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gest of 50 Selected Health and Insurance Plans for Salaried Employees, Spring 1963 UNITED STATES DEPARTMENT OF LABOR W. Willard Wirtz, Secretary B U R E A U O F L A B O R S T A T IS T IC S Ew an C lagu e , Com m issioner Bulletin No. 1377 Digest of 50 Selected Health and Insurance Plans for Salaried Employees, Spring 1963 v 129J Bulletin No. 1377 February 1964 UNITED STATES DEPARTMENT OF LABOR W. Willard Wirtz, Secretary BUREAU OF LABOR STATISTICS Ewan Clague, Commissioner For sale b y the Superintendent of Documents, U.S. Government Printing Office, Washington, D.C., 20402 - Price $1.00 Preface Contents P a ge T h is b u lletin d e s c rib e s the p rin c ip a l fe a tu res o f 50 s e le c te d health and in su ran ce plans in e ffe c t in the spring o f 1963 c o v e rin g s a la rie d e m p lo y e e s . It is design ed to s e r v e as a com panion p u b li cation to the Bureau*s D ig e s t o f 50 S elected Pen sion P lan s fo r S a la rie d E m p lo y e e s , Spring 1963 (B!LS B u lletin 1373, 1963). In d e x _____________________________________________________________ v E xplan atory n o te s ____________________________________________________ 1 S elected pension plans under c o lle c tiv e b argain in g **_____________ 4 The plans in this d ig e s t a re not p resen ted as m o d el o r ty p ic a l plan s, nor as a r e p re s e n ta tiv e sam ple. Th ey w e re s e le c te d to illu stra te the plans o f one o r m o r e m a jo r em p lo yers in each industry. A l l but one plan c o v e r la r g e num bers o f w o rk e rs ; they range in s iz e fr o m a thousand w o r k e r s to s e v e r a l hundred thousand. A p p e n d ix *___ ________________________________________________ The p re s e n t b u lletin — the B u reau ’ s f ir s t d ig e s t o f health and in su ran ce plans c o v e rin g s a la rie d w o rk ers— supplem ents the B u reau ’ s D ig e s t o f One Hundred S elected H ealth and Insurance P lan s Under C o lle c tiv e B a rga in in g, W in ter 1961—62 (B L S B u lletin 1330, 1962). It is exp ected that both o f these digests w ill be r e v is e d at re g u la r in te rv a ls . The co o p e ra tio n o f plan ad m in istrators and oth er com pany o ffic ia ls is g r a te fu lly acknow ledged, as is the a ssista n ce o f the D e p a rtm e n t’ s O ffic e o f L a b o r-M a n a gem en t and W e lfa r e -P e n s io n R ep o rts . The d ig e s t was p re p a re d by H a r r y E. D a vis, a s s is te d by A rn e H. A n d erso n , under the su p ervision o f Donald M . Landay, in the B u reau ’ s D iv is io n o f In d u strial and Lab or R ela tio n s, under the g e n e ra l d ir e c tio n o f L . R. L in sen m a y er, A ssista n t C o m m is s io n e r fo r W ages and In d u stria l R ela tio n s. 161 Index Page Page C a m p b ell Soup C o .________________________________________________________ C a te r p illa r T r a c t o r C o._________________________________ Chase Manhattan Bank, T h e ___________________________________________ C lu ett, ''P ea b o d y and Co. , In c .----------------------------- --------- -----------C on solid a ted F ood s C o r p .-------------------C row n Z e lle r b a c h C o r p ._______________________ , ________________________ 20 24 28 28 32 32 D e tr o it E dison Co. , T h e_________ _________ ,-----------------------------------D ouglas A i r c r a f t Co. , In c.________________________________ du P o n t de N e m o u rs , E. I. and C o .--------------------------------------- — 36 40 44 E astm an K odak C o.--------------------------------------------------------------------- 84 84 88 N ew Y o rk T im e s Co. , The_____________________________________________ N orth A m e ric a n A v ia tio n , Inc._________________________________________ 16 20 80 80 M c C r o r y C orp. (M c C r o r y —M c L e lla n — reen S tores D iv is io n )_____ G M e lp a r, Inc. (Subs, o f W estinghouse A ir B ra k e Co. )______________ 4 8 12 B o rd en Co. , T h e-------------------------- -------- -— ..-------------------------------B u rlin gton In d u stries, In c.--------------------------------------------------------- K r e s g e , S. S. , C o.______________________ -_______________________________ K ro e h le r M anufacturing C o . ___________________________________________ L e r n e r Shops o f A m e r ic a , In c .________________________________________ Alum inum Co. o f A m e r ic a _____________________________________________ A m e r ic a n A ir lin e s , I n c . . ___________________________________ A m e r ic a n T elep h on e and T e le g ra p h C o.______________________________ 92 96 48 G e n e ra l E le c t r ic C o.____________________________________________________ G e n e ra l M o to rs C o r p . _______________________________________ G im b e l B r o th e r s , In c.__________________________________________________ G o o d y e a r T ir e and R u bber Co. , The----- ------------------------------------G reyhound C orp . , T h e _________________________________________________ Safew ay S to re s , In c .____________________________________________________ 120 S p e rry G y ro s c o p e Co. (D iv is io n o f S p e rry Rand C orp. }____________ 124 Standard O il Co. (N ew J e r s e y )----------------------------------------------------128 S tevens, J. P . and Co.---------------------------- ---------- — ----------------------- 132 64 B u sin ess M achines C o rp .__________________________ r» ---H a r v e s te r C o.____________________________________ P a p e r C o .________________________________________________ Shoe C o . ________________________________ — ------------------, R adio C orp. o f A m e r ic a ---- -------------------------------------------------------116 R e s e a rc h Institute o f A m e r ic a , Inc.____________________________________ 120 52 56 60 60 64 H a rt, S ch a ffn er and M a r x ______________________________________________ P a c ific Gas and E le c t r ic C o .__________________________________________ 100 P en n sylva n ia R a ilro a d C o ._____________________________________________ 104 P f i z e r , Chas. h C o ., In c .----------------------------------------------------------- 108 P ittsb u rgh P la te G lass C o.______________________________________________ 108 P ru d en tia l Insurance Co. o f A m e r ic a _________________________________ 112 68 72 76 76 In tern ation al In tern ation al Inte rn ation al In tern ation al Thom pson, R a m o -W o o ld rid g e , In c .___________________________________ T im e , In c .________________________________________________________________ 140 144 Union C a rb id e C o r p ._____________________________________________________ United States L in es C o r p ._______________________________________________ United States S teel C o r p ._______________________________________ W e y e rh a e u s e r C o .________________________________________________________ y 144 148 156 152 Digest of 50 Selected Health and Insurance Plans for Salaried Employees, Spring 1963 Explanatory Notes Although the te rm s and p ro visio n s of the d ig e s t of health and insurance plans used in this re p o rt are g e n e ra lly s e lf-e x p la n a to ry , som e s p e c ia l d efin ition s and qu alification s w ere re q u ire d . T h ese a re set fo rth b elo w . It m ust be em ph asized that a su m m ary o f a plan n e c e s s a r ily o m its m any fea tu res and ad m in istrative d eta ils em bodied in the a g re e m e n ts and insurance p o lic ie s which g o v e rn the o p era tion o f the plan, and w hich m ay be n e c e s s a ry in m aking com p arison s of b en efits p ro v id e d under d iffe re n t plans. F o r exa m p le, som e plans that graduate b e n e fit amounts a ccord in g to salary group d eterm in e the b en efit by the s a la ry group to which the em ployee b elon ged at the b e ginning o f the in su ran ce y e a r . Under these plans the amount o f an e m p lo y e e ^ in su ran ce in c re a s e s only if he is p ro m o ted to a sa la ry group that fa lls w ith in a h igh er insurance ca te g o ry ; a g e n e ra l w age in c re a s e does not a u tom a tica lly in crea se his c o v e r a g e . U nder oth er plans, any in c re a s e a w o rk e r r e c e iv e s m ay a ffect h is insurance c o v era ge. T h e s e d iffe r e n c e s a re not shown in the plan su m m a ries. Individuals to Whom the B en efits A pply E xcep t as indicated, life insurance (o r death b en efits) and a ccid en tal death and d ism em b erm en t insurance are availab le only to a ctive e m p lo y e e s . A ccid en t and sickn ess insurance and sick lea ve b en efits a re a va ila b le only to a c tive e m p lo y e e s . The a v a ila b ility o f h osp ital, s u rg ic a l, m e d ic a l, and m a jo r m e d ic a l b en efits to the active em p loyee and his dependents, and to the r e tir e d em ployee and his spouse, is indicated in the a p p rop ria te section s of the plan d igest. Scope F o r each plan, the d ig e s t shows the scope o f the d is a b ilitie s (nonoccupational and/or occu pation al) fo r which acciden tal death and d ism em b erm en t insurance and acciden t and sickness b en efits are p a y able. P a id sick le a v e was p ro vid ed fo r both nonoccupational and/or occupational d is a b ilitie s unless so in d icated. H ealth ben efits, except w h ere indicated, a re a va ila b le only fo r nonoccupational (o ff-th e jo b ) d is a b ilitie s . P lan s fo r S a la rie d E m p lo y e e s F o r p u rp oses Of this study, s a la rie d em p lo y e e s include p r o fe s s io n a l, a d m in is tra tiv e , tech n ical, and c le r ic a l w o r k e r s . E lig ib ility R equ irem en ts Sym bols and A b b re v ia tio n s X When used in the d igest, this sym b ol m eans that the colum n i£ applicab le o r that the b en efit is_ p ro vid ed under the p ro g ra m . _ _ Th is te rm applies to req u irem en ts which a new em ployee m ust fu lfill in o r d e r to be c o v e re d by the plan o r to becom e e lig ib le to p a rticip a te in the p ro g ra m . Although the em p loyee g e n e ra lly b e com es e lig ib le to r e c e iv e b en efits upon q u a lifyin g fo r plan c o v e ra g e , fu rth er req u irem en ts m ay be stipulated fo r s p e c ific benefits, e. g. , h osp ita l b en efits in m a te rn ity ca s e s . T h ese additional requ irem en ts a re not su m m a rized . When used in the d igest, this sym b ol m eans that the colum n is not applicable o r that the b e n efit is not p r o vid e d under the p ro g ra m . V a ria tio n s W ithin P lan s In States w ith te m p o ra ry d is a b ility insurance p ro gra m s, 1 w o rk e rs insu red by p riv a te plans a re e lig ib le fo r d isa b ility cash b en e fits as soon as they q u a lify under the State law , ir r e s p e c tiv e of the Although a sin gle p ro g ra m m ay be in e ffe c t throughout the va rio u s plants and o ffic e s c o v e re d by a m u ltiestab lish m en t p ro g ra m , va ria tio n s in som e b en efits m ay occu r between estab lish m en ts. A com m on exam p le o f this v a ria tio n is that rela tin g to h osp ital, s u r g ic a l, and m e d ic a l b en efits p rovid ed through Blue C ro s s and Blue Shield p r o g r a m s . B en efits under these p rogra m s g e n e ra lly v a r y fro m lo c a lity to lo c a lity . W h ere va ria tio n s in benefits a re known to e x is t under a p a rtic u la r m u ltiesta b lish m en t plan, the p ro v is io n s c o v e rin g the la r g e s t group o f w o r k e r s a re d escrib ed . * Four States (Rhode Island, California, N ew Jersey, and New York ) have enacted statutes pro vidin g protection froin loss o f wages because o f temporary disability arising out o f nonoccupational causes. The statutes o f California and N ew Jersey perm it the substitution o f private plans m eeting specified standards for the State plan. The N ew York statute does not provide for a State plan but requires em ployers to arrange for the benefits through insurance companies, a com petitive State fund, or by self-insurance. Rhode Island makes no provision for the substitution o f a private plan and, therefore, does not a ffect the q u alification requirements o f private plans in that State. A detailed summary o f these plans appears as appendix A in the Bureau's companion report, Digest o f One Hundred Selected Health and Insurance Plans Under C o lle c tiv e Bargaining, Winter 1961—62 (BLS Bulletin 1330, 1962). I 2 p riva te plan e lig ib ilit y re q u ire m e n ts . T h ese paym ents m ay be p r o vided under the p riv a te plan through m o d ific a tio n o f its e lig ib ilit y ru les o r fr o m the State plan u n til the w o rk e r b eco m es e lig ib le under the p riva te plan. In addition, som e plans m ay not appear to com p ly with statutory req u irem en ts as re g a rd s e lig ib ilit y re q u ire m e n ts ; in these cases, h o w ever, they need not do so inasm uch as the p riv a te plan ben efits a re in addition to those p r e s c r ib e d by the State law . Im m e d ia te ly o r f i r s t o f fo llg w in g m onth. T h is te rm is used to indicate the e lig ib ilit y req u irem en ts under w hich an em p lo yee b e com es e lig ib le to p a rtic ip a te in the p ro g ra m not la te r than the fir s t o f the month fo llo w in g date o f em ploym en t. L ife Insurance In addition to the b a sic life insurance p ro vid ed a ll em p lo yees c o v e re d b^ the plan, e x tra amounts a re m ade a va ila b le under som e plans e ith e r on a con trib u tory b a sis o r e n tir e ly at the e m p lo y e e 's e x pense. The a v a ila b ility and amounts o f this su pplem entary insurance are shown in the "o p tio n a l life in su ra n ce" colum n and the ch arge to the em p loyee is shown in the "fin a n c in g " Column. A d d ition al p r o te c tion m ay also be p ro v id e d by death b en efit p ro v is io n s o f pension plans, which a re not d e s c rib e d in this re p o rt. A ccid en ta l Death and D ism em b erm en t Death and d ism em b erm en t b e n e fits . Under an a ccid en tal death and d ism em b erm en t p ro v is io n , death b en efits are payable in addition to any life! insurance b en efits w hich o th e rw is e m ay be p ro vid ed under the p ro g ra m . M u ltid ism em b erm en t ben efits a re g e n e ra lly payable upon the lo ss of two o r m o re m e m b e rs . The b en efit amount shown in this column is the a ccid en ta l death and m u ltid ism em b erm en t b en efit. The amount payable in even t o f sin g le d ism em b erm en t, e. g. , the lo s s o f one hand, one foot, o r the sight o f one e y e, is o n e-h a lf the death and m u ltid ism em b erm en t amount u nless o th e rw is e s p e c ifie d in a footn ote. A ccid en t and Sickness In this re p o rt, acciden t and sickn ess insurance b en efits a re lim ite d to the type o f insurance under which p re d e te rm in e d w eek ly cash payrAents a re m ade to c o v e r e d e m p lo y ees during p erio d s o f te m p o ra ry d is a b ility . P a id sic k le a v e plans a re shown in sep arate c o l umns. In som e ca s e s , e m p lo y e e s a re c o v e r e d by both acciden t and sickness insurance and paid sick le a v e p ro g ra m s . L im ita tio n on ihe duration o f b en efits upon m a te rn ity d is a b ilitie s , and the n on a va ila b ility o f these b en efits fo r m a te rn ity d is a b ilitie s , ai'e noted in footn otes. Sick L e a v e The sick le a v e p ro g ra m s d e s c rib e d in the d ig e s t a re fo r m a l plans that p ro v id e fu ll pay, p a r tia l pay, o r a com bination of fu ll and p a rtia l pay fo r sp e c ifie d p eriod s to e m p lo y e e s who a re te m p o r a r ily d isab led . "W eek s o f fu ll p a y" p re c e d e s "w e e k s o f le s s than fu ll pay, " excep t w h ere oth erw ise noted. The du ration o f th ese b en efit p e rio d s , which u su ally depend upon the e m p lo y e e ’ s length o f s e r v ic e , is shown in the ap p rop riate colum ns. The w a itin g p e rio d b e fo r e b en efits a re payable under som e p ro g ra m s is shown in fo o tn o tes. In fo rm a l sick le a v e allow an ces d eterm in ed on an in d ivid u a l b a sis a re not d e s c rib e d . H o s p ita l B en efits E xcep t w h ere noted, these b e n efits a re alw ays p ro v id e d on a "p e r d is a b ility b a s is . " A llow a n ces fo r h o s p ita l c a re a re g e n e r a lly p ro v id e d on an "up to " b a sis. T h is m ean s that the patient w ill be re im b u rs e d fo r ch arges up to the allow an ce shown in the d ig e s t. In som e plans, h ow ever, the s p e c ifie d allow a n ce is paid ir r e s p e c t iv e o f the ch a rge fo r the accom m odations u sed o r s e r v ic e s p ro v id e d . If the la tte r type of b en efit is p rovid ed , it is so noted in a footn ote. S im ila r qu alification s apply to the s u r g ic a l and m e d ic a l c a re allow a n ces and a re noted a c c o rd in g ly . D a ily ben efit o r s e r v ic e . I f the plan p ro v id e s fo r e ith e r "w a rd o r s e m ip r iv a te " accom m odations, on ly " s e m ip r iv a t e " is en te re d as the b e n e fit a va ila b le. F o r this d igest, s e m ip r iv a te accom m od ation s a re ro o m s h avin g at le a s t two beds and not m o r e than s ix b ed s. In those ca ses w h ere the plan indicates that s e m ip r iv a te accom m od ation s a re p ro v id e d but lim its the allow ance to a s p e c ifie d cash amount, on ly the cash amount is noted. G en era lly , w h e re s e m ip r iv a te ro o m a c c o m m odations a re p rovid ed , the plan a lso s p e c ifie s an allow a n ce tow a rd the co st o f a p riv a te room . T h is p r o v is io n is not noted in the plan su m m a ries. A n c illa r y s e r v ic e s . Include cash a llo w a n ces o r s e r v ic e s p r o vid ed in addition to d a ily room and b o a rd b e n e fits . If the plan pays fo r the fu ll cost o f a ll o f the s e r v ic e s re q u ire d , " fu ll c o s t o f s e r v ic e s " is en tered in the column. If the plan pays fo r fu ll c o s t o f s p e c ifie d s e r v ic e s o r fu ll cost o f c e rta in s e r v ic e s and p a r tia l c o s t o f oth er s p e c ifie d s e r v ic e s , "fu ll c o st o f s p e c ifie d s e r v ic e s " is en tered . A lis tin g o f the s e r v ic e s c o v e re d often runs to c o n s id e ra b le length and, th e r e fo r e , is not reprodu ced in th ese s u m m a rie s . Th e a n c illa r y s e r v ic e b en efits, excep t w h ere noted, ar^e p ayab le only du ring the fu ll b e n e fit pqriod. S e rv ic e s p ro vid ed m ay v a r y c o n s id e ra b ly am ong plans, but u su ally include the use o f o p era tin g ro o m and equipm ent, g e n e ra l nu rsing c a re , la b o ra to ry exam inations con sisten t w ith the d ia gn osis fo r w hich h o sp ita lized , drugs and m e d ic a tio n s fo r use in h o sp ita l, the a d m in istra tio n o f an esth etics, and X - r a y exam in ation s con sisten t w ith d iagn osis and treatm en t of condition fo r w h ich h o s p ita liz e d . 3 E m e rg e n c y ou t-p atien t c a re ben efit o r s e r v ic e . R e fe r s to the s e r v ic e o r cash b e n e fit p rovid ed in the ou t-patient departm ent o f a h o sp ita l. T o r e c e iv e this ben efit, treatm en t u su ally m ust be obtained w ithin a s p e c ifie d num ber of hours a fte r the cause o f the e m e rg e n c y o c c u rs . H o s p ita l con fin em en t is not req u ired . If s e r v ic e s n e c e s s a ry fo r tre a tm e n t a re p ro v id e d with no cost lim ita tion , "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 re d in this colum n; if th ere is a cost lim ita tio n on the amount o f s e r v ic e s p rovid ed , this is noted. M a te rn ity P r o v is io n s H o s p ita l and s u rg ic a l ca re benefits a re d e s c rib e d in the ap p ro p ria te sectio n s and a re those a va ila b le fo r n o rm a l d e liv e r y oa ses. U su a lly, h ig h e r allow a n ces o r b en efits are p ro v id e d in ca ses w h ere o b s te tr ic a l co m p lic a tio n s a r is e ; these benefits a re not d e s c rib e d in this r e p o r t. S u rg ica l and M e d ic a l L ik e h o s p ita l allow an ces, allow ances shown in the d ig est fo r s u rg ic a l and m e d ic a l c a re are the m axim um amounts p ro vid ed , I f the allow an ce is payab le ir r e s p e c tiv e of the su rgeon 1s o r p h ysicia n ’ s ch a rg e, this is noted in a footnote. S u rgical b en efits a re p ro vid ed in the h o sp ita l, h om e, o ffic e , and elsew h ere u nless o th e rw is e noted. In com e lim its fo r s e r v ic e s u rg ic a l and, m e d ic a l b e n e fits . The annual in com e under this p ro visio n , unless o th erw ise indicated, is the m axim u m to ta l in com e o f a ll p erson s c o vered . Single individu als and fa m ilie s w ith in com es b elow these lim its are en titled to s e r v ic e b en e fit s ; i . e . , c o o p e ra tin g d octors have a greed to accept the plan a llo w ances as fu ll paym ent of th eir fe e s . If th eir incom e exceed s these lim its , o r if they use noncooperating doctors, the allow an ces shown in the adjacen t colum ns are payable. T h e s e b en efits a re usu ally payable only a fte r the em ployee has paid the "d e d u c tib le " and his share o f the coin su ran ce. In sup p lem en ta l plans, the deductible is alw ays an amount in excess of b asic plan b en efits. C o m p reh en sive plans also u su ally re q u ire the w o rk e r to pay a d edu ctible b e fo re r e c e iv in g any b en efits, but under som e plans c e r tain h ospital, su rg ic a l, and/or m e d ic a l b en efits a re p rovid ed on a " f i r s t d o lla r " b a sis, i . e . , the dedu ctible and coin su ran ce p rovision s do not apply u ntil s p e c ifie d b en efits have been re c e iv e d . A fte r these b en efits a re re c e iv e d , the em p lo yee m ust pay the deductible and his sh are o f the coin su ran ce. The b en efits payable without deductibles o r coin su ran ce a re shown in the h osp ital, s u rg ic a l, and m e d ic a l sections p reced in g each sum m ary, w ith an exp lan atory heading. M axim um life tim e b e n e fits . The m axim u m benefits per l i f e tim e fo r a c tiv e e m p lo y ees and th e ir dependents is not applicable a fter the em p lo y e e r e t ir e s ; a new m axim u m life tim e b en efit applies to ben e fits r e c e iv e d a fte r re tire m e n t. O th e r B en efits T h is section includes b en efits p ro vid ed under the plan that a re not d e s c rib e d e ls e w h e re in the d ig e s t. O u t-o f-h o sp ita l allow ances fo r an esth etics, X - r a y , e le c tr o c a r d io g r a m s , e tc. , w h ere provided, a re included in this section . W here such b en efits a re p rovid ed only during h o sp ita l confinem ent, they a re not shown h ere because they a re con p id ered p a rt o f the "e x tr a allow an ce o r s e r v ic e s " in the h o s p ita liza tio n section . As in the h osp ital, s u rg ic a l, and m ed ica l sections o f this re p o rt, excep t w h ere noted, the allow an ce shown is the m a x i mum payable fo r a s p e c ifie d s e r v ic e . B e n e fit C o v e ra g e During R e tire m e n t P e r io d M e d ic a l c a re a llo w a n c e s . G en era lly, these ben efits are not payable fo r tre a tm e n t r e c e iv e d in connection w ith o r fo llo w in g an op*r e ra tio n . H o w e v e r , under som e plans p rovidin g fo r in -h o sp ita l m e d ic a l b en e fits , the m axim u m amount of m e d ic a l b en efits payable is d e t e r m in ed a c c o rd in g to a s p e c ifie d fo rm u la if an o p era tio n is p e rfo rm e d during the p e rio d . W h ere such a fo rm u la is included in the plaui, the d eta ils a re set fo rth in a footnote. M a jo r M e d ic a l B e n e fits M a jo r m e d ic a l ben efits a re provid ed e ith e r (1) in addition to the b en efits p ro v id e d under the b asic hospital, s u rg ic a l, and m e d ic a l section s o f a health and insurance prograun (supplem ental m a jo r m e d ic a l p lan s), o r (2) in stead o f b asic hospital, s u rg ic a l, and m e d ic a l b en efits (c o m p re h e n s iv e m a jo r m e d ic a l plans). B en efits m ade a v a ila b le to r e tir e d em p lo yees and th eir d e pendents under the p ro g ra m a re c o v e r e d in the approp riate sections o f the d ig e s t. B en efits paid fo r e n tir e ly by the em p lo yee are included only if a v a ila b le on a grou p-rate b a s is . C o v e ra g e a va ila b le to re tir e d w o rk e rs and/or th eir dependents through c o n v e rs io n to individual p r e m ium ra te p o lic ie s a re not included in this r e p o rt. Although not d iscu ssed h e re , under m o st plans the em p lo yee m ust m eet sp ecified age and s e r v ic e req u irem en ts o r be r e t ir e d under the com pany’ s r e tire m e n t p ro g ra m to be e lig ib le fo r plan b e n efits. F inancing Am ounts o f con trib u tion . In form a tion is p rovid ed only to the extent that d eta ils are a v a ila b le in the lite ra tu re d escrib in g the plan. 4 Selected Health and Insurance Company Aluminum Company of A m e r ic a Eligibility (when new employees become eligible) Scope of accidental death and dismemberment Schedule of benefits B asis of graduation O ptional life in s u r ance: F la t. A ft e r 90 days of Annual sa la ry : em p lo y L e s s than $2,000 ment. $2, 000 to $3,000 $3, 000 to $4,000 L o n g -te rm $4,000 to $5,000 d isa b ility : $5, 000 to $6,000 A ft e r 3 $6, 000 to $7,000 y e a r s of $7, 000 to $8,000 e m p lo y $8,000 to $9,000 ment. $9, 000 to $10,000 $10, 000 to $ 12, 000 Other $12, 000 to $15, 000 b en efits: $15, 000 to $20, 000 Im m e $20, 000 to $25,000 d ia tely o r $25, 000 to $30, 000 1st of f o l $30, 000 and o v e r low ing month. Life insurance Optional life insurance Accidental death and dism em berment Accident and sickness Occupa tional Nonoccupational Scope of accident and sickness Occupa tional Nonoccupational Accident and sickness Maximum duration Day benefit begins Accident Sickness E m p loyee $5, 000 — — $2,000 3, 000 4, 000 6, 000 8, 000 10,000 13,000 16,000 20,000 35,000 50,000 65,000 80,000 100,000 120,000 — 26 w eeks 2 p e r d is a b ility . 22d. $2,000 3, 000 4, 000 6, 000 8, 000 10,000 13,000 16,000 20,000 20,000 20,000 20,000 20,000 20,000 20,000 W eekly sa la ry : Up to $102. $109. $117. $124. $132. $139. $ 152. $102. 50 ------50 to $109. 50 50 to $117. 50 50 to $124. 50 50 to $132. 50 50 to $139. 50 50 to $152. 50 50 and o v e r - $53 56 59 62 64 66 68 45 percen t o f s a la ry to a m a x i mum of $ 200 per w e e k .1 L o n g-term d isa b ility M onthly sa la ry ■ 40 percen t of s a la ry to a m a x i mum of $ 1, 0 00 per month T o age 65. F o llo w in g 6 months o f 'tota l d is a b ility . R e tir e d em ployee B a sic insurance redu ced to $3, 500 at age 65, and $300 annually th e re a fte r until insurance in e ffe c t equals $2, 000 at age 70. O ptional insurance is redu ced 10 percen t at age 65 and 10 p ercen t annually th e re a fte r until 50 p e r cent of amount o f insurance in e ffe c t at age 65 is reached. ___________________ I ________ I _ _________ 1 A ccid en t and sickness ben efits p rovid ed to em p loyees in N ew Y o rk and New J e r s e y only. pensation b en efit and the above amounts. 2 M a tern ity accident and sickness ben efit paym ent lim ite d to 6 w eeks. The occupational w eek ly accident and sickness benefit is the d iffe re n c e betw een the w ork m e n 's com 5 Plans for Salaried Employees Hospital benefits Sick leave Days b enefit per rear At At full half pay __ Pay___ Y e a rs of service Daily benefit or service Maximum duration (days) Extended coverage Days Daily amount A ncillary services Maternity benefit Surgical benefits M ostexpensive Appen dectomy Norm al delivery $300 $200 $100 Em ployee and dependents E m ployee W eeks 1 1 1 I Im m ed ia tely a fter V4 V4 to 1 1 to 3 3 to 5 5 to 7 7 to 10 10 to 15 15 to 25 25 and o v e r. Em ergency out-patient care o r service Income limits for service surgical and m edical benefits I 1 2 4 6 8 11 13 17 21 26 ( 3) S em ip riva te room . 120 F u ll cost of S em ip riva te sp e cified a n c il room fo r 120 la r y s e r v ic e s . days plus fu ll cost o f sp e cified a n c illa ry s e r v ic e s . R eq u ired s e r v ices provid ed. 1 1 1 I I R e tire d em ployee and dependent 4 Same as above. Same as a b o ve. Same as above. Same as above. 3 E m p loy ees c o v e re d by accident and sickness insurance re c e iv e d iffe re n c e betw een fu ll sa la ry and amount provid ed by accident and sickness insu rance. 4 H o sp ita l and s u rg ic a l ben efit expenses lim ite d to a life tim e m axim um of $2, 500 fo r r e tir e e and $2, 500 fo r r e t ir e e 's w ife. $200 $133 6 Selected Health and Insurance Plans M edical allowances Other benefits Company Home Aluminum Company of A m e ric a Office Hospital Elsew here Maximum number of visits paid for ^Maximum number of days paid for Maximum compensation Benefits begin Types and amounts Sickness Accident E m ployee and dependents A n e sth es ia a llow a n ce: If s u rg ica l allow a n ce is $7 5 o r le s s , $15; if s u rg ic a l allow a n ce is o v e r $75, 20 p ercen t o f su rg ica l allow a n ce. R a d ia tion th e ra p y a llow a n ce: (F o r ca s e s in o r out o f h osp ita l), $7. 50 p e r trea tm e n t— up to m axim um of schedule p e r d is a b ility . D ia gn ostic X - r a y a llow a n ce: during any 12-m onth p erio d . $75 D ia gn ostic exam in ation s: E le c t r o en ceph a logra m , $25; e le c t r o c a rd io g ra m , $15; ba sa l m e ta b o lis m , $10. R e tir e d em ployee and dependent for Salaried Employees— Continued Maj or m edical T y p e of expense subject to deductible Deductible amount Accumulation period and its application Benefit period From incurrence From start of expenses in excess of of disability deductible Financing Coinsurance Maximum benefit Rein s tatement E m ployee and dependents $100 Calendar year; a ll d isa b ilities . C alen dar ye ar; a ll d is a b ilitie s . 80 percen t. ca len dar y e a r; $20, 000 p er life t im e . Employee Company ---------- !-------------E vid ence of in su ra b ility. B a sic life insurance JFull cost. Optional life insurance $0. 60 per $1,000 per month. Balance of cost. A c cid e n ta l death and dism em b erm ent $0. 10 p er $1, 000 p er month. Balance of cost. O ther ben efits F u ll cost. R e tir e d em ployee and dependent 8 Selected Health and Insurance Company E lig ib ility (when new em p loyees becom e e lig ib le ) Scope o f accidental death and dism em b erm ent Schedule of ben efits B asis o f graduation L ife insurance Optional life insurance A ccid en ta l death and d ism em berm ent A cciden t and sickness Occupa tional Nonoccupational Scope o f accident and sickness Occupa tional N onoccupational A ccid e n t and sickness M axim u m duration Day ben efit begins A ccid e n t E m ployee A m erica n A ir lin e s Sick Monthly sa la ry: lea ve: L e s s than $ 250 A fte r 6 months of $ 250 to $ 300 em p lo y $ 300 to $400 m ent. $400 to $500 $ 500 to $ 600 Other $600 to $700 $700 to $800 ben efits: Im m e d i $800 to $ 1000 $ 1, 000 to $2, 500 a tely, o r 1st of $ 2, 500 and o v e r fo llow in g month. $4, 000 5, 000 7, 500 10,000 12, 500 15,000 20,000 25,000 35,000 50,000 $2, 000 2, 500 3, 750 5, 000 6, 250 7, 500 10,000 12, 500 17,500 25,000 $ 3, 000 3, 000 4, 000 5, 000 6, 000 8, 000 8, 000 10,000 10,000 10,000 $ 35 40 40 50 50 50 50 50 50 50 X X R e tir e d em ployee R e tir in g at age 55 (age 50 fo r p ilo t perso n n el) with 10 years of s e r v ic e :7 Amount of b asic life insurance in e ffe c t im m ed ia tely p r io r to re tir e m e n t redu ced 20 percen t and 20 p ercen t annually th e re a fte r until amount in e ffe c t equals the g r e a te r o f 20 p ercen t of amount in e ffe c t im m ed ia tely p r io r to re tir e m e n t and $2, 00 0 .8 1 2 3 4 5 Same as basis of graduation. B en efit not p rovid ed fo r m a tern ity ca ses. E x p ira tio n o f paid sick lea ve, if la te r. B en efit p rovid ed as part o f com p reh en sive m a jo r m e d ic a l p ro g ra m ; total h osp ita l and m a jo r m e d ica l ben efits lim ited to $ 10, 000 p er life tim e . A fte r sa tisfa ctio n o f calen dar y e a r deductible. See m a jo r m e d ic a l section . Duration not s p e c ifie d ; plan pays fu ll cost o f a ll h osp ita l expenses not in ex cess o f $gp00. 26 w e e k s 1 p er d is a b ility . 8th. 2 5 4 3 Sickness 9 Plans for Salaried Employees, Sick leave Y e a rs of service Hospital benefits Days b enefit per rear At At full half pay___ pay___ Daily benefit or service Maximum duration (days) Extended coverage Days Daily amount A n cillary services Maternity benefit Income limits for service surgical and m edical benefits Em ergency out-patient care or service M o stexpensive Appen dectomy Norm al delivery Employee and dependents 3 Employee | Weeks V2 to 1 1 to 2 2 to 3 3 to 4 4 to 5 5 to 6 6 and over Surgical benefits 1 2 4 6 8 10 12 Semiprivate room plus up to $ 4 towards cost of private room. (5) Difference between actual room and board charges and $500. See (6 7 ) 1 m ajor m edical berle fits. (6) (4) Retired employee and dependent (8) 6 7 8 he and (8) (8) (8) (8) (8) Lu m p-su m norm al delivery maternity benefit of $200 in lieu of regular hospital and m ajor m edical benefits. Em ployees with 10 ye a rs of service who are disabled and qualify for a disability pension under the social security act are also eligible for benefit. R etired employees may apply 50 percent of the ultimate minimum retired group life insurance benefit toward payment of m edical expenses covered under the m ajor medical benefit which his dependent had p rior to his retirem ent; when such benefits are paid a corresponding reduction is made in the amount of the retired em ployee's life insurance. 10 Selected Health and Insurance Plans M edical allowances Other benefits Company Home Office Hospital Maximum number of visits paid for Elsew here Maximum number of days paid for Benefits begin Maximum compehsation Types and amounts Sickness Accident •Employee and dependents Am erican A irlin es, Inc. i r r See majci t m edical b<enefits. Retired employee and dependent (8) 9 Also see hospital section. 1 Deductible in hospital is $50. 0 (8) (8) (8) (8) (8) Total deductible, including hospital charges, shall not exceed $100. (8) (8) (8) 11 for Salaried Employees-—Continued M ajor m edical Type of expense subject to deductible Deductible amount Accumulation period and its application Financing Benefit period F rom incurrence of expenses in From start excess of of disability deductible Coinsurance Maximum benefit Reinstatement Employee Company Employee and dependents ^ $ 100 ( i°) 90 consecutive days per calendar year plus 3-month c a rry o v e r; all disabilities. Calendar year; a ll disabilities. 80 percent. $ 10, 000 for lifetim e. After use of $1,000 of expenses; upon evidence of insurability. Monthly contribution 1 1 Monthlv earnings Individual L e ss than $250 $1.88 2.28 $ 250 to $300 $-300 to $400 j 3.20 4.20 $400 to $500 $500 to $600 5.10 $600 to $700 6.00 7.66 j $ 700 to $800 1 $800 to $1,000 9.48 $ 1, 000 to $2,500 12.82 $2,500 and over 17.68 Retired employee and dependent8 Same as above. Same as above. Same as above. Same as above. Same as above. (8) Fam ily $6.18 7.42 10.06 12.80 15.40 16.34 17.96 19.78 23.12 27.98 ----------------------- , ---------------------- ‘ (8) Life insurance $2 per month per $ 1, 000 of minimum continued. 11 Monthly contribution for a ll employees except those based in C aliforn ia. Contribution amounts shown include the em ployee's cost of optioned life insurance. Balance of cost. 12 Selected Health and Insurance Am erican Telephone and Telegraph Co. P aid sick leave: Z months. Other benefits: A fter 6 months of employ ment. Scope of accidental death and di smembe rment Schedule of benefits B asis of graduation Life insurance Optional life insurance Accidental death and dism em berment Accident and sickness Occupa tional Nonoccupational Employee Annual basic pay: $3,000 L e ss than $3,000 4, 000 $3,000 to $4,000 5, 000 $4,000 to $5,000 6,000 $5,000 to $6,000 7.000 $6,000 to $7,000 8.000 $7,000 to $8,000 9,000 $8,000 to $9,000 10,000 $9,000 to $10,000 and up in increme nts of $1,000 1, 000 1 1 1II II 11 Company Eligibility (when new employees become eligible) $3,000 4.000 5, 000 6, 000 7.000 8.000 9,000 10,000 X X 1, 000 Retired employee If continuously insured since age 45: Amount in effect im m ediately p rio r to retirem ent m ain tained for 1 year, then reduced 10 p e r cent of the initial amount annually for 5 y e a rs ; minimum, $1,500. Same as basis of gradua tion. Hospital and surgical benefits are those available to the largest group of employees Scope of accident and sickness Occupa tional Nonoccupational Accident and sickness Maximum duration Day benefit begins Accident Sickness 13 Plans for Salaried Employees Hospital benefits Sick leave Days b enefit per rear Y ears At At of half full service pay - Pay___ Em ployee Sickness anc nonoecu pational acciden disabilil ies Weeks L e ss than 1 1 to 2 2 to 5 5 to 10 10 to 15 15 to 20 20 to 25 25 and over Maximum duration (days) Days Daily amount An cillary services Maternity benefit Em ergency out-patient care or service Income limits for service surgical and m edical benefits Surgical benefits M o stexpensive Appen dectomy Norm al delivery $250 $ 125 $75 Employee and dependents 1 Semiprivate room . 21 180 Weeks 9 9 13 39 26 13 D aily benefit or service Extended coverage 50 p e r cent of cost of sem i private. 1 1 5 14 14 27 40 53 F ull cost of specified services for 1st 21 days; 50 percent of cost for addi tional 180 days. $80 for room, board, and ancillary services. $7.25 Individual, $2, 500; fam ily, $4, 000. Occupati onal acci dent dis abilities Total disabilities Weeks Weeks In e x cess of 13. P a rtia l disabilities: L e ss them 15 15 to 20 20 to 25 25 and over 13 299 286 27 3 260 13 26 39 52 Retired employee and dependent Same as above. Same as above. Same as above. Same as above. Same as above. Same as above. Same as above. Same as above. Same as above. 14 Selected Health and Insurance Plans Medical allowances Other benefits Company Home A m erica n Telephon e and T ele gra p h Co. Office Hospital Elsew here Maximum number of visits paid for Maximum number of days paid for Maximum compensation E m p loy ee and dependents Retired employee and dependent $2,500 for dependents over age 65. Em ployees pay full cost of basic hospital and surgical benefits which a re made available by company, Benefits begin Types and amounts Sickness Accident 15 for Salaried Employees— Continued M ajor m edical Type of expense subject to deductible Deductible amount Accumulation period and its application Benefit; period F ro m incurrence of expenses in From start excess of o f disability deductible Financing Coinsurance Maximum benefit Reinstatement Employee Company Employee and dependents A ll. 4 percent of annual pay: Minimum, $ 100; m a xi mum, $500. 12 months; all disabilities. 12 months; a1 1 disabilities. 80 percent. $ 15,000 t lifetim e. ‘ Exception: O u t-of hospital psychiatric care, 50 percent. After $ 1, 000 of expenses; upon evidence of insurability. Life insurance and accidental death and dismemberment 50 cents per month per $ 1, 000 for amount in excess of $ 2,000. Balance of cost. M ajor m edical (3) R etired employee ahd dependent Same as above. Same as a b o v e .4 Same as above. _ Same as above. Same as above. Deductible based on the annual retirement benefit without social security adjustment. R etired employees pay full cost of basic hospital and su rgical benefits. $ 2,500 per lifetim e. F u ll cost. (5) 16 Selected Health and Insurance Company Eligibility (when new employees become eligible) Scope of accidental death and dismemberment Schedule of benefits Basis of graduation Life insurance Optional life insurance Accidental death and dism em berment A cciden t and sickness Occupa tional Nonoccupational Occupa tional Nonoccupational Accident and sickness Maximum duration Day benefit begins Accident Sickness E m ployee The Borden Co. A ft e r 6 months of em p lo y ment. Annual earn in gs. IV 2 tim es annual earn in gs. 100 tim es 23 of / w eek ly earnings: M inim um , $ 2, 000; m axim um , $ 6,700. 23 of / w eek ly earnings: M inim um , $ 20; m a x im u m ^ 67. X R e tire d em ployee R e tir in g at age 65 o r Same as o v e r with 15 y e a rs of b asis of graduation. s e r v ic e and insured fo r le s s than 10 y e a r s , $500; insu red fo r 10 or m o re y e a r s , IV 2 tim es a v e ra g e com pensation paid in la st 5 y e a rs m aintained fo r 1 y e a r , then reduced 25 p e r cent annually fo r each o f the next 3 y e a rs . M inim u m , the g r e a te r of: (1) 37. 5 p ercen t of a v e ra g e com pensation paid in la st 5 ye a rs im m e d ia te ly p r io r to re tir e m e n t and (2) $500. 1 M a tern ity a ccident and sickness b en efit paym ents lim ite d to 6 w eeks. 2 H ospital ben efits payable fo r a ll expenses in ex cess o f $25. Scope of accident and sickness X 26 w eeks 1 p er 2 d is a b ility . 8th. 8th. 17 Plans for Salaried Employees Hospital benefits Sick leave Y e a rs of service Days b enefit oer rear At At full half pay pay D aily benefit or service Maximum duration (day«) Extended coverage Days Daily amount An cillary services Maternity benefit Em ergency out-patient care or service Income limits for service surgical and m edical benefits Surgical benefits M o stexpensive Appen dectomy Employee and dependents Employee S em iprivate. 2 70 $300 plus $ 100 for room, 75 percent of board, and an the next $700; cillary services. combined maximum. $8 25.2 $300 $150 Retired employee and dependent 3 Same as above. (4) 3 A va ila ble only to employees retiring with 20 or m ore years of service. 4 M axim um room and board benefit limited to $ 1,050. Norm al delivery Same as above. 2 Same as above. Same as above. $75 18 Selected Health and Insurance Plans M edical allowances Other benefits Company Home The Borden Cp. Office Hospital E lsew here Maximum number of visits paid for Maximum member of days paid for Maximum compensation Benefits begin Types and amounts Sickness Accident Em ployee and dependents X -r a y expense allow ances:5 (Opt of hospital only) $ 50. X -r a y radium therapy allowance: $150 during any 12-consecutive month period but not to exceed $7. 50 fo r any one treatment. Shock therapy allowance: $200 during any 12-consecutive month period, but not m ore than $15 p e r treatment. Retired employee and dependent Employee must pay first $25. 19 for Salaried Employees— Continued M ajor m edical Type of expense subject to deductible Deductible amount Accumulation period and its application Benefit period F ro m incurrence From start of expenses in of disability excess of deductible Financing Coinsurance Maximum benefit Rein s tateme nt Employee Company Employee and dependents A ll. 4 percent of annlual earnings: Minimum, $ 175; m axim u m , $400. 6 months pe r disability. 2 years. 75 percent. $ 5, 000 per disability. A fter complete r e covery from illn ess o r ihjury causing the disability. i1---------------------------- -----------------L ife ins urance 9 percent of monthly /io earnings. Balance of cost, Other b enefits Vz percent of earnings to a maximum of $0. 50 pe r week, or $2. 17 pe r month. Balance of cost. Retired employee and dependent F u ll cost. 20 Selected Health and Insurance Company Burlington In du stries, Inc. Eligibility (when new employees become eligible) Scope of accidental death and di 8membe rment Schedule of benefits B asis of graduation A ft e r 2 months o f e m p lo y F la t. ment. Annual sa la ry : Life insurance Optional life insurance Accidental death and dism em berment Accident and sickness Occupa tional Nonoccupational Scope of accident and sickness Nonoccupational Occupa tional Accident and sickness Maximum duration Day benefit begins Accident Sickness Em ployee 1 $1, 000 $2, 500 5, 000 7, 500 10, 000 15, 000 22, 500 30, 000 39,500 L e s s than $3, 600 $3, 600 to $4, 800 $4, 800 to $6, 000 $6, 000 to $7, 200 $7, 200 to $10, 000 $10, 000 to $15, 000 $15, 000 to $20, 000 $20,000 and o v e r Spouse $1, 000 F la t. C h ildren A ttain ed age: 14 days to 6 months 6 months to 2 ye a rs 2 to 3 y e a rs 3 to 4 y e a r s 4 to 5 y e a rs 5 to 19 y e a rs $ 100 200 400 600 800 1, 000 R e tir e d em ployee F la t. $1, 000 — — — — — — — — 1 Cam pbell Soup Co. A cciden t and s ic k n ess b en e fit s : Im m e d ia te ly o r 1st of fo llo w in g month. P a id sick le a v e : A ft e r 3 months o f e m p lo y ment. Em ployee W eekly ea rn in gs. Up to $ 50. Annual ea rn in gs: ( 3) X X ( 5) 26 w eeks 6 p er d is a b ility . 8th. 6 8th. 6 ( 7) L e s s than $4, 500 $4, 000 $4, 500 to $5, 500 5, 000 etc. in in crem en t s of— $1, 000 to $20, 500 and o v e r 1,000 to 40, 000 Job c la s s ific a tio n : -A ll re g u la r sa la rie d en lp lo y e e s ---- - O ther ben E m p loy ees on g e n era l m onthly efits : s ^ ls r ic d p a y r o ll ————— ——— E m p loy ees earn in g in e x cess of A ft e r 50 1 ? days of e m p lo y m ent. $5,000 SO 000 7 nnn cl ( 4) R e tir e d em ployee F la t. $500 — — — — — — — — — 1 $1,000 in N ew Y o rk ; $500 in southern lo ca tio n s. F o r em p loyee and dependents o v e r age 65, b en efits lim ite d to 31 days p er y e a r , $100 p er y e a r fo r a n c illa r y s e r v ic e s , and $70 p er y e a r fo r e m e rg e n c y out-patien t c a r e . 4 Amount o f optional insurance is eith er 50, 100, 150, o r 200 p ercen t o f b asic life insurance, except that the tota l amount of life insurance, basic plus option al, cannot ex ceed $200, 000. If an em p loy ee is to ta lly disa b led fo r o v e r 52 w eeks, the fu ll death ben efit, le s s b en efits re c e iv e d fo r dism em b erm ent o r lo ss of sight w ill be paid. — 21 Plans for Salaried Employees Hospital benefits Sick leave . t r Daily benefit or service Maximum duration (days) Extended coverage Days 1 & < Y e a rs of service Days b enefit rear per > At full pay___ Daily amount An cillary services 90 Em ergency out-patient care o r service Surgical benefits M ostexpensive Appen dectomy Norm al delivery E m ployee and dependents E m p loyee 2 Maternity benefit Income lim its for service surgical and m edical benefits 90 $ 12 p er day. 31 per d isa b ility . 2 $100 p er d isa b ility . 2 Room and b o a rd , $70 p er $ 12 p er day fo r d isa b ility . 2 10 days. $200 $100 — — $300 $150 $50 A n c illa r y s e r v ices , $50. R e tir e d em p loyee and dependent — — — — — (5 8) 7 6 — — — — E m ployee and dependents E m p loyee ( 8) S em ip riva te ro o m . 120 F u ll cost of sp e cified s e r v ic e s . R eq u ired s e r v S em ip riva te room fo r 6 days, ic e s provid ed . plus fu ll cost o f sp e cified a n c il la ry s e r v ic e s . $90 R e tire d em p loyee and dependent — 5 6 7 8 — — — — — — — W eek ly b en efits a re d eterm in ed fr o m a schedule o f a verage w eek ly w ages, w ith a m inim um o f $10 and a m axim um o f $50. N ot payable fo r w eek s in w hich em ployee r e c e iv e s paid sick le a v e . M a te rn ity a ccident and sick ness benefit paym ents lim ited to 8 w eeks. A paid sick le a v e ben efit o f 2 w eeks at fu ll pay is provided a fte r 3 m onths' s e r v ic e , in crea sin g to 30 w eeks at fu ll pay a fter 15 y e a r s o f s e r v ic e . — — — 22 Selected Health and Insurance Plans M edical allowances Other benefits Company Home Office Hospital Elsew here Maximum number of visits paid for Maximum number of days paid for Maximum compensation Benefits begin Types and amounts Sickness Accident Employee and dependents Burlington Industries, Inc, Retired employee and dependent — — — — — — — — — Employee and dependents Campbell Soup Co. — Retired employee and dependent ____________________ ._______ ^ ___________________________ ________ -____ , _____________________ ____________________ ____S _ ________________________________________ ______________ 1 __________________ — — — — — — — — — — 23 for Salaried Employees— Continued M a jo r m edical Type of expense subject to deductible Deductible amount Accumulation perio d and its application Financing Benefit period F ro m incurrence of Expenses in F rom start excess of of disability deductible Coinsurance Maximum benefit Reinstatement Employee Company Em ployee and dependents A ll. $100 90 consecutive days p e r disa bility. 75 percent. 2 years per disability. Employee 1 1 Basic life insurance, pilid sick leave, hospital and surgica il benefits $ 10, 000 per benefit period. 1 F u ll cost, _ Optional lif<e insurance $0. 65 per $ 1, 000 per month. 1 Balance of cost. | 1 M a jo r rnedical $ 1. 18 per month. Balance of cost, Depen dents Hospital, su rgical, and m ajor medical F u ll cost. Retired employee and dependent I L ife insurance F u ll cost. ~ Em ployee and dependents A ll. X B a sic plan 90 days. m em bers, $5C L 75 percent. Nonm em bers of ba sic plan, $500 pe r disability plus $50. $5, 000 pe r disability. i B a sic life insurance, accident and sickness, paid sick leave, and em ployees' hospital and surgical benefits Upon evidfence of insurability. Exception: M ax imum payable for norm al de liv e ry maternity cases, $ 100. _ _ Jf u II cost. Optional life insurance F u ll cost. | Accidental death and dismemberment $0. 055 p e r $l,0G0per month. - M ajor m edical Em ployee only — F a m ily --------------- Monthly contribution $1.15 3.75 — Dependent's hospital and surgical benefits $4. 70 pe r month. i |Balance oi cost. [ 1 Retired employee and dependent — — — F u ll — ii ! i__________ _________________ i 1 C O a t. 24 Selected Health and Insurance Company C a te rp illa r T r a c to r Co. E lig ib ility (when new em p loy ees becom e e lig ib le ) A ft e r 30 days of e m p lo y m ent. Scope of accidental death and di smembe rment Schedule of benefits B asis o f graduation Life insurance Optional life insurance Accidental , , death and d ism em , . berm en t . ., A cciden t , and . , sickness Occupa tional Nonoccupational Scope of accident and sickness Occupa tional Nonoccupational Accident and sickness Maximum duration Day benefit begins Accident Sickness Nonexem pt em ployee X W eekly salary: L e s s than $85 $85. 20 to $95 $95. 20 to $105 $105. 20 to $115 $ 115. 20 to $125 $125. 20 to $135 $ 135. 20 to $145 $ 145. 20 and o v e r $4, 000 4, 500 5, 000 5, 500 6 , 000 6 , 500 7, 000 7,500 $4, 000 4, 500 5, 000 5, 500 6 , 000 6 , 500 7, 000 7,500 $4, 000 4, 500 5, 000 5, 500 6 , 000 6 , 500 7, 000 7,500 X X X 26 w eeks 2 p e r d isa b ility . X X Up to age 65. 1 st. 8 th. o r 1 st. in h osp ital. $48 54 60 66 72 78 84 90 (*) Exem pt em ployee Annual sa la ry . Amount equal to 2 tim es annual sa la ry ; m axim um , $ 10 0 , 000. Am ount equal to annual s a la ry ; m axim um , $ 50, 000. 3 X X L o n g -te rm d isa b ility M onthly salary. V3 o f s a l a ry ; m a x imum , $ 1 , 389 p e r month. " R e tir e d nonexem pt em ployee R e tir in g at o r a fte r age 60 w ith 1 0 y e a rs o f s e r v ic e and insu red 5 y e a rs at tim e o f re tire m e n t. F la t. $1,500 R e tir e d exem pt em ployee R e tir in g at o r a fte r age 55 with 15 years o f s e r v ic e o r age 65 with 1 0 ye a rs o f s e r v ic e and insured 5 ye a rs im m ed ia tely p r io r to re tirem e n t. 1 2 3 4 50 p ercen t o f amount o f in su r ance in e ffe c t im m e d ia te ly p r io r to r e tir e ment. The occupational w eek ly a cciden t and sick ness ben efit is the d iffe re n c e betw een w o r k m e n 's com pensation ben efit and above amounts. M a tern ity a ccident and sick ness b en efits lim ite d to 6 w eeks. M axim u m amount payable fo r m u ltid ism em b erm en t is $ 10,000, fo r sin gle d ism em b erm en t, $5,000. B en efits p ro vid ed as pa rt o f co m p reh en s ive m a jo r m e d ica l p ro g ra m . A ft e r 6 m onths. A ft e r 6 months. 25 Plans for Salaried Employees Hospital benefits Sick leave Y e a rs of service Days b enefit per ear At At full half pav pay Daily benefit or service Maximum duration (days) Extended coverage Days Daily amount Ancillary services Maternity benefit Em ergency out-patient care o r service Income limits for service surgical and m edical benefits Surgical benefits M ostexpensive Appen dectomy Nonexem pt em ployee and dependents Nonexerrlpt em plo yee S e m ip riva te room . 365 p er disa b ility. E xem pt em p loyee R eq u ired s e r v S em ip riva te room fo r 10 days, ic e s provid ed. plus fu ll cost o f sp e cified a n c il la ry s e r v ic e s . F u ll cost of sp e cified s e r v ic e s . $250 $125 Exem pt em ployee and dependents 4 Same as 6 months. above. ( 5) Same as above. Same as re gu la r ben efits. l 1 ii 80 flercen t of charj ?es. Same as above. R e tire d nonexem pt em p loyees and dependent 6 Sam e as above. Same as above. Sam e as above. Same as above. Same as above. Same as above. Sam e as above. Same as above. R e tir e d exem pt em ploye e and dependent 7 Sam e as above. Same as above. Same as above. Same as above. 5 No duration sp e c ifie d . See m a jo r m e d ica l benefit. 6 R e tir e d at o r a fte r age 60, with 10 ye a rs o f s e r v ic e . 7 R e tir in g at o r a ft e r a ge 55 with 15 ye a rs o f s e r v ic e o r age 65 with 10 ye a rs o f s e r v ic e and in su red 5 ye a rs im m ed ia tely p r io r to re tire m e n t. Norm al delivery $75 26 Selected Health and 'nsurance Plans Medical allowances Other benefits Company Home Office Elsew here Hospital Maximum number of days paid for Maxim um number of visits paid for Types and amounts Accident Sickness Nonexem pt em p loy ee and dependents C a terp illa r T r a c to r Co. Benefits begin Maximum compensation 365 p e r d is a b ility. $3. 50 p e r day ©f con finem ent. ]r r i ii i 1 i $1,2 7 7 .5 0 Exem pt em ployee and dependents i i See i m ajor m e d ica l b en efits. 1st day. i l D ia gn ostic X - r a y and la b o ra to r y exam in ation allow an ce: (F o r nonh o s p ita liz e d ca ses ), $50 p er d is a b ility ; $100 p e r y e a r . 1st day. | i r-^ | 1 R e tir e d nonexempt em ployee and dependent R e tir e d exem pt em ployee and dependent 7 1 ! r i! ir 1 i ! 1 S ee im ajor m e d ica l ben efits. 1r i1 I ‘' 27 for Salaried Employees— Continued M a jo r m e d ica l Typ e o f expen se su bject to deductible D edu ctible amount Accu m u lation p e r io d and its application Financing B en efit p e rio d F r o m in cu rren ce o f expenses in F ro m sta rt ex cess of o f d isa b ility deductible Coinsurance M axim u m b en efit R ein sta tem en t E m p loy ee Company Nonexem pt em p loy ee and dependents B a sic life , accid en ta l death and dism em b erm ent, and a ccident and sick ness insurance W eekly s a la ry Monthly L e s s than $85 . $ 3. 20 $85. 20 to $ 9 5 ______ 3. 55 $95. 20 to $ 1 0 5 _____ 3.90 $105. 20 to $ 1 1 5 ____ 4. 25 $115. 20 to $ 1 2 5 ____ 4. 60 $125. 20 to $ 1 3 5 ____ 4. 95 $135. 20 to $ 145 ____ 5. 30 $145. 20 and o v e r — _ 5. 65 Balan ce o f cost. Optional life insurance . 60 p e r $1,000 p e r month, j Same as above. O ther b en efits F u ll cost. Exem pt em ployee and dependents N on hospital m e d ic a l expen ses. $80 C alen dar ye a r plus 3-month c a r r y o v e r ; a ll d is a b ilitie s . — C alen dar ye a r; a ll d is a b ilitie s . 80 percen t. E x cep tio n s: P s y c h ia tr ic ca re (in o r out of h osp ita l), 50 percen t. $ I rt nor ipiV| vuv p er y e a r ; $30,000 p e r life t im e . A ft e r use o f $1,000 and upon evid en ce o f in su ra b ility . L ife in su rance, a ccid en ta l death and dism em b erm ent, and lo n g -term d is a b ility insurance 1.5 p ercen t o f m onthly I'B a la n c e of cost, sa la ry . i Other ben efits F u ll cost. — R e tir e d nonexempt em p loy ee and dependent ---- -—p— -----L ife insurance ] F u ll cost. H ospita l and su rg ic a l Monthly E m p loyee o n ly ___ E m p loy ee and d ep en d en t_______ $3. 25 B alan ce o f cost. 7. 50 R e tir e d exem pt em p loy ee and dep end ent7 Sam e as above. Sam e as above. Sam e as above. Sam e as above. $$,000 p e r y e a r ; $10 , 000 p e r life t im e . i L ife insurance R e tir e d p r io r to age 65: $0. 60 p e r $1,000 p e r month. B alan ce o f cost. A t o r a fte r age 65: F u ll cost. M a jo r m e d ica l Monthly E m p loy ee o n ly _____ $1.50 E m ployee and d ep en d en t_________ 3. 65 B alan ce o f cost. 28 Selected Health and Insurance Company The Chase Manhattan Bank. E lig ib ility (when new em p loyees becom e e lig ib le ) Scope o f accidental death and di sm em be rm ent Schedule o f ben efits B a sis o f graduation L ife insurance Optional life insurance A ccid en ta l death and d ism em berm ent A cciden t and sickness A ft e r 3 months of em p lo y ment. Nonoccupational Occupa tional N on occu pational A ccid e n t and sickness M axim u m duration Day b en efit begins A ccid e n t Sickness E m ployee O ptional life in s u r E arn in gs. ance: 1st o f month fo llow in g age 25 and 1 y e a r of s e r v ic e . An amount a p p rox im a tely eq ual to annual s a . a r y . 1 ( 2) Same as basic, op tional, and supple m ental life insurance. ( 3) O ther bene fits : Im m e d ia te ly l o r 1st o f Amount o f b a sic insurance in e f fo llow in g fe c t im m ed ia tely p r io r to r e t i r e month. m ent m ain tain ed fo r l.y e a r , then reduced m onthly by an amount equal to the m onthly re tir e m e n t b en efit until amount in e ffe c t equals 12 tim es the m onthly r e tirem en t b en efit o r $ 1,000, w h ic h ev er is g r e a te r. Cluett, P eabody, and Co. , Inc. Occupa tional Scope o f accident and sickness X X ( 3) $ 1, 000 ( 3) ( 3) 13 w e e k s 4 p er d is a b ility . 1st. 8th. R e tir e d em ployee E m p loyee o th er than s u p e rv is o rs , sp e cia lists, salesm en , and execu tives F la t. ( 3) — $500 A ll em p lo y ees $22. 50 X X — X S u p e rv is o r s , s p e c ia lis ts , salesm en , and execu tives Annual earnings: L e s s than $3, 000 $3, 000 to $4, 000 $4,000 to $7,000 $7, 000 to $15, 000 $ 15, 000 and o v e r $3, 000 6, 000 10,000 17.000 20.000 Amount when c o m bined with b a sic is equal to 3 tim es annual earn in gs. $ 1,000 2, 000 3, 000 4, 000 5, 000 $22. 25. 37. 37. 37. 50 00 50 50 50 R e tir e d em ployee 1 M axim um c o vera g e o f com bined b a sic and optional in su rance is $100,000. 2 E m p loy ees earning $5, 000 o r m o re annually who have ele c te d optional insurance a re e lig ib le fo r supplem ental insurance co vera g e in an amount a p p ro x im a tely equal to annual sa la ry . 3 E m p loy ees c o vered by N ew Y o rk State T e m p o ra ry D is a b ility Law . See D ig e st o f One Hundred S elected H ealth and Insurance Plan s Under C o lle c tiv e B a rga in in g, W in ter 1961—62 (B L S 1330, 1962), fo r a deta iled su m m ary o f the ben efits p rovid ed under this law . B u lletin 29 Plans for Salaried Employees Hospital benefits Sick leave Days b enefit per rear At At full half pay pay___ Y ears of service Daily benefit or service Maximum duration (days) Extended coverage Days Daily amount A n cillary services Maternity benefit Em ergency out-patient care o r service Income limits for service surgical and m edical benefits Surgical benefits M o stexpensive Appen dectomy Norm al delivery E m ployee and dependents E m p loy ee S em ip riva te room . 21 180 50 p ercen t o f cost o f sem p riv a te room . F u ll cost of $80 fo r room , s p e cified s e r v board and a n c il ices fo r 1st 21 la ry s e r v ic e s . days; 50 p ercen t o f cost fo r a d d i tional 180 days. $7. 25 Individual, $250; fa m ily , $4, 000. $250 $ 125 $250 $ 125 $75 R etire d em ployee and dependent E m p loy ee E m ployee and dependents $14 31 $ 140 (4 ) 5 R eq u ired s e r v ices provid ed . R etired em ployee and dependent • 4 M a tern ity a ccid en t and sick n ess b en efit paym ents lim ited to 6 w eeks. 5 L u m p-su m m a tern ity b en efit o f $200 fo r em p loyees and $100 fo r dependents. (5 ) 30 Selected Health and Insurance Plans M edical allowances Other benefits Company Home Office Hospital E lsew here Maximum number of visits paid for Maximum number of days paid for Maximum compensation Benefits begin Types and amounts Sickness Accident E m p loy ee and dependents The Chase Manhattan Bank. R a dia tion th erapy a llow a n ce: (F o r ca ses in o r out o f h osp ita l), $7. 50 p e r trea tm e n t; m axim u m , $175 p er year. E le c tr o -s h o c k th era py allow a n ce: (F o r ca ses in o r out o f h osp ita l), $10 p e r trea tm e n t; m axim u m , $ 100 p e r y e a r . R e tir e d em p loy ee and dependent — — — — — — — — — E m p loyee and dependents Cluett, Peabody, and Co. , Inc. $3 p e r v is it. $2 p e r v is it. $3 p e r v is it. $200 p e r d isability.6 1 p e r day. 1st day. 2d day. R e tir e d em p loy ee and dependent — 6 F o r em p loy ees age 60 and o v e r , — — — — — m axim um is payable during any 12 -consecu tive month p eriod . — — — — 31 for Salaried Employees— Continued M ajor m edical T y p e of expense subject’ to deductible Deductible amount A c cumulation period and its application Financing Benefit period F rom incurrence of expenses in From start excess of of disability deductible Coinsurance Maximum benefit Reinstatement Employee E m ployee and dependents Annual e a rn in g s : 12 months; a ll d is a b ilitie s . 12 m onths; a ll d is a b ilitie s . Company E m ployee 80 percen t. $ 15, 000 p e r life tim e . L e s s than $7, 500— $100 $7, 500 to $ 10,000— $200 $ 10,000 to $15, 000— $300 $15, 000 to $20, 000— $400 $ 20, 000 and o v e r — $ 500, A ft e r $2, 500 in b en e fits and at le a s t 6 con secu tive months w ith out fu rth er expense; upon evid en ce o f in su ra b ility . A ll ben efits ex cep t optional life insurance and m a jo r m e d ic a l _ _ |Full cost. O ptional and supplem ental life insurance $0.60per $1,000 p e r month. jB a la n ce o f cost. M a jo r m e d ica l $1.45 p e r month. iB alan ce o f cost. Dependents i : H osp ita l and su rg ica l $7. 62 p e r month. jB a la n ce o f cost. M a jo r m e d ica l $5. 17 p e r month. B alan ce o f cost. R e tir e d em ployee and dependent A ll. $250 12 months p e r d is ib ility . 12 m onths; a ll d is a b ilitie s . 80 percen t. ) $5, 000 p e r life tim e . L ife insurance |F u ll cost. M a jo r m e d ica l A ll em p loy ees E m ployee and dependents $100 C alen dar y e a r; a ll d is a b ilitie s . C alen dar ye a r, 3-m onth c a r r y o v e r ; a ll d isa b ilit ie s . 80 p ercen t. $5, 000 p e r ben e fit p erio d ; $ 10,000 p e r life tim e . A ft e r use o f $ 1, 000 o f expense, upon e v i dence o f in su ra b ility. M a jo r m e d ica l F u ll cost. M onthly E m p loy ee only , E m p loy ee and d e p e n d e n ts __ . $ 0 .97 O ther b en efits (ex c e p t optional life in su ran ce) _____________________________ |Full cost._______________ S u p ervis o rs, s p e c ia lis ts , salesm en , and execu tives O ptional life insurance Annual s a la ry M onthly U nder $3, 000_______ $ 0 .9 0 $3, 000-$4, 000___ 3.60 $4, 000-$7, 000_____ 6.00 B a lan ce o f cost. $7, 000—$15,000 ___ 10.20 $15,000 and o v e r — 12. 00 R e tir e d em ploye;e and dependent — — — — — — — — — — 32 Selected Health and Insurance Company E lig ib ility (when new em p loyees becom e e lig ib le ) Scope o f accidental death and di sm em be rm ent Schedule o f ben efits B a sis o f graduation L ife insurance Optional life insurance A ccid en ta l death and d ism em berm ent A cciden t and sickness O ccupa tional Scope o f accident and sickness N onoccupational Occupa tional N on occu pational A c c id e n t and sickness M axim u m duration Day b en efit begins A ccid e n t Sickness E m ployee Consolidated Foods Corp. A ft e r 3 months o f em p lo y m ent. M en and wom en X $1, 000 $1, 000 F la t. X M en onlv Annual earn in gs: $2, 000 4, 000 7, 000 9, 000 14, 000 Amount equal to IV 2 tim es annual earnings: M axim um , $50, 000. L e s s than $ 2, 000 $2, 000 to $3, 000 $3,000 to $5,000 $5, 000 to $7, 000 $7, 000 to $10, 000 $10, 000 and o v e r. (1 2) n R e tir e d em ployee — — — — — 1 — — — — — X 26 w eeks 4 per d is a b ility . 1st. 4th. E m ployee Crown Z e lle rb a c h Corp. Im m e d i a te ly o r 1st of fo llow in g month. M onthly sa la ry: $100 to $200 $200 to $300 $300 to $400 $400 to $500 $500 to $600 $600 to $700 $700 to $800 $800 to $900 $900 to $1, 000 $1, 000 to $1, 100 $1, 100 to $1, 200 $1, 200 to $1, 300 $1, 300 to $1, 400 $1, 400 to $1, 500 $1, 500 to $1, 600 $1, 600 to $1, 700 $1, 700 to $1, 800 $1,800 to $1, 900 $1, 900 to $2, 000 $2, 000 to $2, 100 $2, 100 to $2, 200 $2, 200 to $2, 300 $2, 300 to $2, 400 $2, 400 to $2, 500 ( 3) $2, 000 3, 000 4, 000 5, 000 6, 000 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 21,000 22, 000 23, 000 24, 000 25, 000 $1, 600 3, 000 4, 400 5, 800 7, 200 8, 600 10,000 11, 400 12, 800 14, 200 15, 600 17.000 18, 400 19,800 21, 200 22, 600 24, 000 25, 400 26, 800 28, 200 29,600 31.000 32, 400 33, 800 ( 3) $2,000 3, 000 4, 000 5, 000 6, 000 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 21, 000 22, 000 23, 000 24, 000 25, 000 $30 40 50 60 70 80 90 100 110 120 135 145 155 165 180 190 200 215 225 235 250 260 270 285 — — — X X R e tir e d em ployee — — — — — 1 Optional life insu rance is discontinued at age 65. 2 A c cid e n ta l death and d ism em b erm en t in su rance equal to the amount o f optional life in su rance p ro vid ed em p loy ees su bscribin g to the la tte r. 3 Am ount o f option al life insurance in c re a s e s in in crem en ts o f $2,400 fo r each additional $100 o f m onthly s a la ry to a m axim um o f $175,000. — — — — 33 Plans for Salaried Employees H ospital ben efits Sick le a v e D ays b en efit p e r rear Y e a rs At of At fu ll h a lf s e r v ic e p * y ___ - p a y E m p loy ee D a ily b en efit o r s e r v ic e Maxim um duration (days) Extended c o vera g e Days D a ily amount A n c illa r y s e r v ic e s M a tern ity ben efit E m erg en c y out-patient ca re o r s e r v ic e E m p loyee and dependents ii i See m a jo r m edic; al ben efits. Surgical benefits In com e lim its fo r s e r v ic e su rg ica l and m e d ica l ben efits i! M o stexpensive 1 I Appen dectomy 1 i Norm al delivery 1 R e tire d em ployee and dependent — — — — — E m p loy ee — — — — — $300 $150 $50 — — — E m p loyee and dependents 4 5 S e m ip r iv a te ro o m . 70 F u ll cost of sp e cified s e r v ic e s . $ 50 fo r room , board, and a n c illa r y s e r v ic e s . R eq u ired s e r v ic e s p rovid ed . R e tir e d em ployee and dependent — — — — — — 4 M a te rn ity a ccident and sick n ess b en efit lim ited to 6 w eeks. 5 A v a ila b le to C a lifo rn ia em p lo y ees and th e ir dependents; em p loyees in oth er a rea s a re c o v e re d by d iffe re n t p ro g ra m s . — — 34 Selected Health and Insurance Plans M ed ica l allow an ces O th er b en efits Company Hom e O ffic e H ospital E lse w h ere M axim um num ber o f v is its paid fo r Consolidated Foods Corp. M axim um number Maxim um o f days com pehsation paid fo r E m p loyee and dependents ! 1 See ]m ajor m e d ica l benefits. B en efits begin T y p es and amounts Sickness l A ccid e n t 1 R etired em ployee — — — — — — 1st day. 3d day. — E m p loy ee Crown Z e lle rb a c h Corp. $ 6 p er v is it. $4 p er v is it. $ 3 p er day. 1 p e r day. E m p lo y ee and dependents Hom e and o ffic e : $300 p e r y e a r . H ospital: $210 p e r d isa b ility . A n e sth es ia allow a n ce: (F o r ca ses in o r out o f h osp ita l), $10 fo r f ir s t o n e-h a lf hour plus $2. 50 fo r each a ddition al o n e q u a rter hour, m axim u m $40. D ia gn os tic la b o ra to r y and X - r a y exam in ation allow a n ce fo r nonh o s p ita liz e d ca ses : E m p lo y ee: $50 p e r a cciden t $50 a ll illn e s s p e r ca len da r y e a r . D ependent: $35 p e r accident $35 a ll illn e s s p e r ca len da r y e a r . P o lio allow a n ce: (F o r expen ses in ex c e s s o f those c o v e r e d by o th er plan b en efits in cu rre d w ith in 3 y e a r s o f com m en cem en t o f d is a b ility ). $5,000. Dependents — Sam e as above. — Sam e as above. ~ H ospital: $210 p e r d isa b ility . 1st day. 1st day. R e tir e d em p loy ee and dependent D edu ctible fo r dependent child is one h alf that o f an adult. D edu ctible based on s a la ry at the beginning o f the calen dar y e a r o f re tire m e n t. In itia l m axim um m a y be in crea se d by 3 p ercen t fo r each y e a r o f unused c o v e r a g e in e x cess o f 5 y e a r s that r e tir e d em ployee and dependent w e re c o v e r e d by plan. 35 for Salaried Employees— Continued Maj or m edical T y p e of expense subject to deductible Deductible amount Accumulation period and its application Benefit period From incurrence of expenses in From start excess of of disability deductible Financing Coinsurance Maximum benefit Reinstatement Company Employee E m p loy ee and dependents \11; except h osp ita l and su rg ica l. $100 C alen dar y e a r, 3-month c a r r y o v e r ; a ll d is a b ilitie s . 12 m on th s; a ll d is a b ilitie s . 80 percen t. $ 10,000 p er life tim e . E xception: F o r m a tern ity— $ 300 p e r p r e g nancy. A ft e r use o f $1,000 of expense and upon evid en ce o f in s u r ab ility. I B a sic life in su rance, and accidental death and dism em b erm en t J F u ll cost. Optional life insurance and accidental death and dism em b erm en t $0. 50 p e r $1,000 p e r month, j|Balance o f cost. M a io r m e d ica l E m p loyee o n ly----- $2. 87 p e r month. E m p loy ee and depen dents— $8. 66 p e r month. R e tir e d em ployee and dependent B alance o f cost. 36 Selected Health and Insurance Company The D etroit Edison Co. E lig ib ility (when new em p loyees becom e e lig ib le ) A fte r 6 months of e m ploym ent. Scope o f accidental death and di sm em be rment Schedule o f ben efits B a sis o f graduation L ife insurance Optional life insurance A ccid en ta l death and d ism em berm ent A cciden t and sickness Occupa tional Nonoccupational Scope o f accident and sickness O ccupa tional N on occupational A ccid e n t and sickness M axim u m duration Day ben efit begins A ccid e n t Sickness E m p loyee Annual s a la ry . Am ount equal to annual sa la ry : M axim um , $150, 000. Am ount equal to annual s a la ry : M axim um , $150, 000. R e tir e d em ployee 1 R e tir in g at age 65: I Amount in e ffe c t im m ed ia tely priLor to r e tirem en t redu ced 10 p>ercent at re tire m e n t and 10 per cent annually th e re a fte r , unti.1 amount equals 50 p ercen t o f < amount in e ffe c t p r io r to re tire n nent o r $2,500, w h ic h ev er is g r e a t e r . 1 1 E m ployees re tir in g a fte r age 60 w ith 15 y e a rs o f s e r v ic e : Amount in e ffect at date o f re tirem e n t m ay be maintained until age 65; then redu ced in m anner stated above, o r redu ction in co vera g e m ay begin im m ed ia tely (r e tir e d em p lo y e e s ' contribution tow a rd the cost of insurance cea ses when reduction in co vera g e begin s). If em p loyee b ec om es in su red by the optional insurance a fter age 45, total life insurance c o v e ra g e is redu ced to $ 2, 500 at re tire m e n t. 37 Plans for Salaried Employees Sick leave Hospital benefits Days benefit Y ears oer vear At At of full half service Pay___ __ pay___ E m p loyee 6 months. 2 20 Daily benefit or service Maximum duration (days) S em ip riva te room . 365 Extended coverage Days Daily amount An cillary services Maternity benefit Em ergency out-patient care o r service Income limits for service surgical and m edical benefits Surgical benefits M o stexpensive Appen dectomy Norm al delivery $450 $160 $90 E m ployee and dependents F u ll cost of s e r v ic e s . S em ip riva te room fo r 365 days plus fu ll cost of an c illa r y s e r v ic e s . 3 $20 R e tir e d em ployee 2 and dependent 4 3 Same as above. Same as above. Same as above. 2 E m p loy ees m ay accu m u late fr o m 7 to 52 w eeks of sick le a v e , depending upon length o f s e r v ic e . 3 A ls o payable fo r em e rg e n c y trea tm en t in clin ic o r d o c to r's o ffic e . 4 R e tir in g at age 60 o r la t e r . Same as above. Same as above. Same as above. 38 Selected Health and Insurance Plans M edical allowances Other benefits Company Home Office Hospital E lsew here Maximum number of visits paid for Maximum number of days paid for Maximum compensation Benefits begin Types and amounts Sickness | Accident E m p loyee anci dependents The Detroit^ Edison Co. $5 p er day. 365 p er d is a b ility . $1,825 p er d isa b ility . 1st day. 1st day. A n e sth es ia a llow a n ce: F o r nonh o s p ita liz e d ca ses except when used as pa rt o f trea tm en t fo r a ccid e n ta l b o d ily in jury, up to $10 fo r each use. O pera tin g ro o m a llow a n ce: F o r n on h o sp ita lized ca ses except when used as p a rt o f trea tm e n t fo r a c cid en ta l b o d ily in ju ry, up to $10 fo r each use. D ia gn ostic X - r a y a llow a n ce: F o r d ia gn o sis in connection w ith one d is a b ility in 365-day p erio d , up to $20. L a b o ra to r y dia gn o sis a llow a n ce: F o r one d is a b ility in 365-day p e r io d , up to $ 20. R a d io lo g ic a l th era p y a llow a n ce: Up to $10 p e r trea tm e n t o f m align an cy (m axim u m —$ 100 fo r one d is a b ility in 365-day p e r io d ). A m bu lan ce a llo w a n ce: $20 p e r tr ip . R e tir e d em p loyee 4 and dependent Sam e as above. Same as above. Same as above. Same as above. Same as above. Sam e as above. Up to 39 for Salaried Employees— Continued M a jo r m e d ica l T y p e of expense su bject to deductible D edu ctible amount Accu m u lation p e r io d and its application B en efit p e rio d F r o m in cu rren ce o f expenses in F ro m start o f d isa b ility e x cess of deductible Financing Coinsurance M axim um b en efit Rein statem en t E m p loyee Company E m ployee and dependents $100 12 months; a ll d is a b ilitie s . _ _ 12 consecu tive months; a ll d is a b ilitie s . 80 percen t. $ 10,000 p er d is a b ility ; $ 20,000 p er life t im e fo r dependents. Dependents: A fte r use o f $1,000, upon evid en ce of in su ra b ility. B asic life in su rance, sick le a v e , and m a jo r m edica l _ _ Jf u II cost. Optional l if e insurance $0. 60 per $ 1,000 p er month. Balance of cost. H ospital, s u rg ic a l, and m edical P e r w eek E m p loyee only ___ E m p loyee and s p o u s e ___________ E m p loy ee, spouse, and ch ildren Each additional d ep en d en t_______ $0. 84 1. 89 Balance o f cost. 2. 16 . 90 M a jo r m e d ica l F u ll cost. ------------------------ i_ R e tir e d em ployee 4 and dependent Sam e as a bove. Sam e as above. Sam e as above. _ Same as above. Same as above. $ 5, 000 p er d is a b ility ; $ 10, 000 p er life t im e . _ --------------- ---------------------r~ -------------------------- -------L ife insu rance and m a jo r m edical — j F u ll cost. H ospita l, su rg ica l, and m edical Sam e as fo r a ctive em p loy ee. Balance o f cost. m M a jo r : edica l F u ll cost. 40 Selected Health and Insurance Company Douglas A ir c r a ft Co. , Inc. Eligibility (when new employees become eligible) B asis of graduation L ife insurance and a cciden tal F la t. death and M onthly earn in gs: d is m e m berm ent L e s s than $416 ben efits: $416 to $625 Im m e $625 to $833 d ia tely o r $833 to $1, 250 1st of f o l $1,250 to $1,666 low in g $ 1,666 and o v e r month. Other ben efits: 1st of month fo llow in g 1 month of em p lo y ment. Scope of accidental death and dismemberment Schedule of benefits Life insurance Optional life insurance Accidental death and dism em berment Accident and sickness Occupa tional Nonoccupational Scope of accident and sickness Occupa tional Nonoccupational Accident and sickness Maximum duration Day benefit begins Accident Sickness ( 2) ( 2) E m ployee $9,000 $9,000 $2, 000 6, 000 12, 000 16,000 21,000 31,000 ( 2) X X ( 2) ( 2) $2, 000 6, 000 12,000 16,000 21, 000 31,000 At age 68: Amount in effect im n mediately p r io r to age 68 reduct jd im m ediat ely by 10 percen t, and reduc ed by like amount fo r next succeeding 6 anni v e r s a r ie s ajid by a r e duction of 5 percen t ii the 7th ye ar to an amount which equals 2 5 percen t c f amount in e ffe c t im m ed ia tely i r i o r to retlu c tio n .1 R e tir e d em ployee l 1 1 R etirem en t at 0 : a fter age t>0. r 1 Same as fo r em pl o yee at agti 68. 1 R etire d em p loyees m ay use an amount equal to 70 p ercen t o f that amount of life insurance that would be in e ffe c t a fter his 7th y e a r of re tir e m e n t tow a rd s paym ent of his and his d e pendent's m ed ica l ca re expenses which would have been c o v e re d if he had rem ained an a ctive em p loyee, that a re in ex cess of $100 annually. When such ben efits a re paid, a corresp o n d in g r e duction is made in the r e tir e d em p loyees life insurance. 2 Em ployees c o v e re d by C a lifo rn ia T e m p o ra ry D isa b ility L a w . See D igest o f One Hundred S elected H ealth and Insurance Plan s Under C o lle c tiv e B a rga in in g, W in ter 1961—62 (B L S B u lletin 1330, 1962), fo r a d eta iled su m m ary of the ben efits p rovid ed under this law . 41 Plans for Salaried Employees Hospital benefits Sick leave Y ears of service Days b enefit per rear _ At At full half __ pay___ iPav Daily benefit or service Maximum duration (days) Extended coverage Days Daily amount An cillary services Maternity benefit Em ergency out-patient care or service Income limits for service surgical and medical benefits Surgical benefits M o stexpensive Appen dectomy Norm al delivery ( 6) $192. 50 ( 5) E m ployee and dependents 3 4 E m ployee 4 $16 120 ( 3) ( 3) E m p loy ee: $300 plus 80 percen t o f e x cess . ( 5) Dependent: $100 plus 80 percen t o f e x cess . R e tir e d em ployee and dependent1 3 B en efits p ro vid ed as p a rt of a co m preh en sive m a jo r m e d ica l p ro g ra m . T o ta l h osp ital, s u rg ica l, and m e d ica l ben efits lim ite d to $7, 500 during each 2-year p eriod , fo r each c o vered em ployee. C a lifo rn ia em p loy ees a re also c o vered by the C a lifo rn ia State T e m p o ra ry D is a b ility la w which pays $12 a day fo r the fir s t 20 days o f h osp ital confinem ent p e r d isa b ility . 5 Lum p-sum paym ent o f $150, in lieu of re g u la r hospital and su rg ica l b en efits. 6 Amount d eterm in ed by a re la tiv e value sca le at a $5.50 fa c to r. 4 42 Selected Health and Insurance Plans M ed ica l allow an ces O ther b en efits Company Hom e O ffic e H ospital E lse w h ere M axim um num ber o f v is its paid fo r M axim um num ber o f days paid fo r M axim u m com pensation T y p es and amounts A ccid e n t E m ployee and dependents 3 •Douglas A ir c r a ft C o ., Inc. $11.00 $5. 50 $5. 50 ( 3) ( 3) ( 3) R e tir e d em ployee and dependent1 7 A ls o see h ospital, su rgica l, and m e d ica l section s. 8 O u t-of-h o sp ita l p s y ch ia tric ca re is not a c o v e re d expense. B en efits begin Sickness ( 3) ( 3) 43 for Salaried Employees—Continued M ajor m edical T y p e of expense subject to deductible Deductible amount Accumulation period and its application Benefit period From incurrence of expenses in From start of disability excess of deductible Financing Coinsurance Maximum benefit Reinstatement Employee Company E m ployee and dependents ---------------------- ,------------------------------------------A ll, except E m p lo y e e , h osp ital, $ 25; dep end s u rg ic a l, ra d io - ents, $50. isotope tre a t ment fo r p rove n m a lign a n c ies and in -h o sp ita l m e d ic a l expen ses. 60 days per d is a b ility . 2 years. 80 percen t. ( $7,500 per ben efit p eriod . Basic life and a cciden ta l death and dism em b erm en t insurance ) F u ll cost. — Optional life and a cciden ta l death and dism em b erm en t insurance $0. 66 p er $1, 000 per month. (8) A u tom atic. Balance of cost. Other em p loyee benefits — F u ll cost. Dependent s ben efits $2.95 p er month. 'R e t ir e d em p loy ee and dep end ent1 B alance of cost. 44 Selected Health and Insurance Company E. I. du Pont de N em ours and Co. E lig ib ility (when new em p loyees becom e e lig ib le ) L ife in surance: A ft e r 1 year of n p lo y ment. Scope of accidental death and di smembe rm ent Schedule o f ben efits Optional life insurance L ife insurance B asis o f graduation A ccid en ta l death and d is m e m berm en t A cciden t and sickness O ccupa tional Nonoccupational Scope o f accident and sickness Occupa tional N on occu pational Up to 5 ye a rs of s e r v ic e : Amount equal to 1 year of earnings. P r i o r to age 65 $1,000 1, 500 2, 000 2, 500 3, 000 5 y e a rs and o v e r: Amount when added to b asic equals up to 3 tim es annual e a rn in gs.2 A ccid e n t and s ic k n ess; A fte r 6 months. Am ount equal to 3 tim es an nual e a rn in gs: M a x im um , $ 100,000. $25 X X (5 ) ( 3) O ptional: Am ount in e f fee t im m ed i a tely p r io r to age 65 redu ced in 11 equal annuad in sta llm ents to o n e-h a lf norm al annual eairnings; m inim um , $1,500. 1 R e tir e d em ployee [ 26 w eeks 4 p er d is a b ility . ( 3) O ther ben e fit: Im A t ag e 65 m e d ia te ly o r 1st o f B a sic : Am ount in effec :t im m ediate dy p r io r to fo llow in g age 65 reduced in 1 1 eq ual annual i nstallm ents month. to $ 1, 500. 1 , Sam e as fo r em p loy ee jDrior to and at age 65. Each redu ced amount adjusted to the next h igh est $100. This insu rance m ay be pu rchased in amounts equal to annual ea rn in gs, o r when com bined with b a sic insurance equals 2 or O ccupational accidental death only; no b en efits fo r dism em b erm en t. M a tern ity accident and sick ness b en efit paym ents lim ite d to 6 w eeks. M axim u m duration Day ben efit begins A ccid e n t Sickness Em ployee S e rv ic e : 1 to 2 y e a rs 2 to 3 ye a rs 3 to 4 y e a rs Occupa tional a c c i 4 to 5 y e a r s 5 y e a r s and o v e r dental death; Im m e d ia te ly. 1 2 3 4 A ccid e n t and sick ness 3 tim es annual ea rn in gs. 8th. 8th. 45 Plans for Salaried Employees Hospital benefits Sick leave Y e a rs of service Days b enefit per rear At At half full pav pay D aily benefit or service Maximum duration (days) S em ip riva te room . 70 Extended coverage Days Daily amount An cillary services Maternity benefit D iffe re n t :e b e tw een wo rk m en 's com pens ation b en efit a nd fu ll i pay fo r 6 months. 1 1 Nonoccupati onal disa b ilitie s i' !! N o fo r i -nal plan. Surgical benefits M o stexpensive Appen dectomy 660 (7 ) S e m i p riv a te room . (7 ) $ 100 fo r room , F u ll cost o f sp e cified s e r v board, and an ices fo r 70 days; c illa r y s e r v ic e s . and 80 p ercen t o f ch arges above stated m inim um fo r sp e cified s e r v ic e s during extended b en e fit p eriod . $7 $225 $100 (7 ) R e tire d em ployee and dependent Sam e as above. Same as above. Same as above. Same as above. Same as above. Same as above. Same as above. 5 A ft e r age 60, sick n ess b en efits lim ite d to 26 w eeks during any 12 consecu tive months. 6 Group H o sp ita l S e rv ic e ,In c . (B lu e C ross and Blue Shield Plan ) fo r D ela w a re em p loyees; em p loyees in oth er a rea s c o v e re d by d iffe re n t p ro g ra m s . 7 If em p loy ee does not e le c t to be co v e re d by extended ben efits; $10 p e r day fo r room , board, and a n c illa r y s e r v ic e s is p ro vid ed fo r an additional 295 days. Norm al delivery E m ployee and dependents 5 6 E m p loy ee Occupatior ial d isabi lit ie s Em ergency out-patient care o r service Income limits for service surgical and m edical benefits Same as above. $75 Selected Health and Insurance Plans Medical allowances Other benefits Company Home Office Hospital Elsew here Maximum number of visits paid for Maximum number of days paid for Maximum compensation Benefits begin Types and amounts Sickness Accident E m p loyee and dependents 6 E. I. du Pont de N em ours and Co. $ 3 per day. 90 (8 ) $270 p e r disa bility. 3d day. 3d day. (8) M e d ic a l and su rg ic a l expen ses, s p e c ia l expen ses fo r s p e c ia l o p e r ation s, su rg ic a l a p plia n ces, a r t i f ic ia l lim b s, etc; s p e c ia l re h a b ili tation train in g; fu n era l expen ses and oth er expen ses not c o v e r e d by o r o v e r and above w o rk m e n ’ s c o m pen sation b en efits— com pany pays d iffe r e n c e betw een above expen ses and amount paid under the w o r k m e n 's com pensation law . (9) R e tir e d em p loyee and dependent Sam e as above. Sam e as above. Sam e as above. Same as above. 8 With extended b en efits, m axim u m num ber o f days is 730 and m axim u m com pensation is $2, 190 p e r d isa b ility . 9 P r o v id e d em p loyees who incur occupational in ju ry o r d ise a s e a ris in g out o f and in the cou rse o f th e ir em ploym ent with the company. Sam e as above. 47 for Salaried Employees— Continued M ajor m edical T yp e of expense subject to deductible Deductible amount Accumulation period and its application Benefit period From incurrence of expenses in From start excess of of disability deductible Financing Coinsurance Maximum benefit E m p loyee and dependents 10 E m p lo y ee w ith le s s than 1 y e a r o f s e r v ic e m ay obtain co vera g e fo r h im s e lf and his dependents by paying fu ll cost. Reinstatement Employee Company 48 Selected Health and Insurance Company Eastman Kodak Co. E lig ib ility (when new em p loyees becom e e lig ib le ) Im m ed ia tely o r 1st of fo llow in g month. Scope of accidental death and di smembe rment Schedule of benefits B asis o f graduation Life insurance Optional life insurance A ccid en ta l death and d is m e m berm en t A ccident and sickness Occupa tional Nonoccupational Scope of accident and sickness Occupa tional Nonoccupational Accident and sickness Maximum duration Em ployee Earn in gs. 2 tim es annual earn in gs. 2 tim es annual e a r n in g s .1 3 2 X R e tir e d em ployee ] R etirin g at age 65: 6 S e rv ic e L e s s than 5 ye a rs 5 to 10 ye a rs Amount o f insurance $500 $1,000 10 o r m o re y e a rs o f se:rv ic e , fu ll amount m aintained untilL age 66 then reduced in equal aimounts until fo llow in g percen ta ges of in su rance in e ffe c t at age 65 rem ain at age 70: S e rv ic e P ercen ta g e 25 10 ye a rs 2 7 y2 11 y e a rs etc. in in crem en l : s o f— 1 ye a r | 2Vz to a m axim um of— 50 20 y e a rs and o v e r 1 A t age 66 a ccid en ta l death in su rance is reduced as p e r schedule fo r r e t i r e e 's b a sic insurance. This insurance term inates at retirem en t. 2 B e n efit fo r occupational d is a b ilitie s is the d iffe re n c e betw een the w o r k m e n 's com pensation b en efit and sick le a v e pay. Sick lea ve is not payable fo r m a te r n ity d is a b ilitie s . 3 F o r the w eeks that w o rk ers with le s s than 5 ye a rs o f s e r v ic e re c e iv e d V2 pay the m axim um amount that the company w ill pay is $50. Day benefit begins Accident Sickness 49 Plans for Salaried Employees Hospital benefits Sick leave Days b enefit per rear At At full half pay___ P^Y___ Y e a rs of service D aily benefit or service Maximum duration (days) Extended coverage Days Daily amount A n c illa r y services Maternity benefit E m p lo y ee W eeks Up through 1 2 3 4 5 5 V2 through 15 A ft e r 15 Em ergency out-patient care o r service Income limits for service surgical and m edical benefits Surgical benefits M o stexpensive Appen dectomy Norm al delivery E m p loyee and dependents W eeks 24 17 12 7 2 (2 ) “ S e m ip riva te room . 70 50 5 $ 10 2 9 14 19 24 Fu ll cost o f sp e c ifie d s e r v ices fo r 1st 70 d a y s .5 6 $8 p e r day fo r R eq u ired s e r v room , board, ices p rovid ed. and a n c illa r y s e r v ic e s ; m in i m-urn, $50; m axim u m , $80. $7, 200 $425 $148. 75 26 (2’ 4 ) R e tir e d em p loy ee and dependent Sam e as above. Same as above. Same as above. Same as above. Same as above. Same as above. Same as above. Sam e as above. 4 F o r each month o f s e r v ic e o v e r 12 the w o rk e r a cq u ires 2 days o f sick lea ve at fu ll pay; in o rd e r to co n v ert days o f sick le a v e to w eeks, 5 days equal 1 w eek. 5 $10 p e r day is paid fo r room , board, and a n c illa ry s e r v ic e s fo r additional 50 days p e r d isa b ility . 6 F o r em p lo y ee r e tir in g p r io r to age 65, fu ll amount o f insurance is m aintained until age 66 then redu ced as fo r em ployee re tir in g at age 65. Same as above. $75 50 Selected Health and Insurance Plans Medical allowances Other benefits Company Home Eastman Kodak Co. Office Hospital E lsew here Maximum number of visits paid for Maximum number of days paid for Maximum compensation Benefits begin Types and amounts Sickness Accident E m ployee and dependents R a d ia tion therapy a llo w a n c e ; (F o r c a re in o r out o f h o sp ita l) no s p e c ifie d m axim um . A n e sth es ia allow a n ce: (F o r cases in o r out o f h osp ita l) on a tim e b a s is , no s p e c ifie d m axim u m . R e tir e d em p lo y ee and dependent Sam e as above. B ased on annual sa la ry , ranging fro m less than $5, 000 to $25, 000 and o v e r, the m axim um b en efit ranges fr o m $5, 000 to $25, 000. E m ployees pay fo r sick le a v e c o v e ra g e during the 1st 3 y e a rs o f em ploym en t at the ra te of V2 o f 1 p ercen t o f sa la ry p e r week; m axim um 30 cents p e r w eek. 51 for Salaried Employees— Continued M ajor m edical T yp e of expense su bject to deductible Deductible amount Accumulation period and its application Benefit period F rom incurrence of expenses in From start excess of of disability deductible Financing Coinsurance Maximum benefit Reinstatement Employee Company E m ployee and dependents Annual e a rn in g s : L e s s than $5, 000$ 100 $ 5, 000 to $ 7 ,5 0 0 $125 $7, 500 to $ 10 , 000$175 $10, 000 to $ 15, 000$250 $15, 000 to $25, 000$350 $25,000 o r m o re —$ 500 Calendar y e a r w ith 3-month c a r r y o v e r ; a ll d is a b ilitie s . Calendar y e a r; a ll d is a b ilitie s . 7 5 percen t. (7 ) Upon evid en ce of in su ra b ility. ■Lute in su ra n c e $0.60 p e r $1,000 p e r month. jB a la n ce o f cost. A c cid e n ta l death and d ism em b erm en t and sick lea ve __ |F u ll cost. M a jo r m e d ica l Monthly contribution Earn in gs Single F a m ily L e s s than $5, 000--------- $0 55 $1. 10 $5, 000 to 1. 05 2. 10 $7, 500------- $7, 500 to 2. 40 B alan ce o f cost. 1. 20 $10, 000 _____ $ 10, 000 to 2. 80 $15, 000 ______ 1. 40 $15,000 to 3. 20 $25, 000 ______ 1. 60 $25,000 and 3. 50 o v e r __________ 1. 75 H ospital and s u rg ica l V2 cost. B alan ce of cost. R e tir e d em p loyee and dep end ent9 Sam e as above. Sam e as a bove. Sam e as above. Same as above. Same as above. Sam e as above L ife insurance, h osp ital, s u rg ica l, and m a jo r m ed ica l F u ll cost. (10) 9 The r e tir e d em p lo y ee m ust have 15 ye a rs o f s e r v ic e and m ust have been in su red fo r 5 y e a r s p reced in g re tire m e n t. 1 B a sed on w o r k e r 's r e tir e m e n t annuity. 0 52 Selected Health and Insurance Company G en eral E le c tr ic Co. E lig ib ility (when new em ployees becom e e lig ib le ) Scope o f accidental death and di sm embe rm ent Schedule o f ben efits B asis o f graduation Im m e d ia tely o r 1st o f f o l Annual earn in gs. low ing month. L ife insurance Optional life insurance A ccid en ta l death and d ism em berm ent A cciden t and sickness Occupa tional Nonoccupational Scope o f accident and sickness Occupa tional N on occu pational M axim u m duration i_________________ __ Day b en efit begins A ccid e n t Sickness E m ployee 2 tim es basic earn in gs. $ 15 per w eek fo r 1st 20 days o f sa la ry con Optional: tinuance. Up to T h ere a fte r, $ 100,000 o r 5 tim es 50 percen t o f sa la ry; annual m in im u m , earnings $32. 50; (w hich m axim um , e v e r is $85 fo r an g r e a te r) additional but no m o re than 26 w eeks. $250, 000. Basic: 1 y e a r of earn in gs. X X X X (M R e tir e d em ployee R e tir in g p r io r to age 65: Am ount in e ffe c t im m ed ia tely p r io r to r e tir e m e n t m aintained until age 65; t h e r e a fte r, sam e as fo r em p loy ee re tir in g at age 65. R e tir in g at age 65: Amount in e ffe c t im m e d ia te ly p r io r to age 65 redu ced 2. 5 p ercen t p e r month until amount in e ffe c t equals s p e c ifie d p e r cent o f amount in e f fe c t im m e d ia te ly p r io r to re tire m e n t. P e rc e n t age o f amount in e ffe c t im m e d ia tely p r io r to r e tir e m ent: S e rv ic e : 5 ye a rs 6 ye a rs 7 ye a rs _______________— 8 y e a rs Q y e ar s 10 y e a r s ________________ — 1 16z/ 3 20 231 /, 262 3 / 30 33V3 The occupational w eek ly accident and sick ness b en efit is the d iffe re n c e betw een the w o r k m e n 's com pensation ben efit and the above amount. Not payable fo r m a tern ity d is a b ilitie s . A cc id e n t and sickness 30 w eeks 2 p er d isa b ility . 8th o r 1st in h ospital. 53 Plans for Salaried Employees Sick le a v e Y ears of s e r v ic e H ospita l ben efits D ays b en efit p e r rear At At fu ll h a lf pay pay Extended co v e ra g e Maxim um duration (days) D a ily b en efit o r s e r v ic e A n c illa r y s e r v ic e s D a ily amount Days M a tern ity ben efit S u rgica l benefits In com e lim its fo r s e r v ic e su rg ica l and m e d ic a l ben efits E m erg en c y out-patient c a re or s e r v ic e M o stexpen sive A ppen dectom y N o rm a l d e liv e ry E m p loy ee and dependents — 1 i (3) (3) See maj o r m edica l je n e fit s . (3) (4) 1 f See m a jo r m e d ica 1 b en efits. 1 (4) R e tire d em ployee and dependent 1 3 No fo r m a l plan. E m p lo y e r, h ow ever, 4 L u m p -su m m a te r n ity b en e fit o f $ 150. 1 1 usually p rovid es fu ll pay fo r 1 1st 20 days. 1 1 See m a jo r m edica tl ben efits. 1 1 I 1 1 I 54 Selected Health and Insurance Plans M ed ica l allow an ces O th er b en efits Company Hom e M axim um number o f days paid fo r Maxim um num ber o f v is its paid fo r E lse w h ere H ospita l O ffic e T y p es and amounts Sickness A ccid e n t E m p loy ee and dependents G en eral E le c tr ic Co. B en efits begin M axim um com pensation 1 See rn a jo r m e d ica l benefits. 1--------1 - 1 1 “ r 1 r 1 i i1 1 r R e tir e d em p loy ee and dependent ] 1 1 ! 1 1 I See rn ajo r m e d ica l ben efits. 55 for Salaried Employees--- Continued M a jo r m e d ica l Type of expense subject to deductible D edu ctible amount A ccu m u lation p e r io d and its application B en efit p e r io d F r o m in cu rre n ce o f expen ses in F r o m start o f d isa b ility e x cess o f deductible Financing Coinsurance M axim um b en efit Rein statem en t E m p loy ee E m ployee and dependents Company E m p loy ees 1 A ll. H o sp ita l and s u rg ic a l: $25. O th er: C alen dar ye a r w ith 3-month c a r r y o v e r ; a ll d is a b ilitie s . Calendar ye ar; a ll d isa b ilities . $50. M a x im u m , $50. H osp ita l and su rg ica l e x pen se: 100 p ercen t o f fir s t $ 225; t h e r e a fte r, 85 p e r cent. $ 7, 500 p er b en efit p erio d ; $ 15, 000 p e r life tim e . Upon evid en ce o f in su ra b ility. Lafe in su rance, ba sic a ccide ntal death o r dism em b erm ent, w eek ly acciden t, sick n es s, : a tern ity, and m a jo r m edica l m B alance of cost, 9 /io p ercen t o f annual ea rn in gs. 1 A d d itio n a l a ccid en ta l death O ther m e diced, ex p en ses: 75 p ercen t. $0. 60 p e r $ 1,000 p er y e a r . Depen idents E xception s: O u t-o f-h o sp ita l p s y ch ia tric c a re , 50 p e r cent. 2 p e rc e n t o f 1st $5, 000 o f annual earn in gs. Balance o f cost. R e tir e d em p loy ee and dependent5 $ 25 C alen dar ye a r w ith 3-month c a r r y o v e r ; a ll d is a b ilitie s . Calendar year; a ll d isa b ilities . 100 p ercen t o f fi r s t $225; th e re a fte r , 85 percen t. 10 to 15 ye a rs o f s e r v ic e : $2 , 0 0 0 . 6 15 y e a rs and o v e r : $3, 000. 6 B e n e fit is a p plicable o nly to hospital and su rg ica l expen ses; m e d ic a l expen ses a re exclu ded fr o m co v e ra g e . M axim u m payable fo r a ll expen ses in cu rred by both r e tir e e and w ife . F u ll cost. 56 Selected Health and Insurance Company G en era l M o tors Corp. E lig ib ility (when new em p loy ees becom e e lig ib le ) Scope of accidental death and dismemberment Schedule o f ben efits Optional life insurance L ife insurance B a sis o f graduation A ccid e n ta l death and d is m e m berm en t A cciden t and sickness Occupa tional Nonoccupational A p p r o x i m a tely 1 y e a r of b ase s a la ry : M axim u m , $9, 600. A p p r o x i m a tely 2 tim es an nual base sa la ry . Monthly b en efit fo r em p loyees with base s a la ry of less than $750 m onthly. 2 X X M onthly earn in gs: $37 0 $ 37 0 t o $ 3Q5 $ 3Q5 t o $420 $ 4 2 0 to *445 $445 to _ $470 $470 to $500 __________ — $ 5 0 0 to $600 $ 6 0 0 to ... — $550 $ 5 5 0 to Occupa tional Nonoccupational Maximum duration X X G raduated by s e r v ic e : L e s s than 1y e a r— 6 months 1 to 5 y e a r s — 8 months 5 y e a r s a n d o v e r12 m on th s. Day benefit begins Accident Sickness 8th. 8th. / ) 3 \ _J $205 L e s s than $345 _______ to Accident and sickness E m ployee 1st of month next fo llow in g B a se sa la ry . 1 month of em p lo y m ent. $345 Scope of accident and sickness $750 ) 235 255 275 290 310 340 375 410 450 (M R e tir e d em ployee R e tirin g at o r a fte r age 65: Insurance reduced 2 p ercen t m onthly until (1) fo r em ployees with 10 o r m o re y e a r s co vera g e amount equals 1. 5 p ercen t of amount in e ffe c t im m ed ia tely p r io r to in itia l reduction m u ltip lied by y e a rs o f co v e ra g e up to 20. R e tirin g p r io r to age 65: Am ount in e ffe c t p r io r to r e t i r e m ent continued until age 65, then redu ced in sam e m anner as fo r em p loy ee r e tir in g at age 65.1 3 2 1 The occupational w eek ly accident and sickness ben efit is the d iffe re n c e betw een w o r k m e n 's com pensation and above amount. . 2 E m p loy ees earning $ 750 and o v e r per month a re c o v e re d by an in fo rm a l sa la ry continuation p ro g ra m . E m p loy ees earning $750 and o v e r per month em p loyed m C a lifo rn ia , N ew J e r s e y , N ew Y o rk , o r Rhode Islan d a lso re c e iv e State te m p o ra ry d isa b ility ben efits. 3 M a tern ity a ccident and sick ness ben efit lim ite d to 1Va months. 57 Plans for Salaried Employees Hospital benefits Sick leave Days b enefit per rear At At half full pav _ Pay_ Y e a rs of service D aily benefit or service Maximum duration (days) Extended coverage Days Daily amount A n cillary services Maternity benefit Em ergency out-patient care o r service Income limits for service surgical and m edical benefits Surgical benefits M o stexpensive Appen dectomy Norm al delivery E m ployee and dependents 5 E m p loy ee W eeks L e s s than 1 1 to 5 5 o r m o re S em ip riva te room . 365 1 8 13 Fu ll cost of sp e cified s e r v ic e s . S em ip riva te room fo r 365 days plus fu ll cost o f s p e c ifie d a n c illa ry s e r v ic e s . R eq u ired s e r v ic e s provid ed. $7,500 $450 $157. 50 $90 (4 5 ) R e tir e d em p loy ee and dependent5 Same as above. Same as above. Same as above. Same as above. Same as above. Same as above. Same as a b o ve. 4 A b o ve schedule applies to em p loyees with monthly base sa la rie s o f less than $750. Sick le a v e paym ents redu ced by any statutory o r sick ness and accident b en efits the w o r k e r r e c e iv e s . Em p lo y e e s earn in g $750 and o v e r p e r month covered by in fo rm a l sa la ry continuation plan. 5 M ich iga n H o sp ita l S e r v ic e and M ichigan M ed ica l S e rv ic e (Blue C ross and Blue Shield P la n s ); b en efits fo r em p loyees in oth er a rea s c o vered by o th er plans p ro vid in g co v e ra g e as n e a rly equal as p r a c tic a b le to c o v e r a g e p ro v id e d fo r em ployees in M ichigan. 58 Selected Health and Insurance Plans M ed ica l a llow a n ce* Other benefits Company Hom e O ffic e H osp ita l E lse w h ere M axim um num ber o f v is its paid fo r M axim um num ber o f days paid fo r B en efits begin M axim um com pensation Types and amounts Sickness A ccid e n t E m p loyee and dependents 5 G en era l M o tors Corp. 1 st day, $15; 2d through 2 0 th day, $ 6 ; th e re after, $4.80 p e r day. 365 p e r d isa b ility . $1,785 p e r d isa b ility . 1 st day. 1 st day. ( 6) R e tir e d em p loy ee and dependent Sam e as above. 6 7 8 Sam e as above. Sam e as above. If em p loy ees annual base s a la ry is less than $5,000 p e r y e a r , d o lla r amounts ben efits a re som ew hat lo w e r. In -h osp ita l c a re fo r n ervou s o r m ental conditions $30 p e r day le s s any allow a n ce by b a sic c o v e ra g e s . Up to $10 p e r day fo r p r iv a te ro o m expenses in ex cess o f s e m ip riv a te ch a rge s. Same as above. Sam e as above. 59 for Salaried Employees— Continued M ajor m edical T y p e of expense subject to deductible Deductible amount Accumulation period and its application Benefit period F ro m incurrence of expenses in From start excess of of disability deductible Financing Coinsurance Maximum benefit Reinstatement Employee Company E m ployee and dependents A ll. Annual ea rn in gs: months; a ll d is a b ilitie s . 12 months; a ll d is a b ilitie s . 12 80 percen t. $ 1 0 , 0 0 0 per b en efit p erio d . ---- ,------------------------Upon evid en ce o f in su ra b ility. L ife in su rance L e s s than $18,000 U n lim ited p e r life tim e fo r em p loy ees. L e s s than $ 1 2 , 000 $10 0 $ 1 2 , 0 0 0 to $18, 0 0 0 $150 $ 18, 0 0 0 to $24, 000 - F u ll cost. $ $ 2 0 , 00 0 per life t im e fo r dependents. 18, 0 0 0 and o v e r $0.50 p e r $1, 000. |B alan ce o f cost. M a jo r m e d ic a l $200 (7 ) M onthly $24, 000 to $30,000 $250 $30, 0 0 0 and o v e r - $300 (8 ) In d iv id u a l__________ $ 0 .50 Individual and w if e ____ ___________ 1. 25 Individual and fa m ily ____________ 1. 50 B alance of cost. Other ben efits F u ll cost.. R e tir e d em p loy ee and dependent Sam e as above. Sam e as above. (E x cep t r e la tes to e a rn ings p r io r to re tir e m e n t. ) 90 days. Sam e as above. Same as above. L ife insurance Sam e as above. . 50 p e r month p e r $ 1,000 B alan ce o f cost. to age 65. No em p loy ee contributions a fte r age 65. M a jo r m e d ica l Monthly Individual . Individual and w ife _________ , $3. 50 7. 50 H ospital, s u rg ica l, and m ed ica l O n e-h a lf o f cost. lO n e-h a lf o f cost. 60 Selected Health and Insurance Company G im bel B ro th ers , Inc. E lig ib ility (when new em p loy ees becom e e lig ib le ) A cciden t and sick ness ben efit: A fte r 28 days. O ther ben efits: Im m e d ia tely o r 1 st of fo llo w in g month. Scope o f accidental death and di sm embe rm ent Schedule o f ben efits B asis o f graduation L ife insurance A ccid en ta l death and d ism em berm ent Optional life insurance A ccid en t and sickness Occupa tional Nonoccupational Scope o f accident and sickness O ccupa tional Accident and sickness N on occupational Maximum duration Day b en efit begins A ccid e n t Sickness E m ploy ee B e fo r e age 65 B asic w eek ly earn in gs: $39.00 to $75.00 $75.01 to $100.00 $ 100.01 to $125.00 $ 125.01 to $150.00 $ 150.01 to $175.00 $ 175.01 to $200.00 $200.01 to $225.00 $225.01 to $250.00 $250.01 to $300.00 $ 300.01 to $400.00 $400.01 to $500.00 $500.01 to $600.00 $600.01 to $700.00 $700.01 to $800.00 $800.01 to $9 0 0 . 0 0 $ 9 0 0 . 0 1 to $ 1 , 0 0 0 . 0 0 $ 1 , 0 0 0 . 0 1 to $ 1 , 1 0 0 . 0 0 $ 1 , 1 0 0 . 0 1 and o v e r $ 2 , 000 4, 000 6 , 000 8 , 000 $ 2 , 000 4, 500 7, 000 9, 500 1 2 , 000 14, 500 10 ,0 0 0 1 2 , 000 16 ,0 0 0 2 1 , 000 26 ,0 0 0 W ith 28 days but less than 6 0 days 1 s e r v ic e : l/ z o f sa la ry ; m axim um , $ 50 p er week. X X X 26 w eek s . (* ) 19 ,0 0 0 24, 000 2 9 ,0 0 0 34, 000 39, 0 0 0 44, 000 54, 000 64, 000 74, 000 84, 000 94, 000 99 , 0 0 0 31, 000 36,000 41, 000 51, 000 6 1 , 000 71, 000 81, 0 0 0 91, 0 0 0 9 6 ,0 0 0 A t age 65: Amount o f insurance redu ced 10 p ercen t and so redu ced each y e a r u ntil insurance in fo r c e equals 50 p ercen t of amount in e ffe c t im m ed ia tely p r io r to age 65. W ith 60 days' or m o re s e r v ic e : 1 st 1 0 days, fu ll sa la ry ; next 13 w eeks, % of sa la ry , m axim um , $ 60 p er w eek; th e rea fter, % of sa la ry , maxim um , $50 p er week. R e tir e d em ployee — G oodyear T ir e and Rubber Co. A fte r 30 days o f em p lo y m ent. — — — — — — Annual sa la ry . 1 year of sa la ry : M in im u m , $ 1,000; m axim um , $20,000. — Men: $40; 1 y e a r of sa la ry : wom en, M inim um , $30. $ 1, 000; m axim um , $20,000. X — — A t n orm a l o r e a r ly re tire m e n t: Amount in e ffe c t im m ed ia tely r e duced to 50 p ercen t of amount in e ffe c t p r io r to re tir e m e n t or $ 1 , 0 0 0 , w h ic h ev er is g r e a te r. E xclu des m a tern ity d is a b ilitie s . A fte r age 60, ben efits lim ite d to 26 w eeks during any 12 consecu tive months. M a tern ity accident and sickness ben efit paym ents lim ite d to 6 w eeks. X 2 6 w eeks 2 p e r d is a b ility . ( 3) " R e tir e d em ployee — — — Em ployee 1 St. 8 th. 61 Plans for Salaried Employees Hospital benefits Sick leave Y ears of service Days benefit per year At At full half pay pay Daily benefit or service Maximum duration (days) Extended coverage Days Daily amount An cillary services Maternity benefit Em ergency out-patient care or service Income limits for service surgical and m edical benefits Surgical benefits M ostexpensive Appen dectomy Norm al delivery E m ployee and dependents E m p loy ee S em ip riva te ro o m . 21 180 50 percen t o f co st of s e m i p riv a te ro o m . F u ll cost of sp e cified s e r v ic e s fo r 1 st 21 days; 50 p e r cent o f co st fo r additional 180 days. $80 fo r room , board, and a n c illa ry s e r v ic e s . $7. 25 Individual, $2, 500; fa m ily , $4, 000. $250 $ 125 $75 — — — $250 $ 125 $75 R e tir e d em ployee and dependent — — — — — — — — E m ployee and dependents E m p loy ee S e m ip riva te ro o m . 120 F u ll cost of sp e cified s e r v ic e s . S em ip riva te room fo r 1 2 0 days plus fu ll cost of sp ecified a n c illa ry s e r v ic e s . R eq u ired s e r v ic e s provid ed. R e tir e d em p loy ee and dependent Same as above. Same as above. Same as above. Same as above. Same as above. Same as above. 62 Selected Health and Insurance Plans M edical allowances Other benefits Company Home Office Hospital Maximum number of visits paid for E lsew here .Maximum number of days paid for Benefits begin Maximum compensation Types and amounts Sickness Accident E m p loy ee and dependents G im bel B ro th ers , Inc. st 2 days, v is its p er day. 1 st 2 ,days, $4 p er v is it ; 3d through 2 1 st day, $ 4 p er day; 2 2 d through 2 0 1 st day, $ 14 p e r w eek. 1 2 201 days. $452 p er d isa b ility . 1 st day. 1 st day. A n e sth es ia a llow a n ce: (F o r cases in o r out o f h o sp ita l), 2 0 p ercen t o f s u rg ic a l a llow a n ce; m inim u m , $ 15. . R a dia tion th erapy a llow a n ce: (F o r ca ses in o r out o f h o sp ita l), $ 7 .5 0 p e r trea tm e n t; m axim u m , $ 2 0 0 per year. E le c tr o -s h o c k th erapy allow a n ce: (F o r ca ses in o r out o f h osp ita l), $ 1 0 p er trea tm e n t; m axim u m , $ 1 0 0 p er y e a r . (4) R e tir e d em p loy ee and dependent — — — — — — — — - E m p loy ee and dependents G oodyear T ir e and Rubber Co. 1 st 2 days; $ 5 per day, th e re a fte r , $ 3 per day. 1 2 0 p er d isa b ility . E m p lo y ee only $ 364 1 st day. 1 st day. E m p lo y ee and dependents D ia gn os tic X - r a y a llow a n ce: (F o r ca ses in o r out o f h osp ita l), $70 du ring any 1 2 con secu tive m onths. R e tir e d em p loy ee and dependent Sam e as a bove. Plus consultation a llow a n ce o f $ 10. X - r a y and radiu m th erapy a l lowance: $ 150 during any 12 con sec u tive m onths. Same as above. Same as above. Same as above. Same as a bove. 63 for Salaried Employees— Continued M ajor m edical T yp e of expense subject to deductible Benefit period F rom incurrence From start of expenses in of disability excess of deductible Accumulation period and its application Deductible amount Financing Coinsurance Maximum benefit Reinstatement Employee Company E m p loy ee and dependents G re a te r o f (a ) b a sic b e n e fits ; and (b) $500. m onths; a ll d is a b ilitie s . 6 2 80 p ercen t. years. ------------------------------------------- 1------------------------- : ------------L ife insurance, a ccid e n ta l death and dism em berm ent, accident and sick n ess, and hospital, s u rg ic a l, and m e d ica l $ 1 0 , 0 0 0 p er d isa b ility . F u ll co st. — M a jo r rn edical M onthly contribu tion E m p loy ee only__ E m p lo y ee and w if e --------------E m p loy ee and husband--------E m p lo y ee and c h ild r e n -------E m p loy ee, w ife , and c h ild r e n -------E m p loy ee, husband, and c h ild r e n -------- $ 3. 25 7.25 6.75 Balance o f cost. 4.75 8.75 8.25 R e tir e d em p loyee and dependent — — — — — — — — E m p loy ee and dependents A ll. $10 0 days per d is a b ility . 120 2 years. 80 p ercen t. $ 2 0 , 0 0 0 p er life tim e . E xception : O u t-of-h ospita l p s y ch ia tric c a re — 50 p ercen t. ! 1 M a jo r riinedical Upon evid en ce o f in su ra b ility. F u ll cost. O ther B enefits F u ll cost. R e tir e d em p loy ee and dependent A ll. $300 Sam e as above. Same as above. 80 p ercen t. $ 5, 000 p er life tim e . Sam e as above. Same as above. 64 Selected Health and Insurance Company The Greyhound Corp. E lig ib ility (when new em p loyees becom e e lig ib le ) Optional life insurance A ccid en ta l death and d ism em berm ent A cciden t and sickness O ccupa tional Nonoccupational Scope of accident and sickness Occupa tional Nonoccupational Accident and sickness Maximum duration Day benefit begins Accident Sickness Em ployee F la t. $50 X X X M onthly sa la ry : I $4, 900 L e s s than $400 7, 000 $400 to $550 $550 to $700 9 , 800 14, 000 $700 to $850 $850 to $1, 000 17,000 2 0 , 000 $1, 000 to $1, 250 and up in in crem e nts of $250 to $2, 000 5, 000 to 40, 000 and o v e r M Other b e n e fits : A fte r 6 months of e m p lo y ment. Life insurance B asis o f graduation 1 P a id sick le a v e : 1 ye a r. Scope of accidental death and di smembe rment Schedule of benefits $3, 4, 5, 5, 5, 5, 000 000 000 000 000 000 26 w eeks 1 p er d is a b ility . 1 st. 8 th. (M N R e tir e d em ployee — — — — — — — — X X — — — I — H art, Schaffner and M a rx . L ife in su rance: M en: Im m e d ia tely o r 1 st of f o l low ing month. E m ployee Annual sa la ry . An amount equal to annual s a la ry c a r r ie d to next $1 , 000. An amount equal to annual sa la ry c a rr ie d to next $1 , 000: M axim um , $4, 000. Other b e n e fits : 3 months. W om en: sa la ry . Annual An amount equal to annual s a la ry c a r r ie d to next $1 , 000: M axim um , $10 , 000. X An amount equal to annual sa la ry c a rr ie d to next $1 , 000: M axim um , $4, 000. L o n g -term d isa b ili t y 3 . . .jj1 xu iv a . i> . y o a ia i y j l 60 percen t o f monthly sa la ry . — R e tir e d em ployee M a tern ity accident and sickness ben efit paym ents lim ite d to $30 w eek ly fo r 6 w eeks. Standard w ork w eek is 6 days. A ft e r 6 T o age 65 fo r m onths. sick n es s; fo r life fo r accid en t. A ft e r 6 months. 65 Plans for Salaried Employees Sick leave Y ears of service Hospital benefits Days b enefit per ^ rear At At half full pav pay___ Daily benefit or service Maximum duration (days) Extended coverage Days Daily amount An cillary services E m p loyee 1 2 3 4 5 to 2 to 3 to 4 to 5 and o v e r. Em ergency out-patient care o r service Surgical benefits M o stexpensive Appen dectomy Norm al delivery $300 $150 $50 — — — $150 $10 0 $50 E m ployee and dependents S em ip riva te ro o m . 6 7 70 F u ll co st o f sp e cified s e r v ic e s . 8 9 — Maternity benefit Income limits for service surgical and m edical benefits 12 ( 2) R oom and board, R eq u ired s e r v $ 9 d a ily: ic e s provid ed. M axim um , $90; a n c illa ry c e r v ic e s — d i f fe r e n c e betw een actual ro o m and board ch arges and $ 9 0 . R e tir e d em ployee and dependent — — — — — — — ________L E m p loyee E m ployee and dependents 3 4 $15 31 ! 3 4 Only a va ila b le to em p lo y ees earning $10, 000 and o v e r annually. H o sp ita l b en efits payable fo r expenses in ex cess o f $25. $300 $ 150 fo r room , board, and an c illa r y s e r v ic e s . R e tir e d em p loy ee and dependent 66 Selected Health and Insurance Plans M edical allowances Other benefits Company Home Office Hospital Elsew here Maximum number of visits paid for Maximum number of days paid for Benefits begin Maximum compensation Types and amounts Sickness Accident E m ployee and dependents The Greyhound C orp. $ 5 p er day 5 $ 300 1 st d a y. 1 st day. R e tir e d em ployee and dependent — H art, Schaffner and M a rx . — — — — — — — — — E m ployee and dependents A m bu lan ce a llow a n ce: $10 p er tr ip ; $ 2 0 p er d is a b ility . P o lio b en efits: 3 -y e a r p erio d . $5, 000 during any E m p loy ee only: E m erg en c y ca re in o r out o f h osp ita l, $ 1 0 . R e tir e d em ployee and dependent 5 If s u rg ica l o peration p e rfo rm e d , m axim um com pensation is redu ced by amount paid by the plan fo r the su rg ica l procedu re. A ft e r 3 months with le s s than $50 of e lig ib le ch a rges, new ben efit p erio d com m ences and deductible must be sa tisfied again. 67 for Salaried Employees— Continued Maj or m edical Type of expense subject to deductible Accumulation period and its application Deductible amount Benefit period F ro m incurrence of expenses in From start of disability excess of deductible Financing Coinsurance Maximum benefit Reinstatement Employee Company E m p loyee and dependents 1 1 A ll. $10 0 months; a ll d is a b ilitie s . m onths; a ll d is a b ilitie s . 12 12 80 percen t. $5, 0 0 0 p er ben efit p eriod ; Exception: Out$ 1 0 , 0 0 0 per o f-h o sp ita l life tim e . p sy ch ia tric ca re , 50 percen t. A ft e r use o f $1, 000 o f expen ses and upon evid en ce of in su ra b ility. P a id s ick le a v e 1 |F u ll co st, Other ben efits $14. 25 Balance o f cost. R e tir e d em p loyee and dependent — — — — — — — — — — E m p loyee and dependents ' 1 1 y e a r per G re a te r o f: B a sic b en e d is a b ility . fits and $500. P e r io d o f each d is a b ility . 6 80 percen t. $ 1 0 , 0 0 0 p er life tim e . Upon evid en ce of in su ra b ility. L ife insurance and a cciden ta l death and dism em b erm ent $0.75 p e r $1,000 p e r month. Balance o f cost. L o n g -te rm d is a b ility $4 p er y e a r p er $1, 000 o f sa la ry . B alance o f cost. O ther ben efits M onthly contribu tion E m p loyee only__ E m p loyee and 1 dependent E m ployee and 2 o r m o re d ep en d en ts_____ R e tir e d em p loyee and dependent $3. 05 5. 35 7. 50 68 Selected Health and Insurance Company International Business M achines Corp. E lig ib ility (when new em p loyees becom e e lig ib le ) Im m ed ia tely o r 1 st o f f o l lowing month. Scope of accidental death and di smembe rment Schedule of benefits B asis o f graduation L ife insurance Optional life insurance A ccid en ta l death and d ism em berm en t A cciden t and sickness Occupa tional Nonoccupational E m ployee Continuous s e r v ic e : L e s s than 1 y e a r $1 , 0 0 0 1 to 2 y e a rs 3, 000 2 to 3 y e a rs 6 ,0 0 0 3 to 4 y e a rs 9 , 000 4 to 5 y e a rs 1 2 , 000 5 to 6 y e a rs 15.000 6 to 7 y e a rs 16, 0 0 0 7 to 8 y e a rs 17, 000 18, 0 0 0 8 to 9 y e a rs 1 9 , 000 9 to 1 0 ye a rs 20 .0 0 0 1 0 to 1 1 y e a rs and up in in crem en ts of 333. 33 1 y e a r to a m axim u m o f 25 y e a rs and o v e r to a m a x i mum, o f 25,000 (M R e tir e d em ployee S e rv ic e . 1 2 $50 tim es ye a rs of s e r v ic e . E m p lo y e e 's spouse o r dependents r e c e iv e an additional 3 m onths' pay. F o r occupational d is a b ilitie s com pany pays d iffe re n c e betw een w o r k m e n 's com pensation ben efits and fu ll pay. Scope of accident and sickness Occupa tional Nonoccupational Accident and sickness Maximum duration Day benefit begins Accident Sickness 69 Plans for Salaried Employees Sick leave Hospital benefits Days b enefit per rear Years At of At half full service Pay___ pay___ E m p loy ee Daily benefit or service Maximum duration (days) Extended coverage Days Daily amount A n cillary services Maternity benefit Em ergency out-patient care o r service Surgical benefits Income limits for service surgical and m edical benefits M o stexpensive Norm al delivery E m p loyee and dependents i 26 75 p ercen t o f w e e k s . 2 ro o m and board charges; o r in fu ll up to $ 1 0 p er day. Appen dectomy 120 p er ye a r. 75 percen t of R egu lar h ospital 75 p ercen t o f and m a jo r m e d ch a rges; o r in ch a rges; o r in fu ll up to $ 1 0 0 : fu ll up to $ 1 0 0 : ic a l ben efits. M axim u m , $500. M axim u m , $500. i----------------------------1 S ee m a jo r m edi cal ben efits. R e tir e d em ployee and dependent 1 Sam e as a bove. Same as above. Same as above. Same as above. i 1 s ee m a jo r m edi cal ben efits. 1 1 70 Selected Health and Insurance Plans M edical allowances Other benefits Company Home Hospital Office Maximum number of visits paid for Elsew here Maximum number of days paid for Types and amounts Sickness Accident E m p loyee and dependents In tern ation al Business M achines Corp. Benefits begin Maximum compensation 1 1 1 1 1 1 1 See m a jo r m e d ica l b en efits. R e tir e d em p loy ee and dependent 1 1 1 1 I 1 1 r I i See rr*ajor m e d ica l bicnefits. 71 for Salaried Employees— Continued M ajor m edical Type of expense su bject to deductible Deductible amount Accumulation period and its application Financing Benefit period F ro m incurrence of expenses in From start of disability excess of deductible Coinsurance Maximum benefit Reinstatement Employee Cpmpany E m p loy ee and dependents A ll. $200 C a len dar y e a r, plus 3-month c a r r y o v e r ; a ll d is a b ilitie s . C alen dar ye a r; a ll d is a b ilitie s . 75 percen t. $ 15,000 p er Lifetim e. A ft e r use o f $ 1, 000 o f expense upon evid en ce o f in s u r a b ility . F u ll cost. R e tir e d em p loy ee and dependent Sam e as above. Sam e as above. Same as above. Same as above. Same as above. $ 50 tim es y e a rs o f s e r v ic e ; p er life tim e . F u ll cost. 72 Selected Health and Insurance Company International H a rv e s te r Co. Eligibility (when new employees become eligible) 1 st of month f o l low ing 1 month of e m p lo y ment. Scope of accidental death and di smembe rment Schedule of benefits Life insurance B asis of graduation Optional life insurance Accidental death and dism em berment Accident and sickness Occupa tional Nonoccupational Scope of accident and sickness Occupa tional Nonoccupational X X Accident and sickness Maximum duration Day benefit begins Accident Sickness N o n m a n a geria l em ployees B a s ic w eek ly earnings: $ 2 , 800 — X (1 2) $4,800 L e s s than $48. 08 $48. 08 to $67. 30 5, 800 etc. in in crem en t s o f— 1,0 0 0 $19. 23 to a m axim um of $ 37 5 and o v e r 2 2 , 800 st. (4 ) X 52 w eeks p e r d is a b ility . 1 8 th o r 1 st in h osp ital. (5 ) (M B a sic w eek ly e a rn in gs : .54?. 1 $74 R 0 tr> $ « 4 80 .. . ...... ........ _ _ 40 etc. in in crem en ts o f— $ 1n . _ _____ ..._ . _ .. . 7 to a m axim um of ( 3) M a n a g eria l em ployees B a s ic annual s a la ry : L e s s than $3,500 $8,800 10,800 $3, 500 to $4,499 etc. in in crem en t s of— $ 1,0 0 0 j | 2 ,0 0 0 to a m axim um o f $49, 500 and o v e r 1 102,800 — $ 2 , 800 2 , 800 X X (Death only. ) — — — — — — 2,800 (Death only.) (M L o n g -term disa b il i t y 67 B a s ic annual sa la ry . X V 3 o f base sa la ry to a m axim um of $ 15,000 per year. X Up to age 65. Upon expire ition o f sick le a v e . (3) R e tir e d em ployee (8) 1 | (8 ) M a n ag eria l emplcjyees R e tirin g at age 65 with 25 ye a rs of s e r v ic e . B a sic annual sa la ry : L e s s than $3,500 $3, 000 4, 000 $3, 500 to $4, 000 etc. in increm ents 3 Of---| 1,0 0 0 $ 1,0 0 0 to a m axim um of I 50,000 $49,500 1 Com bination o f term and paid-up insurance. 2 F la t amount ($ 2 ,8 0 0 ) p ro vid ed fo r a cciden ta l death, m u ltid ism em b erm en t, o r lo ss o f both ey es; 50 p ercen t o f The occupational accident and sick ness b en efit is the d iffe re n c e betw een the w o r k m e n 's com pensation b en efit 4 A ccid e n ta l d ism em b erm en t only. 5 M a tern ity a cciden t and sick ness b en efit lim ite d to 6 w eeks. 6 P a ya b le only to em p loy ees earning $4,500 o r m o re annually. P a y a b le fo r the 1st 4 days o f d is a b ility , 7 Sick lea ve payable a fte r absence o f 5 consecu tive w orkin g days. Sick le a v e paid fo r occupational d is a b ilitie s cident and sick ness ben efit. accidental death b en efit p rovid ed fo r s in g le d is m em b erm en t o r lo ss o f one eye. and the amount sp e cified above. with s u p e r v is o r 's approval. is d iffe re n c e betw een w o rk m e n 's com pensation b en efit and fu ll s a la ry . See a lso a c 73 Plans for Salaried Employees Hospital benefits Sick leave Days b enefit Y ears per rear At At of full half service pav pav M a n a g e ria l em p loy ees only Daily benefit or service Maximum duration (days) Extended coverage Days Daily amount Maternity benefit An cillary services 1 1 1 1 11 1 1 1 1 1 1 1 1 26 28 30 32 34 36 38 40 42 44 46 48 50 52 Surgical benefits M o stexpensive Appen dectomy Norm al delivery $ 125 $62. 50 E m p loyee and dependents S em ip riva te ro o m fo r 365 days plus fu ll cost o f sp e cified a n c illa r y s e r v ic e s . S em ip riva te room . 365 days. F u ll cost of s p e c ifie d s e r v ic e s . Sam e as above. L e s s than 14 14 to 15 15 to 16 16 to 17 17 to 18 18 to 19 19 to 20 20 to 21 21 to 22 22 to 23 23 to 24 24 to 25 25 to 26 26 and o v e r Em ergency out-patient care of service Income limits for service surgical and m edical benefits Sam e as above. Sam e as above. R eq u ire d s e r v ic e s provid ed. $250 (7 ) R e tir e d em ployee and dependent9 Sam e as above. Same as above. Sam e as above. A ll em p loy ees r e tir in g at age 60 with 10 ye a rs of s e r v ic e (o r age 55 with 10 y e a r s because o f total and perm anent d is a b ility ) and with 5 y e a rs o f p a rticip a tio n in the plan p r io r to re tirem e n t: Amount o f paid up in su rance in e ffe c t im m ed ia tely p r io r to re tirem e n t o r amount b ased on s e r v ic e as lis te d b elo w , w h ic h ev er is g r e a te r. Y e a r s o f s e r v ic e Y e a r s o f s e r v ic e 10 to 15 $1,100 20 to 25 $1,700 15 to 20 1,400 25 and o v e r 2, 000 R e tir e d m a n a g e ria l em p loy ees have the option o f having e ith e r th e ir b a sic h osp ita l, s u rg ic a l, and m e d ica l b en efit continued on a con tribu tory ba sis o r only th e ir m a jo r m e d ica l ben efit co vera g e continued w ithout cost to them. 74 Selected Health and Insurance Plans M edical allowances Company and date of information Home Office Hospital International H a rv e s te r Co. $5 fo r each day o f con finem ent. E lsew here Maximum number of visits paid for Other benefits Maximum Maximum number of days compensation paid for E m ployee and dependents 365 p e r d isa b ility . $ 1,825 p e r disa b ility. Benefits begin Types and amounts Sickness 1st day. Accident 1st day. A n e sth es ia a llow a n ce: (F o r cases in o r out o f h osp ita l), 20 p ercen t o f s u rg ic a l allow a n ce. D ia gn ostic X - r a y and la b o ra to r y exam in ation allow a n ce: (F o r nonh o s p ita liz e d c a s e s ), m axim u m o f $100 p e r calen dar y e a r. ( 101 ) R e tir e d em ployee and dependent9 Same as above. Sam e as above. Same as above. Same as above. Sam e as a bove. Sam e as above. 1 B e n e fit p ro vid ed p r io r to su rg ery , a fte r s u rg e ry b en efit p ro vid ed only to p h ysician oth er than surgeon. 0 1 Cost o f life in su rance v a r ie s by type o f insu rance, i. e. , te rm in su rance o r a com bination o f te rm insurance and paid-up insurance, age at which f ir s t c o v e r e d by the plan and type of employee; 1 the company pays the balance o f the co st in each case. 75 for Salaried Employees— Continued M a jo r m e d ica l Typ e o f expen se su bject to ded u ctib le D edu ctible amount A c cumulation p e r io d and its application B en efit p e r io d F r o m in cu rre n ce o f expenses in F ro m sta rt ex cess of of d isa b ility deductible Financing Coinsurance M axim vim b en efit R ein sta tem en t M a n a g eria l em p loy ees and dependents A ll. $100 C alen dar ye a r plus 3-month c a r r y o v e r ; a ll d is a b ilitie s . Calendar y e a r ; a ll d is a b ilitie s . 80 percen t. $ 15,000 p e r life tim e . Exception: Outo f-h o sp ita l p s y c h ia tric ca re, 50 percen t. A ft e r use o f $ 1,000 and upon evid en ce of in su ra b ility. E m p loyee Company A ll em p loy ees and dependents T ------------------------H ospita l, s u rg ic a l, m e d ic a l, and acc:idental death and d ism em b erm en t insura nee jF u ll cost. L ife insurance (U ) 1 (U ) M a n a g eria l em p loyees P a id sick le a v e i F u ll cost. L o n g -te rm d is a b ility Annual sa la ry W eekly contribution $4, 500 to $5, 500 $ 0 .40 etc. in in crem en ts o f— $1,000 .12 to a m axim u m of $24,500 2.71 Balance o f cost. M a jo r m e d ica l E m p loyee only ___________ $0. 20 E m p loyee and . 43 d ep en d en t_____________ _ E m p loyee and fa m ily . 53 Balance o f cost, N on m an agerial em ployee s A ccid en t and sickness bene*fit W eekly sa la ry W eekly contribution L e s s than $74. 80 $0. 54 $74. 80 to $84. 80 .63 etc. in in crem en ts o f— $10 .09 to a m axim u m o f $ 124. 80 and o v e r 1.09 R e tire d m a n a gerial em p loyees and dependent9 Sam e as above. Sam e as above. Sam e as above. Sam e as above. Same as above. $ 15, 000 p e r life t im e r e duced by amount r e c e iv e d w h ile an a ctive em p lo yee , i f not rein stated. B alan ce o f cost. R e tir e d em p loy ees and dependent 1---------------------- --L ife in su rance ^ 2 1F u ll cost. 1 H ospita l, s u rg ic a l, and meclica l M onthly contributior i In d iv id u a l___________ Individual and dependent ______ Individual and m o re than one d e pendent __________ $3. 82 8.45 B alance o f cost. 10. 60 M a jo r m e d ic a l9 F u ll cost. 1 2 The com pany pays the fu ll cost o f the d ifferen ce betw een the amount o f paid-up life insurance the em p loy ee has accum ulated and the guaranteed m inim um . 76 Selected Health and Insurance Company International P a p e r Co. Eligibility (when new employees become eligible) A ft e r 6 months of em p lo y m ent. Scope of accidental death and dismemberment Schedule of benefits ~ .. B asis of graduation Life insurance , 1Accidental life 1 death and | dism em msurance f , | berment Accident and sickness Occupa tional Nonoccupational Scope of accident and sickness Occupa tional Nonoccupational Accident and sickness Maximum duration Day benefit begins Accident Sickness Em ployee Annual earn in gs: $ 1, 000 2, 000 5, 000 5, 000 5, 000 5, 000 5,000 10,000 L e s s than $ 1,5 00__ $1,000 2, 000 3, 000 3, 000 3, 000 3, 000 3, 000 3, 000 (M $20 25 30 35 40 45 50 50 26 w e e k s 2 p er d is a b ility . (M R e tir e d em ployee ---------------------------------- !----------------- ,----------------- 1 --------------R e tirin g at age 65 with 15 o r m o re ye a rs of s e r v ic e : Amount o f life and acciden ta l death and d ism em b erm en t insurance in e ffe c t im m ed ia tely p r io r to re tire m e n t m aintained. R e tirin g at age 65 with 10 but less than 15 y e a rs o f s e r v ic e : A p ercen ta g e o f $5,500 o r such le s s e r amount o f in su r ance in e ffe c t im m ed ia tely p r io r to re tire m e n t based on s e r v ic e as indicated below : P e r c e n t o f $ 5,500 o r le s s e r amount m aintained Y e a rs of s e r v ic e 10 11 12 13 14 International Shoe Co. A ft e r 3 months of em p lo y ment. to to to to to 11 ____________________ 1 2 ____________________ 1 3 ____________________ 1 4 ____________________ 15 ____________________ 10 20 30 50 75 . . . . . . 10 . 20 . 30 . 50 . 75 E m ployee Flat. $2, 000 — — $25 X 13 w e e k s 7 p er d is a b ility . — — (7) R e tir e d em ployee In addition, each em ployee w ill r e c e iv e annually, an in c re a s e of $100 o f life and accidental death and dism em b erm en t insurance until 5 such in crea se s h ave been m ade. M a tern ity accident and sick ness b en efit paym ents lim ite d to 6 w eeks. B en efits d es crib e d a re those p ro vid ed em p loy ees o f the N o rth ern D ivisio n , em p loyees o f oth er d ivis ion s a re p rovid ed d iffe re n t ben efits. Dependent on actual d a ily room and board ch a rge s; m axim u m allow an ce lim ite d to $ 840. Lu m p-sum paym ent o f $150 in lieu o f re gu la r h osp ital and su rg ic a l b en efits. 1st. 8th. (7 ) — (7 ) 77 Plans for Salaried Employees Hospital benefits Sick leave Y e a rs of service Days b enefit Der rear At At full half pay pav D aily benefit or service Maximum duration (days) Extended coverage Daily amount Days Maternity benefit A ncillary services Em ergency out-patient care of service $12 $150 (4 ) , $ 12 M o stexpensive Appen dectomy Norm al delivery (5 ) $150 $250 $ 125 6 $ 250 6$ 125 $200 $100 (5 ) R e tire d em ployee and dependent3 7 70 p er ye a r. $ 150 p e r ye a r. $ 150 p e r y e a r. E m ployee and dependents 8 E m p loy ee $12 31 — — $240 (9 1 ) 0 1 $240 0 R e tire d em ployee and dependent M axim u m s u rg ic a l b en efit fo r a ll operations during a y e a r fo r re tir e d w o r k e r and dependent is $250 fo r each. N ot p ayable fo r m a te rn ity d is a b ilitie s . B en efit fo r women is $20 a w eek until D ecem b er 1, 1963. H o sp ita l b en efits p ayable fo r expenses in excess o f $25. Lu m p -su m paym en t o f $100 in lieu o f re gu la r h ospital and su rg ic a l b en efits. A ls o p ayable fo r X - r a y ch arges in d o c to r's o ffic e within 24 hours o f accident. Surgical benefits E m ployee and dependents 3 E m p loyee 6 7 8 9 1 0 Income limits for service surgical and m edical benefits — (9 ) 78 Selected Health and Insurance Plans M edical allowances Company and date of information Home Office Hospital E lsew here Maximum number of visits paid for Maximum number of days paid for Other benefits Maximum compensation Benefits begin Types and amounts Sickness Accident E m p loy ee and dependents 3 International P a p e r Co. $4 fo r each day o f con fin em ent. $250 p e r d isa b ility . 1st day. 1st day. 1st day. 1st day. 1st day. 1st day. R e tir e d em p loy ee and dependent3 $250 p e r y e a r . Sam e as above. E m p loy ee and dependents International Shoe Co. $3 fo r each day o f con fin em e n t.1 1 2 31 p e r d is a b ility. $93 p e r d isa b ility . R e tir e d em p loy ee and dependent 1 Company pays fu ll co st o f b en efit fo r em p loy ees w ith 15 y e a r s o f s e r v ic e re tir in g owing to d isa b ility . O ther em ployees re tirin g p r io r to age 65 pay $0. 60 p e r month p e r $ 1 ,000 u ntil age 65. 1 1 If su rg ic a l o pera tion p e r fo rm e d , allow an ce is g r e a t e r of: (a ) $3 fo r each day o f h osp ita l confinem ent up to day o f operation; and (b) $3 fo r each day o f con fin em en t minus su rg ic a l o pera tion 2 allow ance. 79 for Salaried Employees— Continued M ajor m edical T y p e of expense subject to deductible Deductible amount Accumulation period and its application Benefit period F rom incurrence of expenses in From start excess of of disability deductible Financing Coinsurance Maximum benefit Reinstatement Employee E m ployee and dependents — — — — Company E m p loy ee — — — F u ll cost. Dependents $6. 93 p e r month. R e tir e d em p loy ee and dependent B alan ce o f cost. ----------------- 1 -----------------------L ife insu rance and acciden ta l death and d ism em b erm en t1 1 _ F u ll cost. O ther benefits F u ll cost. E m p loyee and dependents ----,----- --------- ---------L ife in su rance $0.40 p e r month p e r $1,000. | B alan ce o f cost. j O ther i benefits F u ll cost. R e tir e d em p loy ee and dependent 80 Selected Health and Insurance Company S. S. K r e s g e Co. E lig ib ility (when new em p loy ees becom e e lig ib le ) Im m e d ia te ly or 1st of f o l low in g month. (‘ ) Scope o f accidental death and di sm embe rm ent Schedule o f benefits Optional life insurance L ife insurance B asis o f graduation A ccid e n ta l death and d is m e m berm en t A cciden t and sickness O ccupa tional Nonoccupational Scope o f accident and sickness Occupa tional N on occupational A ccid e n t and sickness M axim u m duration Day b en efit begins A ccid e n t Sickness E m ployee Annual ea rn in gs: $ 7,000 000 to $4, 000 9,000 000 to $5, 000 11,000 000 to $6,000 13.000 000 to $ 7, 000 15.000 000 to $ 8, 000 17, 000 000 to $ 9, 000 and up in increm e nts o f 2, 000 to| $ 1,000 to 40.000 | $ 20, 000 and o ver $ 3, $4, $5, $ 6, $ 7, $ 8, (2) R e tir e d em ployee 1 Amount of paid-up insurance in e ffe c t im m ed ia tely p r io r to re tire m e n t. K ro e h le r M anufacturing Co. A ft e r 3 months of e m p lo y ment. Em ployee P r i o r to age 65 Annual s a la ry : L e s s than $2,250 $2, 250 to $3, 000 $3, 000 to $4, 000 $4, 000 to $5, 000 $5, 000 to $6, 000 $6, 000 to $7, 000 $7, 000 to $8, 500 $8, 500 to $10, 000 $10, 000 to $15, 000 $ 15,000 and o ver $2, 500 3, 000 4, 000 5, 000 6, 000 7, 500 8, 500 10, 000 15.000 20.000 Amount equal to 1. 5 tim es annual e a rn in g s: M axim u m . $40, 000. ( 4) $2, 500 3, 000 4, 000 5, 000 6, 000 7, 500 8, 500 10,000 10, 000 10, 000 60 percen t of w eek ly ea rn in g s : Minim um , $25; m axim um , $100. X X X A ft e r age 65; Basic an d optional aimount in e ffe c t im m ed ia tely pric >r to age 65 reduced 10 p ercen t on January 1 and reducisd by like ., amount on next 4 succe eding annive:r s a rie s until amount in e ffect e quals the gr ea ter of: $1, 250, o r 50 percen t of amount ir i e ffect p r io r to the o rig in a l re duction. 1 ... .. R e tir e d em ployee i 1 Same as fo r a ctive em j >loyee a fte r age 65, if em ployee re tir e s p r io r to age 65, reduction begins on January 1 fo l low ing r e tir em ent. E m ployees earning betw een $3, 000 and $4, 000 annually a re not e lig ib le fo r life insurance until a fte r 5 ye a rs of s e r v ic e . Com bination of te rm insurance and paid-up insurance. M ich igan H osp ita l S e rv ic e and M ich igan M ed ica l S e rv ic e (Blue C ros s and Blue Shield plans); em p loy ees in oth er a rea s c o vered by d ifferen t p ro g ra m s. 52 w eeks 5 per d is a b ility . 1st. 8th. 81 Plans for Salaried Employees Sick leave Days b enefit per rear Y e a rs At At of full half service pay Pay___ E m p loyee Hospital benefits Daily benefit or service Maximum duration (days) Extended coverage Days Daily amount Ancillary services Maternity benefit Em ergency out-patient care o r service Income limits for service surgical and m edical benefits Surgical benefits M ostexpensive Appen dectomy Norm al delivery $157. 50 $90 — — E m ployee and dependents 3 S em ip riva te ro o m . 365 F u ll cost of sp e cified s e r v ic e s . F u ll cost of room , board, and s p e cified a n c illa ry s e r v ic e s . R eq u ired s e r v ic e s provid ed . $7, 500 $450 R e tir e d em p loyee and dependent — — — r E m p loyee — — — — — E m ployee and dependents E m ployee, $18; dependents, $12. 50 $ 120 fo r room , $240, plus 75 percen t of ad board, and an ditional ch a rges: c illa r y s e r v ic e s . M axim um , $1,740. R e tir e d em p loy ee and dependent 4 A v a ila b le to e x ecu tives and plant and division a l m anagers only. 5 M a tern ity a cciden t and sickness benefits lim ited to 6 w eeks. — $210 $140 $70 82 Selected Health and Insurance Plans M edical allowances Other benefits Company Home Office Hospital E lsew here Maximum number of visits paid for Maximum number o f days paid fo r Maximum compensation Benefits begin Types and amounts Sickness Accident E m p loyee and dependents 3 S. S. K r e s g e Co. 365 p er d isa b ility . 1st day, $15; 2d through 20th day, $6; t h e r e a fte r, $4. 80 p er day. $1, 785 per d isa b ility . 1st day. 1st day. A n e sth es ia a llow an ce fo r ca ses in o r out o f h osp ital, if a d m in istered by nonhospital e m p lo y e e ; 1st h alf hour o r fr a c tio n th e re o f, $18; next 7z hour, $ 13 .50; each su cceedin g V2 hour, $9. R e tir e d em p loyee and dependent — — — — — — — — — 4th day. 1st day. — E m ployee only K r o e h le r M anufacturing Co. $3 p er v is it . $2 p er v is it. $3 p er v is it. $3 p er v is it . $150 p e r d isa b ility . 7 ( 6) D ia gn ostic X - r a y and la b o ra to r y exam in ations a llow a n ce: $25 fo r any one a ccident o r fo r a ll sick n es ses during 12 co n s ecu tiv e months. A n e sth es ia a llow a n ce: o p era tio n . R e tir e d em p loyee and dependent _ 1 _ _____________ i_____________ — — L im ite d to 3 v is its during any p erio d o f 7 co n secu tive days. A ft e r age 60 m axim u m applied to any 12-consecu tive month p eriod . — —- — — — — $10 p e r 83 for Salaried Employees— Continued M ajor m edical Type of expense subject to deductible Deductible amount Accumulation period and its application Benefit period F rom incurrence of expenses in From start excess of of disability deductible Financing Maximum benefit Coinsurance Reinstatement Employee Company Em ployee and dependents Com bination te r m and paid-up life insurance Annual sa la ry M onthly $3, 000 to $4, 0 0 0 — $5.00 $4, 000 to $5, 000 — 7.00 etc. , in in crem en ts of $ 1,000 2.00 Balance of cost. H ospital, su rg ica l, and m edica l ---- ------R e tir e d em ployee; and dependent — — — — — — — — — — 1 E xecu tives, plant and d iv is io r i m an agers, and dependents $100 C alen dar ye ar; a ll d is a b ilitie s . C alen dar year, 3-m onth c a r r y o v e r ; a ll d is a b ilitie s . 80 percen t. Exceptions: P sy c h ia tric care, em ployee not to ta lly disabled and d e pendent o u t-o fhospital, 50 percen t. $ 5, 000 per ben efit p eriod ; $ 10, 000 p er life tim e . -----------------------,------------------------- A lt e r use of $ 1,000 expen ses; upon e v i dence of in su ra b ility. A ll ben efits except m a jo r m ed ica l Depending on s a la ry c la ss: W eekly (s e e life in su rance). E m ployee and d ependents E m ployee only $0.80 $0. 50 .95 . 65 .85 1. 15 1.05 1. 35 1.20 1. 50 1. 50 1.80 1.70 2. 00 2. 00 2. 30 etc. , in in crem en ts of . 30 Balance o f cost. (8) M a jo r m ed ica l W eekly c o n t r i bution E m ployee -----E m ployee and dependents — £0. 39 Balance of cost. 9.88 R e tir e d em p loy ee and dependent — — — — — E x ecu tives and plant and d ivis ion m anagers pay additional $0,127 per E m p lo y ees pay $ 1 .37 fo r each dependent between age 19 and age 23. — — 1,000 fo r optional life insurance. — — F u ll cost. 84 Selected Health and Insurance Company L e r n e r Shops of A m e r ic a , Inc. E lig ib ility (when new em p loyees becom e e lig ib le ) Scope of accidental death and di smembe rm ent Schedule o f ben efits B asis o f graduation L ife insurance ~ . , 1 A ccid en ta l ° P ; i ° nal death and life i } d ism em m surance f , [ berm en t W ith annual e a rn ings of E a rn in gs: le s s than $500 $30 w eek ly o r le s s $5, 000: $30. 01 to $36. 00 A ft e r w eek ly 750 60 days of $ 36. 01 w eek ly to e m p lo y 1, 500 $ 5, 000 annually ment. $ 5,000 annually and o v e r 2, 500 W ith an Amount equal to nual e a rn ings of annual $ 5, 000 o r s a la ry . o v e r: A t age 65 optional life insurance reduced to A fte r 90 days o f o n e-h a lf annual earnin gs. e m p lo y ment. A cciden t and sickness Occupa tional Nonoccupational Scope o f accident and sickness Occupa tional N on occu pational Accident and sickness Maximum duration Day benefit begins A ccid e n t Sickness Em ployee $500 750 1, 500 X X (* ) 26 w eeks 2 p er year. 8th. 8th. (M One -h alf w eek ly sa la ry ; m axim um , $50. (M (M C) 1, 500 R e tir e d em ployee 1 1 Same as fo r a ctive em p loyee at age 65. M c C ro ry Corp. (M e C r o r y -M c L e lla n — reen G Stores D ivisio n ). L ife in su rance: G en era l em p loy ees, 2 years; oth er e m p lo yee s, 3 months. — — — — — — — — ( 3) — ( 3) ( 3) ( 3) — — — Em ployee G en era l em p loy ee: F la t. A ssista n t departm ent heads, assistan t bu yers, s u p e rv is o ry em p lo y ees, fountain m a n a gers, restau ran t m a n a gers, m en and w om en in tra in in g : F la t. O ther b en efits: Im m e d ia tely o r 1st o f f o l E x ecu tives, assistan t low in g ex ecu tives, d e p a rt month. ment heads, sto re m a n a gers, bu yers, d is tr ic t m a n a gers, restau ran t d is tr ic t m a n a gers: B asic annual ea rn in gs, le s s than $10,000 $10, 000 to $15, 000 $15,000 and o v e r O ffic e r s D ire c to r s ( 3) $2, 000 5, 000 10, 15, 20, 25, 10, 000 000 000 000 000 R e tir e d em ployee — — — — — — — — — 1 A p p lica b le only to s a la rie d em p loy ees o f P h ila d elp h ia , Penn. , and Connecticut s to re s . E m p loy ees in N ew J e r s e y , New Y o rk , Rhode Islan d, and C a lifo rn ia a r e c o v e r e d by State te m p o r a r y d is a b ility law s. F o r d eta iled su m m aries o f the ben efits p rovid ed under these la w s, see BLS B u lletin 1330 (op. c i t . ). 2 M a tern ity accident and sick ness ben efits paym ents lim ite d to 6 w eeks. 85 Plans for Salaried Employees Hospital benefits Sick leave Y e a rs of service Days b enefit per rear At At half full pay pay Daily benefit or service Maximum duration (days) Extended coverage Days Daily amount An cillary services Maternity benefit Em ergency out-patient care o r service Income limits for service surgical and m edical benefits Surgical benefits M ostexpensive Appen dectomy Norm al delivery $250 $125 $75 — — — — Individual, $2, 500; fa m ily , $4, 000. $500 $125 $75 — — E m ployee and dependents E m p loyee S em ip riva te ro o m . 120 F u ll cost of sp e cified s e r v ic e s . S em ip riva te ro o m fo r 120 days plus fu ll cost of sp e c ifie d a n c il la r y s e r v ic e s . R eq u ired s e r v ic e s p rovid ed . R e tir e d em ployee and dependent — — — — — — E m p loyee — E m ployee and dependents 4 S em ip riva te ro o m . 21 180 50 percen t o f cost of s e m ip riva te ro o m . F u ll cost s p e c i fie d s e r v ic e s fo r 1st 21 days; 50 percen t o f cost fo r addi tion a l 180 days. $80 fo r room ,, board, and an c illa r y s e r v ic e s . $7. 25 R e tir e d em p loyee and dependent — — — — — — — — — 3 No a cciden t and sick n ess insurance ben efit p rovid ed by plan; em p loyees c o v e r e d by the New Y o rk State te m p o ra ry d is a b ility law . F o r a deta iled su m m ary o f the benefits p rovid ed under th is law , see BL.S B u lletin 1330 (op. c i t . ). 4 A s s o c ia te d H o sp ita l s e r v ic e of New Y o rk and United M ed ica l S e rv ic e , In c. (B lu e C ros s and Blue Shield p lan s); em p loy ees in oth er a rea s c o v e r e d by d iffe re n t p ro g ra m s . 86 Selected Health and Insurance Plans Medical allowances Other benefits Company Home Office Hospital Elsew here Maximum number of visits paid for Maximum number of days paid for Maximum compensation Benefits begin Types and amounts Sickness Accident E m ployee and dependents L e r n e r Shops o f A m e r ic a , Inc. 1st 2 days, 2 p er day. 1st 2 days, $4 p er v is it ; 3d through 21.st day, $4 p e r day; 22d through 201st day, $14 p er w eek. 201 p e r d is a b ility . $452 p e r d isa b ility . 1st v is it. 1st v is it . A n e sth es ia a llow a n ce: (F o r ca ses in o r out o f h osp ita l), 20 p e r cent o f s u rg ic a l a llow a n ce; m in i mum, $15. R a d ia tion th era p y a llow a n ce: (F o r c a ses in o r out o f h osp ita l), $ 7 .5 0 p e r trea tm e n t; m a x i mum, $200 p e r y e a r . E le c tr o -s h o c k th era p y a llow a n ce: (F o r c a s e s in o r out o f h osp ita l), $10 p e r trea tm e n t; m axim u m , $100 p e r y e a r . ( 5) R e tir e d em p loy ee and dependent — — — — — — — — — — 1st. A n e sth es ia a llow a n ce: (F o r ca ses in o r out o f h osp ita l), 20 p e r cent o f s u rg ic a l a llow a n ce; m in i mum , $ 1 5. E m p loy ee and dependents M c C ro ry C orp. (M c C ro ry — c L e lla n — reen M G Stores D ivisio n ). 1st 2 days, 2 p er day. 1st 2 days, $4 p er v is it ; 3d through 21st day, $4 p er day; t h e r e a fte r, $14 p e r w eek. 201 $452 1st. R a d ia tion th era p y a llow a n ce: (In o r out o f h osp ita l), $7. 50 p e r trea tm e n t; $200 p e r co n tract y e a r . E le c tr o -s h o c k th era p y a llow a n ce: (F o r c a s e s in o r out o f h osp ita l), $15 p e r trea tm e n t; m axim u m , $150 p e r con tract y e a r . R e tir e d em p loy ee and dependent — Plus consultation a llow an ce o f $10. — — — — — — — — 87 for Salaried Employees— Continued M ajor m edical Type of expense subject to deductible Deductible amount A c cumulation period and its application Benefit period F rom incurrence of expenses in From start excess of of disability deductible Financing Coinsurance Maximum benefit Reinstatement Employee Company E m p loyee and dependents — — — — — — — 1 L ife insurance — $0. 60 p er $1,000 p er month in ex cess o f fir s t $2, 500. 1st $2, 500, fu ll cost. A m ount in excess of $2, 500, balance of cost. O ther ben efits F u ll co st. - Dependents F u ll cost. R e tir e d em ploye*e and dependent — — — — — — — — F u ll cost. — E m p loy ee and dependents $ 100 o r 1 p e r C alen dar y e a r; cent o f annual a ll d is a b ilitie s . ea rn in gs, w h ic h ev er is gre a te r. _ C alen dar y e a r. 75 percen t. $ 5, 000 p er calen dar y e a r ; $ 10, 000 p er life tim e . L ife Upon evid ence of in su ra bility. 1 insurance E xecu tive and dep artm en t heads Amount of insurance $5, 10, 15, 20, 25, Annual contribu tion 000 000 000 000 000 $21.50 43, 00 64. 50 86. 00 107.00 B alance of cost. O ther en ip lo y ee s — F u ll co st. M a jo r m e d ica l 75 p ercen t of cost. 25 p ercen t of cost. H osp ita l, s u rg ica l, and m edica l F u ll cost. R e tir e d em p loy ee and dependent — 88 Selected Health and Insurance Company E lig ib ility (when new em p loy ees becom e e lig ib le ) Scope o f accidental death and di sm embe rm ent Schedule o f ben efits B asis o f graduation L ife insurance Optional life insurance A ccid en ta l death and d is m e m berm en t A cciden t and sickness Occupa tional N onoccupational Occupa tional N on occu pational Accident and sickness M axim u m duration Day ben efit begins A ccid e n t Sickness E m ployee M elpar, Inc. 1 P a id sick lea ve: Exem pt em p lo y ees, im m e d i a tely o r 1st of fo llo w ing month; nonexem pt em p loy ees, a fte r 6 months of em p lo y ment. Annual earn in gs: L e s s than $2,860 $ 2, 860 to $ 3, 900 $3, 900 to $5, 200 $5, 200 to $6, 500 $6, 500 to $ 7, 800 $7,800 to $10, 400 $ 10, 400 and o v e r $3, 000 3, 500 5, 000 6, 500 8, 000 10,000 15,000 $3, 000 3, 500 3, 500 3, 500 7, 500 7,500 7, 500 X $35 40 40 50 50 60 70 Other b e n e fits : A ft e r 1 month o f em p lo y m ent. R e tir e d em ployee 1 S ub sidiary o f W estinghouse A i r B ra k e Co. 2 M a tern ity a cciden t and sick n ess paym ents lim ite d to 6 w eeks. Paym en ts reduced by amount o f a cciden t and sickness w eek ly b en efit insurance o r w orkm en com pensation ben efit. Scope o f accident and sickness X 13 weeks 2 p er d is a b ility . 1st. 8th. 89 Plans for Salaried Employees Sick leave Hospital benefits Days b enefit per fear Years At At of full half service pay 3 pay___ E xem p t em p loy ees — — 4 10 Daily benefit or service Maximum duration (days) Extended coverage Days Daily amount An cillary services Em ergency out-patient care o r service M ostexpensive Appen dectomy Norm al delivery $12 ( 4) 5 $ 120 5 5Vz R oom and board, $ 12 p e r day fo r 14 days; a n c illa r y s e r v ic e s , $ 120. $15 $250 $ 166.67 $83. 33 $15 $150 $ 100 $50 6 6 V2 7 7 V2 8 8 V2 9 9 y2 10 Dependents $10 ( 5) $ 100 R oom and b o a rd , $10 p e r day fo r 10 days; a n c illa r y s e r v ic e s , $ 100. ( 6) R e tir e d em ployee and dependent 4 M axim u m accum ulation, 20 days. 5 Dependent on actual ro o m and board ch arges; maximum a llow an ce fo r em p loy ee is $372 p e r d isa b ility ; fo r dependents, 6 M axim u m accu m u lation, 10 days. S urgical benefits E m ployee N on exem pt em p loy ees 6 months to 1 1 1 and 1 month 1 and 2 months 1 and 3 months 1 and 4 months 1 and 5 months 1 and 6 months 1 and 7 months 1 and 8 months 1 and 9 months Maternity benefit Income limits for service surgical and m edical benefits $310 p e r d isa b ility . 90 Selected Health and Insurance Plans Medical allowances Other benefits Company Home Office Hospital Elsew here Maximum number of visits paid for Maximum number of days paid for Maximum compensation Benefits begin Types and amounts Sickness Accident E m p loyee and dependents E m e rg e n c y m e d ic a l c a re a llow a n ce: (F o r trea tm e n t w ithin 5 days o f a cciden t if p ro v id e d by ph ysician who is not an em p loy ee of a h osp ita l), $ 15. Melpar, Inc. R e tir e d em ployee and dependent 91 for Salaried Employees— Continued Maj or m edical Type of expense subject to deductible Deductible amount Accumulation period and its application Financing Benefit period F rom incurrence of expenses in From start excess of of disability deductible Coinsurance Maximum benefit Reinstatement Company E m p loyee E m ployee and dependents A ll. G re a te r o f (a) b asic b e n efits; and (b) $300. 6 consecu tive months p e r d isa b ility . — 2 years; per d isa b ility . 80 percen t. ( 7) $ 10,000 p er d isa b ility . A ft e r use o f $1,000 A ll b en efits fo r expense and upon evid en ce o f in s u r Annual ea rn in gs: a b ility. P e r month Em p lo yee L e s s than $ 2, 860___ $ 0 .7 3 $2,860 to $3, 9 0 0 ___ .7 9 $3, 900 to $5, 200___ . 86 $5, 200 to $6, 500___ 1.00 $6,500 to $7, 800____ 1. 10 $7,800 to $ 10,400__ 1.26 $10,400 and o v e r ___ 1. 57 R e tir e d em p loyee and dependent 7 P s y c h ia t r ic c a re e x p en ses, except as a resu lt o f orga n ic d is o rd e r, is not a c o vered expense. D ependent $ 1 .4 0 1.46 1. 53 1.67 1. 77 1.93 2. 24 Balance of cost. 92 Selected Health and Insurance Company The New Y o rk T im es Co. Eligibility (when new employees become eligible) A ft e r 6 months of e m p lo y ment. Scope of accidental death and dismemberment Schedule of benefits B asis of graduation Life insurance Optional life insurance Accidental death and dism em berment Accident and sickness Occupa tional Nonoccupational Scope of accident and sickness Occupa tional Nonoccupational Accident and sickness Maximum duration Accident Sickness E m ployee $ 1, 000 F la t. Supplem ental in s u r ance: D epartm en t m an agers and key sta ff a ssistan ts. Annual sa la ry , less $ 1, 000. 1 ( 2) ( 2) ( 2) Annual sa la ry . O ffic e r s and m a jo r dep artm en t heads. 2 tim es annual s a la ry . A t age 65: F la t. $1,000 O ptional life insurance Am ount in e ffe c t im m ed ia tely p r io r to age 65 rem a in s in e ffe c t un t il age 66, then redu ced 20 p ercen t each y e a r until at age 7 0 when on]ly the fla t ba sis insurance is in e i ffect. Supplem entary life insr iran ce: Am ount in e ffe c t imme< iia t e ly p r io r to age 65 continu*ed fo r 1 y e a r , then reduced 10 ]percent each y e a r fo r 5 y e a r s . R e tir e d em ployee Sam e as a c tiv e employe ;e at age 65. O ptional insurance in cre a s e d in in crem en ts o f $500 to b rin g total life insurance ben efit, including b a sic, to the le v e l of 1 y e a r 's No accident sickness in su rance b en efit p ro v id e d except as re q u ired by State law; em ployee c o v e r e d by paid sick lea ve plan. Day benefit begins s a la ry , m axim um $30, 000. ( 2) (2) (2) 93 Plans for Salaried Employees Hospital benefits Sick leave Years of service Days benefit per year At At half full pay pay Daily benefit or service Maximum duration (days) Extended coverage Days Daily amount A n cillary services Maternity benefit Emergency out-patient care o r service Income limits for service surgical and m edical benefits Surgical benefits Appen dectomy M ostexpensive Norm al delivery E m ployee and dependents L e s s than 1 1 to 2 2 to 3 O ver 3 __ 6 6 2 fo r each year, unused portion cum ula tive. (3) 2 S em ip riva te 4 room . 4 2 fo r each year, unused po rtio n cu m u la tiv e . 50 p ercen t o f cost of s e m i p r iv a te room . F u ll cost of s p e c ifie d a n c il la r y s e r v ic e s fo r 1st 21 days; 50 p ercen t o f co st of sp e cified a n c illa r y s e r v ic e s fo r ad d i tion al 180 days. Option A $ 80 fo r room , board, and a n c illa ry s e r v ices . In dividual, $4,000; fa m ily , $ 6, 000. $500 $175 $75 Option 'B 4 1 I F u ll cost o f a ll s u rg ica l p rocedu res. ( 3) R ' fir e d em ployee and dependent Same as above. Same as above. Same ai above. Same a above. Sam e as above. Option A Same as above. Sam e as above. Sam e as above. Sam e as above. Option B 4 ---------- ! [ ------ F u ll cost of a ll su rg ica l procedu res 3 Sick le a v e pay redu ced by b en efit re c e iv e d under State laws o r c o lle c tiv e bargainin g agreem en t. 4 B e n efits a re p r o v id e d through The Health Insurance Plan of G re a te r New Y o rk ; w o rk ers who u tilize the s e r v ic e s o f Plan physicians re c e iv e paid in fu ll s u rg ica l and m e d ica l s e r v ic e s a re p ro vid ed by o th er ph ysician s, cash benefits a re provid ed pursuant to a m e d ic a l-s u rg ic a l indem nity fee schedule. ca re ben efits. If 94 Selected Health and Insurance Plans M edical allowances Other benefits Company Home Hospital Office Maximum number of visits paid for E lsew here Maximum number of days paid for Benefits begin M axim um compensation Types and amounts Sickness Accident E m p loy ee and dependents The New Y o rk T im es Co. Option A 201 1st 7 days, $7 p er day; 8th through 14th day, $6 p er day; 15 th through 70th day, $5 p er day; 70th through 201st day, $4 p e r day. 1st day. $899 1st day. A n e sth es ia a llo w a n ce: (F o r ca ses in o r out o f h o s p ita l), 20 p ercen t o f s u rg ic a l a llow a n ce; m in im u m , $20. R a dia tion th erapy a llow a n ce: (F o r ca ses in o r out o f h o sp ita l), $10 p e r trea tm e n t; m axim u m $250 p er year. E le c tr o -s h o c k th era p y a llow a n ce: (F o r ca ses in o r out o f h o sp ita l), $15 p e r trea tm e n t; m axim u m , $ 150 p e r y e a r . Option B 4 | 1 I 1 1 i i i i ' ( F u ll cost o f a ll m e d ica l e x p en ses5 i 1 1 1 ----------------------------------------------------- i___________ i i i______________ R e tire d em p loyee and dependent Option A — — Sam e as above. — Same as above. — Same as above. Same as above. Sam e as above. Sam e as a bove. Option B 4 1 1 [ 1 ” r i r nr 1 i F u ll cost ; o f a ll m e d ic a l expenses 5 1 1 1 5 E xceptions a re fo r h om e v is its by group d o cto r betw een 10 p. m and 7 p. m . , w h e re a ch a rge o f $2 p e r v is it is made; and fo r adm in istration o f anesthesia. 11 95 for Salaried Employees— Continued M ajor m edical Type of expense subject to deductible Deductible amount Accumulation period and its application Financing Benefit period F rom incurrence of expenses in From start excess of of disability deductible Coinsurance Maximum benefit Reinstatement Employee Company Employee and dependents 6 A ll. M em bers of ba sic plan. $ 100; non m em bers of basic plan, $500. Calendar year plus 3-month carryov er; all disabilities. Calendar year; a ll disabilities. 75 percent. $4, 000 per lifetim e. A fter use of $ 1,000 of expenses and upon ev idence of insurability. -----“----------------------------------------------------------------------------------------1 B a sic and optional life insurance $0. 60 per $ 1, 000 per month exceeding $ 1, 000. F ull cost of first $ 1, 000, balance of cost of excess. Supplemental life insurance and paid sick leave 1 [Full cost. Other benefits Balance of cost. Retired employee and dependent available to employees and dependents electing option A in surgical-m ed ical coverage. $9. 66 per month. 96 Selected Health and Insurance Company E lig ib ility (when new em ployees becom e e lig ib le ) N orth A m e r ic a n A via tion , Inc. A ft e r 3 months of em p lo y m ent. Scope of accidental death and dism em berm ent Schedule of ben efits B asis o f graduation L ife insurance Optional life insurance A ccid en ta l death and d ism em berm en t A cciden t and sickness O ccupa tional Nonoccupational Scope o f accident and sickness Occupa tional N on occu pational A ccid e n t and sickness M axim um duration Day b en efit begins A ccid e n t Sickness E m ployee M onthly sa la ry : L e s s than $350. 00 $350.00 to $400. 00 $400. 00 to $450. 00 $450.00 to $500. 00 $500. 00 to $ 600. 00 $600.00 to $700. 00 $700.00 to $833. 33 $833. 33 to $1,000.00 $1,000.00 to $1, 166.66 $1, 166.66 to $ 1, 333.33 $1,333.33 to $1, 500.00 $1,500.00 to $1, 666.66 $1, 666.66 to $1,833.33 $1, 833.33 to $2, 000.00 $2, 000.00 to $2,291.66 $2, 291.66 to $2, 708.33 $2, 708.33 to $3, 125.00 $3, 125.00 to $3, 541.66 $3,541.66 to $3,958.33 $3, 958.33 and o v e r $5, 000 7, 500 10,000 12, 500 15, 000 17, 500 20,000 25,000 27,000 30,000 34,000 38,000 42, 000 46, 000 50,000 60,000 70, 000 80,000 90,000 100,000 $5, 000 7, 500 10, 000 10, 000 10, 000 10,000 10, 000 10,000 10,000 10,000 10, 000 10, 000 10, 000 10, 000 10, 000 10,000 10,000 10,000 10,000 10,000 (* ) X X (* ) ( x) (l ) ( x) (l) R e tir e d em ployee No accident and sickness b en efit p ro vid ed for m a jo rity o f em p loyees under this law , see Bulletin 1330 (op. c i t .) . these em p loyees c o vered by C a lifo rn ia State tem p orary d is a b ility law . F o r a d e ta ile d su m m a ry o f the ben efits p rovid ed 97 Plans for Salaried Employees Sick leave Y ears of service Days b enefit per ^ rear At At half full pay Pay___ Hospital benefits D aily benefit or service Maxim vim duration (days) Extended coverage Days Daily amount An cillary services Maternity benefit E m p loy ee Em ergency out-patient care o r service Income limits for service surgical and m edical benefits Surgical benefits M o stexpensive Appen dectomy Norm al delivery $825 $220 $105 $350 $175 E m p loyee and dependents2 3 $32 120 F u ll cost of s p e c ifie d s e r v ic e s . Room and R eq u ired s e r v board, $12 p e r ices p rovid ed. day fo r 14 days; a n c illa r y s e r v ic e s , 4 $ 120. R e tir e d em ployee and dependent $24 70 $480 $480 H osp ita l b en efits d e s c rib e d a re those a va ila b le to the la rg e s t group o f em p loyees c o v e re d by the plan. Reduced by $12 p e r day during the fir s t 20 days o f hospital confinem ent (the h osp ital b en efit p rovid ed under the C a lifo rn ia State te m p o ra ry d is a b ility law ). 4 F o r em p lo y ee only. 98 Selected Health and Insurance Plans M edical allowances Other benefits Company Home Office Hospital E lsew here Maximum number of visits paid for Maximum number of days paid for Benefits begin Types and amounts Sickness Accident E m p loyee and dependents N o rth A m e r ic a n A via tion , Inc. Maximum compensation $3 p e r v is it . $ 2 per v is it . $5 p e r day. $3 p e r v is it. 1 p e r day. H ospital: 120 p e r ye a r. H ospital: $600 p er year; oth er, $150 p e r ye a r. 3d day, or 1st in h osp i tal. 1st v is it . A n e sth es ia a llow an ce: (F o r s u rg e ry p e r fo r m e d outside h osp ita l), up to $10. P o lio ex pen se allow a n ce: (F o r e x pen ses not c o v e r e d by oth er plan b en efits in cu rre d w ithin 2 y e a r s a ft e r date o f con traction o f d is e a s e ), up to $5,000. Supplem ental accid en t expense a llow a n ce: (F o r expen ses in e x ces s o f those c o v e r e d by o th er plan b e n efits, in cu rre d w ithin 90 days a ft e r a ccid e n t), up to $300. R e tire d em ployee and dependent $3 p e r day. 70 p e r d isa b ility . $210 p e r d isa b ility . 1st day. 1st day. 99 for Salaried Employees— Continued M ajor m edical Type of expense su bject to deductible Deductible amount Accumulation period and its application Benefit period F rom incurrence of expenses in From start excess of of disability deductible Financing Coinsurance Maximum benefit Reinstatement Employee Company E m ployee and dependents A ll. $50, C alen dar ye a r; a ll d is a b ilitie s . C alendar y e a r; a ll d isa b ilities . 80 percen t. Exception: Outo f-h o sp ita l p s y c h ia tric ca re , 50 percen t. $ 5, 0 0 0 p e r y e a r , $10,000 p e r life tim e . A ft e r use o f $1,000; upon evid en ce o f in su ra b ility . M onthly s a la r y : M onthly ' c o n tr i bution, em p loy ee on ly* L e ss than $350_________ $1.00 $350 to $400__________ 2.25 $400 to $450__________ 3.50 $450 to $500__________ 4. 75 $500 to $600__________ 6.00 $600 to $700-------------- 7. 25 $700 to $833___________ 8.50 $833 to $1,000________ 11.00 $1, 000 to $1, 166-------- 12. 25 $1, 166 to $1, 3 3 3 -____ 13. 50 $1,333 to $ 1, 500._____ 15.50 $1,500 tp $1, 666______17.50. $1, 666 to $1, 833_____ 19. 50 $1,833 to $2, 000_____21. 50 $2, 000 to $2, 291_____ 23. 50 $2, 291 to $2, 708_____ 30.05 $2, 708 to $3, 125____ .35.05 $3, 125 to $3, 541_____ 40.05 $3,541 to $3,958_____ 45.05 $3, 958 and over______ 50. 05 Balance of cost. R e tire d em ployee and dependent Sam e as above. G r e a te r of: (a ) b a s ic b en efits, and (b) $100. 12 months; a ll d is a b ilitie s . 12 months; a ll d is a b ilitie s . Same as above. M onthly contri bution $ 5, 000 p e r l i f e tim e. E m p loy ee only E m p loy ee and dependent $5. 50 B alan ce o f cost. 13. 50 5 E m p loy ees ea rn in g le s s than $2, 291 p e r month pay an additional $ 1 .5 0 p e r month fo r dependent c o v e ra g e ; em p loyees earn in g $2, 291 o r m o re p e r month pay an additional $2 p e r month fo r d e pendent c o v e r a g e . 100 Selected Health and Insurance Company E lig ib ility (when new em ployees becom e e lig ib le ) P a c ific Gas and E le c tr ic Co. Pa id sick le a v e : A ft e r 1 ye a r of em p lo y ment. Other b e n e fits : A ft e r 6 months of em p lo y ment. Scope of accidental death and di smembe rment Schedule of benefits B asis o f graduation L ife insurance Optional life insurance A ccid en ta l death and d ism em berm ent A ccid en t and sickness Occupa tional Nonoccupational Scope of accident and sickness O ccupa tional Nonoccupational Accident and sickness Maximum duration Day benefit begins Accident Sickness E m ployee M onthly sa la ry : L e s s than $200 $200 to $250 $250 to $300 $300 to $350 $350 to $400 $400 to $450 $450 to $500 $500 to $550 $550 to $600 $600 to $700 $ 700 to $800 $800 to $ 1,000 $ 1,000 to $1,500 $ 1, 500 to $ 2, 000 $2, 000 to $2, 083 $ 2,083 and o v e r $4, 000 5, 000 7, 000 8, 000 9, 000 10,000 11,500 13, 000 14, 000 16, 000 18, 000 20,000 30, 000 40, 000 50, 000 2 tim es annual sa la ry ; m axim um , $300, 000. O ccupa tional only: 85 percen t o f b asic w eek ly sa la ry , less w o r k m en's com pen sation benefit. R e tir e d em ployee F la t. $1, 000 X 240 w eeks. 1st. 1st. 101 Plans for Salaried Employees Hospital benefits Sick leave Y ears of service Days b enefit oer rear At At half full pay pay Daily benefit or service Extended coverage Maximum duration (days) Daily amount Days E m p loyee Ancillary services Income limits for service surgical and m edical benefits Em ergency out-patient care or service Maternity benefit 21 $14 $12 $1,000 R eq u ired s e r v ices p rovid ed . $500 159 M o stexpensive Appen dectomy Norm al delivery E m p loyee and dependents E m p loyee iO <l ) Surgical benefits Sam e as above. $600 $ 160 $225 $150 Dependents $12 180 R e tir e d em ployee and dependent $16 30 $320 plus 75 p ercen t o f next $2, 000. ! || i 1 1i _ 1 A ccu m u lated at t hj accum ulated and cu rren t iea v _ e _ o f 10 days p er ye ar. _ _ _ _ _ _ Unused le a v e accu m u lative to a m axim um o f 80 days. _ _ _ _ U nder sp e c ifie d conditions an additional 20 days is granted upon exhaustion of 102 Selected Health and Insurance Plans M edical allowances Other benefits Company Home Office Hospital E lsew here Maximum number of visits paid for Maximum number of days paid for Benefits begin Types and amounts Sickness Accident Employee Pacific Gas and E lectric Co. Maximum compensation $4. 50 pe r visit. $3 per visit. $3 per visit. 1 per day. I Hos]pital $500 per calendar year. 1st visit. | 1st visit, Home o r office 3d visit. 1st visit. Diagnostic X -r a y and laboratory examination allowance: (F o r nonhospitalized c a se s), $50 for any one accident or sickness p e r c a l endar year. Dependents Employee and dependents Additional nonoccupational a c c i dent expense allowance: (F o r e x penses not covered by other plan benefits incurred within 3 months after date of accident), employee, $300; dependent, $150. Retired employee and dependent $5 per visit. 1 per day. $250 per calendar year. 1st visit. 1st visit. Additional nonoccupational a c c i dent expense allowance: (F o r e x penses not covered by other plan benefits incurred within 3 months after date of accident), employee, $300; dependent, $300. 103 for Salaried Employees— Continued M a jo r m edical Type of expense subject to deductible Deductible amount A c cumulation period and its application Benefit period From incurrence of expenses in From start excess of of disability deductible Financing Coinsurance Maximum benefit Reinstatement Employee Employee and dependents A ll. $100 Calendar year, 3 -month c a rry over; a ll d isa bilities. Calendar year; a ll disabilities. 75 percent. Company ------- 1 --------------Life insurance $5,000 per life Annual automatic re s toration up to $1,000 time. and after use of $1,000 $0.50 per $1,000 per Balance of cost. of expenses; complete month. reinstatement upon Paid sick leave evidence of in su ra bility. F u ll cost. Other benefits Monthly contribution Employee o n ly ___ Employee and dependent__ Employee and 2 dependents____ Retired employee and dependent $2. 10 10. 00 17.90 Balance of cost. 101 Selected Health and Insurance Company Pen n sylvan ia R a ilro a d Co. E lig ib ility (when new em p loyees becom e e lig ib le ) Im m ed i a tely o r 1st o f fo llow in g month. Scope of accidental death and dismemberment Schedule of benefits L ife insurance B asis o f graduation Optional life insurance A ccid en ta l death and d ism em berm ent A ccid en t and sickness Nonoccupational Accident and sickness Occupa tional Nonoccupational Maximum duration (M O ccupa tional i 1 ) (l ) Day bene fit begins Accident Sickness (M (l ) E m ployee P r i o r to age 65 C ) Annual earnings: U nder $7, 200 A ft e r 1 ye a r Annual s a la ry . A ft e r 2 ye a rs 2 tim es annual ea rn in gs. $ 7, 200 o r m o re . 2 tim es annual earnings. A t age 65 Am ount in e ffe c t im m ed ia tely p r io r to age 65 reduced 10 p ercen t and 10 p e r cent on 4 succeeding a n n iv e rs a rie s to 50 p ercen t o f such amount. Same as basis o f gra du a tion. Same as a ctive e m p lo yee at age 65. Same as basis o f gra d u a tion. R e tir e d em ployee No accident and sickness ben efit o r paid sick lea ve p rovid ed ; em p loyees c o v e re d by Scope of accident and sickness R a ilro a d U nem ploym ent Insurance A ct. 105 Plans for Salaried Employees. Hospital benefits Sick leave Y ears of service Days benefit per vear At At full half pay pay Daily benefit or service Maximum duration (days) Extended coverage Days Daily amount An cillary services Maternity benefit ( X) Surgical benefits M o stexpensive Appen dectomy Norm al delivery $150 $75 E m p loyee and dependents E m p loy ee (*) Em ergency out-patient care o r service Income limits for service surgical and m edical benefits 0) S em ip riva te room . 120 $75 fo r room , board, and s p e c ifie d s e r v ic e s . $250 $100 $300 R e tir e d em ployee and dependent Sam e as above. 30 Sam e as above. Same as above. Sam e as above. 106 Selected Health and Insurance Plans M edical allowances Other benefits Company Home Office Hospital Elsew here Maximum number of visits paid for Maximum number of days paid for Maximum compensation Benefits begin Types and amounts Sickness Accident E m p loyee P en n sylvan ia R a ilro a d Co. r $ 5 per v is it. (2) $4 p e r v is it. (2) In hospital: $120 p er d isa b ility . 1st day $15; 2d day $10; 3d through 11th day $4; t h e r e a fte r, $3 p e r day. Hos pital $388 p e r d isa b ility . 1st day. J 1st day. Home anid o ffic e 4th v is it. (2) 4th v is it . (2) Dependents — — Sam e as above. — — Sam e as above. Sam e as above. 1st day. 1st day. 1st day. 1st day. R e tir e d em p loy ee and dependent $4 p er day. $30 p er d isa b ility . $120 p e r d isa b ility . 2 H om e and o ffic e v is its a fte r retu rn to w ork fo llo w in g d is a b ility o f at le a s t 7 days a re lim ite d to a total o f 3 v is its during the 30-day p erio d fo llo w in g retu rn to w ork. 107 for Salaried Employees— Continued M ajor m edical Type of expense subject to deductible Deductible amount Accumulation period and its application Benefit period F rom incurrence of expenses in From start excess of of disability deductible Financing Coinsurance Maximum benefit Employee and dependents Reinstatement Employee Company 108 Selected Health and Insurance Company Chas. P fiz e r & Co. , Inc. E lig ib ility (when new em p loyees b ecom e e lig ib le ) A ft e r 3 months o f e m p lo y m ent. Scope o f accidental death and d ism em b erm en t Schedule o f ben efits B a sis o f graduation L ife insu rance Optional life insurance A ccid e n ta l death and d is m e m b erm en t A ccid e n t and sickness O ccu pa tional Nonoccupational Scope o f accident and sickness O ccupa tional N on occu pation al A ccid e n t and sick ness M axim u m duration Day b en efit begins A cc id e n t S ickness E m ployee Annual s a la ry : $3, 500 5, 000 7, 500 1 0 , 000 1 2 , 000 14, 000 16, 0 0 0 18, 0 0 0 2 0 , 000 2 0 , 000 2 0 , 000 2 0 , 000 2 0 , 000 2 0 , 000 2 0 , 000 $3, 500 L e s s than $3,000 5, 000 $ 3, 000 to $4, 000 $4,000 to $5,000 7, 500 1 0 , 000 $5, 000 to $ 6 , 000 1 2 , 000 $ 6 , 000 to $7, 000 $7, 000 to $ 8 , 000 14.000 16, 0 0 0 $ 8 , 0 0 0 to $ 9 , 0 0 0 18, 0 0 0 $ 9 , 0 0 0 to $ 1 0 , 0 0 0 2 0 , 000 $ 1 0 , 0 0 0 to $ 1 1 , 0 0 0 2 2 , 000 $ 1 1 , 0 0 0 to $ 1 2 , b o o $12, 000 to $13, 000 24.000 2 6 , 000 $13, 000 to $14, 000 28, 0 0 0 $14, 000 to $15, 000 $15, 000 to $16, 000 30, 000 $16, 0 0 0 to $ 18, 0 0 0 34.000 etc. in in crem e nts o f $ 2 , 000 4, 000 to a m axim u m 0 f $ 50, 000 and o v e r j 10 0 , 000 20 (*) X (l ) (l ) (>) C ) — — , 000 A t age 6 8 : Am ount i n e ffe c t im m e d ia te ly p r io r to age 6 8 r e duced 50 p ercen t o r t;o $3, 500, w h ic h ev er is g r e a te r. 1 _ R e tire d em ployee F la t. P ittsbu rgh P la te G lass Co. L ife in su rance: A ft e r 6 months Annual sa la ry . o f e m p lo y m ent. O ther ben e fits : Im m e d ia te ly o r 1 st o f fo llo w in g month. $ 2 , 000 — — — — — — — E m ployee 3 tim es annual sa la ry . (2) R e tir e d em ployee 1. 5 p e rcen t o f employ ree's a v e ra g e annual sa la ry fo r highest 5 y e a r s during la st 1 0 ye a rs o f s e r v ic e p reced in g re tir e m e n t tim es y e a r s o f partic: ipation in life in su rance plan to a m a x imum o f 35 y e a r s ; mi:nimum, $2, 500. 1 No accident and sickness b en efit p ro vid ed fox m a jo r ity o f em p lo y ees; these em p loy ees co v e re d by N ew Y o rk State tem p o ra ry d isa b ility law . F o r a d e ta ile d su m m ary o f the b en efits p ro v id e d under this law, see B LS Bu lletin 1330 (op. c i t . ). 2 E m ployees becom ing in su red betw een the a ges o f 45 and 65 a re e lig ib le fo r a p ercen tag e o f these amounts as fo llo w s: A g e 45— 50, 6 6 /3 percen t; age 50— 55, 60 p e rc e n t; a g e 55— 65, 40 p ercen t; o v e r age 65, $500 only. 109 Plans for Salaried Employees Sick leave Days b enefit Y e a rs per rear At At of half full service pay - pay___ E m p loyee Hospital benefits Daily benefit or service Maximum duration (days) Extended coverage Days Daily amount An cillary services Maternity benefit Em ergency out-patient care o r service Income lim its for service surgical and m edical benefits Surgical benefits M o stexpensive Appen dectomy $250 $125 Sam e as above. Sam e as above. Norm al delivery E m p loyee and dependents $20 120 $200 plus 75 p ercen t o f next $2,400 o f ch a rges; c o m bined m axim um , $2, 000. $20 p e r day fo r room , board, and a n c illa r y s e r v ic e s ; m a x imum , $200. R eq u ired s e r v ices p rovid ed. $100 R e tir e d em p loyee and dependent Sam e as above. Same as above. — — Same as above. E m p loy ee — Sam e as above. — E m ployee and dependents $13 70 $260 $ 150 fo r room , board, and a n c illa r y s e r v ices . R eq u ired s e r v ices p rovid ed. 1 $300 $150 $200 $100 R e tire d em p loyee and dependent $10 31 p er c a l endar ye a r. $200 p e r c a l endar ye ar. Sam e as above. — $75 110 Selected Health and Insurance Plans M edical allowances Other benefits Company Home Office Hospital Elsew here Maximum number of visits paid for Maximum number of days paid for Maximum compensation Benefits begin Types and amounts Sickness Accident E m p loy ee and dependents Chas. P fiz e r & C o., Inc. $5 fo r each day o f con finem ent. ( 3) 70 p e r d is a b ility. $350 1st day. 1st day. D ia gn ostic X - r a y allow a n ce: (F o r ca ses out o f h osp ita l), $25 p e r a ccid en t o r a ll s ic k n esses du rin g any 12 c o n s e c u tive m onths. Sam e as above. Sam e as above. Sam e as above. 1st day. 1st day. Sam e as above. Sam e as above. R e tir e d em p loy ee and dependent Sam e as a bove. Sam e as above. Sam e as above. E m p loy ee and dependants Pittsbu rgh P la te G lass Co. $4 p e r day. $200 R e tir e d em p loy ee and dependent Sam e as above. $200 p e r calen dar ye a r. 3 I f s u rg ica l operation p e r fo rm e d allow an ce is g r e a t e r o f (a) $5 fo r each day o f h osp ita l confinem ent up to day o f operation; a n d (b )$ 5 fo r each day o f confinem en t minus s u rg ic a l o p era tio n allow a n ce. 4 T h ese ra tes a re fo r the em p loy ee only. The ra te fo r an em ployee and ch ildren is $0. 39 g r e a t e r , fo r an em ployee and spouse'is $0.69 g r e a te r, and fo r an em p loy ee, spouse, and ch ild re n is $1.03 g r e a te r fo r a ll earn in gs le v e ls . . 5 M axim u m ben efit fo r m erch a n disin g d ivis io n em p loy ees and dependents is $5,000 p e r b en efit p eriod . Ill for Salaried Employees— Continued Financing M a jo r m e d ica l Type of expense subject to deductible D edu ctible amount A ccu m u lation p e r io d and its application B en efit p e r io d F r o m in cu rre n ce o f expen ses in F r o m sta rt e x cess o f o f d isa b ility deductible Coinsurance Maxim um b en efit Rein statem en t Company E m p loy ee E m p loyee and dependents A ll. G r e a te r o f (a) $100 and (b) 1 p ercen t o f annual s a la ry ; m axim u m , $300. 12 months p e r d is a b ility . 12 months p er d isa b ility . 75 percen t. $ 7, 500 p e r d is a b ility , $15,000 p e r life tim e . A ft e r use o f $1,000 upon evid en ce o f in su ra b ility. E xception: Outo f-h o s p ita l p s y c h ia tric ca re , m axim u m -life tim e ben efit, $ 5, 000. W eek ly contribution Annual s a la r y L e s s than $ 3 ,000 $0. 40 $3,000 to $ 4 ,000 __________ .5 4 $4,0 0 0 to $5,000* .8 3 $5,000 to $ 6 , 0 0 0 1. 14 $6,000 to $7,000 1.42 $7, 000 to $8,000 __________ 1. 69 etc. in in crem en ts o f $1,000 .................................. .28 to a m axim u m o f $50,000 and o v e r _ __ 13. 61 ( 4) R e tir e d em p loyee and dependent Sam e as above. Sam e as a bove. Same as above. Sam e as above. — Sam e as above. Sam e as above. — L ife insu rance i1 [ _ 1F u ll cost. H ospita l, s u rg ic a l, m e d ic a l, and m a jor m e d ica l M onth ly contribution E m p loy ee on ly ---- ------E m p loyee and dependent.— $ 6. 00 12. 00 B alance o f cost. E m p loyee and dependents G r e a te r o f (a) b a sic b en e fits , and (b) $500. 2 y e a r s ; a ll d is a b ilitie s . 2 y e a rs ; a ll d is a b ilitie s . 75 p ercen t. $ 1 0 ,0 0 0 5 p e r b en efit p erio d . L ife in su rance 1 j B alance o f cost. $ 0 .6 0 p e r $1,000 p e r month. O ther b en efits N on m erchan disin g d ivis io n M onth ly contribution E m p loyee on ly - ------ _ E m p loyee and dependents__ $ 2 .0 0 6. 50 Balance o f cost. M erch an d isin g d iv is io n E m p loyee o nly______________ E m p loyee and dependents__ $ 1. 75 5. 00 B alance o f cost. R e tir e d em p loy ee and dependent L ife in su rance P r i o r to age 65: $0. 60 p e r $1, 000 p e r month. A t and a fte r age 65: ii Balance o f cost. F u ll cost. O ther ben efits M on th ly contribu tion E m p loy ee only______________ $ 2 .0 0 B alance o f cost. E m p loy ee and dependent___ 5. 00 112 Selected Health and Insurance Company The Pru d en tia l Insurance Company o f A m e r ic a . E lig ib ility (when new em p loy ees b ecom e e lig ib le ) Im m e d i a te ly o r 1st o f fo l low in g month. Scope o f accidental death and dism em be rm ent Schedule o f ben efits L ife in su rance B a sis o f graduation Optional life insurance A ccid en ta l death and d is m e m b erm en t A ccid en t and sickness O ccupa tion al Nonoccupational Scope of accident and sickness Occupa tional N onoccupation al A ccid e n t and sick ness M axim u m duration Day b en efit begins A ccid e n t S ickness Em ployee Men Annual earn in gs: $ 1,000 2, 000 5, 000 7, 000 of 2, 000 to 15,000 20,000 of 5, 000 to 35,000 1. 5 tim es s a la ry m axim um , 40,000 L e s s than $ 1, 500 $ 1,500. 01 to $2, 000 $ 2 ,000. 01 to $2, 500 $ 2, 500. 01 to $3, 500 etc. in in crem en ts $ 1,000 to $ 6, 500. 01 to $ 7, 500 $ 7, 500. 01 to $ 10, 000 etc. in in crem en ts $ 2, 500 to $ 15,000. 01 to $ 23, 333. 33 $ 23, 333. 34 and o v e r W omen L e s s than $ 1, 500. 01 $ 1,500. 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 $ 10, 000. 01 to $12,500 $ 12, 500. 01 to $15,000 $ 15, 000. 01 and o v e r $1, 000 2, 000 4, 000 6, 000 10,000 15,000 20,000 25,000 30,000 35,000 R e tir e d em ployee 4 1 B e n efits m aintained until the la te r o f r e tir e m e n t o r age 65, amount then in e ffe c t reduced by 20 p e r cent im m e d ia te ly and by a like amount annually th e re a fte r , until fo llo w in g amounts a re reached: Men r e tir in g with less than 10 y e a rs o f s e r v ic e and a ll wom en, $1,000. Men re tir in g w ith 10 o r m o re y e a r s o f s e r v ic e , 50 p ercen t o f annual s a la ry im m e d ia te ly p r io r to re tire m e n t. 1 E m ployees with less than 5 y e a r s of s e r v ic e then r e c e iv e tw o-th ird s pay through the 26th w eek o f d isa b ility ; em p loyees with 5 o r m o re ye a rs of s e r v ic e then r e c e iv e fo u r-fifth s pay through the 52d w eek o f d isa b ility . Duration o f paym ents a re on a "p e r d is a b ility " b asis, except fo r em p loyees age 60 o r o v e r with le s s than 5 ye a rs of s e r v ic e fo r whom paym ents a re lim ite d to 26 w eeks during any 12 consecu tive months. 2 P la n pays fu ll cost o f a ll h osp ita l expen ses up to $500 and 80 p ercen t of ex cess . 113 Plans for Salaried Employees^ Hospital benefits Days benefit per \ fear At At half full pav pav Years of service D aily benefit or service Maximum duration (days) Days Daily amount An cillary services Maternity benefit Em ergency out-patient care o r service Surgical benefits M ostexpensive Appen dectomy 10 15 20 n E m p lo y ee and dependents S em ip riva te room . ( 2) $300 ( 2) $150 R e tir e d em p loy ee and dependent Sam e as above. ( 5) Same as above. (5 ) Same as above. Sam e as above. - ( 5) Lum p-sum n o rm a l d e liv e r y allow an ce o f $175 fo r em ployee and $250 fo r dependent w ife in lieu o f re g u la r h osp ita l and su rg ica l b en efits is p rovid ed . R e t ir e d w o r k e r s under age 65 r e c e iv e same ben efits as a c tiv e w o rk ers. A ft e r la te r o f re tir e m e n t o r age 65, benefits payable without deductible o r coinsurance a re lim ite d to $1,000 during the life tim e o f each c o vered person. Norm al delivery The fo llow in g ben efits a re p rovid ed in fu ll without d e d u c tib le (s ) o r coinsurance by the m a jo r m e d ic a l plan E m p loy ee L e s s than 2 2 to 3 3 and o v e r Extended coverage Income limits for service surgical and m edical benefits Same as above. (5 ) (5 ) ( 3) 114 Selected Health and Insurance Plans M edical allowances Other benefits Company Home Office Hospital E lsew here Maximum number of visits paid for The P ru d en tia l Insurance Company o f A m e r ic a Maximum number of days paid for Maximum compensation E m ployee and dependents See rn a jo r m e d ica l ben efits. R e tir e d em p loyee and dependent See rn ajo r m e d ica l ben efits. 6 Dedu ctible amount v a r ie s acco rd in g to ea rn in gs, as fo llo w s : Annual earn in gs Amount Annual earnings Am ount L e s s than $4, 000 _______ ___ $50. 00 $9, 000 to $ 12, 000 ------- ______ $87. 50 $4, 000 to $6, 000 _________ ___ 62,50 $12,000 to $ 15,000-------______ 100.00 $ 6 ,0 0 0 to $9,000 ___ 75. 00 ._ __ 125.00 $15,000 to $20,000 - Amount Annual earnings $20, 000 to $30, 000__________ $150. 00 200. 00 $30, 000 to $40, 000__________ 250. 00 $40, 000 and o v e r ____________ Benefits begin Types and amounts Sickness Accident 11 5 for Salaried Employees— Continued M ajor m edical Type of expense subject to deductible Deductible amount Accumulation period and its application Benefit period F rom incurrence of expenses in From start excess of of disability deductible Financing Coinsurance Maximum benefit Reinstatement Employee Company E m ployee and dependents A ll, except h osp ita l and scheduled s u r g ic a l amounts. ( 6) 90 consecu tive days in calendar y e a r fo r 1st $50 o f deductible, b alance o f d e du ctible during re m a in d er of ca len dar ye ar. Calendar y e a r , plus 3-month c a r r y o v e r ; a ll d is a b ilit ie s . 80 percen t. 7 E xception: Outo f-h o sp ita l p s y ch ia tric ca re ; 50 p ercen t o f ch a rges, up to $20 a v is it , fo r fir s t 50 v is its each y e a r . $ 10,000 p e r y e a r; $20, 000 p er life tim e . A ft e r use o f $ 1, 000 o f expenses and evid en ce o f in su ra b ility. l L ife insurance and a cciden tal death and dism em b erm en t insurance $0,543 p e r $l,0 00per month. jB a la n ce o f cost. P a id sick lea ve _ J F u ll cost. M a jo r m e d ica l Monthly E m p loyee o n ly _____ $4. 00 E m p loy ee and ch ild ren o n ly ------6. 25 E m p loy ee and w ife o n l y _______ ___ 9. 50 F a m ily ------- __ ---- 11.75 R e tir e d em ployee and dependent See hospital and su rgical sections for 100 percent coverage included under m ajor m edical. B alan ce o f cost. 116 Selected Health and Insurance Company Radio C o rp oration o f A m e r ic a . E lig ib ility (when new em p loyees becom e e lig ib le ) L ife in su rance, a c c i dent and sickness b e n e fits : Im m ed ia te ly o r 1st o f f o l low ing month. ! O ther b e n e fits : A ft e r 60 days of em p lo y ment. Scope o f accidental death and dism em berm ent Schedule o f ben efits B a sis o f graduation L ife insurance Optional life insurance A ccid en ta l death and d ism em berm ent A cciden t and sickness Occupa tional Nonoccupational Scope o f accident and sickness Accident and sickness N on occu pational M axim u m duration X O ccupa tional 26 w eeks 3 p er 5 4 d is a b ility . Day b en efit begins A ccid e n t Sickness E m ployee Annual sa la ry : 8th. 8th. $1, 500 L e s s than $1,200 2, 500 $1,200 to $1,800 3, 500 $1,800 to $2,400 4, 000 $2,400 to $3, 000 5, 000 $3, 000 to $3, 600 etc. in in crem en s of— $600 1, 000 to a m axim um o f 25,000 $15,000 and o v e r (M F la t. (*) $ 250 1 2 W eek ly sa la ry : W eekly ben efit L e s s than $36 $36 to $40 $40 to $50 $50 to $60 $60 to $70 $70 to $80 $80 to $90 $90 and o v e r $27 30 33 36 38 40 42 45 Suppleme:ntary accid ent and sic] kness b en efit $2. 10 p e r day. — — X 100 d a y s 3 p er d is a b ility . Upon ces sa tio n o f b a sic b en efit. _______l R e tir e d em ployee Same as R e tir in g at age 65: basis of W ith 10 o r m o re y e a rs o f s e r v ic e , 40 graduation. p e rcen t o f amount in e ffe c t at tim e o f r e tirem en t; with 5 to 10 y e a rs o f s e r v ic e , 20 p ercen t. 7 R e tir in g at e a r ly r e Same as basis o f tire m e n t age: W ith em p lo y er a p p rova l o r graduation. without e m p lo y er a p p r o v a l and w ith 15 y e a rs o f re tire m e n t plan m e m bersh ip, or 18 y e a r s o f continuous s e r v ic e and age 60, sam e as above. 1 2 3 4 5 C erta in em ployee groups earning in e x cess of $ 15, 600 have additional life insurance based on a s im ila r schedule. P r o v id e d in addition to insurance based on e m p lo y e e 's annual base w age. N ot payable fo r m a tern ity d is a b ilitie s . F o r Cam den, N. J. , em p loyees and th e ir dependents; b en efits fo r em p loy ees in other a rea s m ay v a ry a cco rd in g to lo ca l ch arges. Includes up to $ 20 fo r infant ca re . 117 Plans for Salaried Employees Hospital benefits Sick leave Days b enefit oer ear Y e a rs At At of full half service pav __ Pay___ E m p loy ee D aily benefit or service Maximum duration (days) Extended coverage Days Daily amount An cillary services Maternity benefit Em ergency out-patient care or service Income limits for service surgical and m edical benefits Surgical benefits M o stexpensive Appen dectomy Norm al delivery $275 $183 $100 $200 $100 E m p loyee and dependents 4 $14 p er day. 100 $150 Room and Up to $75. board, $ 14 per day fo r 14 days; a n c illa r y s e r v ic e s $ 80. 5 Supplem entary ben efits fo r em p loyees only 6 7 $ 2 'p e r day. 20 p er ye a r. R etire d em p loyee and dep end ent8 $10 p e r day. 6 7 8 ben efits 45 $60 Up to $60. P r o v id e d in addition to b a sic h osp ita liza tion ben efits; payable only if em p loy ee is continuously confined to h osp ital fo r at le a s t 8 days and is re c e iv in g a ccident and sickness ben efits. R e t ir e d em p lo y ee m ay use the amount o f life insurance in e x cess o f $300 fo r paym ent o f expenses in cu rre d by h im o r his dependent fo r h osp ita l and su rg ic a l c a re . R e t ir e d em p lo y ee w ith 5 but le s s than 18 ye a rs o f s e r v ic e who e lec ts not to in su re h im s e lf o r his dependent by contributing tow a rd his c o v e r a g e , is en titled to the basic and extended fo r h im s e lf and h is dependent i f his life insurance is in excess o f $300. A l l b en efit paym ents a re deducted fr o m life in su rance amount and no paym ents a re m ade a fter life insurance has been reduced to $ 300. 118 Selected Health and Insurance Plans M e d ic a l a llow an ces Other benefits Company H om e O ffic e H o sp ita l E lse w h ere M axim um num ber o f v is its paid fo r M axim um num ber o f days paid fo r M axim um com pensation Benefits begin Types and amounts Sickness Accident E m p loyee and dependents 4 Radio C o rp oratio n o f A m e r ic a $5 p e r day. 100 p e r d is a b ility . $500 p e r d isa b ility . 1st day. 1st day. A n e s th e s ia a llow a n ce: (F o r ca ses in o r out o f h osp ita l, i f su rgeo n m akes a s ep a ra te ch a rge fo r a n e sth es ia), up to $25. N o n em erg en cy a ccid en t and s ic k n ess allow a n ce: (In o u t-patien t dep artm en t o f h osp ita l, up to $ 75 p e r d is a b ility . N on occupational a ccid e n t X - r a y and la b o ra to r y exam in ation a llo w ance: (F o r tests p e r fo r m e d ou t sid e h o sp ita l), up to $50 p e r a cciden t. R e tir e d em p loy ee and dtapendent9 0 1 $3 p e r day. 45 p e r d is a b ility . $135 p e r d isa b ility . Same as above. Sam e as above. 9 Paym en ts a re deducted fr o m life in su rance amount in ex cess o f $300 o f em ployees r e tir e d p r io r to Jan. 1, 1962. No deductions a re m ade fr o m life in su rance amounts o f em p lo y ees re tir in g a fte r D ec. 31, 1961, with 18 y e a rs o f s e r v ic e . 1 R e tir e d em p loyees with le s s than 18 y e a r s o f s e r v ic e a re not e lig ib le fo r m a jo r m e d ic a l b e n efits; fo r re tir e d em ployees with 18 o r m o r e y e a r s s e r v ic e , the com pany pays the fu ll 0 cost o f m a jo r m e d ic a l ben efits. 119 for Salaried Employees— Continued M a jo r m edical Type of expense su bject to ded u ctib le Deductible amount Accumulation period and its application Benefit period F rom incurrence of expenses in From start excess of of disability deductible Financing Coinsurance Maximum benefit Reinstatement Employee Company E m p loy ee and dependents I f annual 6 consecu tive earn in gs a re: m on th s; p er U nder d isa b ility . $10, 000$150; over $10, 000$200. 2 y e a r s per d isa b ility . I f annual e a rn A ft e r use o f $1,000, ings a re: Under and upon evid en ce o f E xception: Out- $10,000, $5,000 in su ra b ility. o f-h o s p ita l p s y p e r d isa b ility ; $10,000 o r o v e r, c h ia tric c a re , $ 10,000 p e r 50 percen t; d isa b ility . m axim u m , 50 v is its at $20 p e r v is it. 75 percen t. R e tir e d em p loyee and dependent9 1 L ife insurance F u ll cost. H osDital. s u rg ic a l, m edica l. and m a jo r m e d ic a l F u ll cost. 120 Selected Health and Insurance Company R esea rch Institute o f A m e r ic a , Inc. E lig ib ility (when new em p loy ees b ec om e e lig ib le ) Scope o f accidental death and dism em be rm ent Schedule o f b en efits L ife insurance B a sis o f graduation O ptional insurance A ccid e n ta l death and d is m e m b erm en t A ccid en t and sickness O ccupa tion al Nonoccupational Scope o f accident and sickness O ccupa tional N onoccupation al A c c id e n t and sickness M axim u m duration Day b en efit begins A ccid en t Sickness E m ployee O ther bene fit s : A ft e r L e s s than $4, 000 6 months o f e m p lo y $4, 000 to $5, 000 $5, 000 to $6, 000 m ent. $6, 000 to $7,500 Sick le a v e : $7, 500 to $10, 000 $ 10, 000 to $ 12, 500 A ft e r 30 $ 12,500 to $ 15,000 days o f $15, 000 to $20, 000 e m p lo y $20, 000 and o v e r m ent. $4, 000 5, 000 6, 000 7, 500 10, 000 15, 000 20, 000 25,000 40, 000 (M (M (M (M (M A t age 60: Amount in e ffe c t im m e d ia te ly p r io r to age 60 reduced 10 p erc e n t at age 60 and 10 p e r cent annually th e re a fte r until amount equals $2, 000. R e tir e d em ployee — Safeway S to re s , Inc. A ft e r 3 months of e m p lo y m e n t. — — — — _ — — — — — — E m ployee X $ 1,000 Flat. X X 26 w eeks p e r d is a b ility . 8th o r 1st 8th o r 1st in h osp ita l. in h osp ita l. Annual s a la ry : $1,664 to $1,976 $ 1,976 to $2, 340 $2, 340 to $2, 860 $2, 860 to $3, 640 $3, 640 to $4, 680 $4, 680 to $7, 540 $7, 540 to $10, 140 $ 10, 140 to $ 12, 480 $ 12, 480 to $ 15, 080 $ 15, 080 to $ 17,420 $ 17,420 to $22, 620 $22, 620 to $27, 300 $27,300 to $40, 040 $40, 040 o r o v e r $3, 000 3, 500 4, 000 5, 000 6, 500 9, 500 13.500 17.500 21, 000 25.000 30, 000 35.000 45.000 55.000 ( 6) $26 30 35 40 45 50 50 50 50 50 50 50 50 50 — ( 6) (6) ( 5’ 6) R e tir e d em ployee ----------------------------------------------- !------------------------ • R e tir in g a fte r age 60 with 15 con sec u tive y e a rs in plan, $ 1, 000. 1 “ ! No accident and sickness insurance b en efit p ro vid ed by plan; em p loyees co v e re d by the New York State tem p ora ry d isa b ility law. F o r a d eta iled su m m ary of the b en efits p ro v id e d under this law, see BLS B u lletin 1330 (op. cit. ). 2 Sick lea ve paym ents reduced by statutory b en efits which a w o rk e r r e c e iv e s . 3 B en efits d e s crib e d a re those p ro vid ed fo r the la rg e s t group o f w o rk ers under the p ro g ra m ; sales fo r c e em ployees and th eir dependents a re c o v e r e d by d iffe re n t plans. 4 B en efits a re p ro vid ed through Group H ealth Insurance, Inc. (N ew Y o rk , N. Y. ). W ork ers that use se m ip riv a te or w ard h ospital accom m odations and u tiliz e the s e r v ic e s of p a rticip a tin g doctors r e c e iv e paid in fu ll su rg ica l and m e d ica l ca re ben efits. O thers r e c e iv e up to the b en efit amount listed in the appropriate column. F o r a d eta iled su m m ary o f the b en efits p r o v id e d by Group Health Insurance, In c ., see B L S B u lletin 1330 (c^. c i t .) . 121 Plans for Salaried Employees Hospital benefits Sick leave Y e a rs of service Days b enefit per rear At At full half pay___ pay___ Daily benefit or service Maximum duration (days) Extended coverage Days Daily amount Maternity benefit An cillary services Em ergency out-patient care or service Income limits for service surgical and m edical benefits Surgical benefits M o stexpensive Appen dectomy Norm al delivery Employee (other than sal£s force) and dependents 3 Employees 210 Sem iprivate room. 21 180 50 percent Full cost of specified s e r v of cost of sem i ices for 1st 21 days, 50 percent private room. of cost for addi tional 180 days. $80 for room, board, and ancillary services. $7. 25 4 $ 1,000 4 $ 165 4$75 (4 ) Retired employee and dependent — — — — — (5 ) 7 6 — — — — — — Employee and dependents Employees (7 ) 80 percent of cost of sem i private room. $ 250 plus 80 percent of addi tional charges. 70 80 percent of cost of sem i private room, board, and ancillary services; m axi mum, $120. $350 $120 $ 128 $88 Retired employee and dependent — 5 o f those 6 7 — — — — — — — — — — The a cciden t and sick n ess plan analyzed co vers a ll s a la ried em p loyees except s a la rie d em p loyees in C a lifo rn ia and New J e r s e y who a re c o v e re d b y the tem p o ra ry d isa b ility p rog ra m s States. F o r d eta iled su m m aries of the ben efits p rovid ed under those law s, see B L S B u lletin 1330 (op. c i t . ). Sick le a v e paym ents a re used to make up the d ifferen ce betw een accident and sickness b en efit and fu ll pay. A ccid en t and sickness ben efits a re not payable fo r m a tern ity d isa b ilities . Sick le a v e accu m u lates at the rate o f V2 day p e r month. Unused sick lea ve m ay be accum ulated to a m axim um o f 60 days. 122 Selected Health and Insurance Plans M edical allowances Other benefits Company Home Office Hospital Elsew here Maximum number of visits paid for Maximum number o f days paid fo r Maximum compensation Benefits begin Types and amounts Sickness Accident E m p loyee (oth er than sa les fo r c e ) and dependents 3 R es ea rch Institute o f A m e r ic a , Inc. 365 $1,854 (4 ) 1st day, $15; 2d day, $10; 3d through 21st day, $6 p e r day; th e re a fte r , $5 p e r day. ( 4) 1st day. 1st day. A d m in istra tio n o f g e n e r a l a n e s th esia : Scheduled a llow a n ces. Am bu lance s e r v ic e : Up to $20 p e r trip to o r fr o m h osp ita l. D ia gn ostic X - r a y and la b o ra to ry exam in ation s: Scheduled a llow a n ces. < ) 4 R e itr e d em ployee and dependent — — __ — — — — — — E m p loyee Safeway S to re s, Inc. $4 p e r v is it. $4 p e r v is it. $4 p e r day. 1 Hos p ita l $150 p e r disa b ility. $4 p e r v is it. ‘ 1st day. j 1st day. Hom e arid o ffic e 3d v is it. (8) 3d v is it. (8) Dependents $4 p e r day. $150 p e r disa b ility. 1st day. 1st day — — R e tir e d em ployee and dependent — — — — — — If v is its begin w ithin 14 days a fte r r e le a s e fro m h osp ita l, b en efit is paid beginning with 1st v is it. E m p loyee pays an additional $ 1 .4 9 p e r month fo r dependent c o v e ra g e . — E m p lo y ee and dependents L a b o ra to r y and X - r a y ex a m in a tion: (F o r ca ses in o r out o f h o s p ita l), $50 p e r d is a b ility . R adiation th era p y, allow a n ce: (F o r ca ses in o r out o f h o sp ita l), $200 p e r d is a b ility during any 12 co n secu tive m onths. 123 for Salaried Employees— Continued M ajor m edical Typ e of expense subject to deductible Deductible amount Accumulation period and its application Benefit period F rom incurrence of expenses in From start of disability excess of deductible Financing Coinsurance Maximum benefit Reinstatement Employee Company E m p loy ee (o th er than sa les fo r c e ) and dependents 3 E m p loy ee ben efits J F u ll cost. Dependents b en efits R e tir e d em p loyee and dependent — — — — — — — — — — E m p loy ee arid dependents ------------------------------------------- ,-------------------------------------------$100 E xception : M a tern ity c a ses , $250. 3 years p er d is a b ility . 12 consecu tive months p e r d is a b ility . 80 p ercen t. P a id sick lea ve $5, 000 p e r d isa b ility . J E xception : Outo f-h o s p ita l p s y c h ia tr ic ca re ; 50 p ercen t. F u ll cost. Other ben efits Monthly contribution Annual sa la ry $1,664 to $1,976_____ $1,976 to $2,340_____ $2,340 to $2,860_____ $2,860 to $3,640_____ $3,640 to $4,680_____ $4,680 to $7,540_____ $7,540 to $10,140___ $10,140 to $12,480__ $12,480 to $15,080__ $15,080 to $17,420__ $17,420 to $22,620™ $22,620 to $27,300__ $27,300 to $40,040__ $40,040 and o v e r ---- ploy*se $1. 1. 1. 1. 1. 1. 1. 2. 2. 2. 2. 3. 3. 4. 13 20 27 38 47 65 89 13 34 58 88 18 78 38 B alan ce o f cost. R e tir e d em ploye*e and dependent — — — — — — — — 1 i ---------------------------------------— L ife i m surance F u ll cost. 124 Selected Health and Insurance Company- S p erry G yros cop e Co. (D ivisio n o f S p erry Rand Corp. ) E lig ib ility (when new em p loy ees becom e e lig ib le ) A ccid e n t and s ic k n ess: Im m e d ia te ly . Scope o f accidental death and dism em be rm ent Schedule o f ben efits B a sis o f graduation L ife insu rance Optional insurance A c cid e n ta l death and d is m e m b erm en t A ccid en t and sickness O ccupa tional Nonoccupational Scope o f accident and si ckness O ccupa tional N onoccupation al A c c id e n t and sick n ess M axim u m duration Day b en e fit begins A ccid e n t S ickn ess E m ployee W eekly s a la ry : $30. 00 to $37. 50 . L ife in s u r $37. 50 to $45. 00_. etc. in in crem en ts o f ance: A ft e i $7, 50 t o ___________ 3 months o f e m p lo y $127. 50 and o v e r., m ent. $30. 00 to $ 37. 50 $ 1,800 $1,800 Sick leave: $37. 50 to $45. 00 2,100 2, 100 60 days $45. 00 to $ 52.50 2, 500 2,500 s e r v ic e $52. 50 to $ 60.00 2,900 2,900 p r io r to $60. 00 to $ 62.50 3,200 3,200 s ta rt o f $62. 50 to $ 72.50 3,500 3,500 s ick le a v e $72. 50 to $81. 50 4,000 4,000 year. $81. 50 to $ 91.50 4,500 4,500 $91. 50 to $ 100. 96 5,000 5,000 O ther ben e fits : 1st Annual sa la ry: day o f month f o l $ 5, 250 to $ 5, 7505/000 6,000 low in g 3 $5, 750 to $ 6,250 5,000 7,000 etc. in in crem en ts of months of ----I i , 000 em p lo y $ 500 to I $9, 750 to $ 11,000 | 5,000 |to 15,000 m ent. etc. in in crem en ts o f 4, 000 $ 2, 000 to to 43, 000 5, 000 $ 23,000 to $ 25,000 45, 000 5, 000 $ 25, 000 and o v e r (* ) (1 2) $20 25 26 w eeks 3 p e r d is a b ility . 4 5 5 to 85 (*) R e tir e d em ployee R e tir in g at age 65 (60 fo r w om en ) and 15 y e a rs o f s e r v ic e . $ 1,000 1 E m p loy ees earning o v e r $25, 000 a re e lig ib le fo r additional in su rance up to 2 tim es annual earnings to a maxim um o f $100, 000. 2 The life insu rance fo r nonexem pt s a la rie d em p loy ees who a re eith er u norganized o r re p res en ted by a sp e cified union lo c a l is tw ice the amounts shown in this colum n and theamounts of optional life insurance in the next column w ill be redu ced a c co rd in gly . 3 M a tern ity accident and sick ness b e n e fit paym ents lim ite d to 6 w eeks. 4 A ft e r age 60, b en efits lim ite d to 26 w eeks during any 12 co n secu tive months if d is a b ility is due to sick n ess. 5 P a y fo r unused tim e is m ade at the end o f the sick le a v e y e a r , except in the ca se o f em p loy ees re p re s e n te d by a s p e c ifie d union lo ca l w h e re the em p lo y ee r e c e iv e s pay fo r unused ac cumulated sick lea ve tim e in e x cess o f 12 days at end o f sick le a v e y e a r . Sick le a v e b en efit applies to nonexem pt s a la ried em ployees only. 125 Plans for Salaried Employees Hospital benefits Sick leave Y e a rs of service Days b enefit per ear At At half full pav pay Daily benefit or service Maximum duration (days) S em ip riva te ro o m . 21 Extended coverage Days Daily amount An cillary services Maternity benefit Surgical benefits M o stexpensive Appen dectomy Norm al delivery E m p loy ee and dependents E m p loy ee 60 days. Em ergency out-patient care o r service Income limits for service surgical and m edical benefits 56 180 50 p ercen t F u ll co st o f s p e c ifie d a n c il o f cost o f la r y s e r v ic e s fo r s e m ip r i vate room . 1st 21 days; 50 p erc e n t o f cost fo r additional 180 days. $ 80 fo r room , board, and a n c illa r y s e r v ic e s . Group A 6 7 $7. 25 Individual co vera g e, $4, 000; fa m ily c o v e r a g e , $6,000. $500 $175 $90 8$ 165 8 $75 Group B 7 8 $ 1, 000 (8) R e tir e d em p loyee and dependent Sam e as a bove. Same as above. Same as above. Same as above. Same as above. Sam e as a bove. Sam e as above. Sam e as above. Sam e as above. 6 U n o rg a n ized e m p lo y ees and em p loyees rep resen ted by a sp e cified union. 7 E m p lo y e e s re p re s e n te d by 2 d iffe re n t unions. 8 B e n e fits a re p r o v id e d through Group H ealth Insurance, Inc. (N ew Y o rk , N. Y. ). W ork ers that use s e m ip riv a te o r w a rd h osp ita l accom m odations and u tiliz e the s e r v ic e s of p a rticip atin g d o ctors r e c e iv e paid in fu ll s u rg ic a l and m e d ica l ca re ben efits. O thers re c e iv e up to the b en efit amount lis te d in the a p p rop ria te column. F o r a d eta iled su m m ary o f the ben efits p rovid ed by Group Health In su ran ce, In c ., see BLS B ulletin 1330 (op. c i t . ). In lieu o f Group H ealth In su ran ce, In c ., c o v e r a g e , the em p loy ee who is w illin g to pay the re q u ire d additional prem iu m m ay e le c t c o v e r a g e p r o v id e d through H ealth Insurance P la n of G re a te r New Y o rk . 126 Selected Health and Insurance Plans M edical allowances Other benefits Company Home Office Hospital E lsew here Maximum number of visits paid for Maximum number of days paid for Benefits begin Types and amounts Sickness Accident E m p loyee and dependents S p erry G yros cop e Co. (D ivisio n o f S p e rry Rand C o r p .) Maximum compensation Group A 6 1st 7 days, $7 p e r day; 8th through 14th day, $6 p e r day; 15th through 70th day, $5 p e r day; t h e r e a fte r, $4 p e r day. 365 $1,605 1st day. 1st day. A d m in is tra tio n of g e n e ra l a n e s th esia : 20 p e r c e n t o f schedule a l low an ce; m in im u m , $20. A m bu lan ce s e r v ic e : Up to $20 p e r trip to o r fr o m h osp ital. D ia gn ostic X - r a y exam in ation: Up to $75 p e r co n tract y e a r . D ia gn os tic la b o ra to r y exam in ation: Up to $37. 5 0 p e r calen dar y e a r . Group B 7 1st day, $15; 2d d a y, $10; 3d through 21st day, $6 p e r day; th e re a fte r , $5 p e r day. 365 $1,854 (8) (8 ) 1st day. 1st day. A d m in is tra tio n o f g e n e ra l a n e s th esia : Scheduled allow a n ces. A m bu lan ce s e r v ic e : Up to $20 p e r trip to o r fr o m h osp ita l. D io gn ostic X - r a y and la b o ra to r y ex a m in atio n s: Scheduled a llo w a n ces. (8) R e tir e d em p loyee and dependent Sam e as above. Same as above. Same as above. Same as above. Sam e as above. Sam e as above. 127 for Salaried Employees— Continued M ajor m edical Type of expense subject to deductible Deductible amount Accumulation period and its application Benefit period F ro m incurrence of expenses in From start excess of of disability deductible Financing Coinsurance Maximum benefit Reinstatement Employee Company E m p loyee and dependents ---------------------------------------------------------,--------------------------------------------- ----------- A ll. $200 12 consecu tive m onths; a ll d is a b ilitie s . 12 consecu tive months; 3-month c a r r y o v e r ; a ll d is a b ilitie s . — 75 p ercen t. $ 10,000 p e r b en efit p erio d ; $ 15, 000 p e r life tim e . — O ptional life insu rance $0.54 p e r $1,000 p e r month. jB a la n ce o f cost. O ther ben efits F u ll cost. R e tir e d em p loyee and dependent 128 Selected Health and Insurance Company Standard O il Co. (N ew J e rs e y ) E lig ib ility (when new em p loyees becom e e lig ib le ) P a id sick le a v e : I m m e d ia te ly o r 1st of fo llo w in g month. Other b en efits : A fte r 1 y e a r of e m p lo y ment. Scope o f accidental death and d ism em b erm en t Schedule o f ben efits B a sis o f graduation L ife insurance O ptional life insurance A ccid e n ta l death and d is m e m b erm en t A ccid e n t and sickness O ccu pa tion al N onoccupational Scope of a ccident and sickness O ccu pa tional N o n occu p ation al A c c id e n t and sickness M axim u m duration Day b en efit begins A c c id e n t Sickness E m ployee Annual ea rn in g s : P a rt I 1 y e a r of sa la ry . 1 year of sa la ry r e duced 5 p ercen t s em iannua lly a fte r age 55 until e lim inated at age 65. P a r t II (M (* ) (M R e tir e d em ployee 1 R e tir e d em p loy ees wi th 15 o r m o re y e a rs o f s e r v ic e. A t age 65: If re tir e d 1 em ployee e le c ts to contribute— amount in e ffe c t im m ed ia tely p r io r to r e tire m e n t under P a r t ]! above r e duced 5 p ercen t annu*illy to a m in im u m o f 50 perce: nt; i f r e t ir e d em p loy ee elects not to contribu te— amount in e ffe c t im m e d ia te ly p r io r to re tirem en t under P a r t I above r<educed to 47. 5 p ercen t, and 2. f5 p ercen t annually th e re a fte r , b0 a m in imum o f 25 percen t. (2) P r e fe r e n c e b e n e fic ia r ie s (p r e fe r e n c e b e n e fic ia r ie s a re spouse, ch ildren under age 21, and dependent p a ren ts) re c e iv e an additional b en efit o f $500 plus a m on th ly death ben efit equal to of em p loyees fin a l m onthly sa la ry . The duration o f the m onthly ben efit v a r ie s by s e r v ic e : 1 but le s s than 2 ye a rs — 6 months; 2 but less than 3 y e a r s — 10 m onths; 3 but le s s than 4 y e a r s — 14 months; 4 but less than 5 ye a rs — 18 months; 5 ye a rs— 24 m onths; th e re a fte r, 1 additional m onthly in stallm en t fo r each com plete y e a r o f s e r v ic e in ex c e s s o f 5. I f th e re a re no p r e fe r e n c e b e n e fic ia r ie s , a lum p-sum b en efit o f $300 is p ro vid ed in lieu o f above. 1/z 129 Plans for Salaried Employees Hospital benefits Years of service Days benefit per rear At At half full pay pay D aily benefit or service Maximum duration (days) Extended coverage Days Daily amount An cillary services Maternity benefit E m p loy ee 50 p ercen t o f cost of s e m ip r iv ate. 26 w eek s. W eeks L e s s than 1 1 to 2 2 to 3 3 to 4 4 to 5 5 to 6 6 to 7 7 to 8 8 to 9 9 to 10 10 and o v e r Surgical benefits M o stexpensive Appen dectomy Norm al delivery E m p loyee and dependents S em ip riva te room . /3 pay fo r 26 w eek s. Em ergency out-patient care or service Income limits for service surgical and m edical benefits $100 fo r ro o m , board, and sp e c ifie d a n c il la r y s e r v ic e s . R eq u ired s e r v ices p rovid ed. In dividual, $2,500; fa m ily , $4, 000. $75 $250 W eeks 0 2 3 8 13 10 15 20 25 30 26 F u ll co st of s p e c ifie d s e r v ic e s fo r 1st 120 days; 50 p e rc e n t o f co st fo r additional 81 days. 2 4 8 8 8 16 16 16 16 16 26 R e tir e d em ployee and dependent Sam e as above. Sam e as above. Same as above. Sam e as above. Same as above. Sam e as above. Sam e as above. Sam e as above. Sam e as a bove. 2 P r e fe r e n c e b e n e fic ia r ie s b en efit fo r r e tir e d em ployees with 15 o r m o re y e a r s o f s e r v ic e : $375 plus a p ercen tag e o f the num ber o f m onthly b en efit paym ents shown in footnote 1, each equal to 37. 5 p erc e n t o f fin a l m on th ly earn in gs, dependent on age at death. P e r c e n ta g e o f m onthly b en efit paym ents is 90 p ercen t i f death occu rs at age 66, 80 p ercen t at age 67, 70 percen t at age 68, 60 p e r c e n t at age 69, 50 p e rc e n t at age 70, 40 percen t at a ge 71, 30 p erc e n t at age 72, and 25 p ercen t at age 73 and o v e r . If no p r e fe r e n c e b e n e fic ia r ie s , lu m p -su m ben efit of $300 is p ro v id e d in lieu o f above. 130 Selected Health and Insurance Plans M edical allowances Other benefits Company Home Office Hospital Elsew here Maximum number of visits paid for Maximum compensation Benefits begin Types and amounts Sickness Accident E m p loyee and dependents Standard O il Co. (N ew J e r s e y ) Maximum number of days paid for 1st 2 days, $4 p er v is it; 3d through 21st day, $4 p e r day; 22d through 201st day, $14 p e r w eek. 1st 2 days, 2 p e r day. Same as above. Sam e as above. $452 1st day. 1st day. R adiation th era p y allow an ce: (F o r ca ses in o r out o f h osp ita l), $ 7 .5 0 p e r trea tm en t; $175 p e r year. E le c tr o -s h o c k th erapy a llow a n ce: (F o r ca ses in o r out o f h osp ita l), $10 p e r trea tm e n t, $100 p e r year. R e tir e d em ployee and dependent Same as above. Same as above. Sam e as above. Sam e as above. 131 for Salaried Employees— Continued M ajor m edical Type of expense subject to deductible Deductible amount Accumulation period and its application Financing Benefit period F rom incurrence of expenses in From start excess of of disability deductible Coinsurance Maximum benefit Reinstatement Employee Company E m ployee and dependents A ll. 2 p e rc e n t o f annual e a rn in gs: M in i mum , $100; m axim u m , $500. 6 consecu tive m on th s; a ll d is a b ilitie s . 2 ye a rs p e r d isa b ility . 75 percen t. $ 10, 000 p e r life tim e . ( A ft e r use o f $1,000 o f c o v e re d expenses and upon evid en ce o f in su ra b ility. L ife insu rance P a rt I F u ll cost. P a r t II Fu ll cost, $ 0 ,55 p e r $1,000 p e r month. P a id sick le a v e F u ll cost. H ospital, Balance o f cost. s u rg ic a l, and m e d ica l V3 o f cost: M inim um , $ 1 p e r month; m axim um , $3.50 p e r month. M a jo r m e d ic a l F u ll cost. R e tir e d em ployee and dependent 132 Selected Health and Insurance Company J Stevens and Co. Eligibility (when new employees become eligible) Scope of accidental death and di smembe rment Schedule of benefits B a sis of graduation Life insurance Optional life insurance Accidental death and dism em berment Accident and sickness Occupa tional Nonoccupational Scope of accident and sickness Occupa tional Nonoccupational Accident and sickness Maximum duration Day benefit begins Accident Sickness E m ployee A ft e r 1 month of em p lo y m ent. Men Annual sa la ry : L e s s than $ 3, 000 $3, 000 to $4, 500 $4, 500 to $7, 500 $7, 500 to $10, 000 $ 10, 000 to $ 15, 000 $ 15, 000 to $20, 000 $20, 000 to $25, 000 $25, 000 to $30, 000 $30, 000 to $40, 000 $40, 000 to $50, 000 $50, 000 and o v e r $5,000 8, 000 11,000 18,000 24,000 32, 000 40, 000 50, 000 60, 000 80, 000 100,000 — $5, 000 8, 000 11,000 18,000 24,000 32, 000 40, 000 40, 000 40, 000 40, 000 40, 000 C ) W om en Annual sa la ry : L e s s than $2,500 $2, 500 to $3, 000 $3, 000 to $4, 500 $4, 500 to $7, 500 $7, 500 to $10, 000 $ 10, 000 and o v e r $2, 3, 4, 5, 7, 10, 500 000 000 000 500 000 $2, 3, 4, 5, 7, 10, 500 000 000 000 500 000 R e tir e d em ployee 1 Am ount in e ffe c t p r io r to r e t i r e m ent reduced 10 p ercen t on July 1 fo llo w in g re tir e m e n t and 10 p e r cent annually th e re a fte r until amount equals $ 1,500. 3 1 A ccid e n t and sickness b en efit not p ro vid ed fo r m a jo rity o f em p lo y ees, w o rk e rs in New Y o rk a re c o v e re d by the State tem p o ra ry d is a b ility law. vided under this law see B L S B u lletin 1330 (op. cit. ). F o r a d eta iled su m m a ry o f the ben efits pro 133 Plans for Salaried Employees Hospital benefits Sick leave Y ears of service Days b enefit per rear At At half full pav pay___ D aily benefit or service Maximum duration (days) Extended coverage Days D aily amount A n cillary services Maternity benefit Em ergency out-patient care o r service Income limits for service surgical and m edical benefits M o stexpensive Appen dectomy Norm al delivery E m ployee and dependents E m p loy ee $ 15 31 $ 150 $ 15 p e r day fo r 10 days; s p e c i fie d a n c illa r y s e r v ic e s , $50. ( 23 ) R e tire d em p loy ee and dependent 2 Lu m p -su m a llow a n ce o f $275 p rovid ed in lieu o f regu la r h osp ita l and su rg ic a l b en efits. 3 If r e tir e d em p lo y ee does not e le c t to contribute to cost of in su rance, amount in e ffe c t reduced to $1,500 im m e d ia te ly upon re tire m e n t. Surgical benefits $300 $ 150 (2) 134 Selected Health and Insurance Plans M edical allowances Other benefits Company Home J. P . Stevens and Co. Office Hospital E lsew here Maximum number of visits paid for Maximum number of days paid for Maximum compensation E m p loyee and dependents R e tire d em p loyee and dependent Benefits begin Types and amounts Sickness Accident 135 for Salaried Employees— Continued M a jo r m edical Type of expense subject to deductible Deductible amount Accumulation period and its application Financing Benefit period F ro m incurrence From start of expenses in of disability excess of deductible Coinsurance Maximum benefit Reinstatement Employee Company E m p loy ee and dependents A ll. $ 150 12 months; a ll d is a b ilitie s . 12 m onths; a ll d is a b ilitie s . 75 percen t. $ 10,000 p er b en efit p erio d . A ft e r use o f $2, 000 o f expen ses; upon evid en ce o f in su r a b ility. T L ife insurance 0.6 0 p e r $ l,0 0 0 p e r month. B a lan ce o f cost. Other b en efits M onthly contribution E m p lo y e e --------E m p loy ee and dependent _____ E m p loy ee and a ll dependents— R e tir e d em p loyee and dependent $2. 71 6. 79 8. 90 136 Selected Health and Insurance Company Swift & Co. Eligibility (when new employees become eligible) L ife insu ra n ce: Im m e d i a te ly o r 1st o f fo llo w in g month. P a id sick le a v e : A ft e r 1 year of e m p lo y m ent. O ther b e n e fits : A ft e r 6 months o f em p lo y ment. Scope of accidental death and di smembe rment Schedule of benefits B asis of graduation Life insurance Optional life insurance Accidental death and dism em berment Accident and sickness Occupa tional Nonoccupational Scope of accident and sickness Occupa tional Nonoccupational Accident and sickness Maximum duration Day benesfit begins Accident Sickness E m ployee Com bination o f te:rm and paid-up insu rai ice Annual earn in gs: L e s s than $1,500 $1, 000 $1,500 to $2,500 2, 000 etc. in in crem en ;s o f $ 1, 000 to 1, 000 to 8, 000 $7,500 to $8,500 10, 500 $8,500 to $9,000 11, 500 $9,000 to $9,500 13, 500 $9,5 0 0 to $10,000 15,000 $10, 000 to $11, 000 etc. in in crem en :s o f 1, 500 to $ 1, 000 to 40, 000 $27, 000 and o v e r C ) (* ) R e tir e d em ployee Am ount o f paid-up ins urance in e ffe c t im m e d ia te ly pri o r to r e tirem en t. 1 A ddition a l death b en efit o f 2 w eeks s a la r y p ro vid ed w idows o f em p loyees with less than 3 y e a r s o f s e r v ic e , widows o f em ployees with 3 o r m o re y e a r s o f s e r v ic e r e c e iv e sa la ry fo r each y e a r o f s e r v ic e to a m axim u m o f 20 w eeks o f s a la ry . I f 20 o r m o re ye a rs o f s e r v ic e , and w idow is e lig ib le fo r w idow 's pension, death b en efit o f 8 w eeks o f s a la r y p rovid ed . 1 w eek of 137 Plans for Salaried Employees Hospital benefits Sick leave Y e a rs of service Days b enefit oer fear At At half full pay pay___ D aily benefit or service Maximum duration (days) Extended coverage Days Daily amount An cillary services Maternity benefit E m p loy ee 1 to 9 9 and o v e r Em ergency out-patient care o r service Income limits for service surgical and m edical benefits Surgical benefits M o stexpensive Appen dectomy $300 $150 Norm al delivery E m ployee and dependents 8 w eeks. S e m ip riva te 1 w eek ro o m . fo r each year of s e r v ic e . ( 2) 70 F u ll cost of s p e c ifie d s e r v ic e s . 120 p e r l i f e tim e. F u ll cost o f s p e c ifie d s e r v ic e s fo r 120 days p e r l i f e tim e. S em ip riva te ro o m fo r 70 days, fu ll cost o f sp e cified a n c illa r y s e r v ic e s . R eq u ired s e r v ices provid ed. $90 R e tir e d em ployee and dependent S e m ip riva te ro o m . Sam e as above. Sam e as above. Sam e as above. 2 F o r an occu pation al d is a b ility the company pays the d iffe re n c e betw een the w ork m e n 's com pensation b en efit and fu ll s a la ry tern ity allow a n ce is equal to 5 w eeks o f sa la ry , Ma, w eek fo r each y e a f o f s e r v ic e o v e r 5 y e a r s , to a m axim um of 8 w eeks o f b en efits. plus 1 138 Selected Health and Insurance Plans M edical allowances Other benefits Company Home Office Hospital E lsew here Maximum number of visits paid for Maximum number of days paid for Maximum compensation Benefits begin Types and amounts Sickness Accident E m p loy ee and dependents Swift & Co. 1st day $10; t h e r e a fte r, $3 p e r day. 1 p e r day. 70 p e r d is a b ility . $217 p e r d isa b ility . 1st day. 1st day. P o lio a llo w a n ce: (In addition to o th er plan b en efits fo r expenses in c u rre d w ithin 3 y e a rs o f 1st tre a tm e n t), $5,000. A n e sth es ia allow a n ce: (F o r cases in o r out o f h o sp ita l), g r e a t e r of 20 p e rc e n t o f b en efit payable fo r o p era tio n and $20. D ia gn os tic X - r a y and la b o ra to r y exam in ation a llow a n ce: (F o r nonh o s p ita liz e d c a s e s ), $50 fo r any one a ccid e n t and $50 fo r a ll s ic k n esses du rin g any 6-m onth p erio d . X - r a y and radiu m therapy: p e r d is a b ility . $300 R e tir e d em p loyee and dependent Sam e as above. Sam e as above. 120 p e r l i f e tim e. $367 p e r life tim e . A ft e r age 45 em p loyees contributions a llo c a ted tow ard the pu rchase o f paid-up and redu cing te r m insu rance. Sam e as above. Sam e as above. A n esth esia a llow a n ce: (F o r cases in o r out o f h o sp ita l), g r e a t e r of 15 p erc e n t o f b en efit payable fo r op era tio n and $15. 139 for Salaried Employees— Continued M a jo r m edical T y p e of expen se su bject to deductible Deductible amount Accumulation period and its application Benefit period F rom incurrence of expenses in From start of disability excess of deductible Financing Coinsurance Maximum benefit Reinstatement Employee Company E m p loyee and dependents A ll. $100 C alen dar y e a r, plus c a r r y o ver; a ll d is a b ilitie s . C alendar ye a r; a ll d is a b ilitie s . 80 percen t. $10,000 p e r life t im e . Exception: Outo f-h o s p ita l p s y c h ia tric c a re ; m axim u m , $20 p e r v is it; 40 v is it s p e r y e a r . !-----A ft e r $1, 000 o f e x penses upon evid en ce o f in su ra b ility. L ife in su rance P e r $1,000 w eek ly P la n en try age: 36 36 41 45 and under____ . . . to 40_________ to 44_________ . _ and o v e r ____ __ $0.15 .1 6 . 18 3 .30 B alan ce o f cost. M a jo r m e d ic a l F u ll cost. O th er ben efits F u ll cost. R e tir e d em p loyee and dependent $200 Sam e as above. Same as above. Sam e as above. L e s s e r of: R es id u a l b en e fit, o r $5,000 p e r life tim e ; m in im u m , $ 2, 500 p e r life t im e . M a jo r m e d ic a l J F u ll cost. H osp ita l, O n e-h a lf cost. s u rg ic a l, _ and m e d ica l O n e-h a lf cost. 140 Selected Health and Insurance Company Thompson, R am oW oo ld rid ge, Inc. E ligibility (when new employees become eligible) Im m e d i a te ly o r 1st o f fo llo w in g month. Scope of accidental death and di smembe rment Schedule of benefits B asis of graduation Life insurance Optional life insurance Accidental death and dism em berment Accident and sickness Occupa tional Nonoccupational Scope of accident and sickness Occupa tional Nonoccupational Accident and sickness Day benefit begins Maxim um duration Accident Sickness 26 w e e k s 1 e r 2p d is a b ility . 1st. 8th. t h e re a fte r , a re E m ployee Annual earn in gs: — L e s s than $1,500 $ 1, 500 to $2, 500 $2, 500 to $3, 500 $3, 500 to $4, 500 $4,500 to $5,500 $5, 500 to $6, 500 $ 6, 500 to $8, 000 $8, 000 to $10, 000 $ 10, 000 toi $15, 000 $15,000 and o v e r 1 $1,500 1 2,000 1 3,000 1 5,000 7, 500 10,000 15,000 20,000 25, 000 30, 000 1 $1, 500 1 2, 000 1 3, 000 1 5, 000 7, 500 10,000 15,000 20, 000 20,000 20, 000 N on exec u tives: 2 /j o f w eek ly sa la ry ; m axim um , $50; e x ecu tives, $50. X X X R e tir e d em ployee ------------------- !------- -- --------------------------------------------Insu rance in e ffe c t im m e d ia te ly p r io r to re tire m e n t. 3 Insu rance in effect: $1,000 but $ 2 , 0 00 $2,000 but $2, 500 $2, 500 but $3,000 $3, 000 but $4, 000 $4, 000 but $5, 000 $5,000 but $7, 500 $7, 500 M o re than 1 W om en earn in g sam e b en efit as m en. _ _ _ _ _ _ _ _ _ Am ount continued less than $ 1 , 000 less than 1 , 100 less than 1, 150 less than 1 , 200 less than 1, 300 less than $7,500 1,400 1, 900 25 p ercen t o f amount o f in s u r ance in e ffe c t i m m e d ia te ly p r io r to r e tir e m ent. less than $3,500 annually a re p rovid ed $1,500 insu rance; those earning fr o m $3, 500 to $4,500 a re provid ed $2,500 in su rance; w om en p ro vid ed the 141 Plans for Salaried Employees Sick leave Y e a rs of service Days b enefit per rear At At half full pay pav Hospital benefits Daily benefit or service Maximum duration (days) Extended coverage Days Daily amount An cillary services E m p loy ee Maternity benefit Em ergency out-patient care or service Surgical benefits M o stexpensive Appen dectomy $300 $150 Norm al delivery E m p loyee and dependents S e m ip riva te ro o m . 730 F u ll co st o f s p e c ifie d an c illa r y s e r v ic e s . S e m ip riva te ro o m and board fo r 730 days plus fu ll cost o f s p e c ifie d an c illa r y s e r v ic e s . R eq u ire d s e r v ic e s p rovid ed . R e tir e d em p loyee and dependent 2 M a te rn ity accid en t and sickness b en efit paym ents lim ited to 6 w eeks. 3 F o r e m p lo y ees r e tir in g at age 65 o r betw een age 55 and 65 with 5 ye a rs o f s e r v ic e . Income limits for service surgical and m edical benefits $75 142 Selected Health and Insurance Plans M edical allowances Other benefits Company Home Office Hospital Elsew here Maximum number of visits paid for Maximum number of days paid for Maximum compensation Types and amounts Sickness Accident E m ployee and dependents Thom pson, R a m oW oo ld rid ge, Inc. $ 3 per day. 90 $270 R e tir e d em p loyee and dependent 4 Out-of-hospital psychiatric care is not a covered expense. Benefits begin 1st day. 1st day. 143 for Salaried Employees— Continued M a jo r m edical T yp e of expense subject to deductible Deductible amount A c cumulation period and its application Benefit period F rom incurrence of expenses in F rom start excess of of disability deductible Financing Coinsurance Maximum benefit Reinstatement Employee Company E m p loy ee and dependents A ll. 4 $100 C alen dar ye ar, plus 3-month c a r r y o v e r ; a ll d is a b ilitie s . C alen dar ye a r; a ll d is a b ilitie s . 80 p ercen t. 4 $5,000 p e r year. A ft e r use o f $1,000 o f expense and upon evid en ce o f in s u r a b ility . 1 L ife insu rance and accidental death and dism em b erm en t $ 0 .5 4 p e r thousand. B alan ce o f cost. Other ben efits F u ll cost. R e tir e d em p loy ee and dependent 144 Selected Health and Insurance Company T im e, Inc. E ligibility (when new employees become eligible) O ptional life in s u r ance: 5 years. Scope of accidental death and dismemberment Schedule of benefits B asis of graduation Life insurance Optional life insurance Accidental death and dism em berment Accident and sickness Occupa tional Nonoccupational Scope of accident and sickness Occupa tional Nonoccupational Accident and sickness Maxim um duration Day benefit begins Accident Sickness E m ployee Annual earn in gs: L e s s than $ 1, 500 . $2, 000 $ 1,000 4, 000 2, 000 O ther ben $ 1, 500 to $2, 500 in crem en ts of— etc. in e fits : Im 2, 000 1, 000 $ 1, 000 to $74, 500 m e d ia te ly to 150, 000 to 75, 000 o r 1st of o r m o re fo llow in g month. (M $ 1, 000 2, 000 — X X -- — — — X X — - — — 4th. 4th. 1, 000 to 50, 000 R e tir e d em ployee 1 1 Amount o f paid-up insurance accum ulated p r io r to re tirem e n t. Union Carbide Corp. A ccid en t and s ic k ness : A ft e r Annual e a rn in g s:3 2 months $6,000 o f e m p lo y L e s s than $3, 000. 01 7, 000 $3, 000. 01 to $3, 500 ment. etc. in in crem en t; s of— 1, 000 O ther ben $500 to $6, 000 to 12, 000 e fits : Im $6, 000. 01 to $7,000 14,000 m e d ia te ly etc. in increm ents 3 O f ----o r 1st of 2, 000 $ 1, 000 to $50, 000 fo llow in g to 100, 000 and o v e r month. — — — — — E m ployee -■ — $40 — — 26 w eeks p e r d is a b ility . (4 ) (5 ) R e tir e d em ployee W ith 15 y e a rs o f s e r v ic e and plan p a r t ic i pation of: 1 to 5 ye a rs 5 y e a r s and o v e r $625 500 plus 1 p e r cent of amount in e ffe c t im m e d ia te ly p r io r to re tire m e n t tim es y e a rs of s e r v ic e . 7 1 Com bination o f te rm and paid-up in su rance. An em p loy ee m ay w ithdraw his contributions at any tim e, th ereby discontinuing the co vera g e. an em ployee w ill reta in the amount o f paid-up in su rance pu rchased. 2 M inim um o f 8 w eek s, extent o f s a la ry continuation based on length o f s e r v ic e . 3 Earnings c la sse s a re in clu sive; e. g. , the second group includes a ll em p loy ees earning fr o m $3, 000. 01 up to and including $3, 500 a ye ar. 4 The occupational accident and sick ness b en efit is $16. 5 Maternity, accident, and sickness benefit lim ited to 6 weeks. By lea vin g contribu tion s w ith the in su rance com pany, 145 Plans for Salaried Employees Hospital benefits Sick leave Y e a rs of service Days b enefit per rear At At full half pay Pay___ D aily benefit or service Maximum duration (days) Extended coverage Days Daily amount An cillary services Maternity benefit Em ergency out-patient care o r service Income limits for service surgical and m edical benefits Surgical benefits M o stexpensive Appen dectomy Norm al delivery E m p loy ee and dependents E m p loy ee 8 w e e k s. ( 2) S em ip riva te ro o m . 70 180 50 p ercen t o f cost o f s e m ip r i vate room . $80 fo r room , F u ll co st of s p e c ifie d s e r v board, and an c illa r y s e r v ic e s . ices fo r 1st 70 days; 50 p ercen t o f cost fo r ad ditional 180 days. 1 1 1 See majjor m e d ica l berlefits. $7. 25 R e tire d em p loy ee and dependent S em ip riva te room . 120 — — F u ll cost o f s p e c ifie d s e r v ic e s fo r 120 days. — $ 10 — 1 1 1 1 See majjor m e d ica l ber L e f i t s , E m p loy ee and dependents 6 7 E m p loy ee S em ip riva te ro o m . 21 180 50 p ercen t o f cost of s e m ip r i vate room . $80 fo r ro o m , F u ll cost of s p e c ifie d s e r v bo a rd , and an ices fo r 1st 21 c illa r y s e r v ic e s . days; 50 p ercen t o f co st fo r ad d itional 180 days. $7. 25 Individual, $2, 500; fa m ily , $4, 000. $250 $ 125 $75 R e tir e d em p loy ee and dependent 6 caused 7 R e tir e d duction H o sp ita l, s u rg ic a l, and m e d ic a l ben efits d es crib e d are those a v a ila b le to the la r g e s t group o f em p loy ees. H o spital ben efits payable only fo r expenses in ex c e s s of $20, i f confinem ent is not by accid en t s u rg e ry o r pregn ancy. The m in im u m life in su ran ce c o vera g e fo r such re tir e d em p loy ees is the g r e a te r o f (1) 25 p ercen t o f the amount in e ffe c t im m e d ia te ly p r io r to re tir e m e n t and (2) $1, 250. Maxim um is $ 10, 000. e m p lo y ees m a y apply the amount o f insurance co verag e in ex cess o f $1, 250 tow ards paym ent o f m a jo r m e d ica l type expen ses in ex cess o f $300; when such b en efits a re paid a correspond ing r e is m ade in the r e tir e d em p loy ees life insurance. 146 Selected Health and Insurance Plans M edical allowances Other benefits Company Office Home T im e, Inc. Hospital Maximum number of visits paid for Elsew here Maximum number of days paid for E m p loyee and dependents i . : i S ee majc >r m e d ic a l bent;fits . — Benefits begin Maximum compensation Types and amounts Sickness Accident i R e tir e d em p loy ee and dependent 1 1 i 1 1 ! ; ! 1 1 See majc >r m e d ic a l bene;fit s ., I 1 E m p loyee and dependents 6 Union Carbide Corp. 1 [ 1st 2 days, 2 p e r day. 1st 2 days, $4 p e r v is it ; 3d through 21st day, $4 p e r day; 2 2d through 201st day, $ 14 p e r w eek. # 201 p e r d is a b ility . $452 p e r d isa b ility . R e tir e d em p loy ee and dependent 1st day. 1st day. E le c tr o -s h o c k th erapy: (F o r ca ses in o r out o f h o s p ita l), $ 10 p e r trea tm en t; m axim u m , $100 per year. 147 for Salaried Employees— Continued M ajor m edical Type of expense subject to deductible Deductible amount Accumulation period and its application Benefit period F rom incurrence of expenses in From start excess of of disability deductible Financing Coinsurance Maximum benefit Reinstatement Employee Company E m p loy ee and dependents A ll, $50 (8) C alen dar ye a r, 2-month c a r r y o v e r ; a ll d is a b ilitie s . Calendar ye a r; a ll d is a b ilitie s . 75 percen t. $ 10, 000 p e r life tim e . A ft e r $ 1, 000 o f e x pen ses and upon e v i dence o f in su ra b ility. E xception : M a x im u m fo r n o r m a l d e liv e r y m a tern ity e x pen ses, $220. I L ife in su rance, a ccid en ta l death and dism em b erm en t, lin d paid sick lea ve ~ _ _ I F u ll cost. O ptional life insurance 9 0 1 A ge to n ea rest birth day M onthly contribu tion p e r $ 1, 000 L e s s than 30______ $ 1 .0 0 30 to 35____________ 1. 25 35 to 4 0 ____________ 1. 50 40 to 4 5 --2. 00 45 to 50 _____________ 2. 50 50 and o v e r _______ 3. 00 B alan ce o f cost. O ther b en efits 40 p ercen t o f cost. Balan ce o f cost. R e tir e d em p loy ee and dependent Sam e as above. $500 12 months; a ll d is a b ilitie s . 12 months; a ll d is a b ilitie s . Same as above. 1 A ll b en efits $ 10, 000 p e r life tim e . P r i o r to age 65: F u ll cost. A t age 65: 40 p ercen t o f cost. B alan ce o f cost. E m p loy ee and dependents A ll. $ 100 (i° ) C alen dar ye ar; a ll d is a b ilitie s . C alen dar y e a r; a ll d is a b ilitie s . 80 p ercen t. $ 10,000 p e r life tim e . A ft e r use of $ 1, 000 and upon evid en ce o f in su ra b ility. 1 A ll ben efits O n e-h a lf cost. O n e-h a lf cost. R e tir e d em p loyee and dependent7 F u ll cost. 8 O u t-o f-h o s p ita l p s y c h ia tr ic ca re is not a c o vered expense. 9 E m p lo y e e 1s contribu tion used to purchase paid-up insu rance, com pany pays fu ll co st o f te rm in su rance. 1 The d ed u ctib le a p p lica b le to em ployees and dependents not c o v e r e d by the b a sic plan ben efits is $300. 0 148 Selected Health and Insurance Company United States L in es C orp . E lig ib ility (when new em p loyees becom e e lig ib le ) Im m ed i a tely o r 1st o f fo llo w in g month. Scope o f accidental death and d ism em b erm en t Schedule o f ben efits B a sis o f graduation L ife insu rance O ptional life in su rance A cc id e n ta l death and d is m e m b erm en t A ccid e n t and sickness O ccu pa tion al Nonoccupational Scope o f accident and sickness Occupa tional N on occu pa tion a l A c c id e n t and sick ness M axim u m duration S ickn ess 8th. 8th. E m ployee Annual sa la ry . 2 tim es annual sa la ry ; m axim u m , $75, 000. 71.67 p e r cent o f sa la ry ; m axim um , $250 p er month. X 26 w eek s. R e tir e d em ployee 1 W ith 10 to 20 y e a r s < f s e r v ic e : o Am ount in e ffe c t imm Lediately p r io r to re tir e m e n t r educed 15 p e rcen t at re tir e m e n t and 15 p e rcen t annually ther<sa fter to 25 p erc e n t o f amount in e ffe c t im m e d ia te ly p r io r to re tir e m e n t. W ith 20 o r m o re years i o f s e r v ic e : Am ount in e ffe c t imm Lediately p r io r to re tir e m e n t r educed 10 p e rcen t at re tir e m e n t and 10 p ercen t th e re a fte r to 50 p erc e n t o f amount in e ffe c t ir n m ed ia tely p r io r to re tire m e n t. T o ta l h ospital, s u rg ic a l and m a jo r m e d ic a l ben efits lim ite d to $5,000 p e r d is a b ility , Lu m p-sum paym ent o f $150 in lieu o f re g u la r h osp ita l and s u rg ic a l b en efits. D ay ben efit begins A c c id e n t ben efits p rovid ed a re p a rt o f a co m preh en sive m a jo r m e d ic a l p r o g ra m . 149 Plans for Salaried Employees Sick leave D ay8 b enefit per rear Y e a rs At At of full half service PaV___ —P a y ___ E m p lo y ee Hospital benefits Daily benefit or service Maximum duration (days) Extended coverage Days Daily amount A n cillary services Maternity benefit Em ergency out-patient care o r service Income limits for service surgical and m edical benefits Surgical benefits M o stexpensive Appen dectomy Norm al delivery E m p loyee and dependents 1 $18 31 $180 (2) $180 R etire d em ployee and dependent $200 $100 (2) 150 Selected Health and Insurance Plans Medical allowances Other benefits Company Home United States L in es Corp. Office Hospital Elsew here Maximum number of visits paid for Maximum number of days paid for Benefits begin Maximum compensation Types and amounts Sickness Accident E m ployee and dependents 1 See m a jo r m e d ic a l benefits. R e tir e d em ployee and dependent 1 1 l : 151 for Salaried Employees— Continued M a jo r m edical T yp e of expense su bject to deductible Deductible amount Accumulation period and its application Benefit period F ro m incurrence of expenses in From start excess of of disability deductible Financing Coinsurance Maximum benefit Reinstatement Employee Company E m p loyee and dependents A ll, except h osp ita l and s u rg ica l. Annual sa la ry : L e s s than $5, 000—$ 50 $ 5, 000 to $ 7, 500—$75 $ 7, 500 and o v e r—$ 100. C alen dar year; a ll d is a b ilitie s . 2 y e a r s ; a ll d is a b ilitie s . 80 percen t. E xception: Outo f-h o s p ita l p s y ch ia tric ca re , 50 p ercen t o f ch a rges up to $20 a v is it. $ 5, 000 p e r d is a b ility. Exception: M axim u m num b e r o f v is its fo r o u t-o f-h o s p ita l p sy c h ia t r ic ca re ; 75 p e r ca len dar y e a r. R e tir e d em ployee and dependent Upon evid ence of in su ra b ility. 1 A ccid e n t and S ickness V3 p ercen t o f m onthly s a la ry . B a la n ce o f cost. O ther B en efits F u ll cost. 152 Selected Health and Insurance Company become eligible) United States S teel Corp. P a id sick lea ve: 8 w eeks. O ther b e n e fits : Im m e d i a te ly o r 1st o f fo llo w in g month. Scope of accidental death and dismemberment Schedule of benefits Eligibility (when new B asis of graduation Life insurance Optional life insurance Accidental death and dism em berment Accident and sickness Occupa tional Nonoccupational Scope of accident and sickness Accident and sickness Occupa tional Nonoccupational Maximum duration X X 26 w e e k s 3 p e r d is a b ility . Day benefit begins Accident Sickness 1st. 1st. N onexem pt em ployee 1 Annual earn in gs: L e s s than $4,500 $4,500 to $5,400 $5,400 to $6, 300 $6, 300 to $7, 200 $7, 200 to $8, 100 $ 8,100 and o v e r — — $5,000 5, 500 6, 000 6, 500 7, 000 7, 500 $2, 2, 2, 2, 3, 3, 000 250 500 750 000 250 — $53 56 59 62 65 68 (2) Exem pt em ployee 5 Annual earn in gs. 1 y e a r of earn in gs. Vz y e a r o f earn in gs. R e tire d nonexempt em ployee Annual earnings i m m e d ia te ly p r io r to r e tirem en t: L e s s than $4,500 $4, 500 to $5,400 $5, 400 to $6, 300 $6, 300 to $7, 200 $ 7, 200 to $8, 100 $ 8,100 and o v e r $1, 300 1, 350 1,400 1,450 1, 500 1, 550 R e tir e d exem pt em ployee R e tir in g p r io r to age 65: B a sic and optional life insu rance in e ffe c t m aintained until age 65, b a sic insurance then reduced to 25 p e r cent o f amount in e ffe c t im m ed ia tely p r io r to r e tir e m e n t (m in im u m $ 1, 250), optional in su rance discontinued. R e tir in g at o r a fte r age 65: B a sic life in s u r ance redu ced to 25 p ercen t of amount in e f fe c t im m e d ia te ly p r io r to re tire m e n t (m in im um $ 1 ,2 5 0 ), option al in su rance d isc o n tinued.1 3 2 1 2 3 lim ited S a la ried em ployees who a re not exem pt under the F a ir L a b o r Standards A ct. O ccupational a ccident and sickness b en efit is the d iffe re n c e betw een w ork m en 's com pensation ben efit and the above amount. D uration o f accident and sick ness b en efit reduced by any p e rio d fo r which sick le a v e s a la ry continuance is paid during a continuous to 6 w eeks. p erio d o f d is a b ility . M a te rn ity b en efit paym ents 153 Plans for Salaried Employees Hospital benefits Sick leave Y e a rs of service Days b enefit per rear At At half full pav __ Pav Daily benefit or service Maximum duration (days) Extended coverage Days Daily amount An cillary services Income limits for service surgical and m edical benefits Surgical benefits M o stexpensive Appen dectomy Norm al delivery N on exem pt em p loy ee and dependents 1 N on exem pt em p loy ee B a lan ce S em ip riva te o f pay ro o m . p e r io d 4 p lu s : 120 F u ll cost of s p e c ifie d s e r v ic e s . W eeks 1 1 1 8 w eeks to Vz lk to 1 1 to 5 5 to 10 10 to 15 15 to 20 20 and o v e r Maternity benefit Em ergency out-patient care o r service S e m ip riva te ro o m and board fo r 10 days plus fu ll cost o f s p e c ifie d a n c il la r y s e r v ic e s . R eq u ire d s e r v ices provid ed. $300 $150 $90 2 4 8 12 16 20 26 Exem pt em p loy ee and dependents 5 E xem p t em p loy ee 1 ------- 1 -------r Sam e as above. 1 S em ip riva te ro o m . 70 300 I I S e m ip riva te ro o m and board fo r 10 days plus up to $300 fo r a n c illa r y s e r v ic e s . R eq u ired s e r v ic e s provid ed. yee and dependemt R e tire d nonexem pt em p lo 1 R e tire 'd exem pt employ*se and dependent T h e len gth o f the pay p e r io d is 2 w eeks. S a la rie d e m p lo y ees that a re exem pt under the F a ir L abor Standards A ct, 300 150 $90 154 Selected Health and Insurance Plans M ed ica l a llow an ces Other benefits Company Hom e O ffic e H ospita l M axim um num ber o f v is its paid fo r M axim um num ber o f days paid fo r M axim um com pensation B en efits begin Types and amounts Sickness Accident N on exem pt em p loy ee and dependents 1 United States S te el Corp. E lse w h ere 1st day, $15; 2d day, $ 10; next 8 days, $4 p e r day; th e re a fte r 3 p er day., 120 p e r d is a b ility . $387 p e r d isa b ility . 1st day. 1st day. D ia gn os tic X - r a y a llow a n ce; (F o r ca ses in o r out o f h o sp ita l), $ 75 du ring any 12-month p erio d . R a d ia tion th era py allow a n ce: (F o r ca ses in o r out o f h o s p ita l), $ 10 p e r trea tm en t; m axim u m a llo w ance p e r condition ran ges fr o m $50 to $ 200. A n e sth es ia b en efit: 20 p ercen t o f s u rg ic a l p ro ce d u re; m in im u m , $ 20. D ia gn os tic exam in ation s: $75 during any 12-m onth p e rio d . E xem pt em p loy ee and dependents 5 R e tir e d nonexem pt em p loy ee and dependent R e tir e d exem pt em p loy ee and dependent 155 for Salaried Employees— Continued M ajor m edical Type of expense subject to deductible Deductible amount Accumulation period and its application Financing Benefit period F rom incurrence of expenses in From start excess of of disability deductible Coinsurance Maximum benefit Reinstatement Employee Company Nonexem pt em p loy ee and dependents 1 A ll. $100 Calen dar year; a ll d is a b ilitie s . C alen dar ye a r. 80 percen t. $ 5, 000 p e r y e a r ; $ 10,000 p e r life tim e . ! A ft e r $2,000 o f e x pen ses; upon evid ence o f in su ra b ility. B a sic life insurance j F u ll cost. O ptional life insurance $ 0 .9 6 p e r $1,000 p e r month. O ther ben efits F u ll cost. Exem pt em p loy ee and dependents 5 1 p ercen t o f annual e a rn in gs; m a x i m um , $300. C alen dar year; a ll d is a b ilitie s . Calendar y e a r. 80 percen t. Exception; P s y c h ia tric ca re, 50 p ercen t i f em p loyee not to ta lly disabled o r i f dependent not confined to a h osp ital, san ita riu m , o r oth er in stitu tion. $ 20, 000 p e r y e a r ; $40, 000 p e r life tim e . 1 B a sic life insurance A ft e r $2,000 o f e x pen ses; upon evid ence o f in su ra b ility. F u ll cost. — O ptional life insurance $ 0 .55 p e r $1,000 p er month. Other ben efits — R e tir e d nonexem pt em ployee and dependent F u ll cost. !---------------------------------- L ife insurance — F u ll cost. R e tire d exem pt em p loyee and dependent Sam e as above. Sam e as a bove. Sam e as above. Same as above. Same as above. 1 -------------------------------------------L ife insurance $ 10,000 p e r life tim e . F u ll cost. M a jo r m e d ic a l F u ll cost. 156 Selected Health and Insurance Company W eyerh a eu ser Co. E lig ib ility (when new em p loyees becom e e lig ib le ) A ccid e n t and s ic k n ess: A ft e r 3 months. O ther b e n e fits : Im m e d i a tely or 1st o f fo llow in g month. Scope o f accidental death and d ism em b erm en t Schedule o f ben efits B a sis o f graduation L ife insurance O ptional life insurance A c cid e n ta l death and d is m e m b erm en t A ccid e n t and sickness O ccu pa tional Nonoccupational Scope o f accident and sickness O ccupa tional N onoccupational A c c id e n t and sick ness M axim u m duration Day b en efit begins A c c id e n t E m ployee 26 w eeks p e r d is a b ility . 1 Annual earn in gs: L e s s than $3,400 $3,000 $3,400 to $4, 800 4,000 $4, 800 to $6, 000 6,000 $6, 000 to $ 7,500 7,500 $7, 500 to $10, 000 10,000 and up in in crem en ts of $2,500 to $37, 500 2,500 to and o v e r ■ 40,000 $3, 4, 6, 7, 10, 000 000 000 500 000 $30 40 40 40 40 (2) 10, 000 R e tir e d em ployee R e tir in g at age 65 Sam e as w ith 10 o r m o re b asis o f ye a rs o f s e r v ic e : graduation. Am ount in e ffe c t im m e d ia te ly p r io r to re tir e m e n t reduced 12 1/z p ercen t at r e tire m e n t and I 2 V2 p ercen t annually th e re a fte r until amount equals 25 p e r cent o f amount in e ffe c t p r io r to r e tirem en t. M a tern ity , accid en t, and sickness ben efit paym ents lim ite d to 6 w eeks. A ft e r age 60 ben efits lim ite d to 26 w eeks during a calen dar ye a r. A p p lica b le to w ard accom m odations only, h ow ever, i f a v e r a g e w ard rate is g r e a t e r than $21 p er day, ben efit is 80 p ercen t o f such ra te (rounded to n e a re s t d o lla r ). Sicknes 157 Plans for Salaried Employees Sick leave Days b enefit per rear Y e a rs At At of full half service pav pay E m p loy ee Hospital benefits D aily benefit or service Maximum duration (days) Extended coverage Days Daily amount A n cillary services Maternity benefit Em ergency out-patient care or service Income limits for service surgical and m edical benefits Surgical benefits M ostexpensive Appen dectomy Norm al delivery $350 $175 E m ployee only: $87.50. E m p loy ee and dependents $ 17 3 365 Em ploye e only 90 $ 17 3 E m p loyee: R oom $320, plus 75 p ercen t o f a d d i and board, $17 tion al ch arges. p er day fo r 14 days; s p e cified a n c illa r y s e r v ic e s , $ 160. R eq u ired s e r v ices provid ed . Dependent: $100 fo r ro o m , board, and a n c illa r y s e r v ic e s . R e tir e d em p loyee and dependent * 158 Selected Health and Insurance Plans M edical allowances Other benefits Company Home Office Hospital Elsew here Maxim vim number of visits paid for Maximum number of days paid for Maximum compensation Benefits begin Types and amounts Sickness Accident E m p loyee and dependents W eyerh a eu ser Co. $5 p e r v is it. $ 3. 50 p er v is it. $3 fo r each day o f con fin em e n t. H om e and o ffic e : 1 p e r day. H om e and o ffic e : U n lim ited. 1st day. H ospital: a b ility . $252 p er d is 1st day. D ia gn os tic la b o ra to r y and X - r a y exam in ation allow a n ce: (F o r nonh o s p ita liz e d c a s e s ), $ 60 p er ca len d a r y e a r . S upplem entary a ccid en t expense allow a n ce: (F o r expen ses in e x c e s s o f those c o v e r e d by oth er plan b en efits in cu rre d within 90 days o f date o f a c cid e n t), 75 p ercen t o f such expen ses; m axim u m , $ 300 p e r acciden t. R e tir e d em p loy ee and dependent Duration o f b en efit p erio d not sp e cified . 159 for Salaried Employees— Continued M ajor m edical T ype of expense subject to deductible Deductible amount Accumulation period and its application Benefit period F rom incurrence From start of expenses in of disability excess of deductible E m ployee and dependents Financing Coinsurance Maximum benefit Reinstatement Employee Company E m p loyee F u ll cost, Depen idents M onthly W ife o nly...................$ 9 .53 C h ild ren only _ 5. 58 W ife and c h ild re n __ 13.45 Husband o n l y ______ 7. 38 Husband and ch ild ren __ _ ___ 8. 78 B alan ce o f cost. Appendix C o m p an ie s and T h e ir M a jo r P ro d u c ts A lu m in u m Co. of A m e rica A m e r i c a n A ir lin e s , Inc. A m e r ic a n T e le p h o n e and T e le g rap h Co. B o rd en Co. , The B u rlin gto n In d u strie s, C a m p b e ll Soup Co. C a terp illa r T ra c to r Inc. Co. C h ase M an hattan B a n k , The C lu ett, P e a b o d y and C o. , Inc. C o n so lid ated F o o d s C orp . Crow n Z e lle rb a c h C orp . D etroit E d iso n Co. , C om pany M a jo r p ro d u c ts Com pany The D o u g la s A ir c r a f t C o ., Inc. d u P o n t d e N e m o u r s , E . I. and Co. A lu m in u m and a lu m in u m p ro d u cts A ir tran sp o rtatio n C o m m u n icatio n s M a jo r p ro d u c ts K r e s g e , S. S. Co. K r o e h l e r M a n u fa c tu rin g Co. L im ite d p ric e v a rie ty sto re s F u rn itu re L e rn e r Shops of A m e rica, R e ta il tr a d e - w o m e n 's a p p a r e l Inc. M cC ro ry C orp. (M cC rory— M c L e l l a n —G r e e n S t o r e s D iv isio n ) M e l p a r , Inc. (S u b s, of W e stin g h o u s e A ir B r a k e Co. ) N ew Y o rk T im e s C o ., The N o r th A m e r i c a n A v ia tio n , Inc. C an n ed so u p s and oth er foods F a r m and co n stru ctio n eq u ip m en t B an k in g S h irts and oth er a p p a re l W h o le sa le tr a d e - food P a p e r and oth er fo r e st p ro d u c ts N e w sp a p e r p u b lish in g A irc ra ft and relate d p ro d u cts P a c if ic G a s and E le c t r ic Co. D airy p ro d u cts T e x tiles L im ite d p ric e v a rie ty sto re s E le c tric en ergy and g a s p ro d u ctio n and d istrib u tio n R a ilro a d tran sp o rta tio n M e d ic in a l c h e m ic a ls and p h a rm a c e u tic al p ro d u cts F lat g la s s , p ain ts and c h e m ic als L ife in su ra n c e P e n n sy lv a n ia R a i lr o a d Co. P f i z e r , C h a s . & C o . , Inc. E le c tr ic en erg y p ro d u ctio n and d istrib u tio n A ir c r a ft and re la te d p ro d u c ts C h e m ic a ls, and allie d p ro d u cts P it t s b u r g h P la t e G l a s s Co. P r u d e n t i a l I n s u r a n c e Co. of A m erica R ad io C o rp . of A m erica R ad io and te le v isio n eq u ip m en t c o m m u n icatio n s B u sin e ss re se a rc h se rv ic e s E a stm a n K odak Co. P h o to g ra p h ic eq u ip m en t and su p p lies G e n e ra l E le c t r ic Co. E le c t r ic a l e q u ip m en t and su p p lie s T r a n sp o r ta tio n eq u ip m en t R e ta il trad e - d ep artm e n t sto re s R ubber p ro d u cts S a f e w a y S t o r e s , Inc. S p e r r y G y r o s c o p e Co. (D iv isio n of S p e rry R and C orp. ) S t a n d a r d O il C o. (N ew J e r s e y ) I n t e r c it y m o t o r b u s lin e S tev en s, J . Sw ift & C o. G en eral M otors C orp. G im b e l B r o t h e r s , Inc. G oodyear T ire and R ub b er Co. , The G reyhound C o r p ., The H art, S ch affn er and M arx In tern atio n al B u s in e s s M a c h in e s C orp. In tern atio n al H a r v e s t e r C o. In te rn atio n al P a p e r Co. In tern atio n al Shoe Co. R e s e a r c h In stitu te of A m e r i c a , Inc. M e n 's a p p a r e l m a n u fa c tu r in g P. C o m m u n ica tio n s e q u ip m en t and Co. R etail trad e - g r o c e r y sto re s In stru m en ts and co n tro l d e v ic e s, c o m m u n ic a tio n s e q u ip m en t P e tr o le u m p ro d u c tio n , refin in g and d istrib u tio n T extiles M eat p ro d u cts T h om pson, R a m o W o o ld rid g e , Inc. T i m e , Inc. U n ion C a r b id e C o r p . U n ited S ta te s L in e s C orp. U n ited S ta t e s S te e l C o rp . C h e m ic als and allie d p ro d u cts Deep s e a tra n sp o rta tio n Iron, s t e e l, an d s t e e l p r o d u c ts W eyerhaeuser C o m p u tin g and acco u n tin g m a c h in e s, ty p e w r ite r s and relate d p ro d u cts F a r m and co n stru ctio n eq u ip m en t, tru ck s P a p e r and relate d p ro d u cts Sh oes and relate d p ro d u cts A irc ra ft, a e r o s p a c e , and au to m o tiv e p a r t s and eq u ip m en t M agazin e p u b lish in g L u m b e r and oth er fo r e st p ro d u cts Co. 161 ☆ U. S. G O V E R N M E N T P R I N T I N G O F F I C E : 1964 O - 7 2 1 -5 3 6 Recent BLS Publications on Employee Benefit Plans Pensions 1284 Pension Plans Under C o lle c tiv e Bargaining: Norm al Retirem ent, Early and D isability R etirem ent, F all 1959. 1307 Digest o f One-Hundred Selected Pension Plans Under C o lle c tiv e Bargaining, Spring 1961. 1326 M u ltiem p loyer Pension Plans Under C o lle c tiv e Bargaining, Spring 1960. 1334 Pension Plans Under C o lle c tiv e Bargaining: 1373 Digest o f 50 S elected Pension Plans for Salaried Employees, Spring 1963. Benefit for Survivors, W inter 1961-62. R ecen t Changes in N egotiated Pension Plans. Monthly Labor R e v ie w . M ay 1962. (R eprint 2392) Prelim inary R elease: (February 1961) Prevalence of M u ltiem ployer Pension Plans Under C o lle c tiv e Bargaining, Spring 1960. Prelim inary R elease: Prevalence and Characteristics of Unfunded Pension Plans. (January 1963) Health and Insurance 1250 H ealth and Insurance Plans UnderC o lle c tiv e Bargaining: A ccid en t and Sickness Benefits, 1274 H ealth and Insurance Plans UnderC o lle c tiv e Bargaining: Hospital Benefits, Early 1959. 1280 H ealth and Insurance Plans UnderC o lle c tiv e Bargaining: Surgical and M ed ica l Benefits, 1293 H ealth and Insurance Plans UnderC o lle c tiv e Bargaining: M ajor M ed ica l Benefits, F a ll 1960. 1296 H ealth and Insurance Plans Under C o lle c tiv e Bargaining: L ife Insurance and A ccid en ta l Death and Dismemberment Benefits, Early Summer 1960. 1330 Digest o f One Hundred Selected Health and Insurance Plans Under C o lle c tiv e Bargaining, W inter 1961-62. R ecen t Changes in N egotiated Health and Insurance Plans. Fall 1958. Late Summer 1959. Monthly Labor R e v ie w , September 1962. Other 1325 Digest o f Profit-Sharing, Savings, and Stock Purchase Plans, Winter 1961-62. Health, Insurance, and Pension Plan Coverage in Union Contracts, Late 1960. 1365 D igest of N ine Supplemental Unemployment Benefit Plans, Early 1963. BLS Report 228. (Reprint 2402)
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