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100 Selected Health and Insurance Plans
Under Collective Bargaining, Early 1966
B u l l e t i n No. 1502
UNITED STATES DEPARTMENT OF LABOR
W. Willard Wirtz, Secretary
BUREAU OF LABOR STATISTICS
Arthur M. Ross, Commissioner
100 Selected Health and Insurance Plans
Under Collective Bargaining, Early 1966
Bulletin No. 1502
September 1966
UNITED STATES DEPARTMENT OF LABOR
W. Willard Wirtz, Secretary
BUREAU OF LABOR STATISTICS
Arthur M. Ross, Commissioner
For sale by the Superintendent of Documents, U .S . Government Printing Office, W ashington, D.C., 2 0 4 0 2 - Price $ 1 .0 0
Preface
Contents
P ag e
T h is b u lle tin d e s c r i b e s the p r in c ip a l fe a t u r e s o f 100 s e le c t e d
h ea lth and in s u r a n c e p la n s in e ffe c t d u rin g e a r ly 1966. It is a r e v i
s io n o f th e D ig e s t o f One H undred S e le c te d Health and In su ra n ce P la n s
U n der C o lle c t iv e B a rg a in in g , W in ter 1961—62 (B L S B u lle tin 1330),
p u b lis h e d In 1962, an d a c o m p a n io n to the D ig e s t o f One H undred
S e le c t e d P e n s io n P la n s U nder C o lle c t iv e B a rg a in in g , L ate 1964 (BL.5
B u lle tin 143^), p u b lis h e d in 1965.
T h is d ig e s t in c lu d e s 99 o f the 100 p la n s s u m m a r iz e d in B L S
B u lle tin 1330.
A n a r t i c l e h igh ligh tin g d e v e lo p m e n ts in h ealth and
in s u r a n c e p la n s d u rin g the la s t 4 y e a r s , as show n b y a c o m p a r is o n
o f th is and the p r e c e d in g d ig e s t w ill a p p ea r in the M onthly L a b o r
R e v ie w .
A lis tin g o f r e c e n t B L S p u b lic a tio n s on e m p lo y e e b e n e fit
p la n s is sh ow n on the in s id e b a c k c o v e r o f this b u lle tin .
v
In dex (b y in d u stry ) --------------------In dex (a lp h a b e tica l) ------------------------------------------------------------------------------------ v i i i
E x p la n a to ry n o t e s -------------------------------------------------------------------------------------1
D ig e s t o f s e le c t e d h ealth and in s u r a n c e p la n s -----------------------------------6
A p p e n d ix e s :
A.
B.
C.
D.
T e m p o r a r y D is a b ility In su ra n c e -------------- -------------------------------G rou p H ealth In s u ra n c e , In c. ----------------------------------------------------H ealth In s u ra n c e P la n o f G r e a te r New Y o r k -------------------------K a is e r F ou n d a tion H ealth P la n ---------------------------------------------------
146
149
150
151
U nion i d e n t i f i c a t i o n -----------------------------------------------------------------------------------
1 52
T h e p la n s in th is d ig e s t a r e n ot p r e s e n te d a s t y p ic a l o r m o d e l
p la n s , n o r a s a r e p r e s e n t a t iv e sa m p le o f a ll p la n s u n der c o lle c t iv e
b a r g a in in g . T h ey w e r e s e le c t e d b e c a u s e they c o v e r e d la r g e n u m b e r s
o f w o r k e r s in m a jo r in d u s tr ie s , o r b e c a u s e they illu s tr a t e d d iffe r e n t
a p p r o a c h e s to h ea lth and in s u r a n ce c o v e r a g e , o r b e c a u s e o f th e ir in
t e r e s t to th e g e n e r a l p u b lic e v id e n ce d in in q u ir e s r e c e iv e d b y the
B u rea u .
The n u m b e r o f w o r k e r s c o v e r e d by the p la n s ra n g e d fr o m
a b ou t on e th ou sa n d to s e v e r a l h u n dred thousand.
F o r the c o n v e n ie n c e o f the r e a d e r , State t e m p o r a r y d is a b ilit y
la w s w h ich a f f e c t s o m e o f the p la n s c o v e r e d in th is d ig e s t a r e s u m
m a r i z e d in a p p e n d ix A .
A l s o d e s c r ib e d in ap p en d ix A a r e the p r o
v is io n s o f the R a ilr o a d U n em p loy m en t In su ra n ce A c t r e la tin g to t e m
p o r a r y d is a b ilit y b e n e fit s .
T h re e p r e p a id m e d ic a l c a r e p r o g r a m s
u tiliz e d b y tw o o r m o r e o f the s e le c t e d p la n s a re d e s c r ib e d in a p p en
d ix e s B , C, and D; o th e r p r e p a id m e d ic a l c a r e p r o g r a m s a r e r e f e r r e d
to and s u m m a r iz e d in th e a p p r o p r ia te pla n d ig e s t.
D ig e s ts o f e m p lo y e e b e n e fit p la n s a r e p a rt o f the p r o g r a m o f the
Bureau* s D iv is io n o f In d u s tr ia l and L a b o r R e la tio n s , J o s e p h W. B lo ch ,
C h ief. R o b e r t C. J o in e r p r e p a r e d th is d ig e st, u nder the s u p e r v is io n
o f D o ro th y R. K ittn e r and the d ir e c t io n o f D onald M. Lan day.
B e n e fits and c o n tr ib u tio n s f o r r e t ir e d w o r k e r s and
th e ir d ep en d en ts a r e e x c lu d e d fr o m th is e d itio n o f the
d ig e s t b e c a u s e h ealth in s u r a n c e fo r the a g e d u n der S o c ia l
S e c u rity (M e d ic a r e ) b e c a m e e ffe c t iv e on Ju ly 1, 1966.
W hen the in fo r m a t io n f o r th is d ig e s t w a s r e q u e s te d , m o s t
c o m p a n ie s and u n ion s w ith p la n s p r o v id in g h ealth b e n e fits
fo r r e t ir e d w o r k e r s w e r e a d ju stin g th em in the lig h t o f
M e d ic a r e .
A su p p le m e n t to th is d ig e s t, c o v e r in g b e n e
fit s f o r th e s e w o r k e r s (and f o r a c tiv e w o r k e r s o v e r 65),
is pla n n ed f o r la te 1967.
Index (By Industry)
M a n u fa ctu rin g
M a n u fa ctu rin g — C on tin u ed
Page
Page
A p p a r e l— C ontinued
F ood
A m e r ic a n S u g a r R e fin in g C o. , T he (B r o o k ly n , N. Y. ) ---------------------L o n g s h o r e m e n 's A s s o c ia t io n
A r m o u r and C o . ------------------------------------------------------------------------------------------M e a t C u tte rs
P a c k in g h o u s e W o r k e r s (U P W A )
B r e w e r s B o a r d o f T r a d e (N ew Y o rk , N. Y. ) ---------------------------------------T ea m sters
C a m p b e ll Soup C o. (C a m d e n , N. J . ) ----------------------------------------------------P a c k in g h o u s e W o r k e r s (U P W A )
D is t ille r y in d u s tr y , v a r io u s e m p l o y e r s -----------------------------------------------D is t ille r y W o r k e r s
G e n e r a l F o o d s C o r p . --------------------------------------------------------------------------------V a r io u s u n ion s
N a tio n a l B is c u it C o. ---------------------------------------------------------------------------------B a k e r y and C o n fe c t io n e r y W o r k e r s ; A m e r ic a n
S w ift and C o . -----------------------------------------------------------------------------------------------M e a t C u tte rs
P a c k in g h o u s e W o r k e r s (U P W A )
P a c k in g h o u s e W o r k e r s (N B P W )
14
D r e s s in d u s tr y , A ffilia t e d D r e s s M fr s . , In c. , and
o th e r e m p lo y e r s (N ew Y o r k , N. Y. ) -----------------------------------------------------L a d ie s ' G a rm e n t W o r k e r s (N ew Y o r k D r e s s J oin t B o a r d )
F u r m a n u fa ctu rin g and r e ta ilin g in d u s tr y , A s s o c ia t e d F u r
M fr s . , In c. , and o th e r e m p lo y e r s (N ew Y o r k , N. Y. ) _____________
M ea t C u tte rs (F u r r ie r s J oin t C o u n cil o f N ew Y o r k )
A m e r ic a n M illin e r y M a n u fa ctu r e rs A s s o c ia t io n (N ew Y o r k , N. Y .)~
H a tte r s , Cap and M illin e r y W o r k e r s
26
Lum ber
22
L u m b e r in d u s tr y , v a r io u s e m p lo y e r s (S ou th ern C a lifo r n ia )_________
C a rp e n te r s
L u m b e r in d u s tr y , v a r io u s e m p lo y e r s (O r e g o n , W a sh in g ton ,
C a lifo r n ia , Idaho, and M o n t a n a )________________ ______________________
W oodw orkers
6
10
18
10
6
18
30
T e x tile
B ig e lo w -S a n fo r d C a r p e t C o. , I n c . --------------------------------------------------------T e x tile W o r k e r s (T W U A )
C on e M ills C o r p . ---------------------------------------------------------------------------------------T e x tile W o r k e r s * (T W U A )
W y an dotte W o r s t e d C o . ------------------------------------- ------- -----------------------------T e x tile W o r k e r s (T W U A )
A m e r ic a n Seating C o. (G ra n d R a p id s , M ich . ) __________________________
A u to m o b ile W o r k e r s
F u rn itu r e M fr s . in S ou th ern C a lifo r n ia , In d u s tria l
R e la tio n s C o u n cil o f --------------------------------------------------------------------------------Ca rpen te rs
F u rn itu r e in d u s tr y , v a r io u s e m p l o y e r s --------------------------------------------------F u rn itu r e W o r k e r s
U p h o ls te r in g and a llie d tr a d e s in d u s tr ie s , v a r io u s
e m p lo y e r s --------------------------------------------------------------------------------------------------U p h o ls te r e r s
30
10
14
'
14
C on tin en ta l Can C o. , In c. , R o b e r t G a ir P a p e r P r o d u c ts
G r o u p ----------------------------------------------------------------------------------------------------------P a p e r m a k e r s and P a p e r w o r k e r s
In tern a tion a l P a p e r C o. (N o rth e rn D i v i s i o n ) __________________________
P a p e r m a k e r s and P a p e r w o r k e r s
P u lp , Su lph ite and P a p e r M ill W o r k e r s
W est V ir g in ia P u lp and P a p e r C o. (L u k e, M d. ; C h a r le s to n , S. C. ;
and C ov in g ton ,
V a. ) -------------------------------------------------------------------------P a p e r m a k e r s and P a p e r w o r k e r s
26
18
26
22
P aper
22
A pp arel
C loth in g in d u s tr y , m e n 's and b o y s ', v a r io u s e m p l o y e r s ----------------C loth in g W o r k e r s
34
F u rn itu re
T oba cco
L ig g e tt and M y e r s T o b a c c o C o. , I n c . ---------------------------------------------------T o b a cco W ork ers
P h ilip M o r r i s , I n c . -----------------------------------------------------------------------------------T o b a cco W ork ers
30
26
34
38
34
Index (By Industry)— Continued
M a n u fa ctu rin g — C on tin u e d
M a n u fa ctu rin g — C on tinu ed
Page
Page
L e a th e r P r o d u c ts — C on tinu ed
P r in tin g and P u b lish in g
B ro w n and B ig e lo w (St. P a u l, M i n n . ) -------------------------------------------------B o o k b in d e r s
P r in tin g in d u s tr y , C h ic a g o L it h o g r a p h e r s
A s s o c ia t io n , and o th e r e m p l o y e r s -----------------------------------------------------L it h o g r a p h e r s , L o c a l 4
P u b l i s h e r s ’ A s s o c ia t io n o f N ew Y o rk C it y -----------------------------------------T ypograph ers, L oca l 6
L u g g a g e and le a th e r g o o d s in d u s tr y ,
v a r io u s e m p l o y e r s ---------------------------------------------------------------------------------L e a t h e r G o o d s , P la s t ic and N o v e lty W o r k e r s
M a s s a c h u s e tts L e a th e r M fr s . A s s o c i a t i o n ----------------------------------------L e a th e r W o r k e r s
M ea t C u tters
38
42
50
66
S ton e, C la y , and G la s s
C h e m ic a l
F M C C o r p . (A m e r ic a n V i s c o s e D iv is io n ; F ib e r s O p e r a t io n ) --------T e x tile W o r k e r s (T W U A )
D ow C h e m ic a l C o . , T h e -------------------------------------------------------------------------D is t r i c t 50, U n ited M ine W o r k e r s
L e v e r B r o t h e r s C o . ----------------------------------------------------------------------------------C h e m ic a l W o r k e r s
O il, C h e m ic a l and A t o m ic W o r k e r s
46
M in n e s o ta M ining and M a n u fa ctu rin g C o . --------------------------------------------O il, C h e m ic a l and A to m ic W o r k e r s
O w e n s -I llin o is , In c. ---------------------------------------------------------------------------------G la s s B ottle B lo w e r s
P itts b u r g h P la te G la s s C o .----------------------------------------------------------------------G la s s and C e r a m ic W o r k e r s
38
46
54
70
58
50
P r im a r y M etal In d u s tr ie s
P e t r o le u m
S in c la ir O il C o r p . ------------------------------------------------------------------------------------O il, C h e m ic a l and A t o m ic W o r k e r s
S o c o n y M o b il O il C o. , I n c . --------------------------------------------------------------------V a r io u s u nion s
A lu m in u m Co. o f A m e r i c a ----------------------------------------------------------------------A lu m in u m W o r k e r s
S t e e lw o r k e r s
B e th le h e m S teel C o . -------------------------------S t e e lw o r k e r s
C h ase B r a s s and C o p p e r C o. , I n c . ------------------------------------------------------A u to m o b ile W o r k e r s
U nited S tates S te e l C o r p . -------------------------------------------------------------------------S t e e lw o r k e r s
W e ir to n S te e l C o . ---------------------------------------------------------------------------------------In depen dent S t e e lw o r k e r s U nion
54
50
R u b b er
B . F . G o o d r ic h C o. , T h e ------------------------------------------------------------------------R ubber W ork ers
F ir e s t o n e T ir e and R u b b e r C o. , T h e --------------------------------------------------R ubber W ork ers
U nited S tates R u b b e r C o . ------------------------------------------------------------------------R ubber W ork ers
42
46
62
66
66
58
F a b r ic a t e d M etal P r o d u c ts
58
A m e r ic a n Can C o . -------------------------------------------------------------------------------------S t e e lw o r k e r s
A m e r ic a n R a d ia to r and Stan dard S a n ita ry
C o r p . (L o u is v ille , K y. ) ------------------------------------------------------------------------S tan dard A llie d T r a d e s C o u n cil
C a lifo r n ia M etal T r a d e s A s s o c i a t i o n ---------------------------------------------------V a r io u s unions
C on tin en ta l Can C o . , I n c . ------------------------------------------------------------------------S t e e lw o r k e r s
L e a th e r P r o d u c ts
F lo r s h e im Sh oe C o. , T h e -----------------------------------------------------------------------U n ited Sh oe W o r k e r s
In tern a tion a l S h oe C o . ____________________________________________________
U n ited Shoe W o r k e r s
62
62
62
vi
74
58
70
54
Index (By Industry)— Continued
M a n u fa ctu rin g — C on tin u ed
M a n u fa ctu rin g — C ontinued
Page
Page
O th er M an u fa ctu rin g-— C on tin u ed
M a c h in e r y (e x c e p t e l e c t r i c a l )
C a t e r p illa r T r a c t o r C o . ----------------------------------------------------------------A u to m o b ile W o r k e r s
D e e r e and C o .
---------------------------------------------------------------------------------A u t o m o b ile W o r k e r s
In te r n a tio n a l H a r v e s t e r C o. ---------------------------------------------------------A u t o m o b ile W o r k e r s
S p e r r y G y r o s c o p e C o . (D iv is io n o f
S p e r r y Rand C o r p . ) ----------------------------------------------------------------------------E l e c t r i c a l (IUE)
V a r io u s e m p lo y e r s , St. L o u is , M o. , a r e a
-----------------------------------M a c h in is ts , D is t r i c t 9
78
110
70
90
98
N on m a n u fa ctu rin g
E l e c t r i c a l M a c h in e r y
M in in g
R a d io C o r p . o f A m e r i c a ----------------------------------------------------------------E l e c t r i c a l (IUE)
E l e c t r i c a l (IB E W )
W e s tin g h o u s e E l e c t r i c C o r p . ------------------------------------------------------E l e c t r i c a l (IUE)
74
C o a l in d u s tr y (b itu m in o u s ), v a r io u s e m p lo y e r s
--------------------------- 110
U nited M in e W o r k e r s
K e n n e co tt C o p p e r C o r p . (W e s te r n M in in g D iv is io n s ) -------------------- 90
V a r io u s u n ion s
P a n A m e r ic a n P e t r o le u m C o r p .
------------------------------------------------------- 102
V a r io u s u nion s
78
T r a n s p o r t a t io n E q u ip m en t
F o r d M o t o r C o . -------------------------------------------------------------------------------A u t o m o b ile W o r k e r s
G e n e r a l M o t o r s C o r p . --------------------------------------------------------------------A u t o m o b ile W o r k e r s
N o r th A m e r i c a n A v ia t io n , In c. ---------------------------------------------------A u t o m o b ile W o r k e r s
P u llm a n In c. (P u llm a n -S ta n d a r d D iv is io n )
----------------------------S t e e lw o r k e r s
82
C o n s tr u c tio n
86
C o n s tr u c tio n in d u s tr y , A s s o c ia t e d G e n e r a l C o n t r a c t o r s
o f A m e r i c a , and o th e r e m p lo y e r s (N o r th e r n C a lifo r n ia ) ------------ 94
C a r p e n te r s
C o n s t r u c tio n in d u s tr y , v a r io u s e m p lo y e r s
(W e s te r n P e n n s y lv a n ia )
--------------------------------------------------------------------- 102
V a r io u s u nion s
P a in t e r s and D e c o r a t o r s o f the C ity o f N ew Y o r k , In c. ,
A s s o c ia t io n o f M a s t e r ------------------------------------------------------------------------- 98
P a in t e r s , D is t r i c t C o u n cil 9
C o n s t r u c tio n in d u s tr y , v a r io u s e m p lo y e r s (N ew Y o r k , N . Y . ) -----142
C a r p e n te r s
78
82
O th er M a n u fa ctu rin g
A r m s t r o n g C o r k C o . ------------------------------------------------------------------------R ubber W ork ers
D o ll and to y in d u s tr y , N a tio n a l A s s o c ia t io n
o f D o ll M fr s . , and o th e r e m p lo y e r s (N ew Y o r k , N. Y. ) _____
T o y and N o v e lty W o r k e r s , L o c a l 223
E lg in N a tion a l W atch C o . ----------------------------------------------------------------W atch W o r k e r s
J o h n s o n and J o h n so n (N ew B r u n s w ic k , N. J. ) ---------------------------T e x t ile W o r k e r s (T W U A )
J e w e lr y in d u s tr y , A s s o c ia t e d J e w e le r s , Inc. , J e w e lr y
C r a fts A s s o c ia t io n , and o th e r e m p lo y e r s (New Y o r k , N. Y. )
J e w e lr y W o r k e r s , L o c a l 1
H o n e y w e ll In c. (M in n e a p o lis , M inn. ) ------------------------------------------T ea m sters
6
98
R a ilr o a d s
102
R a ilr o a d in d u s tr y , v a r io u s e m p lo y e r s ---------------------------------------------- 114
V a r io u s n o n o p e r a tin g r a ilw a y u n ion s
86
L o c a l T r a n s it
94
C h ic a g o T r a n s it A u th o r ity
----------------------------------------------------------------- 118
A m a lg a m a te d T r a n s it
T w in C ity L in e s In c. (M in n e a p o lis , M in n .) ------------------------------------ 122
A m a lg a m a te d T r a n s it
94
v ii
Index (By Industry)— Continued
N o n m a n u fa ctu rin g — C on tin u ed
N on m a n u fa ctu rin g — C on tinu ed
Page
Page
T ru ck in g and W a re h o u s in g
R e ta il and W h o le sa le T r a d e — C on tin u ed
N a tion al A u to m o b ile T r a n s p o r t e r s A s s o c ia t io n ------------------------- ------ 114
T e a m s t e r s (N a tion a l T ru ck a w a y and D r iv e a w a y C o n fe r e n c e )
T ru ck in g in d u s tr y , lo c a l c a r ta g e and o v e r - t h e - r o a d fr e ig h t ,
v a r io u s a s s o c ia t io n s and in d iv id u a l e m p lo y e r s , C e n tr a l
S ta tes, S ou th ea st and S ou th w est a r e a s ---------------------------------------------- 102
T eam sters
T r u c k O w n ers A s s o c ia t io n o f C a lifo r n ia --------------------------------------------- 106
T ea m sters
R e s ta u ra n t in d u s tr y , v a r io u s e m p lo y e r s
(N ew Y o r k , N. Y . ) -------------------------------------------------------------------------------H otel and R esta u ra n t E m p lo y e e s , L o c a l 89
R e ta il tra d e in d u s tr y , v a r io u s e m p lo y e r s
(N ew Y o r k , N . Y. ) -------------------------------------------------------------------------------R e ta il C le rk s
R e ta il, w h o le s a le , and w a r e h o u s e in d u s t r ie s ,
v a r io u s e m p lo y e r s (N ew Y o r k , N . Y . )
------------------------------------------R e t a il, W h o le s a le and D e p a r tm e n t S t o r e U n ion ,
D is t r ic t 65 (65 S e c u r ity P la n )
W ater T r a n s p o r ta tio n
M a r itim e in d u s tr y , v a r io u s e m p lo y e r s ,
A tla n tic and G u lf C o a s ts
---------------------------------------------------------------------M a r in e E n g in e e r s
M a r itim e in d u s tr y , v a r io u s e m p lo y e r s ,
A tla n tic and G u lf C o a s ts
---------------------------------------------------------------------M a r itim e U nion
M a r itim e in d u s tr y , v a r io u s e m p lo y e r s ,
A tla n tic and G u lf C o a s ts
---------------------------------------------------------------------S e a fa r e r s
N ew Y o r k Sh ipping A s s o c ia t io n , In c.
-------------------------------------------------L o n g s h o r e m e n 's A s s o c ia t io n
P a c i f i c M a r itim e A s s o c ia t io n ---------------------------------------------------------------L o n g s h o r e m e n 's and W a r e h o u s e m e n 's U nion
138
122
In su ra n c e and R e a l E sta te
P r u d e n tia l In su ra n ce C o . o f A m e r i c a , T h e -----------------------------------In su ra n ce W o r k e r s
R e a lty A d v is o r y B o a rd o f L a b o r R e la tio n s , In c.
(N ew Y o r k , N . Y . ) -------------------------------------------------------------------------------B u ild in g S e r v ic e E m p lo y e e s
126
126
142
142
134
S e r v ic e s
H otel A s s o c ia t io n o f N ew Y o rk C ity , In c. ---------------------------------------N ew Y o r k H otel and M o te l T r a d e s C o u n c il
L a u n d ry in d u str y , v a r io u s e m p lo y e r s
(N ew Y o r k , N . Y . ) -------------------------------------------------------------------------------C loth in g W o r k e rs
122
130
C o m m u n ica tio n s and O th er P u b lic U tilitie s
130
138
Index (Alphabetical)
A m e r ic a n T e le p h o n e and T e le g r a p h C o.
(L o n g L in e s D e p t.)
------------------------------------------------------------------------------- 118
C o m m u n ica tio n s W o r k e r s
D e tr o it E d iso n C o. , T h e ------------------------------------------------------------------------- 110
U tility W o r k e r s
P e n n s y lv a n ia P o w e r and L ig h t C o.
------------------------------------------------------ 118
E m p lo y e e s In depen den t A s s o c ia t io n
A lu m in u m C o. o f A m e r ic a -----------------------------------------------------------------A lu m in u m W o r k e r s
S te e lw o r k e r s
A m e r ic a n Can C o. --------------------------------------------------------------------------------S te e lw o r k e r s
A m e r ic a n M illin e r y M a n u fa c tu r e r s A s s o c ia t io n
(N ew Y o r k , N . Y. ) -------------------------------------------------------------------------------H a tte r s , Cap and M illin e r y W o r k e r s
A m e r ic a n R a d ia to r and Stan dard
S a n ita ry C o r p . ( L o u is v ill e , K y. ) ---------------------------------------------------S tandard A llie d T r a d e s C o u n c il
A m e r ic a n Seating C o. (G ra n d R a p id s , M i c h .) ------------------------------A u to m o b ile W o r k e rs
A m e r ic a n Sugar R e fin in g C o. , T h e (B r o o k ly n , N . Y . ) ----------------- 6
L o n g s h o r e m e n 's A s s o c ia t io n
R e ta il and W h o le s a le T r a d e
D is t r ib u to r s A s s o c ia t io n
------------------------------------------------------------------------ 106
L o n g s h o r e m e n 's and W a r e h o u s e m e n 's U n ion , L o c a ls 6 and 17
D ru g in d u s tr y , r e t a il, v a r io u s a s s o c ia t io n s and
e m p lo y e r s (N ew Y o r k , N. Y . ) -------------------------------------------------------------- 134
R e t a il, W h o le s a le , and D e p a rtm e n t S to re U n ion , L o c a l 1199
134
v iii
62
74
10
58
26
Index (Alphabetical)— Continued
Page
P ag e
A m e r ic a n T e le p h o n e and T e le g r a p h C o. (L o n g L in es D e p t .) ---------- 118
C o m m u n ic a tio n s W o r k e r s
A r m o u r and C o . -------------------------------------------------------------------------------------10
M e a t C u tte rs
P a c k in g h o u s e W o r k e r s (U P W A )
A rm stro n g C ork C o.
---------------------------------------------------------------------------6
R ubber W o rk e rs
B e th le h e m S te e l C o .
----------------------------------------------------------------------------- 46
S t e e lw o r k e r s
B ig e lo w -S a n fo r d C a r p e t C o . , In c. ------------------------------------------------------30
T e x tile W o r k e r s (T W U A )
B r e w e r s B o a r d o f T r a d e (N ew Y o r k , N . Y . ) -----------------------------------18
T ea m sters
B r o w n and B ig e lo w (St. P a u l, M inn. ) -----------------------------------------------38
B o o k b in d e r s
C a lifo r n ia M e ta l T r a d e s A s s o c ia t io n ------------------------------------------------70
V a r io u s u n ion s
14
C a m p b e ll Soup C o . (C a m d e n , N . J . ) -------------------------- -----------------------P a c k in g h o u s e W o r k e r s (U P W A )
C a t e r p illa r T r a c t o r C o . -----------------------------------------------------------------------78
A u to m o b ile W o r k e r s
C h a s e B r a s s and C o p p e r C o . , In c. ---------------------------------------------------62
A u to m o b ile W o r k e r s
C h ic a g o T r a n s it A u th o r ity
------------------------------------------------------------------- 118
A m a lg a m a t e d T r a n s it
C lo th in g in d u s tr y , m e n ’ s and b o y s ', v a r io u s e m p lo y e r s ---------------26
C lo th in g W o r k e r s
C o a l in d u s tr y (b itu m in o u s ), v a r io u s e m p lo y e r s ------------------------------ 110
U nited M in e W o r k e r s
C on e M ills C o r p . -------------------------------------------------------------------------------------14
T e x t ile W o r k e r s (T W U A )
C o n s t r u c tio n in d u s tr y , A s s o c ia t e d G e n e r a l C o n tr a c to r s o f
A m e r i c a , and o t h e r e m p lo y e r s (N o rth e rn C a lifo r n ia ) -------------------94
C a r p e n te r s
C o n s t r u c tio n in d u s tr y , v a r io u s e m p lo y e r s
(N ew Y o r k , N . Y . )
C a r p e n te r s
C o n s t r u c tio n in d u s tr y , v a r io u s e m p lo y e r s
(W e s te r n P e n n s y lv a n ia ) ------------------------------------------------------------------------- 102
V a r io u s u n ion s
C on tin en ta l C an C o . , In c. -------------------------------------------------------------------54
S t e e lw o r k e r s
C on tin en ta l Can C o . , In c. , R o b e r t G a ir P a p e r
P r o d u c t s G ro u p ------------------------------------------------------------------------------------34
P a p e r m a k e r s and P a p e r w o r k e r s
D e e r e and C o .
----------------------------------------------------------------------------------------- 110
A u to m o b ile W o r k e r s
D e tr o it E d iso n C o . , T h e ----------------------------------------------------------------------U tility W o r k e r s
D is t ille r y in d u str y , v a r io u s e m p lo y e r s -------------------------------------------D is t ille r y W o r k e r s
D is t r ib u to r s A s s o c i a t i o n ----------------------------------------------------------------------L o n g s h o r e m e n 's and W a r e h o u s e m e n 's U nion, L o c a ls 6 and 17
D o ll and to y in d u s tr y , N a tion a l A s s o c ia t io n o f D o ll
M f r s . , and o th e r e m p lo y e r s (N ew Y o r k , N. Y . ) -------------------------T o y and N o v e lty W o r k e r s , L o c a l 22 3
D ow C h e m ic a l C o . , T h e ------------------------------------------------------------------------D is t r ic t 50, U nited M ine W o r k e r s
D r e s s in d u s tr y , A ffilia t e d D r e s s M fr s . , In c. , and
o th e r e m p lo y e r s (N ew Y o rk , N. Y . ) -----------------------------------------------L a d ie s ' G a rm en t W o r k e r s (N ew Y o r k D r e s s Joint B o a rd )
D ru g in d u s tr y , r e t a il, v a r io u s a s s o c ia t io n s and
e m p lo y e r s (N ew Y o r k , N. Y . ) ------------------------------------------------------------R e t a il, W h o le s a le , and D ep a rtm en t S tore U nion, L o c a l 1199
E lg in N a tion al W atch C o . ----------------------------------------------------------------------W atch W o r k e r s
F ir e s t o n e T ir e and R u b b e r C o . , T h e ------ ------------------------------------------R u bber W ork ers
F lo r s h e im Shoe C o . , T h e ---------------------------------------------------------------------U n ited Shoe W o r k e r s
F M C C o r p . (A m e r ic a n V i s c o s e D iv is io n , F ib e r s O p e r a t io n ) ------T e x t ile W o r k e r s (T W U A )
F o r d M o to r C o . ---------------------------------------------------------------------------------------A u to m o b ile W o r k e r s
F u r m a n u fa ctu rin g and r e ta ilin g in d u str y , A s s o c ia t e d F u r
M fr s . , In c. , and o th e r e m p lo y e r s (N ew Y o rk , N. Y . ) ----------------M eat C u tte rs ( F u r r ie r s Joint C o u n c il o f N ew Y ork )
F u rn itu r e in d u stry , v a r io u s e m p l o y e r s ---------------------------------------------F u rn itu r e W o r k e r s
F u rn itu r e M fr s . in S ou th ern C a lifo r n ia , In d u s tr ia l
R e la tio n s C o u n c il o f -----------------------------------------------------------------------------C a r p e n te r s
G e n e r a l F o o d s142 o r p . -----------------------------------------------------------------------------C
V a r io u s u nion s
G e n e r a l M o to r s C o r p . ----------------------------------------------------------------------------A u to m o b ile W o r k e r s
G o o d r ic h , B . F . , C o . , The -----------------------------------------------------------------R u bber W ork ers
H o n e y w e ll In c. (M in n e a p o lis , M inn. ) ------------------------------------------------T ea m sters
H otel A s s o c ia t io n o f N ew Y o r k C ity , In c. ----------------------------------------N ew Y o r k H otel and M o te l T r a d e s C o u n cil
In te rn a tio n a l H a r v e s te r C o . -----------------------------------------------------------------A u to m o b ile W o r k e r s
ix
110
26
106
98
46
30
134
102
58
62
38
82
34
26
18
22
86
42
94
130
70
Index (Alphabetical)
Page
In tern a tion a l P a p e r C o.
(N o r th e rn D iv is io n )
------------------------------------------------------------------------------P a p e r m a k e r s and P a p e r w o r k e r s
P u lp , Su lph ite and P a p e r M ill W o r k e r s
In tern a tion a l Sh oe C o . ------- ----------------------------------------------------------------------U nited Shoe W o r k e r s
J e w e lr y in d u s tr y , A s s o c ia t e d J e w e le r s , In c. ,
J e w e lr y C r a fts A s s o c ia t io n , and o th e r
e m p lo y e r s (N ew Y o r k , N. Y . )
J e w e lr y W o r k e r s , L o c a l 1
J oh n son and J oh n son (N ew B r u n s w ic k , N . J . ) -----------------------------------T e x tile W o r k e r s (T W U A )
K e n n e co tt C o p p e r C o r p .
(W e s te r n M in in g D iv is io n s ) ----------------------------------------------------------------V a r io u s u n ion s
L au n d ry in d u s tr y , v a r io u s e m p lo y e r s
(N ew Y o r k , N. Y .)
C loth in g W o r k e r s
38
62
94
86
90
138
C h e m ic a l W o r k e r s
O il, C h e m ic a l and A t o m ic W o r k e r s
L ig g e tt and M y e r s T o b a c c o C o. , In c. ------------------------------------------------18
T o b a cco W ork ers
L u gg a g e and le a th e r g o o d s in d u s tr y , v a r io u s
e m p lo y e r s -----------------------------------------------------------------------------------------------46
L e a th e r G o o d s , P la s t ic and N o v e lty W o r k e r s
L u m b e r in d u s tr y , v a r io u s e m p lo y e r s
(S ou th ern C a lifo r n ia ) ------------------------------------------------------------------------------14
C a r p e n te r s
L u m b e r in d u s tr y , v a r io u s e m p lo y e r s
(O r e g o n , W a sh in g ton , C a lifo r n ia , Ida h o,
and M ontana) ------------------------------------------------------------------------------------------6
W oodw orkers
M a r itim e in d u s tr y , v a r io u s e m p lo y e r s ,
A tla n tic and G u lf C o a s ts ----------------------------------------------------------------------- 126
M a r in e E n g in e e r s
M a r itim e in d u s tr y , v a r io u s e m p lo y e r s ,
A tla n tic and G u lf C o a sts ----------------------------------------------------------------------- 126
M a r itim e U nion
M a r itim e in d u s tr y , v a r io u s e m p lo y e r s ,
A tla n tic and G u lf C o a s ts --------------------------------------------------------------------- — 142
S e a fa r e r s
M a ss a c h u s e tts L e a th e r M fr s .
A s s o c ia t io n ----------------------------------------------------------------------------------------------66
L e a th e r W o r k e r s
M ea t C u tte rs
Continued
Page
70
M in n e s o ta M ining and M a n u fa ctu rin g C o . -----------------------------------------O il, C h e m ica l and A t o m ic W o r k e r s
N a tion a l A u to m o b ile T r a n s p o r t e r s A s s o c i a t i o n ------------------------------- H 4
T e a m s t e r s (N a tion al T r u c k a w a y and
D riv e a w a y C o n fe r e n c e )
N a tion a l B is c u it C o. --------------------------------------------------------------------------------10
B a k e r y and C o n fe c t io n e r y W o r k e r s , A m e r ic a n
N ew Y o r k Shipping A s s o c ia t io n , In c.
------------------------------------------------- 122
L o n g s h o r e m e n 's A s s o c ia t io n
N orth A m e r ic a n A v ia tio n , I n c . -----------------------------------------------------------------78
A u to m o b ile W o r k e r s
O w e n s -I llin o is I n c . --------------------------------------------------------------------------------------58
G la s s B ottle B lo w e r s
P a c i f i c M a r itim e A s s o c i a t i o n ----------------------------------------------------------------- 130
L o n g s h o r e m e n 's and W a r e h o u s e m e n 's U n ion
P a in t e r s and D e c o r a t o r s o f the C ity o f N ew Y o r k , In c. ,
A s s o c ia t io n o f M a s t e r -----------------------------------------------------------------------------98
P a in t e r s , D is t r i c t C o u n cil 9
P an A m e r ic a n P e tr o le u m C o r p . ------------------------------------------------------------- 102
V a r io u s unions
P e n n s y lv a n ia P o w e r and L ight C o . ------------------------------------------------------- 118
E m p lo y e e s Independent A s s o c ia t io n
P h ilip M o r r i s , In c. ---------------------------------------------------------------------------------30
T o b a c c o W o r k e rs
P itts b u r g h P la te G la s s C o. --------------------------------------------------------------------50
G la s s and C e r a m ic W o r k e r s
P r in tin g in d u str y , C h ica g o L it h o g r a p h e r s
A s s o c ia t io n , and o th e r e m p lo y e r s ----------------------------------------------------42
L it h o g r a p h e r s , L o c a l 4
P r u d e n tia l In su ra n ce C o . o f A m e r i c a , T h e -------------------------------------- 142
In su ra n c e W o r k e r s
P u b li s h e r s ' A s s o c ia t io n o f N ew Y o r k
C i t y ------------------------------------------------------------------------------------------------------------50
T ypograph ers, L oca l 6
P u llm a n In c. , (P u llm a n -S ta n d a r d
D iv is io n ) ------------------------------------------------------------------------------*-------------------82
S t e e lw o r k e r s
R a d io C o r p . o f A m e r i c a ------------------------------------------------------------------------74
E l e c t r ic a l (IUE)
E l e c t r ic a l (IBE W )
R a ilr o a d in d u str y , v a r io u s
e m p lo y e r s ------------------------------------------------------------------ — --------------------------114
V a r io u s n on op era tin g r a ilw a y u n ion s
R e a lty A d v is o r y B o a r d o f L a b o r R e la tio n s , In c.
(N ew Y o r k , N. Y. ) ------------------------------------------------------------------------------------ 134
B u ild in g S e r v ic e E m p lo y e e s
Index (Alphabetical)— Continued
Page
R e s ta u r a n t in d u s tr y , v a r io u s e m p lo y e r s
(N ew Y o r k , N. Y. ) ---------------------------------------------------------------------------------H otel and R e s ta u r a n t E m p lo y e e s , L o c a l 89
R e t a il tr a d e in d u s tr y , v a r io u s e m p lo y e r s
(N ew Y o r k , N. Y . ) ---------------------------------------------------------------------------------R e ta il C le r k s
R e ta il, W h o le s a le , and w a r e h o u s e in d u s tr ie s , v a r io u s
e m p lo y e r s (N ew Y o r k , N. Y. ) ------------------------------------------------------------R e ta il, W h o le s a le and D ep a rtm en t S tore Union,
D is t r ic t 65 (6 5 S e c u r ity Plan)
S in c la ir O il C o r p . -------------------------------------------------------------------------------------O il, C h e m ic a l and A t o m ic W o r k e r s
So co n y M o b il O il C o. , In c. --------------------------------------------------------------------V a r io u s u n ion s
S p e r r y G y r o s c o p e Co.
(D iv is io n o f S p e r r y R and C o rp . ) --------------------------------------------------------E l e c t r i c a l (IU E)
S w ift and C o. ---------------------------------------------------------------------------------------------M ea t C u tte rs
P a c k in g h o u s e W o r k e r s (U P W A )
P a c k in g h o u s e W o r k e r s (N B P W )
T r u c k O w n e rs A s s o c ia t io n
o f C a lifo r n ia --------------------------------------------------------------------------------------------T ea m sters
P age
T r u c k in g in d u stry , lo c a l c a r ta g e and o v e r - t h e - r o a d fr e ig h t,
v a r io u s a s s o c ia t io n s and in d iv id u a l e m p lo y e r s ,
C e n tra l S tates, S ou th ea st and
Sou th w est a r e a s ------------------------------------------------------------------------------------T ea m sters
Tw in C ity L in e s Inc. (M in n e a p o lis , M in n .) -------------------------------------A m a lg a m a te d T r a n s it
U nited S tates R u b b er Co. ----------------------------------------------------------------------R u b b er W o r k e r s
U nited S tates S teel C orp . ----------------------------------------------------------------------S t e e lw o r k e r s
U p h o ls te rin g and a llie d tr a d e s in d u s tr ie s , v a r io u s e m p l o y e r s -----U p h o ls te r e r s
V a r io u s e m p lo y e r s , St. L o u is , M o. , a r e a ---------------------------------------M a c h in is ts , D is t r ic t 9
W e ir to n S te e l Co. ------------------------------------------------------------------------------------In depen dent S t e e lw o r k e r s U nion
W est V ir g in ia P u lp and P a p e r Co.
(L u k e, Md. ; C h a r le s to n , S. C. ; and C ov in gton , W. Va. ) -------------P a p e r m a k e r s and P a p e r w o r k e r s
W estin g h ou se E l e c t r ic C o r p . -----------------------------------------------------------------E l e c t r ic a l (IUE)
W yandotte W o r s te d C o .----------------------------------------------------------------------------T e x tile W o r k e r s (T W U A )
134
138
122
54
50
90
6
106
xi
102
122
58
66
22
98
66
34
78
22
Digest of 100 Selected Health and Insurance Plans Under Collective Bargaining, Early 1966
E x p la n a to r y N otes
V a r ia tio n s W ithin P la n s
A lth ou g h the t e r m s and p r o v is io n s o f the d ig e s t o f h ealth and
in s u r a n c e p la n s u s e d in th is r e p o r t a re g e n e r a lly s e lf-e x p la n a t o r y ,
s o m e s p e c ia l d e fin it io n s and q u a lific a tio n s w e r e r e q u ir e d . T h e s e a r e
s e t fo r th b e lo w .
It m u s t b e e m p h a s iz e d that a s u m m a r y o f a plan
n e c e s s a r i l y o m its m a n y fe a t u r e s and a d m in istra tiv e d e ta ils w h ich a r e
e m b o d ie d in the a g r e e m e n ts and in su r a n ce p o lic ie s g o v e r n in g the o p
e r a tio n o f the p la n , and w h ich m a y be n e c e s s a r y in m a k in g c o m p a r i
son s o f b e n e fit s p r o v id e d u n d er d iffe r e n t p la n s. F o r e x a m p le , s o m e
o f the p la n s that g ra d u a te b e n e fit am oun ts a c c o r d in g to w a g e r a te s o r
b a s ic e a r n in g s d e t e r m in e the b e n e fit by the w age ra te in e ffe c t at the
b e g in n in g o f the in s u r a n c e a g r e e m e n t. U nder th ese p la n s , the am oun t
o f an e m p lo y e e 's in s u r a n c e in c r e a s e s on ly if he is p r o m o te d to a jo b
c la s s that fa lls w ith in a h ig h e r in su r a n ce g ro u p ; a g e n e r a l w ag e in
c r e a s e d o e s n ot in c r e a s e h is c o v e r a g e .
U nder o th e r p la n s , any in
c r e a s e a w o r k e r r e c e i v e s m a y a ffe c t h is in su ra n ce c o v e r a g e . T h e s e
d iff e r e n c e s a r e n ot sh ow n in the plan s u m m a r ie s .
A lth ou gh a s in g le p r o g r a m m a y b e in e f f e c t th rou g h ou t the v a r i
ou s p la n ts o r c o m p a n ie s c o v e r e d b y a m u ltip la n t o r m u lt ie m p lo y e r
p r o g r a m , v a r ia t io n s in s o m e b e n e fits m a y o c c u r b e tw e e n p la n ts o r
c o m p a n ie s .
A c o m m o n e x a m p le o f th is v a r ia t io n is that r e la tin g to
h o s p ita l, s u r g ic a l, and m e d ic a l b e n e fits p r o v id e d th rou g h B lu e C r o s s
and B lu e S h ield p r o g r a m s . B e n e fit s u n d er th e s e p r o g r a m s g e n e r a lly
v a r y fr o m lo c a lit y to lo c a lit y . W h ere v a r ia t io n s in b e n e fit s a re known
to e x is t u n d er a p a r t ic u la r m u ltip la n t o r m u lt ie m p lo y e r plan, the p r o
v is io n s c o v e r in g the la r g e s t g ro u p o f w o r k e r s u n d er the c o lle c t iv e ly
b a rg a in e d p r o g r a m a r e d e s c r ib e d .
In a d d ition to the b a s ic b e n e fit p r o v id e d u n d er a p la n , an a d d i
tio n a l o r a m o r e l ib e r a l b e n e fit m a y be m a d e a v a ila b le to the e m
p lo y e e on a c o n t r ib u t o r y b a s is o r at h is ow n c o s t .
A v a ila b ility o f
th is a d d itio n a l in s u r a n c e is in d ic a te d b y fo o tn o te r e f e r e n c e .
In d iv id u a ls to W h om the B e n e fits A p p ly
P la n s U n der C o l le c t iv e B a rg a in in g
E x c e p t as in d ic a te d , life in s u r a n c e (o r death b e n e fit s ) and a c c i
den tal death and d is m e m b e r m e n t in s u r a n c e a r e a v a ila b le o n ly to a ctiv e
e m p lo y e e s .
A c c id e n t and s ic k n e s s in s u r a n ce b e n e fits a r e a v a ila b le
on ly to a c tiv e e m p lo y e e s .
T h e a v a ila b ilit y o f h o s p it a l, s u r g ic a l and
m e d ic a l b e n e fits to the a c tiv e e m p lo y e e and h is d ep en d en ts is in d ica ted
in the a p p r o p r ia te s e c tio n s o f the plan d ig e s t . D ep en d en ts in clu d e the
w o r k e r ’ s sp o u s e and h is (o r h e r) u n m a r r ie d c h ild r e n u n d er a s p e c ifie d
a g e , u s u a lly 19 y e a r s .
O c c a s io n a lly , the age lim it is ex ten d ed fo r
u n m a r r ie d c h ild r e n w ho a r e stu d en ts o r w ho a r e to ta lly and p e r m a
n ently d is a b le d .
F o r p u r p o s e s o f th is stud y, plan s u n der c o lle c t iv e b a rg a in in g
in clu d e (1) th o s e e s t a b lis h e d f o r the f i r s t tim e as a r e s u lt o f c o lle c t iv e
b a rg a in in g , and (2) th o s e o r ig in a lly e s ta b lis h e d by e ith e r the e m p lo y e r
o r the u n ion , but s in c e b r o u g h t w ith in the s c o p e of the a g r e e m e n t, at
le a s t to the e x ten t that the a g r e e m e n t e s ta b lis h e s e m p lo y e r r e s p o n
s ib ilit y to con tin u e to p r o v id e c e r t a in b e n e fits .
A lth ou g h th e s e p la n s a r e under c o lle c t iv e b a rg a in in g , as d e fin e d
a b o v e , th ey a r e n ot n e c e s s a r i l y lim ite d in a p p lic a tio n to e m p lo y e e s
c o v e r e d b y c o l l e c t i v e b a r g a in in g a g r e e m e n ts .
In c o m p a n ie s w h e r e
m o r e than on e u n ion r e p r e s e n t s e m p lo y e e s u n der the sa m e plan, the
u n ion o r u n ion s id e n tifie d in the plan d ig e s t a cco u n ts f o r a la r g e p r o
p o r t io n but n ot n e c e s s a r i l y a ll o r a m a jo r it y o f the w o r k e r s u n d er
c o l l e c t i v e b a r g a in in g a g r e e m e n t s .
R a tes and E a rn in g s
The c la s s in te r v a ls by w h ich r a te s and e a r n in g s a r e show n in the
d ig e s t in clu d e the lo w e s t fig u r e in the c la s s in te r v a l and ex clu d e the
h ig h e st. F o r e x a m p le , " $ 2 .4 0 to $2. 65" sh ou ld be in te r p r e te d to m ean
a ll h o u r ly r a te s fr o m and in clu d in g $ 2 .4 0 up to but e x clu d in g $ 2 .6 5 .
S y m b o ls
x
—
C a s e s C o v e r e d — O cc u p a tio n a l o r N o n o cc u p a tio n a l
W hen u s e d in the d ig e s t , this s y m b o l m ea n s that the c o lu m n
is a p p lic a b le o r that the b e n e fit is p r o v id e d u n d er the p r o
g ra m .
F o r ea ch p la n , the d ig e s t sh ow s the ty p e s o f c o v e r a g e (n on
o c cu p a tio n a l a n d /o r o c cu p a tio n a l) f o r w h ich a c c id e n ta l death and d i s
m e m b e r m e n t in s u r a n c e and a c c id e n t and s ic k n e s s b e n e fits a r e p a ya b le.
H o s p ita l, s u r g ic a l, and m e d ic a l b e n e fit s , e x c e p t w h e r e in d ic a te d , a r e
a v a ila b le on ly fo r n o n o c cu p a tio n a l ( o f f - t h e - jo b ) d is a b ilit ie s .
W hen u s e d in the d ig e s t , th is s y m b o l m ea n s that the c o lu m n
is n ot a p p lic a b le o r that the b e n e fit is n ot p r o v id e d u n d er
the p r o g r a m .
1
2
E lig ib ility R e q u ir e m e n ts
T h is te r m a p p lie s to r e q u ir e m e n t s w h ich a new e m p lo y e e m u st
fu lfill in o r d e r to be c o v e r e d by the plan o r to b e c o m e e lig ib le to
p a r tic ip a te in the p r o g r a m .
A lth ou g h the e m p lo y e e g e n e r a lly b e c o m e s
e lig ib le to r e c e iv e b e n e fits upon q u a lify in g f o r plan c o v e r a g e , fu rth e r
r e q u ir e m e n ts m a y be stip u la ted fo r s p e c ifi c b e n e fit s , e. g. , w e e k ly
a c c id e n t and s ic k n e s s b e n e fits . Such a d d itio n a l r e q u ir e m e n t s a r e n oted
w h ere a p p lic a b le . H o w e v e r , the p e r io d an e m p lo y e e m u st be in s u r e d
in o r d e r f o r the e m p lo y e e o r h is sp o u s e to be e lig ib le f o r m a te r n ity
b en e fits is not sh ow n u n le s s it is in e x c e s s o f 9 m on th s.
In th ose States w ith te m p o r a r y d is a b ilit y in s u r a n ce p r o g r a m s , 1
w o r k e r s in s u r e d by p r iv a te plan s a r e e lig ib le fo r d is a b ilit y c a s h b e n
e fits as so o n as th ey q u a lify u n der the State la w , ir r e s p e c t iv e o f the
p r iv a te plan e lig ib ilit y r e q u ir e m e n t s .
T h e s e p a y m en ts m a y be p r o
v id ed u n d er the p r iv a te plan th rou gh m o d ific a tio n o f its e lig ib ilit y
ru le s o r fr o m the State plan until the w o r k e r b e c o m e s e lig ib le u n der
the p r iv a te p la n . In a d d ition , so m e plans m a y not a p p e a r to c o m p ly
w ith sta tu to ry r e q u ir e m e n t s as r e g a r d s e lig ib ilit y r e q u ir e m e n t s ; in
th ese c a s e s , h o w e v e r , they n eed n ot do so in a s m u ch as the p r iv a te
plan b e n e fits a r e in a d d ition to th ose p r e s c r i b e d by the State law .
Im m e d ia te ly o r f i r s t o f fo llo w in g m o n th .
T h is te r m is u se d to
in d ica te the e lig ib ilit y r e q u ir e m e n t s u n der w h ich an e m p lo y e e b e c o m e s
e lig ib le to p a r t ic ip a te in the p r o g r a m not la te r than the f ir s t o f the
m onth fo llo w in g date o f e m p lo y m e n t.
C o v e r e d e m p lo y m e n t m e a n s
trib u tin g to the plan (fund).
e m p lo y m e n t
by
an
e m p lo y e r
con
L ife In su ra n c e
In a d d ition to the b a s ic life in su r a n ce b e n e fit p r o v id e d u n d er
a pla n , s p e c ifie d a d d ition a l a m ou n ts a r e s o m e tim e s m a d e a v a ila b le
as p a rt o f the n e g o tia te d plan to the e m p lo y e e on a c o n t r ib u t o r y b a s is
o r at h is ow n c o s t . A v a ila b ilit y o f this a d d itio n a l c o v e r a g e is in d ic a te d
in a fo o tn o te as "A d d itio n a l in s u r a n ce p r o v id e d on a c o n t r ib u t o r y
b a s i s " o r "A d d itio n a l in s u r a n ce p r o v id e d at e m p lo y e e 's e x p e n s e ."
If life in s u r a n c e is m a de a v a ila b le b y the c o m p a n y , ou tsid e the
c o lle c t iv e ly b a rg a in e d plan, this is in d ic a te d in a fo o tn o te s im p ly as
"C o m p a n y m a k es a v a ila b le a d d itio n a l in s u r a n c e " o r "C o m p a n y m a k es
a v a ila b le life in s u r a n c e . " A d d itio n a l p r o t e c t io n m a y a ls o be p r o v id e d
by death b e n e fit p r o v is io n s o f p e n s io n p la n s .
T h e se p r o v is io n s a r e
not d e s c r ib e d in th is r e p o r t .
L ife in s u r a n c e b e n e fits f o r depen d en ts o f a c tiv e w o r k e r s and
s p e c ia l b e n e fits f o r s u r v iv o r s o f a c tiv e w o r k e r s a r e a ls o s u m m a r iz e d .
If p e rm a n e n tly and to ta lly d is a b le d .
T h e p r o v i s io n s u m m a r iz e d
in this s e c t io n r e la te s to the d is p o s it io n o f the life in s u r a n c e b e n e fit
if c o v e r a g e u nder the g rou p in s u r a n c e p r o g r a m c e a s e s b e c a u s e o f
te r m in a tio n o f em p lo y m e n t ow ing to p e r m a n e n t and to ta l d is a b ilit y .
P r o v is io n s g o v e rn in g the e x te n s io n o f c o v e r a g e d u rin g a d is a b ilit y
le a v e o f a b s e n ce o r d is a b ilit y r e t ir e m e n t a r e n ot d e s c r ib e d in th is
d ig e s t.
A c c id e n t a l D eath and D is m e m b e r m e n t
D eath and m u lt id is m e m b e r m e n t b e n e f it s .
U n der an a c c id e n ta l
death and d is m e m b e r m e n t p r o v is io n , dea th b e n e fit s a r e p a y a b le in
a d d ition to any life in su r a n ce b e n e fit s w h ich o t h e r w is e m a y be p r o
v id e d u n der the p r o g r a m .
M u lt id is m e m b e r m e n t b e n e fits a r e g e n
e r a lly p a y a b le fo r lo s s o f tw o o r m o r e m e m b e r s .
S in gle d is m e m b e r m e n t.
o r the sigh t o f one e y e .
R e fe r s to the l o s s o f on e h and, on e fo o t ,
A c c id e n t and S ick n e ss
In th is r e p o r t , a c c id e n t and s i c k n e s s in s u r a n c e b e n e fit s a r e
lim ite d to the type o f in su r a n ce u n d er w h ich p r e d e t e r m in e d c a s h p a y
m en ts a r e m ade to c o v e r e d e m p lo y e e s d u rin g p e r io d s o f t e m p o r a r y
d is a b ilit y .
P aid s ic k le a v e plan s a r e n ot in c lu d e d .
In s o m e c a s e s ,
e m p lo y e e s a r e c o v e r e d by both a c c id e n t and s ic k n e s s in s u r a n c e and
paid s ic k le a v e p r o g r a m s .
N o r e f e r e n c e is m a d e to th is fa c t in the
d ig e s t.
H o w e v e r , if no a c c id e n t and s ic k n e s s in s u r a n c e is p r o v id e d
u nder the health and in su r a n ce p la n , but the e m p lo y e e s a r e c o v e r e d
by paid s ic k le a v e , th is fa c t is in d ic a te d b y a fo o tn o te .
In States having te m p o r a r y d is a b ilit y le g is la t io n and in w h ich
a c c id e n t and s ic k n e s s b e n e fits a r e p r o v id e d th rou g h p r iv a te p la n s , the
b e n e fit rig h ts o f e m p lo y e e s u n der the p r iv a te pla n m u st m e e t c e r t a in
m in im u m sta tu tory r e q u ir e m e n t s .
F o r a d e s c r ip t i o n o f th e se r e q u i r e
m en ts s e e a p pen dix A .
A l s o in clu d ed in a p pen dix A is a b r i e f d e s c r ip t i o n o f the a c c i
dent and s ic k n e s s b en e fits p r o v id e d u n d er the R a ilr o a d U n e m p lo y m e n t
In su ra n ce A c t.
Four States— Rhode Island, California, New Jersey, and New York— have enacted statutes
providing protection from loss of wages because of temporary disability arising out of nonoccupational
causes.
The statutes of 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 employers to
arrange for the benefits through insurance companies, a competitive State fund, or by self-insurance.
Rhode Island makes no provision for the substitution of a private plan and therefore does not affect
the qualification requirements of private plans in that State.
For a more complete description of
these plans, see appendix A.
3
H o s p ita liz a tio n
A llo w a n c e s f o r h o s p it a l c a r e a r e g e n e r a lly p r o v id e d on an "u p
t o " b a s is .
T h is m e a n s that the patien t w ill be r e im b u r s e d f o r c h a r g e s
up to the a llo w a n c e sh ow n in the d ig e s t.
In s o m e p la n s , h o w e v e r ,
the fu ll a m ou n t o f the s p e c ifi e d a llo w a n ce is paid i r r e s p e c t iv e o f the
c h a r g e f o r the a c c o m m o d a t io n s u se d o r s e r v ic e s p r o v id e d .
If the
la t t e r type o f b e n e fit is p r o v id e d , it is s o n oted in a fo o tn o te .
S im ila r q u a lific a t io n s ap ply to s u r g ic a l and m e d ic a l c a r e a l lo w
a n c e s and a r e n o te d a c c o r d in g ly .
D a ily b e n e fit o r s e r v i c e .
If the plan p r o v id e s f o r e ith e r "w a r d
o r s e m ip r iv a t e " a c c o m m o d a t io n s , on ly " s e m ip r iv a t e " is e n te r e d as
the b e n e fit a v a ila b le .
In th ose c a s e s w h e r e the plan in d ic a te s that
s e m ip r iv a t e a c c o m m o d a t io n s a r e p r o v id e d but lim its the a llo w a n c e to
a s p e c ifie d c a s h a m ou n t, o n ly the c a s h am oun t is n oted .
G e n e r a lly ,
w h e r e s e m ip r iv a t e r o o m a c c o m m o d a tio n s a r e p r o v id e d , the plan a ls o
s p e c i f i e s an a llo w a n c e to w a r d the c o s t o f a p r iv a te r o o m .
T h is p r o
v is io n is n ot n o te d .
E x tr a a llo w a n c e o r s e r v i c e .
In clu d e s c a s h a llo w a n c e s o r s e r v
i c e s p r o v id e d in a d d itio n to d a ily r o o m and b o a r d b e n e fit s .
If the
pla n p a y s f o r the fu ll c o s t o f a ll o f the s e r v ic e s r e q u ir e d , " fu ll c o s t
o f s e r v i c e s " is e n te r e d in the c o lu m n .
If the plan p a y s f o r fu ll c o s t o f
s p e c if i e d s e r v i c e s o r fu ll c o s t o f c e r t a in s e r v ic e s and p a r tia l c o s t
o f o th e r s p e c if i e d s e r v i c e s , " fu ll c o s t o f s p e c ifie d s e r v i c e s ' is e n
te re d .
A lis tin g o f the s e r v i c e s c o v e r e d often runs to c o n s id e r a b le
len gth a n d , t h e r e f o r e , is n ot r e p r o d u c e d in th ese s u m m a r ie s .
S e r v ic e s p r o v id e d m a y v a r y c o n s id e r a b ly am ong p la n s , but u s u
a lly in clu d e the u se o f o p e r a tin g r o o m and eq u ip m en t, g e n e r a l n u rsin g
c a r e , la b o r a t o r y e x a m in a tio n s c o n s is t e n t w ith the d ia g n o s is fo r w h ich
h o s p it a liz e d , d ru g s and m e d ic a tio n s fo r u se in h o s p it a ls , the a d m in
is t r a t io n o f a n e s t h e t ic , and X - r a y ex a m in a tion s c o n s is t e n t w ith d ia g
n o s is and tr e a tm e n t o f c o n d itio n fo r w h ich h o s p it a liz e d .
E m e r g e n c y o u t-p a tie n t c a r e . R e fe r s to the s e r v ic e o r ca s h b e n
e fit p r o v id e d in the o u t-p a tie n t d ep a rtm en t o f a h o s p ita l.
T o r e c e iv e
th is b e n e fit , tr e a tm e n t u s u a lly m u st be ob ta in ed w ith in a s p e c ifie d
n u m b e r o f h o u r s a ft e r the c a u s e o f the e m e r g e n c y o c c u r s .
H o s p ita l
c o n fin e m e n t is n ot r e q u ir e d .
If s e r v ic e s n e c e s s a r y f o r tr e a tm e n t a r e
p r o v id e d w ith no c o s t lim ita tio n , " r e q u ir e d s e r v ic e s p r o v id e d " is e n
te r e d in th is c o lu m n ; if th e re is a c o s t lim ita tio n on the am oun t o f
s e r v i c e s p r o v id e d , th is is n oted.
In c o m e lim it s fo r s e r v ic e s u r g ic a l and m e d ic a l b e n e fit s .
E x
c e p t w h e r e in d ic a te d , annual in c o m e u n der th is p r o v is io n r e f e r s to
tota l in c o m e o f p e r s o n s c o v e r e d .
I f in c o m e e x c e e d s lim it , a llo w a n ce s
show n in fo llo w in g c o lu m n s a r e p a y a b le .
M e d ic a l c a r e a llo w a n c e s . G e n e r a lly , th ese b e n e fits a r e n ot p a y
a b le f o r tr e a tm e n t r e c e iv e d in c o n n e c t io n w ith o r fo llo w in g an o p e r a
tion .
H o w e v e r , u n der s o m e plan s p r o v id in g fo r in -h o s p it a l m e d ic a l
b e n e fit s , the m a x im u m am ou n t o f m e d ic a l b e n e fits p a y a b le is d e t e r
m in e d a c c o r d in g to a s p e c ifie d fo r m u la if an o p e r a t io n is p e r fo r m e d
du ring the p e r io d .
W h e r e v e r su ch a fo r m u la is in c lu d e d in the plan,
the d e t a ils a r e s e t fo r th in a fo o tn o te .
M a te rn ity P r o v is io n s
H o sp ita l and s u r g ic a l b e n e fits d e s c r ib e d in th is s e c tio n a r e th ose
a v a ila b le f o r n o r m a l d e liv e r y c a s e s .
M e d ic a l b e n e fit s a v a ila b le fo r
p re n a ta l and p o s tn a ta l c a r e o r fo r a d is a b ilit y c a u s e d by p r e g n a n c y
a r e show n in a fo o tn o te .
M o s t p la n s p r o v id e h ig h e r a llo w a n c e s o r
b e n e fits in th o se c a s e s w h e r e o b s t e t r ic a l c o m p lic a t io n s a r is e ; th ese
b e n e fits a r e n ot d e s c r ib e d in th is r e p o r t .
M o s t pla n s pa y m a te r n ity b e n e fits o n ly if the p r e g n a n c y c o m
m e n c e d a ft e r the p e r s o n b e c a m e in s u r e d .
O th er p la n s pay th em on ly
if the p e r s o n had b e e n in s u r e d f o r a s p e c ifie d p e r io d , u s u a lly 9 m on th s.
The w aitin g p e r io d r e q u ir e m e n t s o f p la n s w ith r e q u ir e m e n t s o f m o r e
than 9 m on th s a r e sh ow n in a fo o tn o te .
O ther B e n e fits
T h is s e c t io n in clu d e s th o se b e n e fits p r o v id e d u n d er the plan and
not d e s c r ib e d e ls e w h e r e in the d ig e s t .
O u t -o f-h o s p it a l a llo w a n c e s fo r
a n e s t h e t ic s , X - r a y , e l e c t r o c a r d i o g r a m s , e tc . , w h e r e p r o v id e d , a r e
in clu d e d in th is s e c t io n .
W h e re su ch b e n e fit s a r e p r o v id e d on ly du rin g
h o s p ita l c o n fin e m e n t, th ey a r e n ot show n h e r e b e c a u s e they a r e c o n
s id e r e d p a rt o f the " e x t r a a llo w a n c e o r s e r v i c e s " in the h o s p ita l
s e c tio n .
A s in the h o s p ita l, s u r g ic a l a n d m e d ic a l s e c tio n s o f this
r e p o r t , e x c e p t w h e r e n oted , the a llo w a n ce sh ow n is the m a x im u m
p a y a b le f o r a s p e c ifie d s e r v ic e .
S u r g ic a l and M e d ic a l
L ik e h o s p it a l a llo w a n c e s , a llo w a n ce s show n in the d ig e s t fo r
s u r g ic a l and m e d ic a l c a r e a r e the m a x im u m am ou n ts p r o v id e d .
If
the a llo w a n c e is p a y a b le i r r e s p e c t iv e o f the s u r g e o n 's o r p h y s ic ia n 's
c h a r g e , th is is n oted in a fo o tn o te .
M a jo r m e d ic a l e x p e n s e b e n e fit .
W h e re p r o v id e d , a b r i e f d e
s c r ip t io n o f th is b e n e fit is in clu d e d in th is s e c t io n o f the r e p o r t .
A
"s u p p le m e n ta l m a jo r m e d ic a l e x p e n s e b e n e fit " is in ad d ition to the
b e n e fits p r o v id e d u n der the b a s ic h o s p it a l, s u r g ic a l a n d m e d ic a l s e c
tion s o f a h ea lth and in s u r a n c e p r o g r a m .
A " c o m p r e h e n s iv e m a jo r
4
m e d ic a l e x p e n s e b e n e fit " is p r o v id e d in ste a d o f b a s ic h o s p it a l, s u r
g ic a l a n d m e d ic a l b e n e fits .
The m a x im u m life t im e lim it fo r a c tiv e
e m p lo y e e s and depen d en ts is not a p p lic a b le a ft e r the e m p lo y e e r e t ir e s
fr o m a c tiv e e m p lo y m e n t, u n le s s in d ic a te d in a fo o tn o te .
Owing to
sp a c e lim ita tio n s , m an y a s p e c ts o f th e se p la n s h av e been o m itte d ,
in clu d in g the p r iv ile g e o f having the m a x im u m life t im e lim it r e in s ta te d
upon e v id e n c e o f in s u r a b ility .
a v a ila b le on a c o n t r ib u t o r y b a s is o r at the e m p lo y e e ’ s s o le c o s t , the
m eth od o f fin an cin g has been d e s ig n a te d a s " c o m p a n y " w ith a fo o tn o te
ex p la in in g th is option .
J o in t ly . B en efits fo r the c o v e r e d g r o u p a r e c o n s id e r e d " jo in t ly "
fin a n ced ev en if the e m p lo y e r o r e m p lo y e e pa ys p a rt o f the c o s t o f
on ly one o f the b en efits p r o v id e d and the o th e r b e n e fit s a r e fin a n ce d
s o le ly by the e m p lo y e r o r e m p lo y e e .
F in an cin g
C om pany.
T h is te r m is u se d w hen the e m p lo y e r pa ys the fu ll
c o s t o f a ll b e n e fits fo r the c o v e r e d g ro u p o r w hen the on ly p a ym en t the
e m p lo y e e m a k es is that r e q u ir e d by State t e m p o r a r y d is a b ilit y law .
If the b a sic, b e n e fits a r e co m p a n y fin a n ce d , but a d d itio n a l b e n e fits a r e
A m ou n t e m p lo y e e c o n t r ib u t e s . I n fo r m a tio n is p r o v id e d on ly to
the exten t that d e ta ils a re a v a ila b le . N o a ttem p t w as m a d e to d e t e r
m in e the a ctu a l am ount o f c o n trib u tio n o r c o s t in th o s e c a s e s w h e r e
the p a r t ie s s im p ly stated that the e m p lo y e e pa id the " fu ll c o s t " o r
"b a la n c e o f c o s t . "
Digest o f 100 Selected Health and Insurance Plans
\
Under Collective Bargaining, Early 1966
6
Digest o f Selected Health and Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N
A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T
If permanently and totally disabled
R E Q U IR E M E N T S
(when new
employees become
eligible)
Amount
Before
age—
Maintained
The American
Sugar Refining Co.
(Brooklyn, N. Y. ).
After 3 months'
employment.
Insurance
Service
__________
65
Amount
Cases
covered
Insurance is —
For 1 year.
Paid in—
—
$snn
1 year and over-------- —
Graduated
according to—
Death or
m ultidis
memberment
Single dis
memberment
Nonoccu- Service.
pational;
occupst—
tional.
Same as
life insur-
One - half
of life
insur
ance.
Nonoccu- Earnings.
pational;
occupa
tional.
Same as
life insur
ance; m axi
mum—
$10, 000.
One -half
of life
insur
ance;
m axi
mum—
$ 5 , 000.
Longshoremen's
Association.
March 1966.
Armstrong Cork Co.
Rubber Workers.
Immediately or
1st of following
month.
Annual rate of
earnings
Less than
$ 2 , 701 to
$ 3 , 301 to
$ 3 ,9 0 1 to
$ 4 , 501 to
$ 5 , 101 to
$ 5 , 701 to
$ 6 , 301 to
January 1966.
$ 2 ,7 0 1 ___
$ 3, 301___
$ 3 , 901___
$4 , 501___
$5 , 101___
$5 , 701___
$ 6, 301___
$ 6, 901----
Annual rate of
earnings
Insurance
60
$ 6 , 901 to $ 7 , 501__$ 7 ,2 0 0
$ 7 , 501 to $ 8 , 101__
7,800
8,400
$ 8 ,1 0 1 to $ 8 ,7 0 1 __
9,000
$ 8 ,7 0 1 to $ 9 , 301—
$ 9 , 301 to $ 9 ,9 0 1 —
9, 600
$ 9 , 901 to $10-, 5 0 1 10,200
$10, 501 to $14, 5 0 1 12, 500
$ 2 ,4 0 0
3, 000
3.600
4, 200
4, 800
5 ,400
6, 000
6 .6 0 0
Install
ments.
Insurance
(2)
(M
(M
Swift and Co.
(1)
(M
After 6 months'
employment.
Meat Cutters;
Packinghouse
Workers (UPWA);
Packinghouse
Workers (NBPW).
(7)
February 1966.
Employee
Immediately or
Lumber industry,
1st of following
various employers
month.
(Oregon, Washing
ton, California,
Idaho, and Montana).
$ 4 , 000
Woodworkers.
$500
60
X
—
—
—
—
_
$3, 000
$ 1 ,5 0 0
—
—
Nonoccupational;
occupational.
—
Dependent wife
January 1966.
Dependent children
Age
Insurance
Less than 6 months_
6 months and o v e r __
1
2
$ 1, 800
3
Additional insurance provided on a contributory basis.
If employee becomes permanently and totally disabled prior to age 50, and dies prior to age 55, a minimum of $ 1,000 is paid his beneficiary; if he dies after age 55, a minimum of
is paid.
Effective November 1968: The following 2 additional classes—
Annual rate of
Weekly
earnings
benefit
$ 8 , 101 to $ 8, 701
$80
$ 8, 701 and over
$85
Under Collective Bargaining, Early 1966
A C C ID E N T A N D S IC K N E S S
H O S P I T A L IZ A T I O N
D u ra tio n o f b e n e f it s
B e n e f its be g in
E x te n d e d c o v e ra g e
B a s is of
p a y m e n t p e r—
D a ily
Cases
covered
Am ount
E xcept
P e r io d
A f te r
age—
Nonoccu- $60 per week.
pational.
26 weeks
per d is
ability.
Nonoccu- Annual rate of
pational. earnings
Less than $ 3 ,9 0 1 ---------------------------------------------------$3,901 to $ 4 ,5 0 1 ---------------------------------------------------$4,501 to $ 5 ,1 0 1 ---------------------------------------------------$5,101 to $ 5 ,7 0 1 ---------------------------------------------------$5,701 to $ 6, 3 0 1 ---------------------------------------------------$6,301 to $ 6 ,9 0 1 ---------------------------------------------------$6,901 to $ 7 ,5 0 1 ---------------------------------------------------$7,501 and over-------------------------------------------------------
Weekly 26 weeks
benefit per d is
ability.
$40
45
50
55
60
65
70
75
—
B e n e f its
lim it e d to —
—
A c c id e n t
S ic k n e s s
M a xim u m
b e n e f it
room and
E x tr a a llo w a n c e
D a ily
bo ard
or s e r v ic e
am ount
a llo w a n c e
or
_
D ays
s e r v ic e
E m e rg e n c y
o u t-p a tie n t
c a re b e n e fit
b i li t y
Year
D is a
or s e r v ic e
Employee and dependents
1st day. 8th day.
Semi
private
room.
_
D u r a tio n
70 days.
180
50 per
cent of
cost of
sem iprivate
room.
Employee and dependents
1st day. 8th day.
X
Semi
180 days.
private
room. 4
5
Required
services
provided.
X
Required
services
provided.
X
Full cost of
specified serv
ices for 1st 70
days; 50 percent
of cost for addi
tional 180 days.
Required
services
provided.
4
$100, plus 75
percent of next
$ 1 ,5 0 0 of
charges.6
7
(3)
_
_
_
_
_
_
_
(8)
(8 )
(8 )
(8 )
(8 )
(8 )
(8 )
Nonoccu- $50 per week—
pational. maximum— 70 percent of weekly wage.
26 weeks
per d is
ability.
_
_
Employee and dependents
Semi
private
room.
365 days.
Full cost of
specified serv
ices.
Employee
1st day. 4th day.
Ward
rate.9
180 days.
—
—
Unlimited. Unlimited.
—
X
Dependents
Same as 70 days.
above.
4
5
6
7
8
9
Less liberal benefits are provided if employee does not join contributory plan.
In intensive care facilities, semiprivate room rate plus $10.
Effective November 1968: Full cost of services.
Company makes available life insurance on a contributory basis.
No accident and sickness insurance benefit provided by plan; employees covered by paid sick-leave plan.
Worker pays 1st $ 10 of cost of room for the 1st day of confinement and the 1st $ 2 . 50 of cost for each of the next 9 days of confinement.
Same as
above.
Same as above.
X
—
8
Digest o f Selected Health and Insurance Plans
M E D IC A L
S U R G IC A L
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N — Continued
The American Sugar
Refining Co.
(Brooklyn, N. Y. ).
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F IT S
Allowance
Allowances for—
Most
expensive
operation
Tonsillectomy
Appendec
tomy
Employee and dependents
$300
$45
$ 150
Longshoremen's
Association.
Covers cases
in—
Home
Office
Hospital
Hospital,
office, home,
$ 3 per $ 3 per 1st day, $ 10; 2d
elsewhere.
visit. visit. day, $ 5; thereafter,
$ 3 per day.
Benefits begin
paid for
Number
of days
paid tor
Home:
Home:
Home:
4th visit. 4th visit. 1 per
day;.
Office:
21 per
Office:
Office:
$1,095 per year. 1st visit. 1st visit. year.
Elsewhere
Hos
pital:
70 per
disa
bility.
Maximum
compensation
Home:
$63 per year.
(1
2)
Hospital:
$ 219 per
disability.
(2)
Employee and dependents3
4
Rubber Workers.
$ 350
$70
$218. 75
of visits
Accident
Employee and dependents
March 1966.
Armstrong Cork Co.
Number
Sickness .
Hospital: Hospital: Office:
1st day.
1 per
1st day.
day;
365 per
year.
Employee and dependents
Hospital,
office, home,
elsewhere.
$ 155 per
disability.
$ 5 per day.
1st visit.
1st day.
31 per
disa
bility.
1st day.
1st day.
365 per
disa
bility.
1st visit.
1st visit.
January 1966.
Employee and dependents
Swift and Co.
Meat Cutters:
Packinghouse Workers
(UPWA);
Packinghouse Workers
(NBPW).
$300
Under age 12,
$ 35; over age
12, $60.
$ 150
Employee and dependents
Hospital,
office, home,
elsewhere.
1st day, $ 10;
thereafter, $ 3 per
day.
$ 1, 102 per
disability.
February 1966.
Lumber industry,
various employers
(Oregon, Washington,
California, Idaho,
and Montana).
Employee and dependents
Full cost.
Full cost.
Full cost.
Hospital,
office, home,
Full
elsewhere.
cost.
Employee
Full
cost.
Full cost.
Full cost.
Dependepts
Woodworkers.
January 1966.
1
2
3
4
Unlimited.
Same Same
Same a6 above.
as
as
above. above.
Same as
above.
Same as above. 3d day.
Excludes such benefits as X -ray , anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital.
Plus 1 in-hospital consultation visit per disability, $ 10.
Less liberal benefits are provided if employee does not join contributory plan.
In November 1968, more liberal benefits will become available.
1st day.
See EXPLANATORY NOTES.
35 per
disa
bility.
70 per
disa
bility.
9
Under Collective Bargaining, Early 1966— Continued
F IN A N C IN G
M A T E R N IT Y B E N E F I T S
Hospitalization
Accident and
sickness
Regular
benefits
for 6
weeks.
Daily
benefit
or service
Duration
Surgical
Extra
allowance
or service
O T H E R B E N E F IT S 1
(types and amounts)
Schedule
allowance
for normal
delivery
7 days.
Full cost
of speci
fied serv
ices.
$75
Jointly
Company
Jointly
Employee
X
X
None (company pays full cost).
Supplemental major medical expense benefit— 80 percent of
expenses not covered by other plan benefits incurred during
a 2 -year period which are in excess of $ 100; maximum—
$10, 000 per disability.
$ 300 mater nity alio wan ce.4
X
X
Life insurance, accidental death, and weekly
accident and sickness benefits— none (company
pays full cost).
X -ra y and laboratory examination allowance for care (in
cluding care required because of an accident) in doctor‘ s
office or clinic— $35 during any 12 consecutive months.
Hospital, surgical, and medical— employee
only, $ 1. 05 monthly; employee and one de
pendent, $ 2 . 22; employee and two dependents
or more, $ 3. 14.
Additional accident expenses allowance (for expenses in
curred which are not covered by other plan benefits)— $ 300.
X -ra y and radium therapy treatment in or out of hospital—
$ 150 per disability.
Major medical benefit— full cost: Employee
only, $ 0. 75 monthly; employee and one de
pendent, $ 1 .6 0 ; employee and two dependents
or more, $ 1. 85.
Supplemental major medical expense benefit— 75 percent of
expenses not covered by other plan benefits, incurred during
a 2-year period, which are in excess of $200; maximum—
$ 10, 000 per disability.
Employee and dependents
(5)
Semi
private
room.
365 days. Full cost
of speci
fied se rv
ices.
Amount employee contributes
Diagnostic X -ray and laboratory allowance for nonhospitalized cases— $ 100 per year.
Employee and dependents3
Regular
benefits
for 6
weeks.
Employee's dependents
Employee
Company
Employee and dependents
Semi
private
room.
Benefits for—
$90
X
X
None (company pays full cost).
Polio allowance (in addition to other plan benefits for ex
penses incurred within 3 years of 1st treatment)— $ 5, 000.
Anesthesia allowance for cases in or out of hospital—
greater of 20 percent of benefit payable for operation or $20.
Diagnostic X -ray and laboratory examination allowance for
nonhospitalized cases— $50 for any one accident or for all
sicknesses during any 6-month period.
Supplemental major medical expense benefit— 80 percent of
expenses not covered by other plan benefits, incurred during
a calendar year, which are in excess of $ 100; maximum—
$10,000 during lifetim e.6
Employee and dependents
$ 100 for room, bo ard and
extra se;rvices.
$100
Diagnostic laboratory and X -ra y examination allowance for
nonhospitalized cases— full cost.
See "A mount
employ ee
contributes. "
X
Employee's benefits:
Employer deducts $ 1 5 .4 5 monthly from
employee's earnings.7
Dependents' benefits:
Full cost— one dependent, $ 9 .5 0 ; more than
one dependent, $ 16.
5 No accident and sickness insurance benefit provided by plan; employees covered by paid sick-leave plan.
6 Applicable to workers represented by the Meat Cutters and Packinghouse Workers (NBPW); workers represented by the Packinghouse Workers (UPWA) have the following benefit: 75 percent
of expenses not covered by other plan benefits which are in excess of $500 including basic plan benefits incurred during a 6-month period; maximum— $ 5 ,0 0 0 per disability.
7 Agreements in 1950 provided wage increase of l l!z cents per hour to be solely for purpose of financing health and insurance program.
10
Digest o f Selected Health and Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N
E L IG IB IL T Y
R E Q U IR E M E N T S
(when new
employees become
eligible)
A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T
If permanently and totally disabled
Amount
Before
age—
Maintained
National Biscuit Co.
After 3 months'
employment.
Bakery and Confec
tionery Workers' ,
American.
Meat Cutters;
Packinghouse
Workers (UPWA).
covered
Paid in—
60
Install Nonoccuments . pational.
60
Graduated
according to—
Death or
multidis
memberment
Single dis
memberment
Install
ments .
$ 1,500
$750
After age 65:
At age 65, insurance reduced 2 percent each month to an amount
which varies according to years employee contributed to plan:
For employee having contributed 20 years, insurance reduced to
40 percent (but not less than $ 2 , 000); for each year of contribu
tion less than 20, insurance continued is IV2 percent less than
40 percent, minimum— 25 percent for 10 years of contribution;
for employee who contributed to plan less than 10 years, insur
ance immediately reduced to $ 500.
January 1966.
Armour and Co.
Before age 65:
$ 5 , 000
Amount
Cases
Insurance is —
Age at time of employment
Insurance
Life insurance
and accident and
$ 2 ,7 0 0
sickness benefits; Under 5 5 ..........................................................................................
__
1, 350
55 and over_________ ______________ __ __ ___
After 6 months'
employment.
February 1966.
Other benefits:
1st of month fo l
lowing 6 months'
employment.
American Millinery
Manufacturers
Association. 2
(New York, N. Y. ).
Life insurance:
$500
Union m em ber
ship and either
cumulative m em
bership of not
less than 15 years
with last 2 years
consecutive and
immediately pre
ceding death or 5
years’ union
membership im
mediately p re
ceding death.
Hatters, Cap and
Millinery Workers.
December 1965.
Maternity bene
fits:
Union m em ber
ship and 3 years'
covered employ
ment.
Other benefits:
6 months' union
membership and
covered employ
ment.
1 No accident and sickness benefit provided by plan; workers covered by paid sick-leave plan. After the 7th day of disability, workers receive sick-leave pay plus $ 11 a week ($ 1 less
weekly accident and sickness benefit amount previously provided men).
2 Formerly Millinery industry, Eastern Women’ s Headwear Association, Inc. , and other employers.
than the
11
Under Collective Bargaining, Early 1966
A C C ID E N T A N D S IC K N E S S
H O S P I T A L IZ A T I O N
Duration of benefits
Cases
covered
Amount
Period
Nonoccu- Two-thirds of weekly wage—
pational. maximum— $ 50.
_
(M
26 weeks
per dis
ability.
After
age—
_
Benefits
limited to—
_
Accident
Sickness
Daily
benefit
or
service
C)
(M
n
_
_
Extended coverage
Duration
_
(l )
31 days.
_
n
Days
Daily
amount
Basis of
payment per—
Maximum
room and
board
allowance
Extra allowance
or service
Disa
bility
Emergency
out-patient
care benefit
or service
Employee and dependents
8th day. 8th day.
$ 27
_
Nonoccu- Operators, cutters and blockers— 1st 15 weeks, $45 per 26 weeks
per
pational. week; thereafter, $ 35 per week.
Shipping clerks, slickers, and finishers— 1st 15 weeks, year.
$40 per week; thereafter, $ 35 per week.
Other crafts— $ 35 per week.
Except
_
n
Benefits begin
$837
X
$270
X
$270
Required
services
provided.
Employee and dependents
Semi
private
room.
Full cost of
specified serv
ices.
365 days.
Employee only
1st day. 8th day.
$ 15
31 days.
$465
$65
X
12
Digest o f Selected Health and Insurance Plans
M E D IC A L
S U R G IC A L
C O M P A N Y , U N IO N ,
AND D A TE OF
IN F O R M A T IO N — Continued
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F IT S
Most
expensive
operation
$300
Benefits begin
Covers cases
Tonsillectomy
Appendec
tomy
Employee and dependents
National Biscuit Co.
Bakery and Confec
tionery Workers* ,
Am erican.
Allowance
Allowances for—
$45
$ 150
in—
Hospital,
office, home,
elsewhere.
Home
Office
Hospital
Elsewhere
Maximum
compensation
Sickness
Accident
1st day.
1st day.
1st day.
1st day.
Number
of visits
paid for
Employee and dependents
$ 3 for each day of
confinement.
$ 93 per disa
bility.
31 per
disa
bility.
January 1966.
Employee and dependents
Armour and Co.
Meat Cutters;
Packinghouse Workers
(UPWA).
$ 300
Under age 12,
$ 35; over age
12, $60.
$ 150
Hospital,
office, home,
elsewhere.
$ 100
Hospital,
office, home,
elsewhere.
Employee and dependents
1st visit, $ 10;
thereafter, $ 3 per
visit.
$ 1, 102 per
dis ability.
February 1966.
American Millinery
Manufacturers
Association. 1
3
2
4
(New York, N. Y. ).
Employee only
$250
$50
Employee and dependents
Hatters, Cap and
Millinery Workers.
December 1965.
1
2
3
4
Excludes such benefits as X -ra y , anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital. See EXPLANATORY NOTES.
The following medical benefit is also provided: 1st visit, $10; thereafter, $3 per visit; maximum— $ 1 ,1 0 2 , limited to 1 in-hospital visit per day up to day of delivery.
Formerly Millinery industry, Eastern Women's Headwear Association, Inc. , and other employers.
Payable irrespective of actual charges.
Number
of days
paid for
1 per
day.
13
Under Collective Bargaining, Early 1966-— Continued
F IN A N C IN G
M A T E R N IT Y B E N E F I T S
Hospitalization
Accident and
sickness
Regular
benefits
for 6
weeks.
Regular
benefits
for 6
weeks.
Daily
benefit
or service
Duration
Surgical
Extra
allowance
or service
(types and amounts)
Supplemental major medical expense benefit— 80 percent of
expenses not covered by other plan benefits incurred during
any one disability which are in excess of $ 100; maximum—
$10, 000 per disability.
$75
Employee and dependents
Semi
private
room.
365 days. Full cost
of speci
fied serv
ices.
$90
2
( )
Employee
Company
Employee and dependents
$ 120 for room, board, and
extra services.
Benefits for—
O T H E R B E N E F IT S
Schedule
allowance
for normal
delivery
Jointly
Employee’s dependents
Company
Jointly
Amount employee contributes
Employee
Life insurance before age 65:
$ 2 .4 0 per month. (After age 65,
company pays full cost).
Other benefits:
None (company pays $22. 11 per month).
None (company pays full cost).
Anesthesia allowance for cases in or out of hospital— greater
of 20 percent of benefit payable for operation and $20;
maximum— $60.
Diagnostic X -ray and laboratory allowance for nonhospitalized cases— $50 for any one accident and all sicknesses
during any 6 -month period.
X -ra y and radium therapy allowance for cases in or out of
hospital— $ 300 per year.
Polio allowance (In addition to other plan benefits for
expenses incurred within 3 years of contraction)— $ 5 , 000.
Supplemental major medical expense benefit— 75 percent of
expenses not covered by other plan benefits incurred,
which are in excess of $500; maximum— $ 5 , 000 per
disability.
Employee only
$ 75 maternity allowance.
X -ray , electrocardiograms, and eye examinations for
nonhospitalized cases— full cost.
Deep X -ra y therapy allowance, if in lieu of surgery— $150.
Shock treatment allowance for full course of treatment— $75.
None (company pays 3 percent of weekly
payroll).
14
Digest o f Selected Health and Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N
Campbell Soup Co.
(Camden, N. J . ).
Packinghous e
Workers (UPWA).
E L IG IB IL T Y
R E Q U IR E M E N T S
(when new
employees become
eligible)
If permanently and totally disabled
Amount
Before
age—
60
$ 5, 000
Accident and
sickness benefits;
Immediately or
1st of following
month.
January 1966.
After 3 months'
employment.
After
age 60.
Amount
Cases
covered
Insurance is —
Maintained
X
Paid in—
Graduated
according to—
Death or
m ultidis
memberment
Single dis
memberment
—
—
—
—
—
—
—
—
—
For 1 year.
Other benefits:
After 50 days 1
3
2
employment.
Cone Mills Corp.
A C C I D E N T A L D E A T H A N D D IS M E M B E R M E N T
Textile Workers
(TWUA).
Employee
60
X
—
—
Before, age 65— $ 3, 000
After age 65— $ 1, 000
—
—
Spouse
December 1965.
$500
Children
Attained age
Insurance
14 days to 6 months--------------------- ---------------------------------6 months to 2 y e a rs----------------------------------------------------—__
3 to 4 y e a r s ----------------------------------------------------------------------4 to 5 y e a r s ______________________ ______________________
5 to 19 years ------ ------- ------------------------------------------------Lumber industry,
various employers
(Southern
California).
1st of second
month following
80 hours'
employment.
$ 100
200
300
400
500
$ 1 ,0 0 0
—
—
60
After
age 60.
X
For 1 year.
Nonoccupational;
occupa
tional.
Carpenters.
January 1966.
1 Not payable for 1st day of hospitalization.
2 If surgery is involved, $150 of charges in excess of $15.
3 No accident and sickness insurance benefit provided by plan; employees covered by the California State temporary disability law.
See appendix A.
Same as
life insur
ance.
One -half
of life
insurance.
15
Under Collective Bargaining, Early 1966
H O S P I T A L IZ A T I O N
A C C ID E N T A N D S IC K N E S S
Benefits begin
Duration of benefits
Cases
covered
Amount
Period
Weekly benefit
Nonoccu- Average weekly wage
pational.
$1 5 . 00 to $ 18. 0 0 ................... .......................
$10
and up in increments of $ 1. 50 -----------1
30
to $ 4 7 .5 1 to $50. 0 0 -----------------------------------and up in increments of $ 2. 50-----------1
35
to $ 60. 01 to $63. 0 0 -----------------------------------$63. 01 to $66. 0 0 -----------------------------------36
$66. 01 to $69. 0 0 ...........................................
37
$69. 01 to $73. 5 0 -----------------------------------38
$ 73. 51 to $76. 0 0 ...........................................
39
40
$76. 01 to $79. 0 0 ...........................................
$79. 01 to $ 82. 0 0 ...........................................
41
and up in increments of $ 2. 0 0 --------- —
1
$98. 01 and o v e r -------------------------------------50
26
weeks
per dis
ability.
Except
After
age—
Benefits
limited to—
_
_
Sickness
60
Extended coverage
Duration
Days
Daily
amount
13 weeks 8th day. 8th day.
during
$10
any 12
consecu
tive
(M
months,
if due to
sickness.
_
_
_
_
_
_
(3 )
(3)
(3)
(3 )
(3)
120 days.
Year
Disa
bility
Emergency
out-patient
care benefit
or service
X
Required
services
provided.
X
$ 1502
X
$ 100 plus
85 percent
of next
$4, 000.
Employee and dependents
31 days.
$310
(3)
Basis of
payment per—
Extra allowance
or service
Full cost of
specified serv
ices.
_
(3 )
Maximum
room and
board
allowance
Employee and dependents
8th day. 8th day.
Semi
private
room.
13
weeks
per d is
ability.
Nonoccu- $20 per week.
pational.
Accident
Daily
benefit
or
service
$ 150 of charges
in excess of
$15.
Employee and dependents
Optional plan A
$18
20 days.
80
$20
$ 1 ,9 6 0
85 percent of
1st $4 , 000.
Optional plan B
Same
as
above.
Same as
above.
31
Same as $980
above.
85 percent of
1st $ 2, 000.
X
85 percent
of 1st
$2, 000.
16
Digest o f Selected Health and Insurance Plans
in
C O M P A N Y , U N IO N ,
AND DATE OF
f o r m a t i o n — Continued
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F IT S
Benefits begin
Allowances for—
Most
expensive
operation
Tonsillectomy
Appendec
tomy
Covers cases
in—
Hospital
Employee and dependents
Campbell Soup Co.
(Camden, N .J .) .
Else
where
Maximum
compensation
$4
per
visit.
$50
$5
per
visit.
Packinghouse Workers
(UPWA).
$4 per visit.
$ 186 per 6-month period.
Same as
above.
$300
Number
of visits
paid for
Employee
Hospital.
$ 150
Accident
Disabilities of less than
6 -months' duration: $124
per 6 -month period.
1st day.
1 per
day.
Home and 1st day.
office:
3d day.
1 per
day.
2d day.
January 1966.
Dependents
Disabilities of over 6 months 1 duration: $186
per disability.
Employee and dependents
Cone Mills Corp.
Textile Workers
(TWUA).
$240
$36
$ 120
Employee and dependents
Hospital,
office, home,
elsewhere.
December 1965.
Employee and dependents
Lumber industry,
various employers
(Southern California).
Carpenters.
$750
$75
$2 0 0
Hospital,
office, home,
elsewhere.
Care by licensed physician or surgeon
Employee
$6
per
visit.
$4
per
visit.
$5 per visit.
$300 per 6-month period.
Hospital:
1st day.
January 1966.
Dependents
Same as
above.
$250 per 6-month period.
1st day.
1st day.
1 per
day; 50
per 6 month
period.
Care by chiropractor or Christian Science practitioner
Employee
$4
per
visit.
$4
per
visit.
$4 per visit.
$60 per 6-month period.
Home and 1st day.
office:
3d day.
1 per
day.
Hospital:
1st day.
Dependents
Same as
above.
1
2
3
4
Same as above.
Excludes such benefits as X -ra y , anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital.
Available for expenses in excess of the first $5 incurred within any period of 4 consecutive days.
Except women employees electing maternity coverage (hospitalization and surgical) pay two-thirds of cost of these benefits.
Not payable for 1st day of hospitalization.
1st day.
1st day.
See EXPLANATORY NOTES.
15 per
6 -month
period.
Number
of days
paid for
17
Under Collective Bargaining, Early 1966— Continued
F IN A N C IN G
M A T E R N IT Y B E N E F I T S
Hospitalization
Accident and
sickness
Regular
benefits
for 8
weeks.
Daily
benefit
or service
Surgical
Extra
allowance
or service
Duration
O T H E R B E N E F IT S 1
(types and amounts)
Schedule
allowance
for normal
delivery
Employee
Company
Employee and dependents
Semiprivate
room.
6 days.
Full cost
of serv
ices.
$90
Diagnostic X -ray allowance for nonhospitalized cases—
$75 during any 12-month period. 2
Jointly
Employee's dependents
Company
Jointly
x
(3)
Employee and dependents
$10
31 days.
$ 150 of
$60
charges in
excess of
$ 15.
(4 )
Employee
T
$ 100 for room, board and
extra services.
-----------1
___________I
___________
Dependent
Employee and dependents
$75
------------,----------------1-----$ 100 maternity allowance.
Supplemental major medical expense benefit— 75 percent
of expenses incurred during any one disability which are
in excess of other plan benefits, or $500, whichever is
greater; maximum— $ 5, 000 per disability.
Laboratory and X -ra y examination allowance for non
hospitalized cases— ($50 for any one accident or for all
sickness in any one 6 -month period).
Additional accident expense allowance (for expenses in
excess of those covered by other plan benefits incurred
within 6 months after date of accident)— Employee, $300;
dependents, $150.
Polio allowance (for expenses incurred within 3 years from
date of first treatment; if used, no other plan benefit
available)— $2, 500.
Services in connection with surgery performed in doctors'
offices— $ 25.
Employee
Employee's benefits:
None (company pays full cost). 3
Dependents' benefits:
One-half of cost.
Electrocardiographic and electroencephalographic examina
tions and basal metabolism tests for nonhospitalized cases—
$75 during any 12-months. 2
Regular
benefits
for 6
weeks.
Amount employee contributes
x
Employee's benefits:
None (company pays full cost).
Dependents' benefits:
$ 1. 37 per week.
None (company pays $20 per month for each
employee working or paid for 80 straight-time
hours).
18
Digest o f Selected Health and Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N
Furniture
Manufacturers in
Southern California,
Industrial Relations
Council of.
A C C ID E N T A L D E A T H A N D D I S M E M B E R M E N T
E L IG IB IL T Y
R E Q U IR E M E N T S
permanently and totally disabled
(when new
employees become
eligible)
Amount
Before
age-
60
1,000
After 90 days'
employment.
$
After 3 months'
employment.
Before age 65:
Basic annual pay
cases
covered
Insurance is—
Maintained
x
Paid in
Graduated
according to—
Death or
multidis
memberment
Single dis
memberment
Nonoccupational;
occupa
tional.
Same as life
insurance.
One-half
of life
insur ance.
Nonoccupational;
occupa
tional.
$ 1,500
$750
Carpenters.
January 1966.
Liggett and Myers
Tobacco Co. , Inc,
Less than
$ 2 , 500 to
$ 3 , 000 to
$ 3 , 500 to
$ 4 , 000 to
$ 4 , 500 to
$ 5, 000 to
$ 5 , 500 to
Tobacco Workers.
January 1966.
$ 2 ,5 0 0 __
$ 3, 0 0 0 __
$ 3, 5 0 0 ...
$ 4 , 000 . . .
$ 4 , 500__
$ 5, 0 0 0 __
$ 5, 5 0 0 __
$ 6, 0 0 0 __
Insurance
$ 5 ,0 0 0
6,000
7,000
8,000
9,000
10,000
11,000
12,000
Basic annual pay
Until age 65; then
reduced same as
for active em
ployee at age 65.
Insurance
$ 6, 000 to $ 6 , 5 0 0 ... $
$ 6, 500 to $ 7 , 000__
$ 7, 000 to $ 7 , 5 0 0 ...
$ 7, 500 to $ 8 , 00 0 __
$ 8, 000 to $ 8 , 5 0 0 ...
$ 8, 500 to $ 9 , 000__
$ 9, 000 to $ 9 , 5 0 0 ...
$ 9, 500 to $ 1 0 ,0 0 0 ..
and up in increments
of $ 500 ..
_______
13,000
14,000
15,000
16,000
17,000
18, 000
19, 000
20,000
1, 000
At age 65:
Amount in effect reduced 10 percent and reduced by like
amount on the next 4 succeeding birthdays.
Brewers Board of
Trade (New York,
N. Y. ).
250 days of
employment.
$
6,000
60
x
Teamsters.
February 1966.
No accident and sickness benefit provided by plan; employees covered by the California State temporary disability law.
See appendix A.
Includes amount payable under California State temporary disability law ($12 a day for 20 days).
Virginia Hospital Service Association (Blue Cross plan); employees in other areas covered by different programs. During first year of plan membership, benefits limited to 30 days per year.
19
Under Collective Bargaining, Early 1966
H O S P I T A L IZ A T I O N
A C C ID E N T A N D S IC K N E S S
Benefits begin
Duration of benefits
Cases
covered
Amount
Period
_
(M
Except
_
(M
C)
After
age—
Benefits
limited to—
__
__
(2)
Accident
__
Sickness
Daily
benefit
or
service
Extended coverage
Duration
Days
Daily
amount
Maximum
room and
board
allowance
Basis of
payment per—
Extra allowance
or service
Year
Disa
bility
Emergency
out-patient
care benefit
or service
Optional plan A
__
Employee and dependents
i1)
i1)
n
Private
room.
120 days.
—
—
—
$500
X
—
—
X
$500
Optional plan B
Employee
$ 18
20 days.
11
$ 16
$536
(2)
$ 360 plus 75
percent of next
$ 1,000 of
charge.
—
Dependents
$16
Nonoccu- 50 percent of weekly rate of pay—
pational. maximum— $ 70 per week.
Nonoccu- $ 50 per week.
pational.
13
weeks
per
disa
bility.
__
26
__
weeks
per
disa
bility.
__
__
6th .
work
day.
6th
work
day.
31 days.
$496
$ 280 plus 75
percent of next
$ 1,000 of
charges.
X
Employee and dependents 3
Semi
private
room.
70 days.
Full cost of
specified serv
ices.
X
Required
services
provided.
X
$ 7 . 25
Employee and dependents
1st day. 8th day.
Semi
private
room.
120 days. 180
50 per
cent of
cost of
sem i
private
room.
Full cost of
specified serv
ices for 1st 120
days; 50 per
cent of cost for
additional 180
days.
20
Digest o f Selected Health and Insurance Plans
M E D IC A L
S U R G IC A L
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N —Continued
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F IT S
Allowance
Allowances for—
Most
expensive
operation
Covers cases
in—
Appendec
tomy
Tonsillectomy
Home
Hospital
Office
Optional plan A
Furniture
Manufacturers in
Southern California,
Industrial Relations
Council of.
Complete care provided by Union Medical Clinic
(3)
Optional plan B
Employee
$300
January 1966.
$50
$200
Elsewhere
Sickness
Number
of days
paid for
Number
of visits
paid for
Accident
Optional plan A 2
Employee and dependents
Employee and dependents
Carpenters.
Benefits begin
Maximum
compensation
Hospital,
office, home,
eleswhere.
Unlim Unlimited.
ited.
1st
visit.
1st
visit.
3d visit.
3d visit.
1st day.
1st day.
(4)
Optional plan B
Dependents
Employee only
$225
$37. 50
$ 150
$ 4 . 50 $3 per $ 4 . 50 per visit.
per
visit.
visit.
Liggett and Myers
Tobacco Co. , Inc.
Tobacco Workers.
January 1966.
Individual
coverage,
$ 2, 500; family
$ 4 , 000.
Employee and dependents 5
$270
Under age 12,
$40; over
age 12, $44.
$100
Hospital,
office.
(5)
(5)
$ 4 . 50 per
visit.
$ 225 per disa
bility.
1 per
day.
Employee and dependents 5
1st day, $ 1 1 .2 5 ;
2d day, $ 7. 50 per
day; thereafter,
$ 3. 75 per day.
$348. 75 per
disability.
70 per
year.
(6)
(6 )
Brewers Board of
Trade (New York,
N. Y .) .
Employee and dependents
Optional plan A
Provided by Group Health Insurance, Inc. 8
Teamsters. ,
February 1966.
1
1
1
1
1
Greater Nev' York9
Provided by Health Inisurance Plan of <
Optional plan B
!
1
1
1 Excludes such benefits as X -ra y , anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital.
2
3
4
5
Provided by Union Medical Clinic.
Patient charged $ 6. 50 for each house call if between 8 a. m. and 10 p. m. and $ 7 . 60, if between 10 p. m. and 8 a. m.
Except patient pays $ 1 each time he registers at the clinic for treatment.
Virginia Medical Service Association (Blue Shield plan); employees in other areas covered by different programs.
'
1
1
!
1
n
i1
Provided by H salth Insura]ice Plan of Greaiter New Y ork 9
<
1
1
See EXPLANATORY NOTES.
1
1
21
Under Collective Bargaining, Early 1966— Continued
F IN A N C IN G
M A T E R N IT Y B E N E F I T S
Hospitalization
Accident and
sickness
Daily
benefit
or service
Surgical
Duration
Optional plan A 2
Optional plan B
Employee
$
10
14 days.
$ 100
(types and amounts)
Employee
Company
Polio allowance:
(For expenses in excess of those covered by other plan bene
fits incurred within 2 years of commencement of disability).
Employee and dependents— $ 3, 000.
Unlimited after patient pays $60
—
O T H E R B E N E F IT S
Schedule
allowance
for normal
delivery
Extra
allowance
or service
Benefits for—
Jointly
Employee’s dependents
Company
Jointly
Amount employee contributes
Employee
None (company pays $ 13 per month).
__________________________________________ P l u s ________________________________________
Optional plan A 2
$ 100
Employee and dependents
X -ray and laboratory examination for cases in and out of
hospital— full cost.
Dependent
Physiotherapy treatments for cases in and out of hospital—
full cost.
$100 maternity allowance.
Emergency care allowance if injured more than 45 minutes
away from clinic— $ 250.
Optional plan B
Diagnostic laboratory and X -ray examination allowance for
nonhospitalized cases:
Employee and dependents— $50 per condition.
Additional accident expense allowance—
(For expenses in excess of those covered by other plan bene
fits incurred within 90 days of date of accident).
Employee only— $ 150.
Employee and dependents 6
7
Semi
private
room.
7 days.
Full cost
of speci
fied serv
ices.
$75
Diagnostic X-ray allowance— $50 per year.
Employee's benefits:
None (company pays full cost).
Dependents' benefits:
Full cost.
Employee and dependents
$80 for room, board and
extra services.
Optional
plan A
Provided
by Group
Health In
surance,
Inc. 8
Optional
plan B
Provided
by Health
Insurance
Plan of
Greater
New York.9
Anesthesia allowance for cases in or out of hospital—
20 percent of amount payable for surgical procedure;
minimum— $ 15;
None (company pays $40 per month).
Plus
Optional plan A
Provided by Group Health Insurance, Inc. *
Optional plan B
Provided by Health Insurance Plan of Greater New York.
6 Plus 1 in-hospital consultation visit per disability— $27. 50. For intensive medical care: 1st day, $22. 50; 2d day, $ 15; 3d through 14th day, $7. 50.
7 Virginia Hospital Service and Virginia Medical Service Associations (Blue Cross and Blue Shield plans); employees in other areas covered by different programs. Maternity benefits available
to newly insured after 10 months of coverage.
® See appendix B.
9 See appendix C.
22
Digest o f Selected Health and Insurance Plans
LIFE INSURANCE
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N
General Foods Corp.
Various unions.
ELIGIBILTY
REQUIREMENTS
(w e n w
hn e
em loyees b m
p
eco e
eligible)
Upholstering and
allied trades indus
tries, various
employers.
If p r a e tly a d totally d led
e mn n n
isab
A on
mu t
B re
efo
age—
Insurance 1
Immediately or
1st of following
month.
Annual wage
1st day of month
following 30 days'
employment.
Period of insurance coverage
December 1965.
Less than $ 1,200 ___ ____
__
__
$ 1,200 to $ 1, 700
_
$ 1, 700 to $ 2 , 200 _
_ __ _
_
_____ __ _
$ 2 , 200 to $ 3 , 500 . _
_
_
.
$ 3 , 500 to $ 4 , 500 ___
___ ______ ____________
$ 4 , 500 to $ 5, 500 __________________
_____________
$ 5 , 500 to $ 6 ,5 0 0
$ 6 , 500 to $ 8 , 000 i___
____
___
____
$ 8 , 000 to $ 10, 000
— ___ ___________
$ 10,000 to $ 13,000 _
$ 13,000 to $ 16,000 .
$ 18,000 to $ 2 0 ,0 0 0 ____________ _____ ________
.
$ 2 0 ,0 0 0 to $25, 000 . . .
.
$ 2 5 ,0 0 0 to $ 3 0 ,0 0 0 .
.
~ .
and up to maximum of
January 1966.
Insurance
_
_
_
-
-
_
-
7 2 m o n th s and n v p r
$ 2 ,0 0 0
2, 100
2, 200
2, 300
2,400
2, 500
Amount
Cases
covered
In ra ce is—
su n
Min in d
a ta e
_
$2,0 0 0
3, 000
4 ,0 0 0
6, 000
8, 000
10,000
12, 000
15, 000
18,000
20, 000
26, 000
32,000
40,000
50,000
200,000
Under age 60 when first employed
1st 23 months _
_ __
24 to 36 months
36 to 48 months __
48 to 60 months
_
60 tn 7 2 m o n t h s
Upholsterers.
National plan.
A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T
60 with For 1 year.
6 years'
accu
mulated
cover
age.
P id in
a —
__
Death or
multidis
memberment
Graduated
according t o -
Nonoccu- Earnings.
pational;
occupa
tional.
Same as life
insurance.
$ 2 ,0 0 0
pational.
Single dis
memberment
One-half
of life
insur
ance.
$ 1,000
Age 60 or over when first employed
1st 11 m on th s__ __
___
1 2 t o 36 m o n t h s
_
__
... ~
_
36 months and o v e r __________________________________ _
Wyandotte Worsted
Co.
Textile Workers
(TWUA).
January 1966.
( 6)
Life insurance
and accident and
sickness benefits:
After 6 months'
employment. 7
60
Before age 65:
Service
Other benefits:
After 9 months'
employment.
$250
500
1,000
At age 65:
$250
Less than 9 months _
9 months and o v e r __ __
X
$
1,0 0 0
$500
Insurance
_
__
_
$500
1,000
Term insurance until age 45; beginning with age 45, combination of term and paid-up insurance; amount of term insurance decreases as amount of paid-up insurance increases.
2 No accident and sickness insurance benefit provided by plan; employees covered by paid sick-leave plan, and, after a 6-month waiting period, by a long-term disability benefit plan. Life in
surance reduced during disability by benefits received under latter plan.
3 Not available to employees eligible for coverage under the California State temporary disability law.
4 If age 60 or over when first employed, employee and dependents receive 50 percent of specified benefits during first 36 months of insurance coverage; specified benefits thereafter.
5 During period employee receives hospital benefits under the California State temporary disability law ($ 12 daily for 20 days), daily benefit is $ 6 . This period included in computing maximum
computi
period during which daily plan benefits are payable.
23
Under Collective Bargaining, Early 1966
H O S P I T A L IZ A T I O N
A C C ID E N T A N D S IC K N E S S
Benefits begin
Duration of benefits
Cases
covered
Amount
Period
Daily
benefit
or
service
Except
After
age—
Benefits
limited to—
Accident
Sickness
_
_
_
_
_
_
_
(2)
(2)
(2)
(2)
(2)
(2)
Semi
private
room.
_
_
Duration
Days
Daily
amount
1
(2)
Extended coverage
Nonoccupational.
(3)
Under age 60 when first employed:
52
60 percent of average weekly wage.
weeks
per dis
ability.
1st day. 8th day.
( 3)
(3)
Basis of
payment per—
Extra allowance
or service
Year
Disa
bility
Emergency
out-patient
care benefit
or service
Employee and dependents
120 days. 180
50 per
cent of
cost of
sem i
private
room.
i
X
Full cost of
services for 1st
120 days; 50
percent of cost
for additional
180 days.
Required
services
provided.
Employee4
$18
(5)
Age 60 or over when first emp!toyed:
26
30 percent of average weekly wage during 1st 36 months
weeks
of insurance coverage; 60 percent thereafter.
per dis
ability
(3)
during
1st 36
months;
52
weeks
per dis
ability
there
after.
Maximum
room and
board
allowance
50 days.
—
—
(57
)
$900
$950
—
X
—
(5)
Dependents 4
$12
31 days.
$372
X
$890
(3)
Nonoccupational.
Less than 9 months' service 8— $10 per week;
thereafter— $32 per week.
13
weeks
per
disa
bility.
60
13 weeks 8th day. 8th day.
per year.
j
Employee
$19
$ 1, 330
70 days.
(9)
$190
—
X
$190
(i°)
(9)
(i°)
Dependents
$ 15
(9)
6
7
8
9
1
0
A ll coverage except life
Effective May 2, 1966:
Effective May 2, 1966:
Effective May 2, 1966:
Effective May 2, 1966:
insurance discontinued at age 70.
After 3 months' employment.
Less than 6 months' service.
Employee— $23 daily; maximum— $1, 610; dependents— $ 18 daily; maximum— $ 1, 260.
Employee— $230; dependents— $180.
Same as
above.
—
—
$ 1,050
( 9)
$ 150
—
{1°)
X
$ 150
(10)
24
Digest o f Selected Health and Insurance Plans
M E D IC A L
S U R G IC A L
C O M P A N Y , U N IO N ,
AND DATE OF
•IN F O R M A T IO N — Continued
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F I T S
Allowance
Allowances for—
Most
expensive
operation
Tonsillectomy
Appendec
tomy
Employee and dependents
General Foods Corp.
Various unions.
$ 50 plu. 75 percent of additional
charge.
Covers cases
in—
Home
Office
Hospital
Benefits begin
Elsewhere
Maximum
compensation
Number
of visits
paid for
Sickness
Accident
1st day.
1st day.
4th visit.
1st visit.
3 per
week;
50 per
disa
bility.
—
—
Number
of days
paid for
Employe i and dependentsi
e
Hospital,
office, home,
elsewhere.
$5 for each day of
confinement.
$600 per
disability.
120 per
disa
bility.
December 1965.
(2)
Employee 6
Upholstering and allied
trades industries,
various employers.
$ 160
$55
$350
Upholsterers.
National plan.
January 1966.
—
$ 150 per disa
bility.
_
$ 115
$40
$250
Textile Workers
(TWUA).
$3 per $2 per $3 per visit.
visit. visit.
Dependents 6
January 1966.
Wyandotte Worsted Co.
Employee only 6
Hospital,
office.
Employee and dependents
$360
$ 132
$48
(9)
(1°)
Hospital,
office,
elsewhere.
Employee and dependents
—
—
—
—
—
—
—
(")
(8)
* Excludes such benefits as X -ra y , anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital.
See EXPLANATORY NOTES.
Benefit payable up to date of operation; if number of days of hospital confinement after day of operation times the $5 allowance exceeds surgical benefit, the excess is used to pay surgeon or
other physician for visits after the operation.
No accident and sickness insurance benefit provided by plan; employees covered by paid sick-leave plan.
4 Plus medical benefit of $ 5 for each day of confinement prior to delivery (maximum— $45).
Up to age 45, life insurance is term insurance; after age 45, combination of term and paid-up insurance. After age 45, employee's total contributions go toward purchasing paid-up insurance.
Company maintains term insurance.
Amount of term insurance decreases as amount of paid-up insurance increases.
25
Under Collective Bargaining, Early 1966— Continued
M A T E R N IT Y B E N E F I T S
Hospitalization
Accident and
sickness
Daily
benefit
or service
Duration
Surgical
Extra
allowance
or service
O T H E R B E N E F IT S
(types and amounts)
Schedule
allowance
for normal
delivery
Company
Employee and dependents
( 3)
Semi
private
room.
10 days.
Full cost
of serv
ices.
$ 125
(4 )
Employee
Supplemental major medical expense benefit— 75 percent of
expenses not covered by other plan benefits incurred during
calendar year which are in excess of $ 200; maximum—
$ 10, 000 per year, $ 15, 000 during lifetime.
Jointly
Employee’s dependents
Company
Jointly
Amount employee contributes
Employee
Term life insurance and long-term disability
insurance:
Before age 4 5 :5 $ 0. 30 per month per $ 1,000
of insurance.
Term life insurance after age 4 5:5 None (com
pany pays full cost).
Paid-up insurance and long-term disability
after age 4 5 :5
Full cost— $ 0. 65 per month per $ 1,000 of in
surance.
Accidental death and dismemberment benefit:
$0. 70 per year per $ 1,000 of insurance.
Other benefits:
Benefits for employee only, $ 1. 20 per month;
for employee and one dependent, $ 2 .6 0 ; for
employee and more than one dependent, $ 3 .8 0 ;
for each dependent child between the ages of
19—
23, $ 3 per month extra.
Regular
benefits
for 6
weeks.
Employee
I
|
$ 100 for room, board and
extra services.
Employee only
$70
Dependent7
Same as above.
$50
None (company pays 4 percent of aggregate
earnings of employees).
Laboratory and X -ray examination allowance for nonhospitalized cases and if not covered by other plan benefits—
$ 25 per disability.
Convalescent care benefit (at Fund's Convalescent Care
Pavilion in Florida)— room and board allowance, $ 12 per
day for 50 days; medication and therapy— full cost; trans
portation charges to and from pavilion— $ 170.
Dread disease benefit (for expenses incurred which are in
excess of other plan benefits)— $ 2 ,5 0 0 per disability.
Employee and dependents
Anesthesia allowance for cases in and out of hospital—
15 percent of amount payable for surgical procedure or
$25, whichever is less.
^
Regular
benefits
for 6
weeks.
Employee
$19
70 days.
$190
Employee' s benefits:
None (company pays full cost).
$90
Dependents' benefits:
$ 1 .4 5 per week.
Dependent
1
i
$150 f or room, board and
extra tservices.
1
1
Same as
above.
If age 60 or over when first employed, employee and dependents receive 50 percent of the specified benefits during first 36 months of insurance coverage; specified benefits thereafter.
If employee is age 60 or over when first employed, his dependent receives 50 percent of specified benefits during first 36 months of insurance coverage; specified benefits thereafter.
A ll coverage except life insurance discontinued at age 70.
Effective-May 2, 1966: $420.
Effective May 2, 1966: $56.
Effective May 2, 1966: $154.
26
Digest o f Selected Health and Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND D ATE OF
IN F O R M A T IO N
Distillery industry,
various employers.
Distillery Workers.
National plan. 1
E L IG IB IL T Y
R E Q U IR E M E N T S
(when new
employees become
eligible)
1st of month
after expiration
of 30 days follow
ing date of em
ployment.
A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T
If permanently and totally disabled
Amount
Before
age—
$ 2 , 500
60
$ 2 ,0 0 0
At any
age.*
Amount
Cases
covered
Insurance is—
Maintained
X
Paid in—
Graduated
according to—
Death or
multidis
memberment
Single dis
memberment
Nonoccupational.
Same as life
insurance.
Onehalf of
life in
surance.
Nonoccupational;
occupa
tional.
$ 1 ,5 0 0
$750
Install Nonoccuments. pational;
occupa
tional.
$ 2 ,0 0 0
$ 1 ,0 0 0
January 1966.
Clothing industry,
Accident and
sickness benefit:
men's and boys',
various employers • After 4 succes
sive weeks'
covered employ
Clothing Workers.
ment.
National plan.
February 1966.
Other benefits:
After 6 succes
sive months'
covered employ
ment
Furniture industry,
various employers.
After 30 days'
employment.
For 1 year.
Service
Less than 10 years --------------------------------------------------------10 years and o v e r -----------------------------------------------------------
Furniture Workers.
National plan. 2
3
Insurance
60
$ 1 ,5 0 0
2,000
X
December 1965.
American Seating
Co. (Grand
Rapids, Mich.).
1st of month fol
lowing 13 weeks'
employment.
$ 3 ,0 0 0
60 and
insured
1 year.
Automobile Workers.
December 1965.
1 Benefits described are those available to the largest group of employees covered by the plan.
2 Benefits under this program vary somewhat in different parts of the country, due primarily to varying amounts of employer contributions and to utilization of local hospital programs. Benefits
described are those provided in the New York City area.
3 Employees earning less than $30 weekly receive benefits required by New York State temporary disability law. See appendix A.
27
Under Collective Bargaining, Early 1966
A C C ID E N T A N D S IC K N E S S
H O S P I T A L IZ A T I O N
Duration of benefits
Cases
covered
Amount
Period
Benefits begin
Except
After
age—
Benefits
limited to—
Accident
Sickness
26
weeks
per d is
ability.
Nonoccu- Men— $ 55 per week.
pational. Women— $45 per week.
Nonoccu- 50 percent of weekly wage—
pational. Minimum— $ 27
Maximum— $ 50
1st day. 8th day
or 1st
in hos
pital.
A cci
dent:
13
weeks
per
year.
7th day
retro
active
to 1st.
14th
day
retro
active
to 8th.
Daily
benefit
or
service
Extended coverage
Duration
Days
Daily
amount
Maximum
room and
board
allowance
Basis of
payment per—
Extra allowance
or service
26
weeks
per
year.
$20
$ 1 ,4 0 0
70 days.
$300
X
Employee and dependents
$33
$3,9 6 0
120 days.
$500
X
$50
or in
any
one
12month
pe
riod.
Employee and dependents
1st day. 4th day.
26
weeks
per
dis
ability.
Emergency
out-patient
care benefit
or service
Employee and dependents
Sick
ness:
13
weeks
per
year.
Weekly benefit
Nonoccu- Base weekly earnings
pational.
$30 to $ 3 5 --------------------------------------------------$21
$35 to $ 4 8 --------------------------------------------------24
$48 to $ 5 5 --------------------------------------------------29
$55 to $60
....................................
33
$60 to $ 6 5 --------------------------------------------------36
$65 to $ 7 0 --------------------------------------------------39
$70 to $ 7 5 ------------ ------------------------------------42
$75 to $ 8 0 -------- :-----------------------------------------45
$80 to $ 8 5 --------------------------------------------------48
$85 and o v e r ----------------------------------------------50
Year
Disa
bility
1st day. 8th day.
Semiprivate
room.
21 days.
180
50 p er
cent of
cost of
sem i
private
room.
Full cost of
specified serv
ices for 1st 21
days; 50 percent
of cost for addi
tional 180 days.
X
$15
X
Required
services
provided.
<
3)
Nonoccu- $50 per week.
pational.
Employee and dependents
Semiprivate
room.
365 days.
Full cost of
specified serv
ices.
28
Digest o f Selected Health and Insurance Plans
M E D IC A L
S U R G IC A L
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N —Continued
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F I T S
Allowance
Allowances for—
Most
expensive
operation
Tonsillectomy
Appendec
tomy
Employee
Distillery industry,
various employers.
$400
$60
$200
Covers cases
in—
Hospital,
office, home,
elsewhere.
Distillery Workers.
National plan. 13
24
*
January 1966.
Home
Office
Hospital
Benefits begin
Elsewhere
$45
$375
$56. 25
Accident
Number
o fjla y r
paid for
$5 per $4 per
visit. visit.
$5 per visit.
$ 5 per
visit.
$250 per
disability.
3d visit
or 1st in
hospital.
1st visit.
1 per
day.
—
Same as
above.
—
Dependents
$150
Employee and dependents
Clothing industry, men's
and boys', various
employers.
Sickness
Number
of visits
paid for
Ernployee
Dependents
$300
Maximum
compensation
—
$187.50
$150
Same as above.
—
Same as
above.
1st visit. Same as
above.
Employee and dependents
Hospital,
office, home,
elsewhere.
Hospital,
office, home,
elsewhere.
—
1
1
1
1
1
1
i
r 1
Centers.
Provided by the Arrlalgamated (Clothing Worker s' Health C
Clothing Workers.
National plan.
February 1966.
Employee
Furniture industry,
various employers.
$45
Employee
$250 per
disability.
$5 per $ 3 per $ 5 per. visit.
visit. visit.
—
4th day
retro
active
to 1st.
1st day.
1st day.
Same as
above.
Home and
office:
$225 per d is
ability.
Home
and
office:
4th visit.
Hospital:
1st day.
Home
Home
and
and
office:
office:
1st visit. 1 per
day.
Hospital:
1st day.
365 per
disa
bility.
Hospital:
$ 1,785 per
disability.
$250
Furniture Workers.
National plan.6
1st day.
1st day.
Same
as
above.
( 7)
December 1965.
Dependents
$200
American Seating Co.
(Grand Rapids, M ich .).
December 1965.
$100
Employee and dependents
$ 7 ,5 0 0 8
$450
Automobile W orkers.
$30
Dependents
$67. 50
$157. 50
—
—
Same as above.
—
Same as
above.
—
—
Employee
Hospital,
office.
$5p er $3 per 1st day, $15; 2d
visit. visit. through 20th day,
$6 per day; there
after, $4. 80 per
day.
Dependents
Same as above.
$1,785 per
disability.
1 Excludes such benefits as X -ra y , anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital. See EXPLANATORY NOTES.
2 Benefits described are those available to the largest group of employees covered by the plan.
3 Payable irrespective of actual charges.
4 The Amalgamated Clothing Workers' Health Centers, where located, provide ambulatory patients with complete general medical, diagnostic, and therapeutic care. Medication furnished at.
nominal charge. Financing of the Centers varies according to location. For example, in Philadelphia each employer contributes 1.25 percent of payroll (0 .7 5 percent for employees and 0 .5 p er
cent for their dependent husbands or wives); in New York City each employer contributes one-fourth of 1 percent of payroll, each employee, $10 per year for his coverage and an additional
$10 for his wife's coverage.
29
Under Collective Bargaining, Early 1966-----Continued
M A T E R N IT Y B E N E F I T S
Hospitalization
Accident and
sickness
Regular
benefits
for 6
weeks.
Daily
benefit
or service
Surgical'
Extra
allowance
or service
Duration
O T H E R B E N E F IT S 1
(types and amounts)
Schedule
allowance
for normal
delivery
Employee
~I
I
I
$ 200 maternity allowance. 3
Employee
Company
Jointly
Employee's dependents
Company
Jointly
Employee and dependents
" I -----------------1
-------------------- 1
--------$175 maternity allowance. 3
Employee's benefits:
None (company pays full cost).
Dependents' benefits:
Full cost.
Dependents— $210 per disability.
Employee and dependents
$100
Employee
Allowance for miscellaneous charges for nonhospitalized
surgical cases:
Employee— $300 per disability.
Dependent
Amount employee contributes
None (company pays 3.9 percent of weekly
payroll). 5
See medical benefits.
(3 )
Regular
benefits
for 6
weeks.
Employee
1
j
$100 for room, board and
extra services.
Employee and dependents
$85
Dependent
Same as above.
Regular
benefits
for 6
weeks.
$70
Anesthesia allowance for cases in or out of hospital—
20 percent of surgical schedule allowance.
Employee and dependents
Semi
private
room.
365
days.
Full cost
of speci
fied serv
ices.
None (company pays 3.5 percent of monthly
payroll).
Laboratory and X -ra y examination allowance for nonhospi
talized cases— $50 per accident; $50 for all examinations
made in connection with disease during any 12 consecutive
months.
Anesthesia allowance for cases in or out of hospital (if ad
ministered by nonhospital employee)— 1st half hour or frac
tion thereof, $18; next half hour, $ 1 3 .5 0 ; each succeeding
half hour, $9.
x
x
Employee's benefits:
None (company pays full cost).
Dependents' benefits:
$5 per month.
5 Effective June 6, 1966: 4. 1 percent of weekly payroll.
6 Benefits under this program vary in different parts of the country, due primarily to varying amounts of employer contributions and to utilization of local hospital programs. Benefits described
are those provided in the New York City area.
7 If receiving medical benefits, employee is entitled to 3 visits within 31 days after return to work.
8 Amount specified refers to employee's annual income.
30
Digest o f Selected Health and Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND DA TE OF
IN F O R M A T IO N
Philip M orris, Inc.
A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T
E L IG IB IL T Y
R E Q U IR E M E N T S
If permanently and totally disabled
(when new
employees become
eligible)
After 3 months'
employment.
Before
age-
Before age 65
Yearly base pay
insurance is -
Amount
Cases
covered
Graduated
according to -
Death or
multidis
memberment
Single dis
memberment
60
Insurance
Yearly base pay
Insurance
Tobacco Workers.
Lesss 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
January 1966.
$1,
$2,
$2,
$3,
$3,
$4,
$4,
$5,
$ 5,
$6,
500 —
000 —
500 —
000 —
500 —
000 —
500 —
000 —
500 —
000 —
$ 3,000
4, 000
5, 000
6,000
7, 000
8, 000
9, 000
10, 000
11, 000
12, 000
$ 6 , 000 to $6, 500 — $13,, 000
$ 6 ,5 0 0 to $ 7, 000 —
14,, 000
$ 7 , 000 to $ 7, 500 —
15,, 000
$ 7 ,5 0 0 to $8, 000 —
16, 000
$ 8 , 000 to $8, 500__
17, 000
$ 8 , 500 to $9, 000 —
18, 000
$ 9 , 000 to $9, 500 —
19, 000
20, 000
$ 9 , 500 to $ 1 0 ,0 0 0 and up in increments
of $500 .— ■ ------- $ 1, 000
At age 65:
Amount in effect reduced 10 percent and reduced by like amount
on the next 4 succeeding birthdays.
Dress industry, Af
filiated Dress
Manufacturers,
Inc. , and other
employers
(New York, N. Y. ).
Ladies' Garment
Workers
(New York Dress
Joint Board).
February 1966.
Bigelow-Sanford
Carpet Co. , Inc.
Textile Workers.
(TWUA).
Life insurance:
1 year's union
membership.
Union membership
Insurance
-------------
1 year to 2 years—
2 years and over----
Maternity bene
fits:
15 months' union
membership.
__________
$
500
1,000
(2 )
Hospital, sur
gical, and med
ical benefits:
6 months'
covered employ
ment.
After 3 months'
employment. ’
Basic weekly earnings
Less than $ 6 0 ------$60 and over---------
Insurance
. $ 2 ,0 0 0
2,500
Nonoccupational.
Earnings.
Same as life
insurance.
One-half
of life in
surance.
April 1966.
Virginia Hospital Service Association (Blue Cross plan); employees in other areas covered by different programs. During first year of plan membership, benefits limited to 30 days per year.
Available only to those becoming union members prior to age 55. Individuals joining union after age 55 are entitled to benefit of $ 100 for each year of membership, maximum— $ 1, 000.
No accident and sickness insurance benefit provided by plan; employees covered by the New York State disability benefits law. See appendix A .
31
Under Collective Bargaining, Early 1966
H O S P I T A L IZ A T I O N
A C C ID E N T A N D S IC K N E S S
Benefits begin
Duration of benefits
Cases
covered
pational.
Amount
Except
Period
After
age—
Benefits
limited to—
Sickness
Days
_
_
_
_
(3)
(3)
<
3>
(3)
(3)
60 days.
_
(3)
Daily
amount
Maximum
room and
board
allowance
Basis of
payment per—
Extra allowance
or service
Year
Disa
bility
Emergency
out-patient
care benefit
or service
Employee and dependents 1
Semiprivate
room.
_
<*>
Duration
8th day. 8th day.
13
weeks
per dis
ability.
50 percent of weekly rate of p a y maximum— $50 per week.
Accident
Daily
benefit
or
service
Extended coverage
Full cost of
specified serv
ices.
X
Required
services
provided.
Employee only (other than P ressers' Local 60)
Semi
private
room.
21 days.
180
50 per
cent of
cost of
sem i
private
room.
X
Full cost of spec
ified services for
1st 21 days; 50
percent of cost
for additional
180 days.
$7. 25
X
$160
Employee only (P ressers' Local 60)
$ 154
Nonoccu- Basic weekly
pational. earnings
Less than $ 6 0 - — — — — ____
$60«and over— — —
------------
Weekly benefit
____ —
------------
$33
40
13
weeks
per dis
ability.
_
_
75 days.
$30
X
Employee and dependents
8th day. 8th day.
$16
31 days.
(5 )
Payable irrespective of actual charge.
An additional 13 weeks is provided employees (with at least 1 year's service) suffering from active cases of tuberculosis.
$1, 125
$496
$ 160
32
Digest o f Selected Health and Insurance Plans
M E D IC A L
S U R G IC A L
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N —Continued
Philip M orris, Inc.
Tobacco Workers.
January 1966.
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F I T S
Individual coverage, $ 2, 500;
family, $ 4 ,0 0 0 .
Allowance
Allowances for—
Most
expensive
operation
Tonsillectomy
Appendec
tomy
Employee and dependents 1
2
$200
(2)
Under age 19,
$40; over age
19, $50.
$75
Covers cases
in—
Home
Office
Benefits begin
Hospital
Maximum
compensation
Sickness
Accident
$ 195 per year. 1st day.
Elsewhere
Number
of visits
paid for
1st day.
Number
of days
paid for
Employee and dependents2
Hospital,
office.
( 2)
1st day, $ 10; 2d
and 3d days, $5
per day; 4th
through 7th day, $4
per day; thereafter,
$ 3 per day.
60 per
year.
(# )
(3 4
)
Employee only (other than Pressers* Local 60)
Dress industry, Affiliated Dress Manufac
turers, Inc. , and
other employers
(New York, N. Y. ).
Ladies’ Garment
Workers
(New York Dress
Joint Board).
Optioned, plan A
Provided by Health Insurance Plan of Greater New Y ork5
Optional plan B
Individual cover
age, $ 2 ,5 0 0 ;
family, $ 4 ,0 0 0 .
$300
$78
$ 150
Hospital,
office.
February 1966.
Employee only (P ressers' Local 60)
$250
$50
$125
$5 per 1st
1st 21 days, $5 per
visit.
visit visit; thereafter,
$4;
$ 17. 50 per week.
the re afte r,
(6 )
$3 per
visit.
—
Home and
office:
Unlimited.
1st visit.
Hospital:
$565 per d is
ability.
1st visit. Home
and
office:
Unlim
ited.
Hospi
tal:
201 per
disabil
ity.
Hospi
tal:
1st 2
days, 2
per day;
there
after, 1
per*day.
Hospital,
office.
Employee only (P re sse rs' Local 60)
$3 per
visit.
Bigelow-Sanford Carpet
C o., Inc.
_
Employee and dependents
$400
$53. 25
Hospital,
office.
(7 )
1st 21 days, $5 per
visit; thereafter,
$ 3 per visit.
—
Unlimited.
1st visit.
1st visit. Unlim
ited.
Unlim
ited.
Employee ; nd dependents
a
$ 1 4 6.75
Textile Workers
(TWUA).
April 1966.
1 Excludes such benefits as X -ra y , anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital. See EXPLANATORY NOTES.
2 Virginia Medical Service Association (Blue Shield plan); employees in other areas covered by different programs.
3 Plus 1 in-hospital consultation allowance per disability, $10.
4 Virginia Hospital Service and Virginia Medical Service Associations (Blue Cross and Blue Shield plans); employees in other areas covered by different programs.
Maternity benefits
available to newly insured after 10 months of coverage.
33
Under Collective Bargaining, Early 1966— Continued
F IN A N C IN G
M A T E R N IT Y B E N E F I T S
Hospitalization
Accident and
sickness
Daily
benefit
or service
Duration
Surgical
O T H E R B E N E F IT S 1
(types and amounts)
Schedule
allowance
for normal
delivery
Extra
allowance
or service
Employee's dependents
Employee
Company
Jointly
Company
Employee and dependents 4
Sem iprivate
room.
7 days.
Full cost
of speci
fied serv
ices.
$80
X -ray (Incident to diagnosis and made during hospital
stay or within 30 days before admission, the initial one for
accident cases not needing hospitalization, and deep therapy
treatments if medical services provided)— $50*per year
but not more than 50 percent of the schedule fee for each
included X -ray service rendered.
$150 maternity allowance8
Eye glass benefit (one pair every 2 years)— full cost.
Amount employee contributes
Employee
x
Employee only (other than P ressers' Local 60)
Employee only
Jointly
Employee's benefits:
None (company pays full cost).
Dependents' benefits:
Full cost.
None (company pays l l!z percent of pay roll ).*
*
6
(9 )
Optional plan A
Provided by Health Insurance Plan of Greater New York, 5
plus anesthesia allowance— 20 percent of surgical sched
ule; minimum— $ 18.
Optional plan B
Anesthesia allowance— 20 percent of surgical schedule;
minimum— $ 18.
Employee only (Pressers' Local 60)
Eye glass benefit (one pair every 2 years)— full cost.
Blood transfusion allowance— $35 per pint; limited to
2 per illness.
Visiting nurse service— $ 3 .5 0 per visit; unlimited
number of visits per disability.
Ambulance service allowance— $20.
Convalescence after major surgery or major hospitalized
illness allowance— $5 per day, for maximum of 14 days.
Medicine allowance— free drugs provided through Union
Health Center.
Employee and dependent
$120 for room, board and
extra services.
5
6
I
8
9
x
x
None (company pays full cost).
$ 100
See Appendix C.
Plus 1 in-hospital consultation allowance per disability, $10.
UnUmited diagnostic services and treatment for ambulatory cases provided at Union Health Center. Where service of outside specialist is required, $15 is paid for 1 visit per disability
Payable irrespective of actual charges.
v
y
Includes contribution for vacations which are paid to employees out of health and welfare fund. Members pay $ 1 per year (included in monthly dues) to Death Benefit Fund.
34
Digest o f Selected Health and Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND D A TE OF
IN F O R M A T IO N
A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T
E L IG IB IL T Y
R E Q U IR E M E N T S
If permanently and totally disabled
(when new
employees become
eligible)
1st of month fo lFur manufacturing
lowing 4th month
and retailing inin which total
dustry, Associated
Fur Manufacturers, earnings in
Inc. , and other em - covered employployers (New York, ment reach
N. Y. ).
$ 1, 300 or more.
Amount
Before
age—
Amount
Cases
covered
Insurance is —
Maintained
Paid in—
Graduated
according to—
_
65
$ 1, 000
For 1 year.
__
Nonoccupational;
occupa
tional.
65
For 1 year (or for
period insured if
less than 1 year) or
until age 65, which
ever occurs first.
__
Nonoccu- Weekly earnings
pational;
occu
Less than $ 25__
pational. $25 to $ 30_____
$ 30 to $ 4 0 _____
$ 4 0 to $ 6 0 _____
$ 6 0 to $ 8 0 _____
$ 8 0 to $ 125_____
$ 125 to $ 150___
$ 150 to $ 2 0 0 ___
$200 to $ 2 4 0 ___
$240 to $ 2 8 0 ___
$ 280 to $ 320___
$ 320 to $ 3 6 0 ___
$ 360 and over __
For 1 year.
__
Death or
multidis
memberment
$ 1 ,0 0 0
Single dis
memberment
$500
Meat Cutters
(Furriers Joint
Council of
New York).
April 1966.
Continental Can Co. ,
Inc. , Robert Gair
Paper Products
Group.
After 3 months*
employment.
March 1966.
Papermakers and
Paperworkers.
March 1966.
Insurance
Less than $14
_
_____
$ 14 to $ 2 0 _____________________________________ __________
$20 to $25 _
.................
______ ___
$25 to $ 30 ___ _ ___ _
____
__ _ _ _
$ 30 to $ 4 0 ______ ______
___________
$40 to $60
_
____
____
__
$ 60 to $ 8 0 _____________________________________
$80 to $ 1 2 5 ______
__
_ _
__
___
$ 125 to $ 150__________________________________ __________
$ 150 to $ 2 0 0 __________________________________ __________
$200 to $ 240 _ _
_
- .
$240 to $ 2 8 0 ____ _____________ _____________
$280 to $ 3 2 0 __________________________________ __________
$ 320 to $ 360_
_
$ 36 0 and ove r _ ____________ ________
__ .
Papermakers and
Paperworkers.
West Virginia Pulp
and Paper Co.
(Luke, Maryland;
Charleston, South
Carolina; and
Covington, West
Virginia).
Weekly earnings
After 3 months'
employment.
Before age 65:
Basic annual earnings
$ 2 , 392
$ 2 f 600
$ 2 ,8 0 8
$ 3 , 016
$ 3,432
$ 3f 848
$ 4 ,2 6 4
$ 4 , 680
$ 5 , 096
$ 6 . 000
$ 7 , 000
$ 8 , 000
$ 9 . 000
to
to
to
to
to
to
to
to
to
to
to
to
to
$1,200
1,500
1, 800
2, 300
2, 500
3, 000
4, 000
6, 000
8, 000
10, 000
12,000
14,000
16,000
18,000
20, 000
65
Insurance
$ 2 ,6 0 0 ..............................................
$ 2 , 808 ______
_ _ _
$ 3 ,0 1 6 ____________________________ __ ___ . _.....
$ 3 ,4 3 2 ____________________________ ___ ___ ____
$ 3r848 _ _
____ __
_ __
_
$ 4 , 264 __________________________ _
$ 4 ,6 8 0 ____________________________ ______ ____
$ 5 , 096 _ _
_ __ _
________
$ 6 , 000 ____________________________ _
$ 7 , 000 _ __ _
- __
$ 8 , 000 ____________________________ .... ........- .....
$ 9 , 000 ____________________________ ___ ____ _
$ 10. 000 and up
______
$2,500
2, 750
3, 000
3,500
4, 000
4, 500
5, 000
5, 500
6, 000
7, 000
8, 000
9, 000
10, 000
At age 65:
Insurance reduced to $750 if insured for less than $ 3, 000 prior
to age 65; to $ 1, 000 if insured for more $ 3, 000.
Maryland Hospital Services, Inc. (Blue Cross plan) for employees in Luke, Md.; employees in other areas covered by different programs,
Nonoccu- Earnings.
pational.
$500
800
000
500
500
500
000
500
000
000
000
000
000
1,
1,
2,
4,
5,
5,
6,
7,
8,
9,
10,
Same as life
insurance.
$250
400
500
750
1, 250
2 ,2 5 0
2, 500
2 ,7 5 0
3 ,000
3 ,5 0 0
4, 000
4, 500
5, 000
Onehalf of
life in
surance.
35
Under Collective Bargaining, Early 1966
A C C ID E N T A N D S IC K N E S S
H O S P I T A L IZ A T I O N
B efits b g
en
e in
D r tio of ben
ua n
efits
C
ases
co ered
v
Nonoccupational.
A on
mu t
P d
erio
$ 50 per week.
26 weeks
per
year.
Weekly benefit 26 weeks
Nonoccu- Annual base pay
per dis
pational.
$ 4 7 .5 0
ability.
Less than $ 4 , 000 —-------------------------- ______
55. 00
$ 4 , 000 to $ 4 , 500 __________________ ______
$ 4 ; *nn to $
nno ____ ___ ______ ______
57.50
$ 5, 000 and o v er____________________ ______ 60. 00
Weekly benefit 26 weeks
Nonoccu- Basic annual earnings
per dis
pational.
ability.
$25
Less than $2, 600 ---------------------------- ______
27
$ 2 ,6 0 0 to $ 2 , 808 ______ ____________ _______
$ 2 ,8 0 8 to $ 3 ,0 1 6 __________________ _______
29
$ 3, niA to $ 3, 432
______
33
$ 3j 4 32 to $ 3, 84ft _
37
41
$ 3 ,8 4 8 to $ 4 ,2 6 4 __________________ _______
$ 4 ; 2A4 to $ 4 JARO __
4R
53
$ 4 ,6 8 0 to $ 5 , 096 — ;------------------------ _______
58
$ 5 , 096 to $ 6 , 0 1 1 __________________ _______
_______
67
$ 6 ,0 1 1 tn $ 7 ,0 1 0
77
$ 7 , 010 and over __ _____________ ___ _______
E cep
x t
A
fter
age—
B efits
en
lim d to
ite —
_
—
A en
ccid t
S n
ick ess
D ily
a
b efit
en
o
r
service
_
_
Dy
as
D ily
a
a on
mu t
Mx u
a imm
ro ad
om n
b ad
or
a an
llow ce
B
asis o
f
p y e t pr
a mn e —
E tra allo a ce
x
wn
o service
r
Y r
ea
D
isa
b
ility
E e ec
mrg n y
ou atien
t-p
t
c re b efit
a en
o service
r
Employee and dependents
120 days. 180
50 per
cent of
cost of
sem i
private
room.
Full cost of
specified serv
ices for 1st 120
days; 50 percent
of cost for addi
tional 180 days.
X
$ 7 . 25
—
X
$250 per
6-month
period.
—
X
Required
services
provided.
Employee and dependents
1st day. 8th day.
Semi
private
room.
_
D r tio
ua n
8th day. 8th day.
Semi
private
room.
_
E ten ed co
x d
verage
120 days.
—
—
—
Full cost of
specified
services.
Employee and dependents 1
1st day. 4th day.
Semi
private
room.
70 days.
—
—
—
Full cost of
specified
services.
36
Digest o f Selected Health and Insurance Plans
S U R G IC A L
in
C O M P A N Y , U N IO N ,
AND DA TE OF
f o r m a t i o n — Continued
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F I T S
Most
expensive
operation
Tonsillectomy
Appendec
tomy
April 1966.
Covers cases
in—
Home
Office
Hospital
Benefits begin
Elsewhere
Maximum
compensation
Sickness
Accident
1st day.
1st day.
1st day.
1st day.
M lk P
liH A
numoer
of visits
paid for
Number
of days
paid for
Employee and dependents
Fur manufacturing and
retailing industry,
Associated Fur Manu
facturers, I n c ., and
other employers
(New York, N. Y. ).
Meat Cutters (Furriers
Joint Council of
New York).
M E D IC A L
Allowance
Allowances for—
Optional plan A
Provided by the Health Insurance Plan of Greater New Y ork2
Optional plan B
Individual cover
age, $ 4 ,0 0 0 ;
family coverage,
$ 6, 000.
$500
Under age 12,
$ 65; over age
12, $75.
$ 175
Hospital,
office:
( 3)
1st
visit,
$5;
there
after,
$ 4 per
visit.
1st
visit,
$4;
there
after,
$ 3 per
visit.
1st 7 days, $ 7 per
day; 8th through
14th day, $ 6 ; 15th
through 70th day,
$ 5; thereafter, $4
per day.
Hospital:
$ 895 per
dis ability.
Home and
office:
$ 121 per year.
Home
and
office:
30 per
year.
Hos
pital:
201 per
disa
bility.
(4)
Employee and dependents
Continental Can Co. ,
Inc. , Robert Gair
Paper Products Group.
$300
$60
$ 150
Employee and dependents
Hospital,
office, home,
elsewhere.
Papermakers and
Paperworkers.
March 1966.
West Virginia Pulp and
Paper Co. (Luke,
Maryland; Charleston,
South Carolina; and
Covington, West
Virginia).
Individual coverage, $ 4 ,5 0 0 ;
family coverage,
$ 7 , 000.
(5 )
Employee and dependents5
$ 340
Under age 12,
$ 6 0 ; over age
12, $75.
$ 150
Hospital,
office, home,
elsewhere.
(5)
Employee and dependents 5
1st day, $ 20; 2d
and 3d day, $ 8; 4th
through 30th day,
$ 6 ; thereafter, $4 .
$ 358 per
dis ability.
Papermakers and
Paperworkers.
March 1966.
1
2
3
4
5
Excludes such benefits as X -ra y , anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital.
See appendix C.
Not applicable to home and office visits.
If intensive care is required, more liberal benefits are provided during the first 21 days of hospitalization.
Maryland Medical Service, Inc. (Blue Shield plan) for employees in Luke, Md.; employees in other areas covered by different programs.
See EXPLANATORY NOTES.
70 per
disa
bility.
37
Under Collective Bargaining, Early 1966— Continued
F IN A N C IN G
M A T E R N IT Y B E N E F I T S
Hospitalization
Accident and
sickness
Daily
benefit
or service
Duration
Surgical
Schedule
allowance
for normal
delivery
Extra
allowance
or service
Employee and dependent
$120 for room, board
extra services.
and
Optional
plan A
Benefits for—
O T H E R B E N E F IT S 1
(types and amounts)
Employee's dependents
Employee
Company
Jointly
Company
Jointly
Optional plan A
Employee's benefits and dependents' hospital
benefit: None (company pays 5 percent of
straight-time payroll and 3 V3 percent of over
time payroll).
Employee and dependents
Provided by the Health Insurance Plan of Greater New York. 2
Provided
Optional plan B
by the
Health In
Employee and dependents
surance
Plan of
Greater
Diagnostic X -ray allowance— $50 per year.
New York.2
Laboratory examination allowance— $25 per year.
Optional
plan B
$75
Amount employee contributes
Employee
Dependents' surgical and medical benefits:
Full cost—
Optional plan A— wife only, $18. 50 per quarter;
wife and children, $33 per quarter;
Optional plan B— $33 per quarter.
Anesthesia allowance— 20 percent of surgical schedule
allowance; minim vim— $20.
Employee only
Supplemental major medical expense benefit— 75 percent of
expenses incurred during a disability not covered by other
plan benefits which are in excess of $ 100; maximum—
$ 10, 000 during lifetime.
Employee and dependent
benefits
for 6
weeks.
Regular
benefits
for 6
weeks.
Semiprivate
room.
120 days. Full cost
of speci
fied
services.
x
Employee and dependent 6
Sem iprivate
room.
10 days.
Full cost
of speci
fied
services.
x
None (company pays full cost).
$90
100
x
C)
x
Life and accidental death and dismemberment
insurance, and accident and sickness benefit:
None (company pays full cost).
Other benefits:
Benefits for employee only, $ 1 per month;
for employee and dependents, $5. 8
Maryland Hospital Service, Inc. and Maryland Medical Service, Inc. (Blue Cross and Blue Shield plans) for employees in Luke, Md. ; employees in other areas covered by different programs.
7 Union makes available to workers in Luke, M d ., and Covington, W. V a ., supplemental major medical expense benefit.
8 Contribution of employee in Luke, Md.
38
Digest o f Selected Health and Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND D A TE OF
IN F O R M A T IO N
A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T
E L IG IB IL T Y
R E Q U IR E M E N T S
If p e rm a n e n tly an d t o t a l ly d is a b le d
Am ount
Cases
In s u ra n c e is —
B e fo re
e l ig i b le )
c o v e re d
After 6 months'
employment.
Insurance
Base hourly rate
Less than $ 2 .4 1 ------ --------------- ----- ------- ------------------$ 2 .4 1 and ove r ____________________________ ____ _____
Papermakers and
Paperworkers;
Pulp, Sulphite and
Paper Mill
Workers.
60
G r a d u a te d
a c c o r d in g t o —
age—
M a in ta in e d
International Paper
Co. (Northern
Division).
Am ount
(w h e n n e w
e m p lo y e e s b e c o m e
X
$ 5 , 000
10, 000
P a id in —
Install
ments .
5
(Employe < may
choose eit:her).
D e a th or
m u lt id i s m e m b e rm e n t
Single dis
memberment
Nonoccu- Earnings.
pational;
occupa
tional.
$ 3, 000 plus
5 annual
increases of
$ 100 each.
One -half
of death
benefit.
Nonoccu- Service.
pational;
occupa
tional.
Same as life
insurance.
One -half
of life
insur
ance.
plus
5 annual increases in above amounts of $ 100 each.
March 1966.
FMC Corp.
(American Viscose
Div. , Fibers
Operation).
After 60 days'
employment.
Insurance
Service
3 years and o v e r ___ ________________
___ ____
____
Lump
sum.
60
$ 1, 000
2, 000
3, 500
(l )
Textile Workers
(TWUA).
January 1966.
Brown and Bigelow
(St. Paul, Minn. ).
After 90 days'
employment.
Monthly base pay
Insurance
Bookbinders.
February 1966.
$ 250 to $300 .................................................................................
$400 and over______________ _________________
1 Payment based on service:
Service
Less than 1 year_____
1 to 3 years___________
3 years and over_____
Amount
$500
1, 500
3, 000
__ __
$ 1 ,9 0 0
2, 500
3, 100
3, 700
4, 300
4, 900
5,500
6, 100
60
X
39
Under Collective Bargaining, Early 1966
H O S P I T A L IZ A T I O N
A C C ID E N T A N D S IC K N E S S
Benefits begin
Duration of benefits
E x te n d e d c o v e r a g e
B a s is o f
p a y m e n t pe r—
D a ily
Cases
covered
Amount
Except
Period
Weekly benefit
Nonoccu- Base hourly rate
pational.
$33
Less than $ 1. 45
38
$ 1.4 5 to $ 1.6 9 43
$ 1 .6 9 to $ 1 . 9 3 ______________________ ____
$ 1. 93 to $ 2 . 17 .
.
48
53
$ 2 . 17 to $ 2 . 41
58
$ 2 .4 1 to $ 2 . 6 5 ______________________ ____
63
$ 2 .6 5 to $ 2 . 89 - - - 66
$ 2 . 89 to $ 3 . 13 .
_ .
70
$ 3. 13 and over _
_____
26 weeks
per dis
ability.
Weekly benefit
Nonoccu- Basic weekly earnings
pational;
$35
Less them $54
occupa
36
$ 54 to $ 56
_____
tional
.
__
37
accidents $ 56 to $ 58
38
$ 5 8 to $ 6 0 ___________________________ ____
only.
$ 6 0 tq $62 _ _
.........................
39
$62 to $ 64
__
.....................
„
40
41
$ 6 4 to $ 6 6 ___________________________ ____
42
$66 to $68
— —
---43
$68 to $70
. .
......................
44
$ 70 to $72
_
_ _ „
45
$ 72 to $ 74
.
46
$74 to $76
47
$ 76 to $ 78
.........................
48
$ 78 to $ 8 0 ........................
$ 80 to $ 82
49
50
$82 and o v e r ______ __________________ ____
15 weeks
per dis
ability.
After
age—
Benefits
limited to—
_
_
Accident
M a xim u m
b e n e f it
room and
E x t r a a llo w a n c e
o u t-p a tie n t
D a ily
bo a rd
or s e r v ic e
D is a
c a re b e n e f it
am ount
a llo w a n c e
b i li t y
or s e r v ic e
Sickness
Days
Employee and dependents
1st day. 4th day.
Semi
private
room.
—
__
Year
E m e rg e n c y
70 days.
Required
services
provided.
Employee and dependents
1st day. 8th day.
Semi
private
room.
120 days.
Full cost of
specified serv
ices.
Required
services
provided.
(3 )
(2)
Nonoccu- 50 percent of straight-time weekly earnings—
pational. maximum— $ 7 5
13 weeks
per dis
ability.
__
__
1st day.
Employee and dependents
8th day.
$20
35 days.
(4 )
Occupa
tional.
Difference between workmen's compensation benefit and
above amount.
If workmen's compensation benefit or similar benefit is payable, plan benefit adjusted to limit total payment to 110 percent of weekly pay.
In intensive care facilities, semiprivate room rate plus $20 (maximum $ 100 per disability).
Effective M ar. 1,1966, $22; effective Mar. 1, 1967, $ 24.
$700
Full cost of
specified serv
ices.
$360
40
Digest o f Selected Health and Insurance Plans
S U R G IC A L
C O M P A N Y , U N IO N ,
AND DA TE OF
IN F O R M A T IO N —Continued
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F I T S
M E D IC A L
Allowances for—
Most
expensive
operation
Tonsillectomy
Allowance
Appendec
tomy
Employee and dependents
International Paper Co.
(Northern Division).
Under age 12,
$30 ;
Over age 12,
$ 50.
$250
Papermakers and
Paperworkers;
Pulp, Sulphite, and Paper
Mill Workers.
$ 125
Covers cases
in—
Hospital,
office, home,
elsewhere.
Home
Office
Hospital
Elsewhere
Maximum
compensation
Benefits begin
1
Sickness
Accident
Number
of visits
paid for
Number
of days
paid for
Employee and dependents
$4 for each day of
confinement.
$ 280 per
disability.
1st day.
1st day.
March 1966.
FMC Corp.
(American Viscose
Div. , Fibers
Operation).
Employee and dependents
$45
$300
$150
Employee and dependents
Hospital,
office, home,
elsewhere.
Textile Workers
(TWUA).
January 1966.
Employee and dependents
Brown and Bigelow
(St, Paul, Minn. ).
$200
$30
$100
Bookbinders.
February 1966.
(3)
(3)
Hospital,
office, home,
elsewhere.
Employee and dependents
$4 per day .
$ 140 per
disability.
1st day.
1st day.
35
(3 )
1 Excludes such benefits as X -ra y , anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital. See EXPLANATORY NOTES.
2 Only available to employee and dependent wife.
3 Effective Mar. 1, 1966: Most expensive operation, $250; tonsillectomy, $37; appendectomy, $125; normal delivery, $62.50. Effective Mar. 1, 1967: Most expensive operation, $300; tonsillec
tomy, $45; appendectomy, $ 150; normal delivery, $75.
41
Under Collective Bargaining, Early 1966— Continued
F IN A N C IN G
M A T E R N IT Y B E N E F I T S
Hospitalization
Accident and
sickness
Regular
benefits
for 6
weeks.
Daily
benefit
or service
Duration
Surgical
O T H E R B E N E F IT S 1
(types and amounts)
Schedule
allowance
for normal
delivery
Extra
allowance
or service
Benefits for—
Employee
Company
Employee and dependents
$ 200 maternity allowance.
Jointly
x
Employee's dependents
Company
Jointly
x
Supplemental major medical expense benefit— 80 percent of
charges not covered by other plan benefits incurred during
a calendar year which are in excess of $ 100; maximum—
$ 5 , 000 per year; $ 10, 000 during lifetime.
Amount employee contributes
Employee
Life and accidental death and dismemberment
insurance, and accident and sickness benefit—
None (company pays full cost).
Hospital, surgical, and medical benefits—
Balance of cost (company pays up to $ 10. 50
per month).
Major medical benefit— full cost.
Regular
benefits
for 6
weeks.
Employee and dependents
Semi
private
room.
120 days. Full cost
of speci
fied serv
ices.
$75
x
Dependent husband's benefits, except major
medical benefit:
Full cost.
Supplemental major medical expense benefit— 80 percent of
first $ 2 , 000 of expenses and 100 percent of expenses in
excess of $2, 000 that are not covered by other plan benefits,
incurred during any disability, which are in excess of $100;
maximum— $20, 000 per disability.
Major medical benefit:
Employee and spouse— 50 percent of cost; de
pendent children— full cost.
Emergency accident care out of hospital (within 24 hours of
accident)— $ 30.
Other benefits:
None (company pays full cost).
X -ray, radium, and physical therapy treatment— $200
per year.
Out-patient diagnostic X -ray and laboratory examination—
$ 100 per year. 2
Employee and dependents
----------------------,---------------$80 for room, board and
extra services
$50
Life insurance:
$ 0. 40 per month per $ 1,000 insurance.
X -ra y in doctor's office or clinic— $10 for any one accident.
Anesthesia for tonsillectomy in doctor's office or clini<
■$5.
Other benefits:
None (company pays full cost).
42
Digest o f Selected Health and Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND DA TE OF
IN F O R M A T IO N
Printing industry.
Chicago Lithog
raphers A ssocia
tion, and other
employers.
Lithographers,
Local 4.
E L IG IB IL T Y
R E Q U IR E M E N T S
(when new
employees become
eligible)
If experienced:
Immediately or
1st of following
months.
A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T
If permanently and totally disabled
Amount
Before
age—
$ 3 , 000
60
$ 6 , 500
60 with
less
than 10
years'
service.
Amount
Cases
Insurance is—
Maintained
covered
Paid in—
Graduated
according to—
Death or
multidis
memberment
Nonoccupational;
occupa
tional.
x‘
Same as life
insurance.
Nonoccu- Earnings.
pational.
Same as life
insurance.
Single dis
memberment
One-half
of life
insur
ance.
If inexperienced:
After 6 months'
covered employ
ment.
January 1966.
The B. F. Goodrich.
Co.
Life insurance:
After 30 days
employment.
Rubber Workers.
January 1966.
Accident and sick
ness benefits:
1st of month coin7
ciding with or
next following 3
months' employ
ment.
Install
ments.
One-half
of life
insur
ance.
Other benefits:
After 3 months'
employment.
1 Employees are eligible for this benefit after 45 days of employment.
2 In approved nursing home, convalescent care following confinement in hospital for at least 15 consecutive days: 50 percent of semiprivate room rate charged by hospital from which patient
was transferred, for 60 days.
43
Under Collective Bargaining, Early 1966
A C C ID E N T A N D S IC K N E S S
H O S P I T A L IZ A T I O N
Duration of benefits
Cases
covered
Benefits begin
Except
After
age—
Nonoccupational.
Two-thirds of current basic weekly wage -maximum—
$90.
Occupa
tional.
Men— $60 per week.
Women— $50 per week.
Daily
benefit
Days
Benefits
limited to -
26
weeks
per
disa
bility.
1st day.
26
weeks
per
disa
bility.
1st day.
8th day
or 1st
in hos
pital.
Daily
amount
Maximum
room and
board
allowance
Basis of
payment per—
Extra allowance
or service
Year
Disa
bility
Emergency
out-patient
care benefit
or service
Employee and dependents
Difference between workmen's compensation benefit
and above amount.
Nonoccupational.
Extended coverage
$ 22
When workmen's compensation benefits are not payable:
Same as above.
When workmen's compensation benefits are payable:
Difference between workmen's compensation benefits
and 80 percent of average straight-time weekly wage.
—
$682
$440
x
$440
Employee and dependents
8th day.
Semiprivate
room.
(2)
Occupa
tional.
31 days.
365
days.
(2 )
Full cost of
specified serv
ices.
Required
services
provided.
44
Digest o f Selected Health and Insurance Plans
S U R G IC A L
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N — Continued
Printing industry,
Chicago Lithogra
phers Association,
and other employers.
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F I T S
M E D IC A L
Allowance
Allowances for—
Most
expensive
operation
Tonsillectomy
Appendec
tomy
Employee and dependents
$400
$60
$200
Covers cases
in—
Home
Office
Hospital
Hospital,
office, home,
$ 5 per $3 per $ 5 per visit.
elsewhere.
visit. visit.
Benefits begin
Elsewhere
Maximum
compensation
Sickness
Accident
Number
of visits
paid for
Number
of days
paid for
Employee only
$ 200 per disa
bility.
Lithographers, L ocal4.
2d day of 1st day
total dis of total
ability.
disa
bility.
1 per
day; 26
weeks
per dis
ability.
January 1966.
(1
2)
Employee and dependents
The B. F. Goodrich
Co.
$450
Rubber Workers.
$6 7 . 50
$ 157.50
Hospital,
office, home,
elsewhere.
Employee and dependents
$ 5 per day.
$ 1,825 per
disability.
1st day.
1st day.
January 1966.
1 Excludes such benefits as X -ra y , anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital.
2 If disabled for at least 7 days, entitled to 3 visits within 31 days after returning to work.
See EXPLANATORY NOTES.
365
per
disa
bility.
45
Under Collective Bargaining, Early 1966— Continued
F IN A N C IN G
M A T E R N IT Y B E N E F I T S
Surgical
Hospitalization
Accident and.
sickness
Regular
benefits
for 6
weeks.
Daily
benefit
or service
Duration
(types and amounts)
$ 220 for room, board and
extra services.
Employee
Company
Employee only
Employee and dependent
-------------- ,-----------------!-------------$ 100
Benefits for—
O T H E R B E N E F IT S
Schedule
allowance
for normal
delivery
Extra
allowance
or service
Jointly
Employee's dependents
Company
Jointly
Amount employee contributes
Employee
None (company pays $ 5 . 50 per week).
Diagnostic X -ray allowance, if no other benefits are pay
able— $ 50 per condition.
Employee and dependents
Supplemental major medical expense benefit— 80 percent of
expenses not covered by other plan benefits, incurred during
each benefit year, which are in excess of $ 100; maximum—
$ 1 0 ,000 during lifetime.
Regular
benefits
for 6
weeks.
Employee and dependents
Semi
private
room.
365 days. Full cost
of speci
fied serv
ices.
$90
Diagnostic X-ray allowance for nonhospitalized cases:
Employee— $ 100 per condition during any 12 consecutive
months.
Dependents— $ 100 during any 12 consecutive months; total
applicable to all dependents.
X -ray and radium therapy allowance for treatment in or
out of hospital— $200 during any 12 consecutive months.
Visiting nurse benefit (after confinement in hospital for at
least 15 days)— $6 per day; maximum— $90 (for 15 visits)
during any 12 consecutive months.
None (company pays full cost).
46
Digest o f Selected Health and Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N
The Dow Chemical
Co.
E L IG IB IL T Y
R E Q U IR E M E N T S
(when new
employees become
eligible)
Amount
Before
age—
Immediately or
1st of following
month.
Standard hourly base rate 1
After 90 days'
union member
ship and covered
employment.
$ 1, 000
February 1966.
Bethlehem Steel Co.
February 1966.
Luggage and leather
goods industry,
various employers.
Less than $ 2. 531
$ 2 . 531 to $ 2 . 969
$ 2. 969 to $ 3 ,4 0 7
$ 3 ,4 0 7 to $ 3 . 918
$ 3. 918 to $ 4 . 356
$ 4 . 356 and over
Paid in—
Maintained
___________________ _________________
___________________ _________________
___________________
___________________ _________________
......................
................ .
Insurance
60
Graduated
according to —
Death or
m ultidis
memberment
X
Until age 65; there
after, a reduced
amount. 2
60
$ 10,000
Amount
Cases
covered
Insurance is —
50 or
between
age 50
and age
60 with
less
than 10
years'
service.
After 3 months'
employment.
District 50, United
Mine Workers.
Steelworkers.
A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T
If permanently and totally disabled
X
$ 4 ,5 0 0
5,000
5. 500
6.000
6. 500
7. 000
Leather Goods,
Plastic and
Novelty Workers.
National Plan.
January 1966.
1 Rates include effect of general changes in wage rates subsequent to August 1963.
2 Standard hourly base rate prior to disability
Amount maintained after age 65
Less than $2. 531 ___________________________ $ 1, 300
$2. 531 to $2. 969 ___________________________
1,350
$ 2. 969 to $ 3. 407 ___________________________
1,400
NOTE:
Footnote 1 also applies to these wage rates
Standard hourly base rate prior to
$ 3 ,4 0 7 to $3. 918
$3. 918 to $4. 356
$4. 356 and over
disability
Amount maintained after age 65
____________________________ $ 1 ,4 5 0
____________________________
1, 500
____________________________
1,550
Single dis
memberment
47
Under Collective Bargaining, Early 1966
HOSPITALIZATION
ACCIDENT AND SICKNESS
Duration of benefits
Cases
covered
Amount
Period
26
weeks
per dis
ability.
Nonoccu- $ 35 per week.
pational.
Benefits begin
Except
After
age—
Benefits
limited to—
_
_
Accident
Sickness
8th day
or 1st
in hos
pital.
8th day
or 1st
in hos
pital.
Extended coverage
Daily
benefit
or
service
Duration
Days
Daily
amount
Basis of
payment per—
Maximum
room and
board
allowance
Extra allowance
or service
Year
Disa
bility
Emergency
out-patient
care benefit
or service
Employee
$ 18
365 days.
$ 6 , 570
X
$ 200, plus
75 percent
of next
5, 000 of
charges.
X
Same as
above.
X
$ 200, plus 75
percent of next
$ 5 , 000 of
charges.
Required
services
provided.
Dependents
$ 17
Nonoccupational.
Standard hourly wage rate 1
Less than $ 2. 531
$ 2 . 531 to $ 2 . 969
$ 2 . 969 to $ 3 ,4 0 7
$ 3 ,4 0 7 to $ 3 . 918
$ 3 . 918 to $ 4 . 356
$ 4 . 356 and over
_____________ ___________
_____________ ___________
_____________ _________
_____________ ___________
_____________ ___________
_____________ ___________
Weekly benefit 26
weeks
per dis
$ 63
ability.
66
69
72
75
78
Occupa
tional.
50 percent of weekly wage—
minimum— $ 10.
maximum— $ 4 5.
_
—
—
$ 6, 205
Same as above.
—
Employee and dependents
1st day. 8th day.
Semi
private
room.
365 days.
Full cost of
specified
services.
Difference between workmen's compensation benefit
and above amounts.
Nonoccupational.
_
Same as
above.
20
we eks
per dis
ability.
_
_
Employee 3
8th day. 8th day.
$ 18
31 days.
—
—
$558
$90
—
X
Dependents 3
$ 15
Same as
above.
B e n e fit s d e s c r i b e d a r e t h o s e a v a ila b le to the la r g e s t g r o u p o f e m p lo y e e s c o v e r e d by the p lan and t h e ir d e p e n d e n ts .
$465
$75
X
—
48
Digest o f Selected Health and Insurance Plans
S U R G IC A L
C O M P A N Y , U N IO N ,
AND DATE OF
I N F O R M A T IO N — Continued
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F I T S
Allowances for—
Most
expensive
operation
Tonsillectomy
Appendec
tomy
$ 150
$60
$300
February 1966.
Home
Hospital,
office, home,
elsewhere.
Under age 12,
$40; over age
12, $50.
$50
Hospital
Elsewhere
Sickness
Accident
1st day.
1st day.
Number
of visits
paid for
Number
of days
paid for
Employee and dependents
$5 for each day of
confinement.
$ 1,825 per
disability.
365
per
disa
bility.
(2)
Employee and dependents
$300
Office
$ 125
(2)
(2)
Bethlehem Steel Co.
Benefits begin
Maximum
compensation
(3)
Dependents
$250
Steelworkers.
Allowance
Covers cases
Employee
The Dow Chemical Co.
District 50, United
Mine Workers.
M E D IC A L
$ 150
Hospital,
office, home,
elsewhere.
Employee and dependents
February 1966.
Luggage and leather
goods industry,
various employers.
Employee and dependents
$250
$37. 50
$ 125
Hospital,
office, home,
elsewhere.
Employee and dependents
Leather Goods, Plastic
and Novelty Workers.
National Plan.
January 1966.
1 Excludes such benefits as X -ra y , anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital.
See EXPLANATORY NOTES.
2 Plus 75 percent of charges in excess of allowance for specific procedure plus $ 100; maximum— $ 1, 500.
3 If surgical operation performed, allowance is greater of (a) $5 for each day of hospital confinement up to day of operation or (b) $5 for each day of confinement minus surgical operation
allowance.
49
Under Collective Bargaining, Early 1966-----Continued
MATERNITY BENEFITS
Hospitalization
Accident and
sickness
Daily
benefit
or service
OTHER BENEFITS1
(types and amounts)
Schedule
allowance
for normal
delivery
Benefits for—
Employee
Company
Jointly
Employee's dependents
Company
Jointly
Employee
I
i
i
$ 250 maternity allowance. 4
i
»
i
Dependent
1
l
l
i
$2 25 matern ity allowancie .4
Regular
benefits
for 6
weeks.
Regular
benefits
for 6
weeks.
Duration
Surgical
Extra
allowance
or service
Benefits for employee only, $ 1. 49 per week; for
employee and dependents, $ 2 . 21.
Employee and dependents
Semi
private
room.
10 days.
Full cost
of speci
fied serv
ices.
Amount employee contributes
Employee
$90
None (company pays full cost).
Anesthesia allowance (for surgery performed in or out of
hospital, if administered by licensed physician other than
operating surgeon or his assistant or employee of hospital)—
if surgical benefit is $ 100 or under, $ 2 0 ; if surgical bene
fit is over $ 100, 20 percent of surgical benefit.
Diagnostic X-ray allowance for cases in or out of hospital—
$75 during any 12-month period.
Diagnostic examination allowance for cases in or out of
hospital— $ 75 during any 12-month period.
Radiation therapy allowance for cases in or out of hospital—
$ 10 per treatment; maximum allowance per condition ranges
from $50 to $200.
(5)
$ 10 per
week for
6 weeks.
Employee and dependents
Employee 6
$ 18
14 days.
$90
$ 62. 50
Employee only
Dependent6
$ 15
Same as
above.
$75
Anesthesia allowance (for surgery performed in or out of
hospital)— 20 percent of surgical procedure allowance.
Same as
above.
Eye care benefit— $ 6 per year.
Plus $ 10 if circumcision on baby is performed during first 14 days. Amount payable to hospital cannot exceed 60 percent of allowance.
The above.services are covered in full, if performed by a hospital employee in the out-patient department of the hospital.
Hospital benefits described are those available to the largest group of employees covered by the plan and their dependents.
None (company pays full cost).
50
Digest o f Selected Health and Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N
A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T
If permanently and totally disabled
R E Q U IR E M E N T S
(when new
employees become
eligible)
Amount
Before
age—
Maintained
Socony Mobil Oil
Co. , Inc.
Immediately or
1st of following
month.
March 1966.
Typographers,
Local 6.
March 1966.
Pittsburgh Plate
Glass Co.
Glass and Ceramic
Workers.
March 1966.
1
2
payable
3
4
1st of month coin
ciding with or
next following a
4 -month period
during which em
ployee has been
employed or dili
gently seeking
employment with
in the Union's
Newspaper
Branch and has
worked at least
one shift of cov
ered employment.
__________
__________
__________
_______
__________
__________
___
$ 1, 000
Life insurance
and accident and
sickness benefits:
After 6 months'
employment.
.
60
Nonoccupational disability
60
—
(‘ > (’ )
Graduated
according to—
Da o
e th r
m
ultidismm e e t
e b rmn
Single dis
mm e e t
e b rmn
Nonoccu Earnings.
pational;
occupa
tional.
One-half of
life insur
ance.
Onefourth of
life in
surance.
Nonoccu
pational;
occupa
tional.
X
—
$ 800
1,600
2,400
3, 200
4 ,000
4 ,800
5,600
6,400
7,200
8, 000
8, 800
9 t 600
10,400
1l r 200
12,000
800
Men— $ 5 , 000.
Women— $ 3 , 500.
Other benefits:
After 1 month's
employment.
Paid in—
X
60
_______
______
$600 to $ 1,000 ______________
$ 1, 000 to $ 1,400 ____________ —
$ 1,400 tr> $ 1,800
$ 1, 800 to $ 2, 200 ____________
$ 2, 200 to $ 2 , 600 ____________ —
$ ? .^ 0 0 M $ ^ 0 0 0
.........
$ a' 000 tr» $ a '400
$ a' 400 to $ \ aoo
$3*, 800 to $ 4 , 200
_____ —
$ 4 , 200 to $ 4 , 600 ____________
$ 4, A00 to $ S, 000
$ 5, 000 to $ 5 ,4 0 0 ____________ —
$ 5 ,4 0 0 to $ 5, 800 ____________
$ 5, 800 to $ 6 , 200
___
and up in increments of $400
Various unions.
Publishers1
Association of
New York City.
Insurance
Annual basic rate of pay
A on
mu t
Cases
covered
Insurance is —
Same as life
insurance.
One-half
of life in
surance.
____
____
_____
_____
Install
ments.
Occupational disability
X
No accident and sickness insurance benefit provided by plan; employees covered by paid sick-leave plan.
Benefits vary from locality to locality; the benefits described are those available to employees in Beaumont, Tex. , the largest group of employees under collective bargaining, and are
after the employees pays the first $25 of expenses.
Effective Apr. 1, 1966: $ 5 ,0 0 0 .
No accident and sickness insurance benefit provided by plan; employees covered by New York State disability benefits.
See appendix A.
51
Under Collective Bargaining, Early 1966
ACCIDENT AND SICKNESS
HOSPITALIZATION
Benefits begin
Duration of benefits
Cases
covered
Amount
Period
Except
After
age—
Benefits
limited to—
Accident
Si ckness
_
_
_
_
_
_
(M
(M
(*)
(M
(M
i1 )
(4)
(4)
Extended coverage
Duration
Days
Daily
amount
_
(M
Daily
benefit
or
service
(4)
(4 )
(4)
(4)
Basis of
payment per—
Maximum
room and
board
allowance
Extra allowance
or service
Year
Disa
bility
Emergency
out-patient
care benefit
or service
Employee and dependents 2
$12
70 days.
180
$6
$ 1 ,9 2 0
X
$200, plus 80
percent of next
$1, 800 of
charges.
$200, plus
80 percent
of next
$1,8 0 0 of
charges.
X
$10
X
$7. 25
X
Required
services
provided.
Employee and dependents 2
(4)
Plan A 5
Semi
private
room.
120 days.
—
Full cost of
specified serv
ices.
—
—
Plan B 5
7
Semi
private
room.
Nonoccu- $50 per week.
pational.
26
weeks
per
disa
bility.
_
_
21 days.
180
50 per
cent of
cost of
sem i
private
room.
Full cost of spe
cified services
for 1st 21 days,
50 percent of
cost for addi
tional 180 days.
Employee and dependents 8
8th day. 8th day.
Semi
private
room.
120 days.
Full cost of spe
cified services.
5 Plan A benefits are provided employees and dependents who selected Health Insurance Plan of Greater New York for surgical-medical care benefits. Plan B benefits are provided for other
employees and dependents.
6 Additional insurance provided at employee's expense.
7 Plus $100 a month, payable to the surviving spouse (widow, dependent widower, or widower with a dependent child) age 50 or over on date of employee's death, beginning with the 25th month
(13th month for a widower) and payable until the earlier of death, remarriage, or age 62 (not payable for any month widow qualifies for Mother's Insurance under Social Security).
8 Hospital Service Association of Western Pennsylvania (Blue Cross plan) for Creighton, Pa. , plant employees; employees in other plants covered by different programs.
52
Digest o f Selected Health and Insurance Plans
S U R G IC A L
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N — Continued
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F I T S
M E D IC A L
Allowances for —
Most
expensive
operation
Tonsillectomy
Allowance
Appendec
tomy
Employee and dependents 1
2
Socony Mobil Oil
Co. , Inc.
$250
Various unions.
Under age 12,
$ 36; over age
12, $60.
$150
Covers cases
in—
Home
Office
Hospital
Benefits begin
Elsewhere
Maximum
compensation
Sickness
1st day.
Number
of days
paid for
Home
and
office:
21 per
year.
Hospi
tal:
70 per
disa
bility.
1st day.
2d day.
Number
of visits
paid for
Accident
1st day.
Employee and dependents
Hospital,
office, home,
elsewhere.
$4 for each day of
confinement.
March 1966.
$250 per disa
bility.
(34
)
5
Employee and dependents
Publishers'
Association of
New York City.
Optional plan A
Provided by Health Insurance Plan of Greater New Y ork6
Typographers,
Local 6.
Optional plan B
Provided by Group Health Insurance, In c.7
March 1966.
Optional plan C
—
Pittsburgh Plate
Glass Co.
Glass and Ceramic
Workers.March 1966.
Individual coverage, $ 4 ,0 0 0 ;
family, $ 6 ,0 0 0 .
(9)
$300
$165
Hospital,
office, home,
elsewhere.
Employee and dependents 9
$450
Hospital,
office, home,
elsewhere.
$60
$50
$150
(9)
$9
$ 6 . 50
1st day, $ 15 per
day; 2d day,’ $ 10
per day; thereafter,
$6 per day.
Employee 9
$ 5 per $4 per 1st day, $15; 2d
visit. visit. day, $10; 3d
through 10th day,
$4 per day; there
after, $3 per day.
(i°)
Home:
$105 peryear.
Office:
$ 84 per year.
Hospital:
$ 237 per d is
ability.
Home
Home
and
and
office:
office:
4th visit. 4th visit.
Hospital:
1st day.
Hospital:
1st day.
1st day.
1st day.
Dependents 9
Same as above.
$237 per disa
bility.
(10)
70 per
disa
bility.
i
1 Excludes such benefits as X -ray , anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital. See EXPLANATORY NOTES.
2 Benefits vary from locality to locality; the benefits described are those available to workers in Beaumont, Tex. , the largest group of employees under collective bargaining, and are payable
after the worker pays the first $25 of expenses.
3 If surgical operation performed, allowance is the 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.
4 No accident and sickness insurance benefit provided by plan; employees covered by paid sick-leave plan.
5 At age 65, employee's contributions for life and accidental death and dismemberment insurance cease; company pays full cost.
53
Under Collective Bargaining, Early 1966— Continued
M A T E R N IT Y B E N E F I T S
Hospitalization
Accident and
sickness
Daily
benefit
or service
Surgical
Extra
allowance
or service
Duration
O T H E R B E N E F IT S
(types and amounts)
Schedule
allowance
for normal
delivery
Company
Employee and dependents
-------------------------n ---------------------- 1
r~
$250 maternity allowance.
(4 )
Employee's dependents
Employee
Jointly
Company
x
Jointly
x
Emergency diagnostic X -ra y allowance if no other plan
benefits are payable— $ 10 per condition.
Amount employee contributes
Employee
Life and accidental death and dismemberment
insurance: 5
Annual basic rate of pay
Monthly contribution
Less than $600 ________________
_
$ 600 to $ 1,000 __________
$ 1, 000 to $ 1, 400 ______________
..............
$ 1,400 to $ 1, 800
$ 1, 800 to $ 2,,200 ______________
_ __ __
$ 2 , 200 to $ 2, 600 _
$ 2 , 600 to $ 3,,000 ______________
$ 3 , 000 to $3,.400 ______________
$ 3 ,4 0 0 to $3, 800 ______________
$ 3 , 800 to $4,,200 ______________
$ 4 , 200 to $4,, 600 ______________
_ _
$ 4 , 600 to $5, 000 ________
$ 5 ,0 0 0 to $5,,400 ______________
$ 5 ,4 0 0 to $5,,800 ______________
$ 5 , 800 to $6,,200 ______________
and up :In increments of $400 __
Supplemental major medical expense benefit— 80 percent offirst $ 1, 000 of expenses and 90 percent of expenses in ex
cess of $ 1,000 that are not covered by other plan benefits,
incurred during a 12-month period which are in excess of
$75; maximum—$5,000 per year, $ 1 ,0 0 0 during lifetime.
$0. 40
80
1. 20
1. 60
2. 00
2. 40
2. 80
3. 20
3. 60
4. 00
4. 40
4. 80
5. 20
5. 60
6. 00
40
Other benefits:
Benefits for employee only, $ 4 . 92 per month;
for employee and dependents, $ 15. 24.
Employee and dependents
Dependent only
x
x
None (company pays $ 1. 35 per shift worked). 6
8
7
Optional plan A
Benefits provided by Health Insurance Plan of Greater New York 61
0
Optional plan B
Benefits provided by Group Health Insurance, In c .7
Optional plan C
$80 for room, board and
extra services.
1
Regular
benefits
for 6
weeks.
$ 125
1
Employee and dependent1
1
Semi
private
room.
10 days.
Full cost
of speci
fied serv
ices.
$90
Anesthesia allowance for cases in or out of hospital— 20 p er
cent of amount payable for surgical procedure; minimum—
$ 10, maximum— $ 50
—
X
X
Life insurance and accident and sickness
benefits:
None (company pays full cost).
Other benefits:
Balance of cost (company pays $ 8. 25 per month
for benefits for employee only; $17. 50 for
employee and dependents).
6 See appendix C.
7 See appendix B.
8 Effective Apr. 1, 1966: $1. 616 per shift worked.
9 Medical Service Association of Pennsylvania (Blue Shield plan) for Creighton, P a ., plant employees; employees in other plants covered by different programs.
10 Plus 1 bedside consultation visit per disability, $15.
1 Hospital Service Association of Western Pennsylvania and Medical Services Association of Pennsylvania (Blue Cross and Blue Shield plans) for Creighton, P a ., plant employees; employees in
1
other plants covered by different programs. Benefit available to newly insured after 1 year of coverage.
54
Digest o f Selected Health and Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N
Lever Brothers Co.
A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T
E L IG IB IL T Y
R E Q U IR E M E N T S
permanently and totally disabled
(when new
employees become
eligible)
After 3 months'
employment.
Chemical Workers;
Oil, Chemical and
Atomic Workers.
Amount
Maintained
Paid in
65
Before age 65:
Basic annual straight-time earnings
$1 , 000 to $ 2 ,0 0 0 -----------------------------------$ 2 , 000 to $ 3 , 000-----------------------------------$ 3 , 000 to $ 4 , 000-----------------------------------$ 4 , 000 to $ 5 , 000-----------------------------------$ 5 , 000 to $ 6 , 000-----------------------------------$ 6 , 000 to $ 7 ,0 0 0 -----------------------------------$ 7, 000 to $ 8 , 000-----------------------------------$ 8, 000 to $ 9 , 000-----------------------------------$ 9 , 000 to $ 10, 000 --------------------------------$ 10, 000 to $ 1 1 ,0 0 0 -------------------------------and up in increments of $1 , 000 ------------
February 1966.
Before
age-
Amount
cases
covered
Insurance is—
60
-----------------
Installments.
7,000
8 ,0 0 0
9,000
-----------------------------------------
Single dis
memberment
$ 1 ,0 0 0
2,000
3,000
4 ,0 0 0
5,000
-------------------------------------
Death or
multidis
memberment
Install
ments.
Insurance
-------------------------------------------------------------------------------------------
Graduated
according to—
10,000
1,000
--------------
6,000
After age 65:
None
C)
Sinclair Oil Corp.
After 6 months
employment.
Oil, Chemical and
Atomic Workers.
Before age 65:
Amount equal to 2 years' base salary.
After age 65:
80 percent of 1 year's base salary.
January 1966.
Continental Can Co.
Inc.
Steelworkers.
February 1966.
Immediately or
1st of following
month.
Insurance
Annual base pay
Less than $ 4 ,0 0 0 ______
$ 4, 000 to $ 5 , 000______
$ 5 , 000 to $ 6 , 000______
$ 6 , 000 to $ 7 ,0 0 0 ---------$ 7 , 000 to $ 8 , 00 0 ______
$ 8, 000 to $ 9 , 000---------$ 9, 000 to $ 10,000 _____
$ 1 0 ,0 0 0 to $ 1 1 ,0 0 0 -----and up in increments of
to $ 35, 000 and o v e r -----
65
$ 6 , 000
8 , 000
10,000
12,000
000.
14, 000
16,000
18,000
20,000
2,000
70,000
Additional insurance provided on a contributory basis; part of it is continued after age 65.
No accident and sickness insurance benefit provided by plan; employees covered by paid sick-leave plan.
For an additional 245 days, $5 per day allowed for room, board and extra services.
Until age 65; there
after, $ 1, 375.
Nonoccupational;
occupa
tional.
$ 1, 000
$500
55
Under Collective Bargaining, Early 1966
H O S P I T A L IZ A T I O N
A C C ID E N T A N D S IC K N E S S
Benefits begin
Duration of benefits
Cases
covered
Except
After
age—
Benefits
limited t o -
Extended coverage
Daily
benefit
Duration
Accident
Days
Daily
amount
Maximum
room and
board
allowance
Basis of
payment per—
Extra allowance
or service
Year
Disa
bility
Emergency
out-patient
care benefit
or service
Employee and dependents— nonoccupational disability cases
(2 )
(2 )
(2)
(2 )
(2)
(2 )
(2 )
Semi
private
room.
120 days.
(3)
(3)
—
Full cost of
specified
services.
—
X
Required
services
provided.
(3)
Employee only— occupational disability cases
------------- !----------------- 1
--------- 1
---------------1
------------------1
----------------------------- 1
----------1
---------1
----------------Difference, if any, between workmen's compensation benefit and above benefits.
Employee and dependents
(2 )
(2)
Nonoccu Less than 2 years of service:
pational.
Annual base pay
Weekly benefit
Less than $ 4 , 000---------------------------------------$ 5 0 .5 0
$ 4 , 000 to
4 ,5 0 0 _________________________
58.00
4 , 500 to
5 ,0 0 0 -------------------------------------60.50
5, 000 to
5 ,5 0 0 ------------63.00
5, 500 to
6, 0 0 0 -------65.50
6, 000 to 6, 50 0 ---------------------------------------68. 00
6, 500 and o v e r -------------------- --------------------70. 50
2 but less than 10 years of service:
28 times average straight-time hourly rate.
10 years of service or more:
Same as above.
Occupa
tional.
( 2)
52
weeks
per dis
ability.
(2 )
(2 )
(2)
(2 )
1st day. 8th
day or
1st in
hospi
tal.
$ 15
120 days.
Semi
private
room.
365 days.
104
weeks
per dis
ability.
260
weeks
per dis
ability.
( 5)
4 Benefits for more than 104 weeks are payable only until disabled workers qualify for an unreduced pension benefit.
5 Provided as part of the negotiated supplemental unemployment benefit plan.
6 Effective Dec. 1, 1966: For employees with at least 10 years of service, 7 30 days.
—
$1800
$200, plus 75
percent of next
$5, 000 of
charges.
__
X
$200, plus
75 percent
of next
$5, 000 of
charges.
Employee and dependents
Difference between workmen's compensation benefit
and above amounts.
( 5)
—
(6 )
Full cost of
specified
services.
Specified
services
provided.
56
Digest o f Selected Health apd Insurance Plans
S U R G IC A L
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N — Continued
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F I T S
Allowances for —
Most
expensive
operation
Tonsillectomy
Allowance
Appendec
tomy
Employee and dependents—
nonoccupational cases
Lever Brothers Co.
Chemical Workers;
Oil, Chemical and
Atomic Workers.
M E D IC A L
$350
$52. 50
Covers cases
in—
Hospital,
office, home,
elsewhere.
$ 175
Home
Office
Hospital
Benefits begin
Elsewhere
Maximum
compensation
Sickness
1st day.
Number
of days
paid for
Number
of visits
paid for
Accident
1st day.
Employee and dependents
$ 5 for each day of
confinement.
$ 300 per disa
bility.
60 per
disa
bility.
February 1966.
Employee only— occupational cases
i
Difference, if any, between workmen's
compensation benefits and a t>ove
benefits.
Employee and dependents
Sinclair Oil Crop.
Oil, Chemical and
Atomic Workers.
$275
Under age 12,
$33; over age
12, $55.
$ 137. 50
Employee only— occupational disability cases
i q
1
1
1
i
1
Differ einee, if ■
,
any, between workmein's compen sation benefits and above b•enefits.
Hospital,
office, home,
elsewhere.
January 1966.
i
l
Employee and dependents
$ 3 for each day of
confinement.
$ 250 per disa
bility.
1st day.
1st day.
1st day.
1st day.
(3)
Employee and dependents
Continental Can Co. ,
Inc.
$300
Steelworkers.
Under age 12,
$36; over age
12, $60.
Hospital,
office, home,
elsewhere.
$ 150
February 1966.
Employee and dependents
$4 for each day of
confinement.
$ 124 per disa
bility.
31 per
disa
bility.
(6)
(5)
(5)
(5)
1 Excludes such benefits as X -ra y , anethesia, and electrocardiogram allowances if they are provided only for services performed in a hospital. See EXPLANATORY NOTES.
2 Employee may secure additional life insurance on a contributory basis.
3 If surgical operation performed, allowance is greater of (a) $3 for each day of hospital confinement up to day of operation; and (b) $3 for each day of confinement minus surgical
operation allowance.
4 Payable irrespective of actual charges.
57
Under Collective Bargaining, Early 1966-----Continued
FINANCING
MATERNITY BENEFITS
Hospitalization
Accident and
sickness
Dailv
benefit
or service
Surgical
Schedule
allowance
for normal
delivery
Extra
allowance
or service
Duration
OTHER BENEFITS
(types and amounts)
$125
Full cost
of speci
fied serv
ices.
8 days.
Diagnostic X -ray allowance for nonhospitalized cases—
$25 per disability.
Supplemental major medical expense benefit— 80 percent
of first $ 3, 125 of expenses not covered by other plan bene
fits, incurred during any one disability which ard in excess
of $ 100; 100 percent of next $ 2 ,5 0 0 of expenses; maximum—
$ 5, 000 per disability or 36 months of benefits, whichever
is less.
Employee and dependents
1
i
r
~7
$150 maternity allowance. 4
Employee
Company
Employee and dependents
Sem iprivate
room.
Benefits for—
Jointly
Employee's dependents
Company
Jointly
Amount employee contributes
Employee
Employee's benefits and dependents' benefits
except major medical: None (company pays
full cost). 2
Dependents' major medical benefit:
Full cost.
Life insurance in excess of $ 1, 000:
$0. 55 per $ 1, 000 of insurance.
Supplemental major medical expense benefit— 75 percent
of expenses not covered by other plan benefits, incurred
during each year, which are in excess of $ 100; maximum—
$ 5, 000 during lifetime.
Accidental death and dismemberment benefit:
None (company pays full cost).
Hospital, surgical and medical benefits:
Benefits for employee only, $2. 25 per month;
for employee and children, $ 5 .4 5 ; for em
ployee and wife or employee, wife, and
children, $ 6 .0 2 .
Major medical benefit:
Benefits for employee only, $ 1.78 per month;
for employee and dependents, $ 4. 38.
Regular
benefits
for 6
weeks.
Employee and dependents
Semiprivate
room.
14 days.
Full cost
of speci
fied serv
ices.
$90
(5 )
6
None (company pays full cost).
Anesthesia allowance (for surgery performed in or out of
hospital, if administered by licensed physician other than
operating surgeon or his assistant or employee of hospital)—
if surgical benefit is $ 100 or under, $20; if surgical bene
fit is over $100, 20 percent of surgical benefit. 5
Diagnostic X -ray allowance for cases out of hospital— $75
during any 12-month period.
Diagnostic examination allowance for cases in or out of
hospital— $75 during any 12-month period.
Radiation therapy allowance for cases in or out of hospital—
$ 10 per treatment; maximum allowance per condition
ranges from $50 to $200.
(7 )
5 Effective Dec. 1, 1966:
Reasonable and customary charge.
For an employee earning $ 7 , 500 annually or m ore, the plan will pay the amount it would pay if the employee earned
less than $ 7 ,5 0 0 annually.
6 If surgical operation performed, allowance is greater of (a) $4 for each day of hospital confinement up to day of operation; and (b) $4 for each day of confinement minus surgical
operation allowance.
7 The above services are covered in full if performed by a hospital employee in the out-patient department of the hospital.
58
Digest o f Selected Health and Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND DATE OF
I N F O R M A T IO N
United States
Rubber Co.
Rubber Workers.
January 1966.
E L IG IB IL T Y
R E Q U IR E M E N T S
(when new
employees become
e ligible)
Life insurance
and accident and
sickness benefit:'
1st of 2d month
following month
in which employ
ment begins.
A C C I D E N T A L D E A T H A N D D IS M E M B E R M E N T
If permanently and totally disabled
Amount
Before
age—
6.5
$ 6 ,5 0 0
Amount
Cases
Insurance is—
Maintained
covered
Paid in—
Until age 65; there
after, reduced ap
proximately $142
monthly for 30
months to minimum
of $ 2 ,2 5 0 .
Graduated
according to—
Death or
multidis
memberment
Single dis
memberment
Nonoccu*pational.
Same as life
insurance.
Onehalf of
life in
surance.
Nonoccu- Earnings.
pational;
occupa
tional.
Same as life
insurance.
One£alf of
life in
surance.
Nonoccupational;
occupa
tional.
Same as life
insurance.
Onehalf of
life in
surance.
Nonoccupational.
Same as life
insurance.
Onehalf of
life in
surance.
Other benefits:
1st of 3d month
following month
in which employ
ment begins.
Owens-Illinois, Inc.
Immediately or
1st of following
Glass Bottle Blowers. month.
March 1966.
American Radiator
and Standard
Sanitary Corp.
(Louisville, K y .).
Basic hourly wage
Less than $ 1 . 9 3 --------------------------------------------------------------$ 1 .9 3 to $ 2 .4 1 ----------------------------------------------------------------$ 2 .4 1 and o v e r -----------------------------------------------------------------
Insurance
65
Install
ments
or lump
sum
(em
ployee
may
choose
either).
$ 4 ,0 0 0
5,000
6,000
Immediately or
1st of following
month.
$ 1 ,0 0 0
After 3 months'
employment.
$ 6 ,5 0 0
65
X
60
Standard Allied
Trades Council.
February 1966.
The Firestone Tire
and Rubber Co.
Rubber W orkers.
January 1966.
1
2
3
patient
4
Until age 65; there
after, reduced ap
proximately $142
monthly for 30
months to minimum
of $ 2 ,2 5 0 .
In States having temporary disability laws, benefit reduced by amount received under State laws.
Employees are eligible for this benefit after 45 days of employment.
In approved nursing home, convalescent care following confinement in hospital for at least 15 consecutive days:
was transferred, for 60 days.
Also provided in connection with surgery performed in out-patient department.
50 percent of semiprivate room rate charged by hospital from which
59
Under Collective Bargaining, Early 1966
HOSPITALIZATION
ACCIDENT AND SICKNESS
Benefits begin
Duration of benefits
Cases
covered
Amount
Period
Nonoccu- Men— $60 per week.
pational. Women— $50 per week.
(l )
Occupa
tional.
Except
26
weeks
per d is
ability.
After
age—
Benefits
limited to—
__
__
Accident
Sickness
Daily
benefit
or
service
Extended coverage
Duration
Daily
amount
Days
Basis of
payment per—
Extra allowance
or service
Emergency
out-patient
care benefit
or service
Year
Disa
bility
—
X
Required
services
provided.
—
X
$300
X
Required
services
provided.
X
Required
services
provided.
Employee and dependents
1st day. 8th day.
Sem iprivate
room.
When workmen's compensation benefits are not payable:
Same as above.
Maximum
room and
board
allowance
(3)
365 days.
—
•
—
—
Full cost of
specified
services.
(3)
(4 )
When workmen's compensation benefits are payable:
Difference between workmen's compensation benefits
and 80 percent of average straight-time weekly wage. 2
__
Nonoccu- Basic hourly wage
Weekly benefit
pational.
Less than $ 1 . 9 3 -----------------------------------------$ 3 3 .0 0
$ 1 .9 3 and over ------------------------------------------44.00
26
weeks
per d is
ability.
Occupa
1st week, same as above; next 12 weeks, 50 percent of
above amount.
tional
accidents
only.
13
weeks
per d is
ability.
Nonoccu- $50 per week.
pational.
26
weeks
per d is
ability.
__
26
weeks
per d is
ability.
__
_
_
Nonoccu- Men— $60 per week.
pational. Women— $50 per week.
Occupa
tional.
When workmen's compensation benefits are not payable:
Same as above.
When workmen's compensation benefits are payable:
Difference between workmen's compensation benefits
and 80 percent of average straight-time weekly wage. 2
Employee and dependents
1st day. 4th day.
$20
31 days.
—
—
$620
$ 30-0
1st day.
__
Employee and dependents
1st day. 8th day.
Sem iprivate
room.
__
70 days.
Full cost of
specified
services.
Employee and dependents
1st day. 8th day.
Sem iprivate
room.
(3)
365 days.
(3)
—
—
Full cost of
specified
services.
—
60
Digest o f Selected Health and Insurance Plans
M E D IC A L
S U R G IC A L
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N — Continued
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F IT S
Tonsillectomy
Appendec
tomy
Employee and dependents
United States Rubber Co.
Rubber Workers.
Allowance
Allowances for—
Most
expensive
operation
$450
$67. 50
$157. 50
Covers cases
in—
Hospital,
office, home,
elsewhere.
Home
Office
Hospital
Benefits begin
Elsewhere
Maximum
compensation
Employee and dependents
Glass Bottle Blowers.
$300
$45
$150
Hospital,
office, home,
elsewhere.
1st day.
1st day.
365
per
disa
bility.
1st day.
1st day.
31 per
disa
bility.
1st day.
1st day.
30 per
disa
bility.
1st day.
1st day.
365
per
d isa
bility.
Employee and dependents
$ 5 per day.
$ 1 ,8 2 5 per
disability.
Employee and dependents
$5 for each day of
confinement.
$ 155 per
disability.
March 1966.
American Radiator and
Standard Sanitary
Corp. (Louisville,
K y .).
Employee and dependents
$300
Under age 19,
$40; over age
19, $50.
$150
Hospital,
office, home,
elsewhere.
Number
of days
paid for
Accident
January 1966*
Owens -Illinois, Inc.
Number
of visits
paid for
Sickness
Employee and dependents
$5 for each day of
confinement.
$150 per
disability.
Standard Allied Trades
Council.
February 1966.
Employee and dependents
The Firestone Tire and
Rubber Co.
$450
Rubber W orkers.
$67. 50
$ 1 5 7.50
Hospital,
office, home,
elsewhere.
Employee and dependents
$ 5 per day.
$ 1 ,825 per
disability.
January 1966.
1 Excludes such benefits as X -ra y , anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital.
2 For nonhospitalized maternity cases $60 is provided in lieu of hospital benefit.
See EXPLANATORY NOTES.
61
Under Collective Bargaining, Early 1966— Continued
FINANCING
MATERNITY BENEFITS
Hospitalization
Accident and
sickness
Regular
benefits
for 6
weeks.
Daily
benefit
or service
Duration
Surgical
Extra
allowance
or service
OTHER BENEFITS1
(types and amounts)
Schedule
allowance
for normal
delivery
365 days. Full cost
of speci
fied serv
ices.
$90
Employee's dependents
Employee
Company
Employee and dependents
Sem iprivate
room.
Benefits for—
Jointly
Company
jointly
X
X
Amount employee contributes
Employee
None (company pays full cost).
Diagnostic X -ray allowance for nonhospitalized cases:
Employee— $100 per condition during any 12 consecutive
months.
Dependents— $100 during any 12 consecutive months; total
applicable to all dependents.
X -ra y and radium therapy allowance for treatment in or out
of hospital— $200 during any 12 consecutive months.
Visiting nurse benefit (after confinement in hospital for at
least 15 consecutive days)— $6 per day; maximum $90
(15 visits) during any 12 consecutive months.
Regular
benefits
for 6
weeks.
Employee and dependents
$ 130 foi room, be ard and ‘
extra se rvices. 2
$75
X
X
Diagnostic X -ray and laboratory examination allowance for
nonhospitalized cases— $75 per year.
10 days.
Full cost
of speci
fied serv
ices.
$90
X
X
Anesthesia allowance for cases in or out of hospital—
minimum, $ 7 .5 0 ; maximum, 15 percent of surgical sched
ule allowance.
Benefits for employee only, $1. 32 per month;
for employee and dependents, $2. 52, (company
pays $20. 87 per month per active participating
employee).
Diagnostic X -ray and laboratory examination allowance for
cases in or out of hospital— $50 per disability.
Radiation therapy allowance for cases in or out of hospital—
$300.
Regular
benefits
for 6
weeks.
Employee and dependents
Semi
private
room.
365 days. Full cost
of speci
fied serv
ices.
$90
Diagnostic X -ray allowance for nonhospitalized cases:
Employee— $100 per condition during any 12 consecutive
months.
Dependents— $100 during any 12 consecutive months; total
applicable to all dependents.
X -ray and radium therapy allowance for treatment in or out
of hospital— $ 200 during any 12 consecutive months.
Visiting nurse benefit (after confinement in hospital for at
least 15 consecutive days)— -$6 per day; maximum $90
(15 visits) during any 12 consecutive months.
$ 6 .1 0
8. 30
9 .0 5
Dependents' benefits:
One dependent, $5. 11 per month; more than
one dependent, $6.
Employee and dependents
Semi
private
room.
Monthly contribution
Less than $ 1 . 9 3 --------------$ 1 .9 3 to $ 2 .4 1 ----------------$ 2 .4 1 and over ------------—
Supplemental major medical expense benefit— 80 percent of
expenses not covered by other plan benefits, incurred during
any one calendar year, which are in excess of $50;
maximum— $10,000 during lifetime.
Regular
benefits
for 6
weeka.
Employee's benefits:
Basic hourly wage
X
X
None (company pays full cost).
62
Digest o f Selected Health and Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N
Aluminum Company
of Am erica.
A C C I D E N T A L D E A T H A N D D IS M E M B E R M E N T
If permanently and totally disabled
R E Q U IR E M E N T S
(when new
employees become
e ligible)
Amount
Before
age—
Immediately or
1st of following
month.
$ 5 ,5 0 0
65
Life insurance:
1st of month fol
lowing 6 months'
employment.
$ 5 ,0 0 0
$ 1 ,0 0 0
60
$ 2 ,0 0 0
65
Maintained
60 and
insured
for 1
year.
Aluminum Workers;
Steelworkers.
Amount
Cases
covered
Insurance is—
Paid in—
Graduated
according to—
Death or
multidis
memberment
Single dis
memberment
Until age 65, then
reduced to $3,5 0 0
and reduced by $300
on each succeeding
birthday to minimum
of $ 2 ,0 0 0 .
February 1966.
Chase Brass and
Copper Co. , Inc.
Automobile W orkers.
March 1966.
Install
ments.
Accident and
sickness benefit:
After 90 days'
employment.
Other benefits:
After 60 days'
employment.
The Florsheim
Shoe Co.
1st day of payroll
period following
1 year's service.
X
Shoe Workers,
United.
February 1966.
International Shoe Co. After 3 months'
employment.
Shoe Workers,
United.
For 1 year (or for
period insured if
less than 1 year).
February 1966.
1
2
3
4
Effective June 1, 1967: For employees with 2 years of service or m ore, increased weekly benefit amountsFor employees represented by Aluminum Workers: 365 days, regardless of service.
Effective June 1, 1966: $55.
Effective June 1, 1967: $28.
104 weeks.
Nonoccupational.
$ 4 ,0 0 0
$ 2 ,0 0 0
63
Under Collective Bargaining, Early 1966
ACCIDENT AND SICKNESS
HOSPITALIZATION
Duration of benefits
Cases
covered
Amount
Period
Weekly benefit
Nonoccu- Standard hourly wage rate
pational.
$63
Less than $ 2 .6 7 8 ---------------------------------------$ 2 . 731 to $ 2 .8 9 0 -------- ----------- ,-------------------66
69
$ 2 ,9 4 3 to $ 3 .1 0 2 ------------------- --------------------$ 3 . 155 to $ 3 .3 1 4
------72
$ 3 . 367 to $ 3 . 5 2 6 ---------------------------------------74
$ 3 . 579 to $ 3 . 7 3 8 ---------------------------------------76
78
$ 3 ,7 9 1 and o v e r ------------------------------------------
Occupa
tional.
Benefits begin
Except
After
age—
Benefits
limited to—
26
weeks
per dis
ability.
Accident
Sickness'
1st day. 8th day
or 1st
in hos
pital.
Daily
benefit
or
service
Extended coverage
Duration
Days
Daily
amount
Maximum
room and
board
allowance
Basis of
payment per—
Extra allowance
or service
Year
Disa
bility
Emergency
out-patient
care benefit
or service
Employee and dependents
Semiprivate
room.
(l )
Difference between workmen's compensation benefit
and above amounts.
Full cost of
specified serv
ices.
Less
than 10
years
service:
365 days.
10 years
service
or more:
730 days.
X
Required
services
provided.
X
Required
services
provided.
(2)
(M
Nonoccu- $50 per week. 3
pational.
Nonoccu- $25 per week.
pational.
Nonoccu- $25 per week.
pational.
6
26
weeks
per d is
ability.
13
weeks
per dis
ability.
4 $27
60
13
weeks
per d is
ability.
Effective June 1, 1967: $ 1 0 ,2 2 0 ,
Hospital benefits payable for all expenses in excess of $25.
Includes X -r a y charges incurred in doctor's office because of an accident.
Employee and dependents
1st day. 8th day.
13 weeks
during
any 12
consecu
tive
months.
365 days.
5 $9, 855
Full cost of
services.
Employee and dependents
1st day. 8th day.
$21
60 days.
$ 1 ,2 6 0
$210
X
Employee and dependents 6
1st day. 8th day.
$15
31 days.
$465
7 $240
X
7 $240
64
Digest o f Selected Health and Insurance Plans
M E D IC A L
* S U R G IC A L
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N — Continued
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F IT S
Allowance
Allowances for—
Most
expensive
operation
Tonsillectomy
Appendec
tomy
Employee and dependents
Aluminum Company
of America.
Reasonable and customary charge.2 3
Covers cases
in—
Home
Office
Hospital
Hospital,
Benefits begin
Elsewhere
Maximum
compensation
Sickness
Accident
1st day.
of visit'
paid for
1st day.
Number
of days
paid for
Employee and dependents 4
elsewhere.
$4 for each day of
confinement. 5
Aluminum Workers;
Steelworkers.
$124
31
February 1966.
Employee and dependents
Chase Brass and
Copper Co. , Inc.
$300
$45
$150
Automobile Workers.
Hospital,
office, home,
$ 3 per $2per $ 3 per visit.
elsewhere.
visit.
visit.
Employee
$3 per
visit.
March 1966.
$150 per d is -’ 4th visit.
ability.
1st visit.
1 per
day.
—
Dependents
—
Employee and dependents
The Florsheim
Shoe Co.
$360
$48
$132
—
$3 for each day of
confinement.
—
Same as above. 1st day.
1st day.
—
—
Employee and dependents
Hospital,
office, home,
elsewhere.
Shoe Workers,
United.
February 1966.
Employee and dependents
International Shoe Co.
Shoe W orkers,
United.
February 1966.
$300
$45
$150
Hospital,
office, home,
elsewhere.
Employee and dependents
$ 3 for each day of
confinement.
(i° )
$93 per disa
bility.
1st day.
1st day.
31 per
d isa
bility.
1 Excludes such benefits as X -ra y , anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital. See EXPLANATORY NOTES.
2 For an employee earnings $ 7 ,5 0 0 annually or m ore, the plan pays the amount it would pay if the employee earned less than $ 7 ,5 0 0 annually.
3 Not applicable to employees represented by the Aluminum Workers who receive cash allowances: Most expensive operation, $300; tonsillectomy, $50; appendectomy, $200; normal
delivery, $100.
4 Not applicable to employees represented by the Aluminum Workers.
5 If surgical operation performed, allowance is the 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.
65
Under Collective Bargaining, Early 1966— Continued
FINANCING
MATERNITY BENEFITS
Hospitalization
Accident and
sickness
Regular
benefits
for 6
weeks.
Daily
benefit
or service
Duration
Surgical
Extra
allowance
or service
Less
than 10
years'
service
365 days.
Full cost
of speci
fied serv
ices.
Jointly
Amount employee contributes
Employee
X
X
None (company pays full cost).
X
X
None (company pays full cost).
Diagnostic examination allowance for cases in or out of
hospital— $75 during any 12-month period.
Radiation therapy allowance for cases in or out of hospital—
$ 7. 50 per treatment; maximum allowance per condition
ranges from $50 to $200.
(8)
Employee and dependents
.
$125 fo r room, b oard and
extra s<irvices.
$75
Employee
14 days.
Company
Diagnostic X -ray allowance for cases in or out of hospital—
$75 during any 12-month period.
(6)
$21
Jointly
Reasonable Anesthesia allowance (for surgery performed in or out of hos„pital if administered by licensed physician other than oper
and cus
ating surgeon or his assistant or employee of hospital)—
tomary
charge. 2 3 Reasonable and customary charge. 2 7
10 years'
service
or more
730 days.
Regular
benefits
for 6
weeks.
Employee's dependents
Employee
Company
Employee and dependents
Semi
private
room.
Benefits for—
OTHER BENEFITS 1
(types and amounts)
Schedule
allowance
for normal
delivery
$210
Diagnostic X -ray allowance for cases in or out of hospital,
if not entitled to other plan benefits— $75.
X
X
X
X
$90
Benefits for employee only or employee and one
dependent— $0 . 98 per month; for employee and
more than one dependent— $ 1 .98.
Dependent
$21
Difference $90
between
total room
and board
charges
and $210.91
0
Employee and dependent
i
i
1
1-----------------$ 1 )0 mate m i ty allowance
<
Employee's benefits:
Life insurance— $ 0. 80 per month.
Other benefits— none (company pays full cost).
Dependents' benefits:
$4. 46 per month.
8 For employees represented by the Aluminum Workers: 365 days, regardless of service.
7 Not applicable to employees represented by the Aluminum Workers who receive the following cash allowance: If surgical benefit is $75 or le ss, $15; if surgical benefit is over $75,
20 percent of surgical benefit.
8 The above services are covered in full, if performed by a hospital employee in the out-patient department of the hospital.
9 Total room and board charges plus charges for extra services limited to $210.
10 If surgical operation performed, allowance is the 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.
66
Digest o f Selected Health and Insurance Plans
LIFE INSURANCE
COMPANY, UNION,
AND DATE OF
INFORMATION
ACCIDENTAL DEATH AND DISMEMBERMENT
ELIGIBILTY
REQUIREMENTS
If p e rm a n e n tly an d t o t a lly d is a b le d
B e fo r e
e l ig i b le )
Immediately or
1st of following
month.
Steelwo rkers.
F ebruary 1966.
Cases
In s u ra n c e i s —
a c c o r d in g t o -
60
Less than $ 2. 2 4 ------------------$2. 24 to $ 2. 66 -------------------$2. 66 to $3. 08 -------------------$3. 08 to $3. 57
$3. 57 to $3. 99
£ 3. 99 and over ------------
Full amount until
age 65, thereafter,
a reduced amount. 3
60
Standard hourly wage rate 1
—
$ 4 ,5 0 0
5.000
5.500
6.000
6.500
7,000
G r a d u a te d
co v e re d
age—
M a in t a in e d
United States Steel
Corp.
Am ount
(w h e n n e w
e m p lo y e e s b e c o m e
P a id i n —
D e a th or
m u lt id i s m e m b e rm e n t
S in g le d i s
m e m b e rm e n t
_
_
(2)
Weirton Steel Co.
Independent Steel
workers Union.
January 1966.
Life insurance:
Immediately or
1st of following
month.
Other benefits:
1st of 3d month
following month
of employment.
Employee
Annual earnings (exclusive of bonus)4
Insurance
Less than $ 1 ,5 0 0 . 01 ----------------- .----------- ---------------------------$ 1 ,5 0 0 .0 1 to $ 2 ,0 0 0 .0 0 .......................... ---------------------------$ 2 ,0 0 0 .0 1 to $ 2 ,5 0 0 .0 0 ----------------------- ----------------- ------$ 2 ,5 0 0 .0 1 to $ 3 ,0 0 0 .0 0 ---------------------------------- ---------------$ 3 ,0 0 0 .0 1 to $ 3 ,5 0 0 .0 0 --------------------------------------------------$ 3 ,5 0 0 .0 1 to $ 4 ,0 0 0 .0 0 -------- ----------- --------------------$ 4 ,0 0 0 .0 1 to $ 4 ,5 0 0 .0 0 --------------------------------------------------$ 4 ,5 0 0 .0 1 to $ 5 ,0 0 0 .0 0 -----------------------------------------------------$ 5 ,0 0 0 .0 1 to $ 6 ,0 0 0 .0 0 -------------------------------------------- ^
$ 6 ,0 0 0 .0 1 to $ 7 ,0 0 0 .0 0 -------------------------------------------------$ 7 ,0 0 0 .0 1 to $ 8 ,0 0 0 .0 0 -------------------------------------------------$ 8 ,0 0 0 .0 1 to $ 9 ,0 0 0 .0 0 -------------------------------------------------$ 9 ,0 0 0 .0 1 to $ 1 0 ,0 0 0 .0 0 ---- r — - - --------------------------and up in increments of $ 1,000 ----------- --------------------------to $ 1 2 ,0 0 0 .0 1 to $ 1 3 ,0 0 0 .0 0 --------------- --------------------------and up in increments of $ 1 ,0 0 0 ----------- ---------------- . ----to $ 2 4 ,0 0 0 .0 1 and over ------------------------ ---------------------------
$ 1 ,5 0 0
2,000
2,500
3,000
3,500
4,000
4,500
5,000
6,000
7,000
8,500
10,000
11,500
1,500
16,000
2,000
40,000
Nonoccu- Annual earnings Same as life
Install pational; up to $ 8 ,0 0 0 .0 1 . insurance up
to $10, 000.
ments. occupa
tional.
Onehalf of
life in
surance
dp to
$ 5 ,0 0 0 .
-
Dependent wife
$1,0 0 0
—
—
—
Dependent children
Age
14 days to 6 months
6 months to 2 years
2 years to 3 years —
3 years to 4 years -4 years to 5 years -5 years to 21 years Massachusetts
Leather Manufac
turers' Association.
1st of month fol
lowing 1 month's
employment.
$1,5 0 0
$50
100
200
300
400
500
At any
age.
Nonoccupational;
occupa
tional.
Same as life
insurance.
Leather Workers;
Meat Cutters.
January 1966.
Rates exclude effect of general changes in wage rates subsequent to Aug. 1, 1963:
Additional insurance provided at employee's expense.
Standard hourly base rate prior to disability
Amount maintained after age 65
Less than $ 2. 2 4 ------------------------------------------------------------$ 1,300
$2. 24 to $2. 66 -------------------------------------------------------------1,350
$2. 66 to $ 3 .0 8 -------------------------------------------------------------1,400
$3. 08 to $3. 57 -------------------------------------------------------------1, 450
Standard hourly base rate prior to disability
Amount maintained after age 65
$3. 57 to $ 3 .9 9 --------------------------------------------------------------$1, 500
$ 3 .9 9 and ov e r--------------------------------------------------------------1, 550
NOTE: Footnote 1 also applies to these wage rates.
Onehalf of
life in
surance.
67
Under Collective Bargaining, Early 1966
ACCIDENT AND SICKNESS
HOSPITALIZATION
Duration of benefits
Cases
covered
Except
After
age—
Nonoccu- Standard hourly wage rate 1
pational.
Less than $ 2. 24 -----------------$ 2. 24 to $ 2 . 66 -------------------$2. 66 to $ 3 . 08 -------------------$ 3 .0 8 to $ 3. 57 -------------------$ 3 . 57 to $ 3 .9 9 -------------------$ 3. 99 and o v e r --------------------Occupational.
Benefits begin
Weekly benefit
$63
66
69
72
75
78
26
weeks
per d is
ability.
Benefits
limited to -
Accident
Extended coverage
Daily
benefit
Days
Sickness
Daily
amount
__
__
1st day. 8th day.
Maximum
room and
board
allowance
Basis of
payment per—
Extra allowance
or service
Year
Disa
bility
Emergency
out-patient
care benefit
or service
Employee and dependents
Semiprivate
room.
365 days.
_
Full cost of
specified
services.
X
Required
services
provided.
Difference between workmen's compensation benefit and
above amounts.______________________________________________
Nonoccu- Annual earnings (exclusive of bonus)5
pational.
Less than $ 3 ,5 0 0 .0 1
3 ,5 0 0 .0 1 to $ 4 ,5 0 0 .0 0 -----------$ 4 ,5 0 0 .0 1 to $ 6 ,0 0 0 .0 0 -----------$ 6 ,0 0 0 . 01 and o v e r--------------------
Weekly benefit
$ 6 3 .0 0
70.00
77.00
80.50
26
weeks
per dis ability.
Occupa Difference between workmen's compensation benefit and
above amounts.
tional
accidents
only.
26
weeks
per d is
ability.
Nonoccu- $45 per week.
pational.
13
weeks
per d is
ability.
60
26 weeks 8th day
retro
during
any 12
active
con
to 1st
secutive after
months.
21 days
of disa
bility.
8th day
retro
Semi
active
private
to 1st
after
rootn.
21 days
of disa
bility.
Employee and dependents
365 days.
Required
services
provided.
8th day
retro
active
to 1st
after
21 days
of disa
bility.
60
Employee and dependents
13 weeks 1st day. 8th day.
per year.
$24
120 days.
Earnings classes are inclusive; e. g. , the second group includes all employees earning from $ 1 ,5 0 0 .0 1 up to and including $ 2 ,0 0 0 a year.
Earnings classes are inclusive; e. g. , the second group includes all employees earning from $ 3 ,5 0 0 .0 1 up to and including $ 4 ,5 0 0 a year.
Full cost of
services.
$ 2 ,8 8 0
Full cost of
specified
services.
Required
services
provided.
68
Digest o f Selected Health and Insurance Plans
M E D IC A L
S U R G IC A L
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N — Continued
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F I T S
Allowance
Allowances for—
Most
expensive
operation
Tonsillectomy
Appendec
tomy
Employee and dependents
United States Steel Corp.
$300
Steelworkers.
$50
$150
Covers cases
in—
Home
Office
Hospital
Benefits begin
Maximum
compensation
Elsewhere
Sickness
Accident
1st day.
1st day.
Number
of visits
paid for
Number
of days
paid for
Employee and dependents
Hospital,
office, home,
elsewhere.
February 1966.
Employee and dependents
Weirton Steel Co.
$250
Independent Steelworkers
Union.
$45
$140
Employee and dependents
Hospital,
office, home,
elsewhere.
January 1966.
Massachusetts Leather
Manufacturers'
Association.
Leather Workers;
Meat Cutters.
Individual coverage, $ 5 ,0 0 0 ;
husband and w ife,
$ 6 ,0 0 0 ; family,
$ 7 ,5 0 0 .
Employee and dependents
$300
$50
$125
Hospital,
office, home,
elsewhere.
Employee and dependents
1st day, $5; there
after, $3 per day.
$ 362 per
disability.
January 1966.
1
2
3
4
Excludes such benefits as X -r a y , anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital.
The above services are covered in full if performed by a hospital employee in the out-patient department of the hospital.
Employee covered by additional life insurance pays the full cost for this coverage.
Includes paid holidays and vacation hours.
See EXPLANATORY NOTES.
120 per
disa
bility.
69
Under Collective Bargaining, Early 1966— Continued
M A T E R N IT Y B E N E F IT S
Hospitalization
Accident and
sickness
Regular
benefits
for 6
weeks.
Daily
benefit
or service
Extra
allowance
or service
Duration
FINA NCING
Surgical
O THER B E N E F IT S 1
(types and amounts)
Schedule
allowance
for normal
delivery
10 days.
Full cost
of speci
fied serv
ices.
$90
Company
Jointly
Employee
X
None
X
X
None (company pays full cost).
X
X
None (company pays 3 . 5 cents per hour for all
hours paid for). 4
X
Anesthesia allowance (for surgery performed in or out of
hospital, if administered by licensed physician other than
operating surgeon or his assistant or employee of hospital)—
if surgical benefit is $100 or under, $20; if surgical benefit
is over $100, 20 percent of surgical benefit.
Jointly
Amount employee contributes
Employee’s dependents
Employee
Company
Employee and dependents
Sem iprivate
room.
Benefits for—
(company pays full cost). 3
(3)
Diagnostic X -ray allowance for cases in or out of hospital—
$75 during any 12-month period.
Diagnostic examination allowance for cases in or out of
hospital— $75 during any 12-month period.
Radiation therapy allowance for cases in or out of hospital—
$10 per treatment; maximum allowance per condition
ranges from $50 to $200.
(2)
Regular
benefits
for 6
weeks.
Employee and dependents
Sem i
private
room.
Full cost
of serv
ices.
10 days.
$85
Supplemental major medical expense benefit— 80 percent of
expenses not covered by other plan benefits, incurred during
each benefit year, which are in excess of $100; maximum—
$10,000 per year; $ 2 0 ,0 0 0 per disability.
Employee and dependents
i
l1
$100 f or room, board and
extra iservices.
$50
70
Digest o f Selected Health and Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND D A TE OF
IN F O R M A T IO N
International
Harvester Co.
Automobile
Workers.
March 1966.
E L IG IB IL T Y
R E Q U IR E M E N T S
(when new
employees become
eligible)
Combination term
and paid-up in
surance: After
1 month's
employment.
Other benefits:
Immediately or
1st or following
month.
A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T
If permanently and totally disabled
Amount
Before
age—
60
Group term insurance:
Before age 65:
Amount
Cases
covered
Insurance is —
Maintained
Paid in—
Until age 65; then re Install
duced 2 percent and ments .
by like-amount
' ^
monthly to minimum
(2)
of $ 1 ,5 0 0 .
(Employee may choose; either. ]
Base hourly rate
Insurance
_
$ 4 ,0 0 0
Less them $ 2. 12 - __ — - ____ _________
4 ,5 0 0
$ 2 . 12 to $ 2 . 16.........................................................................
$ 2 . 16 to $ 2 . 37___________________________________________
5,000
$ 2. 37 to $ 2. 4 0 ___________________________________________
5,500
Between Until age 65; then
$ 2 . 40 to $ 2 . 6 5 ___________________________________________
6,0 0 0
reduced as stated
$ 2 .6 5 to $ 2. 9 0 ___________________________________________
6 ,500
age 60
and 65. above.
.
7,000
$ 2. 90 to $ 3. 15.............................................. ......
$ 3. 15 to $ 3 .4 0 ___________________________________________
7 ,500
$ 3.4 0 to $ 3 .6 5 ...........................................................................
8, 000
8,500
$ 3 .6 5 to $ 3 . 90.........................................................................
$ 3. 90 to $ 4 . 15......................................................................
9, 000
$ 4 . 15 to $ 4 . 4 0 ___________________________________________
9,500
$ 4 .4 0 to $ 4 .6 5 ___________________________________________
10,000
$ 4 .6 5 to $ 4 . 9 0 ___________________________________________
10,500
$ 4 . 90 to $ 5 . 15
..................................................................
11, 000
_________ _ __ __
__
_
11,500
$5 . 15 and over __
Graduated
according to—
Death or
tnultidismemberment
Single dis
memberment
Nonoccu- Earnings.
pational
diseases;
nonoccupational
and occu
pational
acci
dents .
One-half
Onegroup term
quarter
life insurance. of group
term
life in
surance.
Nonoccupational.
Same as life
insurance.
At age 65:
Amount in effect reduced 2 percent and by like amount monthly to
minimum of $ 1, 500.
Combination term and paid-up insurance:
$ 2 , 800.
At any
age.
For 1 y e a r .3
(l )
Minnesota Mining
and Manufacturing
Co.
After 3 months*
employment.
Prior to normal retirement age:
$ 1, OOO.6
60
Lump
sum.
At normal retirement age:
Amount equal to 1 percent of amount in effect prior to normal
retirement age for each year of service.
Oil, Chemical and
Atomic Workers.
February 1966.
California Metal
Trades Association.
Various unions.
Immediately or
1st of following
month.
$ 5 , 000
60
X
Onehalf of
life in
surance.
January 1966.
1 Plus $100 a month payable for 24 months to widow (or dependent widower), dependent unmarried children under 21, or to dependent parents.
Thereafter, $10 0 a month -is payable to
widow (or dependent widower) who is age 50 or over on date of employee's death until the earlier of death, remarriage, or age 62 (not payable for ^ny month widow cam qualify for Mother's
Insurance voider Social Security).
2 For employees with 10 years of service or more who elect to receive installments, after total amount of life insurance has been paid, $500 coverage provided during remainder of
employee's total disability.
3 Upon expiration of 1 year, employee may retain paid-up insurance purchased by his contributions or receive the cash surrender value.
71
Under Collective Bargaining, Early 1966
ACCIDENT AND SICKNESS
HOSPITALIZATION
Benefits begin
Duration of benefits
Cases
covered
Amount
Except
After
age—
Weekly benefit
4 $49
56
63
70
77
84
85
90
95
100
105
110
115
120
Nonoccu- Base hourly earnings
pational. Less than $ 2. 1 2 -------$ 2 . 12 to $ 2 . 37
$ 2 . 37 to $ 2 .6 2
$ 2 .6 2 to $ 2 . 87
$ 2 . 87 to $ 3 . 12
$ 3 . 12 to $ 3 .4 0
$ 3 .4 0 to $ 3 .6 5
$ 3. 65 to $ 3. 90
$ 3. 90 to $ 4 . 15
$ 4 . 15 to $ 4 .4 0
$ 4 .4 0 to $ 4 .6 5
$ 4 .6 5 to $ 4 . 90
$ 4 . 90 to $ 5 . 15
$ 5. 15 or more
Occupa
tional.
Daily
benefit
Extended coverage
Duration
Benefits
limited to—
52
weeks
per diS'
ability.
1st day. 8th day
or 1st
in hos Semi
private
pital.
room.
Days
Daily
amount
Maximum
room and
board
allowance
Basis of
payment per—
Extra allowance
or service
Emergency
out-patient
care benefit
or service
Employee and dependents
365
days.
(5 )
46
Full cost of
specified
services.
(5 )
Required
services
provided.
(5)
Difference between workmen's compensation benefit and
above amounts.
Weekly benefit
$40
45
50
55
60
Nonoccu- Total annual earnings
pational. $ 3 , 000 to $ 3 ,5 0 0 _____
$ 3 ,5 0 0 to $ 4 , 0 00$ 4 ,0 0 0 to $ 4 ,5 0 0 .
$ 4 ,5 0 0 to $ 5 ,0 0 0 .
$ 5 , 000 and over —
26
weeks
per dis
ability.
60
26 weeks
during
any 12
consecu
tive
months.
4th day. 4th day,
Employee and dependents 7
------------- j-----------------1
--------- 1
-------------- 1
----------------- 1
----------------------------- 1
--------- 1
---------1
---------------------Comprehensive major medical expense benefit provided. See "Other Benefits" column.
Employee and dependents
(8 )
(8 )
4
5
6
7
•
Year
Disa
bility
(8)
(8)
(8)
(8)
(8 )
Ward
100 days.
accom
moda
tion.
$ 300, plus 75
percent of next
$ 4 , 000 of
charges, plus
$25 ambulance
allowance.
Maximum— 66% percent of basic weekly earnings.
Effective Oct. 1, 1966: In approved nursing homes, convalescent and long term illness care for 7 30 days. Eenefits reduced by 2 days for every 1 day in the hospital.
Also, a special death benefit is paid to the dependent beneficiary; additional insurance is provided on a contributory basis.
Benefits described are those available to employees in the St. Paul plant.
No accident and sickness insurance benefit provided by plan; employees covered by the California State temporary disability law. See appendix A.
72
Digest o f Selected Health and Insurance Plans
M E D IC A L
S U R G IC A L
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T l O N — Continued
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F IT S
Allowances for —
Most
expensive
operation
Tonsillectomy
Allowance
Appendec
tomy
Employee and dependents
International Harvester
Co.
Reasonab e and customary charge. 1
2
Covers cases
in—
Hospital,
office, home,
elsewhere.
Automobile Workers.
Home
Office
Hospital
Benefits begin
Maximum
compensation
Sickness
Accident
1st day.
Elsewhere
Number
of visits
paid for
1st day.
Number
of days
paid for
Employee and dependents
Reasonable and
customary charge. 2
5
4
365 per
disa
bility.
March 1966.
Minnesota Mining and
Manufacturing Co.
Oil, Chemical and
Atomic Workers.
Employee and dependents 7
Employee and dependents 7
1
1
--------------i
i
;
l
Comprehensive m ajor medical. expense benefit provided.
<
Benefits" column.
1
See "Other
1
!
1
1
1
1
Coraprishensive major medi<cal expense benefit provided .
1
1
i
m r
See "Otlher Benefitts " colurrin.
February 1966.
Employee and dependents
California Metal Trades
Association.
$750
Various unions.
$ 100
$200
Hospital,
office, home,
elsewhere.
$ 7 . 50 $5 per $ 5 per visit.
per
visit.
visit.
Employee
Home and
office: $500
per year.
Home and 1st visit.
office: 3d
visit.
1 per
day.
January 1966.
Hospital: $500 Hospital:
per year.
1st visit.
Dependents
Same as above.
1
2
3
4
5
$ 500 per year. 1st visit.
Same as
above.
Excludes such benefits as X -ra y , anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital.See EXPLANATORY NOTES.
For an employee earning $ 7 , 500 annually or more, the plan pays the amount it would pay if the employee earned less than $7 , 500 but at least$ 5 , 000 annually.
Effective Oct. 1, 1966: Prenatal and postnatal care benefit provided.
After Oct. 1, 1966, no
payment required of the employee if services are rendered during hospital confinement.
Effective Oct. 1, 1966: Psychotherapeutic care and psychiatric care benefits (for treatment out of hospital)— $400 per year.
Same as
above.
73
Under Collective Bargaining, Early 1966-----Continued
FINANCING
M A T E R N IT Y B E N E F IT S
Hospitalization
Accident and
sickness
Regular
benefits
for 6
weeks.
Daily
benefit
or service
Surgical
Duration
O THER B E N E F IT S 1
(types and amounts)
Schedule
allowance
for normal
delivery
Extra
allowance
or service
Company
E m p lo y e e and d e p e n d e n ts
Reasonable Diagnostic X -ra y and laboratory examination benefit—
and cus
reasonable and customary charge.. 2
tomary
Anesthesia allowance for cases in or out of hospital, if
charge.2
administered by doctor other than doctor performing
surgery— reasonable and customary charge. 2
(3)
365 days. Full cost
of speci
fied
services.
Semi
private
room.
Employee
Radiological therapy, consultation services, and technical
surgical assistance benefit— reasonable and customary
charges2 which are in excess of $5 or 10 percent of charge
for service, whichever is greater. 4
Jointly
Amount employee contributes
Employee's dependents
Company
Jointly
Employee
Combination paid-up and term life insurance:
Varies according to age of entry into plan:
Those entering at age 45 and under contribute
$ 2 .6 0 monthly; for those entering after age 45
the above amount is increased by approximately
$ 0. 17 for each additional year of age up to
maximum of $ 5. 20 for those entering plan at
age 60 and o v e r.6
Other benefits: None (company pays full cost).
Emergency first aid benefit allowance (if services are
rendered by physician within 24 hours following accident)—
$15.
(5 )
Regular
benefits
for 6
weeks.
E m p lo y e e and d e p e n d e n ts 7
I
I
None (company pays full cost).
i
$ 1 8 0 m a t e r n it y a llo w a n c e .
Comprehensive major medical expense benefit— Full cost of
1st $500 of hospital, surgical and in-hospital medical ex
penses which are in excess of $40 and 85 percent of excess
expenses; 85 percent of out-of-hospital medical and other
expenses which are in excess of $40; maximum— $ 15, 000
per lifetime.
E m p lo y e e and d e p e n d e n ts
I
I
I
$150 maternity allowance.
None (company pays $25. 25 per month per
employee).
Additional accident expense allowance (for expenses incurred
within 90 days of accident in excess of those covered by
other plan benefits)— $ 300.
Diagnostic X -ray and laboratory allowance for nonhospitalized cases— $ 300 for any one accident and all sicknesses
during any 12-month period.
E m p l o y e e 's c o n t r ib u t io n u s e d to p u r c h a s e p a id -u p in s u r a n c e ; c o m p a n y p u r c h a s e s t e r m in s u r a n c e to m ak e up d i ff e r e n c e b e tw e e n p a id -u p in s u r a n c e and $ 2 , 8 0 0 .
B e n e fits d e s c r i b e d a r e t h o s e a v a ila b le to e m p lo y e e s in the St. P a u l p la n t.
A d d it io n a l b e n e fits a v a ila b le at e m p l o y e e 's e x p e n s e .
74
Digest o f Selected Health and Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND D A TE OF
IN F O R M A T IO N
Radio Corporation
of America.
Electrical (IUE);
Electrical (IBEW).
E L IG IB IL T Y
R E Q U IR E M E N T S
(when new
employees become
eligible)
Life insurance:
Immediately or
1st of following
month.
If permanently and totally disabled
Amount
Before
age—
Insurance
Annual base wage
$ 1,200 to $ 1,800 ----------------------------------- ------------------------
Accident and
sickness benefits:
Immediately in
IN • X • aiiu IN •J « |
elsewhere, after
30 days employ
ment.
$ 6 ,0 0 0 to $ 6 , 600 ----------------------------------- --------------1--------
Other benefits:
After 60 days'
employment.
January 1966.
A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T
$ 7 ,8 0 0 to $ 8 ,4 0 0 ----------------------------------- --------------------—
$ 8 ,4 0 0 to $ 9 ,0 0 0 -------- --------------------------- ------------------------
- -
$1 500
Z, 500
3 500
4 000
5 000
7 000
8 000
60
Amount
Cases
covered
Insurance is —
Maintained
Paid in—
—
Install
ments:
full
amount.
Between
60 and
65.
—
Graduated
according to—
Death or
m ultidis
memberment
—
—
Single dis
memberment
—
Install
ments:
1 per
cent of
amount
monthly;
pay
ment
ceases
at age
65.
10!000
11 000
12 000
13*000
14,000
$250 1
4
3
2
American Can Co.
Steelworkers.
February 1966.
Immediately or
1st of following
month.
$76 00 to $88 00
$88 00 to $100 00
ffi 1 ftft no
ffi 1 1 5 3Q
$115
$126
(n o
30 tn $ 1 2 6
0 3 to $ 1 3 8
a -7 «■« « i s n
-
47
- -
............ -
03
on
$150 00 to $161 54
$161 54 to $173 08
1
2
3
4
Insurance
Base weekly earnings
-
-
-
$7
9
10
12
13
14
15
16
1g
900
200
400
000
200
400
600
800
ooo
nnn
65
Until age 65, there
after: For employ
ees with 25 years'
service or m ore, 50
percent of amount in
effect prior to age
65; for employees
with 15 years' serv
ice but less than 25,
25 percent of amount;
for employees with
10 years but less
than 15, $ 1 ,3 7 5 ; for
employees With less
than 10 years' serv
ice, none.
—
—
—
Provided in addition to insurance based on employee's annual base wage.
For employees with more than 3 years' service who are represented by the Electrical Workers (IUE), benefit payment is retroactive to first day after 2 weeks.
For Camden, N. J. , employees and their dependents; benefits for employees in other areas may vary according to local charges.
Provided in addition to basic hospital benefits; payable only if employee is continuously confined to hospital for at least 8 days and is receiving accident and sickness benefits.
—
—
75
Under Collective Bargaining, Early 1966
ACCIDENT AND SICKNESS
HOSPITALIZATION
Benefits begin
Duration of benefits
Cases
covered
Nonoccupational.
Period
Except
After
age—
Benefits
limited to—
__
__
Accident
Sickness
Extended coverage
Daily
benefit
or
service
Days
Daily
amount
Basic benefit
Weekly benefit 26
weeks
$36
Less than $60 ----------------per
38
$ 60 to $ 70 _______________
disa
40
$ 70 to $ 75 _______________
bility.
41
$ 75 to $ 80 _______________
43
$ 80 to $ 85 _______________
45
$ 85 to $ 90 _______________
48
$ 90 to $ 95 _______________
50
$95 to $ 100 ______________
53
$ 100 to $ 110 _____________
58
$ 110 to $ 120 _____________
63
$ 120 to $ 130
68
$ 130 to $ 140
73
$ 140 to $ 150
75
$150 and o v e r _______________________ ________
Average weekly earnings
Maximum
room and
board
allowance
Basis of
payment per—
Extra allowance
or service
Year
Disa
bility
Emergency
out-patient
care benefit
or service
Employee and dependents 3
8th day,
retro
active
to 1st
after 4
weeks'
disa
bility.
8th day, $17
retro
active
to 1st
after 4
weeks' $2
disa
bility.
(2)
100 days.
$ 1,700
$ 175
$75
Supplementary benefits for employee only4
20 days.
—
—
$40
(2)
Supplementary benefit
$ 2. 10 per day.
100
days
per
disa
bility.
Upon
cessa
tion of
basic
benefit.
Upon
cessa
tion of
basic
benefit.
Occupa
tional.
Difference between workmen's compensation benefit and
80 percent of base weekly wage.
12
weeks
per
disa
bility.
When
work
men's
com
pensa
tion
benefit
is pay
able.
When
work
men's
com
pensa
tion
benefit
is pay
able.
Nonocupational.
Less than 2 years of service:
Base weekly earnings
Less than $ 8 8 .0 0
$88. 00 to $ 100. 00
$ 100. 00 to $ 115. 39
$ 115. 39 to $ 126. 93
$ 126. 93 and over
52
Weekly benefit weeks
per
$53
disa
56
bility.
64
70
75
2 but less than 10 years of service:
28 times average straight hourly earnings.
Occupa
tional.
Employee and dependents
Semi
private
365 days.
104
weeks
per
disa
bility.
10 years of service or m ore:
Same as above.
1st day. 8th day
or 1st
in hos
pital.
260
weeks
per
disability.
Difference between workmen's compensation benefit and
above amount.
( 6)
( 6)
(6)
(6)
(6)
5 Benefits for more than 104 weeks are payable only until disabled workers qualify for an unreduced pension benefit.
6 Provided as part of the negotiated supplemental unemployment benefit plan.
7 Effective Dec. 1, 1966: For employees with at least 10 years of service, 730 days.
(7 )
Full cost of
specified serv-
Requixed.
services
provided.
76
Digest o f Selected Health and Insurance Plans
M E D IC A L
S U R G IC A L
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N — Continued
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F I T S
Allowance
Allowances for—
Most
expensive
operation
Appendec
tomy
Tonsillectomy
Employee and dependents 2
Radio Corporation of
America..
$300
$200
$61
Electrical (IUE);
Electrical (IBEW).
Covers cases
in—
Hospital,
office, home,
elsewhere.
Home
Office •
Hospital
Benefits begin
Elsewhere
Maximum
compensation
Number
of visits
paid for
Number
of days
paid for
Sickness
Accident
1st day.
1st day.
100 per
disa
bility.
1st day.
1st day.
31 per
disa
bility.
Employee and dependents2
$ 5 per day.
$ 500 per
disability.
(2)
January 1966.
Employee and dependents
American Can Co.
Steelworkers.
$300
February 1966.
(4)
1
2
3
4
$ 7, 500
Under age 12,
$ 36; over age
12, $60.
(4)
$ 150
Hospital,
office, home,
elsewhere.
Employee and dependents
$4 for each day of
confinement. 5
$ 124 per
disability.
(4)
Excludes such benefits as X -ray , anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital. See EXPLANATORY NOTES.
For Camden, N. J. , employees and their dependents; benefits for employees in other areas may vary according to local hospital rates.
Plus U to $20 for nursery care of infant.
P
Effective Dec. 1, 1966: Reasonable and customary charge. For an employee earning $ 7,500 annually or m ore, the plan will pay the amount it would pay if the employee earned less than
annually.
77
Under Collective Bargaining, Early 1966— Continued
F IN A N C IN G
M A T E R N IT Y B E N E F I T S
Hospitalization
Accident end
sickness
Daily
benefit ■
or service
Duration
Surgical
Extra
allowance
or service
O T H E R B E N E F IT S 1
(types and amounts)
Schedule
allowance
for normal
delivery
<2 )
14
days.
< *>
$80 3
( 2)
$110
Employee
Company
Employee and dependents
$17
Benefits for-—
Jointly
Employee's dependents
Company
Jointly
Amount employee contributes
Employee
X
X
None (company pays full cost).
X
X
None (company pays full cost).
Anesthesia allowance for cases in or out of hospital, if
surgeon makes a separate charge for anesthesia— $ 2 5 .2
(2)
Nonemergency accident and sickness allowance in out-patient
department of hospital— $ 75 per disability. 2
Nonoccupational accident X -ra y and laboratory examination
allowance for tests performed outside hospital— $50 per
accident. 2
Supplemental major medical expense benefit— 75 percent of
expenses not covered by other plan benefits incurred during
a 2-year period, which are in excess of $ 150; maximum —
$ 10,000 per disability.
R e g u la r
b e n e fits
io r 6
w eeks.
Employee and dependents
Semi
private
room.
10 days.
Full cost
of speci
fied serv
ices.
$90 4
Anesthesia allowance (for surgery performed in or out of
hospital, if administered by licensed physician other than
operating surgeon or his assistant or employee of hospital)—
if surgical benefit is $ 100 or under, $2 0 ; if surgical bene
fit is over $ 100, 20 percent of surgical benefit. 4
Diagnostic X-ray allowance for cases in or out of hospital—
$75 during any 12-month period.
Diagnostic examination allowance for cases in or out of
hospital— $75 during any 12-month period.
Radiation therapy allowance for cases in or out of hospital—
$10 per treatment, maximum allowance per condition
ranges from $50 to $200.
( 5)
6
5
If surgical operation performed, allowance is the 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.
4 The above services are covered in full if performed by a hospital employee in the out-patient department of the hospital.
78
Digest o f Selected Health and Insurance Plans
LIFE INSURANCE
COMPANY, UNIO N,
AND D A T E O F
INFO RM ATIO N
Westinghouse
Electric Corp.
Electrical (IUE).
February 1966.
If permanently and totally disabled
(when new
employees become
eligible)
Life and accidental death and dis
memberment in
surance:
Immediately or
1st of following
month.
Other benefits:
After 3 months'
employment.
Caterpillar Tractor
Co.
ACCIDENTAL DEATH AND DISMEMBERMENT
E L IG IB IL T Y
REQ UIREM ENTS
Aftfer 30 days'
employment.
Before
age-
Hourly rate
Insurance
Less than $ 1 75
..
$ 1 . 75 to $ 2. 00 .
$2 . 00 to $2. 25 .
$ 2 . 25 to $ 2 . 50 .
$ 2 . 50 to $ 2 . 75 .
$ 2 . 75 to $ 3 . 00 .
$ 3 . 00 to $ 3. 25 .
$ 3 . 25 to $ 3 . 50 .
$ 3 . 50 to $ 3 . 75 .
$ 3 . 75 to $ 4 . 00 .
$ 4. 00 and over .
$ 5, 250
6 , 000
6.750
7, 500
8, 250
9,000
9 .750
10.500
11, 250
Base hourly rate
Insurance
,
12 000
13.500
$ 5 ,0 0 0
5, 500
Less than $ 2. 63 .
$ 2. 63 to $ 2. 88
$ 2 . 88 to $ 3 . 13 _
$ 3 . 13 to $ 3 . 38 __
$ 3. 38 to $ 3. 63 ...
$ 3. 63 to $ 3. 88 ...
$ 3. 88 and over __
Automobile Workers.
March 1966.
Maintained
60 with $ 2,000
10 years'
service
and
perma
nently
and
totally
dis
abled.
60, in
sured 1
yearand
totally
dis
abled.
Paid in -
Graduated
according to—
Death or
multidis
memberment
Single dis
memberment
Install Nonoccu- Earnings.
ments , pational.
full
amount
less
$ 2 , 000 .
One-half of
life insur
ance.
Onefourth of
life in
surance.
Install
ments,
pay
ments
cease
at age
65.
Nonoccu- Earnings.
pational;
occupa
tional.
Same as life
insurance.
One-half
of life in
surance.
Nonoccupational;
occupa
tional.
Same as life
insurance.
One -half
of life in
surance.
Until age 62, then
reduced 5 percent
and by like amount
monthly to $ 2, 500
or one-third of
amount in effect
prior to original
reduction whichever
is greater.
65 and
insured
2 years,
6,000
6,
7,
7,
8,
Amount
Cases
covered
insurance is—
500
000
500
000
(1)
2
( 3*
)
North American
Aviation, Inc.
After 3 months'
employment.
65
$ 7 , 500
( 3)
Automobile Workers.
March 1966.
(5)
x
( 5)
( 5)
1 Effective Nov. 1, 1966: $ 28.
2 Additional insurance provided employees earning $ 2 .3 1 per hour or more at employee's expense.
3 Plus $100 a month payable for 24 months to widow (or dependent widower), dependent unmarried children under 21, or to dependent parents. Thereafter, $ 100 a month is payable to widow
(or dependent widower) who is age 50 or over on date of employee's death until the earlier of death, remarriage or age 6 2 -(not payable for any month widow can qualify for M other's Insurance under
Social Security).
79
Under Collective Bargaining, Early 1966
ACCIDENT AND SICKNESS
HOSPITALIZATION
Benefits begin
Duration of benefits
Cases
covered
Except
After
age—
8th day
or 1st
in hos
pital.
Basis of
payment per—
Extra allowance
or service
Year
Disa
bility
Emergency
out-patient
care benefit
or service
Employee and dependents
$25
180 days.
$ 4 ,5 0 0
$300
Required
services
provided.
1st day. 8th day,
1st in
hospi
Semi
tal, or private
day
room.
after
surgery
(4 5
)
charge
of $25
is in
curred.
Employee and dependents
365 days.
Full cost of spe
cified services.
(4)
Required
services
provided.
(4 )
Difference between workmen’ s compensation benefit and
above amounts.
( 6)
( 6)
( 6)
( 6)
( 6)
( 6)
Employee and dependents 7
8
(6)
$32
4
5
6
7
8
Days
Daily
amount
Maximum
room and
board
allowance
(*)
Weekly beneiit 52
weeks
$60
per
66
disa
72
bility.
78
84
90
96
Nonoccu- Base hourly rate
pational.
Less than $ 2. 6 3 ___
$ 2 . 63 to $ 2 . 8 8 ____
$ 2. 88 to $ 3 . 1 3 ____
$ 3 . 13 to $ 3 . 3 8 ____
$ 3 .3 8 to $ 3 . 63 ____
$ 3 . 63 to $ 3 . 8 8 ____
$ 3. 88 and over
Duration
Accident
8th day
or 1st
in hos
pital.
Weekly benefit 26
weeks
per
$ 4 0 .0 0
42. 50
disa
47. 50
bility.
52. 50
57. 50
62. 50
67. 50
72. 50
77. 50
85. 00
Nonoccu- Hourly rate
pational.
Less than $ 2. 00 .
$2. 00 to $ 2 . 25
$ 2. 25 to $ 2 . 50
$ 2 .5 0 to $ 2 . 75
$ 2 .7 5 to $ 3 .0 0
$ 3 .0 0 to $ 3 .2 5
$ 3 . 25 to $ 3 . 50
$ 3 . 50 to $ 3 . 75
$ 3 . 75 to $ 4 .0 0
$ 4 . 00 and over
Occupa
tional.
Benefits
limited to -
Daily
benefit
Extended coverage
365 days.
$ 1 1 ,6 8 0
Full cost of
services.
Effective Oct. 1, 1966: In nursing homes, convalescent and long-term illness care for 730 days. Benefits reduced by 2 days for every 1 day in the hospital.
Additional insursince provided at employee's expense.
No accident and sickness benefit provided for majority of employees; employees covered by the California State temporary disability law. See appendix A.
Benefits described are those available to the largest group of employees covered by the plan.
Reduced by $ 12 per day during the first 20 days of each period of hospital confinement— the hospital benefit provided under the California State temporary disability law.
Required
services
provided.
80
Digest o f Selected Health and Insurance Plans
M E D IC A L
S U R G IC A L
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F IT S
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N — Continued
Allowance
Allowances for—
Most
expensive
operation
Appendec
tomy
Tonsillectomy
Employee and dependents
Westinghouse
Electric Corp.
Child, $60;
adult, $70.
$350
Electrical (IUE).
$ 175
Covers cases
in—
Home
Office
Hospital
Benefits begin
Maximum
compensation
Number
of visits
Sickness
Accident
$ 1, 642. 50 per 1st day.
disability.
Elsewhere
1st day.
paid for
Number
of days
paid for
Employee and dependents
Hospital,
office, home,
elsewhere.
February 1966.
•
Caterpillar Tractor
Co.
Employee and dependents
1
1
Reasonabl e and customary charge. 3
Hospital,
office, home,
elsewhere.
Employee and dependents
$4. 50 per day.
Automobile Workers.
365
per
disa
bility.
March 1966.
North American
Aviation, Inc.
Employee and dependents
$ 1,320
Automobile Workers.
$ 110
$264
Hospital,
office, home,
elsewhere.
$ 3 per $2 per $ 5 per visit.
visit.
visit.
Employee and dependents
$ 3 per
visit.
Home and
3d visit.
office:
$ 150 per year.
1st visit.
March 1966.
Hospital:
$ 1, 825 per
year.
1 Excludes such benefits as X -ray , anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital.
2 Maximum medical expense period— 2 years.
3 Amount paid by plan is the amount an individual, whose annual income approximates that of the employee, would be charged.
See EXPLANATORY NOTES.
1 per
day.
81
Under Collective Bargaining, Early 1966— Continued
FIN A N C IN G
M A T E R N IT Y B E N E F IT S
Hospitalization
Accident and
sickness
Daily
benefit
or service
Surgical
Duration
B e n e f its f o r —
O THER B E N E FITS 1
( ty p e s an d a m o u n ts )
Schedule
allowance
for normal
delivery
Extra
allowance
or service
E m p lo y e e
Com pany
J o in tly
Employee and dependents
I
1
I
50 percent of 1st $450 of medical care
expenses (hospital, surgical, and medi
cal) plus 75 percent of expenses in excess
of $45Q or .$ 180, whichever is greater.
Supplemental major medical benefit— 75 percent of expenses
not covered by other plan benefits incurred during each
medical expense period 2 which are in excess of $ 100;
maximum— $ 10,000 per medical expense period and $20 ,0 0 0
during lifetime.
A m o u n t e m p lo y e e c o n t rib u t e s
E m p lo y e e ’ s d e p e n d e n ts
Com pany
J o in tly
E m p lo y e e
Benefits for employees and for dependents of
employees age 65 and over:
None (company pays full cost).
Benefits for dependents of employees less than
age 65:
Full cost.
Hourly rate
Monthly contribution
Up to $1.. 75 _______________________
$ 1. 75 to $ 2 .0 0 _________________
$ 2 . 00 to $ 2 .2 5 __________________
$ 2 . 25 to $ 2 .5 0 __________________
$ 2 . 50 to $ 2 .7 5 __________________
.................
$ 2 . 75 to $ 3 .0 0
$ 3 . 00 to $ 3. 25 ...... .. . .................
$.3. 25 to $ 3 .5 0 _________________
$3 . 50 to $ 3 .7 5 _______________
.
$ 3. 75 to $ 4 .0 0
$4. 00 and o v e r
. . . .
Employee and dependents
benefits
for 6
weeks.
Semi
private
room.
10 days.
Full cost
of speci
fied serv
ices.
None (company pays full cost).
Reason
Diagnostic X -ray and laboratory examination allowance for
able and
nonhospitalized cases— $50 per disability; $100 per year.
customary
Emergency first aid— $ 15.
charge. 3
(4 )
Radiation therapy allowance— $300 per year.
( 5)
Employee 6
$ 12
14 days.
$ 120
Employee and dependents
$ 105
Anesthesia allowance for surgery performed outside hos
pital— $ 10.
Diagnostic X-ray and laboratory examinations— allowance
varies according to type; no maximum per disability or
per year.
Dependent
Same as
above.
Polio expense allowance (for expense not covered by other
plan benefits incurred within 2 years after date of contrac
tion of disease)— $ 5 ,0 0 0 .
Additional accident expense allowance (for expenses in
excess of those covered by other plan benefits, incurred
within 90 days after accident)— $ 300.
Supplemental major medical expense benefit— 80 percent of
expenses not covered by other plan benefits, incurred dur
ing any calendar year, which are in excess of $50; maxi
mum— $ 5 ,0 0 0 per year— $ 10,000 during lifetime.
Effective Oct. 1, 1966: Prenatal and postnatal care covered.
Effective Oct. 1, 1966: Psychotherapeutic and psychiatric care benefits for treatment out of hospital, $400 per year.
Hospital benefits described are those available to the largest group of employees covered by the plan.
None (company pays full cost).
$ 9. 60
9. 70
9. 80
9. 90
10. 00
10. 10
10. 20
10. 30
10.40
10. 50
10. 60
82
Digest o f Selected Health and Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N
E L IG IB IL T Y
R E Q U IR E M E N T S
(when new
employees become
eligible)
Immediately or
Ford Motor Co.
1st of following
Automobile Workers. month.
Amount
Before age 65:
Basic hourly rate
Before
age—
$ 6 ,0 0 0
6,5 0 0
7 ,0 0 0
7,5 0 0
8 ,0 0 0
8 ,5 0 0
9,0 0 0
9,5 0 0
10,000
10, 500
11, 000
11,500
Amount
Cases
covered
Insurance is —
Maintained
Paid in—
Install
ments .
60 with
Insurance
Less than $ 2 .6 5 — -----------------------------------------------------------$2. 65 to $ 2 . 9 0 ...................... .......................................................
$ 2 .9 0 to $ 3 . 15..............................................................................
$ 3. 15 to $ 3. 4 0 -------------------------- ---------------------- ---------------$ 3 .4 0 to $ 3 . 6 5 -----------------------------------------------------------------$ 3 .6 5 to $ 3 . 9 0 ......................... ....................................................
$ 3 .9 0 to $ 4. 15................ ..............................................................
$ 4. 15 to $ 4 . 4 0 -----------------------------------------------------------------$4. 40 to $4. 6 5 -----------------------------------------------------------------$4. 65 to $4. 9 0 -----------------------------------------------------------------$ 4. 90 to $ 5. 15-----------------------------------------------------------------$ 5. 15 and ov er----------------------------------- ---------------------------
March 1966.
A C C I D E N T A L D E A T H A N D D IS M E M B E R M E N T
If permanently and totally disabled
10
years'
plan
cover
age or
more.
Graduated
according to—
Nonoccu- Earnings.
pational;
occupa
tional.
Death or
m ultidis
memberment
Single dis
memberment
One-half
One-half of
life insurance. fourth of
life in
surance.
After age 65:
Insurance reduced 2 percent monthly until (1) for employees
with 10 years' coverage or m ore, amount equals to 1 V2 percent
of amount in effect immediately prior to initial reduction mul
tiplied by years of coverage up to 20, minimum— $ 1, 500; or (2)
for employees with less than 10 years' coverage, insurance
reduced as above until separation from service or until amount
in force is $500, whichever is earlier.
(M
Pullman Inc.
(Pullman-Standard
D iv .).
Steelworkers.
Immediately or
1st of following
month.
Standard hourly wage rate
$2. 385
$2. 531
$ 2. 969
$ 3 ,4 0 7
through
through
through
through
$2. 458
$2. 896
$ 3. 334
$ 3 ,6 9 9
---------------------------------------------------------------------------------------------------------------------------------------------------------.............................................................
Insurance
$4, 500
5 ,000
5, 500
6, 000
60
Until age 65; there
after, a reduced
amount. 5
February 1966.
1 Plus $100 a month payable for 24 months to widow (or dependent widower), dependent unmarried children under 21, or to dependent parents. Thereafter, $100 a month is payable
to widow (or dependent widower) who is age 50 or over on date of employee's death until the earlier of death, remarriage or age 62 (not payable ft>r any month widow can qualify for Mother’s
Insurance under Social Security.
2 Michigan Hospital Service (Blue Cross plan); employees in other areas covered by different programs.
3 Effective Oct. 1, 1966: In approved nursing homes, convalescent and long-term illness care for 730 days. Benefits reduced by 2 days for every 1 day in the hospital.
4 Also provided in connection with surgery performed in out-patient department.
83
Under Collective Bargaining, Early 1966
ACCIDENT AND SICKNESS
HOSPITALIZATION
Benefits begin
Duration of benefits
Cases
covered
Except
After
age—
Nonoccu- Basic hourly rate
Weekly benefit
pational.
Less than $ 2 . 6 5 ------------------------------------------$60
$2. 65 to $ 2. 9 0 --------------------------------------------65
$ 2 .9 0 to $3. 15--------------------------------------------70
$3. 15 to $ 3. 4 0 --------------------------------------------80
$ 3 .4 0 to $ 3 . 6 5 --------------------------------------------85
$ 3 .6 5 to $ 3 .9 0 --------------------------------------------90
$ 3 .9 0 to $ 4. 15--------------------------------------------95
$ 4. 15 to $ 4 . 4 0 --------------------------------------------100
$4. 40 to $4 . 6 5 --------------------------------------------105
$ 4. 65 to $4 . 9 0 --------------------------------------------110
$ 4. 90 to $ 5 . 15--------------------------------------------115
$5. 15 and ov er--------------------------------------------120
Occupa
tional.
Accident
st day.
Duration
Sickness
Basis of
payment per—
Extra allowance
or service
Year
Disa
bility
Emergency
out-patient
care benefit
or service
Employee and dependents 2
8th day
or 1st
in hos
pital.
Days
Dally
amount
Maximum
room and
board
allowance
Semi
private
room .3
365
days. 3
Full cost of
specified
services. 4
Required
services
provided.
(3>
Difference between workmen's compensation benefit and
above amounts.
Nonoccu- Standard hourly
pational.
$ 2. 385 through
$2 . 531 through
$ 2. 969 through
$ 3. 407 through
Occupa
tional.
52
weeks
per dis
ability.
Benefits
limited t o -
Daily
benefit
Extended coverage
wage rate
Weekly benefit
$ 2 .4 5 8 -----------------------------$2. 896 -----------------------------$ 3. 334------------------------------$ 3. 699 ------------------------------
$ 63
66
69
72
26
weeks
per dis
ability.
1st
Difference between workmen's compensation benefit
and above amounts.
Standard hourly
$ 2. 385 through
$2,531 through
$2,9 6 9 through
$ 3 ,4 0 7 through
NOTE:
wage rate prior to disability
$ 2. 458-------------------------------------$2. 896-------------------------------------$3. 334-------------------------------------$ 3 .6 9 9 ----------- --------------------------
Effective Oct.
Amount maintained after age 65
$ 1 ,3 0 0
1,350
1,400
1,450
1, 1967: Amounts maintained increased by $500.
day.
Employee and dependents
8th day.
Semiprivate
room.
365
days.
Full cost of
specified
services.
Required
services
p rovided.
84
Digest o f Selected Health and Insurance Plans
M E D IC A L
S U R G IC A L
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N — Continued
Ford Motor Co.
Automobile Workers.
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F I T S
Allowances for—
Most
expensive
operation
Covers cases
in—
Appendec
tomy
Employee and dependents3
2 $7, 500
(3)
Tonsillectomy
$450
$67. 50
$1 5 7 .5 0
March 1966.
Employee and dependents
$300
$50
$ 150
Home
Office
Hospital
,
Hospital,
office, home,
elsewhere.
Elsewhere
Maximum
compensation
Sickness
Accident
1st day.
1st day.
1st day, $ 15; 2d
through 20th day,
$6 per day; there
after, $4. 80 per
day.
$ 1,785 per
disability.
Employee and dependents
Steelwo rkers.
February 1966.
1
2
3
4
5
Excludes such benefits as X -ra y , anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital. See EXPLANATORY NOTES.
Amount specified refers to employee's annual income.
Michigan Medical Service (Blue Shield plan); workers in other areas covered by different programs.
Michigan Hospital Service and Michigan Medical Service (Blue Cross and Blue Shield plans); employees in other areas covered by different programs.
Effective Sept. 1, 1966: Prenatal and postnatal care benefits provided.
N Ho
1iim C
1 IDr
Uhl
Number
of visits
paid for
paid for
of days
Employee and ^dependents 3
Hospital,
office.
o
Pullman Inc.
(Pullman-Standard D iv .)
Benefits begin
Allowance
365 per
disa
bility.
85
Under Collective Bargaining, Early 1966— Continued
F IN A N C IN G
M A T E R N IT Y B E N E F I T S
Hospitalization
Accident and
sickness
Regular
benefits
for 6
weeks.
Daily
benefit
of service
Duration
Surgical
Extra
allowance
or service
O T H E R B E N E F IT S 1
(types and amounts)
Schedule
allowance
for normal
delivery
365 days. Full cost
of speci
fied serv
ices.
$90
(5 )
Employee’s dependents
Employee
Company
Employee and dependents4
Semiprivate
room.
Benefits for—
Jointly
Company
Jointly
Amount employee contributes
Employee
X
X
None (company pays full cost).
X
X
None (company pays full cost).
Anesthesia benefit for cases in or out of hospital, if
administered by doctor other than doctor performing
surgery— full payment. 6
Emergency first aid benefit— full payment. 6 Radiological,
diagnostic consultation, and technical surgical assistance
benefit— full payment of charges which are in excess of $5
or 10 percent of charge for each service, whichever is
greater. 7
8
(S)
Regular
benefits
for 6
weeks.
Employee and dependents
Semiprivate
room.
10 days.
$90
Anesthesia allowance (for surgery performed in or out of
hospital, if administered by licensed physican other than
operating surgeon or his assistant or employee of hospital)—
if surgical benefit is $ 100 or under, $20; if surgical benefit
is over $100, 20 percent of surgical benefit.
Diagnostic X -ray allowance for cases out of hospital— $75
during any 12-month period.
Diagnostic examination allowance for cases in or out of
hospital— $75 during any 12-month period.
Radiation therapy allowance for cases in or out of hospital—
$10 per treatment; maximum allowance per condition
ranges from $50 to $200.
(9 )
6
7
8
9
Applicable to workers earning less than $7,5 0 0 annually; benefit for other workers is based on fee schedule.
If services are rendered during hospital confinement, plan pays all charges.
Effective Sept. 1, 1966: Psychotherapeutic care and psychiatric care benefits for treatment out of hospital, $400 per year.
The above services are covered in full if performed by a hospital employee in the out-patient department of the hospital.
86
Digest o f Selected Health and Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N
E L IG IB IL T Y
R E Q U IR E M E N T S
(when new
employees become
e ligible)
A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T
If permanently and totally disabled
Amount
Before
age—
Maintained
General Motors Corp.
Automobile Workers.
March 1966.
1st of month fol
lowing -or coin
ciding with
1 month's em
ployment.
Before age 65: 1
Base hourly rate
Under
$2. 65
$ 2 .9 0
$3. 15
$ 3 .4 0
$ 3. 65
$ 3 .9 0
$ 4. 15
$ 4 .4 0
$4. 65
$ 4 .9 0
$ 5 .1 5
$ 2 . 6 5 ---------------------------------------------------------------------to $ 2 .9 0 -----------------------------------------------------------------to $3 . 1 5 -----------------------------------------------------------------to $3. 4 0 ----------------- -----------------------------------------------to $3. 6 5 -----------------------------------------------------------------to $ 3 .9 0 -----------------------------------------------------------------to $4. 1 5 -----------------------------------------------------------------to $4. 4 0 -----------------------------------------------------------------to $ 4. 6 5 -----------------------------------------------------------------to $ 4. 9 0 -----------------------------------------------------------------to $5. 1 4 ------------------------------ ----------------------------------and o v e r------------------------------------------------------------------
Amount
Cases
covered
Insurance is —
Paid in—
Graduated
according to—
60 with Until age 65; then
Install Nonoccu- Earnings.
Insurance2 10
reduced in same
ments . pational;
manner as for ac
years'
occupa
$ 6 ,0 0 0
plan
tive employee.
tional.
(34
)
6,500
cover
7,000
age or
(Employee may clloose
7 ,500
more.
either.)
8,000
8,500
9 ,000
9 ,5 0 0
10,000
10,500
11,000
11,500
Death or
m ultidis
memberment
Single dis
memberment
One-half of
life insur
ance.
Onefourth of
life in
surance.
Same as life
insurance.
Onehalf of
life in
surance.
After age 65:
Insurance reduced 2 percent monthly until (1) for employees with
10 years' coverage or more, amount equals l l/2 percent of
amount in effect immediately prior to initial reduction multiplied
by years of coverage up to 20, minimum— $1,5 0 0 ; or (2) for em
ployees with less than 10 years' coverage, insurance reduced as
above until separation from service or until amount in force is
$500, whichever is earlier.
Johnson and Johnson
(New Brunswick,
N. J . ).
Textile Workers
(TWUA).
January 1966.
Life and acciden
tal death and dis
memberment in
surance:
After 90 days'
employment.
$ 3 ,0 0 0
60
X
Nonoccupational;
occupa
tional.
Accident and
sickness benefit:
Immediately or
1st of following
month.
Other benefits:
After 60 days'
employment.
1 Life insurance for employee age 65 or over when hired is $500.
2 Plus $100 a month payable for 24 months to widow (or dependent widower), dependent unmarried children under 21, or tp dependent parents. Thereafter, $100 a month is payable to widow
(or dependent widower) who is age 50 or over on date of employee's death until the earlier of death, remarriage or age 62 (not payable for any month widow can qualify for Mother's Insurance under
Social Security).
3 After total amount of life insurance has been paid, $500 coverage provided during remainder of employee's total disability.
4 Benefit for employee age 65 over, when hired, is $60 per week.
87
Under Collective Bargaining, Early 1966
ACCIDENT AND SICKNESS
HOSPITALIZATION
Duration of benefits
Cases
covered
Amount
Except
After
ag e--
Weekly benefit
Nonoccu- Base hourly rate
pational.
Less than $ 2 .6 5 $ 2 . 65 to $ 2 .9 0 —
$ 2 .9 0 to $ 3. 15 —
$ 3 .1 5 to $ 3 .4 0 —
$ 3 . 40 to $ 3 . 65
$ 3. 65 to $ 3 .9 0 —
$ 3 .9 0 to $ 4 . 15 —
$ 4 .1 5 to $ 4 .4 0 —
$ 4 .4 0 to $ 4 . 65 —
$ 4 .6 5 to $ 4 .9 0 —
$ 4 .9 0 to $ 5 . 15 —
$ 5. 15 and over —
Benefits begin
$60
65
70
80
85
90
95
100
105
110
115
120
Extended coverage
Daily
benefit
Days
Benefits
limited t o -
52
weeks
per dis
ability.
1st day. 8th day,
or if
earlier, Semi1st day private
in hos room.
pital,
or day
(5)
after
out
patient
surgery
charge
of $25
is in
curred.
Daily
amount
Maximum
room and
board
allowance
Basis of
payment per—
Extra allowance
or service
Year
Disa
bility
Emergency
out-patient
care benefit
or service
Employee and dependents6
365
days.
Full cost of
specified serv
ices. 7
x
Required
services
provided.
(5)
(4 )
Occupa
tional.
Difference between workmen's compensation benefit and
above amounts.
Nonoccu- Two-thirds of average weekly earnings
pational. maximum— $50 per week.
(8)
5
6
7
8
9
10
26
weeks
per dis
ability.
60
26 weeks
during
any 12
consecu
tive
months.
Employee and dependents
1st day. 8th day.
Semiprivate
room.
120
d ays.91
0
2459 $5
Full cost of
specified serv
ices.
Effective Oct. 1, 1966: In approved nursing homes, convalescent and long-term illness care for 730 days. Benefits reduced by 2 days for every 1 day in the hospital.
Michigan Hospital Service (Blue Cross plan); employees in other areas covered by different programs.
Also provided in connection with surgery performed in out-patient department.
Employee with less than 90 days' employment receives benefits required by the New Jersey State temporary disability law. See appendix A.
Employee and dependents over age 65 but less than age 70 allowed a maximum of 60 days per year; employees and dependents age 70 and over, 30 days.
Also provided for a maximum of 3 days for any one accident or condition requiring operative surgery of a cutting nature, if registered as an out-patient in hospital.
x
Required
services
provided.
10
88
Digest o f Selected Health and Insurance Plans
S U R G IC A L
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N — Continued
General Motors Corp.
Automobile Workers.
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F I T S
Allowances for—
Most
expensive
operation
Tonsillectomy
Allowance
$450.
$67. 50
Covers cases,
in—
Appendec
tomy
Employee and dependents35
6
2 $ 7 ,5 0 0
(1
3)
2
M E D IC A L
$157. 50
'
Hospital,
office.
(3)
March 1966.
Single contract,
Johnson and Johnson
(New Brunswick, N. J.). $ 5 ,0 0 0 ; family,
$ 7 ,5 0 0 .
Textile Workers
(TWUA).
Employee and dependents
$500
Under age 12,
$65; over age
12, $85.
$175
January 1966.
Home
Office
Hospital
Benefits begin
Elsewhere
Maximum
compensation
Sickness
Accident
Number
of visits
paid for
Employee and dependents 3
J
1st day, $15; 2d
through 20th day,
$6 per day; there
after, $4.80 per
day.
$ 1,7 8 5 per
disability.
1st day.
1st day.
365 per
disa
bility.
1st day.
1st day.
365 per
disa
bility.
Employee and dependents
Hospital,
office.9
1st day, $15; 2d
day, $10; 3d
through 14th day,
$6 per day; there
after, $5 per day.
$ 1 ,8 4 7 per
disability.12
(U )
r)
(")
1
2
3
4
5
6
Excludes such benefits as X -ray, anesthesia, and electrocardiogram
Amount specified refers to employee's annual income.
Michigan Medical Service (Blue Shield plan); workers in other areas
Michigan Hospital Service and Michigan Medical Service (Blue Cross
Effective Sept. 1, 1966: Prenatal and postnatal care covered.
Applicable to workers earning less than $7, 500 annually; benefit for
Number
of days
paid for
allowances if they are provided only for services performed in a hospital.
See EXPLANATORY NOTES.
covered by different programs.
and Blue Shield plans); employees in other areas covered by different programs.
other workers is based on fee schedule.
Under Collective Bargaining, Early 1966— Continued
F IN A N C IN G
M A T E R N IT Y B E N E F I T S
Hospitalization
Accident and
sickness
Regular
benefits
for 6
weeks.
Daily
benefit
or service
Duration
Surgical
Extra
allowance
or service
O T H E R B E N E F IT S
(types and amounts)
Schedule
allowance
for normal
delivery
365 days. Full cost
of speci
fied serv
ices.
5 $90
Employee
Company
Employee and dependents 4
Semi
private
room.
Benefits for—
1
Jointly
Employee's dependents
Company
Jointly
Amount employee contributes
Employee
X
X
None (company pays full cost).
X
X
None (company pays full cost).
Anesthesia benefit for cases in or out of hospital, if admin
istered by nonhospital employee— or doctor other than doc
tor performing surgery^—
-full payment. 4
Emergency first aid benefit— full paym ent.6
Radiological, diagnostic consultation, and technical surgical
assistance benefit— full payment of charges which are in
excess of $5 or 10 percent of charge for each service, which
ever is greater. 7
(8)
Regular
benefits
for up to 8 Sem i
weeks,
private
pursuant
room.
to New
Jersey
State tem
porary
disability
law.
Employee and dependents
7 days.
Full cost
of speci
fied se rv
ices.
$150
Anesthesia allowance for cases in or out of hospital— varies
according to allowance payable for operations— $70.
Therapeutic X -ray and radioactive isotope therapy allowance
for cases in or out of hospital— $250 per year.
Laboratory examinations allowance for cases in or out of
hospital— $ 25 per year.
Diagnostic examinations for cases in or out of hospital—
$ 100 per year.
Radium and radon therapy allowance for cases in or out of
hospital— $100 per year.
Physical therapy allowance for cases in or out of hospital—
$50 per year.
7 If services are rendered during hospital confinement plan pays all charges.
8 Effective Sept. 1, 1966: Psychotherapeutic care and psychiatric care benefits for treatment out of hospital. $400 per year.
9 Emergency surgical allowance of up to $50 for treatment in home, office, or elsewhere also provided.
1 For acute diagnosed conditions; 1st day, $30; 2d day, $20; 3d through 14th day, $10; thereafter $5.
0
1 1 in-hospital consultation allowance per disability, $20; payment to physician administering direct blood transfusions, $25 per transfusion, limited to 2 per disability.
1
1 Except for an acute diagnosed condition, when a higher maximum is allowed.
2
See footnote 9.
90
Digest o f Selected Health and Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND D ATE OF
IN F O R M A T IO N
E L IG IB IL T Y
R E Q U IR E M E N T S
(when new
employees become
eligible)
Life insurance:
Sperry Gyroscope
After 90 days'
Co. (Division of
Sperry Rand Corp.). employment.
Electrical (IUE).
January 1966.
Accident and
sickness benefit:
Immediately or
1st of following
month.
Amount
Weekly salary
$30. 00
$37. 50
$45. 00
$52. 50
$60. 00
$62. 50
$72. 50
$81. 50
$ 9 1 .5 0
to
to
to
to
to
to
to
to
to
$37. 50 --------------------------------------------------------------$45. 00 --------------------------------------------------------------$52. 50 --------------------------------------------------------------$60. 00 -------------------------- ---------------------------------$62. 50 _________________________________________
$72. 50 _________________________________________
$81. 5 0 --------------------------------------------------------------$91. 5 0 ...........................................................................
$ 5 ,2 5 0 annually-------------------------------------------------
Other benefits:
1st day of month
following 90 days' Annual salary1
employment.
$ 5, 250. 01 through $ 5 ,7 5 0 ........................................................
$ 5 , 750. 01 to $ 6 , 250---------------------------------------------------------$ 6 , 250. 01 to $ 6 ,7 5 0 . 01................... ...........................................
$ 6 ,7 5 0 .0 1 to $ 7 , 250. 01...............................................................
$ 7 , 250. 01 to $ 7 ,7 5 0 . 01---------------- ---------------------------------$ 7 , 750.01 to $ 8 ,2 5 0 . 01----------------------------------------------------$ 8 , 250. 01 to $ 8 ,7 5 0 . 01----------------------------------------------------$ 8, 750. 01 to $ 9 , 250. 01----------------------------------------------------$ 9 , 250. 01 to $ 9 ,7 5 0 . 01__________ ________________________
$ 9 , 750. 01 to $ 11, 000...................................................................
and up in increments of $ 2 , 000---------------------------------------to $23, 000 to $25, 000-------------------------------------------------------$ 25, 000 and o v e r ---------------------------------------------------------------
Kennecott Copper
Corp. (Western
Mining Divisions).
Various unions.
January 1966.
After 30 days'
employment.
A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T
If permanently and totally disabled
Annual straight-time basic wage
Less than $ 1 ,2 0 0 ----------------------------------------------------------------$ 1, 200 to $ 1 ,8 0 0 ............................ ................................................
$ 1 ,8 0 0 to $ 2 ,4 0 0 __________________________________________
$ 2 ,4 0 0 to $ 3, 200__________________________________________
$ 3 , 200 to $ 4, 000__________________________________________
$ 4 , 000 to $ 5 ,0 0 0 ______________________ ____________________
$ 5, 000 and o v e r ___________________________________________
Insurance is —
Before
age—
Insurance
Amount
Cases
covered
Maintained
60
—
Paid in—
Install
ments.
—
Death or
m ultidis
memberment
—
Single dis
memberment
—
$ 3, 600
4 ,2 0 0
5, 000
5,800
6 ,400
7, 000
8 ,000
9 ,000
10,000
11,000
12,000
13,000
14,000
15,000
16,000
17,000
18,000
19,000
20,000
4 ,0 0 0
48,0 0 0
50,000
Insurance
$ 1 ,0 0 0
1,500
2, 000
3,000
4, 000
5,000
(2)
60
$ 1,000
Install Nonoccu- Annual straightments ,
pational
time basic wage
full
amount
L ess than $1,200 — $ 1 ,0 0 0
less
$ 1, 200 to $1,800 —
1,500
$ 1, 000.
$ 1 ,8 0 0 to $2,400 —
2 ,0 0 0
$ 2 ,4 0 0 to $3, 200 —
3 ,0 0 0
$ 3 , 200 to $4, 000 —
4 ,0 0 0
$ 4 , 000 and over
5 ,0 0 0
1 Earnings classes are inclusive.
2 Amount of life insurance equal to annual straight-time basic wage or salary taken to next higher multiple of $100— maximum $20, 000.
—
Graduated
according to—
$500
750
1, 000
1,500
2 ,0 0 0
2 ,5 0 0
91
Under Collective Bargaining, Early 1966
HOSPITALIZATION
ACCIDENT AND SICKNESS
Duration of benefits
Cases
covered
Except
After
age—
Nonoccupational.
Benefits begin
Weekly salary
$30. 00 to $3 7 . 5 0 ---------------------------------------$ 3 7 .5 0 to $ 45. 0 0 ---------------------------------------$45. 00 to $ 52. 5 0 ---------------------------------------$52. 50 to $6 0 . 0 0 ---------------------------------------$60. 00 to $ 67. 5 0 ---------------------------------------$67. 50 to $75. 0 0 ---------------------------------------$75. 00 to $ 82. 5 0 ---------------------------------------$82. 50 to $90. 0 0 ---------------------------------------$90. 00 to $97. 5 0 ---------------------------------------$ 9 7 .5 0 to $ 105. 00--------------------------------------$105. 00 to $ 112. 5 0 ---------------------------------$ 112. 50 to $ 120. 00.---------------------------------$120. 00 to $ 127. 5 0 ------------------$127. 50 and over----------------------------------------
Nonoccu- $60 per week.
pational,
Weekly benefit
$20
25
30
35
40
45
50
55
60
65
70
75
80
85
26
weeks
per dis
ability.
26
weeks
per d is
ability.
60
Extended coverage
Daily
benefit
Days
Benefits
limited to -
26 weeks
during
any 12
consec
utive
months,
if owing
to sick
ness.
Daily
amount
Maximum
room and
board
allowance
Basis of
payment per—
Extra allowance
or service
Year
Disa
bility
Emergency
out-patient
care benefit
or service
Employee and dependents
1st day. 8th day.
Semip rivate
room.
21 days.
180
50 per
cent of
cost of
sem i
private
room.
Required
services
provided.
Full cost of
specified serv
ices for 1st 21
days; 50 per
cent of cost fo>r
additional 180
days.
Employee
1st day. 8th day.
Sem i365 days.
p rivate
room.
_
_
_
Full cost of
specified serv
ices.
_
X
Required
services
provided.
Dependents
Same
120 days.
—
Same as above.
Same as
above.
92
Digest o f Selected Health and Insurance Plans
M E D IC A L
S U R G IC A L
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N — Continued
Sperry Gyroscope Co.
(Division of Sperry
Rand Corp. ).
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F I T S
Allowance
Allowances for—
Most
expensive
operation
Appendec
tomy
Tonsillectomy
Employee and dependents
—
Provided by Group t [ealth Insurance
2
Covers cases
in—
Home
Office
Hospital
Benefits begin
Maximum
compensation
Sickness
Accident
1st day.
Elsewhere
1st day.
Number
of days
paid for
Noncom pany
doctor's
office:
1 per
day.
Hospi
tal:
120 per
disa
bility.
1st day.
1st day.
Number
of visits
paid for
Employee and dependents
Hospital,
office, home,
elsewhere.
Provided by Group
Health Insurance,
In c.1
2
Electrical (IUE).
January 1966.
Kennecott Copper Corp. Individual cover(Western Mining
age, $ 6, 000;
Divisions).
family coverage,
$ 8 , 000.
Various unions.
January 1966.
Employee and dependents
$675
$ 6 7 .5 0
$ 135
Hospital,
office, home,
elsewhere.
Employee
Com $5 for each day of
pany
confinement.
doc
tor's
office:
Full
cost. 3
4
Hospital:
$600 per d is
ability.
Company
doctor's office:
Full cost.
Noncompany
doctor's office:
Unlimited.
Noncom
pany
doc
tor's
office:
$5 per
visit.
Com
pany
doc
tor's
office:
Unlim
ited per
disa
bility.
Dependents
Same as above.
1
2
3
4
$600 per d is
ability.
Excludes such benefits as X -ra y , anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital.
See appendix B.
Drugs and medicines prescribed by company doctor furnished without cost, if treated in office.
Additional $ 0 . 60 for each $ 1, 000 of life insurance in excess of $ 5 , 000.
Same as
above.
Same as
above.
See EXPLANATORY NOTES.
120
per
d is
ability.
93
Under Collective Bargaining, Early 1966— Continued
M A T E R N IT Y B E N E F I T S
Hospitalization
Accident and
sickness
Regular
benefits
for 6
weeks.
Regular
benefits
for 6
weeks.
Daily
benefit
or service
Duration
Surgical
$ 120 for room, board and
extra services.
(types and amounts)
Provided
by Group
Health
Insurance,
In c .2
Provided by Group Health Insurance, Inc. 2
$
100
Jointly
Employee's dependents
Company
Jointly
Amount employee contributes
Employee
Employee's benefits:
Life insurance— $ 0. 12 per week per $ 1 ,0 0 0
of insurance in excess of $ 10,000.
Other benefits— $ 0 . 34 per week.
Dependents' benefits:
$ 0. 76 per week.
Employee and dependents
$ 125 for room, board and
extra services.
Employee
Company
Employee and dependents
---------- 1
------------ 1
------------
Benefits for—
O T H E R B E N E F IT S 1
Schedule
allowance
for normal
delivery
Extra
allowance
or service
Laboratory and X -ra y examination allowance for nonhospitalized cases— employee— $ 100 per year; dependent— $75 per
year.
Additional accident expense allowance for expenses in excess
of those covered by other plan benefits incurred within 90
days after accident— $ 300.
Supplemental major medical expense benefit— 90 percent of
medical expenses incurred during a 2-year period which
are in excess of other plan benefits or $300, whichever is
greater; maximum— $ 5 ,0 0 0 per disability.
Life insurance:
Annual straight-time
basic wage
Monthly contribution
$ 0. 60
Les s than $ 1, 200 _______________
$ 1, 200 to $ 1, 800 ...................................... 90
$ 1, 800 to $ 2 ,4 0 0 _______________
1. 20
$ 2 ,4 0 0 to $ 3 , 200 _______________
1. 80
$ 3 , 200 to $ 4 ,0 0 0 _______________
2.40
$ 4 , 000 to $ 5 ,0 0 0 _______________
3. 00
$ 5, 000 and over ________________
(4)
Accident and sickness benefit:
$ 1. 42 per month.
Other benefits:
None (company pays full cost).
94
Digest o f Selected Health and Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND D A TE OF
IN F O R M A T IO N
Construction
industry,
Associated General
Contractors of
Am erica, and other
employers (Northern
California).
Carpenters.
January 1966.
E L IG IB IL T Y
R E Q U IR E M E N T S
(when new
employees become
eligible)
1st of March,
June, September,
or December
immediately fo llowing Fund’ s
semiannual work
period in which
employee had at
least 400 hours'
covered employ
ment.
Amount
Before
age—
Maintained
Paid in—
X
• —
—
—
—
—
Graduated
according to—
Death or
m ultidis
memberment
Single dis
memberment
Nonoccupational;
occupa
tional.
Same as life
insurance.
Onehalf of
life in
surance.
Nonoccupational.
Same as life
insurance.
Onehalf of
life in
surance.
—
—
60
$ 3 ,5 0 0
Spous e
$500
Children
14- days to 6 months _____________________________________
6 months to 19 years _ _ _ ______
_________
_
Immediately or
1st of following
month.
Amount
Cases
covered
Insurance is —
Employee
Attained age
Jewelry industry,
Associated
Jewelers, Inc. ,
Jewelry Crafts
Association, and
other employers
(New York, N. Y . ).
A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T
If permanently and totally disabled
Insurance
$ 100
250
$ 1 ,0 0 0
60
Install
ments.
60
Install
ments
or lump
sum
(em
ployee
may
choose
either).
Jewelry Workers,
Local 1.
February 1966.
Immediately or
Honeywell Inc.
(Minneapolis, Minn.). 1st of following
month.
Teamsters.
Service
Less than 1 y e a r ---------------------------------------------------------------1 to 2 years ------------------------------------------------------------------------
$ 500
750
January 1966.
3 to 4 y e a r s -----------------------------------------------------------------------4 to 5 y e a r s -----------------------------------------------------------------------5 to 6 y e a r s ------------------------------------------------------------------------
1,250
1,500
1,750
8 years and over ---------------------------------------------------------------
2, 500
Insurance
1 No accident and sickness insurance benefit provided by plan; employees covered by the California State temporary disability law. See appendix A.
2 This optional coverage is available only to employees in 8 counties (San Francisco, Alameda, San Mateo, Marin, Contra Costa, Solano, Napa, and Sonoma); employees in other areas
have only optional plan B benefits.
Under Collective Bargaining, Early 1966
HOSPITALIZATION
ACCIDENT AND SICKNESS
Benefits begin
Duration of benefits
Cases
covered
Amount
Except
After
age—
Benefits
limited t o -
Accident
Daily
benefit
or
service
Extended coverage
Duration
Days
Daily
amount
Basis of
payment per—
Maximum
room and
board
allowance
Extra allowance
or service
Year
Disa
bility
Emergency
out-patient
care benefit
or service
Employee and dependents
(M
(')
(
l)
(l)
(l )
(l)
Optional plan A 2
(l )
Provided by the Kaiser Foundation Health Plan. 3
Optional plan B
Ward
accom
moda
tions.
Nonoccu- Base weekly pay
pational.
$40 to $45
$ 45 to $ 50
$50 to $55
$ 55 to $ 60
$60 to $65
$65 to $70
$70 to $75
$75 to $80
$80 to $85
$85 to $90
$90 and over -
Weekly benefit
-
$25
28
31
34
37
40
43
46
49
52
55
Nonoccu- Basic weekly wage of less than $80, two-thirds of basic
pational. weekly wage, maximum— $40 per week; basic weekly
wage of $80 or m ore, one-half of basic weekly wage,
maximum— $80 per week.
See appendix D.
Payable irrespective of actual charges.
52
weeks
per dis
ability.
70 days.
Full cost of
specified serv
ices.
Required
services
provided.
Employee
1st day. 8th day.
$254
70 days.
$ 1 ,7 5 0
$250
x
$250
Dependents
$ 18 4
26
weeks
per dis
ability.
31 days.
$558
$180
$180
Employee and dependents
1st day. 8th day.
$23
120 days.
$ 2 ,7 6 0
Full cost of
specified serv
ices.
Required
services
provided.
96
Digest o f Selected Health and Insurance Plans
M E D IC A L
S U R G IC A L
C O M P A N Y , U N IO N ,
AND DA TE OF
IN F O R M A T IO N — Continued
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F I T S
Allowance
Allowances for—
Most
expensive
operation
Tonsillectomy
Appendec
tomy
Covers cases
in—
Benefits begin
Maximum
Home
Office
Elsewhere.
Hospital
compensation
Sickness
Accident
Number
of visits
paid for
Number
of days
paid for
Employee and dependents
Construction industry,
Associated General
Contractors of
America, and other
employers (Northern
California).
Optional plan A 1*
2
Provided by the Kaiser Foundation Health Plan. 3
Optional plan B
Carpenters.
—
$750
January 1966.
Under age 18,
$75; over age
18, $100.
$200
Hospital,
office, home,
elsewhere.
Employee
$5
(4)
$4
$4 for each day of
confinement.
Home and
office:
$ 300 per ye ar.
(4 )
3d visit.
1st visit.
1 per
day.
(4)
Hospital:
$280 per
disability.
Hos
pital:
70 pei
disa
bility.
Dependents
—
Jewelry industry,
Associated Jewelers,
Inc. , Jewelry Crafts
Association, and other
employers
(New York, N. Y. ).
_
Employee
$450
$88. 88
—
Same as above.
$6 per $4 per $ 6 per visit.
visit. • visit.
$355. 56
$300
$ 6 6 .6 6
$280 per d is
ability.
1st day.
1st day.
—
70 per
disa
bility.
3d visit.
1 st visit.
—
—
1st day.
1st day.
Employee only
Hospital,
office, home.
Dependents
Jewelry Workers,
Local 1.
—
—
Under age 60:
$150 per d is
ability.
Over age 60:
$ 150 per year.
$266. 66
February 1966.
Honeywell Inc.
(Minneapolis, Minn. ).
Teamsters.
January 1966.
Individual coverage, $ 3 ,0 0 0 ;
family coverage,
$ 4 , 200.
Employee and dependents
$450
$45
$120
Hospital,
office, home,
elsewhere.
Employee and dependents
1st day, $11. 25;
thereafter, $ 3 .7 5
per day.
$ 682. 50 per
disability.
180
per
disa
bility.
1 Excludes such benefits as X -ra y , anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital.
See EXPLANATORY NOTES.
2 This optional coverage is available only to employees in 8 counties (San Francisco, Alameda, San Mateo, Marin, Contra Costa, Solano, Napa, and Sonoma); employee in other areas have
only Optional plan B benefits.
2 See appendix D.
4 Also payable for chiropractic care; maximum 12 visits per year.
97
Under Collective Bargaining, Early 1966-— Continued
F IN A N C IN G
M A T E R N IT Y B E N E F I T S
Hospitalization
Accident and
sickness
Daily
benefit
or service
Duration
Surgical
Extra
allowance
or service
Benefits for—
O T H E R B E N E F IT S
(types and amounts)
Schedule
allowance
for normal
delivery
Company
Employee and dependents
Employee’s dependents
Employee
Jointly
Company
x
Jointly
X
Amount employee contributes
Employee
None (company pays full cost).
Optional plan A 2
Provided by the Kaiser Foundation Health Plan. 3
Optional plan B
Diagnostic X -ray and laboratory examination allowance (for
cases in or out of hospital)— $100 for each accident or all
sicknesses during any 12 consecutive months.
$150 for room, board and
extra services. 5
X -ra y and radium therapy treatment allowance— $750 per
year.
Additional accident expense allowance (for expenses in ex
cess of those covered by other plan benefits incurred within
90 days after accident)-—$ 300.
Dental care benefit— for other than prosthodontic care, 70
percent of schedule allowance; for prosthodontic care, 50
percent of schedule allowance.
(6 )
7
Employee only
Employee
Regular
benefits
for 6
weeks.
$25
14 days.
$250
$150
None (company pays 7 .3 3 percent of hourly
rate; maximum $2. 15 per hour; plus $3. 03 per
month).
Eye care benefit (for examination and one pair of glasses
every two years)— full cost.
Dependent
$18
10 days.
$180
$100
Employee and dependents
$23
5
6
7
8
120 days. Full cost
of speci
fied
services.
$75
x
Supplemental major medical expense benefit— 75 percent of
expenses not covered by other plan benefits incurred during
a disability which are in excess of 2 percent of base wage8 ;
maximum— $ 10,000 per disability.
If hospital charges are less than $ 100, the difference may be applied to other expenses incurred; i. e. , physician charges.
Effective M ar. 1, 1966, a drug benefit based on $ 1.50 deductible per prescription will become available.
Payable irrespective of actual charges.
Minimum $ 100; maximum $300.
x
Employee's benefits:
None (company pays full cost).
Dependents' benefits:
Three-fourths of cost.
98
Digest o f Selected Health and Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND D A TE OF
IN F O R M A T IO N
E L IG IB IL T Y
R E Q U IR E M E N T S
(when new
employees become
eligible)
A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T
If permanently and totally disabled
Amount
Before
age—
Maintained
D o ll and to y in d u s tr y
N a tion a l A s s o c i a
tion o f D o ll M a n u
f a c t u r e r s , and
o t h e r e m p lo y e r s
(N ew Y o r k , N . Y . ).
T o y and N o v e lty
W ork ers,
L o c a l 223 .
A c c id e n t and
s ic k n e s s b e n e fit:
I m m e d ia t e ly o r
1st o f fo llo w in g
m o n th .
Am ount
Cases
Insurance is—
covered
G r a d u a te d
a c c o r d in g t o —
Paid in—
D e a th or
m u lt id is
m e m b e rm e n t
S in g le d i s
m e m b e rm e n t
$ 1 ,0 0 0
O th e r b e n e f it s :
5 m o n th s ' c o n
tin u ou s c o v e r e d
e m p lo y m e n t .
J a n u a ry 1966.
V a r io u s e m p l o y e r s ,
St. L o u is , M o. ,
area.
I m m e d ia t e ly o r
1 st o f fo llo w in g
m o n th .
$ 2 , 000
65
F or 1 y e a r (o r fo r
p e r io d in s u r e d if
l e s s than 1 y e a r ) .
N on occu p a t io n a l;
occu pa
t io n a l.
S a m e a s l if e
in s u r a n c e .
O n e -h a lf
o f life in
su ran ce.
N on occu p a t io n a l;
occu pa
tio n a l.
Sam e as life
in s u r a n c e .
O n e -h a lf
o f life in
su ran ce.
M a c h in is t s ,
D is t r ic t 9.
J a n u a ry 1966.
A s s o c ia t io n o f
M a s t e r P a in t e r s
and D e c o r a t o r s o f
the C ity o f N ew
Y o r k , In c.
P a in t e r s , D is t r ic t
C o u n c il 9.
J a n u a ry 1966.
R e g u la r b e n e fit s :1 $ 1 , 0 0 0 2
2
3
1st o f m o n th in
w h ic h fo llo w in g
r e q u ir e m e n ts a r e
m et: 6 m on th s1
u n io n m e m b e r
s h ip ; e a r n e d at
l e a s t $ 1 ,8 0 0
f r o m co n tr ib u tin g
e m p l o y e r s d u rin g
p r e c e d in g 12
m o n th s ; and at
Least 1 d a y 's
c o v e r e d e m p lo y
m e n t d u r in g p r e
c e d in g 5 m o n th s .
60
X
1
A v a ila b le to e m p lo y e e w ith at l e a s t 5 m o n t h s ' c o n tin u o u s c o v e r e d e m p lo y m e n t .
I n e lig ib le e m p lo y e e r e c e iv e s b e n e fits r e q u ir e d b y the N ew Y o r k S tate t e m p o r a r y d i s a b i li t y la w a f t e r
w aiting p e r io d o f 7 d a y s .
S e e a p p e n d ix A.
? P r i o r to q u a lify in g f o r r e g u la r b e n e f i t s , e m p lo y e e b e c o m e s e l ig i b l e f o r $ 1 0 0 l if e in s u r a n c e on f i r s t o f m on th fo llo w in g m on th in w h ic h h e h a d 1 d a y 's c o v e r e d e m p lo y m e n t .
A p p r e n t ic e
c o v e r a g e — $ 5 0 0 ; c o v e r a g e o f n o n b e n e fic ia l m e m b e r s a g e 60 o r o v e r w hen b e c o m in g u n ion m e m b e r s — $ 1 0 0 .
3 N ot a v a ila b le to a p p r e n t ic e s .
99
Under Collective Bargaining, Early 1966
H O S P IT A L I Z A T IO N
A C C ID E N T A N D S IC K N E S S
Benefits begin
Duration of benefits
Cases
covered
Amount
Except
Period
Nonoccu- $33 per week or one-half average weekly wage,
pational. maximum— $ 50, whichever is greater.1
26
weeks
per
year.
13
weeks
per dis
ability.
Nonoccu- $40 per week.
pational.
After
age—
Benefits
limited to—
_
_
Accident
Sickness
Daily
benefit
or
service
_
Duration
Days
Daily
amount
Basis of
payment per—
Maximum
room and
board
allowance
Extra allowance
or service
Year
Disa
bility
Emergency
out-patient
care benefit
or service
Employee and dependents
4th day. 4th day.
Semiprivate
room.
_
Extended coverage
21 days.
180
50 per
cent of
cost of
sem ip rivate
room.
Full cost of
specified serv
ices for 1st 21
days; 50 percent
of cost for addi
tional 180 days.
X
$7. 25
X
$450
X
$350
X
$7. 25
Employee
1st day. 8th day.
$ 17
$850
$450, plus $ 10
ambulance
allowance per
trip and $20 per
disability.
Dependents
$ 15
Nonoccu- $ 10 per week.
pational.
(3 )
(3)
13
weeks
per dis
ability.
(3 )
60
(3)
13 weeks 1st day. 8th day.
during
any 12
Semi(3)
(3)
consecu
p rivate
tive
room.
months.
(3)
$750
$350, plus $ 10
ambulance
allowance per
trip and $ 20 per
disability.
Employee and dependents
21 days.
180
50 per
cent of
cost of
sem i
private
room.
Full cost of
specified serv
ices for 1st 21
days; 50 percent
of cost for addi
tional 180 days.
100
Digest o f Selected Health and Insurance Plans
M E D IC A L
S U R G IC A L
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N —-Continued
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F IT S
Single contract
Doll and toy industry,
$ 2 ,5 0 0 ; family,
National Association
of Doll Manufacturers, $ 4, 000.
and other employers
(New York, N. Y. ).
Allowances for—
Most
expensive
operation
Allowance
Covers cases
in—
Appendec
tomy
Tonsillectomy
Employee and dependents
$250
$300
$45
$200
Hospital,
office, home,
elsewhere.
$ 125
Under age 12,
$45; over age
12, $65.
$30
Toy and Novelty
Workers, Local 223.
Home
Hospital
Office
Benefits begin
Maximum
compensation
Elsewhere
Sickness
Number
of visits
paid for
Accident
Number
of days
paid for
Employee and dependents
1st 2 days, $4 per
visit; 3d through
21st day, $4 per
day; thereafter,
$ 14 per week.
$452 per d is
ability.
1st day.
1st day>
1st 2
days,
2 per
day.
1st visit.
201 per
dis
ability.
1 per
day.
January 1966.
Various employers,
St. Louis, Mo. , area.
Employee
$ 150
Hospital,
office, home,
elsewhere.
Employee and dependents
$4 per visit.
$ 200 per year. 1st visit.
Machinists, District 9.
Dependents
January 1966.
$ 100
Employee and dependents
Association of Master
Painters and
Decorators of the
City of New York, Inc.
Pairiters, District
Council 9.
January 1966.
Optional plan A
Provided by the Health Insurance Plan of Greater New Y o rk .1
2
1
1
1
Optional plan B
r'1
’ 1
r
r
i1 ~
Providedl by Gro up Health Insurance, Inc. 3
i
1
1 Excludes such benefits as X -ra y , anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital.
2 See appendix C.
3 See appendix B.
n---------- — ^
See EXPLANATORY NOTES.
1
1
1- - - - - - - - - - - - f-
101
Under Collective Bargaining, Early 1966-----Continued
M A T E R N IT Y B E N E F I T S
F IN A N C IN G
Hospitalization
Accident and
sickness
Daily
benefit
or service
Duration
Surgical
Extra
allowance
or service
O T H E R B E N E F IT S
(types and amounts)
Schedule
allowance
for normal
delivery .
Tuberculosis cash settlement allowance for pulmonary
laryngal or renal tuberculosis contracted for the first time
$400.
$75
Employee
Company
Employee only
Employee and dependents
$80 for room, board and
extra services.
Benefits for—
General medical examination in union physician's office
(including X -ray s, tests, and medicines)— without charge.
Jointly
Employee's dependents
Company
Jointly
Amount employee contributes
Employee
None (company pays $ 3 . 15 per week for each
employee working at least 32 hours per week;
$0* 085 per hour for each employee working
less than 32 hours per week plus $ 0 .0 5 per
week for each employee working during any
week regardless of hours worked).
Employee and dependents
Medical examinations at fund's medical centers (including
X -ra y s, tests, eye examinations, physiotherapy and
rehabilitation treatment, and preventive immunizations)—
without charge.
Dental care benefit (for treatment at fund's dental centers)---without charge.
Eyeglass benefit— (one pair a year)— full cost.
Drug benefit (for drugs compounded by registered
pharmacists at union pharmacies when prescribed by fund's
medical center physicians)— without charge.
Regular
benefits
for 6
weeks.
Employee
$17
Employee only
None (company pays $ 14. 50 per month).
Diagnostic X -ray and laboratory examination allowance for
nonhospitalized cases— $50 for any 1 injury or for all sick
nesses during any 12 consecutive months.
$450, plus $75
$ 10 ambu
lance a l
lowance per
trip and $20
per d is
ability.
Dependent
$15
^Regular
benefits
for 13
weeks.
$350, plus $50
$10 ambu
lance a l
lowance per
trip and $20
per d is
ability.
Employee and dependents
Optional
plan A
Provided by
the Health
Insurance
Plan of
Greater
New York.2
Optional
plan B
Provided by
Group
Health In
surance,
Inc.3
Optional plan A
Provided by the Health Insurance Plan of Greater New York?
Optional plan B
Provided by Group Health Insurance, Inc. 3
None (company pays 6 percent of weekly payroll).
102
Digest o f Selected Health and Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND DA TE OF
IN F O R M A T IO N
Elgin National
Watch Co.
Watch Workers.
April 1966.
E L I G I - B IL T Y
R E Q U IR E M E N T S
(when new
employees become
e ligible)
A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T
If permanently and totally disabled
Amount
Service
Life insurance
and accident and
Less than 6 m onths-------------------------sickness benefits: 6 months to 1 y e a r ___________ ____
Immediately or
1st of following
month.
Before
age—
Amount
Cases
covered
Insurance is —
Maintained
Paid in—
Graduated
according to—
Death or
m ultidismemberment
Single dis
memberment
Insurance
— ____ — — —
__ __ __ _______
$450
750
Other benefits:
After 1 month's
employment.
Pan American
Petroleum Corp.
After 6 months'
employment.
60
2 $1, 000
25 percent.
Various unions.
Install
ments:
75 per
cent.
December 1965.
Construction industry,
various employers
(Western
Pennsylvania).
Various unions.
60
X
60
$ 4 , 000
Upon completion
of 6 months' con
tributions by em
ployer, covering
minimum of 600
hours' work.
—
Nonoccupational;
occu
pational.
Same as life
insurance.
Onehalf of
life in
surance.
Nonoccu- 1st year ____
pational; The re afte r —
occu
pational.
$ 2 ,2 5 0
4, 500
$ 1, 125
2 ,2 5 0
February 1966.
(4 )
Trucking industry,
local cartage and
over-the-road
freight, various
associations and in
dividual employers,
Central States,
Southeast and South
west areas.
1st of month following 2 months
of contributions
by employer.
Employee
1st year, $ 2, 250; thereafter, $ 4 ,5 0 0 .
Dependent spouse
1st year, $ 250; thereafter, $500.
Teamsters.
April 1966.
(4 )
1 Benefit for employee with 6 months' service or less is $ 3 per day.
2 Additional insurance provided on a contributory basis.
3 No accident and sickness insurance benefit provided by plan; employees covered by paid sick-leave plan.
Install
ments.
103
Under Collective Bargaining, Early 1966
H O S P I T A L IZ A T I O N
A C C ID E N T A N D S IC K N E S S
Benefits begin
Duration of benefits
Cases
covered
Amount
'Period
Except
Benefits
limited to—
150
Weekly benefit days
per dis
...........
$ 2 5 .5 0
$ 4 0 to $ 4 5 ............................
ability.
$4 5 to $ 5 0 ............................................
28. 50
...............
.........31.50
$50 to $55
$ 55 to $ 60
.
34.50
$ 6 0 to $6 5 „
_____
_
.
.
37.50
$65 to $ 7 0 _________________________________
4 0 .5 0
$70 to $75 ...................
.........................
4 3 .5 0
$75 to $80 ...............................
.........................
46. 50
$80 to $ 8 5 _________________________________
49. 50
$85 to $ 9 0 _______________________________________
52. 50
$ 9 0 to $ 9 5 ________________________________________
55. 50
$95 to $ 100 ...................... —
58.50
60. 00
$ 100 and o v e r __ ___ ___________ _____ ______
Nonoccu- 1st 120 days—
pational. Weekly earnings
Accident
Sickness
8th day
or 1st
in hos
pital.
After
age-
Daily
benefit
or
service
Extended coverage
Duration
Days
Daily
amount
8th day.
Maximum
room and
board
allowance
Basis of
payment per—
Extra allowance
or service
Year
Disa
bility
Emergency
out-patient
care benefit
or service
Employee and dependents
$ 14
$ 1,680
120 days.
X
$210
$210
Thereafter— $ 3 per day.
(l )
Employee and dependents
(3 )
(3 )
Nonoccu- $40 per week.
pational.
Nonoccu- 1st year, $25 per week; thereafter, $50 per week.
pational.
(3)
(3 )
(3 )
(3 )
(3)
26
weeks
per dis
ability.
!
1
1
I
!
See "Othe r Benefits" column.
Employee and dependents
8th day. 8th day.
13
weeks
per dis
ability.
1
1
1
1
1
Compreltensive maijor m edical expense bene fit provided.
1st day. 8th day.
$25
$ 1 ,7 5 0
70 days.
X
$400, plus $50
ambulance
allowaince.
$50
X
$25
X
$25
Employee 5
$18
31 days.
—
—
$558
$200
—
Dependents 5
$ 17
Benefits described are those available to the largest group of employees covered by the plan.
Employee insured less than 1 year'and his dependents receive 50 percent of benefit.
31 days.
$527
$ 160
104
Digest o f Selected Healtlf and insurance Plans
S U R G IC A L
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N — Continued
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F I T S
M E D IC A L
Allowance
Allowances for—
Most
expensive
operation
Appendec
tomy
Tonsillectomy
Employee and dependents
Elgin National Watch
Co.
$400
Watch Workers.
Under age 12,
$ 4 5 ; over age
12, $80.
$200
Covers cases
in —
Hospital,
office, home,
elsewhere.
April 1966.
Pan American
Petroleum Corp.
Various unions.
Home
Office
Hospital
Benefits begin
Elsewhere
Maximum
compensation
Sickness
Accident
1st day.
Number
of visits
paid for
Number
of days
paid for
1st day.
Employee and dependents
$ 4 for each day of
confinement.
$400 per
disability.
(1 3
2)
Employee and dependents
Employee and dependents
Comprehensive rrlajor medicail expense benefit provided.
Benefits" column •
See "Other
1
1
1 %
I
1
!
1
1
1
1
1
1
snefit provided. See "Othe;r Benefits " columr1.
C lomprehtensive major medica1 expense b<
December 1965.
Construction industry,
various employers
(Western
Pe nns ylvania).
Employee and dependents
$400
$80
$200
Hospital,
office, home,
elsewhere.
Employee and dependents
$ 5 per day.
$ 350 per
dis ability.
1st day.
1st day.
70
(5 )
Various unions.
February 1966.
(4 )
Trucking industry,
local cartage and
over-the-road freight,
various associations,
and individual em
ployers, Central
States, Southeast and
Southwest areas.
Employee and dependents 6
$ 300
$45
$ 150
Hospital,
office, home,
elsewhere.
Employee and dependents
Teamsters.
April 1966.
(4 )
1 Excludes such benefits as X -ra y , anesthesia, and electrocardiogram allowances if they are provided only for services p e rfo rm e d in a hospital. See EXPLANATORY NOTES.
2 If surgical operation performed, allowance is the 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.
105
Under Collective Bargaining, Early 1966-----Continued
F IN A N C IN G
M A T E R N IT Y B E N E F I T S
Hospitalization
Accident and
sickness
Surgical
O T H E R B E N E F IT S 1
(types and amounts)
Schedule
allowance
for normal
delivery
Extra
allowance
or service
Daily
benefit
or service
_
Employee
Employee’s dependents
Company
Jointly
Company
Jointly
_
Employee and dependents
4 250 mate:rnity allowaiice.
Benefits foi
X
_
X
_
Diagnostic X -ra y allowance for nonhospitalized cases—
$50 per disability.
>100 mate rnity allowa ace.
(3)
Regular
benefits
for 6
weeks.
Regular
benefits
for 6
weeks.
Employee and dependent
1
1
1
1
1
!
5150 mate:rnity allowaiice.
4
Employee 6
1
Employee only
Dental benefit— 100 percent of fee schedule allowances.
Eye care benefit (for one examination, one pair of lenses
per year, and one pair of frames every 2 years)— 100
percent of fee schedule allowances.
Dependent 6
1
i
$ 120 foi• room, bo ard and
extra se rvices. 6
1
r
4
5
6
$50
Benefits described are those available to the largest group of employees covered by the plan.
Payable to surgeon for presurgery visits in hospital.
Employee insured less than 1 year and his dependent receive 50 percent of benefit.
__
X
—
Life insurance:
None (company pays full cost).
Comprehensive major medical benefits:
Employee only, $5. 06 per month; employee
and dependents, $ 14. 75; each dependent child
age 19 through 24, additional $ 4 .4 4 .
X
__
X
__
__
None (company pays full cost— $0. 175
per hour worked).
X
__
X
__
__
None (company pays
Identification allowance (for expenses involved in placing
disabled employee under care of relatives or friends)— $100.
Employee and dependents
$75
X
Comprehensive major medical expense benefit— 80 percent
of expenses incurred within a calendar year which are in
excess of $50; maximum— $10 ,0 0 0 per year and during
lifetime.
1
$ 140 for room, board and
extra services. 6
Hospital, surgical, and medical benefits:
Benefits for employee only, $ 0. 60 per week;
for employee and dependents, $ 1. 56.
_
Employee and dependents
Life insurance:
None (company pays full cost).
Accident and sickness benefit:
0. 8 percent of weekly gross earnings up to
$ 100 per week.
Supplemental major medical expense benefit— 75 percent of
expenses not covered by other plan benefits, incurred during
a benefit year which are in excess of either $>200 or 80
times employee's average straight-time hourly earnings,
whichever is greater; maximum— $ 5, 000 per year, $ 10, 000
during lifetime.
_
Amount employee contributes
Employee
$ 7 . 30 per week).
106
Digest o f Selected Health and Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND D ATE OF
IN F O R M A T IO N
Distributors
Association.
Longshoremen's and
Warehous emen' s
Union, Locals 6
and 17.
E L IG IB IL T Y
R E Q U IR E M E N T S
(when new
employees become
eligible)
Life and acciden
tal death and dis
memberment in
surance:
1 year's employ
ment, minimum
of 1, 500 hours of
work.
A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T
If permanently and totally disabled
Amount
Before
age—
Amount
Cases
covered
Insurance is—
Maintained
$ 1, 000
60
X
$ 2, 000
60
X
Paid in—
Graduated
according to—
Death or
m ultidis
memberment
Single dis
memberment
Nonoccupational.
Same as life
insurance.
Onehalf of
life in
surance.
Nonoccupational.
Same as life
insurance.
Onehalf of
life in
surance.
January 1966.
Other benefits:
1st day of month
following 30 days'
employment from
the 20th of one
month to the 20th
of following
month.
Truck Owners
Association of
California.
T eamsters.
After 30 days'
employment.
After
age 60.
—
For 1 year.
March 1966.
1
2
3
4
No accident and sickness insurance benefits provided by plan; employees covered by the California State temporary disability law.
See appendix D.
Benefits are reduced by amount employee receives under the California State temporary disability law ($ 12 a day for 20 days).
Plan pays 85 percent of actual charge up to maximum specified.
See appendix A .
107
Under Collective Bargaining, Early 1966
A C C ID E N T A N D S IC K N E S S
H O S P I T A L IZ A T I O N
Benefits begin
Duration of benefits
Cases
covered
Daily
benefit
Except
After
age—
Extended coverage
Duration
Sickness
Benefits
limited to -
Days
Daily
amount
Maximum
room and
board
allowance
Basis of
payment per—
Extra allowance
or service
Year
Disa
bility
Emergency
out-patient
care benefit
or service
Optional plan A
(l )
(')
(l >
(')
(1)
(l)
Employee and dependents
(')
Provided by the Kaiser Foundation Health Plan 2
Optional plan B
Employee
$ 14
31 days.
$434
$300, plus 75
percent of addi
tional charges;
maximum—
$ 1,600.
$ 300, plus
75 percent
of additional
charge;
maximum—
$ 1, 600.
Dependents
$ 18. 50
Same as
above.
$ 5 7 3 .5 0
Same as above.
Same as
above.
Employee 3 and dependents
n
n
i 1)
n
(*)
(■
1)
n
Semi
private
room
rate.
(4 )
235-780
70 days.
85 percent of
cost of speci
fied services,
plus 85 percent
of ambulance
charges per
trip; m axi
mum— $ 50.
Require^
services
provided.
108
Digest of Selected Health and Insurance Plans
M E D IC A L
S U R G IC A L
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T 1O N — Continued
Distributors
Association.
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F I T S
Allowance
Ailowances for—
Most
expensive
operation
Appendec
tomy
Tonsillectomy
Covers cases
in—
Home
Office
Hospital
Benefits begin
Elsewhere
Maximum
compensation
Sickness
Accident
Number
of visits
paid for
Number
of days
paid for
Optional plan A
j
Employee and dependents
Longshoremen's and
Warehousemen's
Union, Locals 6
and 17.
Provided by the Kaiser Foundation Health Plan. 1
2
Optional plan B
January 1966.
Employee
$350
$ 52. 50
$ 175
Hospital,
office, home,
elsewhere.
$5
per
visit.
$5 per $ 5 per visit.
visit.
$ 350 per year. Hospital:
1st visit.
1st visit.
1 per
day.
Home
and
office:
2d visit.
Dependents
$750
Under age 18,
$ 75; over age
18, $ 100.
$200
Same as
above.
Same $ 5 per day.
as
above.
Teamsters.
Employee and dependents
$750
Under age 18,
$ 75; over age
18, $100.
$200
Hospital,
office, home,
elsewhere.
Hospital:
1st day.
Hospital:
1st day.
Hospital:
1st visit,
Hospital:
1st visit.
Home
and
office:
3d visit.
Home
and
office:
1st visit.
1st visit.
1st visit.
31 per
disa
bility.
Employee
$ 10
per
visit.
$5 per 1st visit, $ 15;
visit. thereafter, $5 per
visit.
(3)
$ 750 per disa
bility.
(3) (4)
( 3)
March 1966.
Office:
1st visit.
Hospital:
$ 155 per disa
bility.
Truck Owners
Association of
California.
Office:
Office:
$ 250 per year. 2d visit.
(3) (4)
Dependents
Same as above.
$ 355 per disa
bility.
( 3)
(5> (4)
1
2
3
4
Excludes such benefits as X -ra y , anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital.
See appendix D.
Plan pays 85 percent of actual charges up to maximums specified.
Plus 1 in-hospital consultation allowance per disability: Limited examination— $15; complete examination— $25.
See EXPLANATORY NOTES.
70 per
disa
bility.
109
Under Collective Bargaining, Early 1966— Continued
M A T E R N IT Y B E N E F I T S
Hospitalization
Accident and
sickness
Daily
benefit
or service
Duration
Surgical
Extra
allowance
or service
(types and amounts)
Employee’s dependents
Employee
Company
Employee and dependents
Optional plan A
Benefits for—
O T H E R B E N E F IT S 1
Schedule
allowance
for normal
delivery
x
Jointly
Company
X
Jointly
Amount employee contributes
Employee
None (company pays full cost).
Dental care benefit— 73 percent of fee schedule allowance.
Employee and dependent
Optional plan A
Provided by the Kaiser Foundation Health Plan.
Provided by the Kaiser Foundation Health Plan. 2
Optional plan B
Employee only
Optional plan B
$87. 50
Diagnostic X -ray and laboratory test allowance for nonhospitalized cases— $50 during any 12 consecutive months.
Additional accident expense allowance (for expenses in
curred within 90 days of accident)— $300.
Special disease benefit (for polio, scarlet fever, diphtheria,
spinal meningitis, encephalitis, rabies, tetanus, tularemia,
typhoid, and leukemia)-—$ 5, 000 for expenses incurred with
in 2 years after first treatment which are in excess of other
plan benefits.
For employee only:
Supplemental major medical expense benefit— 80 percent of
expenses not covered by other plan benefits incurred during
a calendar year which are in excess of $ 100; maximum—
$ 10, 000 during lifetime.
Employee and dependents
1
----- ------ 1
-------------- 1
----
$150 maternity allowance.
Diagnostic X -ray and laboratory examination allowance for
nonhospitalized cases: 85 percent of charge ; maximum
per test— amount specified in fee schedule; all tests— $ 150
during any 12 consecutive months.
Additional accident expense allowance (for expenses not
covered by other plan benefits incurred within 3 months after
date of accident)—
—85 percent of charges; maximum— $400
per disability.
Polio allowance (for expenses incurred within 3 years
from date of first treatment, in lieu of all other plan bene
fits)— 85 percent of charges; maximum— $ 5 ,0 0 0 .
Supplemental major medical expense benefit: 75 percent of
expenses not covered by other plan benefits incurred during
a calendar year which are in excess of $ 100; maximum—
$ 5 ,0 0 0 during lifetime.
Dental care benefits— Fee schedule; maximum— $ 600 per
year. Oral examination and prophylaxis limited to twice a
year; full mouth X -ra y , once a year.
Eye care benefit (for examination and glasses)— 100 per
cent of fee schedule allowance.
None (company pays $30. 73 per month).
110
Digest of Selected Health and Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N
The Detroit Edison
Co.
A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T
E L IG IB IL T Y
R E Q U IR E M E N T S
If permanently and totally disabled
(when new
employees become
eligible)
After 6 months'
employment.
Amount
Before
age—
Amount equal to 1 year's base annual earnings.
60
Amount
Cases
covered
Insurance is—
Maintained
Paid in—
One-half of amount.
Graduated
according to—
Death or
multidis
memberment
Single dis
memberment
Install
ment:
Onehalf of
amount.
Utility Workers.
January 1966.
(Employee may cnoose; either.)
1
Deere and Co.
Automobile Workers.
Immediately or
1st of following
month.
Service
Immediately or
1st of following
month.
5 $1, 000
March 1966.
Coal industry (bitu
minous), various
employers.
Insurance
65
Install Nonoccu- Service.
ments. pational
death and
dism em
berment;
occupa
tional
dism em
berment
only.
Less than 1 month ___________________________________
1 month to 1 year _ ___ ____
________
______
1 year and over
_ _ ______
____ _ __ ____
$ 1, 000
6, 000
One year's
earnings:
Minimum— $ 6, 000
Maximum— $ 50, 000
At any
age.
Same as life
insurance.
Onehalf of
life in
surance.
X
United Mine Workers.
February 1966.
1 N o a c c id e n t and s ic k n e s s in s u r a n c e b e n e fit p r o v id e d b y p la n ; e m p lo y e e s c o v e r e d b y p a id s i c k - l e a v e plan .
2 A l s o p a y a b le f o r e m e r g e n c y t r e a tm e n t in c li n i c o r d o c t o r 's o f f i c e .
3 P lu s $ 100 a m on th p a y a b le f o r 24 m on th s to w id o w ( o r d e p e n d e n t w id o w e r ), d e p e n d e n t u n m a r r ie d c h ild r e n un d er 21, o r to d ep en d en t p a r e n t s . T h e r e a f t e r , $ 100 a m o n th i s p a y a b le to w id o w
(o r dep en d en t w id o w e r ) w ho is a g e 50 o r o v e r on date o f e m p l o y e e 's d eath u n til the e a r l i e r o f d e a th , r e m a r r i a g e o r a ge 62 (not p a y a b le f o r any m on th w id o w c a n q u a lify f o r M o t h e r 's I n s u r a n c e u n d e r
S o c ia l S e c u r it y ).
11 1
Under Collective Bargaining, Early 1966
A C C ID E N T A N D S IC K N E S S
H O S P I T A L IZ A T I O N
Benefits begin
Duration of benefits
Cases
covered
Amount
Period
Except
After
age—
Daily
benefit
Extended coverage
Duration
Benefits
limited to -
Days
Daily
amount
Maximum
room and
board
allowance
Basis of
payment per—
Extra allowance
or service
Year
Disa
bility
Emergency
out-patient
care benefit
or service
Employee and dependents
(1)
(M
Nonoccupational.
Hourly earnings
(M
Less than $ 2 . 6 0 __________ ___ _________ ____
$ 2. 60 to $ 2. 9 0 ________________________________
$ 2. 90 to $ 3. 2 0 __________________________
$ 3 . 20 to $ 3 . 5 0 ________________________________
$ 3 . 50 to $ 3 . 80 ________________________________
$ 3 . 80 to $ 4 . 10 _______________________________
$ 4 . 10 to $ 4 .4 0 _____________________________
$ 4 .4 0 to $ 4 . 70 _____________________________
$ 4 . 70 and over _____________________________
Occupa
tional.
52
weeks
per dis
$ 57. 50
65.00 ability.
72.50
80.00
87.50
95.00
102. 50
110. 00
117.50
Weekly benefit
Difference between workmen's compensation benefit and
above amounts.
(‘ )
i 1)
i 1)
( X)
Semi
private
room.
1st day. 8th day,
or if
earlier, Semi
private
1st in
room.
hospi
tal, or
day
(4 *
)
after
out—
patient
surgery
charge
of $25
is in
curred.
365 days.
Full cost of spec
ified services.
$20
Employee and dependents
365 days.
Full costof spec
ified services.
Required
services
provided.
(4 )
Employee and dependents 6
--------------------,--------------------------1
-------------- 1
----------------------1
-------------------------- 1
-------------------------------------------- 1
--------------- [—
Full payment for hospital care for whatever period care is required.
Required
services
provided.
* Effective Oct. 1, 1966: In approved nursing homes, convalescent and long-term illness care for 730 days. Benefits reduced by 2 days for every 1 day in the hospital.
6 Funeral expense of $350, additional $650 in 11 equal monthly payments of $50 and a 12th final payment of $ 100; if no surviving dependent, benefit limited to funeral expense of $350.
6 Widow and dependent children eligible for benefits during 12-month period that widows and survivors' benefits are received.
112
Digest of Selected Health and Insurance Plans
M E D IC A L
S U R G IC A L
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N — Continued
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F I T S
Allowances for —
Most
expensive
operation
Allowance
Appendec
tomy
Tonsillectomy
Employee and dependents
The Detroit Edison
Co.
$450
$67
$ 160
Covers cases
in—
Home
Office
Hospital,
office, home,
elsewhere.
Hospital
......
$ 5 for each day of
confinement.
Utility Workers.
Benefits begin
Elsewhere
Maximum
compensation
Number
Sickness
Accident
Number
of visits
paid for
paid for
of days
Employee, and dependents
. ____ ___ i
____________________________________________________
1st day.
1st day.
365 per
disa
bility.
1st day.
1st day. . 1 p e rday.
Hospi
tal:
365
Same as
above.
$ 1,825 per
disability.
Same as
above.
365 per
disa
bility.
January 1966.
Deere and Co.
Automobile Workers.
Employee and dependents
1
i
i
Reasonable and customary charge. 3
Hospital,
office, home,
elsewhere.
March 1966.
Employee
$3. 50 $2
per
per
visit. visit.
Reasonable and
customary charge.3
(4)
Home and
office:
$ 350 or cost
of 1 visit per
day for 52
weeks, which
ever is
greater.
Dependents
Same as above. 4
Coal industry (bitu
minous), various
employers.
United Mine Workers.
Employee and dependents
Fu 11 payment provided. 7
Hospital,
out-patient
clinics, and
specialist's
office.
Employee and dependents 7
i
;
l
1
1 ’
1
1
1
I
1
Full p;ayment for medical care in the hospital ;and in out-patieiit clinics; <
also provicles diagn<os is and
treatrrxent by :
specialists in and out of hospital.
February 1966.
1
2
3
4
5
Excludes such benefits as X -ray , anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital.
No accident and sickness insurance benefit provided by plan; employees covered by paid sick-leave plan.
Amount paid by plan is the amount an individual, whose annual income approximates that of the employee, would be charged.
Effective Oct. 1, 1966: Also applicable to care in nursing home.
Effective Oct. 1, 1966, prenatal and post-natal care allowance: z of amount payable to physician for obstetrical delivery.
/s
—
See EXPLANATORY NOTES.
113
Under Collective Bargaining, Early 1966— Continued
MATERNITY BENEFITS
Surgical
Hospitalization
Accident and
sickness
Daily
benefit
or service
Duration
Extra
allowance
or service
OTHER BENEFITS1
(types and amounts)
Schedule
allowance
for normal
delivery
Employee and dependents
Semi
private
room.
( 2)
365 days
Full cost
of speci
fied serv
ices.
Employee's dependents
Employee
Company
Jointly
Company
x
x
Anesthesia allowance for nonhospitalized cases except when
used as part of emergency out-patient care— $ 10 for each
use.
$90
Jointly
Amount employee contributes
Employee
Life insurance:
$0 . 14 per week per $ 1,000 of insurance in
excess of $ 1, 000.
Hospital, surgical, and medical benefits:
45 percent of cost.
Operating room allowance for nonhospitalized cases except
when used as part of emergency out-patient care— $ 10 for
each use.
Major medical benefit:
None (company pays full cost).
Diagnostic X-ray allowance (for diagnosis resulting in hospi
talization within 30 days, or for examination occurring with
in 48 hours after discharge from hospital and in connec
tion with disability causing hospitalization)— $20.
Ambulance allowance— $20 per trip.
Radiological therapy allowance— $ 10 per treatment;
maximum— $ 100 per year.
Supplemental major medical expense benefit: 80 percent of
expenses not covered by other plan benefits incurred during
any one disability which are in excess of $ 100; maximum—
$ 10, 000 per calendar year; $ 20, 000 during lifetime.
Regular
benefits
for 6
weeks.
Employee only
Employee
Semi
private
room.
365 days. Full cost
of speci
fied se rv
ices.
x
None (company pays full cost).
x
x
None (company pays full cost).
Employee and dependents
(5)
Dependent
.$110 for room, board and
extra services.
x
R eason
Laboratory and X -ra y examination allowance for nonhospi
a b le and
talized cases— $50 per disability.
cu stom a ry
ch arge. 3
Same as
above.
Allowance for emergency care and treatment if treated in
doctor’ s office instead of hospital, in connection with acci
dent— $15 for expenses in excess of medical, laboratory,
and X -ray examination benefits.
Radiation therapy allowance (if treatment is administered
by a physician or in out-patient department of hospital)—
Amount equal to difference between medical benefits payable
by plan and $ 300.
( 6)
Dependent only
Full payment for hospital and in-hospital
surgical and medical care; also includes
care in out-patient clinics and services
lof specialists, when required.
Rehabilitation benefit— special rehabilitation devices and
care for severely handicapped and crippled miners and
dependents; when required, medical care follow-up of dis
charged patients is provided.
Disaster benefit— small amounts provided widows and
orphans, wives and children of miners killed or seriously
injured in mines to relieve immediate acute financial
distress.
i
6
7
8
9
Effective Oct. 1, 1966: Psychotherapeutic care and psychiatric care benefits for treatment out of hospital— $300 per year.
Widow and dependent children eligible for benefits during 12-month period that widows and survivors' benefits are received.
Specified expensive drugs requiring long and continued use out of hospital are provided.
Employer contributes $0.40 per ton of coal produced for use or sale to the United Mine Workers' Welfare and Retirement Fund for health, welfare, and pension benefits.
9
114
Digest of Selected Health and Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND D A TE OF
IN F O R M A T IO N
Railroad industry,
various employers.
Various nonoper
ating railway
unions.
A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T
E L IG IB IL T Y
R E Q U IR E M E N T S
If permanently and totally disabled
(when new
employees become
eligible)
Before
age-
Amount
Cases
covered
insurance is—
Maintained
Paid in—
—
Install
ments.
Graduated
according t o -
Death or
multidismemberment
Single dis
memberment
$ 4 , 000
1st of month
following 60 days'
continuous active
service.
January 1966.
National Automobile
Transporters
Association.
After 3 months 1
covered employ
ment.
Employee
60
1st year, $ 2 ,2 5 0 ; thereafter, $ 4 ,5 0 0 .
Teamsters, National
Truckaway and
Driveaway Con
ference.
Dependent spouse
January 1966.
1st year, $250; thereafter, $500.
No accident and sickness benefit provided by plan; employees covered by Railroad Unemployment Insurance Act.
Effective July 1, 1966: $500 plus 80 percent of additional charges.
Employees insured less than 1 year and dependents receive 50 percent of benefit.
See appendix A.
Nonoccupational;
occupa
tional.
1st year __
Thereafter
$ 2 , 250
$ 4 , 500
$ 1, 125
$ 2 , 250
115
Under Collective Bargaining, Early 1966
A C C ID E N T A N D S IC K N E S S
H O S P I T A L IZ A T I O N
Benefits begin
Duration of benefits
Cases
covered
Amount
Period
Except
After
age—
Benefits
limited to—
Accident
___
_
_
_
_
_
( “)
(’ )
(*)
(*)
(l )
(l)
_
_
1st day.
Sickness
Nonoccup a tio n a l.
1st y e a r , $ 2 2 . 50 p e r w e e k ; th e r e a fte r , $ 4 5 .
13
w eeks
per
d is a
b ility .
Daily
benefit
or
service
Extended coverage
Duration
Days
Daily
amount
_
Maximum
room and
board
allowance
Basis of
payment per—
Extra allowance
or service
Year
Disa
bility
Emergency
out-patient
care benefit
or service
E m p l o y e e a n d d e p e n d e n ts
S e m i
p r iv a te
ro o m .
120 d a y s .
X
$ 5 0 0 , p lu s 7 5
p e rc e n t o f a d d i
tio n a l c h a r g e s , 2
p lu s $ 2 5 a m b u
la n c e a ll o w a n c e .
$ 5 0 0 , p lu s
75 p e r c e n t
o f a d d i
tio n a l
c h a r g e s ,2
p lu s $ 25
a m b u la n c e
a llo w a n c e .
X
$200
X
$ 160
E m p lo y e e 3
8 th d a y .
$ 18
31 d a y s .
—
—
$558
$200
—
D e p e n d e n ts 3
$ 17
31 d a y s .
$527
$ 160
116
Digest of Selected Health and Insurance Plans
M E D IC A L
S U R G IC A L
C O M P A N Y , U N IO N ,
AND DA TE OF
IN F O R M A T IO N —Continued
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F I T S
Most
expensive
operation
Tonsillectomy
Appendec
tomy
Employee and dependents
Railroad industry,
various employers.
$300
Various nonoperating
railway unions.
Allowance
Allowances for—
$ 150
$45
Hospital,
office, home,
elsewhere.
(25
)
(2)
(13
2)
Covers cases
in—
Home
Office
Hospital
Benefits begin
Elsewhere
Maximum
compensation
Accident
Sickness
Number
of visits
paid for
Number
of days
paid for
Home
and
office:
1 per
day, 120
per
year.
Hospi
tal:
120 per
disa
bility.
Employee
$5
per
visit.
$4
per
visit.
$4 per day.
1
Home and
Home ami office:
office:
4th
2d visit.
$ 600 per year. visit.
Hospital:
$480 per d is
ability.
January 1966.
Hospi tal:
1st day.
1st day.
Dependents
$4 per day.
National Automobile
Transporters
Association.
Employee and dependent 6
$300
$45
$ 150
Hospital,
office, home,
elsewhere.
$480 per d is
ability.
1st day.
1st day.
120 per
disa
bility.
Employee and dependents
Teamsters, National
Truckaway and
Driveaway Conference.
January 1966.
1 Excludes such benefits as X -ra y , anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital. See EXPLANATORY NOTES.
2 Effective July 1, 1966: Allowance for most expensive operation, $420; allowances for other procedures will also be increased.
3 No accident and sickness benefit provided by plan; employees covered by Railroad Unemployment Insurance Act. See appendix A.
4 Effective July 1, 1966: Anesthesia allowance— $84 or one-fifth of surgical fee, whichever is less; diagnostic X -ray or laboratory examination allowance— $ 100 per year; plus radiation ther
apy allowance— $ 300 per year.
5 "Deductible" means total payment collected under all basic plan benefits during calendar year, plus 25 percent of extra hospital charges in excess of $500 incurred during first 120 days of
confinement, plus additional $ 100 of charges per year.
117
Under Collective Bargaining, Early 1966----Continued
F IN A N C IN G
M A T E R N IT Y B E N E F I T S
Hospitalization
Accident and
sickness
Daily
benefit
or service
Duration
Surgical
Extra
allowance
or service
(types and amounts)
Employee and dependents
10 days.
$ 500, plus $90
75 percent
of addi
tional
charges,
plus $ 25
ambulance
charge.
Employee
Company
Jointly
Employee's dependents
Company
Jointly
Amount employee contributes
Employee
None (company pays $25. 72 per month).
( 3)
Semi
private
room.
Benefits for—
O T H E R B E N E F IT S 1
Schedule
allowance
for normal
delivery
Polio allowance (in lieu of all other plan benefits, for
expenses incurred within 3 years after disability com
mences)— $ 5,000.
Anesthesia allowance (for cases in or out of hospital if ad
ministered by professional anesthetist or doctor other than
operating doctor)— $25 per procedure or one-fifth the
amount of the surgical procedure allowance, whichever is
less. 4
Diagnostic X -ray or laboratory examination allowance for
nonhospitalized cases— $50 during any 6 consecutive months?
Supplemental major medical expense benefit— 75 percent of
expenses incurred during any calendar year which are in
excess of "deductible;" 5 maximum— $ 5, 000 during lifetime.
(4 )
Regular
benefits
for 6
weeks.
Employee
-------------- ,-----------------|
-------------$ 140 for room, board and
extra services.
Employee and dependents
$75
None (company pays $ 6 . 80 per week).
Supplemental major medical expense benefit— 75 percent7
of expenses not covered by other plan benefits incurred
during the first 2 years of a disability which are in excess of
$ 200; maximum— $ 1, 500 per disability. 8
9
Dependent 6
$120 for room, board and
extra services.
$50
6 Employees insured less than 1 year and their dependents receive 50 percent of benefit.
7 Effective July 1, 1966: 80 percent.
8 Employees insured less than 1 year and their dependents receive 75 percent of 50 percent of charges not covered by other plan benefits incurred during the 1st 2 years of a disability which are
in excess of $ 100; maximum— $750 per disability.
9 Effective Mar. 1, 1966: $ 7. 30 per week.
118
Digest of Selected Health and Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND D ATE OF
IN F O R M A T IO N
Pennsylvania Power
and Light Co.
Employees Inde
pendent Association,
January 1966.
If permanently and totally disabled
(when new
employees become
eligible)
Before
age-
Life insurance:
Annual straighttime earnings
Accidental death
and dismember
ment benefit:
After 1 year's
employment.
Less than
$ 1,000 to
$ 1 ,5 0 0 to
$ 2 ,0 0 0 to
$ 2 ,5 0 0 to
$ 3 ,0 0 0 to
$ 3 ,5 0 0 to
$ 4 ,0 0 0 to
$ 4, 500 to
$ 5 ,0 0 0 to
$ 5 ,5 0 0 to
$ 6 ,0 0 0 to
and up
$ 1 ,0 0 0
$ 1 ,5 0 0
$ 2 ,0 0 0
$ 2, 500
$ 3 ,0 0 0
$ 3 ,5 0 0
$ 4 ,0 0 0
$ 4 ,5 0 0
$ 5 ,0 0 0
$ 5, 500
$ 6 ,0 0 0
$ 6 , 500
After age 65:2
Years of
service
January 1966.
Chicago Transit
Authority.
Amalgamated
Transit.
December 1965.
$ 1 ,0 0 0
1,500
2,000
2,500
3,000
3,500
4,000
4,500
5,000
5,500
6,000
6,500
45
54
63
72
81
90
40
48
56
64
72
80
35
42
49
56
63
70
30
36
42
48
54
60
Annual basic pay
Life insurance
and accident and
sickness benefits: Less than 5 years
After 12 months'
5 years or more —
employment.
Single dis
memberment
Earnings.
Same as life
insurance.
Onehalf of
life in
surance.
Nonoccu- Earnings.
pational;
occupa
tional.
Same as life
insurance.
Onehalf of
life in
surance.
25
30
35
40
45
50
Insurance At any
age.
$ 3 ,0 0 0
4,000
5,000
6,000
7,000
8,000
9,000
10,000
1,000
Insurance At any
age.
$ 2 ,5 0 0
4,000
Other benefits:
After 3 months'
employment.
Employees with less than 6 months' service provided $500 death benefit, regardless of earnings.
$ 500 guaranteed employee.
No accident and sickness insurance benefit provided by plan; employees covered by paid sick-leave plan.
Occupa
tional.
Death or
multidis
memberment
$ 2 ,0 0 0
3,000
4,000
5,000
6,000
7,000
8,000
9,000
10,000
11,000
12,000
13,000
Less than $ 3 ,0 0 0 ------------------------------------------------------------$ 3 ,0 0 0 to $ 4 ,0 0 0 ------------------------------------------------------------$ 4 ,0 0 0 to $ 5 ,0 0 0 ------------------------------------------------------------$ 5 ,0 0 0 to $ 6 ,0 0 0 ------------------------------------------------------------$ 6 ,0 0 0 to $ 7 ,0 0 0 ------------------------------------------------------------$ 7 ,0 0 0 to $ 8 ,0 0 0 ------------------------------------------------------------$ 8 ,0 0 0 to $ 9 ,0 0 0 ------------------------------------------------------------$ 9 ,0 0 0 to $ 1 0 ,000 --------------------------and up in increments of $ 1 ,0 0 0 ---------------------------------------
Communication
Workers.
Install
ments.
Graduated
according to -
Insurance
Percent of annual earnings if over age
70
65
66
68
67
and o1
69
5 to 10 --------------------------- 50
10 to 1 5 -------------------------- 60
15 to 2 0 -------------------------- 70
20 to 25 -------------------------- 80
25 to 30 -------------------------- 90
30 and o v e r-------------------- 100
After 6 months'
employment.
Maintained
Insurance
When period of employment is 1
6 months to 1 year 1 year and
-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Amount
Cases
covered
insurance is—
65
Before age 65;
1st of following
month.
Other benefits:
l'ft of month fol
lowing 1 month's
employment.
American Telephone
and Telegraph Co.
(Long Lines
Dept.).
A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T
E L IG IB IL T Y
R E Q U IR E M E N T S
With less than 5 years'
service— for 1 year;
with 5 to 10 years'
service— for 2 years;
with 10 to 15 years'
service— for 3 years;
for 15 years' service
or more— for 1 year,
then reduced 10 per
cent of initial amount
annually for 5 years
minimum— $ 1,500.
. year.
119
Under Collective Bargaining, Early 1966
A C C ID E N T A N D S IC K N E S S
H O S P I T A L IZ A T I O N
Duration of benefits
Cases
covered
Amount
Period
Benefits begin
Except
After
age—
Benefits
limited to—
Accident
Sickness
_
__
_
_
__
(3)
(3)
(3)
(3)
(3)
Daily
benefit
or
service
Duration
Days
Daily
amount
_
__
_
__
__
__
(3)
(3)
(3)
(3)
(3)
(3)
__
__
Sem iprivate
room.
70 days.
Nonoccu- $65 per week. 5
pational.
Occupa
tional.
26
weeks
per
disability.
Y cdl
T odf
Disa
bility
Emergency
out-patient
care benefit
or service
X
Required
services
provided.
X
Required
services
provided.
X
$160
Employee and dependents 4
Semiprivate
room.
120 days.
Full cost of
specified
services.
Employee and dependents
8th day. 8th day.
$16
40 days.
Difference between workmen's compensation benefit and
above amount.
Associated Hospital Service of New York (Blue Cross plan); workers in other areas covered by different programs.
Effective Dec. 1, 1966: $67. 50. Effective Dec. 1, 1967: $70.
Basis of
payment per—
Extra allowance
or service
Full cost of
specified
services.
__
(3)
Maximum
room and
board
allowance
Employee and dependents
_
_
(3)
(3)
__
Extended coverage
80
$8
$ 1 ,2 8 0
Full cost of
services for
first 40 days;
50 percent of
cost for addi
tional 80 days.
—
120
Digest of Selected Health and Insurance Plans
SURGICAL
C O M P A N Y , U N IO N ,
AND D A TE OF
IN F O R M A T IO N — Continued
Pennsylvania Power and
Light Co.
Employees Independent
Association.
January 1966.
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F I T S
Individual coverage, $ 2,500; em
ployee and 1 or
more dependents,
$ 4 ,0 0 0 .
MEDICAL
Allowance
Allowances for—
Most
expensive
operation
Tonsillectomy
Appendec
tomy
Employee and dependents 2
$200
$40
$100
Covers cases
in—
Home
Office
Hospital
Benefits begin
Elsewhere
Sickness
Accident
Nm a
h
niime
u ur
Number
of visits
paid for
_ of days
paid for
Employee 2
Hospital,
office, home,
$ 5 per $4per 1st day, $10; 2d
els ewhere.
visit. visit. day, $5; there
after, $3 per day.
(2)
(1
2)
Maximum
compensation
Home:
$ 105 per year.
Office:
$84 per year.
(34
)
Hospital:
$219 per
disability.
Home
Home
Home
Hos
pital:
and
and
and
office: . 70 per
office:
office:
disa
4th visit. 4th visit. 21 per
bility.
year.
Hospital: Hospital:
1st day.
1st day.
( 3)
Dependents 2
—
American Telephone
and Telegraph Co.
(Long Lines D ept.).
Individual coverage $ 4 ,0 0 0 ;
family coverage
$ 6 ,0 0 0 .
Employee and dependents 5
$500
Communication
Workers.
Under age 12,
$ 65; over age
12, $75.
$175
Hospital,
office, home,
elsewhere.
January 1966.
Employee and dependents
Chicago Transit
Authority.
$225
Amalgamated
Transit.
$37. 50
$150
Hospital,
office, home,
elsewhere.
—
Same as above.
—
$219 per
disability.
1st day.
1 st day.
1st day.
1st day.
1st day.
1st day.
1st through 7th day,
$7 per day; 8th
through 14th day,
$6; 15th through
70th day, $5;
thereafter, $4. 6
$571 per
disability.
120
per
disa
bility.
(6)
Employee only
$ 3. 50 per visit.
$ 140 per year.
(9)
Excludes such benefits as X -ra y , anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital.
Employee may have more liberal benefits for himself and his dependents by paying the additional cost.
Plus 1 in-hospital consultation allowance per disability, $10.
No accident and sickness insurance benefit provided by plan; employees covered by paid sick-leave plan.
United Medical Service, Inc. , New York, N. Y. (Blue Shield plan); workers in other areas covered by different programs.
If intensive medical care is required, 1st 2 days, $20; 3d through 21st day, $8; 22d through 70th day, $5; thereafter, $4; maximum— $630.
Same
as
above.
Employee and dependents 5
(9)
December 1965.
1
2
3
4
5
6
—
See EXPLANATORY NOTES.
1 per
day.
40 per
year.
121
Under Collective Bargaining, Early 1966----Continued
M A T E R N IT Y B E N E F I T S
F IN A N C IN G
Hospitalization
Accident and
sickness
Daily
benefit
or service
Surgical
Duration
O T H E R B E N E F IT S 1
(types and amounts)
Schedule
allowance
for normal
delivery
Extra
allowance
or service
Employee
Company
Employee’s dependents
Jointly
Employee and dependents
Sem iprivate
.room.
10 days.
Company
Jointly
x
X -ray radium treatment allowance (for treatment of speci
fied conditions in or out of hospital)-— not available for sur
gical cases.
Full cost
of speci
fied
services.
Dependents' benefits:
Full cost— benefits for spouse without mater
nity, $5. 72 per month; for spouse with maternity
or spouse with maternity and all children, $8. 53;
for widow(er) and 1 child, $4. 38; for widow(er)
and 2 or more children, $ 7 .7 2 .
Employee and dependents
$90
(7 )
Employee and dependents
"1
$120 for room, board and
extra services.
Employee's benefits:
Life insurance— $ 0 .4 0 per month per
$ l , 000 of insurance in excess of $500.
Other benefits— None (company pays full cost).
Supplemental major medical expense benefit— 80 percent of
expenses not covered by other plan benefits incurred during
each benefit year, which are in excess of $100; maximum—
$10,000 per disability.
$100 for room, board and
extra services.
Amount employee contributes
Employee
Life and accidental death and dismemberment
insurance:
$0. 40 a month per $ 1 ,0 0 0 of life insurance in
excess of $ 2 ,0 0 0 .
Supplemental major medical expense benefit:
80 percent Of expenses incurred during each medical ex
pense period of 12 months which are in excess of basic plan
benefits and deductible; 8 maximum during lifetime— em
ployee and dependent under age 65, $ 2 0 ,000 each; each
dependent of active employee over age 65, $ 5 ,0 0 0 .
Hospital, surgical and medical benefits:
One-half of cost.
Major medical benefit:
None (company pays full cost).
x
x
Employee's benefits:
Hospital and surgical— $2. 25 per month.
$75
Other benefits— None (company pays full cost).
Dependents' benefit: Full cost— one depend
ent, $9 per month; two dependents or more—
$ 14 per month.
7 Associated Hospital Service of New York and United Medical Service, Inc. , New York (Blue Cross and Blue Shield plans); workers in other areas covered by different programs.
8 Deductible is 4 percent of annual basic pay; minimum— $100, maximum— $500.
9 Plus in-hospital consultation allowances; $25 per disability; $50 per year.
122
Digest of Selected Health and' Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N
E L IG IB IL T Y
R E Q U IR E M E N T S
(when new
employees become
e ligible)
A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T
If permanently and totally disabled
Amount
Before
age—
Maintained
Twin City Lines Inc.
(Minneapolis,
M inn.).
After 6 months’
employment.
Less than 5 y e a r s ---------5 to 10 y e a r s ------------------ —
10 years and over ---------
Amalgamated Transit.
Insurance 60 and
insured
1 year.
$ 1 ,5 0 0
2,000
2,500
Service
—
—
Amount
Cases
covered
Insurance is —
____
Paid in—
Install
ments.
____
____
Nonoccupational;
occupa
tional.
____
Nonoccupational;
occupa
tional.
Graduated
according to—
Death or
m ultidismemberment
____
____
Single dis
memberment
____
March 1966.
Retail, wholesale,
and warehouse
industries, various
employers (New
York, N. Y .).
After 90 days’
employment.
Years of active plan membership At any
age.
5
10
15
Under 5
Less than $ 7 5 ---------------- ---------$75 .0 1 to $100 ------------- ---------$100. 01 to $125 ------------ ---------$125. 01 to $150 --------------------$150.01 to $ 1 7 5 ------------ ---------$175.01 and over --------------------
Retail, Wholesale
and Department
Store Union,
District 65 (65
Security Plan).
Average weekly
earnings2
$ 1 ,0 0 0
1,500
2,000
2,500
3,000
3,500
$2,0 0 0 $ 2 , 500
3,000
2, 500
3,000’
3, 500
3,500
4,000
4,000
4,500
4, 500
5,000
For 1 year from
date weekly accident
and sickness benefit
is exhausted.
____
$ 1 ,0 0 0
$500
Same as life
insurance.
Onehalf of
life in
surance.
$ 3 ,0 0 0
3, 500
4,000
4,500
5,000
5, 500
20
25
30
35
$ 3 ,5 0 0
4,000
4,500
5,000
5,500
6,000
$4,0 0 0
4, 500
5,000
5, 500
6,000
6,500
$ 4 , 500
5,000
5, 500
6,000
6, 500
7,000
$ 5 ,0 0 0
5, 500
6,000
6, 500
7,000
7,500
January 1966.
Less than $75 ---------------- ---------$75.0 1 to $100 ------------- ---------$100.01 to $125 ----------- ---------$125.01 to $150 ------------ ---------$150. 01 to $175 ------------ ---------$175.01 and over --------------------
(3)
New York Shipping
Association, Inc.
(Port of New York).
Longshoremen1
s
Association.
Accident and
sickness benefit:
Eligibility re
quirements of
New York State
temporary
disability law.
$ 5 ,0 0 0
____
March 1966.
Other benefits:
After 700 hours'
employment
during previous
fiscal year.
No accident and sickness insurance benefit provided by plan; employees covered by paid sick-leave plan.
Earnings classes are inclusive.
Additional burial benefit provided.
____
____
123
Under Collective Bargaining, Early 1966
H O S P I T A L IZ A T I O N
A C C ID E N T A N D S IC K N E S S
Duration of benefits
Cases
covered
Amount
Benefits begin
Except
Period
After
age—
Benefits
limited to—
Accident
Sickness
Daily
benefit
or
service
Extended coverage
Duration
Days
Daily
amount
Maximum
room and
board
allowance
Basis of
payment per—
Extra allowance
or service
Year
Disa
bility
Emergency
out-patient
care benefit
or service
Employee
C)
(l )
(*)
(M
(l )
$20
31 days.
$620
Full cost of
services.
Required
services
provided.
____ ____
Dependents
$17
Nonoccu- 1st 13 weeks, two-thirds of average weekly earnings;
pational. thereafter, 50 percent of average weekly earnings.
Maximum— $75 per week. 4
Occupa
tional.
31 days.
26
weeks
per dis ability.
_
$527
Full cost of
services.
_
X
Required
services
provided.
X
$7. 25
Employee and dependents
26
weeks
per dis
ability.
Semi
private
room.
120 days. 180
Difference between workmen's compensation benefit and
above amount.
Nonoccu- $ 5 5 , if working in New York; $ 5 0 , if working in New
pational. Jersey.
_
50 per
cent of
cost of
sem iprivate
room.
Full cost of
specified serv
ices for 1st 120
days; 50 percent
of cost for addi
tional 180 days.
Employee
1st day. 8th day.
$24
70 days.
$ 1, 680
$400, plus 75
percent of addi
tional charges.
x
$400, plus
75 percent
of additional
charges.
X
$400, plus
75 percent
of additional
charges. 5
Dependents
$20
70 days.
$ 1 ,4 0 0
$400, plus 75
percent of addi
tional charges.5
_
Available to employee after 90 days' employment. Employee with at least 4 weeks but less than 90 days' employment receives benefits required by New York State temporary disability law.
See aP? endix A.
Collateral dependents, if covered, receive a less liberal benefit.
124
Digest of Selected Health and Insurance Plans
S U R G IC A L
C O M P A N Y , U N IO N ,
AND D ATE OF
IN F O R M A T IO N — Continued
Twin City Lines Inc.
(Minneapolis, Minn.).
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F IT S
Most
expensive
operation
_
Appendec
tomy
Tonsillectomy
Employee
$300
$45
$150
Amalgamated Transit.
$150
Hospital
Hospital,
office, home,
$ 3 per $ 2 per $ 3 per visit.
elsewhere.
visit. visit.
$25
Elsewhere
Maximum
compensation
$ 3 per
visit.
$ 150 per d isa
bility.
_
Under age 12,
$45; over age
12, $65.
$85
$85
E ls e
where:
1st visit.
—
(1 3
2)
Employee and dependents
Provided by the Health Insurance Plan of Greater New Y ork 4
$125
$200
$ 6 per $4per $ 5 per visit.
Hospital,
office, home, visit. visit.
elsewhere.
Hospital, N
office, home,
elsewhere.
Unlimited.
1st visit.
1st visit.
1 per
day.
—
—
Employee and dependents
—
—
—
—
—
—
(7)
$200
Excludes such benefits as X-r'ay, anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital.
If disabled for at least 7 days, employee is entitled to 3 visits within 31 days after returning to work.
No accident and sickness insurance benefit provided by plan; employees covered by paid sick-leave plan.
See appendix C.
Number
of days
paid for
Optional plan B 5
Dependents
$350
Number
of visits
paid for
Optional plan A
Employee
$400
Accident
Hospital: Hospital: 1 per
1st visit. 1st visit. day.
E lse
where:
2d visit.
Optional plan B
$250
Sickness
Employee only
$100
Provided by the Health Insurance Plan of Greater New York4
Longshoremen's
Association.
1
2
3
4
Office
Benefits begin
Optional plan A
January 1966.
March 1966.
Home
Employee and dependents
Retail, Wholesale and
Department Store
Union, District 65
(65 Security Plan).
New York Shipping
Association, Inc.
(Port of New York).
Covers cases
in—
Dependents
March 1966.
Retail, wholesale, and
warehouse industries,
various employers
(New York, N. Y . ).
M E D IC A L
Allowance
Allowances for—
See EXPLANATORY NOTES.
—
125
Under Collective Bargaining, Early 1966----Continued
F IN A N C IN G
M A T E R N IT Y B E N E F I T S
Hospitalization
Accident and
sickness
Daily
benefit
or service
Duration
Surgical
Schedule
allowance
for normal
delivery
Extra
allowance
or service
Employee
(3 )
$ 200 for room, board and
extra services.
Dependent
' l-----------------1
-----------------$ 170 for room, board and
extra services.
Regular
benefits
for 6
weeks.
(types and amounts)
$75
Employee
Company
Employee only
Jointly
Amount employee contributes
Employee's dependents
Company
Jointly
Employee
One-half cost of benefits; contribution varies %
according to his life insurance coverage.
Diagnostic X-ray and laboratory examination allowance for
nonhospitalized cases— $50 per disability.
Amount of life
insurance
Employee and dependents
Optional
plan A
Monthly contribution
Type of coverage
No
With
dependents dependents
$ 1 ,5 0 0 -----------------------------$2,0 0 0 -----------------------------$ 2 ,5 0 0 ------------------------------
$50
Employee and dependent
$ 125 for room, board and
extra services.
O T H E R B E N E F IT S 4
$7. 15
7.7 2
8. 28
$12. 35
12.92
13.49
None (company pays full cost).
Optional plan A
Provided by the Health Insurance Plan of Greater New York.4
Provided
by the
Pharmacy and optical service— special rates.
Health
Insurance
Plan of
Optional plan B
Greater
New York4
X -ray therapy allowance for cases in or out of hospital—
$6. 50 per treatment; maximum— $150 per year.
Optional
plan B
Allergy diagnosis (scratch tests) allowance for cases in or
out of hospital— $ 25 during life of plan.
6$ 125
Allergy treatment allowance for cases in or out of hospital—
$50 per year (if less than 13 treatments— $4 per treatment).
X -ray and laboratory examination allowance for cases in or
out of hospital— maximum $150 per year.
Ambulance allowance for transportation from home to hos
pital— $ 20.
Pharmacy and optical services— special rates.
Dependent
$125 for room, board and
extra services.
Employee and dependents
Supplemental major medical expenses benefit— 80 percent
of expenses not covered by other plan benefits incurred
during a disability which are in excess of $100; maximum—
$ 5 ,0 0 0 during lifetime.
Employee only
Dental care benefit—-without cost, at ILA-NYSA Medical
Center.
Allowances are payable irrespective of actual charge.
Plus $125 for medical care.
Free diagnostic medical services provided at ILA-NYSA Medical Centers.
None (company pays $ 0 .0 8 to the Medical
Center's fund and $ 0. 225 per man-hour worked
to the welfare fund).
126
Digest of Selected Health and Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND DATE OF
I N F O R M A T IO N
Maritime industry,
various employers,
Atlantic and Gulf
Coasts.
Maritime Union.
January 1966.
A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T
B L IG IB IL T Y
R E Q U IR E M E N T S
If permanently and totally disabled
(when new
employees become
eligible)
Amount
200 days' covered $3, 500
employment in a
period of 12 con
secutive quarters
Before
age—
Amount
Cases
covered
Insurance is—
Maintained
Paid in—
Graduated
according to—
Death or
multidis
memberment
Single dis
memberment
60
For 1 year, then
reduced $ 150
monthly to minimum
of $ 1, 500.
Nonoccupational;
occupa
tional.
Same as life
insurance.
Onehalf of
life in
surance.
60
X
Nonoccupational;
occupa
tional.
Same as life
insurance.
Onehalf of
life in
surance.
and
100 days' covered
employment dur
ing preceding 4
consecutive cal
endar quarters or
calendar year
or
30 days' covered
employment dur
ing preceding 6
months. 1
4
3
2
Maritime industry,
various employers,
Atlantic and Gulf
Coasts.
Marine Engineers.
Regular
engineers:
30 days' covered
employment dur
ing 6 consecu
tive months.
$ 5 , 000
April 1966.
1
2
3
4
Partial benefits are provided to employees who do not meet these requirements.
Benefit not payable during any period for which benefits are payable under a Seaman's War Risk Insurance policy.
Seamen receive free medical and surgical care in Marine hospitals and out-p?itient clinics, under the United States Maritime law.
Plus $ 12 per day for 20 days, if confined to a hospital.
127
Under Collective Bargaining, Early 1966
A C C ID E N T A N D S IC K N E S S
H O S P I T A L IZ A T I O N
Duration of benefits
Cases
covered
Nonoccupational;
occupa
tional.
(2)
Amount
Except
Period
18 ______________
Accident
Sickness
Period
of hos
pital
confine
ment.
1st day
in hos
pital.
1st day ____
in hos
pital.
$ 16
8th day
or 1st
in hos
pital.
8th day
or 1st
in hos
pital.
Duration
Days
Daily
amount
Maximum
room and
board
allowance
Basis of
payment per—
Extra allowance
or service
Year
Disa
bility
Dependents only 3
•70 days.
$ 1, 120
$320
X
100
20 and ov er____
week.
Benefits
limited to—
Extended coverage
$70
75
80
85
90
95
Less than 15 —
15 __________
$ 50 per
After
age—
Daily
benefit
or
service
39
weeks,
1st 20 weeks of hospital confinement— $40 per week if
m arried, $30 if unmarried; next 32 weeks, $35 per
Week if married, $25 if unmarried; thereafter:
Years in industry
Monthly benefit
1 !ZZZ’. .
7
.
Nonoccupational;
occupa
tional.
Benefits begin
(4)
Dependents only 3
$20
70 days.
$ 1,400
$500
X
Emergency
out-patient
care benefit
or service
128
Digest of Selected Health and Insurance Plans
M E D IC A L
S U R G IC A L
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N —-Continued
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F I T S
Allowance
Allowances for—
Most
expensive
operation
Tonsillectomy
Appendec
tomy
Dependents only 1
2
Maritime industry,
various employers,
Atlantic and Gulf
Coasts.
$300
$45
Covers cases
in—
Home
Office
Hospital
Benefits begin
Elsewhere
Maximum
compensation
Sickness
Accident
3d visit
retro
active to'
1st if
hospi
talized.
1st visit.
Employee and dependents 2
Hospital. 3
4
$ 150
Maritime Union.
January 1966.
Maritime industry,
various employers,
Atlantic and Gulf
Coasts.
Marine Engineers.
_
Dependents only 2
$300
$45
$ 150
Hospital,
office, home,
elsewhere.
Dependent only 2
$5 per
day.
$ 5 per day.
$5 per day. $350 per disa
bility and for
all disabilities
during any 12month period.
April 1966.
or
1st in
hospital.
1
2
3
4
Excludes such benefits as X -ra y , anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital.
Seamen receive free medical and surgical care in Marine hospitals and out-patient clinics, under the United States Maritime lawi
Emergency surgical care in doctor's office also provided.
Payable irrespective of actual charges.
See EXPLANATORY NOTES.
Number
of visits
paid for
Number
of days
paid for
129
Under Collective Bargaining, Early 1966----Continued
F IN A N C IN G
M A T E R N IT Y B E N E F I T S
Hospitalization
Accident and
sickness
Surgical
Extra
allowance
or service
Daily
benefit
or service
Schedule
allowance
for normal
delivery
Company
Employee only
Dependent only
Employee
Jointly
Employee's dependents
Company
Jointly
Amount employee contributes
Employee
None (company pays full cost).
Eye care benefit (for examination and glasses every
2 years)— full cost.
$200 for room, board and
extra se rv ic e s.4
$100 for room, board and
extra services.
(types and amounts)
Employee and dependents
Dependent only
---------- 1 ; ------1
— --------------
O T H E R B E N E F IT S 1
$75
Transportation allowance for transporting body of employee,
who dies outside of United States to United States— $ 1, 000
(at fund's discretion).
Dependents only
Additional accident expense allowance (for expenses not
covered by other plan benefits)— $300.
Diagnostic X-ray and laboratory examination allowance for
cases out of hospital— $ 75 during any 6-month period.
Polio allowance (for expenses incurred during 1st 2 years
of disability, in lieu of all other benefits)— $ 5, 000.
Employee and dependents
Eye care benefit (for examination and glasses every
2 years)— by contract optometrists— full cost; by other
optometrists— examination only, $2 ; examination, basic
frames and lenses, $ 9 , and $4 additional for bifocal lenses.
None (company pays $ 1 18 per man per day on
payroll).
130
Digest o f Selected Health and Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N
H otel A s s o c i a t io n o f
N ew Y o r k C ity , Inc.
New Y o r k H o te l and
M o te l T r a d e s
C o u n c il.
D e c e m b e r 1965.
P a c i f i c M a r it im e
A s s o c i a t io n .
L o n g s h o r e m e n 's
and W a r e h o u s e
m e n 's U nion .
D e c e m b e r 1965.
A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T
E L IG IB IL T Y
R E Q U IR E M E N T S
If permanently and totally disabled
(when new
employees become
eligible)
A c c id e n t and
s i c k n e s s b e n e fit :
A fte r 4 w e e k s '
c o v e r e d e m p lo y
m e n t.
Amount
$ 1 , 000
Before
age—
60
Amount
Cases
covered
Insurance is—
Maintained
X
Paid in—
N on occu p a t io n a l;
occu pa
t io n a l.
Graduated
according to—
Death or
multidis
memberment
Sam e as life
in s u r a n c e .
Single dis
memberment
O n e -h a lf
o f life in
su ran ce.
O th e r b e n e f i t s :
A fte r 6 m o n th s'
c o v e r e d e m p lo y
m e n t.
On J u ly 1, i f e m $ 2 , 000
p lo y e d 800 h o u r s
in p r e v i o u s p a y
r o l l y e a r o r 400
in la s t h a lf o r
p r e v io u s p a y r o ll
y e a r ; on J a n u a ry 1
i f e m p lo y e d 400
h o u r s in f i r s t
h a lf o f p r e c e d in g
p a y r o ll y e a r. 1
2
N on occu p a t io n a l;
occu pa
t io n a l.
S am e as life
in s u ra n ce .
O n e -h a lf
o f life in
su ran ce.
1 A p p lie s on ly to m e n in p o r t s w h e r e 75 p e r c e n t w o r k at le a s t 800 h o u r s p e r y e a r . In p o r t s w h e r e 75 p e r c e n t w o r k l e s s than 800 h o u r s , e l ig i b i li t y i s b a s e d on 4 8 0 h o u r s p e r y e a r o r 240 p e r
6 -m o n th p e r i o d . A ll fu lly r e g i s t e r e d m e n a r e a u t o m a t ic a lly e lig i b l e in a ll W a sh in g to n and O r e g o n p o r t s ; p a r t ia lly r e g i s t e r e d m e n in t h e s e p o r t s q u a lify a c c o r d in g to a b o v e w o r k h o u r s f o r m u l a .
2 T o c o l l e c t b e n e fit, m e n r e g u la r ly e m p lo y e d in in d u s t r y m u s t h a ve w o r k e d at l e a s t 1 d a y in la s t 31 d a y s p r i o r to f i r s t day o f d is a b ilit y . E m p l o y e e s in C a li f o r n ia a r e c o v e r e d b y the C a lif o r n ia
State t e m p o r a r y d is a b ilit y la w . S ee a p p e n d ix A .
131
Under Collective Bargaining, Early 1966
HOSPITALIZATION
ACCIDENT AND SICKNESS
B e n e f its b e g in
D u r a tio n o f b e n e f it s
E x te n d e d c o v e r a g e
B a s is o f
p a y m e n t p e r—
D a ily
Cases
Am ount
c o v e re d
Except
P e r io d
A f te r
age—
N on occu p a t io n a l.
$33 p e r w eek.
N on occu p a t io n a l.
$53 p e r w eek. 2
20
weeks
per dis
ability.
26
weeks
__
B e n e f its
lim it e d t o —
_
A c c id e n t
S ic k n e s s
M a x im u m
b e n e f it
room and
E x t r a a llo w a n c e
o u t-p a tie n t
D a ily
bo ard
or s e r v ic e
D is a
c a re b e n e f it
am ount
a llo w a n c e
b i li t y
or s e r v ic e
or
_
Days
s e r v ic e
Year
E m e rg e n c y
Employee and dependents
1st day. 8th day.
Semip rivate
room.
_
D u r a tio n
21 days.
180
50 per
cent of
cost of
sem i
private
room.
X
Full cost of
specified serv
ices for 1st 21
days; 50 percent
of cost for addi
tional 180 days.
$7. 25
X
—
Optional plan A 3
1st d a y . 8th day.
Employee and dependents
per
year.
Provided by the Kaiser Foundation Health Plan. 4
Optional plan B 3
Employee
$27. 50
70 days.
__
—
$ 1,925
$400
—
Dependents
Same as 35 days.
above.
These optional plans are available to the majority of employees under ILWU—
PMA welfare plan.
See appendix D.
$962. 50
$280
X
132
Digest of Selected Health and Insurance Plans
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N — Continued
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F I T S
Most
expensive
operation
December 1965.
Tonsillectomy
Appendec
tomy
Employee
Hotel Association of
New York City, Inc.
New York Hotel and
Motel Trades Council.
Allowance
Allowances for—
Provided by New York Hotel Trades
Council and Hotel Association of New
York Citv. Inc.. Health Center. *3
24
*
!
_____________I
________________ ZL---------------'
Dependents
Covers cases
in—
Home
Hospital
Office
Benefits begin
Elsewhere
Maximum
compensation
Sickness
Accident
Number
of visits
paid for
Number
of days
paid for
Employee
Employee:
Hospital,
! health center,
:------- 1-------- 1— ;-------------------- 1-------------- 1------------------- 1------------ 1------------ 1---------- 1--------
Dependents:
Hospital,
office, home,
elsewhere.
_
- i _________1____________ ; ____________________________ I_____________________L _ __________ I_____________ I___________ I________
Provided by New York Hotel Trades Council and Hotel Association of New York City, Inc., Health
Center, Inc., Plan and Union Family Medical Fund of the Hotel Industry of New York City. 2
Dependents
-------- 1
-------- 1-------------------------1-------------- 1------------------- 1------------ 1-------Provided by Union Family Medical Fund of the Hotel Industry of New York City.
$300
Child— $ 50.
Adult— $ 65.
$125
Employee and dependents
Pacific Maritime
Association.
Optional plan A
Longshoremen's and
Warehousemen's
Union.
6
Provided by the Kaiser Foundation Health Plan. 7
Optional plan B 6
February 1966.
$300
Under age 15,
$45; over age
15, $52. 50.
$150
Hospital,
office, home,
elsewhere.
Employee
$7 . 50 $5
$5 for each day of
confinement.
_
Hospital:
$350 per d is
ability.
1st visit. lst'v isit.
Home and
office:
Unlimited.
Home
and
office/:
1 per
day.
Hos
pital:
70per
d is
ability.
above.
Hos
pital:
35 per
d is
ability.
7
Dependents
$5
$3
Same as above.
Hospital:
$ 175 per d is
ability.
Home and
office:
Unlimited.
2d visit.
Same as
above.
• 1 Excludes such benefits as X -r a y , anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital. See EXPLANATORY NOTES.
2 Surgical and medical care are provided in the hospital. Complete ambulatory, diagnostic, and therapeutic services are provided at the Health Center and Family Medical offices.
3 Available only to employee insured for life, accidental death and dismemberment, and hospitalization.
4 The benefits provided include general medical and specialists care; standard laboratory and other diagnostic procedures, including X -ra y s and refractions; physical therapy, rehabilitation,
X -ray therapy, and iiyection therapy; the services of m edical-social workers; visiting nurses; and ambulance service. Drug prescriptions are sold at or below cost; and eyeglasses, surgical appli-*
ances, and special orthopedic shoes at reduced rates through referral to outside agencies.
The Center's diagnostic services are also available to patients under the care of private physicians.-
133
Under Collective Bargaining, Early 1966— Continued
F IN A N C IN G
M A T E R N IT Y B E N E F I T S
Surgical
Hospitalization
Accident and
sickness
Dai
Duration
or service
Regular
benefits
for 6
weeks.
Extra
allowance
or service
O T H E R B E N E F IT S
Schedule
allowance
for normal
delivery
(types and amounts)
( 3)
--------------- !---------------
Provided by !
New York
Hotel Trades
Council and
Hotel A ssoci
ation of New
York City,
Inc., Health
fCenter, Inc.
Plan and
Union Family
Medical Fund
of the Hotel
Industry of
New York
City. 2
Employee
Company
Employee and dependents)
$80 for room, board and
extra services.
Benefits for—
Employee's dependents
Jointly
x
Company
Jointly
x
Amount employee contributes
Employee
None (company pays full cost). 5
Provided by New York Hotel Trades Council and Hotel
Association of New York City, Inc., Health Center Plan
and the Union Family Medical Fund of the Hotel Industry
of New York City. 4
Dependent
Same as above.
Provided by
Union Family
Medical Fund'
of the Hotel
Industry of
New York
City. 2
Dependents under age 15
Dependent only
Optional plan A 6
Dental care benefit— Full cost.
Provided by the Kaiser Foundation
Health Plan. 7
Optional plan B 6
$125 for room, board and
extra services.
x
x
1 percent of annual earnings. 8 (Company pays
$ 0 . 211 per man-hour worked).
Optional plan A 6
Employee and dependents
Provided by the Kaiser Foundation Health Plan. 7
$ 125
Optional plan B 6
Employee and dependents
Diagnostic X -ray and laboratory examination allowance
for nonhospitalized cases:
Employee— $85 per condition per 6 months.
Dependent— $50 per condition per 6 months.
Supplemental major medical expense benefit— 100 per
cent of excess of other plan benefits and $250; maximum—
$700 per disability.
Dependent only
Dread disease benefit (in lieu of all other plan benefits)—
for expenses incurred during 1st 2 years after onset of
illness— $ 2 ,0 0 0 .
Employer pays to Insurance Fund 2. 7 percent of payroll; and to Family Medical Fund, if employee works less than 32 hours a week— $ 0. 025 per hour wo.rked, or if employee works 32 hours
— $ 1 per week, plus 0. 8 percent of payroll.
These optional plans are available to the majority of employees under ILWU—
PMA welfare plan.
See appendix D.
In California 1 percent of first $ 7,400 of annual earnings contributed to the State's temporary disability fund.
134
Digest o f Selected Health and Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND D A TE OF
IN F O R M A T IO N
Restaurant industry,
various employers
(New York, N. Y. ).
. E L IG I B I L T Y
R E Q U IR E M E N T S
(when new
employees become
e ligible)
After 6 months'
employment.
December 1965.
Realty Advisory
Board on Labor
Relations, Inc.
(New York, N. Y. ).
Amount
After 30 days'
employment.
Average weekly
earnings
Maintained
Paid in—
60
X
—
X
____
____
60
Insurance
X
—
Nonoccupational.
$ 1 , 000
1, 500
2, 000
2, 500
3,000
3,500
4 ,0 0 0
$ 1 , 000
Accident and
sickness benefit:
Immediately or
1st of following
month.
Before
age—
Amount
Cases
covered
Insurance is —
60
Base weekly earnings
Less than $ 3 0 ------------------------------------------------------------------$30 to $ 4 0 ________________________________________________
$40 to $ 5 0 -------------------------------------------------------------------------$50 to $ 6 0 -------------------------------------------------------------------------$60 to $ 7 0 -------------------------------------------------------------------------$70 to $ 8 0 -------------------------------------------------------------------------$80 and over----------------------------------------------------------------------
Hotel and Restaurant
Employees,
Local 89.
A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T
If permanently and totally disabled
Graduated
according to—
Nonoc.cu- Earnings.
pational;
occupa
tional.
____
Death or
m ultidis
memberment
Same as life
insurance.
____
Single dis
memberment
One-half
life in
surance.
____
Building Service
Employees.
January 1966.
Retail drug industry
various associations
and employers
(New York, N. Y. ).
Retail, Wholesale
and Department
Store Union,
Local 1199.
December 1965.
Other benefits:
After 3 months'
covered employ
ment.
Length of coverage
under plan
$37. 50 to $ 5 0 ------------------------------------------------------------------$50 to $75 ---------------Less than 1 yea r------- ----------------1 to 2 y e a r s ---------------------------------2 to 3 y e a r s ---------------------------------3 years and over-------------------------$75 and over------------ Less than 1 yea r---------------------------1 to 2 y e a r s -------------- ----------------2 to 3 y e a r s ______________________
3 to 4 y e a r s -------- ---------------------4 to 5 y e a r s ---------------------------------5 to 6 y e a r s ______________________
6 to 7 y e a r s ------------------------ — —
7 years and over--------------------------
Insurance
$500
500
1,000
1,500
2,000
500
1,000
1,500
2, 000
2, 500
3, 000
3,500
4 ,0 0 0
After
age 60.
For 3 months; up to
$2, 000 for additional
9 months.
—
(2)
Average weekly
earnings
$37. 50 to
$ 4 9 .9 9 ................
$50 and over
less than 1
year's plan
coverage--------1 to 2 years*
plan coverage-----------------2 to 3 yea rs'
plan cover
age—
3 years' plan
coverage and
o v e r ---------------
( )
(2)
No accident and sickness insurance benefit provided under plan; employees covered by the New York State temporary disability law.
Not available if employee earns less than $37. 50 per week.
If disability occurs within first 30 days' employment, benefit is 50 percent of average weekly pay (maximum— $55) for 20 weeks.
See appendix A.
$500
$250
500
250
1, 000
500
1,500
750
2, 000
1, 000
(2)
(2)
135
Under Collective Bargaining, Early 1966
H O S P I T A L IZ A T I O N
A C C ID E N T A N D S IC K N E S S
Benefits begin
Duration of benefits
Cases
covered
pational.
Amount
Except
Period
One-half average weekly wage—
minimum— $20 per week,
maximum— $55 per week.
26
weeks
per d is
ability.
After
age—
Benefits
limited to—
_
_
Accident
Sickness
Duration
Daily
amount
Days
_
_
_
(')
(l )
(M
n
(*)
21 days.
180
50 per
cent of
cost of
sem i
private
room.
_
(*)
26
weeks
per dis
ability.3
_
_
Maximum
room and
board
allowance
Basis of
payment per—
Extra allowance
or service
Year
Disa
bility
Emergency
out-patient
care benefit
or service
Employee and dependents
Sem iprivate
room.
_
Nonoccu- Two-thirds of average weekly p a y pational. maximum— $90 per week. 3
Extended coverage
1st day. 8th day.
_
(M
Daily
benefit
or
service
Full cost of
specified serv
ices for 1st 21
days; 50 percent
of cost for addi
tional 180 days.
X
$7. 25
X
$7. 25
Employee and dependents
Sem iprivate
room.
21 days.
180
50 per
cent of
cost of
sem i
private
room.
Full cost of
specified serv
ices for 1st 21
days; 50 percent
of cost for addi
tional 180 days.
Employee earning less than $75 per week and dependents
1st day. 8th day.
Semiprivate
room.
21 days.
180
50 per
cent of
cost of
sem i
private
room.
Full cost of
specified serv
ices for 1st 21
days; 50 percent
of cost for addi
tional 180 days.
X
$10
Employee earning $75 per week or more and dependents
Same
as
above.
120 days.
1
Sarne as
ab ove.
Full cost of
specified serv
ices for 1st 120
days; 50 percent
of cost for addi
tional 180 days.
X
Same as
above.
136
Digest o f Selected Health and Insurance Plans
M E D IC A L
S U R G IC A L
C O M P A N Y , U N IO N ,
AND DA TE OF
IN F O R M A T IO N — Continued
Restaurant industry,
various employers
(New York, N. Y. ).
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F I T S
Allowance
Allowances for—
Most
expensive
operation
Tonsillectomy
Appendec
tomy
Covers cases
in —
Home
1
Provided bv the rlealth Insui•ance Plan of G reate r
New York. i
Elsewhere
Hospital
Office
_
Employee only
Benefits begin
Maximum
compensation
Sickness
Accident
Number
of visits
paid for
Employee only
i
1
1
1
Provided by the l lealth Insur ance Plan of G:reater Nevv York. 2
.
Ji
Hotel and Restaurant
Employees, Local 89.
December 1965.
Realty Advisory Board
on Labor Relations,
Inc. (New York, N. Y. ).
Employee and dependents
$250
Building Service
Employees.
Under age 12,
$30; over age
12, $50.
$125
Hospital,
office, home,
elsewhere.
Employee
.$5
$3
$250 per year.
$5
1
1
Home an d office:
3d visit.
3d visit.
HospjLtal:
January 1966.
1st visit. 1st visit.
Dependent spouse only
Same as above.
Retail drug industry
•various associations
and employers,
(New York, N. Y . ).
Employee and dependents 3 4
$300
$75
$150
Hospital,
office, home,
elsewhere.
(3 4
)
Same as above. 1st visit. 1st visit.
Employee and dependents 4 5
$5
per
day.
$4
per
day.
$5 per day.
$5 per
day.
$300 per d is
ability.
2d day.
1st day.
Retail, Wholesale, and
Department Store
Union, Local 1199.
December 1965.
1 Excludes such benefits as X -ra y , anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital. See EXPLANATORY NOTES.
2 See appendix C.
3 Not available if employee earns less than $50 per week.
4 In lieu of cash surgical and medical benefits, employee may obtain surgical and medical benefits by joining the Health Insurance Plan of Greater New York and paying part of the cost.
Number
of days
paid for
137
Under Collective Bargaining, Early 1966— Continued
M A T E R N IT Y B E N E F I T S
Hospitalization
Accident and
sickness
Regular
benefits
for 6
weeks.
Daily
benefit
or service
Duration
Surgical
O T H E R B E N E F IT S 1
(types and amounts)
Schedule
allowance
for normal
delivery
Extra
allowance
or service
Company
Employee
$80 for room, board and
extra services
Employee
Jointly
Employee's dependents
Company
Employee pnly
Jointly
Amount employee contributes
Employee
None (company pays 5 percent of monthly
.payroll).
Provided
Provided by the Health Insurance Plan of Greater New "York.2
by the
Health In
surance
Plan of
Greater
New York.2
Dependents
— --------- t
-----------------r
Same as above.
Employee and dependent
------------- 1
-----------------1
---------------$80 for room, board and
extra services.
Regular
benefits
for 6
weeks.
Employee only
$75
None (company pays full cost).
Optical benefit allowance— full cost of eye examination
and one pair of eyeglasses, every 2 years.
Employee and dependents
None (company pays 3. 5 percent of monthly
payroll). 4
--------------- P
—--------------- 1
-------------------
$ 125 for room, board and
extra se rv ic e s.6
$125
(3 4
Dental care benefit— special rates.
(4 )
(4 )
X -ra y and laboratory benefit for nonhospitalized cases—
$ 100 per year. 5 *7
Eye care benefit— full cost of eye examination and one pair
of glasses, every 2 years. 5
Blood bank services— special rates.
5 Not available to part-tim e employee earning less than $60 per week.
6 Not available if employee earns less than $37. 50 per week.
7 In lieu of cash X -ra y and laboratory benefit, worker may obtain a service X -ra y and laboratory benefit by joining the Health Insurance Plan of Greater New York and paying part of the cost.
138
Digest o f Selected Health and Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N
E L IG IB IL T Y
R E Q U IR E M E N T S
(when new
employees become
e ligible)
Retail trade industry, Accident and
sickness benefit:
various employers
(New York, N. Y. ). Eligibility re
quirements of
Retail Clerks.
N. Y. State tem
porary disability
December 1965.
la w .1
2
A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T
If permanently and totally disabled
Amount
Years of service
Before
age—
Insurance
1
--------------------------------------------------------------------------2
--------------------------------------------------------------------------3 ------------------------------------------------------------------- ------------------------
Amount
Less than 3 years' service, irrespective of earnings---3 years' service or more and annual earnings of—
Under $ 3 , 380--------------------------------------------------------------------$ 3 , 380 to $ 3 , 900--------------------------------------------------------------$ 3, 900 and over------------------------------------------------------------------
$ 2 ,0 0 0
Maintained
X
$500
1,000
1,500
Service and earnings
65
Other benefits:
After 30 days 1
covered employ
ment and 30 days'
union m em ber
ship.
Laundry industry,
various employers
(New York, N. Y. ).
Clothing Workers.
December 1965.
Accident and
sickness benefit:
After 4 weeks'
covered employ
ment.
Other benefits:
After 6 months'
covered employ
ment.
1 See appendix A.
2 Employee's weekly earnings
Daily benefit
Less than $ 6 5 ------------------------------------------$24
$65 to $75------------------------------------------------26
$75 and o v e r -------------------------------------------28
2,000
3,000
4 ,0 0 0
At any
age.
Amount
Cases
covered
Insurance is —
X
Paid in—
Graduated
according to—
Nonoccu- Service.
pational;
occupa
tional.
Death or
multidis
memberment
Same as life
insurance.
Single dis
memberment
One-half
of life
insurance,
139
Under Collective Bargaining, Early 1966
A C C ID E N T A N D S IC K N E S S
H O S P I T A L IZ A T I O N
Duration of benefits
Cases
covered
Amount
Except
After
age—
Nonoccu- One-half average weekly wage—
pational. minimum— $20 per week,
maximum— $45 per week.
20
weeks
per dis
ability.
Nonoccu- 50 percent of weekly wage—
pational. minimum— $ 10 per week,
maximum— $55 per week.
A cci
dent:
13
weeks
per
year.
Sick
ness:
13
weeks
per
year.
Room and board allowance.
Extra service allowance.
Benefits begin
20 weeks
during
any 12
consecu
tive
months.
Duration
Benefits
limited t o -
'60
Daily
benefit
Extended coverage
$20
14th
day
retro
active
to 8th.
Basis of
payment per—
Extra allowance
or service
Year
Disa
bility
Emergency
out-patient
care benefit
or service
Employee and dependents
8th day, 8th day.
7th day
retro
active
to 1st.
Days
Daily
amount
Maximum
room and
board
allowance
31 days,
$620
$200
x
Employee and dependents
Varies
accord
ing to
employ
ee 's
earn
ings.
(2)
Acci
dent:
31 days.
Sickness:
31 days.
Accident:
$ 86 8.
Sickness:
$ 868 .
$ 250
(3 )
(4)
$200
140
Digest o f Selected Health and Insurance Plans
M E D IC A L
S U R G IC A L
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N —Continued
Retail trade industry,
various employers
(New York, N. Y. ).
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F IT S
Allowance
Allowances for—
Most
expensive
operation
Tonsillectomy
Appendec
tomy
Employee and dependents
$400
$60
$200
Covers cases
in—
Hospital,
office, home,
elsewhere.
Home
Office
Hospital
Benefits begin
Elsewhere
Maximum
compensation
Sickness
NHh r
iima
iiU I C
Ul
Number
of visits
paid for
of days
paid for
Accident
Employe^ and dependents
Retail Clerks.
December 1965.
Laundry industry,
various employers
(New York, N. Y. ).
Employee and dependents
$300
$45
$ 150
Hospital,
office, home,
elsewhere.
Employee and dependents
1
1
1
1
l
1
l
I
I
Provid ed by tlle Amalgamated Lauiidry Worker s Health Center # 2
l
1
l
1
1
Clothing Workers.
December 1965.
1 Excludes such benefits as X -ra y , anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital. See EXPLANATORY NOTES.
2 Employees and nonworking wives who are ambulatory patients are provided free diagnostic, therapeutic, and preventive medical care. Prescriptions for drugs are filled at cost at the Health
Center's pharmacy.
141
Under Collective Bargaining, Early 1966— Continued
M A T E R N IT Y B E N E F I T S
Hospitalization
Accident and
sickness
Daily
benefit
or service
Duration
Surgical
Extra
allowance
or service
O T H E R B E N E F IT S
(types and amounts)
Schedule
allowance
for normal
delivery
Employee and dependents
$ 140 for room, board and
extra services.
$75
Employee
Company
Jointly
Employee's dependents
Company
Jointly
Amount employee contributes
Employee
None (company pays full cost).
Poliomyelitis and Asian Flu vaccinations— full cost.
Eye glass allowance (for examination and glasses)— $ 5 .7 5 .
Employee only
Physical evaluation and detection examination (provided
annually)— full cost.
Employee and dependents
$ 1003
Payable irrespective of actual charge.
Provided by the Amalgamated Laundry Workers Health
Center. 2
None (company pays 3. 85 percent of pavroll).
Digest o f Selected Health and Insurance Plans
L I F E IN S U R A N C E
C O M P A N Y , U N IO N ,
AND DATE OF
I N F O R M A T IO N
The Prudential In
surance Company
of America.
E L IG IB IL T Y
R E Q U IR E M E N T S
(when new
employees become
e ligible)
Immediately or
1st of following
month.
January 1966.
Maritime industry,
various employers,
Atlantic and Gulf
Coasts.
Seafarers.
Amount
Before
age—
1 day's covered
employment in
past 6 months,
and 90 days in
last calendar
year.
Annual earnings 1
4
3
2
Insurance
Less than $ 2, 500------ ---------------------------------- -------------------$ 2 , 500. 01 to $ 3 , 500 ------------------------------------ -------------------$ 3 , 500. 01 to $ 4 , 500 ________________________ ------------------$ 4 , 500. 01 to $ 5, 500 --------------------------------------------------------$ 5 , 500. 01 to $ 6, 500 .............. ............................ -------------------$ 6 , 500. 01 to $ 7 , 500 ________________________ -------------------$ 7 , 500. 01 to $ 10, 000_______________________ --------------------$ 1 0 ,0 0 0 . 01 to $ 1 2 ,5 0 0 --------------------------------- -------------------$12, 500. 01 to $ 1 5 ,0 0 0 ______________________ -------------------$ 1 5 ,0 0 0 . 01 to $ 2 3 ,3 3 4 ---------------------------------- -------------------$ 23, 334. 01 and over--------------------- ---------------- --------------------
Insurance Workers.
A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T
If permanently and totally disabled
$ 5 ,0 0 0
7,000
9, 000
11,000
13,000
15,000
20,000
25,000
30,000
35,000
1V2
times
annu&l
salary;
m ax
imum
$ 4 0 ,0 0 0 .
65
Amount
Cases
covered
Insurance is —
Maintained
Until age 65, then
reduced 20 percent '
and by like amount
annually thereafter
until amount in effect
equals $ 1 ,0 0 0 .
Paid in—
Graduated
according to—
Death or
m ultidis
memberment
Single dis
memberment
Nonoccu- Earnings.
pational;
occupa
tional.
Same as life
insurance.
One-half
of life in
surance.
Nonoccupational;
occupa
tional.
Same as life
insurance.
One-half
of life insurance.
$ 4 , 000
January 1966.
Construction industry, After 6 months'
various employers6 covered employ
(New York, N. Y . ).
ment.
$ 3 , 000
60
X
Carpenters.7
March 1966.
1
2
3
4
Earnings classes are inclusive.
No accident and sickness insurance benefit provided by plan; employees covered by paid sick-leave plan.
See supplemental major medical expense benefit in "Other Benefits" column for maximum amount payable.
Seamen receive free medical and surgical care in Marine hospitals and out-patient clinics, under the United States Maritime law.
143
Under Collective Bargaining, Early 1966
H O S P IT A L IZ A T IO N
A C C ID E N T AND SICKNESS
Benefits begin
Duration of benefits
Cases
covered
Amount
Period
Except
After
age—
Benefits
limited to—
Accident
Sickness
__ _
_
_
_
_
_
(2 )
(2 )
(2 )
(2 )
(2 )
(2 )
(2 )
Nonoccu- 1st 39 weeks, $56 per week; thereafter, if confined to
oational. hospital, $3 per day.
Nonoccu- 50 percent of weekly wage.
pational;
Maximum— $65 per week.
occupa
tional.
If not
confined
to hos
pital:
39
weeks
per
year. If
confined
to hos
pital:
Unlim
ited.
26
weeks.
_
_
_
_
1st day. After 1
week
retro
active
to 5th
day.
Daily
benefit
or
service
Extended coverage
Duration
Days
Daily
amount
Maximum
room and
board
allowance
Basis of
payment per—
Extra allowance
or service
Emergency
out-patient
care benefit
or service
Employee and dependents
l
Ii
i
i
1
i
l
1
i
i1
Full cos1t of 1st $ 5 D of €
1O
expenses and 80 per<cent of expenses in exce ss of $500. 3
Dependents only4
$ 15s
Unlim
ited.
$200 during 1st
31 days; there
after, $200.
X
Employee and dependents
1st day. 8th day.
Semi
private
room.
70 days.
Full cost of
specified serv
ices.
5 P a y a b le i r r e s p e c t i v e o f a c t u a l c h a r g e .
6 P la n n o t i n c lu d e d in p r e v i o u s D ig e s t .
7 B e n e fit s d e s c r i b e d a r e t h o s e a v a ila b le to w o r k e r s e a r n in g $ 1 2 5 w ith in a m o n th o r $ 1 ,5 0 0 d u rin g the 1 2 -m o n th p e r i o d im m e d ia t e ly p r i o r to in c u r r in g a d is a b ilit y .
to w o r k e r s e a r n in g l e s s .
Year
Disa
bility
Required
services
provided.
R e d u c e d b e n e fits a r e p a y a b le
144
Digest of Selected Health and Insurance Plans
M E D IC A L
S U R G IC A L
C O M P A N Y , U N IO N ,
AND DATE OF
IN F O R M A T IO N — Continued
The Prudential Insur
ance Company of
America.
IN C O M E L IM IT S
F O R S E R V IC E
S U R G IC A L A N D
M E D IC A L B E N E F I T S
Allowance
Allowances for—
Most
expensive
operation
Appendec
tomy
Tonsillectomy
Employee and dependents
$600
Insurance Workers.
Under age 18,
$60; over age
18, $80.
$ 160
Covers cases
in—
Home
Benefits begin
Elsewhere
Hospital
Office
Maximum
compensation
Sickness
Accident
Number
of days
paid for
Number
of visits
paid for
Employee and dependents
Hospital,
office, home,
elsewhere.
January 1966.
Maritime industry,
various employers,
Atlantic and Gulf
Coasts.
Dependents only 5
$300
$50
$ 150
Dependents:
Hospital,
office, home,
elsewhere.
Seafarers.
1
|
|
Employee
|
|
|
----------------- -
i
-------------
Free medical examinations, including diagnostic and laboratory services, provided at the SIU
Health Center. 5
i
i
i
i
i
i
i
i
Dependents
January 1966.
$4 per day.
$ 124 per d is
ability.
1st day.
1st day.
(6)
Plus
examinations, includiL g diagnostiL and laborator-y services , provided at the SI U
c
Free n ledical <
r
n
Health Center.
Construction industry,
various employers8
(New York, N. Y. ).
Carpenters'. 9
Employee and dependents
$400
$60
$200
Hospital,
office, home,
elsewhere.
Employee and dependents
$6
$5
$6
$300 per d is
ability during
any one 6 month period.
3d visit.
1st visit.
March 1966.
1
2
3
4
5
Excludes such benefits as X -ra y , anesthesia, and electrocardiogram allowances if they are provided only for services performed in a hospital.
No accident and sickness insurance benefit provided by plan; employees covered by paid sick-leave plan.
Payable to newly insured employees after 2 years of coverage.
The "deductible" varies, according to earnings, from $50 to $250.
Seamen receive free medical and surgical care in Marine hospitals and out-patient clinics., under the United States Maritime law.
See EXPLANATORY NOTES.
1 per
day.
145
Under Collective Bargaining, Early 1966— Continued
6 Plus blood transfusion allowance for 6 transfusions, $37. 50 for each transfusion.
7 Payable irrespective of actual charges. If a multiple birth occurs, entire maternity benefit paid for each child.
8 Plan not included in previous Digest.
9 Benefits described are those available to workers earning $125 within a month or $1,5 0 0 during the 12-month period immediately prior to incurring a disability.
to workers earning less.
Reduced benefits are payable
Appendix A
T e m p o r a r y D is a b ilit y In su ra n ce
B e n e fit f o r m u la .
W e e k ly b e n e fit s r a n g e f r o m $ 2 5 to $ 8 0 and
a r e d e te r m in e d b y a sc h e d u le o f h ig h -q u a r t e r e a r n in g s .
The m a x i
m u m d u ra tion is 26 w e e k s p e r d is a b ilit y .
B e n e fit p a y m e n ts s t a r t
a fte r the sev en th da y o f an u n in te r r u p te d p e r io d o f d is a b ilit y .
U n
in te r r u p t e d p e r io d s a re c o n s e c u t iv e p e r io d s o f d is a b ilit y o w in g to the
s a m e o r r e la t e d c a u s e s and n ot s e p a r a t e d b y m o r e than 14 d a y s .
T h is w a itin g p e r io d o r any u n e x p ir e d p o r t io n o f it is w a iv e d u pon a d
m i s s i o n to a h o s p ita l fo r a fu ll d a y o f c o n fin e m e n t.
F or each day of
d is a b ilit y in e x c e s s o f 7, b e n e fit s a r e p a id at a r a te o f o n e -s e v e n t h o f
the w e e k ly am ount.
In 1966, fo u r S tates h ad sta tu tes p r o v id in g p r o t e c t io n fr o m lo s s
o f w a g e s b e c a u s e o f t e m p o r a r y d is a b ilit y a r is in g ou t o f n o n o c c u p a tio n a l
cau ses.
T h e f i r s t o f th e s e la w s w a s e n a c te d b y R h ode Is la n d in
M a y 1942.
B e n e fit s b e c a m e p a y a b le on A p r il 1, 1943.
C a lif o r n i a 's
p r o g r a m w a s a d op ted in M a y 1946, N ew J e r s e y 's in June 1948, and
N ew Y o r k 's in A p r il 1949.
The R a ilr o a d U n e m p lo y m e n t In s u ra n c e A c t
(Ju ly 1946) p r o v id e s t e m p o r a r y d is a b ilit y b e n e fit s to r a ilr o a d w o r k e r s .
In C a lifo r n ia , N ew J e r s e y , and R h od e Is la n d and u n d er the r a i l
r o a d a c t, the t e m p o r a r y d is a b ilit y in s u r a n c e p r o g r a m s a re c o o r d in a t e d
w ith u n e m p lo y m e n t in s u r a n c e and a r e a d m in is t e r e d b y the s a m e a g e n cy .
The r a ilr o a d p r o g r a m is a d m in is t e r e d b y the R a ilr o a d R e t ir e m e n t
B o a r d ; the o th e r th r e e b y State e m p lo y m e n t s e c u r it y a g e n c ie s .
The
N ew Y o r k t e m p o r a r y d is a b ilit y statu te is a d m in is t e r e d b y the State
W o r k m e n 's C o m p e n s a t io n B o a r d .
E x c e p t u n d er the r a ilr o a d p r o g r a m ,
c o v e r a g e d if f e r s s o m e w h a t fr o m that u n d er u n e m p lo y m e n t in s u r a n c e .
B r i e f d e s c r ip t io n s o f the b e n e fit s p r o v id e d e m p lo y e d w o r k e r s b y
th e se t e m p o r a r y d is a b ilit y in s u r a n c e sta tu tes a r e p r e s e n t e d b e lo w .
M o re d e t a ile d in fo r m a t io n r e la t in g to t e m p o r a r y d is a b ilit y in s u r a n c e
sta tu te s, in clu d in g p r o v i s io n s r e la t in g s o l e l y to j o b l e s s w o r k e r s that
a re n ot s u m m a r iz e d b e lo w and the e x p e r ie n c e o f the o p e r a t in g p r o
g r a m s , a r e c o n ta in e d in p u b lic a tio n s o f the U. S. D e p a r tm e n t o f L a b o r 's
B u r e a u o f E m p lo y m e n t S e c u r ity .
C a lifo r n ia
T y p e o f p la n .
C a lifo r n ia o p e r a t e s a State fu nd w ith p r o v i s io n s
f o r su b stitu tin g p r iv a te t e m p o r a r y d is a b ilit y p la n s w h en b oth e m p lo y e r
and a m a jo r it y o f e m p lo y e e s a g r e e .
A n in d iv id u a l w o r k e r , h o w e v e r ,
m a y r e j e c t the p r iv a te p la n f o r c o v e r a g e b y the State fu nd.
The
p r iv a te p la n m u s t su p p ly b e n e fit s e q u a l in a ll r e s p e c t s , and s u p e r io r
in at le a s t o n e , to the State fund.
F in a n c in g .
One p e r c e n t o f the f i r s t $ 7 , 4 0 0 o f annual w a g e s is
p a id b y e m p lo y e e s c o v e r e d b y the State D is a b ilit y F u n d; no c o n t r ib u t io n
is m a d e b y e m p lo y e r s .
In the c a s e o f p r iv a te p la n s , no e m p lo y e e
m a y b e c h a r g e d m o r e than 1 p e r c e n t o f the f i r s t $ 7 , 4 0 0 o f annual
w a g e s ; the e m p lo y e r p a y s an y r e m a in in g c o s t .
T o q u a lify f o r b e n e fit s , a w o r k e r m u s t e a r n a m in im u m o f $ 300
d u rin g h is b a s e p e r io d .
The b a s e p e r i o d is d e fin e d , i f no u n e m p lo y
m e n t in s u r a n ce b e n e fit y e a r has b e e n e s t a b lis h e d , as the f i r s t 4 o f the
la s t 5 c a le n d a r q u a r te r s p r e c e d in g d is a b ilit y b e g in n in g in the s e c o n d
o r th ir d m on th o f a q u a r te r , o r the f i r s t 4 o f the la s t 6 c a le n d a r
q u a r te r s p r e c e d in g d is a b ilit y b e g in n in g in the f i r s t m o n th o f a q u a r te r .
If the w o r k e r has an u n e x p ir e d u n e m p lo y m e n t in s u r a n c e b e n e fit y e a r ,
the b a s e p e r io d is the u n e m p lo y m e n t in s u r a n c e b a s e p e r io d .
If a w o r k e r is r e c e iv in g w o r k m e n 's c o m p e n s a tio n w h ic h is le s s
than the am oun t he w ou ld r e c e iv e f o r the s a m e d is a b ilit y u n d e r the
t e m p o r a r y d is a b ilit y sta tu te, he is e n title d to the d if f e r e n c e .
W hen
the w o r k -c o n n e c t e d in ju r y is o th e r than t e m p o r a r y , fu ll n o n o c c u p a tionail d is a b ilit y b e n e fits a r e p r o v id e d .
A w o r k e r r e c e iv in g p a r t ia l
w a g e s w h ile not w o rk in g is e lig ib le f o r b e n e fit s i f the c o m b in e d w a g e s
and b e n e fit s do not e x c e e d w a g e s p r i o r to th e d is a b ilit y .
No p a y m en ts a r e p r o v id e d in c a s e s o f ill n e s s o r in ju r y c a u s e d
b y o r a r is in g ou t o f p r e g n a n c y up to the t e r m in a tio n o f the p r e g n a n c y
and 28 d a ys t h e r e a fte r .
N ew J e r s e y
T y p e o f p la n .
A State fund is o p e r a t e d b y N ew J e r s e y , bu t p r o
v is io n is m a de f o r su b s titu tio n o f p r iv a t e t e m p o r a r y d is a b ilit y p la n s
w h en the b e n e fits p r o v id e d a re e q u a l to o r b e t t e r than th o s e p r o v id e d
b y the State fund and w h en a m a jo r it y o f the w o r k e r s in an e s t a b lis h
m e n t e le c t c o v e r a g e b y the p r iv a te p la n ; o r , w h en an e m p lo y e r is
w illin g to a s su m e the e n tir e c o s t o f b e n e fit s .
146
147
F in a n c in g .
W o r k e r s c o v e r e d b y the State p la n p a y 0. 5 p e r c e n t
o f the f i r s t $ 3 , 000 o f annual e a r n in g s ; e m p lo y e r s n o r m a lly p a y a
b a s i c 0 .2 5 p e r c e n t on the f i r s t $ 3 ,0 0 0 .
The e m p lo y e r 's c o n tr ib u tio n
m a y v a r y b e t w e e n the lim it s o f 0.75 p e r c e n t and 0.1 p e r c e n t , d ep en d in g
on the f i r m 's e x p e r i e n c e r a tin g .
W o r k e r s c o v e r e d b y p r iv a te pla n s
c a n n o t b e a s s e s s e d m o r e than 0.5 p e r c e n t o f the f i r s t $ 3, 000 o f annual
e a r n in g s . E m p lo y e r s p a y an y r e m a in in g c o s t .
B e n e fit f o r m u la .
T o q u a lify fo r b e n e fit s , 17 b a s e w e e k s o f e m
p lo y m e n t a r e r e q u ir e d in the 52 w e e k s p r e c e d in g the w e e k in w h ich the
d is a b ilit y b e g in s .
A b a s e w e e k is a w e e k in w h ich w a g e s fr o m on e
e m p lo y e r a m ou n t to $ 15 o r m o r e .
W e e k ly b e n e fits a r e d e t e r m in e d
f r o m a s c h e d u le o f a v e r a g e w e e k ly w a g e s , w ith a m in im u m o f $ 1 0
and a m a x im u m o f $ 5 0 .
The a v e r a g e w e e k ly w a g e f o r e m p lo y e d
w o r k e r s is d e t e r m in e d b y ad din g a ll o f the w a g es fr o m on e e m p lo y e r
d u rin g the b a s e w e e k s in the 8 w e e k s p r e c e d in g d is a b ilit y and d iv id in g
b y the n u m b e r o f s u c h w e e k s .
If th is is le s s than the a v e r a g e w ag e
o b ta in e d b y ad d in g a ll e a r n in g s fr o m a ll e m p lo y e r s d u rin g the 8 w e e k s
p r e c e d in g d is a b ilit y , th en a ll e a r n in g s a r e u sed .
B e n e fit s a r e p a y a b le up to a m a x im u m o f fr o m 12 to 26 w e e k s
f o r e m p lo y e d w o r k e r s d u rin g a 12-m o n th p e r io d .
M a x im u m p a y m e n ts
a r e c o m p u te d as the l e s s e r o f 26 tim e s the w e e k ly b e n e fit and t h r e e fo u r th s o f the w a g e s in the b a s e w e e k s .
The b a s e p e r io d is 52 w e e k s
p r e c e d i n g the w e e k in w h ic h the d is a b ilit y b egan .
P a y m e n ts c o m m e n c e a fte r a w aitin g p e r io d o f 7 days at the
b e g in n in g o f an u n in te r r u p te d p e r io d o f d is a b ilit y .
A n u n in te rru p te d
p e r io d o f d is a b ilit y is d e fin e d as c o n s e c u tiv e p e r io d s o f d is a b ilit y
w h ic h a r e due to th e s a m e o r r e la te d c a u s e s and a r e s e p a r a te d b y not
m o r e than 14 d a y s , i f the in d iv id u a l e a r n e d w a g es fr o m h is la s t e m
p lo y e r d u rin g the 1 4 -d a y p e r io d . . F o r e a c h day o f d is a b ilit y in e x c e s s
o f 7, b e n e fit s a r e p a id at a ra te o f o n e -s e v e n t h o f the w e e k ly am oun t.
P a y m e n ts f o r p a r t w e e k s a re rou n d ed to the n e x t h ig h e s t d o lla r .
A w o r k e r is e lig ib le fo r b e n e fits e v e n though r e c e iv in g w a g e s
w h ile n ot w o r k in g , p r o v id e d the c o m b in e d sum d o e s n ot e x c e e d h is
w a g e s p r i o r to d is a b ilit y .
E x c e p t f o r the 4 w e e k s p r io r to c h ild b ir th and the 4 w e e k s a ft e r ,
n o p a y m e n ts a r e m a d e f o r d is a b ilit y w h ich is due to p r e g n a n c y , c h il d
b ir t h , m i s c a r r i a g e , o r a b o r t io n .
S e l f-in fl ic t e d in ju r ie s and in ju r ie s
s u ffe r e d w h ile p e r p e t r a t in g h igh m is d e m e a n o r s a r e a ls o e x c lu d e d .
N ew Y o r k
B e n e fit f o r m u la .
W e e k ly b e n e fit s a r e c o m p u te d as o n e -h a lf o f
the a v e r a g e w e e k ly w ag e in the la s t 8 w § e k s o f c o v e r e d e m p lo y m e n t,
s u b je c t to a m a x im u m o f $ 5 5 and a m in im u m o f e it h e r $ 2 0 o r the
a v e r a g e w e e k ly w a g e , w h ic h e v e r is l e s s .
T he d u ra tio n fo r b e n e fits
ca n n ot e x c e e d 26 w e e k s in any 52 c o n s e c u t iv e w e e k s .
A 7—
day w aitin g
p e r io d is r e q u ir e d at the b e g in n in g o f e a c h u n in te r r u p te d p e r io d o f
d is a b ilit y .
A n u n in te r r u p te d p e r io d in c lu d e s a ll p e r io d s o f d is a b ilit y
c a u s e d b y the sa m e o r r e la t e d in ju r y o r s i c k n e s s , i f n ot s e p a r a te d
b y m o r e than 3. m o n th s.
T o q u a lify f o r b e n e fit s , e m p lo y e d w o r k e r s m u st h a v e had 4 c o n
s e c u tiv e w e e k s o r m o r e o f c o v e r e d e m p lo y m e n t w ith on e e m p lo y e r
(o r 25 d a y s ' r e g u la r p a r t -t im e e m p lo y m e n t) p r i o r to c o m m e n c e m e n t
o f the d is a b ilit y .
B e n e fits m u s t b e at le a s t e q u iv a le n t to sta tu to r y b e n e fit s .
B ene
fit s r e la t e d to d is a b ilit y (h o s p it a liz a t io n , s u r g ic a l , e t c . ) o f the in d iv i
du al m a y b e su b s titu te d f o r c a s h w a g e l o s s b e n e fit s , a c c o r d in g to a
ta b le o f e q u iv a le n t s ; c a s h b e n e fit s m u s t, h o w e v e r , be at le a s t 60 p e r
c e n t o f th o se in the s ta tu to r y s c h e d u le .
P r iv a t e p la n s e x is tin g w hen
the d is a b ilit y la w w a s e n a c te d m a y con tin u e d u rin g the p e r io d o f the
c o n t r a c t and m a y b e e x te n d e d b y c o l l e c t i v e b a r g a in in g
agreem en t
w ith ou t m e e tin g sta tu to ry c o n d itio n s .
In N ew Y o r k , b e n e fit s a r e n ot p a y a b le f o r any d a y f o r w h ich
the w o r k e r is e n title d to r e m u n e r a t io n e q u a l to the b e n e fit s .
T h is
d o e s n ot a p p ly to v o lu n ta r y a id fr o m the e m p lo y e r .
W o r k e r s a re
n ot e lig ib le f o r b e n e fit s f o r an y p e r io d in w h ich w o r k m e n 's c o m
p e n s a tio n is p a y a b le , o th e r than p e r m a n e n t p a r t ia l b e n e fits fo r a
p r i o r d is a b ilit y .
B e n e fits a re n ot p a y a b le f o r d is a b ilit y c o n d itio n s a r is in g out
o f p r e g n a n c y , e x c e p t a fte r a r e tu r n to c o v e r e d e m p lo y m e n t f o r at
le a s t 2 c o n s e c u t iv e w e e k s fo llo w in g te r m in a tio n o f p r e g n a n c y .
S e lfin flic t e d in ju r y o r ill n e s s , in ju r y su s ta in e d in the p e r p e tr a t io n o f an
ill e g a l a c t, o r d is a b ilit y w h ich is due to any a c t o f w a r o c c u r r in g
a fte r June 30, 1950, a r e a ls o e x c lu d e d .
R h od e Is la n d
T y p e o f p la n .
In N ew Y o r k , e m p lo y e r s have the a lte r n a tiv e s o f
p r o v id in g c o v e r a g e u n d e r an in s u r a n ce co m p a n y p o li c y , o r a State
D is a b ilit y F u n d p o l i c y , o r th e y m a y ob ta in a p p ro v a l f o r s e l f-in s u r a n c e .
E a c h e s t a b lis h m e n t c a r r i e s its ow n r is k s w h eth er u n d er the State fund
o r a p r iv a te p la n .
T y p e o f p la n .
R h ode Is la n d h as an e x c lu s iv e State fund w ith
n o p r o v i s io n s f o r the su b s titu tio n o f p r iv a te t e m p o r a r y d is a b ilit y p la n s .
F in a n c in g .
U n d er the New Y o r k la w , e m p lo y e e s p a y 0. 5 p e r
c e n t o f the f i r s t $ 6 0 o f w e e k ly w a g e s , n ot to e x c e e d 30 ce n ts p e r
w eek.
E m p lo y e r s p a y an y r e m a in in g c o s t .
F in a n c in g .
A n e m p lo y e e c o n tr ib u tio n o f 1 p e r c e n t o f the f i r s t
$ 4 ,8 0 0 o f an nual jv a g es is r e q u ir e d .
E m p lo y e r s do n o t co n trib u te
to the fund.
148
B e n e fit f o r m u la .
The b e n e fit fo r m u la in R h od e Is la n d is the
sa m e as f o r u n e m p lo y m e n t in s u r a n c e .
T he w e e k ly b e n e fit is 55 p e r
c e n t o f the in d iv id u a ls a v e r a g e w e e k ly w a g e , up to 50 p e r c e n t o f the
S ta te 's a v e r a g e w e e k ly w a g e in the b a s e p e r io d , r o u n d e d to the n e a r e s t
d o lla r .
A b a s e p e r io d c o n s is t s o f 52 w e e k s en d in g 2 w e e k s p r e c e d in g
the b e n e fit y e a r .
A b e n e fit y e a r b e g in s w ith a v a lid c la im f o r d i s
a b ility b e n e fit s .
Q u a lify in g w a g e s d u rin g the b a s e p e r io d c o n s is t o f
20 w e e k s o f $ 2 0 o r m o r e in c o v e r e d e a r n in g s o r $ 1 ,2 0 0 in the
b a s e p e r io d .
T h e w e e k ly b e n e fit r a n g e s fr o m $ 1 2 to $ 4 7 , p lu s an a d d itio n a l
$ 3 f o r e a c h d ep en d en t c h ild (m a x im u m , $ 1 2 ).
T he p o t e n t ia l d u ra tio n
is t h r e e -fi ft h s o f tota l*w eek s o f b a s e p e r io d e m p lo y m e n t , bu t no m o r e
than 26 w e e k s .
T h e r e is a w a itin g p e r io d o f 7 c o n s e c u t iv e d a y s o f d is a b ilit y
to q u a lify f o r b e n e fit s .
F o llo w in g the w a itin g p e r io d o f 2 c o m p e n s a b le
w e e k s in w h ich b e n e fit s w e r e p a id , b e n e fit s a r e p a id f o r p a r t o f a
w e e k 's d is a b ilit y , at a r a te o f o n e -fift h o f th e w e e k ly am ou n t f o r
e a c h w o r k d a y up to f o u r - f if t h s o f the w e e k ly b e n e fit s , r o u n d e d to the
n ext h ig h e s t d o lla r .
A w o r k e r m a y r e c e iv e c o m b in e d w o r k m e n 's c o m p e n s a tio n and
d is a b ilit y b e n e fit s up to 85 p e r c e n t o f^ h is a v e r a g e w e e k ly w ag e on
h is la s t jo b , p r o v id e d c o m b in e d p a y m e n ts do n ot e x c e e d $ 6 2 .
He
is e lig ib le e v e n th ou gh r e c e iv in g r e g u la r w a g e s o r a p a r t t h e r e o f
w h ile n ot w o r k in g .
B e n e fits f o r p r e g n a n c y a re lim it e d to 14 c o n s e c u t iv e w e e k s
b e g in n in g 6 w e e k s p r i o r to e x p e c t e d c h ild b ir th , o r the w e e k o f c h il d
b ir t h i f it o c c u r s m o r e than 6 w e e k s p r i o r to the e x p e c t e d da te,
e x c e p t f o r u n u su al c o m p lic a t io n s .
R a ilr o a d s
T y p e o f p la n .
T e m p o r a r y d is a b ilit y b e n e fit s a r e p r o v id e d u n d er
the R a ilr o a d U n e m p lo y m e n t In s u r a n c e A c t to q u a lifie d r a ilr o a d w o r k e r s
u n der a u n ifo r m n a tion w id e s y s t e m .
P a y m e n ts a r e m a d e fr o m a
s p e c ia l G o v e r n m e n t fund o p e r a t e d e x c l u s i v e l y to p r o v id e s i c k n e s s as
w e ll as u n e m p lo y m e n t b e n e fits f o r th e s e w o r k e r s .
T h e r e is no p r o
v is io n f o r the su b stitu tion o f p r iv a t e p la n s .
F in a n c in g .
The e m p lo y e r 's c o n t r ib u t io n r a te v a r ie s a c c o r d
in g to the b a la n ce in the fund, r a n g in g f r o m 1. 5 p e r c e n t to 4 p e r
c e n t o f w a g e s up to $ 4 0 0 a m on th .
T h is c o n t r ib u t io n is f o r b o th
d is a b ilit y and u n e m p lo y m e n t b e n e fit s .
W o r k e r s do n ot c o n tr ib u te
to the fu nd.
B e n e fit fo r m u la .
B e n e fit p a y m e n ts a r e b a s e d on annual e a r n
in g s in a c c o r d a n c e w ith a s c h e d u le s e t f o r t h in the a c t.
T h e d a ily
b e n e fit am ount ra n g e s fr o m $ 4 . 5 0 to $ 1 0 . 2 0 .
Q u a lify in g w a g e s
d u rin g the b a s e p e r io d m u st e q u a l $ 7 5 0 .
T h e m a x im u m d u r a tio n o f
b e n e fit s is 26 w e e k s , p r o v id e d the b e n e fit s do n o t e x c e e d the b a s e
p e r io d w a g e s .
F o r the f i r s t 1 4 -d a y p e r io d o f d is a b ilit y in a
fits a r e p a id fo r da ys o f d is a b ilit y in e x c e s s o f
1 4 -d a y p e r io d s o f d is a b ilit y in the s a m e b e n e fit
n e s s in e x c e s s o f 4 a re c o m p e n s a b le , e x c e p t
b e n e fit y e a r , b e n e
7.
F o r su b s e q u e n t
y e a r, days o f s ic k
in p r e g n a n c y c a s e s .
A w o r k e r w ho r e c e iv e s w a g e s th ou gh n ot w o r k in g is n o t e lig ib le
f o r b e n e fit s .
In c a s e s w h e r e a w o r k e r is r e c e iv in g w o r k m e n 's c o m
p e n s a tio n w h ich is l e s s than the a m ou n t he w o u ld r e c e i v e u n d er the
t e m p o r a r y d is a b ilit y statu te, he is e n tit le d to the d if f e r e n c e .
In p r e g n a n c y c a s e s , b e n e fit s a r e p a id f o r e a c h d a y in the m a t e r
n ity p e r io d c o m m e n c in g 57 da ys p r i o r to the e x p e c t e d date o f c h i l d
b ir t h , and en din g 115 days la te r (o r 31 d a y s a ft e r the c h ild is b o r n ,
w h ic h e v e r is la t e r ), but not f o r m o r e than 84 d a y s b e f o r e c h ild b ir th .
E x c e p t du rin g the f i r s t 14 days in the m a t e r n it y p e r io d and the f i r s t
14 da ys a fte r c h ild b ir th , w hen the b e n e fit s a r e c o m p u te d at on e and
o n e -h a lf tim e s the r e g u la r r a te , the b e n e fit s a r e the s a m e as th o s e
p a y a b le in n o n m a te rn ity c a s e s .
Appendix B
G rou p H ealth I n s u r a n c e ,
S p e c ia lis t s r e c e i v e an a llo w a n c e o f up to $ 2 5 f o r one b e d sid e
c o n s u lta tio n in e a c h s p e c ia lt y fie ld in e a ch p e r io d o f the h o s p ita liz a tio n
and up to $ 15 fo r on e c o n s u lta tio n in e a c h il l n e s s , if r e n d e r e d o u t
sid e the h o s p it a l.
T h e p a tien t p a y s the d if f e r e n c e , i f any, b etw een
the s p e c i a l i s t 's c h a r g e and the fe e s c h e d u le a llo w a n c e .
G r o u p H ea lth I n s u r a n c e , I n c ., is a n o n p r o fit m e d ic a l and s u r g ic a l
in s u r a n c e o r g a n iz a tio n in the N ew Y o r k C ity a r e a .
O v e r 1 ,0 0 0 ,0 0 0
p e r s o n s liv in g in N ew Y o r k and v ic in it y a r e c o v e r e d b y th is p r o g r a m .
S e r v ic e s a r e p r o v id e d th rou g h a r r a n g e m e n ts w ith p r iv a te p h y s ic ia n s .
T h e in s u r e d in d iv id u a l m a y s e l e c t h is ow n p h y s ic ia n e it h e r fr o m a m on g
the n e a r ly 1 1 ,0 0 0 p a r t ic ip a tin g p h y s ic ia n s o r a m on g o th e r lic e n s e d
p h y s ic ia n s .
E l ig i b il it y .
E lig i b il it y f o r e n r o llm e n t is lim ite d to g r o u p s o f
e m p lo y e d p e r s o n s .
If th e r e a r e 50 o r m o r e in the g r o u p , at le a s t
75 p e r c e n t o f the e lig ib le in d iv id u a ls m u st s u b s c r ib e .
F o r s m a lle r
g r o u p s , h ig h e r p e r c e n t a g e s a r e r e q u ir e d . A n e m p lo y e e o r an in s u r e d
d ep en d en t ca n co n tin u e a s a s u b s c r ib e r if he le a v e s the g ro u p by p a y
ing a p r e m iu m d ir e c t ly to G rou p H ealth In s u ra n c e , In c. S p o u s e s and
d ep e n d e n t, u n m a r r ie d c h ild r e n fr o m b irth to 19 y e a r s a r e e lig ib le f o r
c o v e r a g e . R e t ir e d p e r s o n s w ho m e e t the e lig ib ilit y r e q u ir e m e n t s m a y
con tin u e th e ir c o v e r a g e u n ch a n ged at co m m u n ity g r o u p r a te s .
B e n e f it s . 1 S u r g e r y , m e d ic a l and m a te r n ity c a r e , and ra d ia tio n
and e l e c t r o s h o c k th e r a p y in the h o s p it a l, h o m e , o r d o c t o r 's o f f ic e
a r e p r o v id e d w ith ou t a d d itio n a l c h a r g e s to in d iv id u a ls c h o o s in g a p a r
tic ip a tin g d o c t o r .
In a d d itio n , d ia g n o s tic X - r a y and la b o r a t o r y e x
a m in a tio n s , an n ual p h y s ic a l e x a m in a tio n s , im m u n iz a tio n s (e x c e p t f o r
the c o s t o f d r u g s ), w e ll- b a b y c a r e , and p h y s io th e r a p y a r e p a id in fu ll
w hen p a r t ic ip a tin g d o c t o r s p r o v id e th ese s e r v ic e s out o f the h o s p it a l.
T h e a d m in is t e r in g o f a n e s t h e t ic s and p s y c h ia t r ic c a r e in the h o s p ita l
a r e a l s o p r o v id e d w ith ou t a d d ition a l fe e s by p a rticip a tin g d o c t o r s .
V is it in g n u r s e 's s e r v i c e s at h o m e and an a llo w a n ce f o r a m b u la n ce
s e r v i c e to a n d /o r f r o m a h o s p ita l a r e a ls o p r o v id e d .
In c.
149
F o r p a tien ts w ho a p p ly f o r , o r a r e h o s p it a liz e d in , p r iv a te a c c o m m o d ia t io n s , o r w ho c h o o s e a n o n p a rtic ip a tin g p h y s ic ia n , b e n e fits
take the fo r m o f c a s h r e im b u r s e m e n t , a c c o r d in g to a fe e s c h e d u le ,
tow a rd the am ou n t the d o c t o r c h a r g e s .
If a p a r tic ip a tin g d o c t o r is
c h o s e n , fu ll c a r e is p r o v id e d w ith ou t a lim it on the n u m b er o f v is it s
to the p a tie n t's h o m e o r the d o c t o r 's o f f ic e . I n -h o s p it a l m e d ic a l c a r e
is c o v e r e d f o r 365 days., w ith ou t r e g a r d to c h o ic e o f h o s p ita l a c c o m
m o d a tio n s o r the d o c t o r 's p a r t ic ip a tio n .
C a s e s c o v e r e d b y w o r k m e n 's c o m p e n s a tio n and the V e te ra n s
A d m in is t r a tio n p r o g r a m a r e e x c lu d e d fr o m c o v e r a g e . A l s o e x clu d e d
a r e s e r v i c e s o r d in a r ily p e r fo r m e d by a d e n tis t; e y e r e fr a c t io n s ; a r t i
f ic ia l lim b s and o th e r p r o s t h e t ic a p p lia n c e s ; c o s m e t ic s u r g e r y ; b lo o d
p la s m a and o th e r s u b s ta n c e s o r d in a r ily p r o v id e d b y d o n o r s ; p r iv a te
n u rsin g c a r e ; s e r v i c e s f o r w h ich no p h y s ic ia n 's c h a r g e is in c u r r e d ;
and s e r v i c e s r e n d e r e d in a m e d ic a l d e p a rtm e n t o r c lin ic m a in ta in ed
by an e m p lo y e r , union w e lfa r e fund, m u tu al b e n e fit o r g a n iz a tio n , o r
s im ila r o r g a n iz a t io n s . A 3 0 - day lim ita tio n is p la c e d upon in -h o s p it a l
c a r e o f p u lm o n a r y t u b e r c u lo s is and upon p s y c h ia t r ic tr e a tm e n t. *
* Benefits described are those available to individuals covered by the health and insurance plans
under collective bargaining agreements between Brewers Board of Trade (New York, N. Y . ) and the
International Brotherhood of Teamsters; the Association of Master Painters and Decorators of the City
of New York and the Brotherhood of Painters, Decorators and Paperhangers of America (District Coun
cil 9) and the Sperry Gyroscope Co. and the International Union of Electrical, Radio and Machine
Workers of America.
Except for the diagnostic X-ray and laboratory examinations, out-of-hospital
benefits are not provided employees of the Sperry Gyroscope Co.
Appendix C
H ealth In su ra n c e P la n o f G r e a te r N ew Y o rk
E s ta b lis h e d on M a r c h 1, 1947, the H ealth In s u ra n c e P la n o f
G r e a te r N ew Y o r k (H IP ) p r o v id e s p r e p a id m e d ic a l and s u r g ic a l c a r e .
M o r e than 700, 000 p e o p le in N ew Y o r k C ity and v ic in it y a r e c o v e r e d
by th is p r o g r a m .
S e r v ic e s a r e p r o v id e d th rou g h 32 a ffilia t e d m e d ic a l g r o u p s , o f
w h ich 29 a r e lo c a t e d in N ew Y o r k C ity, and 2 in N a ssa u County.
S e r v ic e s o f g e n e r a l p h y s ic ia n s and s p e c ia lis t s in 15 s p e c ia lit ie s o f
m e d ic in e and s u r g e r y , in clu d in g p a th o lo g y , and r o e n t g e n o lo g y a r e
p r o v id e d a t e a c h m e d ic a l c e n t e r . In a d d itio n , e a c h g rou p c o n tr ib u te s
a p o r t io n o f its p e r c a p ita in c o m e to a c o m m o n s p e c ia l s e r v i c e fund
w h ich p a y s f o r v is it in g n u r s e and a m b u la n c e s e r v i c e s ; d ia g n o s t ic and
th e r a p e u tic r a d io a c t iv e m a t e r ia ls ; and h ig h ly s k ille d p r o f e s s io n a l s e r v
ic e s su ch a s n e u r o lo g ic a l, c a r d ia c , and p la s t ic s u r g e r y , and o p e r a
tion s f o r d e a fn e s s .
E lig ib ilit y .
M o s t m e m b e r s o f th is p la n e n r o ll th rou g h g ro u p s
o r g a n iz e d b y e ith e r u n ion s o r e m p lo y e r s (p r iv a te , m u n icip a l, State
and F e d e r a l), and a m on g ten an ts in h ou sin g d e v e lo p m e n ts . T he m i n i
m u m s iz e o f p a r t ic ip a tin g g ro u p s is 10; d ep en d en ts m u st a l s o b e
in clu d e d in the c o v e r a g e .
" D e p e n d e n ts" m e a n s p o u s e , u n m a r r ie d
c h ild r e n u n der 19 y e a r s o f a g e , and u n m a r r ie d c h ild r e n o v e r 19 w ho
b e fo r e that a g e b e c o m e in c a p a b le o f s e lf-s u s t a in in g e m p lo y m e n t b e
c a u s e o f r e ta r d a tio n o r p h y s ic a l h a n d ica p .
On le a v in g h is jo b , an
e m p lo y e e c a n con tin u e a s a s u b s c r ib e r b y p a y in g the p r e m iu m fo r
h im s e lf and h is fa m ily d ir e c t ly to H IP.
F o r g r o u p s o f 25 o r m o r e
to q u a lify , at le a s t 75 p e r c e n t o f th o s e e lig ib le in the unit c o v e r e d
by the g ro u p m u s t e n r o ll.
F o r g r o u p s o f 10 to 24, a h ig h e r p e r
ce n ta g e is r e q u ir e d .
A n y p e r s o n is e lig ib le to jo in , r e g a r d l e s s o f h is annual in c o m e .
B e n e fit s . 1 T he p la n p r o v id e s p r e v e n tiv e and g e n e r a l m e d ic a l
c a r e , the s e r v i c e s o f s p e c ia lis t s , s u r g ic a l c a r e , and m a te r n ity c a r e
at H IP m e d ic a l c e n t e r s , in the d o c to r s * o f f i c e s , in h o s p it a ls , and at
hom e.
D ia g n o s tic and la b o r a t o r y s e r v i c e s , p h y s ic a l th e r a p y , X - r a y
tre a tm e n t, and o th e r s p e c ia l tr e a tm e n ts a r e p r o v id e d a t the h ealth
cen ters.
A m o n g o th e r b e n e fit s p r o v id e d a r e p e r io d ic h ealth e x a m i
n a tio n s , v is it in g n u r s e s e r v ic e , p s y c h i a t r ic a d v ic e , and a m b u la n ce
s e r v ic e . 2
The tr e a tm e n t o f m e n ta l and n e r v o u s d i s o r d e r s b y a p s y c h i a
t r is t is e x clu d e d fr o m HIP b e n e fit s .
C a s e s c o v e r e d b y w ork m en * s
c o m p e n s a tio n , the V e te ra n s A d m in is t r a t io n p r o g r a m , and o th e r g o v
e r n m e n ta l a g e n c ie s a r e a ls o e x c lu d e d . O th er it e m s n ot in c lu d e d a r e
d en ta l c a r e , tr e a tm e n ts fo r a l c o h o lis m and d ru g a d d ic tio n , p u r e ly
c o s m e t ic s u r g e r y , a r t i f ic i a l lim b s and e y e g la s s e s , p r e s c r i b e d d r u g s ,
b i o l o g i c a l s , and a n e s th e tic s w hen a d m in is t e r e d in a h o s p it a l.
H IP o ffe r s a w id e ra n g e o f b e n e fit s to e m p lo y e e s and d e p e n d
en ts liv in g ou tsid e a r e a s s e r v e d b y H IP m e d ic a l g r o u p s . C a sh p a y
m e n ts a r e m a de fo r s u r g e r y , m a te r n ity c a r e , d e e p r a d ia tio n th e ra p y ,
s p e c ia lis t s c o n s u lta tio n in a h o s p it a l, X - r a y and la b o r a t o r y e x a m in a
tio n s , and a m b u la n ce s e r v ic e .
P a y m e n ts f o r th e s e s e r v i c e s and
o th e r s a r e m a de a c c o r d in g to a s c h e d u le o f c a s h in d e m n it ie s , w h ich
a llo w s up to $ 4 5 0 fo r c e r t a in s u r g ic a l p r o c e d u r e s and up to $ 2 0 0
f o r o b s t e t r ic a l p r o c e d u r e s .
In a d d itio n , p r e v e n t iv e c a r e su ch a s
h ealth e x a m in a tio n s and im m u n iz a tio n s , and g e n e r a l m e d ic a l and s p e
c ia li s t s c a r e at h o m e , d o c to r s * o f f i c e s , and h o s p it a ls a r e c o v e r e d .
F o r ea ch h om e v is it , H IP p a y s $ 5 ; f o r e a c h o f f i c e v is it , $ 3 ; and
f o r e a c h h o s p ita l v is it , $ 4 , if th e v i s i t is n o t in c o n n e c t io n w ith a
c o n d itio n fo r w h ich p a ym en t is a llo w e d u n d er the s c h e d u le o f s u r g ic a l
o r o b s t e t r ic a l c a s h in d e m n itie s .
In e a c h c a s e , th e r e is a lim it o f
1 v is it a day and o f 100 v is it s f o r an y 1 i ll n e s s o r in ju r y . T h e e x
c lu s io n s n oted a b o v e fo r in -a r e a H IP s u b s c r i b e r s a l s o a p p ly to o u to f - a r e a s u b s c r ib e r s .
* The plan provides for supplementation of Medicare benefits which became effective in
July 1966.
2
The plan provides the following additional benefits to employees in the fur manufacturing
and retailing industry represented by the Meat Cutters (Furriers Joint Council of New York) and their
dependents and to employees covered by the Publishers Association of New York City—
Typographers,
Local 6 Plan and their dependents.
Anesthesia allowance— 80 percent of charges; maximum— $50 if less than 2 hours are required;
$100 otherwise.
Drug and appliance allowance— 80 percent of charges in excess of $50 per year; maximum—
$1,000 per year; $2,500 during lifetime.
The following benefit is provided only to employees in the fur manufacturing industry and
their dependents: Private duty nursing care during hospital confinements: 80 percent of charges
after 1st 72 hours of care; maximum— 504 hours per disability.
150
Appendix D
K a is e r F o u n d a tio n H ealth P la n
M e d ic a l c a r e and h o s p it a liz a t io n a r e p r o v id e d th rou g h the K a is e r
F o u n d a tio n H ealth P la n to o v e r 1, 300, 000 p e r s o n s in the W e s t C o a st
S tates and H aw aii. T h is is a v o lu n ta ry p r e p a id g ro u p p r a c t ic e plan,
e s t a b lis h e d in 1942. A n u m b e r o f m o d e r n h o s p ita ls a r e o p e r a te d by
the plan , to s e r v e m e m b e r s (a s w e ll a s the g e n e r a l p u b lic ); and m e d i
c a l c e n t e r s a r e lo c a t e d th rou g h ou t the a r e a s s e r v e d .
San F r a n c is c o ,
L o s A n g e le s , P o r tla n d , and H on olulu a r e the m a jo r a r e a s s e r v e d b y
th e K a is e r P la n .
A m b u la n c e s e r v i c e is fu r n is h e d w ith in 30 m i le s o f any H ealth P la n
m e d ic a l o f f i c e o r h o s p it a l. A lth ou g h c h a r g e s a r e n ot m a d e fo r m e d i
c in e s and d r u g s in the h o s p it a l, the p a tien t p a ys f o r th o se s u p p lie d
in the o f f i c e o r at h o m e .
E l ig i b il it y . — B oth g ro u p and in d iv id u a l m e m b e r s h ip s a r e a v a il
a b le . H o w e v e r , m e m b e r s h ip m o s t c o m m o n ly o c c u r s th rou g h p a r t i c i
p a tin g g r o u p s , c h ie fly o r g a n iz e d on a u nion o r co m p a n y b a s is . P e r
s o n s m a y c o n v e r t to in d iv id u a l c o v e r a g e a ft e r d rop p in g ou t o f a g r o u p .
S p o u s e s and d ep en d en t u n m a r r ie d c h ild r e n u nder 19 y e a r s o f a g e a r e
e lig ib le f o r c o v e r a g e .
D ia g n o s tic s e r v i c e s a r e p r o v id e d f o r p o li o m y e lit i s .
S e r v ic e s
f o r r e h a b ilita tio n and tr e a tm e n t o f th is d is e a s e , a ft e r the a cu te and
c o n ta g io u s s ta g e , a r e p r o v id e d f o r up to 1 y e a r o r up to a v a lu e o f
$ 2 ,5 0 0 , w h ic h e v e r is r e a c h e d f i r s t .
T h e s e s e r v i c e s a r e a v a ila b le
at the r e h a b ilita tio n c e n t e r at V a lle jo , C a lif.
C a re d u rin g the c o n
ta g io u s sta g e is n ot p r o v id e d .
In c a s e s o f o th e r q u a ra n tin a b le d i s
e a s e s , s e r v i c e s a r e a v a ila b le f o r d ia g n o s is and h o u s e c a lls o n ly , w ith
r e im b u r s e m e n t up to $300 f o r m e d ic a l and h o s p it a l c h a r g e s in h o s p it a ls
that m a in ta in c o n ta g io u s d is e a s e w a r d s .
E m e r g e n c y tre a tm e n t f o r
t u b e r c u lo s is is p r o v id e d u n til p r o p e r p la c e m e n t o f the patien t is m a d e
o r w hen is o la t io n is u n n e c e s s a r y .
F o r m e n ta l i l l n e s s , b e n e fits a r e
lim it e d to d ia g n o s is .
C a r e f o r a l c o h o lis m is n ot p r o v id e d f o r the
c o n d itio n i t s e lf but is a v a ila b le f o r su ch s id e e ffe c t s as c i r r h o s i s ,
m a ln u tr itio n , and in ju r ie s c a u s e d b y a l c o h o lis m .
N o s e r v ic e s a r e
p r o v id e d f o r c o n d itio n s r e s u ltin g fr o m m a jo r d is a s t e r s , e p id e m ic s ,
a tte m p te d s u ic id e , o r in te n tio n a lly s e l f - i n f l i c t e d in ju r ie s . C a s e s c o v
e r e d by w o r k m e n 's c o m p e n s a tio n and b y the V e t e r a n s A d m in is t r a tio n
a r e a l s o e x c lu d e d f r o m c o v e r a g e .
In c a s e s o f an e m e r g e n c y , w hen m o r e than 30 m ile s fr o m the
n e a r e s t H ealth P la n h o s p it a l o r o f f i c e , e x p e n s e s a r e r e im b u r s e d up
to $ 5 0 0 f o r e m e r g e n c y c a r e u n til th e p e r s o n 's c o n d itio n p e r m it s tr a v e l
to a H ealth P la n fa c ilit y . 67
B e n e fit s . — T h e b e n e fit s p r o v id e d v a r y w ith p a r t ic u la r situ a tio n s
o r the n e e d s o f s p e c ia l g r o u p s o f s u b s c r ib e r s . The b e n e fit s d e s c r ib e d
b e lo w a r e th o s e p r o v id e d f o r e m p lo y e e s and d ep en d en ts c o v e r e d b y
p r o g r a m s in th is r e p o r t w h ich u tiliz e the K a is e r P la n .1
A l l s e r v i c e s o f p h y s ic ia n s , in clu d in g su r g e o n s and s p e c ia lis t s ,
a r e p r o v id e d w ith ou t c h a r g e fo r in -h o s p it a l c a r e .
D o c t o r 1s c a r e at
th e o f f i c e is a l s o p r o v id e d , in clu d in g c o n s u lta tio n and tr e a tm e n t by
s p e c ia lis t s and e y e e x a m in a tio n s f o r g la s s e s . 2
T he p a tie n t is c h a r g e d fo r at le a s t the f ir s t h o m e v is it f o r e a c h
i ll n e s s o r in ju r y . 3 N o c h a r g e s a r e m a d e f o r fo llo w u p c a lls b y the
d o c t o r o r f o r c a l l s o f v is it in g n u r s e s , w hen under d o c to r * s o r d e r s .
U n lim ite d e m e r g e n c y s e r v i c e is p r o v id e d in c a s e s o f su dden illn e s s
o r in ju r y .
Pacific Maritime Association and International Longshoremen's and Warehousemen's Union
(ILWU-PMA Fund). The Distributor's Association of Northern California and International Longshore
men's and Warehousemen's Union, and the construction industry (northern California) as provided by
the Carpenters Health and Welfare Trust Fund for California.
2 This benefit is provided without cost to workers covered by the plans listed in footnote 1.
However, workers in the construction industry are charged $1 per visit.
3 In northern California workers and dependents are charged $3. 50 for daytime house calls and
$5 for night-time house calls.
In southern California the charge for house calls is $5. In each re
gion, the ILWU-PMA Fund pays part of these charges.
4 Active workers and dependents are provided 111 full days of hospital care per disability, ex
cept those in southern California are provided 125 full days.
5 Workers and dependents are charged $60 for complete maternity care and care of child, and
not more than $40 for care due to an interrupted pregnancy. For workers covered by the ILWU-PMA
Plan, charges for maternity care are paid for by the fund.
^ Emergency care in southern California is reimbursed up to $1,000.
7 Southern California provides services up to 2 years or $5, 000, whichever is reached first, for
poliomyelitis rehabilitation.
H o s p ita l c a r e is p r o v id e d fo r e a c h illn e s s o r in ju r y and its r e
c u r r e n c e s and c o m p li c a t io n s . 4 A l l c h a r g e s a r e c o v e r e d w h ile in the
h o s p it a l, in clu d in g a n e s t h e t ic s , m e d ic in e s , and d r u g s . P r iv a t e r o o m s
and p r iv a t e -d u t y n u r s in g c a r e a r e p r o v id e d w hen n e e d e d . No c h a r g e s
a r e m a d e f o r b lo o d tr a n s fu s io n s if the b lo o d is r e p la c e d .
N o m in a l c h a r g e s a r e m a d e fo r c o m p le t e m a te r n ity c a r e , f o r fu ll
c a r e o f the c h ild , and f o r c a r e r e q u ir e d b e c a u s e o f an in te r ru p te d
pregn an cy,
su ch a s m i s c a r r i a g e . 5
No c h a rg e is m a d e f o r oth er
s u r g ic a l p r o c e d u r e s .
X - r a y s , la b o r a t o r y s e r v i c e s , e le c t r o c a r d i o g r a m s , and p h y s io
th e r a p y a r e p r o v id e d in and out o f the h o sp ita l w ith ou t c h a r g e w hen
o r d e r e d b y th e p h y s ic ia n .
H ow e v e r, d en ta l c a r e is n ot p r o v id e d .
151
U ION IDENTIFICATION
N
This listing presents the fu ll titles o f the unions referred to in the plan sum m aries.
letters.
Unions not a ffilia te d w ith A FL-C IO are noted as independent ( I n d .).
T h e names used to iden tify unions in the sum m aries are shown in ca p ita l
ALUMINUM WORKERS International Union.
AM ALGAM ATED TR A N SIT Union.
International U nion, U nited AUTOMOBILE, A erospa ce and A gricultural
Im p lem en t WORKERS o f A m e rica .
AM ERICAN BAKERY AN D CONFECTIONERY W ORKERS' International Union.
International Brotherhood o f BOOKBINDERS.
BUILDING SERVICE EMPLOYEES' International Union.
United Brotherhood o f CARPENTERS and Joiners o f A m e rica .
International A ssociation o f MACHINISTS and A erosp a ce Workers.
N ational MARINE ENGINEERS' B e n e ficia l A ssocia tion .
N ational M ARITIM E UNION o f A m e rica .
A m a lg a m a ted M EAT CUTTERS and Butcher W orkm en o f North A m e rica .
NEW Y O R K HOTEL AN D MOTEL TRADES COUNCIL (association o f
various unions in h otel and m otel fie ld ).
OIL, CHEMICAL AND A T O M IC WORKERS International Union.
N ational Brotherhood o f PACKINGHOUSE and D airy WORKERS (NBPW )(Ind.).
International CHEMICAL WORKERS Union.
A m alg am ated CLOTHING WORKERS o f A m erica .
COMMUNICATIONS WORKERS o f A m erica .
DISTILLERY, R e c tify in g , W ine and A llie d WORKERS'
International Union o f A m erica .
International Brotherhood o f ELECTRICAL WORKERS (IBEW).
International Union o f ELECTRICAL, R a d io and
M achine Workers (IUE).
U nited PACKINGHOUSE, Food and A llie d WORKERS (UPWA).
Brotherhood o f PAINTERS, D ecorators and Paperhangers o f A m e rica .
United PAPERMAKERS AND PAPERWORKERS.
International Brotherhood o f PULP, SULPHITE AN D PAPER MILL WORKERS.
RETAIL CLERKS International A ssociation .
RETAIL, WHOLESALE AND DEPARTMENT STORE UNION.
U nited RUBBER, Cork, Linoleum and Plastic WORKERS o f A m e rica .
SEAFARERS' International Union o f North A m e rica .
EMPLOYEES INDEPENDENT ASSO CIATIO N (In d .).
United FURNITURE WORKERS o f A m erica .
GLASS BOTTLE BLOWERS A ssociation o f the U nited States and Canada.
U nited GLASS AN D CERAM IC WORKERS o f North A m e rica .
United H ATTERS, CAP AND MILLINERY WORKERS
International Union.
HOTEL AN D RESTAURAN T EMPLOYEES and Bartenders International Union.
INDEPENDENT STEELWORKERS UNION (In d .).
INSURANCE WORKERS INTERNATIONAL UNION.
STAN D ARD ALLIED TRADES COUNCIL (various unions colla b ora tin g in
n egotiation o f single agreem en t).
U nited STEELWORKERS o f A m erica .
International Brotherhood o f TEAMSTERS, Chauffeurs, W arehousem en
and Helpers o f A m erica (Ind.).
TEXTILE WORKERS Union o f A m e rica (TW U A ).
TOBACCO WORKERS International U nion.
International Union o f D olls, T O Y S , Playthings, N ovelties and A llie d
Products o f the U nited States and Canada.
International JEWELRY WORKERS' Union.
International LADIES' GARM ENT WORKERS' Union.
International LEATHER GOODS, PLASTIC AND NOVELTY WORKERS' U nion.
LEATHER WORKERS International Union o f A m e rica .
LITHOGRAPHERS and Photoengravers International Union.
International LONGSHOREMEN'S ASSOCIATION.
International LONGSHOREMEN'S AN D WAREHOUSEMEN'S UNION (In d .).
International T ypograph ical Union (TYPOGRAPHERS).
UNITED MINE WORKERS o f A m e rica (In d .).
UNITED SHOE WORKERS o f A m e rica .
UPHOSTERERS' International U nion o f North A m e rica .
UTILITY WORKERS Union o f A m e rica .
A m erica n W ATCH WORKERS U nion (In d .).
International WOODWORKERS o f A m e rica .
152
☆ u. S.
GOVERNMENT PRINTING OFFICE : 1966 O
235-780
BLS PUBLICATIONS ON EMPLOYEE BENEFIT PLANS
Bulletin
number
Price
Pensions
1485
Private Pension Plan Benefits (1966).
55 cents
1477
Digest of 50 Selected Pension Plans for Salaried Employees, Summer 1965.
40 cents
1435
Digest of 100 Selected Pension Plans Under C ollective Bargaining, Late 1964.
50 cents
1407
Labor M obility and Private Pension Plans (June 1964).
45 cents
1394
Unfunded Private Pension Plans (May 1964).
30 cents
1334
Pension Plans Under C ollective Bargaining: Benefit for Survivors, Winter 1961—
62.
25 cents
1326
M ultiemployer Pension Plans Under C ollective Bargaining, Spring 1960.
65 cents
Changes in Pension Plans for Salaried Employees, Monthly Labor R eview , April 1966 (Reprint).
Free
Changes in Negotiated Pension Plans, 1961—
64, Monthly Labor R eview , September 1965 (Reprint 2479).
Free
Relationship of Employee Hiring Ages to the Cost of Pension Plans (July 1965).
Free
Health and Insurance
1377
Digest of 50 Selected Health and Insurance Plans for Salaried Workers, Spring 1963.
$1.00
1296
Health and Insurance Plans Under C ollective Bargaining:
Dismemberment Benefits, Early Summer 1960.
Life Insurance and A ccidental Death and
25 cents
Health and Insurance Plans Under C ollective Bargaining:
Major M edical Benefits, Fall 1960.
1293
Adapting Group Health Insurance to Medicare, Monthly Labor R eview , May 1966 (Reprint).
20 cents
Free
Other '
1483
Financing Supplemental Unemployment Benefit Plans (May 1966).
20 cents
1425-3
Supplemental Unemployment Benefit Plans and Wage Employment Guarantees (June 1965).
70 cents
1325
Digest o f Profit-Sharing, Savings, and Stock Purchase Plans, Winter 1961—
62.
30 cents
@FedFRASER