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O n e -H u n d re d
S e le c t e d
U n d e r C o lle c t iv e
U N IT E D
J a m e s
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 “package11 to include additional benefits, (2) the exten
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 “model11 plans, nor as a representative
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 •
iii
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 YjgrftPA Hnrpt
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)
88
vii
4
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 l o y m e n t 11 m e a n s e m p l o y m e n t b y a n e m p l o y e r
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
t i o n a l i n s u r a n c e 11 o r “ c o m p a n y m a k e s a v a i l a b l e l i f e i n s u r a n c e . 11
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 i f i e d s e r v i c e s 11 i s e n t e r e d .
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 11 w it h a f o o t n o t e e x p la i n in g t h is
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 . 11
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
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
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
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 .
60
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
Paid in—
N onoccupational;
occupa
tional
X
Automobile W ork ers (CIO)
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
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
After
age—
Benefits limited
to—
15 weeks
per d is
ability
Extended
coverage
Benefits begin
Except
Period
Nonoccupational
HOSPITALIZATION
Accident
Sickness
1 st
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
Same as
fo r activ e
em ployee
but lim ited
to $124
p er yea r
L ife
insurance
H ospita li
zation
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
X
L ife insurance b e fo re age 65:
Men— $ 1.80 per month
Women— $ 0. 90 per month
F ull c o s t
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
(M
100 days
—
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
E m ployee and dependents
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
T o n s ille c t o m y
Up to $30
Up to $30
June 1954
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
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
T o n s ille c t o m y
Up to $ 4 5
Up to $ 4 5
A N D
MEDICAL
Operation schedule—
s elected allow ances
E m ployee
H E A L T H
E m ployee
C o ve rs
ca s e s
in—
H o s p ita l,
o ffic e , h om e,
e ls e w h e r e
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
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
a llo w a n c e Lurr.p a llo wfoa rn c e
and
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
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
C om p a n y
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
A fte r
age—
B e n e fits lim ite d
to—
13 w eek s
p er d is
a b ility
E x ten d ed
coverage
B e n e fits b e g in
A c c id e n t
S ic k n e s s
1 st day
8th day
(M
(M
(* )
(M
D aily
b e n e fit
OI
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 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
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
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
'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
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
$ 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
c to m y
(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
a llo w a n c e Lurr.p a llo wfoa rn c e
and
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
(12 )
S u r g ic a l
Ho s p ita li za tio n
a x i
B e n e fits b egin M ax i M
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
3 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.
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 12
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—
—
—
—
—
—
(M
(l >
(M
(M
(l )
Extended
cov era ge
B enefits begin
A ccident
Sickness
Daily
benefit
or
se rv ice
Maximum
room and
board
allow ance
Duration
Days
Daily
amount
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
X
<*>
_
_ _
X
D ependents' benefits:
F ull c o s t
Company
Company
F ull co 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.
E m ployee
F ull c o s t
F u ll c o s t —2 p ercen t
o f w eekly p a yroll
X
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
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
Maximum
schedule
allow ance
H ospital
$35-----
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
C arpenters (A FL)
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
D ress industry, A ffilia ted
D ress M anu factu rers,
and other em p loyers
(New Y ork, N. Y .)
July 1954
AND
MEDICAL
SURGICAL
COMPANY, UNION,
AND
DATE OF INFORMATION
H E A L T H
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
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
w ife 's co v e ra g e .
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
“I------ 1----- 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
l1
1I
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—-u p to $25 fo r any one accid ent o r fo r all
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
x
x
(l >
(a)
_
only
Jointly
only
E m ployee
Company
X
1
3
Company
Full c o s t
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
F ull co s t— 3 p ercen t
o f w eekly payroll
(l )
X
B enefits fo r retired em ployee
and dependents
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—
X
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
$ 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)
Appendec tom v
Up to $150
Up to $150
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
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
p e r visit per visil.1 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
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
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
000$1,000
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
QUO
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 _____
$1,000
2,000
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
$1,000 $ 500
2,000 1,000
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. weeki
52
em p loy ed :
p<
p er d is 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
(*)
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 alb ility
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
Up to $ 10
50 days
(3)
<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
$10
12
$12
70 days
—
—
$840
15
18
—
Dependents
22
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
T on sillecto
m y_____
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
F u ll co s t — 3 p ercen t
o f aggregate earnings
o f em ployees
X
X
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
B enefits fo r retired em ployee
and dependents
E m ployee
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 .
Company
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
Up to $300
X
Up to $300
X
Up to $200
X
Up to $ 7 .2 5
X
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 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 .
FRASER
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 BENEFITS11
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*
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
Medical
Life
insurance
Hospitali*
sation
Surgical
Medical
Employee only
Diagnostic X-ray allowance, if no other benefits are
payable-—up to $70 per condition
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
1
4
___________
:
_
___________
400
1 8 ________________________________
800
1 5
________________________
500
19 -------------------------------------------------, JOO
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
Full cost—
—$2 per
week
X
X
Full cost
X
X
X
Employee's benefits:
$0.82 biweekly
Employee and dependents1 benefits:
81.42 biweekly
Balance of cost
Benefits for retired employee
and dependents
Employee
Company
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
to 1 year .
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
Tg t e f iw r
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
tal
where
Maximum
compensation
M A T E R N IT Y PR O V ISIO N S
Surgical Medical
Ho spitali zation
Maxi
Schedule
Benefits begin MaxiAccident
mum mum
Extra
Other
Maximum
Daily
allowance Amounts
and
number number provisions sickness
benefit Dura room and allowance Lump
and
for
sum normal
or
Sick Acci visits days
or
tion
board
limitations
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 Up tO
$ 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
Benefits for
employee
Benefits for employee's
dependents
Benefits for retired
employee
Benefits for dependents
of retired employee
Company Jointly Company Jointly EmployeeCompany Jointly Employee Company Jointly Employee
only only
only
only
only
only
only
X
X
X
X
X
X
X
Amount of contribution for—
Benefits for retired employee
Benefits for employee anddependents
anddependents
Company
Employee
Employee
Company
Dependent children*s benefits:
Full cost
Dependent husband's benefit:
Hospitalization—full cost
Employee and
Employee' sbenefit:
Employee and
dependent wife1s dependents' benefits: Life insurance—
Hospitalization—full full cost
benefits:
Full cost
cost
Dependent husband1s
benefits:
Surgical—full cost
Employee' s
Employee's benefits:
benefits:
Life insurance—
Monthly rate
Monthly Balance of cost
of pay
contribution
Less than $125.00__ None
$125.00 to $137. 50_ $0.96
$137. 50 to $102. 50_ 1.08
$162.50 to $187.50 _ 1.26
$187. 50 to $212. 50_ 1.44
$212. 50 to $237. 50 _ 1.62
$237. 50 to $262. 50_ 1.80
$262.50 to $287.50 _ 1.98
$287. 50to $312. 50_ 2.16
$312.50 to $337. 50_ 2.34
$337. 50to $362. 50_ 2. 52
$362.50 to $387. 50_2.70
$387. 50to $412. 50_2. 88
$412. 50to $475.00 _ 3.24
$475.00 to $525.00 _ 3.60
andup
Other benefits—$0.50 per month
Dependents' benefits:
Full cost—benefits for wife or
husband, $2.67 per month; for
child or children, $2.67; for wife
or husbandandchild or children,
$5.34
Full cost
70
S E L E C T E D
ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
employees
DATEOFINFORMATION New
become
eligible*Sinclair Oil Corporation After 6months1
employment
Oil Workers (CIO)
November 1954
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
Before
age—
Insurance is
Maintained
SoconyVacuumOil
Company
Oil Workers (CIO)
August 1954
Immediatelyor
1st of following
month
B. F. Goodrich Company
Rubber Workers (CIO)
July 1954
Life insurance andEarnings andservice
accident and sickness benefits:
3months to 1year service .
1st of monthcoin 1year or more service andearnings of:
ciding withor next Less than$2,000___ __________
following 3months' $2,000 to $2,500_____________
employment
$2,500 to $3,500_____________
$3,500 to $4,000_____________
Other benefits:
$4,000 andover.__ ______ ,___
Alter 3months'
employment
A N D D IS M E M B E R M E N T
Graduated
according to—
Nonoc•
cupational;
Occu
pational
Annual basic rate of pay
Insurance
Less than $1,000,01________________ $1,600
$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
andup
Insurance
$2,000
2,000
2.500
3.500
4,000
4.500
60
60
Companyprovides noncontributorylife insurance; makes available additional insurance onacontributorybasis.
Cases
covered
Paidi
<*>
Nonoc- Annual basic :
cupa- of pay
tional;
occu Less than $1, 000.01.
pational $1,000.01 to $1,400,
$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.
andup
Installments
A N D
Amount
If permanentlyandtotally disabled
Amount
H E A L T H
Single Multi
Death dismem dismem
berment berment
$1,000$500
800
200
600
000
400
800
200
600
000
400
800
200
600
000
$1,000
! 400 $ 800
600 1,200
800 1,600
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
Dur&tidnof benefits
Cnees
covered
Amount
Daily
benefit
Except
or
Period After Benefits limited Accident Sickness service
age—
Nonoccupa- Base annual
Weekly 52
tional
earnings
benefit weeks
per dis<
Less than $1,000__. $10 ability
$1,000 to $1,500__ 15
$1,500 to $2,000__ 20
$2,000 to $2,500__ 25
$2,500 to $3,000__ 30
$3,000 to $3,500__. 35
$3,500 to $4,000_u. 40
$4,000 to $5,000__ 45
$5,000 to $7,500__ 50
$7, 500andover__ 60
Extended
coverage
Benefits begin
Duration
Maximum
Per
room and Extraallowance Per disa
or service year bility
board
D
aily
.
Days amount allowance
Emergency
out-patient
care
Employee anddependents
1st day 8thday
120days
—
—
$1,200
Upto $200, plus —
75percent ox
next $2,000 of
charges
X
Upto $200, plus
75percent of next
$2,000 of charges
Employee anddependents
(4)
C1)
Nonoccupa- Men—$35per week
tional
Women-—$25per week
<‘>
26
weeks
per die
ability
(M
(l)
<l)
(4)
Upto $12 70days
Upto $200, plus
75percent of
next $1,800 of
charges
Upto $200, plus
75percent of next
$1,800 of charges
Employee anddependents
1st day 8thday
Semi
private
room
120days
No accident and sickness insurance benefit providedbyplan; employees coveredbypaid sickleave plan.
180 Upto $6 $1,920
Full cost of
specified serv
ices
X
Required services
provided
72
S E L E C T E D
Operation schedule—
selected allowances
A N D
MEDICAL
SURGICAL
COMPANY, UNION,
Upto schedule
AND
allowance
DATEOFINFORMATION accepted
as full
payment if annual
income is under
H E A L T H
Upto schedule
Allowance
allowance
accepted as full
payment if annual
ospi Else
income is under— Home Office Hta
l where
Employee
Maximumschedule allowance Hospital,
$250
office, home,
elsewhere
Tonsillectomy
Upto $50
Under age 12,
upto $30;
over age 12,
upto $50
Appendectomy
Upto $125 Upto $125
$3 for
eachday
of con
finement
(l)
$250 per disability
axi- l i s r
Benefits begin M
mum mum
number number
days
SicknessAccident visits
paid paid
for
for
1st day 1st day
Socony VacuumOil
Company
Oil Workers (CIO)
August 1954
Maximumschedule allowance Hospital,
$250
$250
office, home
elsewhere
Tonsillectomy
Upto $50
Under age 12,
upto $30;
over age 12,
upto $50
Appendectomy
Upto $125 Upto $125
$4for
eachday
of con
finement
(a>
$250 per disability
1st day 1st day
B« F. Goodrich Company
Rubber Workers (CIO)
July 1954
Maximumschedule allowance ospital,
1250------- nkso--------- H
office, home
Upto
$3 per
day
$360 per disability
1st day 1st day
Sinclair Oil Corporation
Oil Workers (CIO)
November 1954
Employee
Dependents
Covers
cases
in—
J250
Tonsillectomy
Upto $50
Under age 12,
upto $30;
elsewhere
Maximum
compensation
120per
disa
bility
Appendectomy
Upto $125 jUpto $T25~
1 If surgical operationperformed, allowance is greater of (a) $3 for eachdayof hospital confinement upto dayof operation; or (b) $3for eachdayof confinement minus surgical operation allowance.
allowance is greater of (a) $4 for each dayof hospital confinement upto dayof operation; or (b) $4for eachdayof confinement minus surgical operation allowance.
2 If surgical operationperformed,
73
INSURANCE
PLANS
- Continued
MEDICAL- Continued
MATERNITYPROVISIONS
Dependents
Allowance
ospi
Home Office Htal
$3 for
each
day of
confinement
(l)
Surgical Medical
Hospitalization
axi Maxi
Benefits begin M
Schedule
t aily
Benefits available to
mum mum Other Acciden
Maximum Extra
ance Amounts
and bD
Maximum
newly insured
numbernumberprovisions sick
enefit Dura roomand allowance Lump allow
a
n
d
for
n
ess
Else compensation Sick- Acci- visits days
or
sum normal limitations
or tion board
where
ness dent paid paid
service
allowance services
delivery
for for
Employee anddependent:
Employee anddependent
$250 per disability 1st day1st day
If pregnancy commences while
insured
$100 maternity allowance
$4 for
each
dayof
con
fine
ment
(2)
$250 per disability 1st day1st day —
Upto
$3 per
day
$360 per disability 1st day1st day
Employee anddependent
(3)
120
per
disa
bility
Regular
benefits
for 6weeks
Upto 10 $100
$10 days
Upto $75
Upto
$100
Employee anddependent
Semi- 14
private days
room
___
Full cost
of speci
fied
services
_ _
Employee anddependent:
if pregnancy commences while
insured
Employe anddependent:
If pregnancy coipmcnees while
insured
1 If surgical operationperformed, allowance is greater of (a) $3 for eachdayof hospital confinement upto dayof operation; or (b) $3 for eachdayof confinement minus surgical operation allowance.
3 If surgical operationperformed, allowance is greater of (a) $4 for eachdayof hospital confinement upto dayof operation; or (b) $4 for eachday of confinement minus surgical operation allowance.
3 No accident and sickness insurance benefit providedbyplan; employees covered bypaid sick leave plan.
74
S E L E C T E D
A N D
EXTENSIONOFBENEFITSTO—
(must be at least ongroup rate basis)
OTHERBENEFITS1
COMPANY, UNION,
AND
DATEOFINFORMATION
H E A L T H
Dependents of retired employee
Retired employee
Types andamounts
Life insurance
Accidental
Hospitalization
deathand
dismemoerment
Hospitali
Life
Surgical Medical insu
rance zation Surgical Medical
Sinclair Oil Corporation
Employee anddependents
Oil Workers (CIO)
Anesthesia allowance for nonhospitalizedcases—
upto $10 per operation
November 1954
With5continuous With5 With 5con'
years* planpartici continu tinuous
ous years' years* plan
pationprior to
retirement:
planpar participa
Same as lor active ticipation tionprior
employee but limi prior to to retiretedto total of
$1,200 for room
andboardand
$1, 700for special
services during
periodof retire
ment
Same as Same as Same as
for retired for retiree for retired
employee employee employee
(•)
(*)
<J)
Socony VacuumOil
Company
Oil Workers (CIO)
August 1954
With5continuous With5 With 5con
years* planpartici continu< tinuous
ousyears' years* plan
pationprior to
retirement:
planpar participaSame as for active ticipation tionprior
prior to to retireemployee
retire ment:
ment: Same as
(s)
Same as for active
for active employee
employee
(*)
(*>
Same as Same as Same as
for retired for retixedfor retired
employee employee employee
Employee anddependents
Amount ineffect Amount in
immediatelyprior effect immedi
to retirement
atelyprior to
Emergency diagnostic X-rav allowance if no other maintainedfor 1 retirement
planbenefits are payable—upto $10 per condition year, thenreduced
10percent annual
Major medical expense allowance—
-?5percent of ly until amount
expenses inexcess of other planbenefits during equals annual
eachmedical period of 12months, whichis inex salary immedi
cess of $100; maximum—$5,000
ately prior to re
tirement
B. F. Goodrich Company
Employee only
Rubber Workers (CIO)
Diagnostic X-ray allowance for nonhospitalized
July 1954
cases—
-up to $70 per condition
Retiring with 15
years service:
50percent of
amount ineffect
immediatelyprior
to retirement
Upto $10per day
for all hospital
charges; maximum
-—
$310 per calen
dar year
1 Suchbenefits as X-ray, anesthesia andelectrocardiogramallowances maybe provided under some plans, althoughnot listedhere. Reasons for not listing suchbenefits are set forth in
K
Total amount of hospital,
surgical andmedical benefits (including
r
° X-ray7benefit)' during period of
EXPLANATORYNOTES.
* $100maternity allowance inlieuof all other benefits also provided.
http://fraser.stlouisfed.org/
Em
ergencytodiagn
ostic X-ray benefit also provided retired employees andtheir dep
retirem
*endents.
Federal Reserve
Bankent
of lim
St.ited
Louis $3,970.
75
I N S U R A N C E
P L A N S
-
C o n tin u e d
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 retiredemployee
Benefits for employee anddependents
anddependents
Company
Employee
Employee
Company
Company Jointly Company Jointly EmployeeCompany Jointly Employee Company Jointly Employee
only
only
only
only only
only
only
X
X
X
X
Basic
annual
earnings
Monthly contributionfor Balance of cost
benefits for—
tm- Employee
Em- ployee andwife
ployee and or wife
only chil- and
dren children
Benefits for employee Balance of cost
only, $1.00 per month;
for employee and
children, $2.60; for
employee andwife or
employee, wife and
children, $3.10
Less than
$3,000__$1.55 $3.15 $3.65
$3,000 to
$4,000__ 1.80 3.40 3.90
$4,000 to
$7,500__ 2.15 3.75 4.25
$7,500 and
over
2.50 4.10 4.60
X
X
X
X
X
X
X
Life andaccidental deathanddis- Balance of cost1
memberment insurance1:
Annual basic
Monthly
rate of pay
contribution
Less than$1,000.01 __ $0.48
$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
andup
Major medical expense benefit:
Full cost—benefit for employee
only, $1.44 per month; for employee
anddependents, $3.44
Other benefits:
Benefits for employee only, $1.04
per month; for employee and
dependents, $4. 20
Full cost
1 At age 65, employee's contributions for life andaccidental deathanddismemberment insurance cease; companypays full cost.
Full cost
Full cost
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—
L ife insurance:
A fter 3 m onths'
em ploym ent
2,000
Insurance maintained
a fte r age &5
$ 1 ,5 0 0 _________________________________
$ 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 lso p rovid ed in con nection with s u rg e ry p erform ed in out-patient departm ent.
FRASER
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
Types and amounts
L ife insurance
Rubber W orkers (CIO)
Dependents o f re tire d em ployee
R etired em ployee
E m ployee only
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
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
X
X
(l )
E m ployee Company
E m ployee Company
Jointly
Jointly
only
only
only
only
only
E m ployee
Company
B enefits fo r retired em ployee
and dependents
E m ployee
Company
X
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
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
X
65
and with
m ore
than 10
years'
s e rv ice
X
C a se s
co v e re d
Graduated
a cco rd in g to—
Paid in—
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
Insurance
___
. _
____
_
_____ ___
....
___ .
.
.
_ ____
____
___
. ____
___
_
O ctober 1954
Other benefits:
A fter 1 m on th 's
em ploym ent
Aluminum Company o f
A m erica
A fter 90 d a ys'
em ploym ent
$ 3 ,5 0 0
Graduated
a cco rd in g to-
Paid in—
Single
M ultiDeath d ism em d ism em
berm ent berm ent
65
—
Installments
o r lump sum
(optional)
60
__
Installments
__
___
....
___
___
60
X
—
—
—
—
—
—
60
—
Installments
$ 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
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
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
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
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
$30 p er week
N onoccupational
$40 p e r w eek
A fter
age—
B enefits lim ited
__
__
26
weeks
p e r d is
a bility
—
N onoccupational
$28 p e r week
26
w eeks
p e r d is
a bility
1st day
Sickness
Maximum
room and
board
allow ance
Duration
Days
amount
E xtra allow ance P e r
o r se rv ice
year
P er
d isa
bility
E m ployee and dependents
4th day
$310
31 days
Up to $200
—
8th day
X
Up to $200
X
R equired s e rv ice s
provided
X
Up to $130
X
Up to $200
E m ployee and dependents 1
8th day
S em i
private
room
—
1st day
—
90
50 p ercen t
of cost of
s e m i
private
ro o m
8th day ox
1st in
hospital
When
W ork
m en’ s
Com pen
sation
benefit is
payable
When
W ork
men* s
C om pen
sation is
ben efit is
payable
1st day
8th 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
120 days
—
$ 1 ,5 6 0
Up to $ 130
—
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
1st day
—
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
A ccident
Daily
benefit
or
se rv ice
Up to $ 10
26
weeks
p e r d is
ability
Occupational
Extended
coverage
B enefits begin
90
SELECTED
HEALTH
AND
91
INSURANCE
PLANS
- Continued
MEDICAL - Continued
MATERNITY PROVISIONS
Dependents
Allowance
Else
Home Office Hospi
tal
where
$5 for
each
day of
con
fine ment
Maximum
compensation
$155 per disability
Surgical Medical
Hospitalization
Maxi
Benefits begin 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
board
tion
or
limitations
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<'or depend
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------- ---------------------------jzzr
office, home,
elsewhere
Honaille"ctomy
Up to $40
Up to $40
Appendeictomy
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
$12
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 .
a R etired em p loyees
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
U1B ■
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
E lse*
where
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
Maxim um schedule allow ance H ospital,
JZOO
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 t12
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
COMPANY, UNION,
AND
DATE OF INFORMATION
Life insurance
United States Steel
Corporation
Retiring at age 65:
JT7Z50
------
Steelworkers (CIO)
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
American Can Company
December 1954
<*)
Dependents of rietired employee
Retired employee
Types and amounts
Steelworkers (CIO)
AND
EXTENSION OF BENEFITS TO—
(must be at least on group rate basis)
OTHER BENEFITS12
December 1954
HEALTH
Accidental
death and
di smemoerment
Hospitalization
Surgical
Medical
Life
insurance
Hospitali
zation
Surgical
Medical
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.
2 Includes revisions in existing plan to become effective March 15, 1955.
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—
—
—
—
—
—
—
(l )
(M
(l )
(*)
n
(*)
(l )
Daily
benefit
or
service
Extended
coverage
Duration
Days
Daily
amount
Maximum
room and
board
allowance
Extra allowance Per
or service
year
Per
disa
bility
Emergency
out-patient
care
Employee
$1,050
Up to $15 a 70 days
Up to $300, plus
75 percent of
next $4,000 of
charges, plus up
to $25 ambulance
allowance
X
Required services
provided
X
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
Maximum schedule allowance Hospital
$250
$250
office
Tonsillectomy
Up to $50
Under age 12,
up to $30;
over age 12,
up to $50
$4 for
each
day of
confine
ment1
$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
Maxi
Benefits begin 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
or
board
limitations
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
_
'Up to
$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
L e s s than $ 5 2 .5 0 .
$ 5 2 . 50 and o v e r __
$2, 000
3, 000
4 , 000
5, 000
60
and
insured
2 years
Installments
(3)
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 .
FRASERAdditional insurance is p rovid ed at extra co s t.
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
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
(*)
(*)
$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
i --------------- 1------------- 1--------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
JEm 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 only to em p loyees retirin g with m inim um o f 15 y e a r s ' s e rv ice p r io r to retirem en t date 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
Digitized forp FRASER
eriod . E m ployee retirin g on d isability pension not co v e re d b y hospital and su rg ica l benefits until age 65.
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.
38.,40
90_____
$ 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
8th day
o r 1st in
hospital
1st day
8th day
o r 1st in
hospital
Extra allow ance P e r
o r se rvice
yea r
P er
d isa
bility
F ull co s t o f
sp ecified
s e r v ic e s *
120 days
E m ergency
out-patient
ca re
R equired s e rv ice s
provided
E m ployee and dependents 1
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
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
R equ ired s e rv ice s
provided
F ull co s t of
specified
s e rv ice s z
120 days
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
_________11_____________________
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 12
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 .
2 M ichigan M edical
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
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
T w o-th ird s o f b a s ic schedule'id 26
w eekly wage—
weeks
M axim um — $ 40
p er
disa
bility
Daily
benefit
or
s e rv ice
Days
(*)
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
$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
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.
Daily
amount
M axim um
ro o m and
board
allow ance
E m ployee and dependents
Up to $ 12
1st day
Duration
8th day
weeks
p er
d isa
bility
O ccupational
Extended
cov era ge
B enefits begin
$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 *i W ----- f W t o f l O O
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
N onoccupational
b e n e fit
Except
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
$ 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 o f em p lo y e e 's s e r v ic e .
FRASER
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
allow an ce.
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—
X
T extile W orkers (CIO)
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
$ 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
W eekly
ben efit
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
E m ergency
out-patient
ca re
R equ ired s e rv ice s
p ro v id e d 2
E m ployee
$8
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
$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
8th day
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
13
weeks
p er
year
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
8th day
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
da
' r any one accident
*
**"
fo
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,
A vailable to em p loy ees with at le a st
< 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 6
w orking le s s than 32 hours p er
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 ).
for week
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 $1
i f f — |tfp to $'l
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
y
________ Appendectom
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
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
"
X
Up to $450
X
Up to $350
X
Up to $300
X
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
4 A 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 .
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
T on sillecto
m y_____
y
Alaska Salmon Industry,
Inc.
?300----------- f$2<55
Alaska Fisherm en* s
Union (in d .);
C ordova D istrict F ish e rie s
Union (in d .)
TJFto"BZTSr,. rUnder
r r" age 15,
Nonhospital ca re
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
T yp es and amounts
M achinists, D is tr ic t 9
(AFL)
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
Dependents o f re tire d em ployee
R etired em ployee
E m ployee only
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
L ife insurance
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)
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-^—up to $300
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,
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provided they continue to contribute towards cost of these benefits.
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.
9 The Fund* s semiannual work periods are from August through July and from September through June.
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
11
11
Coinplete paym ent fo:r hospital
a
1
11
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
Maxi
Benefits begin 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
or
board
tion
limitations
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.
* No accident and sickness insurance benefit provided by plan; employees covered by paid sick leave plan.
4 Also provided for births occurring outside of hospital.
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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.
If employee is also covered by the additional contributory insurance, total amount reduced 50 percent immediately and 5 percent annually thereafter to minimum of 25 percent of amount in effect
prior to retirement or $2,000 whichever greater. If retiring prior to age 65, due to disability, full amount maintained until age 65, then 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.
3 On March 1, 1955, contribution to be increased to $0.10 for each hour worked.
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
A 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.
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
tnde<e 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 N ATO RY NOTES.
FRASER
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 - Continued
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—
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
S ic k n e s s
—
—
—
(* )
n
(M
D a ily
b e n e fit
or
s e r v ic e
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
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
168
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
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
O ffice
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 - Continued
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
-------r 1--------- 1— 1--------Up to $ 100 m aternity allow 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
170
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
171
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
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
172
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—
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)
Amount
B efore
age—
$ 2,0 00
60
A fter
age 60
C ases
c o v e re d
Insurance is—
Maintained
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
173
INSURANCE PLANS - Continued
HOSPITALIZATION
ACCIDENT AND SICKNESS
Duratidn o f benefits
C ases
co v ered
Except
Amount
P eriod
(l )
A fter
age—
B enefits lim ited
Extended
cov era ge
B enefits begin
A ccident
S ickness
—
—
—
—
—
—
(l )
(*)
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
Up to
$ 1 1 .5 0
$805
70 days
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
X
R equired se rv ice s
provided
X
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
(3)
13
weeks
p er d is
ability
—
—
E m ployee
1st day in 1st day in
hospital
hospital
_
___
_
( 2)
(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
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
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 )
(l )
(M
(l )
(M
0)
(l )
(l )
(i )
(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 E m e r g e n c y s u r g ica 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
i1
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 .
E X PL A N A T O R Y N OTES.
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
$ 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
S e r v ic e
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
P a id in
60
N on occu p a tio n a l;
occu pa
tio n a l
60
In s ta llm en ts
60
I n s ta llm e n ts
G ra d u a ted
a c c o r d in g to—
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
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 o t a l 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
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 .
3 N o 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 .
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
Maxi
Benefits begin 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
board
or
tion
limitations
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-—up to
$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
insurance ceases when reduction in coverage begins).
183
INSURANCE
PLANS
- Continued
FINANCING
Benefits for
employee
Benefits for employee*s
dependents
Benefits for retired
employee
Benefits for dependents
of retired employee
Company Jointly Employee Company Jointly Employee
Company
Jointly Employee
Jointly Company
only
only
only
only
only
only
only
X
X
X
X
(l )
(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
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
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
60
X
Graduated
according to—
Paid in—
Nonoccupational
_
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 )
(l )
0)
0)
(l )
Accident Sickne s s
—
—
(M
(l )
Daily
benefit
or
service
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
__
1st day
Maximum
room and
board
allowance
Daily
amount
Days
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
Up to $300, plus
75 percent of
additional
charges up to
$1, 300
X
Up to $300, plus
75 percent ox
additional charges
up to $ 1, 300
X
Up to $7.25
Employee and dependents
Semi
private
room
13 weeks during 8th day
any 12 consecu
tive months
Duration
Employee and dependents
Up to $ 14
Nonoccupational
Extended
coverage
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
Maxi
Benefits begin Maxi
Schedule
Accident
mum mum
Other
Daily
Maximum
Extra
allowance Amounts
and
number number provisions
Dura room and allowance Lump
and
for
sickness benefit
or
sum normal
or
board
Sick Acci visits days
tion
limitations
paid
dent paid
service
ness
allowance services
delivery
for
for
Optional plan A
“i--------- 1------------- ----------'— i--------1--------- 7--------- r
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/
3 See Appendix B.
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
X
X
X
X
Jointly
only
Benefits for retired
employee
only
Jointly Employee
only
Benefits for dependents
of retired employee
Amount of contribution for—
Benefits for employee and dependents
only
Jointly
only
Employee
Company
Benefits for retired employee
and dependents
Employee
Full cost
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 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
Paid in---
X
__
For 3 months; up
to $2,000 for
additional 9
months
—
Insurance
$
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
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
Insurance
$ 5,000
7,000
9,000
11,000
13,000
MultiSingle
Death dismem dismem
berment berment
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 )
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.
Graduated
according to—
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
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
Maxi
Benefits begin 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
board
limitations
allowance services
delivery
Employee and dependent:
Immediately
Employee
—
—
—
Benefits available to
newly insured
Up to Up to $85
$100
<34
)
(*)
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/
tional disability of employee, benefits received under Workmen's Compensation reduce the eligible expenses under this program.
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
Company Jointly
Jointly Employee
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
X
Accident and
$1,000
sickness benefits:
After 4 weeks'
covered employ*
ment
60
X
Cases
covered
Paid in—
Graduated
according to—
Single
MultiDeath dismem dismem
berment berment
Building Service
Employees (AFL)
October 1954
Hotel Association of
New York City
New York Hotel Trades
Council (AFL)
August 1954
Other benefits:
After 4 months'
covered employ
ment and 6
months' union
membership
Laundry industry,
various employers’
1 st of month fol
lowing 30 days'
employment and
union member
ship
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
Nonoccupational;
occupa
tional
$1,000 $500
$1,000
Nonoccupational
$1,500 $750
$1,500
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
Maxi
Benefits begin 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
or
tion
board
al lim itations
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
Full cost— $17 per
quarter 1
X
X
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 .
Benefits for retired employee
and dependents
Employee
Company
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
for s u c h conditions as cirrhosis, malnutrition, a n d injuries
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
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. GOVERNMENT PRINTING OFFICE : 1955 O— 347946
@FedFRASER