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

STATES
R

D EPARTM EN T

M itc h e ll,

O F

S ecreta ry

OF LABOR ST AT ISTICS
Joy Wickens, Acting Commissioner

H e a lth

and

In s u r a n c e

P la n s

B a r g a in in g , 1 9 5 4

L A B O R

B u lle t in N o . 1 1 8 0




Iowa State T each ers C ollege Library
Cedar Falls. Iowa

Call Number

^ 3 A

___________ L L S L & J b _____
Y\o
Accession

Number

U 8 0

D ig e st of
O ne-H undred Selected H ealth and In su ran ce P la n s
U nder Collective B a rg a in in g , 1954




B u lle t in N o . 1 1 8 0

June 1955
U N IT E D

STATES

D E PA R TM E N T

J a m e s

P.

O F

M itc h e ll,

L A B O R

S e cre ta ry

BUREAU OF LABOR S T A T IS T IC S
Aryness Joy Wickens, Acting Commissioner

For sale by the Superintendent of Documents, U. S. Government Printing Office, Washington 25, D. C.

-

Price

$1.00




The establishment of health and insurance plans by em­
ployers and unions through collective bargaining, or the inclusion
of existing plans within the scope of the collective bargaining
agreement, is recognized as one of the outstanding developments
in labor-management relations in the past decade* By the end
of 1954, more than 11,500,000 workers were estimated to be cov­
ered by health and insurance plans under collective bargaining*

Digests of selected plans were issued by the Bureau in
1950 and 1951. Many changes in the scope and substance of health
and insurance plans have been instituted since 1951. Significant
among the changes have been (l) the broadening of the health and
insurance “package1 to include additional benefits, (2) the exten­
1
sion of benefits to dependents of employees and, to a lesser de­
gree, to retired employees and their dependents, and (3) the
general increase in the amounts of the benefits provided* The
present report, which brings up to date a number of plans de­
scribed in previous digests, is more comprehensive in scope and
in detail. It attempts to reflect the nature of the benefits pro­
vided to workers and the differences among plans in a form suit­
able for quick reference.

The Bureau of Labor Statistics maintains a file of selected
health and insurance plans for public use and has conducted a
number of studies in this field, including reports on the growth
of worker coverage under collectively bargained programs, analy­
ses of plans in specific industries, and digests of the provisions
of selected plans*

For the convenience of the reader, State temporary disa­
bility laws which affect some of the plans covered in this digest
are summarized in appendix A. Three prepaid medical care pro­
grams utilized by one or more of the selected plans are described
in appendixes B, C, and D; other prepaid medical care programs
are referred to and summarized in the appropriate plan digest.

This report describes the principal features of 100 se­
lected health and insurance plans in effect in 1954* The number
of workers covered by these plans ranges from about one thou­
sand to several hundred thousand. The selected plans are not
presented as typical or “model1 plans, nor as a representative
1
sample of all plans under collective bargaining* They were chosen
for this study because they covered large numbers of workers in
major industries, or because they illustrated different approaches
to health and insurance coverage, or because of their interest to
the general public evidenced in inquiries received by the Bureau*




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

ii
i




Contents

Index
Page

E x p l a n a t o r y n o t e s _______________________________________________________
S e l e c t e d h e a lt h a n d i n s u r a n c e p l a n s ________________________________
A p p e n d ix e s :
A - S t a t e T e m p o r a r y D i s a b i l i t y I n s u r a n c e ----------------------------B - H e a l t h I n s u r a n c e P l a n o f G r e a t e r N e w Y o r k ___________
C - K a i s e r F o u n d a t i o n H e a l t h P l a n __________ __________________
D - N e w Y o r k H o t e l T r a d e s C o u n c il (A F L ) and H o te l
A s s o c i a t i o n H e a l t h C e n t e r , I n c , P l a n --------------------------




1
4
203
206
207
208

Single

Employer

Plans

Page

Aluminum Co. of America_______________________________
Aluminum Workers (AFL.)
Steelworkers (CIO)
American Can Co._______________________________________
Steelworkers (CIO)
American Radiator and Standard Sanitary Corp. ---------------Standard Allied Trades Council (AFL)
American Seating Co. _________________________________ _—
Automobile Workers (CIO)
American Sugar Refining Co. ____________________________
Longshoremen (AFL)
American Viscose Corp. __________________________________
Textile Workers (CIO)
American Woolen Co. ___________________________________
Textile Workers (CIO)
Armour and Co. __________________________________________
Meat Cutters (AFL)
Packinghouse Workers (CIO)
Armstrong Cork Co.___________________________________ Rubber Workers (CIO)
Bethlehem Steel Co. _______________________________________
Steelworkers (CIO)
Bigelow-Sanford Carpet Co.______________________________
Textile Workers (CIO)
Botany Mills______________________________________________
Textile Workers (CIO)
Brown and Bigelow Co. ____________________________________
Bookbinders (AFL)
Campbell Soup Co. ______________________________________
Packinghouse Workers (CIO)
Caterpillar Tractor Co. _________________________________
Automobile Workers (CIO)
Chase Brass and Copper Co._____________________________
Automobile Workers (CIO)
Colt1s Manufacturing C o._______________________________ Automobile Workers (CIO)
Cone Mills Corp. ________________________________________
Textile Workers (CIO)
Continental Can Co._____________________________________
Steelworkers (CIO)
Deere and Co. __________________________________________
Automobile Workers (CIO)
Detroit Edison Co. ______________________________________
Utility Workers (CIO)
Dow Chemical C o ._______________________________________
District 50, United Mine Workers (ind.)

88
100
100
40
4
64
22
16
22
94
22
28
52
4
112
88
4
22
106
106
178
58

Index - Continued
Single

Employer

Plans

Elgin National Watch Co. ------------------------------------------------Watch Workers (ind.)
Firestone Tire and Rubber Co. ------------------------------------------Rubber Workers (CIO)
Florsheim Shoe C o.-----------------------------------------------------------Shoe Workers (CIO)
Ford Motor Co. --------------------------------------------------------------Automobile Workers (CIO)
Gair, Robert, C o.-------------------------------------------------------------Paper Makers (AFL)
General Foods Corp. ---------------------------------------------------------Various unions
General Motors Corp. ----------------------------------------------------Automobile Workers (CIO)
Goodrich, B. F. , Co. -------------------------------------------------------Rubber Workers (CIO)
International Harvester Co. -----------------------------------------------Automobile Workers (CIO)
International Paper C o.------------------------------------------------------Paper Makers (AFL)
Pulp, Sulphite, and Paper Mill Workers (AFL)
International Shoe Co. ___________________________________
Shoe Workers (CIO)
Johnson and Johnson-------------------------------------------------------Textile Workers (CIO)
Kennecott Copper Corp. _________________________________
Various unions
Liggett and Myers Tobacco Co. ---------------------------------------Tobacco Workers (AFL)
Minneapolis-Honeywell Regulator C o.-------------------------------Teamsters (AFL)
Minnesota Mining and Manufacturing C o .--------------------------Gas, Coke, and Chemical Workers (CIO)
National Biscuit Co. _____________________________________
Bakery and Confectionery Workers (AFL)
North American Aviation-------------------------------------------------Automobile Workers (CIO)
Owens-Illinois Glass Co. ________________________________
Glass Bottle Blowers (AFL)
Pennsylvania Power and Light Co. _______________________
Employees Independent Assn (ind.)




Page

136
76
76
124
46
10
124
70
112
46
82
142
148
16
130
82
4
124
88
178

Single

Employer

Plans

Philip Morris and Co.--------------------------------------------------------Tobacco Workers (AFL)
Pittsburgh Plate Glass Co. ------------------------------------------------Glass, Ceramic, and Silica Sand Workers (CIO)
Prudential Life Insurance Co* of America---------------------------Insurance Agents (AFL)
Public Service Coordinated Transport---------------------------------Street, Electric Railway and Motor Coach
Employees (AFL)
Pullman-Standard Car Manufacturing Co. ---------------------------Steelworkers (CIO)
Radio Corp. of America ----------------------------------------------------Electrical Workers (CIO)
Electrical Workers (AFL)
Sinclair Oil Corp. _________________________________________
Oil Workers (CIO)
Socony Vacuum Oil Co. ____________________________________
Oil Workers (CIO)
Sperry Gyroscope Co. -------------------------------------------------------Electrical Workers (CIO)
Stanolind Oil and Gas Co. ---------------------------------------------------Stanolind Employees Bargaining Agency (ind.)
Swift and Co. _____________________________________________
Meat Cutters (AFL)
Packinghouse Workers (CIO)
Packinghouse Workers (ind.)
Texas Co.________________________________________________
Oil Workers (CIO)
Twin City Rapid Transit Co. _______________________________
Street, Electric Railway and Motor Coach
Employees (AFL)
United States Rubber Co. _____________________________
Rubber Workers (CIO)
United States Steel Corp.----------------------------------------------------Steelworkers (CIO)
Weirton Steel Co._________________________________________
Independent Steelworkers Union (ind.)
Westinghouse Electric Corp.----------------------------------------------Electrical Workers (CIO)
West Virginia Pulp and Paper C o.---------------------------------------Paper Workers (CIO)
Pulp, Sulphite, and Paper Mill Workers (AFL)

Page

18
88
190
160
130
118
70
70
136
154
18

84
186
76
100
94
118
52

Index - Continued
Single Empl o y e r Plans - By Industry

Page

Single Empl oyer Plans - By Industry

Manufacturing

Manufacturing

Chemicals:
American YjgrftP Hnrpt
A
Textile Workers (CIO)
Dow Chemical Co --------------------------------------- ________
District 50, United Mine Workers (ind.)

Metalworking - Continued
64
_ .

58

Food:
American Sugar Refining Co*____________________________
Longshoremen (AFL)
Armour and Co. __________________________________________
Meat Cutters (AFL)
Packinghouse Workers (CIO)
National Biscuit Co. -------------------------------------------------------Bakery and Confectionery Workers (AFL)
Campbell Soup C o .______________________________
Packinghouse Workers (CIO)
General Foods Corp.______________________________________
Various unions
Swift and Co. __________________________________________ —
Meat Cutters (AFL)
Packinghouse Workers (CIO)
Packinghouse Workers (ind.)

4
16
4
4
10
16

Furniture:
American Seating Co. --------------------------------------------------— .
Automobile Workers (CIO)

40

Leather:
_____
Florsheim Shoe Co ____________ _____________________ „
Shoe Workers (CIO)
International Shoe Co. ___________________________________
Shoe Workers (CIO)

American Can C o .--------------------------- ------------------------------Steelworkers (CIO)
American Radiator and Standard Sanitary Corp.___________
Standard Allied Trades Council (AFL)
Aluminum Co • of America----------------------------------------------Aluminum Workers (AFL)

Steelworkers (CIO)

Bethlehem Steel Co. _____________________________________
94
Steelworkers (CIO)
Caterpillar Tractor Co. __,________________________________
112
Automobile Workers (CIO)
88
Chase Brass and Copper Co_______________________________
Automobile Workers (CIO)
Continental Can C o._______________________________________
106
Steelworkers (CIO)
Deere and Co. ____________________________________________
106
Automobile Workers (CIO)
Ford Motor C o ._____________________________ -—------------124
Automobile Workers (CIO)
General Motors Corp. ___________________________________
124
Automobile Workers (CIO)
International Harvester C o .--------------------------------------------112
Automobile Workers (CIO)
North American Aviation_________________________________
124
Automobile Workers (CIO)
Pullman-Standard Car Manufacturing Co. ------------------------130
Steelworkers (CIO)
Radio Corp. of America_______________________________ — 118
Electrical Workers (CIO)
Electrical Workers (AFL)
United States Steel Corp._________________________________
100
Steelworkers (CIO)
Weirton Steel Co. —
____________________________ *-----------94
Independent Steelworkers Union (ind.)
Westinghouse Electric Corp.___________________________ 118
Electrical Workers (CIO)

76
Ordnance:
82

Colt's Manufacturing C o .______ _________________________
Automobile Workers (CIO)

Metalworking:



Page

100

Paper:

100

Gair, Robert, C o._____________________________________ _
Paper Makers (AFL)
International Paper C o._________________________________
Paper Makers (AFL)
Pulp, Sulphite, and Paper Mill Workers (AFL)

4

88
vii

46
46

Index - Continued
Single Empl oyer Plans - By Industry

Page

Single Empl oyer Pl ans

Textiles - Continued

Paper - Continued
52

Petroleum and Coal:
Sinclair Oil Corp. —
--------------------------------------------------------Oil Workers (CIO)
Socony Vacuum Oil C o .__________________________________
Oil Workers (CIO)
Texas Co. ______________________________________________
Oil Workers (CIO)

70
70
64

Printing and Publishing:
Brown and Bigelow C o .---------------------------------------------------Bookbinders (AFL)
Rubber:
----------------Firestone Tire and Rubber Co. --------------------- —
Rubber Workers (CIO)
Goodrich, B. F•, Co. __ ___ — _____ _—-— -------------- —
—
Rubber Workers (CIO)
United States Rubber Co.-------------------------------------------------Rubber Workers (CIO)
Stone, Clay, and Glass:
Minnesota Mining and Manufacturing C o .-------------------------Gas, Coke, and Chemical Workers (CIO)
Owens-Illinois Glass Co. ------------------------------------------------Glass Bottle Blowers (AFL)
Pittsburgh Plate Glass C o .----------------------------------------------Glass, Ceramic, and Silica Sand Workers (CIO)
Textiles:
American Woolen Co. ----------------------------------------------------Textile Workers (CIO)
Armstrong Cork C o .____________________________________
Rubber Workers (CIO)
Bigelow-Sanford Carpet Co. --------------------------------------------Textile Workers (CIO)
Botany
 Mills_____________________________________________
Textile Workers (CIO)


Page

Manufacturing

Manufacturing

West Virginia Pulp and Paper Co. --------------------------------- Paper Workers (CIO)
Pulp, Sulphite, and Paper Mill Workers (AFL)

- By Industry

52

76
70
76

82
88
88

22
22
22
28

Cone Mills Corp. ________________________________________
Textile Workers (CIO)
Tobacco:
Liggett and Myers Tobacco C o .___________________________
Tobacco Workers (AFL)
Philip Morris and Co. __________________ —
________________
Tobacco Workers (AFL)
Other Manufacturing:
Elgin National Watch Co. _________________________________
Watch Workers (ind.)
Johnson and Johnson______________________________________
Textile Workers (CIO)
Minneapolis-Honeywell Regulator C o .______________________
Teamsters (AFL)
Sperry Gyroscope Co. ____________________________________
Electrical Workers (CIO)
Nonmanufacturing
Finance, Insurance, and Real Estate:
Prudential Life Insurance Co. of America------------------------Insurance Agents (AFL)
Mining:
Kennecott Copper Corp. ---------------------------------------------------Various unions
Stanolind Oil and Gas Co. ------------------------------------------------Stanolind Employees Bargaining Agency (ind.)
Transportation, Communication, and
Other Public Utilities:
Detroit Edison C o .________ ________________ _______________
Utility Workers (CIO)
Pennsylvania Power and Light C o .________________________
Employees Independent Assn (ind.)
Public Service Coordinated Transport--------------------------------Street, Electric Railway and Motor Coach
Employees (AFL)
Twin City Rapid Transit C o .______________________________
Street, Electric Railway and Motor Coach
Employees (AFL)
viii

22

16
16

136
142
130
136

190

148
154

178
178
160
166

Index - Continued

M u ltie m p lo y e r

P la n s

-

B y

In d u stry

M u ltie m p lo y e r

Page

In d u stry

M e t a l T r a d e s A s s n ( C a l i f . ) ___________________________________________
M a c h in is ts (A F L )
M e ta lw o r k in g , v a r io u s e m p lo y e r s , N e w a r k , N . J . an d
N e w Y o r k , N . Y . a r e a ______________________________________________
E l e c t r ic a l W o r k e r s , D is t r ic t 4 (in d .)
M e t a l w o r k i n g , v a r i o u s e m p l o y e r s , S t . L o u i s , M o . a r e a , ____
M a c h in is ts , D is t r ic t 9 (A F L )

34

34

28

Page

106

142
148

P r in t in g an d P u b lis h in g :
28
L i t h o g r a p h e r s A s s n o f S a n F r a n c i s c o ( E m p l o y i n g ) _____________
L i t h o g r a p h e r s (C I O )
L i t h o g r a p h e r s A s s n ( C h i c a g o ) _______________________________________
L i t h o g r a p h e r s (C I O )
P u b l i s h e r s A s s n o f N e w Y o r k C i t y _______ ._________________________
T y p o g r a p h i c a l U n io n ( A F L )

F ood:
10

52
58
58

10
O th e r M a n u fa c tu r in g :

F u r n itu r e :
F u r n i t u r e M f r s . in S o . C a l i f . , I n d u s t r i a l R e l a t i o n s
C o u n c i l o f ________________________________________________________________
C a rp e n te r s (A F L )
F u r n i t u r e i n d u s t r y , v a r i o u s e m p l o y e r s —_______________________ ___
F u r n i t u r e W o r k e r s (C I O )
U p h o ls te r in g a n d a l lie d t r a d e s in d u s t r ie s , v a r io u s e m p lo y e r s
U p h o ls t e r e r s ' (A F L )

B y

M e ta l w o r k in g :

A p p a r e l:

B r e w e r s B o a r d o f T r a d e , N e w Y o r k , N . Y . ______________________
T e a m s t e r s (A F L )
D i s t i l l e r y i n d u s t r y , v a r i o u s e m p l o y e r s __________________________ ...
D is t ille r y W o r k e r s (A F L )

-

M a n u f a c t u r in g

M a n u f a c t u r in g

C l o t h i n g i n d u s t r y , m e n 1 s a n d b o y s * , v a r i o u s e m p l o y e r s _____
C l o s i n g W o r k e r s (C I O )
D r e s s in d u s tr y , A ffilia t e d D r e s s M f r s . , an d o th e r
e m p l o y e r s , N e w Y o r k , N . Y . ________________________ _____________
L a d ie s G a r m e n t W o r k e r s (A F L )
F u r m a n u fa c tu r in g a n d r e t a ilin g in d u s tr y , A s s o c ia t e d F u r
M f r s . , a n d o t h e r e m p l o y e r s , N e w Y o r k , N . Y . - ____________
F u r a n d L e a th e r W o r k e r s (in d .)
M illin e r y in d u s tr y , E a s t e r n W o m e n 1s H e a d w e a r A s s n an d
o t h e r e m p l o y e r s , N e w Y o r k , N . Y . ____ _________________________
H a tte r s , C ap an d M illin e r y W o r k e r s (A F L )

P la n s

D o ll a n d to y in d u s tr y , N a tl A s s n o f D o ll M f r s . an d o th e r
e m p l o y e r s , N e w Y o r k , N . Y . _____________________________________
D o ll an d T o y W o r k e r s (A F L )
J e w e lr y in d u s tr y , A s s o c ia t e d J e w e le r s , I n c ., J e w e lr y
C r a f t s A s s n a n d o t h e r e m p l o y e r s , N e w Y o r k , N . Y . ______
J e w e lr y W o r k e r s , L o c a l 1 (A F L )

40
40
46

142

142

N o n m a n u f a c t u r in g
C o n s t r u c tio n :

L ea th er:
L e a t h e r M f r s . A s s n ( M a s s . ) _________ ___________________ ___ —............
F u r a n d L e a th e r W o r k e r s (in d .)
L u g g a g e a n d l e a t h e r g o o d s i n d u s t r y , v a r i o u s e m p l o y e r s ______
H a n d b a g , L u g g a g e , B e lt a n d N o v e lty W o r k e r s (A F L )

C o n s t r u c tio n in d u s tr y , A s s o c ia t e d G e n e r a l C o n t r a c t o r s o f
A m . a n d o t h e r e m p l o y e r s , N o . C a l i f . -------.------------------------------C a rp e n te r s (A F L )
C o n s t r u c tio n in d u s t r y , v a r io u s e m p lo y e r s , W e s te r n P a . _
V a r i o u s A F L u n io n s
P a i n t e r s a n d D e c o r a t o r s o f th e C i t y o f N e w Y o r k ( A s s n o f
M a s t e r ) _________________________________________________________________
P a in t e r s , D is t r ic t C o u n c il 9 (A F L )

82
82

L u m ber:
L u m b e r i n d u s t r y , v a r i o u s e m p l o y e r s , S o . C a l i f . ______________
C a rp e n te r s (A F L )
L u m b e r in d u s t r y , v a r io u s e m p l o y e r s , O r e g . , W a s h ., C a l i f . ,
I d a h o , a n d M o n t . _____ _________________________________________________

154

160

34
F in a n c e , In s u r a n c e , an d R e a l E s ta te :
40

R e a lty A d v is o r y B o a r d o n L a b o r R e la t io n s , N ew Y o r k , N .Y .
B u ild in g S e r v ic e E m p lo y e e s (A F L )

W o o d w o r k e r s (C I O )




154

ix

196

index - Continued

M u ltie m p lo y e r

P la n s

-

B y

In d u stry

M u l t i e m p l o y .e r

Page

S e r v ic e s

F is h e r ie s :

154




Page

- C o n tin u e d

M a r itim e in d u s tr y , v a r io u s e m p lo y e r s , A tla n tic an d
G u l f C o a s t s ----------------------------------------------------------------------------------------------S e a fa r e r s (A F L )
M a r it im e in d u s tr y , v a r io u s e m p lo y e r s , A t la n tic a n d
G u l f C o a s t s _____________________________________________________________
M a r i t i m e U n io n (C IO )
M a r it im e in d u s tr y , v a r io u s e m p lo y e r s , A t la n tic a n d
G u l f C o a s t s _____________________________________________________________
M a r i n e E n g i n e e r s (C IO )
N a t io n a l A u t o m o b i l e T r a n s p o r t e r s A s s n --------------------------------------T e a m s t e r s , N a t io n a l T r u c k a w a y a n d D r i v e a w a y
C o n fe r e n c e (A F L )
P a c i f i c M a r i t i m e A s s n ---------------------------------------------------------------------------L o n g s h o r e m e n * s a n d W a r e h o u s e m e n 's U n io n ( i n d . )
T r u c k O w n e r s A s s n o f C a l i f . _________________________________________
T e a m s t e r s (A F L )
T r u c k in g in d u s tr y , lo c a l c a r t a g e an d o v e r - t h e - r o a d
f r e ig h t , v a r io u s a s s n s a n d in d iv id u a l e m p lo y e r s ,
C e n t r a l S t a t e s , S o u t h e a s t a n d S o u t h w e s t a r e a s -----------------------T e a m s t e r s (A F L )

184

190

184
184

S e r v ic e s :
H o t e l A s s n o f N e w Y o r k C i t y _________________________________________
N ew Y o r k H o te l T r a d e s C o u n c il (A F L )

In d u s try

196

T r a n s p o r ta tio n , C o m m u n ic a tio n , an d
O th e r P u b lic U t ilit ie s :

R e t a il an d W h o le s a le T r a d e :
D i s t r i b u t o r s A s s n o f N o . C a l i f . --------------------------------------------------------L o n g s h o r e m e n * s a n d W a r e h o u s e m e n * s U n io n ,
L o c a l 6 (in d .)
D ru g in d u s tr y (R e t a il) , v a r io u s a s s n s an d e m p lo y e r s ,
N e w Y o r k , N . Y . --------------------------------------------------------------------------------R e t a i l , W h o l e s a l e , a n d D e p a r t m e n t S t o r e U n io n ,
L o c a l 1 1 9 9 (C I O )
R e s ta u r a n t in d u s t r y , P r o g r e s s i v e R e s ta u r a n t O w n e r s A s s n ,
a n d o t h e r e m p l o y e r s . N e w Y o r k , N . Y . _______________________
H o te l a n d R e s ta u r a n t E m p lo y e e s , L o c a l 89 (A F L )
R e ta il tr a d e in d u s tr y , v a r io u s e m p lo y e r s , N ew Y o r k , N . Y .
R e t a il C le r k s (A F L )

B y

L a u n d r y i n d u s t r y , v a r i o u s e m p l o y e r s _____________________________
L a u n d ry W o r k e r s (A F L )

148

M in in g :
C o a l i n d u s t r y ( B i t u m i n o u s ) , v a r i o u s e m p l o y e r s ________________
U n it e d M in e W o r k e r s ( i n d . )

-

N o n m a n u fa c t u r in g

N o n m a n u fa c t u r in g

A l a s k a S a l m o n I n d u s t r y , I n c . ________ _______________________________
A l a s k a F i s h e r m e n 1 s U n io n (I n & .)
C o r d o v a D i s t r i c t F i s h e r i e s U n io n ( i n d . )

P la n s

196

x

172

172

172
166

178
172

166

Digest of One*Hundred Selected Health and Insurance Plans Under Collective Bargaining, 1954
E X P L A N A T O R Y

g r o u p o f c o v e r e d w o r k e r s a r e d e s c r i b e d a n d th e p r o g r a m s o d e ­
s c r i b e d i s i d e n t i f i e d , e . g . , th e M i c h i g a n H o s p i t a l S e r v i c e (B lu e
C r o s s p la n ) a n d M i c h i g a n M e d i c a l S e r v i c e ( B l u e S h ie l d p l a n ) .

N O TES

A l t h o u g h th e t e r m s a n d p r o v i s i o n s o f th e d i g e s t s o f h e a lt h
a n d i n s u r a n c e p l a n s u s e d in t h i s r e p o r t a r e g e n e r a l l y s e l f - e x p l a n a ­
t o r y , s o m e s p e c ia l d e fin it io n s and q u a lific a tio n s w e r e r e q u ir e d .
T h e se a re se t fo r th b e lo w .
I t m u s t b e e m p h a s i z e d th a t a s u m ­
m a r y o f a p la n n e c e s s a r i l y o m i t s m a n y f e a t u r e s a n d a d m i n i s t r a ­
t i v e d e t a i l s e m b o d i e d in th e a g r e e m e n t s a n d i n s u r a n c e p o l i c i e s
w h i c h g o v e r n th e o p e r a t i o n o f th e p l a n .
P la n s

U nder

C o lle c t iv e

In d iv id u a ls

B a r g a in in g

C ases

N o n o c c u p a tio n a l

T h i s t e r m a p p l i e s to r e q u i r e m e n t s w h i c h a n e w e m p l o y e e
m u s t f u l f i l l in o r d e r to b e c o v e r e d b y th e p la n o r t o b e c o m e e l i ­
g i b l e t o p a r t i c i p a t e in th e p r o g r a m .
A l t h o u g h th e e m p l o y e e g e n ­
e r a l l y b e c o m e s e l i g i b l e to r e c e i v e b e n e f i t s u p o n q u a l if y i n g f o r
p la n c o v e r a g e , f u r t h e r r e q u i r e m e n t s m a y b e s t i p u l a t e d f o r s p e c i f i c
b e n e f i t s , e . g . , h o s p i t a l b e n e f i t s in m a t e r n i t y c a s e s .
S u ch a d d i­
tio n a l r e q u ir e m e n t s a r e n o te d w h e r e a p p lic a b le .

W h e n u s e d in th e d i g e s t , t h is s y m b o l m e a n s th a t th e
c o l u m n is^ a p p l i c a b l e o r th a t th e b e n e f i t
p r o v id e d
u n d e r th e p r o g r a m .

In t h o s e S t a t e s h a v in g t e m p o r a r y d i s a b i l i t y l e g i s l a t i o n 1
a n d in w h i c h th e b e n e f i t s a r e p r o v i d e d u n d e r p r i v a t e p l a n s , w o r k ­
e r s a r e e lig ib le f o r d is a b ilit y c a s h b e n e fit s a s s o o n a s th e y q u a lify

W h e n u s e d in th e d i g e s t , t h is s y m b o l m e a n s th a t th e
c o l u m n i s n o t a p p l i c a b l e o r th a t th e b e n e f i t i s n o t
p r o v i d e d u n d e r th e p r o g r a m .

1
F o u r S ta tes h a v e e n a c te d sta tu te s p r o v id in g p r o te c tio n
f r o m lo s s o f w a g e s b e c a u s e o f t e m p o r a r y d is a b ilit y a r is in g ou t
o f n o n o c c u p a tio n a l c a u s e s .
T h e s e a r e : R h o d e Is la n d , C a lifo r n ia ,
N ew J e r s e y , and N ew Y o r k .
T h e sta tu te s o f C a lifo r n ia and N ew
J e r s e y p r o v i d e f o r th e s u b s t i t u t i o n o f p r i v a t e p l a n s f o r th e S t a t e
p la n .
T h e N e w Y o r k s t a t u t e d o e s n o t p r o v i d e f o r a S t a t e p la n
b u t r e q u i r e s e m p l o y e r s t o a r r a n g e f o r th e b e n e f i t s t h r o u g h i n ­
s u r a n c e c o m p a n ie s , a c o m p e t it iv e S ta te fu n d , o r b y s e lf-in s u r a n c e .
R h o d e I s l a n d m a k e s n o p r o v i s i o n f o r th e s u b s t i t u t i o n o f a p r i v a t e
p la n a n d t h e r e f o r e d o e s n o t a f f e c t t h e q u a l i f i c a t i o n r e q u i r e m e n t s
o f p r i v a t e p l a n s in t h a t S t a t e .
F o r a m o r e c o m p le t e d e s c r ip tio n
o f th e s e p la n s , s e e a p p e n d ix A .

W it h in P l a n s

A l t h o u g h a s i n g l e p r o g r a m m a y b e in e f f e c t t h r o u g h o u t
th e v a r i o u s p la n t s o r c o m p a n i e s c o v e r e d b y a m u lt ip la n t o r m u l t i ­
e m p l o y e r p r o g r a m , v a r i a t i o n s in s o m e b e n e f i t s m a y o c c u r b e t w e e n
p la n t s o r c o m p a n i e s .
A c o m m o n e x a m p l e o f t h is v a r i a t i o n i s th a t
r e la t in g to h o s p it a l, s u r g ic a l , an d m e d ic a l b e n e fits p r o v id e d
th r o u g h B lu e C r o s s an d B lu e S h ie ld p r o g r a m s .
B e n e fits u n d er
t h e s e p r o g r a m s g e n e r a l l y v a r y f r o m l o c a l i t y to l o c a l i t y .
W h ere
v a r ia t io n s in b e n e fit s a r e k n o w n to e x is t u n d e r a p a r t ic u la r m u lt i p l a n t o r m u l t i e m p l o y e r p l a n , th e p r o v i s i o n s c o v e r i n g th e l a r g e s t




C o v e r e d — O cc u p a tio n a l o r

E lig ib ilit y R e q u ir e m e n ts

S y m b o ls

V a ria tio n s

A p p ly

F o r e a c h p la n th e d i g e s t s h o w s th e t y p e s o f c o v e r a g e
( n o n o c c u p a t i o n a l a n d / o r o c c u p a t i o n a l ) f o r w h i c h a c c i d e n t a l d e a th
a n d d is m e m b e r m e n t in s u r a n c e an d a c c id e n t an d s ic k n e s s b e n e fits
a r e p a y a b le .
H o s p ita l, s u r g ic a l, an d m e d ic a l b e n e fit s , e x c e p t
w h e r e in d ic a t e d , a r e a v a ila b le o n ly f o r n o n o c c u p a tio n a l ( o f f - t h e jo b ) d i s a b i l i t i e s .

A lth o u g h t h e s e p la n s a r e u n d e r c o l l e c t i v e b a r g a in in g , a s
d e f i n e d a b o v e , t h e y a r e n o t n e c e s s a r i l y l i m i t e d in a p p l i c a t i o n t o
e m p lo y e e s c o v e r e d b y c o lle c t iv e b a rg a in in g a g r e e m e n t s .
In c o m ­
p a n i e s w h e r e m o r e th a n o n e u n io n r e p r e s e n t s e m p l o y e e s u n d e r
th e s a m e p l a n , th e u n io n o r u n io n s i d e n t i f i e d in th e p la n d i g e s t s
a c c o u n t fo r a la r g e p r o p o r t io n , bu t n ot n e c e s s a r ily a ll o r a m a ­
j o r i t y o f th e w o r k e r s u n d e r c o l l e c t i v e b a r g a i n i n g a g r e e m e n t s .

—

th e B e n e f i t s

E x c e p t a s in d ic a t e d , l i f e in s u r a n c e ( o r d e a th b e n e fit s )
a n d a c c id e n t a l d e a th an d d is m e m b e r m e n t in s u r a n c e a r e a v a ila b le
o n l y to e m p l o y e e s .
A c c id e n t a n d s ic k n e s s in s u r a n c e b e n e fits a r e
a v a i l a b l e o n l y to e m p l o y e e s . T h e a v a i l a b i l i t y o f h o s p i t a l , s u r g i c a l ,
a n d m e d i c a l b e n e f i t s to e m p l o y e e s a n d t h e i r d e p e n d e n t s i s i n d i ­
c a t e d in th e a p p r o p r i a t e s e c t i o n s o f th e p la n d i g e s t .

F o r th e p u r p o s e o f t h is s t u d y , p la n s u n d e r c o l l e c t i v e
b a r g a i n i n g i n c l u d e (1 ) t h o s e e s t a b l i s h e d f o r th e f i r s t t i m e a s a
r e s u l t o f c o l l e c t i v e b a r g a i n i n g , a n d (2 ) t h o s e o r i g i n a l l y e s t a b l i s h e d
b y e i t h e r th e e m p l o y e r o r th e u n io n , b u t s i n c e b r o u g h t w it h in th e
s c o p e o f th e a g r e e m e n t , a t l e a s t t o th e e x t e n t th a t th e a g r e e m e n t
e s t a b l i s h e s e m p l o y e r r e s p o n s i b i l i t y to c o n t in u e o r p r o v i d e c e r t a i n
b e n e fit s .

X

to W h o m

1

2

u n d e r th e S t a t e l a w , i r r e s p e c t i v e o f th e p r i v a t e p la n e l i g i b i l i t y
r e q u i r e m e n t s . T h e s e p a y m e n t s m a y b e p r o v i d e d u n d e r th e p r i v a t e
p la n t h r o u g h m o d i f i c a t i o n o f i t s e l i g i b i l i t y r u l e s o r f r o m th e S t a t e
p la n u n t il th e w o r k e r b e c o m e s e l i g i b l e u n d e r th e p r i v a t e p l a n .
In
a d d i t i o n , s o m e p la n s m a y a p p e a r n o t to c o m p l y w it h s t a t u t o r y
r e q u i r e m e n t s a s r e g a r d s e l i g i b i l i t y r e q u i r e m e n t s ; in t h e s e c a s e s ,
h o w e v e r , t h e y n e e d n o t d o s o i n a s m u c h a s th e p r i v a t e p la n b e n e ­
f i t s a r e in a d d i t i o n to t h o s e p r e s c r i b e d b y th e S t a t e l a w .
“ I m m e d ia te ly o r f i r s t o f fo llo w in g m o n th . n T h is t e r m is
u s e d to i n d i c a t e th e e l i g i b i l i t y r e q u i r e m e n t s u n d e r w h i c h a n e m ­
p l o y e e b e c o m e s e l i g i b l e to p a r t i c i p a t e in th e p r o g r a m n o t l a t e r
th a n th e f i r s t o f th e m o n t h f o l l o w i n g d a t e o f e m p l o y m e n t .
“ C o v e r e d e m p lo y m e n t1 m e a n s e m p lo y m e n t b y an e m p lo y e r
1
c o n t r i b u t i n g to th e p la n ( f u n d ) .
L ife

In S t a t e s h a v in g t e m p o r a r y d i s a b i l i t y l e g i s l a t i o n a n d in
w h ich a c c id e n t an d s i c k n e s s b e n e fit s a r e p r o v i d e d th r o u g h p r i ­
v a t e p l a n s , th e b e n e f i t r i g h t s o f e m p l o y e e s u n d e r th e p r i v a t e
p la n m u s t m e e t c e r t a i n m i n i m u m s t a t u t o r y r e q u i r e m e n t s .
For
a d e s c r ip t io n o f th e s e r e q u ir e m e n t s , s e e a p p e n d ix A .
H o s p ita liz a tio n
D a i l y b e n e f i t o r s e r v i c e . — I f th e p l a n p r o v i d e s f o r e i t h e r
“ w a r d o r s e m ip r iv a t e “ a c c o m m o d a t io n s , o n ly “ s e m ip r iv a t e " is
e n t e r e d a s th e b e n e f i t a v a i l a b l e .
In t h o s e c a s e s w h e r e th e p la n
i n d i c a t e s th a t s e m i p r i v a t e a c c o m m o d a t i o n s a r e p r o v i d e d b u t l i m i t s
th e a l l o w a n c e t o a s p e c i f i e d c a s h a m o u n t , o n l y th e c a s h a m o u n t
is n o te d .
G e n e r a lly , w h e r e s e m ip r iv a t e r o o m a c c o m m o d a tio n s
a r e p r o v i d e d , th e p la n a l s o s p e c i f i e s a n a l l o w a n c e t o w a r d th e
c o s t o f a p r iv a te r o o m .
T h i s p r o v i s i o n i s n o t n o t e d in th e p la n
s u m m a r ie s .

In su ra n ce

In a d d i t i o n t o th e b a s i c l i f e i n s u r a n c e b e n e f i t s p r o v i d e d
u n d e r a p la n , s p e c i f i e d a d d itio n a l a m o u n ts a r e o ft e n m a d e a v a i l ­
a b l e to th e e m p l o y e e o n a c o n t r i b u t o r y b a s i s o r a t h is o w n c o s t .
A v a i l a b i l i t y o f t h is a d d i t i o n a l i n s u r a n c e i s i n d i c a t e d b y f o o t n o t e
r e fe r e n c e .
If a d d i t i o n a l i n s u r a n c e i s m a d e a v a i l a b l e b y th e c o m ­
p a n y , b u t n o t u n d e r th e c o l l e c t i v e b a r g a i n i n g a g r e e m e n t , t h is i s
i n d i c a t e d in a f o o t n o t e s i m p l y a s “ c o m p a n y m a k e s a v a i l a b l e a d d i ­
tio n a l in s u r a n c e 1 o r “ c o m p a n y m a k e s a v a ila b le l i f e i n s u r a n c e . 1
1
1

S im ila r q u a lific a t io n s a p p ly to s u r g i c a l a n d m e d ic a l c a r e
a llo w a n c e s an d a r e n o te d a c c o r d i n g ly .

A c c id e n t a l D e a th an d D is m e m b e r m e n t

o n e 'f o o t ,

tw o o r

S i n g l e d i s m e m b e r m e n t . — R e f e r s to th e l o s s
o r th e s i g h t o f o n e e y e .

M u lt i d is m e m b e r m e n t . — G e n e r a l ly
m ore m em bers.

r e fe rs

o f one hand,

t o th e

lo s s

of

D ea th b e n e f it s . — U n d er an a c c id e n ta l d e a th an d d is m e m ­
b e r m e n t p r o v i s i o n a r e p a y a b l e 'i n a d d i t i o n to a n y l i f e i n s u r a n c e
b e n e f i t s w h i c h m a y b e o t h e r w i s e p r o v i d e d u n d e r th e p r o g r a m .
A c cid e n t and S ick n e s s
In t h is r e p o r t a c c i d e n t a n d s i c k n e s s i n s u r a n c e b e n e f i t s
a r e l i m i t e d to th a t t y p e o f i n s u r a n c e u n d e r w h i c h p r e d e t e r m i n e d
c a s h p a y m e n t s a r e m a d e to c o v e r e d e m p l o y e e s d u r i n g p e r i o d s o f
te m p o r a r y d is a b ility .
P a i d s i c k le a v e p la n s a r e n o t in c lu d e d .
In s o m e c a s e s e m p l o y e e s a r e c o v e r e d b y b o t h a c c i d e n t a n d s i c k ­
n e s s in s u r a n c e an d p a id s i c k le a v e p r o g r a m s .
N o r e f e r e n c e is
m a d e t o t h is f a c t in t h e d i g e s t .
H o w e v e r , if n o a c c id e n t and
s i c k n e s s i n s u r a n c e i s p r o v i d e d u n d e r th e h e a lt h a n d i n s u r a n c e
p la n b u t th e e m p l o y e e s a r e c o v e r e d b y p a i d s i c k l e a v e , t h is f a c t
is in d ic a t e d b y a f o o t n o t e .




D a ily h o s p it a l r o o m a n d b o a r d a llo w a n c e s a r e g e n e r a ll y
p r o v id e d on an “ up t o “ b a s i s .
T h i s m e a n s t h a t th e p a t i e n t w i l l
b e r e i m b u r s e d f o r c h a r g e s u p to th e s p e c i f i e d a l l o w a n c e .
In s o m e
p l a n s , h o w e v e r , th e s p e c i f i e d a l l o w a n c e i s p a i d i r r e s p e c t i v e o f
th e c h a r g e f o r th e a c c o m m o d a t i o n s u s e d . T h i s d i s t i n c t i o n i s n o t e d
b y th e u s e o f “ u p t o “ to d e s c r i b e t h e f o r m e r t y p e o f a l l o w a n c e ,
a n d i f th e l a t t e r t y p e o f b e n e f i t i s p r o v i d e d , o n l y th e a m o u n t o f
a llo w a n c e is c it e d .

E x tr a a llo w a n c e o r s e r v i c e . — C a s h a llo w a n c e s o r s e r v ­
i c e s p r o v i d e d in a d d i t i o n t o d a i l y r o o m a n d b o a r d b e n e f i t s .
If
th e p l a n p a y s f o r th e f u l l c o s t o f a l l o f th e s e r v i c e s r e q u i r e d ,
,!F u l l c o s t o f s e r v i c e s “ i s e n t e r e d in th e c o l u m n .
I f th e p la n
p a y s 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 c o s t o f c e r t a in
s e r v i c e s a n d p a r t i a l c o s t o f o t h e r s p e c i f i e d s e r v i c e s ,lF u l l c o s t
o f s p e c ifie d s e r v i c e s 1 is e n t e r e d .
1
A l i s t i n g o f th e s e r v i c e s c o v ­
e r e d o f t e n r u n s to c o n s i d e r a b l e l e n g t h a n d , t h e r e f o r e , c o u l d n o t
b e r e p r o d u c e d in t h e s e s u m m a r i e s .
S e r v ic e s p r o v id e d m a y v a r y c o n s id e r a b ly a m o n g p la n s ,
b u t o fte n in c lu d e u s e o f o p e r a t in g r o o m a n d e q u ip m e n t , g e n e r a l
n u r s i n g c a r e , l a b o r a t o r y e x a m i n a t i o n s c o n s i s t e n t w it h th e d i a g ­
n o s i s f o r w h i c h h o s p i t a l i z e d , d r u g s a n d m e d i c a t i o n s f o r u s e in
h o s p i t a l , a n e s t h e s i a i f a d m i n i s t e r e d b y a n e m p l o y e e o f th e h o s ­
p it a l and an a llo w a n c e f o r a n e s t h e s ia i f a d m in is t e r e d b y a n o n ­
h o s p i t a l e m p l o y e e , a n d X - r a y e x a m i n a t i o n s c o n s i s t e n t w it h d i a g ­
n o s is an d tr e a tm e n t o f c o n d itio n f o r w h ich h o s p it a liz e d .

2
d ix A

N e w Y o r k S ta te h a s

e x c e p tio n s

t o t h is

r u le ;

see

appen-

3

E m e r g e n c y o u t - p a t i e n t c a r e , — R e f e r s to th e s e r v i c e o r
c a s h b e n e f i t p r o v i d e d in th e o u t - p a t i e n t d e p a r t m e n t o f a h o s p i t a l .
In o r d e r f o r th e i n d i v i d u a l to r e c e i v e t h is b e n e f i t , t r e a t m e n t u s u ­
a l l y m u s t b e r e c e i v e d w it h in a s p e c i f i e d n u m b e r o f h o u r s a f t e r th e
c a u s e o f th e e m e r g e n c y o c c u r s .
H o s p ita l c o n fin e m e n t is n o t r e ­
q u ir e d .
I f s e r v i c e s n e c e s s a r y f o r t r e a t m e n t a r e p r o v i d e d w ith
n o c o s t l i m i t a t i o n , " r e q u i r e d s e r v i c e s p r o v i d e d " i s e n t e r e d in
t h is c o l u m n ; i f t h e r e i s a c o s t l i m i t a t i o n o n th e a m o u n t o f s e r v ­
i c e s p r o v i d e d , t h is i s n o t e d .
S u r g ic a l an d M e d ic a l
U p to m a x i m u m s c h e d u l e a l l o w a n c e a c c e p t e d a s f u l l p a y ­
m e n t i f a n n u a l in c o m e is u n d e r . . . — E x c e p t w h e r e in d ic a t e d ,
a n n u a l i n c o m e u n d e r t h is p r o v i s i o n r e f e r s to t o t a l i n c o m e o f p e r ­
son s c o v e r e d .
" M a x i m u m s c h e d u l e a l l o w a n c e " r e f e r s t o th e s u r g i c a l
s c h e d u l e a l l o w a n c e f o r th e m o s t c o s t l y s i n g l e o p e r a t i o n ; o f t e n u s e d
to id e n t ify th e ty p e o f s c h e d u l e , i . e . , a " $ 2 0 0 , " " $ 2 5 0 , " o r
" $ 3 0 0 " s c h e d u le .

w h e r e p r o v i d e d , a r e i n c l u d e d in t h is s e c t i o n .
W h ere su ch b e n e ­
fit s a r e p r o v i d e d o n ly d u rin g h o s p it a l c o n fin e m e n t , th e y a r e c o n ­
s i d e r e d p a r t o f th e " e x t r a a l l o w a n c e o r s e r v i c e s " u n d e r th e h o s ­
p it a liz a t io n s e c t io n .
E x te n s io n

o f B e n e fits

B e n e fit s m a d e a v a ila b le to r e t i r e d e m p lo y e e s an d th e ir
d e p e n d e n t s u n d e r th e p r o g r a m a r e c o v e r e d in t h is s e c t i o n .
B ene­
f i t s p a i d f o r e n t i r e l y b y th e e m p l o y e e a r e i n c l u d e d o n l y i f a v a i l ­
a b le o n a g r o u p r a te b a s i s .
C o v e r a g e a v a i l a b l e to r e t i r e d w o r k ­
e r s a n d / o r t h e i r d e p e n d e n t s t h r o u g h c o n v e r s i o n to i n d iv id u a l p r e ­
m i u m r a t e p o l i c i e s a r e n o t i n c l u d e d in t h is r e p o r t .
U s u a l l y , th e e m p l o y e e m u s t b e r e t i r e d b y th e c o m p a n y
o r b e r e t i r e d u n d e r th e p r o v i s i o n s o f a r e t i r e m e n t p r o g r a m in
o r d e r to b e e l i g i b l e f o r p la n b e n e f i t s .
G e n e r a lly , su ch r e t ir e ­
m e n t is b a s e d on a g e a n d /o r s e r v ic e r e q u ir e m e n t s .
W hen q u a li­
f i c a t i o n s f o r c o v e r a g e a r e i n d i c a t e d in th e p l a n , t h e s e a r e n o t e d
in th e a p p r o p r i a t e b e n e f i t c o l u m n s .
F in a n c in g

M e d ic a l c a r e a llo w a n c e s . — G e n e r a lly , th e se b e n e fit s a r e
n o t p a y a b l e f o r t r e a t m e n t r e c e i v e d in c o n n e c t i o n w ith o r f o l l o w i n g
a n o p e r a t i o n . H o w e v e r , u n d e r s o m e p la n s p r o v i d i n g f o r i n - h o s p i t a l
m e d i c a l b e n e f i t s , th e m a x i m u m a m o u n t o f m e d i c a l b e n e f i t s p a y a b l e
i s d e t e r m i n e d a c c o r d i n g to a s p e c i f i e d f o r m u l a i f a n o p e r a t i o n i s
p e r f o r m e d d u r i n g th e p e r i o d m e d i c a l c a r e a l l o w a n c e s a r e o t h e r ­
w is e p a y a b le .
W h e r e v e r s u c h a f o r m u l a i s i n c l u d e d in th e p l a n ,
th e d e t a i l s a r e s e t f o r t h in a f o o t n o t e .

C o m p a n y o n l y . — T h i s t e r m i s u s e d w h e n th e c o m p a n y
p a y s th e f u l l c o s t o f a l l b e n e f i t s f o r th e c o v e r e d g r o u p o r w h e n
th e o n l y p a y m e n t th e e m p l o y e e m a k e s i s t h a t r e q u i r e d b y S t a t e
te m p o r a r y d is a b ilit y s ta tu te s .
W h e n th e l a t t e r i s th e c a s e , t h is
is in d ic a te d b y a fo o t n o t e .
I f th e b a s i c b e n e f i t s a r e c o m p a n y
fin a n c e d b u t a d d itio n a l b e n e fit s a r e a v a ila b le o n a c o n t r ib u t o r y
b a s i s o r a t th e e m p l o y e e * s s o l e c o s t , th e m e t h o d o f f i n a n c i n g h a s
b e e n d e s i g n a t e d a s " c o m p a n y o n l y 1 w it h a f o o t n o t e e x p la i n in g t h is
1
o p t io n .

M a te r n ity P r o v is io n s

I f b e n e f i t s f o r th e r e t i r e d w o r k e r o r th e r e t i r e d w o r k e r
a n d h i s d e p e n d e n t s a r e p a i d f o r f r o m a fu n d to w h i c h o n l y th e
c o m p a n y c o n t r ib u t e s , th e s e b e n e fit s a r e n o te d a s fin a n c e d b y
" c o m p a n y o n l y " w it h a n a c c o m p a n y i n g f o o t n o t e .

H o s p i t a l a n d m e d i c a l c a r e b e n e f i t s d e s c r i b e d in t h is s e c ­
tio n a r e th o s e a v a ila b le f o r n o r m a l d e liv e r y c a s e s .
U s u a lly ,
h i g h e r a l l o w a n c e s o r b e n e f i t s a r e p r o v i d e d in t h o s e c a s e s w h e r e
o b s t e t r i c a l c o m p lic a t io n s a r i s e ; th e s e b e n e fits a r e n o t d e s c r ib e d
i n t h is r e p o r t .
B e n e f i t s a v a i l a b l e t o n e w l y i n s u r e d . — T h is r e f e r s t o th e
a d d i t i o n a l p e r i o d o f c o v e r a g e u n d e r th e p l a n , i f a n y , r e q u i r e d o f
th e e m p l o y e e a n d / o r d e p e n d e n t b e f o r e
m a te r n ity b e n e fit s
are
a v a ila b le .
O th er

B e n e fit s

T h i s s e c t i o n i n c l u d e s t h o s e b e n e f i t s p r o v i d e d u n d e r th e
p la n a n d n o t d e s c r i b e d e l s e w h e r e in th e d i g e s t .
O u t-o f-h o s p ita l
a llo w a n c e s fo r
a n e s th e s ia ,
X -ra y ,
e le c tr o c a r d io g r a m s ,
etc.,




J o i n t l y . — B e n e f i t s f o r th e c o v e r e d g r o u p a r e c o n s i d e r e d
" j o i n t l y " f i n a n c e d e v e n i f th e e m p l o y e r o r e m p l o y e e p a y s p a r t o f
th e c o s t o f o n l y o n e o f th e b e n e f i t s p r o v i d e d a n d th e o t h e r b e n e f i t s
a r e f i n a n c e d s o l e l y b y th e e m p l o y e r o r e m p l o y e e .
If b e n e fit s f o r
th e r e t i r e d w o r k e r o r th e r e t i r e d w o r k e r a n d h i s d e p e n d e n t s a r e
f i n a n c e d b y c o n t r i b u t i o n s o f th e a c t i v e e m p l o y e e a n d th e c o m p a n y ,
th e b e n e f i t s a r e c o n s i d e r e d " j o i n t l y " f i n a n c e d .
A m o u n ts o f c o n t r ib u t io n . — I n fo r m a t io n is p r o v id e d o n ly
to th e e x t e n t th a t d e t a i l s a r e a v a i l a b l e in th e l i t e r a t u r e d e s c r i b i n g
th e p l a n .
N o a t t e m p t w a s m a d e to d e t e r m i n e th e a c t u a l a m o u n t
o f c o n t r i b u t i o n o r c o s t in t h o s e c a s e s w h e r e th e p la n s i m p l y s t a t e d
th a t th e c o m p a n y o r e m p l o y e e p a i d th e " f u l l c o s t " o r ,fb a l a n c e o f
c o s t .1
1

4

S E L E C T E D

ELIGIBILITY
REQUIREM ENTS
COM P AN Y, UNION,
AND
DATE OF INFORMATION

Amount

If permanently and totally disabled
Amount
B efore
age—

A fter 8 w eeks'
employment

$ 2 ,0 0 0

After 3 m onths'
employment

B efore age 65:
M en— $ 4 ,0 0 0
W om en— $ 2 ,5 0 0

Other benefits:
A fter 6 m onths'
em ployment

Paid in—

A fter age 65:
A t age o5, insurance reduced 2 percent each month to an
amount which varies according to years em ployee contrib­
uted to plan: F o r em ployees having contributed 20 y e a r s ,
insurance reduced to 40 percent (but not le s s than $ 1 ,2 0 0 );
for each year of contribution le s s than 2 0 , insurance con­
tinued is \ lk percent le s s than 40 percent, m inim um
25
percent for 10 years of contribution; for em ployees who
contributed to plan le s s than 10 y e a r s , insurance im m ed i­
ately reduced to $ 5 0 0 .

Graduated
according to—

M ultiSingle
Death dism em ­ d ism e m ­
berment berm ent

$ 2 ,0 0 0 $ 1 ,0 0 0

$ 2 ,0 0 0

Up to 9 m on th s'serv ice— $ 5 0 0 ; thereafter insurance in ­
c rea ses $10 0 per year of service up to m axim um of
$ 1 ,0 0 0 .

L ife insurance:
A fter 3 m onths'
employment

C a se s
covered

Insurance is—
Maintained

C olt1 s Manufacturing
Company

A N D

A C C ID E N T A L D EA TH AND DISM EM BERM EN T

L IF E INSURANCE

New em ployees
becom e
eligible—

H E A L T H

60

N onoccupational;
occupa­
tional

X

Automobile W ork ers (CIO)
September 1954

A m erican Sugar Refining
Company
Longshorem en (A F L )
August 1954

National B iscu it Company
Bakery and Confectionery
W orkers (AF L)
October 1954

Campbell Soup Company
(Camden, N . J .)
Packinghouse W orkers
(CIO)
August 1954




Accident and s ic k - $ 2 ,0 0 0
ness benefits:
Im m ediately or
1 st of following
month
Other benefits:
After 50 days'
employment

60

60

After
age 60

Installments

X

For 1 year

—

N onoccu- S ervice
pational
6 months to 1 y e a r__ $ 1 ,0 0 0 $500
1 year
to 2 years----1 ,1 0 0
550
1 ,2 0 0
2 years to 3 years----600
650
3 years to 4 yea rs----- 1 ,3 0 0
1 ,4 0 0
4 years to 5 years----700
5 yea rs and over-------- 1 ,5 0 0
750

$ 1 ,0 0 0
1 ,1 0 0
1 ,2 0 0

1 ,3 0 0
1 ,4 0 0
1 ,5 0 0

I N S U R A N C E

P L A N S

AC C ID ENT AND SICKNESS

Duration of benefits
C a se s
covered

Amount

$30 per week

Benefits limited
to—

15 weeks
per d is ­
ability

Accident

Sickness

1 st

After
age—

Extended
coverage

Benefits begin

Except
Period

Nonoccupational

HOSPITALIZATION

8 th

day

Daily
benefit
or
service

Duration
Days

Daily
amount

Maximum
room and
board
allowance

Extra allowance
or service

Per
year

Per
d isa­
bility

Em ergency
out-patient
care

Em ployee

day

Up to $ 12

31 days

—

$372

Up to $240

—

X

Up to $240

—

X

Up to $200

Dependents

Up to $ 10

Nonoccupational

B asic w eekly
earnings

W eekly
benefit

13 weeks
per d is ­
ability

70

Discontinued

1 st

day

8 th

B asic weekly
earnings
L e s s than $ 3 5 _____
$ 3 5 to $ 4 0
$ 40 to $ 4 6 ________
$ 4 6 to $5 2
_
$52 to $ 5 8
$ 5 8 to $ 6 3 _
$ 6 3 to $ 6 9 ________
$ 69 and over_______

Nonoccupational

W eekly
benefit

6 weeks
per d is ­
ability

8 th

day

8 th

Up to $200

Fu ll cost of
specified s e r v ­
ices

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

X

Em ployee

Up to $ 10

31 days

—

$310

Up to $ 100

—

X

Up to $ 100

X

Up to $60

Dependents

Up to $ 6

8 th

day

8 th

31 days

$186

Up to $ 60

Em ployee and dependents

day

S e m i­
private
room

70 days

A sso cia ted H ospital S ervice o f Philadelphia (Blue C ross plan); em ployees in other area s covered by different program s,




$310

day

$18
21
24
27
30
33
36
40

T w o-th ird s of average w eek­ 2 6 weeks
ly wage—
per d is ­
M inim um — $ 10 per week
ability
M axim um — $ 30 p e r week

—

Em ployee and dependents 1

S e m i­
private
room

2

—

day

L e ss than $ 3 0 _____
$12
$30 to $ 4 0 _________ 15
$40 to $ 5 0 _________
20
$50 to $ 6 0 _________
25
30
$60 to $ 8 0 _________
$80 and over
_
40

N onoccupational

31 days

Fu ll cost of
specified s e r v ­
ices

X

S E L E C T E D

C o lt 's Manufacturing
Company
Autom obile W orkers
(CIO)
Septem ber 1954

A m erican Sugar Refining
Company
L ongshorem en (AFL)

Up to schedule
allow ance
accepted as full
payment if annual
incom e is under—

E m ployee

Operation schedule—
selected allow ances

Em ployee

Dependents

C o v e rs
ca se 8
in—

M axim um schedule allow ance

JZOO

I$200

H ospital

_______ T on sillectom y
Up to $30
Up to $30

Maxim um schedule allow ance H ospital,
$200
$150
o ffic e , hom e,
elsew here
T onsilleictomy
Up to $30
Up to $25

O ctober 1954
Appendec tom y
Up to $100
Up to $ 100

Cam pbell Soup Company
(Cam den, N. J .)

Maximum schedule allow ance H ospital
$200
f2 0 0

Packinghouse W orkers
(CIO)

T on sillecto m y
Up to $30
Up to $30

August 1954




Home

O ffice

H ospi­
tal

Maxi-"
M aximum
mum
number number
day 8
v is it8
S ickness A ccident
paid
paid
fo r
fo r
B enefits begin

Allow ance
E ls e ­
where

Maxim um
com pensation

$4 fo r
each
day of
con fin e­
ment

$ 124

1st day,
up to
$10; 2d
day, up
to $5;
th ere­
after,
up to $ 3
per day

Home and o f f ic e :
$ t3 p e r year

$3 for
each
day of
con fin e­
ment

$93 p er d isability

p er disa b ility

1st day

1st day

31 per
disability

Appendectom y
Up to $ 100
Up to $ 100

_______ AppendectomyUp to $ 100
[Up to $100

Bakery and C on fection ery
W orkers (A FL)

Up to schedule
allow ance
accep ted as full
payment if annual
incom e is under—

Maximum schedule allow ance H ospital,
$200
$200
o ffic e , hom e,
elsew here
T on sillecto m y
Up to $30
Up to $30

August 1954

National B iscu it Company

AND

MEDICAL

SURGICAL

COMPANY, UNION.
AND
DATE OF INFORMATION

H E A L T H

Up to $1C

jctom y
Up to $ 100

Up to
$3 per
visit

Up to
$3 per
visit

H ospital:
$219 p e r disa b ility

H ospital:
Home
70 per
and
o f f i c e : d isability
1 per
day; 21
H ospital: H ospital: p er year
1st day 1st day
Home
and
o ffice :
4th v is it

Home
and
o ffice :
4th vis it

1st day

1st day

31 p er
disa b ility

I N S U R A N C E

P L A N S

-

C o n tin u e d

MATERNITY PROVISIONS

MEDICAL - Continued
Dependents

M a x im u m

H ospi­ E ls e ­
O ffice
tal
where

com pensation

S urgical

H ospitalization
Maxi­ M axi­
mum
Other
mum
number number p rov ision s
A c c i ­ visits
days
paid
paid
dent
for
fo r

B enefits begin

A llow ance

Sick­
ness

A ccident
and
sickness

Daily
benefit D ura­
or
tion
se rv ice

Maximum
room and
board
allow ance

E m ployee

R egular
benefits
fo r 6 weeks

M edical

Schedule
Extra
allow ance Amounts
allow ance Lump
fo r
and
sum
norm al lim itations
s e rv ice s
deliv ery

B enefits available to
newly insured

E m ployee and dependent:
A fte r 9 months
Up to Up to $50

$120

Dependent
Up to Up to $ 50

$100

1st
day,
up to

$219 p er disa b ility

1st day 1st day

$10;

2d day,
up to
$5;
there
a fter,
up to
$3 p er
day

$3 fo r
each
day o f
con­
fin e ­
m ent

$93 p e r d isa b ility

1st day 1st day

R egular
70 per One in
benefits
d isa ­ hospital
bility con su lta­ fo r 6 weeks
tion allow
ance p er
disa b ility,
up to $10

31 per
d isa ­
b ility

E m ployee and dependent

Up to Up to $60
$75

(‘ )

E m ployee:
A ccid en t and sickness— a fter 9
months

E m ployee and dependent:
If pregnancy com m en ces while
insured

E m ployee

R egular
benefits
fo r 6 weeks

E m ployee and dependent:
Ho spitalization—-imm ediately
S urgical— after 9 months

Up to Up to $50

$100

Dependent
Up to Up to $50
$60

R egular
^benefits
fo r 4 w eeks'
S e m i- 7 days
private
room

E m ployee and dependent

1 A ss ocia ted H ospital S e rv ice o f Philadelphia (Blue C ross plan); em ployees in other a re a s co v e re d by differen t p ro g ra m s .




F ull co s t
o f s p e c i­
fied serv<
ice s

E m ployee and dependent:
H ospitalization— a fter 9 months
S urgical— im m e diately
Up to $60
E m ployee:
A ccid en t and sickn ess—
im m ediately

S E L E C T E D

COMPANY, UNION,
AND
DATE OF INFORMATION

Dependents o f re tire d em ployee

R etired em ployee
T ypes and amounts
L ife insurance

A ccidental
death and
d ism em oerm ent

H ospitalization

Same as fo r active
em ployee but lim ­
ited to 31 days p er
year

C o lt 's Manufacturing
Company
Autom obile W orkers
(CIO)
Septem ber 1954

Surgical

M ed ica l

Same as
fo r a c ­
tive e m ­
ployee
but lim ­
ited to
$200 per
year

L ife
insurance

H ospita li­
zation

Same as
fo r activ e
em ployee
but lim ited
to $124
p er yea r

S u rgical

M edical

$ 1 ,0 0 0

L ongshorem en (AFL)
August 1954

National B iscu it Company

Same as fo r a c ­
tive em ployee

B akery and C onfectionery
W orkers (AFL)
O ctober 1954

Cam pbell Soup Company
(Cam den, N. J .)
Packinghouse W orkers
(CIO)
August 1954

1 Such b enefits as X -r a y , anesth esia, and e le ctro ca rd io g r a m allow an ces m ay be p rov id ed under som e plans, although not listed h ere.
EXPLAN ATORY NOTES.




A N D

EXTENSION OF BENEFITS TO—
(must be at le a st on group rate b a s is)

OTHER B EN E FITS1

A m erican Sugar Refining
Company

H E A L T H

R easons fo r not listin g such b enefits a r e set fo rth in

9

I N S U R A N C E

P L A N S

-

C o n tin u e d

FINANCING
B enefits fo r
em ployee

B enefits fo r e m p lo y e e 's
dependents

B enefits fo r retired
em ployee

B enefits fo r dependents
o f retired em ployee

Amount of contribution for—
B enefits fo r em ployee and dependents

only

Jointly

only

Jointly

only

only

X

X

Jointly

X

only

only

Jointly

only

Em ployee
Dependents' benefits:
£4. lb per month

Company

B enefits fo r retired em ployee
and dependents
Em ployee

E m p lo y e e 's benefits: $ 2 .2 2 p er month
F ull co s t---- $ 1 .6 7
p er week

Company
Balance o f co st

D ependents' b en efits:
Balance o f co s t

X

X

X

X

X

F ull c o s t

X

L ife insurance b e fo re age 65:
Men— $ 1.80 per month
Women— $ 0. 90 per month

F ull co st

L ife insurance:
B efo re age 65—
balance o f co s t;
a fter age 65— full
cost

F ull cost

Other benefits:
F ull c o s t

X

X

(M

E m p lo y e e 's m aternity benefits
(hospitalization and su rg ical):
F ull co st
Dependents' benefits:
F ull co s t

1 E xcep t wom en em p loy ees electin g m aternity cov era ge (hospitalization and su rg ical) pay full co s t of these b en efits.




A ll b enefits fo r e m p lo y e e , except
m aternity cov era ge
fo r hospitalization
and su rg ical:
F u ll co s t

0

S E L E C T E D

E L IG IB IL IT Y
R E Q U IR E M E N T S
C O M P A N Y , UNION,
AN D
D A T E O F IN F O R M A T IO N

D istillery W orkers (AFL)
National plan

Amount

If p e r m a n e n tly and t o ta lly d is a b le d
A m ou n t
B e fo re
age—

1st o f m onth
a ft e r e x p ir a t io n
o f 30 days f o l ­
lo w in g date o f
em p J ovm en t

$ 1 ,5 0 0

Im m ediately or
1st of follow ing
month

Annual wage

60

C ases
covered

In su ra n ce is —
M aintain ed

D istillery industry,
various em p loyers

A N D

A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T

L IF E IN SU R AN CE

becom e
e lig ib le —

H E A L T H

X

G ra d u a ted
a c c o r d in g to**™

D eath

P a id in —

—

N on occu pational

—

M ulti S in gle
d is m e m ­ d i s m e m ­
berm ent berm ent

$2,5 00 $ 1 ,2 5 0

$ 2,5 00

<l >

<l )

(M

___

_
_

_
_

June 1954

General Foods
Corporation
V arious unions
O ctober 1954

B rew ers B oard o f T rade
(New Y ork, N. Y .)
T ea m sters (AFL)

L ess than
$ 1 ,2 0 0 to
$ 1,700 to
$ 2 ,2 0 0 to
$ 3 ,5 0 0 to
$ 4 , 500 to
$ 5 ,5 0 0 to
and up

$ 1 ,5 0 0
1st of month
follow ing 4 w eeks'
em ploym ent

$ 1 ,2 0 0 ________
______ — _
$ 1, 700 _____________________ ________
$ 2 ,2 0 0

$ 3 ,5 0 0 .................................... _______
$ 4 ,5 0 0 .................................... _______
$ 5 , 500 _
.
. . _
$ 6 , 500

In s u r a n c e 2

60

_
_

$ 2 ,0 0 0
3,000
4,000
6,000
8,000
10,000
12,000

Installments
o r lump sum

___

___

(o p tio n a l)

60

X

N o n o ccu pational;
o ccu p a ­
tional

$ 1,500 $750

D ecem ber 1954

If e m p l o y e e 's w a g e s d u rin g the 5 2 -w e e k p e r i o d p r e c e d in g in ju r y total $ 5 ,0 0 0 o r m o r e , am o u n t o f b e n e fit i s d ou b led .
T e r m in s u r a n c e until a g e 45; begin n in g w ith a g e 4 5 , c o m b in a tio n o f t e r m an d p a id -u p in s u r a n c e ; a m o u n t o f te r m in s u r a n c e d e c r e a s e s a s a m o u n t o f p a id -u p in s u r a n c e in c r e a s e s




$ 1 ,5 0 0

11

I N S U R A N C E

P L A N S

-

C o n tin u e d

ACCIDENT AND SICKNESS

HOSPITALIZATION

Duratidn of benefits
C ases
co v e re d

Except

Amount
P eriod

N onoccup ational

50 p ercen t of average w eek ­ 52 weeks
ly wage—
p er d is M inim um — $ 1 2 .5 0 p er week ability

A fter
age—

B enefits lim ited
to—

—

—

Extended
covera ge

B enefits begin

A ccident

1st day

Sickness

Daily
benefit
or
se rv ice

Maximum
room and
board
allow ance

Duration
Days

Daily
amount

8th day o r
1st in
hospital

Extra allow ance P er
o r se rv ice
year

Per
d isa ­
bility

E m ergency
out-patient
care

E m ployee
Up to $7

100 days

—

$700

—

Up to $ 70

—

X

—

X

—

X

—

X

R equired s e rv ice s
provided

X

Up to $ 7 .2 5

—

Dependent wife
Up to $7

100 days

—

$700

—

Up to $60

Dependent ch ild
Up to $6

—
(l )

(M

(M

(l y

(l )

—

—

(M

100 days

E m ployee and dependents
120 days

180

private
room

$35 p er week

13 weeks
p er d is ­
ability

—

1st day

8th day

50 p ercen t
of cost of
s e m iprivate
room

F ull c o s t o f s e rv .
ice s fo r 1st 120
days; 50 p ercen t
o f c o s t fo r addi­
tional 180 days

E m ployee and dependents
5 e m i-

21 days

private
room

No a ccid en t and sick n ess in surance benefit provided by plan; em ployees co v e re d by paid s ick leave plan.




Up to $40

(M
S e m i-

N on occu p ational

$600

—

180

50 p ercen t
of cost of
sem i*
private
ro o m

F ull co s t o f spec­
ifie d s e rv ice s
fo r 1st 21 days;
50 p ercen t o f
c o s t fo r a ddi­
tional 180 days

2

S E L E C T E D

SURGICAL

COMPANY, UNION,
AND
DATE OF INFORMATION

Up to schedule
allow ance
a ccep ted as full
payment if annual
incom e is under—

Dependents

D is t ille r y in d u s tr y ,
v a r io u s e m p lo y e r s

M a x im u m s c h e d u le a llo w a n c e
$200
f2 0 0

D is t ille r y W o r k e r s (A F L )
N ational plan

M a x im u m s c h e d u le a llo w a n c e
$30 0
$300

V a rio u s unions

Up to schedule
allow ance
accep ted as full
payment if annual
incom e is under—

H om e

O ffice

Hospi
tal

" M axl“
M axim um
mum
number number
days
visits
S ickness A ccident
paid
paid
fo r
_ fo r _
_
_
B enefits begin

Allowance
E ls e ­
where

M axim um
com pensation

A p p e n d e c to m y
Up to $110
Up to $ 110

G e n e ra l F o o d s
C o r p o r a tio n

E m ployee
C o ve rs
ca s e s
in—

T o n s ille c t o m y
Up to $30
Up to $30

June 1954

A N D

MEDICAL

Operation schedule—
s elected allow ances

E m ployee

H E A L T H

T o n s ille c t o m y
Up to $ 4 5
Up to $ 4 5

H o s p ita l,
o ffic e , h om e,
e ls e w h e r e

Up to $3 Up to $2 Up to $3 Up to $3 $150 p e r disa b ility
p er visit p e r v is it p e r v is it p er visit

3d v isit
o r 1st
in h o s ­
pital

1st v i s it 1 p e r
day

1st day

1st day

H o s p it a l,
o ffic e , h om e,
e ls e w h e r e

O c t o b e r 1954
A p p e n d e c tom y
Up to $ 150
Up to $150

B rew ers B oard o f Trade
(New Y ork, N. Y .)
T eam sters (AFL)
D ecem ber 1954




Maxim um schedule allow ance H ospital,
$225
$225
o ffic e , hom e,
elsew h ere
T on sillectom y
Up to $40
Under age 12,
up to $25;
Over age 12,
up to $40
Appende c tom y
Up to $ 100
Up to $100

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

$454 p e r d isa b ility

201 p er
d is a ­
b ility

13

INSURANCE

PLANS

-

C on tin u ed

M EDICAL - C ontinued

MATERNITY PROVISIONS

D ependents
A llo w a n ce
H ospi'
H om e O ffice
ta l

E ls e ­
w h e re

M axim u m
co m p en satio n

S u r g ic a l

H o sp ita liz a tio n
M axi- M a x irrium
m um
O ther
num ber nu m ber p ro v is io n s
days
A c c i- v is its
paid
dent
p aid
fo r
fo r

B e n e fits b egin
S ic k n ess

A ccid e n t
and
s ic k n e s s

R e g u la r
b e n e fits
fo r 6
w e ek s

D aily
benefit D u ra ­
or
tio n
s e r v ic e

M axim um
room and
bo ard
a llo w a n c e

M e d ic a l

S ch ed u le
E x tra
A m ounts
n
a llo w a n c e Lurr.p a llo w a r c e
and
fo
or
sum n o rm al lim ita tio n s
s e r v ic e s
d e liv e r y

E m p lo yee and dependent:
A fte r 9 m onths

E m p lo yee and dependent
—

Up to Up to $50
$ 70

—

B e n e fits a v a ila b le to
n ew ly in s u re d

—

(l )

E m p lo yee and dependent:
If p re g n a n c y co m m en ces w h ile
in s u r e d

E m p lo yee an d dep endent
S e m i- 10
p r iv a te d a y s
toom

1 st d ay,
up to
$ 1 0 ;2 d
through
5th d ay,
up to
$5 per
d ay; 6th
through
2 1 st
d ay, up
to $ 4
p er day;
th e re ­
a fte r,
up to
$2 p e r
day

$ 4 5 4 p e r d is a b ilit y 1 st d a ) 1 st d a y
per
d is a ­
b il it y

One in h o s p ita l
c o n s u lta ­
tio n a llo w ­
ance p er
d is a b ility ,
up to $ 10

R e g u la r
b e n e fits
fo r 6
w e ek s

A llo w a n ce o f $ 70 ( le s s p r io r h o s p ita l b e n e fits) p ro v id e d fo r n o n h o sp ital d e liv e r y fo llo w in g f u ll- t e r m p re g n a n c y .
No a c c id e n t an d s ic k n e s s in s u r a n c e b e n efit p ro v id e d b y p la n ; e m p lo y e e s c o v e re d b y p a id s ic k le a v e p la n .




Up to
$1 2 5

F u ll c o s t
of s e r v ­
ic e s

E m p lo yee an d dep endent
Up to Up to $ 70
$ 80

E m p lo yee an d dependent:
I m m e d ia te ly

14
SELECTED

C O M P A N Y , UNION,
AND
D A T E O F IN F O R M A T IO N
T y p e s and am ou n ts
L ife in s u r a n c e

D is t ille r y W o r k e r s (A F L )
N ational plan

D e p e n d e n ts o f r e t ir e d e m p lo y e e

R e t ir e d e m p lo y e e

A llo w a n c e f o r m is c e lla n e o u s c h a r g e s f o r n o n h o s p it a liz e d s u r g ic a l c a s e s :
E m p lo y e e — up to $ 7 0 p e r d is a b ilit y
E m p l o y e e 's w ife — up to .VoO p e r d is a b ilit y
E m p l o y e e 's ch ild — up to $40 p e r d is a b ilit y

A c c id e n t a l
d eath and
d i s m e m o e r m en t

H o s p ita liz a tio n

S u r g ic a l

R e tir in g at a g e 55
w ith 15 y e a r s ' s e r v i c e o r at age 65:
S am e as f o r a c tiv e
e m p lo y e e e x c e p t a l ­
lo w a n ce f o r e x tra
s e r v ic e s lim ite d to
$50 0

R e tir in g
at a g e 55
w ith 15
years'
s e r v ic e
o r at age
65:
Sam e as
fo r a c ­
tive
e m p lo y e e

M e d ic a l

L ife
in s u r a n c e

H o s p it a li­
z a tio n

S u r g ic a l

M e d ic a l

$ 1, 500

June 1954

G en eral F o o d s
C o r p o r a t io n

R e t ir in g a t a ge
55 o r la t e r w ith
15 y e a r s ' s e r v ice :
A m o u n t o f p a id up in s u r a n c e a c ­
cu m u la te d p r i o r
to r e t ir e m e n t o r
$ 1 , 0 0 0 , w h ic h ­
ever g rea ter 2

V a rio u s unions
O c t o b e r 1954

B rew ers B oa rd o f T rade
(N ew Y o r k , N . Y . )
T e a m s t e r s (A F L )

Sam e as
Sam e as
f o r r e t ir e d f o r r e ­
e m p lo y e e
t ir e d
e m p lo y e e

E m p lo y e e and depen den ts

A n e s th e s ia a llo w a n c e f o r n o n h o s p ita liz e d s u r g ic a l
c a s e s — up to $10

D e c e m b e r 1954

1 S u ch b e n e fits a s X - r a y , a n e s t h e s ia , and e l e c t r o c a r d i o g r a m a llo w a n c e s m a y b e p r o v id e d u n d e r s o m e p la n s , although n o t lis t e d h e re . R e a s o n s f o r n o t lis t in g s u c h b e n e fits a r e s e t f o r t h in
E X PL A N A T O R Y N OTES.
2 P r o v id e d e m p lo y e e p r i o r to r e t ir e m e n t co n tin u o u s ly c o n tr ib u te d f o r p a id -u p in s u r a n c e and d o e s n o t, a t a n y t im e , s u r r e n d e r it f o r c a s h .




AND

E X TE N SIO N O F B E N E F IT S T O —
(m u st b e at le a s t on grou p r a te b a s i s )

O T H E R B E N E F IT S 1

D is t ille r y in d u s tr y ,
v a r io u s e m p lo y e r s

HEALTH

15

INSURANCE

PLANS

- C o n tin u e d

FINANCING
B e n e fit s f o r
e m p lo y e e

B e n e fit s f o r e m p l o y e e 's
d e p e n d e n ts

B e n e fits f o r r e t ir e d
e m p lo y e e

B e n e fit s f o r d e p e n d e n ts
o f r e t ir e d e m p lo y e e

A m ou n t o f co n tr ib u tio n
B e n e fits f o r e m p lo y e e and d ep en d en ts

C om pany
J oin tly
on ly

C om p a n y
J o in tly
o n ly

E m p lo y e e C om pany
J o in tly
o n ly
on ly

E m p lo y e e C om p a n y
E m p lo y e e
J o in tly
on ly
on ly
o n ly

E m p lo y e e

C om p a n y

B e n e fit s l o r r e t ir e d e m p lo y e e
_________ and depen den ts__________
E m p lo y e e

D ep en d en ts1 b e n e fits :
F u ll c o s t

E m p l o y e e 1s b e n e f it s : F u ll c o s t — $ 1 .2 5
F u ll c o s t
m o n th ly p e r $ 1 ,0 0 0
in s u r a n c e

T e r m l if e i n s u r a n c e :
B e f o r e a g e 4 5 1— $ 0 . 30 m o n th ly
p e r $ 1 ,0 0 0 in s u r a n c e

T e r m l if e in s u r a n c e :
B e f o r e a ge 45,
b a la n c e o f c o s t ;
a ft e r a g e 45 , fu ll
cost1

C om p a n y

P a id - u p in s u r a n c e a ft e r a ge 4 5 1 :
F u ll c o s t — '$ 0 . 65 m o n th ly p e r
$ 1 ,0 0 0 in s u r a n c e
H o s p it a liz a t io n and s u r g i c a l :
B e n e fit s f o r e m p lo y e e o n ly , $ 1 .7 0
p e r m onth; f o r e m p lo y e e and one
d e p e n d e n t, $ 3 .8 0 ; f o r e m p lo y e e and
m o r e than on e d e p e n d e n t, $ 5 .5 0

H o s p ita liz a tio n and
s u r g ic a l:
B a la n ce o f c o s t

L if e in s u r a n c e :
E m p lo y e e c o n t r ib u tio n c e a s e s , p a id -u p
in s u r a n c e (fin a n c e d b y e m p lo y e e p r io r
to r e t ir e m e n t ) co n tin u e s in e ffe c t ; c o m ­
p an y p a y s c o s t o f d iff e r e n c e betw een
e m p lo y e e -f in a n c e d p a id -u p in s u r a n c e
(if l e s s than $ 1 ,0 0 0 ) and gu a ra n teed
m in im u m c o v e r a g e o f $ 1 ,0 0 0
H o s p ita liz a tio n and
s u r g ica l:
S am e a s a c t iv e
e m p lo y e e

H o s p ita liz a tio n and
s u r g ica l:
B a la n ce o f c o s t

F u ll c o s t — $ 9 .2 5
p e r m on th

1 U p to a g e 4 5 , l if e in s u r a n c e is t e r m in s u r a n c e ; a ft e r a g e 4 5 ,c o m b in a tio n o f t e r m and p a id -u p i n s u r a n c e . A ft e r a g e 4 5 , e m p l o y e e 's to ta l c o n t r ib u tio n s g o to w a rd p u r c h a s in g p a id -u p in s u r a n c e .
C o m p a n y m a in ta in s t e r m i n s u r a n c e . A m o u n t o f t e r m in s u r a n c e d e c r e a s e s a s am ou n t o f p a id -u p in s u r a n c e i n c r e a s e s .




16
SELECTED

E L IG IB IL IT Y
R E Q U IR E M E N T S
C O M P A N Y , UNION,
AN D
D A T E O F IN F O R M A T IO N

M eat C u tters (A F L );
P a ck in g h ou s e W o r k e r s
(CIO)

C a ses

A m ou n t
B e fo re
age—

In s u ra n ce is —

L ife in s u r a n c e and A g e at tim e o f e m p lo y m e n t
a c c id e n t and s i c k ­
n ess b e n e fits :
U nder a g e 55
A fte r 6 m o n th s '
M e n _______. . . . ___ —___ —___
e m p lo y m e n t
W o m e n _____________________
O v e r age 55 _ ___ —_ _____ ___

In s u r a n c e

60

$ 2 ,2 0 0
$ 1 ,9 0 0
$ 1 ,1 0 0

O th e r b e n e f it s :
1st o f m onth f o l lo w in g 6 m onths*
e m p lo y m e n t

A ft e r 6 m o n t h s '
e m p lo y m e n t

M eat C u tte r s (A F L );
P a ck in g h o u s e W o r k e r s
(C IO );
P a ck in g h o u s e W o r k e r s
( I n d .) .

(l )

A u gu st 1954

L ig g e tt and M y e r s
T o b a c c o C om p a n y

A ft e r 3 m o n t h s '
e m p lo y m e n t

L e s s than
$ 2 ,5 0 0 to
$ 3 ,0 0 0 to
$ 3 ,5 0 0 to
$ 4 ,0 0 0 to
$ 4 ,5 0 0 to
$ 5 ,0 0 0 to
$ 5 , 500 to
$ 6 ,0 0 0 to
and up

T o b a c c o W o r k e r s (A F L )
A u gu st 1954

P h ilip M o r r i s and
C om p a n y
T o b a c c o W o r k e r s (A F L )
S e p te m b e r 1954

B a s ic ann ual p a y

A ft e r 3 m o n t h s '
e m p lo y m e n t

$ 2 ,5 0 0 .
$ 3 ,0 0 0 .
$ 3 ,5 0 0 .
$ 4 ,0 0 0 .
$ 4 ,5 0 0 .
$ 5 ,0 0 0 .
$ 5 ,5 0 0 .
$ 6 ,0 0 0 .
$6, 500.

Y e a r ly b a s e p a y
L e s s than
$ 1 ,5 0 0 to
$ 2 ,0 0 0 to
$ 2 ,5 0 0 to
$ 3 ,0 0 0 to
$ 3 ,5 0 0 to
$ 4 ,0 0 0 to
$ 4 ,5 0 0 to
$ 5 ,0 0 0 to
$ 5 ,5 0 0 to
$ 6 ,0 0 0 to
and up

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

C o m p a n y m a k e s a v a ila b le l i f e in s u r a n c e o n a c o n t r ib u t o r y b a s is




In su ra n ce

60

$ 5 ,0 0 0
6 ,0 0 0
7 .0 0 0
8 .0 0 0
9 ,0 0 0
1 0 ,0 0 0
1 1 ,0 0 0
1 2 ,0 0 0
1 3 ,0 0 0

In s u ra n ce
$ 3 ,0 0 0
4 .0 0 0
5 .0 0 0
6 .0 0 0
7 .0 0 0
8 .0 0 0
9 ,0 0 0
1 0 ,0 0 0
1 1 ,0 0 0
1 2 ,0 0 0
1 3 ,0 0 0

60

P a id in —
In sta llm en ts

A u gust 1954

S w ift and C om p a n y

A m ount

If p e r m a n e n tly and t o ta lly d is a b le d

M aintain ed
A r m o u r and C om pa n y

AND

A C C ID E N T A L D E A T H AN D D IS M E M B E R M E N T

L IF E IN SU R AN CE

N ew e m p lo y e e s
becom e
e lig ib le —

WEALTH

U ntil n o r m a l
r e t ir e m e n t a g e ,
then r e d u c e d 10
p e r c e n t i m m e d i­
a te ly and 10 p e r ­
ce n t a n n u ally
th e r e a fte r
to 50 p e r c e n t o f
am ount in e f fe c t
p r i o r to in itia l
r e d u c tio n

X

c o v e re d

G ra d u a ted
a c c o r d in g t o -

D eath

M ulti S in gle
d is m e m ­ d is m e m ­
berm en t berm ent

17

INSURANCE

PLANS

- C on tin u ed

A C C ID E N T AN D SICKNESS

H O S P IT A L IZ A T IO N

D uratidn o f b e n e fits
C ases
covered

E x ce p t

A m ou n t
P e r io d

N on occu p ation a l

M en— $ 1 2 p e r w e e k
W om en — $ 9 p e r w e e k

(M

B e n e fits lim ite d
to—

13 w eek s
p er d is ­
a b ility

A c c id e n t

S ic k n e s s

1 st day

A fte r
age—

E x ten d ed
coverage

B e n e fits b e g in
D aily
b e n e fit
OI
s e r v ic e

D ays

8th day

(M

(M

(* )
(M

M a x im u m
r o o m and
board
a llo w a n c e

D u ra tio n
D aily
am ount

E x tr a a llo w a n c e
o r s e r v ic e

Per
year

P er
d is a ­
b ilit y

E m ergen cy
o u t-p a tie n t
care

E m p lo y e e and depen den ts

S e m ip r iv a te
room

F u ll c o s t o f
s p e c i fi e d s e r v ­
ice s

70 d a ys

X

R e q u ir e d s e r v ic e s
p r o v id e d

X

R e q u ir e d s e r v ic e s
p r o v id e d

X

R e q u ir e d s e r v i c e s
p r o v id e d

X

R e q u ir e d s e r v ic e s
p r o v id e d

E m p lo y e e and depen den ts
(2 )

(1 )
2

N on occu p ation a l

(2 )

50 p e r c e n t o f w e e k ly r a te o f 13 w ee k s
pay—
p er d is ­
M a x im u m — $4 0 p e r w e e k
a b ility

(2 )

(2)

(2 )

(2 )

S e m ip riv a te
room

50 p e r c e n t o f w e e k ly r a te o f
pay—
M a x im u m — $4 0 p e r w e e k

13 w ee k s
p er d is ­
a b ilit y

E m p lo y e e and dep en d en ts 3

8th day

60 days

50 p e r c e n t
of cost of
s e m ip r iv a t e
room

F u ll c o s t o f
s p e c i fi e d s e r v ­
i c e s f o r 1st 60
d a y s ; 50 p e r c e n t
o f c o s t f o r a d d i­
tio n a l 180 days

E m p lo y e e and dep en d en ts 3

60 days

N ot a v a ila b le to e m p lo y e e s o v e r a g e 55 at tim e o f e m p lo y m e n t .
No a c c id e n t an d s ic k n e s s in s u r a n c e b e n e fit p r o v id e d b y plan; e m p lo y e e s c o v e r e d b y p a id s i c k le a v e p la n .
V ir g in ia H o s p ita l S e r v i c e A s s o c i a t io n (B lu e C r o s s p la n ); e m p lo y e e s in o th e r a r e a s c o v e r e d b y d iffe r e n t p r o g r a m s .
c o s t o f s p e c i fi e d s e r v i c e s .




180

8th d a y

S e m i­
p r iv a te
room

1
2
3
p lu s fu ll

F u ll c o s t o f
s p e c i fi e d s e r v ­
ice s

6th w o r k ­ 6th w o r k ­
day
day
S e m i­
p r iv a te
room

N on occu p atio n a l

70 days

180

50 p e r c e n t
of cost of
s e m ip r iv a t e
room

F u ll c o s t o f
s p e c i fi e d s e r v ­
i c e s f o r 1 st 60
d a y s ; 50 p e r c e n t
o f c o s t f o r a d d i­
tio n a l 180 days

D u rin g 1st y e a r o f pla n m e m b e r s h ip , b e n e fits lim it e d to 30 days p e r y e a r

18
SELECTED

A rm o u r and C om pany

Up to sch ed u le
a llo w a n c e
a c c e p te d a s f u ll
p aym en t if an n u al
in co m e i s u n d er—

E m p lo yee

O p eratio n sch ed u le—
s e le c te d a llo w a n c e s
C o v e rs
cases
E m p lo yee

D ependents

Up to sch ed u le
a llo w a n c e
a c c e p te d a s fu ll
p aym en t if an n u al
in co m e i s u n d er—

O ffice

A ugu st 1954

H o sp i­
ta l

M a x i-" M a x im um
m um
n u m b er n u m b er
days
v is it s
S ic k n e s s A ccid e n t
p a id
p a id
fo r
fo r__
B e n e fits b e g in

A llo w an ce
E ls e ­
w h e re

M a x im u m
co m p en sa tio n

1 per
d a y ; 70
p e r d is ­
a b ilit y

1st
v is it , up
to $10
th e re ­
a fte r,
up to $3
per
v is it

$2 1 7 p e r d is a b il it y

1 st d a y

1 st d a y

1 st d a y ,
up to

M a x im vim sc h e d u le a llo w a n c e H o sp ita l,
$300
o f fic e , hom e
e ls e w h e r e
______ T o n s ille c to m y
Up to $ 6o
U nder a g e 12,
up to $ 3 5 ; o v ei
a g e 12, up to
$60

'p o o

M ea t C u tte rs (A F L );
P a ck in g h o u se W o rk e rs
(CIO)

AND

MEDICAL

SURGICAL
COMPANY, UNION,
AND
DATE OF INFORMATION

HEALTH

$ 2 1 7 p e r d is a b il it y

1 st d a y

1 st d a v

70 p e r
d is a ­
b il it y

$116 p er y e a r

4th d a y
re tro ­
a c tiv e to
1 st

4th d a y
re tro ­
a c tiv e to
1st

35 p e r
year

(l )

(l )

4 th d a y
re tro ­
a c tiv e
to 1 s t

4th d a y
re tro ­
a c tiv e
to 1 st

Appende cto m y
Up to $15 0
Up to $ 150

S w ift and C om pany

M a x im u m sc h e d u le a llo w a n c e H o s p ita l,
o f fic e , hom e,
e ls e w h e r e
T o n s ille c to m y _____
IUnde r a g e 12,
tip to $ 6 0
up to $ 35 ;
o v e r a g e 12,
up to $60

$300
- j m -------------------------------------------M eat C u tte rs (A F L );
P ack in g h o u se W o rk ers
(CIO);
P ack in g h o u se W o rk ers
(In d .)

$10;

th e re ­
a fte r,
up to $3
per
day

A ugust 1954
A pp end ectom y
Up to $ 150
|Up to $150

L ig g e tt and M y e r s
Tobacco C om pany
Tobacco W o rk e rs (A FL )
A ugust 1954

In d iv id u al c o v e r ­ M a x im u m sc h e d u le a llo w a n c e
a g e , $ 2 ,4 0 0 ;
$150
hu sb an d and w if e ,
$ 3 ,2 0 0 ; f a m ily , , _____ T o n s ille c to m y
$ 4 ,0 0 0
U nder a g e 19, U nder a g e i 9 ,
up to $ 3 5 ;
up to $ 3 5 ;
o v e r a g e 19,
o v er a g e 19,
(l )
up to $40
up to $40

$BS

H o sp ita l,
o ffice
i1)

In d iv id u a l c o v e r ­
a g e , $ 2 ,4 0 0 ;
hu sb an d and w ife ,
$ 3 ,2 0 0 ; f a m ily ,
$ 4 ,0 0 0
(l )

A pp end ectom y
Up to $ 7 5
Up to $75

1 st d a y ,
up to
$ 1 0 ; 2d
and 3d
d a y , up
to $ 5 ;
th e re ­
a fte r,
up to $ 3
p er day

C)

(l )

(l >
(l )

tl )

P h ilip M o r r is and C om pany In d iv id u a l c o v e r ­ M ax im u m sc h e d u le a llo w a n c e H o sp ita l,
a g e , $ 2 ,4 0 0 ;
t b s --------------- n h s s ----------------- o ffice
Tobacco W o rk e rs (A FL )
h u sb an d an d w if e ,
$ 3 ,2 0 0 ; fa m ily ,
T o n s illegv-ww y
c to m
(l )
S e p tem b e r 1954
$ 4 ,0 0 0
U nder a g e 19, Under a g e l9 ,
up to $ 3 5 ;
' up to $ 3 5 ;
o v e r a g e 19,
>ver a g e 19,
(l )
up to $40
up to $40

Individual c o v e r ­
g e , $ 2 ,4 0 0 ;
husband an d w ife ,
$ 3 ,2 0 0 ; f a m ily ,
$ 4 ,0 0 0

O

A pp end ectom y
U p t o T B -------P p to $ 75 ■
(l )

(l )

V ir g in ia M e d ic a l S e r v ic e A s s o c ia tio n (B lu e S h ie ld p la n ); e m p lo y e e s in o th er a r e a s c o v e re d b y d iffe re n t p r o g r a m s .




1 st 3
d a y s , up
to $ 5
p e r day;
th e r e ­
a fte r,
up to $3
p e r day
(l )

$ 111 p e r y e a r

<
*>

(l )

(l )

35 p e r
year
(l )

19
INSURANCE

PLANS

- C on tin u ed

M EDICAL - C ontinued

MATERNITY PROVISIONS

D ependents
A llo w an ce
H o sp i­ E ls e ­
Home O ffice
ta l
w h e re

M ax im u m
co m p en satio n

1 st
v is it,
up to
$10;
th e re ­
a fte r,
up to
$3 p e r
v is it

$ 2 1 7 p e r d is a b ilit y

1 st
day,
up to
$10;
th e re ­
a fte r,
up to
$3 p er
day

$ 2 1 7 p e r d is a b ilit y

1 st
day,
up to
$10;
2d and
3d d a y ,
up to
$5;
th e re ­
afte r,
up to
$3 per
day
<
*>

$ 116 p e r y e a r

1 st 3
d ays,
up to
$ 5 per
d a y;
th e re ­
a fte r,
up to
$3 p e r
day

$ 111 p e r y e a r

(D

1st day 1 st d a y 1 p e r
d ay; 70
p e r dis­
a b ility

1s t d a y 1 s t d a y

A ccid e n t
and
s ic k n e s s

D aily
benefit D u ra ­
or
tion
s e r v ic e

S e m i- 70 day*
p riv a te
room

70 p e r
d is a ­
b ility

4th
day
re tro ­
a c tiv e
to 1st

4th
day
re tro ­
a c tiv e
to 1st

(2 )

(2 )

4th
day
re tro ­
a c tiv e
to 1st

4th
day
re tro ­
a c tiv e
to 1st

(2 )

(2 )

F u ll c o s t
of s p e c i­
fie d s e r v ­
ic e s

F u ll c o s t
of s p e c i­
fie d s e r v ­
ic e s

(2 )

E m p lo yee and dependent:
A fter 9 m onths
Up to $90 1 st v is it ,
up to $ 1 0 ;
th e re a fte r,
up to $3
p e r v is it ;
m a x im u m ,
$ 2 1 7 ; l im ­
ite d to 1
in -h o s p i­
ta l v is it
p e r d a y up
to d ay of
d e liv e r y

E m p lo yee and dependent:
A fte r 270 d a ys
Up to $90

E m p lo yee and dep endent 2
S e m i­ 10 day*
p r iv a te
roo m

F u ll c o s t
of s p e c i­
fie d s e r v ­
ic e s

(2 )
35 p e r In -h o sp ita l
year
c o n s u lta ­
tion (1 o n ly
(2 ) d u rin g a n y
one d i s a ­
b ility ) , up
to $ 1 0 ; 2d
and 3d
( lim it 3 in
a n y co n ­
t r a c t ye ar),
up to $ 5
each

B e n e fits a v a ila b le to
n ew ly in s u re d

E m p lo yee and dependent

(M

35 p e r 2 in year
h o s p ita l
c o n s u lta ­
(2 ) tion a llo w ­
ances p er
d is a b ility :
1 st c o n su l­
ta tio n , up
to $ 1 0 ; 2d
c o n s u lta ­
tio n , up to
$5

M axim um
room and
bo ard
a llo w a n c e

M e d ic a l

S ch ed u le
E x tra
A m ounts
n
a llo w a n c e Lurr.p a llo w a r c e
and
fo
or
sum n o rm a l lim ita tio n s
s e r v ic e s
d e liv e r y

E m p lo yee an d dependent

R e g u la r
b e n efits
fo r 6 w e ek s

S e m i­ 70 days
p r iv a te
room

(1 )
2

S u r g ic a l

Ho s p ita li za tio n
B e n e fits b egin M ax i­ M a x i­
m um
mum
O ther
num ber nu m ber p ro v is io n s
days
S ic k ­ A c c i­ v is its
p aid
n ess
paid
dent
for
fo r

E m p lo yee an d d ep en d e n t2
S e m i­ 10 days
p r iv a te
room

F u ll c o s t
of s p e c i­
fie d s e r v ­
ic e s

E m p lo yee and dependent:
A fte r 10 m onths

Up to $75 R e g u la r
b e n efits
if s p e c ­
ia lis t
s e r v ic e s
are re ­
q u ire d
due to
g ra v e
c o m p li­
ca tio n s
E m p lo yee an d dependent:
A fte r 10 m onths
Up to $ 75 R e g u la r
b e n e fits if
s p e c ia lis t
s e r v ic e s
are re - /
q u ire d due
to g ra v e j
c o m p lic a ­
tio n s .

____CD____
1 No a c c id e n t an d s ic k n e s s in s u r a n c e b e n e fit p ro v id ed b y p la n ; e m p lo y e e s co v e re d b y p a id s ic k le a v e p la n .
2 V ir g in ia H o sp ita l S e r v ic e an d V ir g in ia M e d ic a l S e r v ic e A sso c ia tio n s (B lu e C r o s s and B lu e S h ie ld p la n s ); e m p lo y e e s in o th er a r e a s c o v e re d b y d iffe re n t p r o g r a m s .




20
S E L E C T E D

COMPANY, UNION,
AND
DATE OF INFORMATION

Dependents o f re tire d em ployee

R etired em ployee
Types and amounts
L ife insurance

Meat Cutters (A F L );
Packinghouse W orkers
(CIO)

E m ployee and dependents

A N D

EXTENSION OF BENEFITS TO—
(must be at lea st on group rate b a s is)

OTHER BENEFITS 1

A rm our and Company

H E A L T H

A ccidental
death and
dism em berm ent

H ospitalization

Surgical

M edical

L ife
insurance

H ospitali­
zation

S urgical

M ed ica l

J

With 20 year
s e rv ice ;
500

P o lio a llow a n ce.— (in addition to other plan benefits
fo r expenses in cu rred within 3 yea rs o f contraction)
■
—up to $ 5,0 00

August 1954

Swift and Company
Meat Cutters (A F L );
Packinghouse W orkers
(CIO);
Packinghouse W orkers
(Ind.)

E m ployee and dependents2

Same as fo r active
em ployee

Same as Sam e as
fo r active fo r a ctive
em ployee em ployee

P olio a llow a n ce.— (in addition to other plan benefits
fo r expenses in cu rred within 3 years o f 1st tre a t­
ment)—-up to $ 5,000

Sam e as
Sam e as
Same as
fo r re tire d
fo r re tire d fo r r e ­
em ployee
tired
em p loyee
em ployee

August 1954

Liggett and M yers
T ob a cco Company
T ob a cco W orkers (A FL)
August 1954

Philip M o rris and
Company
T ob a cco W orkers (AFL)
Septem ber 1954

E m ployee and dependents

Amount in e ffe ct
im m ed iately p r io r
to retirem en t
X - r a y s .— (incident to diagnosis and made during
red uced 10 p e r ­
hospital stay o r within 30 days b e fo re a d m ission ,
cent on date o f
the initial one fo r a ccid en t ca ses not needing h o s ­
retirem en t and 10
p italization, and deep therapy treatm ents if m ed ical p ercen t annually
s e rv ice s provided)— up to $50 p er year but not m o re thereafter to 50
than 50 p ercen t of the schedule fee fo r each included p ercen t o f amount
X -r a y s e rv ice re n d e re d 3
in e ffe ct b e fo re
initial reduction

E m ployee and dependents

R etirin g at age
55 to 65:------Amount in e ffe ct
im m ed iately p rio r
X - r a y s .— (incident to diagnosis and made during
hospital stay o r within 30 days b e fo re a d m ission ,
to retirem en t
m aintained until
the initial one fo r a ccid en t ca s e s not needing h o s ­
p italization, and deep therapy treatm ents i f m ed ical age 65, then r e ­
s e r v ic e s provided)— up to $50 p er year but not m o re duced to $ 2 ,0 00
than 50 p ercen t o f the schedule fee fo r each included
X -r a y s e rv ice re n d e r e d 3
R etirin g at age
65 o r la ter:
$ 2 ,0 0 0

1 Such benefits as X -r a y , anesthesia and ele ctro ca rd io g r a m allow ances m ay be p rovid ed under som e p lan s, although not listed h e re .
EXPLAN ATORY NOTES.
2 P o lio insurance a lso extended to re tire d em ployee and his dependents.
FRASER V irginia M edical S erv ice A ssocia tion (Blue Shield plan); em ployees in other a rea s co v e re d by d ifferent p rog ra m s.
3

Digitized for


R eason s fo r not listin g such b enefits a re se t forth in

21
I N S U R A N C E

P L A N S

-

C o n tin u e d

FINANCING
B enefits fo r
em ployee

B enefits fo r e m p lo y e e 's
dependents

B enefits fo r retired
em ployee

B enefits fo r dependents
o f retired em ployee

Amount o f contribution fo r—
B enefits fo r em ployee and dependents

Company
Jointly
only

X

Company
E m ployee Company
Employee Company
Jointly
Jointly
Jointly E m ployee
only
only
only
only
only
only

X

E m ployee

X

Company

B enefits fo r retired em ployee
and dependents
E m ployee

F ull co s t

Company
Full co st

-

X

X

X

X

X

X

X

F u ll c o s t

X

X

D ependents' benefits:
F u ll co s t

E m p lo y e e 1s benefits:
F u ll c o s t

F ull c o s t

X

Dependents' benefits:
E m p lo y e e 's benefits:
F u ll c o s t
F u ll c o s t — benefits fo r w ife (with
m aternity) o r husband o r ch ild,
$ 2 .8 5 p e r month; fo r wife (with
m aternity) o r husband and ch ild ren ,
$ 4 .0 5 ; fo r other m em b ers o f fa m ily
o v e r a g e 19, $ 2 .8 5 e a ch 1

F ull c o s t

If husband and w ife a re em p loy ees o f com pany, each pays $ 1.20 p er month fo r children* s coverage*




F u ll c o s t

22
S E L E C T E D

ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

Amount
B e fo re
age—

Insurance is—

A fter 30 d a ys'
em ploym ent

$500

Im m ediately o r
1st o f follow ing
month

Annual rate o f earnings

65

T extile W orkers (CIO)

Rubber W orkers (CIO)
July 1954

B igelow -S an ford Carpet
Company

A fter 3 m onths'
em ploym ent

Textile W orkers (CIO)

____
L e s s than $ 6 0 1 - __
_ _
$601 to $901 __
___ _______________ ___
$901 to $ 1 ,5 0 1 _________________________________
$1,5 01 to $ 2 , 1 0 1 ...................................................
$ 2 ,1 01 to $ 2 , 7 0 1 ______________________________
$2,7 01 to $3,3 01 ................. ..............................
$ 3 ,3 01 to $ 3,9 01 ....................................................
$3,9 01 to $ 4 , 5 0 1 ______________________________
$4,5 01 to $ 5 , 1 0 1 ....................................................
$ 5 ,1 01 to $ 5 , 7 0 1 ______________________________
$ 5,7 01 to $ 6 , 3 0 1 ______________________________
and up

Men:
B a sic w eekly earnings

Insurance
$

F o r 1 year (or
fo r period in ­
sured, if le ss
than 1 year)

60

N on occu pational;
o cc u p a ­
tional

Installments

600
1,000
1,200
1,800
2 ,4 0 0
3,000
3 , 600
4,200
4,800
5,400
6,000

60

X

60

X

Insurance

L ess than $36 — ___
____$ 1 ,2 5 0
$36 to $ 4 8 . .
____
„
1,500
$48 to $ 6 0 ____________________________________
2 ,0 0 0
$60 and o v e r _________________________________
2,5 0 0

F ebruary 1955

Women:
$625
Cone M ills C orporation
Textile W orkers (CIO)
August 1954




A fter 3 m onths'
em ploym ent

$ 1 ,0 00

C a se s
co v e re d

Paid in—

August 1954

A rm strong C ork Company

Amount

If perm anently and totally disabled

Maintained
A m erican Woolen
Company

A N D

ACCIDEN TAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

New em p loyees
b ecom e
eligible- —

H E A L T H

Graduated
a cco rd in g to—

M ultiSingle
Death d ism e m ­ d ism e m berm ent berm ent
$1, 500 $ 750

$ 1, 500

23

INSU RAN CE

P L A N S

-

C o n t in u e d

H O S P IT A L IZ A T IO N

A C C ID E N T AND SICKNESS

Duratidn of benefits
C a ses
co v e re d

Except

Amount
P eriod

Nono.ccupational

$25 p er week

13 weeks
p er d isability

A fter
age—
60

Benefits limited
to—
13 weeks during
any 12 con secu tive months

Extended
coverage

B enefits begin

A ccident

1st day

Sickne s s

Daily
benefit
or
se rv ice

Duration
Days

Daily
amount

Maximum
room and
board
allow ance

Extra allow ance P er
o r se rvice
year

Per
d isa ­
bility

Em ergency
out-patient

E m ployee

8th day
Up to $9

31 days

X

Up to $300 fo r
s e ra , oxygen,
oxygen tent, fa ce
m ask and helium ,
plus up to $ 135
fo r additional
s e rv ice s

$279

Dependents
Up to $ 8

N onoccupational

W eekly 26 weeks
benefit p er d is ­
ability
L ess than $ 1 ,5 0 1 __ $20
$ 1,5 01 to $ 2 ,1 0 1 —
25
$ 2,1 01 to $ 2 , 7 0 1 - .
30
$ 2 ,7 0 1 to $ 3 , 3 0 1 - .
35
$3,3 01 to $ 3 ,9 0 1 —
40
$ 3 ,9 0 1 and o v e r ____45

Annual rate o f
earnings

60

26 weeks during
any 12 con secu ­
tive months

8th day

$ 7 .5 0

U
p

N onoccupational

B asic w eekly W eekly benefit 13 weeks
earnings
Men W om en p er d is ability
L ess than $28 $ 1 4 .0 0 $ 1 0 .5 0
$28 to $ 3 6 __ 17.50
13.00
(*)
$36 to $ 4 8 — 2 1 .0 0
16.00
$48 to $ 6 0 — 2 8 .0 0 2 1 .0 0
$60 and o v e r
3 5.0 0 2 6 .0 0

60

$ 1 2 .50 p e r week

60

13 weeks
per d is ­
ability

13 weeks during 1st day
any 12 con secu ­
tive months

8th day

31 days

120

$ 3 .7 5

31 days

120

Up to $ 3 . 7E $682.50

Up to $75

—

X

Required se rv ice s
provided

Up to $75

X

Required se rv ice s
provided

X

Up to $40

X

Up to $25

E m ployee and dependents
$248

31 days

8th day

Up to $30

E m ployee and dependents
Up to $6

$186

31 days

'

1 M ore lib e r a l b enefits available to em p loyees paying the additional co s t .
2 An additional 13 weeks is p rov id ed em p loyees (with at least one y e a r 's s e rv ice ) suffering fro m a ctive ca s e s o f tu b ercu losis.




$682.50

Dependents 1

8th day
Up to $8

13 weeks during
any 12 con secu­
tive m onths, if
due to sickness

X

Up to $300 fo r
s e ra , oxygen,
oxygen tent, fa ce
m ask and h eliun,
plus up to $ 135
fo r additional
s e rv ice s

E m ployee 1
2

8th day

to
$ 7 .5 0

N onoccup ational

$248

31 days

Up to $60

24

S E L E C T E D

A m erican W oolen
Company
T extile W orkers (CIO)
August 1954

Up to schedule
allow ance
a ccep ted as full
payment i f annual
incom e is tinder—

E m ployee

Operation schedule—
selected allow ances
C o ve rs
ca s e s
E m ployee

Dependents

Maximum
schedule
allow ance
$225

H ospital,
o ffic e , hom e,
elsew here

T on sillectom y
Up to $ 3 7 .50
Appendectom y
Up to $150

A rm strong Cork Company
Rubber W orkers (CIO)
July 1954

Maximum schedule allow ance H ospital,
---------------------------------- o ffic e , hom e,
TXF5~
elsew h ere
T on sillecto m y
Up to $40
(Up to $40
_______ A ppendectom y
Up to $125
IUp to $125

B igelow -S an ford C arpet
Company
T extile W orkers (CIO)

M axim um schedule allow ance H ospital,
$150
o ffic e , hom e
$150
elsew here
T on sillecto m y
Up to $25
Up to $25

F ebruary 1955
Appende c to m y
Up to $ 100
Up to $100

Cone M ills C orporation
T extile W orkers (CIO)
August 1954




M axim um schedule allow ance H ospital,
$150
$150
o ffic e , hom e,
elsew here
T on sillecto m y
Up to $25
Up to $25
Appende c tom y
Up to $100
p p to $100

A N D

MEDICAL

SURGICAL

COMPANY, UNION,
AND
DATE OF INFORMATION

H E A L T H

Up to schedule
allow ance
accep ted as full
payment if annual
incom e is under—

Hom e

O ffice

H ospi­
tal

M axiM aximum
m um
number number
days
v isits
S ickness A ccident
paid
paid
fo r
fo r
B enefits begin

Allow ance
E ls e ­
where

Maxim um
com pensation

25

I N S U R A N C E

P L A N S

-

C o n tin u e d

MEDICAL - Continued

MATERNITY PROVISIONS

Dependents

Hospi
Home O ffice
tal

E ls e ­
where

M axim um
com pensation

S urgical

H ospitalization
Maxi- M aximum
mum
Other
number number p rov ision s
A c c i ­ visits
days
paid
dent
paid
for
fo r

B enefits begin

A llow ance

Sick­
ness

A ccident
and
sickness

R egular
benefits
fo r 6
weeks

Daily
benefit D ura­
or
tion
se rv ice

Maximum
room and
board
allow ance

M edical

Schedule
Extra
allow ance Amounts
allow ance Lump
and
fo r
or
sum
norm al lim itations
s e rv ice s
deliv ery

E m ployee 1
$ 7 .5 0

10
days

$75

Up to
$ 5 2 .50

__

Up to $ 60

__

B enefits available to
newly insured

E m ployee and dependent:
H ospitalization and surgical—
a fter 9 months
E m ployee:
A ccid en t and sickness—
im m ediately

D ependent1
Up to
$ 7 .5 0

10
days

$75

Up to
$ 5 2 .5 0

Up to $ 60

E m ployee and dependent

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

$150 m aternity allow ance

R egular
benefits
fo r 6
weeks

M ore lib e r a l h osp italization ben efits available to em ployees paying the additional cost.




E m ployee and dependent
Up to
$6

14
days

$84

Up to $60

E m ployee and dependent:
A fte r 6 months
Up to $50

26

S E L E C T E D

H E A L T H

EXTENSION OF BENEFITS TO—
(must be at lea st on group rate b a s is)

OTHER BEN E FITS1
COMPANY, UNION,
AND
DATE OF INFORMATION

Dependents o f retired em ployee

R etired em ployee
Types and amounts
L ife insurance

A ccidental
death and
dism em oerm ent

H ospitalization

Surgical

M ed ica l

L ife
insurance

H ospitali­
zation

S u rg ical

A m erican W oolen
Company
T extile W orkers (CIO)
August 1954

A rm strong C ork
Company
Rubber W orkers (CIO)
July 1954

B igelow -S an ford Carpet
Company
T extile W orkers (CIO)

Same life insurance
sca le as fo r active
em ployee but
amount based on
annual retirem ent
Income with fo llo w .
Lng m inim um s:
Age 55 to 65 with
15 y e a r s ' s e r v ic e ,
$ 1,000; age 65 o r
over with 15 to 25
y e a rs ' s e r v ic e ,
$ 1,000; a ge 65 o r
over with 25 o r
m ore y e a r s ' s e r v ­
ice , $ 1 ,2 5 0

If continuously in­
sured fo r 5 years
im m ediately p r e ­
ceding retirem ent,
$ 7 . 50 p e r day fo r
maximum o f 62 days
during retirem ent
plus $150 fo r extra
s e rv ice s 2

50 p ercen t o f
amount in e ffe ct
im m ediately p r io r
to retirem en t;
m inim um — $ 500

F ebruary 1955

Cone M ills C orporation
T extile W orkers (CIO)
August 1954

1 Such benefits as X -r a y , anesthesia and e le ctro ca rd io g ra m allow ances m ay be p rov id ed under som e plan s, although not liste d h e re .
EXPLAN ATO RY NOTES.
2 M ore lib e r a l benefits available to em ployees paying the additional c o s t.




A N D

R easons f o r not listin g such benefits a re set forth in

M edical

27

INSURANCE

PLANS

- Continued

FINANCING
B enefits fo r
em ployee

B enefits fo r e m p lo y e e 's
dependents

B enefits fo r retired
em ployee

B enefits fo r dependents
o f retired em ployee

Amount o f contribution fo r—
B enefits fo r em ployee and dependents

Company
Jointly
only

only

Jointly

E m ployee
E m ployee Company
Jointly
only
only
only

only

Jointly

Em ployee
only

E m ployee

X

X

Company

B enefits fo r retired em ployee
and dependents
E m ployee

Company

F ull c o s t

X

X

X

F ull c o s t

F ull cost

X

X

X

F u ll co s t

F ull co st

X

__

____




___

X

_

_

—

___

__

D ependents' benefits:
F ull c o s t

E m p loy ee' s benefits:
F ull c o s t

__

___

28
SELECTED

ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

Amount

If perm anently and totally disabled
Amount
B efore
age—

A fter 30 d a ys'
em ploym ent

Paid in
Installments

60

$500

C a ses
c o v e re d

Insurance i s
Maintained

Botany M ills

AND

ACC ID E N TAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

New em p loyees
b ecom e
eligib le- -

HEALTH

Textile W orkers (CIO)

Graduated
a cco rd in g to—

M ulti­
Single
Death d ism e m ­ d ism e m ­
berm ent berm ent

N on occu pational;
o cc u p a ­
tional

$ 1 ,0 0 0 $500

N onoccupational;
o ccu p a ­
tional

C ra ftw ork ers - D esign ers
$400
$400
$200

(l)

$ 1 ,0 0 0

(M

(l)

O ctober 1954

F ur m anufacturing and
retailing industry,
A ssocia ted F ur Manu­
fa ctu rers, and other
e m p loyers (New Y ork,
N. Y .)

1st o f month f o l ­ C raftw orkers and designer!
lowing month in
F lo o rw o r k e rs — $200
which 13 w eek s'
co v e re d em p loy­
m ent is com pleted

F ur and Leather W orkers
(Ind.)
Septem ber 1954

$400
L ife insurance:
Union m em bership
and either cum u­
lative m em bership
o f not le s s than 15
yea rs with la st 2
yea rs consecutiv<
H atters, Cap and
M illin ery W orkers (A FL) and im m ediately
p reced in g death o r
5 y e a r s ' union
August 1954
m em bersh ip im ­
m ediately p r e c e d ­
ing death

M illin ery industry,
E astern W om en 's H eadwear A ss ocia tion , and
other em p loy ers (New
York, N. Y .)

M aternity benefits
Union m em bership
and 3 y e a r s ' c o v ­
ered em ploym ent
Other b en efits:
6 m onths' union
m em bership and
co v e re d em p loy­
ment
Company m akes available additional insurance on con trib u tory b a sis




$400

65

F o r 1 year

F lo o rw o r k e rs
■$2tfo- " i f l i b —

[$ W

29

INSURANCE

PLANS

- Continued

ACCIDENT AND SICKNESS

HOSPIT A L IZ AT ION

Duratidn of benefits
C ases
co v e re d

Amount

Except
P eriod

A fter
age—

Benefits lim ited
to—

—

—

—

—

(l >

(M

(M

(l )

A ccident

Sickness

Daily
benefit
or
se rv ice

Maximum
room and
board
allow ance

Duration
Days

Daily
amount

—

(M

Extended
cov era ge

B enefits begin

Extra allow ance P e r
o r se rv ice
year

Per
d isa ­
bility

E m ergency
out-patient
ca re

E m ployee

<
M

0)

Up to $ 12

120 days

—

$ 1 ,4 40

—

Up to $ 100

X

Up to $100

X

Up to $ 100

X

—

Up to $ 7 .2 5

Dependents
Up to $ 10

N onoccupational

C ra ftw ork ers and flo o r 13 weeks
w ork ers only—-$20 p er week p er d is ­
ability

—

—

8th day ‘

O p era tors, cu tters and
26 weeks
b lo ck e rs — 1st 15 w eek s,
p e r year
$30 p er week; th erea fter,
$22 p er week
Other cr a fts — $22 p er week

—

1st day

Up to $100

Einployee and dependents

8th day
S e m iprivate
room

N onoccupational

$ 1 ,2 0 0

120 days

21 days

180

50 p ercen t
o f co s t o f
s e m i­
private
ro o m

F ull c o s t o f
sp e cifie d s e r v ­
ic e s fo r 1st 21
days; 50 p ercen t
o f c o s t fo r addi­
tional 180 days

E m ployee only

8th day
$5

31 days

$155

Up to $25

j
No a ccid en t and sick n ess insu ra n ce benefits provided b y plan; em ployees co v e re d ’ b y New J e rs e y State tem p orary disa b ility law. See Appendix A .




X

30

SELECTED

Botany M ills
T extile W orkers (CIO)

Up to schedule
allow ance
accep ted as full
payment if annual
incom e is under

E m ployee

Operation schedule—
selected allow ances

E m ployee

M axim um
schedule
allow ance
$225

Dependents

C o v e rs
ca s e s
in—

H ospital,
o ffic e , hom e,
elsew here

O ctober 1954
T on sillectom y
Up to $ 3 7 .5 0
Appendectom y’
Up to $150

F ur manufacturing and
retailing industry,
A ssocia ted Fur Manu­
fa ctu re rs , and other
em p loyers (New Y ork ,
N. Y .)
F ur and Leather W orkers
(Ind.)

M axim um
schedule
allow ance

H ospital,
o ffic e , hom e,
elsew here

J T s o --------------

Tons illectom y
Up to $2 5
Appendectom y
Up to $100

* Septem ber 1954

M illin ery industry, E ast­
ern W om en1s Headwear
A ssocia tion , and other
em p loyers (New Y ork,
N. Y .)
H atters, Cap and
M illin ery W orkers (AFL)
August 1954




Maxim um
schedule
allow ance

n r

T on sillectom y
Up to $35
A ppendectom y
Up to $75

AND

MEDICAL

SURGICAL

COMPANY. UNION,
AND
DATE OF INFORMATION

HEALTH

H ospital,
o ffic e , hom e,
elsew here

Up to schedule
allow ance
accepted as full
payment if annual
incom e is under—

Hom e

O ffice

H ospi­
tal

M a x i-” T d a ximum
mum
number number
days
visits
S ickness Accident
paid
paid
fo r
fo r

B enefits begin

Allow ance
E ls e ­
where

Maxim um
com pensation

31

I N S U R A N C E

P L A N S

-

C o n tin u e d

MEDICAL - Continued

MATERNITY PROVISIONS

Dependents

Home O ffice H ospi­ E ls e ­
tal
w here

Maxim um
com pensation

S urgical

Ho sp itali zation
Maxi­ M axi­
mum
mum
Other
number number p rov ision s
A c c i­ visits
days
paid
paid
dent
for
fo r

B enefits begin
S ick­
ness

A ccident
and
sickness

Daily
benefit D ura­
or
tion
s e rv ice

Maximum
room and
board
allow ance

E m ployee

$90
Up to
$12

(l )

M edical

Schedule
E xtra
allow ance Amounts
allow ance Lump
fo r
and
or
sum
norm al lim itations
s e rv ice s
d eliv ery

B enefits available to
newly insured

E m ployee and dependent:
If pregnancy com m ences while
insured
Up to $75

Up to d if­
feren ce
between
total room
and board
ch arges
and $140
Dependent

Up to
$10

0)

Up to d if­
fe re n ce
between
total ro o m
and b oard
charges
and $140

E m ployee and dependent
__

__

__

Up to
$80

E m ployee only

$75 m aternity allow ance

Total room and b oard ch arges and ch arges fo r extra se rv ice s lim ited to $140.




E m ployee and dependent:
A fter 10 months
__

E m p loyee:
Im m ediately

32

S E L E C T E D

COMPANY, UNION,
AND
DATE OF INFORMATION

Dependents o f re tire d em ployee

R etired em ployee
Types and amounts
L ife insurance

E m ployee only

A ccidental
death and
dism em oerm ent

H ospitalization

S urgical

M ed ical

L ife
insurance

H ospitali­
zation

S urgical

$500

T extile W orkers (CIO)
O ctober 1954

A nesth esia allow ance fo r nonhospitalized ca se s—
up to $ 10

F ur m anufacturing and
retailing industry,
A ssocia ted Fur Manu­
fa ctu re rs , and other
em p loyers (New Y ork ,
N. Y .)

$400

Sam e as fo r active
em ployee

Sam e as
fo r re tire d
e m p loyee

F ur and Leather W orkers
(Ind.)
Septem ber 1954

M illin ery industry,
E m p loyee only
E astern W om en’ s Headwear A ss ocia tion , and
X -r a y s , e le ctro ca rd io g r a m s , and eye exam inations
other em p loyers
fo r nonhospitalized ca s es — without ch arge
(New Y ork , N . Y .)
D eep X -r a y therapy allow ance if in lie u o f su rgery
--- Up to |7a
H atters, Cap and
Shock treatm ent allow ance fo r fu ll co u rse o f tre a tM illin ery W orkers
m ent— up to $75
(AFL)
August 1954

1 Such b enefits as X -r a y , anesth esia and ele ctro ca rd io g ra m allow an ces m ay be p rov id ed under so m e p la n s, although not listed h e r e .
EXPLAN ATO RY NOTES.




A N D

EXTENSION OF BENEFITS TO—
(must be at lea st on group rate b a s is)

OTHER BENEFITS1

Botany M ills

H E A L T H

R eason s fo r not listin g such benefits a re s e t fo rth in

M ed ical

33

INSURANCE

P L A N S - Continued

FINANCING
B enefits fo r
em ployee

B enefits fo r e m p lo y e e 's
dependents

B enefits fo r retired
em ployee

B enefits fo r dependents
o f retired em ployee

Amount o f contribution fo r —
B enefits fo r em ployee and dependents

Company
Jointly
only

X

Company
E m ployee Company
Jointly
Jointly
only
only
only

X

X

only

only

Jointly

only

E m ployee

X
<*>

_

_ _

X

D ependents' benefits:
F ull c o s t

E m p lo y e e 's benefits: D ependents' benefits:
F u ll co s t— 1 p ercen t F u ll c o s t
o f straigh t-tim e
p a yroll

E m p loyee' s
benefits:
F ull c o s t 1

1 F inanced out o f com pany contributions fo r benefits fo r active em ployee; see com pany contribution colum n fo r b enefits fo r em ployee and dependents.




Company
F ull co s t

F u ll c o s t —2 p ercen t
o f w eekly p a yroll

X

E m ployee

F ull c o s t

X

X

Company

B enefits f o r retired em ployee
and dependents

34
S E L E C T E D

ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

Clothing W orkers (CIO)
National plan
D ecem ber 1954

Amount
B efore
age—

$500
A ccid ent and
sickness benefits:
A fter 4 su ccessiv e
w eek s' cov ered
em ploym ent

At any
age

C ases
co v e re d

Insurance is—
Paid in—

Graduated
a cco rd in g to—

M ultiSingle
Death d ism em ­ d ism e m ­
berm ent berm ent

F o r 1 year

Other benefits:
A fter 6 s u cces siv e
m onths' cov ered
em ploym ent,
m inimum — 500
h ou rs' em p loy­
ment in p reced ing
12 months

Union m em bership
D ress industry, A ffiliated L ife insurance:
1 year* s union
D ress M anufacturers,
1 year to 2 years .
— __
_
and other em p loyers
m em bership
___
2 yea rs and o v e r .. _
(New Y ork , N. Y .)
Maternity benefits:
L a d ies' Garm ent W orkers 15 m onths' union
( >)
m em bership
(AFL)
January 1955

Amount

If perm anently and totally disabled

Maintained
Clothing industry, m e n 's
and b o y s ' , various
em ployers

AND

ACCIDEN TAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

New em p loyees
b ecom e
eligib le—

H E A L T H

Insurance
$

500
1,000

Surgical and eve
gla sses benefits:
o m onths' union
m em bership
Other benefits:
E ligibility r e ­
quirem ents o f the
New Y ork State
tem porary d isa ­
bility law

Lum ber industry,
various em p loyers
(Southern C alifornia)

1st o f month fo l ­
lowing 80 h o u rs'
em ploym ent

$ 1,000

C arpenters (A FL)

60
A fter
age 60

X
F o r 1 year

—

N on occu pational;
o cc u p a pational

$ 1,000 $500

July 1954

A vailable only to those becom in g union m em b ers p r io r to age 55.




Individuals joining union a fter age 55 a re entitled to benefit o f $100 f o r each year o f m e m b e rsh ip , m axim um — $ 1 ,0 0 0 .

$ 1,000

35

INSU RAN CE

P L A N S

-

C o n tin u e d

A C C I D E N T A N D S IC K N E S S

H O S P IT A L 1 Z A T ION

Duratidn of benefits
C ases
co v e re d

N onoccupational

Daily
benefit

Except
A fter
age—

Extended
coverage

B enefits begin

Days

Benefits lim ited

$20 p er week

7th day
retro­
active
to 1st

14th day
retro­
active
to 8th

P r e s s e r s , cu tters, sam ple
m ak ers and o p e ra to rs , $26
p e r w eek; fin ish e rs ,
d ra p e rs , sp ecia l m achine
o p era tors and ex a m in ers,
$20 p e r week; clea n ers and
p in k ers, $18 p er week

13 weeks
p er yeax

8th day

Extra allow ance P e r
year
o r se rv ice

P er
disa~
bility

E m ergency
out-patient
care

E m ployee and dependents
Up to $ 9

A ccident:
31 days

_

_

A ccident:
$279

Up to $50

(l )

(l )

—

X

S ickness:

Sickness:
31 days

N onoccupational

Daily
amount

Maximum
room and
board
allow ance

J T f9

8th day

E m ployee only
$5

$375

75 days

E m ployee and dependents

()
*

()
*

(
a)

()
*

()
*

<
2)

(
a)
Up to $11

31 days

—

$341

Up to $550

B asic ro o m and b oa rd allow ance up to stipulated m aximums p er year; extra allow ance o f up to $50 p er d isability.
No a ccid en t and sick n ess insurance benefit provided by plan; em ployees co v e re d b y the C alifornia State tem p orary d isability law . See Appendix A .




Up to $ 550

36

S E L E C T E D

Clothing industry, m en 'i
and b o y s ' , various
em ployers
Clothing W orkers (CIO)
National plan
D ecem ber 1954

Up to schedule
allow ance
accep ted as full
payment if annual
incom e is under—

E m ployee

Operation schedule—
selected allow an ces

Em ployee

Dependents

AND

MEDICAL

SURGICAL

COMPANY, UNION,
AND
DATE OF INFORMATION

H E A L T H

C o v e rs
ca s e s
in—

Maxim um schedule allow ance H ospital,
$200
$200
o ffic e , hom e,
elsew h ere
T on sillecto m y
Up to $30
Up to $30

Up to schedule
allow ance
accep ted as full
payment if annual
incom e is under—

H om e

O ffice

H ospi­
tal

M axiM aximum
mum
number number
days
v isits
S ickness A ccident
paid
paid
fo r
fo r
B enefits begin

Allow ance
E ls e ­
where

M axim um
com pensation

P rov ided b y the Am algam ated Clothing W o rk e rs ' Health C e n te r s 1

Appende c tom y
Up to $100
Up to $ 100

Maximum
schedule
allow ance

H ospital

D ress industry, A ffilia ted
D ress M anu factu rers,
and other em p loyers
(New Y ork, N. Y .)

$5
3 -----

L a d ies' Garm ent W orkers
(AFL)

Upisrm—

January 1955

A ppendectom y
U p to $50

L um ber industry, variou s
em p loyers (Southern
C alifornia)

M axim um schedule allow ance H ospital,
$300
$300
o ffic e , hom e,
elsew h ere
T on sillecto m y
Up to $ 5 2 .50
Up to $ 5 2 .5 0

U nlim ited diagnostic s e rv ice s and treatm ent fo r am bulatory ca s e s p rov id ed at Union Health Center

C arpenters (A FL)
July 1954

T onsillectom y

Appende c tom y
U p to $150
Up to $150

Up to
$5 p e r
vis it

to
per
visit
$5

Up to
$5 p er
v isit

$250 p e r 6 •month
p e rio d

Home
and
o ffic e :
3d day

1st day

1 p er
day

H ospital:
1st day

1 The Am algam ated Clothing W ork ers ' Health C en ters, where lo ca te d , p rov id e am bulatory patients with com plete general m e d ica l, diagnostic and therapeutic c a r e . M edication furnished at nom inal
ch arge. Financing o f the C enters v a rie s a ccordin g to loca tion . F o r exa m p le, in Philadelphia each em p loy er contributes 1 .2 5 p ercen t o f p a yroll (0 .7 5 p e rce n t fo r em p lo y e e s and 0. 5 p e rce n t fo r their
dependent husbands and w ives); in New York City each em p loy er contributes on e-fou rth o f one p e rce n t o f p a y ro ll, each em ployee contributes $10 p e r yea r fo r his co v e ra g e and an additional $10 fo r his
FRASER v e ra g e .
w ife 's co

Digitized for


37

IN SU RAN CE

P L A N S

-

C o n tin u e d

MEDICAL - Continued

MATERNITY PROVISIONS

Dependents

H ospitalization
Maxi­ M axi­
mum
mum
Other
number number p rov ision s
A c c i­ visits
days
paid
paid
dent
for
fo r

B enefits begin

A llow ance
H ospi­ E ls e ­
Home O ffice
tal
w here

M axim um
com pensation

S ick­
ness

A ccident
and
sickness

Daily
benefit D ura­
or
tion
se rv ice

See m ed ica l benefits fo r em ployees

Maximum
room and
board
allow ance

S urgical

E m ployee and dependent

(M

<>
‘

()
l

()
l

()
l

(
M

C
)

()
l

0
)

B enefits available to
newly insured

Employ<ee and dependent:
A fte r o months
Up to $50

(M

M edical

Schedule
E xtra
allow ance Amounts
allow ance Luirp
and
fo r
or
sum norm al lim itations
s e rv ice s
deliv ery

—

E m ployee only

E m p loyee:
Im m ediately

----- 1
--- i
“------ 1
I
$50 m aternity allow ance

Up to
$3 per
v is it

$150 p e r 6-m onth
p eriod

1s t day 1st day 1 per
day

E m ployee and dependent:
Im m ediately

E m ployee

—

—

Up to $75

—
Dependent

i
l
1
1
I
Up to $100 m aternity allows mce

E m ployee m ay obtain m ed ica l b enefits fo r dependents by paying m oderate fe e s to the Union Health C enter.




—

38
SELECTED

HEALTH

AND

EXTENSION OF BENEFITS TO—
(must be at lea st on group rate b a s is )

OTHER B EN EFITS1
COMPANY, UNION.
AND
DATE OF INFORMATION

Dependents o f re tire d em ployee

R etired em ployee
Types and amounts
L ife insurance

A ccidental
death and
di sm em oerm ent

H ospitalization

Surgical

M ed ical

L ife
insurance

H ospitali­
zation

S u rgical

M edical

$500

Clothing industry, m e n 's
and b o y s ' , various
em p loyers
Clothing W orkers (CIO)
National plan
D ecem ber 1954

E m ployee only
D ress industry, Affiliated
D ress M anufacturers,
and other em p loyers
(New Y ork, N. Y .)
Eye glass allow ance— 1 p air p er year

$500 2

Same as
fo r activ e
em p loy ee 3

L a d ies' Garm ent
W orkers (A FL)
January 1955

Lum ber industry,
various em p loy ers
(Southern C alifornia)
C arpenters (AFL)

L a b ora tory and X -r a y exam ination allow ance fo r
nonhospitalized ca s e s:
E m ployee— p to $25 fo r any one accid ent o r fo r all
-u
sick n esses in any one 6-m onth p eriod
Dependents— up to $25 fo r any one a ccid en t o r fo r
a ll sick n esses in any one 12-m onth p eriod

July 1954
Additional a ccid en t expense allow ance:
(F o r expenses in ex ce ss o f those co v e re d b y other
plan benefits in cu rred within 3 months a fter date
o f accident)
E m ployee— up to $300
Dependents— up to $150
P olio allow ance:
(F o r expenses in cu rred within 3 yea rs frorh date o f
fir s t treatm ent. If used, no other plan benefit
available)
E m ployee and dependents— up to $ 2 .5 0 0

1 Such benefits as X -r a y , anesthesia and ele ctro ca rd io g ra m allow an ces m ay be p rovid ed under som e p lan s, although not liste d h ere.
E XPLAN ATO RY NOTES.
m ay m aintain additional $500 insurance at his own expen se.
a lso e ligib le fo r eye gla ss a llow an ce.
m ay obtain m ed ical benefits fo r dependents b y paying m oderate fe e s to the M ed ica l C enter.

2
 R etired em p loyee
3 R etired em ployee
http://fraser.stlouisfed.org/
4 R etired em ployee
Federal Reserve Bank of St. Louis

R eason s f o r not listin g such benefits a re se t forth in

(4)

39

INSURANCE

PLANS

- Continued

FINANCING
B enefits fo r
em ployee

B enefits fo r e m p lo y e e 's
dependents

B enefits fo r retired
em ployee

Jointly

Employee
Company
Jointly
only
only

B enefits fo r dependents
o f retired em ployee

Amount o f contribution for—
B enefits fo r em ployee and dependents

Company
Jointly
only

only

X

X

only

x

(l >

(a)

only

E m ployee

Company

X

1

_

3

Company

F u ll co s t — 4 .5 p e r ­
cen t o f weekly
p a yroll

Life insurance:
Full co s t*
M edical benefits:
Full co st*

F u ll c o s t — $ 10 p e r
month f o r ea ch e m ­
p lo y e e working o r
paid fo r 80 straigh ttim e hours

Includes contribution f o r vacations which a re paid to em ployees out o f health and w elfare fund. A ls o c o v e r s co s t o f m e d ica l benefits f o r re tire d em p lo y e e .
m onthly dues) to Death B enefit Fund.
P aid fo r out o f the p ension fund which is em p loy er-fin a n ced .
See com pany con tribution colum n f o r b enefits fo r em ployee and dependents.




E m ployee

Full c o s t

(l )

X

B enefits fo r retired em ployee
and dependents

F ull co s t— 3 p ercen t
o f w eekly payroll

X

x

only

Jointly

M em bers pav $1 p e r year (included in

40
SELECTED

ELIGIBILITY
REQUIREMENTS
COMPANY, UNION.
AND
DATE OF INFORMATION

Amount

If perm anently and totally disabled
Amount
B efore
age—

Insurance is—
Maintained

Lum ber industry, various
em ployers (O regon,
Washington, C aliforn ia,
Idaho and Montana)

Im m ediately or
1 st of follow ing
month

AND

A CCIDEN TAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

New em p loyees
b ecom e
eligib le—

HEALTH

$ 3 ,0 0 0

60

$ 3 ,0 0 0

60 and
insured
1 year

C a ses
co v e re d

Paid in—

Graduated
a cco rd in g to—

M ultiSingle
Death d ism em ­ d ism e m ­
berm ent berm ent

N on occu pational;
o ccu p a ­
tional

X

$ 3 ,0 0 0 $ 1 ,5 0 0

$ 3 ,0 0 0

N on occu pational;
o ccu p a ­
tional

$ 2 ,0 0 0 $ 1 ,0 0 0

$ 2 ,0 0 0

W oodworkers (CIO)
D ecem ber 1954

A m e r ic a n S eatin g C om p an y 1 st of month
follow ing 13
(G ran d R a p id s , M i c h . )
A u to m o b ile W o r k e r s (CIO)

w eek s' em p loy­
m ent

Installments

July 1954

Furniture M anufacturers
in Southern C aliforn ia,
Industrial R elations
Council of

$ 1 ,0 0 0
A ccid en t and
sickness benefits:
Im m ediately or
1 st of follow ing
month

60

X

N o n o ccu pational;
o ccu p a ­
tional

$ 1 ,0 0 0 $500

$ 1 ,0 0 0

60

X

N on occu pational;
o ccu p a ­
tional

$ 1 ,0 0 0 $500

* 1 ,0 0 0

Carpenters (A FL)
August 1954

Other benefits:
A fter 30 d ays'
em ploym ent

Furniture industry, various A fter 60 days'
em ployers
em ploym ent
Furniture W orkers (CIO)
National p la n 1

$ 1 ,0 0 0

July 1954

1 B enefits under this p rog ra m v a ry som ewhat in different parts o f the cou ntry, due p rim a rily to varying amounts o f em p loyer contributions and to utiliza tion o f lo ca l h ospital p ro g ra m s .
d escrib ed a re those provided in the New York C ity a rea .




B en efits

41

IN SU RAN CE

P LA N S

-

C o n tin u e d

A C C I D E N T A N D S IC K N E S S

Duration of benefits
C ases
co v e re d

$40 p er week—
M axim um — 70 p ercen t o f
w eekly wage

2 6 weeks
p er d is ­
ability

Extended
coverage

B enefits begin
Daily
benefit
or
s e rv ice

Except

Amount

B enefits lim ited

N onoccupational

H O S P IT A L i Z A T ION

A ccident

1st day

Days

Maximum
room and
board
allow ance

Daily
amount

Extra allow ance P er
o r se rv ice
year

P er
d isa ­
bility

E m ergency
out-patient
ca re

E m ployee

4th day
Up to $ 10

180 days

— .

$ 1,8 00

—

Up to $500

—

X

—

X

—

Depenidents
Up to $10

N onoccupational

W eekly
earnings
Up to $ 4 0 ____
$40 to $50___
$50 to $60____
$60 and over..

N onoccupational

W eekly 1 6 weeks
benefit per d is ­
ability
$ 1 7 .5 0
2 4.5 0
3 1.50
38.50

70 p ercen t o f w eekly
earnings-—
M axim um — $35 p e r week

26 weeks
p er dis
a bility

1st day

$ 1 ,8 0 0

180 days

E m ployee and dependents

8th day
Sem iprivate
room

F u ll c o s t o f
sp e cifie d s e r v ­
ice s

120 days

r

1st day

Up to $200

X

R equired se rv ice s
provided

E m ployee

1st in
hospital
Up to $ 14

31 days

—

—

i$434

Up to $280

—

X

—

—

X

—

__

X

Dependents
Up to $10

N onoccupational

B ase w eekly
earnings

W eekly 26 weekt
b en efit p er year

L e s s than $ 1 5 _____ $ 1 0 .0 0
12.00
$15 to $20
15.00
$20 to $ 2 5 ______ ___
*2 5 to $ 30_ ___
18.00
$30 to $ 3 5 ______ — - 2 1.0 0
$35 to $ 5 0 .
- 2 2.5 0
$50 to $55
- 2 5 .0 0
$55 to $60
.
2 7.5 0
$60 to $65
- _ 3 0.00
$65 to $ 7 0 ______ ___
3 2.5 0
$70 and o v e r ___
3 5.00




1st day

31 days

—

8th day

—

$310

Up to $200

E m ployee and dependents
5 em iprivate
room

21 days

180

50 percen t
o f co s t o f
s e m i-p r i­
vate room

__

F ull c o s t o f
s p e cifie d s e r v ­
ic e s fo r 1st 21
days; 50 p ercen t
o f c o s t fo r addi­
tional 180 days

42

S E L E C T E D

Up to schedule
allow ance
accep ted as full
payment if annual
incom e is under—

E m ployee

Operation schedule—
selected allow ances

Em ployee

Dependents

AND

MEDICAL

SURGICAL

COMPANY, UNION,
AND
DATE OF INFORMATION

H E A L T H

C overs
ca se s
in—

Lum ber industry,
various em ployers
(Oregon, Washington,
C alifornia, Idaho, and
Montana)

Maxim um schedule allow ance H ospital,
$300
$300
o ffic e , hom e,
elsew here
T on sillectom y
Up to $50
Up to $50

W oodworkers (CIO)

Up to schedule
allow ance
accepted as full
payment if annual
incom e is under—

Home

O ffice

H ospi­
tal

k ia ximum
mum
number number
day 8
visits
S ickness Accident
paid
paid
fo r
fo r
B enefits begin

Allow ance
E ls e ­
where

Maxim um
com pensation

Up to $ 5 Up to $ 3 Up to $ 3 Up to $ 5 $250 p er d isa b ility
p er visit per visit per visit per v isit

1st v is it 1st v is it 1 per
day

Appendec tom v
Up to $150
Up to $150

D ecem ber 1954

A m erican Seating Company
(Grand R apids, M ich .)
Automobile W orkers (CIO)
July 1954

M axim um schedule allow ance H ospital,
$250
$250
o ffic e , hom e,
elsew here
T on sillec tom y
Up to $ 3 7 .50
Up to $ 3 7 .50

Up to $ 5 Up to $3 $5 for
.1
p e r visit per visil each day
of con
fin ement

H om e and o f f i c e :
$225 p e r d isa b ility

and
o ffic e :
1 per
day

H ospital:
$350 p er d isa b ility

H ospital:
70 p er
d is a b ility

Appendectom y
Up to $125
Up to $ 125

Furniture M anufacturers
in Southern C aliforn ia,
Industrial R elations
Council of

Maxim um schedule allow ance H ospital,
$150
o ffic e , hom e,
elsew h ere
T on sillecto m y
U pTto$25------Up to $50

^300

$225 p e r d isa b ility
Up to $3 Up to
Up to
Up to
$ 4 .5 0
$ 4 .5 0
per visit $ 4 .5 0
per v is it
per visit per vis it

3d v is it

1 per
day

Carpenters (A FL)
August 1954

Appendec tom y
Up to $200
Up to $100

Furniture industry,
various em p loyers

Maxim um sche<iule allow ance
$250
$200

Furniture W orkers (CIO)
National p la n 1

T on sillecto m y
Up to $45
Up to $30

July 1954

A ppendectom y
Up to $150
Up to $100

Up to $3 Up to $2 Up to $3
p e r v isit p er v isitt per visit
elsew here

$150 p e r d isa b ility

8th day
retro­
a ctiv e
to 1st

1st day

1 B enefits under this p rog ra m v a ry in d ifferent parts o f the country, due p rim a r ily to varying amounts o f em p loyer contributions and to utilization o f lo c a l hospital p ro g ra m s .
a re those p rovid ed in the New Y ork City a rea .




B enefits d e sc rib e d

43
IN SU R A N C E

P LA N S

MEDICAL - Continued

MATERNITY PROVISIONS

Dependents

H ospi­ E ls e ­
O ffice
tal
w here
$3 fo r
each
day o f
con ­
fin e ­
ment

Maximum
com pensation

Surgical

H ospitalization
M axi­
Benefits begin Maxi­
mum
mum
Other
number number p rov ision s
Sick­ A c c i­ visits
days
ness
dent
paid
paid
for
fo r

$ 540 p er d isability 1st day 1st day

A ccident
and
sickness

Daily
benefit D ura­
or
tion
se rv ice

Maximum
room and
board
allow ance

M edical

Schedule
Extra
allow ance Amounts
allow ance Lump
fo r
and
or
sum
norm al lim itations
s e rv ice s
d eliv ery

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

E m ployee and dependent

180
per
d isa ­
b ility

(M

B enefits available to
newly insured

Up to $ 75
(l )

R egular
benefits
fo r 6 weeks

E m ployee

E m ployee and dependent:
H ospitalization— after 9 months

F ull co s t
o f s p e c i­
fied s e r v ­
ic e s

S e m i- 120
private days
room

Up to
$ 6 2 .5 0

E m p loyee:
A ccid en t and sickness—
im m ediately
S urgical— after 9 months

Dependent
F ull c o s t
o f s p e c i­
fie d s e r v ­
ic e s

S e m i- 120
private days
ro o m

'

E m ployee
Up to
$10

14
days

$140

—

Up to $ 10C

Up to $100

1
-----------------

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

—

_____ 1
_____
Dependent
I
1
1
Up to $ 100 m aternity allow ance

J _____J
E m ployee R egular
only:
b enefits
If r e c e iv ­
ing m e d i­
ca l b en e­
fits ,
entitled to
3 vis its
within 31
days a fte r
return to
w ork

T otal allow an ce fo r h ospitalization and su rg ical benefits lim ited to $100.




L

E m ployee
—

—

Up to Up to $85
$80

—

E m ployee and dependent:
H ospitalization— imrae diately
S u rgical— if pregnancy com m ences
while insured
E m p loyee:
A ccid en t and sickness— if p re g ­
nancy com m en ces while insured

Dependent
Up to Up to $50
$80

44
S E L E C T E D

COMPANY, UNION,
AND
DATE OF INFORMATION
L ife insurance

W oodworkers (CIO)

Dependents o f re tire d em ployee

R etired em ployee
Types and amounts

D ecem ber 1954

AND

EXTENSION OF BENEFITS TO—
(must be at lea st on group rate b a s is)

OTHER B E N E FITS1

Lum ber industry,
various em p loyers
(Oregon, W ashington,
C alifornia, Idaho, and
Montana)

H E A L T H

A ccidental
death and
dism em berm ent

H ospitalization

Surgical

M ed ica l

L ife
insurance

H ospita li­
zation

S urgical

M ed ical

D iagnostic la b ora tory and X -r a y exam ination
allow ance fo r nonhospitalized c a s e s:
E m ployee and dependents— up to $50 p er condition
Supplemental a ccid ent expense allow ance:
(F or expen ses in e x cess o f those cov e re d b y other
plan b en efits, incurredNvithin 7 months o f date o f
accident)
E m ployee only— up to $300

A m erican Seating
Company (Grand
Rapids, M ich .)
Autom obile W orkers
(CIO)
July 1954

Furniture M anufacturers
in Southern C aliforn ia,
Industrial R elations
Council of

D iagnostic la b ora tory and X -r a y exam ination
allow ance fo r nonhospitalized ca s e s:
E m ployee—-up to $50 p er condition
Dependents— up to $25 p er condition

C arpenters (A FL)

P o lio allow ance:
(F o r expen ses in ex c e ss o f those co v e re d b y other
plan benefits in cu rred within 2 yea rs o f co m m e n ce ­
m ent o f disability)
E m ployee and dependents— up to $ 3,0 00

August 1954

Furniture industry,
various em p loyers

E m ployee and dependents

Furniture W orkers (CIO) L a b ora tory and X -r a y exam ination allow ance fo r
National p lan 2
nonhospitalized ca s es — up to $50 p er accident; up
to $50 fo r all exam inations m ade in connection with
July 1954
d isea se during any 12 con secu tive months

1 Such benefits as X -r a y , anesthesia and e le ctro ca rd io g r a m allow an ces m ay be p rov id ed under som e plans, although not liste d h e re . R easons fo r not listin g such ben efits a re set forth in
EXPLAN ATO RY NOTES.
parts o f the cou ntry, due p rim a r ily to varying amounts o f em ployer contributions and to utilization o f lo c a l hospital p ro g ra m s . B enefits

2
B enefits under this p rog ra m va ry somewhat in d ifferent
d escrib ed a re those p rovid ed in the New York City a rea .


45

IN SU RAN CE

P LA N S

-

C o n tin u e d

FINANCING
B enefits fo r
em ployee

B enefits fo r e m p lo y e e 's
dependents

B enefits fo r retired
em ployee

B enefits fo r dependents
o f retired em ployee

Amount o f contribution fo r—
B enefits fo r em ployee and dependents

Company
Jointly
only

E m ployee Company
Company
E m ployee Company
Em ployee
Jointly
Jointly
Jointly
only
only
only
only
only
only

X

See "Am o Tint o f
contributi on s"
colum n

Company

E m ployee

E m p lo y e e 's benefits:
E m p loyer deducts $13 .Z 0 m onthly fr>om e m p lo y e e ' s
p a y ch e ck 1
D ependents' benefits:
F ull c o s t

X

X

D ependents' benefits:
F u ll co s t— h osp italization, $ 3 .7 5
p e r month; su rg ica l, $ 1 .5 0 p e r
month

E m p lo y e e 's benefits:
F u ll c o s t

X

F u ll c o s t 2

X

X

F u ll co s t— 3 p ercen t
o f m onthly p a yroll

(*)

X

2 A greem ents in 1950 p rov id ed wage in crea se of
cents p e r hour to be s o le ly fo r p urpose o f financing health and insurance p ro g ra m .
E m ployee con tributes only amount requ ired under the California State tem p orary disa b ility law .




B enefits fo r retired em ployee
and dependents
E m ployee

Company

46
S E L E C T E D

ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

Amount

If perm anently and totally disabled
Amount
B efore
age—

Insurance is—
Maintained

Upholstering and a llied
trades in dustries,
various em p loyers

Im m ediately or
1st of follow ing
month

P eriod o f insurance cov era ge

Insurance

C ases
co v e re d

Graduated
a cco rd in g to—

Paid in—

Multi Single
Death d ism em ­ d ism e m ­
berm ent berm ent

0 0$ , 0
0 100

70

F o r 1 year

N on occu pational

65

F o r 1 year (or
fo r period
insured, if less
than 1 year) or
until age 65,
whichever occu rs
fir s t

N on occu - Annual earnings
pational;
500
o cc u p a ­
L e ss than $ 1 ,3 0 0 ---- $
$ 1 ,3 0 0 to $ 1 ,5 6 0 ___
800
tional
$ 1 ,5 6 0 to $ 2 ,0 8 0 ___
1,000
$ 2 ,0 8 0 to $ 3 ,1 2 0 ___
1, 500
$ 3, 120 to $ i, 160___
2, 500
$ 4 , 160 to $ 6 , 500___
4, 500
and up

,000

Under age 60 when firs t em ployed
1st 24 m onths.............................................. ......... ..........
24 to 36 m o n th s ____________ _____________________
A fter 36 m onths__________________________________

U p h olsterers' (A FL)
National plan

AND

A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T

L I F E IN S U R A N C E

New em p loyees
becom e
eligible—

H E A L T H

$ 1,0 00
1,100
1,200

August 1954
Age 60 or o ve r when fir s t em ployed
1st 12 m onths--------------- ---- -----------------------------------12 to 36 m o n th s __________________________________
A fter 36 m onths__________________________________

R obert G air Company

A fter 6 m onths'
em ploym ent

Septem ber 1954

P aper M akers (A F L );
Pulp, Sulphite, and P ap er
M ill W orkers (A FL)
O ctober 1954

A fter 6 months
em ploym ent

$ 1 ,2 0 0
1, 500
1,800
2 ,300
2, ^00
QO
U
o,000

B ase annual earnings

Insurance

L e s s than $ 1, 500 ___
$ 1 ,5 0 0 to $ 2 ,5 0 0 ___
$ 2 ,5 0 0 and o v e r _____

$,0
100
200
,0
3,000
plus

5 annual in crea s es in above amounts o f $ 100 each

n

E m ployees with annual earnings o f o v e r $ 2 , 500 m ay s ecu re additional insurance.




2 50
500
1,000

Insurance

L ess than $728 --------------------------------------$728 to $1,0 40 _________________________
$ 1 ,0 4 0 to $ 1 ,3 0 0 _______________________
$ 1,3 00 to $ 1 ,5 6 0 _______________________
$1,5 60 to $ 2,0 80 _______________________
$ 2 ,0 8 0 to $3, 1 2 0 _______________________
$ 3 ,1 20 to $4, 1 6 0 _______________________
$ 4 ,1 6 0 to $6, 500 _______________________
and up

Paper M akers (A FL)

International P a p er
Company, N orthern
D ivision

Annual earnings

$

60

X

Installments
(Optional)

N on occu - B ase annual earnings
pational;
o ccu p a ­
L e s s than $ 1 ,5 0 0 ---$ 1 ,5 0 0 to $ 2 ,5 0 0 ___
tional
$ 2 ,5 0 0 and o v e r ____

2 50
400
500
750
1,250
2 ,2 50

$ , 0 $ 500
100
2 0 0 1,000
,0
3,000

1,500

$

500
800
1,000
1.500
2 .5 0 0
4, 500

$ 1 ,0 0 0
2 ,0 0 0
3,000

plU8
5 annual in cr e a s e s —
$ 100 each in a bove
"D eath " and "M u ltid is­
m em b erm en t" am ounts;
$50 each in above
"Single d ism em berm en t"
amounts

47

IN SU RAN CE

P LA N S

-

C o n tin u e d

H O S P IT A L IZ A T IO N

A C C I D E N T A N D S IC K N E S S

Duratidn of benefits
C ases
co v e re d

N onoccup ational

0)

Daily
benefit

Except
A fter
age—
Under age 60 when fir s t
-r.
52 weeki
em p loy ed :
p< d is p er
60 p ercen t o f a vera ge weekly al
.bility
wage

Benefits lim ited

Extended
covera ge

B enefits begin

Days

A ccident

1st day

(M

Daily
amount

Maximum
room and
board
allow ance

8th day

E m ergency
out-patient
ca re

—

X

—

—

X

E m ployee 2

()
*
Up to $ 10

50 days

(3)

A ge 60 o r o v e r when fir s t
2 6 weeks
em p loy ed :
p er d is 30 p ercen t o f average w eekly al ility
b
wage during 1st 36 months
during
o f insurance co v e ra g e ; 60
1st 36
p ercen t thereafter
months;
52 weeks
per dis
()
l
ability
th ere­
after

P er
d isa ­
bility

Extra allow ance P er
o r se rv ice
year

<
3)

—

—

$500

Up to $200

(3)
Depen dents 2

$7

$217

31 days

Up to $140

()
*

N onoccupational

earnings
L e s s than $725 ____
$725 to $ 1 ,0 4 0 _____
$ 1 ,0 4 0 to $ 1 ,3 0 0
$ 1 ,3 0 0 to $ 1 ,5 6 0 _
$ 1 ,5 6 0 to $ 2 ,0 8 0 __
$ 2 ,0 8 0 to $ 3 ,1 2 0 __
$ 3 ,1 2 0 and o v e r ____

N onoccupational

B ase annual
earnings
L e s s than $ 1 ,0 4 0
$ 1 ,0 4 0 to $ 1 ,1 4 4 __
$ 1 ,1 4 4 to $ 1 ,2 4 8 _ _
$ 1 ,2 4 8 to $ 1 ,3 5 2 __
$ 1 ,3 5 2 to $ 1 ,4 5 6 _ _
$ 1 ,4 5 6 to $ 1 ,5 6 0 _ _
$ 1 ,5 6 0 to $ 1 ,6 4 4
$ 1 ,6 4 4 to $ 1 ,7 6 8 —
$ 1 ,7 6 8 to $ 1 ,8 7 2 ___
$ 1 ,8 7 2 to $ 1 ,9 7 6 —
$ 1 ,9 7 6 to $ 2 ,0 8 0 _
$ 2 ,0 8 0 to $ 2 ,1 8 4 __
$ 2 ,1 8 4 to $ 2 ,2 8 8 _
$ 2 ,2 88 to $ 2 ,3 9 2
$ 2 ,3 9 2 to $ 2 ,4 9 6 —
$ 2 ,4 9 6 to $ 2 ,6 0 0 _
$ 2 ,6 0 0 to $ 2 ,7 0 4 ___
$ 2 ,7 0 4 to $ 2 ,8 0 8 __
$ 2 ,8 0 8 and o v e r ____

£6 weeks
benefit per d is ­
ability

8th day

E m ployee

8th day

$0
1
1
2

$12

70 days

—

—

$840

15
18

—

Dependents

2
2
30
40

W eekly 26 weeks
benefit p er d is ­
ability
$10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28

Up to $120

Up to $ 12

8th day

70 days

$840

8th day

X

Up to $ 120

E m ployee and dependents
Up to $ 12

(4)

—

—

$840

Up to $150

—

X

Up to $150

* Not available to em p loy ees elig ib le fo r cov era ge under the C alifornia State tem p orary disa b ility law.
3 H
o r o v e r when fir s t em p loyed , em ployee and dependents re c e iv e 50 p ercen t o f s p e cifie d benefits during fir s t 36 months o f insurance co v e ra g e ; sp e cifie d b enefits thereafter.
D aily benefits not payable during p e rio d em ployee rece iv e s hospital benefits under the C aliforn ia State tem p orary disa b ility law ($ 10 daily fo r 12 days), but such p e rio d included in computing
m axim um p eriod during which d aily plan benefits are payable.
FRASER Duration depends on actual d a ily room and board ch arges; total allowance lim ited to $840.

Digitized for


48
SELECTED

Upholstering and a llied
trades in d u stries,
various em p loy ers
U pholsterers (A F L )
National plan
August 1954

Up to schedule
allow ance
a ccep ted as full
payment if annual
incom e is under—

C o v e rs
ca s e s
Dependents

Maxim um schedule allow ance H ospital,
$250
$150
o ffic e , hom e,
elsew h ere
_______ T on sillectom y
Up to $40
Up to $25

Up to schedule
allow ance
accep ted as full
payment if annual
in com e is under—

H om e

O ffice

H ospi­
tal

Up to
$3 p er
v is it

Up to
$ 2 per
visit

Up to
$3 per
v isit

(l )

(l )

Ma»-" M aximum
mum
number number
visits
days
S ickness A ccident
paid
paid
fo r
fo r
B enefits begin

Allow ance
E ls e ­
where

M axim um
com pensation

$150 p e r d isa b ility

4th
v is it

1 st
vis it

1 st

1 st

(M

(l )

3 per
week;
50 p e r
d is a ­
b ility

A ppendectom y
Up to $115
Up to $70

(M

R obert G air Company

E m ployee

Operation schedule—
selected allow an ces

E m ployee

(l )

Maxim um schedule allow ance H ospital
$225
$225

P aper M akers (A FL)
Septem ber 1954

T on sillecto m y
Up to $ 3 7 .5 0 Up to $ 3 7 .5 0
_______ Append.
lectom v
Up to $150
Up to $150

International P a p er
Company, N orthern
D ivision
P aper M akers (A F L );
Pulp, Sulphite, and Paper
M ill W orkers (A FL)

M axim um schedule allow ance H ospital,
$250
I$250
o f f ic e , h om e,
elsew h ere
ectom y
T on sillecto m y_____
Under age 12,
Up to $50
up to $30;
o v e r age 1 2 ,
up to $50

$ 4 fo r
each
day o f
confine •
ment

$250 p e r d isa b ility

day

day

O ctober 1954
A ppendectom y
Up to $125
Up to $125

If age 60 o r o v e r when fir s t em p loyed , em ployee and dependents r e c e iv e 50 p ercen t o f s p e cifie d benefits during fir s t 36 months o f insurance co v e ra g e ; s p e c ifie d b en efits th erea fter.




AND

MEDICAL

SURGICAL

COMPANY, UNION,
AND
DATE OF INFORMATION

HEALTH

49
INSURANCE

PLANS

- Continued

M EDICAL - Continued

MATERNITY PROVISIONS

Dependents

H ospi­ E ls e ­
Home O ffice
tal
w here

Maximum
com pensation

S urgical

H ospitalization
M axiBenefits begin Maxi­
mum
mum
Other
number number p rov ision s
S ick­ A c c i ­ visits
days
paid
ness
dent
paid
for
fo r

A ccident
and
sickn ess

Daily
benefit D ura­
or
tion
s e rv ice

Maximum
ro o m and
board
allow ance

Regular
benefits
tor 6 weeks

M edical

Schedule
Extra
allow ance Amounts
allow ance Luxr.p
and
fo r
or
sum
norm al limitations
s e rv ice s
d eliv ery

E m ployee and dependent:
A fte r 9 months

E m ployee 1
Up to
$5

12

$60

Up to $ 50

Up to $40,
plus up to
$5 am bulance
allow ance

days

B enefits available to
newly insured

—

D ependent 1
Up to Up to $30
$50

R egular
benefits
fo r 6 weeks

E m ployee and dependent;
Im m ediately

E m ployee
$12

14
days

$168

Up to $ 12(

Up to $75

—

Dependent
Up to
$12

$ 4 fo r
each
day o f
con­
fin e ­
m ent

$250 p e r disa b ility

1 st
day

1 st
day

If age 60 o r o v e r when fir s t em p loyed , em ployee and dependent




R egular
benefits
fo r 6 w eek 8

14
days

$168

Up to $ 120

Up to $75

E m ployee and dependent

--------------1
------------- 1
--------1
-------

E m ployee and dependent:
M aternity allow ance— if p r e g ­
nancy com m en ces while insured

Up to $150 m aternity allow ance

E m ployee:
A ccid en t and sickness—
im m ediately

re c e iv e 50 p ercen t o f s p e c ifie d b enefits during fir s t 36 months o f insurance co v e ra g e ; sp e cifie d benefits thereafter.

50
SELECTED

COMPANY, UNION,
AND
DATE OF INFORMATION

Dependents o f rietired em ployee

R etired em ployee
Types and amounts
L ife insurance

U p holsterers (A FL)
National plan

AND

EXTENSION OF BENEFITS TO—
(must be at lea st on group rate b a s is)

OTHER BENEFITS 1

U pholstering and a llied
trades in d u stries,
various em p loy ers

HEALTH

A ccidental
death and
dism em berm ent

Hospitalization

Surgical

M edical

L ife
insurance

H ospitali­
zation

S urgical

M edical

E m ployee only
L a b ora tory and X -r a y exam ination allow ance fo r
nonhospitalized ca s es and if not provided by other
plan benefits— up to $25 per d is a b ility 2

August 1954

R obert G air Company
P aper M akers (A FL)
Septem ber 1954

International Paper
Company, N orthern
D ivision
Paper M akers (A F L );
Pulp, Sulphite, and Paper
M ill W orkers (AFL)

With 15 y e a r s '
s e r v ic e o r due to
d isability:
Amount in e ffe ct
im m ed ia tely p rio r
to retirem en t

With 15 y e a rs ' Same as fo r active
se rv ice o r due em ployee
to disability:
Amount in
effect im m ed i­
ately p rio r to
retirem ent

Same as Same as
fo r active fo r a ctive
em ployee em ployee

Same as
Same as Same as
fo r re tire d fo r r e ­
fo r re tire d
em ployee
tired
em ployee
em ployee

O ctober 1954

1 Such b enefits as X -r a y , anesthesia and e le ctro ca rd io g r a m a llow an ces m ay be p rovid ed under som e plans, although not listed h e re . R easons fo r not listin g such benefits a re set forth in
EXPLAN ATO RY NOTES.
when fir s t em ployed, em ployee and dependents r e c e iv e 50 p e rce n t o f sp e cifie d benefits during fir s t 36 months of insurance co v e ra g e ; s p e cifie d benefits th erea fter.

If
 age 60 o r ov er


51
INSURANCE

PLANS

- Continued

FINANCING
B enefits fo r
em ployee

B enefits fo r e m p lo y e e 's
dependents

B enefits fo r retired
em ployee

B enefits fo r dependents
o f re tire d em ployee

Amount o f contribution fo r-—
B enefits fo r em ployee and dependents

Company
Jointly
only

E m ployee Company
Company
Em ployee Company
Em ployee
Jointly
Jointly
Jointly
only
only
only
only
only
only

Company

E m ployee

X

X

X

E m ployee

Company

F u ll co s t — 3 p ercen t
o f aggregate earnings
o f em ployees

X

B enefits fo r retired em ployee
and dependents

F u ll c o s t

X

X

X

X

E m p lo y e e 's benefits:
L ife and accidental
death and d ism em ­
berm ent in surance,
and a ccid en t and
sick n ess b enefits—
B ase annual
W eekly
earnings
con tributions 1 balance o f co s t
Other em ployee
L e s s than $ 1 ,5 0 0 ------$ 0 .2 5
benefits— full c o s t
$ 1 ,5 0 0 to $ 2 ,5 0 0 ____
.50
$ 2 , 500 and o v e r -------. 75

E m p lo y e e 's benefits:
L ife and a ccid ental death and d is ­
m em berm ent in su ra n ce, and a c c i ­
dent and sick n ess benefits

D ependents' benefits:
F ull c o s t —-$ 1 .2 $ p e r week

E m p lo y e e 's ben eE m p lo y e e 's benefits:
fits:
L ife and accidental
death and d ism e m b e r­ L ife and accidental
m ent in su ra n ce,
death and d ism em ­
retirin g p r io r to 65 *
berm ent insurance,
retiring p r io r to
B ase annual
Monthly 65— balance o f c o s t 5
earninss
co n tr i- retiring at 65 o r
p r io r to
butions 1 later— fu ll c o s t
retirem en t
L e s s than
$ 1 ,5 0 0
$ 1 ,5 0 0 to
$ 2 ,5 0 0
$ 2 ,5 0 0 and
oyer

_

$ 0 .6 0
$ 1 .2 0
$ 1 .8 0

Other em ployee
benefits— full c o s t
D epen den t's benefits:
F ull c o s t

* E m ployees earning o v e r $ 2 , 500 annually who ele ct to be co v ered b y additional insurance make a la rg e r con tribution.
E m ployees re tirin g p r io r to age 65, if not due to d isability, make m onthly contribution until age 65; thereafter com pany pays full c o s t .




52
SELECTED
ELIGIBILITY
REQUIREMENTS
COMPANY, UNION.
AND
DATE OF INFORMATION

A fter 3 m onths1
em ploym ent

Amount
B efore
age—

B efore age 65:
B asic annual earnings
L ess than
$ 1 ,4 5 6 to
$ 1 ,9 7 6 to
$ 2 ,3 9 2 to
$ 2 ; 600 to
$ 2 ,8 0 8 to
$ 3 ,0 1 6 to
$ 3 ,4 3 2 to
$ 3 ' 848 to
$ 4 '2 6 4 to
$ 4 ' 680 to
$ 5 ' O96 to
$ 6j 000 to
and up

P aper W orkers (CIO);
Pulp, Sulphite, and P aper
M ill W orkers (AFL)
O c t o b e r 1954

$ 1 ,4 5 6 ________________________ ________
$ 1 ,9 7 6
___ ___
________
$2| 3 9 2 ________________________ ________
$2, 600
___
$2^ 808_ _
_ _
________
$ 3 ,0 1 6
_
_ .... ___
$ 3 ,4 3 2 ________________________ ________
$ 3, 8 4 8 _____ __
___ ___
.
$4^ 264 _
_
______
_ ___
$ 4, 680
.
..........................
____
$ 6 ’ 0Q6
$ 6 ,0 0 0
$ 7 j 0 0 0 _______ _____
______ _____

65

C a ses
co v e re d

Insurance is—

F o r 1 year

A fter 90 d a y s'
em ploym ent

L ess
$100
$150
$200
$250
$300
$350
$ 400

B o o k b in d e r s (A F L )
Jan uary 1955

Em ploying Lithographers
A ssocia tion o f San
F ra n cis co

If exp erien ced :
A fter 30 d a y s'
em ploym ent

Lithographers (CIO)

If in experienced :
1 st o f month fo l ­
lowing o r coin*
ciding with
com p letion o f 3
m onths'
em ploym ent

August 1954




Monthly b ase pay
than $100
_
_
. . .. ___
to $ 150
___
to $200
... ......... __ _
_
to $250
_
_ __
to $300 ___
_
__ _ ______
to $350 _ __ _
_ _____ ___ ________
___
to $400
... . . .
._
.
... __
and o v e r _

__

Insurance

$ 1,5 00

$ 1 , 456____
$ 1 , 976____
$ 2 , 392____
$ 2 , 600____
$ 2 , 808____
$ 3, 016____
$ 3 , 432____
$ 3 , 848____
$ 4 , 264____
$ 4, 680____
$ 5, 096____
$ 6 , 000___
$ 7 , 000___

At age 65;
I f insured fo r le s s
than $ 3 ,0 0 0 p r io r to
age 65, amount in
e ffe ct red u ced to__ _
If insured fo r m o re
than $ 3 ,0 0 0 p r io r to
age 65, amount in
e ffe ct red u ced to____

65

X

__

X

.

$ 1 ,9 0 0
2, 500
3,100
3,7 0 0
4, 300
4,9 0 0
5,500
6 . 100

At any
age

M ulti­
Single
Death d ism e m ­ d ism e m ­
berm ent berm ent

N on occu - B efore age 65:
pational B asic annual earnings
L e s s than
$ 1 ,4 5 6 to
$ 1 ,9 7 6 to
$ 2 ,3 9 2 to
$ 2 ,6 0 0 to
$ 2 ,8 0 8 to
$ 3 ,0 1 6 to
$ 3 ,4 3 2 to
$ 3 ,8 4 8 to
$ 4 ,2 6 4 to
$ 4 ,6 8 0 to
$ 5 ,0 9 6 to
$ 6 ,0 0 0 to
and up

$1,0 00
2 ,0 0 0
2 ,250
2,5 0 0
2 ,7 5 0
3 ,000
3 ,5 0 0
4 ,0 0 0
4, 500
5,000
5, 500
6,000
7,000

Insurance

Graduated
a cco rd in g to—

Paid in—

At age 65:
Insurance reduced to $750 if insured fo r le s s than $ 3 ,0 00
p rio r to age 65; to $ 1 ,0 0 0 if insured fo r m o re than $ 3 ,0 0 0

B row n and B ig e lo w
C om pa n y (S t. P a u l,
M in n .)

Amount

If perm anently and totally disabled

Maintained
W est V irginia Pulp and
Paper Company

AND

A CCIDEN TAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

New em ployees
becom e
eligib le- —

HEALTH

$1,000 $ 500 $1,000
2,000
2,000 1,000
2 ,2 5 0
2 .5 0 0
2 ,7 5 0
3 .0 0 0
3 .5 0 0
4 .0 0 0
4.5 0 0
5.000
5.500

2,000
2.2 5 0
2 .5 0 0
2 .750
3,0 0 0
3 .5 0 0

6.000
7,000

$

750 $

$1,000

2,250
2 .500
2 ,750
3.000
3.500
4.0 0 0
4.5 0 0
5.000
5.500

1 ,125
1.250
1,375
1.500
1.750

$

6.000
7,000

375

$

750

500

$1,000

53

INSURANCE

PLANS

- Continued

ACCIDENT AND SICKNESS

H O S P IT A L IZ A T IO N

Duratidn of benefits
C ases

P eriod

N onoccup ational

B a sic annual
earnings
L e s s than $ 1 , 456 ___
$ 1 ,4 5 6 to $ 1 . 560 ___
$ 1 ,5 6 0 to $ 1 , 768 ___
$ 1 ,7 6 8 to $ 1 . 976 —
$ 1 ,9 7 6 to $ 2 , 1 8 4 ___
$ 2 ,1 8 4 to $ 2 , 392 _
$ 2 ,3 9 2 to $ 2 , 600 ___
$ 2 ,6 0 0 to $ 2 , 808 ___
$ 2 ,8 0 8 to $3, 0 1 6 ___
$ 3 ,0 1 6 to $ 3, 432 ___
$ 3 ,4 3 2 to $ 3 , 848 „
$ 3 ,8 4 8 and o v e r ____

N onoccup ational

D a ily
b e n e fit
or
s e r v ic e

Except

co v e re d
A fter
age—

B e n e fits lim ite d

W eekly 13 weeks
b en efit p er d is ­
ability
$14
15
17
19

8 th

day

8 th

E xtra allow ance P er
o r se rv ice
year

P er
d isa ­
b ility

E m ergency
out-patient
ca re

E m ployee

day
70 days

$6

—

—

$420

Up to $60

—

X

—

Depeindents

23
25
27
29
33
37
40

Up to $ 6

13 weeks
p er die
a bility

1 st

day

8 th

<>
‘

(l )

Up to $60

E m ployee and dependents
Up to $ 8

(l )

$420

70 days

day

O ccupational D ifferen ce betw een W ork­
m en ' s C om pensation ben efit
and above amount

<M

Days

Daily
amount

Maximum
room and
board
allow ance

21

50 p ercen t o f straigh t tim e
w eekly earnings—
M axim um — $75

(M

Extended
cov era ge

B enefits begin

$280

35 day 8

F u ll co s t o f
s p e cifie d s e r v ­
ic e s

X

Up to $160

E m ployee

(l >
Up to $14
(*)

31 days

—

$434

( 2)

Up to $280, plus
75 p e rce n t o f
next $ 1 , 0 0 0 o f
ch arges

—

X

Up to $280, plus
75 p ercen t o f next
$ 1 ,0 0 0 o f ch arges

X

Up to $200, plus
75 percen t ot next
$ 1 ,0 0 0 o f ch arges

Dependents
Up to $10

31 days

$310

Up to $200, plus
75 p e rce n t o f
next $ 1 , 0 0 0 o f
ch arges

No accid en t and s ick n ess insurance b enefits provided b y plan; em ployees co v e re d b y the C aliforn ia State tem p orary disa b ility law . See A ppendix A .
D aily amount red u ced b y hospital benefit em ployee r e c e iv e s under the C aliforn ia State tem p orary d isability law ( $ 1 0 p e r day fo r f ir s t 12 days in hosp ital).




54




SELECTED

HEALTH

AND

55
IN SU RAN CE

P L A N S




-

C o n tin u e d

56
S E L E C T E D

COMPANY, UNION,
AND
DATE OF INFORMATION

Dependents o f re tire d em ployee

R e tire d em ployee
Types and amounts
L ife insurance

A ccid en ta l
death and
dism em berm ent

H ospitalization

Surgical

M ed ical

L ife
insurance

H ospitali­
zation

S urgical

Sam e as fo r active
em ployee

P aper W orkers (CIO)
Pulp, Sulphite, and Papei
M ill W orkers (A FL)
O ctober 1954

Brown and B igelow
Company (St. Paxil,
Minn.)
Bookbinders (AFL)
January 1955

E m ployee and dependents
X -r a y s in d o c t o r 's o ffic e o r clin ic— uo to $10 fo r
any one accid ent
A nesthesia fo r ton sillectom y in d o c t o r 's o ffic e o r
clin ic— up to $5

Em ploying L ithographers D iagnostic la b ora tory and x -r a y allow ance fo r
nonhospitalized c a s e s:
As sociation o f San
E m ployee— up to $50 p er yea r p er condition
F ra n cis co
Dependents— up to $25 p er year per condition
Lithographers (CIO)
A dditional a ccid en t expense allow ance:
(F o r expenses in e x c e ss o f those paid under other
August 1954
plan benefits in cu rred within 90 days a fte r injury)
E m p loyee and dependents— up to $ 300

1 Such b enefits as X -r a y , anestheuia and ele ctro ca rd io g ra m allow ances m ay be p rov id ed under som e plan s, although not listed h e re .
E XPLAN
 ATO RY NOTES.


AND

EXTENSION OF BENEFITS TO—
(must be at lea st on group rate b a s is)

OTHER B E N E FIT S1

West V irginia Pulp and
P aper Company

H E A L T H

R eason s fo r not listin g such benefits a re set forth in

M ed ical

57

IN SU RAN CE

P LA N S

-

C o n tin u e d

FINANCING
B enefits fo r
em ployee

B enefits fo r e m p lo y e e ’ s
dependents

B enefits fo r retired
em ployee

B enefits fo r dependents
o f re tire d em ployee

Amount o f contribution fo r
B enefits fo r em ployee and dependents

Company
Jointly
only

E m ployee Company
E m ployee Company
Company
Em ployee.
Jointly
Jointly
Jointly
only
only
only
only
only
only

E m ployee

B a sic
annual
earning 8
L e s s than
$ 1 ,4 5 6 to
$ 1 ,5 6 0 to
$ 1 ,7 6 8 to
$ 1 ,9 7 6 to
$ 2 ,1 8 4 to
$ 2 ,3 9 2 to
$ 2 ,6 0 0 to
$ 2 ,8 0 8 to
$ 3 ,0 1 6 to
$ 3 ,4 3 2 to
$ 3 ,8 4 8 to
$ 4 ,2 6 4 to
$ 4 , 680 to
$ 5 ,0 9 6 to
$ 6 ,0 0 0 to
and up

Company

M onthly contribution B alance o f co s t
Single
One
A ll
em « depend- depend*
ployee
ent
ents

$ 1 ,4 5 6 - $1.,39 $2.,80 $3. 57
4. 06
$ 1 ,5 6 0 - 1.,88
3. 29
$ 1 , 7 6 8 - 1. 93
3. 34
4. 11
3.,40
4. 16
$ 1 ,9 7 6 - 1. 98
4. 33
$ 2 , 1 8 4 - 2.,15
3.,57
4. 39
3,,62
$ 2 , 3 9 2 - 2.,20
$ 2 , 6 0 0 - 2. 37
3.,79
4. 55
4.,72
$ 2 , 8 0 8 - 2.,54
3,,95
4. 89
4.,12
$ 3 , 0 1 6 - 2.,71
$ 3 , 4 3 2 - 3,,04
4.,46
5. 23
5.,57
4.,80
$ 3 ,8 4 8 - 3,,38
$ 4 , 2 6 4 - 3.,69
5,.11
5.,88
$ 4 , 6 8 0 - 3,,92
6. 11
5,,34
$ 5 , 0 9 6 - 4.,15
6.,34
5,,57
6.,57
$ 6 , 0 0 0 - 4,,39
5.,80
$ 7 , 0 0 0 - 4,,85
6.,26
7.,03

L ife in su ra n ce;
$ 0 .4 0 p e r m onth p e r $ 1,000 insurance

L ife insurance:
B alance o f co s t
Other benefits;
F u ll co s t

F u ll cost— $ 1 .7 5
p er w e e k 1

1 O ctob er 1954 em p loy er contribution changed to $ 2 .0 0 p e r week.




B enefits fo r re tire d em ployee
_________ and dependents_________
E m ployee
$ 0 .4 2 p er month
p e r $ 1 ,0 0 0 of
insurance

Company
Balance o f co s t

58

S E L E C T E D

ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

Amount
B e fo re
age—

Insurance is —

Publishers* A ssocia tion
o f New Y ork C ity
T ypographical Union
(A FL)
Septem ber 1954

Dow C hem ical Company
D istrict 50. United M ine
W orkers (h id .)
July 1954




C ases
c o v e re d

P aid in—

Graduated
a cco r d in g to—

M ulti­
Single
Death dism em ­ d ism em ­
berm ent berm ent

60

X

N o n o ccu pational;
occu p a ­
tional

$ 2 ,0 0 0 $ 1 ,0 0 0

$ 2 ,0 0 0

1st o f month coin* $ 1 ,0 00
ciding with o r next
following a 4*
month p e rio d d ur­
ing which em ployee
ias been em ployed
cr d iligently seek*
Lng em ploym ent
within the U n ion 's
Newspaper B ranch
ind has w orked at
least one shift o f
cov ered em ploy*
ment

60

X

N onoccupational;
occu p a ­
tional

$ 1 ,0 0 0 $500

$ 1 ,0 0 0

After 3 months*
employment

60

X

$ 2 ,0 0 0
If exp erien ced :
Immediately o r 1st
of follow ing month

L ithographers (CIO)
July 1954

Amount

If perm anently and totally disabled

Maintained
C hicago L ithographers
A ssocia tion

AND

ACCIDEN TAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

New em p loy ees
becom e
e l i g i b le - -

H E A L T H

[f in experien ced :
A fter o months *
cov ered em ploy*
ment

$ 4 ,0 0 0

59

IN SU RAN CE

P L A N S

-

C o n tin u e d

ACCIDENT AND SICKNESS

HOSPITALIZATION

Duratidn o f benefits
C ases
co v e re d

Amount

Except
P eriod

N on occu p a tional

T w o-th ird s o f cu rren t
b a s ic w eekly wage—
Maxim um — $ 50

13
weeks
p e r d is ability

A fter
age—

Benefits lim ited
to-—

—

—

Extended
cov era ge

B enefits begin

A ccident

1st day

S ickness

Daily
benefit
or
s e rv ice

Maximum
room and
board
allow ance

Duration
Days

Daily
amount

Up to $15

O ccupational D ifferen ce betw een W ork­
m en ' s C om pensation ben efit
and above am ount

N onoccupational

$28 p e r w eek




E m ergency
out-patient
ca re

$465

31 days

X

Up to $300

X

Up to $200

X

Up to $ 7 .2 5

X

Up to $300

Up to $200, plus
75 p ercen t o f next
$ 2 ,4 0 0 o f ch arges

X

Up to $200, plus
75 p ercen t o f next
$ 2 ,4 0 0 o f ch arges

Dependents
Up to $10

$45 p e r week

Per
d isa ­
b ility

E m ployee

8th day o r
1st in
hospital

Occupational D ifferen ce betw een W ork m en 1s C om pensation ben efit
and above am ount

N on occu p a tional

E xtra allow ance P e r
o r s e rv ice
year

13
weeks
p er d is ­
ability

—

26
weeks
p e r d is ­
a bility

—

—

8th day

8th day

Up to $200

E m ployee and dependents

8th day
S em i­
private
ro o m

—

$310

31 days

21 days

180

F u ll c o s t o f
s p e cifie d s e r v ­
ic e s fo r 1st 21
d ays, 50 p e rce n t
o f c o s t fo r
additional 180
days

50 p ercen t
o f co s t o f
s e m i­
private
ro o m

8th day

E m ployee
Up to $12

70 days

$840

Up to $200, plus
75 p e rce n t o f
next $ 2 ,4 0 0 o f
ch arges

"

Dependents
Up to $11

70 days

$770

Up to $200, plus
75. p e rce n t o f
next $ 2 ,4 0 0 o f
ch arges

60

S E L E C T E D

Chicago L ithographers
A ssocia tion
Lithographers (CIO)

Up to schedule
allow ance
accep ted as full
payment if annual
incom e is under—

E m p loyee

Operation schedule-—
s elected allow an ces

E m ployee

Dependents

AND

MEDICAL

SURGICAL

COMPANY, UNION,
AND
DATE OF INFORMATION

H E A L T H

C o v e rs
ca s e s
in—

M axim um schedule allow ance H ospital,
$300
$200
o ffic e , home,
elsew h ere
T on sille cto m y
Up to $45
Up to $30

Up to schedule
allow ance
a ccep ted as full
payment if annual
incom e is under—

B enefits begin

A llow ance
E ls e ­
where

M axim um
com pensation

m um
number number
days
vis its
S ickness A ccid ent
paid
paid
fo r
fo r

H om e

O ffice

H ospi­
tal

Up to
$5 p e r
v isit

Up to
$3 p er
visit

Up to
$5 p er
visit

$200 p e r d isa b ility

1st day
2d day
o f total o f total
d isa b il­ d isa b il­
ity
ity

$4 fo r
each
day o f
con fin e­
m ent 1

$280 p e r d isa b ility

1st day

July 1954

1 p er
day; 13
weeks
p e r d is ­
ability

Appendectom y_____
Up to $150
|
Up to $100

P u b lish ers' A ssocia tion
o f New Y ork City
T ypographical Union
Septem ber 1954

Maxim um schedule allow ance H ospital,
¥250
$250
o ffic e , hom e,
elsew h ere
T onsilic ctom y
Up to $50
Under age 12,
up to $30;
o v e r age 12,
up to $50
Appendi; ctom y
Up to $125
Up to $125

Dow C hem ical Company
D is trict 50, United Mine
W orkers (in d .)

M axim um schedule allow ance H ospital,
o f f ic e , hom e,
e lsew h ere
T on s ille cto m y
Up to $60
Under age 12,

¥300------- -------------------------$250

July 1954

1st day

70 p e r
d isa ­
b ility

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

If su rg ica l operation is p e rfo rm e d , allow ance is g re a te r o f (a) $4 fo r ea ch day o f hospital confinem ent up to day o f operation; o r (b) $4 fo r ea ch day o f con fin em en t minus su rg ica l op era tion




61
IN SU R A N C E

P L A N S

-

C o n tin u e d

MEDICAL - Continued

MATERNITY PROVISIONS

Dependents

H ospi­ E ls e ­
O ffice
tal
where

Maximum
com pensation

S urgical

H ospitalization
Maxi­ M axi­
mum
mum
Other
number number p rov ision s
A c c i ­ visits
days
dent
paid
paid
for
fo r

Benefits begin
Sick­
ness

A ccident
and
sickness

Em ployee R egular
anly:
benefits
ETdisabled fo r 6 weeks
for at
Least 7
days, en ­
titled to 3
visits with­
in 31 days
after r e ­
turning to
work

Daily
benefit Dura­
or
tion
s e rv ice

Maximum
room and
board
allow ance

M edical

Schedule
Extra
allow ance Amounts
allow ance Lump
and
fo r
or
sum norm al lim itations
s e rv ice s
delive ry

ee and dependent:
A fte r 9 months

E m ployee
—

—

—

—

Up to Up to $75
$150

—

Dependent
Up to Up to $50
$100

Dependent:
Ho spitalization— imme diately
S urgical— if pregnancy com m en ces
while insured

Dependent Only
Up to Up to $75
$80

$3 fo r
each
day o f
con ­
fin e ­
m e n t1
*

$210 p e r d isability

1st
day

1st
day

70 per
d isa ­
b ility

B enefits available to
newly insured

R egular
benefits

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

E m ployee
Up to
$12

14
days

$168

Up to
$145

Up to $75

—

(*)
Dependent
Up to

$11

(3>

Up to
differen ce
between
total roon
and b oard
ch arges
and $110

Up to $75

<
3)

1 If su rg ica l op era tion is p e rfo rm e d , allow ance is greater o f (a) $4 fo r each day o f hospital confinem ent up to day o f operation ; o r (b) $4 f o r each day o f confinem ent m inus su rg ica l operation
a llow an ce.
Plus $10 i f cir c u m c is io n on baby is p erform ed during fir s t 14 days.
3
FRASER T otal room and b oa rd ch a rges plus ch arges fo r extra s e r v ic e s lim ited to $11 0 .

Digitized for


62
SELECTED

COMPANY, UNION,
AND
DATE OF INFORMATION
Life insurance

July 1954

Dependents of retired employee

Retired employee
Types end amounts

Lithographers (CIO)

AND

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

OTHER BENEFITS1
1

Chicago Lithographers
Association

HEALTH

Accidental
death and
di smemoerment

Hospitalisation

Surgical

Same as for active
employee but com­
bined maximum
hospitalization and
surgical benefits
available during
retirement limited
according to years
of service prior to
retirement*

Medical

Life
insurance

Hospitali*
sation

Surgical

Medical

Same as
for active
employee
but com­
bined
maximum
hospitali­
zation
and sur­
gical
benefit
available
during
retire­
ment
limited
according
to years
of serv>
ice prior
to retire*
menta

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

Publishers' Association
of New York City
Tp>ographical Union
September 1954

Dow Chemical Company

Service Insurance

District 50 , United Mine
Workers (Ind.)

20 years
or less_ $1,000
_
21 years— 1,100
22 years— 1,200
23 years— 1,300
24 years— 1,400
25 years— 1,500
26 years— 1,600
27 years— 1,700
28 years— 1,800
29 years— 1,900
30 years
and over— 2,000

July 1954

1
Such benefits as X-ray , anesthesia and electrocardiogram allowances may be provided under some plans, although not listed here. Reasons for not listing.such benefits are set forth in
EXPLANATORY NOTES.
* Years of service prior to retirement Maximum combined benefit
Years of service prior to retirement Maximum combined benefit
11 or less
___ -11___---------------------------------- $355----------------17____ 1JLZ___ — -------------------- —
F755
14
___________ :____________
400
1 8 ________________________________
800
 1 5
________________________
500
19 -------------------------------------------------, JO
O
If,_______ _________ ,_______________
600
20 or m ore------------------ ...--------------1,000
http://fraser.stlouisfed.org/

Federal Reserve Bank of St. Louis

63

INSURANCE

PLANS

- C o n tin u e d

FINANCING
Benefits for
employee

Benefits for employ ee*s
,
dependents

Benefits for retired
employee

Benefits for dependents
of retired employee

Company Jointly Company Jointly Employee Company Jointly Employee Company Jointly Employee
only
only
only
only
only
only
only

Amount of contribution for—
Benefits for employee and dependents
Employee

Company

X

X

X

Employee

Company

Full cost— $2 per
—
week

X

Benefits for retired employee
and dependents

Full cost

X




X

X

Employee's benefits:
$0.82 biweekly
Employee and dependents1 benefits:
81.42 biweekly

Balance of cost

Full cost

64
SELECTED

ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

American Viscose
Corporation

If permanently and totally disabled

After 60 days1
employment

August 1954




Before
age—
Service
days 1 1 year .
^ to
year to 5 years .
years and over .

October 1954

Texas Company

AND

ACCIDENTAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

New employees
become
eligible—

Textile Workers (CIO)

Oil Workers (CIO)

HEALTH

After 1 year's
employment

Monthly rate of pay
Less than $ 87. 50 ___________________________
$87.50 to $112.50__________________________
$112.50 to $125.00________________________
$125.00 to $137.50________________________
$137. 50 to $162.50________________________
$162.50 to $187.50________________________
$187.50 to $212.50________________________
$212.50 to $237.50________________________
$237.50 to $262.50________________________
$262.50 to $287.50________________________
$287.50 to $312.50________________________
$312. 50 to $337.50________________________
$337. 50 to $362.50________________________
$362.50 to $387.50________________________
$387.50 to $412.50:________________________
$412. 50 to $475.00________________________
$475.00 to $525.00________________________
and up

Insurance
$

Maintained

60

500

Two-thirds of
amount in effect
at date of dis­
ability

MultiSingle
dismem­ dismem­
berment berment

Graduated
according

Paid in—
Installments

1,000
2,000

Insurance At any
age
$1,500
1,800
2,100
2,400
2,700
3,150
3,600
4,050
4,500
4,950
5,400
5,850
6,300
6,750
7,200
8,100
9,000

Cases
covered

Insurance is

Nonoccu* Service
pational;
occupa­ 60 days to 1 year tional
1 year to 5 years 5 years and over _

;

500 ;

1,000
2,000

250 $ 500
500
1,000

1,000

2,000

65

INSURANCE

PLANS

- C o n tin u e d

H O SP IT A L iZ A T ION

A C C ID E N T AN D SICKNESS

Duratidn of benefits
Cases
covered

After Benefits limited
age—
Nonoccupational;
occupational
accidents
only

Basic weekly
earnings
Less than $ 3 4 ____
$34 to $36. .
$36 to $38________
$38 to $40.
$40 to $42________
$42 to $44________
$44 to $46.
$46 to $48__
$48 to $ 50________
$50 to $52___
$52

D a ily
b e n e fit

Except

Amount

Weekly 13
benefit weeks
per dis­
$20
ability
21
22
23
24
25
26
27
28
29
30

65

Extended
coverage

Benefits begin
Duration

Days

Accident Sickness

13 weeks during 1st day
any 12 consecu­
tive months

Daily
amount

Maximum
room and
board
allowance

Extra allowance Per
or service
year

Per
disa­
bility

Emergency
out-patient
care

Employee and dependents 1

8th day
Semi­
private
room

1st year
under plan,
21 days;
2d year,
25 days;
thereafter,
31 days

90

50 percent
of cost of
semi­
private
room

__

Full cost of
specified serv­
ices for basic
period; 50 per­
cent of cost for
additional 90
days

X

__

Up to $ 10

Employee and dependents

<*)

(*)

<
2)

(*)

<
a)

(*)

(*)

$7

31 days

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




$217

Up to $140, plus
up to $5 ambu­
lance allowance

Up to $140

66
SELECTED

American Viscose
Corporation
Textile Workers (CIO)

Up to schedule
allowance
accepted as full
payment if annual
income is under—

Employee

Operation schedule—
selected allowances
Covers
cases
Employee

Dependents

Maximum schedule allowance Hospital,
fl5 0 “
office, home,
elsewhere
Tonsillectomv

JTW

U p t o n ’S

Upio$25

October 1954
Up to

Texas Company
Oil Workers (CIO)
August 1954




Appendsctomy

T t e f iw r
g

Maximum schedule allowance Hospital,
$2*0
office, home,
elsewhere
Tonsillectomy
Up to t i l . *0 W t o i r r w

J zsT

Up to

Aooendec tomv
----- Upto $12*

AND

MEDICAL

SURGICAL
COMPANY, UNION,
AND
DATE OF INFORMATION

HEALTH

Up to schedule
allowance
accepted as full
payment if annual
income is under— Home

Benefits begin

Allowance
Office

Hospi­
tal

Else­
where

compensation

Sickness Accident

HaHT

Maxi-

number number
visits
days
paid
paid
for
for

67

INSURANCE

PLANS

- C o n tin u e d

M E D IC A L - C on tinued

Dependents
Allowance
Else­
Office Hospi­ where
tal

Maximum
compensation

M A T E R N IT Y PR O V ISIO N S

Surgical Medical
Ho spitali zation
Schedule
Benefits begin Maxi- Maxi­
Accident Daily
mum mum
Extra
Other
Maximum
allowance Amounts
and
number number provisions sickness benefit Dura­ room and allowance Lump
and
for
sum normal limitations
or
Sick­ Acci­ visits days
or
tion
board
ness
dent paid
paid
service
allowance services
delivery
for
for
Regular
benefits
for 6 weeks

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

Employee and dependent
Semi- 10
private days
room

(l )

—

<)
l

Full cost
of speci­
fied serv­
ices

—

Up to $ 50

Employee only:
Immediately

Employee only
14
days

$98

Up to
$140,

plU8 U tO
p
$ 5 ambulance
allowance

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




Employee:
Accident and sickness—after
9 months

(M

(*)
$7

Benefits available to
newly insured

Up to
$ 62.50

68
SELECTED

COMPANY, UNION,
AND
DATE OF INFORMATION

Dependents of retired employee

Retired employee
Types and amounts
Life insurance

$1,000

Accidental
death and
di smemoer ment

Hospitalisation

Same as for active
employee

Surgical

Medical

Life
insurance

Hospitali­
zation

Surgical

Same as
for retired
employee

Textile Workers (CIO)
October 1954

Texas Company
Oil Workers (CIO)
August 1954

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

Two-thirds of
amount in effect
immediately
prior to retire­
ment

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

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




AND

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

OTHER BENEFITS1

American Viscose
Corporation

HEALTH

Medical

69

I N S U R A N C E

P L A N S

-

C o n tin u e d

FINANCING

B efits for
en
em
ployee

B efits for em
en
ployee's
d en en
ep d ts

B efits for retired
en
em loyee
p

B efits for d en en
en
ep d ts
of retired em loyee
p

C p n J tly C p n Join E ployeeC p n J tly E p
oma y oin
om a y tly m
oma y oin m loyee C p n J tly E p
oma y oin m loyee
ly
on
ly on
on
ly
on
ly
on
ly
on
ly
on
ly
X

X

X




X

X

X

X

A ou t of con tion for—
mn
tribu
B efits for retired em loyee
en
p
B efits for em loyee a dd en en
en
p
n ep d ts
a dd en en
n ep d ts
C pn
oma y
E ployee
m
E ployee
m
C pn
oma y
D en en ch ren s ben
ep d t ild *
efits:
F ll cost
u
D en en h sban ben
ep d t u d's efit:
H
ospitalization fu cost
— ll

E ployee a d
m
n
E ployee' sb efit:
m
en
E ployee a d
m
n
ife su ce—
ep d ts' efits: L in ran
d en en w s d en en ben
ep d t ife1
ll
H
ospitalization fu fu cost
— ll
ben
efits:
F ll cost
u
cost
D en en h sb n 1
ep d t u a d s
ben
efits:
S rgical— ll cost
u
fu

E ployee' s
m
E ployee's ben
m
efits:
ben
efits:
L in ran
ife su ce—
alan
M th ra
on ly te
M th
on ly B ce of cost
of p y
a
con tion
tribu
L th n $125.00__ Nn
ess a
oe
$125.00 to $137. 5 _ $0.96
0
$137. 5 to $102. 5 _ 1.08
0
0
$162.50 to $187.50 _ 1.26
$187. 5 to $212. 50_ 1.44
0
$212. 5 to $237. 5 _ 1.62
0
0
$237. 5 to $262. 5 _ 1.80
0
0
$262.50 to $287.50 _ 1.98
$287. 5 to $312. 50_ 2.16
0
$312.50 to $337. 5 _ 2.34
0
$337. 5 to $362. 5 _ 2. 5
0
0
2
$362.50 to $387. 5 _2.70
0
$387. 5 to $412. 50_2 8
0
. 8
$412. 5 to $475.00 _ 3.24
0
$475.00 to $525.00 _ 3.60
a du
n p
O er ben
th
efits—$0.50 per m th
on
D en en ben
ep d ts' efits:
F ll cost— efits for w or
u
ben
ife
h sb n , $2.67 per m th for
u ad
on ;
ch or ch
ild
ildren $2.67; for w
,
ife
or h sb n a dch or ch
u a d n ild
ildren
,
$5.34

F ll cost
u

70

S E L E C T E D

E IG IL Y
L IB IT
R Q IR M N S
EU E ET
C M A Y U IO ,
O P N, N N
AD
N
ewem
ployees
D T O IN O M T N N becom
A E F F R A IO
e
eligible*fter on s1
S
inclair O C
il orporation A 6m th
em loym t
p en
OW
il orkers (C )
IO
N ber 1 5
ovem 9 4

L IF E

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

IN S U R A N C E

B
efore
a e—
g

In ran is
su ce
Min in
a ta ed

S yV cu mO
ocon a u il
C pn
oma y
O W ers (C )
il ork
IO
A gu 1 5
u st 9 4

Im ediatelyor
m
1 of follow g
st
in
m th
on

B F. G
.
oodrich C p n
om a y
R bber W
u
orkers (C )
IO
J ly 1 5
u 94

L in ran a dE in an service
ife su ce n arn gs d
a en a d sickccid t n
n ben
ess efits:
3m th to 1year service .
on s
1 of m thcoin­ 1year or m service a dearn gs of:
st on
ore
n
in
cid g w or n Less th n$2,000___ __________
in ith ext
a
follow g 3m th $2,000 to $2,500_____________
in on s'
em loym t
p en
$2,500 to $3,500_____________
$3,500 to $4,000_____________
O er ben
th
efits:
$4,000 a dover.__ ______ , __
n
_
A 3m th
lter on s'
em loym t
p en

A N D D IS M E M B E R M E N T

G u
rad ated
according to—

N oc•
on
cupation
al;
O ­
ccu
p tion l
a a

A n a basic rate of p y
n ul
a
In ran
su ce
Less th n $1,000,01________________ $1,600
a
$1,000.01 to $1.400.01________________ 2,400
$1,400.01 to $1,800.01_____________
3,200
$1,800.01 to $2,200.01_____________
4,000
$2,200.01 to $2,600.01_____________
4,800
$2,600.01 to $3,000.01_____________
5,600
$3,000.01 to $3,400.01_____________
6,400
$3,400.01 to $3,800.01________________ 7,200
$3,800.01 to $4,200.01_____
8,000
$4,200.01 to $4,600.01_____________
8,800
$4,600.01 to $5,000.01_____________
9,600
$5,000.01 to $5,400.01_____________
10,400
$5,400.01 to $5,800.01_____________
11,200
$5,800.01 to $6,200.01__
12,000
a du
n p

In ran
su ce
$2,000
2,000
2.500
3.500
4,000
4.500

6
0

6
0

C p yprovides n con torylife in ran m es available ad ition in ran onacon
om an
on tribu
su ce; ak
d al su ce
tributorybasis.




C
ases
covered

P i
aid

<>
*

N
onoc- A n a basic :
n ul
cupa- of pay
tion
al;
occu­ L th n $1, 000.01.
ess a
p tion l $1,000.01 to $1,400,
a a
$1,400.01 to $1,800,
$1,800.01 to $2,200,
$2,200.01 to $2,600,
$2,600.01 to $3,000,
$3,000.01 to $3,400.
$3,400.01 to $3,800,
$3,800.01 to $4,200,
$4,200.01 to $4,600,
$4,600.01 to $5,000.
$5,000.01 to $5,400,
$5,400.01 to $5,800.
$5,800.01 to $6,200.
a du
n p

In
stallm ts
en

A N D

A ou t
mn

If p an tlya dtotally disabled
erm en n
A ou t
mn

H E A L T H

u
S g M lti­
in le
em
D th dism ­ dism ­
ea
em
en
berm t berm t
en
$1,000$5 0
0

80
0
20
0
60
0
00
0
40
0
80
0
20
0
60
0
00
0
40
0
80
0
20
0
60
0
00
0

$1,000

! 40 $ 80
0
0
6 0 1,200
0
8 0 1,600
0
1,000 2,000
1,200 2.400
1.400 2,800
1,600 3.200
1,800 3.600
2,000 4.000
2,200 4.400
2.400 4,800
2,600 5.200
2,800 5.600
3,000 6.000

71

I N S U R A N C E

P L A N S

-

C o n tin u e d

A C C ID E N T

AN D

S IC K N E S S

H O S P I T A L 1 Z A T IO N

D r& nof ben
u tid
efits

C ees
n
covered

A ou t
mn

D ily
a
b efit
en
E t
xcep
or
P
eriod A
cciden S n
t ick ess service
en
ited A
fter B efits lim
a e—
g

N occu
on pa- B a n a
ase n u l
W ly 5
eek 2
tion
al
earn gs
in
ben w s
efit eek
per d <
is
Less th n $1,000__. $
a
10 ability
$1,000 to $1,500__ 1
5
$1,500 to $2,000__ 2
0
$2,000 to $2,500__ 2
5
$2,500 to $3,000__ 3
0
$3,000 to $3,500__. 3
5
$3,500 to $4,000_u. 4
0
$4,000 to $5,000__ 4
5
0
$5,000 to $7,500__ 5
0
$7, 5 0a dover__ 6
0 n

E ten ed
x d
coverage

B efits begin
en

D ration
u

Mxim m
a u
an er Per
room a d E allow ce P disa­
n xtra
board
D . allow ce or service year bility
aily
D ys a ou t
a
an
mn

E ergen
m cy
ou a t
t-p tien
care

E ployee a dd en en
m
n ep d ts

1 dy 8 dy
st a
th a
1 0d ys
2 a

—

—

$1,200

U to $200, p s —
p
lu
7 percent o
5
x
n $2,000 of
ext
ch
arges

X

U to $200, p s
p
lu
7 percent of n
5
ext
$2,000 of ch
arges

E ployee a dd en en
m
n ep d ts
(4
)

C)
1

N occu
on pa- M — per w
en $35
eek
tion
al
W en $25per w
om -—
eek

<>
‘

2
6
w s
eek
per d
ie
ability

(M

(l)

<
l)

(4
)

U to $ 7 d ys
p 12 0 a

U to $200, p s
p
lu
7 percent of
5
n $1,800 of
ext
charges

U to $200, p s
p
lu
7 percent of n
5
ext
$1,800 of ch
arges

E ployee a dd en en
m
n ep d ts

1 dy 8 dy
st a
th a
S i­
em
private
room

1 0d
2 ays

N acciden a d sickness in ran ben providedbyp n em
o
t n
su ce efit
la ; ployees coveredbyp sickleave plan
aid
.



1 0 U to $6 $1,920
8 p

F cost of
ull
specified serv­
ices

X

R ired services
equ
provided

72

S E L E C T E D

O eration sch u
p
ed le—
selected allow ces
an

A N D

MD A
E IC L

S R IC L
UG A
C M A Y U IO ,
O P N, N N
U to sch u
p
ed le
AD
N
allow ce
an
D T O IN O M T N acceptedas fu
A E F F R A IO
ll
p y en if a n a
a m t n ul
in e is u d
com n er

H E A L T H

U to sch u
p
ed le
A an
llow ce
a an
llow ce
accepted as fu
ll
p ym t if a n a
a en n u l
ospi­ E
om
ffice H l wlse­
in e is u d
com n er— H e O
ta
h
ere

E ployee
m

M u sch u a an H
axim m ed le llow ce ospital,
$5
20
office, h e,
om
elsew ere
h
T
onsillectom
y
U to $ 0
p 5
U d age 1 ,
n er
2
u to $30;
p
over a 1 ,
ge 2
u to $ 0
p 5
y
A p dectom
p en
U to $ 2
p 1 5 U to $ 2
p 15

$ for
3
eachd y
a
of con­
fin en
em t
(l)

$ 5 per disability
20

axir
B efits begin M m l i s m
en
m
u
m
u
n mer
ub
n mer
ub
d
t p
S n cciden visits pays
ick essA
aid
aid
for
for
1 dy 1 dy
st a st a

S y V cu mO
ocon a u il
C pn
oma y
O W ers (C )
il ork
IO
A gu 1 5
u st 9 4

M u sch u allow ce H
axim m ed le
an ospital,
$5
20
$5
20
office, h e
om
elsew ere
h
T
onsillectom
y
U to $ 0
p 5
U d age 1 ,
n er
2
u to $30
p
;
over age 1 ,
2
u to $ 0
p 5
A pen
p dectom
y
U to $125 U to $ 2
p
p 15

$4for
eachd y
a
of con­
fin en
em t
(a
>

$ 0 per disability
25

1 dy 1 dy
st a st a

B« F. G
oodrich C p n
oma y
R bber W ers (C )
u
ork
IO
J ly 1 5
u 94

M u sch u a an ospital,
axim m ed le llow ce
1250------- nkso--------- H hom
office,
e

U to
p
$ per
3
dy
a

$3 0 per disability
6

1 dy 1 dy
st a st a

S clair O C
in
il orporation
O W ers (C )
il ork
IO
N ber 1 5
ovem 9 4

E ployee
m

D en en
ep d ts

C
overs
cases
in
—

J250

T
onsillectom
y
U to $ 0
p 5
U d age 1 ,
n er
2
u to $30;
p

elsew ere
h

Mxim m
a u
com sation
pen

1 0per
2
disa­
bility

A dectom
ppen
y
U to $1 5 jU to $ 2~
p
2
p T5
1 If surgical operationperform allow ce is greater of (a $3 for eachd yof h
ed,
an
)
a
ospital con em t u to d yof operation or (b $ for eachdayof con em t m u surgical operation allow ce.
fin en p a
;
) 3
fin en in s
an
allow ce is greater of (a $4 for each d yof h
an
)
a
ospital con em t u to d yof operation or (b $4for eachd of con em t m u surgical operation allow ce.
fin en p a
;
)
ay
fin en in s
an


2 If surgical operationperform
ed,


73
INSURANCE

PLANS

- Continued

M D A - C tin ed
E IC L on u

M T R IT P O IS N
A E N Y R V IO S

D en en
ep d ts

A an
llow ce
ospi­
H eO
om ffice H
tal
$3 for
each
d y of
a
confinemt
en
(l)

edical
S rgical M
u
H
ospitalization
axi­ axi­
B efits b M m M m O er A
en
egin m
S ed le
ch u
cciden D ily
t a
B efits ava ble to
en
ila
u m
u
th
xtra
Mxim m E
a u
ou
an m n
a
n
Mxim m
a u
n ly in red
ew su
n mern merprovisions sickd b efit D ra­ rooma d allow ce L m allow ce Aa d ts
ub ub
an u p for
n
u
n
n
ess en tion board
E
lse­ com sation S
pen
ick- Acci- visits d ys
a
or
su n al lim
m orm
or
itation
s
w ere
h
n
ess d n p id p id
et a
a
service
allow ce services
an
delivery
for for
E ployee a dd en en
m
n ep d t:
E ployee a dd en en
m
n ep d t
$250 per disability 1 d y1 d y
st a st a
If p an com en w ile
regn cy m ces h
in red
su
$ 0 m ity allow ce
1 0 atern
an

$4 for
each
d yof
a
con­
fin
e­
mt
en
(2
)

U to
p
$ per
3
dy
a

$360 per disability 1 d y1 d y
st a st a

E ployee a dd en en
m
n ep d t

$250 per disability 1 d y1 d y —
st a st a
(3
)

10
2
per
disa­
bility

R lar
egu
ben
efits
for 6w s
eek

10
U to 1
p
0 $0
$1 d y
0 as

U to $ 5
p 7

U to
p
$0
10

E ployee a dd en en
m
n ep d t
Sem 1
i- 4
as
private d y
room

___

F ll cost
u
of speci­
fied
services

_ _

E ployee a dd en en
m
n ep d t:
if pregn cy com en w ile
an
m ces h
in red
su

Em
ploye a dd en en
n ep d t:
If p an coipm ees w ile
regn cy
cn
h
in red
su

1 If surgical operationperform allow ce is greater of (a $ for eachd yof h
ed,
an
) 3
a
ospital con em t u to d yof operation or (b $ for eachd yof con em t m u su
fin en p a
;
) 3
a
fin en in s rgical op
eration allow ce.
an

3 If su
rgical operationperform allow ce is greater of (a $4 for eachd yof h
ed,
an
)
a
ospital con em t u to d yof operation or (b $4 for eachd y of con em t m u surgical op
fin en p a
;
)
a
fin en in s
eration allow ce.
an

 acciden a d sickness in ran ben providedby p n em
3N
o
t n
su ce efit
la ; ployees covered byp sick leave p .
aid
lan


74

S E L E C T E D

A N D

E T N IO O B N F ST —
X E S N F E E IT O
(m st b a least ongrou rate basis)
u e t
p

O H RB N F S
T E E E IT 1
C M A Y U IO ,
O P N, N N
AD
N
D T O IN O M T N
A E F F R A IO

H E A L T H

D en en of retired em
ep d ts
ployee

R
etired em loyee
p
T a da ou ts
ypes n m n
L in ran
ife su ce

A
cciden
tal
H italization
osp
d tha d
ea n
dsm oerm t
i em en

ospitali­ u
ife
edical
edical inLran H
S rgical M
u
su ce zation S rgical M

S clair O C
in
il orporation
E ployee a dd en en
m
n ep d ts
O W ers (C )
il ork
IO
A esth allow ce for n h
n esia
an
on ospitalizedcases—
u to $ 0 per operation
p 1
N ber 1 5
ovem 9 4

ith
ith
W 5con u s W 5 W 5con'
ith
tin ou
tin ­ u s
yea p npartici­ con u tin ou
rs* la
ou years' years* p
s
p tionprior to
a
lan
retirem t:
en
p npar­ participa­
la
ation tionprior
S m as lor active ticip
ae
em loyee b t lim prior to to retirep
u i­
te to tota of
d
l
$1,200 for room
a dboarda d
n
n
$1, 7 0for special
0
services d rin
u g
periodof retire­
mt
en

a e s am
S m as S m a S e as
ae
for retired for retiree for retired
ployee em
ployee
em
ployee em
(•
)
(*)
<)
J

S y V cu mO
ocon a u il
C pn
oma y
O W ers (C )
il ork
IO
A g st 1 5
uu 94

ith
ith
W 5con u s W 5 W 5con­
ith
tin ou
u s
yea p npartici­ co tin < tin ou
rs* la
n u
la
ou years' years* p n
s
p tionprior to
a
retirem t:
en
p npar­ participala
S m as for active ticipation tionprior
ae
prior to to retireem loyee
p
en
retire­ m t:
ae
m t: S m as
en
(s)
S m as for active
ae
for a e em
ctiv ployee
em
ployee
(*)
(*
>

am s
am
S m as S e as S e a
ae
ed
for retired for retix for retired
ployee
em
ployee em
ployee em

E ployee a dd en en
m
n ep d ts

A ou t ineffect A ou t in
mn
mn
m
im ed
m iatelyprior effect im edi­
to retirem t
en
atelyprior to
E ergency diagn X-rav allow ce if n oth min in for 1 retirem t
m
ostic
an
o er a ta ed
en
p nben are p yable— pto $1 per con ition year, th red ced
la efits
a
u
0
d
en u
1 percent a n a
0
n u l­
M m
ajor edical exp se allow ce— percent of ly u til a ou t
en
an -?5
n mn
expen inexcess of oth p nben d rin
ses
er la
efits u g eq a a n a
u ls n u l
eachm
edical period of 1 m th w ichis inex­ salary im edi­
2 on s, h
m
cess of $100; m u —
axim m $5,000
ately prior to re­
tirem t
en

B F. G
.
oodrich C p n
oma y
E ployee on
m
ly
R bber W
u
orkers (C )
IO
D ostic X-ray allow ce for n h
iagn
an
on ospitalized
J ly 1 5
u 94
cases— p to $7 per con
-u
0
dition

R gw 1
etirin ith 5
years service:
5 percent of
0
a ou t ineffect
mn
im ediatelyprior
m
to retirem
ent

U to $1 per d y
p
0
a
for all h
ospital
ch
arges; m xim m
a u
-— 1 per calen­
$ 0
3
d r year
a

1 S chben as X-ray, an esia a delectrocardiogramallow ces m be provided u d som plan a ou hn listedhere. R
u
efits
esth
n
an
ay
n er e s, lth g ot
eason for n listing su ben are set forth in
s
ot
ch efits
K
T a ou t of h r
otal m n ospital, su
rgical a dm
n edical ben (in din X-ray ben ' d rin period of
efits clu g
°
7 efit) u g

E P A A O Y OE.
XL
N T R N T S
* $1 0m ity allow ce
0 atern
of all oth ben also
er efits
http://fraser.stlouisfed.org/ergency diagn an inlieuefit also provided retiredprovided. a dth d en en
m
em
ployees n eir ep d ts.
retirem E St.ited to ostic X-ray ben
ent
*
Federal Reserve Bank of limLouis $3,970.

75

I N S U R A N C E

P L A N S

-

C o n tin u e d

F AC G
IN N IN
B efits for
en
em
ployee

B efits for em
en
ployee's
d en en
ep d ts

B efits for retired
en
em loyee
p

B efits for d en en
en
ep d ts
of retired em
ployee

A ou t of con tion for—
mn
tribu
B efits for retiredem
en
ployee
B efits for em
en
ployee a dd en en
n ep d ts
a dd en en
n ep d ts
C pn
om a y
E ployee
m
E ployee
m
C pn
oma y

oma y oin m loyee C p n Join E p
C p n Join C p n Join E ployeeC p n J tly E p
oma y tly oma y tly m
oma y tly m loyee
ly
on
ly
on
ly
on
ly
on
ly on
on
ly
on
ly
X

X

X

X
B
asic
ana
n ul
earn gs
in

alan
M th con tionfor B ce of cost
on ly tribu
ben for—
efits
tm- E ployee
m
E - ployee a dw
m
n ife
ployee a d or w
n
ife
on chil- a d
ly
n
dren ch
ildren

B efits for em
en
ployee B la ce of cost
an
on $1.00 per m th
ly,
on ;
for em
ployee a d
n
children, $2.60; for
em
ployee a dw or
n ife
em
ployee, w a d
ife n
ch
ildren $3.10
,

Less th n
a
$3,000__$1.55 $3.15 $3.65
$3,000 to
$4,000__ 1.80 3.40 3.90
$4,000 to
$7,500__ 2.15 3.75 4.25
$7,500 a d
n
over
2.50 4.10 4.60
X

X

X

X

X

X

X

alan
L a dacciden d tha ddis- B ce of cost1
ife n
tal ea n
m berm t insurance1:
em en
A n a basic
n ul
M th
on ly
rate of p
ay
con tion
tribu
Less th n$1,000.01 __ $0.48
a
$1,000.01 to $1,400.0L_ 1.20
$1,400.01 to $1,800.01-. 1.60
$1,800.01 to $2,200.01- 2.00
$2,200.01 to $2, 600.01_ 2.40
$2,600.01 to $3,000.01- 2.80
$3,000.01 to $3,400.01- 3.20
$3,400.01 to $3,800.01- 3.60
$3,800.01 to $4,200.01- 4.00
$4,200.01 to $4, 600.01_ 4.40
$4,600.01 to $5,000.01_ 4.80
$5,000.01 to $5,400.01_ 5.20
$5,400.01 to $5,800.01- 5.60
$5,800.01 to $6,200.01. 6.00
a du
n p
M m
ajor edical exp se ben
en
efit:
F cost— efit for em
ull
ben
ployee
on $1.44 per m th for em loyee
ly,
on ;
p
a dd en en $3.44
n ep d ts,
O er ben
th
efits:
B efits for em
en
ployee on $1.04
ly,
per m th for em
on ;
ployee a d
n
d en en $4 2
ep d ts, . 0
F ll cost
u

1 A a 6 , em
t ge 5 ployee's con tion for life a dacciden d a a ddism berm t in ran cease; com yp fu cost.
tribu s
n
tal e th n
em en su ce
pan ays ll



F ll cost
u

F ll cost
u

76
S E L E C T E D

ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

A fter 3 m onths'
em ploym ent

Amount
B e fo re
age-

B efore age 65:
B asic hou rly rate

65
Insurance
$ 1 ,5 0 0

L ess than $0.72„__.
$ 0 .7 2 to $ 0 . 9 0 ___
$ 0 .9 0 to $ 1 . 0 8 ___
$ 1 .0 8 to $ 1 . 2 6 ___
$ 1 .2 6 to $ 1 . 4 4 ___
$ 1 .4 4 and o v e r ___

Rubber W orkers (CIO)
July 1954

At age 65 insurance reduced:
Insurance in effect
prior to age 65

insurance is—

2,000

Insurance maintained
a fte r age &5

$ 1 ,5 0 0 _________________________________

L ife insurance:
A fter 3 m onths'
em ploym ent

$ 1 ,0 0 0

1,200
1,500

1,100

$ 3 ,0 0 0 1

65

Until age 65,
then reduced to
50 percen t o f
total amount in
e ffe ct o r $ 2 ,0 0 0 ,
whichever le s s e r

$1,000

60

X

Rubber W orkers (CIO)
July 1954

Until age 65*
then reduced as
fo r active e m ­
ployee

2.500
3.000
3.500
4.0 0 0

$ 2 ,5 0 0 _________________________________
$ 3 ,0 0 0 and o v e r _______________________

$2,000 __________________________

United States R ubber
Company

A ccid en t and s ic k ­
ness b en efits:
1st o f 2d month
follow ing month in
which em ploym ent
begins
Other b en efits:
1st o f 3d month
follow ing month in
which em ploym ent
begins

F lo rsh eim Shoe Company
Shoe W orkers (CIO)

1st day o f p a yroll
p eriod follow ing
1 y e a r 's s e rv ice

August 1954

Additional life insurance p rov id ed on a con trib u tory basis




Amount

If perm anently and totally disabled

Maintained
F ireston e T ire and
Rubber Company

AND

A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T

L I F E IN S U R A N C E

New em p loyees
becom e
eligib le—

H E A L T H

Paid in—

C ases
co v e re d

Graduated
a cco rd in g to—

Single
M ultiDeath d ism em ­ d ism e m ­
berm ent berm ent

N on occu - B asic h ou rly rate
pational
L ess than $ 0 .7 2 _____ $ 1 ,5 0 0 $ 750
1,000
$ 0 .7 2 to $ 0 .9 0
2 ,0 0 0
$ 0 .d 0 tn $ 1 .0 8 _____
1,250
2 ,5 0 0
3,000
1,500
$ 1 .0 8 to $ 1 .2 6
1,750
$ 1 .2 6 to $ 1 .4 4 ______
3,5 0 0
4 ,0 0 0 2 ,0 0 0
$ 1 .4 4 and o v e r

$ 1 ,5 0 0

2,000

2 .5 0 0
3.0 0 0
3 .5 0 0
4 .0 0 0

77

IN SU RAN CE

P L A N S

-

C o n tin u e d

A C C I D E N T A N D S IC K N E S S

Duratidn of benefits
C ases
co v ered

Amount

N onoccupational

Men— $35 p e r week
W omen— $27 p e r week

M en— $35 p e r week
W omen— $25 p er week

(l )

A fter
age—

26
weeks
p e r d is ­
ability

60

26
weeks
per. d is ­
a bility

60

B enefits lim ited

26 weeks during
any 12 con secu ­
tive months

Daily
benefit
or
se rv ice

A ccident

1st day

1st day

Days

8th day

Daily
amount

Maximum
room and
board
allow ance

Extra allow ance P er
or s e rv ice
year

F ull c o s t o f
s p e cifie d services

120 days

$25 p er week

13
weeks
p er d is ­
a bility

S e m iprivate
ro o m

60

13 weeks during
any 12 con secu ­
tive months

1st day

120 day8

F u ll c o s t o f
s p e cifie d service:

E m ployee and dependents

8th day
Up to $ 10

31 days

In States having tem p ora ry d isa b ility la w s, benefit reduced b y amount re ce iv e d under State la w s.
M ichigan H ospital S e rv ice (Blue C ro ss plan); em ployees in other areas co v e re d by different p ro g ra m s .
A
FRASERlso p rovid ed in con nection with s u rg e ry p erform ed in out-patient departm ent.

Digitized for


E m ergency
out-patient
care

R equired se rv ice s
provided

E m ployee and dependents 2

8th day

(3)

N onoccupational

P er
d isa ­
bility

E m ployee and dependents
S e m iprivate
room

26 weeks during
any 12 con secu ­
tive months

Extended
coverage

B enefits begin

Except
P e rio d

N onoccupational

H O S P IT A L IZ A T IO N

$310

Up to $50

R equired s e rv ice s
provided

78




S E L E C T E D

H E A L T H

AN D

79

IN S U R A N C E

P L A N S

-

C o n tin u e d

MEDICAL - Continued

MATERNITY PROVISIONS

Dependents
A llow an ce
Home O ffice

Hospi­
tal

Up to
$3 p e r
day

$3 p e r
day

E ls e ­
w h ere

M axim um
com pensation

$360 p e r disa b ility

$360 p e r d isa b ility

S urgical

H ospitalization
M axiB enefits begin M axi­
mum
mum
Other
number number p ro v isio n s
S ick­ A c c i­ visits
days
ness
paid
paid
dent
fo r
fo r
1st
day

1st
day

1st
day

1st
day

120 per
d is a ­
b ility

120 per
d isa ­
b ility

A ccid ent
and
sickn ess

R egular
benefits
fo r 6
weeks

R egular
b enefits
fo r 6
weeks

Daily
benefit D ura­
tion

Maximum
ro o m and
board
allow ance

M edical

Schedule
E xtra
allow ance Amounts
allow ance Lump
and
fo r
sum
or
norm al limitationi
s e r v ic e s
d eliv ery

E m p loyee and dependent;
If pregnancy com m ences while
insured

E m ployee and dependent

Semi-

F u ll co s t
o f s p e c i­
fie d
s e r v ic e s

14
private days
ro o m

Up to $75

E m p loyee and dependent:
H ospitalisation and surgical—a fte r 9 m onths

E m ployee and dependent
120
Sem i
p rivate days
ro o m
<l >

B enefits available to
newly insured

Up to $75

F u ll c o s t
o f s p e c i­
fie d
s e r v ic e s

Employee.
A ccid en t and sickness— i f p r e g ­
nancy com m en ces while insured

<)
l

<l )

R egular
benefits
fo r 6
weeks

E m ployee
Up to
$10

14
days

$140

Up to $ 50

E m p loyee and dependent:
Im mediately
—

Up to $50

Dependent

(*>

1 M ich ig a n H ospital S e r v ic e (B lue C ro s s plan); em ployees in other a rea s c o v e re d b y differen t p ro g ra m s .
a T otal ro o m and b o a r d allow an ce plus ch arges fo r extra s e r v ic e s lim ited to $100.




Up to d if­
fe re n ce
between
$ 100 and
total roon
and b oard
ch arges

Up to $50

—

80
S E L E C T E D

COMPANY, UNION,
AND
DATE OF INFORMATION

Dependents o f re tire d em ployee

R etired em ployee
Types and amounts
L ife insurance

Rubber W orkers (CIO)

AND

EXTENSION OF BENEFITS TO—
(must be at lea st on group rate b a s is)

OTHER B EN E FITS1

F ireston e T ire and
Rubber Company

H E A L T H

A ccidental
death and
dism em berm ent

H ospitalization

S urgical

M ed ical

L ife
insurance

H ospitali­
zation

S urgical

M ed ical

Same as fo r active
em ployee after
age 65

Same as fo r activ e
em ployee

Same as Same as
fo r activ<e|for a ctive
em ployee em ployee

Same as Same as
Same as
fo r re tire d fo r retire*c fo r re tire d
em ployee
em ployee em p loyee

R etirin g at age 65:
50 p ercen t o f total
amount in e ffe ct
im m ed ia tely p rio r
to retirem en t o r
$ 2 ,0 0 0 , whichevex
le s s e r

E m ployee only

Same as fo r active
em ployee

Same as Same as
fo r active fo r a ctiv e
em ployee em ployee

Same as
Sam e as
Sam e as
fo r r e tire d fo r retire*
: re tire d
em p loyee
em p loyee em p loyee

D iagnostic X -r a v allow ance fo r nonhospitalized
ca s e s — up to $70" p er condition

July 1954

United States R ubber
Company
Rubber W orkers (CIO)
July 1954

R etirin g p r io r to
age 65 due to
d isa b ility:
Amount o f noncon­
tribu tory in su r­
ance in e ffe ct at
retirem en t m ain­
tained until age 65,
then red uced as
stated above 2

F lo rsh eim Shoe Company
Shoe W orkers (CIO)
August 1954

1 Such benefits as X -r a y , anesthesia and e le ctro ca rd io g ra m allow an ces m ay b e p rov id ed under som e p lan s, although not liste d h e re .

E XPLAN
 ATO RY NOTES.
2 E m p loyees retirin g


R eason s fo r not listin g such benefits a re set forth in

due to d isability m ay continue on e -h a lf o f con tributory insurance in e x c e ss o f $500 at sam e prem ium rate as fo r a ctiv e e m p lo y e e s.

81

IN SU R A N C E

P L A N S

-

C o n tin u e d

FINANCING
B enefits fo r
em ployee

B enefits fo r e m p lo y e e 's
dependents

B enefits fo r retired
em ployee

B enefits fo r dependents
o f retired em ployee

Amount o f contribution fo r—
B enefits fo r em ployee and dependents

Company
Jointly
only

only

Jointly

X

X

only

E m ployee

Company

B enefits fo r retired em ployee
and dependents
E m ployee

Company

X

(l )

X

F ull co s t

H ospitalization, s u rg ic a l, and m ed ical:
F u ll c o s t

L ife insurance:
F ull c o s t

X

X

X

E m ployee Company
E m ployee Company
Jointly
Jointly
only
only
only
only

X

F u ll c o s t

H ospitalization, s u rgical and m ed ica l:
F u ll co s t

L ife insurance:
F ull co s t

(l )

(*)

X

*

X

B enefits f o r em ployee only o r
B alance o f co s t
em ployee and one dependent— $ 0 .9 8
p e r month; fo r em ployee and m o re
than one dependent— $ 1 .9 6

$ 1 ,0 0 0 additional life insurance available to em ployee at c o s t o f 60 cents p e r month.
E m ployee retirin g due to d isa b ility m ay continue on e-h alf o f contributory insurance in e x ce ss o f $500 at sam e p rem ium rate as f o r activ e em p loy ee.




82
S E L E C T E D

ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

Amount

If perm anently and totally disabled
Amount
B efore
age—

Insurance is—
Maintained

$500
Luggage and leath er goods A fter 90 d a y s'
industry, various
union m em bership
em p loyers
and co v e re d
em ploym ent
Handbag, Luggage, B elt
and N ovelty W orkers
(AFL)
National plan

60

Graduated
a cco rd in g to—

Paid in—

X

65
and with
m ore
than 10
years'
s e rv ice

C a se s
co v e re d

X

O ctober 1954

International Shoe
Company

A fter 3 m onths'
em ploym ent

$ 2 ,0 0 0

Shoe W orkers (CIO)
August 1954

F o r p eriod equal
65
and with to amount o f
s e rv ice
le ss
than 10
years'
s e r v ic e
M assachusetts L eath er
M anu factu rers'
A ssocia tion

1st o f month fo l ­
lowing 1 m on th 's
em ploym ent

$ 1,0 00

60

A fter 3 m onths'
em ploym ent

$ 1 ,0 0 0 1

60

X

F u r and Leather W orkers
(Ind.)
July 1954

Minnesota Mining and
M anufacturing Company

Lump sum

G a s, Coke and C hem ical
W orkers (CIO)
August 1954

1 A ls o , a sp ecia l death benefit is paid to the dependent b en e ficia ry but not n e c e s s a r ily on a ll deaths; additional insurance is provided on a con trib u tory b a s is .




AND

A CCIDEN TAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

New em p loyees
becom e
eligible- —

H E A L T H

M ulti­
Single
Death d ism em ­ d ism e m ­
berm ent berm ent

83
INSURANCE

PLANS

- Continued

ACCIDENT AND SICKNESS

Duratidn of benefits
C ases
c o v e re d

Amount

N onoccupational

N on occu p a tional

N onoccupational

$ 18. 50 p er week

M en— $25 p e r week
W omen— $ 15 p er week

$ 18 p e r w eek

A fter
age—

A ccident

13
weeks
p e r d is ­
a bility

1st day

13
weeks
p er d is ­
ability

1st day

W eekly 13
benefit weeks
p e r d is ­
L e s s than $ 1 ,8 0 0 ____$15
ability
$ 1 ,8 0 0 to $ 2 ,2 0 0 ____ 20
$ 2 ,2 0 0 to $ 2 ,6 0 0 ____ 25
$ 2 ,6 0 0 to $ 3 ,0 0 0 ____ 30
$ 3 ,0 0 0 to $ 3 ,8 0 0 ____ 35
$ 3 ,8 0 0 and o v e r _____
40

60

13 weeks p er
year

1st day

1 Includes X -r a y ch a rg es in cu rre d in d o c t o r ' s o ffice because o f an accid en t.

Days

Daily
amount

Maximum
room and
board
allow ance

Extra allow ance P e r
o r se rv ice
year

P er
d isa ­
bility

E m ergency
out-patient
care

Employese only
$232. 50

31 days

8th day

Up to $37. 50

X

E m ployee and dependents
$248

31 days

Up to $160 1

X

Up to $160

X

R equired se rv ice s
provided

X

R equired se rv ice s
provided

E m ployee and dependents

8th day
Up to $12

13 weeks during 4th day
any 12 con secu ­
tive months

Duration

8th day

Up to $8

60




Sickness

Daily
benefit
or
se rv ice

$ 7 .5 0

13
weeks
p er d is ­
ability

T otal annual
earnings

Benefits lim ited

Extended
covera ge

B enefits begin

Except
P eriod

N onoccup ational

HOSPITALIZATION

60 days

60

Up to $6

$1,0 80

F u ll co s t o f
sp e cifie d
s e rv ice s

Einployee and dependents

4th day
Up to $10

70 days

$700

F u ll co s t o f
s e rv ice s

84

S E L E C T E D

SURGICAL

COMPANY, UNION,
AND
DATE OF INFORMATION

Luggage and leather
goods industry, various
em ployers
Handbag, Luggage, Belt
and Novelty W orkers
(AFL)
National plan
O ctober 1954

International Shoe
Company
Shoe W orkers (CIO)

Up to schedule
allow ance
accep ted as full
payment if annual
incom e is under—

AND

M EDICAL

Operation schedule—
selected allow ances

Em ployee

H E A LT H

Dependents

E m ployee
C overs
ca se s
in—

Up to schedule
allow ance
accepted as full
payment if annual
incom e is u n d e r -

B enefits begin

Allow ance
Horne

O ffice

H ospi­
tal

E ls e ­
where

M axim um
com pensation

Sickness i

M axiM aximum
mum
number number
v isits
days
paid
paid
fo r
fo r

H ospital,
o ffic e , hom e,
elsew here

Maximum
schedule
allow ance

$200

T on sillectom y
Up to $30
Appendectom y
Up to $ 100

M axim um schedule allow ance H ospital,
$200
o ffic e , hom e,
elsew here
_______ T on sillectom y
Up to $30
Up to $30

$3 fo r
each
day of
confine'
ment

J200

$93 p e r disa b ility

1st day

1st day

31 p er
d isa ­
b ility

$65 p e r disa b ility

1st day

1st day

21 p er
d isa ­
bility

1st day

1st day

70 p er
d isa ­
bility

August 1954
Appendec tom y
Up to $ 100
Up to $100

M assachusetts Leather
M anufacturers *
A ssocia tion
Fur and Leather W orkers
(Ind.)
July 1954

Individual c o v e r ­ M axim um schedule allow ance H ospital,
TT50
T$T50
a ge, $ 2 ,0 0 0 ;
o ffic e , home
fa m ily o f 2,
elsew here
$ 2 , 500; fa m ily
T on s illec tom y
o f 3 o r m o re ,
Up to $35
Under age 13,
$ 3 ,0 0 0
up to $25;
o v e r age 13,
up to $35
(2)
A ppendectom y
Up to $ T ? r|U pto $75

(2)

Minnesota Mining and
Manufacturing Company
G as, Coke and C hem ical
W orkers (CIO)
August 1954

(*)

Individual c o v e r ­
age, $ 2 ,0 0 0 ;
fa m ily o f 2,
$ 2 ,5 0 0 ; fam ily
o f 3 o r m o re ,

$3,000

(2)

1st day,
up to
$5;
th ere­
a fter,
up to
$3 per
day

(2)

(2)

(2)

M axim um schedule allow ance H ospital,
$200
w
o ffic e , hom e,
elsew here
T on sillectom y
Up to $30
Up to $30

$3 fo r
each
day o f
con fin e­
ment

$210 p e r d isa b ility

Append ectom y
Up to $100
Up to $ 100

1 If su rg ica l operation p erform ed , allow ance is grea te r o f (a) $3 fo r each day o f hospital confinem ent up to day o f operatipn; o r (b) $3 fo r each day o f con fin em en t minus su rg ica l operation
allow ance.
2 M ore lib era l benefits a re available to em ployees paying the additional co s t.




85

IN SU RAN CE

P L A N S

-

C o n tin u e d

MEDICAL - Continued

MATERNITY PROVISIONS

Dependents

H ospi­ E ls e ­
Home O ffice
tal
w here

Maxim um
com pensation

Sick­
ness

A ccident
and
sickness

R egular
benefits
fo r 6
weeks

$3 for
each
day o f
co n ­
fin e­
ment

$ 93 p er disa b ility

Surgical

H ospitalization
Maxi­ M axi­
mum
mum
Other
number number p rov ision s
A c c i­ visits
days
paid
dent
paid
fo r
fo r

B enefits begin

1st day lstd a y

Daily
benefit D ura­
or
tion
s e rv ice

Maximum
room and
board
allow ance

14
days

31 per
d isa ­
bility

$105

B enefits available to
newly insured

E m ployee only:
Im m ediately

E m ployee only
$ 7 .5 0

M edical

Schedule
E xtra
allow ance Amounts
allow ance Luirp
and
fo r
sum
or
norm al lim itations
s e rv ice s
d elivery

Up to
$ 37 .50

E m ployee and dependent

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

i>100 m aternity allow ance

(‘ )

ls t d a y
up to

$5;

th ere­
after,
up to
$3 p er
day

$65 p er disa b ility

1st day lstd a y

(2)

21 p er
d isa ­
bility

R egular
benefits
fo r 6
weeks

Up to Up to $50 A llow ance
E m p loyee:
$70
o f up to
A ccid en t and sickness— if p re g ­
$ 15 p r o ­
nancy com m ences while insured
vided fo r
prenatal
X -r a y in
d octor' s
o ffice ;
allow ance
fo r p ed ia­
tricians
ca re o f
premature
infant
weighing
le s s than
4 Va
pounds

(2)

$3 fo r
each
day of
con ­
fin e ­
m ent

$210 p e r disability

ls td a y ls td a y

70 p e r
d isa ­
b ility

R egular
benefits
fo r 6
weeks

E m ployee and dependent:
H ospitalization and s u r g ic a lafter 12 months

E m ployee and dependent

E m ployee and dependent
Up to

$10

10
days

$100

F u ll c o s t
of serv­
ic e s

Up to $50

E m ployee and dependent:
H ospitalization and surgical— if
pregnancy com m ences while
insured
E m ployee:
A ccid en t and sickness—
im m ediately

1 If su rg ical op era tion p e rfo rm e d , allow ance is greater o f (a) $3 f o r each day o f hospital confinem ent up to day o f operation ; o r (b) $3 fo r each day o f confinem ent minus su rg ical operation
allow an ce.
2 M ore lib e r a l b enefits a re available to em ployees paying the additional co st.




86

SELECTED

HEALTH

AND

EXTENSION OF BENEFITS TO —
(must be at lea st on group rate b a s is)

OTHER B EN EFITS1
COMPANY, UNION,
AND
DATE OF INFORMATION

Dependents o f re tire d em ployee

R etired em ployee
Types and amounts
L ife insurance

A ccidental
death and
dism em oerm ent

Hospitalization

S urgical

M ed ica l

L ife
insurance

H ospitali­
zation

S u rgical

M edical

Luggage and leather
goods industry, various
em ployers
Handbag, Luggage, B elt
and N ovelty W orkers
(AFL)
National plan
O ctober 1954

International Shoe
Company
Shoe W orkers (CIO)
August 1954

M assachusetts-Leather
M anu factu rers'
A ssocia tion

E m ployee and dependents

X -r a y therapy allow ance fo r ca s e s in o r out o f
F ur and Leather W orkers hospital if used in lieu of su rg ery— up to $ 125
(Ind.)
X -r a y allow ances fo r c a s e s in o r out o f hospital—
July 1954
up to $ 15 2
A nesthesia allow ance fo r ca s e s in o r out o f
hospital— up to $25

Minnesota Mining and
Manufacturing Company

E m ployee and dependents

G a s, Coke and C hem ical
W orkers (CIO)

P olio allow ance— 75 p ercen t o f expen ses in cu rre d
within 3 yea rs a fter diagnosis and after b a s ic plan
b enefits have been exhausted. Com bined m aximum
payable under b a s ic plan and this benefit— $ 5 ,0 0 0

August 1954

•

1
Such benefits as X -r a y , anesthesia and e le ctro ca rd io g ra m allow ances m ay be p rovid ed under som e p lan s, although not listed h e re .
EXPLAN ATO RY NOTES.
* M ore lib e r a l benefits a re available to em p loyees paying the additional co s t .




R eason s f o r not listing such benefits a re set forth in

87
INSURANCE

PLANS

- Continued

FINANCING
B enefits fo r
em ployee
Company
Jointly
only

B en efits fo r e m p lo y e e 's
dependents

B enefits fo r retired
em ployee

B enefits fo r dependents
o f re tire d em ployee

Amount o f contribution fo r—
B enefits fo r em ployee and dependents

E m ployee Company
Company
Em ployee Company
Em ployee
Jointly
Jointly
Jointly
only
only
only
only
only
only

E m ployee

Company
F u ll co s t

X

X

X

E m p lo y e e ' s benefits:
L ife insurance— $ 6 .8 0 p e r month
Dependents' benefits:
$ 3 .2 5 p e r month

E m p lo y e e 's benefits:
L ife insurance—
balance o f co s t
Other b enefits— full
co s t
Dependents 'b e n e fits:
B alance o f c o s t

X

X

(l )

(l )

F u ll c o s t— 2 .5 p e r ­
cen t o f w eekly
p a y ro ll
(l )

X

X

(a)

* E m p loy ees m ay s e cu re m o re lib e r a l m ed ical and su rg ical benefits b y paying the additional co s t.
E m p loyee c o v e re d by additional life insurance contributes towards its co s t.




F u ll c o s t 2

B enefits fo r retired em ployee
and dependents
E m ployee

Company

88

SELECTED
ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

Im m ediately o r
1st o f follow ing
month

G lass Bottle B low ers
(AFL)
August 1954

Pittsburgh Plate G lass
Company
G la ss, C era m ic, and
S ilica Sand W orkers
(CIO)

Amount

If perm anently and totally disabled
Amount
B e fo re
age—

Annual b asic wage
L akh than $ 1,500
$ 1 1 500 to $ l ' 741
$1,7 41 to $ 2,0 00
$ 2 ,0 00 to $ 2 , 500
$2 , 500 to $ 3,0 00
$ 3 ,0 0 0 to $ 4,0 00
$ 4 ,0 0 0 to $ 5 ,0 0 0
$ 5 ,0 0 0 to $ 7, 500
$ 7 . 500 and o v e r

_ ____

____
___

. ____
___
_

A fter 90 d a ys'
em ploym ent

65

Installments
o r lump sum
(optional)

_
_

Installments

_
_

___

....

___

___

60

X

—

—

—

—

—

—

60

—

Installments

N on occu - Annual b a s ic wage
pational;
o ccu p a ­
L e s s than $ 1,500 ---- $ 1 ,5 00 $ 750 $ 1,500
1,000
2,0 0 0
$ 1,500 to $ 1 ,7 4 1 ___ 2,0 0 0
tional
1,250$ 1 ,7 4 1 to $ 2 ,0 0 0 ___ 2,5 0 0
2 ,5 0 0
1,500
$ 2 ,0 0 0 to $ 2 ,5 0 0 ___ 3 ,000
3,000
1,750
3,5 0 0
$ 2 ,5 0 0 to $ 3 ,0 0 0 ___ 3,500
4,0 0 0
$ 3 ,0 0 0 to $ 4 ,0 0 0 ___ 4,000 2,0 0 0
5,000
$ 4 ,0 0 0 to $ 5 ,0 0 0 ___ 5,000 2,500
7,500
$ 5 ,0 0 0 to $ 7 , 500 ___ 7,500 3 ,7 5 0
10,000
$ 7 , 500 and o v e r_ «—_ 10,000 5,000

Other benefits:
A fter 1 m on th 's
em ploym ent

Aluminum Company o f
A m erica

Paid in—

Single
M ultiDeath d ism em ­ d ism em ­
berm ent berm ent

—

$ 1,500
2,000
2,500
3,000
3,500
4,000
5,000
7,500
10.000

$ 2 , 000 1
L ife in surance,
accident and sick<
n ess benefits:
A fter 6 m onths'
em ploym ent

O ctober 1954

Graduated
a cco rd in g to-

60

Insurance
___
. _
____
_
_____ ___
....
___ .
.
.

C ases
co v e re d

Insurance is—
Maintained

O w ens-Illinois G lass
Company

AND

A CCIDEN TAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

New em p loyees
b ecom e
eligib le—

HEALTH

$ 3 ,5 0 0

Aluminum W orkers (A F L );
Steelw orkers (CIO)
Novem ber 1954

Chase B ra ss and Copper
Company

L ife insurance:
1st o f month f o l ­
lowing 6 m onths'
Autom obile W orkers (CIO) em ploym ent
August 1954

A ccid en t and sick n ess benefits:
A fter 90 d a y s'
em ploym ent

B a sic annual wage

$ 1 ,0 0 0
L e s s than $ 1 ,2 0 0
_... _______
1,500
$ 1 ,2 0 0 to $ 1 ,8 0 0
_ _ _______________
2,000
$ 1 ,8 0 0 to $ 2 ,4 0 0
3,000
$ 2 ,4 0 0 to $ 4,0 00
8 4 .0 0 0 to 8 5 .0 0 0
4 000
$ 5 ,0 0 0 and o v er— Amount equal to annual wage taken to
next higher m ultiple o f $100

Other benefits:
A fter 60 d a y s'
em ploym ent
Additional life insurance is provided at the e m p lo y e e 's expense,




Insurance

and in ­
sured
fo r 1
yea r

N on occu pational

___

$ 2 ,0 0 0 $ 1 ,0 0 0

$ 2 ,0 0 0

89
INSURANCE

PLANS

- Continued

ACCIDENT AND SICKNESS

HOSPITALIZATION

Duratidn o f benefits
C ases
co v e re d

Except

Amount
P eriod

N onoccup ational

W eekly 26
benefit weeks
p er d is ­
L e s s than $ 1 ,5 0 0 ----- $ 1 5 .0 0 ability
$ 1 ,5 0 0 to $ 1 ,7 4 1 ___ 16.50
$ 1 ,7 4 1 to $ 2 ,0 0 0 ___ 19.50
$ 2 ,0 0 0 to $ 2 ,5 0 0 ___ . 2 2.0 0
$ 2 ,5 0 0 to $ 3 ,0 0 0 ___ 2 7.5 0
$ 3 ,0 0 0 to $ 4 ,0 0 0 ___ 33.0 0
$ 4 ,0 0 0 and o v e r ____
4 4.0 0

Annual b a s ic
wage

O ccupational
accid en ts
only

$30 p er week

B enefits lim ited

__

__

N onoccupational

$40 p e r w eek

—

26
weeks
p e r d is ­
a bility

—

$28 p e r week

—

26
w eeks
p e r d is ­
a bility

Days

amount

E xtra allow ance P e r
o r se rv ice
year

P er
d isa ­
bility

$310

31 days

X

Up to $200

X

Up to $200

8th day

R equired s e rv ice s
provided

X

Up to $130

X

Up to $200

E m ployee and dependents 1

8th day

—

1st day

When
W ork­
m en’ s
Com pen­
sation
benefit is
payable

—

90

50 p ercen t
of cost of
s e m i­
private
ro o m

8th day ox
1st in
hospital
120 days

8th day

—

$ 1 ,5 6 0

Up to $ 130

—

When
W ork­
men* s
C om pen­
sation is
ben efit is
payable

1st day

F ull c o s t o f
s p e cifie d s e r v ­
ic e s f o r 1st 21
days; 50 p ercen t
o f ch arges fo r
additional 90 days

E m ployee and dependents
........L ____
$13

—

21 days

E m ployee and dependents
Up to $ 12

31 days

$372

Up to $200

1 H ospital S e rv ice A ss o cia tio n o f P ittsburgh, Pennsylvania (Blue C ro ss plan) fo r C reighton, Pennsylvania plan; em p loyees in other plants co v e re d b y differen t p ro g ra m s .




E m ergency
out-patient

E m ployee and dependents

4th day

S em i­
private
room

26
D ifferen ce betw een W ork­
men* s Com pensation b en efit weeks
p e r d is ­
and above amount
ability

N onoccupational

1st day

Sickness

Maximum
room and
board
allow ance

Duration

1st day

26
weeks
p e r d is ­
ability

Occupational

A ccident

Daily
benefit
or
se rv ice

Up to $ 10

F ir s t w eek, sam e as above; 13
next 12 w eek s, 50 p ercen t o f weeks
above amount
p e r d is ­
ability

N onoccupational

A fter
age—

Extended
coverage

B enefits begin

90




SELECTED

HEALTH

AND

91
INSURANCE

PLANS

- Continued

MEDICAL - Continued

MATERNITY PROVISIONS

Dependents
Allowance
Else­
Home Office Hospi­ where
tal
$5 for
each
day of
con­
fine ment

Maximum
compensation

$155 per disability

Surgical Medical

Hospitalization
Benefits begin Maxi­ Maxi­
Accident
mum mum
Other
and
number number provisions
sickness
Sick­ Acci­ visits days
ness
dent paid
paid
for
for
1 st day

Istday

_

31 per
disability

Schedule
Extra
Maximum
Daily
allowance Amounts
benefit Dura­ room and allowance Lump
for
and
or
sum normal limitations
board
tion
or
allowance services
service
delivery

Employee and dependent:
After 9 months

Employee and dependent

Regular
benefits
for 6
weeks

Benefits available to
newly insured

Up to Up to
$100
$50
<)
l

__

__

1 st day,
up to
$10;
2 d day,
up to
$5;
there­
after,
up to
$3 per
day2

__

__

__

__

$219 per disability
(2)

1 st

day 1 stday

(*)

__

(2>

70 per 1 indisa­ hospital
bility bedside
consulta­
(*) tion per
disability,
up to $10

Regular
benefits
for 6
weeks

Employee and dependent2!
Full cost
of speci­
fied
services

Semi­ 1 0
private days
room

Employee {and dependent:
After 1 year
Up to
$60

(a)

(*)
__

__

__

__

__

__

Regular
benefits
for 6
weeks

Employee
$13

14
days

$182

Up to
$130

—

Up to
$75

Employee and dependent:
If pregnancy commences while
insured
—

Dependent
$13

__

—

$3 for
each
day of
con­
fine­
ment

—
— $150 per disability

1 For nonhospitalized maternity cases

1 st day

Istday

_

__

_

_

(3)

Up to
$75

Up to dif­
ference
between
total room
and board
charges
and $130

Employee and dependent
Up to Up to
$60
$100

Employee and dependent:
If pregnancy commences while
insured

$60 is provided in lieu of hospital benefit.
* Medical Service Association of Pennsylvania and Hospital Service Association of Pittsburgh (Blue Shield and Blue Cross plans) for Creighton, Pennsylvania plant employees; employees in other
plants are covered by different programs.
3
 Total room and board charges plus charges for extra services limited to $130.



92
SELECTED

HEALTH

AND

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

OTHER BENEFITS 1
COMPANY, UNION,
AND
DATE OF INFORMATION

Dependents of retired employee

Retired employee
Types and amounts
Life insurance

Accidental
death and
di smemoerment

Hospitalization

Surgical

Medical

Life
insurance

Hospitali­
zation

Surgical

Medical

Owens-Illinois Glass
Company
Glass Bottle Blowers
(AFL)
August 1954

Pittsburgh Plate Glass
Company
Glass, Ceramic and
Silica Sand Workers
(CIO)

Employee and dependents

$2,000

X-ray allowance for nonstfrgical cases in or out of
hospital—-$ 5 per treatment, maximum allowance
ranging from $50 to $200 per condition2

Same as for active Same as Same as
for activ<
active
employee 3
employee employee

Same as
Same as Same as
for retired for retired|for retired
employee 3 employee employee 3

(3)

October 1954

Aluminum Company of
America

$1,500

Aluminum Workers
(AFL);
Steelworkers (CIO)
November 1954

Chase Brass and Copper
Company
Automobile Workers
(CIO)
August 1954

30 percent of
amount in effect
immediately prior
to retirement or
$1,000, whichever
greater

Same as for active
employee

Same as Same as
for activ<
.active
employee employee

Same as
Same as Same as
for retired for retire4f< depend­
'or
employee employee ents of
active
employee

1 Such benefits as X-ray, anesthesia and electrocardiogram allowances may be provided under some plans, although not listed here. Reasons for not listing such benefits are set forth in
EXPLANATORY NOTES.
Medical Service Association of Pennsylvania (Blue Shield plan) for Creighton, Pennsylvania plant employees; employees in other plants covered by different programs.

3 Extension of these benefits to retired employee and his dependents provided for at all except one plant.


93

INSURANCE

PLANS

- Continued

FINANCING
Benefits for
employee

Benefits for employee's
dependents

Benefits for retired
employee

Benefits for dependents
of retired employee

Company Jointly Company Jointly Employee Company Jointly Employee Company Jointly Employee
only
only
only
only
only
only
only
X

X

Amount of contribution for-—
Benefits for employee and dependents
Company

Employee
Employee's benefits:
Annual basic
wage

Monthly
contribution

Benefits for retired employee
and dependents
Employee

Company

Balance of cost

$1.50
Less than $1,500 ____
$1,500 to $1,741____ 2.10
2.50
$1,741 to $2,000 ____
$2,000 to $2, 500 ____
2. 90
$2,500 to $3,000 ____ 3.60
$3,000 to $4,000 ____
4.35
$4,000 to $5,000 ____ 6.55
$5,000 to $7,500 ____
8.42
_
10.30
$7,500 and over
Dependents' benefits:
One dependent, $1.25 per month;
more than 1 dependent, $2.00

X

X

X

X

f

X

X

X

X

X

Hospitalization, surgical, and
medical:
Balance of cost

Life insurance:
Life insurance and
accident and sickness $0. 60 monthly per
$1,000 of insurance
benefits:
Full c o s t1
Other benefits:
Other benefits:
Full cost
Benefits for employee
only, $3 per month;
for employee and
dependents, $6

Employee's benefits:
Dependents' benefits:
Full cost-—
child or children only,
Full cost
$1.25 weekly; wife only or wife and
children, $1.70

X

X

Life insurance:
$0 . 6 0 pier month per $ 1,000 of
insurance in excess of $2,000

Hospitalization, surLife insurance:
gical and medical:
Full cost of 1st
$2,000 of insurance; Full cost
balance of cost of
additional insurance
Other benefits:
Full cost

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



Life insurance:
Balance o l cost

Full cost

Life insurance:
t v l l cost

94
SELECTED

ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

Amount
Before

Bethlehem Steel Company Immediately or
1 st of following
month

December 1954

Weirton Steel Company

March 1955




Life insurance:
Immediately or
1 st of following
month

Standard hourly base rate

Insurance

60

$3,000
3.500
4.000
4.500
5.000
5, 500

Less than $ 1.73 __________
$1.73 to $2.06___________
$2.06 to $2.39___________
$2.39 to $2.78___________
$2.78 to $3.11___________
$3.11 and over___________

Cases
covere<

Insurance ii
Maintained

Independent Steelworkers
Union (ind.)

Amount

If permanently and totally disabled

Steelworkers (CIO)

Paid in

60
Insurance

—

Installments

Other benefits:
Less than $1,500.01________________________ $1,500
1st of 3d month
_____
_
2,000
following month of $1,500.01 to $2,000.01
$2,000.01 to $2,500.01 ____________________
2,500
employment
$2,500.01 to $3,000.01 ____________________
3,000
$3,000.01 to $3,500.01 . ____
3,500
$3,500.01 to $4,000.01 _
_
_
4,000
$4,000.01 to $4,500.01 ______ ______________
4,500
$4,500.01 to $5,000.01 ____________________
5,000
$5,000.01 to $6,000.01 _
_
______
6,000
and up
Employee1s wife

$1,000

—
Employee *s children

Age
14 days to 6 months___ _____________________
6 months to 2 yea rs_________________________
2 years to 3 years__________________________
3 years to 4 years____ __ _________________
_
4 years to 5 years__________________________
5 years to 21 years__________________________

Insurance
$ 50
100
200
300
400
500

Graduated
according to—

Multi­
Single
Death dismem­ dismem­
berment berment

Until age 65,
thereafter 30
percent of amouit
in effect or
$1,250, whichever greater

Employee
Annual earnings
(exclusive of bonus)

AND

ACCIDENTAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

New employees
become
eligible- —

HEALTH

—

—

Nonoccupational;
occu­
pa­
tional

Annual earnings
[exclusive of bonus)
Less than $1,500.0L—- $1,500$ 750
$1,500.01 to $2,000.01 2,000 1,000
$2,000.01 to $2,500.01 2, 500 1.250
$2,500.01 to $3,000.01 3.000 1.500
$3,000.01 to $3,500.01 3.500 1,750
$3,500.01 to $4,000.01 4.000 2,000
$4,000.01 to $4,500.01 4.500 2.250
$4,500.01 to $5,000.01 5.000 2.500
$5,000.01 to $6,000.01 6.000 3,000
and up

$1,500

2,000

2, 500
3.000
3,500
4.000
4, 500
5.000

6.000

95
I N S UR AN CE

PLANS

- Continued

ACCIDENT AND 6ICKNESS

HOSPITALIZATION

Duratidn of benefit?
Cases
covered

Except
Benefits limited
to-—

Nonoccupational

Benefits begin

$40 per week

26

day

Annual earnings
Weekly 26
(exclusive of bonus) benefit weeks
per dis­
Less than $3,500.01 $35 ability
$3,500.01 to
$4,500.01_________
$4,500.01 to
$6,000.01________
49
$6,000.01 and over
56

26
Occupational Difference between Work­
men' s Compensation benefit weeks
accidents
and above amount
per dis­
only
ability




60

Duration
Days

8 th

26 weeks during 8 th day
any 12 consecu­ retro­
tive months
active to
1 st after
2 1 days
of disa­
bility

8 th day
retro­
active to
1 st after
2 1 days
of disa­
bility

Daily
amount

Maximum
room and
board
allowance

Extra allowance Per
or service
year

Per
disa­
bility

Emergency
out-patient
care

Employee and dependents

day
Semi­
private
room

Occupational Difference between Work­
men1s Compensation benefit
and above amount

Nonoccupational

Extended
coverage

Accident

1 st

weeks
per dis­
ability

Daily
benefit

8 th day
retro­
active to
1 st after Up to $12
2 1 days
of disa­
bility

120

Full cost of
specified
services

days

Required services
provided

Employee and dependents
90

days

$1,080

Up to $225

Up to $225

96
SELECTED

SURGICAL
COMPANY, UNION,
AND
DATE OF INFORMATION

Bethlehem Steel Company
Steelworkers (CIO)
December 1954

Up to schedule
allowance
accepted as full
payment if annual
income is under—

Employee
C o v e rs

cases

Dependents

Maximum schedule allowance Hospital,
*250
$200
office, home,
elsewhere
Tonsillectomy
Up to $40
Up to $40
Appende c tomy

Weirton Steel Company
Independent Steelworkers
Union (Ind.)
March 1955




Maximum schedule allowance Hospital,
*225------- ---------------------------- office, home,
jzzr
elsewhere
Honaille"
ctomy
Up to $40
Up to $40
Appendei
ctomy
tJp'to *125---- "Up to $125

AND

MEDICAL

Operation schedule—
selected allowances
Employee

HEALTH

Up to schedule
allowance
accepted as full
payment if annual
income is under—

Office

Hospi­
tal

Maxi-" Maximum
mum
number number
days
visits
Sickness Accident paid
paid
for
for
Benefits begin

Allowance
Else­
where

Maximum
compensation

97
INSURANCE

PLANS

- Continued

MEDICAL - Continued

MATERNITY PROVISIONS

Dependents
A llow an ce
H ospi­ E ls e ­
Home O ffice
tal
w here




M axim um
com pensation

S urgical

Ho spitalization
B enefits begin Maxi­ M axi­
mum
mum
Other
number number p rov ision s
S ick- A c c i- visits
days
ness
dent
paid
paid
for
fo r

A ccident
and
sickness

R egular
benefits
fo r 6
weeks

R egular
benefits
fo r 6
weeks

Daily
benefit Dura­
or
tion
s e rv ice

Maximum
room and
board
allow ance

Schedule
E xtra
allow ance Amounts
allow ance Lump
and
for
or
sum
norm al lim itations
s e rv ice s
deliv ery

E m ployee and dependent
S e m i- 10
private days
ro o m

$2
1

14
days

Up to $60

F ull co s t
o f s p e c i­
fie d s e r v ‘
ice s

$ 168

Up to
$225

B enefits available to
newly insured

E m ployee and dependent:
H ospitalization and s u r g i c a l a fter 9 months
E m ployee:
A ccid ent and sickness— i f p re g ­
nancy com m en ces while insured

E m ployee and dependent
Up to

M edical

....

Up to $75

E m ployee and dependent:
1 st o f 8th month following month
o f em ploym ent o r month o f
reporting dependent

98
SELECTED

COMPANY, UNION,
AND
DATE OF INFORMATION
L ife insurance

D ecem ber 1954

Dependents o f re tire d em ployee

R etired em ployee
T ypes and amounts

Bethlehem S teel Company

AND

EXTENSION OF BENEFITS TO—
(must be at lea st on group rate b a s is )

OTHER BENEFITS1

S teelw orkers (CIO)

HEALTH

A ccid ental
death and
di sm em oer ment

H ospitalization

S urgical

M ed ical

L ife
insurance

H ospitali­
zation

S u rgical

M ed ica l

R etirin g at age 65:
30 p ercen t o f
amount in e ffe ct
im m ed iately p rio r
to retirem en t o r
$ 1 ,2 5 0 , whichever
g reater
R etirin g p rio r to
age 65:
Amount in e ffe ct
at retirem en t
m aintained until
age 65; thereafter
30 p ercen t o f
amount o r $ 1 ,2 5 0 ,
w h ichever greater

W eirton Steel Company
Independent S teelw orkers
Union (In d .) '
M arch 1955

1

R etirin g a fter age
60 with 15 yea rs
s e r v ic e :
TT7Z3T*

R etiring at norm al
retirem ent age:
R oom and board
allow ance o f $ 7 .5 0
p e r day fo r 45 days
and allowance fo r
e xtra s e rv ice s o f
up to $75 p er year

R etiring
at norm al
r e t ir e ment age:
Same as
fo r active
em ployee

Such benefits as X -r a y , anesthesia and e le ctro ca rd io g ra m allow ances m ay be p rovid ed under som e p lan s, although not liste d here* R eason s f o r not listin g such benefits a re se t fo rth in
EXPLAN ATO RY NOTES.
m ay continue total amount o f insurance (up to $ 30 ,00 0 ) in e ffe ct im m ed iately p r io r to retirem ent by contributing tow ards its c o s t .

 etired em p loyees
a R


99
I N S UR AN CE

PLANS

- Continued

FINANCING
B enefits fo r
em ployee

B enefits fo r e m p lo y e e 's
dependents

B enefits fo r retired
em ployee

B enefits fo r dependents
o f re tire d em ployee

Amount o f contribution fo r —
B enefits fo r em ployee and dependents

only

__

Jointly

X

only

__

Jointly

X

only

only

_
_

__

Jointly

X
(l )

only

only

__

__

Jointly

__

only

__

Standard
hou rly
base
rate

Monthly contribution $ 0 ,0 4 5 p er hour
With w orked b y p a r tic i­
No
depend* pating em ployee
depend*
ents
ents

L e s s than $ 1 .7 3 $ 6 .2 5
$ 1 .7 3 to $ 2 .0 6 __ 6 .5 5
$ 2 .0 6 to $ 2 .3 9 — 6 .8 5
$ 2 .3 9 to $ 2 .7 8 — 7 .1 5
$ 2 .7 8 to $ 3 .1 1 — 7 .4 5
$3.. 11 and o v e r __ 7. 75

X

X

X

Company

E m ployee

B enefits fo r retired em ployee
and dependents
E m ployee

Company

(l )

(l )

$ 7 .5 0
7 .80
8 .1 0

8 .40
8 .70
9 .0 0

40 p ercen t o f c o s t

60 p ercen t o f c o s t

H ospitalization and
su rg ical:
$ 1 .0 0 p er month

L ife insurance:
Full c o s t *
Other benefits:
$ 1.50 per month

Financed b y a ctiv e em p loyee and com pany contributions; see contribution colum ns fo r benefits fo r em ployee and dependents.
E m p loyees continuing total amount o f insurance in effect p r io r to retirem ent con tributes the sam e amount as an active em p loyee.




100

SELECTED
ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

Amount

If perm anently and totally disabled
Amount
B efore
age—

Insurance is—
Maintained

United States Steel
Corporation

Im m ediately o r
1 st o f follow ing
month

Steelw orkers (CIO)

60

Standard hourly wage
s ca le rate earnings

Insurance

L e s s than $ 1 . 7 3 ............................................................
$ 1 .7 3 to $ 2 .0 6 .................................................. .....
_
__ __ __
___
______
$ 2 .0 6 to $ 2 .3 9
$ 2 .3 9 to $ 2 .7 8
____
_ _
_ ____
$ 2 .7 8 to $ 3 .1 1
_______ _ _
_____________
$ 3 .1 1 and o v er __ __ „ ____ __
__
___ _

D ecem ber 1954

AND

A CCIDEN TAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

New em ployees
b ecom e
eligible- —

HEALTH

C ases
co v e re d

Paid in—

Graduated
a cco rd in g to—

Single
M ultiDeath d ism e m ­ d ism em ­
berm ent berm ent

Until age 65,
thereafter
$ 1 ,2 5 0

$ 3,0 00
3,500
4,000
4,500
5,000
5,500

(l )

A m erican Can Company

A fter 3 m onths1
em ploym ent

Men, b efore age 65; wom en, b e fo re age 60:

Steelw orkers (CIO)

B ase w eekly earnings

D ecem ber 1954

L e s s than $30 .00 _ „
_ ...........................
..
..
$ 3 0 .0 0 to $ 4 0 ,0 0 . ..
$ 40 .00 to $ 4 6 .0 0 ........................ _ ...................
$ 4 6 .0 0 to $ 5 2 .0 0 . ____ __ ___ __ ____
$ 5 2 .0 0 to $ 5 8 .0 0 _________________________
$ 58 .00 to $ 64 .00
_ _ _ _ ___________
$ 6 4 .0 0 to $ 7 0 .0 0 .
..........................
$ 7 0 .0 0 to $ 7 6 .0 0 ..............................................
$ 7 6 .0 0 to $ 8 8 .0 0 ..........................................
$ 88 .00 to $ 100.00 ............ ...............................
$ 100.00 to $ 1 1 5 .39__ ___________________
____
___
$ 11 5 .3 9 to $12 6 .9 3
and up

( 2)

A t any
age
Insurance
Men
Women

$ 3 ,2 0 0
4 ,200
4,800
5,500
6,100
6,700
7,300
7,900
9,200
10,400
12,000
13,200

$ 1 ,6 0 0
2 ,100
2 ,400
2,7 5 0
3 ,050
3,350
3,6 5 0
3,950
4,6 0 0
5,200
6,000
6,600

Until age 65 (60
fo r women),then
reduced in same
m anner as for
a ctive em ployee

Men, age 65 and o v e r; wom en, age 60 and ov e r:
Amount in effect on D ecem b er 1st nea rest 65th birthday
fo r m en and 60th fo r women reduced accord in g to s e rv ice

Y ears o f s e rv ice
25 and o v e r ....................
. . . . .. _
15 to 25 -----..
-----Under 15______
____
_ _

A m erican R adiator and
Standard Sanitary
C orporation (L ou isv ille,
K y .)

A fter 1 m on th 's
em ploym ent

$ 1 ,0 0 0

Standard A llied Trades
Council (AFL)
O ctober 1954

E m ployee m ay purchase additional insurance b y paying full c o s t .
Includes rev ision s in existing plan to becom e effective M arch 15, 1955,




Amount continued
P e rce n t Minimum
50
25
—

$ 1 ,5 0 0
1,500
1,500

60

X

N on occu pational

$ 1 ,0 0 0 $500

$ 1 ,0 0 0

101

INSURANCE

PLANS

- Continued

ACCIDENT AND SICKNESS

HOSPITAL1ZAT ION

Duratidn o f benefits
C ases
co v e re d

Except
A fter
age—

N onoccupational

$40 p e r week

26
weeks
per d is ­
ability

Benefits lim ited

A ccident

1 st

day

Sickness

8 th

B ase w eekly
earnings
L ess than $ 6 4 .0 0 ___
$ 6 4 .0 0 to $ 7 0 .0 0 ___
$ 7 0 .0 0 to $ 7 6 .0 0 ___
$ 7 6 .0 0 to $ 8 8 .0 0 ___
$ 8 8 .0 0 to $ 1 0 0 .0 0 _ _
$ 1 0 0 .0 0 to $ 1 1 5 .3 9 $ 1 1 5 .3 9 and o v e r __ _

W eekly 26
benefit weeks
p er d is ­
$ 3 0 .5 0 a bility
33.5 0
36.5 0
4 1 .0 0
4 7 .0 0
53.50
60.00

Daily
benefit
or
s e rv ice

day

8 th

Days

Daily
amount

Maximum
room and
board
allow ance

Extra allow ance P er
o r service
year

P er
d isa ­
bility

E m ergency
out-patient
care

E m ployee and dependents
S e m iprivate
room

1 st

Duration

day

Occupational D ifferen ce betw een W ork­
m en 1s Com pensation ben efit
and above amount

N onoccupational

Extended
cov era ge

B enefits begin

120

days

X

F ull co s t o f
sp e cifie d
s e rv ice s

R equired s e rv ice s
provided

E m ployee and dependents

day
Up to $15

$ 1 ,8 0 0

120 days

Up to $ 150, plus
75 p ercen t oi
next $ 2,0 00 o f
ch arges

Up to $150, plus 75
percen t o f next
$2,0 00 o f ch arges

O ccupational D ifferen ce betw een W ork­
m en ' s C om pensation benefit
and above amount

N onoccupational

$21

p er week

13
weeks
p er dis
ability

1 st

day

F o r such drugs as p e n icillin and streptom ycin a fter patient pays fir s t $25.




8 th

day

E m ployee and dependents
40 days

—

$240

F ull c o s t o f
sp e cifie d s e r v ­
ic e s , plus up to
$ 1,0 00 drug
a llo w a n ce 1

_

.

X

R equired s e rv ice s
provided

102

SELECTED

Up to schedule
allow ance
a ccep ted a s full
payment i f annual
incom e is under—

United States S teel
C orporation
S teelw orkers (CIO)

E m ployee

Operation schedule—
selected allow ances
C o v e rs
ca s e s
E m ployee

Dependents

AND

MEDICAL

SURGICAL

COMPANY, UNION,
AND
DATE OF INFORMATION

HEALTH

U1 ■
B

Up to schedule
allow ance
accepted a s full
payment if annual
incom e is u n d e r -

Horne

O ffice

H ospital

KJaiT“

M axim um
com pensation

"M a x imum
mum
number number
days
v isits
S ickness A ccident
paid
paid
fo r
fo r

p e r disa b ility

1 st

B enefits begin

A llow ance
E lse*
where

Maxim um schedule allow ance H ospital,
JZO
O
o ffic e , hom e,
elsew h ere
Tons ille c tom y
Up to $40
Up to $40

f200

D ecem ber 1954
Append*sc tom y
Up to $16o
Up to $106

A m erican Can Company
S teelw orkers (CIO)
D ecem ber 1954
(l )

M axim um schedule allow ance H ospital,
$250
o ffic e , hom e
elsew h ere
T on sillecto m y
Under age 12,
up to $30;
o v e r age 12,
up to $50

$250"

$4 fo r
each
day o f
con fin e­
m e n t2

$ 124

day

1 st

day

31 p er
d is a ­
b ility

Appendec tom y
Up to $125
Up to $125

A m erican R adiator and
Standard Sanitary
C orporation (L o u is v ille ,
K y .)
Standard A llied T ra d es
Council (A FL)

Maxim um schedule allow ance H ospital,
o ffic e , hom e,
$200
elsew here
T on sillecto m y
Up to $30
|Up to $30

$200

_______ A ppendectom y
Up to $100
|
Up to $100

O ctober 1954

Includes rev ision s in existing plan to b ecom e effective M arch 15, 1955.
p e rform ed , allow ance is greater o f (a) $4 fo r each day o f hospital confinem ent up to day o f operation; o r (b) $4 fo r ea ch day o f confinem ent m inus su rg ica l op era tion allow an ce.

If su rg ica l op eration


103
INSURANCE

PLANS

- Continued
MEDICAL - Continued

MATERNITY PROVISIONS

Dependents

H ospi­ E ls e ­
O ffice
tal
w here

Maximum
com pensation

Sick­
ness

A ccident
and
sickness

R egular
benefits
fo r 6
weeks

Daily
benefit D ura­
or
tion
se rv ice

Maximum
room and
board
allow ance

$ 124 p e r d isability

1 st
day

1 st
day

31 p er
d isa ­
b ility

R egular
benefits
for 6
weeks

R egular
benefits
fo r 6
weeks

S e m i-

F ull c o s t
o f s p e c i­
fied
s e rv ice s

10

_

Up to
$15

(a)

Up to d if­
fe re n ce
between
total ro o m
and b oard
ch arges
and $120

Up to
$60

$6

10
days

$60

Full c o s t
of s p e c i­
fied
s e r v ic e s ,
plus up to

iTTooo

_ _

a fter 9 months
E m ployee:
A ccid en t and sickness—
im m ediately

E m ployee and dependent;
If p regnancy com m ences while
insured
Up to
$75

E m ployee and dependent
Up to

' B enefits available to
newly insured

E m ployee and dependent:

E m ployee and dependent

Up to
$50

E m ployee and dependent:
S urgical— if pregnancy com m ences
while insured
H ospitalization— im m ediately
E m ployee:
A ccid ent and sickness— if p r e g ­
nancy com m en ces while insured

drug a l ­
lowance 3

1 If su rg ica l op era tion p e rfo rm e d , allow ance is greater o f (a) $4 fo r each day of hospital confinem ent up to day o f operation ; o r
2 T otal room and b oa rd a llow an ce plus ch arges fo r extra s e rv ice s lim ited to $120.
3 F o r such drugs as p en icillin and streptom ycin a fter patient pays fir s t $25.



M edical

Schedule
Extra
allow ance Amounts
allow ance Lum p
fo r
and
sum
or
norm al limitations
s e rv ice s
deliv ery

E m ployee and dependent

days

$ 4 fo r
each
day of
co n ­
fin e ­
m e n t1
2

S urgical

Ho spitalization
Maxi­ M axi­
mum
mum
Other
number number p rov ision s
A c c i­ visits
days
paid
dent
paid
fo r
fo r

B enefits begin

A llow an ce

(b) $4 fo r each day o f confinem ent minus su rg ica l operation allow ance.

104
SELECTED

HEALTH

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

OTHER BENEFITS1
2
COMPANY, UNION,
AND
DATE OF INFORMATION

Dependents of rietired employee

Retired employee
Types and amounts
Life insurance

United States Steel
Corporation
Steelworkers (CIO)

Accidental
death and
di smemoerment

Hospitalization

Surgical

Medical

Life
insurance

Hospitali­
zation

Surgical

Medical

Retiring at age 65:
JT7Z50
-----Retiring after age
60 but before age
65 due to disability:
Full amount in
effect immediately
prior to retire­
ment maintained
until age 65,
thereafter $1,250

December 1954

American Can Company
Steelworkers (CIO)
December 1954
<*)

AND

Men retiring at ag<
65 and women at
age 60 with at
least 10 years
service:
Amount in effect
on December 1st
nearest 65th birth­
day for men and
60th for women
reduced according
to service:
Years
Amount
of
continued
serv- Per- Miniice
cent mum
25 or
more _
20 to
25____
15 to
2 0 -__
10 to
15____

50 $ 1,00C
25

1,000

25

500

—

50C

American Radiator and
Standard Sanitary
Corporation (Louisville,
Standard Allied Trades
Council (AFL)
October 1954

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

 Includes revisions in existing plan to become effective March 15, 1955.
2


105

INSURANCE

PLANS

- Continued

FINANCING
Benefits for
employee

Benefits for employee's
dependents

Benefits for retired
employee

Benefits for dependents
of retired employee

Company Jointly Company Jointly Employee Company Jointly Employee Company
Jointly Employee
only
only
only
only
only
only
only
____

X

X

.

____

___

X
(l )

____

___

_

Amount of contribution for—
Benefits for employee and dependents

Standard hourly Monthly contribution $0,045 per hour
With worked by partici­
wage scale
No
depend- pating employee
rate
dependents
earnings
ents
Less than $1.73 $6.25
$1.73 to $ 2 .06 - 6.50
$2.06 to $ 2.39- 6.70
$2.39 to $ 2 .78 - 6.95
$2.78 to $3 .11 - 7.15
$3.11 and over— 7.40

X

X

X

Company

Employee

Full cost

Benefits for employee only, $0.75
per month; for employee and
dependents, $1.50

1 Financed by active employee and company contributions; see contribution columns for benefits for employee and dependents.-




Employee
(l )

Company
o

$7.50
7.75
7.95
8.20
8.40
8.65

X

X

Benefits for retired employee
and dependents

Balance of cost

Full cost

106
SELECTED

ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

California Metal Trades
Association
Machinists (AFL)

Amount

If permanently and totally disabled

Immediately or
1st of following
month

Amount
Before
age—
$2,000

AND

ACCIDENTAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

New employees
become
eligible- -

HEALTH

60

Cases
covered

Insurance is—
Maintained

Graduated
swworuui|

Paid in—

X

MultiSingle
Death dismem­ dismem­
berment berment
$2,000 $1,000

Nonoccupational

$2,000

August 1954

Continental Can Company After 6 months1
employment
Steelworkers (CIO)
February 1955

Deere and Company
Automobile Workers
(CIO)
July 1954




Immediately or
1st of following
month

Annual base pay
Less than
$2,500 to
$3,000 to
$4,000 to
$5,000 to
£6.000 to
and up

$2,500
$3,000
$4,000
$5,000
$6,000
£7.000

Insurance
______

_
$4r000
___ ____
5,000
___ _______
6,000
_ _ ___ ____________
8,000
_ ____________ 10,000
12.000

Service
Lea* then 6 months
6 months to 2 years
2 mara and over

65

Insurance
_

____
.

$

500
2,500

earnings:
Minimum—2,500
Maximum— 10,000

65

For 1 year (or
for period in­
sured, if less
than 1 year)

—

___

Installments

_._

—

__

__ _
_

Nonoccu- Service
pational
Less than 6 months.. % 500 $ 250
6 months to 2 years . 2,500 1,250
2 years and over___ One
50 per­
year's cent of
earn­ death
ings: benefit
Minimunr~
F275&0
Maxi­
mum
SltTooo

__

$ 500
2,500
One
year* s
earnings:
Mini­
mum—
£273oo
Maxi­
mum—
$ 1 6 ,0 0 0

107
INSURANCE

PLANS

- Continued

ACCIDENT AND SICKNESS

HOSPITAL1ZAT ION

Du^atidn of benefits
Cases
covered

Amount

Benefits begin

Except
Period

After Benefits limited Accident Sickness
age—

—

—

—

—

—

(M

(l )

(*)

n

(*)

Extended
coverage
Duration
Days

Daily
amount

Maximum
room and
board
allowance

(l )

Extra allowance Per
or service
year

Per
disa­
bility

Emergency
out-patient
care

Employee

—

(l )

Daily
benefit
or
service

$1,050

Up to $15 a 70 days

X

Required services
provided

X

Up to $300, plus
75 percent of
next $4,000 of
charges, plus up
to $25 ambulance
allowance

Required services
provided

X

Up to $150, plus
75 percent of next
$2,000 of charges

X

Required services
provided

Dependents
Up to $ 12

Nonoccupational

Weekly 26
benefit weeks
per dis­
Less than $2, 500___ . $30
ability
$2,500 to $3,000___
35
40
$ 3,000 and over

Annual base
pay

__

__

1st day

$373

31 days

Up to $240, plus
75 percent o f " ’"’'
next $1,000 of
charges, plus up
to $25 ambulance
allowance

Employee and dependents

8th day
Up to $15

120 days

—

—

$1,800

Up to $150, plus
75 percent of
next $2,000 of
charges

—

Occupational Difference between Work­
men1s Compensation benefit
and above amount

Nonoccupational

$30 per week

26
weeks
per dis­
ability

—

—

8th day

Employee and dependents

8th day
Semiprivate
room

70 days

Full cost of
specified
services

No accident and sickness insurance benefit provided by plan; employees covered by the California State temporary disability law. See Appendix A.
Includes any amount payable under the California State temporary disability law.




108
SELECTED

California Metal Trades
Association
Machinists (AFL)
August 1954

Up to schedule
allowance
accepted as full
payment if annual
income is under—

Operation schedule—
selected allowances
Employee

Dependents

Employee
Covers
cases
in—

Maximum schedule allowance Hospital,
jm r
?350-------------- --------------------- office, home,
elsewhere
Tonsillectomy
Up to $53
Up to $45

Up to schedule
allowance
accepted as full
payment if annual
income is under— Home

Office

Hospi­
tal

Up to
$6 per
visit

Up to
$4 per
visit

Up to
$3 per
visit

Steelworkers (CIO)
February 1955

Maxi-” Maxi­
mum
mum
number number
visits
days
Sickness Accident paid
paid
for
for
Benefits begin

Allowance
Else­
where

Maximum
compensation

Home and office:
$300 per year
H osp ital;
$ T l 0 per

year

1st
visit
a.nd
office:
3d visit

1 per
day

__

Hospital:
1st visit

______ Appendectomy
Up to $175
(Up to $150

Continental Can Company

AND

MEDICAL

SURGICAL
COMPANY, UNION,
AND
DATE OF INFORMATION

HEALTH

$4 for
each
day of
confine­
ment1

Maximum schedule allowance Hospital
$250
$250
office
Tonsillectomy
Up to $50
Under age 12,
up to $30;
over age 12,
up to $50

$124 per disability

Up to
$3.50
per
visit

$637 during 1st 26
1st day
weeks from date of 1st
visit or $175 during
full period of disa­
bility, whichever
greater

1st day

1st day

31 per
disa­
bility

Appendec tomy
Up to $ 125
Up to $125

Deere and Company
Automobile Workers
(CIO)
July 1954

Maximum sc hedule allowance Hospital,
$300
$300
office, home,
elsewhere
Tonsillectomy
Up to $45
Up to $45
tip to

Up to
$3.50
per
visit

Up to
$ 2 .0 0

per
visit

1st day 1 per
day

endec tomy
Up to $150

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




109

INSURANCE

PLANS

- Continued

MEDICAL - Continued

MATERNITY PROVISIONS

Dependents
Allowance
M axim um

Else­
Office Hospi­ where
tal
Up to
$3 per
visit

compensation

$93 per disability

Surgical Medical

Hospitalization
Benefits begin Maxi­ Maxi­
Accident
mum mum
Other
and
number number provisions sickness
Sick­ Acci­ visits days
ness
dent paid
paid
for
for
1st
visit

1st
visit

Schedule
Maximum
Extra
allowance Am ounts
room and allowance Lump
and
for
sum normal limitations
or
board
allowance services
delive ry

Daily
benefit Dura­
tion

Employee and dependent:
pregnancy commences while
insured

Employee

1 per
day;
31 days
per disability

Benefits available to
newly insured

jJ

—

i----------------r--------------1
—
|
------------Up to $150 maternity allowance
1
1
_________ 1
_____ 1
_________
Dependent
i

$4 for
each
day of
con­
fine­
ment1

$ 124 per disability 1st
day

1st
day

31 per
disa­
bility

Regular
benefits
for 6
weeks

r
i
i
Up to $ 100 maternity allowance

Employee and dependent:
If pregnancy commences while
insured

Employee
Up to
$15

14
days

$210

Up to
$100

* ,

Up to $75

Dependent
Up to
$15

$3.50
for
each
day of
con­
fine­
ment

$245 per disability 1st
day

1st
day

70 per
disa­
bility

Regular
benefits
for 6
weeks

(*)

Up to $75

Up to dif<
ference
between
total room
and board
charges
and $120

Employee
Semi­ 70
private days
room

_

Full cost
of speci­
fied
services

_

' to
Up

$75

—
—

Employee and dependent:
If pregnancy commences while
insured

Dependent
Up to Up to $75
$70

If surgical operation performed, allowance is greater of (a) $4 for each day of hospital confinement up to day of operation; or (b) $4 for each day of confinement minus surgical operation allowance.
Total room and board charges plus charges for extra services limited to $120.




no
SELECTED

COMPANY, UNION,
AND
DATE OF INFORMATION
Types and amounts
Life insurance

August 1954

Dependents of rtetired employee

Retired employee
Accidental
death and
dismemberment

Hospitalization

Surgical

Medical

Life
insurance

Hospitali­
zation

Surgical

Employee and dependents

California Metal Trades
Association

Additional accident expense allowance (for expenses
incurred within 90 days of accident in excess of
those covered by other plan benefits)—up to $300
Polio allowance (in lieu of all other plan benefits,
all expenses incurred within 2 years after
disability commences)—up to $5,000

tor

Employee only
Diagnostic X-ray and laboratory allowance for nonhospitalized cases—up to $ 100 for any one accident
said all sickness during any 12 month period

Continental Can Company

Retiring at age 65:
Amount in effect
immediately prior
to retirement
reduced 10 per­
cent immediately
and 10 percent
annually thereaftei
to minimum of 50
percent of amount
in effect prior to
initial reduction

Steelworkers (CIO)
February 1955

Deere and Company
Automobile Workers
(CIO)
July 1954

1

Laboratory and X-ray examination allowance for
nonhospitalized cases:
Employee—axp to $£5 per disability
Dependents—up to $15 per disability
Allowance for care and treatment if treated in
doctor's office instead of hospital, in connection
with surgery or accident:
Employee only—up to $15 per disability for
expenses in excess of medical, laboratory and
X-ray examination benefits

$1,000
Disability
retirement:
Amount in effect
immediately prior
to retirement
maintained until
age 65, thereafter
$1,000

Same as for active Same as
employee
for active
employee

Same as
Same as
for retired for
employee retired
employee

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

EXPLANATORY NOTES.



AND

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

OTHER BENEFITS1

Machinists (AFL)

HEALTH

Medical

Ill

INSURANCE

PLANS

- Continued

FINANCING
B enefits fo r
em ployee

B enefits fo r e m p lo y e e 's
dependents

B enefits fo r retired
em ployee

B enefits fo r dependents
o f retired em ployee

Amount o f contribution fo r—
B enefits fo r em ployee and dependents

Company
Jointly
only

E m ployee Company
Em ployee Company
Em ployee
Company
Jointly
Jointly
Jointly
only
only
only
only
only
only

X

X

X




D ependents' benefits:
F u ll co s t— $ 6 . 1$ p e r month

X

X

X

E m ployee

X

Company

X

A ll benefits excep t life and a c c id e n tal death and dism em berm en t
insurance:
B enefits l o r em ployee o n ly , $ 2 .0 9
p er month; f o r em ployee and
dependents, $ 6 .6 6

E m ployee

Company

E m p lo y e e 's benefits:
F ull c o s t

F u ll c o s t

X

B enefits fo r retired em ployee
and dependents

L ife and accidental
death and d ism e m b erm en t insurance:
F u ll co s t
Other ben efits:
$ 2 .6 $ p e r month

F ull c o s t

H ospitalization and
L ife insurance:
su rg ica l:
F ull c o s t
F u ll c o s t — benefits fo r
em ployee on ly, $ 1 .4 4
per-m onth; fo r e m ­
p loyee and dependents,
$ 5 .8 2

112

SELECTED
ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

A fter 3 months*
em ploym ent

A utom obile W ork ers (CIO)

cases

Amount
B efore
age-

$ 2 , 800 com bination te rm and paid up insurance

insurance is—

_
L e s s than $ 4 8 .0 8 _
$ 4 8 .0 8 to $ 6 7 .3 1 _
_
$ 6 7 .3 1 to $ 8 6 .5 4 _
_
$ 8 6 .5 4 to $ 1 0 5 .7 7 _
$ 10 5 .7 7 to $ 1 2 5 .0 0 .
and up

A utom obile W orkers (CIO)
January 1955

A fter 30 days1
em ploym ent

At any
60

X

R egular w eekly
earnings

$2, 000
3, 000
4 , 000
5, 000

60
and
insured
2 years

Installments

Upon expiration o f one y ea r, em ployee m ay retain paid-up insurance p urchased by h is contributions o r r e c e iv e the cash surren der value.
A ls o co v e r s lo s s o f lim b s o r lo s s o f vision in both ey es due to d ise a s e .
Additional insurance is p rovid ed at extra co s t.
FRASER

N onoccu- B ase h ou rly rate
pational;
occu p a ­ L e s s than $ 1 .3 4 5 ___
$ 1 ,3 4 5 to $ 1 . 6 8 5 ___
tion al
$ 1 ,6 8 5 to $ 2 .2 5 5 ___
$ 2 .2 5 5 and o v e r _ _ _

$ 1 ,0 4 0
1, 300

$ 2 ,0 8 0
2, 600

(*)

L e s s than $ 5 2 .5 0 .
$ 5 2 . 50 and o v e r __

(3)

Digitized for


Single
M ulti­
Death d ism e m ­ d ism e m ­
berm ent berm ent
$ 1 ,5 0 0

N on occu pational

F o r 1 year

000
000
000
000
000

Insurance

B ase hou rly rate

Graduated
a cco rd in g to—

Insurance
$2.
3,
4,
5,
6,

L e s s than $ 1 .3 4 5 ______
$ 1 ,3 4 5 to $ 1 .6 8 5 ______
$ 1 ,6 8 5 to $ 2 .2 5 5 ______
$ 2 ,2 5 5 and o v e r ______

c o v e re d

P aid in­

___
Additional group te rm insurance:
B ase weekly
earnings

July 1954

C aterpillar T ra cto r
Company

Amount

If perm anently and totally disabled

Maintained
International H arvester
Company

AND

A CCIDEN TAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

New em p loyees
b ecom e
eligible- —

HEALTH

(*)

$2,000 $ 1, 000 $2 ,000
3, 000 1.500
3 ,000
4 ,000
4 .0 0 0 2,000
5 .0 0 0 2 .5 0 0
5 ,000

113

INSURANCE

PLANS

- Continued

ACCIDENT AND SICKNESS

Duratidn of benefits
C ases
co v e red

R egular w eekly
earnings
L e s s than $ 52. 50__
$ 5 2 .5 0 to $ 62. 50__
$ 62 . 50 to $ 7 2 .5 0 ...
$72 . 50 and o v e r___

W eekly 52.
benefit weeks
p e r d is ­
$ 2 7 .5 0 ability
3 2.5 0
37. 50
42. 50

B enefits lim ited

Extended
covera ge

B enefits begin
D a ily
b e n e fit

Except
A fter
age—

N onoccupation al

H O S P IT A L IZ A T IO N

Duration

A ccident

Sickness

se rv ice

1st day

6th w ork ­
day o r
1st w ork­
day in
Up to $ 10 .70 days
hospital

Days

Daily
amount

Maximum
room and
board
allow ance

Extra allow ance P e r
o r se rv ice
year

P er
d isa ­
bility

E m ergency
out-patient
ca re

E m ployee
__

__

$700

Up to $ 150

X

R equired se rv ice s
provided

Dependents
Up to $ 8

N onoccupational

W eekly 26
benefit w eeks
p e r dis
L e s s than $ 1 .3 4 5 ____ $25
ability
$ 1.345 to $ 1 .6 8 5 ____
30
$ 1 ,6 8 5 to $ 2 .2 5 5 ____
35
$ 2 ,2 5 5 and o v e r ..____
40

B ase hourly
rate




31 days

8th day or 8th day
1st in
o r 1st in
hospital hospital

$248

Up to $ 120

R equ ired se rv ice s
p rovided

E m ployee and dependents
Sem i­
private
ro o m

70 days

F u ll c o s t of
specified
s e rv ice s

R equ ired s e rv ice s
p rovided

114

SELECTED

SURGICAL

COMPANY, UNION,
AND
DATE OF INFORMATION

International H arvester
Company
A utom obile W orkers (CIO)

Up to schedule
allow ance
accepted as full
payment i f annual
incom e is under

AND

MEDICAL

Operation schedule—
selected allow an ces

E m ployee
C o v e rs
ca s e s

E m ployee

HEALTH

Dependents

Maximum schedule allow ance H ospital,
T IT
o ffic e , home,
elsew here
T on sillectom y
Up toT^77¥<5' T J p to T U T

J25Q -------------

July 1954

Up to schedule
allow ance
a ccep ted as full
payment if annual
incom e is unde

O ffice

H ospi­
tal

M a xiM axi­
m um
mum
num ber number
v is its
days
S ickness A ccident
paid
paid
fo r
fo r
B enefits begin

A llow ance
E ls e ­
where

M axim um
com pensation

$ 5 fo r
each
day o f
con­
fin e­
ment

$350 p e r disa b ility

$ 2 .5 0
fo r
each
day o f
con ­
fine­
ment

$ 17 5 p e r disa b ility

1st day

1st day

_
_

70 p er
d isa ­
bility

endesetomy
Up

C aterp illar T ra cto r
Company
A utom obile W ork ers (CIO)
January 1955




tjp tiffw -

Maxim um schedule allowance H ospital,
$175
o ffic e , hom e,
$175
elsew here
T on sillectom y
C hild, up to
Up to $40
$ 25 ; adult, up
to $40
Appendectom y
Up to $ 125
Up to $ 125

1st day

1st day

70 p e r
d isa b ility

115
INSURANCE

PLANS

- Continued

MEDICAL - Continued

M ATERNITY PROVISIONS

Dependents

H ospi­ E ls e ­
Home O ffice
tal
w here
$ 4 fo r
each
day o f
co n ­
fine­
ment

Maxim um
com pensation

$ 124 p e r disability

S urgical

H ospitalization
B enefits begin

A llow an ce

Sick­
n ess

A c c i­
dent

1st day 1st day

M axi-

13S5EP

mum
mum
Other
number number p rov ision s
visits
days
paid
paid
for
fo r
31 p e r
disa­
bility

A ccid ent
and
sickness

Daily
benefit D ura­
or
tion
se rv ice

Maximum
ro o m and
board
allow ance

M edical

Schedule
Extra
allow ance Amounts
allow ance Lump
and
fo r
or
sum norm al limitation!
s e rv ice s
d eliv ery
E m ployee

$50
Up to
$10

14
days

$140

Up to
$150

_

Up to
$ 6 2 .5 0

___

B enefits available to
newly insured

E m ployee and dependent:
If pregnancy com m en ces while
insured

Dependent

------------- 1
--------1
i --------------- 1
$75 m aternity allow ance

$ 2 .5 0
fo r
each
day o f
co n ­
fin e­
m ent




$ 175 p e r disability

1st day 1st day

70 p e r
d isa ­
b ility

R egu la r
b enefits
fo r 6.
w eeks

E m ployee and dependent:
If pregnancy com m en ces while
insured

E m p loyee and dependent
S em i­ 10
p rivate days
ro o m

F u ll co s t
of
s p ecified
s e r v ic e s

Up to $50

116
SELECTED

COMPANY, UNION,
AND
DATE OF INFORMATION
T ypes and amounts
L ife insurance

A utom obile W orkers (CIO)
July 1954

C aterp illar T ra cto r
Company
A utom obile W orkers (CIO)
January 1955

Dependents o f rtetired em ployee

R e tire d em ployee

E m ployee only
D iagnostic X -r a y and la b ora tory exam ination
allow ance fo r nonhospitalized ca s e s —-up to $25
p er U sa b ility

A ccidental
death and
di sm em berm ent

H ospitalization

Surgical

M ed ica l

L ife
insurance

Hospital!**
nation

S urg ical

R etirin g at age 60
with 25 ye a r 8*
s e rv ice and in­
sured lo r 5 yea r 8
at tim e o f r e t ir e ­
ment, o r at age
55 with 15 y e a rs 1
s e rv ice if due
to disa b ility:
Amount o f paid-up
insurance a ccu ­
m ulated p r io r to
retirem ent o r
$ 1 ,2 0 0 , which­
e ve r g reater

R etirin g at age 65
with ~l0 y e a r ? ------s e rv ice and in­
sured S y e a rs at
tim e o f r e t ir e -"^
ment:

T IT o o o

R etirin g at age 65
with 1 0 years*
s e rv ice and insured
S ye a rs at tim e o f
retirem ent:
Same as Tor active
em ployee but
lim ited to 21 days
during p eriod o f
retirem ent

R etiring
at age 65
w it h ! 0
years*
s e rv ice '
and in­
sured 5
y e a rs at
tim e o f "
r e tire ­
ment:
Same as
Eor active
em ployee
but lim ­
ited to
maximum
of $175
tor a ll
operations
luring
period o f
retirement

1 Such benefits a s X -r a y , anesthesia and e le ctro ca rd io g r a m a llow an ces m ay be p rovid ed under som e plan s, although not liste d h e re .
EXPLANATORY NOTES.




AND

EXTENSION OF BENEFITS TO—
(must be at lea st on group rate b a s is )

OTHER BENEFITS

International H arvester
Company

HEALTH

Sam e a s
Sam e as
fo r re tire d fo r
em p loyee
re tire d
em p loyee

R eason s f o r not listin g such ben efits a re set fo rth in

M ed ical

117
INSURANCE

PLANS

- Continued

FINANCING
B enefits fo r
em ployee

B enefits fo r em p loyee*s
dependents

B enefits fo r retired
em ployee

B enefits fo r dependents
o f re tire d em ployee

Amount o f contribution fo r
B enefits fo r em ployee and dependents

Company
Jointly
only

E m ployee Company
Em ployee Company
Company
E m ployee
Jointly
Jointly
Jointly
only
only
only
only
only
only

X

X

X

E m ployee

Company

Com bination paid-up and te rm life
insurance:
V a rie s a cco rd in g to age o f entry into
plan: T h ose entering at age 45 and
tinder contribute $ 2 .6 0 m onthly; fo r
those entering a fte r age 45 the above
amount is in cre a se d by a p p roxi­
m ately $ 0 .17 up to m axim um o f
$ 5 .2 0 f o r those entering plan at age
60 and o v e r 1

A ccid en ta l death
insurance:
F ull c o s t
Other benefits:
B alance o f co s t

B enefits fo r retired em ployee
_________and dependents_________
E m ployee

Company

L ife insurance:
E m ployee contribution ce a s e s, paid-up
insurance (financed by em ployee p r io r to
retirem ent) continues in effect; com pany
pays c o s t o f d ifferen ce between em p loyeefinanced paid-up insurance (if le s s than
$ 1. 200) and guaranteed m inimum c o v ­
erage o f $ 1.200

Additional group term life insurance:
B ase w eekly
■■
earning 8
contributions
L e s s than $ 4 8 .0 8 _____
$ 1 .0 0
$ 4 8 .0 8 to $ 6 7 .3 1 ___________ 1.50
$ 6 7 .3 1 to $ 8 6 .5 4 ___________ 2 .0 0
$ 8 6 .5 4 to $ 1 0 5 .7 7 ____ 2 .5 0
$ 1 0 5 .7 7 to $ 1 2 5 .0 0 ___
3 .0 0
and up
D ism em berm ent insurance and
a ccid ent and sick n ess benefits:
B ase w eekly
Monthly
earnings
contributions
L e s s than $ 5 2 .5 0 -------$ 5 2 .5 0 to $ 6 2 .5 0 _____
$ 6 2 .5 0 to $ 7 2 .5 0 _____
$ 7 2 . 50 and. o v e r .______

$ 1 .6 9
2 .0 0
2 .3 0
2 .6 0

H ospitalization, s u rg ica l, and
m ed ical;
B enefits fo r em ployee on ly , $ 0 .7 8
p e r month; fo r em p loyee and 1
dependent, $ 2 .2 1 ; fo r em p loyee and
2 o r m o re dependents, $ 3 .1 2
X




X

X

X

B alance o f co s t
L ife and a ccid ental death and d is ­
m em berm ent insurance and
accid ent and sick n ess benefits:
B ase hou rly !
Monthly
rate
con tributions8
L e s s than $ 1 .3 4 5 _____
$ 1 ,3 4 5 to $ 1 .6 8 5 _____
$ 1 ,6 8 5 to $ 2 .2 5 5 _____
$ 2 ,2 5 5 and o v e r_______

$ 1.80
2 .5 0
3 .2 0
3 .9 0

Other benefits:
B enefits fo r em ployee only, $ 0 .9 5
p er month; fo r em ployee and
ch ild ren , $ 2 .0 0 ; fo r em ployee and
spouse, $ 2 .6 0 ; f o r em p loyee,
spouse, and ch ild ren , $ 3 .6 0

H ospitalization and
"surgical:
B enefits fo r em ployee
only, $ 1.45 p e r month;
fo r em ployee and
ch ildren , $ 2 .5 0 ; fo r
em ployee and spouse,
$ 3 .9 0 ; fo r em p loyee,
spouse, and ch ildren ,
$ 4 .9 0

L ife insurance:
F ull co st
H ospitalization
and surgical:
Balance of; co st

1 18
S E L E C T E D

ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

B e fo re
age-

L ife in su ra n ce,
accident and
sick n ess benefits:
Im m ediately o r
E le c tr ic a l W orkers (CIO); 1st o f follow ing
E le c tr ic a l W ork ers (AFJL) month
Other b enefits:
A fte r 66 days*
em ploym ent

Annual base wage
L e s s than
$ 1,200 to
$ 1 ,8 0 0 to
$ 2 ,4 0 0 to
$ 3, 000 to
$ 3 ,6 0 0 to
$ 4 ,2 0 0 to
$ 4 , 800 to
$ 5 ,4 0 0 to
$ 6 ,0 0 0 to

$ 1, 200
$ 1,800
$ 2 ,4 0 0
$ 3 , 000
$ 3, 600
$ 4 ,2 0 0
$ 4 ,8 0 0
$ 5 ,4 0 0
$ 6 , 000
$ 6, 600

Insurance

60

C ases
co v e re d

insurance i s
Maintained

O ctober 1954

P aid in
Installments

.
... $ 1 ,5 0 0
_
_
...
2 ,5 0 0
.
...
3,500
.
...
4 ,0 0 0
.
—
5,000
____
— 6,000
.
...
7 ,0 0 0
.
... 8,000
.
9 ,0 0 0
___________ ______________________
10, 000

$250 ;

W estinghouse E le c tr ic
C orporation
E le c tr ic a l W ork ers (CIO)
Septem ber 1954

A fter 3 months*
em ploym ent

$500
Installm ents,
60
full amount
and with
le s s $500
Insurance 5 y e a r s 1
s e rv ice
$ 2 ,5 0 0
$ 260 to $350 .
$ 4 ,5 0 0 and
L e s s than $ 1753 ,0 0 0
$350 to $435 ______
5 ,500 p erm a ­
$175 to $ 2 1 5 ----$215 to $ 2 6 0 ___ . 3 ,500
$435 to $650 ______ 7 ,5 0 0
nently
and up
and
totally '
A fter age 65: *
disabled
F o r em ployee h attaining age 65 p r io r to 1958, a p ercen t­
age o f insurance in effe ct on Septem ber 1, 1950 is con ­
tinued. P ercen tag e v a rie s a cco rd in g to y e a r 65 is
60
Until age 65,
attained—and
then reduced in
P ercen t o f totally same manner as
Y ea r attaining
insurance
disabled f o r active em ­
age 65
continued
p loyee
P r io r to age 65:
B a s ic m onthly
ea rn in g s"

B a s ic monthly
Insurance earnings

1950
1951 ____
_______ __
1952 _ _______________ ^
1953
1954 _
______
1955 _____
1956 .. .
_____
1957
___________________

.... _ - _ ____
____
_
............ _
_ _ _____ .. .
_
-------

-

100
95
05
75
65
55
45
35

F o r em p loy ees attaining age 65 in 1958 o r la te r, 25 p e r ­
cent o f insurance in e ffe ct im m ediately p r io r to attaining
age 65 continued, m inim um $ 75 0 .

*

1 P rov id ed in addition to insurance based on em ployee* s annual base w age.
1 E m ployee m ust have 5 years* continuous s e r v ic e im m ed iately p r io r to attaining age 65 to be elig ib le fo r insurance a fter age 65.




Amount

If perm anently and totally disabled

R adio C orp ora tion o f
A m erica (RCA V ictor
D ivision)

AND

A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T

L I F E IN S U R A N C E

New em p loyees
b ecom e
eligible- —

H E A L T H

Graduated
a cco rd in g to—

M ulti­
Single
Death d ism em ­ d ism e m ­
berm ent berm ent

119

IN SU R A N C E

P L A N S

-

C o n tin u e d

ACCIDENT AND SICKNESS

HOSPITALIZATION

Duratidn o f benefits
C ases
co v e re d

Except

Amount
■Period

N onoccup ational

A fter
age—

B enefits lim ited
to—

Extended
cov era ge

B enefits begin

A ccident

Sickness

Daily
benefit
or
se rv ice

Duration
Days

Daily
amount

B a sic benefit

E xtra allow ance P e r
o r s e rv ice
year

Per
d isa ­
bility

E m ergency
out-patient

E m ployee and dependents 1
.-

W eekly 26
benefit weeks
p er d is ­
L e s s than $ 3 6 .
$ 22
ability
$ 3 6 to $ 4 0 ___________
24
$ 4 0 to $50
..
28
$ 50 to $ 6 0 ....................
32
..
35
$ 60 and o v e r . .

A vera g e w eekly
earnings

Maximum
room and
board
allow ance

8th day,
retroa ctive to
1st a fter
4 w eek s'
d isability

8th day,
Up to $ 10
retroa ctive to
1st a fter
4 w eeks'
d isability
$2

31 days

__

.

$310

Up to $ 100

_
_

X

X

—

Up to $ 50

Supplem entary b enefits fo r em p loyee only a
20 days

$40

—

—

Supplementary benefit
100 days
p er d is ­
ability

Upon c e s ­
sation o f
basic
benefit

Upon c e s ­
sation o f
b a sic
benefit

Occupational

D ifferen ce betw een W ork­
12
m e n 's C om pen sation benefit weeks
p er d is ­
and 80 p ercen t o f b ase
w eekly wage
ability

When
W ork­
m e n 's
C om pen­
sation
benefit is
payable

When
W ork­
m e n 's
C om pen­
sation
benefit is
payable

N on occu p ational

B a sic m onthly
earnings

8th day

8th day

$ 2 . 10 p e r day

< )
3

L ess
$175
$215
$ 26 0
$350
$435
$ 650

W eekly 26
benefit weeks
p e r d is­
than $ 1 7 5 _____ $ 25
ability
to $ 2 1 5 ________
28
to $ 2 6 0 ________
31
<
3)
to $ 3 5 0 ________
33
to $ 435
34
to $ 6 5 0
36
and o v e r
38
(3)

__

E m ployee p r io r to age 65 and dependents *
Up to $ 10

(3)

(3)

(3)

(S)

—

—

$700

(3)

Up to $ 100, plus
75 p e rce n t o f
next $ 2 ,0 0 0 o f
ch arges

*
*

X

R equired se rv ice s
provided

Em
J ployee a fte r age 65 *
Up to $7

n

$147

Up to $70

X

R equ ired s e rv ice s
provided

F o r Cam den, New J e rs e y em p loy ees and their dependents; benefits fo r other em p loyees in other a re a s m ay vary a cco rd in g to lo c a l hospital ra te s.
P rov id ed in addition to b a s ic h ospitalization benefits; payable only while em ployee is continuously confined to hospital fo r at le a st 8 days and is re ce iv in g accident and sickn ess benefits.
B enefit d iscontinued at age 65.
E m p loy ees under 65 m ay se le c t alternative m axim um ro o m and board benefits o f $ 12 o r $ 7 ; p rem ium s a re adjusted a cco rd in g ly .
9 Duration depends on daily ro o m and board ch arges; total allow ance lim ited to $ 70 0 .
4 A vailable to em p loy ees with at le a st 15 y e a rs ' continuous se rvice im m ed ia tely p r io r to reaching age 65 and insured under plan as long a s e lig ib le . The total amount o f hospitalisation and su rg ical
benefits lim ited to $ 50 0 during the balance o f the em p loy ee's life . Dependents' benefits discontinued when em ployee rea ch es age 65.
7 Duration depends on daily ro o m and board ch arges; total allowance lim ited to $ 147.

2

3
4




120
S E L E C T E D

H E A L T H

AND

1 F o r Cam den, New J e rs e y em p loyees and th eir dependents; b enefits fo r other em p loyees in other a re a s m ay vary accord in g to lo c a l su rg ica l ra te s .
* A vailable to em p loy ees with at lea st 15 years* continuous se rv ice im m ediately p r io r to reach in g age 65 and insured under plan fo r as long a s e lig ib le ; tota l amount o f h osp ita liza tion and s u rg ica l
benefits lim ited to $500 during balance o f em ployee*s l ife .
FRASER
3 Dependents b enefits discontinued when em ployee rea ch es age 65.

Digitized for


121
IN SU R A N C E

P L A N S

-

C o n tin u e d

MEDICAL - Continued

MATERNITY PROVISIONS

Dependents
A llow ance
Home O ffice

H ospi­ E ls e ­
w here
tal

Up to
$ 4 p er
day

M axim um
com pensation

$ 124

p e r d isability

S urgical

H ospitalization
Maxi­ M axiB enefits begin
mum
mum
Other
number number p ro v isio n s
S ick- A c c i- visits
days
n ess
dent
paid
paid
for
fo r
1st day 1st day

A ccident
and
sickness

Daily
benefit D ura­
or
tion
se rv ice

Maximum
room and
board
allow ance

Schedule
E xtra
allow ance Amounts
allow ance Lump
and
fo r
or
sum
norm al lim itations
s e rv ice s
d eliv ery

E m ployee and dependent

31 p er
d is ­
ability
Up to
$ 10

14
days

$140

M edical

Up to

ISO1

E m ployee and dependent

n --------------- 1
------------- r

B enefits available to
newly insured

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

Up to

$100

E m ployee and dependent:
i f pregnancy com m ences while
insured

$ 125 m aternity allow ance

E m p loy ees c o v e re d by c o lle c tiv e bargaining agreem ent with E le c tr ic a l W orkers (CIO) and dependents o f these em p loyees a lso r e c e iv e up to $ 2 0 fo r n u rse ry ca re o f infant.




122

S E L E C T E D

COMPANY, UNION.
AND
DATE OF INFORMATION
T yp es and amounts
L ife insurance

A nesth esia allow ance fo r ca s e s in and out o f h o sp iE le ctrica l W ork ers (CIO); ta l, i f surgeon m akes a separate ch arge fo r
E le ctrica l W ork ers
anesthesia-— up to $ 1$
(AFL)
N onem ergency a ccid en t and sick n ess allow ance in
out-patient departm ent o f hospital— up to $50 p e r
O ctober 1954
d isability

Westinghouse E le c tr ic
C orporation
E le ctrica l W ork ers (CIO)

Dependents o f re tire d em ployee

R etired em ployee

E m p loyee and dependents

AND

EXTENSION OF BENEFITS TO —
(m ust be at le a st on group rate b a s is )

OTHER BENEFITS 1
3
*

Radio C orp oration o f
A m e rica (RCA V icto r
D ivision)

H E A L T H

A ccid en ta l
death and
dism em berm ent

H ospitalization

S urgical

M ed ica l

L ife
insurance

H ospita li­
zation

S u rg ical

Sam e a s
fo r d e ­
pendents
o f a ctiv e
e m p lo y e e s

Sam e a s
fo r d e ­
pendents
o f activ e
e m p loy ee!

(#)

<5)

M ed ical

R etirin g at age 65:
With 10 y e a rs o r
m o re s e r v ic e , 40
p ercen t o f amount
in e ffe ct at tim e of
retirem en t; with 5
to 10 y e a rs s e r v ­
ic e , 20 p e rce n t o f
amount in e ffe ct
at tim e o f r e t ir e ­
ment

R etirin g at age 65
o r la te r: 2
Same as fo r active
em ployee a fte r
age 65

Septem ber 1954
R etirin g p r io r to
agel>5: 3
Same a s fo r a ctive
em p loyee

Same as fo r active
em ployee
<)
4

Same as
fo r
a ctive
em ployee
(•)

1
Such b enefits as X -r a y , anesthesia and e le ctro ca rd io g ra m allow ances m ay be p rovid ed under som e p lan s, although not listed h e r e . R easons f o r not listin g such ben efits a re s e t fo rth in
EXPLAN ATORY NOTES.
* A vailable if em ployee com p leted 5 y e a r s ' continuous s e rv ice im m ed iately p r io r to retirem en t o r age 65, w hichever o cc u rs fir s t.
3 A vailable if em ployee re tire s on pension, which req u ires a minimum o f 15 y e a r s ' s e r v ic e ; if retirin g on d isability pension, em ployee is co v e re d b y the $500 life in su ra n ce le ft in fo r c e under
perm anent and total disa b ility p rov ision .
4 A vailable
em p
f
se
p r r to retirem en t date
Digitized forp FRASER ployee only to g on loyees retirin g with m inimeumd ob y15 y e a r s ' andrv ice icaio benefits until age 65.o r age 65, w hichever o ccu rs fir s t , and in su red under plan as long as elig ib le during 1 5 -y e a r
eriod . E m
retirin
d isability pension not co v re
hospital
su rg
l
5 Dependents cov era ge discontinued when retired w orker rea ch es age 65; not available to dependents o f em p loyees on disability pension.
http://fraser.stlouisfed.org/

Federal Reserve Bank of St. Louis

123

IN SU RAN CE

P L A N S

-

C o n tin u e d

FINANCING
B enefits for
em ployee

B enefits fo r e m p lo y e e 's
dependents

B enefits fo r retired
em ployee

B enefits fo r dependents
o f retired em ployee

Amount o f contribution fo r —
B enefits fo r em ployee and dependents

Company
Jointly
only

only

Jointly

E m ployee Company
E m ployee Company
Jointly
Jointly
only
only
only
only

X

E m ployee

X

_

X
(‘ )

E m ployee

_

X

B enefits fo r em ployee p r io r to age
65 and dependents:
Monthly contribution
B a sic
EmE m ployee
monthly
p loyee
and d e earnings
only
pendents

1 B enefit* f o r em p loy ees re tirin g p r io r to age 65, except i f due to disa b ility, a re jo in tly financed until age 65.

$ 6 .9 3
7 .2 0
7 .4 8
7 .9 7
8 .3 8
9 .2 2

B enefits fo r e m p loyee p r io r to age
65 and dependents:.
B alance o f c o s t
B enefits fo r e m p loyee a fter age 65:
F ull co s t

Company

Full cost

F ull co s t

L e s s than $ I t 5 - $ 2 . 8 4
$175 to $215____ 3 .1 1
$215 to $ 26 0 ____ 3 .3 9
$260 to $35 0 ____ 3 .8 8
$350 to $ 435____ 4 .2 9
$435 to $650____5 .1 3
and up




Company

X

X

X

only

B enefits f o r retired em ployee
and dependents

B enefits fo r e m p loyee p r io r to age
65 and dependents:
Same as a ctive e m ­
p loyee

B enefits fo r e m p loyee p rio r to age
65 and dependents:
Balance o f c o s t
B enefits fo r e m ployee after age
65:
F ull co s t

124

S E L E C T E D

ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

Amount

If permanently and totally disabled
Amount
Before
age—

Insurance is

Cases
covered

Graduated
according to—

Maintained
Ford Motor Company
1st of month after Basic hourly rate
1 month's
Automobile Workers (CIO) employment
Less than $ 1. 30__
$1.30 to $1.50____
July 1954
$1.50 to $1.70____
$ 1.70 to $1.90____
$ 1.90 to $2. 10____
$2. 10 and over____

General Motors
Corporation

After 90 days'
employment

Automobile Workers (CIO)

Less than $1. 1 3 ______________________________ $2,500
$1.13 to $ 1 .3 8 ________________________________
3,000
$1.38 to $ 1 .6 3 ________________________________
3,500
$1.63 to $ 1 .8 8 ________________________________
4,000
$1.88 to $2. 13________________________________
4,500
$2.13 and over________________________________
5,000

July 1954

After age 65:
Insurance immediately reduced $500; thereafter, 2 per­
cent monthly until (1) for employees with 10 or more
years' coverage amount equals l*/a percent of remainder
after the $500 reduction, multiplied by years of coverage
up to 20, minimum-r-$ 500; or (2) for employees with less
than 10 years' coverage, remainder reduced as above
until separation from service or until amount in force is
$500, whichever is earlier.

North American Aviation
$5,000
Accident and
sickness benefits:
Automobile Workers (CIO) Immediately or
1st of following
September 1954
month

Installments
Until age 65,
60
with 15 then reduced in
or more same manner as
(*)
years' for active em­
ployee
plan
cov­
(Optional)
erage

60
with 10
to 15
years'
plan
cov­
erage

Nonoccu- Base hourly rate
pational;
Less than $ 1. 13 _
occupa­
$ 1. 13 to $ 1. 38__
tional
$1.38 to $1.6 3 __
$1.63 to $ 1.8 8 __
(2)
$1.88 to $2. 13__
$2. 13 and over__

<
2)

Until age 65,
then reduced in
same manner as
for active em­
ployee

60

Other benefits:
After 3 months*
employment

After total amount of life insurance has been paid, $500 of group coverage provided during remainder of employee's total disability.
Available only to employees under age 65.




Single
Multi­
Death dismem­ dismem­
berment berment

Nonoccu- Basic hourly rate
pational
occupa­
Less than $ 1. 30___ $1,200 S 600
1,400
700
tional
$1.30 to $1.5 0____
800
$1.50 to $ 1.70______ 1,600
1,800
900
$1.70 to $ 1.9 0___
$1.90 to $2. 10_____ 2,000 1,000
2,200 1, 100
$2. 10 and over___

$2,400
2,800
3,200
3,600
4,000
4,400

Before age 65:
Base hourly rate

AND

A C C ID E N T A L D E A T H A N D D IS M E M B E R M E N T

L IF E IN S U R A N C E

New employees
become
eligible—

H E A L T H

Nonoccupational;
occupa­
tional

$1,200
1,400
1,600
1, 800

2, 000
2,200

2,000

625
750
875

1,000

$1,250
1,500
1,750

2,250
2.500

1, 125
1,250

2,250
2, 500

$1,250
1.500
1,750

(2)

\

(2)

$5,000 $2,500

2, 000

(2)

$ 5, 000

125

INSURANCE

PLANS

- Continued

AC C ID E N T AND SICKNESS

Duratidn o f benefits
C a ses
c o v e re d

B a s ic h ou rly
rate

W eekly
benefit

L ea 8 than $ ]L 30____ $30 . 60
.
33. 20
$ 1. 30 to $ 1. 50_____
$ 1. ,50 to $ 1. 70_____ 35.,80
70 to $ 1. 90_____ 38.,40
$ 1.
$1. 90 to $ 2 . 10_____ 41.,00
$2., 10 and o v e r_____ 43. 60

N on occu p a tional

B ase hou rly
L e s s than $ 1 . 13„
$ 1 .1 3 to $ 1. 3 8 __
$ 1.38 to $ 1 .6 3 __
$ 1.63 to $ 1 .8 8 __
$ 1.88 to $ 2 . 13__
$ 2 .1 3 and o v e r __

Occupational

N on occu p ational

W eekly
S eleH t
.
.
.
.
.
.

26

65 p ercen t o f w eekly
earnings—
M inim um — $25 p e r w eek
M axim um — $40 p e r week

60

w eeks
p e r d is ­
ability

26

weeks
p er die
$ 2 8 .0 0 ability
3 1 .5 0
3 5 .0 0
3 8 .5 0
4 2 .0 0
4 5 .5 0

D ifferen ce betw een W ork­
men* s C om pen sation benefit
and above amount

A fter
age—

Daily
benefit

26

B enefits lim ited

A ccident

26 weeks during
any 12 con secu­
tive months

1st day

26 weeks during
any 12 con secu ­
tive months, if
due to sickness

1st day

26

Daily
amount

P er
d isa ­
bility

E m ergency
out-patient
ca re

R equired s e rv ice s
provided

E m ployee and dependents 1
R equ ired s e rv ice s
provided

F ull co s t of
specified
s e rv ice s z

120 days

8th day
o r 1st in
hospital

1st day

Extra allow ance P e r
o r se rvice
yea r

F ull co s t o f
sp ecified
s e r v ic e s *

120 days

8th day
o r 1st in
hospital

1st day

Maximum
room and
board
allow ance

E m ployee and dependents 1

8th day
o r 1st in
hospital

S em i­
private
ro o m

8th day
o r 1st in
hospital

weeks
p e r dis<
ability

w eeks
p e r d is ­
ability

Days

S em i­
private
room

60

Extended
cov era ge

B enefits begin

Except
P eriod

N onoccup ation al

HOSPITALIZATION

E m ployee and dependents
$8

70 days

—

—

$560

Up to $ 120, plus
75 p ercen t o f
next $ 1,200 o f
ch arges

—

X

—

P lus additional allow ance fo r em ployee only
$10

1st 12 days

$120

X

_________1
1
_____________________
M ichigan H ospital S e rv ice (Blue C r o s s plan); em ployees in other a re a s co v e re d by different p ro g ra m s.
A ls o p rov id ed in con nection with su rg ery p erform ed in out-patient departm ent.




126
SELECTED

1 T otal fa m ily in com e a vera ged o v e r 3 y e a rs .
* M ichigan M ed ica l S erv ice (Blue Shield plan); w o r k e rs in other a re a s c o v e re d by differen t p ro g ra m s.
* A ls o available fo r s e r v ic e s ren dered in out-patient departm ent o f hospital; e m ergen cy out-patient su rg ica l ca re a lso p rovid ed in hospital and d octor*s o f fic e .




HEALTH

AND

127

INSURANCE

PLANS

- Continued

MEDICAL - Continued

MATERNITY PROVISIONS

Dependents

H ospi­ E ls e ­
O ffice
w h ere
tal

H ospitalization
Benefits begin

A llow ance
M axim um
com pensation

Sick­
ness

A c c i­
dent

Maxi-

M axi-

m um
mum
Other
number number provisions
visits
days
paid
paid
for
fo r

A ccident
and
sickness

R egular
b enefits
fo r 6
weeks

R egular
benefits
fo r 6
weeks

Up to
$ 3 per
v isit

$ 150 p e r yea r
Up to Up to Up to
$ 2 p er $ 3 p e r $ 3 p er
visit
vis it
visit

3d day 1st day 1 p er
day

Regular
benefits
fo r 6
weeks

Daily
benefit D ura­
tion

Maximum
room and
board
allow ance

S urgical

E m ployee and dependent 1
S em i- 120
private days
ro o m

Full co s t
of specified
s e r v ic e s

F u ll co s t
o f specifie d
s e r v ic e s

M

$ 112

Up to $120

E m ployee and dependent:
H ospitalization and' surgical—
a fte r 9 months

Up to $ 50
E m ployee:
A ccid en t and sickness— if p r e g ­
nancy com m en ces while insured

Up to $105

days

M ichigan H ospital S e rv ice and M ed ica l S ervice (Blue C ro s s and Blue Shield plan s); em p loyees in other a re a s co v e re d by differen t p rogram s,




E m ployee and dependent:
H ospitalization and surgical—
a fte r 9 months
E m ployee:
A ccid en t and sickness—
im m ediately

E m p loyee only
$8

B enefits available to
newly insured

Up to $50

E m ployee and dependent 1
S em i- 120
private days
room

M edical

Schedule
E xtra
allow ance Amounts
allow ance Luxr.p
and
fo r
or
sum
norm al limitations
s e rv ice s
d e liv ery

E m ployee:
A ccid en t and sickness— a fter 3
months
H ospitalization and surgical—
if pregnancy com m ences while
insured

128
SELECTED

COMPANY, UNION,
AND
DATE OF INFORMATION
T yp es and amounts
L ife insurance

Y e a rs o f
s e rv ice

Insurance

A ccidental
death and
di sm em oer ment
__

H ospitalization

A nesthesia allow ance fo r ca s e s in o r out o f h o sp ital, if ad m inistered by nonhospital em ployee—
1st hour o r fra ction th ereof, $ lO; each additional
hour o r fra ction th ereof, $ 5

Surgical

M ed ica l

L ife
insurance

Same as fo r active
em ployee

Same as
for a c ­
tive em ­
ployee

__

_
_

Same as fo r a c ­ Same as fo r active
em ployee
tive em ployee
until age 65;
not available
thereafter

Same as
fo r a c ­
tive em ­
ployee

—

—

—

—

—

A utom obile W orkers (CIO)
July 1954

Dependents o f re tire d em p loyee

R etired em ployee

E m ployee and dependents

AND

EXTENSION OF BENEFITS TO—
(must be at lea st on group rate b a s is )

OTHER BENEFITS 1
2

F o rd M otor Company

HEALTH

10 to 2 0 ___$ 500
20 to 3 0 ___750
30 o r m ore 1,000

H ospitali­
zation

Sam e as
fo r re ­
tir e d em ­
p loyee

S u rg ical

M ed ical

Sam e as
fo r r e ­
tir e d e m ­
ployee

__

Sam e as
fo r r e ­
tir e d e m ­
p lo y e e

—

—

—

(*>

General M otors
C orp oration

E m ployee and dependents

A utom obile W orkers (CIO) A nesthesia allow ance fo r ca s e s in o r out o f h o sp ital, if a dm inistered by nonhospital em ployee—
July 1954
1st hour o r fra ction th ereof, $ 10; each additional
hour o r fra ction th ereof, $ 5

Same as fo r a c ­
tive em p loy ee.
Not available to
re tire d em p loyees
a fter age 65 with
le s s than 10 ye a rs
s e rv ice

Same as
fo r r e ­
tir e d em ­
p loyee

<*>

North A m erica n A viation

E m ployee and dependents

—

—

—

—

A utom obile W orkers (CIO)
Septem ber 1954

A nesthesia allow ance (for su rg ery p e rfo rm e d
outside of hospital)— up to $ 10
P o lio expense allow ance (for expense not c o v e re d by
ot&er plan benefits in cu rred within 2 y e a rs a fter
date o f con traction o f d isea se)— up to $ 5 , 000

1 Such benefits as X -r a y , anesthesia and e le ctro ca rd io g r a m allow an ces m ay be p rovided under som e p lan s, although not liste d h e re .
EXPLAN ATORY NOTES.
S ervice (Blue Shield plan); em p loy ees in other a re a s co v e re d by different p ro g ra m s .

M ichigan M edical
2


R eason s f o r not listin g such benefits a re set fo rth in

129

INSURANCE

PLANS

- Continued

FINANCING
B enefits fo r
em ployee

B en efits fo r e m p lo y e e 's
dependents

B enefits fo r retired
em ployee

B enefits fo r dependents
o f retired em ployee

Amount o f contribution fo r—
—
B enefits fo r em ployee and dependents

Company
Jointly
only

E m ployee Company
Employee Company
Company
E m ployee
Jointly
Jointly
Jointly
only
only
only
only
only
only

X

X

X

X

Company

E m ployee
L ife and accidental death and d is m em berm ent insurance, a ccid ent
and sick n ess, and m ed ical benefits:
B asic hourly
Monthly
rate
contribution
L e ss than $ 1 . 3 0 _______
$ 1. 30 to $ 1. 5 0 _______
$ 1.50 to $ 1 . 7 0 _______
$ 1.70 to $ 1 . 9 0 _______
$ 1 .9 0 to $ 2 . 1 0 _______
$ 2 . 10 and o v e r _______

$ 2 .0 7
2 .4 1
2 .7 6
3 .1 0
3 .4 4
3.79

H ospitalization and surgical:
Balance o f co st

X

X

X

X

L ife and accidental death and dis*
m em berm ent insurance, accident
and sick n ess, and m ed ical benefits,
p rio r to age 65: *
B ase hourly
W eekly
rate
contribution
L e ss than $ 1 . 1 3 ______
$ 1 .1 3 to $ 1 . 3 8 _______
$ 1 .3 8 to $ 1 . 6 3 _______
$ 1 .6 3 to $ 1 . 8 8 _______
$ 1 .8 8 to $‘ 2. 1 3 _______
$ 2 .1 3 and o v e r _______

$ 0 .4 0
.5 0
.6 0
.7 0
.8 0
.9 0

H ospitalization and surgical:
Balance o f co st *

X

X

L ife and accidental
death and d ism e m berm ent insurance,
accident and s ick n e ss, and m edical
benefits:
Balance o f co st

B enefits fo r retired em ployee
and dependents
Em ployee

Company

H ospitalization and
surgical:
Full co s t

L ife insurance:
F ull cost

L ife and accidental
death and d ism e m b e rment insurance, p rio r
to age 65:
E m ployee pays 50
cents monthly p er
$ 1, 000 o f life in su r­
ance 3

L ife and accidental
death and d ism em berm ent insurance,
p rio r to age 65:
Balance o f cost

H ospitalization and
surgical:
One half o f rate o f
lo ca l Blue C ro s s
a n d /o r Blue Shield
plan, but no m ore
than one h alf o f rate
o f M ichigan H ospital
plan (sem iprivate
ro o m ) and/ o r M ich i­
gan M edical S ervice
plan
L ife and a ccid ental
death and d ism em berm ent insurance,
accident and s ick n e ss, and m ed ical
benefits, p r io r to
age 65: *
B alance o f co s t

L ife insurance,
after age 65:
Full cost

H ospitalization and
H ospitalization and
su rgical:
surgical:
F ull co st
One half rate o f
lo c a l Blue C r o s s
and/ o r Blue Shield
plan, but no m ore
than one half o f rate
o f M ichigan H ospital
plan (sem iprivate
room ) a n d /o r M ich i­
gan M edical S e rv ice
plan 1
2

A ccident and sickn ess and additional B alance o f c o s t
hospitalization benefits:
C aliforn ia em p loy ees, 1 p ercen t o f
1st $ 3 ,0 0 0 of annual earnings;
Colum bus, Ohio em p loy ees, co n tri­
bution based on pay cla ssifica tio n ,
ranges fro m $ 1. 91 to $ 2 . 78 p er
month
Other benefits:
$ 2 .0 5 p e r month

1
2

At age 65 eirp lo y e e contribution reduced one half; amount applied to co st o f accident and sickn ess and m ed ical ben efits. Company pays full co s t o f life insurance fo r em ployee age 65 and ov e r.
A ccid en ta l death and d ism em berm en t cov era g e cea s es at age 65.
Company has option o f providing benefits through insurance company:
H ospitalization fr o m insurance com pany— em ployee pays no m ore than requ ired under Blue C r o s s plan. Company pays balance o f co st.
S urgical fr o m insurance com pany— em ployee pays accordin g to co v e ra ge : E m ployee only, $ 0 .2 5 p e r month; em ployee and w ife, $ 0 . 80; em p loyee and fa m ily, $ 1. 10. Company pays balance
o f co s t.
C ontributions not req u ired o f em p loy ees retired due to disability.

3




130
SELECTED

ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

S teelw orkers (CIO)

If perm anently and totally disabled
New em p loy ees
becom e
eligib le- -

Amount
B efore
age—

1st day o f 2d
month follow ing
month em p loy­
m ent com m en ces

$ 3 ,5 0 0

L ife insurance:
A fter 6 months*
em ploym ent

S ervice

60

C a se s
co v e re d

Insurance i s
Paid

i

Until age 65,
thereafter
$ 1 ,2 5 0

F ebruary 1955

M inneapolis- Honey w ell
Regulator Company
T ea m sters (A FL)
D ecem ber 1954

Other benefits:
Im m ediately o r
1st o f follow ing
month

Insurance

6 m onths to 1 y e a r .
1 y ea r to 2 y e a rs —
2 y e a rs to 3 y e a rs .
3 y e a rs to 4 y e a rs .
4 y e a rs to 5 y e a rs .
5 y e a rs to 6 y e a rs .
6 y e a rs and o v e r _

$

1 E m ployee m ay s ecu re additional insurance by paying full co s t .

500
750
1 ,0 0 0

1, 250
1, 500
1,750
2 , 000

(*)




AND

A C C ID E N T A L D E A TH AND DISM EM BERM EN T

LIF E INSURANCE

Maintained
Pullm an-Standard C ar
Manufacturing Company

HEALTH

60

Installments

Graduated
a cco r d in g to—

M ultiSingle
Death d ism em ­ d ism em ­
berm ent berm ent

131

INSURANCE

PLANS

- Continued

H OSPITALIZATION

ACCID ENT AND SICKNESS

Duratidn o f benefits
C ases
c o v e re d

Except
A fter
age—

N on occu p a tional

$ 4 0 p e r week

26

Benefits lim ited
to—

A ccident

1st day

S ickness

T w o-th ird s o f b a s ic schedule' 26
id
w eekly wage—
weeks
M axim um — $ 40
p er
disa ­
bility

Duration
Days

Daily
amount

M axim um
ro o m and
board
allow ance

E xtra allow ance P e r
year
o r s e rv ice

P er
d isa ­
bility

E m ergency
out-patient
ca re

E m ployee and dependents
Up to $ 12

(*)

$840

F ull co s t o f
sp e cifie d
s e r v ic e s

R equ ired . s e rv ice s.
provided

D ifferen ce betw een W ork­
m e n s C om pen sation
benefit and above amount

N on occu p ation al

Daily
benefit
or
s e rv ice

8th day

weeks
p er
d isa ­
bility

O ccupational

Extended
cov era ge

B enefits begin

1st day

E m ployee and dependents £

8th day
Up to $ 12

70 days

(*
>

* Duration d eterm in ed b y actual d a ily room and board ch arges (m aximum — $12 p e r day; $840 p e r d isa b ility).
M innesota H ospital S e rv ice A ss o cia tio n (Blue C ross plan); em ployees in other a re a s co v e re d b y d ifferent p ro g ra m s .
* E m p loyee at own c o s t m ay s e cu re additional $3 p e r day benefit.




$840

F u ll co s t o f
sp e cifie d
s e r v ic e s

R equired s e rv ice s
provided

132

S E L E C T E D

Up to schedule
allow ance
a ccep ted as full
payment i f annual
incom e is under—

Pullm an-Standard C ar
Manufacturing Company

E m ployee

Operation schedule—
selected allow ances
C o v e rs
cases
E m ployee

AND

MEDICAL

SURGICAL

COMPANY, UNION,
AND
DATE OF INFORMATION

H E A L T H

Dependents

Up to schedule
allow ance
a ccep ted as full
payment if annual
in com e is under—

O ffice

H ospi­
tal

M axi- U i i i m um
m um
number num ber
vis its
days
S ickness A ccident
paid
paid
fo r
fo r
B en efits begin

A llow ance
E ls e ­
where

Maxim um
com pensation

M axim um schedule allow ance H ospital,
p r
o ffice , hom e,
elsew here
T on sillectom y
tip to $ 30
Up"to$“30

j m r

S teelw orkers (CIO)
F ebruary 1955

Appends ctbm y
Up to * W ----- f W t o f l O O
i

M inneapolis-H oneyw ell
R egulator Company
T ea m sters (A FL)
D ecem ber 1954

Individual c o v ­
era g e, $ 2 ,4 0 0 ;
fam ily cov era g e,
$ 3 ,6 0 0
(l )

Maxim um schedule allow ance H ospital,
Individual co v ­
p r
o ffic e , hom e, e ra g e , $ 2 ,4 0 0 ;
fam ily co v e ra g e ,
elsew h ere
T on sillecto m y
$ 3 ,6 0 0
Up to $25
I Up to $25
(*)
(>)
A ppendectom y
U p T o X r f0
| U p.to$l0(J

j m r

( a)

(l )

1st day,
up to
$ 6 ; 2d
day, up
to $ 4 ;
there­
a fter,
up to
$3 per
day
(*)

1 M innesota M ed ical S e rv ice (Blue Shield plan); em p loyees in other a re a s co v e re d by d ifferent p ro g ra m s.




$214 p e r d isa b ility
(l )

1st day

1st day

(*)

(*)

70 p e r
d isa ­
bility
(*)

133

IN SU RAN CE

P L A N S

-

C o n tin u e d

MEDICAL - Continued

MATERNITY PROVISIONS

Dependents

H ospi­ E ls e ­
Home O ffice
where
tal

M axim um
com pensation

S ick­
ness

A ccident
and
sickn ess

Daily
benefit D ura­
or
tion
se rv ice

Maximum
room and
board
allow ance

$214 p er d isability

1st
day

1st
day

70 p er
d isa ­
bility

(l )
(l )

(*)

(*)

M edical

Schedule
Extra
allow ance Amounts
allow ance Lump
and
fo r
or
sum
norm al lim itations
s e rv ice s
deliv ery

E m ployee and dependent

R egular
benefits
fo r 6
weeks

1st
day,
up to
$ 6 ; 2d
day,
up to
$4;
th ere­
a fter,
up to
$3 per
day

Surgical

H ospitalization
Maxi- Maximum
mum
Other
number number p rov ision s
A c c i ­ visits
days
dent
paid
paid
fo r
fo r

B enefits begin

B enefits available to
newly insured

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

Up to Up to $ 50
$120

E m ployee and dependent 1
Up to
$12
(*)

70
days

$840

F ull co s t
o f s p e c i­
fied
s e r v ic e s

E m ployee and dependent:
e r y months

Up to $60

(l )

_______ _____ _____________________ 1

1

1

1

____________ J ________ ___________ _________ I
_______ ________________________

1 M innesota M ed ica l S e rv ice and M innesota Hospital S ervice A ssocia tion (Blue Shield and Blue C r o s s plan s); em p loy ees in other a re a s co v e re d by different program s*
2 E m p loyee at own co s t m ay s ecu re additional $ 3 p er day benefit.




134
S E L E C T E D

COMPANY, UNION,
AND
DATE OF INFORMATION
L ife insurance

F ebruary 1955

Dependents o f re tire d em ployee

R etired em ployee
Types and amounts

S teelw orkers (CIO)

AND

EXTENSION OF BENEFITS TO—
(must be at lea st on group rate b a s is)

OTHER BENEFITS 1

Pullm an-Standard C ar
Manufacturing Company

H E A L T H

A ccidental
death and
dism em oerm ent

H ospitalization

Surgical

M ed ical

L ife
insurance

H ospita li­
zation

S urgical

M edical

R etirin g at age 65
with 15 years*
s e rv ice :
$77255
R etirin g between
ages 60 and 65,
due to d isability:
Amount in effe ct
im m ediately p rio r
to retirem en t
m aintained until
age 65; then r e ­
duced to $ 1, 250

Minneapoli s - Honeywell
R egulator Company
T ea m sters (A FL)
D ecem ber 1954

1

Such benefits a s X -r a y , anesthesia and e le ctro ca rd io g r a m allow an ces m ay be p rov id ed under som e plan s, although not listed h e re .

EXPLAN ATO RY NOTES.



R eason s fo r not listin g such ben efits a re set forth in

135

IN SU RAN CE

P L A N S

-

C o n tin u e d

FINANCING
B enefits lo r
em ployee

B enefits fo r e m p lo y e e 's
dependents

B enefits fo r retired
em ployee

B enefits fo r dependents
o f retired em ployee

Amount o f contribution for—
B enefits fo r em ployee and dependents

Company
Jointly
only

E m ployee Company
Em ployee Company
Company
E m ployee
Jointly
Jointly
Jointly
only
only
only
only
only
only

X

X

X 1

X

X
(a)

* E m ployee retirin g p r io r to age 65 due to d ila b ility contributes $ 1 . 58 p er month until age 65.
E m ployee m ay s ecu re additional life insurance and hospital benefit at his own c o s t.




E m ployee

Company

B enefits fo r em ployee only,
$ 5 .5 0 p e r month; fo r em ployee and
dependents, $ 8. 38

B alance o f co s t

Dependents' benefits:
F ull co s t

Em ployees* benefits:
F ull co s t a

B enefits fo r r e tire d em ployee
and dependents
E m ployee

Company
F ull co s t 1

1 36

S E L E C T E D

ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

Amount
B efo re
age—

E le ctrica l W orkers (CIO)
N ovem ber 1954

E lgin N ational Watch
Company
Watch W ork ers (in d .)
January 1955

Amount
C a se s
co v e re d

Insurance is—
Maintained

S perry G y roscop e
Company (Great
N eck, N. Y .)

L ife insurance:
W eekly salary
Insurance
Day next follow ing
3 m onths' em ­
L e s s than $ 22. 50 _______________________________
$ 1, 000
ploym ent
$ 2 2 .5 0 to $ 3 0 .0 0 .........................................................
1,400
$ 3 0 .0 0 to $ 3 7 .5 0 _______________________________
1,800
A ccid en t and
2,1 0 0
$ 3 7 .5 0 to $ 4 5 .0 0 _______________________________
________ ____________
2 ,5 0 0
sickness benefits: $ 4 5 .0 0 to $ 5 2 .5 0 ___
Im m ediately or
$ 5 2 .5 0 to $ 6 0 .0 0 _______________________________
2 ,9 0 0
1st o f follow ing
$ 6 0 .0 0 to $ 6 2 .5 0 ......................................................
3,2 0 0
month
3,500
$ 6 2 .5 0 to $ 7 2 .5 0 ........... .............................................
$ 7 2 .5 0 to $ 8 1 . 5 0 _______________________________
4 ,0 0 0
Other benefits:
$ 8 1 .5 0 to $ 9 1 .5 0 ......................................................
4 ,5 0 0
1st day o f month
5,000
$ 91 . 50 and o v e r __ ___ ______ ______________ _
follow ing 3
m onths' em p loy­
(l )
ment

60

__

L ife insurance
S erv ice
In su ra n ce2
and accident and
sick n ess benefits: L e s s than 6 m o n th s _____________________________ $ 450
6 months to 1 y e a r __ __ __
_____________
750
Im m ediately o r
1 yea r and o v e r __ _
_ 1,500
1st o f follow ing
month

——

___

Graduated
a cco rd in g to—

Paid in—
Installments

—

Single
M ultiDeath d ism em ­ d ism e m ­
berm ent berm ent

__

__

__

__

_
_

__

_

__

Other benefits:
A fter 1 m onth's
em ploym ent

Additional insurance p rovid ed on con tributory b a s is; em p loy ees earning o v e r $ 5 , 250 annually and co v e re d by additional con tributory insurance a re a lso e lig ib le fo r supplem entary insurance.
if em ployed by com pany p r io r to age 55.

 A vailable only


AND

A CCIDEN TAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

If perm anently and totally disabled
New em p loyees
becom e
eligib le—

H E A L T H

__

1 37

IN SU RAN CE

P L A N S

-

C o n tin u e d

ACCIDENT AND SICKNESS

Duratidn of benefits

H O S P IT A L IZ A T IO N

Extended
cov era ge

B enefits begin
D a ily

C ase 8
co v ered

Amount
P eriod

N onoccupational

Weekly
salary-

W eekly
benefit

L ess than $ 2 2 .5 0
$22 . 50 to $ 3 0 .0 0
$ 30 . 00 to $ 3 7 .5 0
$37. 50 to $ 4 5 .0 0
$ 45 . 00 to $ 5 2 .5 0
$ 52 . 50 to $ 6 0 .0 0
$ 60 . 00 to $ 6 7 .5 0
$67 . 50 to $ 7 5 .0 0
$ 75 . 00 to $ 8 2 .5 0
$ 82 . 50 to $ 9 0 .0 0
$90 . 00 and over

N onoccupational

b e n e fit

Except

$ 11.25
15.00
2 0 .0 0
2 5 .0 0
30. 00
3 5 .0 0
4 0 .0 0
4 5 .0 0
5 0 .0 0
5 5 .0 0
6 0 .0 0

5th day to 11th day 1— $ 3 p er
day; th erea fter; 2
W eekly
W eekly
earnings
benefit
$ 4 0 to $ 4 5 _________ $ 2 5 .5 0
$ 4 5 to $ 5 0 _________ 2 8 .5 0
$ 50 to $ 5 5 _________ 3 1.5 0
$ 55 to $ 6 0 _________ 34. 50
$ 6 0 to $ 6 5 __
3 7.50
$ 65 to $ 7 0 ___________ 4 0 .5 0
$ 7 0 to $ 7 5 _________ 4 3 .5 0
$ 7 5 to $ 8 0 _________ 4 6 .5 0
$ 8 0 to $ 8 5 _________ 49. 50
$85 to $ 9 0 _________ 5 2.5 0
$ 9 0 to $ 9 5 _________ 5 5 .5 0
$95 to $ 100_________ 5 8 .5 0
$ 100 and o v e r ______ 60. 00

13
weeks
p er d is ­
ability

Nonh osp italized
ca ses;
85 days
p e r d is ­
ability

A fter

Benefits lim ited

60

13 weeks during
any 12 con secu tive months, if
due to sickness

A ccident

lst day

S ic k n e ss

or
se r v ic e

Days

Maximum
room and
board
allow ance

Extra allow ance P e r
o r s e rv ice
year

Per
disa~
bility

E m ergency
out-patient
ca re

E m ployee and dependents
21 days

180

5th day

F ull co s t o f
sp ecified
s e r v ic e s fo r 1st
21 days; 50 p e r ­
cent o f co st fo r
additional 180
days

50 percen t
o f c o s t of
s e m i­
p rivate
room

X

Up to $ 7 .2 5

X

Up to $ 150

E m ployee and dependents
$ 700

Up to $150

H ospi­
talized
ca s es:
90 days
p e r d is ­
ability
(3)

1 If hosp ita lized , 1st day in hospital to U th day o f d isability.
2 B enefit fo r em p loy ee with 6 m onths o r le s s s e rv ice lim ited to $3 p er day re g a rd le ss o f number o f days absent.
3 Hardship ca s e s m ay be elig ib le fo r a $3 p er calendar day benefit fo r an additional 60 days o f any d isa b ility. E m ployee
each day
FRASER o f em p lo y e e 's s e r v ic e .

Digitized for


Daily
amount

8th day
Sem i­
private
room

5th day
o r 1st in
hospital

Duration

with 6 months o r le s s s e rv ice cannot re c e iv e m o re than 1 d a y 's benefit fo r

138

S E L E C T E D

S perry G y roscop e
Company (Great
N eck, N. Y .)
E le c tr ic a l W orkers (CIO)
N ovem ber 1954

Up to schedule
allow ance
a ccep ted as full
payment i f annual
incom e is under—

$ 5 ,0 0 0

E m ployee

Operation schedule—
selected allow an ces

E m ployee

Dependents

C o v e rs
ca s e s
in—

Up to schedule
allow ance
a ccep ted as full
payment if annual
incom e is under—

M axim um schedule allow ance H ospital,
$ 5 , 000
T W ­
r m —
o ffice , hom e,
elsew here
ITon si lie ctom y~
Up to $60
Under age i t ,
$ 36; o v e r age
12, $60
A ppendectom y
W t o " l i s o — TOTtoITFO "

H om e

O ffice

H ospi­
tal
1st and
2d days,
$ 5 p er
visit;
3d
through
21st
day, $ 5
p er
day; 4th
through
16th
week,
$ 1 7 .5 0
p er
week

M a xiM aximum
mum
number number
vis its
days
S ickness A ccident
paid
paid
fo r
fo r
B enefits begin

A llow ance
E ls e ­
where

M axim um
com pensation

$ 342. 50 p e r d isa ­
b ility

1st day

$200 p e r d isa b ility

1st day

1st day
2d day,
2 per
day 1

(*>

Elgin National Watch
Company
Watch W orkers
January 1955

M axim um schedule allow ance H ospital,
T 253
| ?W
o ffic e , hom e,
elsew h ere
-------------VonsflUsetom y
Up to $ 50
Under age 12,
up to $ 30;
o v e r age 12,
up to $50

$ 4 fo r
each
day o f
con ­
fin e ­
ment

1st day

<*)

Appends»ctom y
Up to $ 125
Up to $ 125

1 M edical allow ance p rovid ed a fter fir s t 2 days, whether o r not d o cto r m akes daily v is its .
* If su rg ical op eration p erform ed , allow ance is g rea ter o f (a) $ 4 f o r each day o f hospital confinem ent up to day o f operation; o r (b) $4 fo r ea ch day o f confinem ent m inus su rg ica l op era tion
dllOW&AC6 •




AND

MEDICAL

SURGICAL

COMPANY. UNION.
AND
DATE OF INFORMATION

H E A L T H

139

INSURANCE

PLANS

- Continued

MEDICAL - Continued

M ATERNITY PROVISIONS

Dependents
A llow an ce
H ospi­ E ls e ­
Home O ffice
tal
where

1 st
and 2d
d a ys,
$5 per
v is it;
3d
througi
2 1 st
day,
$5 per
day;
4th
through
16th
week,
$ 17 .50
p er
week

Maxim um
com pensation

$ 3 4 2 .5 0 p er d isa­
b ility

Surgical

Ho spitalization
M axi- M axi­
mum
mum
Other
number numbei >rovisions
A c c i ­ visits
days
dent
paid
paid
for
fo r

B enefits begin
S ick­
n ess
1 st
day

1 st
day

1 st and
2 d day,
2 per

day 1
*

A ccid en t
and
sickness

R egular
b enefits
fo r 6
w eeks

Daily
benefit Dura­
or
tion
s e rv ice

Maximum
room and
board
allow ance

M edical

Schedule
E xtra
allow ance Amounts
allow ance Lump
fo r
and
or
sum norm al
iim itatiom
s e r v ic e s
d e liv e ry

E m p loyee and dependent
Up to Up to $90
$80

B enefits available to
newly insured

E m p loyee:
A ccid en t and sickness— a fter 10
months
H ospitalization and su rgical—
a fter 7 months *
Dependent:
Im m ediately

(*)

$ 4 fo r
ea ch
day o f
co n ­
fin e­
ment

$200

p e r d isability

1 st
day

1 st
day

E m p loyee and dependent

--------------1
------------- 1
--------1
-------

E m p loyee and dependent:
I f pregnancy com m en ces while
insured

Up to $ 150 m aternity allow ance

(S)

1

M ed ica l a llow an ce p rov id ed a fte r fir s t 2 days, whether o r not d o cto r m akes daily v is its .
a B ased on req uirem ent that new ly insured em ployee m ust have been a ctiv ely at w ork fo r 10 m onths to be co v e re d fo r m aternity b en efits.
s If su rg ica l op era tion p e rfo rm e d , allow ance is greater o f (a) $4 f o r each day o f hospital confinem ent up to day o f operation ; o r (b) $ 4 f o r ea ch day o f confinem ent m inus su rg ica l operation
FRASER ce.
allow an

Digitized for


140

SELECTED

OTHER BENEFITS

AND

EXTENSION OF BENEFITS TO—
(must be at lea st on group rate b a s is)

1

COMPANY, UNION,
AND
DATE OF INFORMATION

Dependents o f re tire d em ployee

R etired em ployee
T yp es and amounts
L ife insurance

S perry G y roscop e
Company (Great
N eck, N. Y .)

HEALTH

A ccidental
death and
dism em oerm ent

H ospitalisation

Surgical

M ed ica l

L ife
insurance

H ospitali­
zation

S u rgical

M edical

Same as
fo r r e ­
tir e d e m ­
p loyee

Sam e as
fo r r e ­
tir e d e m ­
p loyee

E m ployee and dependents

G eneral anesthesia allow ance (for su rg ery per*
E le ctrica l W orkers (CIO) form ed in o r out o f h osp ital, if a dm inistered by
d o cto r, other than operating d octor o r his a ssist*
N ovem ber 1954
ant o r hospital em p loy ee)— 20 p ercen t o f operation
a llow an ce; m axim u m -— 60
$

Elgin National Watch
Company
Watch W orkers (In d .)
January 1955

1

$750

Same as fo r a ctive Same as
em ployee but m ax­ fo r a c ­
imum hospitaliza* tive em ­
tion, su rgical and ployee
m edical benefits
but m ax­
imum
during retirem ent
lim ited to $ 500
hospital­
ization,
surgical,
and m ed ­
ica l ben­
efits
during
r e tir e ­
ment
lim ited
to $500

Such b enefits as X -r a y , anesthesia and e le ctro ca rd io g r a m allow an ces m ay be p rov id ed under som e plans, although not listed h e re .

EXPLAN ATORY NOTES.




Same as
fo r a c ­
tiv e e m ­
p lo y e e but
m axim um
hosp ita l­
ization,
su rg ica l,
and m ed ­
ic a l b en e­
fits during
r e t ir e ­
m ent
lim ite d to
$ 500

Same as
fo r r e ­
tir e d em ­
p loyee

R eason s fo r not listin g such b e n efits a re set fo rth in

141

INSURANCE

PLANS

- Continued

FINANCING
B enefits fo r
em ployee

B enefits fo r e m p lo y e e ’ s
dependents

B enefits fo r retired
em ployee

B enefits fo r dependents
o f re tire d em ployee

Amount o f contribution fo r —
B enefits fo r em ployee and dependents

Company
Jointly
only

E m ployee Company
Company
E m ployee Company
E m ployee
Jointly
Jointly
Jointly
only
only
only
only
only
only

E m ployee

E m ployee

Company

F ull co s t 1

X

X

Company

B enefits fo r retired em ployee
and dependents

i 1)

X

X

X

X

L ife insurance and accid ent and
sickn ess benefits:
0. 5 p ercen t o f w eekly g r o s s
earnings up to $ 100 p e r week
Other benefits:
B enefits fo r em ployee only, $ 0 .4 0
per week; fo r em ployee and d e­
pendents, $ 1

B alance o f c o s t

L ife insurance:

L ife insurance:

(2 )
Other benefits:
Same as active
em ployee

(2)
Other benefits:
Balance o f co st

1 E m ployee co v e re d by additional and supplem entary life insurance contributes tow ards its co s t.
2 Financed by a ctive em ployee and com pany contributions fo r life insurance and accid ent and sickness benefits; see contribution colum ns fo r benefits fo r a ctive em ployee and dependents.




142
SELECTED
ELIGIBILITY
REQUIREMENTS
COMPANY, UNION.
AND
DATE OF INFORMATION

Amount

If perm anently and totally disabled
Amount
B e fo re
age—

Insurance is—
Maintained

Johnson and Johnson
(New B run sw ick , N . J .)

AND

A CCIDEN TAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

New em p loy ees
b ecom e
eligib le—

HEALTH

Im m ediately o r
1 st o f follow ing
month

$ 2 ,0 0 0

60

Im m ediately o r
1 st o f follow ing
month

$ 1 ,0 0 0

60

C a se s
co v e re d

Paid in—

Graduated
a cco rd in g to—

M ultiSingle
Death d ism e m ­ d ism em ­
berm ent berm ent

N o n o ccu pational;
o ccu p a ­
tional

X

T extile W orkers (CIO)

$ 2 ,0 0 0 $ 1 ,0 0 0

$ 2 ,0 0 0

N o n o ccu pational

$ 1 ,0 0 0 $500

$ 2 ,0 0 0

F eb ru a ry 1955

Jew elry industry,
A ssocia ted J ew elers ,
Inc. , J ew elry C rafts
A ssociation,an d other
em ployers
(New Y ork, N. Y .)

Installments

Jew elry W ork ers,
L ocal 1 (A FL)
August 1954

D oll and toy industry,
National A ssocia tion o f
Doll M anufacturer8,and
other em p loyers
(New Y ork, N. Y .)

A ccid en t and sick- $ 1 ,0 0 0
ness ben efits:
Im m ediately o r
1 st o f follow ing
month

D oll and T o y W orkers
(AFL)

Other benefits:
6 m onths' union
m em bersh ip and
c o v e re d em p loy­
m ent

F eb ru a ry 1955

V arious em p loyers
(Newark, N. J . and
New Y ork , N. Y . a rea)
E le c tr ic a l W ork ers,
D is trict 4 (Ind.)
N ovem ber 1954




A fter 60 d a ys'
em ploym ent

A verage w eekly earnings
L ess than $25
____ _________ ____
$ 2 5 .0 0 to $ 3 0 .0 0
_
$ 3 0 .0 0 to $ 4 8 . 4 0 $ 4 8 .4 0 to $ 6 0 .4 0 ____
___
_
$ 6 0 .4 0 and ov er .
_ —
_

Insurance

_

None
$ 1 ,0 00
1,500
2,000
2,5 0 0

60

X

N on occu - A vera g e w eekly
pational; earnings
o cc u p a ­
tional
L e s s than $ 2 5 .0 0 ___
$ 2 5 .0 0 to $ 3 0 .0 0 ___ $ 1 ,0 0 0 $ 500
$ 3 0 .0 0 to $ 4 8 .4 0 ___
750
1.500
$ 4 8 .4 0 to $ 6 0 .4 0 ___
1 ,0 0 0
2 ,0 0 0
$ 6 0.40 and o v e r -----2 .5 0 0 1,250

$ 1 ,0 0 0
1 , 50n
2 ,0 0 0

2 ,5 0 0

143
INSURANCE

PLANS

- Continued

ACCIDENT AND SICKNESS

HOSPIT AL12 AT ION

Duratidn o f benefits
C ases
co v e re d

N onoccupational

N onoccup ational

D aily
b e n e fit

Except
P eriod

T w o-th ird s o f a vera ge
w eekly earnings—
M inim um — $10 p e r week
M axim um — $30 p er week

B ase w eekly
pay

26
weeks
p er d is ­
ability

W eekly 52
benefit weeks
p er disability
$19

A fter
age—
60

Sickness

B enefits lim ited

26 weeks during
any 12 con secu ­
tive months

Extended
cov era ge

B enefits begin

1 st

day

8 th

Days

day

Daily
amount

120

days1

2 4 5 1 Up to $5

N on occu p a tional

$30 p e r w e e k 3

A vera g e w eekly
earning s

$8

L es s than $ 1 5 .0 0 __ $ 1 0 .0 0
$ 1 5 .0 0 to $ 2 0 .0 0 _
1 2 .0 0
$ 2 0 .0 0 to $ 2 5 .0 0 _ _ 15.00
$ 2 5 .0 0 to $ 3 0 .0 0 _
18.00
$ 3 0 .0 0 to $ 3 4 .4 0 ___ 2 1 . 0 0
$ 3 4 .4 0 to $ 4 0 .4 0 __ 2 4 .0 0
$ 4 0 .4 0 to $ 4 8 .4 0 __ 2 6 .0 0
$ 4 8 .4 0 to $ 5 4 .4 0 __ 2 8.0 0
$ 5 4 .4 0 to $ 6 0 .4 0 _
3 1.0 0
$ 6 0 .4 0 to $ 6 8 . 4 0 _ 3 5 .0 0
$ 6 8 .4 0 and o v e r _ _ 4 0 .0 0

R equ ired s e rv ice s
p ro v id e d 2

70 days

—

$560

—

Up to $80

X

Up to $80

X

—

Up to $50

X

Up to $ 7 .2 5

X

Up to $ 7 .2 5

Dependents
$5

13
weeks
p er
year

W eekly
ben efit

E m ergency
out-patient
ca re

E m ployee

$155

31 days

Up to $50
"

~

N onoccup ational

P er
d isa ­
b ility

X

F u ll co s t o f
sp e cifie d
s e r v ic e s

8 day
th

L ess than $35
$3* «« $40
22
25
$40 to $45
28
$45 to $50
$50 to $55 _
31
$55 to $60_____ _____ 34
$60 to $65_____ _____ 37
$ 65 and o v e r _______
40

Extra allow ance P e r
o r se rv ice
yea r

E m ployee and dependents

day
S e m iprivate
ro o m

1 st

Maximum
room and
board
allow ance

4th day

26
weeks
p e r d is ­
ability

1 st

E m ployee and dependents

4th day
S em i­
private
ro o m

day

21

days

180

8 day
th

50 p ercen t
of cost of
s e m i­
private
room

F ull c o s t bf
s p e cifie d s e r v ­
ic e s fo r 1st 21
days; 50 p ercen t
o f c o s t fo r a ddi­
tional 180 days

Ernployee and dependents 4
S e m iprivate
ro o m

21

days

180

50 p ercen t
of cost of
se m f^
private
ro o m

F u ll co s t o f
sp e cifie d s e r v ­
ic e s fo r 1st 21
days; 50 p ercen t
o f c o s t fo r ad d i­
tional 180 days

E m ployees and dependents o v e r age 70 allow ed a m aximum o f 20 days p e r year
A ls o p rov id ed fo r a m axim um o f 3 days fo r any one accident o r condition requiring op erative su rg e ry o f a cutting nature, i f re g iste re d a s an out-patient in hospital,
da
'
*
**"
A vailable to em p loy ees with at le a st 6 m onths' union m em bership and working at le a st 32 hours p e r week. E m ployees with le s s than 6 m on th s' m em b ersh ip and wo
it <
>
w orking le s s than 32 hours p er
for week re c e iv e b enefits req u ired b y the New Y ork State tem porary disability law (see A ppendix A ).
FRASER
4
Not available i f em p loyee earns le s s than $25 p er week.

Digitized


144
SELECTED

Johnson and Johnson
(New B runsw ick, N . J .)
T extile W orkers (CIO)

S u b scrib er *s
annual in com e:
$ 5 , OOd

E m ployee

Operation schedule—
selected allow ances

Up to schedule
allow ance
a ccep ted a s full
payment i f annual
incom e is under—

C o v e rs
cases
Em ployee

Dependents

M axim um sc he dule allow ance H o sp ita l1
$250
$256

Up to schedule
allow ance
a ccep ted as full
payment if annual
in com e is under—

H om e

O ffice

S ubscriber* s
annual incom e:
$ 5 ,0 0 0

1 st day,
up to

J ew elry W ork ers,
L oca l 1 (A FL)

$110

p e r year

1 st

day

1 st

day

1 st

day

3d day

th ere­
after,
up to $ 5
per day

Appendectomy
Up to $1f f — |tfp to $'l
i

w

M axim um
com pensation

E ls e ­
where

$10;

T on sillecto m y
Up to $ 50
Up to $50

Maxim um
schedule
allow ance

H ospi­
tal

H ospital,
o ffic e

Up to
$3 p e r
v is it

Up to
$ 2 per
visit

Up to
$3 p er
v is it

Under age 60;
$75 p e r d isa b ility
O v er age 60:
$75 p e r yea r

T on sillectom y
Up to $ 3 3 .3 3
A ppendectom y
Up to $ 133.33

August 1954

D oll and toy industry,
National A ssocia tion o f
D oll M anufacturers,and
other em p loy ers
(New Y ork , N . Y .)
D oll and T o y W orkers
(AFL)
F eb ru a ry 1955

V arious em p loy ers
(N ewark, N. J . and
New Y ork , N. Y . a rea )
E le c tr ic a l W ork ers,
D is trict 4 (Ind.)
N ovem ber 1954

M axim um schedule allow ance H ospital,
JUT
$225
o ffic e , h om e,
elsew h ere
T on s ille cto m y
t t p to W /s ir Up to $37 .50
Appendectom y
________ Appe;
Up to $150
Up to $150

(a>

(a)

E m ergen cy su rg ica l allow ance o f up to $25 f o r treatm ent in hom e, o ffic e o r e lsew h ere a lso p rov id ed .
Not available i f em ployee earns le s s than $25 p e r week.




Up to
$3 p er
v is it

(2)

Up to
$ 2 p er
visit

(2)

Up to
$3 p er
vis it

(2)

$ 150 p e r disa b ility

(a)

MaS”

M aximum
mum
number num ber
days
v isits
S ickness A ccident
paid
paid
fo r
fo r
B enefits begin

A llow ance

F eb ru a ry 1955

J ew elry industry,
A ss ocia ted J ew elers ,
I n c ,; Jew elry C rafts
A ssocia tion ,an d other
em p loyers
(New Y ork , N. Y .)

AND

MEDICAL

SURGICAL

COMPANY, UNION,
AND
DATE OF INFORMATION

HEALTH

8 th day
retro­
a ctiv e to
1 st day

(2)

1 st

day

(2)

p er
year
21

145
INSURANCE

PLANS

- Continued

MEDICAL - Continued

MATERNITY PROVISIONS

Dependents
A llow an ce
H ospi­ E ls e ­
H ome O ffice
tal
w h ere
1 st
day,
up to

M axim um
com pensation

$110

p e r yea r

S urgical

Ho spitalization
M axi­ M axi­
mum
mum
Other
number number p rov ision s
A c c i ­ visits
days
paid
dent
paid
fo r
fo r

B enefits begin
S ick­
ness
1 st
day

2 1 p e r 2 in hospital
year
con sulta­
tion a l ­
low ances
p e r year:
1 st co n ­
sultation,
up to $ 15;
2 d co n ­
sultation,
up to $ 10

1 st
day

$10;

th ere­
a fte r,
up to
$5 p er
day

A ccid ent
and
sickness

R egular
benefits
fo r 6
weeks

R egular
benefits
fo r 6
weeks

Daily
benefit D ura­
or
tion

Maximum
room and
board
allow ance

M edical

Schedule
E xtra
allow ance Amounts
allow ance L u m p
and
fo r
sum norm al lim itations
or
s e r v ic e s
delive ry

E m ployee and dependent:
H ospitalization and surgical—
after 240 days

E m ployee and dependent
F u ll c o s t
o f s p e c i­
fie d
s e r v ic e s

7 days
Sem i
private
room

___

Up to
$125

E m p loyee:
A ccid en t and sickness— if p r e g ­
nancy com m en ces while insured

E m ployee:
Im m ediately

E m ployee

$8

14
days

Up to $80

$112

B enefits available to
newly insured

—

Up to $50

—

—

—

Dependent:
A fter 9 months

—

Dependent
$5

10

$50

Up to $50

days

E m ployee and dependent

__

Up to Up to
$ 2 p e r $3 p e r
v is it
v is it

Up to
$3 p e r
v is it

(‘ )

(l )

1
2

(l )

$150 p e r yea r

2d
v isit

1 st
visit

(M
(M

(1)

1 per
day,
50 per
year

(l )

E m ployee
on ly:
[F disabled
fo r at
le a st 7
days en
titled to 3
visits
within 31
days after
returning
to w ork

Not available if em p loyee earns le s s
$25 p er w eek.
W aiver o f this re s trictio n p erm itted fo r certain em ployees and dependents.




Regular
benefits
lo r 6
weeks

_

E m ployee and dependent:
A fte r 10 months

Up to
$80

E m ployee and dependent1
Up to Up to $75
$80

E m p loyee and dependent:
H ospitalization—-im m ediately
Other b enefits— if pregnancy
co m m e n ce s while in s u re d 2

146
SELECTED

AND

EXTENSION OF BENEFITS TO—
(must be at le a st on group rate b a s is )

OTHER B EN E FITS1
COMPANY, UNION,
AND
DATE OF INFORMATION

Dependents o f rtetired em ployee

R e tire d em ployee
T yp es and amounts
L ife insurance

Johnson and Johnson
(New B runsw ick, N . J .)

HEALTH

A ccidental
death and
dism em berm ent

H ospitalisation

S urgical

M ed ica l

L ife
insurance

H ospitali­
sation

S u rg ical

M edical

$ 2 ,0 0 0

T extile W orkers (CIO)
F eb ru a ry 1955

Jew elry industry,
A ssocia ted J e w e le rs ,
I n c .; J ew elry Crafts
A ssociation,an d other
em p loyers
(New Y ork , N. Y .)
J ew elry W ork ers,
L o ca l 1 (A FL)
August 1954

D oll and toy industry,
National A ss ocia tion o f
D oll M anufacturers,and
other em p loy ers
(New Y ork, N . Y .)

E m ployee on ly
T u b ercu losis ca sh settlem ent allow ance f o r
pulm onary laryngal o r ren al tu b ercu losis con tracted
fo r the fir s t time*— $400

D oll and T o y W ork ers
(A FL)
F e b ru a ry 1955

V arious em p loy ers
(N ewark, N . J . and
New Y o r k , N . Y . a rea )
E le c tr ic a l W ork ers,
D is trict 4 (Ind.)
N ovem ber 1954

1
Such benefits a s X -r a y , anesthesia and e le ctro ca rd io g r a m allow an ces m ay b e p rov id ed under som e p lan s, although not liste d h e r e .
E XPLAN ATO RY NOTES.




R eason s f o r not listin g such ben efits a re s e t fo rth in

147

INSURANCE

PLANS

- Continued

FINANCING
B enefits fo r
em ployee

B enefits fo r e m p lo y e e 's
dependents

B enefits fo r retired
em ployee

B enefits fo r dependents
o f retired em ployee

Amount o f contribution fo r—
B enefits fo r em ployee and dependents

only

X

Jointly

E m ployee Company
E m ployee Company
Company
E m ployee
Jointly
Jointly
Jointly
only
only
only
only
only
only

X

X

F u ll co s t but not
m o re than 3 .2 5 p e r ­
cent o f m onthly
p a yroll

X

X

X




Company
F u ll c o s t

X

X

X

E m ployee

D ependents' benefits:
F u ll co s t

E m p lo y e e ' s benefits:
F ull co s t— $ 2 . 50 per
week fo r each e m ­
ployee working at
lea st 32 hours p er
w eek; $ 0 ,0 6 5 p er
hour fo r each e m ­
p loyee working le s s
than 32 hours p e r
week

F ull c o s t

B enefits fo r retired em ployee
and dependents
E m ployee

Company
F ull co st

148
SELECTED

ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

Amount

If perm anently and totally disabled
Amount
B efore
age—

Insurance is—
Maintained

Various em p loyers
(St. L ou is, M o. area)

AND

ACC IDE N TAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

New em p loyees
b ecom e
eligib le—

HEALTH

C ases
c o v e re d

Graduated
a cco rd in g to—

Paid in—

Single
M ultiDeath d ism e m ­ d ism e m ­
berm ent berm ent

Im m ediately o r
1st o f follow ing
month

$ 2 ,0 0 0

65

F o r 1 year (or
fo r p eriod in­
su red if le ss thar
1 year)

N on occu pational;
o ccu p a ­
tional

$ 2 ,0 0 0 $ 1 ,0 0 0

$ 2 ,0 0 0

Im m ediately or
1st o f follow ing
month

$ 1,0 00

60

X

N on occu pational;
o ccu p a ­
tional

$ 1 ,0 0 0 $500

$ 1 ,0 0 0

L ife and accidental
death and dism em berm ent insurance
and accident and
sickness benefits:
A fter 3 m onths'
em ploym ent

Annual straigh t-tim e
b a sic wage

60

X

Insurance

N on occu - Annual straigh t-tim e
pational
b a s ic wage

$ 1 ,0 0 0
1,500
2,000
3,000
4,000
5,000

L e s s than
$ 1 ,2 0 0 to
$ 1 ,8 0 0 to
$ 2 ,4 0 0 to
$ 3 ,2 0 0 to
$ 4 ,0 0 0 to

M achinists, D istrict 9
(AFL)
Septem ber 1954

Alaska Salm on Industry,
Inc.
Alaska F is h e r m e n 's
Union (in d .);
C ordova D is tr ic t F ish eries
Union (in d .)
D ecem b er 1954

Kennecott C opper C o rp o ration, W estern Mining
D ivisions
V arious unions
D ecem ber 1954




Other benefits:
A fter 30 d a ys'
em ploym ent

L ess than
$ 1 ,2 00 to
$ 1 ,8 0 0 to
$ 2 ,4 0 0 to
$ 3 ,2 0 0 to
$ 4 ,0 0 0 to

$ 1 ,2 0 0 ..
......................
_
$ 1 ,8 0 0
__ __ __
__ „
______
$ 2 ,4 0 0
........
....................
$ 3 ,2 0 0
....................
$ 4 ,0 0 0 ____ ______ _________________
$ 5 ,0 0 0 _________ __________________ _

$ 1 ,2 0 0 __ _ $1,0 00 $ 500
$ 1 ,8 0 0 ____ 1, 500
750
$ 2 ,4 0 0 ____ 2 ,000
1,000
$ 3 ,2 0 0 ____ 3 .000
1,500
$ 4 ,0 0 0 ____ 4.0 0 0 2 ,000
$ 5 ,0 0 0 ____ 5.000 2, 500

$ 1 ,0 0 0
1,500
2,000
3.000
4.000
5.000

149
INSURANCE

PLANS

- Continued

ACCIDENT AND SICKNESS

HOSPITALIZATION

Duratidn o f benefits
C ases
co v e re d

N onoccupational

Daily
benefit
or
se rv ice

Except
P eriod

$35 p er w eek

A fter
age—

Benefits lim ited

13
weeks
p er d is ­
ability

Extended
cov era ge

B enefits begin

A ccident

1st day

Maximum
room and
board
allow ance

Duration
Days

Daily
amount

Extra allow ance P e r
o r se rv ice
yea r

P er
d isa ­
bility

E m ergency
out-patient
ca re

E m ployee

8th day
$9

X

"

Up to $450

X

Up to $350

X

Up to $300

X

Up to $450, plus
up to $10 am bu­
lance allow ance
p e r trip and $20
p e r d isability

$315

35 days

Up to $240

X

Up to $220 4

Dependents
Up to $7

$245

35 days

Up to $350, plus
up to $10 ambu­
la n ce allow ance
p e r trip and $20
p e r d isability

E m ployee

(l )

(l )

H

(l )

(l )

(l )

Up to $10

70 days 2

—

—

$700

Up to $300 2

—

!
Dependents

Up to $8

N onoccup ational

Annual straigh ttim e b a s ic wage
L e s s than
$ 1 ,2 0 0 to
$ 1 ,8 0 0 to
$ 2 ,4 0 0 to
$ 2 ,8 8 0 to
$ 3 ,2 0 0 to
$ 4 ,0 0 0 to

$1.
$1.
$2,
$2,
$3,
$4,
$5,

2 0 0 ___
8 0 0 ___
4 0 0 ___
8 8 0 ___
2 0 0 ___
0 0 0 ___
0 0 0 ___

W eekly 13
ben efit weeks
p er dis
$10
ability
15
20
25
30
35
40

1st day

1
|
$560

70 days 2

8th day

Up to $240*

E m ployee
Up to $11

365 days

—

—

|
! $4,015

Up to $220 3

—

Dependents
Up to $11

120 days

$ 1 ,3 2 0

Up to $220, plus
75 p ercen t o f
additional
ch arges 3

Up to $220, plus
75 p ercen t o f additional charges 4

I
1 No accid en t and sick n ess insurance benefit provided by plan; em ployees co v e re d by paid s ic k leave plan.
2 If daily ro o m and b oa rd ch arge is le s s than m aximum allow ed, d ifference m ay be used to extend duration beyond 70 days o r to c o v e r co s t o f extra s e rv ice s beyond m axim um sp e cifie d .
3 A lso payable in con nection with su rg e ry p erform ed in d o c to r ' s o ffice and in hospital when individual is not a b ed patient. U se o f com pany-ow ned am bulance, if a v a ilab le, provided to em ployee
only at no co s t.
FRASER lso p rov id ed fo r m iscella n eou s s e r v ic e s ren dered in connection with e m ergen cy a ccid en t ca re in d o c t o r 's o ffic e .
4 A

Digitized for


150
SELECTED

V arious em p loyers
(St. L ou is, M o. area)
M achinists, D istrict 9
(A F L )

Septem ber 1954

Up to schedule
allow ance
a ccep ted a s full
payment if annual
incom e is under—

E m ployee

O peration schedule—
selected allow an ces
C o ve rs
ca s e s
E m ployee

AND

MEDICAL

SURGICAL

COMPANY, UNION,
AND
DATE OF INFORMATION

HEALTH

Dependents

Up to schedule
allow ance
a ccep ted as full
payment if annual
in com e is under—

O ffice

M axim um schedule allow ance H ospital,
I$200
o ffic e , hom e,
elsew h ere
T on sillecto m y
Up to $ 45
IUp to $30

H ospi­
tal
Up to
$4 per
vis it

liloo

M axi-" M axi­
mum
mum
number number
visits
days
S ickness A ccident
paid
paid
fo r
fo r
B enefits begin

Allow ance
M axim um
com pensation

E ls e ­
where

$200 per year

1st
v is it

1st
visit

1 p er
day

1st
v is it

1st
v is it

1 per
day

—

A ppendectom y
Up to $150
Up to $ 100

Maxim um schedule allow ance H ospital,
o ffic e , hom e,
elsew here
ectom y
T on sillecto m y_____

Alaska Salmon Industry,
Inc.
Alaska Fisherm en* s
Union (in d .);
C ordova D istrict F ish e rie s
Union (in d .)

Under
TJFto"BZTSr,. r r r" age 15,

Nonhospital ca re

?300----------- f$2<55

Up to $ 5 Up to $4
p e r v is it per visit

__

Up to $5 $250 p e r d isa b ility
per v isit

__

up to $25;

over age 15,
During and a fte r h ospitalization

up to $35
D ecem b er 1954
Appendec tom y
TTp’t o T l W ----- Up*to $TD0 ■

Up to $3 Up to $2 Up to $3
p e r v is it per visit p er visit

(l )

Kennecott C opper C o rp o ration, W estern Mining
D ivisions
V arious unions
D ecem ber 1954

Maxim um schedule allow ance H ospital,
o ffic e , hom e,
elsew here
T on sillecto m y
Up to $45
|Up to $45

j m --------------------------------$300

_______ A ppendectom y
Up to $150
|Up to $150

$200 p er disa b ility

1st
v is it

1st
v is it

H ome
and
o f f ic e :
3 p er
d is a b i li t y 1

H ospital:
p e r d isa b ility

1st
day

1st
day

Non
com pany
doctor* 8
o ffic e :
1 p er
day

(l )
.ompany $3 fo r
doctor *si each
day o f
Full cost( confine^
m ent
Non.
company
doctor* s
o ffice:
$3 per
visit

llfo

Com pany d o c t o r 1s
o ffic e :
F u ll co s t
N oncom pany doctor* s
o ffic e :
U nlim ited p e r
d isa b ility

Payable only in connection with d isa b ility causing hospitalization and within the 31-d a y p e rio d follow ing at le a st 7 days o f hospital confinement.




H ospital:
120 p er
d isa b ility
Company
d o cto r*
o ffic e :
U nlim ited
p er d isa ­
b ility

151

INSURANCE

PLANS

- Continued

MEDICAL - Continued

MATERNITY PROVISIONS

Dependents

H ospi­ E ls e ­
H ome O ffice
where
tal
Up to
$ 4 p er
visit

Maxim um
com pensation

$200 p e r year

Surgical

H ospitalization
Maxi­ M axi­
mum
mum
Other
number number p ro v isio n s
A c c i ­ v i s it s
days
dent
paid
paid
for
fo r

B enefits begin
Sick­
ness
1st
visit

1st
visit

1 per
day

A ccident
and
sickn ess

R egular
benefits
fo r 6
weeks

Daily
benefit D ura­
or
tion
s e rv ice

Maximum
room and
board
allow ance

35
days

__
Up to
$450, plug _
up to $ 10
ambulance
allow ance
p er trip
and $20
p er d is a ­
b ility

$315

B enefits available to
newly insured

e e and dependent:
A fter 9 months

E m ployee
$9

M edical

Schedule
E xtra
allow ance Amounts
allow ance Lump
for
and
sum
or
norm al lim itations
s e rv ice s
d e liv ery

Up to $75

Dependent
Up to
$7

Up to U p to
$3 p er $3 p er
visit
v is it

$200 p er d isability 2d
visit

1st
visit

1st
day

1st
day

per
d isa ­
b ility

E m ployee
only:
l6rugs and
m e d ic in e s,
p rescrib ed
by c o m ­
pany d o c ­
tor fu r ­
nished
without
co s t , if
treated in
o ffice

T otal room and b oa rd ch arges and ch arges fo r extra s e rv ice s lim ited to $100.




__

Up to
$350, plus
up to $ 1 6
ambulance
allow ance
per trip
and $20
per d isa ­
bility

Up to $50

E m ployee only

$10

$360 p er disa b ility

$245

1 per
day
Up to

$3 fo r
each
day o f
con ­
fin e ­
m ent

35
days

R egular
b enefits
fo r 6
weeks

(l )

Up to d if­
feren ce
between
total room
and b oard
charges
and $100

E m p loyee:
If pregnancy com m ences while
insured
Up to $75

E m ployee and dependent

E m p loyee and dependent:
H ospitalization and surgical—
a fte r 9 months

Up to Up t > $50

$100

E m p loyee:
A ccid en t and sickn ess— if p r e g ­
nancy com m en ces while insured

152
S E L E C T E D

COMPANY, UNION.
AND
DATE OF INFORMATION

Dependents o f re tire d em ployee

R etired em ployee
T yp es and amounts
L ife insurance

E m ployee only

M achinists, D is tr ic t 9
(AFL)

AND

EXTENSION OF BENEFITS TO—
(must be at lea st on group rate b a s is)

OTHER B E N E FITS 1
*

V arious em p loyers
(St. L ou is, M o. area)

H E A L T H

A ccid en ta l
death and
di sm em oerm ent

Hospitalization

S urgical

M ed ica l

( a>

(•)

(*)

(*)

(a)

L ife
insurance

H ospitali­
zation

S urgical

M ed ical

(a)

( a)

( a)

(3)

(3)

(3)

D iagn ostic X -r a y and la boratory exam ination
allow ance fo r nonhospitalized ca s e s — up to $50 fo r
any one in ju ry o r fo r all sick n esses during any 12
con secu tiv e months

Septem ber 1954

Alaska Salm on Industry,
Inc.
Alaska F is h e r m e n 's
Union (In d .);
Cordova D is tr ic t F is h e rie s Union (in d .)
D ecem b er 1954

L a b ora tory and X -r a y exam ination allow ance (if not
otherw ise co v e re d b y plan)
E m ployee— up to $ 50 p er disa b ility
Dependents— up to $25 p er disability
Additional a ccid e n t expense allow ance (fo r expenses
in e x cees o f those c o v e re d b y other plan benefits)
Emplovee-^— to $300
up
Dependents— up to $150
P o lio allow an ce (fo r expenses in e x c e s s o f th o s e
co v e re d b y other plan benefits in cu rre d within 3
yea*s a fter date o f con traction)
E m ployee—h ip to $ 5 , 000
Dependents— up to $ 1,500

Kennecott Copper
C orporation , W estern
Mining D ivisions
V arious unions
D ecem b er 1954

E m p loyee only
L a b o ra to ry and X -r a y exam ination allow ance fo r
nonhospitalized ca ses—-up to $75 p er year

$ 1 ,0 0 0 o r 30
p e rce n t o f amount
in e ffe ct im m ed i­
a tely p r io r to
re tirem en t,
w hichever greater

(3)

(3)

(3)

Supplem ental a ccid en t expense allow ance (fo r
expenses in e x c e s s o f those co v e re d b y other plan
benefits in cu rred within 90 days a fter accident)—
up to $300
M a jor m e d ica l expense allow ance— 90 p ercen t o f
m ed ica l expen ses up to m axim um o f $ 5 ,0 0 0 after
deducting the total amount re c e iv e d under the other
plan benefits o r $300, w h ichever greater

1

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

An employee retired or terminated may carry his insurance, without accident and sickness benefits, for one year, if he remains unemployed.
3
Employees retiring on disability pension and their dependents continue to be covered by hospitalization, surgical and medical benefits for 24 months or until age 65, whichever occurs first,
http://fraser.stlouisfed.org/ continue to contribute towards cost of these benefits.
provided they
Federal Reserve Bank of St. Louis

153
INSURANCE

PLANS

- Continued

FINANCING
Benefits for
employee

Benefits for employee*s
dependents

Benefits for retired
employee

Benefits for dependents
of retired employee

Amount of contribution for—
Benefits for employee and dependents

Company
Company Jointly Employee Company Jointly Employee Company Jointly Employee
Jointly
only
only
only
only
only
only
only
X

X

( 1)

X

X

Full cost— $9.10
per month

(l )

X
(*)

Life, accidental death and dismem- Balance of cost
berment insurance and accident and
sickness benefits:
Annual straightMonthly
time basic wage
contribution
Less than
$1,200 to
$1,800 to
$2,400 to
$2,880 to
$3,200 to
$4,000 to

$1,200
$1,800
$2,400--------$2,880
$3,200______
$4,000
$5,000

Employee

Company

(M

Employee's benefits:
Full cost— $64.46
per season

Dependents* benefits:
Full cost

X

X

Company

Employee

Benefits for retired employee
and dependents

Full cost*

$1.00
1.49
1.99
2.81
2.99
3.81
4.63

Other benefits:
Benefits for employee only, $1.00
per month; for employee with
dependents, $3.503
1 An employee retired or terminated may carry hie insurance, without accident or sickness benefits, for 1 year, if he remains unemployed, provided he pays full cost of these benefits, $7. 59 per
month.
r
Applicable only to life insurance. Employees retiring on disability pension and their dependents continued to be covered by hospitalization, surgical and medical benefits for 24 months or until
age 65,
 whichever occurs first, provided they continue to contribute towards the cost of these benefits.
If husband and wife are employees of company, the husband contributes $2. 50 monthly and the wife $1.00.



154
SELECTED

ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

Bituminous coal industry,
various employers

AND

ACCIDENTAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

Amount

If permanently and totally disabled
New employees
become
eligible- -

HEALTH

Amount
Before
age—

Immediately or
1st of following
month

$1,000*

At any
age

After 6 months'
employment

$1,0001*
2

60

Insurance is—
Maintained

Cases
covered

Paid in—

Graduated
according to—

MultiSingle
Death dismem­ dismem­
berment berment

X

United Mine Workers (Ind.)
January 1955

Stanolind Oil and Gas
Company

25 percent

Installments—
75 percent

Stanolind Employees
Bargaining Agency (Ind.)
October 1954

Construction industry,
Associated General
Contractors of America,
and other employers
(Northern California)
Carpenters (AFL)
June 1954

Construction industry,
various employers
(Western Pennsylvania)
Various AFL unions

1st of March or
$1,000
September imme­
diately following
Fund's semi­
annual work
period in which
employee had at
least 600 hours'
covered employ­
ment9

60

X

Nonoccupational;
occupa­
tional

$1,000 $500

$1,000

Upon completion * 1,500
of 4 months' con­
tributions by
employer, cover­
ing minimum of
200 hours' work

60

X

Nonoccupational

$1,500 $750

$1,500

August 1954

1 Funeral expense of $350 immediately on death, additional $650 in eleven equal monthly payments of $50 and a twelfth final payment of $100; if no surviving dependents, benefit limited to
funeral expense of $350.
2 Additional insurance provided on a contributory basis.
 Fund* s semiannual work periods are from August through July and from September through June.
9 The



155

INSURANCE

PLANS

- Continued

ACCIDENT AND SICKNESS

HOSPITALIZATION

Duratidn of benefits
Cases
covered

Benefits begin

Except

Amount
Period

After Benefits limited
to—
age—

Accident Sickness

Daily
benefit
or
service

Extended
coverage
Duration
Days

Maximum
room and
board
allowance

Daily
amount

Extra allowance Per
or service
year

Per
disa­
bility

Emergency
out-patient
care

Employee and dependents 1

—
1
1
1
1
1
Coinplete paym ent fo:r hospital

a

1
1
1
1
1
ire for whatever period care iis reqiaired

Required services
provided

Employee and dependents
(a)

(•)

(*)

(2)

(*)

<*>

(2)

$8

$248

31 days

Up to $ 120

X

Employee and dependents
(3)

(3)

Nonoccupational

$30 per week

(3)

13
weeks
per dis­
ability

(3)

(3)

(3)

1st day

<
3)

Ward
21 days
accommo­
dations

8th day

180

50 percent
of cost of
ward ac­
commo­
dations

Full cost of
specified
services for 1st
21 days; 50 per­
cent of cost
for additional
180 days



Required services
provided

X

Up to $ 120 4

Employee and dependents
Up to $10 70 days

$700

Up to $ 120, plus
up to $20 ambu­
lance allowance

* Widow and dependent children eligible for benefits during 12-month period following death of miner.
No accident and sickness insurance benefits provided by plan; employees covered by paid sick leave plan.
No accident and sickness insurance benefits provided by plan; employees covered by the California State temporary disability law. See Appendix A.
4 Also provided for X-ray charges incurred in doctor1s office because of accident.

3

X

156
SELECTED

Bituminous coal industry,
various employers

Up to schedule
allowance
accepted as lull
payment if annual
income is under—

Covers
cases
Dependents

Complete payment provided

United Mine Workers (ind.]
January 1955

Stanolind Oil and Gas
Company
Stanolind Employees
Bargaining Agency (ind.)
October 1954

Construction industry,
Associated General
Contractors of America,
and other employers
(Northern California)
Carpenters (AFL)

Employee

Operation scheduleselected allowances
Employee

Hospital,
out-patient
clinics, and
specialist* s
office

Maximum schedule allowance Hospital,
$225
office, home,
elsewhere
Tonsillectomy
Up to $37.50 Up to $37. 50

jz z s

Up to schedule
allowance
accepted as full
payment if annual
income is under— Home

Office

Hospi­
tal

Maxi­
Maxi­
mum
mum
number number
visits
days
Sickness Accident paid
paid
for
for
Benefits begin

Allowance
Else­
where

Maximum
compensation

Complete payment for medical care in the hospital and in out-patient clinics; also provides for diagnosis and
treatment by specialist in and out of hospital

$3 for
each
day of
confine­
ment

$93 per disability

1st day 1st day

Appendectomy
Up to $150
IUp to $150

Maximum schedule allowance Hospital,
-------------- office, home,
elsewhere
Tonsillectomy
Up to $ 50
Up to $50

j m -----------f

Appendec tomy
Up to ?I50
IUp to $150

June 1954

Construction industry,
various employers
(Western Pennsylvania)
Various AFL unions
August 1954

Maximum
schedule
allowance

j m -----------

Hospital,
office, home,
elsewhere

Tonsillectomy
Up to $30
Appendectomy
Up to $100

2 Widow and dependent children eligible for benefits during 12 months following death of miner.
If surgical operation performed,maximum allowance is greater of (a) $3 for each day of hospital confinement up to day of operation; or (b) $3 for each day of confinement minus surgical

operation
 allowance.


AND

MEDICAL

SURGICAL
COMPANY, UNION,
AND
DATE OF INFORMATION

HEALTH

31 per
disa­
bility

157

INSURANCE

PLANS

- Continued

MEDICAL - Continued

MATERNITY PROVISIONS

Dependents
Allowance
Else­
Home Office Hospi­ where
tal

Maximum
compensation

Complete payment for medical care in the hospital and in out-patient clinics;
also provides for diagnosis and treatment by specialist in and out of hospital1

$3 for
each
day of
con­
fine­
ment*

$93 per disability

Surgical Medical

Hospitalization
Benefits begin Maxi­ Maxi­
Accident
mum mum
Other
and
number number provisions sickness
Sick­ Acci­ visits days
dent
paid
paid
ness
for
for

1st
day

1st
day

31 per
disa­
bility

Schedule
Extra
Daily
Maximum
Amounts
benefit Dura­ room and allowance Lump allowance
and
for
or
sum normal limitations
or
board
tion
service
allowance services
delivery
Employee and dependent

Employee
and de­
pendents:
Provides
specified
expensive
drugs and
medicines
requiring
long and
continued
use out of
hospital1

---------I
--------- 1
--------------- 1
--------------1
-------- 1
-------------1
--------

Benefits available to
newly insured

Employee and dependent:
Immediately

Complete payment for hospital and in-hospital surgical and
medical care; also includes care in out-patient clinics and
services of specialist, when required

Employee

(3)

$8

10
days

$80

Up to $80

—

Up to $ 50

Employee and dependent:
If pregnancy commences while
insured
—

Dependent
__

___

_

Up to Up to $ 50
$50

Employee and dependent

E m ployee and dependent:
A fter 9 months

Up to
$75

Regular
benefits
for 6
weeks

Employee
—

—

$100 Up to $50

—

Employee and dependent:
If pregnancy commences while
insured
—

(4)
Dependent
$ 100 maternity allowance
1 Widow and dependent children eligible for benefits during 12 months following death of miner.
2 If surgical operation performed, maximum allowance is greater of (a) $3 for each day of hospital confinement up to day of operation; or (b) $3 for each day of confinement minus surgical
operation allowance.
 accident and sickness insurance benefit provided by plan; employees covered by paid sick leave plan.
* No
4 Also provided for births occurring outside of hospital.
http://fraser.stlouisfed.org/

Federal Reserve Bank of St. Louis

158
SELECTED

COMPANY, UNION,
AND
DATE OF INFORMATION
Life insurance

Bituminous coal industry Rehabilitation benefit—special rehabilitation devices Same as for active
various employers
and care for severely handicapped and crippled
employee
miners and dependents at special medical centers;
when required, medical care follow-up of dis­
United Mine Workers
(Ind.)
charged patients is provided

Stanolind Employees
Bargaining Agency
(Ind.)

Dependents of retired employee

Retired employee
Types and amounts

Stanolind Oil and Gas
Company

AND

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

OTHER BENEFITS1

January 1955

HEALTH

Accidental
death and
dismemberment

Hospitalization

Same as for active
employee

Surgical

Medical

Same as Same as
for active for active
employee employee

Life
insurance

Hospitali­
zation

Surgical

Medical

Same as Same as
Same as
for retired
for retired for re­
tired
employee
employee
employee

Disaster benefit—small amounts provided widows
and orphans, wives and children of miners killed or
seriously injured in mines to relieve immediate
acute financial distress

Employee and dependents

$ l,0 0 0 a

General anesthesia for nonhospitalized cases—up
to $10

October 1954

Construction industry,
Employee and dependents
Associated General
Contractors of America,
and other employers
Diagnostic X-ray and laboratory examination
(Northern California)
allowance (for cases in or out of hospital)—up to
$50 for each accident or all sickness during any
12 consecutive months.
Carpenters (AFL)
June 1954

Identification allowance (for expenses involved in
Construction industry,
various employers
placing disabled employee under care of relatives
(Western Pennsylvania) or friends)— up to $100
Various AFL unions
August 1954

1 Such benefits as X-ray, anesthesia and electrocardiogram allowances may be provided under some plans, although not listed here. Reasons for not listing such benefits are set forth in
EXPLANATORY NOTES.
is also covered by the additional contributory insurance,
amount reduced
percent
 If employee or $2,000 whichever greater. If retiring prior to age 65, total to disability, full50 percent immediately and 5 65, then annually thereafter to minimum of 25 percent of amount in effect
prior to retirement
due
amount maintained until age
reduced accordingly.



159

INSURANCE

PLANS

- Continued

FINANCING
Benefits for
employee

Benefits for employee*s
dependents

Company Jointly Company Jointly
only
only

X

__

only

Jointly Employee
only

X

X

X

___

only

Benefits for retired
employee

X

.

X

Benefits for dependents
of retired employee

Amount of contribution for—
Benefits for employee and dependents

only

Jointly

only

Employee

_

_

Employee

_ _

_

Hospitalization, surgical and
medical benefits:
Benefits for employee only, $1.07
per month; for employee and
dependents, $4.00

Life insurance:
Full cost*

Company
Full cost1

Full cost1

X

_

Company

Benefits for retired employee
and dependents

____

Full cost

Other benefits:
Balance of cost

X

X

Full cost— $0,075
for each hour
worked3

X

X

Full cost— $0,075
per hour worked

1 Employer* contribute $0.40 per ton of coal produced for use or sale to the United Mine Workers* Welfare and Retirement Fund for health, welfare and pension benefits. In addition, the fund has
authorized loans to Memorial Hospital Associations in Kentucky, West Virginia, and Virginia for the construction and operation of hospitals throughout the coal mining areas of these States.
Employee covered by additional life insurance contributes towards cost.
 March 1, 1955, contribution to be increased to $0.10 for each hour worked.
3 On



1 1>0

SELECTED

E L IG IB IL IT Y
R E Q U IR E M E N T S

C O M P A N Y , U N IO N ,
AND

P ainters, D istrict
Council 9 ( A F L )
Ja n u a ry

1955

Amount

If perm anently and totally disabled
Amount
B efore
age—

Insurance is—
Maintained

A ssociation o f M aster
Painters and D ecora tors
of the City of New York

C ases
c o v e re d

Paid in—

Graduated
a cco rd in g to—

Multi Single
Death d ism e m ­ d ism e m ­
berm ent berm ent

Regular b en efits:1
H onorary L i f e , H onorary, B e n e ficia l, P a rtial B«jn e ficia l, and N onbeneficial m em bers le s s than age 60 when b ecom in g a union m em b er
1st o f month in
which follow ing
$ 1 ,0 0 0 $500
N o n o ccu X
60
requirem ents a re $ 1 ,0 0 0 1
pational;
met: 6 m onths'
o cc u p a ­
union m e m b e r­
tional
ship; earned at
least $ 1 ,2 0 0 from
contributing e m ­
A pprentices
p loyers during
p receding 12
months; and at
—
$500
$250
N on occu 60
$500 1
X
lea st 1 day* s
—
pational;
cov ered em p loy­
o ccu p a ­
m ent during p r e ­
tional
ceding 5 months
(2)

L ife insurance:
A fter 1 y e a r 1s
em ploym ent

S treet, E le c tr ic R ailw ay
and M otor Coach
E m ployees (AFL)

Other benefits:
Im m ediately o r
1st o f follow ing
month

F ebruary 1955

N on occu pational;
o cc u p a ­
tional

60

$ 2 ,0 0 0

S erv ice
L ess than 5 years
5 to 10 yea rs „
10 yea rs and over

—

$100

Installments
o r lump sum
(optional)

In su ra n ce3

__

__
w __
_

__
- _

_

$300
400
500

P r io r to qualifying fo r regu la r b en efits, em ployee b eco m e s eligib le fo r $100 life insurance on fir s t o f month following month in which he had one d a y 's c o v e r e d em ploym ent.
H onorary L ife m em b ers not m eeting these requirem ents b ecom e insured on fir s t day o f month coin cid in g with o r next follow ing day o f b ecom in g such m e m b e rs .
to the $ 2 ,0 0 0 .

P
 rov ided in addition


$ 1 ,0 0 0

$500

N onbeneficial m em b ers age 60 o r ov e r when becom ing union m em b er
$100 1

Public S ervice C o o rd inated T ransp ort
(Newark, N. J .)

AND

ACC ID E N TAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

New em p loyees
b ecom e
eligib le—

DATE OF INFORMATION

HEALTH

$50

$100

161
INSURANCE

PLANS

- Continued

HOSPITALIZATION

ACCIDENT AND SICKNESS

Duratidn of benefits
C ases
co v e re d

N onoccupational

$10

p er week

(l )

(l )

13
weeks
p er d is ­
a bility

(l >

N onoccup ational

Daily
benefit

E xcept
A fter
age—

$30 p er week

13
weeks
per
year

60

n

Benefits lim ited

13 weeks during
any 12 con secu ­
tive months

Extended
cov era ge

B enefits begin

Days

A ccident

1 st

day

8 th

n

8 th

day

Extra allow ance P e r
o r s e rv ice
year

21

days

50 p ercen t
o f co s t o f
s e m iprivate
room

F u ll co s t o f
sp e cifie d
s e r v ic e s fo r 1st
21 days; 50 p e r ­
cent o f co s t fo r
additional 180
days

E m ergency
out-patient
ca re

Up to $ 7 .2 5

E m ployee and dependents

day
S em i­
private
ro o m

120

days 3 245 s Up to $5

F u ll co s t o f
s p e cifie d
s e r v ic e s

Not available to a p p ren tices.
B enefit p e rio d m ay b e extended by W elfare C om m ittee.
Employees and dependents over age 70 allowed a maximum o f 20 days per year.
FRASER ls o p rov id ed fo r a m axim u m o f 3 days fo r any one accident o r condition requiring op era tive su rg e ry o f a cutting nature, if r e g iste re d as an ou t-p a tien t in h ospital.
A

Digitized for


P er
d isa ­
bility

E m ployee and dependents
S e m iprivate
ro o m

8 th

Daily
amount

day

(l )

Maximum
room and
board
allow ance

R equired se rv ice s
p rov id ed 4

162
SELECTED

Up to schedule
allow ance
accep ted as full
payment i f annual
incom e ie under—

A ssocia tion o f M aster
P ainters and D ecora tors
o f the City of New Y ork

E m ployee

Operation schedule-—
selected allow ances

E m ployee

Dependents

C o v e rs
ca s e s
in—

Up to schedule
allow ance
accep ted as full
payment if annual
incom e is under—

H om e

O ffice

H ospi­

tal

Maxi^~ Maxi­
mum
mum
number number
visits
days
Sickness Accident paid
paid
for
for
Benefits begin

A llow ance
M axim um
com pensation

E ls e ­
where

P rovided by the Health Insurance P lan o f G reater New Y o r k 1

P rov id ed b y
the Health
Insurance Plan
o f G reater
New Y o r k 1

P a in ters, D is trict
Council 9 (AFL)

AND

MEDICAL

SURGICAL

COMPANY, UNION,
AND
DATE OF INFORMATION

HEALTH

January 1955

Public S ervice C o o rd i­
nated T ra n sp ort
(Newark, N . J .)

Subscriber* s
annual in com e:
$ 5 ,0 00

Street, E le c tr ic Railway
and M otor Coach
E m ployees (A FL)

M axim um schedule allow ance Hospital

jm ------------- p tm ------------

Subscriber* s
annual income:
$ 5 ,0 00

T on sillecto m y
Up to $50
Up to $50
Up to

e
tnde< t o m y _____
Up t o $ 125

F ebruary 1955

1

See A ppendix B .

 E m ergen cy su rg ica l


allow ance o f up to $25 fo r treatm ent in h om e, o ffic e o r elsew h ere a lso p ro v id e d .

1 st day,
up to

$10;

th ere­
a fte r,
up to
$5 per
day

$110

per year

1 st

day

1 st

day

per
year

21

163

INSURANCE

PLANS

- Continued

MEDICAL - Continued

MATERNITY PROVISIONS

Dependents

H ospi­ E ls e ­
Home O ffice
w here
tal

S urgical

Ho spitali zation
Maxi­ M axi­
mum
mum
Other
number number p ro v isio n s
A c c i ­ visits
days
paid
dent
paid
for
fo r

Benefits begin

A llow ance
M axim um
com pensation

A ccid en t
and
sick n ess

R egular
benefits
fo r 13
weeks

Daily
benefit D ura­
or
tion
s e rv ice

Maximum
room and
board
allow ance

M edical

Schedule
Extra
allow ance Amounts
allow ance Lurr.p
and
fo r
or
sum
norm al lim itations
s e rv ice s
d e liv e ry
E m ployee

B enefits available to
newly insured

E m ployee:
A ccid en t and sickness— if p re g ­
nancy com m ences while insured
Other benefits— im m ediately

Up to P ro v id e d by the
$80
Health Insurance
Plan o f G reater New Dependent:
Y ork1
Im m ediately

—

Dependent
Up to
$80

1 st
day,
up to

$10;
th e re ­
a fte r ,
up to
$5 p er
day

See Appendix B,




$110

p er yea r

1 st
day

1 st

day

p er 2 in yea r
hospital
con su lta­
tion a llo w ­
ances p er
yea r: 1st
con su lta­
tion, up
to $15; 2d
con sulta­
tion, up
to $5

E m ployee and dependent

21

S em i­ 7
private days
ro o m

F u ll c o s t
o f s p e c i­
fied
s e rv ice s

E m ployee and dependent:
A fte r 240 days
Up to
$125

164
SELECTED

AND

EXTENSION OF BENEFITS TO—
(must be at lea st on group rate b a s is)

OTHER BENEFITS 1
COMPANY, UNION,
AND
DATE OF INFORMATION

Dependents o f re tire d em ployee

R etired em ployee
Types and amounts
L ife insurance

A ssocia tion of M aster
Painters and D e c o r a tors of the City o f
New York

HEALTH

A ccid ental
death and
dism em berm ent

Hospitalization

Surgical

M ed ica l

L ife
insurance

H ospitali­
zation

S urg ical

M ed ical

E m ployee only
P rov ided b y the Health Insurance Plan o f G reater
New York 2

P a in te rs , D istrict
Council 9 (A FL)
January 1955

P ublic S ervice C o o r d i­
nated T ransp ort
(Newark, N. J .)

$ 2 ,0 0 0

Same as fo r active
em ployee

Same as Same as
fo r active fo r a ctive
em ployee em ployee

Sam e as
Sam e as Sam e as
fo r re tire d fo r r e ­
fo r re tire d
tired
em ployee
em ployee
em ployee

S treet, E le c tr ic R ailw ay
and M otor Coach
E m ployees (AFL)
F ebruary 1955

____________
1 Such benefits as X -r a y , anesthesia and e le ctro ca rd io g ra m allow ances m ay be p rov id ed under som e plan s, although not liste d here.
EXPLA
FRASERN ATO RY NOTES.
2 See A ppendix B .

Digitized for


R easons fo r not listin g such benefits a re se t forth in

1 65

INSURANCE

PLANS

- Continued

FINANCING
B enefi s for
em ployee

B enefits fo r e m p lo y e e 's
dependents

Benefits fo r retired
em ployee

B enefits fo r dependents
o f retired em ployee

Amount of contribution fo r—
B enefits fo r em ployee and dependents

only

Jointly

E m ployee Company
Employee Company
Company
Jointly
Jointly
Jointly
only
only
only
only
only

only

E m ployee

X

X

X




Company

B enefits fo r retired e m
and dependents
E m ployee

p lo y e e

C om pan y

F ull co s t— 4 p ercen t
o f w eekly pa yroll

X

X

X

L ife insurance (flat amount):
$ 1 per month
H ospitalization, su rg ical and
m ed ical benefits:
B alance o f c o s t

L ife insurance (fiat
amount):
B alance o f co s t
L ife insurance based
on earnings and
accid ent and sickness
benefit:
F ull c o s t
Other benefits:
B enefits fo r e m ­
p loyee only (without
m atern ity), $ 1 .0 0
per month; fo r e m ­
ployee as s o le parent
and ch ildren (without
m aternity), $ 2 .0 0 ;
fo r em ployee and
wife o r husband
(without m atern ity ),
$ 2 .5 0 ; fo r em p loy ee,
wife o r husband, with
o r without ch ildren
(and m aternity),
$ 3 .0 0

Same as active
em ployee

Same as for
active em ployee

166
SELECTED

ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

AND

A CCIDEN TAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

If perm anently and totally disabled
New em p loyees
b ecom e
eligib le—

Amount
B efore
age—

C ases
co v e re d

Insurance is
Paid i

Twin City Rapid T ran sit
Company (M inn eapolis,
Minn.)

HEALTH

A fter 6 m onths'
em ploym ent

S erv ice

Insurance

L ess than 5 y e a r s _______________________________
5 to 10 y e a r s ____________________________________
10 years and o v e r ------------------------------------------------

S treet, E le c tr ic R ailw ay
and M otor Coach
E m ployees (AFL)

$ 1 ,5 0 0
2 ,000
2,500

60
and in ­
sured
1 year

Graduated
a cco rd in g to—

Multi Single
Death d ism em ­ d ism e m ­
berm ent berm ent

Installments

O ctober 1954

Trucking industry, (lo ca l
cartage and o v e r -th e -r o a d
freigh t), various a s s o c ia ­
tions and individual
em ployers (C entral States
Southeast and Southwest
areas)

1st o f month f o l ­
lowing 2 months
of contributions
by em p loyer fo r
em ployee

$ 2 ,5 0 0 $ 1 ,2 5 0

$ 2,5 00

Installments

N onoccupational;
o cc u p a ­
tional

$ 2 ,5 0 0 $ 1 ,2 5 0

$ 2 ,5 0 0

Installments

N onoccupational;
o cc u p a ­
tional

E m ployee
$ 2 ,5 0 0

60

—

Dependent wife

T eam sters (AFL)
$500
August 1954

National A utom obile
T ra n sp orters A ssocia tion
T e a m sters, National
T ruckaway and D riveaw ay
C onference (A FL)

A fter 3 m onths'
cov ered em p loy ment

E m ployee
$2,50.0

60
Dependent wife

August 1954




$500

—

167

INSURANCE PLANS - C n u d
o tin e
A C C I D E N T A N D S IC K N E S S

H O S P IT A L IZ A T IO N

D u r a t id n o f b e n e f i t s
C ases
covered

E x cep t

A m oun t
P e r io d

—

—

(M

(M

A fte r
age—

B e n e fit s lim it e d
to—

A c c id e n t

S ic k n e s s

—

—
(* )

E x te n d e d
coverage

B e n e fit s b e g in

—
n

D u r a t io n
D ays

D a il y
am ount

M a x im u m
r o o m and
board
a llo w a n c e

E x tr a a llo w a n c e
o r s e r v ic e

P er
year

P er
d is a ­
b ilit y

—

X

E m ergen cy
o u t - p a t ie n t

E m p lo y e e

—

(* )

D a ily
b e n e fit
or
s e r v ic e

(M
U p t o $ 11

31 d a y s

—

—

$341

F u ll c o s t o f
s e r v ic e s

—

D ep en d en ts

U p to $ 9

N on occu p at io n a l

$20 p er w eek

13
w eeks
p er d is ­
a b ilit y

—

—

1st d a y

31 d a y s

$279

X

F u ll c o s t o f
s e r v ic e s

E m p lo y e e

8th d a y

U p to $ 10

31 d a y s

—

—

$310

U p to $ 2 0 0

X

U p to $ 2 5

X

—

U p to $ 2 5

X

U p to $ 2 0 0

X

U p t o $ 160

D e p e r :d e n ts

U p to $ 8

N on occu p at io n a l

T w o -th ir d s o f a v e r a g e
w e e k ly w a g e —
M a x im u m — $ 2 0

13
w eeks
p er d is ­
a b ilit y

—

—

1st d a y

$248

31 d a y s

U p to $ 160

E m p lo y e e

8th d a y

U p t o $ 10

31 d a y s

—

—

$310

U p to $ 2 0 0

—

D ep en d en ts

U p to $ 8

1

31 d a y s

N o a c c i d e n t a n d s i c k n e s s i n s u r a n c e b e n e f i t p r o v i d e d b y p la n ; e m p l o y e e s c o v e r e d b y p a i d s i c k l e a v e p l a n .




$248

U p to $ 1 6 0

18
6
SELECTED HEALTH AND
SURGICAL

COMPANY, UNION,
AND
DATE OF INFORMATION

Twin C ity Rapid T ransit
Company (M inneapolis,
M inn.)
S treet, E le c tr ic Railway
and M otor Coach
E m ployees (A FL)

Up to schedule
allow ance
a ccep ted as full
payment if annual
incom e is under—

MEDICAL
E m ployee

O peration schedule—
selected allow an ces
C o v e rs
ca s e s
E m ployee

Dependents

M axim um schedule allow ance H ospital,
o ffic e , hom e,
$150
elsew h ere
Tons ille c tom
Up to $30
I Up to $25

$200

A ppendectom y

tip T oT iw — w i i j m

O ctober 1954

Trucking industry (lo ca l
cartage and o v e r .t h e .
road freig h t), various
associa tion s and individ­
ual em p loyers (Central
S tates, Southeast and
Southwest a reas)

imr

M axim um schedule allow ance H ospital,
o ffic e , hom e,
elsew h ere
T on sillecto m y
Up to $45
Up to $30

jm r

A ppendectom y
Up to $175
|Up to $100

T eam sters (AFL)
August 1954

National Automobile
T ra n sp orters A ssocia tion
T e a m sters, National
Trackaw ay and Driveaway
C onference (AFL)
August 1954




Maxim um schedule allow ance H ospital,
o f f ic e , h om e,
$200
elsew h ere
T on sillecto m y
Up to $45
Up to $30

JW T

Appendec tom y
Up to $150
Up to $ 100

Up to schedule
allow ance
accep ted as full
payment i f annual
incom e is under—

Maximum
O ffice

Up to
$3 p er
vis it

M axiM aximum
mum
number number
visits
days
S ickness A ccident
paid
paid
fo r
fo r
B en efits begin

A llow ance
H ospi­
tal

E ls e ­
where

Up to
$2 p er
vis it

Up to
$3 per
visit

Up to
$3 p er
visit

com pensation

$150 p er disa b ility

H ospital; H ospital: 1 p e r
1st v is it 1st v is it day
E ls e ,
where:
1st v is it

169

INSURANCE PLANS - C n u d
o tin e
M EDICAL - Continued

MATERNITY PROVISIONS

Dependents
A llow ance
H ospi­ E ls e ­
O ffice
tal
where

Maxim um
com pensation

Surgical

H ospitalization
M axi­ M axi­
B enefits begin mum
mum
Other
number number p rov ision s
days
Sick­ A c c i ­ visits
dent
paid
ness
paid
for
fo r
If disabled
fo r at
least 7
days, en­
titled to
3 visits
within 31
days after
returning
to work

A ccid ent
and
sickness

Daily
benefit D ura­
or
tion
s e rv ice

M edical

Schedule
Extra
allow ance Amounts
allow ance Lurrp
and
fo r
or
sum
norm al lim itations
s e rv ice s
d eliv ery

Maximum
room and
board
allow ance

E m ployee
(l )
—

—

—

B enefits available to
newly insured

E m ployee:
If pregnancy com m ences while
insured
Up to Up to $50
$110

—
Dependent:
A fter 9 months

Dependent
Up to Up to $50
$90

R egular
benefits
fo r 6
weeks

E m ployee

fee and dependent:
m on th s

--------$ 100 m aternity allow1
r1
--------- 1
— --------Up to
ance
!

1

1

Dependent
Up to $120 m aternity allow ance

R egular
benefits
fo r 6
weeks

E m ployee
Up to
$10

14
days

$140

Up to
$200

__

Up to $75

E m ployee:
A ccid ent and sickness—
im m ediately

D ependent

Up to

$8

No a ccid en t and sick n ess insurance benefit provided by plan; em ployees co v e re d by paid sick leave plan.
Total room and b oard ch a rges plus ch arges fo r extra se rv ice s lim ited to $120.




(2)

Up to d if­
feren ce
between
total room
and board
changes
and $120

__

E m ployee and dependent:
H ospitalization and s u rg ic a la fter 9 months

_

Up to $ 50

10
7
SELECTED HEALTH AND
EXTENSION OF BENEFITS TO—
(must be at lea st on group rate b a s is)

OTHER B E N E FITS1
COMPANY, UNION,
AND
DATE OF INFORMATION
T ypes and amounts
L ife insurance

Twin City Rapid T ran sit
Company (M inneapolis,
M inn.)
Street, E le c tr ic Railw ay
and M otor Coach
E m ployees (AFL)

Dependents o f re tire d em ployee

R e tire d em ployee

E m ployee only

A ccidental
death and
di sm em oer ment

Hospitalization

Surgical

M ed ical

L ife
insurance

H ospitali­
zation

S urg ical

$ 1,0 00

D iagnostic X -r a y and la b ora tory exam ination
allow ance fo r nonhospitalized ca s e s — up to $25
p er disability

O ctober 1954

Trucking industry (loca l
cartage and o v e r -th e road freight) various
associa tion s and indi­
vidual em p loyers
(Central S tates, South­
east and Southwest
areas)
T ea m sters (AFL)
August 1954

National Autom obile
T ra n sp orters
A ssocia tion
T e a m sters, National
Truckaw ay and D r iv e away C onference (A FL)
August 1954

1 Such benefits as X -r a y , anesthesia and e le ctro ca rd io g r a m allow ances m ay be p rovid ed under som e p lan s, although not liste d h e r e .

EXPLAN
 ATO RY NOTES.


R easons f o r not listin g such b enefits a re s e t forth in

M edical

11
7
INSURANCE PLANS - C n u d
o tin e
FINANCING
B enefits fo r
em ployee

B enefits fo r e m p lo y e e 's
dependents

B enefits fo r retired
em ployee

B enefits fo r dependents
o f retired em ployee

Amount o f contribution fo r —
B enefits fo r em ployee and dependents

Company
Jointly
only

Company
E m ployee Company
E m ployee Company
E m ployee
Jointly
Jointly
Jointly
only
only
only
only
only
only *

X

X

X

E m ployee

Company

E m p lo y e e 's contribution v a rie s a c ­
cordin g to his life insurance
co v era ge
Amount
o£ Ufe
insurance

B alance o f co s t

Monthly contribution
Type o f co v e ra ge
E m ployee E m P1° ? e<i
.....11—
and
dependents
^

$ 1 ,5 0 0 ________$ 3 .3 7
$ 2 ,0 0 0
3 .9 2
$ 2, <500
4 .4 6

$ 5 .9 6
6.51
7 .0 5

X

X

F u ll co s t — $2 p er
week

X

X

F ull co s t — $2 per
week




B enefits fo r retired em ployee
and dependents
E m ployee

Company
Full co s t

12
7
SELECTED HEALTH AND
ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

A CCIDEN TAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

Amount

If perm anently and totally disabled
New em p loyees
becom e
eligib le—

Amount
B efore
age—

C ases
c o v e re d

Insurance is—
Maintained

Truck Owners A ssocia tion 1st of month f o l ­
o f C alifornia
lowing 1 m on th 's
co v e re d em p loy­
ment
T eam sters (AFL)

$ 2,0 00

60
A fter
age 60

Paid in—

X

—

Graduated
a cco rd in g to—

M ulti­
Single
Death d ism e m ­ d ism e m ­
berm ent berm ent

N on occu pational

$ 2 ,0 0 0 $ 1 ,0 0 0

$ 2 ,0 0 0

F o r 1 year

N ovem ber 1954

M aritim e industry,
various em p loyers
(Atlantic and Gulf
Coasts)
Seafarers (A FL)

1 d a y 's co v e re d
em ploym ent
during previou s
12 months and
union m e m b e r­
ship

$ 2 ,5 0 0

August 1954

M aritim e industry,
various em p loy ers
(Atlantic and Gulf
Coasts)

20 d a ys' co v e re d $ 3 ,5 0 0
em ploym ent
during 6 c o n se cu ­
tive months

60

X

N on occu pational;
o cc u p a ­
tional

$ 3 ,5 0 0 $ 1 ,7 5 0

$ 3 ,5 0 0

$ 3 ,5 0 0

60

X

N on occu pational;
o cc u p a ­
tional

$3,5 00 $ 1 ,7 5 0

$ 3 ,5 0 0

M aritim e Union (CIO)
August 1954

M aritim e industry,
various em p loyers
(Atlantic and Gulf
Coasts)
Marine E ngineers (CIO)
N ovem ber 1954




R egular
engineers:
30 d a ys' co v e re d
em ploym ent d u r­
ing 6 con secu tive
months
R e lie f engineers:
15 d a ys' co v e re d
em ploym ent d u r­
ing 6 con secu tive
months

13
7
INSURANCE PLANS - C n u d
o tin e
HOSPITALIZATION

ACCIDENT AND SICKNESS

Duratidn o f benefits
C ases
co v ered

Except

Amount
P eriod

A fter
age—

B enefits lim ited

A ccident

S ickness

—

—

—

—

—

(*)

0)

(l )

n

(l )

Daily
benefit
or
s e rv ice

Maximum
room and
board
allow ance

Duration
Daily
amount

Days

E xtra allow ance P e r
o r s e rv ice
year

P er
d isa ­
bility

E m ergency
out-patient

E m ployee

—

(l )

(l )

Extended
cov era ge

B enefits begin

Up to
$ 1 1 .5 0

$805

70 days

X

R equired se rv ice s
provided

X

F ull c o s t o f
s p e cifie d s e r v ­
ic e s , plus up to
$ 15 ambulance
allow ance p er
trip

Up to $500

Dependents
Up to
$ 1 1 .5 0

$ 356.50

31 days
"

N onoccupational

$15 per w eek, if con fin ed to Duratior
hospital
o f d isa ­
b ility

—

—

A fte r 1
week
retro­
activ e to
1st day

$21 p er w eek, if con fin ed to
hospital

13
weeks
p er d is ­
ability

—

—

"

E m ployee and dependents

A fter 1
week
retro­
active to
1st day
( 2)

N onoccupational;
occupational

Up to $ 500, plus
up to $ 15 am bu­
lance allow ance
p e r trip

( 2)

( 2)

<2)

(*)

(2)

( 2>

( 2)

(2)

(*)

<2)

( a>

<
a>

—

X

—

E m ployee

1st day in 1st day in
hospital hospital

(3)
( a)

(2)

(2)

(2)

( 2)
Dependents

Up to $8

i
i

31 days

Up to $ 80

$248

i_______=
_____1
N onoccupational

$21 p er w eek, if con fin ed to
hospital

13
weeks
p er d is ­
ability

—

—

E m ployee

1st day in 1st day in
hospital
hospital
_

___

_

( 2)

(3)

(2)

( 2)

__
(*)

,

<‘ )

( 2)

___

( a)

( a)

( a)

X

—

Dependents

!

Up to $14 70 days

—

—

No a ccid en t and sick n ess insurance benefits provided b y plan; em ployees c o v e re d b y the C aliforn ia State tem p orary disa b ility la w .
Seamen re c e iv e fr e e m ed ica l and su rg ical ca re in M arine hospitals and out-patient c lin ic s , under the United States M aritim e law .
B e n e f i t not payable during any p eriod fo r which benefits are payable under a S e a m a n 's W ar R is k insurance p o lic y .




$980

Up to $500

------ -------------- — -dk
-------See Appendix A .

174

S E L E C T E D

SU R G IC A L

C O M P A N Y . UNION.
AND
D A T E O F IN F O R M A T IO N

Up t o s c h e d u le
a llo w a n c e
a c c e p t e d a s fu ll
p aym en t i f annual
in c o m e i s un d er—

T r u c k O w n e rs A s s o c i a t io n
o f C a lifo r n ia
T e a m s t e r s (A F L )

A N D

M E D IC A L

E m p lo y e e

O p e r a tio n s c h e d u le —
s e le c t e d a llo w a n c e s
C ov ers
cases
E m p lo y e e

H E A L T H

D ep en d en ts

M a x im u m s c h e d u le a llo w a n c e H o s p it a l,
$300
|$300
o ffic e , hom e,
e ls e w h e r e
T o n s i l le c t o m y
Up to $ 5 2 .5 0
U p to $ 5 2 . 50

Up t o s c h e d u le
a llo w a n c e
a c c e p t e d a s fu ll
p a y m e n t i f annual
in c o m e i s u n d e r—

H om e

U p to
$5 p er
v i s it

O ffic e

H o s p i­
ta l

Up to
$3 p e r
v is it

M a x i­
m um
n u m b er
v i s it s
S ic k n e s s A c c id e n t
p a id
fo r
B e n e fit s b e g in

A llo w a n c e
E ls e ­
w here

Up to
$3 p e r
v is it

M a x im u m
c o m p e n s a t io n

$ 2 5 0 p e r 6 -m o n th
p e r io d

1 per
day

2d day

M a x i­
m um
n u m b er
days
p a id
fo r
_
_

N o v e m b e r 1954
A p p e n d e c to m y ______
U p to $ 150
Up to $ 1 5 0

M a r itim e in d u s t r y ,
v a r io u s e m p lo y e r s
(A tla n tic an d G u lf C o a s ts )

(M

(l )

(l )

(l )

(l )

<)
l

(l )

(M

(l )

(M

0)

(l )

(l )

(i )

(l )

(i )

o

<i )

(i >

(M

<*)

<)
l

(l )

(*)

(l )

( 1)

S e a fa r e r s (A F L )
A u gu st 1954

M a r it im e in d u s t r y ,
v a r io u s e m p lo y e r s
(A tla n tic and G u lf C o a s ts )

(*)

M a x im u m
s c h e d u le
a llo w a n c e
$15 0

H o s p ita l 2

M a r itim e U n ion (C IO )
T o n s ille c t o m y
Up to $ 2 2 .5 0

A u gu st 1954

A p p e n d e c to m y
Up to $ 7 5

M a r it im e in d u s t r y ,
v a r io u s e m p lo y e r s
(A tla n tic and G u lf C o a s ts )

(*)

M a x im u m
s c h e d u le
a llo w a n c e
$ 3 0 0 --------------

H o s p it a l,
o ffic e , h om e,
e ls e w h e r e

(l )

M a r in e E n g in e e r s (CIO )
N o v e m b e r 1954

T o n s i l le c t o m y
Up to $ 4 5
A p p e n d e c to m y
Up to $ 1 5 0

1 S e a m e n r e c e i v e f r e e m e d ic a l and s u r g i c a l c a r e in M a r in e h o s p it a ls and o u t -p a t ie n t c l i n i c s , u n d er the U n ite d States M a r it im e la w .
c a r e in d o c t o r 1 s o f f i c e a l s o p r o v id e d .

2 Em
 e r g e n c y s u r g i c a l


175

I N S U R A N C E

P L A N S

-

C o n tin u e d

M E D IC A L - C on tinued

M A T E R N IT Y PR O V ISIO N S

D e p e n d e n ts
A llo w a n c e

H om e

O ff ic e

_
_

_
_

H o s p i­ E l s e ­
w here
ta l

U p to
$3 p er
v i s it

___

M a x im u m
c o m p e n s a t io n

$ 9 3 p e r 6 -m o n th
p e r io d

S u r g ic a l

H o s p it a liz a t io n
M a x i­
M a x i­
m um
m um
O th er
num ber n u m b e r p r o v i s io n s
A c c i ­ v is its
days
paid
paid
dent
fo r
fo r

B e n e fits b e g in
S ic k ­
ness

1st day 1st day 1 p e r
day

_
_

__

A c c id e n t
s ic k n e s s

D a ily
b e n e fit D u r a ­
or
tio n
s e r v ic e

M a x im u m
r o o m and
board
a llo w a n c e

_
_

M e d ic a l

S ch ed u le
E x tr a
a llo w a n c e A m ou n t s
a llo w a n c e L u rrp
and
fo r
or
sum
n o r m a l lim ita tio n s
s e r v ic e s
d e liv e r y
E m p lo y e e

B e n e fit s a v a ila b le to
n ew ly in s u r e d

E m p lo y e e and d epen dent:
Im m e d ia t e ly
Up to $ 7 5

—

—

D epen den t
1
i
1
r
n
Up to $1^)0 m a te r m t :y a llov vance

_
_

_
_

___

___

___

___

__

_
_

_
_

_
_

_
_

D e p e n d e n t o n ly

D ep en d en t on ly :
I m m e d ia t e ly

1
["
1
1
1
1
1-----------------$ 2 0 0 rn a te r n i ty a lio w ane € p lu s a $2 5 G ov e rn m en t boj tid f o r
)
infant ‘

_
_

_
_

___

___

___

_
_

_
_

_
_

___

_
_

D ep en d en t o n ly
1
1
!"
1
$ 20 0 it taternity al low an c :e

___

Up to
Up to
$3 p e r $5 p er
day
day

___

$250 p e r y ea r

3d
1st
v is it
v is it
o r 1st
in h o s ­
p ita l

_
_

_

$ 1 0 0 f o r e x p e n s e s i n c u r r e d , o t h e r than s u r g i c a l, in o r out o f h o s p it a l.
If a m u ltip le b ir th o c c u r s , e n t ir e m a t e r n it y b e n e fit pa id f o r e a ch c h ild .




_

__

D e p e n d e n t o n ly

Up to Up to $ 7 5
$100

D ep en d en t o n ly :
If p r e g n a n c y c o m m e n c e s w h ile
in s u r e d

D ep en d en t o n ly :
If p r e g n a n c y c o m m e n c e s w hile
in s u r e d

176

S E L E C T E D

H E A L T H

EX TE N S IO N O F B E N E F IT S T O —
(m u st be at le a s t on g ro u p r a te b a s i s )

O TH ER B E N E F IT S 1
C O M P A N Y , UNION,
AND
D A T E O F IN F O R M A T IO N

D e p e n d e n ts o f r e t ir e d e m p lo y e e

R e t ir e d e m p lo y e e
T y p e s and a m o u n ts
L if e in s u r a n c e

A c c id e n t a l
d e a th and
di s m e m o e r m e n t

H o s p ita liz a tio n

S u r g ic a l

M e d ic a l

L if e
in s u r a n c e

H o s p it a li­
z a tio n

S u r g ic a l

T r u c k O w n ers A s s o c i a t io n D ia g n o s tic X - r a y and la b o r a t o r y e x a m in a tio n
o f C a lifo r n ia
a llo w a n c e f o r n o n h o s p it a liz e d c a s e s :
E m p lo y e e — up to $ 5 0 f o r an y on e a c c id e n t o r a ll
T e a m s t e r s (A F L )
s ic k n e s s d u rin g a n y 6 -m o n th p e r i o d
D e p e n d e n ts— up to $ 2 5 f o r a n y o n e a c c id e n t o r a ll
N o v e m b e r 1954
s ic k n e s s d u rin g an y 6 -m o n th p e r i o d
A d d itio n a l a c c id e n t e x p e n s e a llo w a n c e :
( F o r e x p e n s e s n o t c o v e r e d b y o t h e r p la n b e n e fits
in c u r r e d w ithin 3 m o n th s a ft e r date o f a c c id e n t)
E m p lo y e e and d e p e n d e n ts— up to $ 30 0
P o l i o a llo w a n c e :
( F o r e x p e n s e s in c u r r e d w ith in 3 y e a r s f r o m date o f
r e c e iv in g f i r s t tr e a t m e n t, in l ie u o f a ll o t h e r pla n
b e n e fits )
E m p lo y e e and d ep e n d e n ts— up to $ 2 ,0 0 0

M a r it im e in d u s t r y ,
v a r io u s e m p lo y e r s
(A tla n tic and G u lf
C o a s ts )
S e a fa r e r s (A F L )
A u g u st 1954

M a r it im e in d u s t r y ,
v a r io u s e m p lo y e r s
(A tla n tic and G u lf
C o a s ts )
M a r it im e U n ion (C IO )
A u gu st 1954

M a r it im e in d u s t r y ,
v a r io u s e m p lo y e r s
(A tla n tic and G u lf
C o a s ts )

D e p e n d e n ts o n ly

A d d itio n a l a c c id e n t e x p e n s e a llo w a n c e ( fo r e x p e n s e s
n o t c o v e r e d b y o t h e r p la n b e n e fits )— up to $ 3 0 0

M a r in e E n g in e e r s (C IO )
N o v e m b e r 1954

D ia g n o s tic X - r a y and l a b o r a t o r y e x a m in a tio n
a llo w a n c e f o r c a s e s in o r o u t o f h o s p ita l— up to $ 5 0
p e r d ia a ^ iE ty p r d u r in g a n y 1 2 -m o n th p e r io d
P o l i o a llo w a n c e ( f o r e x p e n s e s in c u r r e d d u rin g 1 s t 2
y e a r s o f d is a b ilit y , in l ie u o f a ll o t h e r b e n e fits )— up
to * « non

1 S uch b e n e fit s a s X - r a y , a n e s t h e s ia and e l e c t r o c a r d i o g r a m a llo w a n c e s m a y b e p r o v id e d u n d e r s o m e p la n s , although not l is t e d h e r e .

EXPLAN A
 T O R Y N O T E S .


A N D

R e a s o n s f o r n o t l is t in g s u c h b e n e fit s a r e s e t f o r t h in

M e d ic a l

177

I N S U R A N C E

P L A N S

-

C o n tin u e d

FIN A N C IN G
B e n e fit s f o r e m p l o y e e 's
d e p e n d e n ts

B e n e fit s f o r
e m p lo y e e

B e n e fits f o r r e t ir e d
e m p lo y e e

B e n e fit s f o r d e p e n d e n ts
o f r e t ir e d e m p lo y e e

A m ou n t o f c o n tr ib u tio n
B e n e fit s f o r e m p lo y e e and d e p en d en ts

C om pany
J o in tly
on ly

C om p a n y
J o in tly
o n ly

E m p lo y e e C om pa n y
J o in tly
on ly
o n ly

E m p lo y e e C o m p a n y
E m p lo y e e
J o in tly
o n ly
o n ly
o n ly

C om p a n y

E m p lo y e e

fo r—
b e n e f i t s l o r r e t ir e d e m p lo y e e
_________ and d ep en d en ts__________
E m p lo y e e

C om p a n y

F u ll c o s t

F u ll c o s t — $0# 60
p e r day p e r m an
w o rk in g a b o a r d sh ip

(l )

F u ll c o s t

F u ll c o s t — $ 0 .6 0
p e r m an p e r d a y o n
p a y r o ll

h

a

v

i

n

g




'

a

b

‘o « "

“ “ ,M

W eeW y d U a b lU *’ r be n e £ it * * * » • £or * • d u r i t io n ° £

< U « b U ity .

T h e U t t e r i . a v a i U b l . o n ly to t h o a . union m e m b e r .

178

S E L E C T E D

E L IG IB IL IT Y
R E Q U IR E M E N T S
C O M P A N Y , UNION,
AND
D A T E O F IN F O R M A T IO N

L o n g s h o r e m e n 's and
W areh ou sem en * s U nion
(In d .)
S e p te m b e r 1954

D e tr o it E d is o n C o m p a n y

A N D

A C C I D E N T A L D E A T H AN D D IS M E M B E R M E N T

L I F E IN SU R AN CE

I f p e r m a n e n tly an d to t a lly d is a b le d
N ew e m p lo y e e s
becom e
e lig ib le —

A m ou n t
B e fo r e
a g e-

O n A p r i l 1, i f em< $ 1 ,0 0 0
p lo y e d 800 h o u r s
in p r e v io u s p a y ­
r o l l y e a r o r 400 in
la s t h a lf o f p r e v i ­
ous p a y r o ll y e a r;
on O c t o b e r 1, i f
e m p lo y e d 400
h o u r s in f i r s t h a lf
o f p a y r o ll y e a r 1

A ft e r 6 m o n t h s '
e m p lo y m e n t

P a id in

60

$ 1 ,0 0 0 *

L i f e in s u r a n c e :
A f t e r 6 m o n th s *
e m p lo y m e n t

C ases
covered

in s u r a n c e i s
M aintain ed

P a c i f ic M a r it im e
A s s o c ia t io n

H E A L T H

S e r v ic e

N on occu p a tio n a l;
occu pa­
tio n a l

60

M u ltiS in gle
D ea th d is m e m ­ d i s m e m ­
berm ent berm en t

$ 1 ,0 0 0 $ 5 0 0

$ 1 ,0 0 0

In s ta llm en ts

60

G ra d u a ted
a c c o r d in g to—

I n s ta llm e n ts

U tility W o r k e r s (CIO )
A u gu st 1954

P e n n s y lv a n ia P o w e r and
L ig h t C om p a n y
E m p lo y e e s In depen den t
A s s o c ia t io n (I n d .)
S e p te m b e r 1954

O th e r b e n e fits :
1 st o f m o n th f o l ­
lo w in g 1 m o n t h 's
e m p lo y m e n t

In s u r a n c e

S e r v ic e

6 m o n th s to 1 y e a n - $ 1 ,0 0 0
1 y e a r to 2 y e a r s —
1 ,2 0 0
2 y e a r s to 3 y e a r s — 1 ,4 0 0

In su ran ce

1 y e a r s to 4 y e a r s . $ 1 ,6 0 0
4 y e a r s to 5 y e a r s — 1 ,8 0 0
5 y e a r s an d o v e r —
2 ,0 0 0

p lu s
A n nual e a r n in g s
L e s s than
$ 1 ,0 0 0 to
$ 1 ,5 0 0 to
$ 2 ,0 0 0 to
$ 2 ,5 0 0 to
$ 3 ,0 0 0 to
$ 3 ,5 0 0 to
$ 4 ,0 0 0 to
$ 4 ,5 0 0 to
$ 5 ,0 0 0 to
$ 5 ,5 0 0 to
$ 6 , 0 1 * to
and up

In s u r a n c e

$ 1 ,0 0 0
___
$ 1 ,5 0 0
____________
$ 2 ,0 0 0 _______________________________ ___
$ 2 ,5 0 0
__
__ _ ________ ..
$ 3 ,0 0 0
$ 3 ,5 0 0
_____
$ 4 ,0 0 0
_____ _______
_____ _
$ 4 ,5 0 0
__
_
________
$ 5 ,0 0 0
_ ______ _________
$ 5 ,5 0 0 _
______
$ 6 ,0 0 0
______
$ 6 ,5 0 0 _
_____

$ 1 ,0 0 0
1 ,5 0 0
2 ,0 0 0
2 ,5 0 0
3 ,0 0 0
3 ,5 0 0
4 ,0 0 0
4 ,5 0 0
5 ,0 0 0
5 ,5 0 0
6 ,0 0 0
6 ,5 0 0

(‘ )
1 A p p lie s o n ly to m e n in p o r t s w h e r e 75 p e r c e n t w o r k a t l e a s t 800 h o u r s p e r y e a r .
p e r io d .

2 A
 d d itio n a l in s u r a n c e p r o v id e d o n a c o n t r ib u t o r y b a s i s .
3 T ota l
http://fraser.stlouisfed.org/ am ou n t o f in s u r a n c e is b a s e d o n s e r v i c e an d ann ual
Federal Reserve Bank of St. Louis

e a r n in g s .

In p o r t s w h e r e 75 p e r c e n t w o rk l e s s than 800 h o u r s , e l ig i b i li t y b a s e d o n 480 h o u r s p e r y e a r o r 240 p e r s ix -m o n t h

179

I N S U R A N C E

P L A N S

-

C o n tin u e d

A C C ID E N T AN D SICKNESS

H O S P IT A L IZ A T IO N

D u ratid n o f b e n e fits
C ases
covered

E x ce p t
P e r io d

N on occu p a tio n a l

$38 p er w e e k 1

A ft e r
a ge —

B e n e fits lim ite d
to —

26
w eeks
p er d is ­
a b ilit y

E x te n d e d
coverage

B e n e fit s b e g in

A c c id e n t

1st day

S ic k n e s s

D a ily
b e n e fit
or
s e r v ic e

M a x im u m
r o o m and
board
a llo w a n c e

D u ra tio n
D ays

D a ily
a m ou n t

E x tr a a llo w a n c e
o r s e r v ic e

P er
d is a ­
b ilit y

Per
year

E m ergency
o u t-p a tie n t
care

E m p lo y e e an d d e p en d en ts

8th d a y

T

i

-J

— r

i—

r

P r o v i d e d b y the K a is e r F o u n d a tio n H ealth P la n 2

E m p lo y e e an d d ep en d en ts

(S)

(3)

(3)

(3)

(3)

(3)

(3)

S e m i­
p r iv a t e
room

F u ll c o s t o f
s p e c i fi e d
s e r v ic e s

120 d a ys

Up to $ 2 0 4

E m p lo y e e an d d e p en d en ts

(3)

(3)

(3)

(3)

(3)

(3)

(3)
S e m i­
p r iv a t e
room

70 d ays

1 T o c o l l e c t b e n e f i t , m e n r e g u l a r ly e m p lo y e d in in d u s tr y m u s t h ave w o r k e d a t l e a s t 1 d a y in l a s t 31 d a y s p r i o r to f i r s t d a y o f d i s a b i li t y ,
t e m p o r a r y d is a b ilit y la w ( s e e A p p e n d ix AJ.
2 P la n c o v e r s m a j o r i t y o f e m p l o y e e s u n d e r IL W U -P M A W e lfa r e P la n . S e e A p p e n d ix C .
 a c c id e n t a n d s i c k n e s s i n s u r a n c e b e n e fit p r o v id e d b y p la n ; e m p lo y e e s c o v e r e d b y p a id s i c k l e a v e p la n .
3 No
4 A l s o p a y a b le f o r e m e r g e n c y t r e a t m e n t in c li n i c o r d o c t o r 1 s o f f i c e .
http://fraser.stlouisfed.org/

Federal Reserve Bank of St. Louis

F u ll c o s t o f
s p e c ifie d
s e r v ic e s

R e q u ir e d s e r v i c e s
p r o v id e d

E m p lo y e e s in C a lifo r n ia a r e c o v e r e d b y the C a lifo r n ia S tate

180

S E L E C T E D

SURG ICAL
C O M P A N Y , UNION.
AND
D A T E O F IN F O R M A T IO N

P a c i f ic M a r it im e
A s s o c ia t io n

U p t o s c h e d u le
a llo w a n c e
a c c e p t e d a s fu ll
p a y m e n t i f annual
in c o m e i s u n d er—

A N D

M EDICAL

O p e r a t io n s c h e d u le —
s e l e c t e d a llo w a n c e s

E m p lo y e e
C ov ers
cases

E m p lo y e e

H E A L T H

D e p e n d e n ts

U p t o s c h e d u le
a llo w a n c e
a c c e p t e d a s fu ll
p a y m e n t i f annual
in c o m e i s u n d e r—

H om e

O ffic e

H o s p i­
ta l

M a x i­
m um
num ber
v i s it s
S ic k n e s s A c c id e n t
p a id
fo r
B e n e fit s b e g in

A llo w a n ce
E ls e ­
w h ere

M a x im u m
c o m p e n s a t io n

M a x i­
m um
num ber
days
p a id
fo r

P r o v id e d b y the K a is e r F o u n d a tio n H ea lth P l a n 1

P r o v id e d b y the K a is e r F o u n d a tio n H ealth P l a n 1

L o n g s h o r e m e n 's an d
W a r e h o u s e m e n 's U nion
( in d .)
S e p te m b e r 1954

M a x im u m s c h e d u le a llo w a n c e H o s p it a l,
$200
*200
o ffic e , hom e,
e ls e w h e r e
T o n s i l le c t o m y
U p to $ 4 0
Up to $ 4 0

D e tr o it E d is o n C om p a n y
U tility W o r k e r s (CIO )
A u gu st 1954

Append*e c t o m v
U p to $ 1 0 0
U p to $ i 0 0

P e n n s y lv a n ia P o w e r and
L ig h t C om p a n y
E m p lo y e e s In d ep en d en t
A s s o c ia t io n (In d .)
S e p te m b e r 1954

In d iv id u a l c o v e r *
a g e , $ 2 ,0 0 0 ;
e m p lo y e e an d 1
d e p e n d e n t,
$ 3 ,0 0 0 ; e m p lo y e e
a n d m o r e than 1
d e p e n d e n t,
$ 4 ,0 0 0

M a x im u m schedule* a llo w a n c e
*200
*200
T o n sill* s e to m y
U p to $ 3 5
U p to $ 3 5
Append*s e to m y
U p to $ 1 0 0
Up to $100

P la n c o v e r s m a j o r i t y o f e m p lo y e e s u n d e r I L W U -P M A W e lfa r e P l a n .




H o s p it a l,
o ffic e , hom e,
e ls e w h e r e

In d ivid u a l c o v e r ­
a g e , $ 2 ,0 0 0 ;
e m p lo y e e and 1
d e p e n d e n t,
$ 3 ,0 0 0 ; e m p lo y e e
a n d m o r e than 1
d e p e n d e n t,
$ 4 ,0 0 0

S e e A p p e n d ix C .

Up to
$3 p e r
v i s it

Up to
$3 p er
v i s it

1st d a y ,
up to
$ 1 0 ; 2d
d a y , up
to $ 5 ;
th ere­
a fte r,
up to $ 3
p e r day

H o m e and o f f i c e :
$63 p er year
H o s p ita l:
$ 2 1 9 p e r d is a b ilit y

H o s p ita l: H ospital:
1 s t d a y 1 st d a y and
o ffic e
H om e
21 p e r
and
year
o ffic e :
4th v i s i t

H o s p ita l:
70 p e r
d is a b ilit y

181

INSURANCE

PLANS

-

Continued

M ED IC A L - Continued

M AT ER N IT Y PROVISIONS

Dependents
Allowance
Else­
Home Qffice Hospi­ where
tal

Maximum
compensation

Surgical Medical

Hospitalization
Benefits begin Maxi­ Maxi­
Accident
mum mum
Other
and
number number provisions sickness
Acci­ visit 8 days
Sick­
ness
dent paid
paid
for
for

Schedule
Extra
Daily
Maximum
allowance Amounts
benefit Dura- room and allowance Lump
and
for
or
sum normal limitations
board
or
tion
allowance services
service
clelive ry
Employee and dependent

Provided by the Kaiser Foundation Health Plan1

1--------- r

---------1
--------------1
-------- f

T
Provided by the Kaiser Foundation Health Plan1

Employee and dependent

(

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

$219 per disability 1st
day

1st
day

70 per 1 indisa­ hospital
bility bedside
consulta­
tion per
disability,
up to $ 10

Semi- 120
private days
room

—
(a

Semi- 10
private days
room

Full cost
of specified
services

Employee and dependent:
Immediately

Employee and dependent:
Immediately
Up to $50

Employee and dependent

Plan covers majority of employees under ILWU-PMA Welfare Plan. See Appendix C.
No accident and sickness insurance benefit provided by plan; employees covered by paid sick leave plan,




Full cost
of specified
service8

Benefits available to
newly insured

Up to $60

Employee and dependent:
After 9 months

182
SELECTED

COMPANY, UNION,
AND
DATE OF INFORMATION

Dependents of retired employee

Retired employee
Types and amounts
Life insurance

Employee and dependents

Provided by the Kaiser Foundation Health Plan2
Longshoremen's and
Warehousemen's Union
(Ind.)

AND

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

OTHER BENEFITS 1

Pacific Maritime
As sociation

HEALTH

$500

Accidental
death and
di smemoerment

Surgical

Medical

Provided by the Kaiser Fo undation
Health Plan2’ 3

Death:
$500
(3)

Hospitalization

Single dismemberment:
—

Life
insurance

Hospitali­
zation

Surgical

Medical

Same as Same as
Same as
for retired
for retired for re­
employee tired
employee
employee

j m

September 1954

Multidismemberment:
J E W

(3*
)
Detroit Edison Company

Employee and dependents

Utility Workers (CIO)
August 1954

Anesthesia for nonhospitalized cases except when
used as part of emergency out-patient care-— to
up
$10 for each use

Retiring
at age oO
or later:
Same as
for active
employee

Retiring at age 65
or at age 60 with
15 years' service:
$1,000*

Retiring at age 60
or later:
Same as for active
employee

Amount in effect
immediately prior
to retirement

Same as for active Same as For infor active hospital
employee
employee cases only:
Same as
for active
employee

Same as
Same as
for retired for re­
employee tired
employee

Operating room allowance for nonhospitalized cases
except when used as part of emergency out-patient
care - up to $10 for each use
Diagnostic X-ray allowance (for diagnosis resulting
in hospitalization within 30 days, or for examination
occurring within 48 hours after discharge from hos­
pital and is in connection with disability causing
hospitalization)—up to $20
Ambulance allowance for nonhospitalized cases—up
to $ 10 per trip

Pennsylvania Power and
Light Company

Employee and dependents

Employees Independent
Association (Ind.)

X-ray allowance (for treatment of specified conditions in or out of hospital)—not available for cases
treated surgically

Same as
Same as Same as
for retired for re ­
for retired
employee tired em­ employee
ployee

September 1954

1
Such benefits as X-ray, anesthesia and electrocardiogram allowances may be provided under some plans, although not listed here. Reasons for not listing such benefits are set forth in
EXPLANATORY NOTES.
8
* Plan covers majority of employees under ILWU-PMA Welfare Plan. See Appendix C.
Available to all men receiving PMA-ILWU pensions, regardless of eligibility for benefits prior to retirement and to those retiring at age 65 with 20 years' service in industry (last 5 years
consecutive) if eligible on job.
4 Ratting at age 65 and covered by additional life insurance-—total amount in effect immediately prior to retirement reduced 10 percent at retirement and 10 percent annually thereafter until
amount equals 50 percent of amount in effect before initial reduction or $2,500, whichever greater. Retiring at age 60 with 15 years' service and covered by the additional insurance—amount in effect
at date of retirement may be maintained until age 65, then reduced in same manner as stated previously or reduction in coverage may begin immediately (employee's contribution towards the cost of
 ceases when reduction in coverage begins).
insurance



183

INSURANCE

PLANS

- Continued

FINANCING
Benefits for
employee

Benefits for employee*s
dependents

Benefits for retired
employee

Benefits for dependents
of retired employee

Employee Company Jointly Employee Company Jointly Employee
Company
Jointly Company Jointly
only
only
only
only
only
only
only
X

X

X

(l )

X

(l )

Amount of contribution for-—
Benefits for employee and dependents
Company

Employee
Accident and sickness benefits:
1 percent of 1st $3,000 of annual
earnings 2

$0.07 per man-hour
worked

Benefits for retired employee
and dependents
Employee

Company

(l )

(l )

Other benefits:
1 percent of annual earnings over
$3,000

X

X

X

X

X

X

Hospitalization and surgical:
Benefit for employee only, $0. 57
per week; for employee and one
dependent, $1.29; for employee,
spouse and children under age 19,
$1.50; for each additional depend­
ent, $0.63

X

X

Life insurance:
Full costs

Employee’ s benefits:
Life insurance based on service—
60 cents per month per $ 1,000 of
insurance in excess of $500
Life insurance based on earnings—
60 cents per month per $1,000 of
insurance

Employee benefits:
Life insurance—full
cost of first $ 500
based on service;
balance of cost of
remaining insurance
Other benefits—full
cost

Other benefits:
Balance oi cost

Dependents* benefits:
Full cost—benefits for spouse with­
out maternity or widow(er) and one •
child, $2.95 per month; for spouse
with maternity or widow(er) and two
or more children, $4.30; for spouse
with maternity and all children,
$5.35

2
ky active employee and company contributions; see contribution columns for benefits for employee and dependents.
In California, this contribution is made to the State1s temporary disability fund.
* Employees may secure additional life insurance on a contributory basis.
Employees retiring at age 60 contributes toward cost of additional insurance as long as total amount of insurance in effect is maintained.




Hospitalization and
surgical:
Same as active
employee

Life insurance:
Full cost4

Life insurance:
Same as ior active
employee

Life insurance:
Same as for active
employee

Other benefits:
Full cost—benefits for
employee only, $2.58
per month; for husband
and wife without ma­
ternity or widow(er)
and one child, $5. 53;
for husband and wife
with maternity or
widow(er) and two or
more children, $6.88;
for husband and wife
with maternity and all
children, $7.93

Other benefits:
Balance of cost

184
SELECTED

ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

Distributors Association
of Northern California
Longshoremen's and
Warehousemen's Union,
Local 6 (ind. )
September 1954

Amount

If permanently and totally disabled

Life and accidental death and dismemberment
insurance:
1 year's employ­
ment, minimum
of 1, 500 hours of
work

Amount
Before
age—
$1,000

AND

ACCIDENTAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

New employees
become
eligible- -

HEALTH

Cases
covered

Insurance is—
Maintained

60

X

Paid in—
Nonoccupational

X

60

Graduated
according to—
_

MultiSingle
Death dismem­ dismem­
berment berment
$1,000 $500

$1,000

Other benefits:
1st day of month
following 30 days'
employment from
the 20th of one
month* to 20th of
following month

Restaurant industry,
Progressive Restaurant
Owners Association,and
other employers (New
York, N. Y .)
Hotel and Restaurant
Employees, Local 89
(a f l )

After 2 months'
employment and
2 months' union
membership

Base weekly earnings
_ __
____
Less than $ 30 _ ______ __
$30 to $40 .....................................................
$40 to $50
.............
......
$50 to $ 6 0 _________________________________
$60 to $ 7 0 _________________________________
$70 to $80 ______ ____________
.... _____
$80 and over
_____

Insurance
$1,000
1,500
2,000
2,500
3,000
3,500
4, 000

November 1954

Retail trade industry,
various employers (New
York, N. Y .)
Retail Clerks (AFL)
October 1954




$ 1, 000
After 30 days'
covered employ­
ment and 30 days'
union member­
ship

60

X

___

Nonoccu- Base weekly
pational; earnings
occupa­
tional
Less than $30______ $1,000 $ 500
$ 30 to $ 4 0 _________ 1, 500
750
$40 to $ 5 0 _________ 2,000 1, 000
$50 to $60 ________ 2,500 1, 250
$60 to $70
3, 000 1, 500
$70 to $ 8 0 _________ 3,500 1,750
$ 80 and o v e r ______ 4,000 2, 000

Nonoccupational;
occupa­
tional

$1,000 $500

$1,000
1, 500
2, 000
2, 500
3, 000
3,500
4,000

$ 1, 000

185
INSURANCE

PLANS

- Continued

HOSPITAL1ZAT ION

ACCIDENT AND SICKNESS
Duratidn of benefits
Cases
covered

Benefits begin

Except

Amount
Period

After Benefits limited
age—

—

—

—

(l )

0)

0)

—

—

(l )

Accident Sickne s s

(l )

Nonoccupational

Base weekly
Weekly
earnings
benefit
Less than $30______ $12.50
$30 to $40_________. 15.00
$40 to $50
20. 00
$50 to $60_________. 25.00
$60 to $70 ________ 30.00
$70 to $80 ________ 35.00
$ 80 and over
__ . 40.00

26
weeks
per
disa­
bility

__

$ 18 per week

13
weeks
per
disa­
bility

60

__

Duration

Daily
amount

Days

(l )

1st day

Extra allowance Per
or service
year

Per
disa­
bility

Emergency
out-patient

Optional plan A
1
1
1
1
I
Provided by the Kaiser Foundation Health plan 2
___ 1
__________ 1
__________ 1
________________ 1
_____ 1
_______
Optional plan B
$434

31 days

8th day

X

Up to $300, plus
75 percent ox
additional charges
up to $ 1, 300

X

Up to $300, plus
75 percent of
additional
charges up to
$1, 300

Up to $7.25

Employee and dependents
Semi­
private
room

13 weeks during 8th day
any 12 consecu­
tive months

Maximum
room and
board
allowance

Employee and dependents

Up to $ 14

Nonoccupational

Extended
coverage

—

(M

Daily
benefit
or
service

21 days

180 50 percent
of cost of
semi­
private
room

—

Full cost of
specified serv­
ices for 1st 21
days; 50 percent
of cost for
additional 180
days

Employee

8th day
1
$6

31 days

$186

Up to $ 30

Over Under
age 60:
X

__

X

Dependents
Up to $6

31 days

__

__

$186

Up to $30

Over Under
age 60:

Mr
I
1 No accident and sickness insurance benefits provided by plan; employees covered by the California State temporary disability law. See Appendix A.
* See Appendix C.




X

X

__

186
SELECTED

See Appendix C.
See Appendix B.




HEALTH

AND

187

INSURANCE

PLANS

- Continued

MEDICAL. - Continued
Dependents
Allowance
Maximum
compensation

Else­
Home Office Hospi­ where
tal

MATERNITY PROVISIONS

Surgical Medical
Hospitalization
Benefits begin Maxi­ Maxi­
Schedule
Accident Daily
mum mum
Other
Maximum
Extra
allowance Amounts
and
number number provisions
and
for
sickness benefit Dura­ room and allowance Lump
or
sum normal limitations
or
board
Sick­ Acci­ visits days
tion
paid
dent paid
service
ness
allowance services
delivery
for
for
Optional plan A

------------- ----------'— i--------1
--------- 7--------- r
“i--------- 1
Provided by the Kaiser Foundation Health Plan 1
^
Up to
$5
per
day

Optional plan 6

$ 155 per disability 1st
day

^
1st
day

^

Benefits available to
newly insured

Employee and dependent
^

1-------- 1
----------------1
------------- 1
-------- 1
-------------1

Employee and dependent:
Immediately

Provided by the Kaiser Foundation Health Plan1

31 per
disa­
bility

J 1 ___ I____I__ I___ L
__ _
Optional plan B
Employ*ee only:
After 9 months

Employee only
Up to Up to $75
$150

Employee

Regular
benefits
for 6
weeks

Employee and dependent:
Hospitalization—immediately
Up to Provided by the
$80 Health Insurance
Plan of Greater
New York*

Employee:
Accident and sickness— if preg­
nancy commences while insured
Surgical and medical—
immediately

Dependent
Up to
$80

Employee and dependent:
Immediately

Employee

$6

14
days

$84

Up to $30

—

Up to $50

Dependent
—

1 See Appendix C.
a See Appendix B.




[Jp to Up to $ 50
$60

188
SELECTED

COMPANY, UNION,
AND
DATE OF INFORMATION

Dependents of retired employee

Retired employee
Types and amounts
Life insurance

Accidental
death and
dismemberment

Hospitalization

Surgical

Medical

Life
insurance

Hospitali­
zation

Surgical

Employee and dependents

Optional plan A
Longshoremen's and
Warehousemen's Union, Provided by the Kaiser Foundation Health Plan 2
Local 6 (ind. )
Optional plan B
September 1954
X- ray and laboratory examination allowance for
nonhospitalized cases—up to $50 per disability
Supplementary accident expense allowance (for
expenses incurred within 90 days of accident)—up
to $ 300
Polio allowance (for all expenses incurred during
first 2 years after date of first treatment, in lieu
of all other plan benefits)—up to $5, 000

Restaurant industry,
Employee only
Progressive Restaurant
Owners Association,and
Provided by the Health Insurance Plan of Greater
other employers (New
New York3
York, N. Y .)

$ 1 ,0 0 0

Same as for active
employee

Same as
for re­
tired
employee

Hotel and Restaurant
Employees, Local 89
(AFL)
November 1954

Retail trade industry,
various employers (New
York, N. Y .)
Retail Clerks (AFL)
October 1954

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

2 See Appendix C.
http://fraser.stlouisfed.org/Appendix B.
3 See
Federal Reserve Bank of St. Louis

AND

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

OTHER BENEFITS 1

Distributors Association
of Northern California

HEALTH

Medical

189

INSURANCE

PLANS

- Continued

FINANCING
Benefits for
employee

only

Jointly

Benefits for employee's
dependents

only

X

X

only

only

Jointly Employee
only

Benefits for dependents
of retired employee

X

X

Amount of contribution for—
Benefits for employee and dependents

only

Jointly

only

Employee

Company

Benefits for retired employee
and dependents
Employee

X 1

X 1

Full cost— 4 percent
of monthly payroll

Full cost

1 Financed out of company contributions for benefits for active employees and dependents; see company contribution column for benefits for employee and dependents.




Company

Full cost

X

X

Jointly

Benefits for retired
employee

Full cost 1

190
SELECTED

ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

Retail drug industry,
various associations and
employers
(New York, N. Y.)

Amount

If permanently and totally disabled

After 1 month's
covered employ*
ment

Amount
Before
age—
Average weekly
earnings

Length of coverage
under plan

$30 to $40

Less than 1 year

$40 to $75__

_ Less than 1 year
__ 1 to 2 years __
__ __
2 to 3 years_____________
3 years and o v e r __ __
$75 and over_____ Less than 1 yea r__________
1 to 2 years _
__ __
2 to 3 years _
__ „ _
3 to 4 years _
______
4 to 5 years - __ ________
5 to 6 years___________ __
6 to 7 years_____________
7 years and over __ __ „

Retail, Wholesale, and
Department Store Union,
Local 1199 (CIO)
September 1954

60

Cases
covered

Insurance is—
Maintained
X

__

500
1,000
500
1,000
1,500
2,000
500
1,000
1,500
2,000
2,500
3,000
3,500
4,000

After
age 60

For 3 months; up
to $2,000 for
additional 9
months

—

Insurance Agents (AFL)
September 1954

Immediately or
1st of following
month

Prior to age 65:
Annual earnings
Less than $2,500.01________________________
$2,500.01 to $3,500.01 _
____
$3,500.01 to $4,500.01
__ _ _____
$4,500.01 to $5,500.01 _
_ ________
$5,500.01 to $6,500.01
________
and up

65
$ 5,000
7,000
9,000
11,000
13,000

After age 65:
On 1st of month following attainment of age 65, insurance
reduced 20 percent and 20 percent annually thereafter
until amount in effect equals $1,000

Not available if employee earns less than $30 per week.




250

Until age 65;
then reduced in
same manner as
for active em­
ployee

__

__

__

$

500

$40 and over
Less than 1 year plan
coverage--------------- $ 500 $ 250
1 to 2 years' plan
1,000
500
coverage_________
2 to 3 years' plan
750
coverage--------------- 1,500
3 years and over plan
2,000 1,000
coverage _
(l )

Insurance

MultiSingle
Death dismem­ dismem­
berment berment

Nonoccu- Weekly earnings
pational
$30 to $40
Less than 1 year plan
(M
rnvAra.gra ........
$ 500 $
1 year and over plan
1,000
coverage__ __

(*)

Prudential Life Insurance
Company of America

Graduated
according to—

Paid in---

Insurance
$

AND

ACCIDENTAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

New employees
become
eligible- -

HEALTH

500
1,000

$

500
1,000
1,500
2,000

(l )

(M

(M

__

__

__

191

INSURANCE

PLANS

- Continued

HOSPITAL1ZAT ION

ACCIDENT AND SICKNESS
Duratidn of benefits
Cases
covered

After Benefits limited
age—
Nonoccupational

Before age 65:
Two-thirds of average
weekly pay—
Maximum— $50 per week1

D aily
b e n e fit

Except'

Amount

60

26

weeks
per dis­
ability1

Extended
coverage

Benefits begin
Duration

26 weeks during 1st day
any 12 consecu­
tive months

Daily
amount

Days

Accident

Extra allowance Per
or service
year

Per
disa­
bility

Emergency
out-patient
care

Employee and dependents 2

8th day
Semiprivate
room

Age 65 and over:
Difference between above
weekly benefit and Federal
Social Security benefits

Maximum
room and
board
allowance

Up to $ 10

Full cost of
specified serv­
ices for 1st 21
days; 50 percent
of cost for addi­
tional 180 days

50 percent
of cost of
semi­
private
room

21 days

Employee and dependents —Nonoccupational disability cases
(3)

(3)

(3)

(3)

(3)

(3)

(3)

Up to $10

___

____

____

(4)

$700
]
j

Up to 10 times
rates of semi­
private room or
$100, whichever
lesser

____

X

Up to 10 times rate
of semi-private
room or $100,
whichever lesser

Employee only —Occupational disability cases
-------------------- ,-------------------- ,---------- 1 ....... ......... ............. .... — "I------------------------------- 1
—
----------1
--------------- 1
----------------------------

Difference, if any, between benefits provided through Workmen's Compensation or other Federal or
State program to which employer contributes and the above benefits
!
I
*

1 If disability occurs within first 30 days' employment, benefit is 50 percent of average weekly pay (maximum-—
$30) for 13 weeks.
* Not available if employee earns $25 or less per week.
s No accident and sickness insurance benefit provided by plan; employees covered by paid sick leave plan.
Up to $10 or standard rate of semi-private room, whichever less; however, if standard rate of semi-private room is less than $7, allowance will be up to $7 for each day in hospital.
*



192
SELECTED

Retail drug industry,
various associations
and employers
(New York, N. Y.)
Retail, Wholesale, and
Department Store Union,
Local 1199 (CIO)
September 1954

Prudential Life Insurance
Company of America
Insurance Agents (AFL)
September 1954

Up to schedule
allowance
accepted as lull
payment il annual
income is under—

Employee

Operation schedule—
selected allowances
Covers
cases
Employee

Dependents

Maximum schedule allowance Hospital,
$225
$150
office, home,
elsewhere
Tonsillectomy
Up to $45
Up to $30
<>
l

Up to schedule
allowance
accepted as lull
payment il annual
income is under— Home

(a)

(a)

Maxi­
Maxi­
mum
mum
number number
visits
days
Sickness Accident paid
paid
for
for
Benefits begin

Allowance
Office

Hospi­
tal

Else­
where

(a>

(a)

(a)

Maximum
compensation

(a)

<
a)

(*)

8th day

__

(a)

(a)

Appendectomy
Up to $150
I Up to $100
( 1)

Nonoccupational disability Hospital,
__________ cases____________ office, home,
Maximum schedule allowance elsewhere
$215---------- nf$225-----------Tonsillectomy
Up to $60
Child, up to
$40; wife, up
to $60
Appendectomy
Up to $150
IUp to $150

Nonoccupational disability cases
__

Up to
$3 per
visit

Up to
$2 per
visit

Up to
$3 per
visit

__

Under age 60, $ 150 8th day
per disability; over
age 60, $150 per year

Occupational disability cases
--------------------------------- ,--------------- ,---------------,---------------,--------------- ,------------------------------------------|
----------------p-------- — ,--------------- 1
-------

Difference, if any, between benefits provided through Workmen1s Compensation or other Federal or State
program to which employer contributes and above benefits

Occupational disability
cases_____ ____
Difference, if
any, between
benefits pro­
vided through
Workmen’ s
Compensation
or other Fed­
eral or State
program to
which employ­
er contributes
and above
benefits

Not available if employee earns less than $37.50 a week.
No medical benefit provided by plan; however, if employee joins Health Insurance Plan of Greater New York (see Appendix B), this plan subsidizes, in part, this coverage.




AND

MEDICAL

SURGICAL
COMPANY, UNION,
AND
DATE OF INFORMATION

HEALTH

193

INSURANCE

PLANS

- Continued

MEDICAL - Continued

MATERNITY PROVISIONS

Dependents
Allowance
Else­
Home Office Hospi­ where
tal

(M

(*)

(l *
)

H

Maximum
compensation

n

Surgical Medical

Hospitalization
Benefits begin Maxi­ Maxi­
Accident Daily
mum mum
Other
and
number number provisions sickness benefit Dura­
Sick­ Acci­ visits days
or
tion
ness
dent paid
paid
service
for
for

(l )

(*)

(i )

(M

(l )

Regular
benefits
for 6
weeks

Schedule
Extra
Maximum
allowance Amounts
room and allowance Lump
and
for
or
sum normal limitations
board
allowance services
delivery

Employee and dependent:
Immediately

Employee
—

—

—

Benefits available to
newly insured

Up to Up to $85
$100
<4
3)
(*)

Dependent
Up to Up to $75
$ 10 0

(*)

Employee
only:
Entitled to
3 visits
within 31
days after
returning
to work

—
(M

(3)

Employee and dependent
Up to Up to $75

(l )

Employee and dependent:
If pregnancy commences while
insured

$ 10 0

1 No medical benefit provided by plan; however, if employee joins Health Insurance Plan of Greater New York (see Appendix B), this plan subsidizes, in part, this coverage.
* Not available if employee earns $25 or less per week.

3 Not
 available if employee earns less than $37.50 per week.
4 No accident and sickness insurance benefit provided by plan; employees covered by paid sick leave plan.


194
SELECTED

AND

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

OTHER BENEFITS1
*
COMPANY, UNION,
AND
DATE OF INFORMATION

Dependents of retired employee

Retired employee
Types and amounts
Life insurance

Retail drug industry,
various associations
and employers
(New York, N. Y.)

HEALTH

Accidental
death and
di smemoerment

Hospitalization

Surgical

Medical

Life
insurance

Hospitali­
zation

Surgical

Medical

Employee and dependents
Optical, dental, X-rav, and blood bank services—
available at special rates

Retail, Wholesale, and
Department Store
Union, Local 1199
(CIO)
September 1954

Prudential Life Insurance
Company of America
Insurance Agents (AFL)
September 1954

Employee and dependents
Polio allowance— 75 percent of expenses incurred
and not covered by other plan benefits during 3-year
period following date of first treatment; maximum—
$5,000

Same as for
active employee 3

Same as for active
employee but lim­
ited during retire­
ment to $700 for
room and board
and $100 for extra
services

Same as
for active
employee
but lim­
ited dur­
ing re­
tirement
to $225

Same as
Same as
for retired for
employee retired
employee

Major medical expense benefit— 75 percent of expenses not covered by other plan benefits incurred
during each benefit year which is in excess of
"deductible"; maximum— $ 10,000 per person during
his lifetime *

1

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

EXPLANATORY NOTES.

A benefit year is a 12-month period beginning day first charge included in the "deductible" occurred. The "deductible" varies, according to earnings, from $100 to $500. In case of occupa­
http://fraser.stlouisfed.org/ of employee, benefits received under Workmen's Compensation reduce the eligible expenses under this program.
tional disability
s Employees retiring prior to age 65 may, at any time, have his insurance reduced to $1,000, at which time his contribution ceases.
Federal Reserve Bank of St. Louis

195

INSURANCE

PLANS

- Continued

FINANCING
Benefits for
employee
Company
Jointly
only

Benefits for employee's
dependents

only

Benefits for retired
employee

Jointly Employee Company Jointly
only
only

Benefits for dependents
of retired employee

Amount of contribution for—
Benefits for employee and dependents

only

only

Jointly

only

Employee

X

X

X

Company

Benefits for retired employee
and dependents
Employee

Company

Full cost—3 percent
of monthly payroll

X

X

X

Life insurance:
$0.115 weekly per $1,000 of
insurance1
Major medical expense benefit:
Benefit for employee only, $6.45
per week; for employee and chil­
dren, $0.70; for employee and wife,
$1.10; for employee, wife and
children, $1.35

Balance of cost1

Hospitalization and
surgical:
Benefits for employee
only, $0.30 per week;
for employee and chil­
dren, $0.60; for em­
ployee and wife; $0.80;
for employee, wife and
children, $1.00

Life insurance:
Full cost*
Hospitalization
and surgical:
Balance of cost

Other benefits:
Benefits for employee only, $0.30
per week; for employee and chil­
dren, $0.60; for employee and wife,
$0.80; for employee, wife and
children, $1.00

* At age 65 employees* contribution for life insurance ceases and company pays full cost of this insurance.
Employees retiring prior to age 65, may maintain insurance in effect until age 65 by continuing to contribute towards its cost or have insurance reduced to $1,000 and cease contributing.




196
SELECTED

ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

Realty Advisory Board
on Labor Relations
(New York, N. Y.)

Amount

If permanently and totally disabled

After 30 days'
employment

AND

ACCIDENTAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

New employees
become
eligible- -

HEALTH

Amount
Before
age—

Insurance is—
. Maintained

$500 1

60

60

X

Paid in—

Graduated
according to—

Single
MultiDeath dismem­ dismem­
berment berment

X

Accident and
$1,000
sickness benefits:
After 4 weeks'
covered employ*
ment

Cases
covered

Building Service
Employees (AFL)
October 1954

Hotel Association of
New York City
New York Hotel Trades
Council (AFL)
August 1954

1 st of month fol­
lowing 30 days'
employment and
union member­
ship

$1,000 $500

$1,000

Nonoccupational

$1,500 $750

$1,500

Other benefits:
After 4 months'
covered employ­
ment and 6
months' union
membership

Laundry industry,
various employers’

Nonoccupational;
occupa­
tional

Laundry Workers (AFL)
National plan

$1,000

February 1955

On January 1, 1955, insurance is to be increased to $750 and on January 1, 1956 to $1,000,




60

For 2 years

197

INSURANCE

PLANS

- Continued

ACCIDENT AND SICKNESS

HOSPITALIZATION

Duratidn of benefits
Cases
covered

Benefits begin

Except

Amount
Period

After Benefits limited
to—
age—

Accident Sickness

Daily
benefit
or
service

Extended
coverage
Duration

Daily
amount

Days

(*)

Nonoccupational

Nonoccupational

$15 per week

Classes I, HI and V— $10
per week
Class VI—$ 12 per week
Class VH— $20 per week

(l )

13
weeks
per dis­
ability

13
weeks
per dis­
ability

(l )

(l )

(l )

(l )

1 st

day

8 th

Semiprivate
room

day

21

days

180

50 percent
of cost of
semi­
private
room

8 th day
or 1st ill
hospital

Emergency
out-patient
care

Per
disa­
bility

Full cost of
specified serv­
ices for 1st 21
days; 50 percent
of cost for addi­
tional 180 days

X

Up to $7.25

X

Up to $7.25

Employee and dependents

day
Semiprivate
room

1 st

Extra allowance Per
or service
year

Employee and dependents

—
(l )

Maximum
room and
board
allowance

21

days

180

50 percent
of cost of
semiprivate
room

Full cost of
specified serv­
ices for 1st 21
days; 50 percent
of cost for addi­
tional 180 days

Employee only
Up to $10 70 days

|

_

$700

Up to $50

X

(*)

1
1 No accident and sickness insurance benefit provided under plan; employees covered by the New York State temporary disability law.

See Appendix A.
Amount depends on employer contribution to program and/or variation in amount of surgical and medical benefits provided the various classes of employees covered by program.




198
SELECTED

Realty Advisory Board
on Labor Relations
(New York, N. Y.)
Building Service
Employees' (AFL)
October 1954

Up to schedule
allowance
accepted as full
payment if annual
income is under—

Employee

Operation schedule—
selected allowances
Covers
cases
Employee

Dependents

Up to schedule
allowance
accepted as full
payment if annual
income is under—

Benefits begin

Allowance
Office

Hospi­
tal

Else­
where

Maximum
compensation

Sickness

Maxi- Maximum
mum
number number
visits
days
paid
paid
for
for

Maximum schedule allowance Hospital,
¥250“
$250
office, home,
elsewhere
Tonsillectomy
Up to $50
Under age 12
up to $30;
over age 12,
up to $50
Appe ndec tomy
Up to”$ 12 5 "' fllp to "$"l2f

Hotel Association of
New York City
New York Hotel Trades
Council (AFL)
August 1954

Provided by
New York
Hotel Trades
Council and
Hotel Associa
tion Health
Center

Provided by New York Hotel Trades Council and Hotel Association Health Center1

<)
‘

Laundry industry,
various employers
Laundry Workers (AFL)
National plan
February 1955

Maximum
schedule
allowance
$250

Hospital,
office, home,
elsewhere

Tonsillectomy
Up to $41.67
Appendectomy

xjptoimrer
(*)

See Appendix D.
Benefits described here cover majority of employees under program.




AND

MEDICAL

SURGICAL
COMPANY, UNION,
AND
DATE OF INFORMATION

HEALTH

(*)

Up to
$5 per
visit

(*)

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

(a
)

(*)

$250 per disability

(*)

Home
and
office:
2 d visit

(*)

1 per
day;
3 per
week;
50 per
disa­
bility

(a)

199

INSURANCE

PLANS

- Continued

MEDICAL - Continued

MATERNITY PROVISIONS

Dependents
Allowance
E ls e
Office Hospi­ w here­
tal

Maximum
com pensation

Surgical Medical

Hospitalization
Benefits begin Maxi­ Maxi­
Accident
mum
mum
Other
and
number number provisions sickness
days
Sick­ A c c i­ visits
paid
ness
dent paid
for
for

Schedule
Extra
Maximum
Daily
allowance Amounts
benefit Dura­ room and allowance Lump
and
for
or
sum norm al lim itations
or
tion
board
service
allowance services
deliv ery

Employee and dependent:
Immediately

Employee and dependent
Up to Up to $75
$80

Regular
benefits
for 6
weeks

Benefits available to
newly insured

—

Employee and dependent:
Immediately

Employee
Up to Provided by New
$80 York Hotel Trades
Council and Hotel
Association Health
Center 2

(M

Dependent

_

Up to
$80

Employee only

---------1
-------

T

$75 maternity allowance for hospitalized cases; $50 for nonhospitalized
cases

Available only to employee insured for life, accidental death and dismemberment, and hospitalization,
See Appendix D.




Employee only:
After 9 months

200
SELECTED

HEALTH

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

OTHER BENEFITS1
COMPANY, UNION.
AND
DATE OF INFORMATION

Dependents of retired employee

Retired employee
Types and amounts
Life insurance

Accidental
death and
di smemoerment

Hospitalization

Surgical

Medical

Life
insurance

Hospitali­
zation

Surgical

Realty Advisory Board
on Labor Relations
(New York, N. Y.)
Building Service
Employees (AFL)
October 1954

Hotel Association of
New York City
New York Hotel Trades
Council (AFL)

Employee only
Provided by New York Hotel Trades Council and
Hotel Association Health Center 2

August 1954

Laundry industry,
various employers
Laundry Workers (AFL)
National plan

Age 65, plan
coverage, and 20
years1 union
membership:
T500

February 1955

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

2 See
 Appendix D.


AND

Medical

201

INSURANCE

PLANS

- Continued

FINANCING
Benefits for
employee

Benefits for employee's
dependents

Benefits for retired
employee

Benefits for dependents
of retired employee

Amount of contribution for—

Company Jointly Company Jointly Employee Company Jointly Employee Company
Jointly Employee
only
only
only
only
only
only
only

Benefits for employee and dependents
Employee

Company

X

X

X

Employee

Company

Full cost— $17 per
quarter 1

X

Benefits for retired employee
and dependents

Full cost— 3 percent
of payroll

X

X

C o m p a n y 's co n trib u tio n to b e in c r e a s e d to $ 1 8 . 7 5 p er q u arter p e r e m p lo y e e on J an u ary 1,




Full cost

1 9 5 5 ; to $ 2 0 . 2 5 p er q u a r te r p e r e m p lo y e e on Jan u ary 1, 1 9 5 6 .

Full cost




203

id ix A
State T e m p o r a r y Disability I n s u r a n c e
In 1954, four States h a d statutes providing protection
f r o m loss of w a g e s b e c a u s e of t e m p o r a r y disability arising out
of n o n o c c u p a t i o n a l c a u s e s .
T h e first of these l a w s w a s e n a c t e d
b y R h o d e Island in M a y 1942.
Benefits b e c a m e p a y a b l e o n
A p r i l 1, 1943.
California* s p r o g r a m w a s a d o p t e d in M a y 1946,
N e w J e r s e y * s in J u n e 1948, a n d N e w Y o r k State* s in A p r i l 1949.
In R h o d e Island, California, a n d N e w J e r s e y , these stat­
utes a r e a d m i n i s t e r e d b y the State e m p l o y m e n t security a g e n c i e s
in c o o r d i n a t i o n wit h u n e m p l o y m e n t insura n c e . C o v e r a g e of w o r k ­
e r s a n d e m p l o y e r s is identical u n d e r the t w o p r o g r a m s .
The
N e w Y o r k statute, h o w e v e r , is a d m i n i s t e r e d b y the W o r k m e n * s
C o m p e n s a t i o n B o a r d a n d c o v e r a g e differs f r o m u n e m p l o y m e n t
insurance•
B r i e f descriptions of the benefits p r o v i d e d to e m p l o y e d
w o r k e r s u n d e r these four State plans a r e p r e s e n t e d b e l o w . B e n e ­
fits a r e also p r o v i d e d u n d e r these statutes for w o r k e r s w h o b e ­
c o m e d i s a b l e d w h i l e u n e m p l o y e d but these a r e not d i s c u s s e d h e r e .
I n f o r m a t i o n o n t hese provi s i o n s , as well as m o r e detailed a n a l y s e s
of the statutes, a r e c o n t a i n e d in publications of the U . S. D e p a r t ­
m e n t of L a b o r * s B u r e a u of E m p l o y m e n t Security.

a n y u n e x p i r e d portion of it is w a i v e d u p o n e n t r y into a hospital
for a full d a y of c o n f i n e m e n t . F o r e a c h d a y of disability in e x ­
c e s s of s e v e n , benefits a r e p a i d at a rate of o n e - s e v e n t h of the
weekly amount.
T o qualify for benefits a w o r k e r m u s t e a r n a m i n i m u m
of $ 3 0 0 d u r i n g his b a s e period.
T h e b a s e p e r i o d is defined as
the first 4 of the last 5 c a l e n d a r q u a r t e r s p r e c e d i n g disability
b e g i n n i n g in the s e c o n d o r third m o n t h of a quarter.
It is the
first 4 of the last 6 c a l e n d a r q u a r t e r s p r e c e d i n g disability b e ­
ginning in the first m o n t h of a quarter.
If m o r e than 75 p e r c e n t of the w o r k e r * s earn i n g s a r e
in o n e quarter, his b a s e p e r i o d w a g e s m u s t e q ual 30 t i m e s the
w e e k l y benefit a m o u n t o r I 73 t i m e s his h i g h - q u a r t e r w a g e s , w h i c h ­
e v e r is less.
This provision m a k e s s o m e seasonal a nd short­
t e r m w o r k e r s ineligible.
In c a s e s w h e r e a w o r k e r is receiving a n a m o u n t for
w o r k m e n * s c o m p e n s a t i o n w h i c h is less than the a m o u n t h e w o u l d
r e c e i v e for the s a m e disability u n d e r the t e m p o r a r y disability
statute, h e is entitled to the difference.
A w o r k e r receiving
w a g e s while not w o r k i n g is eligible for benefits if the c o m b i n e d
w a g e s a n d benefits do not e x c e e d 70 p e r c e n t of his w a g e s prior
to disability.

California
T y p e of p l a n .— California o p e r a t e s a State fund with p r o ­
visions for substituting private t e m p o r a r y disability plans w h e n
b o t h e m p l o y e r a n d a m a j o r i t y of e m p l o y e e s agr e e . A n individual
w o r k e r , h o w e v e r , m a y reject the private plan for c o v e r a g e b y
the State fund.
T h e private p l a n m u s t supp l y benefits equal in
all r e s pects, a n d s u p e r i o r in at least one, to the State fund.
F i n a n c i n g .— O n e p e r c e n t of the first $ 3 , 0 0 0 of a n n u a l
w a g e s is p a i d b y e m p l o y e e s c o v e r e d b y the State Disability F u n d ;
n o contribution is m a d e b y e m p l o y e r s .
In the c a s e of private
p l a n s , n o e m p l o y e e m a y b e c h a r g e d m o r e than 1 p e r c e n t of the
first $ 3 , 0 0 0 of a n n u a l w a g e s ; the e m p l o y e r p a y s a n y r e m a i n i n g
cost.
Benefit f o r m u l a .— W e e k l y benefits r a n g e f r o m $ 1 0 to $ 3 5
a n d a r e d e t e r m i n e d b y a s c h e d u l e of h i g h - q u a r t e r ea r n i n g s . T h e
m a x i m u m d u r ation is 2 6 w e e k s p e r disability. Benefit p a y m e n t s
start after 7 c o n s e c u t i v e d a y s of disability at the begi n n i n g of e a c h
u n i n t e r r u p t e d p e r i o d of disability. U n i n t e r r u p t e d p e r i o d s a r e c o n ­
secutive p e r i o d s of disability d u e to the s a m e o r related c a u s e s
a n d not s e p a r a t e d b y m o r e tha n 14 d a y s . T h i s waiting p e r i o d o r



N o p a y m e n t s a r e p r o v i d e d in c a s e s of illness o r injury
c a u s e d b y o r arising out of p r e g n a n c y w h e n originating prior to
2 8 d a y s after t e r m i n a t i o n of the p r e g n a n c y .
New

Jersey

T y p e of p l a n .— A State f u n d is o p e r a t e d b y N e w J e r s e y ,
bu t p r o v i s i o n is m a d e for substitution of private t e m p o r a r y d i s ­
ability plans w h e n the benefits p r o v i d e d a r e eq u a l to o r better
than those p r o v i d e d b y the State f u n d a n d w h e n a m a j o r i t y of the
w o r k e r s in a n e s t a b l i s h m e n t elect c o v e r a g e b y the private plan,
o r w h e n a n e m p l o y e r is willing to a s s u m e the entire cost of
benefits •
F i n a n c i n g .— W o r k e r s c o v e r e d b y the State plan p a y 0 . 5
p e r c e n t of the first $ 3 , 0 0 0 of a n n u a l earnings; e m p l o y e r s n o r ­
m a l l y p a y a b a s i c 0 . 2 5 p e r c e n t o n the first $ 3 , 0 0 0 .
The e m ­
ployer* s contribution m a y b e v a r i e d b e t w e e n the limits of 0 . 7 5
p e r c e n t a n d 0. 1 p e r c e n t d e p e n d i n g o n the f i r m * s e x p e r i e n c e rating.
W o r k e r s c o v e r e d b y private plans c a n n o t b e a s s e s s e d m o r e than
0 . 5 p e r c e n t of the first $ 3 , 0 0 0 of a n n u a l e a r n i n g s .
Employers
p a y a n y r e m a i n i n g cost.

204

Benefit f o r m u l a ,— T o qualify for benefits, 17 b a s e w e e k s
of e m p l o y m e n t a r e r e q u i r e d in the 52 w e e k s p r e c e d i n g the w e e k
in w h i c h the disability begins. A b a s e w e e k is a w e e k in w h i c h
wa g e s f r o m one e m p l o y e r are $15 or m o r e .
W e e k l y benefits
a r e c o m p u t e d at t w o - t h i r d s of the a v e r a g e w e e k l y w a g e , with a
m i n i m u m of $ 1 0 a n d a m a x i m u m of $ 3 0 .
T h e average weekly
w a g e for e m p l o y e d w o r k e r s is d e t e r m i n e d b y a d d i n g all of the
w a g e s f r o m o n e e m p l o y e r duri n g the b a s e w e e k s in the 8 w e e k s
p r e c e d i n g disability a n d dividing b y the n u m b e r of s u c h w e e k s .
If this is less t han the a v e r a g e w a g e o b t a i n e d b y us i n g all e a r n ­
ings f r o m all e m p l o y e r s d u r i n g the 8 w e e k s p r e c e d i n g disability,
then all e a r n i n g s a r e u s e d .
Benefits a r e p a y a b l e u p to a m a x i m u m of f r o m 13 to 2 6
w e e k s for e m p l o y e d w o r k e r s d u r i n g a 1 2 - m o n t h period.
Maxi­
m u m p a y m e n t s a r e c o m p u t e d a s the l e s s e r of 2 6 t i m e s the w e e k l y
benefit o r three-fourths of the w a g e s in the b a s e w e e k s .
For
e m p l o y e d w o r k e r s , the b a s e p e r i o d is 52 w e e k s p r e c e d i n g the
w e e k in w h i c h the disability b e g a n .
P a y m e n t s c o m m e n c e after 7 d a y s at the b e g i n n i n g of a n
un i n t e r r u p t e d p e r i o d of disability.
A n u n i n t e r r u p t e d p e r i o d of
disability is defined as c o n s e c u t i v e p e r i o d s of disability d u e to
the s a m e o r related c a u s e s a n d s e p a r a t e d b y not m o r e than 14
days, if the individual e a r n e d w a g e s f r o m his last e m p l o y e r d u r ­
ing the 1 4 - d a y period.
F o r e a c h d a y of disability in e x c e s s of
seven, benefits a r e p a i d at a rate of o n e - s e v e n t h of the w e e k l y
amount.
P a y m e n t s for p a r t w e e k s a r e r o u n d e d to the n e x t h i g h ­
est dollar.
A w o r k e r is eligible for benefits e v e n t h o u g h receiving
w a g e s while not w o r k i n g p r o v i d e d the benefits plus w a g e s do not
e x c e e d his w a g e s pri o r to disability.
P a y m e n t s a r e not m a d e for disability w h i c h is du e to
p r e g n a n c y , childbirth, m i s c a r r i a g e , o r abortions.
Self-inflicted
injuries a n d injuries suffered wh ile p e r petuating high m i s d e m e a n o r s
a r e also e x c luded.
New

York

T y p e of p l a n .— In N e w Y o r k State e m p l o y e r s h a v e the
alternatives of c o v e r a g e u n d e r a n i n s u r a n c e c o m p a n y policy, a
State Disability F u n d policy, o r the y m a y obtain a p p r o v a l for self
ins u r a n c e .
E a c h e s t a b l i s h m e n t ca r r i e s its o w n risks w h e t h e r
u n d e r the State f u n d o r a private plan.
F i n a n c i n g .— U n d e r the N e w Y o r k law, e m p l o y e e s p a y 0 . 5
p e r c e n t of the first $ 6 0 of w e e k l y w a g e s , not to e x c e e d 30 cents
per week.
E m p l o y e r s p a y a n y r e m a i n i n g cost.



Benefit f o r m u l a .— W e e k l y benefits a r e c o m p u t e d a s o n e half of the a v e r a g e w e e k l y w a g e , subject to a m a x i m u m of $ 3 3
a n d a m i n i m u m of either $ 1 0 o r the a v e r a g e w e e k l y w a g e , w h i c h ­
e v e r is less.
T h e m a x i m u m dur a t i o n for benefits is 13 w e e k s
in a n y 52 conse c u t i v e w e e k s o r for a n y o n e p e r i o d of disability.
A 7 - d a y waiting p e r i o d is r e q u i r e d at the b e g i n n i n g of e a c h u n i n ­
t e r r u p t e d p e r i o d of disability. A n u n i n t e r r u p t e d p e r i o d includes
all p e r i o d s of disability c a u s e d b y the s a m e o r related injury o r
sickness, if not s e p a r a t e d b y m o r e t han 3 m o n t h s .
T o qualify for benefits, e m p l o y e d w o r k e r s m u s t h a v e h a d
four o r m o r e c o n s e cutive w e e k s of c o v e r e d e m p l o y m e n t (or 2 5
d a y s r e g u l a r p a r t - t i m e e m p l o y m e n t ) p r i o r to c o m m e n c e m e n t of
the disability.
In the c a s e of private plans, benefits m u s t b e at least
equivalent to statutory benefits.
Benefits related to disability
(hospitalization, surgical, etc.) of the individual o r of his d e ­
p e n d e n t s m a y b e substituted for c a s h w a g e loss benefits, a c c o r d i n g
to a table of equivalents; c a s h benefits m u s t , h o w e v e r , b e at
least 60 p e r c e n t of those in the statutory sc h e d u l e . P r i v a t e plans
existing w h e n the disability l a w w a s e n a c t e d m a y continue d u r i n g
the p e r i o d of the contract a n d m a y b e e x t e n d e d b y collective b a r ­
gaining a g r e e m e n t without m e e t i n g statutory conditions.
Benefits a r e not p a y a b l e for disability conditions arising
out of p r e g n a n c y e x c e p t after a r e t u r n to c o v e r e d e m p l o y m e n t
for at least 2 c o n secutive w e e k s following t e r m i n a t i o n of p r e g n a n c y .
In N e w Y o r k , benefits a r e not p a y a b l e for a n y d a y for
w h i c h the w o r k e r is entitled to r e m u n e r a t i o n e q u a l to the b e n e ­
fits.
T h i s d o e s not a p p l y to v o l u n t a r y aid f r o m the e m p l o y e r .
W o r k e r s a r e not eligible for benefits for a n y p e r i o d in w h i c h
w o r k m e n * s c o m p e n s a t i o n is p a y a b l e , other t h a n p e r m a n e n t p a r ­
tial benefits for a p rior disability.
R h o d e Island
T y p e of p l a n .— R h o d e Island h a s a n e x c lusive State f u n d
with n o p r o vision for the substitution of private t e m p o r a r y d i s a ­
bility plans.
F i n a n c i n g .— A n e m p l o y e e contribution of 1 p e r c e n t of the
first $ 3 , 0 0 0 of a n n u a l w a g e s is r e q u i r e d . E m p l o y e r s do not c o n ­
tribute to the fund.
Benefit f o r m u l a .— T h e benefit f o r m u l a in R h o d e Island is
the s a m e as for u n e m p l o y m e n t i n s u r a n c e .
T h e w e e k l y benefit is
d e t e r m i n e d b y a table p r o v i d e d in the statute a n d a v e r a g e s a b o u t
one-t w e n t i e t h of the h ighest q u a r t e r e a r n i n g s d u r i n g the b a s e
period. A b a s e p e r i o d consists of the last four c a l e n d a r q u a r t e r s
p r e c e d i n g the benefit y e a r .
A benefit y e a r b e g i n s w i t h a v a l i d

c l a i m for disability benefits.
Qualifying w a g e s d u r i n g the b a s e
p e r i o d a r e 30 t i m e s the w o r k e r ' s w e e k l y benefit a m o u n t , in c o v ­
ered employment.
T h e w e e k l y benefit r a n g e s f r o m $ 1 0 to $ 2 5. 1 T h e d u r a ­
tion is b a s e d o n a s c h e d u l e of total b a s e p e r i o d earnings, in
c o v e r e d e m p l o y m e n t , a n d r a n g e s f r o m $ 1 0 4 for b a s e p e r i o d w a g e s
of $ 3 0 0 to $ 4 0 0 , u p to $ 6 5 0 for w a g e s of $ 2 , 4 0 0 o r m o r e .
In
t e r m s of w e e k s of disability, duration r a n g e s f r o m slightly m o r e
than 7 w e e k s u p to 2 6 w e e k s .

a r e p a i d for p art w e e k s
w e e k s in w h i c h benefits
w e e k l y a m o u n t for e a c h
benefits, r o u n d e d to the

of disability, following 2 c o m p e n s a b l e
w e r e paid, at a rate of one-fifth of the
w e e k d a y u p to four-fifths of the w e e k l y
n ext highest dollar.

A w o r k e r m a y receive c o m b i n e d w o r k m e n ' s c o m p e n s a t i o n
a n d disability benefits u p to 85 p e r c e n t of his a v e r a g e w e e k l y
w a g e o n his last job, p r o v i d e d c o m b i n e d p a y m e n t s do not e x c e e d
$53.
H e is eligible e v e n t h o u g h receiving r e g u l a r w a g e s o r a
p a r t thereof, while not w o r k i n g .

T h e r e is a waiting p e r i o d of 7 c o n secutive d a y s of di s ­
ability in the benefit y e a r , e x c e p t in p r e g n a n c y c a s e s . Benefits
1 Effective
per week.




January

1,

1956,

the m a x i m u m

will b e

$30

Benefits for p r e g n a n c y a r e l i m ited to 12 consecutive
w e e k s b e g i n n i n g 6 w e e k s p r i o r to e x p e c t e d childbirth a n d ending
not m o r e than 6 w e e k s following childbirth, e x c e p t for u n u s u a l
complications.

206

A ppendix B
H e a l t h I n s u r a n c e P l a n of G r e a t e r N e w

York

E s t a b l i s h e d o n M a r c h 1, 1947, the H e a l t h I n s u r a n c e P l a n
of G r e a t e r N e w Y o r k (HIP) p r o v i d e s p r e p a i d m e d i c a l a n d surgical
care. A t the e n d of 1954, a l m o s t 4 2 5 , 0 0 0 p e o p l e w e r e c o v e r e d .
S e r v i c e s a r e p r o v i d e d t h r o u g h 2 9 affiliated m e d i c a l g r o u p s
located t h r o u g h o u t the G r e a t e r N e w Y o r k m e t r o p o l i t a n a r e a . M o s t
of these g r o u p s h a v e their o w n m e d i c a l center. S e r v i c e s of g e n ­
eral ph y s i c i a n s a n d specialists in 12 bas i c fields of m e d i c i n e a r e
p r o v i d e d at e a c h m e d i c a l center.
In addition, the c enters a r e
e q u i p p e d with diagnostic laboratories, X - r a y a n d phy s i c a l t h e r a p y
e q u i p m e n t , a n d a m b u l a n c e service.
Eligibility.— M o s t m e m b e r s of H I P a r e enro l l e d t h r o u g h
g r o u p s o r g a n i z e d b y either u n i o n s o r e m p l o y e r s .
Other groups
h a v e b e e n set u p a m o n g city, State, a n d F e d e r a l e m p l o y e e s a n d
a m o n g tenant g r o u p s . T h e m i n i m u m size of participating g r o u p s
is 10; h o w e v e r , d e p e n d e n t s m u s t also b e i ncluded in the c o v e r a g e
if the g r o u p includes less than 2 5 e m p l o y e e s . O n leaving his job
a n e m p l o y e e c a n continue as a s u b s c r i b e r b y p a y i n g a p r e m i u m
direct to H I P . All m e m b e r s of a g r o u p a r e a c c e p t e d r e g a r d l e s s
of a g e o r p h y s i c a l condition. D e p e n d e n t s include s p o u s e a n d u n ­
m a r r i e d c hildren u n d e r 18 y e a r s of age. F o r a g r o u p of 2 5 o r
m o r e to qualify, at least 75 p e r c e n t of those eligible in the unit
c o v e r e d b y the g r o u p m u s t enroll.
A n y p e r s o n is eligible to join r e g a r d l e s s of his a n n u a l
i n c o m e . H o w e v e r , the b a s e p r e m i u m rate applies to single p e r ­
sons e a r n i n g not m o r e than $ 5 , 0 0 0 a y e a r a n d to m a r r i e d p e r s o n s
with f a m i l y i n c o m e s of not m o r e than $ 6 , 5 0 0 a y e ar.
Partici­
pants e a r n i n g a b o v e these a m o u n t s p a y a h i g h e r p r e m i u m .

provides

B e n e f i t s .— G r e a t e r N e w Y o r k * s H e a l t h I n s u r a n c e P l a n
g e n e r a l m e d i c a l c a re, the s e r v i c e s of specialists,




surgical care, a n d m a t e r n i t y c a r e at H I P m e d i c a l centers, in the
doctors* offices, in hospitals, a n d at h o m e .
Diagnostic a n d l a b o ­
r a t o r y services, physical t h e r a p y , X - r a y t r e a t m e n t , a n d o t h e r
special t r e a t m e n t s a r e p r o v i d e d at the health c enters.
Among
ot h e r benefits p r o v i d e d a r e p r o f e s s i o n a l s e r v i c e s for the a d m i n i s ­
tration of b l o o d o r p l a s m a , p e r i o d i c health e x a m i n a t i o n s , i m m u ­
nizations a n d other p r e v e n t i v e m e a s u r e s , e y e e x a m i n a t i o n s ,
visiting n u r s e service, psychiatric advice, a n d a m b u l a n c e service.
M e n t a l a n d physical conditions r e q u i r i n g long t e r m insti­
tutional c a r e a r e excluded.
Cases covered b y W o r k m e n * s C o m ­
pensation, the V e t e r a n s * A d m i n i s t r a t i o n , a n d o t h e r g o v e r n m e n t a l
a g e n c i e s a r e also e x c l u d e d f r o m H I P benefits. O t h e r i t e m s not
i n c l u d e d a r e t r e a t m e n t s for a l c o h o l i s m a n d d r u g addiction, p u r e l y
c o s m e t i c s u r g e r y , artificial l i m b s a n d e y e g l a s s e s , p r e s c r i b e d
d r u g s , biologicals, a n d a n e s t h e s i a w h e n a d m i n i s t e r e d in a hospital.
T h e H e a l t h I n s u r a n c e P l a n offers a w i d e r a n g e of b e n e ­
fits to e m p l o y e e s a n d d e p e n d e n t s living outside a r e a s s e r v e d b y
H I P m e d i c a l groups.
C a s h p a y m e n t s a r e m a d e for s u r g e r y ,
m a t e r n i t y care, X - r a y a n d l a b o r a t o r y e x a m i n a t i o n s , a n d a m b u l a n c e
service.
P a y m e n t for these s e r v i c e s a n d oth e r s a r e m a d e a c ­
c o r d i n g to a S c h e d u l e of I n d e m n i t i e s , w h i c h a l l o w s u p to $ 3 0 0 for
certain surgical p r o c e d u r e s a n d u p to $ 2 0 0 for obstetrical p r o ­
c e d u r e s . In addition, p r e v e n t i v e c a r e (health e x a m i n a t i o n s , i m ­
m u n i z a t i o n s , etc.), a n d g e n e r a l m e d i c a l a n d specialist c a r e at
h o m e , doctors* offices, a n d hospitals a r e i n d e m n i f i e d . F o r e a c h
h o m e visit, H I P p a y s u p to $ 4 a n d for e a c h office o r hospital
visit u p to $3, if the visit is not in c o n n e c t i o n w i t h a condition
for w h i c h p a y m e n t is a l l o w e d u n d e r the S c h e d u l e of C a s h I n d e m ­
nities.
In e a c h c a s e there is a limit of o n e visit a d a y a n d of
100 visits for a n y o n e illness o r injury.
T h e exclusions noted
a b o v e for i n - a r e a H I P s u b s c r i b e r s also a p p l y to o u t - o f - a r e a
subscribers.

207

Appendix C
K a i s e r F o u n d a t i o n Health Plan
M e d i c a l c a r e a n d hospitalization a r e p r o v i d e d t h r o u g h the
K a i s e r F o u n d a t i o n H e a l t h P l a n to n e a r l y a half million p e r s o n s
in the W e s t C o a s t States. T h i s is a voluntary p r e p a i d g r o u p p r a c ­
tice plan.
A n u m b e r of m o d e r n hospitals a r e o p e r a t e d b y the
plan; the p l a n also m a i n t a i n s m e d i c a l centers located t h r o u g h o u t
the a r e a s s e r v e d .
S a n Francisco, L o s Angeles, a n d Portland
a r e the t h ree m a j o r a r e a s s e r v e d b y the K a i s e r Pl a n . P a r t i c i ­
pation in the plan, h o w e v e r , is s p r e a d i n g in other W e s t C o a s t
areas•
Eligibility.— B o t h g r o u p a n d individual m e m b e r s h i p a r e
available. H o w e v e r , m e m b e r s h i p m o s t c o m m o n l y o c c u r s t h r o u g h
participating g r o u p s chiefly o r g a n i z e d o n a u nion o r c o m p a n y
basis.
Individuals m a y continue c o v e r a g e after d r o p p i n g out of
the g r o u p s but m u s t p a y different p r e m i u m rates for s u c h benefits
available to t h e m . M e m b e r s , s p o u s e s , a n d d e p e n d e n t u n m a r r i e d
c h i l d r e n u n d e r 19 y e a r s of a g e a r e eligible for c o v e r a g e .
B e n e f i t s .— T h e benefits p r o v i d e d v a r y with particular sit­
uations o r the n e e d s of special g r o u p s of s u b s c r i b e r s . T h e b e n e ­
fits d e s c r i b e d b e l o w a r e t h o s e p r o v i d e d for e m p l o y e e s c o v e r e d b y
p r o g r a m s in this r e p o r t w h i c h utilize the K a i s e r p l a n .1
All s e r v i c e s of physicians, including s u r g e o n s a n d s p e ­
cialists, a r e p r o v i d e d with o u t c h a r g e for in-hospital c a re. D o c ­
tor* s c a r e at the office is also p r o v i d e d without cost, including
consultation a n d t r e a t m e n t b y specialists a n d e y e e x a m i n a t i o n s
for glasses.
In the h o m e , a $ 2 c h a r g e is m a d e for the first
visit for e a c h illness o r injury. N o c h a r g e s a r e m a d e for f o l l o w ­
u p calls b y the d o c t o r o r for calls of visiting n u r s e s , w h e n u n d e r
doctor* s o r d e r s .
U n l i m i t e d e m e r g e n c y service is p r o v i d e d in
c a s e s of s u d d e n illness o r injury.

c h a r g e s a r e c o v e r e d while in the hospital, including anesthetics,
m e d i c i n e s , a n d d r u g s . A private r o o m a n d private n u r s i n g c a r e
a r e p r o v i d e d w h e n n e e d e d . N o c h a r g e s a r e m a d e for b l o o d t r a n s ­
fusions if the b l o o d is r eplaced.
A c h a r g e of $ 6 0 c o v e r s c o m p l e t e m a t e r n i t y c a r e to the
m o t h e r b efore, during, a n d after c o n f i n e m e n t , a n d full c a r e of
the child.
In c a s e s of i n t e r rupted p r e g n a n c y , s u c h as m i s c a r ­
riage, the c h a r g e is n o m o r e than $ 4 0 . A $ 1 5 c h a r g e is m a d e
for the r e m o v a l of tonsils a n d adenoids; this c o v e r s all services.
N o c h a r g e is m a d e for o t h e r surgical p r o c e d u r e s .
X - r a y s , l a b o r a t o r y services, e l e c t r o c a r d i o g r a m s , a n d
p h y s i o t h e r a p y a r e p r o v i d e d in a n d out of the hospital, without
c h a r g e , o n doctors* o r d e r s .
D e n t a l X - r a y s a r e also available
without c h a r g e .
H o w e v e r , dental c a r e is not pr o v i d e d .
Ambu­
l a n c e s e r v i c e is furnished, o n doctors* o r d e r s , within 30 m i l e s
of a n y H e a l t h P l a n m e d i c a l office o r hospital. A l t h o u g h c h a r g e s
a r e n o t m a d e for m e d i c i n e s a n d d r u g s in the hospital, the patient
m u s t p a y for a n y supplied in the office o r at h o m e .
In c a s e s of a c c i d e n t (but not illness), w h e n m o r e than
3 0 m i l e s f r o m the n e a r e s t K a i s e r P l a n hospital o r office, e x p e n s e s
a r e r e i m b u r s e d u p to $ 2 5 0 for e m e r g e n c y c a r e until the injured
p e r s o n * s condition p e r m i t s travel to a K a i s e r H e a l t h P l a n facility.

D i a g n o s t i c s e r v i c e s a r e p r o v i d e d for polio. S e r v i c e s for
rehabilitation a n d t r e a t m e n t of this disease, after the acute a n d
c o n tagious stage, a r e p r o v i d e d for u p to 1 y e a r o r u p to a value
of $ 2 , 5 0 0 , w h i c h e v e r is r e a c h e d first. T h e s e s e r v i c e s a r e avail­
able at the rehabilitation c e n t e r s at S a n t a M o n i c a a n d Vallejo,
Calif. N o c a r e is p r o v i d e d d u r i n g the contag i o u s stage. In c a s e s
of o t h e r quara n t i n a b l e d i s e a s e s a n d t u b e r c u l o s i s , serv i c e s a r e
available for diagnosis only, a l t h o u g h e m e r g e n c y t r e a t m e n t for
t u berculosis is p r o v i d e d until p r o p e r p l a c e m e n t of the patient is
H o s p i t a l c a r e is p r o v i d e d for 111 d a y s a y e a r for e a c h
m a d e a n d c a r e for tuberculosis is p r o v i d e d w h e r e isolation is u n ­
illness o r injury, a n d its r e c u r r e n c e s a n d compli c a t i o n s .
All
n e c e s s a r y . F o r m e n t a l illness, o n l y diagnosis is available. C a r e
for a l c o h o l i s m is not p r o v i d e d for the condition itself but is avail­
1
Pacific M a r i t i m e A s s o c i a t i o n a n d L o n g s h o r e m e n * s aable for s u c h conditions as cirrhosis, malnutrition, a n d injuries
nd
c a u s e d b y alcoholism.
N o s e r v i c e s a r e p r o v i d e d for conditions
W a r e h o u s e m e n * s U n i o n (ind.) a n d T h e Distributor* s A s s o c i a t i o n
resulting f r o m m a j o r disasters, e p i d e m i c s , o r in c a s e s of at­
of N o r t h e r n California a n d L o n g s h o r e m e n * s a n d W a r e h o u s e m e n * s
U n i o n (ind.) plans.
t e m p t e d suicide o r intentionally self-inflicted injuries.




208

Appendix D
N e w Y o r k Hotel T r a d e s Council ( A F L ) a n d
H o t e l A s s o c i a t i o n H e a l t h C e n t e r , Inc. P l a n
T h e N e w Y o r k H o t e l T r a d e s C o u n c i l (AFL») a n d the Ho t e l
A s s o c i a t i o n of N e w Y o r k City s p o n s o r a health cen t e r w h i c h s e r v e s
a p p r o x i m a t e l y 3 5 , 0 0 0 u n i o n e m p l o y e e s of 180 o r m o r e hotels a n d
a b o u t 50 hotel c o n c e s s i o n s in N e w Y o r k City. T e n local unions
a r e involved. T h i s p l a n originated in 1949, u n d e r collective b a r ­
gaining, w h e n the parties a g r e e d to establish a H e a l t h C e n t e r
program.
T h e C e n t e r b e g a n o p e r a t i o n s in O c t o b e r 1950.
Eligibility.— All w o r k e r s c o v e r e d b y collective b a r g a i n i n g
a g r e e m e n t s b e t w e e n the N e w Y o r k Ho t e l T r a d e s C o u n c i l a n d the
e m p l o y e r s w h o a r e contributing m e m b e r s of the N e w Y o r k H o t e l
T r a d e s C o u n c i l a n d H o t e l A s s o c i a t i o n I n s u r a n c e F u n d a r e entitled
to c a r e at the H e a l t h C e n t e r .
In addition, m e m b e r s of the N e w
Y o r k H o t e l T r a d e s C o u n c i l in g o o d standing d u r i n g the p r e c e d i n g
6 m o n t h s , a n d e m p l o y e d full t i m e (as defined b y a d m i n i s t r a t i v e
p r o c e d u r e ) b y u n i o n contr a c t hotels o r c o n c e s s i o n s w h i c h h a d b e e n
contributing m e m b e r s to the F u n d d u r i n g the p r e c e d i n g 4 m o n t h s ,
a r e eligible for in-hospital m e d i c a l a n d surgical c are, e m e r g e n c y
a m b u l a n c e service, a n d visiting n u r s e s e r v i c e w h e n a u t h o r i z e d b y
the H e a l t h C e n t e r .
D e p e n d e n t s a r e no t c o v e r e d .
F i n a n c i n g .— Contributing e m p l o y e r s p a y 3 p e r c e n t of their
w e e k l y payroll into a f u n d w h i c h p r o v i d e s for a w e l f a r e p r o g r a m ,
including the H e a l t h C e n t e r .




B e n e f i t s .— A brief s u m m a r y of the benefits p r o v i d e d fol­
lows.
C o m p l e t e a m b u l a t o r y , diagnostic, a n d therapeutic s e r v i c e s
a r e p r o v i d e d at the H e a l t h C e n t e r .
H o m e c a r e is not p r o v i d e d
e x c e p t for e m e r g e n c y calls to d e t e r m i n e the n e e d for hospitali­
zation. In addition to the benefits available at the H e a l t h C e n t e r ,
m e d i c a l a n d surgical c a r e a r e p r o v i d e d in the hospital.
Benefits p r o v i d e d at the H e a l t h C e n t e r include g e n e r a l
m e d i c a l a n d specialists care; s t a n d a r d l a b o r a t o r y a n d o t her d i a g ­
nostic p r o c e d u r e s , including X - r a y s a n d refractions; p h y s i c a l
therapy, rehabilitation, X - r a y the r a p y , a n d injection therapy; the
s e r vices of m e d i c a l - s o c i a l w o r k e r s ; visiting n u r s e s ; a n d a m b u ­
lance service. D r u g p r e s c r i p t i o n s a r e sold at cost a n d e y e g l a s s e s
at r e d u c e d rates. P r e v e n t i v e p h y s i c a l e x a m i n a t i o n a n d p r e p l a c e ­
m e n t e x a m i n a t i o n s for n e w e m p l o y e e s a r e p r o v i d e d . T h e C e n t e r 1 s
diagnostic s e r vices a r e also available to patients u n d e r the c a r e
of private physicians.
C a r e is not p r o v i d e d for o c c u p a t i o n a l d i s e a s e s a n d i n ­
juries c o v e r e d b y w o r k m e n 1 s c o m p e n s a t i o n o r for c a s e s c o v e r e d
b y other a g e n c i e s s u c h a s the V e t e r a n s 1 A d m i n i s t r a t i o n . S e r v i c e s
a r e not p r o v i d e d for c a s e s r e q u i r i n g h ighly specialized t r e a t m e n t
o r c o n f i n e m e n t to special institutions, s u c h a s a c u t e a l c o h o l i s m ,
d r u g addiction, tuberculosis, a n d m e n t a l o r n e r v o u s d i s o r d e r s .
P r i v a t e duty n u r s i n g is not c o v e r e d .
H o w e v e r , visiting n u r s e
serv i c e following hospitalization is p r o v i d e d if s u c h c a r e is d e e m e d
necessary.

☆

U S. G V R M N PR TIN O E : 1955 O— 347946
.
O E N E T IN G FFIC