different program s Em ployee at own cost m ay secure additional $3 per day benefit.


132


COMPANY, UNION, AND

DATE OF INFORMATION

SURGICAL




Employee Dependents

C overscases

MEDICAL



Employee

Allowance

Office Hospital

E lsewhere


Benefits begin M axi-mum

numbervisitspaidfor

U i i i -mum

numberdayspaidfor


Steelworkers (CIO)

February 1955

Maximum schedule allowancej m r p r

Tonsillectom y tip to $ 30


Up"to$“30

Up to iAppends ctbmy

* W ----- f W t o f l O O

M inneapolis-Honeywell Regulator Company

Team sters (AFL)

December 1954

Individual cov erage, $2 ,400 ; fam ily coverage, $3 ,600

(l )

Maximum schedule allowancej m r p r

Tonsillectom y Up to $25 I Up to $25

Hospital, office , home, elsew here

(*)

Appendectomy U p T o X rf0 |U p.to$l0(J

Individual cov erage, $2 ,400 ; family coverage, $3 ,600

(>)

(a) ( l )

1st day, up to $6; 2d day, up to $4; thereafter, up to $3 per day

(*)

$214 per disability

(l )

1st day

(*)

1st day

(*)

70 per disability

(*)

1 Minnesota M edical Service (Blue Shield plan); em ployees in other areas covered by different program s.


133


MEDICAL - Continued

Dependents

Allowance


E lse where

Maximumcompensation

Benefits begin


Maxi-mum

numbervisitspaidfor

Maxi-mum

numberdayspaidfor

Other provisions

Accidentand

sickness



Daily Maximum Extrabenefit Dura room and allowance


Lurr.psum

Scheduleallowance

fornormaldelivery

Amountsand

limitations


1st day, up to $6 ; 2d day, up to $4 ; thereafter, up to $3 per day

$214 per disability

(l )

1stday

<*



Up to $120

Up to $ 50

1stday

70 per d isa -

Employee and dependent 1 Employee and dependent: A fter 9 months

) ( l )bility

(*)Up to 70 $ 12 days

$840

<#)

Full cost of speci-

Up to $60

fiedservices

(l )

_________ _______ ____________________________ 1 1 1 1 ________________ J ______________________________________I________________ __________ _______________

1 Minnesota M edical Service and Minnesota Hospital Service A ssociation (Blue Shield and Blue C ross plans); em ployees in other areas covered by different programs*2 Em ployee at own cost may secure additional $3 per day benefit.


134



COMPANY, UNION, AND

DATE OF INFORMATIONRetired employee Dependents o f retired em ployee

Types and amountsLife insurance


dism em oerm entHospitalization Surgical M edical Life

insuranceH ospitali



Steelworkers (CIO)

February 1955

Retiring at age 65 with 15 years* service:$77255

Retiring between ages 60 and 65, due to disability: Amount in effect imm ediately prior to retirem ent maintained until age 65; then re duced to $ 1, 250

Minneapoli s - Honeywell Regulator Company

Team sters (AFL)

December 1954

1 Such benefits as X -ra y , anesthesia and e lectrocard iogram allowances may be provided under some plans, although not listed here. Reasons for not listing such benefits are set forth in EXPLANATORY NOTES.Digitized for FRASER


135


FINANCING

Benefits lo r employee







onlyCompany


Benefits for employee and dependents Benefits for retired em ployee and dependents


X X X 1 Benefits for em ployee only,$ 5 .5 0 per month; fo r em ployee and dependents, $ 8. 38

Balance o f cost Full cost 1

X

(a)

X Dependents' benefits: Employees* benefits:Full cost Full cost a

* Employee retiring p r ior to age 65 due to d ilability contributes $1. 58 per month until age 65. Employee m ay secure additional life insurance and hospital benefit at his own cost.


136



COMPANY, UNION, AND


eligible—


AmountBefore age—


covered Graduated according to— Death

Singledism em

Multi-d ism em

Maintained Paid in— berment berment

Sperry G yroscope Life insurance: Weekly salary Insurance 60 _ Installments _ _ _ _ _Company (Great Neck, N. Y .)


Day next following 3 months' em ployment

Accident and

L ess than $ 22. 50 _______________________________ $ 1, 000$22 .50 to $ 30 .00 ......................................................... 1,400$30 .00 to $37 .50 _______________________________ 1,800$37 .50 to $45 .00 _______________________________ 2,100

November 1954 sickness benefits: $ 45 .00 to $52 .50 ___ ________ ____________ 2,500Immediately or 1st of following month

Other benefits:

$52 .50 to $ 60 .00 _______________________________ 2,900$60 .00 to $62 .50 ...................................................... 3,200$62 .50 to $ 72 .50 ........... ............................................. 3,500$72 .50 to $ 8 1 .5 0 _______________________________ 4,000$81 .50 to $ 91 .50 ...................................................... 4 ,500

1st day o f month following 3 months' em ployment

$91. 50 and over __ ___ ______ ______________ _ 5,000

( l )

Elgin National Watch Life insurance Service Insurance2 —— ___ — _ _ _ __Company and accident and

Watch W orkers (ind .)

January 1955

sickness benefits: L ess than 6 m on th s_____________________________ $ 450Immediately or 1st o f following month

6 months to 1 year __ __ __ _____________ 7501 year and over __ _ _ 1,500

Other benefits:After 1 month's employment

Additional insurance provided on contributory basis; em ployees earning over $5 , 250 annually and covered by additional contributory insurance are a lso eligib le for supplementary insurance. Available only if em ployed by company prior to age 55.Digitized for FRASER


137


ACCIDENT AND SICKNESS

Case 8 covered

Nonoccupa-tional

Weeklysalary

Amount

L ess than $22. 5 0 ...$22. 50 to $30. 0 0 . ..$30. 00 to $37. 5 0 __$37. 50 to $45. 0 0 __$45. 00 to $52. 5 0__$52. 50 to $60. 0 0 . ..$60. 00 to $67.,5 0 ...$67. 50 to $75. 00 . . .$75. 00 to $82. 5 0 ...$82. 50 to $90. 00 . . .$90. 00 and o v e r ___


Except

Afterage—

Benefits limited

Benefits begin

Accident

DailyExtended coverage

Days Dailyamount

Weekly 13 benefit weeks

60

$ 11.2515.002 0 .0 025.00 30. 0035.0040.00 45. 0050.0055.0060.00

per d isability

13 weeks during any 12 consecutive months, if due to sickness

1st day 8th day

Semi- 21 daysprivateroom

180 50 percent of cost of sem iprivate room

Nonoccupa-tional

5th day to 11th day 1— $ 3 per day; thereafter: 1 2 Weekly Weeklyearnings benefit

$40 to $ 4 5 _________ $25. 50$45 to $ 5 0 _________ 28.50$ 50 to $ 5 5 _________ 31.50$55 to $ 6 0 _________ 34. 50$60 to $ 6 5 __ 37.50$65 to $ 7 0 ___________ 40.50$70 to $ 7 5 _________ 43.50$75 to $ 8 0 _________ 46. 50$80 to $ 8 5 _________ 49. 50$85 to $ 9 0 _________ 52.50$90 to $ 9 5 _________ 55.50$95 to $ 100_________ 58.50$ 100 and o v e r ______ 60. 00

Non- hospitalized cases; 85 days per d isability

H ospitalized cases: 90 days per d isability

(3 )


5th day

HOSPITALIZATION

Maximum room and Extra allowance P er

board or service yearallowance

Perdisability


care


Full cost of specified serv ices for 1st 21 day8; 50 percent o f cost for additional 180 days

X Up to $7 .25


$ 700 Up to $150 X Up to $ 150

1 If hospitalized, 1st day in hospital to 11th day of disability.2 Benefit for em ployee with 6 months or le ss service lim ited to $3 per day regardless o f number o f days absent.3 Hardship cases may be eligib le for a $3 per calendar day benefit for an additional 60 days of any disability. Employee with 6 months or le ss service cannot receive m ore than 1 day*s benefit for

each day of employee*s serv ice .Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

138


SURGICAL MEDICAL

COMPANY. UNION. AND



payment if annualincom e is under—


Employee Dependents

Employee

C overscasesin—



Allowance

Office Hospital

E lse where


Benefits begin

Sickness Accident

M axi-mum

numbervisitspaidfor

M axi-mum

numberdayspaidfor

Sperry Gyroscope Company (Great Neck, N. Y .)

$5 ,000


November 1954

Maximum schedule allowancer m — T W

IT on si lie ctomy~Up to $60 Under age i t ,

$ 36; over age 12, $60


$5 , 000 1st and 2d days, $5 per visit;3dthrough21st

$ 342. 50 per d isa bility

1st day 1st day2d day, 2 per day 1

W t o " lAppendectomyi s o — TOTtoITFO"

day, $5 perday; 4ththrough16thweek,$17 .50perweek

(*>

Elgin National Watch Company

Maximum schedule allowanceT253 | ? W


Watch W orkers

January 1955

-------------VonsflUsetomyUp to $ 50 Under age 12,

up to $ 30; over age 12, up to $50

Appends»ctomyUp to $ 125 Up to $ 125



<*)

1 M edical allowance provided after first 2 days, whether or not doctor makes daily vis its .* If surgical operation perform ed, allowance is greater o f (a) $4 fo r each day o f hospital confinement up to day o f operation; or (b) $4 for each day o f confinement minus surgical operation

d llO W & A C 6 •Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

139


1 Medical allowance provided after first 2 days, whether or not doctor makes daily visits.a Based on requirement that newly insured employee must have been actively at work for 10 months to be covered for maternity benefits.s If surgical operation performed, allowance is greater of (a) $4 for each day of hospital confinement up to day of operation; or (b) $4 for each day of confinement minus surgical operation

allowance.Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

140


COMPANY, UNION, AND

DATE OF INFORMATION


Types and amounts



dismemoermentHospitalisation Surgical M edical Life

insuranceHospitali


Sperry Gyroscope Company (Great Neck, N. Y .)


November 1954


General anesthesia allowance (for surgery per*form ed in o r out o f hospital, if administered by doctor, other than operating doctor or his assist* ant or hospital em ployee)— 20 percent of operation allowance; m aximum-—$ 60

Elgin National Watch Company

Watch W orkers (Ind.)

January 1955

$750 Same as for active employee but m aximum hospitaliza* tion, surgical and m edical benefits during retirem ent limited to $ 500

Same as for a ctive em ployee but m aximum hospitalization, surgical, and m edica l benefits during retirement limited to $500

Same as fo r a c tive em ployee but maximum hospitalization, surgical, and m edica l benefits during re tire ment lim ited to $500

Same as fo r r e tired em ployee



1 Such benefits as X -ray , anesthesia and electrocard iogram allowances may be provided under some plans, although not listed here. Reasons for not listing such benefits are set forth in EXPLANATORY NOTES.Digitized for FRASER


141


FINANCING


Benefits for em ployee ’ s dependents


Benefits for dependents o f retired em ployee Amount o f contribution for—




onlyCompany




X

n

X Full cost 1

X X X X Life insurance and accident and Balance o f cost Life insurance: Life insurance:sickness benefits:0. 5 percent of weekly gross earnings up to $ 100 per week

Other benefits:Benefits for em ployee only, $ 0 .4 0 per week; for em ployee and dependents, $ 1

(2 )

Other benefits: Same as active em ployee

(2)

Other benefits: Balance o f cost

* Employee covered by additional and supplementary life insurance contributes towards its cost.Financed by active em ployee and company contributions for life insurance and accident and sickness benefits; see contribution columns for benefits for active em ployee and dependents.


142


COMPANY, UNION. AND

DATE OF INFORMATION



eligible—Amount


C asescovered

Amount

Before age—




Johnson and Johnson (New Brunswick, N. J .)


February 1955

Im mediately or 1st o f following month


$2,000 $1,000 $2,000

Jewelry industry, A ssociated Jew elers, Inc. , Jewelry Crafts Association,and other em ployers (New York, N. Y .)

Jewelry W orkers, Local 1 (AFL)

August 1954

Im mediately or 1st o f following month

$1,000 60 Installments N onoccu-pational

$1,000 $500 $2,000

Doll and toy industry, National A ssociation of Doll Manufacturer8,and other em ployers (New York, N. Y .)

Doll and T oy W orkers (AFL)

February 1955

Accident and sickness benefits: Immediately or 1st o f following month

Other benefits:6 m onths' union m em bership and covered em ployment

$1,000

Various em ployers (Newark, N. J . and New York, N. Y . area)

E lectrical W orkers, D istrict 4 (Ind.)

November 1954

A fter 60 days' employment

Average weekly earnings Insurance 60 X N onoccu-pational;occupational

Average weekly

$1,0001.500 2,0002.500

$ 500 750

1,000 1,250

$1,000 1 ,50n 2,000 2,500

L ess than $25 ____ _________ ____ None$25.00 to $30.00 _ $1,000 $30.00 to $ 4 8 .4 0 - - - - 1,500$48.40 to $ 6 0 .4 0 ____ ___ _ 2,000$60.40 and over . _ — _ _ 2,500

earnings

L ess than $ 2 5 .0 0 ___$25.00 to $ 3 0 .0 0 ___$30.00 to $ 4 8 .4 0 ___$48.40 to $ 6 0 .4 0 ___$ 60.40 and o v e r ------


143


ACCIDENT AND SICKNESS HOSPIT AL12 AT ION


room and Extra allowance P er

Days Dailyamount

boardallowance


covered

Duratidn o f benefits

PeriodExcept

After age—

Benefits limited

Benefits beginDaily

benefit

Sickness

P erdisability


care

Nonoccupa-tional

Tw o-thirds of average weekly earnings— Minimum— $10 per week Maximum— $30 per week




Sem i-privateroom

120 d ays1 2451 Up to $5 Full cost o fspecifiedservices

X Required services provided2

Employee

$8 70 days — — $560 Up to $80 — X Up to $80

Dependents

$5 31 days

~

$155 Up to $50

"

X Up to $50

N onoccupa-tional

Base weekly W eeklypay benefit

L ess than $35 $19$3* «« $40 22$40 to $45 25$45 to $50 28$50 to $55 _ 31$55 to $60_____ _____ 34$60 to $65_____ _____ 37$ 65 and o v e r _______ 40


1st day 8th day

N onoccupa-tional

$30 per w eek3 13weeksperyear


Sem iprivateroom

21 days 180 50 percent o f cos t o f sem iprivate room

Full cost bf specified serv ices for 1st 21 days; 50 percent o f cost for additional 180 days

X Up to $7 .25

Ernployee and dependents 4

Sem i-privateroom

21 days 180 50 percent o f co s t o f sem f^ private room

Full cost o f specified serv ices for 1st 21 days; 50 percent o f cos t for additional 180 days

X Up to $7 .25

N onoccupa-tional

Average weekly Weekly 26weeksearning s benefitper d is

Less than $ 1 5 .0 0 __ $10.00 ability$15.00 to $20.00 _ 12.00$20.00 to $25.00 _ _ 15.00$25.00 to $30.00 _ 18.00$30.00 to $34 .40 ___ 21.00$34.40 to $ 4 0 .4 0 __ 24.00$40 .40 to $ 4 8 .4 0 __ 26.00$48.40 to $ 5 4 .4 0 __ 28.00$54.40 to $60 .40 _ 31.00$60.40 to $ 6 8 .4 0 _ 35.00$68.40 and o v e r _ _ 40.00

1st day 8th day

Employees and dependents over age 70 allowed a maximum of 20 days per year A lso provided fo r a maximum o f 3 da ' * **"Available to em ployees with at least <

days for any one accident or condition requiring operative surgery o f a cutting nature, i f reg istered as an out-patient in hospital, it 6 months' union membership and working at least 32 hours per week. Em ployees with less than 6 m onths' m em bership and wo

week receive benefits required by the New York State temporary disability law (see Appendix A ). 4 Not available i f em ployee earns less than $25 per week.

> m onths' m em bership and working less than 32 hours perDigitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

144


COMPANY, UNION, AND




SURGICAL


Employee Dependents

C overscases

MEDICAL



Employee

Allowance

Office Hospital

E lsewhere


Benefits begin Maxi--mum

numbervisitspaidfor

Maxi-mum

numberdayspaidfor



February 1955

Subscriber * s annual incom e:$ 5 ,dob


H ospital1 Subscriber* s

Tonsillectom y

annual incom e:j r r m ------------

Up to $50 Up to $ 50

_______ Appendectomy_____Up to $ 125 I Up to $125

1st day, up to $10; thereafter, up to $ 5 per day

$110 per year 1st day 1st day 21 per year

Jewelry industry, A ssociated Jew elers, I n c .; Jewelry Crafts Association,and other em ployers (New York, N. Y .)

Jewelry W orkers, Local 1 (AFL)

August 1954


Hospital,o ffice

w

Up to $3 per vis it

Up to $2 per visit

Up to $3 per visit

'tonsillectom y Up to $33.33

Under age 60:$75 per disability

Over age 60:$75 per year

1st day 3d day

Appendectomy Up to $133.33

Doll and toy industry, National Association of Doll Manufacturers,and other em ployers (New York, N. Y .)

Doll and T oy W orkers (AFL)

February 1955

Various em ployers (Newark, N. J . and New York, N. Y . area)

E lectr ical W orkers, D istrict 4 (ind.)

November 1954

Maximum schedule allowancef 2 2 f $225

Hospital, o ffice , hom e, elsew here

T onsillectom yt lp 't o W /M '

Up to $150

(*)

Appendectomy

Up to $37. 50

Up to $3 per v isit

(a)

Up to $2 per visit

(2)

Up to $3 per visit

(J)

$150 per disability

( a)

8th day re tro active to 1st day

( 2 )

1st day

( 2 )

Up to $150

( a)

Em ergency surgical allowance o f up to $25 fo r treatment in home, o ffice or elsew here a lso provided. Not available i f em ployee earns less than $25 per week.


145



Dependents

Allowance


E lse where


Benefits begin

Sickness

A cc ident

Maxi-mum

numbervisitspaidfor

Maximum

numberdayspaidfor

Otherprovisions

Accidentand



Ho spitalization

Lumpsum

Surgical

Scheduleallowance

fornormaldelivery

Medical

Amount s and

limitations



$110 per year 1stday

1stday

21 per year

2 in - hospital consultation a llowances per year: 1st consultation, up to $ 15; 2d con sultation, up to $ 10



Semiprivateroom

7 days — Full cost ___ Up too f spec ified

$125

serv ices

Employee and dependent: Hospitalization and surgical— after 240 days

Em ployee:Accident and sickness— if p reg nancy com m ences while insured


Employee

$8 14days

$112 Up to $80 — Up to $50 ~

Dependent

$5 10days

$50 Up to $50 —

Employee:Immediately

Dependent: A fter 9 months


__ __ Up to$80


Up to $3 per vis it

(*)

Up to $2 per visit

(M

Up to $3 per v isit

(l )

$150 per year

(M

2dvisit

(M

1stvisit

(1)

1 per day,50 per year

( l )

Employeeonly:[f disabled |f< for at least 7 days entitled to 3 visits within 31 days after returning to work

Regular benefits •or 6 weeks

Employee and dependent1

___ —— —— Up to Up to $75$80

Em ployee and dependent: Hospitalization—-immediately Other benefits— if pregnancy com m ences while insured2

Not available if em ployee earns le ss than $25 per week.W aiver o f this restriction perm itted fo r certain employees and dependents.


146


COMPANY, UNION, AND

DATE OF INFORMATION


Types and amounts

Retired employee Dependents of rtetired employee


dismembermentHospitalisation Surgical Medical Life

insuranceHospitali

sation Surgical Medical



February 1955

$2,000

Jewelry industry, Associated Jewelers, Inc.; Jewelry Crafts Association,and other employers (New York, N. Y .)

Jewelry Workers, Local 1 (AFL)

August 1954

Doll and toy industry, National Association of Doll Manufacturers,and other employers (New York, N. Y .)

Doll and Toy Workers (AFL)

February 1955

Employee only

Tuberculosis cash settlement allowance for pulmonary laryngal or renal tuberculosis contracted for the first time*—$400

Various employers (Newark, N. J. and New York, N. Y . area)

Electrical Workers, District 4 (Ind.)

November 1954

1 Such benefits as X -ray, anesthesia and electrocardiogram allowances may be provided under some plans, although not listed here. Reasons for not listing such benefits are set forth in EXPLANATORY NOTES.


147


FINANCING





Companyonly

Employeeonly


onlyCompany

only

Benefits for em ployee and dependents Benefits for retired employee and dependents

only Jointly Jointly Jointly only Employee Company Employee Company


X X Full cost but not m ore than 3 .25 p er cent o f monthly payroll

X X Dependents' benefits: Full cost

E m ployee' s benefits: Full cost— $2. 50 per week fo r each em ployee working at least 32 hours per week; $0 ,065 per hour fo r each em ployee working less than 32 hours per week

X X Full cost


148


COMPANY, UNION, AND

DATE OF INFORMATION



eligible- -Amount


Casescovered

Amount

Beforeage—




Various em ployers (St. Louis, M o. area)

M achinists, D istrict 9 (AFL)

September 1954


$2,000 65 F or 1 year (or for period insured if less thar 1 year)


$2,000 $1,000 $2,000

Alaska Salmon Industry, Inc.

Alaska F ish erm en 's Union (ind.);

Cordova D istrict F isheries Union (ind.)

Decem ber 1954

Immediately or 1 st o f following month


$1,000 $500 $1,000

Kennecott Copper C orpo- ration, Western Mining Divisions

Various unions

Decem ber 1954

Life and accidental Annual straight-tim e 60 X N onoccu-pational

Annual straight-tim e

$1,000 1, 500 2,0003.0004.0005.000

$ 500 750

1,000 1,500 2,000 2, 500

$1,0001,5002,0003.0004.0005.000

death and dismem- basic wage Insurance basic wageberm ent insurance and accident and sickness benefits: A fter 3 months' employment

Other benefits: A fter 30 days' employment

Less than $1,200 __ ...................... _ $1,000$1,200 to $1,800 _ ................. 1,500$1,800 to $2,400 ........ .................... 2,000$2,400 to $3,200 - _ .................... 3,000$3,200 to $ 4 ,0 0 0 ______ ____ _________________ 4,000$4,000 to $5,000 _ __ __ ____ _ _____________ 5,000

L ess than $1,200___$1,200 to $1 ,800____$1,800 to $2 ,400____$2,400 to $3 ,200____$3,200 to $4 ,000____$4,000 to $5 ,000____


149



Casescovered


PeriodExcept

After age—

Benefits limited

Benefits begin

Accident

Dailybenefit

orservice


disability

DurationDays Daily

amount

room and board

allowance


P eryear


care

Nonoccupa-tional

$35 per week 13weeks per d isability


$9 35 days

"

$315 Up to $450, plus up to $10 ambulance allowance per trip and $20 per disability

X Up to $450

Dependents

Up to $7 35 days $245 Up to $350, plus up to $10 ambulance allowance per trip and $20 per disability

X Up to $350

Employee

(l ) ( l ) H (l ) ( l ) (l )Up to $10 70 days 1 2 — — $700

!Up to $300 2 — X Up to $300

Dependents

Up to $8 70 days 211| $560 Up to $240* X Up to $240

Employee

Up to $11 365 days — — !|$4,015 Up to $220 3 — X Up to $220 4

Dependents

N onoccupa-tional

Annual straight-time basic wage

W eeklybenefit

L ess than $1. 200___ $10$1,200 to $1. 800___ 15$1,800 to $2 , 400___ 20$2,400 to $2, 880___ 25$2,880 to $3, 200___ 30$3,200 to $4, 000___ 35$4,000 to $5, 000___ 40

13weeks per dis ability

1st day 8th day

Up to $11 120 days

I

$1,320 Up to $220, plus 75 percent of additional charges 3

Up to $220, plus 75 percent of additional charges 4

1 No accident and sickness insurance benefit provided by plan; employees covered by paid sick leave plan.2 If daily room and board charge is le ss than maximum allowed, difference may be used to extend duration beyond 70 days or to cover cost o f extra services beyond maximum specified .3 A lso payable in connection with surgery perform ed in doctor ' s office and in hospital when individual is not a bed patient. Use o f com pany-owned ambulance, if available, provided to employee

only at no cost.4 Also provided fo r m iscellaneous serv ices rendered in connection with em ergency accident care in d o c to r 's o ffice .Digitized for FRASER


150


COMPANY, UNION, AND




SURGICAL


Employee Dependents

C overscases

MEDICAL



Employee

Allowance

Office Hospital

E lsewhere


Benefits begin

Sickness Accident

M axi-" Maximum mum


1 per —Various em ployers (St. Louis, M o. area)

M achinists, D istrict 9 (A F L )

September 1954

Maximum schedule allowancel i lo o I $200


Up to $4 per visit

$200 per year 1stvisit

1stvisit day

Tonsillectom yUp to $ 45 I Up to $30


Up to $ 100


Alaska Fishermen* s Union (ind .);

Cordova D istrict F ish eries Union (ind.)

Decem ber 1954

Maximum schedule allowance ?3 0 0 -------------- f$2<55


Nonhospital care

Tonsillectom yTJFto"BZTSr,. r r r"

ectomy_____Under age 15, up to $25; over age 15, up to $35

Appendec tomy TTp’t o T l W ----- Up*to $TD0 ■

Up to $ 5 Up to $4 _ Up to $5 $250 per disability 1st 1st 1 per _per v isit per visit per visit vis it v isit day

During and after hospitalization

Up to $3 per vis it

(l )

Up to $2 per visit

(l )

Up to $3 per visit

$200 per disability 1stvisit

1stvis it

Homeand o ffice : 3 per d isa - b ility 1

Kennecott Copper C orpo- ration, W estern Mining Divisions

Various unions

December 1954

Maximum schedule allowancej m ------------------------------------------$300

T onsillectom y


.ompany

Up to $45 |Up to $45

_______ AppendectomyUp to $150 |Up to $150

$3 for doctor * si each

day ofFull cost( confine^

mentNon.company

Hospital:l l f o per disability

Company d octor1 s o ffice :Full cost

1stday

1stday

Non companydoctor* 8o ffice : 1 per day

Hospital: 120 per disability

Company

doctor* s office:

Noncompany doctor* s

doctor*o ffice :

$3 per visit

o ffice : Unlimited per disability

Unlimited per d isa bility

Payable only in connection with disability causing hospitalization and within the 31-day period following at least 7 days o f hospital confinement.


151


MEDICAL - Continued

Accidentand

sickness


Dailybenefit

orservice

Duration

Maximum room and

board allowance

Extraallowance

orservices

Lumpsum

Scheduleallowance

fornormaldelivery

Amountsand

limitations


Employee

$9 35days

$315 Up to$450, plug up to $ 10 ambulance allowance per trip and $20 per d isa bility

Up to $75


Dependents

Allowance

Office H ospital

E lse where

Maximumcompensation

Benefits begin

Sickness

A cc ident

Maximum

numbervisitspaidfor

Maximum

numberdayspaidfor

Otherprovisions


Up to $4 per visit

$200 per year 1stvisit

1stvisit

1 per day

Employ< A fter 9

ee and dependent:A fter 9 months

Dependent

Up to $7

35 $245 Up to _ Up to $50days $350, plus

up to $ 16ambulance allowance per trip and $20 per d isa bility

Up to $3 per visit

U pto $3 per v isit

$200 per disability 2dvisit

1stvisit

1 per day

Employee only

Up to $10

— (l ) Up to d ifference

— Up to $75

between total room and board charges and $100

Em ployee:If pregnancy com m ences while insured



1stday

Employeeperd isa bility

only: l^rugs and m ed icin es, prescribed by com pany d octor fu rnished without cost, if treated in office



Up to $100

Up t > $50

Em ployee and dependent: Hospitalization and surgical— after 9 months

Em ployee:Accident and sickness— if p regnancy com m ences while insured

Total room and board charges and charges for extra services limited to $100.


152


COMPANY, UNION. AND

DATE OF INFORMATION


Types and amounts



di smem oerm entHospitalization Surgical M edical Life

insuranceH ospitali


Various em ployers (St. Louis, M o. area)

M achinists, D istr ict 9 (AFL)

September 1954

Employee only

Diagnostic X -ra y and laboratory examination allowance for nonhospitalized cases— up to $50 for any one injury or for all sicknesses during any 12 consecutive months

( a> (•) (*) (*) (a) (a) (a) (a)


Alaska F ish erm en 's Union (Ind.);

Cordova D istrict F ish - eries Union (in d .)

Decem ber 1954

Laboratory and X -ra y examination allowance (if not otherwise covered by plan)Employee— up to $ 50 per disability Dependents— up to $25 per disabilityAdditional accident expense allowance (for expenses in excees o f those covered by other plan benefits) Emplovee-^—up to $300 Dependents— up to $150P olio allowance (for expenses in excess o f those covered by other plan benefits incurred within 3 yea*s after date o f contraction)Employee—hip to $5, 000 Dependents— up to $ 1,500

Kennecott Copper Corporation, W estern Mining Divisions

Various unions

Decem ber 1954

Em ployee only

Laboratory and X -ra y examination allowance for nonhospitalized cases—-up to $75 per year

Supplemental accident expense allowance (for expenses in excess o f those covered by other plan benefits incurred within 90 days after accident)— up to $300

M ajor m edical expense allowance— 90 percent o f m edical expenses up to maximum o f $5,000 after deducting the total amount received under the other plan benefits o r $300, whichever greater

$1,000 o r 30 percent o f amount in e ffect im m ediately p rior to retirem ent, whichever greater

(1 * 3) (3) (3) (3) (3) (3)

1 Such benefits as X -ra y , anesthesia and e lectrocard iogram allowances m ay be provided under som e plans, although not listed here . Reasons fo r not listing such benefits are set forth in EXPLANATORY NOTES.

An em ployee retired or terminated m ay ca rry his insurance, without accident and sickness benefits, fo r one year, i f he remains unemployed.3 Em ployees retiring on disability pension and their dependents continue to be covered by hospitalization, surgical and m edical benefits fo r 24 months or until age 65, whichever occu rs firs t ,

provided they continue to contribute towards cost o f these benefits.Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

153


FINANCING








onlyCompany




X X ( 1) (l ) Full cost— $9.10 per month

(M

X X Dependents* benefits: Full cost

E m ployee 's benefits: Full cost— $64.46 per season

X X X

(*)

L ife , accidental death and dism em - berment insurance and accident and sickness benefits:Annual straight- Monthly time basic wage contribution

L ess than $1,200 $1.00 $1,200 to $1,800 1.49$1,800 to $2,400----------- 1.99$2,400 to $2,880 2.81$2,880 to $3 ,200_______ 2 .99$3,200 to $4,000 3.81 $4,000 to $5,000 4.63

Other benefits:Benefits fo r em ployee only, $1.00 per month; fo r em ployee with dependents, $ 3 .5 0 3

Balance o f cost Full cost*

1 An em ployee retired o r term inated may carry hie insurance, without accident or sickness benefits, for 1 year, if he remains unemployed, provided he pays full cost o f these benefits, $7. 59 per month. rApplicable only to life insurance. Employees retiring on disability pension and their dependents continued to be covered by hospitalization, surgical and m edical benefits for 24 months or until

age 65, whichever o ccu rs fir s t , provided they continue to contribute towards the cost o f these benefits.If husband and wife are em ployees o f company, the husband contributes $2 . 50 monthly and the wife $ 1 .0 0 .


154


COMPANY, UNION, AND

DATE OF INFORMATION



eligible- -Amount


C asescovered

Amount

Before age—




Bituminous coal industry, various em ployers

United Mine W orkers (Ind.)

January 1955


$1,000* At any age

X

Stanolind Oil and Gas Company

Stanolind Employees Bargaining Agency (Ind.)

October 1954

A fter 6 months' employment

$ 1 ,0 0 0 1 2 * 60 25 percent Installments— 75 percent

Construction industry, A ssociated General Contractors o f A m erica, and other em ployers (Northern California)

Carpenters (AFL)

June 1954

1st o f March or September im m ediately following Fund 's sem iannual work period in which em ployee had at least 600 hours' covered em ploym ent9


$1,000 $500 $1,000

Construction industry, various em ployers (Western Pennsylvania)

Various AFL unions

August 1954

Upon com pletiono f 4 months' con tributions by em ployer, co v e r ing minimum o f 200 hours' work

* 1,500 60 X N onoccu-pational

$1,500 $750 $1,500

1 Funeral expense o f $350 imm ediately on death, additional $650 in eleven equal monthly payments o f $50 and a twelfth final payment o f $100; i f no surviving dependents, benefit lim ited to funeral expense o f $350.

2 Additional insurance provided on a contributory b a s is .9 The Fund* s semiannual work periods are from August through July and from September through June.Digitized for FRASER


155



Casescovered Amount


benefitor

serviceDuration


room and board

allowance


Peryear

Perdisability


carePeriodExcept



to—

— Employee and dependents 1

1Coi

1nplete paym

1 1 ent fo:

1 1 r hospital a

1 1 ire for what

1ever period care i

1 1 is reqi

1aired Required services

provided

(•) (a) (*) (2) (*) <*> (2)


$8 31 days $248 Up to $ 120 X

(3) (3) (3) (3) (3) (3) <3)


Wardaccom m odations

21 days 180 50 percent o f cost of ward a c com m odations

Full cost o f specified services for 1st 21 days; 50 p ercent o f cost for additional 180 days


N onoccupa-tional

$30 per week 13weeks per d isability


Up to $10 70 days $700 Up to $ 120, plus up to $20 ambulance allowance

X Up to $ 120 4

* Widow and dependent children eligib le for benefits during 12-month period following death o f m iner.No accident and sickness insurance benefits provided by plan; employees covered by paid sick leave plan.

3 No accident and sickness insurance benefits provided by plan; employees covered by the California State tem porary disability law. See Appendix A .4 A lso provided fo r X -ra y charges incurred in doctor1 s o ffice because o f accident.Digitized for FRASER


156


COMPANY, UNION, AND


allowance accepted as lull


SURGICAL

Operation s c h e d u le - selected allowances

Employee Dependents

C overscases

MEDICAL



Employee

Allowance


E lse where


Benefits begin

Sickness Accident

Maxi Maximum mum


Bituminous coal industry, various em ployers

United Mine W orkers (ind.]

January 1955

Complete payment provided Hospital, out-patient clin ics , and specialist* s office

Complete payment for m edical care in the hospital and in out-patient c lin ics ; a lso provides fo r diagnosis and treatment by specialist in and out of hospital


Stanolind Employees Bargaining Agency (ind.)

October 1954

Maximum schedule allowancej z z s

Up to $37.50Tonsillectom y

$225Hospital, o ffice , hom e, elsew here

Up to $37. 50



Appendectomy Up to $150 I Up to $150

Construction industry, A ssociated General Contractors o f A m erica, and other em ployers (Northern California)

Carpenters (AFL)

June 1954

Maximum schedule allowancej m ------------- f ------------------

Up to $ 50Tonsillectom y

H ospital, o ffice , hom e, elsewhere

Up to $50

Up toAppendec tomy

? I5 0 I Up to $150


Various AFL unions

August 1954


j m --------------

H ospital, o ff ice , hom e, elsewhere


Appendectomy Up to $100

2 Widow and dependent children eligible fo r benefits during 12 months following death o f m iner.If surgical operation perform ed,m axim um allowance is greater o f (a) $3 fo r each day o f hospital confinement up to day o f operation; or (b) $3 for each day o f confinement minus surgical

operation allowance.Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

157


MEDICAL - Continued

Dependents

AllowanceMaximum

compensationHome Office H ospital

E lse where


numbervisitspaidfor

Maximum

numberdayspaidfor

Otherprovisions

Sickness

A cc ident

Accidentand

sickness

Complete payment fo r m edical care in the hospital and in out-patient clin ics; also provides fo r diagnosis and treatment by specialist in and out o f hospital1

Employee and d ependents: Provides specified expensive drugs and medicines requiring long and continued use out o f hosp ital1

$3 for each day of con fin e m ent*


1stday

31 per d isa bility (3)



Dailybenefit

orservice

Duration

Maximum room and

board allowance

Extraallowance

orservices

Lumpsum

Scheduleallowance

fornormaldelivery

Amountsand

limitations


-----------I----------- 1------------------- 1----------------- 1---------- 1---------------- 1----------Complete payment for hospital and in-hospital surgical and m edical care ; also includes care in out-patient clin ics and services of specialist, when required

Employee

$8 10days

$80 Up to $80 — Up to $ 50 —

Dependent

_ __ _ Up to Up to $ 50$50





Up to$75



Employee

— — — $100

(4)

Up to $50 —

Dependent

$ 100 m aternity allowance


1 Widow and dependent children eligible for benefits during 12 months following death of m iner.2 If surgical operation perform ed , maximum allowance is greater of (a) $3 for each day of hospital confinement up to day o f operation; or (b) $3 for each day of confinement minus surgical

operation allowance.* No accident and sickness insurance benefit provided by plan; employees covered by paid sick leave plan. 4 A lso provided fo r births occurring outside o f hospital.


158


COMPANY, UNION, AND

DATE OF INFORMATION

OTHER BENEFITS1

Types and amounts


R etired employee


dismembermentHospitalization Surgical M edical

Dependents o f retired em ployee

Lifeinsurance

H ospitalization Surgical M edical

Bituminous coal industry various em ployers

United Mine W orkers (Ind.)

January 1955

Rehabilitation benefit— special rehabilitation devicesand care for severely handicapped and crippled m iners and dependents at special m edical centers; when required, m edical care follow -up of d ischarged patients is provided

Disaster benefit— small amounts provided widows








and orphans, wives and children o f m iners killed or seriously injured in mines to relieve immediate acute financial d istress


Stanolind Employees Bargaining Agency (Ind.)

October 1954

Employee and dependents $ l ,0 0 0 a

General anesthesia for nonhospitalized cases— up to $10

Construction industry, A ssociated General Contractors o f Am erica, and other em ployers (Northern California)

Carpenters (AFL)

June 1954


Diagnostic X -ra y and laboratory examination allowance (for cases in o r out o f hospital)— up to $50 for each accident or all sickness during any 12 consecutive months.


Various A F L unions

August 1954

Identification allowance (for expenses involved inplacing disabled em ployee under care of relatives o r friends)— up to $100

1 Such benefits as X -ra y , anesthesia and e lectrocard iogram allowances may be provided under som e plans, although not listed here. Reasons fo r not listing such benefits are set forth in EXPLANATORY NOTES.

If em ployee is also covered by the additional contributory insurance, total amount reduced 50 percent immediately and 5 percent annually thereafter to minimum of 25 percent o f amount in effect prior to retirem ent or $2,000 whichever greater. If retiring prior to age 65, due to disability, full amount maintained until age 65, then reduced accordingly.Digitized for FRASER


159


FINANCING








onlyCompany

only


Jointly only Employee Company Employee Company

X X X X Full c o s t1 Full c o s t1

_ X _ X _ X _ _ _ _ _ H ospitalization, surgical and Life insurance: _ Full costm edical benefits: Full co s t2Benefits for em ployee only, $1 .07 per month; for em ployee and Other benefits:dependents, $4.00 Balance o f cost

X X Full cost— $0,075 for each hour worked3

X X Full cost— $0,075 per hour worked

1 ®1“ P1° y c r * contribute $0 .40 per ton o f coal produced for use or sale to the United Mine Workers* W elfare and Retirement Fund fo r health, welfare and pension benefits. In addition, the fund has authorized loans to M em orial Hospital A ssociations in Kentucky, West Virginia, and Virginia fo r the construction and operation o f hospitals throughout the coal mining areas of these States.

Em ployee covered by additional life insurance contributes towards co s t . 63 On March 1, 1955, contribution to be increased to $0,10 for each hour worked.Digitized for FRASER


11>0


C O M P A N Y , U N IO N , A N D

DATE OF INFORMATION

E L I G I B I L I T YR E Q U I R E M E N T S LIFE INSURANCE ACCIDENTAL DEATH AND DISMEMBERMENT


eligible—Amount


Casescovered

Amount

B efore age—



Multi - dism em bermentMaintained Paid in—

Association of Master Painters and D ecorators of the City of New York

Painters, D istrict Council 9 ( A F L )

J a n u a ry 1 9 5 5

Regular benefits:1 1st of month in which following requirem ents are met: 6 months' union m em bership; earned at least $1,200 from contributing em ployers during preceding 12 months; and at least 1 day* s covered em ployment during p re ceding 5 months

(2)

Honorary L ife , Honorary, B eneficial, Partial B eneficial, and Nonbeneficial members less than age 60 when becom ing a union m em ber

$1,000 1 60 X N onoccu-pational;occupational

$1,000 $500 $1,000

Apprentices

$500 1 60 X — N onoccu-pational;occupational

— $500 $250 $500

Nonbeneficial m em bers age 60 or over when becoming union m em ber

-60 o o N onoccu-pational;occupational

$100 $50 $100

Public Service C oord i- nated Transport (Newark, N. J .)

Street, E lectric Railway and Motor Coach Employees (AFL)

February 1955

Life insurance: After 1 yea r1 s employment

Other benefits: Immediately or 1st o f following month

$2,000 60 — Installments or lump sum (optional)

Service Insurance3

L ess than 5 ye a rs______________________________ $3005 to 10 y e a r s ________________;___________________ 40010 years and over __ _ ___ __ 500

P rior to qualifying for regular benefits, em ployee becom es eligible for $100 life insurance on firs t o f month following month in which he had one d a y 's covered em ploym ent. Honorary Life m em bers not meeting these requirem ents becom e insured on fir s t day of month coinciding with or next following day of becom ing such m em bers.Provided in addition to the $2,000 .Digitized for FRASER


161



Casescovered


Extendedcoverage Maximum Emergency

out-patientAmount Except benefitor Duration

Dailyamount

room and board


Peryear

PerdisabilityPeriod After

age—Benefits limited Accident Sickness service Days allowance care

Nonoccupa-tional

$10 per week

(*)

13weeks

60

o

13 weeks during any 12 consecu-

1st day 8th day Employee andL dependents

(l )per d is ability

(l )

tive months

(l )

n (1 2)Sem i-privateroom

21 days 180 50 percent of cost of sem i- private room

Full cost o f specified serv ices for 1st 21 days; 50 p ercent o f cost for additional 180 days

X Up to $7.25

N onoccupa-tional


— — 8th day 8th day E]mployfee and. dependents

peryear Sem i

privateroom

120 days 3 245 3 Up to $5 Full cost o fspecifiedservices

X Required services provided4

1 Not available to apprentices.* Benefit period m ay be extended by W elfare Committee.3 Em ployees and dependents over age 70 allowed a o f 20 days per year.4 A lso provided fo r a m aximum o f 3 days for any one accident o r condition requiring operative surgery o f a cutting nature, if reg istered as an out-patient in hospital.Digitized for FRASER


162


SURGICAL MEDICAL

COMPANY, UNION, AND



payment if annualincom e ie under—

Operation schedule-— selected allowances

Employee Dependents

Employee

C overscasesin—



Allowance

Office Hospital

E lse where


Benefits begin

Sickness Accident

Maxi^~ M aximum mum


Association o f M aster Painters and D ecorators o f the City of New York

Painters, D istrict Council 9 (AFL)

Provided by the Health Insurance Plan of Greater New Y ork1

Provided by the Health Insurance Plan o f G reater New Y ork 1

January 1955

Public Service C oordinated Transport (Newark, N. J .)

Subscriber* s annual incom e: $5,000


Maximum schedule allowance Hospitalj m -----------------p t m ---------------


Up totnde<

Up to $50

e to m y _____Up t o $ 125

Subscriber* s annual incom e: $5,000


$110 per year 1st day 1st day 21 per year

February 1955

1 See Appendix B .E m ergency surgical allowance o f up to $25 fo r treatment in hom e, o ffice o r elsew here also provided.Digitized for FRASER


163



Dependents

Home

Allowance

O ffice H ospital

E lse where

Maximumcompensation

Benefits begin


Maximum

numbervisitspaidlor

M aximum

numberdayspaidfor

Otherprovisions

Accidentand

sickness



Dailybenefit

orservice

Duration

Maximum room and

board allowance

Extraallowance

orservices

Lumpsum

Scheduleallowance

fornormaldelivery

Amountsand

limitations

Employee

_ _ Up to Provided by the$80 Health Insurance

Plan o f Greater New Y ork 1


Employee:Accident and sickness— if pregnancy com m ences while insured Other benefits— immediately

Dependent:Immediately

Dependent

_ _ _ Up to$80


$110 per year 1st 1st day day

21 per 2 in year hospital

consultation allow ances per year: 1st consultation, up to $15; 2d


Sem iprivateroom

7days

Full cost o f spec i-

Up to $125

fiedservices

Em ployee and dependent: A fter 240 days

consultation, up to $5

See Appendix B,


164


COMPANY, UNION, AND

DATE OF INFORMATION


Types and amounts




insuranceH ospitali


A ssociation of Master Painters and D ecora - tors of the City of New York

P ainters, D istrict Council 9 (AFL)

January 1955

Employee only

Provided by the Health Insurance Plan of Greater New York 1 2

Public Service C oord inated Transport (Newark, N. J .)


February 1955







____________

1 Such benefits as X -ra y , anesthesia and electrocardiogram allowances may be provided under som e plans, although not listed here. EXPLANATORY NOTES.

2 See Appendix B .

Reasons for not listing such benefits are set forth inDigitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

165


FINANCING

Benefi s for em ployee




Companyonly


onlyCompany


Companyonly

Employeeonly


Jointly JointlyEmployee Company Employee Company

X X Full cost— 4 percent o f weekly payroll

X X X X Life insurance (flat amount): $ 1 per month

H ospitalization, surgical and m edical benefits:Balance of cost

Life insurance (fiat amount):Balance of cost

Life insurance based on earnings and accident and sickness benefit:Full cost

Other benefits: Benefits for em ployee only (without m aternity), $1.00 per month; for em ployee as sole parent and children (without m aternity), $2 .00 ; for em ployee and wife or husband (without m aternity), $2 .50 ; for em ployee, wife or husband, with o r without children (and m aternity), $3.00

Same as active employee



166


COMPANY, UNION, AND

DATE OF INFORMATION



eligible—

LIFE INSURANCE

Amount


B efore age—

Insurance is

Paid i




dism em berment

Multi - d ism em berment

Twin City Rapid Transit Company (M inneapolis, Minn.)


October 1954


Service Insurance

Less than 5 y e a r s _______________________________ $1,5005 to 10 y e a r s ____________________________________ 2,00010 years and o v e r ------------------------------------------------ 2,500

60 and insured 1 year

Installments

1st o f month fo l lowing 2 months

Employee

of contributions by em ployer for employee

$2,500 60 — Installments

Dependent wife

$500

After 3 months' covered em ploy-

Employee

ment$2,50.0 60 — Installments

Dependent wife

Trucking industry, (local cartage and over-th e-road freight), various a ssocia tions and individual em ployers (Central States Southeast and Southwest areas)

Team sters (AFL)

August 1954

Nonoccu-pational;occupational

$2,500 $1,250 $2,500

National Automobile Transporters A ssociation

T eam sters, National T ruckaway and Driveaway Conference (AFL)

August 1954


$2,500 $1,250 $2,500

$500


167





disability



Dailyamount

room and board


Peryear

Period After age—



— — —

(*)

— — — Employee

(M (M (*) n (MUp to $ 11 31 days — — $341 Full cost of

services— X —

Dependents

Up to $9 31 days $279 Full cost of serv ices

X

Nonoccupa-tional


— — 1st day 8th day Employee

per d is ability Up to $ 10 31 days — — $310 Up to $200 — X Up to $2 5

Deper:dents

Up to $8 31 days $248 Up to $ 160 X Up to $25

Nonoccupa-tional

Two-thirds of average weekly wage—

13weeks

— — 1st day 8th day Employee

Maximum— $ 2 0 per d is ability Up to $ 10 31 days — — $310 Up to $200 — X Up to $200

Dependents

Up to $8 31 days $248 Up to $160 X Up to $ 160

1 No accident and sickness insurance benefit provided by plan; employees covered by paid sick leave plan.


168


COMPANY, UNION, AND




SURGICAL


Employee Dependents

C overscases

MEDICAL


accepted as full payment i f annual incom e is under—

Employee

Allowance

Home O ffice Hospital

E lsewhere


Benefits begin M axi-"mum

numbervisitspaidfor

~M axi-mum

numberdayspaidfor

Twin City Rapid Transit Company (Minneapolis, Minn.)

Street, E lectric Railway and M otor Coach Employees (AFL)

October 1954

Maximum schedule allowance$200

Up to $ 30Tonsillectom y

AppendsUp"to"$T0or

Trucking industry (local cartage and over-th e- road freight), various associations and individ- uai em ployers (Central States, Southeast and Southwest areas)

Team sters (AFL)

August 1954

$150Hospital, o ffice , home, elsewhere

Up to $3 per visit

Up to $2 per visit

Up to $3 per visit

Up to $3 per visit

$150 per disability Ho8pitali Hospital; 1st v is it 1st vis it

1 per day

Up to $25E lse .

ctomy______Up to $ 100

E lse . where: 1st vis it

Maximum schedule allowanceJ 3 W $260



Up to $175Appendec tomy

Up to $30

Up to $100

NaDOuai Automobile Transporters A ssociation

Team sters, National Trackaway and Driveaway Conference (AFL)

August 1954

Maximum schedule allowancef i r $200


Hospital, o ff ice , hom e, elsewhere

Up to $30

_______ Appendectomy______Up to $150 | Up to $ 100


169



Dependents

Allowance


E lse where


Benefits begin

Sickness

A cc ident

Maximum

numbervisitspaidfor

Maximum

numberdayspaidfor

Otherprovisions

Accidentand

sickness


Dailybenefit

orservice

Duration

Maximum room and

board allowance

Extraallowance

orservices

Lurrpsum

Scheduleallowance

fornormaldelivery

Amountsand

limitations

Employee

— — — Up to $110

Up to $ 50 —

Dependent

Up to $90

Up to $ 50


Em ployee:If disabled for at least 7 days, entitled to 3 visits within 31 days after returning to work

( l )

Employee:If pregnancy com m ences while insured

Dependent:A fter 9 months


Employee ee and dependent:

--------- T"1----------- 1------ 1----------Up to $ 100 maternity allowancei l l

Dependent

months

Up to $120 maternity allowance


Employee

Up to 14 $140 Up to _ Up to $75 _$10 days $200

Dependent

Employee and dependent: Hospitalization and surg ical- after 9 months

Employee:Accident and sickness— immediately

Up to$8

(2) Up to d if _ferencebetweentotal roomand boardchangesand $120

Up to $ 50

No accident and sickness insurance benefit provided by plan; employees covered by paid sick leave plan. Total room and board charges plus charges fo r extra services limited to $120.


170


COMPANY, UNION, AND

DATE OF INFORMATION


Types and amounts



di sm em oer mentHospitalization Surgical M edical Life

insuranceH ospitali


Twin City Rapid Transit Company (Minneapolis, Minn.)

Street, E lectr ic Railway and M otor Coach Employees (AFL)

October 1954

Employee only $1,000

Diagnostic X -ra y and laboratory examinationallowance for nonhospitalized cases— up to $25per disability

Trucking industry (local cartage and over-th e- road freight) various associations and individual em ployers (Central States, Southeast and Southwest areas)

Team sters (AFL)

August 1954

National Automobile Transporters Association

Team sters, National Truckaway and D rive- away Conference (AFL)

August 1954

1 Such benefits as X -ra y , anesthesia and e lectrocard iogram allowances m ay be provided under som e plans, although not listed here . Reasons fo r not listing such benefits are set forth in EXPLANATORY NOTES.Digitized for FRASER


171


FINANCING




Benefits for dependents of retired em ployee Amount of contribution for—


only * Jointly Employeeonly


onlyCompany




X X X E m ployee 's contribution varies a c cording to his life insurance coverage

Monthly contribution Amount Type of coverageo£ U£e Employee EmPl° r e.?

-----^ dependents

$1,500 . $3 .37 $5.96 $2,000 3 .92 6.51 $2,500 4 .46 7 .05

Balance o f cost Full cost

X X Full cost— $2 per week

X X Full cost— $2 per week


172


COMPANY, UNION, AND

DATE OF INFORMATION



eligible—Amount


Casescovered

Amount

B efore age—



Multidism em bermentMaintained Paid in—

Truck Owners A ssociation of California

Teamsters (AFL)

November 1954

1st of month fo llowing 1 month* s covered em ployment

$2,000 60 X — N onoccu-pational

$2,000 $1,000 $2,000

After age 60

F or 1 year

Maritime industry, various em ployers (Atlantic and Gulf Coasts)

Seafarers (AFL)

August 1954

1 d a y 's covered employment during previous 12 months and union m em bership

$2,500


Maritime Union (CIO)

August 1954

20 days' covered employment during 6 consecutive months


$3,500 $1,750 $3,500


Marine Engineers (CIO)

November 1954

Regular $3,500 60 X N onoccu-pational;occupational

$3,500 $1,750 $3,500engineers:30 days' covered employment during 6 consecutive months

R elie f engineers:15 days' covered employment during 6 consecutive months


173





disability



Dailyamount

room and board


P eryear

Period After age—



( l )

—

( l )

— — — — Employee

(l ) 0 ) (l ) n (l )Up to $11.50

70 days $805 Full cost o f specified serv ice s , plus up to $15 ambulance allowance per trip


Dependents

Up to $11.50

31 days $356.50 Up to $500, plus up to $ 15 ambulance allowance per trip "

X Up to $500

Nonoccupa-tional

$15 per week, if confined to hospital

Duration o f disa

— — After 1 week

After 1 week


bility re tro active to 1st day

re tro active to 1st day

(2) (2) <•> <*> (2) (2) (2> <2) (2)

Nonoccupa-tional;


13weeks

— — 1st day in hospital

1st day in hospital

Employee

occupational

(3)

per d isability — — — — — — — — —

(*> (2) (2) (2) (2) (*) <•> (2) <*)

Dependents

Up to $8 31 days ! __i

i_______:____

$248!!

Up to $80 — X —

Nonoccupa-tional


13weeks

— — 1st day in hospital

1st day in hospital

Employee

(3)per d is ability — — — — — — — — —

(2) (2) (2) (2) (2) (2) (2) (a> (*)

Dependents

Up to $14 70 days — — $980 Up to $500 |

------ -------------- — -<3U. ......

X —

No accident and sickness insurance benefits provided by plan; employees covered by the California State tem porary disability law . See Appendix A . Seamen receive free m edical and surgical care in Marine hospitals and out-patient c lin ics , under the United States M aritime law.Benefit not payable during any period for which benefits are payable under a Seam an's War R isk insurance policy .


174


COMPANY. UNION. AND




SURGICAL


Employee Dependents

Coverscases

MEDICAL



Employee

Allowance


E lsewhere


Benefits begin

Sickness Accident

Maxi Maximum mum


1 per _day

Truck Owners A ssociation o f California

Team sters (AFL)

November 1954

Maximum schedule allowance $300 | $300

Tonsillectom y Up to $52.50 Up to $52. 50


Up to $5 per visit

Up to $3 per visit

Up to $3 per visit

$250 per 6-month period

2d day

Up toAppendectomy _____

$150 Up to $ 150


Seafarers (AFL)

August 1954

(M (l ) ( l ) (l ) (M (l ) (M 0 ) (l ) ( l )



August 1954

(*)

Maximumschedule

allowance$150

Hospital 2

( l ) (l ) (i ) ( i ) o <i ) (i > (M





November 1954

(*)

Maximum schedule allowance

$300-------------

Hospital, o ff ice , hom e, elsewhere <l ) (l ) (l ) <*) <l ) ( l ) (*) (l ) (1)


Appendectomy Up to $150

1 Seamen receive free m edical and surgical care in Marine hospitals and out-patient c lin ics , under the United States Maritime law.2 E m ergency surgical care in d octor1 s o ffice also provided.Digitized for FRASER


175



Dependents Hospitalization Surgical Medical



allowancefor

normaldelivery

Amountsand

limitations

Benefits available to


E lse where

Maximumcom pensation Sick

nessA cc ident

numbervisitspaidfor

numberdayspaidfor


service

Duration

room and board

allowance

allowanceor

services

Lurrpsum

newly insured

— — Up to _ $93 per 6-month 1st day 1st day 1 per _ _ Employee Employee and dependent:$3 per period day Immediatelyvisit

— Up to $75 —

Dependent

Up to $ li !>0 maternitl i:y allov1vance

— — — _ _ _ _ _ _ _ _ Dependent only Dependent only:Immediately

1$200 r infant'

1 1 naterni

f 1ty alio wane«

1; plus a $2

1 1 5 Gove

1 1 rnment bo)

1id for

— _ — _ _ _ _ _ _ _ _ Dependent only Dependent only:If pregnancy com m ences while

$200 n1 1 taternity al

1 1 lowanc

1:e

insured

— Up to $3 per

Up to — $250 per year 3d 1st __ _ _ _ Dependent only Dependent only:$5 per visit visit If pregnancy com m ences while

day day or 1st in hospital

Up to $100

Up to $75insured

$100 for expenses incurred, other than surgical, in or out of hospital. If a multiple birth occu rs , entire maternity benefit paid for each child.


176


COMPANY, UNION, AND

DATE OF INFORMATION


Types and amounts




insuranceH ospitali


Truck Owners A ssociation of California

Team sters (AFL)

November 1954

Diagnostic X -ra y and laboratory examination allowance for nonhospitalized cases:Employee—-up to $50 for anv one accident or all sickness during any 6-month period Dependents— up to $25 fo r anv one accident o r a ll sickness during any 6-month period

Additional accident expense allowance:(F or expenses not covered by other plan benefits incurred within 3 months after date o f accident) Employee and dependents— up to $300

P olio allowance:(F or expenses incurred within 3 years from date of receiving firs t treatment, in lieu of all other plan benefits)Employee and dependents— up to $2,000

M aritime industry, various em ployers (Atlantic and Gulf Coasts)

Seafarers (AFL)

August 1954



August 1954



November 1954

Dependents only

Additional accident expense allowance (for expenses not covered by other plan benefits)— up to $300

Diagnostic X -ra y and laboratory examination allowance fo r ca ses in o r out o f hospital— up to $50 per diaability o r during any 12-month period

P olio allowance (for expenses incurred during 1st 2 years o f d isability, in lieu o f all other benefits)— up to * « non

1 Such benefits as X -ra y , anesthesia and e lectrocard iogram allowances m ay be provided under som e plans, although not listed here. Reasons fo r not listing such benefits are set forth inEXPLANATORY NOTES.Digitized for FRASER


177


FINANCING





benefits lo r retired employee _________and dependents_________Company

only Jointly Company only Jointly Employee

onlyCompany



only

Benefits for em ployee and dependents


Full cost

Full cost— $0# 60 per day per man working aboard ship

(l )

Full cost

F ull cost— $0.60 per man per day on payroll

having* a b /a r " “ “ ,M WeeWy *• ***• io* * • * “ ■ * » ° £ * * la b i l i t y . The Utter i . avaiUM. only to thoe. union member.


178


COMPANY, UNION, AND

DATE OF INFORMATION



eligible—

LIFE INSURANCE

Amount


B eforea g e -

insurance is

Maintained Paid in


C asescovered Graduated


dism em berment

Multi-d ism em berment

Pacific M aritime Association

Longshorem en's and Warehousemen* s Union (Ind.)

September 1954

On A pril 1, if em< ployed 800 hours in previous payro ll year o r 400 in last half of p rev ious payroll year; on October 1, if em ployed 400 hours in firs t half of payroll y e a r1

$ 1,000 60 N onoccu-pational;occupational

$ 1,000 $500 $ 1,000

Detroit Edison Company

Utility W orkers (CIO)

August 1954


$ 1 , 000* 60 Installments

Pennsylvania P ow er and Light Company

Employees Independent A ssociation (Ind.)

September 1954

Life insurance: A fter 6 months * employment

Other benefits: 1st o f month fo llowing 1 m onth 's employment

Service Insurance Service Insurance

6 months to 1 yean- $1,000 1 years to 4 y e a r s . $1,6001 year to 2 y e a rs — 1,200 4 years to 5 years— 1,8002 years to 3 years— 1,400 5 years and over— 2,000

60 Installments

plus

Annual earnings Insurance

L ess than $1,000 ___ $1,000$1,000 to $1,500 ___________ 1,500$1,500 to $2,000 ____________________________ ___ 2,000$2,000 to $2,500 __ __ _ _______ .. 2,500$2,500 to $3,000 3,000$3,000 to $3,500 _____ 3,500$3,500 to $4,000 _____ ______ ____ _ 4,000$4,000 to $4,500 __ _ _______ 4,500$4,500 to $5,000 _ ______ ________ 5,000$5,000 to $5,500 _ ______ 5,500$5,500 to $6,000 _____ 6,000$6,01* to $6,500 _ ____ 6,500and up

(‘ )

1 Applies only to men in ports where 75 percent work at least 800 hours per year. In ports where 75 percent work less than 800 hours, e ligib ility based on 480 hours per year o r 240 per six-m onth period.

2 Additional insurance provided on a contributory basis.3 Total amount o f insurance is based on service and annual earnings.


179



Duratidn o f benefits Benefits beginDaily


disability

Casescovered Amount Except benefit

or DurationDaily

amount

room and board


Peryear


P eriod After age—

Benefits limited Accident Sickness service Days allowance care

N onoccupa-tional

$38 per w eek 1 26weeks

— 1st day 8th day Em ployee and dependents

per d is ability

1I

1 1 Provided by the K aiser 1

1foundation Health

1 1 Plan*

1

(S) (3)

— — — — — Em ployee and dependents

(3) (3) (3) (3) (3)Sem iprivateroom

120 days Full cost o fspecifiedserv ices

X Up to $20 4

(3) (3)

— — — — — Em ployee and dependents

(3) (3) (3) (3) (3)Sem iprivateroom

70 days F ull cos t o fspecifiedserv ices

X Required serv ices provided

1 To co lle ct benefit, men regu larly em ployed in industry must have worked at least 1 day in last 31 days prior to f ir s t day o f disability. Em ployees in California are covered by the California State tem porary disability law (see Appendix A ).

Plan covers m ajority o f em ployees under IL.WU-PMA W elfare Plan. See Appendix C.| No accident and sickness insurance benefit provided by plan; employees covered by paid s ick leave plan.4 A lso payable fo r em ergency treatm ent in clin ic o r doctor1 s o ffice .


180


COMPANY, UNION. AND




SURGICAL


Employee Dependents

C overscases

MEDICAL



Em ployee

Allowance


E lse where


Benefits begin

Sickness Accident

Maxi M axi-mum mum


P acific M aritime Association

Longshorem en 's and W arehousem en's Union (ind.)

September 1954

Provided by the K aiser Foundation Health P lan1 Provided by the Kaiser Foundation Health P la n 1

Maximum schedule allowance$200

T onsillectom yUp to $40 Up to $40

Append*sc tom vUp to $100 Up to $ i00

Maximum schedule'allowance

Tonsill*sc tomyUp to $35 Up to $35

Append*sc tom vUp to $100 Up to $100



August 1954


Pennsylvania Pow er and Light Company

Employees Independent Association (Ind.)

September 1954

Individual cover* age, $2 ,000 ; em ployee and 1 dependent, $3,000 ; employe< and m ore than 1 dependent,$4,000


Individual co v e r age, $2,000; em ployee and 1 dependent,$3,000; em ployee and m ore than 1 dependent,$4,000

Up to $3 per visit

Up to $3 per v isit

1st day, up to $10; 2d day, up to $5; thereafter, up to $3 per day

Home and office : $63 per year

Hospital:$219 per disability

Hospital: Hospital:1st day

Homeand

1st day

Home

and office :

Hospital:

office :4th v is it |4th vis it

ind >ffice:

21 per year

70 per disability

Plan covers m ajority o f em ployees under ILW U-PM A W elfare Plan. See Appendix C .


181


1 Plan covers m ajority o f em ployees under ILWU-PMA Welfare Plan. See Appendix C.2 No accident and sickness insurance benefit provided by plan; employees covered by paid sick leave plan.


182


COMPANY, UNION, AND

DATE OF INFORMATION


Types and amounts




insuranceH ospitali


Pacific M aritime As sociation

Longshorem en 's and W arehousem en's Union (Ind.)

September 1954


Provided by the K aiser Foundation Health P lan 1 2

$500

(3)

Death:$500

Single d ism em - berment:j m —

M ultidism em -berment:J E W

(3)

Provided by the Health

Kaiser Fo P lan2’ 3 *

undation Same as fo r retired em ployee





August 1954

Employee and dependents Retiring at age 65 Retiring at age 60 Retiring Same as for retired em ployee


or at age 60 with or later: at age oO

Anesthesia fo r nonhospitalized cases except when used as part of em ergency out-patient care-—up to $10 fo r each use

Operating room allowance for nonhospitalized cases except when used as part o f em ergency out-patient care - up to $10 fo r each use

Diagnostic X -ra y allowance (for diagnosis resulting in hospitalization within 30 days, or fo r examination occurring within 48 hours after discharge from h ospital and is in connection with disability causing hospitalization)— up to $20

Ambulance allowance fo r nonhospitalized cases— up to $ 10 per trip

15 y ea rs ' serv ice : Same as for active employee

o r later:$1 ,000* Same as

for active em ployee

Pennsylvania Pow er and Light Company

Employees Independent A ssociation (Ind.)

September 1954

Employee and dependents Amount in effect im m ediately prior to retirem ent

Same as fo r active employee


F o r in - hospital




X -ra y allowance (for treatment o f specified conditions in o r out o f hospital)— not available fo r cases treated surgically

cases only: Same as fo r active em ployee

1 Such benefits as X -ra y , anesthesia and e lectrocard iogram allowances m ay be provided under som e plans, although not listed here . Reasons fo r not listing such benefits are set forth in EXPLANATORY NOTES. 8

* Plan covers m ajority o f em ployees under ILW U-PMA W elfare Plan. See Appendix C.Available to all men receiving PMA-ILWU pensions, regardless o f eligib ility fo r benefits prior to retirem ent and to those retiring at age 65 with 20 ye a rs ' serv ice in industry (last 5 years

consecutive) if eligib le on job .4 R a tt in g at age 65 and covered by additional life insurance-—total amount in e ffect im m ediately p rior to retirem ent reduced 10 percent at retirem ent and 10 percent annually thereafter until

amount equals 50 percent of amount in effect b efore initial reduction or $2 ,500 , whichever greater. Retiring at age 60 with 15 years ' serv ice and covered by the additional insurance— amount in e ffectat date o f retirem ent m ay be maintained until age 65, then reduced in same manner as stated previously o r reduction in coverage may begin im m ediately (em p loy ee 's contribution towards the cos t ofinsurance ceases when reduction in coverage begins).Digitized for FRASER


183


FINANCING




Benefits for dependents o f retired employee Amount o f contribution for-—




onlyCompany




X X X

(l )

X

(l )

Accident and sickness benefits:1 percent of 1st $3,000 o f annual earnings 2

Other benefits:1 percent of annual earnings over $3,000

$0 .07 per man-hour worked

(l ) (l )

X X X X Hospitalization and surgical: L ife insurance: H ospitalization and Life insurance:Benefit for em ployee only, $0 . 57 per week; for em ployee and one dependent, $1 .29 ; for em ployee, spouse and children under age 19, $ 1 .50 ; for each additional dependent, $0.63

Full costs

Other benefits:

surgical:Same as active em ployee

Full co s t4

Other benefits:Balance oi cost Balance o f cost

X X X X Em ployee’ s benefits: Employee benefits: L ife insurance: Life insurance:L ife insurance based on service— 60 cents per month per $ 1,000 o f insurance in excess o f $500 L ife insurance based on earnings— 60 cents per month per $1,000 o f insurance

Dependents* benefits:Full cost—benefits fo r spouse without maternity o r widow(er) and one • ch ild, $2 .95 per month; for spouse with m aternity o r widow(er) and two or m ore children, $4 .30 ; for spouse with m aternity and all children, $5 .35

Life insurance— full cost o f firs t $ 500 based on serv ice ; balance o f cos t o f remaining insurance Other benefits— full cost

Same as io r active em ployee

Other benefits:Full cost— benefits for em ployee only, $ 2 .58 per month; fo r husband and wife without m aternity or widow(er) and one child, $5. 53; fo r husband and wife with m aternity o r widow(er) and two or m ore children, $6 .88 ; fo r husband and wife with m aternity and all children, $7.93


2 ky active em ployee and company contributions; see contribution columns for benefits fo r em ployee and dependents.In California, this contribution is made to the State1 s tem porary disability fund.

* Em ployees m ay secure additional life insurance on a contributory b asis.Em ployees retiring at age 60 contributes toward cost o f additional insurance as long as total amount o f insurance in e ffect is maintained.Digitized for FRASER


184



COMPANY, UNION, AND New em ployees

becom e eligible—


DATE OF INFORMATIONAmount

B eforeage—


covered Graduated according to— Death

Singledism em

Multi-d ism em

Maintained Paid in— berment berment

Distributors A ssociation Life and acciden- $1 ,000 60 X N onoccu- $1,000 $500 $1 ,0 00of Northern California tal death and d is- pational

m emberm entLongshorem en's and insurance:

W arehousem en's Union, Local 6 (ind. )

September 1954

1 y e a r 's em ployment, minimum of 1, 500 hours of work

Other benefits:1st day o f month following 30 days' employment from the 20th o f one month* to 20th of following month

Restaurant industry, A fter 2 months' Base weekly earnings Insurance 60 X _ N onoccu- Base weeklyP rogressive Restaurant employment and

L ess than $ 30 _ $ 1, 000$ 30 to $ 4 0 ____ _ _ ______________ ___ 1 ,500$40 to $50 _ _ _ _ _ _ _ _ _ _ 2,000$50 to $ 6 0 _______________________________________ 2 ,500$60 to $ 7 0 _______________________________________ 3,000

pational; earningsOwners Association,and other em ployers (New York, N. Y .)

Hotel and Restaurant

2 months' union m embership

occupational L ess than $ 3 0 _______

$ 30 to $ 4 0 __________$40 to $ 5 0 __________$ 5 0 to $ 6 0 __________

$1,000 1, 500 2 ,000 2 ,500

$ 500 750

1, 000 1, 250

$ 1 ,0 00 1,500 2, 000 2, 500

Em ployees, L oca l 89(a f l )

November 1954

$ 7 0 to $ 80 _______ _______________ ___________ 3 ,5 0 0 $An tn .^70 3, 000 1, 500 3, 0001 8 0 and over _ _______ ____ _ 4 , 000 $70 to $ 8 0 __________

$ 80 and o v e r ________3,5004,000

1,750 2, 000

3,5004 ,000

Retail trade industry, various em ployers (New York, N. Y .)

Retail C lerks (AFL)

A fter 30 days' covered em ployment and 30 days* union m em bership

$ 1, 000 60 X Nonoccu-pational;occupational

$1,000 $500 $ 1, 000

October 1954


185





disability



Dailyamount

room and board


P eryear

Period After age—

Benefits limited Accident Sickne s s service Days allowance

— — — —

( l )

— — Employee and dependents

(l ) (l ) 0 ) 0 ) (M (l ) Optional plan A1 1 1 1 I Provided by the K aiser Foundation Health plan 2

____ 1____________ 1____________ 1___________________1______1_________Optional plan B

Up to $ 14 31 days $434 Up to $300, plus 75 percent o f additional charges up to $1, 300

X Up to $300, plus 75 percent ox additional charges up to $ 1, 300

Nonoccupa- Base weekly Weekly 26 _ _ __ 1st day 8th day Employee and dependentstional earnings benefit weeks

L ess than $30_______$30 to $ 4 0 __________$40 to $50

$12 .50 . 15.00

20. 00

perdisability

Semiprivate

21 days 180 50 percent o f cost of

— Full cost o f specified serv

X Up to $7 .25

$50 to $ 6 0 __________$60 to $70 _________

. 25.00 30.00

room sem iprivate

ice s fo r 1st 21 days; 50 percent

$70 to $80 _________ 35.00 room of cost for$ 80 and over ___. 40 .00 additional 180

days

Nonoccupa- tional

$ 18 per week 13weeks

60 13 weeks during any 12 consecu


perd isa

tive months$6 31 days

1$186 Up to $ 30 Over Under _

bility age 60:

X X

Dependents

Up to $6 31 days __ __ $186 Up to $30 Over Under __

Mr age 60:

I X X

1 No accident and sickness insurance benefits provided by plan; em ployees covered by the California State tem porary disability law. See Appendix A . * See Appendix C .


186


1 See Appendix C. * See Appendix B.


187


MEDICAL. - Continued

Dependents

Otherprovisions

Accidentand

sickness



AllowanceMaximum

com pensation


numbervisitspaidfor

Maximum

numberdayspaidfor

Dailybenefit

orservice

Duration

Maximum room and

board allowance

Extraallowance

orservices

Lumpsum

Scheduleallowance

fornormaldelivery

Amountsand


E lse where

Sickness

A cc ident


Optional plan A“1--------- 1------------- C I-----------1--------1--------Provided by the K aiser Foundation Health Plan 1J _______I__________J w________________ I_______ I_____

Optional plan A

Up to $5perday

Optional plan B~

$ 155 per disability 1stday

1stday

31 per d isa bility


------------------- 1----------------- rProvided by the K aiser Foundation Health P lan 1I I t i l l


Optional plan B

Employee only

Up to $150

Up to $75

Employ* After 9

ee only:After 9 months



Up to $80

Provided by the Health Insurance Plan o f Greater New York*

Hospitalization— immediately

Employee:Accident and sickness— if p reg nancy com m ences while insured Surgical and m edical— immediately

Dependent

Up to $80

Employee

$6 14days

$84 Up to $30 Up to $ 50


Dependent

Jp to $60

Up to $ 50

1 See Appendix C. a See Appendix B .


188


OTHER BENEFITS 1

COMPANY, UNION, AND


Life insurance

Distributors A ssociation o f Northern California

Longshorem en's and W arehousemen's Union, Local 6 (ind. )

September 1954


Optional plan A

Provided by the K aiser Foundation Health Plan 1 2

Optional plan B

X - ray and laboratory examination allowance for nonhospitalized cases— up to $50 per disability

Supplementary accident expense allowance (for expenses incurred within 90 days of accident)— up to $ 300





insuranceH ospitali


P olio allowance (for all expenses incurred during first 2 years after date of first treatment, in lieu of all other plan benefits)—up to $5 , 000

Restaurant industry, P rogressive Restaurant Owners Association,and other em ployers (New York, N. Y .)

Employee only

Provided by the Health Insurance Plan o f Greater New Y ork3


Same as fo r re tired em ployee

Hotel and Restaurant Em ployees, L ocal 89 (AFL)

November 1954

Retail trade industry, various em ployers (New York, N. Y .)

Retail C lerks (AFL)

October 1954

1 Such benefits as X -ray , anesthesia and electrocard iogram allowances may be provided under some plans, although not listed here. Reasons fo r not listing such benefits are set forth in EXPLANATORY NOTES.

2 See Appendix C.3 See Appendix B.


189


FINANCING








onlyCompany




X X Full cost

X X X 1 X 1 Full cost— 4 percent of monthly payroll

Full cost 1

X X Full cost

1 Financed out o f company contributions for benefits for active employees and dependents; see company contribution column for benefits fo r em ployee and dependents.


190


COMPANY, UNION, AND

DATE OF INFORMATION



eligible—Amount


C asescovered

Amount

B eforeage—



Multi- dism em bermentMaintained Paid in—

Retail drug industry, After 1 m onth 's Average weekly Length o f coverage 60 X _ N onoccu- W eekly earningsvarious associations and covered em ploy- earnings under plan Insurance pationalem ployers ment $30 to $40(New York, N. Y .) $30 to $40 L ess than 1 year $ 500 After F o r 3 months; up — (M L ess than 1 year plan

1,000 age 60 to $2,000 for rnvAragrA $ 500 $ 250 $ 500Retail, W holesale, and $40 to $ 7 5 ________ L ess than 1 y e a r ___________ 500 additional 9 1 year and over plan

Department Store Union, 1 to 2 years __ __ __ 1,000 months cov era ge___________ 1,000 500 1,000Local 1199 (CIO) 2 to 3 y e a rs________________ 1,500

3 years and o v e r __________ 2,000 $40 and overSeptember 1954 $75 and over ____L ess than 1 year — ____ 500 L ess than 1 year plan

1 to 2 years _ __ ___ 1,000 cov e ra g e ___________ $ 500 $ 250 $ 5002 to 3 years _ ___ „ _ 1,500 1 to 2 y ea rs ' plan3 to 4 years _ ________ 2,000 cov era ge___________ 1,000 500 1,0004 to 5 years - __ __________ 2,500 2 to 3 y ea rs ' plan5 to 6 y e a rs_____________ __ 3,000 cov e ra g e ----------------- 1,500 750 1,5006 to 7 y e a rs________________ 3,500 3 years and over plan7 years and over __ __ __ 4,000 coverage _ 2,000 1,000 2,000

(*) (l ) (l ) (M (M

Prudential L ife Insurance Immediately or P rior to age 65: 65 Until age 65; _ _ _ __ _ _Company of A m erica 1st o f following Annual earnings Insurance then reduced in

month same manner asInsurance Agents (AFL) Less than $ 2 ,5 0 0 .0 1 ____________________________ $ 5,000 for active em

$2,500 .01 to $3,500 .01 _ _____ 7,000 ployeeSeptember 1954 $3,500 .01 to $4,500 .01 _ _ ______ 9,000

$4,500 .01 to $5,500 .01 _ _ _________ 11,000$5 ,500 .01 to $6, 500.01 _______ 13,000and up

After age 65:On 1st o f month following attainment o f age 65, insurancereduced 20 percent and 20 percent annually thereafteruntil amount in e ffect equals $1,000

Not available i f em ployee earns less than $30 per week.


191




Extra allowanceroom and PerDaily


Days allowance

Casescovered Amount


Except'

After age—

Benefits limited

Benefits begin

Accident

Dailybenefit Duration

Perdisability


care

N onoccupa-tional

B efore age 65:Tw o-thirds o f average weekly pay—Maximum— $50 p er w eek1

26weeks per d isability1


1st day 8th day Employee and dependents 2

Age 65 and o v e r :D ifference between above weekly benefit and F ederal Social Security benefits

Sem i-privateroom

21 days 50 percent of cost of sem iprivate room


Up to $ 10

Employee and dependents — Nonoccupational disability cases

(3 ) (3) (3) (3) (3) (3) (3)Up to $10 ___ _ _ $700 Up to 10 tim es _ X Up to 10 times rate

] rates o f sem i of sem i-private(4) j j private room or room or $100,

$100, whichever whichever lesserle sser

Employee only — Occupational disability cases----------------------- ,------------------------,------------1— ........................ ................... ...... — "I------------------------------------ 1------------1----------------- 1---------------------------------

Difference, if any, between benefits provided through W orkm en's Compensation or other Federal or State program to which em ployer contributes and the above benefits

!I * *

1 If d isability occu rs within firs t 30 days' employment, benefit is 50 percent o f average weekly pay (maximum-—$30) fo r 13 weeks.* Not available i f em ployee earns $25 or less per week.s No accident and sickness insurance benefit provided by plan; employees covered by paid sick leave plan.* Up to $10 o r standard rate o f sem i-private room , whichever le ss ; however, if standard rate of sem i-private room is less than $7, allowance will be up to $7 for each day in hospital.Digitized for FRASER


192


COMPANY, UNION, AND


allowance accepted as lull

payment i l annual incom e is under—

SURGICAL


Employee Dependents

C overscases

MEDICAL


accepted as lull payment il annual incom e is under—

Employee

Allowance


E lse where


Benefits begin

Sickness Accident

Maxi Maximum mum


(*) (a)

Retail drug industry, various associations and em ployers (New York, N. Y .)

Retail, W holesale, and Department Store Union, Local 1199 (CIO)

September 1954



Up to $30

Hospital, o ffice , home, elsew here

<l >

(a) ( a) (a> (a) (a) (a) (a) <a)


(1)

Prudential L ife Insurance Company of A m erica

Insurance Agents (AFL)

September 1954

Nonoccupational disability____________cases______________Maximum schedule allowance$215---------- nf$225------------


Nonoccupational d isability cases


Child, up to $40; w ife, up to $60

_ Up to Up to Up to _ Under age 60, $ 150 8th day 8th day _$3 per $2 per $3 per per disability; overvisit visit visit age 60, $150 per year

Occupational d isability cases


Occupational disability cases__________

------------------------------ ,-------------- ,------------- ,------------- ,-------------- ,-------------------------------------- |---------------p--------— ,-------------- 1------D ifference, if any, between benefits provided through W orkmen1 s Compensation o r other Federal o r State program to which em ployer contributes and above benefits

D ifference, if any, between benefits p ro vided through W orkmen’ s Compensation o r other F ed era l o r State program to which em ployer contributes and above benefits

Not available i f em ployee earns less than $37.50 a week.No m edical benefit provided by plan; how ever, if em ployee joins Health Insurance Plan o f Greater New York (see Appendix B ), this plan subsidizes, in part, this coverage.Digitized for FRASER


193



Dependents Hospitalization Surgical M edical


Maximum Other Accident Daily Maximum Extra Schedule Benefits available to


E lse where

Maximumcom pensation Sick

nessA cc ident

numbervisitspaidfor

numberdayspaidfor


service

Duration

room and board

allowance

allowanceor

services

Lumpsum

allowance for

normal delive ry

Amountsand

limitationsnewly insured

____ ____ — _ _ ____ ____ _ _ _ Regular Employee Employee and dependent:

(M (*) (l ) H n (l ) <M (l ) (l ) (*)benefits Immediatelyfor 6 weeks — — Up to

$100

(*)

Up to $85

<1 * 3) (*)

Dependent

Up to $100

(*)

Up to $75

(3) (l )

____ ____ ____ ____ ____ _ _ . . Employee _ _ Employee and dependent Em ployee and dependent:only:Entitled to 3 visits within 31 days after returning to work

If pregnancy com m ences while(4) Up to

$100Up to $75

insured

1 No m edical benefit provided by plan; however, if employee joins Health Insurance Plan o f Greater New York (see Appendix B ), this plan subsidizes, in part, this coverage.* Not available i f em ployee earns $25 o r less per week.3 Not available i f em ployee earns less than $37.50 per week.4 No accident and sickness insurance benefit provided by plan; em ployees covered by paid sick leave plan.


194


COMPANY, UNION, AND

DATE OF INFORMATION


Types and amounts




insuranceH ospitali


Retail drug industry, various associations and em ployers (New York, N. Y .)

Retail, W holesale, and Department Store Union, L oca l 1199 (CIO)

September 1954


Optical, dental, X -ra v , and blood bank services— available at special rates

Prudential L ife Insurance Company o f A m erica

Insurance Agents (AFL)

September 1954


P olio allowance— 75 percent o f expenses incurred and not covered by other plan benefits during 3 -year period following date o f f irs t treatment; maximum— $5,000

M ajor m edical expense benefit— 75 percent o f ex - penses not covered by other plan benefits incurred during each benefit year which is in excess o f "deductible"; maximum— $ 10,000 per person during his lifetim e *

Same as for active em ployee 3

Same as for active employee but lim ited during re tire ment to $700 for room and board and $100 for extra services

Same as for active employee but lim ited during r e tirement to $225


Same as fo rretiredem ployee

1 Such benefits as X -ra y , anesthesia and electrocard iogram allowances m ay be provided under som e p lans, although not listed here. Reasons fo r not listing such benefits are set forth in EXPLANATORY NOTES.

A benefit year is a 12-month period beginning day firs t charge included in the "deductible" o ccu rred . The "deductible" va ries , according to earnings, from $100 to $500. In case o f occupational disability o f em ployee, benefits received under W orkm en's Compensation reduce the eligible expenses under this program .

s Em ployees retiring p rior to age 65 m ay, at any tim e, have his insurance reduced to $ 1 ,0 00 , at which time his contribution ceases.


195


FINANCING





Companyonly

Companyonly

Employeeonly

Companyonly

Employeeonly

Companyonly

Employeeonly


J ointly Jointly Jointly JointlyEmployee Company Employee Company

X X Full cost— 3 percent o f monthly payroll

X X X X Life insurance:$0 .115 weekly per $1,000 o f insurance1

M ajor m edical expense benefit: Benefit fo r em ployee only, $ 6 .45 per week; fo r em ployee and ch ildren, $0 .7 0 ; for em ployee and w ife, $1 .10 ; fo r em ployee, wife and ch ildren, $1 .35

Other benefits:Benefits lor em ployee only, $0.30 per week; for em ployee and ch ildren, $0 .60 ; fo r em ployee and w ife, $0 .80 ; for em ployee, wife and children, $1.00

Balance o f c o s t 1 H ospitalization and surgical:Benefits fo r em ployee only, $0 .30 per week; fo r em ployee and ch ildren, $ 0 .60 ; for em ployee and wife; $0 .80 ; fo r em ployee, wife and ch ildren, $1 .00

Life insurance: Full c o s t 2

Hospitalization and surgical: Balance o f cost

j At age 65 em ployees* contribution fo r life insurance ceases and company pays full cost o f this insurance.Em ployees retiring p rior to age 65, m ay maintain insurance in effect until age 65 by continuing to contribute towards its cost o r have insurance reduced to $1,000 and cease contributing.


196


COMPANY, UNION, AND

DATE OF INFORMATION



eligible- -Amount


C asescovered

Amount

B eforeage—



Multi-dism em berment. Maintained Paid in—

Realty A dvisory Board on Labor Relations (New York, N. Y .)

Building Service Employees (AFL)

October 1954


$500 1 60 X

Hotel A ssociation o f New York City

New York Hotel Trades Council (AFL)

August 1954

Accident and sickness benefits: A fter 4 weeks' covered employ* ment

Other benefits: A fter 4 months' covered em ployment and 6 months' union m em bership


$1,000 $500 $1,000

Laundry industry, various em ployers ’

Laundry W orkers (AFL) National plan

February 1955

1st o f month fo l lowing 30 days' employment and union m em bership

$1,000 60 F or 2 years N onoccu-pational

$1,500 $750 $1,500

On January 1, 1955, insurance is to be increased to $750 and on January 1, 1956 to $1,000,


197



Casescovered


benefitor

serviceDuration


room and board

allowance


Peryear

P erdisa bility


careAmount

PeriodExcept



to—

(l ) (*) (l ) (l ) (l ) ( l )

— Employee and dependents

(l )Sem i-privateroom

21 days 180 50 percent o f cos t o f sem iprivate room

Full cost o f specified serv ices fo r 1st 21 days; 50 percent o f cost fo r additional 180 days

X Up to $7.25

N onoccupa-tional

$15 per week 13weeks per d is ability


Sem i-privateroom

21 days 180 50 percent of cos t o f sem i- private room

Full cost o f specified se rv ices for 1st 21 days; 50 percent o f cos t for additional 180 days

X Up to $7.25

N onoccupa-tional

C lasses I, HI and V— $10 per weekClass VI— $ 12 per week C lass VH— $20 per week

(*)


1st day 8th day or 1st ill hospital

1

Em ployee only

Up to $10 70 days | _ $700 Up to $50 X

1 No accident and sickness insurance benefit provided under plan; em ployees covered by the New York State tem porary disability la w . See Appendix A .Amount depends on em ployer contribution to program and/or variation in amount o f surgical and m edical benefits provided the various cla sses o f em ployees covered by program .


198


COMPANY, UNION, AND




SURGICAL


Employee Dependents

C overscases

MEDICAL



Employee

Allowance

Office Hospital

E lsewhere


Benefits begin

Sickness Accident

Maxi-”mum

numbervisitspaidfor

M axi-mum

numberdayspaidfor

Realty A dvisory Board on Labor Relations (New York, N. Y .)

Building Service Em ployees' (AFL)

October 1954

Maximum schedule allowance "$250 $250

Hospital, o ff ice , home, elsew here

W t o T50Tonsillectom y


Appe nde c tomy Up to"$ 12 f> * 'fT ip to T 12F



August 1954

Provided by New York Hotel Trades Council and Hotel A ssocia tion Health Center

<‘ )

Provided by New York Hotel Trades Council and Hotel A ssociation Health C enter1

Laundry industry, various em ployers


February 1955


$250


H ospital, o ff ice , hom e, elsewhere

(*)

Appendectomy Up to $166. 67

(*)

Up to $5 per v is it

(*)

Up to $3 per visit

(*)

Up to $5 per visit

0

$250 per disability

(*)

o ffice : 2d v is it

(*)

1 per day;3 perweek; 50 per d isa b ility

(*)

See Appendix D.Benefits described here cover m ajority o f em ployees under program ,


199


MEDICAL - Continued

Dependents

Allowance


E lse where

Maximumcompensation

Benefits begin


Maximum

numbervisitspaidfor

Maximum

numberdayspaidfor

Other Accident provisions sic^ ness



Dailybenefit

orservice

Duration

Maximum room and

board allowance

Extraallowance

orservices

Lumpsum

Scheduleallowance

fornormaldelivery

Amountsand

limitations



Up to $80

Up to $75


Regularbenefits

Employee

for 6 weeks

(M

Up to $80

Provided by New York Hotel Trades Council and Hotel A ssociation Health Center 2


Dependent

_ Up to$80

Em ployee only------------------ ,------------ 1----------- ,------------------- 1-----------------1--------- t---------------- |----------$75 maternity allowance for hospitalized cases; $50 for nonhospitalized cases

Employee only: A fter 9 months

Available only to em ployee insured for life , accidental death and dism em berm ent, and hospitalization, See Appendix D.


200


OTHER BENEFITS1

COMPANY, UNION. AND


Life insurance

Realty Advisory Board on Labor Relations (New York, N. Y .)


R etired employee


di smemoermentHospitalization Surgical M edical

Dependents o f retired em ployee

Lifeinsurance

H ospitalization Surgical M edical

Building Service Employees (AFL)

October 1954



Employee only

Provided by New York Hotel Trades Council and Hotel A ssociation Health Center 1 2

August 1954

Laundry industry, various em ployers


Age 65, plan coverage, and 20 yea rs1 union m embership: T500

February 1955

1 Such benefits as X -ra y , anesthesia and electrocard iogram allowances may be provided under some plans, although not listed here. Reasons fo r not listing such benefits are set forth in EXPLANATORY NOTES.

2 See Appendix D.Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

201


FINANCING





Employeeonly

Companyonly

Employeeonly

Companyonly


only Jointly only Jointly Jointly Jointly only Employee Company Employee Company

X X Full cost— $17 per quarter 1

X X Full cost— 3 percent of payroll

X X Full cost Full cost

Com pany's contribution to be increased to $ 1 8 .7 5 per quarter per employee on January 1, 1955; to $ 2 0 .2 5 per quarter per employee on January 1, 1956.



Appendix A203

State T em porary Disability Insurance

In 1954, four States had statutes providing protection from loss of wages because o f tem porary disability arising out o f nonoccupational cau ses . The first of these laws was enacted by Rhode Island in May 1942. Benefits becam e payable on A pril 1, 1943. California* s program was adopted in May 1946, New Jersey* s in June 1948, and New York State* s in A pril 1949.

In Rhode Island, California, and New Jersey , these statutes are adm inistered by the State employment security agencies in coordination with unemployment insurance. Coverage of w orkers and em ployers is identical under the two program s. The New York statute, how ever, is adm inistered by the Workmen* s Compensation B oard and coverage differs from unemployment insurance•

B rie f descriptions of the benefits provided to em ployed w orkers under these four State plans are presented below . B enefits are also provided under these statutes for workers who b e com e disabled while unemployed but these are not d iscussed here. Information on these prov ision s, as well as m ore detailed analyses o f the statutes, are contained in publications of the U. S. Department of Labor * s Bureau o f Employment Security.

California

Type o f plan. — California operates a State fund with p ro v isions fo r substituting private tem porary disability plans when both em ployer and a m ajority o f employees agree. An individual w orker, how ever, m ay re je ct the private plan for coverage by the State fund. The private plan must supply benefits equal in all resp ects , and superior in at least one, to the State fund.

Financing.— One percent of the first $3,000 of annual wages is paid by em ployees covered by the State D isability Fund; no contribution is made by em ployers. In the case of private p lans, no em ployee m ay be charged m ore than 1 percent o f the firs t $3 ,000 o f annual wages; the em ployer pays any remaining cost.

Benefit form u la .— W eekly benefits range from $10 to $35 and are determ ined by a schedule o f high-quarter earnings. The maximum duration is 26 weeks per disability. Benefit payments start after 7 consecutive days o f disability at the beginning of each uninterrupted period of d isability. Uninterrupted periods are con secutive periods o f d isability due to the same or related causes and not separated by m ore than 14 days. This waiting period or

any unexpired portion of it is waived upon entry into a hospital for a full day of confinement. F or each day of disability in ex cess of seven, benefits are paid at a rate o f one-seventh of the weekly amount.

To qualify for benefits a w orker must earn a minimum o f $300 during his base period . The base period is defined as the first 4 o f the last 5 calendar quarters preceding disability beginning in the second or third month o f a quarter. It is the firs t 4 o f the last 6 calendar quarters preceding disability b e ginning in the firs t month of a quarter.

If m ore than 75 percent o f the worker* s earnings are in one quarter, his base period wages must equal 30 times the weekly benefit amount or I73 tim es his high-quarter wages, whichever is le s s . This provision makes som e seasonal and shortterm w orkers inelig ible.

In cases where a worker is receiving an amount for workmen* s compensation which is less than the amount he would receive for the same disability under the tem porary disability statute, he is entitled to the d ifference. A worker receiving wages while not working is eligible for benefits if the combined wages and benefits do not exceed 70 percent o f his wages prior to disability.

No payments are provided in cases o f illness or injury caused by or arising out o f pregnancy when originating prior to 28 days after termination of the pregnancy.

New Jersey

Type of plan. — A State fund is operated by New Jersey , but provision is made for substitution o f private tem porary d is ability plans when the benefits provided are equal to or better than those provided by the State fund and when a m ajority of the w orkers in an establishment elect coverage by the private plan, or when an em ployer is willing to assum e the entire cost of benefits.

Financing. — W orkers covered by the State plan pay 0 .5 percent o f the first $3,000 o f annual earnings; em ployers n or m ally pay a basic 0 .25 percent on the firs t $3 ,000 . The em ployer* s contribution may be varied between the lim its o f 0 .75 percent and 0 .1 percent depending on the firm* s experience rating. W orkers covered by private plans cannot be assessed m ore than 0 .5 percent o f the first $3,000 of annual earnings. Em ployers pay any remaining cost.


204

Benefit form ula , — To qualify for benefits, 17 base weeks o f employment are required in the 52 weeks preceding the week in which the disability begins. A base week is a week in which wages from one em ployer are $15 or m ore . Weekly benefits are computed at two-thirds o f the average weekly wage, with a minimum o f $10 and a maximum of $30. The average weekly wage for em ployed workers is determined by adding all o f the wages from one em ployer during the base weeks in the 8 weeks preceding disability and dividing by the number of such weeks. If this is less than the average wage obtained by using all earnings from all em ployers during the 8 weeks preceding disability, then all earnings are used.

Benefits are payable up to a maximum of from 13 to 26 weeks for em ployed workers during a 12-month period . M aximum payments are computed as the lesser of 26 tim es the weekly benefit or three-fourths o f the wages in the base weeks. F or employed w orkers, the base period is 52 weeks preceding the week in which the disability began.

Payments com m ence after 7 days at the beginning o f an uninterrupted period o f d isability. An uninterrupted period o f disability is defined as consecutive periods of disability due to the same or related causes and separated by not m ore than 14 days, i f the individual earned wages from his last em ployer during the 14-day period . F or each day of disability in excess of seven, benefits are paid at a rate o f one-seventh o f the weekly amount. Payments for part weeks are rounded to the next highest dollar.

A worker is eligible fo r benefits even though receiving wages while not working provided the benefits plus wages do not exceed his wages prior to disability.

Payments are not made for disability which is due to pregnancy, childbirth, m iscarriage , or abortions. Self-in flicted injuries and injuries suffered while perpetuating high m isdem eanors are also excluded.

New York

Type o f plan. — In New York State em ployers have the alternatives o f coverage under an insurance company policy , a State D isability Fund policy , or they may obtain approval for se lf insurance. Each establishment carries its own risks whether under the State fund or a private plan.

Financing. — Under the New York law, em ployees pay 0 .5 percent o f the firs t $60 of weekly wages, not to exceed 30 cents per week. E m ployers pay any remaining cost.


Benefit form ula. — W eekly benefits are computed as one- half o f the average weekly wage, subject to a maximum of $33 and a minimum of either $10 or the average weekly wage, whichever is le ss . The maximum duration for benefits is 13 weeks in any 52 consecutive weeks or fo r any one period o f d isability. A 7-day waiting period is required at the beginning of each uninterrupted period of disability. An uninterrupted period includes all periods of disability caused by the sam e or related injury or sickness, if not separated by m ore than 3 months.

To qualify for benefits, em ployed w orkers must have had four or m ore consecutive weeks o f covered employment (or 25 days regular part-tim e employment) p r ior to com m encem ent o f the disability.

In the case of private plans, benefits m ust be at least equivalent to statutory benefits. Benefits related to disability (hospitalization, surgical, e tc .) o f the individual or o f his dependents may be substituted fo r cash wage loss benefits, according to a table of equivalents; cash benefits m ust, how ever, be at least 60 percent of those in the statutory schedule. Private plans existing when the disability law was enacted may continue during the period of the contract and m ay be extended by co llective b a r gaining agreement without meeting statutory conditions.

Benefits are not payable fo r disability conditions arising out o f pregnancy except after a return to covered em ploym ent for at least 2 consecutive weeks follow ing term ination o f pregnancy.

In New York, benefits are not payable for any day for which the worker is entitled to rem uneration equal to the benefits . This does not apply to voluntary aid from the em ployer. W orkers are not eligible for benefits for any period in which workmen* s compensation is payable, other than permanent partial benefits for a prior disability.

Rhode Island

Type of plan. — Rhode Island has an exclusive State fund with no provision for the substitution o f private tem porary d isa bility plans.

Financing. — An em ployee contribution o f 1 percent o f the firs t $3,000 of annual wages is requ ired . E m ployers do not con tribute to the fund.

Benefit form ula.— The benefit form ula in Rhode Island is the same as for unemployment insurance. The weekly benefit is determined by a table provided in the statute and averages about one-twentieth of the highest quarter earnings during the base period . A base period consists o f the last four calendar quarters preceding the benefit year. A benefit year begins with a v a l i d


cla im for disability benefits. Qualifying wages during the base period are 30 tim es the w o rk e r 's weekly benefit amount, in c o v ered em ploym ent.

The weekly benefit ranges from $10 to $2 5. 1 The duration is based on a schedule o f total base period earnings, in covered em ploym ent, and ranges from $104 for base period wages o f $300 to $400, up to $650 for wages of $2,400 or m ore . In term s o f weeks o f d isability, duration ranges from slightly m ore than 7 weeks up to 26 w eeks.

There is a waiting period of 7 consecutive days of d is ability in the benefit year, except in pregnancy ca ses . Benefits

1 E ffective January 1, 1956, the maximum will be $30per week.


are paid for part weeks of disability, following 2 compensable weeks in which benefits were paid, at a rate of one-fifth of the weekly amount for each weekday up to four-fifths o f the weekly benefits, rounded to the next highest dollar.

A worker may receive combined workmen* s compensation and disability benefits up to 85 percent of his average weekly wage on his last job , provided combined payments do not exceed $53. He is eligible even though receiving regular wages or a part thereof, while not working.

Benefits for pregnancy are lim ited to 12 consecutive weeks beginning 6 weeks prior to expected childbirth and ending not m ore than 6 weeks following childbirth, except for unusual com plications.


206

Appendix B

Health Insurance Plan o f G reater New York

Established on M arch 1, 1947, the Health Insurance Plan of Greater New York (HIP) provides prepaid m edical and surgical care . At the end of 1954, alm ost 425,000 people were covered .

Services are provided through 29 affiliated m edical groups located throughout the G reater New York m etropolitan area . M ost o f these groups have their own m edical center. Serv ices o f general physicians and specialists in 12 basic fields o f m edicine are provided at each m edical center. In addition, the centers are equipped with diagnostic laboratories, X -ra y and physical therapy equipment, and ambulance serv ice .

E lig ib ility . — M ost m em bers o f HIP are enrolled through groups organized by either unions or em ployers. Other groups have been set up among city , State, and Federal em ployees and among tenant groups. The minimum size o f participating groups is 10; how ever, dependents must also be included in the coverage if the group includes less than 25 em ployees. On leaving his job an em ployee can continue as a subscriber by paying a prem ium direct to HIP. A ll m em bers o f a group are accepted regardless o f age or physical condition. Dependents include spouse and unm arried children under 18 years o f age. F or a group o f 25 or m ore to qualify, at least 75 percent of those eligible in the unit covered by the group must enroll.

Any person is eligible to join regardless o f his annual incom e. H owever, the base prem ium rate applies to single p e r sons earning not m ore than $5,000 a year and to m arried persons with fam ily incom es of not m ore than $6,500 a year. P a rtic ipants earning above these amounts pay a higher prem ium .

B enefits. — Greater New York* s Health Insurance Plan provides general m edical ca re , the serv ices o f sp ecia lists ,

surgical care , and maternity care at HIP m edical cen ters, in the doctors* o ffices , in hospitals, and at hom e. D iagnostic and laboratory serv ices , physical therapy, X -ra y treatment, and other special treatments are provided at the health cen ters. Among other benefits provided are professiona l serv ices for the adm inistration of blood or plasm a, period ic health examinations, im m unizations and other preventive m easu res , eye exam inations, visiting nurse serv ice , psychiatric advice, and ambulance se rv ice .

Mental and physical conditions requiring long term in stitutional care are excluded. Cases covered b y Workmen* s C om pensation, the Veterans* Adm inistration, and other governmental agencies are also excluded from HIP benefits. Other items not included are treatments for a lcoholism and drug addiction, purely cosm etic surgery, artific ia l lim bs and eyeglasses, p rescribed drugs, b io log ica ls, and anesthesia when adm inistered in a hospital.

The Health Insurance Plan offers a wide range o f benefits to em ployees and dependents living outside areas served by HIP m edical groups. Cash payments are made for surgery, maternity care , X -ra y and laboratory exam inations, and ambulance serv ice . Payment for these serv ices and others are made a c cording to a Schedule o f Indem nities, which allows up to $300 for certain surgical procedures and up to $200 fo r obstetrica l p ro cedures. In addition, preventive care (health exam inations, im munizations, e t c .) , and general m edical and specia list care at hom e, doctors* o ffices , and hospitals are indem nified. F or each home visit, HIP pays up to $4 and fo r each o ffice or hospital v isit up to $3, if the v isit is not in connection with a condition for which payment is allowed under the Schedule o f Cash Indem nities. In each case there is a lim it o f one v isit a day and of 100 visits for any one illness or in jury. The exclusions noted above for in -area HIP subscribers a lso apply to ou t-o f-a rea su bscribers.


207

Appendix C

K aiser Foundation Health Plan

M edical care and hospitalization are provided through the K aiser Foundation Health Plan to nearly a half m illion persons in the West Coast States. This is a voluntary prepaid group p ra c tice plan. A number o f m odern hospitals are operated by the plan; the plan a lso maintains m edical centers located throughout the areas served . San F ran cisco , Los Angeles, and Portland are the three m ajor areas served by the Kaiser Plan. P a rtic ipation in the plan, how ever, is spreading in other West Coast a re a s•

E lig ib ility . — Both group and individual m em bership are available. H ow ever, m em bership m ost commonly occu rs through participating groups ch iefly organized on a union or company b a s is . Individuals m ay continue coverage after dropping out o f the groups but m ust pay different premium rates for such benefits available to them. M em bers, spouses, and dependent unm arried children under 19 years of age are eligible for coverage.

B en efits. — The benefits provided vary with particular s ituations or the needs o f specia l groups of su bscribers. The benefits described below are those provided for em ployees covered by program s in this report which utilize the Kaiser plan. 1

A ll serv ices o f physicians, including surgeons and spec ia lis ts , are provided without charge for in-hospital ca re . D octor* s care at the o ffice is also provided without cost, including consultation and treatment by specialists and eye examinations for g la sses . In the hom e, a $2 charge is made for the firs t v is it fo r each illness or in jury. No charges are made for fo llow up ca lls by the doctor or for calls of visiting nurses, when under doctor* s o rd ers . Unlimited em ergency service is provided in cases of sudden illness or in jury.

Hospital care is provided for 111 days a year for each illness or in jury, and its recurrences and com plications. A ll

1 P a cific M aritim e A ssociation and Longshoremen* s and Warehousemen* s Union (ind.) and The Distributor* s A ssociation o f Northern California and Longshoremen* s and Warehousemen* s Union (ind.) plans.

charges are covered while in the hospital, including anesthetics, m edicines, and drugs. A private room and private nursing care are provided when needed. No charges are made for blood transfusions if the blood is replaced.

A charge o f $60 covers com plete m aternity care to the m other b e fore , during, and after confinem ent, and full care o f the child . In cases o f interrupted pregnancy, such as m isca r riage , the charge is no m ore than $40. A $15 charge is made for the rem oval o f tonsils and adenoids; this covers all serv ices . No charge is made for other surgica l p roced ures .

X -ra y s , laboratory serv ice s , e lectrocard iogram s, and physiotherapy are provided in and out o f the hospital, without charge, on doctors* o rd ers . Dental X -ra ys are also available without charge. However, dental care is not provided. Ambulance serv ice is furnished, on doctors* o rd ers , within 30 m iles o f any Health Plan m edical o ffice or hospital. Although charges are not made for m edicines and drugs in the hospital, the patient m ust pay for any supplied in the o ffice o r at hom e.

In cases o f accident (but not illn ess), when m ore than 30 m iles from the nearest K aiser Plan hospital or o ffice , expenses are reim bursed up to $250 fo r em ergency care until the injured person* s condition perm its travel to a K aiser Health Plan facility .

Diagnostic serv ices are provided fo r p o lio . Services for rehabilitation and treatment of this d isease, after the acute and contagious stage, are provided for up to 1 year o r up to a value o f $2 ,500 , whichever is reached fir s t . These serv ices are available at the rehabilitation centers at Santa Monica and V allejo, Calif. No care is provided during the contagious stage. In cases o f other quarantinable d iseases and tu bercu losis , serv ices are available for diagnosis only, although em ergency treatment for tuberculosis is provided until proper placem ent o f the patient is made and care for tuberculosis is provided where isolation is unn ecessa ry . F or mental illn ess , only diagnosis is available. Care for a lcoholism is not provided for the condition itse lf but is available fo r such conditions as c irrh os is , malnutrition, and injuries caused by a lcoholism . No serv ices are provided for conditions resulting from m ajor d isasters, ep idem ics, or in cases o f attempted suicide or intentionally se lf-in flicted in juries.


208

Appendix D

New York Hotel Trades Council (AFL) and Hotel A ssociation Health Center, Inc. Plan

The New York Hotel Trades Council (AFL») and the Hotel A ssociation o f New York City sponsor a health center which serves approxim ately 35,000 union em ployees o f 180 or m ore hotels and about 50 hotel concessions in New York City. Ten loca l unions are involved. This plan originated in 1949, under co llective b a r gaining, when the parties agreed to establish a Health Center program . The Center began operations in October 1950.

E lig ib ility . — A ll w orkers covered by co llective bargaining agreem ents between the New York Hotel Trades Council and the em ployers who are contributing m em bers of the New York Hotel Trades Council and Hotel A ssociation Insurance Fund are entitled to care at the Health Center. In addition, m em bers of the New York Hotel Trades Council in good standing during the preceding 6 months, and em ployed full time (as defined by adm inistrative procedure) by union contract hotels or concessions which had been contributing m em bers to the Fund during the preceding 4 months, are eligible for in-hospital m edical and surgica l ca re , em ergency ambulance se rv ice , and visiting nurse serv ice when authorized by the Health Center.

Dependents are not covered .

Financing.— Contributing em ployers pay 3 percent o f their weekly payroll into a fund which provides for a w elfare program , including the Health Center.

B enefits. — A b rie f sum m ary of the benefits provided fo l low s. Complete am bulatory, diagnostic, and therapeutic serv ices are provided at the Health Center. Home care is not provided except for em ergency ca lls to determ ine the need for hospitalization. In addition to the benefits available at the Health Center, m edical and surgical care are provided in the hospital.

Benefits provided at the Health Center include general m edical and specialists care ; standard laboratory and other diagnostic procedures, including X -ra y s and refractions; physical therapy, rehabilitation, X -ra y therapy, and injection therapy; the serv ices of m ed ica l-socia l w orkers; visiting nurses; and am bulance serv ice . Drug prescrip tions are sold at cost and eyeglasses at reduced rates. Preventive physical examination and p rep lace ment examinations for new em ployees are provided. The C enter1 s diagnostic serv ices are also available to patients under the care o f private physicians.

Care is not provided fo r occupational diseases and in juries covered by workm en1 s com pensation or for cases covered by other agencies such as the V eterans1 Adm inistration. Serv ices are not provided for cases requiring highly specia lized treatment or confinement to special institutions, such as acute a lcoh olism , drug addiction, tubercu losis, and mental or nervous d isord ers . Private duty nursing is not covered . However, visiting nurse serv ice following hospitalization is provided if such care is deem ed necessary .

☆ U. S. GOVERNMENT PRINTING OFFICE : 1955 O— 347946


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