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One Hundred Selected Health and Insurance Plans
Under Collective Bargaining, Early 1958




Bulletin No. 1236
UNITED STA TES DEPARTMENT OF LABOR
James P. Mitchell, Secretary
BUREAU OF LABOR STATISTICS
Ewan Clague, Commissioner




85th Congress, 2d Session




House Document No. 443

One Hundred Selected Health and Insurance Plans
Under Collective Bargaining, Early 1958

Bulletin No. 1236
UNITED STATES DEPARTMENT OF LABOR
James P. Mitchell, Secretary
BUREAU OF LABOR STATISTICS
Ewan Clague, Commissioner
October 1958

For sale by the Superintendent of Documents, U. S. Government Printing Office
Washington 25, D. C. - Price $1.25

The Library of Congress has cataloged the series
in which this publication appears as follows:

Greene, Dorothy (K ittner)
Digest of one hundred selected health and insurance plans
under collective bargaining, early 1958. [Washington] U. S.
Dept, of Labor, Bureau of Labor Statistics, 1958.

U. S. Bureau o f Labor Statistics.
Bulletin, no. 1Jfov. 1895Washington.
no. in

v. illus. 16-28 cm.

Bimonthly, Nov. 1895-May 1912; irregular, Ju ly 1912No. 1-111 issued by the Bureau of Labor.

1.

Labor and laboring classes— TJ. S.— Period.

HD8051.A62

331.06173

Library of Congress

ir58t2j




The Library of Congress has cataloged this
publication as follows:

15-23307 rev* J

x, 253 p. (chiefly tables) 22x28 cm. (U . S. Bureau of Labor
Statistics. Bulletin no. 1236)
“Revision of the Digest of one-hundred selected health and in­
surance plans under collective bargaining, 1954 (Bull. 1180), pub­
lished in 1955,” prepared by E. K. Rowe and D. R. Kittner.
1.
Insurance, Health— U. S. 2. Insurance, Life— U. S. 3. Non­
wage payments— U. S. [3. Employee benefits] 4. Collective labor
agreements— U. S. t4. Trade union agreements— U. S.j
i. Rowe,
Evan Keith. Digest of one-hundred selected health and insurance
plans under collective bargaining, 1954.
(Series)

HD8051.A62

-------------------- Copy 3.
U. S. Dept, of Labor,
for Library of Congress

no. 1236
*368.42
331.25442
HD7102.U4G7
Library

t

L 58-62

Preface
Th is bulletin describes the principal features of 100 se­
lected health and insurance plans in effect in e a rly 1958. It
is a revision of the Digest of One Hundred Selected Health and
Insurance Plans Under Collective B argaining, 1954 (B u ll. 1180),
published in 1955, and a companion to the Digest of One Hundred
Selected Pension Plans Under Collective Bargaining, W inter
1957-58 (B u ll. 1232), published in 1958.
Th is digest includes 93 of the 100 plans sum m arized
in Bulletin 1180.
The seven other plans are identified by an
asterisk following the name of the em ployer party to the plan.
The plans in this digest are not presented as typical
o r m odel plans, nor as a representative sample of all plans
under collective bargaining. Th e y were selected because they
covered large numbers of w orkers in m a jo r industries, or be­
cause they illustrated different approaches to health and in su r­
ance coverage, o r because of their interest to the general public
evidenced in inquiries received by the Bureau.
The number
of w orkers covered by the plans ranged fro m about one thousand
to several hundred thousand.

Contents
Index (by industry) _________________________________________________

v

Index (alphabetical) _________________________________________________

v iii

Explanatory notes

__________________________________________________

Selected health and insurance plans

--- --------------------------------------------------

Appendixes:
A - State Te m p o ra ry D isa b ility In s u ra n c e ______________________
B - Health Insurance Plan of G re a ter New Y o rk _______________
C - Group Health Insurance, I n c . _______________________________
D - K a is e r Foundation Health P l a n ______________________________
E - New Y o rk Hotel Tra d e s Council and Hotel
Association Health Center, In c ., P lan ---------------------------------------Union id e n tifica tio n _________________________________________

F o r the convenience of the reader, State tem porary
disability laws which affect some of the plans covered in this
digest are sum m arized in appendix A .
Also described in ap­
pendix A are the provisions of the Railroad Unem ploym ent In ­
surance A c t relating to tem porary disability benefits. F o u r
prepaid m edical care program s utilized by one or m ore of the
selected plans are described in appendixes B , C , D , and E ;
other prepaid m edical care program s are re fe rre d to and sum ­
m a rize d in the appropriate plan digest.
Th is digest was prepared in the B urea u 1s D ivisio n of
Wages and Industrial Relations by Dorothy K ittner Greene, as­
sisted by H a rry E . D a vis, under the supervision of Eva n Keith
Rowe.




Page

iii

1
4
245
248
249
250
251
253




Index

(By Industry)

Monufocturing

Manufacturing— Continued

Page

Page

Food:
A m e ric a n Sugar Refining C o . , Th e - ____________________________
International Brotherhood of Longshoremen
National B is c u it C o . ____________— ______________________________
B akery and Confectionery W orkers
Cam pbell Soup C o . (Cam den, N . J . ) ____________________________
Packinghouse W orkers (U P W A )
D is tille ry in d ustry, various em ployers __________________________
D is tille ry W orkers
General Foods C o r p . _______________________________________________
Various unions
B re w e rs Board of Tra d e (New Y o rk , N . Y . ) ___________________
Te a m ste rs
A rm o u r and C o . ____________________________________________________
Meat Cutters
Packinghouse W orkers (U P W A )
Swift and C o . _______________________________________________________
M eat Cutters
Packinghouse W orkers (U P W A )
Packinghouse W orkers (N B P W )

A p p a re l: - Continued
4

M illin e ry industry, Ea ste rn Women* s Headwear Association,
I n c . , and other em ployers (New Y o rk , N . Y . ) ________— — ______
H atters, Cap and M illin e ry W orkers
Clothing in d ustry, m en's and b o ys ', various e m p lo y e r s ________
Clothing W orkers
D ress in d ustry, Affiliated Dress M frs . , Inc. , and
other em ployers (New Y o rk , N . Y . ) ___________________________
La d ies' G arm ent W orkers (New Y o rk D ress Joint Board)

4
4
10

F o rstm a n n Woolen C o . __________________________________________
Te x tile W orkers (T W IJA )
A rm s tro n g C o rk C o . ____________________________________________
Rubber W orkers
Bigelow -Sanford Carpet C o ., I n c . ______________________________
Te x tile W orkers (T W U A )
Cone M ills C o r p . _________________________________________________
Te x tile W orkers (T W U A )




34

L u m b e r:

10

Lu m b e r industry, Various em ployers (Southern C a lif o r n ia )--------Carpenters
Lu m b e r industry, various em ployers (O regon, Washington,
C a lifo rn ia , Idaho, and M on ta n a )____________-___________________
Woodworkers

16
16

34
40

F u rn itu re :
A m e rica n Seating C o . (Grand Rapids, M ic h .) ---------------------------------Automobile W orkers
F u rn itu re M frs . in Southern C a lifo rn ia , Industrial
Relations Council of — — _________________________________________
Carpenters
F u rn itu re in d ustry, various e m p lo y e rs _________________________
F u rn itu re W orkers
Upholstering and allied trades industries, various
em ployers ______________________________________________________
Upholsterers

16
16

22

40
40
40
46

22
P a p e r:
22
Robert G a ir C o . , Inc. (D ivisio n of Continental Can
C o . , In c . ) ______________________________________________________
Paperm akers and Paperw orkers
International Paper Co. (N orth ern D iv is io n )____________________
Paperm akers and Paperw orkers
Pulp, Sulphite and Paper M ill W orkers
West V irg in ia Pulp and Paper C o . ---------------------------------------------------------Paperm akers and Paperw orkers
P ulp, Sulphite and Paper M ill W orkers

22

A p p a re l:
F u r m anufacturing and retailing in d ustry, Associated F u r
M f r s ., I n c ., and other em ployers (New Y o rk , N . Y . ) ________
Meat Cutters (F u r r ie r s Joint Council of New Y o rk )

34

10

Tobacco:
Ligge tt and M ye rs Tobacco C o . , I n c . _______________________ ___
Tobacco W orkers
P h ilip M o r r is , I n c . ____________________________
Tobacco W orkers
T e x tile :

28

28

v

46
46
52

Index

(By Industry)

-

Continued

Manufacturing— Continued

Manufacturing— Continued

Page

Page
L e a th e r P r o d u c t s : - C ontinued

P r in tin g and P u b lish in g :
B row n and B ig e lo w (St. P a u l, M in n .) ____________________________
B o o k b in d e rs
P rin tin g in d u s tr y , C h ica g o L ith o g ra p h e rs
A s s o c ia t io n , and oth er e m p lo y e r s ______________________________
L ith o g r a p h e r s , L o c a l 4
P u b lish e rs * A s s o c ia t io n o f New Y ork C i t y _______________________
T y pograph ers, L oca l 6
C h e m ic a l:

In tern a tion al Shoe C o . ______________________________________________
U nited Shoe W o r k e rs
M a ss a ch u s e tts L e a th e r M f r s . A s s o c i a t i o n _______________________
L e a th e r W o r k e rs
M ea t C u tters

52
58

S ton e, C la y , and G la s s :
M in n esota M ining and M an u factu rin g C o ________ ____,______________
O il, C h e m ica l and A to m ic W o r k e rs
O w ens -I llin o is G la s s C o . __________________________________________
G la s s B ottle B lo w e r s
P ittsb u rg h P la te G la s s C o . ________________________________________
G la ss and C e r a m ic W o r k e rs

58
64
70

A lu m in u m C o . o f A m e r i c a ------------------------------------------------------------ -A lu m in u m W o r k e rs
S te e lw o rk e r s
C h ase B r a s s and C op p er C o . , I n c __________________________________
A u tom ob ile W o rk e rs
B eth leh em S teel C o . ________________________________________________
S te e lw o rk e rs
W e ir ton S te e l C o . _______ :__________________________________________
Independent S te e lw o r k e r s Union
U nited States S teel C o r p . __________________________________________
S te e lw o rk e r s
A m e r ic a n Can C o . _____________________________________—____________
S te e lw o rk e r s
A m e r ic a n R a d ia to r and Standard
S a n ita ry C o r p . (L o u is v ill e , K y . ) ________________________________
Standard A llie d T r a d e s C o u n cil
C a lifo r n ia M etal T r a d e s A s s o c i a t i o n _____________________________
V a riou s unions
Continental Can C o . , I n c . ---------------------------------------------------------------S te e lw o rk e r s

70
76
76

R u b b er:
B . F . G o o d rich C o •, T h e
___ ________ ____ ____ ____ ____________
R u bb er W o r k e rs
F ir e s t o n e T ir e and R u bb er C o . , The ____________________________
R u bb er W o r k e rs
U nited S tates R u b b er C o . __________________________________________
R u bb er W o r k e rs

76
82
82

L ea th er P r o d u c t s :
F lo r s h e im Shoe C o . , T h e __________________________________________
U nited Shoe W o r k e rs
L u ggage and le a th e r g ood s in d u stry ,
v a r io u s e m p lo y e r s ------------------------------------------------------------------------L ea th er G o o d s , P la s t ic and N ov elty W o r k e rs




88
94
94

M e ta lw o rk in g :

P e t r o le u m :
T ex a s C o . , T h e _______________________
O il, C h e m ica l and A to m ic W o r k e r s
S in c la ir O il C o r p . __________________________________________________
O il, C h e m ica l and A to m ic W o r k e rs
S o c o n y M o b il O il C o . , I n c . ___________ _____________________________
O il, C h e m ica l and A to m ic W o r k e rs

88

58

,

D ow C h e m ica l C o . , T h e ___________________________________________
D is t r ic t 50, United M ine W o r k e rs
L e v e r B r o th e r s C o . _________________________________________________
C h e m ica l W o rk e rs
O il, C h e m ica l and A to m ic W o r k e rs
A m e r ic a n V is c o s e C o r p . _____________________________________
T e x tile W o rk e rs (TW U A )

88

A u tom ob ile W o r k e rs
In tern ation al H a r v e s te r C o . _______________________________________
A u tom ob ile W o r k e rs
C a te r p illa r T r a c t o r C o . ------------------------------------------------------------------A u to m o b ile W o r k e rs

82
88

vi

94
94
100
100
106
112

112
118
118

124
124

Index

(By Industry)

-

Continued

Nonmanufacturing— Continued

Manufacturing — -Continued

P age

P ag e
M in in g : - C ontinued

M eta lw ork in g : - Continued
R a d io C o r p . o f A m e r i c a __________________________________________
E l e c t r ic a l (lU E )
E le c t r ic a l (IBE W )
W estin gh ou se E le c t r ic C o r p . _________________________
E l e c t r ic a l (lUE)
F o r d M o to r C o . ____________________________________________________
A u to m o b ile W o r k e rs
G e n e r a l M o to r s C o r p . _____________________________________________
A u tom ob ile W o r k e rs
N orth A m e r ic a n A v ia tio n , In c. ___________________________________
A u to m o b ile W o r k e rs
P u llm a n -S ta n d a rd C ar M an ufacturin g C o . _______________________
S te e lw o rk e r s

130

P an A m e r ic a n P e tr o le u m C o r p .
V a rio u s unions

136

C on stru ction :

142

C o n stru ctio n in d u stry , A s s o c ia t e d G e n e ra l C o n tr a c to r s
o f A m e r ic a , and oth er e m p lo y e r s (N orth ern C a lifo r n ia )---------C a rp e n te rs
C o n stru c tio n in d u stry , v a rio u s e m p lo y e r s
(W e s te rn P e n n s y l v a n ia )__________________________________________
V a rio u s unions
P a in te rs and D e c o r a t o r s o f the C ity o f New Y o rk , In c. ,
A s s o c ia t io n o f M a ste r ____________________________________________
P a in t e r s , D is t r ic t C ou n cil 9

142
142
148

__________________________________

172

172
172

178

O th er M a n u fa ctu rin g :
M in n e a p o lis -H o n e y w e ll R e g u la to r C o .
(M in n e a p o lis , M in n .) ________________________________________ _____
T ea m sters
S p e r r y G y r o s c o p e C o . (D iv isio n o f
S p e r r y Rand C o r p .) _______________________________ ______________
E le c t r ic a l (lU E )
E lg in N ation al W atch C o . _________________________________________
W atch W o r k e rs
Joh n son and Joh n son (N ew B ru n s w ick , N. J . ) __________________
T e x tile W o r k e rs (TW UA)
J e w e lr y in d u stry , 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 ra fts A s s o c ia t io n , and oth er
e m p lo y e r s (New Y o r k , N . Y .) — _______________________________
J e w e lr y W o r k e r s , L o c a l 1
D oll and to y in d u stry , N ational A s s o c ia t io n
o f D o ll M fr s . , and oth er e m p lo y e r s (N ew Y o r k , N . Y . ) _____
D o ll and T o y W o r k e r s , L o c a l 223
V a rio u s e m p lo y e r s , S t. L o u is , M o . , a r e a _____________________
M a c h in is ts , D is t r ic t 9

T r a n sp o r ta tio n , C om m u n ica tion , and O ther
P u b lic U tilitie s:

148

R a ilr o a d in d u stry , v a rio u s e m p l o y e r s ------------------------------------------V a rio u s n on operatin g railw a y unions
Tw in C ity R a pid T r a n s it C o. (M in n e a p o lis, M i n n . ) _____ ;_______
S tre e t, E le c t r ic R a ilw ay and M o to r C oa ch E m p lo y e s
C h ica g o T r a n s it A u th ority _________________________________________
S tre e t, E le c t r ic R a ilw ay and M otor C oa ch E m p lo y e s
T ru ck in g in d u stry , lo c a l c a r ta g e and o v e r -t h e -r o a d fr e ig h t,
v a rio u s a s s o c ia tio n s and in dividu al e m p lo y e r s , C en tral
S ta te s , S ou th east and Sou th w est a r e a s --------------------------------------T ea m sters
N ational A u tom ob ile T r a n s p o r te r s A s s o c i a t i o n --------------------------T e a m s t e r s (N ation al T ru ck a w a y and D riv ea w a y C o n fe re n c e )
T ru ck O w n ers A s s o c ia t io n o f C a lifo r n ia _______________________ —
T ea m sters
M a ritim e in d u stry , v a r io u s e m p lo y e r s ,
A tla n tic and G ulf C o a sts __________________________________________
S e a fa r e r s
M a ritim e in d u stry , v a rio u s e m p lo y e r s ,
A tlan tic and G ulf C oa sts ______________________________________ ___
M a ritim e Union
M a ritim e in d u stry , v a rio u s e m p lo y e r s ,
A tlan tic and G ulf C o a sts __________________________________________
M arin e E n g in e e rs
New Y o rk Shipping A s s o c ia t io n , I n c . _____________________________
L o n g s h o r e m e n ’ s A s s o c ia t io n

154
154
160

160
160
166

Nonmanufacturing

M in in g :
K en n ecott C o p p e r C o r p . (W estern M ining D i v i s i o n s ) ___________
V a rio u s unions
C o a l in d u stry (b itu m in ou s), v a rio u s e m p l o y e r s _________________
U nited M ine W o r k e rs




166
172

vii

178
184
184

190
190
196
196
196
196
202

Index

(By Industry)

Index

- Continued

(Alphabetical)

Honmonufocturing— Continued

Page
A lum inu m C o . o f A m e r ic a ___________ _______________________
A lu m in u m W o r k e rs
S tee lw o rke r s

T r a n s p o r ta tio n , C om m u n ica tio n , and O th er
P u b lic U tilit ie s : - Continued

112

P a c ific M a ritim e A s s o c ia t io n ------ ----------------------------------------- ----L on g sh orem en * 8 and W a re h o u s e m e n ’ s Union
D e tr o it E d iso n C o . , T h e ____________________ ___________________ —
U tility W o r k e rs
P en n sy lv a n ia P o w e r and L ig h t C o . _____________________ _________
E m p lo y e e s Independent A s s o c ia t io n

S te e lw o rk e r s
A m e r ic a n R a d ia to r and Standard
S a n ita ry C o r p . (L o u is v ille , K y . ) ______ ___ ______ __________
Stan dard A llie d T r a d e s C o u n cil
A m e r ic a n Seating C o . (G rand R a p id s , M i c h . ) ----------------------A u tom ob ile W o r k e rs
A m e r ic a n Su gar R efin in g C o . , T h e ---------------------------------------In tern a tion al B r o th e rh o o d o f L o n g s h o r e m e n
A m e r ic a n V is c o s e C o r p . ____—_________________ —--------------------T e x tile W o r k e r s (TW U A )
A r m o u r and C o . _______________________________ —______________
M eat C u tters
P a ck in g h ou se W o r k e rs (U PW A )
A r m s tr o n g C o r k C o . -----------------------------------------------------------------R u b b er W o r k e rs
B eth leh em S teel C o . ___________________________________________
S te e lw o r k e r s
B ig e lo w -S a n fo r d C a rp et C o . , I n c . __________________ —----------T e x tile W o r k e rs (TW U A)
B r e w e r s B o a r d o f T ra d e (N ew Y o r k , N . Y .) --- -------------------T ea m sters
B row n and B ig e lo w (St. P a u l, M i n n . ) -----------------------------------B o o k b in d e rs
C a lifo r n ia M eta l T r a d e s A s s o c i a t i o n _________ — —____ __ __
V a rio u s unions
C a m p b e ll Soup C o . (C a m d en , N. J . ) ------------------------------------P a ck in g h ou se W o r k e r s (U PW A )
C a te r p illa r T r a c t o r C o . ____________ —------------------------------------A u to m o b ile W o r k e rs
C h ase B r a s s and C o p p e r C o . , I n c . --------------- -------------- ----------A u to m o b ile W o r k e r s
C h ica g o T r a n s it A u th ority — ----------------------------------------------------S tre e t, E l e c t r ic R a ilw a y and M o to r C o a ch E m p lo y e s
C loth in g in d u s tr y , m e n 's and b o y s ' , v a r io u s e m p lo y e r s —
C loth ing W o r k e rs
C o a l in d u stry (b itu m in ou s), v a r io u s e m p l o y e r s ------------------U nited M ine W o r k e rs
C one M ills C o r p . -----------------------------------------------------------------------T e x tile W o r k e r s (TW U A )
C o n stru c tio n in d u s tr y , A s s o c ia t e d G e n e r a l C o n tr a c to r s
o f A m e r ic a , and oth er e m p lo y e r s (N o rth e rn C a lifo r n ia ) —
C a rp e n te rs

R e ta il and W h olesa le T r a d e :
D is trib u to r s A s s o c ia t io n o f N orth ern C a l i f o r n i a ______________
L o n g s h o r e m e n 's and W a re h o u s e m e n 's U nion, L o c a l 6
R esta u ra n t in d u stry , P r o g r e s s iv e R esta u ra n t
O w n ers A s s o c ia t io n , I n c . , and o th e r e m p lo y e r s
(N ew Y o r k , N . Y . ) ___ ___ __________________________________ _____
H otel and R esta u ra n t E m p lo y e e s , L o c a l 89
R e t a il, w h o le s a le , and w areh ou se in d u s tr ie s ,
v a rio u s e m p lo y e r s (N ew Y o rk , N . Y . ) _______________________
R e ta il, W h olesa le and D ep a rtm en t S to re U nion,
D is t r ic t 65 (65 S e c u r ity P lan)
R e ta il trad e in d u stry , v a r io u s e m p lo y e r s
(New Y o r k , N . Y . ) ______________________________________________
R e ta il C le r k s
D rug in d u stry (r e t a il), v a r io u s a s s o c ia tio n s and
e m p lo y e r s (N ew Y o r k , N . Y . ) _________________________________
R e t a il, W h o le s a le , and D ep artm en t S to re U nion, L o c a l 1199
In su ra n ce and R e a l E s ta te :
P ru d en tia l In su ra n ce C o . o f A m e r ic a , T h e ------------------------------In su ra n ce A g en ts In tern a tion al Union
R e a lty A d v is o r y B o a rd o f L a b o r R e la tio n s
(N ew Y o r k , N. Y . ) ______________________ ___ ____________________
B uilding S e r v ic e E m p lo y e e s
S e r v ic e s :
H otel A s s o c ia t io n o f N ew Y o rk C ity , I n c . ______________________
New Y o r k H otel T r a d e s C ou n cil
L au n dry in d u s tr y , v a r io u s e m p l o y e r s ---------------------------------------L a u n d ry , D ry C le a n in g , and Dye H ou se W o r k e rs
L au n dry in d u str y , v a r io u s e m p lo y e r s
(N ew Y o r k , N . Y . ) ---------------------------------------------------------------------C loth in g W o r k e rs




94

viii

112
40
4
70
16
22
100
22
10

52
118
4
124
94
184
34
172
22
172

Index

(Alphabetical)

- Continued

Page
Construction industry, various employers
(Western Pennsylvania) - _____________ ___________ —___________ __
Various Unions
Continental Can C o ., Inc. —______________________________________
Steelworkers
Deere and Co. ——__—_____ — ____ __ ________________ —________
Automobile Workers
Detroit Edison C o ., T h e _________________________________________
Utility Workers
Distillery industry, various e m p lo yers__________________________
Distillery Workers
Distributors Association of Northern C a lifo rn ia ________________
Longshoremen's and Warehousemen’ s Union, Local 6
Doll and toy industry, National Association of Doll
M fr s ., and other employers (New York, N. Y . ) ______________
Doll and Toy Workers, Local 223
Dow Chemical C o. , T h e _________________________________________
District 50, United Mine Workers
Dress industry, Affiliated Dress M fr s ., In c., and
other employers (New York, N. Y . ) _______ _________________ __
Ladies1 Garment Workers (New York Dress Joint Board)
Drug industry (retail), various associations and
employers (New York, N. Y . ) _________________________________
Retail, Wholesale, and Department Store Union, Local 1199
Elgin National Watch C o . _______________________________________ _
Watch Workers
Firestone Tire and Rubber Co. , T h e ___________________________ _
Rubber Workers
Florsheim Shoe C o ., T h e _____________________ __________________
United Shoe Workers
Ford Motor C o . _______________ _________________________ —_______
Automobile Workers
Forstmann Woolen C o . _____________ —_________ __________________
Textile Workers (TWUA)
Fur manufacturing and retailing industry, Associated Fur
M fr s ., In c., and other employers (New York, N. Y . ) ________
Meat Cutters (Furriers Joint Council of New York)
Furniture industry, various employers ________________________
Furniture Workers
Furniture M frs. in Southern California, Industrial
Relations Council o f _________ —_________________________________
Carpenters
Gair, Robert, C o ., Inc. (Division of Continental Can
C o ., Inc.) ______________________________________________________
Paper makers and Paperworkers
General Foods Corp. _____________________________________________
Various unions




Page
G e n e r a l M o to r s C o r p . _________________________________________ _____
A u to m o b ile W o r k e rs
G o o d r ic h , B . F . , C o . , T h e ________________________________ _______
R u b b er W o r k e r s
H otel A s s o c ia t io n o f New Y o rk C ity , I n c . ________________________
N ew Y o r k H otel T r a d e s C ou n cil
In tern a tion a l H a r v e s te r C o . _____________________________________ —
A u to m o b ile W o rk e rs
In tern a tion al P a p e r C o . (N orth ern D i v i s i o n ) ___________________ —
P a p e r m a k e r s and P a p e r w o r k e r s
P u lp , Sulphite and P a p e r M ill W o rk e rs
In tern a tion a l Shoe C o . ______________________________________________
U nited Sh oe W o r k e rs
J e w e lr y in d u stry , A s s o c ia t e d J e w e le r s , In c.,
J e w e lr y C ra fts A s s o c ia t io n , and oth er
e m p lo y e r s (N ew Y o r k , N . Y . ) ___________________________________
J e w e lr y W o r k e r s , L o c a l 1
J oh n son and Joh n son (N ew B ru n s w ick , N . J . ) __________________ _
T e x tile W o r k e rs (TW U A )
K en n ecott C op p er C o r p . (W e s te rn M ining D i v i s i o n s ) ____________
V a rio u s unions
L au n dry in d u stry , v a rio u s e m p lo y e r s
(N ew Y o r k , N . Y . ) ________________________________________________
C loth ing W o r k e rs
L au n d ry in d u s tr y , v a r io u s e m p l o y e r s ____________________________
L a u n d ry , D ry C lea n in g , and Dye H ouse W o r k e rs
L e v e r B r o th e rs C o . __________________________________________
C h e m ica l W o r k e rs
O il, C h e m ica l and A to m ic W o rk e rs
L ig g e tt and M y e r s T o b a c c o C o . , In c. ____________________________
T o b a c c o W o r k e rs
L u ggage and le a th e r g ood s in d u stry , v a r io u s e m p l o y e r s ______
L e a th e r G o o d s , P la s t ic and N ov elty W o r k e rs
L u m b er in d u stry , v a rio u s e m p lo y e r s (Sou th ern C a l i f o r n i a ) ____
C a rp en ters
L u m b er in d u stry , v a rio u s e m p lo y e r s (O re g o n , W ash ington ,
C a lifo r n ia , Ida h o, and M ontana)__________________________________
W o o d w o rk e rs
M a ritim e in d u str y , v a rio u s e m p lo y e r s ,
A tlan tic and G ulf C o a s t s _________ ________ ________________________
M a rin e E n g in e e rs
M a ritim e in d u stry , v a rio u s e m p lo y e r s ,
A tla n tic and G ulf C o a s t s __________________________________________
M a r itim e Union
M a r itim e in d u stry , v a rio u s e m p lo y e r s ,
A tla n tic and G ulf C o a s t s __________________________________________
S e a fa r e r s

172
118
118
208
10
214

160
58
34

22 6
154
82
82
142
22
28
40
40
46
10

ix

142
76
232
124
46

88

160
160
166
238
232
64
16
88
34
40
196
196
196

Index

(Alphabetical)

Page

P age
M a ss a ch u s e tts L e a th e r M fr s . A s s o c i a t i o n _____________________ _
L e a th e r W o r k e rs
M eat C u tters
M illin e r y in d u stry , E a s te rn W om en* s H ead w ea r A s s o c ia t io n ,
I n c , , and o th e r e m p lo y e r s (N ew Y o r k , N. Y . ) ______ _—_______
H a tte r s , C ap and M illin e r y W o r k e rs
M in n e a p o lis -H o n e y w e ll R e g u la to r C o . (M in n e a p o lis, M in n .) ___
T ea m sters
M in n esota M ining and M an u factu rin g C o . __________________—_____
O il, C h e m ica l and A to m ic W o r k e rs
N ation al A u to m o b ile T r a n s p o r te r s A s s o c i a t i o n __________________
T e a m s t e r s (N ation al T ru ck a w a y and D riv ea w a y C o n fe r e n c e )
N ation al B is c u it C o . __________________________________________ _____
B a k ery and C o n fe c tio n e r y W o r k e rs
N ew Y o rk Shipping A s s o c ia t io n , I n c . _____________________________
L o n g s h o r e m e n ’ s A s s o c ia t io n
N orth A m e r ic a n A v ia tio n , I n c . ____________________________________
A u to m o b ile W o r k e rs
O w e n s -Illin o is G la ss C o . _____________________ _____________________
G la s s B ottle B lo w e r s
P a c ific M a r itim e A s s o c i a t i o n _________________________ ____________
L on g sh orem en * s and W a reh ou sem en * s Union
P a in te rs and D e c o r a t o r s o f the C ity o f New Y o r k , In c. ,
A s s o c ia t io 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 cil 9
P a n A m e r ic a n P e t r o le u m C o r p . ___________________________________
V a rio u s unions
P e n n s y lv a n ia P o w e r and L ig h t C o . _______________________________
E m p lo y e e s Independent A s s o c ia t io n
P h ilip M o r r is , In c. _________________________________________________
T o b a c c o W o r k e rs
P ittsb u rg h P la te G la s s C o . ___ ______________________________________
G la s s and C e r a m ic W o r k e rs
P rin tin g in d u stry , C h ica g o L ith o g ra p h e rs
A s s o c ia t io n , and o th e r e m p lo y e r s ______________________________
L it h o g r a p h e r s , L o c a l 4
P ru d e n tia l In su ra n ce C o . o f A m e r ic a , T h e ______________________
In su ra n ce A gen ts In tern a tion al U nion
P u b lish e rs * A s s o c ia t io n o f New Y o rk C i t y _______________________
T ypograph ers, L o ca l 6
P u llm a n -S ta n d a rd C a r M an u factu rin g C o . _______________________
S te e lw o rk e r s
R a d io C o r p . o f A m e r i c a ___________________________________________
E l e c t r ic a l (lU E)
E le c t r ic a l (IBE W )
R a ilr o a d in d u stry , v a r io u s e m p l o y e r s ------------------------------------------V a rio u s n on op eratin g ra ilw a y unions




- Continued

88

R e a lty A d v is o r y B o a r d o f L a b o r R e la tio n s (N ew Y o r k , N . Y . ) ««,
232
B u ild in g S e r v ic e E m p lo y e e s
R esta u ra n t in d u stry , P r o g r e s s iv e R esta u ra n t
O w n ers A s s o c ia t io n , I n c . , and o th e r e m p lo y e r s
(New Y o r k , N . Y . ) _________________________________________________ 214
H otel and R esta u ra n t E m p lo y e e s , L o c a l 89
R e ta il trad e in d u stry , v a r io u s e m p lo y e r s (N ew Y o r k , N . Y .) _
220
R e ta il C le rk s
R e ta il, W h o le s a le , and w a reh ou se in d u s tr ie s , v a r io u s
e m p lo y e r s (N ew Y o r k , N . Y . ) ---------„----------- ----------------------- ^ ----220
R e ta il, W h olesa le and D ep a rtm en t S to re U nion,
D is t r ic t 65 (65 S e c u rity P la n )
S in c la ir O il C o r p . ------------------------ ----- ------------------------------------- —. —76
O il, C h e m ica l and A to m ic W o r k e rs
--- ------------- 76
S ocon y M o b il O il C o . , I n c . --- ----- .... _ .
O il, C h e m ica l and A to m ic W o r k e r s
S p e r r y G y r o s c o p e C o . (D iv is io n o f S p e r r y R and C o r p ) —..- T-—.
154
E l e c t r ic a l (lU E )
S w ift and C o . _____________ r-^—____ ______________________ _ - __ ________
16
M eat C u tters
P a ck in g h ou se W o r k e r s (U PW A )
P a ck in g h ou se W o r k e rs (N B P W )
T e x a s C o . , T h e ----------------------- ---------- ----------------------------------- ------------70
O il, C h e m ica l and A to m ic W o r k e rs
T r u c k O w n ers A s s o c ia t io n o f C a lifo r n ia - - .......- ..............................
196
T ea m sters
T ru ck in g in d u stry , lo c a l c a r ta g e and o v e r * t h e -r o a d fr e ig h t ,
v a r io u s a s s o c ia tio n s and in div id u al e m p lo y e r s , C e n tra l
S ta te s, S ou th ea st and Sou th w est a r e a s
------------------------ - .....- r
190
T ea m sters
T w in C ity R a pid T r a n s it C o . (M in n e a p o lis, M inn .)
-......... ......... 184
S tr e e t, E l e c t r ic R a ilw a y and M o to r C o a ch E m p lo y e s
U nited States R u b b er C o . --------- ,— n--------~r------- ----- ---------------------- rn...^
82
R u b b er W o r k e rs
United States S teel C o r p . —_____ __ ________ .---------------------------------- ---106
S te e lw o r k e r s
U p h olsterin g and a llie d tr a d e s in d u s tr ie s , v a r io u s e m p lo y e r s _
46
U p h o ls te r e r s
V a rio u s e m p lo y e r s , S t. L o u is , M o ., a r e a ——-----------------------------166
M a c h in is ts , D is t r ic t 9
•W eirton S te e l C o . ------ --------------_ -------------------------------------------- ----------100
Independent S te e lw o r k e r s Union
- -■
—
- __
52
W est V ir g in ia P u lp and P a p e r C o . —___
P a p e r m a k e r s and P a p e r w o r k e r s
P u lp , Sulphite and P a p e r M ill W o r k e r s
W estin gh ou se E le c t r ic C o r p . -------------------------—---------------------------------136
E l e c t r ic a l (lU E )

28
148
88
190
4
202
142
94
202

178
172
208
16
94
58
226
58
148
130
178
x

Digest of One Hundred Selected Health and Insurance Plans Under Collective Bargaining, Early 1958
Explanatory Notes

A lthough the te r m s and p r o v is io n s o f the d ig e s t o f h ealth and
in su ra n ce plans used in this r e p o r t a re g e n e r a lly s e lf-e x p la n a to r y ,
so m e s p e c ia l d efin ition s and q u a lifica tio n s w e r e r e q u ire d . T h ese a r e
se t fo r th b elow . It m u st be em p h a sized that a su m m a ry o f a plan n e c ­
e s s a r ily om its m any fe a tu re s and a d m in istra tiv e d eta ils e m b o d ie d in
the a g reem en ts and in su ra n ce p o lic ie s w h ich g o v e rn the o p e r a tio n o f
the plan.

Individuals to W hom the B en efits A pp ly
E x ce p t as in d ica ted , life in su ra n ce (o r death b en efits) and
a c c id e n ta l death and d is m e m b e r m e n t in su ra n ce a r e a v a ila b le on ly to
e m p lo y e e s .
A c c id e n t and s ick n e s s in su ra n ce b en efits a re a v a ila b le
on ly to e m p lo y e e s . The a v a ila b ility o f h o sp ita l, s u r g ic a l, and m e d ica l
b en efits to e m p lo y e e s and th eir dependents is in d ica ted in the a p p r o ­
p ria te s e c tio n s o f the plan d ig e st.

P la n s U nder C o lle c t iv e -B argaining

C a s e s C o v e r e d — O ccu p a tion a l o r N on occu p a tion a l

F o r p u rp o s e s o f this study, plans under c o lle c t iv e ba rg ain in g
in clu d e: ( l) T h ose esta b lis h e d fo r the fir s t tim e as a r e s u lt o f c o l ­
le c tiv e b a rg a in in g , and (2) th ose o r ig in a lly e sta b lis h e d by e ith e r the
e m p lo y e r o r the union, but sin ce b rou gh t w ithin the s c o p e o f the a g r e e ­
m en t, at le a s t to the extent that the a g r e e m e n t e sta b lis h e s e m p lo y e r
r e s p o n s ib ility to continue o r p rov id e c e r ta in b e n e fits .

F o r ea ch plan, the d ig e st show s the types o f c o v e r a g e (n o n o c ­
cu p a tion al a n d /or occu p a tion a l) fo r w h ich a ccid e n ta l death and d is m e m ­
b e rm e n t in su ra n ce and a ccid e n t and s ic k n e s s ben efits a re p a ya ble.
H osp ita l, s u r g ic a l, and m e d ic a l b e n e fits , e x ce p t w h ere in d ica ted , a r e
a v a ila b le on ly fo r n on occu p a tion al (o ff-t h e -jo b ) d is a b ilit ie s .
E lig ib ility R eq u irem en ts

A lth ough th ese plans a re under c o lle c t iv e b a rg a in in g , as d e ­
fin ed a b o v e , they a re not n e c e s s a r ily lim ite d in a p p lica tio n to e m p lo y ­
e e s c o v e r e d by c o lle c t iv e bargain in g a g r e e m e n ts. In co m p a n ie s w h ere
m o r e than one union r e p r e s e n ts e m p lo y e e s under the sa m e plan, the
union o r unions id e n tifie d in the plan d ig e sts a ccou n t fo r a la r g e p r o ­
p o rtio n but not n e c e s s a r ily all o r a m a jo r ity o f the w o r k e r s under
c o lle c t iv e b a rg ain in g a g re e m e n ts.
S ym b ols
X

When u sed in the d ig e st, this sy m b o l m eans that the c o l ­
umn i£ a p p lica b le o r that the b en efit is^ p r o v id e d under the
program .
When used in the d ig e s t, this sy m b o l m eans that the c o l umn is not a p p lica b le o r that the b en efit is not p r o v id e d
under the p r o g r a m .

V a ria tion s W ithin P la n s
A lth ough a sin g le p r o g r a m m a y be in e ffe c t throughout the
v a rio u s plants o r c o m p a n ie s c o v e r e d by a m u ltiplant o r m u ltie m p lo y e r
p r o g r a m , v a ria tio n s in som e ben efits m ay o c c u r betw een plants o r
c o m p a n ie s .
A co m m o n ex a m p le o f this v a ria tio n is that rela tin g to
h o sp ita l, s u r g ic a l, and m e d ica l b en efits p r o v id e d th rough B lue C r o s s
and B lue S h ield p r o g r a m s . B en efits under th ese p r o g r a m s g e n e r a lly
v a r y fr o m lo c a lit y to lo c a lity . W h ere v a ria tion s in b en efits a re known
to e x is t under a p a rticu la r m ultiplant o r m u ltie m p lo y e r plan, the p r o ­
v is io n s c o v e r in g the la r g e s t grou p o f c o v e r e d w o r k e r s a re d e s c r ib e d .




This te r m a p p lies to r e q u ire m e n ts w h ich a new e m p lo y e e
m u st fu lfill in o r d e r to be c o v e r e d by the plan or to b e c o m e e lig ib le
to p a rticip a te in the p r o g r a m . A lthough the e m p lo y e e g e n e r a lly b e ­
c o m e s e lig ib le to r e c e iv e ben efits upon qu alifyin g fo r plan c o v e r a g e ,
fu rth er r e q u ire m e n ts m a y be stipu lated fo r s p e c ific b e n e fits, e. g. ,
h osp ita l b en efits in m a tern ity c a s e s . Such ad dition a l re q u ire m e n ts
a re noted w h ere a p p lic a b le .
In th ose States w ith te m p o ra ry d is a b ility in su ra n ce p r o g r a m s ,1
w o rk e r s in su re d by p riv a te plans a r e e lig ib le fo r d is a b ility c a s h b e n e ­
fits as soon as they q u a lify under the State la w , ir r e s p e c t iv e of the
p riv a te plan e lig ib ilit y r e q u ire m e n ts . T h ese paym ents m a y be p r o ­
v ided under the p riv a te plan th rough m o d ific a tio n o f its e lig ib ilit y ru le s
or fr o m the State plan until the w o r k e r b e c o m e s e lig ib le under the
p riv a te plan. In ad dition, som e plans m ay appear not to c o m p ly w ith
statu tory r e q u ire m e n ts as r e g a r d s e lig ib ility re q u ire m e n ts ; in th ese
c a s e s , h o w e v e r, they need not do s o in asm u ch as the p riv a te plan
b en efits a r e in ad dition to th ose p r e s c r ib e d by the State law .
1
F o u r States have en acted statutes p rov id in g p r o te c tio n fr o m
lo s s o f w ages b e ca u se o f te m p o ra ry d is a b ility a r is in g out o f n o n o c ­
cu p a tion a l c a u s e s . T h ese a r e : R h ode Islan d, C a lifo r n ia , New J e r s e y ,
and N ew Y o rk . The statutes o f C a lifo r n ia and New J e r s e y p r o v id e fo r
the su b stitu tion o f p riv a te plans fo r the State plan.
The N ew Y o r k
statute d oes not p r o v id e f o r a State plan but r e q u ir e s e m p lo y e r s to
a rra n g e fo r the b en efits through in su ra n ce c o m p a n ie s , a c o m p e titiv e
State fund, o r by s e lf-in s u r a n c e . R hode Islan d m akes no p r o v is io n fo r
the su bstitu tion o f a p riv a te plan and th e r e fo r e d o e s not a ffe c t the
q u a lifica tio n re q u ire m e n ts o f p riv a te plans in that State. F o r a m o r e
c o m p le te d e s c r ip tio n o f th ese plan s, se e appendix A .

2
Im m ed ia tely o r f ir s t o f fo llo w in g m on th . — T h is te r m is used
to in d ica te the e lig ib ilit y r e q u ire m e n ts under w h ich an e m p lo y e e b e ­
c o m e s e lig ib le to p a rticip a te in the p r o g r a m not la te r than the f i r s t
o f the m onth fo llo w in g date o f em p loy m en t.
C o v e r e d em p loym en t m ean s e m p loy m en t by an e m p lo y e r c o n ­
trib u tin g to the plan (fund).
L ife In su ra n ce
In addition to the b a s ic life in su ra n ce b en efits p r o v id e d under
a plan, s p e c ifie d ad dition a l am ounts a r e often m ade a v a ila b le to the
e m p lo y e e on a c o n trib u to ry b a s is or at h is own c o s t . A v a ila b ility o f
this ad ditional in su ra n ce is in d ica ted by footn ote r e fe r e n c e . If a d d i­
tion a l in su ra n ce is m ade a v a ila b le by the c om p a n y , but not under the
c o lle c t iv e ba rg ain in g a g re e m e n t, this is in d ica ted in a footn ote sim p ly
as "c o m p a n y m a kes a v a ila b le a d dition a l in s u r a n ce " o r "c o m p a n y m a k es
a v a ila b le life in s u r a n c e ."

Hos p ita liza tio n
D a ily b en efit o r s e r v i c e . — If the plan p r o v id e s fo r eith e r
"w a r d o r s e m ip r iv a te " a c c o m m o d a tio n s , on ly " s e m ip r iv a t e " is en ­
te r e d as the b en efit a v a ila b le . In th ose c a s e s w h ere the plan in d ica tes
that se m ip r iv a te a cc o m m o d a tio n s a r e p ro v id e d but lim its the a llow a n ce
to a s p e c ifie d c a s h am ount, on ly the c a s h am ount is n oted. G e n e r a lly ,
w h ere s e m ip r iv a te r o o m a c c o m m o d a tio n s a r e p r o v id e d , the plan a ls o
s p e c ifie s an a llow a n ce tow a rd the c o s t o f a p riv a te r o o m . T h is p r o ­
v is io n is not noted in the plan s u m m a r ie s .
D a ily h osp ita l r o o m and b o a rd a llo w a n ce s a r e g e n e r a lly p r o ­
vid ed on an "u p to " b a s is .
This m eans that the patient w ill be r e ­
im b u rs e d fo r c h a r g e s up to a s p e c ifie d a llo w a n ce .
In so m e p la n s,
h o w e v e r, the s p e c ifie d a llo w a n ce is paid ir r e s p e c t iv e o f the c h a rg e
fo r the a c c o m m o d a tio n s u sed. This d is tin c tio n is n oted by the use o f
"u p to " t o d e s c r ib e the fo r m e r type of a llo w a n ce , and i f the la tte r type
o f b en efit is p r o v id e d , on ly the am ount o f a llow a n ce is c ite d .

A c cid e n ta l D eath and D ism e m b e rm e n t
Single d is m e m b e r m e n t. — R e fe r s to the lo s s o f 1 hand, 1 fo o t,
o r the sigh t o f 1 ey e.
M u ltid is m e m b e r m e n t. — G e n e r a lly r e fe r s to the lo s s o f tw o o r
m ore m em b ers.

S im ila r q u a lific a tio n s apply to
a llo w a n ce s and a r e n oted a c c o r d in g ly .

s u r g ic a l

and m e d ic a l c a r e

A c c id e n t and S ick n e ss

E x tra a llo w a n ce o r s e r v i c e . — C a sh a llo w a n ce s o r s e r v ic e s
p r o v id e d in ad dition to d a ily r o o m and b o a rd b e n e fits . If the plan pays
fo r the fu ll c o s t o f a ll o f the s e r v ic e s r e q u ir e d , fu ll c o s t o f s e r v ic e s is
e n te r e d in the c o lu m n . If the plan pays fo r fu ll c o s t o f s p e c ifie d s e r v ­
ic e s o r fu ll c o s t o f c e r t a in s e r v ic e s and p a rtia l c o s t o f oth er s p e c ifie d
s e r v ic e s fu ll c o s t o f s p e c ifie d s e r v ic e s is e n te r e d . A lis tin g o f the
s e r v ic e s c o v e r e d often runs to c o n s id e r a b le len gth and, th e r e fo r e ,
c o u ld not be r e p r o d u c e d in th ese s u m m a r ie s .

In this r e p o r t , a c c id e n t and s ic k n e s s in su ra n ce b e n e fits a r e
lim ite d to that type o f in su ra n ce under w h ich p r e d e te r m in e d c a s h p a y ­
m ents a re m ade to c o v e r e d e m p lo y e e s during p e r io d s o f te m p o r a r y
d is a b ility .
P a id s ic k -le a v e plans a r e not in clu d ed . In som e c a s e s ,
e m p lo y e e s a re c o v e r e d by both a c c id e n t and s ick n e s s in su ra n ce and
paid s ic k -le a v e p r o g r a m s . N o r e fe r e n c e is m ade to this fa c t in the
d ig e s t. H o w e v e r, if no a c c id e n t and s ic k n e s s in su r a n ce is p ro v id e d
under the h ealth and in su ra n ce plan, but the e m p lo y e e s a r e c o v e r e d by
paid s ic k le a v e , this fa c t is in d ica ted by a footn ote.

S e r v ic e s p r o v id e d m a y v a r y c o n s id e r a b ly am ong p la n s, but
often in clu d e u se o f op e ra tin g r o o m and equ ipm ent, g en era l n u rsin g
c a r e , la b o r a to r y ex a m in a tion s c o n s is te n t w ith the d ia g n o sis fo r w hich
h o s p ita liz e d , d ru g s and m e d ica tio n s fo r u se in h o s p ita l, a n esth esia if
a d m in is te re d by an e m p lo y e e o f the h osp ita l and an a llo w a n ce fo r an­
e s th e s ia if a d m in is te re d by a n on h ospital e m p lo y e e , and X - r a y e x ­
am in ation s c o n s is te n t w ith d ia g n o sis and trea tm en t o f con d ition fo r
w h ich h o s p ita liz e d .

D eath b e n e fit s . — Under an a c c id e n ta l death and d is m e m b e r ­
m ent p r o v is io n , death b en efits a r e pa ya ble in addition to any life in ­
su ra n ce ben efits w h ich m ay be o th e r w is e p r o v id e d under the p r o g r a m .

In States having te m p o r a r y d is a b ility le g is la t io n and in w h ich
a c c id e n t and s ic k n e s s ben efits a r e p r o v id e d through p riv a te p la n s, the
b e n e fit righ ts o f e m p lo y e e s under the p riv a te plan m u st m e e t c e r t a in
m in im u m sta tu tory r e q u ire m e n ts . F o r a d e s c r ip tio n o f th ese r e q u ir e ­
m en ts, se e appendix A .
A ls o in clu d ed in appendix A is a b r ie f d e s c r ip tio n o f the a c c i ­
dent and s ic k n e s s ben efits p r o v id e d under the R a ilr o a d U n em ploym ent
In su ra n ce A c t.




E m e rg e n c y ou t-p a tien t c a r e . — R e fe r s to the s e r v ic e o r c a s h
b en efit p ro v id e d in the ou t-p a tien t dep a rtm en t o f a h o sp ita l. In o r d e r
fo r the in dividu al to r e c e iv e this b e n e fit, trea tm en t u su a lly m u st be
r e c e iv e d w ithin a s p e c ifie d n u m ber o f h ou rs a fter the ca u se o f the
e m e r g e n c y o c c u r s . H osp ita l con fin e m e n t is not r e q u ire d . If s e r v ic e s
n e c e s s a r y fo r trea tm en t a r e p r o v id e d w ith no c o s t lim ita tion , r e q u ire d
s e r v ic e s p r o v id e d is e n te r e d in this colu m n ; if th ere is a c o s t lim it a ­
tion on the am ount o f s e r v ic e s p r o v id e d , this is n oted.

3
Surgical and Medical
Up to maximum schedule allowance accepted as full payment
in annual income is under . . - . — Except where indicated, annual income under this provision refers to total income of persons covered.
Maximum schedule allowance refers to the surgical schedule
allowance for the most costly single operation; often used to identify
the type of schedule; i. e. , a $200, $250, or $300 schedule.
Medical care allowances.— Generally, these benefits are
not payable for treatment received in connection with or following an
operation. However, under some plans providing for in-hospital medi­
cal benefits, the maximum amount of medical benefits payable is de­
termined according to a specified formula if an operation is performed
during the period, medical care allowances are otherwise payable.
Wherever such a formula is included in the plan, the details are set
forth in a footnote.
Maternity Provisions
Hospital and medical care benefits described in this section
are those available for normal delivery cases.
Usually, higher al­
lowances or benefits are provided in those cases where obstetrical
complications arise; these benefits are not described in this report.
Benefits available to newly insured. — This refers to the ad­
ditional period of coverage under the plan, if any, required of the
employee and/or dependent before maternity benefits are available.
Other Benefits
This section includes those benefits provided under the plan
and not described elsewhere in the digest. Out-of-hospital allowances
for anesthesia, X -ra y, electrocardiograms, etc. , where provided,
are included in this section. Where such benefits are provided only
during hospital confinement, they are considered part of the "extra
allowance or services" under the hospitalization section.
Extension of Benefits
Benefits made available to retired employees and their de­
pendents under the program are covered in this section. Benefits paid




for entirely by the employee are included only if available on a group
rate basis. Coverage available to retired workers and/or their de­
pendents through conversion to individual premium rate policies are
not included in this report.
Usually, the employee must be retired by the company or be
retired under the provisions of a retirement program in order to be
eligible for plan benefits. Generally, such retirement is based on age
and/or service requirements.
When qualifications for coverage are
indicated in the plan, these are noted in the appropriate benefit columns.
Financing
Company only. — This term is used when the company pays the
full cost of all benefits for the covered group or when the only payment
the employee makes is that required by State temporary disability
statutes. When the latter is the case, this is indicated by a footnote.
If the basic benefits are company financed, but additional benefits are
available on a contributory basis or at the employee’ s sole cost, the
method of financing has been designated as "company only" with a foot­
note explaining this option.
If benefits for the retired worker or the retired worker and
his dependents are paid for from a fund to which only the company
contributes, these benefits are noted as financed by "company only"
with an accompanying footnote.
Jointly. — Benefits for the covered group are considered
"jointly" financed even if the employer or employee pays part of the
cost of only one of the benefits provided and the other benefits are
financed solely by the employer or employee. If benefits for the re­
tired worker of the retired worker and his dependents are financed by
contributions of the active employee and the company, the benefits are
considered "jointly" financed.
Amounts of contribution. — Information is provided only to the
extent that details are available in the literature describing the plan.
No attempt was made to determine the actual amount of contribution or
cost in those cases where the plan simply stated that the company or
employee paid the "full cost" or "balance of c o s t."

4
SELECTED
E L IG IBIL IT Y
REQUIREM ENTS
CO M PA N Y , UNION,
AND
D A TE O F INFORM ATION

The A m e r ic a n Sugar
R efin in g C om pany

A fte r 3 m onths
e m p loym en t

M a r c h 1958

C a m p b ell Soup C om pany
(C am den , N. J .)
P a ck ingh ouse W ork e rs
(U PW A)
January 1958




AC C ID EN TA L DEATH AND DISMEMBERMENT

Amount
Before
age—

65

Y e a rs o f s e r v ic e
L e s s than 1 __
1 to 2 _________
2 to 3 _________
3 to 4 --------------4 to 5 _________
5 and o v e r ___

A p r il 1958

B a kery and C o n fe c tio n e r y
W ork ers

AND

If permanently and totally disabled
New e m p lo y e e s
becom e
e lig ib le —

International B roth e rh o o d
o f L on g sh orem en

N ational B is c u it C om pany

LIFE INSURANCE

HEALTH

$

B e fo r e age 65:
Men— $47Tj07r
W om en— $ 2 ,5 0 0

O ther b e n e fits :
A fte r 6 m onths
e m p lo y m e n t

A fte r age 65:
A t age o5, in su ra n ce re d u ce d 2 p e r c e n t ea ch m onth to an
am ount w hich v a r ie s a c c o r d in g to y e a r s e m p lo y e e c o n t r ib ­
uted to plan: F o r em p lo y e e having co n trib u te d 20 y e a r s ,
in su ran ce re d u ce d to 40 p e r c e n t (but not le s s than $ 1 ,2 0 0 );
fo r ea ch y e a r o f con tribu tion le s s than 20, in su ran ce c o n ­
tinued is 1 % p e r c e n t le s s than 40 p e r c e n t, m in im um 25
p e rce n t fo r 10 y e a r s o f con trib u tion ; f o r e m p lo y e e who
co n trib u te d to plan le s s than 10 y e a r s , in su ra n ce im m e d i­
ately re d u ce d to $500

O ther b e n e fits :
A fte r 50 d a y s '
e m p loym en t

F or 1 year

60

60
A fte r
age 60

Installm ents

X
F o r 1 year

Cases
covered

Graduated
according to—

N on occu - Y e a rs o f s e r v ic e
pational;
L e s s than 1 .
occupa­
tional
1 to 2 _______
2 to 3 _______
3 to 4 _______
4 to 5 _______
5 and o v e r _

500
600
700
800
900
2,000

L ife in s u r a n c e :
A fte r 3 m o n th s'
e m p lo y m e n t

A c c id e n t and s i c k ­ $ 3 ,0 0 0
n e ss b e n e fits :
Im m e d ia te ly o r
1st o f fo llo w in g
m onth

Insurance i»

N o n o c cu pational

MultiSingle
Death dismem- dism em berment

500
600
700
800
900
2,0 0 0

i

250
300
350
400
450
l ‘ 000

$ 1 ,5 0 0 $750

500

600
700
800
900
2 ,0 0 0

$ 1 ,5 0 0

5
IN S U R A N C E

PLANS

AC CID EN T AND SICKNESS

D uration o f b e n e fits
C a ses
covered

B a s ic w eek ly
earn in gs
L e s s than $ 4 0 ___
$40 to $ 6 0 _______
$ 60 to $ 7 0 _______
$ 70 to $ 8 0 _______
$ 80 and o v e r ____

N o n o c cu p a tion al

W eekly 13 w eeks
b e n e fit per d is ­
ability
$18
26
35
40
45

T w o -th ir d s o f w e e k ly w a g e
M axim um — $40

26 weeks
per d is ­
ab ility

D aily
benefit

D ays

B e n e fits lim ite d

1st day

T w o -th ir d s o f a v e ra g e w eek ­ 26 w eeks
ly w age—
per d is ­
M in im um — $10 p e r w eek
ability
M axim um — $3 5 p e r w eek

8th day

3 65 days

_

8th day

E x tra allow a n ce
o r s e r v ic e

Per
y ea r

P er
d is a ­
b ility

E m ergency
ou t-patien t
care

_

_

F u ll c o s t o f
s p e c ifie d s e r v ­
ic e s

_

X

R eq u ired s e r v ic e s
p rov id ed

E m p loy ee and dependents
31 days

8th day

Up to $110

E m p loy ee and dependents
S e m i­
private
room

70 days

A s s o c ia t e d H ospital S e r v ic e o f P h ila d e lp h ia (Blue C r o s s plan); e m p lo y e e s in o th er a r e a s c o v e r e d by d iffe r e n t p r o g r a m s .




M axim um
r o o m and
board
a llow a n ce

E m p loyee and dependents 1
S e m ip riv a te
room

8th day

D aily
am ount

8th day

Up to $ 11

N on occu p a tion a l

Extended
coverage

B e n e fits begin

E xcep t
A fte r
age—

N o n o c cu p a tion al

HOSPIT A L IZ A T ION

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

Up to $110

6
SELECTED

The A m e r ic a n Sugar
R efin in g C om pany

Up to schedule
a c c e p te d a s fu ll
paym ent i f annual
Incom e i s tinder—

_

D ependents

M axim um s ch e iu le a llow an ce
1300

13oo

In ternation al B ro th e r h o o d
o f L on gsh orem en

T o n s ille c t o m y
Up to $45
Up to $45

A p r il 1958

A p p e n d e cto m y
Up to $150
Up to $150

N ational B is c u it C om pany

_

M axim u m scheciule allow an ce

13oo

B a k ery and C o n fe c tio n e r y
W ork ers

E m p loy ee

O p e ra tio n sch edu le—
s e le c t e d a llo w a n c e s

E m p lo y e e

poo

AND

M E D IC A L

SU RG ICA L

C O M PA N Y , UNION,
AND
D A T E OF INFORM ATIO N

HEALTH

C ov ers
cases
in—

Up to sch edu le
allo w a n ce
a c c e p te d a s fu ll
paym ent i f annual
in c o m e i s under—

H d sp ita l,
o f fi c e , h o m e ,
e ls e w h e r e

H o sp ita l,
o ffic e , hom e ,
e ls e w h e r e

H om e

Up to
$3 per
v is it

O ffic e

Up to
$3 per
v is it

_

_

_

_

_

__

T o n s ille c t o m y
Up to $45
Up to $45

H o s p i­
tal
1st day,
up to
$10 ; 2d
day, up
to $5;
th e re ­
a fte r,
up to $3
per day

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

M a xi­
m um
num ber
v is it s
S ick n es s A cciden t
pa id
fo r

M a xi­
m um
num ber
days
paid
fo r

H om e:
H om e:
H ome:
4th v is it 4th v is it 1 per
day; 21
per yeai
O ffic e : D ffice:
1st v is it 1st v is it
O ffic e :
H osp ita l H ospital: 1 per
1st day 1st day day; 365
p e r year

H ospital:
70 p er
d is a ­
b ility

B en efits begin

A llo w a n ce
E ls e ­
w h ere

_

M axim um
com p en sation

H om e:
$ 63 per y e a r
O ffic e :
$ 1,0 9 5 p e r y ea r
H ospital:
$219 p er d is a b ility

_

$93 per d is a b ility

1st day

1st day

—

—

__

31 p er
d is a ­
b ility

M a rch 1958
A p p e n d e cto m y
Up to $150
Up to $150

C a m p b ell Soup C om pany
(C am d en , N, J . )

_

M axim um sche<dule a llow a n ce

1206

poo

P a ck in gh ou se W o r k e r s
(UPW A)

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

Jan uary 1958

A p p e n d e cto m y
Up to $ 100
Up to $100




Ho spited

__

_

_

—

—

7
INSURANCE

P L A N S - Continued

M ED ICAL - Continued

M A T E R N ITY PROVISIONS

D ependents

H o s p i­ E ls e ­
tal
w h ere
Up to
1st
$3 p er day,
up to
v is it
$ 10 ;
2d day,
up to
$5;
th ere­
a fte r ,
up to
$3 p e r
day

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

M axim um
com p en sation

O ffic e :
$ 1 ,0 9 5 per y e a r
H o s p ita l:
$21 9 p e r d isa b ility

O ff ic e :
1st
1st
v is it
v is it

O ff ic e :
1 per
day;
365
H o s p i- H o s p i­ per
tal:
t a l:
year
1st
1st
day
day

H o s p ital:
TO p e r
d is a ­
bility

A c c id e n t
and
sick n e s s

D aily
benefit D u ra ­
tion

1 in R eg u la r
h osp ital
ben e fits
co n s u lta ­ f o r 6 w eeki
tion a llo w
S e m i­ 7 days
ance per
private
room
d is a b ility ,
up to $ 10

M axim um
r o o m and
board
a llow an ce

Schedule
E x tra
allow an ce A m ounts
a llow an ce Lum p
and
fo r
or
sum
n orm a l lim itation s
s e r v ic e s
d e liv e ry

E m p lo y e e and dependent
Full c o s t
af s p e c i ­
fied s e r v ­
ices

_

B en efits av a ila b le to
new ly in su red

E m p loy ee and dependent:
H osp italization — im m e d ia t e ly
S u rg ica l— a fter 9 m onths
Up to $ 75
E m p lo y e e :
A c c id e n t and s ick n e s s — a fter 9
m onths

(M

(M

$93 p e r d isa b ility

1st day 1st day

31 p e r
d is a ­
bility

R eg u la r
ben efits
fo r 6 w eeks

E m p loy ee and dependent:
I f p regn an cy c o m m e n c e s w hile
in su red

E m p lo y e e and dependent
Up to
$110

R e g u la r
b e n e fits
f o r 4 w eeks

Up to $75

E m p lo y e e and dependent
S e m i­ 7 days
p rivate
room

A s s o c ia te d H ospital S e r v ic e o f P h iladelph ia (Blue C r o s s plan); 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 by d iffe r e n t p r o g r a m s .




S u rgica l

H osp ita liza tion
M a x i­
B e n e fits begin M axi­
m um
m um
O ther
num ber number|]p r o v is io n s
S ic k ­ A c c i ­ v is its
days
ness
paid
dent
paid
fo r
fo r

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

E m p loy ee and depen dent:
H ospitadization-—-after 9 m onths
Sur g ic al— im m e diate ly
Up to $ 60
E m p lo y e e :
A c c id e n t and s ic k n e s s —
im m ed ia tely

8
SELECTED

C O M PA N Y , UNION,
AN D
D ATE O F INFORM ATION

D ependents o f r e t ir e d em p loy ee

R e tir e d e m p lo y e e
T y p e 8 and am ounts
L ife in su ran ce

E m p lo y e e and dependents

$

1,000

Internation al B r o th e rh o o d D ia gn o stic X - r a y and la b o r a to r y a llow an ce fo r nono f L o n g s h orem e n
h o s p ita liz e d c a s e s — up to $ 100 p e r y e a r

A cc id e n ta l
death and
di s m e m o e rm e n t

H o sp ita liz a tio n

Sam e as fo r activ e
e m p lo y e e

S u rg ica l

M ed ica l

Sam e ^s
fo r a c ­
tive e m ­
p loy ee

Sam e as
fo r activ e
e m p loy ee

L ife
in su ra n ce

H o s p ita li­
zation

S u rg ica l

M ed ica l

Sam e as
Sam e as
f o r r e t ir e d f o r r e ­
t ir e d
em p loy ee
e m p loy ee

Sam e as
fo r de­
pendents
o f a ctiv e
e m p lo y e e

A p r il 1958

N ational B is c u it C om pany

Sam e as f o r a c ­
tive e m p lo y e e

B a k ery and C o n fe c tio n e r y
W ork ers
M a rch 1958

C a m p b ell Soup C om pany
(C am den , N. J . )
P ack in gh ou se W o rk e rs
(UPW A)
January 1958

1 Such b en e fits as X - r a y , a n esth esia.an d e le c t r o c a r d io g r a m allo w a n ce s m ay be p ro v id e d under s o m e p la n s , although not lis t e d h ere,
E X P L A N A T O R Y N OTES.




AND

E X TE N SIO N O F BE N E FITS T O —
(m ust be at le a s t on group rate b a s is )

O TH ER B E N E F IT S 1

The A m e r ic a n Sugar
R efin in g C om pany

HEALTH

R e a s o n s f o r not lis tin g such b en efits are s e t fo rth in

9
INSURANCE

PLANS

-

C ontinued

FINANCING
B e n e fits f o r
e m p loy ee

B e n e fits fo r e m p lo y e e 's
dependents

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 fits f o r dependents
o f r e tir e d e m p lo y e e

Am ount o f con tribu tion
B e n e fits fo r e m p lo y e e and dependents

C om pany
Join tly
only

E m p lo y e e Com pany
C om pany
E m p lo y e e Com pany
E m p lo ye e
Join tly
Jointly
Jointly
only
only
only
only
only
only

X

X

X

X

X

X

E m p lo y e e

X

L ife in su ra n ce b e fo r e age 65:.
Men— $ 1. 80 per m onth
W om en— $ 0 .9 0 per m onth

C om pany

X

(M

E m p lo y e e 's m a te rn ity ben e fits
(h o s p ita liz a tio n and s u r g ica l):
T w o -th ir d s o f c o s t
D ep en d en ts' b e n e fits ;
T w o -th ir d s o f c o s t

C om pany

L ife in su ra n ce:
B e fo r e age 65-—
balan ce o f c o s t ;
a fter age 65— fu ll
cost

F u ll c o s t

A ll ben efits f o r e m p lo y e e , ex c e p t
m a tern ity c o v e r a g e
fo r h osp ita liz a tion
and s u r g ica l:
F u ll c o s t

D epen den ts' benefits:
O n e -th ird o f c o s t




E m p loy ee

F u ll c o s t

E m p lo y e e 's m a t e r nity b e n e fit (h o s p ita liza tion and
s u r g ica l):
O n e -th ir d o f c o s t

E x ce p t w om en e m p lo y e e s e le ctin g m a te rn ity c o v e r a g e (h o sp ita liz a tio n and s u r g ic a l) pay tw o -th ird s o f c o s t o f th ese b e n e fits .

B e n e fits f o r r e t ir e d em p lo y e e
and dependents

F u ll c o s t

O ther b e n e fits :
F u ll c o s t — $ 0 .4 8
f o r ea ch day e m ­
ployee paid; m a x i­
m um — $ 2 .4 0 per
w eek

X

fo r —

io
SELECTED
ELIG IB IL IT Y
REQU IREM EN TS
C O M PA N Y , UNION,
AND
D ATE O F INFORM ATION

LIFE INSURANCE

D is t ille r y W ork ers
N ational plan

AND

ACCIDENTAL DEATH AND DISMEMBERMENT

If perm anently and totally disabled
New e m p lo y e e s
becom e
e lig ib le —

Before
age—

C ases
covered

Insurance i s

Single
dism em ­ dism em ­
berm ent berm ent

Graduated
according to—

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

HEALTH

60

1st o f month
a fte r ex p ira tio n
o f 30 days f o l ­
low in g date o f
e m p loym en t

$2,500

Im m e d ia te ly o r
1st o f follow in g
m onth

Annual w age

Nonoccupational

$2,500 $1,250

$2,500

Nonoccupational;
occupa­
tional

$1,500 $750

$1,500

F e b ru a r y 1958

G en era l F o o d s
C or p o r a tio n
V a rio u s unions
January 1958

B r e w e r s B o a rd o f T ra d e
(New Y o r k , N . Y .)
T ea m sters

250 days o f
e m p loym en t

L e s s than
$ 1 ,2 0 0 . to
$ 1 ,7 0 0 to
$ 2 ,2 0 0 to
$ 3 , 500 to
$ 4 , 500 to
$ 5 ,5 0 0 to
and up

$ 6,000

$ 1 ,2 0 0
$ 1 ,7 0 0
$ 2 ,2 0 0
$ 3 , 500
$ 4 , 500
$ 5 , 500
$ 6 , 500

.
.
.
.
.
.
.

F 2,000

Installments
or lump sum
(optional)

3 .0 0 0
4 .0 0 0

6.000

8 ,0 0 0
10 ,0 0 0
12,000

F e b ru a r y 1958

T e r m in su ra n ce until age 45; beginning with age 45 , co m b in a tio n o f te r m and p aid -u p in su ra n ce ; am ount o f te r m insurance decreases as amount o f paid-up insurance increases.




11
IN S U R A N C E

PLANS

- Continued

H OSPITALIZATIO N

ACCID EN T AND SICKNESS

D u ration o f b e n e fits
C a ses
covered

E x cep t
P e r io d

N O M C C V ft-

tional

M en— $4 5 per w eek
W om en— $35 per w eek

26 weals
p er d is a b ility

A fte r
age—

B e n e fits lim ite d
to—

—

—

A ccid e n t

1st day

Sickne s s

D aily
ben efit
or
s e r v ic e

—
(l )

(l )

(l )

D ays

$980

70 days

$ 4 5 p er week

20 weeki
p er d is ­
a b ility

—

—

1st day

120 days

180

Per
d is a ­
b ility

E m ergen cy
out-patien t

Up to $210

X

50 p e r c e n t
o f co st of
s e m ip riv a te
room

F u ll c o s t o f s e r v i c e s f o r 1st 120
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
tion al 180 days

X

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

X

Up to $ 7 .2 5

E m p lo y e e and dependents

8th day

Sem i-

21 days

private
room

-

a eridm t end sickness insuranc e benefit provided b y plan; emplnyeag covered by paid sick-leave plan.




Per
year

E m p lo y e e and depen dents

p riv a te
room

tim a l

E xtra allow a n ce
o r s e r v ic e

(l )

Sem i­

N eaeccupa-

D aily
am ount

E m p loyee and dependents

—
(M

M axim um
r oAm
o m ount
and
board
a llow an ce

D uration

8th day o r
1st in
h osp ital
Up to $ 14

(x)

Extended
coverage

B e n e fits begin

180

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

F u ll c o s t o f s p e c ­
ifie d s e r v ic e s
f o r 1st 21 d ays;
50 p e r c e n t o f
c o s t f o r a d d i­
tion al 180 days

12
SELECTED

H EALTH

AND

M E D IC A L

CO M PA N Y , UNION,
AND
D A T E OF INFORM ATIO N

Up to schedule
a llow a n ce
a c c e p te d a s fu ll
paym ent if annual
in c o m e i s under—

E m p loy ee

O p eration sch edu le—
s e le c t e d a llo w a n ce s
C ov ers
cases
E m p lo y e e

D ependents

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

M axim u m sch ed u le a llow a n ce
$300
$300

D is t ille r y W ork e rs
N ational plan

T o n s ille c to m y
Up to $45
Up to $45

F e b ru a r y 1958

A p p en d ectom y
Up to $ 150
Up to $150

G en era l F ood s
C o rp o ra tio n

M axim um sch ed u le a llow an ce
$300
$300

V a riou s unions

T o n s ille c to m y
Up to $45
Up to $45

H o sp ita l,
o f fi c e , h o m e ,
e ls e w h e r e

Up to sch edu le
a llow a n ce
a c c e p te d a s fu ll
paym ent i f annual
in c o m e i s under—

O ffic e

H o s p i­
tal

M a x im um
n um ber num ber
days
v is it s
S ick n es s A ccid en t
p a id
paid
fo r
fo r
B en efits begin

A llo w a n ce
E ls e ­
w h ere

M axim um
com p en sa tion

Up to $5 Up to $3 Up to $5 Up to $ 5 $ 250 p e r d is a b ility
p e r v is it p e r v is it p e r v is it p e r v is it

H o sp ita l,
o f fi c e , h o m e ,
e ls e w h e r e

$5 fo r
each day
of c o n ­
finem ent

$600 per d is a b ility

M axim um sch ed u le a llow an ce H o s p ita l,
o f fi c e , h o m e ,
$225
$225
e ls e w h e r e
T o n s ille c to m y
Up to $40
Under age 12,
up to $25;
o v e r age 12,
up to $40

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

$ 45 4 p e r d is a b ility

1 per
day

3d v is it
o r 1st
in h o s ­
p ital

1st day

1st day

120 per
d is a ­
b ility

January 1958
A p p en d ectom y
Up to $ 150
Up to $150

B r e w e r s B o a rd o f T ra d e
(New Y o rk , N . Y .)
T e a m s te r s
F e b ru a r y 1958




A p p en d ectom y
Up to $ 100
Up to $ 100

1st day

1st day

201 p e r
d is a ­
b ilit y

13
IN S U R A N C E

PLANS

M ED ICAL - Continued

M A T E R N ITY PROVISIONS
H osp italization

D ependents
M axi­
M axi­
m um
m um
O ther
num ber num ber p r o v is io n s
A c c i­
days
v is its
dent
paid
paid
fo r
fo r

Benefits begin
H o s p i­ E l s e ­
tal
w here
Up to
$ 5 per
visit

M axim um
co m p e n sa tio n

S ic k ­
n ess

$250 p e r d isa b ility 1st
v is it

1st
v is it

$5 fo r
each
day o f
co n ­
fine­
ment

$600 p e r d isa b ility 1st day 1st day

1st day,
up to
$1 0 ;2 d
through
5th day
up to
$5 per
day; 6th
through
21st
day, up
to $4
per d ^ ;
th e r e ­
of t e r ,
up to
$2 p e r
day

$454 p e r d is a b ility

1st day 1st day

1 per
day

A ccid e n t
and
s ick n e s s

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

R eg u la r
ben e fits
fo r 6
w eeks

per
d is a ­
b ilit y

I

(l)

B en efits ava ila b le to
new ly in su red

Employee and dependent:
After 9 months

E m p lo y e e and dependent

I

$ i 7 5 m a t e r n i t y a li o wan

S e m i- 10
p rivate days
ro o m

1 in h osp ital
c o n s u lta ­
tion a llow ,
a n ce p e r
d is a b ility ,
up to $ 10

No a ccid e n t and s ick n e s s in su ra n ce b e n e fit p ro vid e d by plan; e m p lo y e e s c o v e r e d by paid s ic k -le a v e plan.




M axim um
r o o m and
board
allow an ce

Employee and dependent:
If p regn a n cy com m en
in su red

E m p lo y e e and dependent

120
per
d is a ­
b ility

201

S u rgica l

Schedule
E xtra
allow an ce Am ount s
allow an ce Lump
and
fo r
or
sum
n orm a l lim ita tion s
s e r v ic e s
d e liv e ry

Up to

F u ll c o s t
of serv ­
ice s

$125

E m p lo y e e and dependent
Up to Up to $ 70
$80

$ 1 fo r
ea ch day
of con ­
fin em en t
p r io r to
d e liv e ry ;
m a x i­
m um — d 1

Employee and dependent:
Im m ed ia tely

14
SELECTED

C O M P A N Y , UNION,
AND
D A TE OF INFORM ATION
T y p e s and am ounts
L ife in su ra n ce

D is t ille r y W o rk e rs
N ational plan

D ependents o f rletired e m p loy ee

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

E m p lo y e e and dependents

AND

EXTENSIO N O F B E N E FITS TO —
(m u st be at le a s t on grou p rate b a s is )

O TH ER B E N E F IT S 1

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

HEALTH

A c c id e n ta l
death and
di sm e m o e rm e n t

H o s p ita lis a tio n

S u rg ica l

M e d ica l

L ife
in s u ra n ce

H o s p ita li­
zation

S u r g ic a l

M e d ica l

$ 1 ,0 0 0 o r $ 1 ,5 0 0
(option a l)

A llo w a n ce f o r m is c e lla n e o u s c h a r g e s f o r n on h o s p ita liz e d s u r g ica l c a s e s — up to $ £ l0 per
d is a b ility

F e b ru a r y 1958

G en era l F o o d s
C or p o r a tio n
V a riou s unions
January 1958

B r e w e r s B o a rd o f T ra d e
(New Y o r k , N . Y .)
T e a m s te r s

R etirin g at
age 55 w ith
l5 y e a r s '
s e r v ic e o r
at age 65:
Same as
fo r activ e
em p lo y e e

R e tir in g a t age
55 o r la t e r with
15 y e a r s ' s e r v ic e :
A m oun t o f p a id up in s u ra n ce a c ­
cu m u lated p r io r
to r e tir e m e n t o r
$ 1 ,0 0 0 , w h ich ­
e v e r is g r e a te r 2

R e tir in g at age 55
with 1 5 y e a r s ' s e r v i c e o r at age 65:
Sam e a s 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 xtra
s e r v ic e s lim ite d to
$500

R e tirin g
at a ge 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

$500

Sam e as f o r activ e
e m p lo y e e

Sam e as Sam e as
fo r a c ­
f o r a ctiv e
tive
em p lo y e e
e m p loy ee

S am e as
Sam e a s
Sam e as
f o r r e t ir e d
f o r r e t ir e d f o r r e ­
e m p loy ee
e m p lo y e e
tir e d
em p lo y e e

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

F e b ru a r y 1958

f

1 Such b en e fits a s X -r a y , a n e s t h e s ia and e le c t r o c a r d io g r a m a llo w a n c e s m a y b e p ro v id e d under s o m e p la n s , although not lis t e d h e r e . R e a s o n s f o r not lis tin g s u ch b e n e fits a r e s e t fo rth .in
E X P L A N A T O R Y N O T ES.
j
2 P r o v id e d e m p lo y e e p r io r to r e tir e m e n t co n tin u o u sly co n trib u te d fo r p a id -u p in su ra n ce and d o e s n ot, at any t im e , s u r r e n d e r it to r c a s n .




15
IN S U R A N C E

PLANS

- Continued

FINANCING
B en efits f o r
em p loy ee

B e n e fits fo r e m p lo y e e ’ s
dependents

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

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

A m ount of con trib u tion
B e n e fits f o r e m p lo y e e and dependents

C om pany
Jointly
only

Com pany
E m p lo y e e C om pany
E m p lo y e e Com pany
E m p loyee
Jointly
Jointly
Jointly
only
only
only
only
only
only

X

X

X

X

X

X

X

E m p lo y e e

D epen den ts' b e n e fits :
F u ll c o s t

X

X

X

X

( 2>

( 2)

Com pany

fo r—
B e n e fits f o r r e t ir e d e m p lo y e e
and dependents
E m p loy ee

E m p lo y e e ' s b en efits: F u ll c o s t — $ 2 .2 5
F u ll c o s t
m onth f o r $ 1 ,0 0 0
su ra n ce o r $ 5 . 50
m onth f o r $ 1 ,5 0 0
su ra n ce

C om pany
p er
in ­
per
in ­

L ife in s u r a n c e :
E m p lo y e e con trib u tion <l e a s e s , p a id -u p
in s u r a n c e (fin a n ced b y <em p loyee p r io r
to re tir e m e n t) continuei s in e ffe c t ; c o m pan y pays c o s t o f d iffe r e n ce betw een
P a id -u p in su ra n ce sifter age 45 1 :
e m p lo y e e -fin a n c e d paid -up in su ra n ce
F u ll c o s t — $ 0 . 65 p e r m onth per
H osp ita liza tion , s u r - (if l e s s than $ 1 ,0 0 0 ) an d guaran teed
$ 1 ,0 0 0 in su ran ce
g ic a l, and m e d ica l:
m in im u m c o v e r a g e o f $; 1,000
H ospitalization , s u rg ica l, and m e d ica l: B a lan ce o f c o s t
B en efits fo r e m p lo y e e o n ly , $ 1 .2 0
H o s p ita liz a tio n , s u r H osp ita liza tion ,
g ic a l, and m e d ica l:
p e r m onth; fo r e m p lo y e e and one
s u r g ic a l, an^i
dependent, $ 2 .6 0 ; f o r e m p lo y e e and
Sam e as a ctiv e
m e d ica l:
m o r e than one depen dent, $ 3 .8 0
em p lo y e e
B a lan ce o f c o s t
T e r m life in su ra n ce :
B e fo r e age 4 5 * — $ 0 .3 0 p e r
m onth p e r $ 1 ,0 0 0 in su ran ce

T e r m l if e in su ra n ce:
B e fo r e age 45,
balan ce o f c o s t;
a fter age 45, fu ll
cost1

F u ll c o s t — $1 4 . 55
p er m onth

F u ll c o s t
( 2)

( 3)

1 Up to age 45, life in su ran ce is te r m in su ra n ce ; a fte r age 45, co m b in a tio n o f te r m and paid-u p in su ra n ce . A fte r age 45, e m p lo y e e 's total con trib u tion s go tow a rd p u rch a sin g paid-UD in su ran ce
C om pany m aintains te rm in s u r a n c e . Am ount o f te rm in su ran ce d e c r e a s e s as am ount o f p a id -u p in su ra n ce in c r e a s e s .
8
P
g Paia UP in su ra n ce.
3 Diinanf - « i ° Ut ° f c ° m Pany « " trib u tlo f ! o r b en efits f o r a ctiv e e m p lo y e e and depen dents; s e e com p an y co n trib u tio n co lu m n f o r b en efits f o r e m p lo y e e and dependents
P lu s d iffe r e n c e , i f any, betw een c o s t o f b e n e fits and a d m in istra tiv e c o s t .
« i u uepen




16
SELECTED
ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

A r m o u r and Com pany
M eat C u tte rs ;
P a ck in gh ou se W ork ers
(UPW A)

LIF E INSURANCE

Amount

Insurance i»

Installments

L ife in s u ra n ce and A g e at tim e o f em ploym en t
a c c id e n t and s i c k ­
U nder age 55 ---------------------n e s s b e n e fits ;
A fte r, 6 m o n th s'
A g e 55 and o v e r ----------------em p lo y m e n t

$ 2, 2 0 0

1, 100

F e b ru a r y 1958
O ther b e n e fits ;
1st o f m onth f o l ­
low ing 6 m p n th s'
e m p loym en t
Sw ift and C om pany

A fte r 6 m o n th s ’
em p lo ym e n t

M eat C u tters;
P a ck in gh ou se W o rk e rs
(U PW A);
P a ck in gh ou se W o rk e rs
(NBPW )

(M

F e b ru a r y 1958

L ig g e tt and M yers,
T o b a c c o Com pany,

A fte r 3 m onths 1
e m p loym en 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 , 500 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 rk e rs
F e b ru a r y 1958

P h ilip M o r r i s , Inc.

B a s ic annual pay

A fte r 3 m o n th s '
e m p loym en t

In surance

$ 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 ________

B e fo r e age 65:
Y e a r ly
b a s e pay

12,000
13,000

60

T o b a c c o W ork ers
L e s s than
$1, 500 to
$2, 000 to
$2, 500 to
$3, 000 to
$3, 500 to
$4, 000 to
$ 4 , 500 to
$ 5 ,0 0 0 to
$5, 500 to
$6, 000 to
and up

A p r il 1958

$ 1 ,5 0 0
$2 , 000
$2 , 500
$3, 000
$3 , 500
$4, 000
$4, 500
$ 5 , 000
$5, 500
$6, 000
$6, 500

----------------------------------------------------------------------^-------

$ 3, 000
4, 000
5, 000

6, 000
7, 000

8, 000

9 , 000
10,000

11,000

12,000
13, 000

At age 65:
Am ount in e ffe c t re d u ce d 10 p e r c e n t and re d u ce d b y like
am ount on the next 4 su c c e e d in g a n n iv e r s a r ie s

C om pany m ak es a v a ila b le life in su ra n ce on a c o n trib u to ry b a s is .




60

$ 5 ,0 0 0
6,000
7 .0 0 0
8 .0 0 0
9,000
10,000
11,000

Insurance

AND

A C C ID EN TA L DEATH AND DISMEMBERMENT

If permanently and totally disabled
New employees
become
eligible—

HEALTH

U ntil n o rm a l
re tir e m e n t a g e ,
then re d u c e d 10
p e r c e n t im m e d i­
a te ly and 10 p e r ­
ce n t annually,
th e re a fte r
to 50 p e r c e n t o f
am ount in e ffe c t
p r i o r to in itia l
red u ction

X

Amount
Cases
covered

Graduated
according to-

Multi­
Single
Death dismem­ dismem­
berment berment

17
IN S U R A N C E

PLANS

- Continued

ACCIDENT AND SICKNESS

HOSPITALIZATION

Duration of benefits
C ases
covered

Nonoccupational

Daily
benefit

Except
After
age—
Men— $ 12 per week
Women— -$9 per week

(M

Extended
coverage

Benefits begin
Duration

Days

Benefits limited

13 weeks
per d is­
ability

1st day

8th day

(l)

(M

(l )
(l )

Daily
amount

Maximum
rooi^i and
board
allowance

Extra allowance Per
or service
year

Per
disa­
bility

Em ergency
out-patient
care

Employee and dependents

Sem iprivate
room

F u ll cost of
specified se rv ­
ices

70 days

_

X

Required services
provided

r___

X

Required serv ice s
provided

■ v..

Employee and dependents
(2 )

(2 )

Nonoccupational

(2 )

50 percent of weekly rate of 13 weeks
pay—
per dis
Maximum-— $ 50 per week
ability

<*)

(2)

(2 )

Semiprivate
room

6th work­ 6th workday
day

50 percent of weekly rate of 13 weeks
pay—
per d is­
Maximum— $50 per week
ability

8th day

_

_

_

F u ll cost of
specified se rv ­
ices

Employee and dependents 3
Sem iprivate
room

Nonoccupational

70 days

60 days

F u ll cost of
specified se rv ­
ices

X

Required serv ice s
provided

X

Required serv ice s
provided

Employee and dependents'3

8th day
Sem iprivate
room

60 days

F u ll cost of
specified se rv ­
ices

■
-

Not available to employees over age 55 at time of em ployment. ,
No accident and surkness insurance benefit provided by plan; employees covered by paid sick-leave plan.
Virginia Hospital Service Association (Blue C ross plan); employees in other areas covered by different program s.




During firs t year of plan membership, benefits limited to 30 days per year.

m
SELECTED

schedule
allowance
accepted as full
payment if annual
income is under—
TT p t o

Employee

Operation schedule—
selected allowances
Covers
cases
Employee

Dependents

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

Office

Meat Cutters}
Packinghouse Workers
(UPWA)
February 1958

Hospi­
tal

ms=~

Maanmum
number number
days
visits
Sickness Accident
paid
paid
for
for
Benefits begin

Allowance

Maximum schedule allowance. Hospital,
p
r
$300”
office, home
elsewhere
Tonsillectom
t^ iu in y
y
Under
age
12,
Up to $ 60
up to $35;
over age 12,
up to $ 60

Armour and Company

AND

M EDICAL

SURGICAL

COMPANY, UNION,
AND
DATE OF INFORMATION

H EALTH

E ls e ­
where

Maximum
compensation

1st
visit, up
to $10;
there­
after,
up to $3
per
visit

$217 per disability

1st day

1st day

1 per
day; 70
per d is­
ability

1st day,
up to

$217 per disability

1st day

1st day

70 per
U sa­
bility

$ 1 1 1 per year

1st day

1st day

35 per
year

_____ Appendectomy ____
Up to $ 150
|Up to $ 150

Maximum schedule allowance Hospital,
$300"
$300
office, home,
elsewhere
Tonsillectom y
Under age 12,
Up to $66
up to $35;
over age 12,
up to $ 60

Swift and Company
Meat Cutters;
Packinghouse Workers
(UPWA);
Packinghouse Workers
(NBPW)

$

10;

there­
after,
up to $3
per
day

February 1958
_____ Appendectomy ____
Up to $150
|Up to $ 150

Liggett and M yers
Tobacco Company
Tobacco Workers
February 1958

Individual co ver­ Maximum schedule allowance Hospital,
fl5 0
$150
a ge, $2,400;
office
husband and wife,
$3,200; fam ily,
Tonsillectom y
$4,000
Under age 19, Under age 19,
up to $35;
up to $35;
over age 19,
over age 19,
up to $40
up to $40

<M

Individual cover­
age, $2,400;
husband and wife,
$3,200; fam ily,
$4,000

(l)

Philip M orris, Inc.
Tobacco Workers
April 1958

(M

Individual co ver­
age, $2,400;
husband and wife,
$3,200; fam ily,
$4,000
(l )

_____ Appendectomy
Up to $75
b p to $ 75
(l )

Virginia Medical Service Association (Blue Shield plan); employees in other areas covered by different programs.




(M

<l)

(l )

(M

Individual co ver­ Maximum schedule allowance Hospital,
$ 150 "
age, $2,400;
office
husband and wife,
Tonsillectom y
$3,200; fam ily,
$4,000
Under age 19
Under age 19
up to $35;
up to $35;
over age 19,
over age 19,
to $40
up to $40

(l)

(*)

H

Appendectomy
Up to $ V5
Up to $ 75

(l)

1st 3
days, up
to $5
per day';
there­
after,
up to $3
per day

1st 3
days, up
to $5
per day
there­
after,
up to $3
per day

0)

$ 1 1 1 per year

(*>

1st day

1st day

(M

(l)

35 per
year

(l)

19
IN S U R A N C E

PLANS

MEDICAL - Continued

M ATERNITY PROVISIONS

Dependents

Hospi­ E ls e ­
tal
where

Maximum
compensation

1st
v is it,
up to
$ 10 ;
there­
after,
up to
$3 per
v is it

$217 per disability

1st
day,
up to
$ 10 ;
there­
after,
up to
$3 per
day

$2 17 per disability

1st 3
d ays,
up to
$5 per
day;
thereaf te r ,
up to
$3 per
day

Sick­
ness

1st day 1st day 1 per
day ; 70
per die.
ability

1st day 1 s t day

Accident
and
sickness

Daily
benefit Dura­
or
tion
service

(2 )

1 st day Lst
]
day

(2)

( 2)

Maximum
room and
board
allowance

Schedule
Extra
allowance Amounts
allowance Lurr.p
and
for
or
sum
normal limitations
services
delivery

Employee and dependent

Regular
benefits
for 6 weeks
70 dayf

F ull cost
of sp eci­
fied se rv­
ices

_

(l )

35 per 1 inyear
hospital
consulta­
tion allow­
(2 )
ance , up
to $10

—

Full cost
of speci­
fied se rv ­
ices

_

Sem iprivate
room

8 dayt

(2 )

(2 )

ls t di*1 §1st day
<2 >

(2)

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

35 per 1 inyear
hospital
consulta­
tion allow­
(2 )
ance, up
to $10
(2 )

Employee and dependent:
After 270 days
Up to $ 90

Employee and dependent;
After 10 months

Up to $ 75 Regular
benefits
if spec­
ialist's
services
are r e ­
quired
due to
grave
com pli­
cations

F ull cost
of sp eci­
fied s e r v ­
ices

( 2)

$ 1 1 1 per year

Employee and dependent:
After 9 months

Employee and dependent2

<2 )

ls t 3
d ay s,
up to
$5 per
day;
there­
after,
up to
$3 per
day

Benefits available to
newly insured

Employee and dependent

70 per
d isa­
bility

Sem i­ 70 days
private
room

M U per year

Surgical

Hospitalization
Maxi­
k a x imum
mum
Other
number number provisions
A c c i­ visits
days
paid
paid
dent
for
for

Benefits begin

Employee and dependent:
After 10 months

Employee and dependent2
8 days

Full cost
of sp eci­
fied s e rv ­
ices

_

Up to $75 Regular
benefits if
specialist's
services
are r e ­
quired due
to grave
com plica­
tions

No accident and sickness insurance benefit provided by plan; employees covered by paid sick-leave plan.
Virginia Hospital Service and Virginia Medical Service Associations (Blue C ross and Blue Shield plans); employees in other areas covered by ditterent programs.




20
SELECTED

COMPANY, UNION,
AND
D ATE OF INFORMATION

Dependents of rletired employee

Retired employee
Types and amounts
Life insurance

Meat Cutters;
Packinghouse Workers
(UPWA)

Employee and dependents

AND

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

OTHER BENEFITS 1

Armour and Company

H EALTH

With 20 years •
service:
F500

Accidental
death and
di smembe r ment

Hospitalization

Surgical

Medical

Life
insurance

Hospitali­
zation

_

__

__

__

__

___

—

—

—

—

—

(2)

(2>

(2)

—

—

—

__

__

__

Surgical

Medical

•__

__

—

—

—

(2)

(2)

(2)

—

—

—

__

__

_

Polio allowance.-— (in addition to other plan benefits
for expenses incurred within 3 years of contraction)
— up to $5,000

February 1958
Anesthesia allowance for cases in or out of
hospital— up to greater of 20 percent of benefit
payable for operation or $20; maximum— $60

Swift and Company
Meat Cutters;
Packinghouse Workers
(UPWA);
Packinghouse Workers
(NBPW)

Employee and dependents

—

Polio allowance.— (in addition to other plan benefits
for expenses incurred within 3 years of 1st treat­
ment)— up to $ 5,000

February 1958

Liggett and M yers
Tobacco Company
Tobacco Workers
February 1958

Philip M orris, Inc.
Tobacco Workers
April 1958

Employee and dependents

Amount in effect
immediately prior
to retirement
X - r a y s .— (incident to diagnosis and made during
reduced 10 per­
hospital stay or within 30 days before admission,
cent on date of
the initial one for accident cases not needing hos­
retirem ent and 10
pitalization, and deep therapy treatments if m edical percent annually
services provided)— up to $50 per year but not more thereafter to 50
than 50 percent of the schedule fee for each included percent of amount
X -r a y service rendered3
in effect before
initial reduction

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

Retiring at age
65:
Same as for active
employee at
age 65

__

1 Such benefits as X -ray , anesthesiafand electrocardiogram allowances may be provided under some plans, although not listed here.
EXPLAN ATORY NOTES.
2 Company makes available hospitalization, surgical, and m edical benefits on a contributory ba sis.
3 Virginia Medical Service Association (Blue Shield plan); employees in other areas covered by different program s.




__

Reasons for not listing such benefits are set forth in

21
IN S U R A N C E

PLANS

- Continued

FINANCING
Benefits for
employee

Benefits for em ployee's
dependents

Benefits for retired
employee

Benefits for dependents
of retired employee

Amount of contribution for—
Benefits for employee and dependents

Company
Jointly
only

X

X

X

Company
Employee Company
Employee
Jointly
Jointly
only
only
only
only

—

X

only

Employee
only

Employee

X

—

—

— '

X

—

_

_

X

__

__

_

_

X

X

X

X

—

—

—

_

—

—

—

F u ll cost

(l )

Employee

_

_

_

_

_

_

_

Dependents' benefits:
Full cost

E m ployee1s benefits:
F u ll cost

Employee maternity benefit (hospitalization and surgical) and dependents* benefits: Full c o s t - employee
and wife or husband (both employees)
with maternity benefits, for wife or
employee, if husband is enrolled
elsewhere in Blue C ross-B lue Shield
for self only, with maternity benefit,
$ 1.60 per month; wife or husband
(with maternity for wife)”Q£ wife or
husband and child or children under
19 years of age (with maternity for
wife), $4.60; child under 19 years
(no maternity), $2. 50

A ll benefits for
employee, except
maternity coverage
for hospitalization
and surgical:
F ull cost

Company

Full cost

—

n

a Company makes available hospitalization, surgical, and m edical benefits on a contributory basis.
Exce? t employee pays full cost of her m aternity, hospital, and surgical benefits.




Company

Benefits for retired employee
and dependents

Full cost

(M

(*)

Jointly

(M

_

F u ll cost

.

Full cost

22
SELECTED
ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
D ATE OF INFORMATION

LIFE INSURANCE

AND

AC C ID EN TA L DEATH AND DISMEMBERMENT

If permanently and totally disabled
New employees
become
eligible—

Before
age—

Insurance is

C ases
covered

Single
Multidismem­ dism em ­
berment berment

Graduated
according to—<

Maintained
Forstmann Woolen
Company*

H EALTH

$ 1,000

Nonoccupational

A fter 30 days 1
employment

$ 1,000

Immediately or
1st of following
month

Annual rate of earnings

$ 1, 000

Textile Workers (TWUA)
April 1958

Arm strong Cork Company
Rubber Workers
February 1958

Bigelow-Sanford Carpet
Company, Inc.

After 3 months'
employment

Installments

Insurance

L e s s than $601_________________________ $ 600
$601 to $9 0 1____________________________
1,000
$901 to $ 1 ,5 0 1 ____________________
$ 1,5 0 1 to $2, 1 0 1 ______________________
1,800
$ 2 ,10 1 to $ 2 ,7 0 1 ______________________
2,400
3,000
$2,70 1 to $ 3 ,3 0 1 ______________________
$3,301 to $ 3 ,9 0 1 ______________________
3, 600
$3,901 to $ 4 ,5 0 1 ______________________
4,200
$4,501 to $5, 1 0 1 __-____________________
4,800
$5, 101 to $ 5 ,7 0 1 ______________________
5,400
$5,70 1 to $ 6 ,3 0 1 ______________________
6,000
and up

1,200

Nonoccu- Men:
pational
Basic weekly

Men:
B asic weekly earnings
$1,250
1.500

L e ss than $3 6_______
$36 to $ 4 8 _________
$48 to $ 6 0 _________
$ 60 and o v e r _______

Textile Workers (TWUA)
April 1958

L e ss than $ 3 6 ___
$36 to $ 4 8 ______
$ 48 to $ 60 __— —
$ 6(J and o v e r ____

2 ,0 0 0

2.500

Women:
$ 1, 300
Cone M ills Corporation
Textile Workers (TWUA)

After 3 months'
employment




60

1,000
Spouse

April 1958
$500

Children
Attained age
14 days to 6 months
6 months to 2 years
2 years to 3 years
3 years to 4 years
4 years to 5 years
5 years to 19 years

$1,250

$1,300 $650

$1,300

1.500
2, 000
2.500

Women:

Employee

$

$1,250 > 625
750
1, 500
2, U0Q 1 , 0 0 0
2, 500 1,250

Insurance
____________________
____________________
____________________
--------------------------------------____________________
--------------------------------------

$ 100
200
250
300
400
500

23
IN S U R A N C E

PLANS

-

Continued

ACCIDENT AND SICKNESS

HOSPITALIZATION

Duration of benefits
Cases
covered

Amount

Except
Period

(M

(M

H

After
age—

Benefits limited
to---

~

—

(l )

(M

Extended
coverage

Benefits begin

Accident

Sickne ss

Daily
benefit
or
service

Maximum
room and
board
allowance

Duration
Days

uauy
amount

(M

Per
year

Per
disa­
bility

Em ergency
out-patient
care

Employee

—
H

Extra allowance
or service

Up to $ 14

120 days

—

$ 1, 680

—

Up to $ 140

—

X

Up to $ 140

—

X

Up to $ 120

__

X

Required services
provided

—

X

Up to $ 120

X

Up to $25

Dependents

Up to $12

Nonoccupational

Nonoccupational

Nonoccupational

2

j

Annual rate of
earnings

Weekly 26 weeks
benefit per d isability
Less than $ 1 ,5 0 1 _$20
$ 1,5 0 1 to $ 2 ,1 0 1 ...
25
$2 ,10 1 to $2,70 1 _
30
$2,70 1 to $3,301__
35
$3,301 to $3, 901 __
40
$3,901 to $4,501 __
45
$4,501 to $ 5 ,10 1 __
50
$ 5 ,10 1 to $5,70 1_ _
55
$5,70 1 and o v e r __
60

60

26 weeks during
any 12 consecutive months

8th day

13 weeks
per d is­
ability

13 weeks during
any 12 consecu­
tive months, if
due to sickness

8th day

$1,440

—

180 days

_

_

$1,800

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

Employee and dependents

8th day
31 days

8th day

—

—

$372

Up to $120

Employee and dependents

Up to $ 8

31 days

accident and sickness insurance benefit provided by plan; employees covered by the New Jersey State temporary disability law.
More liberal benefits available to employees paying the additional cost.
An additional 13 weeks is provided employees (with at least 1 yea r1s service) suffering from active cases of tuberculosis.




Up to $ 120

Employee and dependents 2

Up to $12

60

—

8th day
Up to $ 10

Basic weekly Weekly benefit 13 weeks
earnings
Men Women per disability
L e ss than $28 $14.00 $10.50
$28 to $36_17.50
13.00
(3)
$36 to $48_21.00
16.00
$48 to $60 __ 28.00 21.00
$60 and over
35.00 26.00

$ 15 per week

8th day

120 days

$248

Up to $ 80

See Appendix A.

24
SELECTED

F orstm a n n W oolen
C om pany *
T e x tile W o rk e rs (TW UA)
A p r il 1958

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

Employee

Operation schedule—
selected allowances
Covers
cases
Employee

Dependents

M axim um
sch ed u le
a llo w a n ce
$225

H ospital,
o f fi c e , h om e,
e ls e w h e r e

T o n s ille c t o m y
Up to $ 3 7 . 50
A p p en d ectom y
Up to $150

A r m s tr o n g C ork C om pany
R u bber W ork ers
F e b ru a r y 1958

M axim u m sch ed u le a llo w a n ce H o sp ita l,
$200
$200
o f fi c e , h om e,
e ls e w h e r e
T o n s ille c t o m y
Up to $40
Up to $40
Appende c tom y
Up to $ 12 5
Up to $125

B ig e lo w -S a n fo r d C a rp et
C om pany, In c.
T e x tile W ork ers (TW U A)

M axim um sch e d u le allo w a n ce H o s p ita l,
o f f i c e , h om e
$225
$225
e ls e w h e r e
T o n s ille c t o m y
Up to $ 3 7 .5 0
Up to $ 3 7 . 50

A p ril 1958
A p p e n d e cto m y
Up to $ 150
Up to $ 150

Cone M ills C orp ora tio n
T e x tile W ork ers (TW UA)
A p r il 1958




M axim u m sch ed u le allo w a n ce H o s p ita l,
$150
$150
o f f i c e , h om e,
e ls e w h e r e
T o n s ille c t o m y
Up to $2 5
Up to $2 5
A p p e n d e cto m y
Up to $ 100
|Up to $100

AND

MEDICAL

SURGICAL

COMPANY, UNION,
AND
D ATE OF INFORMATION

HEALTH

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

Benefits begin

Allowance

H

mS

= -

Maxi­
mum

number number

Office

H ospi­
tal

E lse­
where

compensation

Sickness Accident

visits
paid
fo r

days
paid
for

INSURANCE

PLANS

- Continued

M EDICAL - Continued

M ATERNITY PROVISIONS

Dependents

Hospitalization
Maxi­ Maximum
mum
Other
number numbei provisions
days
A c c i­ visits
paid
paid
dent
for
for

Benefits begin
Hospi­ E ls e ­
tal
where

Maximum
compensation

Sick­
ness

Accident
and
sickness

Daily
benefit Dura­
or
tion
service

Maximum
room and
board
allowance

$90

Surgical

Schedule
Extra
allowance Amount s
allowance Lump
for
and
or
sum
normal limitations
services
delive ry
Employee

Up to
$14

(M

Up to dif­
ference
between
total room
and board
charges
and $140

Up to $75

Benefits available to
newly insured

Employee and dependent:
Hospitalization— i f pregnancy
commences while insured
Em ployee:
Surgical— 4f pregnancy
commences while insured
Accident and sickness—
after 5 months

Dependent
Up to
$12

i1)

Regular
benefits
for 6
weeks

Up to dif­
ference
between
total room
and board
charges
and $140

Employee and dependent*
—

(s)

Up to $60

Employee and dependent

Employee and dependent:
Hospitalization and s u rg ic a lafter 9 months
Employee:
Accident and sickness—
immediately

Employee and dependent:
If pregnancy commences while
insured

Up to Up to
$120
$100

Regular
benefits
for 6
weeks

Total room and board charges plus charges for extra services limited to $140.
More liberal hospitalization benefits available to employees paying the additional cost.
Up to $127. 50.




Employ<ee and dependent:
After 6 months

Employee and dependent
Up to
$8

14
days

$112

Up to $80

Up to $50

26
SELECTED

H EALTH

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

OTHER B E N E F IT S 1
C O M P A N Y , UNION,
AND
DATE OF INFORMATION

Dependents of retired employee

Retired employee
Types and amounts
Life insurance

Accidental
death and
dismemDerment

Hospitalization

Surgical

M edical

Life
insurance

Hospitali­
zation

Surgical

F o rs tm a n n W oolen
C om pany *
T e x tile W o r k e r s (TW UA)
A p r il 1958

A r m s tr o n g C ork
C om pany
R u bber W ork ers
F e b ru a r y 1958

B ig e lo w -S a n fo r d C a rp et
C om pa n y, I n c .
T e x tile W o r k e r s (TW U A)

E m p lo y e e and dependent

Sam e life in su ra n ce
s c a le as f o r activ e
e m p lo y e e but
X - r a y and la b o r a t o r y exam in ation allow an ce (fo r
am ount b a s e d on
c a r e in d o c t o r 's o f fic e o r c lin ic )— up to $25 during annual re tir e m e n t
any 12 c o n s e c u tiv e m onths
in co m e w ith f o llo w ­
ing m in im u m s:
Age 55 to 65 with
15 y e a r s ' s e r v ic e ,
$ 1 ,0 0 0 ; age 65 o r
o v e r w ith 15 to 2 5
y e a r s ' s e r v ic e ,
$ 1 ,0 0 0 ; age 65 o r
o v e r with 25 o r
m ore y e a r s ' s e r v ­
i c e , $ 1 ,2 5 0

Insured 5 y e a r s im m e d ia te ly p r e c e d in g
re tir e m e n t:
R oom and b o a rd
a llo w a n ce o f $ 7 . 50
p e r day f o r 100 days
during re tir e m e n t,
f o r r e t ir e d e m p lo y e e
and dependent, plus
$ 150 fo r extra
s e r v ic e s

Sam e as
fo r r e ­
tired e m ­
ployee

50 p e r c e n t o f
am ount in e ffe c t
im m e d ia te ly p r io r
to r e tir e m e n t.

A p ril 1958

Cone M ills C orp o ra tio n
T e x tile W o rk e rs (TW UA)
A p ril 1958

Such b e n e fits as X - r a y , a n e sth e sia ,a n d e le c t r o c a r d io g r a m a llo w a n ce s m ay be p r o v id e d under s o m e plans, although not listed here.
E X P L A N A T O R Y N O T ES.




AND

Reasons for not listing such benefits are se t forth in

Medical

27
IN S U R A N C E

PLANS

- Continued

FINANCING
B en efits fo r
e m p loy ee

B e n e fits fo r e m p lo y e e 's
dependents

B e n e fits f o r r e t ir e d
em p lo ye e

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

Am ount o f con trib u tion
B e n e fits fo r e m p lo y e e and dependents

Com pany
J oin tly
only

X

Com pany
E m p lo y e e C om pany
E m p lo y e e Com pany
E m p loyee
Jointly
Jointly
Jointly
only
only
only
only
only
on ly

X

X

X

X

X

X




B e n e fits f o r r e t ir e d e m p lo y e e
and dependents
E m p loyee

C om pa n y

F u ll c o s t

X

X

C om pany

E m p lo y e e

fo r —

X

X

F u ll c o s t

F u ll c o s t

D epen den ts' b e n e fits :
L ife in s u ra n ce — $ 0 . 12 per w eek
O ther ben e fits— $>0.80 p e r w eek

E m p lo y e e 1 s b e n e fits :
F u ll c o s t
D epen den ts' b e n e fits :
B a lan ce o f c o s t

F u ll c o s t

F u ll c o s t

28
SELECTED
ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

LIFE INSURANCE

Amount
B efore
age—

Insurance is—
Maintained

F u r m an u factu rin g and
re ta ilin g in d u stry,
A s s o c ia t e d F u r M anu­
fa c tu r e r s , In c., and other
e m p lo y e r s (New Y o r k ,
N . Y .)

1st o f m onth f o l ­
low in g m onth in
w hich 13 w e e k s '
c o v e r e d e m p lo y ­
m en t is c o m p le te d

$ 1 ,0 0 0

M ea t C u tters ( F u r r ie r s
Join t C ou n cil o f
New Y ork )
Jan uary 1958

M illin e r y in d u stry,
E a s te r n W om en 1s H e a d w e a r A s s o c ia t io n , In c. ,
and o th e r e m p lo y e r s
(N ew Y o r k , N . Y . )
H a tte r s , Cap and
M illin e r y W ork e rs
A p r il 1958




$400
L ife in s u ra n ce :
U nion m e m b e rs h ip
and e ith e r c u m u ­
la tiv e m e m b e rs h ip
o f not le s s than 15
y e a r s with la s t 2
y e a r s co n se cu tiv t
and im m e d ia te ly
p r e c e d in g death o r
5 y ears* union
m e m b e r s h ip i m ­
m e d ia te ly p r e c e d ­
ing death
M atern ity ben e fits
U nion m e m b e r s h ip
and 3 y e a r s ' c o v ­
e r e d em p loym en t
O ther b e n e fits :
6 m o n th s ' union
m e m b e r s h ip and
c o v e r e d e m p lo y ­
m ent

AND

ACCIDENTAL DEATH AND DISMEMBERMENT

Amount

If permanently and totally disabled
New em ployees
becom e
eligible—

HEALTH

65

F o r 1 year

Cases
covered

Paid in—
Nonoccupational;
occupa­
tional

Graduated
according to—

MultiSingle
Death dism em ­ dism em ­
berment berment
$1,000 $500

$1,000

29
INSURANCE

PLANS

- Continued

HOSPITALIZATION

ACCIDENT AND SICKNESS

Duration of benefits
C ases
covered

Except

Amount
Period

Nonoccupational

Craftworkers and floorworkers only— $37.50 per
week

13 weeka
per d is­
ability

After
age—

Benefits limited

—

Accident

8th day

S ick n ess

Daily
benefit
or
s e r v ic e

Operators, cutters and
2 6 weeks
blockers— 1st 15 weeks,
per year
$35 per week; thereafter,
.$25 per week
Shipping clerk s, slickers,
and finishers— 1st 15 weeks,
$30 per week; thereafter,
$25 per week
Other crafts— 1st 15 weeks,
$27 per week; thereafter,
$25 per week




1st day

D ays

D aily
am ount

E x tra allow a n ce
o r s e r v ic e

Per
year

P er
disa­
bility

E m ergency
ou t-patien t
care

E m p loy ee and dependents
21 days

180

X

F u ll c o s t o f
s p e c ifie d s e r v ­
ic e s fo r 1st 21
d ays; 50 p e r c e n t
o f c o s t fo r a d d i­
tion al 180 days

50 p e r c e n t
of cost of
s e m ip riva te
room

E m p loy ee on ly

8th day
$5

*

M axim um
r o o m and
board
a llow an ce

D uration

8th day
Sem ip rivate
room

Nonoccupational

Extended
co v e r a g e

Benefits begin

31 days

$155

Up to $25

X

Up to $ 7 .2 5

30
SELECTED

Fur manufacturing and
retailing industry,
Associated Fur Manu­
facturers, Inc., and other
employers (New York,
N. Y .)

Employee

Operation schedule—
selected allowances

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

C overs
cases
Employee

Dependents

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

Home

Office

-------------------r--------------- P-------------- P--------------Provided by the Health Insurance Plan of Greater New Y o r k 1

------------------- 1
--------------- 1
--------------- U--------------

"1
-------- 1---------r --------- 3--------------------------J------- ~ T
Provided by the Health Insurance Plan of Greater New Y ork 1

—I_____I_____ i______1_______________ 1______ L
Optional plan B

“Provided
i---------3-------------------1-----------------crT
by Group Health Insurance, Inc.

H atters, Cap and
M illin ery Workers
A p ril 1958

1 See Appendix B.
* See Appendix C.




Maximum
schedule
allowance
T I 5 0 --------------------------

Tonsillectom y
'to f h ------

T ip

Appende c tomy
Up to $ 100

E ls e ­
where

Maximum
compensation

Optional plan A

Optional plan A

January 1958

M illinery industry, E a s t­
ern Women's Headwear
A s s o c ia t io n , In c. , and
other employers
(New York, N. Y .)

Hospi­
tal

M axiMaxi­
mum
mum
number number
visits
days
Sickness Accident
paid
paid
for
for
Benefits begin

Allowance

.Optional plan B
Meat Cutters (Furriers
Joint Council of
New York)

AND

M EDICAL

SURGICAL

COM PANY, UNION,
AND
D ATE OF INFORMATION

HEALTH

Hospital,
office, home',
elsewhere

1

i
i
t
r
Provided by Group Health Insurance, Inc. 2

31
IN S U R A N C E

PLANS

- Continued

M A T E R N ITY PROVISIONS

M ED ICAL - Continued

M a x iM a xi­
O ther
m um
m um
num
ber p r o v is io n s
num ber
A c c i ­ v is its
days
paid
dent
paid
fo r
fo r

B e n e fits begin
O ffic e

H o s p i­ E l s e ­
tal
w h ere

M axim um
co m p e n sa tio n

S u rgica l

Ho s p ita liza tio n

D ependents

S ick ­
n ess

O ptional plan A

A c c id e n t
and
s ick n e s s

D aily
b e n e fit D u ra ­
tion

M axim um
r o o m and
b oard
a llow a n ce

S chedule
E x tra
a llow an ce A m oun ts
allo w a n ce Lum p
and
fo r
sum
n orm a l lim ita tion s
s e r v ic e s
d e liv e r y

E m p lo ye e and dependent

------ r-----1— T-*"!-----r
1 ----- 3------ 1------ c------------------ 1
P r o v id e d b y the H ealth In surance Plan of G re a te r New Y o rk

Up to
$80

_J______l_____ I_____ I_________________I_____ 1_____ l______ !______l_

B e n e fits a v a ila b le to
new ly in s u r e d

E m p lo y e e and dependent;
A ft e r 10 m onths
O ptional plan A
P r o v id e d b y the
H ealth In surance
P lan o f G re a te r
New Y o r k 1

O ptional plan B

“ 3=----- ~ t ---------'------------------------------1----------1-------TTP r o vided b y G roup H ealth In su ran ce, Inc.

O ptional plan B
P r o v id e d b y G roup
H ealth In su ran ce,
I n c .*

E m p lo y e e o n ly

$75 m a te rn ity a llow an ce

1 See A p pendix B.
* See A p pendix C.




E m p lo y e e :
Im m ed ia tely

32
SELECTED

C O M P A N Y , UNION.
AND
D A TE O F INFORM ATION

R e tir e d e m p loyee
T y p e s and am ounts
L ife in su ran ce

M eat C u tters ( F u r r ie r s
Joint C ou n cil of
New Y ork)
January 1958

E m p loyee and dependents

$400

A c c id e n ta l
death and
d ism e m b e rm e n t

H o sp ita liza tio n

D ependents o f rtetired em p loy ee

S u rg ica l

Sam e as f o r a ctiv e
em p lo y e e

O ptional plan A

M ed ica l

L ife
in su ran ce

H os p ita li­
zation

S u rg ica l

Sam e as
f o r r e t ir e d
em p loy ee

P r o v id e d by the H ealth In su ran ce P lan o f
G re a te r New Y o r k 2
O ptional plan B
P r o v id e d by G rou p H ealth In su ra n ce , In c . 3

M illin e r y in d u stry ,
E m p lo y e e on ly
E a s te r n W om en* s H eadw e a r A s s o c ia t io n , In c. ,
X - r a y s , e le c t r o c a r d io g r a m s , and e ye exam inations
and oth er e m p lo y e r s
f o r n o n h o sp ita lize d c a s e s — without ch a r g e
(New Y o r k , N . Y .)
D eep X - r a y th e ra p y a llo w a n ce if in lie u o f s u r g e r y
— up to $ t 5
H a tte r s , Cap and
Shock treatm en t a llo w a n ce f o r fu ll c o u r s e o f t r e a t M illin e r y W o rk e rs
m ent— up to $75
A p r il 1958

1 Such b en e fits as X - r a y , an esth esia,an d e le c t r o c a r d io g r a m a llow an ces m ay be p ro v id e d under s o m e pla n s, although not lis t e d h e r e .
E X P L A N A T O R Y N OTES.
2 See A ppendix B .
3 See A ppendix C .




AND

EXTENSION O F BE N E FITS TO—
(m ust be at le a s t on group rate b a s is )

O TH ER B E N E F IT S 1

F u r m an u factu rin g and
re ta ilin g in d u s try ,
A s s o c ia t e d F u r M anu­
fa c tu r e r s , I n c . , and
oth er e m p lo y e r s
(New Y o rk , N. Y . )

HEALTH

R ea son s fo r not lis tin g such b en efits are s et forth in

M e d ica l

33
IN S U R A N C E

R L A N S - Continued

FINANCING
B en efits f o r
em p loy ee

B e n e fits fo r e m p lo y e e 's
dependents

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

A m ount o f con trib u tion
B e n e fits fo r e m p lo y e e and dependents

C om pany
Jointly
only

E m p lo y e e C om pany
C om pany
E m p lo y e e Com pany
E m p lo ye e
Jointly
Join tly
Jointly
only
only
only
only
only
only

X

X

X

X

n

X

F u ll c o s t

E m p lo y e e
D ep en d en ts' b e n e fits :
F u ll c o s t

C om pany

B e n e fits f o r r e t ir e d e m p lo y e e
and depen dents
E m p loy ee

E m p l o y e e 's b e n e fits : D ep en d en ts' b e n e fits :
F u ll c o s t — 1 p e r c e n t F u ll c o s t
o f s tr a ig h t-tim e
p a y r o ll

—2

percen t
o f w eek ly p a y r o ll 2

Firumcecl out o f co m p a n y co n trib u tio n s fo r b e n e fits f o r activ e e m p lo y e e ; see com p an y con trib u tion co lu m n f o r b e n e fits fo r e m p lo y e e and dependents
E ffe c tiv e January 1959, e m p lo y e r* s con trib u tion w ill be 3 p e r c e n t o f payroll*




fo r —

C om pa n y
E m p lo y e e 1s
b e n e fits :
F u ll c o s t 1

34
SELECTED
E L IG IBIL IT Y
REQU IREM EN TS
C O M PA N Y , UNION,
AND
D A T E O F INFORM ATION

L IF E INSURANCE

C lothing W o r k e r s
N ational plan
F e b ru a r y 1958

If permanently and totally disabled
N ew e m p lo y e e s
becom e
e lig ib le —

B efore
age-

$500
A c c id e n t and
s ick n e s s b e n e fits:
A fte r 4 s u c c e s s iv e
w eek s' cov ered
em ploym en t

insurance i »

Cases
covered

Single
Multi­
dism em ­ dism em ­
berment berment

Graduated
according to—

A t any
age

F or 1 year

O ther b e n e fits;
A fte r 6 s u c c e s s iv e
m o n th s ' c o v e r e d
em p lo ym e n t,
m in im u m — 500
h o u r s ' e m p lo y ­
m ent in p r e c e d in g
12 m onths

U nion m e m b e r s h ip
D r e s s in d u stry , A ffilia te d L ife in su ra n ce ;
y e a r 1s union
D r e s s M a n u fa ctu re rs ,
1 y e a r to '2 -y e a rs .
I n c . , and other e m p lo y e r s m e m b e rsh ip
2 y e a r s and o v e r _
(New Y o r k , N . Y .)
M aternity b e n e fits :
L a d ie s ' G arm en t W o rk e rs 15 m o n th s ' union
m em be r ship
(New Y o r k D re s s
Joint B oa rd )
H o sp ita liz a tio n ,
s u r g i c a l, and
F e b ru a r y 1958
m e d ic a l b e n e fits :
6 m o n th s ' union
m e m b e r s h ip

L u m b er in d u stry,
v a r io u s e m p lo y e r s
(Southern C a lifo rn ia )

1st o f m onth f o l ­
low ing 80 h o u r s '
e m p loym en t

$

1, 000

C a rp en ters

$

500

1,000
(l )

60
A fte r
age 60

F o r 1 year

N onoccupational;
occu p apational

$ 1,000

$500

January 1958

A v a ila b le o n ly to those b e co m in g union m e m b e r s p r i o r to age




AND

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

Maintained
C lothing in d u s try , m e n 1s
and b o y s * , v a rio u s
e m p lo y e r s

H EALTH

55. Individuals joining union after age 55 a re entittod to benefit of $100 fox each year o f na.tnber.bip, ™ » m u ~ - $ 1 .0 0 0 .

$ 1,000

35
IN S U R A N C E

PLANS

- Continued

ACCID EN T AND SICKNESS

H O SP ITAL IZAT IO N

D uratidn o f b e n e fits
C a ses
covered

Am ount

E x cep t
P e r io d

Nonpccupa-

A fte r
age—

B en efits lim ite d
to—

A c c i­
dent:
13 w eeks
p er year

$2 7 p e r w eek

tion al

E xtended
coverage

B e n e fits begin

A ccid e n t

7th day
retro­
a c tiv e
to 1st

S ick n e ss

14th day
retro­
a c tiv e
to 8th

D aily
benefit
or
s e r v ic e

D ays

Up to $14

A c cid e n t:
60 days

A ccid e n t:
f8 4 0

S ic k n e s s :
60 days

S ick n e s s :
$840

Nonoccupa (?)

(*)

(*)

(*)

n

D aily
am ount

E x tra a llow an ce
o r s e r v ic e

Per
year

P er
d is a ­
b ility

(l )

(*)

Up to $50

E m p lo ye e (oth er than L o c a l 60 p r e s s e r ) and dependents
(*)
S e m i­
p riva te
room

21 days

180

50 p e r c e n t
o f cost of
s e m i­
p riv a te
ro o m

F u ll c o s t s p e c i ­
fie d s e r v ic e s fo r
1st 21 da ys; 50
percen t o f cost
f o r additional
180 days

X

E m p loyee (L o c a l 60 p r e s s e r ) only
$15

75 days

$ 1 ,1 2 5

Up to $30

E m p lo y e e and dependents
( 3)

*
3

(3 )

(3)

(3)

n

c3)

(

5 * * iC
h ? V d aUowmnce UP to • ttpol*ted m a x i m u m s p e r y e a r ; e x tra a llo w a n ce o f up to $50 p e r d is a b ility .
a c c f « en*
* ick n e s s in su ra n ce 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 Jthe N ew Y o r k S tate te m p o r a r y d is a b ility la
N o . c e d e n t and . i c k n . . . in .u r a n c e b e n . f i , p ro v id e d b y plan; e m p l o y . . . c o v e r e d b y the C a lifo rn ia State te m p o r a r y d is a b ility la,




E m ergen cy
out-patien t
care

E m p loy ee and dependents

S ic k ­
ness:
13 w eeks
p er year

tion al

M axim um
r o o m and
b oard
a llow a n ce

D uration

See A p pendix A .
See A ppendix A :

X

Up to $ 7 .2 5

36
SELECTED

Up ter schedule
allow an ce
a c c e p te d a s fu ll
paym ent if annual
in c o m e i s under—

C ov ers
cases
D ependents

Up to sch edu le
a llow an ce
a cce p te d a s fu ll
paym ent i f annual
in co m e i s under—

C lothing W ork ers
N ational plan

H om e

E m p lo y e e (oth er than L o c a l 60 p r e s s e r ) and dependents

E m ployee (oth er than L o c a l 60 p r e s s e r )
O ptional plan A

O ptional plan A

P ro v id e d b y H ealth In surance P lan o f G re a te r New Y o r k 2

P ro v id e d by H ealth Insurance Plan o f G re a te r New Y o r k *

L a d ie s ' G arm en t W o rk e rs
(New Y o r k D re s s
Joint B oa rd )
Individual c o v e r ­
age, $ 2 ,5 0 0 ;
F e b ru a r y 1958
fa m ily , $ 4 ,0 0 0

Optional plan B
M axim um s chedule allow an ce
T300

O ptional plan B
H ospital,
o ffic e

Individual c o v e r ­
a ge, $ 2 ,5 0 0 ;
fa m ily , $ 4 ,0 0 0

T o n sille c to m y
Up to $ 78
Up to $ 78

Up to $ 5 1st v is it
p e r v is it up to $4;
th e r e ­
a fte r,
up to $ 3
p e r v is it

Appende ctom y
Up to $ 150
Up to $ 150
E m p loyee (L o c a l 60 p r e s s e r ) and dependents
M axim um
sch edu le
a llow an ce
$250

H ospital,
o ffic e

T o n sille c to m y
Up to $50

January 1958

M axim u m schedule allo w a n ce H osp ital,
$300
$300
o f fi c e , h o m e ,
e ls e w h e r e
T o n sil1e cto m y
Up to $ 5 2 .5 0
Up to $ 5 2 .5 0

1st 21
d a y s , up
to $5
per
v isit;
th e re ­
a fte r, up
to
$17. 50
per
w eek

1st v is it H om e
and
o ffic e :
Un­
lim ited

H om e and o ffic e :
U nlim ited
H osp ita l:
$565 p er d isa b ility

H os­
pital:
201 p e r
d is a ­
b ility

Ho s pi tat
1st 2
d ays, 2
p e r day;
th e r e ­
a fte r, 1
p e r day

E m p loyee (L o c a l 60 p r e s s e r )
$3 p e r
v is it

1st 21
d a y s ,$ 5
per
v is it;
th e r e ­
a fte r, $ 2
p e r v is it

(3 >

App end e^ctom y

C a rp en ters

E ls e ­
w h ere

M axim um
com p en sa tion

Appende c to m y
Up to $125
Up to $125

F e b ru a ry 1958

L u m b er in d u stry, v a r io u s
e m p lo y e r s (Southern
C a liforn ia )

H o s p i­
tal

O ffic e

M a x iM a xim um
m um
num ber num ber
v is its
days
S ick n ess A ccid en t
pa id
pa id
fo r
fo r
B en efits begin

A llo w a n ce

P r o v id e d b y the A m a lg a m a te d C lothing W o r k e r s ' H ealth C en ters 1

M axim um sch ed u le a llow an ce H o sp ita l,
$250
o f fic e , h o m e ,
$250
e ls e w h e re
T o n sille c to m y
Up to $3 7. 50
Up to $3 7.50

Clothing in d u s try , m e n 1
and b o y s ' , va rio u s
e m p lo y e r s

D re s s in du stry, A ffilia te d
D re s s M an u factu rers,
Inc. , and other
em p lo y e r s
(New Y ork , N. Y. )

E m p loy ee

O peration schedule—
s e le c t e d a llo w a n ce s

E m p lo ye e

AND

M ED ICAL

SU RG ICA L

C O M PA N Y , UNION,
AND
D A T E OF INFORM ATION

HEALTH

Un­
lim ited

Un­
lim ited

C a re b y lic e n s e d p h y s icia n o r su rg eon
Up to
$ 6 per
v is it

Up to
$4 per
v is it

Up to
$5 p e r
v is it

$300 p e r 6-m onth
p e r io d

A ppendectom y
Up to $150
Up to $150

H om e
and
o ffic e :
3d day

1st day

1 per
day

Hospital:
1st day
C a re b y c h ir o p r a c t e r o r C h ristia n S c ie n c e p r a c titio n e r
Up to $ 4 Up to $4 Up to $4
p e r v is it p e r v is it p e r v is it

$60 p e r 6 -m on th
p e r io d

H om e
and
o ffic e :
3d day

1st day

1 per
day

H ospital:
1st day

ch a rge
pendent
3 U nlim ited dia g n o stic s e r v ic e s and treatm en t f o r am b u la tory c a s e s p ro v id e d at Union H ealth C e n te r.




W h ere s e r v ic e s

o f ou tside s p e c ia lis t is r e q u ir e d , $15 p e r v is it is paid f o r 1 v is it p e r illn e s s .

37
INSURANCE

PLANS

Continued,

M ED ICAL - Continued

M A T E R N ITY PROVISIONS

D ependents

H o s p i­ E l s e ­
w h ere
tal

M axim um
co m p e n sa tio n

S u rgica l

H osp ita liza tion
M a xiM axim um
O ther
m um
num ber num ber p r o v is io n s
A c c i ­ v is its
days
paid
dent
paid
fo r
fo r

B e n e fits be g in
S ick ­
ness

A ccid e n t
and
s ick n e s s

M axim um
r o o m and
board
a llow an ce

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

See m e d ica l b e n e fits fo r e m p lo y e e s

M ed ica l

Schedule
E xtra
a llow a n ce A m ounts
a llow an ce Lump
and
fo r
or
sum
n orm a l lim itation s
s e r v ic e s
d e liv e ry

B en efits av a ila b le to
new ly in su red

e and dependent;
E m ploye!________
A fte r o m onths

E m p lo y e e and dependent

$50

D ependents o f e m p lo y e e (oth er than L o c a l 60 p r e s s e r )

E m p lo y e e :
Im m ed ia tely

E m p loyee only

O ptional plan A

1

I

I

~

$150 m a te rn ity allo w a n ce

P r o v id e d b y H ealth Insurance P lan o f G re a te r New Y o r k 1
O ptional plan B
Up to
$5 p e r
v is it

1st
v is it,
up to
$4;
th ere­
a fte r,
up to
$3 p e r
v is it

1st 21
days,
up to
$5per
v is it;
th ere­
a fte r ,
up to
$17 .50
per
w eek

H om e and o f fi c e ;
U nlim ited

1st
v is it

1 st
v is it

H o sp ita l: $565 p e r
d is a b ility

H om e
and
o ffic e :
U n­
lim ited

H os­
p ita l:
201 p e r
d is a ­
b ility

H os­
p ita l:
Tst~2
d a y s ,2
per
day;
th e r e ­
a fte r,
1 per
day

1 in -h o s ­
p ital c o n ­
sultation
a llo w a n ce
p e r d is a ­
b ility , up
to $10

D ependents o f e m p lo y e e (L o c a l 60 p r e s s e r )
—

—

—

—

—

—

—

___

___

( 2)

(2)

( 2)

(2)

(2)

<2 )

(2)

( 2)

( 2)

( 2)

C a re b y lic e n s e d p h y s icia n o r su rg e o n

__

Up to
$5 p e r
v is it

__

$250 p e r 6-m onth
p e r io d

1st day 1st day 1 p e r
day; 50
p e r 6m onth
p e r io d

—

—

__

Up to
$4per
v is it

_

$60 p e r 6-m on th
p e rio d

1st day 1st day 15 p e r
6m onth
p e r io d

See A ppendix B.
Union H ealth C en ter s e r v ic e s a r e av a ila b le to dependents at m o d e ra te fe e s .




—

Up to
Up to $75
$100

—

—

D ependent
I

C a re b y c h ir o p r a c t o r o r C h ristia n S c ie n c e p r a c titio n e r

E m p loy ee and dependent:
Im m ed ia tely

E m ployee

!

|
1
1
!1
Up to $101D m aternity allow ance

r

1

38
SELECTED

AND

EXTENSIO N O F B E N E FITS TO —
(m ust be at le a s t on group rate b a s is )

O TH ER B E N E F IT S 1
C O M PA N Y , UNION,
AN D
D A TE OF IN FORM ATIO N

D ependents o f r e t ir e d e m p loy ee

R e t ir e d e m p lo y e e
T y p e s and am ounts
L ife in su ra n ce

C lothing in d u s try , m e n 's
an d b o y s ' , va rio u s
e m p lo y e r s

HEALTH

$ 500

A c c id e n ta l
death and
d ism e m b e rm e n t

H osp ita liza tio n

S u rg ica l

(*)

(*)

M ed ica l

L ife
in su ran ce

H o s p ita li­
zation

S u r g ic a l

(*)

(*)

—

—

M e d ica l

C lothing W o rk e rs
N ational plan
F e b ru a r y 1958
D r e s s in du stry, A ffilia te d E m p lo y e e (o th e r than L o c a l 60 p r e s s e r ) and dependents $500
D r e s s M a n u fa ctu re rs,
O ptional plan A
I n c . , and oth er
e m p lo y e r s
P r o v id e d by H ealth In su ran ce P la n o f G re a te r New
(New Y o r k , N. Y . )
Y o r k , 3 plus a n e s th e s ia allow an ce—20 p e r c e n t o f s u r ­
L a d ie s ' G arm en t W o r k e r s g ic a l s ch e d u le ; m in im u m —$18
E m p lo y e e o n ly ; E y e g la s s a llow an ce—1 pair per y e a r
(New Y o r k D re s s
Joint B o a rd )
O ptional plan B

P r o v id e d
at U nion
H ealth
C en ter 5

—

F e b ru a r y 1958
A n e s th e sia a llo w a n ce — 20 p e r c e n t o f s u r g ic a l
s c h e d u le ; m in im u m — $18
E m p lo y e e o n ly : E ye g la s s a llo w a n ce — 1 p a ir p e r
year
E m p lo y e e (L o c a l 60 p r e s s e r only)
E y e g la s s a llo w a n ce — 1 p air per y e a r
B lo o d tra n s fu s io n a llo w a n ce — $35 p e r pint; lim ite d
to 2 p e r illn e s s
V is itin g n u rse s e r v ic e — $ 3 .5 0 p e r v is it ; u n lim ited
n u m ber o f v is it s p e r d is a b ility
A m b u la n ce s e r v ic e allo w a n ce — $20
C o n v a le sc e n c e a fte r m a jo r s u r g e r y o r m a jo r
h o s p ita liz e d illn e s s a llow a n ce—- $ 5 p e r day, fo r
m a x im u m o f 14 days
M e d icin e allo w a n ce — F r e e drugs p r o v id e d through
U nion H ealth C en ter
L u m b er in d u stry,
va riou s e m p lo y e r s
(Southern C a lifo rn ia )
C a rp en ters
Jan uary 1958

L a b o r a t o r y and X - r a y exam in ation a llo w a n ce f o r
n o n h o sp lta lize d c a s e s :
E m p lo y e e and dependents— up to $25 f o r any one
a c c id e n t o r f o r a ll s ic k n e s s in any one 6-m onth
p e r io d
A d d ition al a c c id e n t exp e n se a llo w a n c e :
(F o r e x p e n s e s in e x c e s s o f th ose c o v e r e d b y other
plan b e n e fits in c u r r e d w ithin 6 m onths a fte r date o f
a ccid e n t)
E m p lo y e e — up to $300
Dependents-— up to $150
P o lio 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 ithin 3 y e a r s fr o m date o f
fir s t tre a tm e n t. If u se d , n o o th e r plan b e n e fit
a v a ila b le )
E m p lo y e e and depen dents— up to $ 2 , 500

1 Such b e n e fits as X - r a y , a n e s t h e s ia , and e le c t r o c a r d io g r a m a llo w a n c e s m a y be p ro v id e d under so m e p la n s, although not lis te d h e r e . R ea son s f o r not lis tin g su ch b en efits a r e s e t fo r t h in
E X P L A N A T O R Y N OTES.
a H o s p ita liz a tio n and s u r g ic a l b e n e fits p r o v id e d a c tiv e e m p lo y e e and dependents extended to r e t ir e d e m p lo y e e and dependents f o r 1 y e a r fr o m date o f la s t em p loy m en t b e fo r e r e tir e m e n t.
3 See A p p en d ix B.
4 R e tir e d e m p lo y e e m a y m ain tain ad d ition a l $500 in s u ra n ce at his own e x p e n s e .
* R e tire d e m p lo y e e a ls o e lig ib le f o r ey e g la s s a llo w a n c e .
4 R e tir e d e m p lo y e e m a y obtain m e d ic a l b e n e fits f o r dependents b y p aying m o d e r a te fe e s to the U nion H ealth C e n te r.




—
( 6)

39
IN S U R A N C E

PLANS

- Continued

FINANCING
B en efits f o r
e m p loy ee

B e n e fits fo r e m p lo y e e 's
depen dents

B e n e fits f o r r e t ir e d
em p lo ye e

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

A m ount o f con trib u tion
B e n e fits f o r e m p lo y e e and dependents

C om pany
Join tly
only

X

E m p lo y e e C om pany
E m p lo y e e C om pany
C om pany
E m p lo y e e
Join tly
Join tly
Jointly
only
only
only
only
only
on ly

X

X

X

X

(*)

E m p lo y e e

X

X
(*)

C om pany

F u ll c o s t— 2 . 6 p e r ­
cent o f w eek ly
p a y r o ll

D epen den ts' b e n e fits :
F u ll c o s t

E m p lo y e e 's b e n e fits :
F u ll c o s t — 5 p e r c e n t
o f p a y ro ll
(l )

X

X

1 Inclu des co n trib u tio n f o r va ca tio n s w h ich a r e paid to e m p lo y e e s out o f health and w e lfa r e fund.
m on th ly d u es) to D eath B en efit Fund.
* P aid f o r out o f the p e n sio n fund w h ich is e m p lo y e r -fin a n c e d .
S ee com pan y con trib u tion colu m n f o r b e n e fits f o r e m p lo y e e and dependents.




fo r —
B e n e fits f o r r e t ir e d e m p lo y e e
and depen dents
E m p loy ee

C om pa n y
F u ll c o s t

L ife in s u r a n c e :
F u ll c o s t

*

M e d ica l b e n e fits :
F u ll c o s t 3

F u ll c o s t — $ 10 p e r
m onth f o r e a c h e m ­
p lo y e e w ork in g o r
paid f o r 80 s tr a ig h ttim e h ou rs

A ls o c o v e r s c o s t o f m e d ic a l b e n e fits f o r r e tir e d e m p lo y e e .

M e m b e r s pav $1 p e r v e a r (included in

1

40
SELECTED
ELIG IB IL IT Y
REQUIREM ENTS
CO M PA N Y , UNION,
AND
D ATE OF INFORM ATION

Amount

If permanently and totally disabled
Amount
B efore
age—

Insurance is—
Maintained

L u m b er in d u stry, v a rio u s
e m p lo y e rs. (O regon ,
W ashington, C a lifo rn ia ,
Idaho, and M ontana)

Im m e d ia te ly o r
1st o f fo llo w in g
m onth

AND

ACCIDENTAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

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

HEALTH

$ 4 ,0 0 0

60

$ 3 ,0 0 0

60 and
in su re d
1 year

C ase.
covered

Paid in—

X

Graduated
according to—

Single
MultiDeath dism em ­ dism em ­
berment berment

N onoccupational;
occupa­
tional

$3,000 $1,500

$3,000

N onoccupational;
occupa­
tional

$2,000 $1,000

$2,000

W ood w ork ers
January 1958

A m e r ic a n Seating Com pany 1st o f m onth
fo llo w in g 13
(G rand R a p id s , M ic h .)
w eeks 1 e m p lo y ­
A u tom ob ile W ork ers
m ent

Installment.

A p r il 1958

A fte r 30 d a y s '
em p lo y m e n t

$ 1 ,0 0 0

60

X

N onoccupational;
occupa­
tional

$1,000 $500

$1,000

F u rn itu re in d u stry , v a r io u s A fte r 30 d a y s '
e m p lo y e r s
e m p loym en t

$ 1 ,5 0 0

60

X

N onoccupational;
occupa­
tional

$1,500 $750

$1,500

F u rn itu re M an u factu rers
in Southern C a lifo rn ia ,
In du strial R ela tio n s
C ou n cil of
C a rp en ters
A p r il 1958

F u rn itu re W ork ers
N ational p la n 1
January 1958

B en efits under this p r o g r a m v a r y som ew hat in d iffe r e n t p a rts o f the co u n try , due p r im a r ily to varying amount, o f em ployer contribution, and to utilization o f loca l ho.p ital p ro g ra m ..
d e s c r ib e d a r e th ose p r o v id e d in the N ew Y o rk C ity a r e a .




B enefit.

41
IN S U R A N C E

PLANS

- Continued

ACCID EN T AND SICKNESS

H O SPITALIZATIO N

D uration o f b e n e fits
C ase 8
covered

Am ount

E x cep t
P e r io d

N on occu p a tion al

$40 p e r w eek —
M axim u m — 70 p e r c e n t o f
weeKJLy w age

26 w eeks
p e r d is a b ility

A fte r
age—

B e n e fits lim ited

—

—

E xtended
coverage

B e n e fits begin

A c c id e n t

1st day

Sickne s s

D aily
benefit
or
s e r v ic e

M axim um
r o o m and
b oard
a llow a n ce

D uration
D ays

D aily
am ount

4th day

E x tra a llow a n ce
o r s e r v ic e

Per
y ea r

Per
d is a ­
b ility

E m ergen cy
out-patien t

E m p loy ee

Up to $ 10

180 days

—

$ 1 ,8 0 0

—

Up to $ 500

—

X

—

—

X

—

D ependents
Up to $10

N o n o ccu p a tion al

2 6 w eeks
per d is ab ility

$42 p e r w eek

—

—

1st day

—

—

~

—

(M

(M

(M

(M

(M

—

—

$ 1 ,8 0 0

—

F u ll c o s t o f
s p e c ifie d s e r v ­
ic e s

120 days

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 loy ee

—
(M

Up to $200

E m p loy ee and dependents

8th day
S em iprivate
room

—

180 days

Up to $18 2 20 days

11

Up to $16

$536

Up to $ 3 6 0 , plus
75 p ercen t of
next $ 1 ,0 0 0 of
ch a rg es

—

X

—

D ependents
Up to $ 14

N o n o c cu p a tion al

B a s e w e e k ly
ea rn in gs
$30
$35
$50
$55
$ 60
$6 5
$70

W eek ly 2 6 w eekt
b e n e fit p e r year

tn $35
to $50 _ _ ___
to $55 ________
to $60
to $ 65
_ _
to $70
and o v e r

$ 2 1 .0 0
2 4 .0 0
2 7 .0 0
2 7 .5 0
3 0 .0 0
3 2 .5 0
3 5 .0 0

—

1st day

$434

31 days

E m p loy ee and dependents

8th day
Sem i private
ro o m

21 days

180

50 p e r c e n t
o f c o s t of
s e m i-p r i­
vate r o o m

(3)

1 No a ccid e n t and s ick n e s s b e n e fit p ro v id e d by plan; e m p lo y e e s c o v e r e d by the C a lifo rn ia State te m p o r a r y d is a b ility la w . See A ppendix A .
* Inclu des am ount payable tinder C a lifo r n ia State te m p o r a r y d is a b ility law ($ 1 2 a day fo r 20 d a y s ).
E m p loy ee s earn in g le s s than $30 w eek ly r e c e iv e b e n e fits r e q u ir e d b y N ew Y o r k S tate te m p o r a r y d is a b ility la w . S ee A p pen dix A .




X

Up to $2 8 0 , plus
75 p e r c e n t o f
next $ 1 ,000 o f
c h a rg es

F u ll c o s t o f
s p e c ifie d s e r v ­
i c e s f o r 1st 21
d ays; 50 p e r c e n t
o f c o s t f o r a d d i­
tion al 180 days

_

X

Up to $15

42
SELECTED

H EALTH

AND

MEDICAL

C O M PA N Y , UNION,
AND
D A T E O F INFORM ATION

Up to sch edu le
allo w a n ce
a c c e p te d a s fu ll
paym ent i f annual
in c o m e i s under—

Employee

O p era tion schedule—
s e le c t e d a llo w a n ce s
C ov ers
cases
E m p lo y e e

D ependents

L u m b e r in d u stry,
v a r io u s e m p lo y e r s
(O reg on , W ashington,
C a lifo rn ia , Idaho, and
M ontana)

M axim u m sch ed u le a llo w a n ce H o sp ita l,
$300
$300
o ffic e , h om e,
e ls e w h e r e
T o n s ille c t o m y
Up to $ 50
Up to $50

W ood w ork ers

A p p e n d e cto m y
Up to $150
Up to $ 150

January 1958

A m e r ic a n Seating C om pany S ingle e m p lo y e e ,
$ 3 ,7 5 0 ; fa m ily ,
(G rand R a p id s , M ic h .)
$ 5 ,0 0 0 1
A u tom ob ile W ork e rs

M axim u m s ch e d u le allo w a n ce H o sp ita l,
T 30C
$300
o ffic e
T o n s ille c t o m y
Up to $ 4 2 .5 0
Up to $ 4 2 .5 0

A p ril 1958
A p p e n d e cto m y
Up to $ 12 5
Up to $ 12 5

F u rn itu re M a n u fa ctu re rs
in Southern C a lifo rn ia ,
In du strial R ela tio n s
C ou n cil o f

M axim u m sch ed u le allo w a n ce H o s p ita l,
$300
$ 22 5
o f fi c e , h o m e ,
e ls e w h e r e
T o n s ille c t o m y
Up to $50
Up to $37750

Up to sch edu le
a llow an ce
a c c e p te d a s fu ll
paym ent i f annual
in c o m e i s under—

Benefits begin

Allowance
O ffice

H ospi­
tal

E ls e ­
where

Maximum
compensation

Up to $ 5 Up to $ 3 Up to $ 3 Up to $ 5 $250 p e r d is a b ility
p e r v is it p e r v is it p e r v is it p er v is it

Single e m p lo y e e ,
$ 3 , 750; fa m ily ,

$5,000*

Up to $ 5 Up to $3 1st day,
p e r visit p e r v is il 1 2 .5 0 ;
2d
through
4th
day, $5
p e r day
th e re ­
a ft e r , $4
p e r day

H om e and o f f i c e :
25 p e r d is a b ility
H osp ita l:
$ 4 9 1 .5 0 p e r d is a b ility

m s=r

t b s =-

number number
days
visits
Sickness Accident
paid
paid
for
for
1 per
day

H om e
and
and
o ffic e :
o ffic e :
4th v is it l s t v i s i t
1st day

Home
and
o f fi c e :
1 per
day

H osp ital:
120 per

diaability

1st day

Up to $3 Up to
Up to
$ 2 2 5 p e r d is a b ility
Up to
$ 4 .5 0
$ 4 .5 0
p e r v is it $ 4 . 50
p e r v is it per v is it
p e r v is it

1 per
day

C a rp en ters
A p ril 1958

F u rn itu re in d u stry,
v a r io u s e m p lo y e r s
F u rn itu re W ork ers
N ational plan 2
January 1958

A p p e n d e cto m y
Up to $200
Up to $15 0

M axim u m sch e d u le a llo w a n ce H o sp ita l,
$250
$200
o ffic e , h om e,
e ls e w h e r e
T o n s ille c t o m y
Up to $4 5
Up to $30

Up to $3 Up to $2 Up to $3
p e r v is it p e r*v is it p e r v is it

$15 0 p e r d is a b ility

8th day
retro­
a c tiv e
to 1st

1st day

A p p e n d e cto m y
Up to $ 150
Up to $ 100

1 T otal fa m ily in co m e a v e ra y e d o v e r 3 y e a r s .
2 B en efits under this p r o g r a m v a r y in iffe r e n t parts o f the co u n try , due p r im a r ily to v a ryin g am ounts o f e m p loyer contribu tions and to u tiliz a tion o f lo c a l h o s p ita l p r o g r a m s .
those p ro v id e d in the New Y o rk C ity a r e a .




B en efits d e s c r ib e d are

43
INSURANCE

PLANS

M ED ICAL - Continued

M AT E R N ITY PROVISIONS

D ependents

O ffic e

H o s p i­ E l s e ­
tal
w here

M axim um
com p e n sa tio n

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

$ 540 p e r d is a b ility

1st day,
$12.50;
2d
through
4th
day,
$5 per
day;
th e re ­
a fte r,
$4 per
day

$ 4 9 1 .5 0 p e r
d isa b ility

S u rgical

H osp italization
M a x i­
B en efits begin M a x i­
m um
m um
Other
num ber numbe:r p r o v is io n s
S ick ­ A c c i ­ v isits
days
n e ss
dent
paid
paid
fo r
fo r
1st day 1st day

A ccid e n t
and
s ick n e ss

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

M axim um
r o o m and
board
allow an ce

Schedule
E xtra
a llow an ce A m ounts
a llow an ce L u m p
and
fo r
or
sum
n orm a l lim ita tion s
s e r v ic e s
d e liv e ry

E m p loy ee and depen dent:
If p reg n a n cy c o m m e n c e s w hile
in su red

E m p lo ye e and dependent

180
per
d is a ­
b ility

—

—

—

(M

B en efits av a ila b le to
new ly in su red

Up to $75
(M

1st day 1st day

120
per
d is a ­
b ility

R eg Vila r
b en efits
f o r 6 w eeks

E m p loy ee and depen dent:
H osp ita liza tion and s u r g i c a la fter 9 m onths
E m p lo y e e :
A c c id e n t and s ick n e s s —
im m ed ia tely

E m p lo y e e and dependent
S e m i- 120
p riva te days
room

_

_

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

Up to
$70

E m p loy ee and dependent:
If p reg n a n cy c o m m e n ce s w hile
insured

E m p lo yee
Up to
$10

14
days

$140

Up to $100

Up to $ 10C

D ependent

------------ !------------1------- 1----Up to $100 m a te rn ity a llow an ce

E m p lo ye e

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

E m p lo yee

—

—

—

—

Up to Up to $85
$100

E m p lo y e e :
A c c id e n t and s ic k n e s s — if p r e g ­
n an cy c o m m e n c e s w hile in s u re d

D ependent

?

o
o
&,-<
1

T ota l allo w a n ce f o r h o sp ita liz a tio n and s u r g ic a l b e n e fits lim ite d to $10 0.




—

E m p loy ee and depen dent:
H osp ita liza tion — im m e d ia tely
S u rg ica l— if p r e g n a n cy c o m m e n ce s
w hile in su red

Up to $ 70

44
SELECTED

C O M PA N Y , UNION,
AND
D ATE OF INFORM ATION
L ife in su ran ce

January 1958

A m e r ic a n Seating
C om pany (G rand
R a p id s , M ic h .)

Hospitalization

Surgical

Medical

Life
insurance

Hospitali­
zation

Surgical

M edical

Supplem ental a c c id e n t expen se allo w a n ce :
(F o r e x p e n se s in e x c e s s o f those c o v e r e d b y oth er
plan b e n e fits , in c u r re d within 7 m onths o f date o f
a ccid e n t)
E m p lo y e e on ly— up to $300

E m p lo y e e and dependents

A p r il 1958

Furnicure M an u factu rers
in Southern C a lifo rn ia ,
Industrial R elation s
C ou ncil o f

D ia gn ostic la b o r a to r y and X -r a v exam ination
a llow an ce fo r n on h o sp ita lize d c a s e s :
E m p lo ye e — up to $50 per con d ition
D ependents— up to $25 per con d ition

C a rp en ters

P o lio a llow an ce:
(F o r e x p e n se s in e x c e s s o f those c o v e r e d by other
plan b e n e fits in c u r re d w ithin 2 y e a rs o f c o m m e n c e ­
m ent o f d isa b ility)
E m p lo y e e and dependents— up to $ 3 , 0 0 0

A p r il 1958

Accidental
death and
ii smemDer ment

D ia gn o stic la b o r a to r y and X - r a y exam ination
a llo w a n ce fo r n o n h o sp ita lize d c a s e s :
E m p lo y e e and dependents— up to $50 p e r condition

A n e sth e sia allow an ce fo r c a s e s in o r out o f h o s p ita l, if a d m in is te re d by nonh ospital em ployee—
1st h alf hour o r fra ctio n th e r e o f, <+>10; each ad d i­
tion al h a lf hour o r fra ctio n th e r e o f, $5

A u tom ob ile W o rk e rs

Dependents of retired employee

R etired employee
T yp es and am ounts

W oo dwo rke r s

AND

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

OTH ER BE N EFITS 1

L u m b er in du stry,
v a riou s e m p lo y e r s
(O regon , W ashington,
C a lifo rn ia , Idaho, and
M ontana)

HEALTH

$500

Supplem ental a ccid e n t expen se allow an ce:
(F o r exp e n se s in e x c e s s o f those c o v e r e d by oth er
plan ben e fits in c u r re d within 90 aays o f date o f
a ccid e n t)
E m p lo y e e only— up to $150

F u rn itu re in d u stry,
v a rio u s e m p lo y e r s
F u rn itu re W ork e rs
N ational p la n 2
January 1958

E m p lo y e e and dependents

L a b o r a to r y and X - r a y exam ination a llow an ce fo r
n o n h o sp ita lize d c a s e s — up to $50 p e r a ccid e n t; up
to $50 f o r a ll exam in ation s m ade in c o n n e ctio n with
d is e a s e during any 12 c o n s e c u tiv e m onths

1 Such b en e fits as X - r a y , a n e sth e sia ,a n d e le ctr o c a r d io g r a m , a llo w a n ce s m ay be p r o v id e d under so m e pla n s, although not lis t e d h e r e . R e a s o n s f o r not lis tin g such b e n e fits a r e s e t fo r th in
E X P L A N A T O R Y NOTES
2 B en efits under this p r o g r a m v a r y som ew h a t in d iffe re n t p arts o f the co u n try , due p r im a r ily to va ryin g am ounts o f e m p lo y e r co n trib u tion s and to u tiliza tion o f lo c a l h osp ita l p r o g r a m s . B en efits
d e s c r ib e d a r e th ose p r o v id e d in the New Y o r k C ity a r e a .




45
IN S U R A N C E

PLANS

- Continued

FINANCING
B en efits f o r
em p loy ee

B e n e fits fo r e m p lo y e e 's
dependents

B en efits fo r r e t ir e d
e m p loyee

B e n e fits fo r dependents
o f r e tir e d em p lo ye e

Am ount o f con tribu tion
B e n e fits fo r em p lo ye e and dependents

C om pany
J ointly
only

C om pany
Jointly
only

S ee "A m c unt o f
contribute o n s "
colu m n

E m p loyee C om pany
E m p lo y e e C om pany
E m ployee
J ointly
Jointly
only
only
only
only
only

X

Com pany

E m p lo ye e

fo r —
B en efits f o r r e tir e d em p loy ee
and dependents
E m p loyee

C om pany

E m p lo y e e 's b e n e fits:
E m p lo y e r dedu cts $ 1 3 .2 0 m onthly fn om e m p lo y e e ' s
pa ych e ck 1
D epen den ts' b e n e fits :
F u ll c o s t — $ 7 .5 0 m onthly

X

X

X

D ependents 1 b e n e fits:
$C. 36 p e r m onth

E m p lo y e e 's b en efits:
F u ll c o s t
D epen den ts' b en efits :
B a lan ce of c o s t

X

X

F u ll cost

X

X

F u ll c o s t — 3 p e r c e n t
o f m onthly p a y r o ll

1 A g re e m e n ts in 1950 p r o v id e d wage in c r e a s e o f




lxk ce n ts

p e r h ou r to b e s o le ly fo r p u rp o s e o f financing health and in su ra n ce p r o g r a m .

F u ll c o s t

46
SELECTED
ELIG IB IL IT Y
REQU IREM EN TS
C O M PA N Y , UNION,
AND
D A TE O F INFORM ATION

U p h olsterin g and a llie d
tra d es in d u s tr ie s ,
v a rio u s e m p lo y e r s

Am ount

If p e rm a n e n tly and to ta lly d is a b le d

Im m e d ia te ly o r
1st o f fo llo w in g
m onth

U p h o ls te r e r s
N ational plan

Am ount
B e fo r e
age—

P e r io d o f in su ra n ce co v e r a g e
U nder age 60 when f ir s t em p lo y e d
1st 23 m o n th s --------------24 to 36 m o n t h s _______

January 195b

AND

A C C ID E N T A L D EATH AND D ISM EM BERM EN T

LIF E INSURANCE

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

HEALTH

Insu ran ce 60 with
6 ye a rs'
accu ­
m ulated
$ 1 ,0 0 0
cover­
1,100
age
1,2 0 0
1,300
1,400
1,500

C a ses
covered

In su ran ce is —
M aintained

P a id in—

X

__

N o n o c cu pational

G raduated
a c c o r d in g to—

__

M u ltiSingle
Death d is m e m ­ d is m e m ­
berm en t b erm en t
$ 2 ,0 0 0 $ 1 ,0 0 0

$ 2 ,0 0 0

A ge 60 o r o v e r when f ir s t e m p lo y e d
$

R o b e r t G a ir C om pa n y, Inc. A fte r 3 m o n th s '
(D iv isio n o f C ontinental
e m p loym en t
Can C om pany, I n c .)
P a p e r m a k e r s and
Paperw orkers
January 1958

Internation al P a p e r
C om pany ( N orth ern
D ivision )
P a p e r m a k e r s and
P a perw orkers;
P u lp , Sulphite and P a p e r
M ill W ork ers

A fte r 6 m o n th s '
e m p loym en t

W eek lv earn in gs

Insu ran ce

L e s s than $1 4 __
$ 1 4 to $20 __ _
$20 to $25
$25 to $30
$30 to $40
$40 to $60 _____ _____
$ 60 to $ 80
$80 to $125 _
and up

$ 1 ,2 0 0
1,500
1,800
2 ,3 0 0
2 ,5 0 0
3 ,0 0 0
4 .0 0 0
6.0 0 0

B a se annual e arn in gs

Insurance

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

$ 1 ,0 0 0
2 ,0 0 0
3 .0 0 0
plus

5 annual in c r e a s e s in a b ove am ounts o f $100 each
F e b ru a r y 1958
(M

E m p lo y e e s with annual earnings o f o v e r $ 2 , 500 m a y s e c u r e add ition al in s u r a n c e .




250
50b
1, GJ0

65

60

__

F o r 1 y e a r (o r
fo r p e r io d
in su re d , if le s s
t’ in 1 ye a r) o r
u n u l age 65,
w h ich e v e r o c c u r s
f ir s t

X

Installm ents
(Opti< nal)

N o n o c cu - W eek ly ea rn in gs
p a tion a l;
500 $ 250
occu pa­
L e s s than $2 5 ______ $
$25 to $30
800
400
tion al
$30 to $ 4 0 __________
500
1,0(M>
$40 to $60 ...
_ __
1 ,5 0 0
750
$60 to $80
2 ,5 0 0 1 ,2 5 0
$80 to $125 _
__ _ 4 , 500 2 ,2 5 0
and up

N o n o c cu - B a se annual ea rn in gs
p ational;
500
occu pa­
L e s s than $ 1 , 5 0 0 ----- $ 1 ,0 0 0 $
$ 1 ,5 0 0 to $ 2 , 5 0 0 ___
2 ,0 0 0 1,0 0 0
tion al
$ 2 ,5 0 0 and o v e r ____
3 ,0 0 0 1 ,5 0 0

$

500
800
1 ,0 0 0
1 ,5 0 0
2 ,5 0 0
4 , 500

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

plus
5 annuail in c re a s les—
$ 10 0 e;ic h in ab<jv e
"D ea th 1" and "M i llt i d i s m em b e r m e n t" a m ou n ts;
$50 ea.ch in a b o-'se
"S ingle d is m e m t »er m e n t"
am ount s

47
IN S U R A N C E

PLANS

- Continued

H O SPITALIZATIO N

ACCID EN T AND SICKNESS

D uration o f b e n e fits

Cases
covered

Nonoccupational

(l)

D aily
benefit

E x cep t
A fte r
age—

Under age 60 when firs t em ployed:
66 percent of average weekly 52 weeks
per d is ­
wage
ability

Extended
coverage

B e n e fits begin

D ays

B e n e fits lim ite d
to—

1st day

(l)

D aily
am ount

8th day

(l)

Age 60 or over when firs t em ployed:
30 percent of average weekly 2 6 weeks
v
wage during 1st 36 months
per d is­
of insurance coverage; 60
ability
percent thereafter
during
1st 36
months;
(*)
52 weeks
per dis­
ability
there­
after

M axim um
r o o m and
b oa rd
a llow an ce

E x tra allow a n ce
o r s e r v ic e

E m p loy ee and dependents
Up to $ 12
(3)

$600

50 days

P er
year

P er

disa­
bility

E m ergency
out-patien t
care

2

Up to $200
(3 )

(3 )

(M
Nonoccupational

Weekly
earnings
L ess than $14
$14 to $ 2 0 ___
$20 to $ 2 5 ___
$25 to $ 3 0 ___
$30 to $ 4 0 ----$40 to $60 ___
$ 60 and o v e r _

Weekly 26 weeks
benefit per dis
ability

1st day

8th day

$10

E m p loy ee and dependents
S e m i­
private

12
15
18
24
30
40

120 days

__

__

__

F u ll c o s t o f
s p e c ifie d
s e r v ic e s

__

X

Up to $250 per
6-m on th p e r io d

i

Nonoccupational

Base annual
earnings
L ess than $2,080 __
$2,080 to $2,340 __
$2 ,*340 to $2,600 _
$2,600 to $2,860 __
$2,860 to $3,120 __
$3,120 to $3,380 __
$3,380 to $3,640 __
$3,640 to $3,900 __
$3,900 to $4,160 ___
$4,160 to $4,420 __
$4,420 and over ___

Weekly 26 weeks
benefit per d is­
ability
$20.00
22.50
25.00
27.50
30.00
32.50
35.00
37. 50
40.00
42.50
45.00

8th day

E m p lo y e e and dependents

8th day
Up to $ 12

(4 )

$840

Up to $150

X

Up to $150

a
to cm P^°Te®* eligible fo r coverage under the California State tem porary disability law.
»
dependents receiv e 50 percent o f specified benefit, during fir s t 36 m onth, of insurance coverage; .p e c ifie d b en efit, thereafter,
m aximum p eriod
which daily pi»n benefits are^payable. V°
°* P
ene *** und€r the California State tem porary disability law ($12 daily fo r 20 days), but such period included in computing
4 Duration depends on actual daily room and board charges; total allowance lim ited to $840.




48
SELECTED

SU RG ICAL

CO M PA N Y , UNION,
AN D
D A T E OF INFORM ATION

U p h olsterin g and a llie d
tra d es in d u s tr ie s ,
v a r io u s e m p lo y e r s
U p h o ls te r e r s
N ational plan
January 1958

Up to schedule
a llow a n ce
a c c e p te d a s fu ll
paym ent i f annual
in c o m e is under—

R o b e r t G air C om pa ny, Inc
(D iv isio n o f Continental
Can C om pany, I n c .)
P a p e r m a k e r s and
P a perw ork ers

E m p loy ee

D ependents

C ov ers
cases
in—

M axim um scheidule allow an ce H o s p ita l,
$150
$250
o ffic e
T o n s ille c t o m y
Up to $40
Up to $25

Up to sch ed u le
allo w a n ce
a cce p te d a s fu ll
paym ent i f annual
in co m e i s under—

B en efits begin

Allowance
H om e

O ffic e

Hospi
tal

Up to
$3 p e r
v is it

Up to
$2 p e r
v is it

Up to
$3 p e r
v is it

(M

(l )

E ls e ­
w h ere

M axim um
com p en sa tion

$ 150 p e r

d is a b ility

S ick n ess /

4th
v is it

1st
v is it

(M

(M

M a x im um
num ber
v is it s
pa id
fo r
3 per
w eek;
50 p e r
d is a ­
b ility

Appende c tom y
Up to $ 115
Up to $70
(M

(M

H

M axim um sche dule allo w a n ce H o s p it a l,
o ffic e , h om e,
$225
$225
e ls e w h e r e
_______ T o n s ille c t o m y
LJp to $ 3 7 .5 0 [Up to $3 7 .
Appendec tom v

January 1958

Internation al P a p e r
C om pany (N orthern
D iv ision )
P a p e r m a k e r s and
P a p erw ork ers;
P u lp, Sulphite and P a p e r
M ill W ork ers
F e b ru a ry 1958

>

i =;n

Itt-t*

<

M axim u m sch ed u le a llo w a n ce H o s p ita l,
o ffic e , hom e,
-$250
[$250
e ls e w h e r e
T o n s ille c to m y
U nderage
Up to $50
up to $30;
o v e r age 12,
up to $50

\£,

$ 4 fo r
ea ch
day o f
c o n fin e ­
m ent

$25 0 p e r d is a b ility

1st day

1st day

A p p en d ectom y
Up to $12 5
Up to $125

1 If age 60 o r o v e r when f ir s t e m p lo y e d , e m p lo y e e and dependents r e c e iv e 50 p e r c e n t o f s p e c ifie d b e n e fits during f ir s t 36 m onths o f in su ra n ce c o v e r a g e ; s p e c ifie d b en efits th e r e a fte r .




AND

M E D IC A L

O peration sch edu le—
s e le c t e d a llo w a n ce s

E m p loyee

H EALTH

k ia x im um
num ber
days
p aid
fo r

49
IN S U R A N C E

PLANS

- Continued

M ED ICAL - Continued

M A T E R N IT Y PROVISIONS

D ependents

H om e

O ffic e

H o s p i­ E ls e ­
ta l
w h ere

S u rg ica l

H o sp ita liza tio n
M axi­
M a x i­
m um
m um
O ther
num ber num be: p r o v is io n s
A c c i ­ visits
days
paid
paid
dent
fo r
fo r

B e n e fits be g in
M axim um
co m p e n sa tio n

S ic k ­
ness

A c c id e n t
. and
s ick n e s s

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

M axim um
r o o m and
board
a llow an ce

R eg u la r
ben efits
fo r 6 weeks
12
days

$60

B e n e fits a v a ila b le to
new ly in su red

E m p lo y e e and depen den t:
A ft e r 9 m onths

E m p lo y ee

Up to
$5

M ed ica l

Schedule
E x tra
allow a n ce A m oun ts
a llow a n ce Lump
and
fo r
or
sum
no rm al lim ita tion s
s e r v ic e s
d e liv e ry

Up to $ 50

Up to $40,
p lu s up to
$ 5 am bu la n ce
a llow an ce
D e p e n d en t1

Up to Up to $30
$50

E m p lo y e e and dependent

R e g u la r
b e n e fits
f o r 6 w eeks
S e m i- 120
private days
room

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

$250 p e r d is a b ility

If age 60 o r o v e r when f i r s t e m p lo y e d ,




1st
day

1st
day

R e g u la r
b e n e fits
f o r 6 w eeks

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

E m p loy ee and depen den t:
Im m ed ia tely
Up to $75

E m p lo y e e and dependent

T

T

E m p lo y e e and depen dent;
M a tern ity a llow a n ce— i f p r e g ­
n an cy c o m m e n ce s w hile in su red

Up to $150 m a te rn ity a llow a n ce
E m p lo y e e :
A c c id e n t and s ic k n e s s —
im m e d ia te ly

e m p l o y e e 's dependent r e c e iv e s

50 p e r c e n t o f s p e c ifie d b e n e fits during f i r s t 3 6 m onths o f in su ra n ce c o v e r a g e ; s p e c ifie d b e n e fits th e r e a fte r .

50
SELECTED

CO M PA N Y , UNION,
AN D
D A TE O F INFORM ATIO N

D ependents o f r e t ir e d em p loy ee

R e tir e d e m p lo y e e
T y p e s and am ounts
L ife in su ra n ce

U p h o ls te r e r s
N ational plan

AND

EXTENSION O F BE N E FITS TO—
(m u st be at le a s t on group rate b a s is )

O TH ER B E N E F IT S1

U p h olsterin g and a llie d
tr 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

H EALTH

A c c id e n ta l
death and
di sm e m b e rm e n t

H o sp ita liz a tio n

S u rg ica l

25 p e r c e n t o f
am ount in e ffe c t
im m e d ia te ly p r io r
to r e tir e m e n t;
m in im u m — $ 1,000
m axim u m — $ 5,000

Sam e as fo r a c t iv e
e m p lo y e e

Sam e as
f o r a ctiv e
e m p loy ee

W ith 15 y e a r s '
s e r v ic e o r ow ing to
d is a b ility :
A m oun t in e ffe c t
im m e d ia te ly p r io r
to r e tir e m e n t

With 15 y e a r s ' S am e a s f o r a c tiv e
s e r v ic e o r owing e m p lo y e e
to d is a b ility :
Am ount in
e ffe c t im m e d i­
a te ly p r io r to
re tir e m e n t

M ed ica l

L ife
in su ra n ce

H o s p ita li­
zation

S u rg ica l

M ed ica l

E m p lo y e e o n ly
L a b o r a t o r y and X - r a y exam in ation a llo w a n ce fo r
n o n h o sp ita lize d c a s e s and if not p r o v id e d by other
plan b e n e fits — up to $25 p e r d is a b ility

January 1958

E m p lo y e e and dependents

A n e s th e sia allo w a n ce f o r c a s e s in and out o f hospital
— 15 p e r c e n t o f am ount payable fo r s u r g ic a l p r o c e ­
dure o r $ 2 5 , w h ich e v e r is le s s
(*)

R o b e rt M |ir C om p a n y, Inc.
(D iv isio n
«,on tin en tal
Can C om pa n y, I n c .)

&£

P a p e r m a k ers and
P aperw orkers

(3)

Sam e as
Sam e as
f o r r e t ir e d fo r r e ­
tir e d
sm ployee
e m p loy ee

( 3)

Jan uary 1958

Intern ation al P a p e r
C om pany (N o r th e r n
D iv is io n )
P a p e r m a k e r s and
P a perw orkers;
P u lp , Sulphite and P a p e r
M ill W o r k e r s

Sam e a s Sam e as
f o r a c tiv e fo r a c tiv e
e m p loy ee em p lo y e e

Same as
Sam e as
Sam e as
f o r r e t ir e d f o r r e ­
fo r r e t ir e d
em p loyee
tir e d
em p loy ee
e m p loy ee

F e b ru a r y 1958

1 Such b e n e fits a s X - r a y , a n e s th e s ia ,a n d e le c t r o c a r d io g r a m a llo w a n c e s m a y b e p r o v id e d under s o m e p la n s , although not lis t e d h e r e . R e a s o n s f o r not lis tin g su ch b e n e fits a r e s e t fo r t h in
EX PL A N A T O R Y N OTES.
If a ge 60 o r o v e r when f i r s t e m p lo y e d , e m p lo y e e and dependents r e c e iv e 50 p e r c e n t o f s p e c ifie d b e n e fits during f i r s t 36 m onths o f in su ra n ce c o v e r a g e ; s p e c ifie d b e n e fits t h e r e a fte r .
M a x im u m .h o sp ita liz a tio n and s u r g ic a l b e n e fits during r e tir e m e n t f o r e m p lo y e e and dependent 1J uited to $ 2 ,5 0 0 .

3




51
IN S U R A N C E

PLANS

- Continued

FINANCING
B en efits f o r
e m p loy ee

B e n e fits fo r e m p lo y e e 's
dependents

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

Am ount o f con tribu tion
B e n e fits f o r e m p loyee and dependents

C om pany
Join tly
only

C om pany
E m p lo ye e Com pany
E m p lo ye e Com pany
E m p loyee
Join tly
Join tly
Jointly
only
only
only
only
only
only

X

X

X

X

X

E m p loyee

Com pany

fo r —
B en efits f o r r e t ir e d em p lo y e e
and dependents
E m p loyee

F u ll c o s t — 3 p e r c e n t
o f a ggrega te earn in gs
o f em p lo y e e s

X

X

X

X

F u ll c o s t

F u ll c o s t

X

E m p lo y e e 's b e n e fits :
L ife and a c c id e n ta l death and d i s ­
m e m b e rm e n t in s u r a n c e , and a c c i ­
dent and s ick n e s s b e n e fit

E m p lo y e e 's b e n e fits :
L ife and a c c id e n ta l
death and d is m e m ­
b erm en t in s u r a n c e ,
and a c c id e n t and
s ick n e s s b en efit—
B a s e annual
W eekly
earn in gs
co n tr ib u tio n s 1 balance o f c o s t
O ther e m p loy ee
L e s s than $ 1 ,5 0 0 ____
$ 0 .2 5
b en efits— fu ll c o s t
$ 1 ,5 0 0 to $ 2 ,5 0 0 _____
.5 0
$ 2 , 500 and o v e r -------.7 5
D epen den ts' b e n e fits :
F u ll c o s t — $ 1 .2 9 p e r w eek

E m p lo y e e ' s b e n e fits :
L ife and a c c id e n ta l
death and d is m e m b e r ­
m en t in s u r a n c e ,
r e tir in g p r i o r to 65 a
B a s e annual
earn in gs
p r i o r to
re tir e m e n t

E m p lo y e e ' s b e n e fit s :
L ife and a c c id e n ta l
death and d is m e m ­
b e r m e n t in s u r a n c e ,
r e t ir in g p r i o r to
M onthly 65— b a la n ce o f cost*
c o n t r i- r e tir in g at 65 o r
bu tion s1 la te r — 5ull c o s t

L e s s than
$ 1 ,5 0 0
__ ___ $ 0 .6 0
$ 1 ,5 0 0 to
$ 2 ,5 0 0 ________
1 .2 0
$ 2 , 500 and
o v e r ___________1 .8 0
O th er em p loy ee
b e n e fits — fu ll c o s t
D e p e n d e n t's ben efits:
F u ll c o s t

i

Employee* earning o v e r $ 2 ,5 0 0 annual l y who e l e c t to b e c o v e r e d b y add ition al in s u ra n ce m ake a la r g e r co n trib u tio n .
Employees retiring prior to age 65, i f not ow ing to d is a b ilit y , m ake m on th ly co n trib u tio n until a ge 65; t h e r e a fte r co m p a n y pays fu ll c o s t .




C om pany

52
SELECTED
E L IG IB IL IT Y
REQUIREM ENTS
CO M PA N Y , UNION,
AND
D A TE O F INFORM ATION

i f p erm an en tly and to ta lly d is a b le d
N ew e m p lo y e e s
becom e
e lig ib le —

A ft e r 3 m o n th s'
em p lo ym e n t

P a p erm a k ers and P a p e r w o rk e rs ;
P u lp, Sulphite and P a p e r
M ill W ork ers

Am ount
B e fo r e
age—

B e fo r e age 65;
B a s ic annual e a rn in gs
$ 1 ,4 5 6
$ 1 ,9 7 6
$ 2 ,3 9 2
$ 2 ,6 0 0
$ 2 ,8 0 8
$ 3 ,0 1 6
$ 3 ,4 3 2
$ 3 ,8 4 8
$ 4 ,2 6 4
$ 4 , 680
$ 5 ,0 9 6
$ 6 ,0 0 0
and up

January 1958

to
to
to
to
to
to
to
to
to
to
to
to

. _ ____ ...
$ 1 , 9 7 6 ____
$ 2 , 3 9 2 __ _____ __ _
$ 2 ,6 0 0
_________
$ 2 ,8 0 8 __
________
... ___
$ 3 , 0 1 6 _______ _____
_______
$ 3 ,4 3 2
________
___________ _ _
$ 3 ,8 4 8
. ...
$ 4 ,2 6 4
_ _
_ _
__
$ 4 ,6 8 0
_ _ _ ___________ _____ __
$ 5 ,0 9 6 _
____
$ 6 ,0 0 0
......
________
$ 7 ,0 0 0

65

C a ses
covered

In su ran ce is —

F o r 1 y ear

B ook bin d ers
January 1958




A fte r 90 d a y s 1
e m p loym en t

M onthly b a s e pay
L oss
$100
$150
$200
$250
$300
$350
$400

than $100 . . . . . .
to $ 150 ____
to $200
to $250
.
. .. _ .
to $300
____ _
.. .....
to $.350
.
___ _
to $400
and o v e r

_

Insurance
$ 1,000
2 ,0 0 0
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, 500
5,000
5, 500
6, 000
7 ,0 0 0

Insu ran ce
$ 1,900
2 ,5 0 0
3,1 0 0
3,7 0 0
4, 300
4. 900
5 r 500
6. 100

G raduated
a c c o r d in g to—

P a id in—

$ I,
$1,
$2,
$2,
$2,
$3,
$3,
$3,
$4,
$4,
$5,
$6,
$7,

500
456____ $ 1,000 $
976-----2,00 0 1,000
392-----2 ,2 5 0 1, 125
2, 500 1.2 5 0
600____
2 ,7 5 0 1 ,3 7 5
808____
3 .0 0 0 1 .500
016___ _
432____
3 ,5 0 0 1.750
848___ _
4 .0 0 0 2,00 0
264____
4, 500 2 .2 5 0
680____
5 .0 0 0 2 .5 0 0
096____
5, 500 2 .7 5 0
000____
6.000 3 ,0 0 0
000
7 ,0 0 0 3 .5 0 0

X

__

$ 1,000

2,000
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 .5 0 0
6.000
7,0 0 0

__

At age 65:
If in s u re d f o r le s s
than $ 3 ,0 0 0 p r io r to
age 65, am ount in
e ffe c t r e d u c e d to ____ .$ 750
If in s u re d f o r m o r e
than $ 3 ,0 0 0 p r io r to
age 65, am ount in
e ffe c t red u c e d to_____ $ 1, 000

60

M u ltiSingle
dismem-|id is m e m ­
berm en t b erm en t

N o n o c c u - B e fo r e a ge 65;
pation al B a s ic annual earn in gs
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

At age 65:
In su ran ce re d u ce d to $750 if in s u r e d fo r le s s than $ 3 ,0 0 0
p r io r to age 65; to $ 1 ,0 0 0 if in s u r e d fo r m o r e than $ 3 ,0 0 0

B row n and B igelow
(St. P a u l, M in n.)

AND

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

LIF E INSURANCE

M aintained
W est V ir g in ia P u lp and
P a p er C om pany

H EALTH

$375

$

750

$50 0

$

1,000

53
IN S U R A N C E

PLANS

- Continued

ACCID EN T AND SICKNESS

D uration o f b e n e fits
C a ses
covered

B a s ic annual
ea rn in gs
L e s s than $ 1 ,4 5 6 ___
$ 1 ,4 5 6 to $ 1 ,5 6 0 ___
$ 1 ,5 6 0 to $ 1 ,7 6 8 ___
$ 1 ,7 6 8 to $ 1 ,9 7 6 _
$ 1 ,9 7 6 to $ 2 ,1 8 4 ___
$ 2 ,1 8 4 to $ 2 ,3 9 2 ___
$ 2 ,3 9 2 to $ 2 ,6 0 0 ___
$ 2 ,6 0 0 to $ 2 ,8 0 8 ___
$ 2 ,8 0 8 to $ 3 ,0 1 6 ___
$ 3 ,0 1 6 to $ 3 ,4 3 2 ___
$ 3 ,4 3 2 to $ 3 ,8 4 8 ___
$ 3 ,8 4 8 to $ 4 , 264 ___
$ 4 , 264 to $4 , 680 ___
$ 4 , 680 to $ 5 , 096 ___
$ 5 , 096 and o v e r _____

N o n o c cu p a tion al

W eekly 26 w eeks
b e n e fit p e r d i s ­
a b ility
$14
15
17
19
21
23
25
27
29
33
37
41
45
49
50

50 p e r c e n t o f stra ig h t-tim e
w ee k ly e a rn in g s—
M axim um — $ 75

O ccu p a tion a l D iffe r e n c e be tw e e n W o rk ­
m e n 1s C om p e n sa tio n b e n e fit
and a b o v e am ount




13 w eek s
p er d is ­
a b ility

A fte r
age—

B en efits lim ite d

Extended
coverage

B e n e fits begin
D aily
benefit
or
s e r v ic e

E xcep t
P e r io d

N o n o c cu p a tion al

H O SPITALIZATIO N

A c c id e n t

1st day

D uration
D ays

D aily
am ount

M axim um
r o o m and
b oa rd
a llow an ce

E x tra a llow a n ce
o r s e r v ic e

Per
year

Per
d is a ­
b ility

E m ergen cy
ou t-patien t
care

X

—

E m p loy ee

8th day
$6

70 days

—

—

$420

Up to $ 60

—

D epeiidents
Up to $6

1st day

$420

70 days

8th day

X

Up to $ 60

E m p lo y e e ” and dependents
Up to $ 12

35 days

—

—

$420

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

—

X

Up to $ 160

54
SELECTED

HEALTH

ANT

SU RG ICAL

C O M PA N Y , UNION,
AND
D A T E O F INFORM ATION

W est V ir g in ia P u lp and
P a p e r C om pany
P a p e rm a k e rs and P a p e r w o rk e rs ;
P u lp , Sulphite and P a p e r
M ill W ork ers

E m p loy ee

O p e ra tio n sch edu le—
s e le c t e d a llo w a n ce s

Up to sch edu le
allo w a n ce
a c c e p te d a s fu ll
paym ent i f annual
in c o m e i s under—

C ov ers
cases
E m p lo y e e

D ependents

M axim u m sch e d u le allo w a n ce

JWT

H o sp ita l,
o ffic e , hom e,
e ls e w h e r e

Tonsille<setomy
Up to $30
Up to $30
_______ Appendeic t o m y _____
Up to $100
ftUp to $100

January 1958

B row n and B ig e lo w
(St. P a u l, M in n .)
B ook bin d ers

M axim u m sch e d u le a llo w a n ce H o s p ita l,
200 “
$200
o f f i c e , h om e,
e ls e w h e r e
T o n s ille c t o m y
Up to $30
|Up to $30
$

January 1958




A
p p e n d e cto m y
AP]
Up to $100
Up to $ 100

Up to sch ed u le
allo w a n ce
a c c e p te d a s fu ll
paym ent i f annual
in c o m e i s under—

B e n e fits begin

A llo w a n ce

Maximum
O ffic e

H o s p i­
tal

E ls e ­
w h ere

c o m p en s a tion

H a ii-

num ber
v is it s
S ic k n e s s A ccid e n t
p a id
fo r

m um
num bei
days
pa id
fo r

55
IN S U R A N C E

PLANS

- Continued

M ED ICAL - Continued

M A T E R N ITY PROVISIONS

D ependents
A llow a n ce

Home O ffic e




Hospi­
tal

E ls e ­
w h ere

M axim um
co m p e n sa tio n

S u rg ica l

H o sp ita liza tio n
B e n e fits b e g in

M a x iM axim um
m um
O ther
num ber numberj]p r o v is io n s
v is its
days
paid
paid
fo r
fo r

A c c id e n t
and
sick n e s s

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

M axim um
r o o m and
b oard
a llow a n ce

R e g u la r
b e n e fits
f o r 6 w eeks

M ed ica l

Schedule
E x tra
a llow a n ce A m oun ts
allo w a n ce Lump
and
fo r
or
sum
n orm a l lim ita tion s
s e r v ic e s
d e liv e ry

E m p lo y e e :
Im m ed ia tely

E m p lo y ee
$6

14
days

$84

Up to $60

B en efits a v a ila b le to
new ly in su red

—

Up to $50

~

D ependent:
A ft e r 9 m onths

D ependent

Up to

$6

14
days

$8 4

Up to $ 60

Up to $50

E m p lo y e e and dependent

_

__

_

Up to
$80

E m p lo y ee and depen dent:
A ft e r 9 m onths
Up to $ 50

5 6

SELECTED

C O M P A N Y , UNION,
AN D
D A TE OF INFORM ATIO N

D ependents o f r e t ir e d e m p loy ee

R e tir e d e m p lo y e e
T y p e s and am ounts
L ife in su ra n ce

A c c id e n ta l
death and
d ism e m b e rm e n t

H o sp ita liza tio n

S u rg ica l

L ife
in su ra n ce

H o s p ita li­
zation

S u r g ic a l

M ed ica l

S am e a s f o r a ctiv e
e m p lo y e e

P a p d rm a k ers and P a p e r w ork ers;
P u lp, Sulphite and P a p e r
M ill W ork ers
January 1958

B row n and B ig e lo w
(St. P a u l, M in n .)
IBookbinders
January 1958

E m p lo y e e and dependents
X - r a y s in d o ctor* s o f fic e o r c l i n i c — up to $ 10 f o r
any on e a c c id e n t
A n e sth e sia f o r t o n s ille c to m y in d o c t o r 1s o f fic e o r
c lin ic — up to $ 5

1 Such .ben efits as X - r a y , a n e s th e s ia , and e le c t r o c a r d io g r a m a llo w a n ce s m a y b e p ro v id e d under s o m e p lan s, although not lis te d h e r e .
E X P L A N A T O R Y N OTES.




AND

EXTENSION O F BE N E FITS '
(m ust be at le a s t on group rate b a s is )

O TH ER B E N E F IT S 1

W est V ir g in ia P u lp and
P a p e r C om pany

H EALTH

R ea son s f o r not lis tin g such b en efits a r e set fo rth in

57
IN S U R A N C E

PLANS

- Continued

FINANCING
B en efits f o r
em p loy ee

B e n e fits fo r e m p lo y e e 's
dependents

B e n e fits fo r r e t ir e d
e m p loyee

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

A m ount o f con trib u tion f o r
B e n e fits f o r e m p lo y e e and dependents

E m p lo ye e Com pany
E m p lo ye e Com pany
E m p lo ye e
Jointly
Jointly
only
only
only
only
only

Com pany
Join tly
only

E m p lo y e e

earn in gs
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 ,6 8 0 to
$ 5 ,0 9 6 to
$ 6 ,0 0 0 to
and up

X




X

C om pany

M onthly con tribu tion B a la n ce o f c o s t
No
One
A ll
depend - depen d- depend -

$ 1 , 4 5 6 - $ 1 . 52 $2 . 94 $ 3 . 70
$ 1 , 560__ 2 .0 2
3. 44
4. 20
$ 1 ,768_
3. 51
2. 09
4. 28
$ 1 ,9 7 6 _
3. 58
2. 16
4. 35
$ 2 , 1 84__ 2. 35
3. 77
4. 54
$ 2 ,3 9 2 ..
2. 42
3. 84
4. 61
$ 2 , 600_
4. 03
2. 61
4. 80
$ 2 ,8 0 8 ..
2. 80
4. 22
4. 98
$ 3 , 0 1 6__ 2. 99
4. 40
5. 17
$ 3 , 432__ 3 .3 6
4. 78
5. 55
$ 3 , 848__ 3. 74
5. 15
5 .9 2
$ 4 ,2 6 4 ..
4. 11
5. 53
6. 29
$ 4 ,6 8 0 ..
4. 49
6. 67
5 .91
$ 5 ,0 9 6 .. 4. 86
6. 28
7. 05
5. 13
$ 6 ,0 0 0 ..
6. 55
7. 32
$ 7 ,0 0 0 ..
5. 60
7. 01
7 .7 8

L ife in s u r a n c e :
$ 0 .4 0 p e r m onth p e r $ 1 ,0 0 0 in s u ra n ce

L ife in s u r a n c e :
B a la n ce o f c o s t
O ther b e n e fits ;
F u ll c o s t

B e n e fits f o r r e t ir e d em p lo y e e
__________and dependents
E m p lo y e e
$ 0 .4 2 p e r m onth
p e r $ 1 ,0 0 0 o f
in su ra n ce

C om pa n y
B a la n ce o f c o s t

58
SELECTED
EL IG IB IL IT Y
REQU IREM EN TS
C O M P A N Y , UNION,
AND
D A TE O F INFORM ATION

Am ount

Before
age—

Insurance is—
Maintained

L ith o g r a p h e r s , L o c a l 4
January 1958

P u b lis h e r s ' A s s o c ia t io n
o f N ew Y o r k C ity
T yp ograph ers, L oca l 6
F e b ru a r y 1958




Cases
covered

Paid in—

Graduated
according to—

MultiSingle
Death dismem­ dismem­
berment berment

60

X

Nonoccupational;
occupa­
tional

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

$ 2 ,0 0 0

60

X

Nonoccupational;
occupa­
tional

$ 1 ,0 0 0 $50 0

$ 1 ,0 0 0

50

X

[f in e x p e r ie n c e d :
A fte r o m o n th s 1
c o v e r e d e m p lo y ­
m ent

1st o f m onth c o in ­ $1,000
cid in g w ith o r n ext
follow in g a 4 month p e r io d d u r­
ing w hich em p lo y e e
tias b e e n em p lo y e d
or d ilig e n tly s e e k ­
ing e m p lo y m e n t
within the U n io n 's
N ew spaper B ra n ch
and has w ork ed at
Least on e sh ift o f
c o v e r e d e m p lo y ­
ment

The Dow C h em ical Com pany After 3 m o n th s '
jm p lo y m e n t
D is t r ic t 50, U nited M ine
W o rk e rs
A p r il 1958

Amount

If permanently and totally disabled

$2,000
P rin tin g in d u stry, C h ic a g o If e x p e r ie n c e d :
Im m ed iately o r 1st
L ith og ra p h ers A s s o c i a ­
tion , and other e m p lo y e r s o f fo llo w in g m onth

AND

ACCIDENTAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

New e m p lo y e e s
becom e
e lig ib le —

HEALTH

$ 4 ,2 5 0

or be­
tween
age 50
and age
b0with
Less than
10 y e a r s '
serv­
ice

______ i

59
IN S U R A N C E

PLANS

- Continued

ACCIDENT AND SICKNESS

Duration of benefits
C ases
covered

Two-thirds of current

basic weekly wage—
Maximum-— $55

13
weeks
per d is­
ability

Extended
coverage

Benefits begin
Daily
benefit
or
service

Except
After
age—

Nonoccupational

HOSPITALIZATION

Benefits limited

1st day

Days

Occupational Difference between W ork­
m en' s Compensation benefit
and above amount

N onoccupational

$31. 50 per week




Extra allowance Per
or service
year

Per
disa­
bility

Emergency
out-patient
care

Employee
Up to $15

31 days

—

$465

—

Up to $300

—

X

Up to $300

X

Up to $200

X

Up to $ 7 .2 5

X

Up to $200 , plus
75 percent of next
$ 2 ,4 0 0 of charges

X

Up to $200, plus
75 percent of next
$ 2 ,4 0 0 of charges

Dependents
Up to $ 10

$45 p er week

Daily
amount

8th day or
1st in
hospital

Occupational D ifference between W ork­
m en1s Compensation benefit
and above amount

Nonoccupational

Maximum
room and
board
allowance

Duration

20

8th day

8th day

weeks
p er d is ­
ability

26

weeks
per d is­
ability

Up to $200

Employee and dependents
Sem iprivate
room

8th day

$310

31 days

21 days

8th day

180

50 percent
of cost of
sem i­
private
room

_

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

_

Employee
Up to
$13. 50

120 days

$1,620

Up to $200, plus
75 percent of
next $ 2 ,4 0 0 of
charges

Dependents

Up to $11

120 days

$1,320

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

60
SELECTED

HEALTH

AND

SURGICAL

COMPANY, UNION,
AND
DATE OF INFORMATION

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

Printing industry, Chicago
Lithographers A sso cia ­
tion, and other employers
Lithographers, Local 4

Employee

Operation schedule—
selected allowances

Employee

Dependents

Covers
cases
in—

Maximum schedule allowance Hospital,
$300
$200
office, home,
elsewhere
Tonsillectomy
Up to $45
Up to $30

January 1958

_______ Appendectomy_____
Up to $150
IUp to $ 100

P ublishers' Association
of New York City

Maximum schedule allowance Hospital,
$250
$250
office, home,
elsewhere
Tonsillectomy
Up to $65
Under age 12,
up to $45;
over age 12,
up to $ 65

Typographers, Local 6
February 1958

Appende c tomy
U p lo T i2 5
|Up to $

The Dow Chemical Company
D istrict 50, United Mine
Workers
April 1958

Maximum schedule allowance Ho spital,
$300
$250
office, home,
elsewhere
Tonsillectomy
Up to $60
Under age 12,
up to $40;
over age 12,
up to $50

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

M axiM aximum
mum
number number
visits
days
Sickness Accident
paid
paid
for
for
Benefits begin

Office

Up to
$5 per
visit

Up to
$3 per
visit

H ospi­

E ls e ­

tal

where

Maximum
compensation

Up to
$5 per
visit

$200 per disability

2d day
of total
disabil­
ity

1st day 1 per
of total day; 13
disabil­ weeks
ity
per d is­
ability

1st
2 days
$10 per
day; 3d
and 4th
days,
$7.50
per day;
thereafte r , $5
per day

$170 per disability

1st day

1st day

$4 for
each
day of
confine ment

$480 per disability

1st day

1st day

31 per
disa­
bility

120 per
disa­
bility

______ Appendectomy
Up to $ 150
Up to $

1 If surgical operation perform ed,
allowance.




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

61
IN S U R A N C E

PLANS

- Continued

MEDICAL - Continued

MATERNITY PROVISIONS

Dependents

Hospi­ E ls e ­
tal
where

Maximum
compensation

Sick­
ness

Accident
and
sickness

Employee Regular
benefits
&vly:
Lf disabled for 6 weeks
for at
Least 7
days, en­
titled to 3
visits with­
in 31 days
after r e ­
turning to
work

1st

$170 per disability

2

1st day 1st day

days,
$ 10 per
day;
3d and
4th
days,
$ 7.50
per day;
there­
after,
$5 per
day

$3 for
each
day of
con­
fine­
m en t1

Surgical

Hospitalization
M axiMaxi­
muffl
mum
Other
number
number
provisions
A c ci­ visits
days
dent
paid
paid
for
for

Benefits begin

Daily
benefit Dura­
or
tion
service

Maximum
room and
board
allowance

Medical

Schedule
Extra
allowance Amounts
allowance Lump
for
and
or
sum
normal limitations
services
delivery

Employee and dependent;
After 9 months

Employee

—

—

—

—

Up to Up to $75
$150

Up to Up to $ 50
$100

Up to Up to $125
$80

$360 per disability

1st
day

1st
day

120 per
disa­
bility

Regular
benefits
for 6 weeks

—

Dependent

Dependent only

31 per
disa­
bility

Benefits available to
newly insured

Dependent:
Ho spitalization— irame diately
Surgical— if pregnancy commences
while insured

Employee and dependent:
If pregnancy commences while
insured

Employee

Up to $250 maternity allowance 2

Dependent

------ (----- ,—

|----- r

Up to $200 maternity allowance 2

1 If surgical operation performed,
allowance is greater of (a) $3 for each day of hospital confinement up to day of operation; or (b) $3 for each day of confinement minus surgical operation
allowance.
Plus $10 if circumcision on baby is perform ed during first 14 days. Amount payable to hospital cannot exceed 60 percent of allowance.




62
SELECTED

COM PANY, UNION,
AND
DATE OF INFORMATION
Life insurance

Typographers, Local 6
February 1958

Dependents of retired employee

Retired employee
Types and amounts

P ublishers' Association
of New York City

Employee and dependents

_

—

Accidental
death and
dismemDerment

_

Hospitalisation

Surgical

Retiring at age 60
and insured 5 years:
Same as for active
employee but lim ited during retire­
ment to $ 465 for
room and board and
$300 for extra
services

Retiring
at age 60
and insured 5
years:
Same as
for active
employee
but lim it­
ed during
retire­
ment to
$300

Same as for active
employee

—

Medical

Life
insurance

_

_

—

—

Hospitali­
sation

Surgical

Medical

_

__

_

Same as
for retired
employee

—

—

Same as
for depend­
ent of
active
worker

Same as
for depend
ent of
active
worker

Anesthesia allowance for cases in or out of
hospital— 20 percent of amount payable for surgical
procedure; minimum— $10, maximum— $50

The Dow Chemical
Company

Retiring at or
after age 55 owing
to disability or at
age 65:

D istrict 50, United Mine
Workers

Retiring at or after
age 55 owing to d is ability or at age 65:
Same as for active
employee

Service Insurance
April 1958

(*)
25 years
or le s s _ _ $ 1 ,0 0 0
26years_
1,100
27 yea rs__ 1,200
28 yea rs__
1,300
29 years__ 1,400
30 years
and over—
1,500

Retiring
at or after
age 55
awing to
disability
or at age
65:
Same as
for active
employee

(*)

(a)

(a)

1 Such b e n e fits as X - r a y , a n e sth esia,an d e le c t r o c a r d io g r a m a llo w a n ce s m ay be p ro v id e d tinder so m e p la n s, although not lis t e d h e r e . R ea son s f o r not lis tin g su ch b en efits a r e s e t fo rth in
E X P L A N A T O R Y N O T E S.
2 C om bin ed m axim u m h o s p ita liz a tio n and s u r g ic a l ben e fits available to r e t ir e d e m p lo y e e and dependents during r e tir e m e n t lim ite d a c c o r d in g to y e a r s o f s e r v ic e p r io r to r e tir e m e n t:
Y e a rs o f s e r v ic e p r io r to re tir e m e n t
1 3 o r lo s s
14
_ ____
15
....
_____ _
16 _ ______
________ __ _____
17
_ ..
..




M axim um c o m b in e d b en efit
$ 566
600
700
800
900
1 ,0 0 0

AND

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

OTHER BEN EFITS1

Employee only
Printing industry, Chicago
Lithographers A sso cia tion, and other
employers
Diagnostic X -r a y allowance, if no other benefits are
payable— up to $50 per condition
Lithographers, Local 4
Dermatitis treatments and medication— full cost
January 1958

H EALTH

Y e a rs o f s e r v ic e p r io r to r e tir e m e n t
10
7.0
71
77.
______
73 anH nvp r

M axim um co m b in e d b en efit
$ 1 ,1 0 0
1 ,2 0 0
1,3 0 0
1 ,4 0 0
1 ,5 0 0

63
IN S U R A N C E

PLANS

- Continued

FINANCING
Benefits for
employee

Benefits for em ployee's
dependents

Benefits for retired
employee

Benefits for dependents
of retired employee

Amount of contribution for—
Benefits for employee and dependents

Company
Jointly
only

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

X

X

Employee

X

Company

Benefits for retired employee
and dependents
Employee

Company

Full cost— $ 2 .2 5 per
week

Full c o s t1

Full cost— $ 0 . 73 per
shift worked

Full c o s t 1

Balance of cost

Full cost

(M

X

X

X

X

X

X

(l )

(M

X

X

Em ployee1s benefits:
$ 0 . 82 per week
Employee and dependents' benefits:
$ 1 .4 2 per week

1 Financed out of company contributions for benefits for active employee and dependents; see company contributions column for benefits for employee and dependents.




64
SELECTED
ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

Chemical W orkers;
O il, Chemical and
Atomic Workers
February 1958

Before
age—

After 3 months’
employment

65
Basic annual
straight-tim e
earnings
$ 1 ,0 0 0
$ 2 ,0 0 0
$ 3 ,0 0 0
$ 4 ,0 0 0
$ 5 ,0 0 0
$ 6 , 000
and up

to
to
to
to
to
to

Insurance

$2,
$3,
$4,
$5,
$6,
$7,

$ 1, 000

2,000
3.0 0 0
4 .0 0 0
5.000
6.000

After age 65:
None
(l)

Additional insurance provided on a contributory b asis; part of it is continued after age 65.




Amount

If permanently and totally disabled
Insurance is—
Maintained

Lever Brothers
Company *

AND

ACCIDENTAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

New em ployees
becom e
eligible—

HEALTH

Paid in—
Installments

Cases
covered

Graduated
according to—

Multi Single
Death dism em ­ dism em ­
berment berment

65
IN S U R A N C E

PLANS

-

Continued

HOSPITALIZATION

ACCIDENT AND SICKNESS

Duratidn of benefits
Case 8
covered

Daily
benefit

Except
After
age—

Extended
coverage

Benefits begin

Days

Benefits limited

Daily
amount

Maximum
room and
board
allowance

Extra allowance Per
or service
year

Per
disa­
bility

Emergency
out-patient
care

Employee and dependents— Nonoccupational disability cases

(*)

(1)

(l )

(1)

(*)

(>)

Sem i­
private
room

120 days

(*)

(*)

_

Full cost of
specified
services

_

X

Required services
provided

(*)

Employee only— Occupational disability cases

------ i---------1---- 1-------- 1-------- 1------------- 1---- 1------ 1------------Difference, if any, between benefits provided through Workmen's Compensation and the above benefits

No accident and sickness insurance benefit provided by plan; employees covered by paid sick-leave plan.
For an additional 245 days, .$ 5 per day allowed for room , board, and extra service s.




66
SELECTED

HEALTH

AND

MEDICAL

COMPANY, UNION,
AND
DATE OF INFORMATION

Lever Brothers
Company *
Chemical W orkers;
O il, Chemical and
Atom ic W orkers
February 1958




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

Employee

Operation schedule—
selected allowances
Covers
cases
Employee

Dependents

Nonoccupational
disability cases
Maximum schedule allowance
$250
$250

Tonsillectomy
Up to $50
Up to $ 50
Appendectomy
Up to $166. 50 Up to $166.50
Occupational
disability cases
Difference, if
any, between
benefits pro­
vided through
Workmen's
Compensation
and the above
benefits

Hospital,
office,
home,
elsewhere

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

Benefits begin

Allowance
Home

O ffice

H ospi­
tal

E lse ­
where

Maximum
com pensation.

Sickness Accident

Maxi­

Maxi­

mum
mum
number number
visits
paid
for

days
paid
for

Nonoccupational disability cases
—

____

___

$5 for
each
day of
con­
fine­
ment

_ _

$300 per disability

1st day

1st day

_

60 per

disa­

Occupational disability cases
Difference, if any, between benefits provided through Workmen's Compensation and the above benefits

bility

67
II?S U R 4N C E

PLANS

-

Continued

M ATERNITY PROVISIONS

MEDICAL - Continued

Dependents

Ho spitalization
M axi­
Maxi­
mum
mum
Other
number number|]provisions
A c c i­ visits
days
dent
paid
paid
for
for

Benefits begin
Hospi­ E ls e ­
Office
tal
where




$5 for
each
day
of
con­
fine­
ment

Maximum
compensation

$300 per disability

Sick­
ness

1st
day

1st
day

Accident
and
sickness

Daily
benefit Dura­
or
tion
service

Maximum
room and
board
allowance

Surgical

Employee and dependent

60 per
disa­
bility
Sem ip ri­
vate
room

8 days

Medical

Schedule
Extra
allowance Amounts
allowance Lump
and
for
sum
or
normal limitations
services
delivery

Full cost
of speci­
fied
services

Benefits available to
newly insured

Employee and dependent;
if pregnancy commences
while insured.
Up to
$125

68
SELECTED

COMPANY, UNION,
AND
DATE OF INFORMATION
Types and amounts
Life insurance

Chemical Workers;
Oil, Chemical and
Atomic Workers
February 1958




Dependents of retired employee

Retired employee

Employee and dependents

Retiring prior to

TFT

maxntained until
Diagnostic X -ra y allowance for nonhospitalized
cases— up to $25 per disability

AND

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

OTHER BENEFITS

Lever Brothers
Company*

HEALTH

age 65, then
coverage ceases

Accidental
death and
dismemoerment

Hospitalization

Surgical

Life
insurance

Hospitali­
zation

Surgical

Medical

69
IN S U R A N C E




PLANS

-

Continued

70
SELECTED

ELIGIBILITY
REQUIREMENTS
COM PANY, UNION,
AND
DATE OF INFORMATION

If permanently and totally disabled
New employees
become
eligible—

After 60 days'
employment *

Before
age—

Insurance is

60

Service
60 days- to
t 1 year .
year to 5 years .
5 ye;sars and over .

Textile Workers (TWUA)

C ases
covered

$

Installments

500
1,500
3,000

Single
Multidism em ­ dism em ­
berment berment

Graduated
according to—

Nonoccu- Service
pational;
occupa­
60 days to 1 y e a r .
tional
1 year to 5 years 5 years and over .

April 1958

The Texas Company
O il, Chemical and
Atomic Workers

Life insurance;
After 1 y e a r 's
employment
Other benefits:
Immediately or
1st of following
month

A p r il 1958

Monthly rate of pay

Insurance

At any
age

Until retirement

Less than $87,50 _________________________ $ 2,000
$87. 50 to $ 112.50________________________
2,400
$112. 50 to $125.00_______________________
2,800
$125.00 to $137.50_______________________
3,200
$137. 50 to $162.50_______________________
3,600
$ 162. 50 to $ 187. 50_______________________
4,200
$187.50 to $212.50_______________________
4,800
$212.50 to $237.50_______________________
5,400
$237. 50 to $262.50_______________________
6,000
$262. 50 to $287.50_______________________
6,600
$287.50 to $312.50_______________________
7,200
$312.50 to $337.50_______________________
7,800
$337.50 to $362.50_______________________
8,400
$362.50 to $387.50_______________________
9,000
$387. 50 to $412.50_______________________
9,600
$412. 50 to $475.00_______________________ 10,800
$475.00 to $525.00_______________________ 12,000
and up

For employee not e i i ^ e tot t e n e m e n t , inaotance maintained ontii accident and aicKne.a benetit and vacation b e n e ti, it any. ate e l a t e d .




AND

ACCIDENTAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

Maintained
Am erican V iscose
Corporation

HEALTH

500
1,500
3 ,0 0 0

250
750
1 ,500

500
1,500
3,0 0 0

71
IN S U R A N C E

PLANS

- Continued

HOSPITALIZATION

ACCIDENT AND SICKNESS

Duration of benefits
Cases
covered

Except

Amount
Period

Nonoccupational;
occupational
accidents
only

Basic weekly
earnings
L ess than $ 5 4 _____
$54 to $5 6
$56 to $ 5 8 _________
$58 to $60 _________
$ 60 to $ 6 2 _________
$62 to $ 6 4 _________
$ 64 to $ 6 6 _________
$66 to $ 6 8 _________
$68 to $70 _________
$70 to $ 7 2 _________
$ 72 to $ 7 4 _________
$ 7 4 to $ 7 6 _________
$76 to $ 7 8 _________
$78 to $ 8 0 _________
$ 80 to $ 8 2 _________
$82 and o v e r ____!__

Weekly 15
benefit weeks
per dis­
ability
$30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45

After
age—
65

Benefits limited
to—
15 weeks during
any 12 consecu­
tive months

Extended
coverage

Benefits begin

Accident

1st day

Sickness

Daily
benefit
or
service

Duration
Days

Daily
amount

Maximum
room and
board
allowance

Extra allowance Per
or service
year

Per
disa­
bility

Emergency
out-patient
care

Employee and dependents

8th day
Semiprivate
room

Full cost of
specified serv<
ices

120 days

Required services
provided

X

Employee and dependents 2
(l)

0

)

n

(x)

Up to $10

70 days

No accident and sickness insurance benefit provided by plan; employees covered by paid, sick-leave plan.
More liberal benefits available at additional cost.




—

$700

Up to $ 2 5 0 , plus
75 percent of
next $ 2 ,0 0 0 of
charges

~

X

Up to $150

72
SELECTED

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

Am erican Viscose
Corporation
Textile Workers (TWUA)

Operation schedule—
selected allowances

Employee

Dependents

Employee
Covers
cases
in—

Maximum schedule allowance Hospital,
$300
$300
office, home,
elsewhere
Tonsillectomy
Up to $60
Up to $60

April 1958
Appendcsetomy
Up to $150

n

The Texas Company
O il, Chemical and
Atomic Workers

Maximum schedule allowance H ospital,
J IW
office, home,
elsewhere
Tonsillectomy
Up to
*0 |Up to ? 3 7 . 50

J IW

April 1958
_______ Appendectomy
Up to $125
Up to $

1 Not available to dependent husband.




AND

MEDICAL

SURGICAL

COMPANY. UNION.
AND
DATE O F INFORMATION

HEALTH

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

Office

Hospi­
tal

Maxi­
kiaadm um
mum
number number
days
visits
Sickness Accident
paid
paid
for
for
Benefits begin

Allowance
E lse ­
where

Maximum
compensation

73
IN S U R A N C E

PLANS

- Continued

M E D IC A L - Continued

M A T E R N IT Y PROVISIONS

D ependents

H o s p i­ E l s e ­
tal
w h e re

M axim um
co m p e n sa tio n

S u rg ica l

H o sp ita liza tio n
M a x i­
M a x i­
m um
O ther
m um
num ber numberj]p r o v is io n s
days
A c c i ­ v is its
paid
paid
dent
fo r
fo r

B e n e fits begin
S ic k ­
ness

A c c id e n t
and
s ick n e s s

D aily
ben efit D u ra ­
or
tion
s e r v ic e

M axim um
r o o m and
board
allo w a n ce

E m p lo y e e and dependent

R e g u la r
b e n e fits
fo r 6 w eeks
S e m i­ 1°
p riva te days
room

(M

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

Up to $75




B en efits a v a ila b le to
new ly in su red

E m p lo y e e and depen dent:
H osp ita liza tion — a ft e r 9 m onths
S u r g ic a l— if p regn a n cy c o m m e n ce s
w hile in su red
E m p lo y e e :
A c c id e n t and s ic k n e s s — if
p regn a n cy c o m m e n c e s w hile
in su red

E m p lo y e e and dependent
Up to Up to
$ 1 0 0 $75

No a ccid e n t and s ick n e s s in su ran ce b en efit p ro vid e d by plan; e m p lo y e e s c o v e r e d by paid s ick -le a v e plan.

M ed ica l

S chedule
E x tra
allow a n ce A m oun ts
a llow a n ce Lurrp
and
fo r
or
sum
n orm a l lim ita tion s
s e r v ic e s
d eliv e ry

E m p loy ee and depen dent:
If p reg n a n cy c o m m e n c e s w hile
in su red

74
SELECTED

H EALTH

EXTENSION O F BE N E FITS TO —
(m ust be at le a s t on group rate b a s is )

O TH ER B E N E F IT S 1
C O M P A N Y , UNION,
AN D
D A TE O F INFORM ATIO N

D ependents o f r e t ir e d em p loy ee

R e tir e d e m p lo y e e
T y p e s and am ounts
L ife in su ra n ce

A c c id e n ta l
death and
d is m e m b e rm e n t

$ 1, 0002

A m e r ic a n V is c o s e
C o r p o r a tio n

M ed ica l

L ife
in su ran ce

H o s p ita li­
zation

S u r g ic a l

M ed ica l

H o sp ita liz a tio n

S u rg ica l

Sam e as fo r a c tiv e
e m p lo y e e

Sam e as
f o r activ e
e m p loy ee

Sam e as
Sam e as
f o r r e t ir e d f o r r e ­
tir e d e m ­
em p loy ee
ployee

Sam e as fo r activ e
e m p lo y e e

Sam e as
f o r active
e m p loy ee

Sam e as
Sam e as
f o r r e t ir e d fo r r e ­
tir e d e m ­
em p loy ee
p loyee

T e x tile W o r k e r s (TW U A)
A p r il 1958

The T exa s C om pany

E m p lo y e e and dependents

50 p e r c e n t o f
am ount in e ffe c t
im m e d ia te ly p r io r
P o lio a llo w a n ce (fo r a ctu al e x p e n s e s in c u r r e d
to r e t ir e m e n t r e ­
w ithin 2 y e a r s o f its c o m m e n ce m e n t)— up to $ 5 ,0 0 0 d u ce d , c o m m e n c ­
ing 1 y e a r a fte r
M a jo r m e d ic a l e x p e n se a llo w a n ce — 75 p e r c e n t o f e x ­ n o r m a l r e tir e m e n t
p e n se s in e x c e s s o f o th er plan b en efits w hich are in d ate, b y equal an­
nual am ounts o v e r
e x c e s s o f 1 p e r c e n t o f annual in co m e (m inim um —
$ 1 0 0 , m axim u m — $ 3 0 0 ); m axim u m — $ 5 ,0 0 0
5 y e a r s to 25 p e r ­
ce n t o f the am ount
in e ffe c t im m e ­
dia te ly p r io r to
r e tir e m e n t

O il, C h e m ica l and
A to m ic W o rk e rs
A p r il 1958

-------------* Such b e „ £it„ as L

EXP^

™




^

n

y,

g <or a.sahUUy —

AND

^

- T

-

P—

a —

—

^

* —

^
Hre in e 'u r i.c e c o v e r a g e s p e c i f ab o v e .

^

~

^

^

^

75
IN S U R A N C E

PLANS

- Continued

FINANCING
B en efits f o r
em p loy ee

B e n e fits fo r e m p lo y e e 's
dependents

B en efits f o r r e tir e d
em p lo ye e

B e n e fits fo r dependents
o f r e tir e d e m p lo y e e

Am ount o f con tribu tion
B e n e fits fo r e m p lo y e e and dependents

C om pany
Jointly
only

Com pany
E m p lo ye e Com pany
E m p lo ye e Com pany
E m ployee
Jointly
Jointly
Jointly
only
only
only
only
only
only

X

X

X

X

Com pany

E m p lo ye e
D ependent children* s b e n e fits :
F u ll c o s t
D ependent husband* s benefit:
H osp ita liza tion — fu ll c o s t

X




X

X

Life insurance:
Monthly rate
of pay
L e s s than $ 1 2 5 .0 0 _____
$ 1 2 5 .0 0 to $13 7. 50
$13 7. 50 to $16 2. 5 0 ___
$ 162. 50 to $ 187. 50 ___
$ 18 7. 50 to $212. 5 0 ___
$21 2. 50 to $23 7. 50 ___
$23 7. 50 to $26 2. 50 ___
$26 2. 50 to $ 28 7. 50 ___
$28 7. 50 to $3 1 2 . 5 0 ___
$31 2. 50 to $33 7. 50 ___
$33 7. 50 to $36 2. 50 ___
$ 36 2. 50 to $38 7. 50 ___
$38 7. 50 to $41 2. 5 0 ___
$41 2. 50 to $ 4 7 5 .0 0 __
$ 4 7 5 .0 0 to $ 5 2 5 .0 0 __
and up

Employee and
dependent w ife1s
benefits?"
Full cost

Balance of cost
Monthly
contribution
None
$ 1 .2 6
1 .4 4
1 .6 8
1 .92
2 .1 6
2 .4 0
2 .6 4
2 .8 8
3 .1 2
3 .3 6
3 .6 0
3 .8 4
4 .3 2
4 .8 0

Other benefits:
Benefits for employee only, $ 1 .8 0
per month; for employee and chil­
dren, $ 3 . 19; for employee and
spouse, $ 6 .0 2 ; for employee,
spouse, and children, $ 8 .9 0

fo r —
B en efits f o r r e t ir e d em p lo y e e
________ and dependents_________
E m p loyee

C om pany

Hospitalization and
surgical:
Full cost

Life insurance:
Fuil cost

H osp ita liz a tion and
s u r g ic a l:
F u ll c o s t

Life insurance:
Full cost

76
SELECTED
E L IG IBILITY
REQU IREM EN TS
C O M P A N Y , UNION,
AND
D A T E OF INFORM ATION

LIF E INSURANCE

Am ount

Am ount
C a ses
cov ered

In surance

B e fo r e
age

M aintained
S in c la ir O il C o r p o r a tio n

G raduated
a c c o r d in g t o - —

P a id in—
—

A fte r 6 m o n th s'
em ploym en t

O il, C h em ica l and
A tom ic W ork ers

AND

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

If p e rm an en tly and to ta lly d isa b led
New e m p lo y e e s
becom e
e lig ib le —

HEALTH

(M

N onoc;u p a tional;
occu ­
pational

Single
M u ltiDeath d is m e m ­ d is m e m ­
berm en t b erm en t
$ 1 ,0 0 0 $500

$ 1 ,0 0 0

F e b ru a r y 1958

S ocon y M ob il O il
C om pany, I n c . 2

Im m ed iately o r
1st o f fo llo w in g
m onth

O il, C h e m ic a l and
A to m ic W ork ers
January 1958

The B . F . Goodrich
Company
Rubber W orkers
February 1958

Insurance

Annual b a s ic rate o f pay
I. p s s than $6()0
i. 600 to
1,0 0 0
$ 1 ,0 0 0 to $ 1 ,4 0 0
$ 1 ,4 0 0 to $ 1 ,8 0 0
$ 1 ,8 0 0 to $ 2 ,2 0 0
$ 2 ,2 0 0 to $ 2 , 600
$ 2 ,6 0 0 to $ 3 ,0 0 0
$ 3 ,0 0 0 to $ 3 ,4 0 0
$ 3 ,4 0 0 to $ 3 ,8 0 0
$ 3 ,8 0 0 to $ 4 , 200
$ 4 , 200 to $ 4 , 600
$ 4 , 600 to $ 5 ,0 0 0
$ 8 . non to $ 3 ,4 0 0
$ 5 ,4 0 0 to $ 5 , 800
$ 5 ,8 0 0 to $ 6 ,2 0 0
and up

.

..................

..... ..... .
........ _
- .................................. __ ______
_ _____________ .___ ____
........... .
....
............. ..............
.................................
............... . ............. . . ............
... .. _ .....................
. .
................
„ ,..................
................................... ... ...............
_____________________ ___________

Life insurance and Annual earnings
accident and sickL ess than $ 2 ,0 0 0 _ _ _ _ _
less benefits:
__ .
1st of month coin- $ 2 ,0 0 0 to $ 2 ,5 0 0
_ _______ . . . . . . ________
:iding with or next $2 300 to $ 3 ,3 0 0
. .
following 3 months' $ 1 3 0 0 a n d n w p r
amployment

$

60

Insurance
$ 2 ,5 0 0
3 ,000
4,0 0 0
4 .500

60
with
less
than 15
y e a rs '
service

Company provides noncontributory life insurance; makes available additional insurance on a contributory basis




__

800
1 , 60u
2 ,4 0 0
3 ,2 0 0
4 ,0 0 0
4 ,8 0 0
5 ,6 0 0
6 ,4 0 0
7 ,2 0 0
8,0 0 0
8 ,8 0 0
9 ,6 0 0
10,400
11,200
12,000

Other benefits:
After 3 months'
employment

Form erly Socony Vacuum O il Company.

X

__

Installments

N on occupation al;
occu­
pational

Annual b a s ic rate
o f pay

Nonoccupational

Annual earnings

L e s s than $600 ------— $ 400 $ 200
800
400
$ 600 to $ 1 ,0 0 0 _____
$ 1 ,0 0 0 to $ 1 ,4 0 0 ___
1,2 0 0
600
$ 1 ,4 0 0 to $ 1 ,8 0 0 ___
1,600
800
$ 1 ,8 0 0 to $ 2 ,2 0 0 ___ 2 ,0 0 0
1,000
$ 2 ,2 0 0 to $ 2 ,6 0 0 ___ 2 ,4 0 0
1 ,200
$ 2 , 600 to $ 3 ,0 0 0 ___ 2 ,8 0 0
1,400
$ 3 ,0 0 0 to $ 3 ,4 0 0 ___ 3 ,2 0 0
1,600
$ 3 ,4 0 0 to $ 3 ,8 0 0 ___ 3, 600
1,800
2 ,0 0 0
$ 3 , 800 to $ 4 , 200 ___ 4 ,0 0 0
$ 4 ,2 0 0 to $ 4 , 600 ___ 4 ,4 0 0 2 ,2 0 0
$ 4 , 600 to $ 5 ,0 0 0 ___ 4 ,8 0 0
2 ,4 0 0
2, 600
$ 5 ,0 0 0 to $ 5 ,4 0 0 ___
5,200
$ 5 ,4 0 0 to $ 5 ,8 0 0 ___ 5, 600 2,8 0 0
$ 5 ,8 0 0 to $ 6 ,2 0 0 ___
6,000
3 ,000
and up

Less than $ 2 ,0 0 0 ----- $ 2 ,5 0 0 $ 1 ,2 5 0
$ 2 ,0 0 0 to $ 2 ,5 0 0 ___ 3.0 0 0
1,500
$ 2 ,5 0 0 to $ 3 ,5 0 0 ___ 4 .0 0 0
2 ,0 0 0
$ 3 ,5 0 0 and over ____ 4 , 500 2 ,2 5 0

$

400
800
1 ,200
1, 600
2 ,0 0 0
2 ,4 0 0
2 ,8 0 0
3 ,2 0 0
3 ,6 0 0
4 ,0 0 0
4 ,4 0 0
4 ,8 0 0
5,200
5,600
6,000

$ 2 ,5 0 0
3 .000
4 .0 0 0
4 ,500

77
IN S U R A N C E

PLANS

- Continued

HOSPITALIZATION

ACCID EN T AND SICKNESS

D uratidn o f b e n e fits
C a ses
covered

D aily
benefit

E xcep t
A fte r
age—

E xtended
coverage

B e n e fits begin

D ays

B en efits lim ite d

D aily
am ount

M axim um
r o o m and
b oa rd
allow a n ce

E x tra a llow a n ce
o r s e r v ic e

Per
y ea r

P er
d is a ­
b ility

—

X

E m ergen cy
ou t-p atien t
care

E m p loy ee and dependents

(M

(M

n

(M

(M

(*)

(l)
Up to $13

120 days

—

—

$ 1 ,5 6 0

Up to $ 2 0 0 , plus
75 p e r c e n t o f
n ext $ 5 ,0 0 0 o f
ch arges

Up to $ 2 0 0 , plus
75 p e r c e n t o f next
$ 5 ,0 0 0 o f c h a r g e s

E m p lo y e e and dependents

n

(M

N o n o c cu p a tion al

M en— $40 p e r w eek
W om en— $30 p e r w eek

(M

26
w eeks
p e r dis
a b ility

(l)

1st day

(a)

Up to $16

70 days

$ 2 ,5 6 0

Up to $2 0 0 , plus
75 p e r c e n t o f
n ext $ 1 ,8 0 0 o f
ch arges

Up to $ 2 0 0 , plus
75 p e r c e n t o f n ext
$ 1 ,8 0 0 o f c h a r g e s

E m p loy ee and dependents

8th day
S e m i­
p riva te
room

120 days

No a c c id e n t and s ic k n e s s in s u ra n ce b e n e fit p r o v id e d by plan; e m p lo y e e s c o v e r e d b y p a id s ic k le a v e -p la n .




Up to :

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

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

78
SELECTED

S in c la ir O il C o r p o r a tio n
O il, C h e m ic a l and
A to m ic W ork ers
F e b ru a r y 1958

Up to schedule
a llow a n ce
a c c e p te d a s fu ll
paym ent i f annual
in c o m e i s under—

E m p loy ee

O p eration schedule—
s e le c t e d a llo w a n ce s

E m p lo y e e

D ependents

AND

M ED ICAL

SU RG ICAL

C O M P A N Y , UNION,
AN D
D A T E O F INFORM ATIO N

HEALTH

C ov ers
cases
in—

M axim u m s c he dule a llow a n ce H o sp ita l,
$250
*$"250
o f f i c e , h om e,
e ls e w h e r e
T o n s ille c t o m y
Up to $50
U nder age 12,
up to $30 ;
o v e r age 12,
up to $50

Up to sch edu le
a llow a n ce
a c c e p te d a s full
paym ent i f annual
in co m e i s under—

H om e

O ffic e

H ospi­
tal

$3 fo r
ea ch day
of con ­
finem ent

M a x im um
num ber
v is its
S ick n ess A ccid en t
paid
fo r
B en efits begin

Allowance
E ls e ­
w h ere

M axim um
com p en sa tion

$250 p e r d is a b ility

1st day

1st day

$250 p e r d is a b ility

1st day

1st day

$ 3 6 4 p e r d is a b ility

1st day

1st day

M a x im um
num ber
days
paid
fo r

H

A p p en d ectom y
Up to $125
Up to $125

S o c o n y M ob il O il
C om p a n y , I n c . 2

M axim u m s c he dule a llow an ce
$300
$ 30 0

O il, C h em ica l and
A to m ic W o r k e r s

T o n s ille c t o m y
Up to $60
U nder age 12,
up to $36;
o v e r age 12,
up to $60

J a n u a r y 1958

H o sp ita l,
o ffic e , hom e,
e ls e w h e r e

$ 4 fo r
e a ch day
of con ­
finem ent
( 3)

A p p e n d e cto m y
Up to $150
Up to $ 150

The B . F , G o o d rich
Com pany
R u bber W ork ers
F e b ru a r y 1958

M axim u m sch e d u le allo w a n ce H o s p ita l,
$23 0
$250
o ffic e , hom e,
e ls e w h e r e
T o n s ille c t o m y
Up to $ 50
U nder age 12,
up to $30;
o v e r age 12,
up to $50

1st 2
d a y s , up
to $5
p e r day;
th e r e ­
after , up
to $3
per day

120 p e r
d is a ­
b ilit y

A ppende c to m y
IUp to $125
[Up to $125
(b) $3 fo r ea ch day o f con fin em en t m inus s u r g ic a l op e r a tio n allow a n ce,
If s u r g ic a l o p e r a tio n p e r fo r m e d , a llow a n ce is g r e a te r o f (a) $3 fo r e a ch day o f h o sp ita l con fin em en t up to day o f o p e ra tio n ; o r
(b) $4 f o r ea ch day o f con fin em en t m inus s u r g ic a l op e r a tio n allow a n ce.
F o r m e r ly S o co n y V acuum O il C om pany.
g r e a te r o f (a) $ 4 fo r e a ch day o f h osp ital c o n fin e m e n t up to day o f o p e ra tio n ; o r
If s u r g ic a l o p e r a tio n p e r fo r m e d , a llow an ce is




79
INSURANCE

PLANS

- Continued

M A T E R N ITY PROVISIONS

M ED ICAL - Continued
D ependents

Hospi­ E l s e ­
tal
w h ere
$3 fo r
each
day o f
con­
fin e ­
m ent

M axim um
co m p en sation

$250 p e r d is a b ility

S u rgica l

H osp ita liza tion
M a xi­
M a x i­
m um
m um
/other
num ber numbe: p r o v is io n s
A c c i ­ v isits
days
paid
dent
paid
fo r
for

B en efits begin
S ick ­
n e ss

A ccid e n t
and
s ick n e s s

M axim um
r o o m and
board
a llow an ce

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

1st day 1st day

Schedule
E x tra
a llow an ce Amounts
a llow an ce Lump
fo r
and
sum
or
n orm a l limitations
s e r v ic e s
d e liv e r y

B e n e fits ava ila b le to
new ly in su red

E m p lo y e e and dependent

Employee and dependent:

H

If p r e g n a n cy c o m m e n ce s w hile
in s u r e d

I

T“

$150 m a te rn ity a llow an ce

(M

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

$250 p e r d is a b ility

Employee and dependent:
l i ppregnancy
r e g n a n cy ccom
o m m eences
n ces w
^ hile

E m p lo y e e and dependent

1 st day 1st day

in s u re d

(3)

Up to
$10

10
days

Up to $90

Up to
$100

(2)

1st 2
days,
up to
$ 5 pei
day;
th e re ­
a fte r ,
up to
$3 per
day

$364 p e r d is a b ility

1st day 1st day
per

disa­
bility

E m p lo y e e and dependent

R eg u la r
b en efits
fo r 6 w eeks
S e m i- 120
p riv a te days
room

_

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

_

Employee and dependent:

1

1 p r e g n a n cy c o m m e n c e s \
w hile
in s u r e d
Up to $75

If s u r g ica l o p e ra tio n p e r fo r m e d , allo w a n ce is g r e a te r o f (a) $3 fo r e a ch day o f h o sp ita l con fin em en t up to day o f o p e ra tio n ; o r (b) $3 fo r ea ch day o f con fin em en t m in us s u r g ic a l o p e ra tio n a llo w a n ce .
If s u r g ic a l o p e ra tio n p e r fo r m e d , a llo w a n ce is g r e a te r o f (a) $ 4 fo r e a c h day o f h o sp ita l con fin em en t up to day o f o p e ra tio n ; o r (b) $ 4 f o r e a ch day o f con fin em en t m in us s u r g ic a l o p e ra tio n a llow a n ce.
No a c c id e n t and s ick n e s s in su ra n ce 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 pa id s ick -le a v e p lan .




80
SELECTED

(m ust b e at le a s t on group rate b a s is )

C O M PA N Y , UNION,
AND
D ATE OF INFORM ATION
L ife in su ra n ce

E m p lo y e e and dependents

__

A c c id e n ta l
death and
d is m e m o e r m e n t

_

A n e sth e sia a llow a n ce fo r n o n h o sp ita lize d c a s e s —
up to $10 p e r o p e ra tio n

F e b ru a r y 1958

S ocon y M ob il O il
C om p a n y, I n c . 2
O il, C h e m ica l and
A tom ic W o rk e rs
January 1958

D ependents o f r e t ir e d em p lo y e e

R e t ir e d e m p lo y e e
T y p e s and am ounts

O il, C h e m ica l and
A tom ic W ork ers

E m p lo y e e and dependents

A m ount in e ffe c t
im m ediately p r io r
to re tir e m e n t
E m e r g e n c y d ia g n o stic X - r a y allo w a n ce if no o th er
m aintain ed fo r 1
plan b e n e fits a r e p aya ble— up to $10 p e r con d ition
y e a r , then re d u ce c
10 p e r c e n t ann ual­
M a jo r m e d ica l e xp en se allo w a n ce — 75 p e r c e n t o f
ly until am ount
e x p e n s e s in e x c e s s o f o th e r plan b e n e fits during
equals annual
e a ch m e d ica l p e r io d o f 12 m on th s, w hich is in e x ­
s a la r y im m e d i­
c e s s o f " d e d u c t ib le " ;3 m axim um — $ 5 ,0 0 0
a te ly p r io r to r e ­
tire m e n t

A m ount in
e ffe c t im m e d ia te ly p r i o r to
r e tir e m e n t

\
H o s p ita liz a tio n

S u rg ica l

R u bber W ork ers
F e b ru a r y 1958

D ia gn ostic X - r a y allow an ce fo r n on h osp italized
cases;
E m p lo y e e — up to $70 per con d ition
D ependents— up to $70 during any 12 c o n s e c u tiv e
m onths; total ap p lica b le to all dependents

R e tir in g at age 65
with 5 y e a r s '
s e r v ic e :
50 p e r c e n t o f
am ount in e ffe c t
im m e d ia te ly p r io r
to r e tir e m e n t

W ith 5
W ith 5 c o n c o n tin u - tinuous
ous y e a r s ' y e a r s ' plan
plan p a r - p a r t ic ip a ticip a tion tion p r io r
p r io r to to r e t i r e m ent:
r e t ir e m ent:
Sam e as
Sam e as f o r a c tiv e
f o r a c tiv e em p lo y e e
e m p lo y e e but lim ite d
but lim it ­ during r e ­
ed during tir e m e n t to
total o f
r e t ir e ­
$250
m ent to
total o f
$250

W ith 5 contin uous
y e a r s ' plan p a r t i c i pation p r io r to
re tir e m e n t:
Sam e as f o r a c tiv e
e m p lo y e e

W ith 5
con tin u ou y e a r s '
plan p a r ticip a tion
p r io r to
r e t ir e m ent:
Sam e as
f o r a c tiv e
e m p lo y e e

(4 )

___

M e d ica l

W ith 5 contin uous
y e a r s ' plan p a r tic i p ation p r io r to
r e tir e m e n t:
Sam e a s f o r a c tiv e
e m p lo y e e but lim it ­
ed during r e t ir e ­
m ent to total o f
$ 1 ,5 6 0 f o r r o o m
and b o a r d and
$ 3 ,9 5 0 f o r s p e c ia l
s e r v ic e s

a

( 4)

The B . F . G o o d rich
C om pany

AND

EXTENSION OF BENEFITS TO—

O TH ER B E N E F IT S 1

S in c la ir O il C o r p o r a tio n

HEALTH

Sam e as f o r a ctiv e
e m p lo y e e

L ife
in su ra n ce

__

W ith 5 c o n tinuous
y e a r s ' plan
p a r t ic ip a tion p r io r
to r e t i r e m ent:
Sam e as
f o r a c tiv e
em p lo y e e

H o s p ita li­
z ation

S u r g ic a l

M e d ica l

Sam e as
S am e a s
Sam e as
f o r r e t ir e d f o r retiree f o r r e t ir e d
e m p lo y e e
e m p lo y e e em p lo y e e

Sam e as
Sam e as S am e as
fo r r e t ir e d f o r retired f o r r e t ir e d
em p lo y e e
e m p loy ee e m p lo y e e

( 4)

Sam e as Sam e as
fo r a ctiv e f o r activ e
e m p loy ee em p lo y e e

—

Sam e as Sam e as
Sam e as
fo r r e t ir e d f o r retiree fo r r e t ir e d
e m p loy ee e m p loy ee
em p loy ee

1 Such b en e fits as X - r a y , a n esth esia , and e le c t r o c a u io g r a m allo w a n ce s m ay be p ro v id e d under so m e p la n s, although not lis t e d h e r e . R e a s o n s f o r not lis tin g su ch b e n e fits a r e s e t fo r t h in
E X P L A N A T O R Y N OTES.
2 F o r m e r ly S o co n y V acuum O il C om pany.
3 "D e d u c tib le " is $75 if earn in gs are le s s than $ 1 0 ,0 0 0 .
s u r g ic a l, and m e d ica l b en efits (in clu din g X - r a y b en efit) during r e t ir e m e n t lim ite d to
4 E m erg en cy -tia. n o s tic X - r a y be.-i-Tit a ls o p ro v id e d r e t ir e d em p lo ye e and d epen den ts. T otal am ount o f h o sp ita l
$ 4 , 400,




81
IN S U R A N C E

PLANS

- Continued

FINANCING
B en efits f o r
em p loy ee

B e n e fits f o r e m p lo y e e 's
depen dents

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

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

Am ount o f con tribu tion
B e n e fits f o r e m p lo y e e and dependents

C om pany
Join tly
only

C om pany
E m p lo y e e Com pany
C om pany
E m p loyee
Jointly
Join tly E m p lo y e e
Jointly
only
only
only
on ly
only
only

X

X

X

X

X

X

X

X

E m p lo y e e

Com pany

B a lan ce o f c o s t
B en efits f o r e m p lo y e e o n ly , $ 1 .7 0
p e r m onth; fo r e m p lo y e e and
c h ild r e n , $ 4 .0 5; fo r e m p lo y e e and
w ife o r e m p lo y e e , w ife , and c h ild r e n ,
$ 4 .5 5

B a la n ce o f c o s t 1
L ife and a c c id e n ta l death and d i s m e m b e rm e n t in s u r a n c e 1 :
Annual b a s ic
M onthly
rate o f p a y
con tribu tion

fo r —
B en efits f o r r e tir e d e m p loy ee
and dependents
E m p loyee

C om pany

B en efits f o r em p loy ee B a la n ce o f c o s t
on ly , $ 1 .1 5 p e r m onth;
f o r e m p loy ee and
c h ild r e n , $ 3 ; fo r
em p lo y e e and w ife o r
e m p lo y e e , w ife , and
c h ild r e n , $ 3 .5 0

F u ll c o s t

L e s s than $600 ___________ $ 0 .4 0
$600 to $ 1 ,0 0 0 ..... ........................48
_____
1 .20
$ 1 ,000 to $ 1,4 0 0
$ 1 ,400 to $ 1,8 0 0
_____
1. 60
$ 1 ,800 to $ 2 ,2 0 0 _______
2 .0 0
$ 2 ,2 0 0 to $ 2 ,6 0 0 _______
2 .4 0
$ 2 ,6 0 0 to $ 3 ,0 0 0 _______
2 .8 0
_____
3 .2 0
$ 3 ,0 0 0 to $ 3 ,4 0 0
$ 3 ,4 0 0 to $ 3 ,8 0 0 _______
3. 60
$ 3 ,8 0 0 to $ 4 ,2 0 0
_____
4 .0 0
$ 4 ,2 0 0 to $4 , 600
..........
4 .4 0
$4 , 600 to $ 5 ,0 0 0
____
4 .8 0
$ 5 ,0 0 0 to $ 5 ,4 0 0
_____
5 .2 0
$ 5 ,4 0 0 to $ 5 ,8 0 0 _______
5. 60
$ 5 ,8 0 0 to $ 6 ,2 0 0 ..............
6 .0 0
and up
M a jo r m e d ica l e xp en se b en efit:
F u ll c o s t — b e n e fit f o r e m p lo y e e
o n ly , $ 1 .0 4 p e r m onth; f o r em p lo ye e
and d ep en d en ts, $ 2 . 68
O ther b e n e fits :
B e n e fits f o r e m p lo y e e o n ly, $ 1 . 68
p e r m onth; f o r e m p lo y e e and
d e p e n d e n ts, $ 6 .3 6
X

X

X

X

1 A t a ge 65, e m p l o y e e 's co n trib u tio n s f o r life and a c c id e n ta l death and d is m e m b e rm e n t in su ra n ce c e a s e ; co m p a n y pays fu ll c o s t .




F u ll c o s t

F u ll c o s t

82
SELECTED

E L IG IB IL IT Y
REQU IREM EN TS
C O M P A N Y , UNION,
AND
D A T E O F INFORM ATION

A fte r 3 m o n th s'
em p lo ym e n t

R u b b er W ork ers
F e b r u a r y 1958

U nited States R u b b e r
C om pany

Am ount
B e fo r e
age—

L ife in su ra n ce :
A ft e r 3 m o n th s'
e m p loym en t

65

B e fo r e a ge 65:
B a s ic h o u r ly rate

Insurance

__
_
L e s s than $ 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 to $ 1 .6 2
.................................
$ 1 .6 2 and ove r _________________________

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

$4*5001

65

R u bber W orkers
F e b r u a r y 1958

In su ran ce is —

A c c id e n t and s i c k n e s s b e n e fits :
1st o f 2d m onth
fo llo w in g m onth in
w hich e m p lo y m e n t
be gin s

1st day o f p a y r o ll $1,000
p e r io d fo llo w in g
1 y e a r 's s e r v ic e

U nited Shoe W ork e rs
M arch 1958

A d dition al in su ran ce p ro v id e d on a c o n tr ib u to r y b a s is




60

C ases
covered

P a id in—

G raduated
a c c o r d in g to—

M u ltiSingle
Death d is m e m ­ d is m e m ­
b erm en t berm en t

Until age 65.
th e r e a fte r , 50
percen t of
am ount in e ffe c t

N o n o c cu - B a sic h o u r ly rate
p ational
L ess than $ 0 . 9 0 _____ $ 2 ,0 0 0 $ 1 ,0 0 0
1 .2 5 0
$ 0 .9 0 to $ 1 .0 8 . . .
. 2 .5 0 0
3 .0 0 0
1,500
$ 1 .0 8 to $ 1 . 2 6 ______
1,750
$ 1 .2 6 to $ 1 . 4 4 ______ 3 .5 0 0
$ 1.44 to $ 1 . 6 2 ______ 4 .0 0 0
2 ,0 0 0
$ 1 .6 2 and o v e r ______ 4 .5 0 0
2 .2 5 0

Until a g e 65,
then re d u c e d to
50 p e r c e n t o f
total am ount in
e ffe c t o r $ 2 ,7 5 0 ,
w h ich e v e r is
le s s

N o n o c cu pational

O th er b e n e fits :
1st o f 3d m onth
fo llo w in g m onth in
w h ich em p lo ym e n t
be gin s

T he F lo r s h e im Shoe
C om pany

Am ount

If p erm a n en tly and to ta lly d isa b led

M aintained
The F ir e s t o n e T ir e and
R u b b er C om pany

AND

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

L IF E INSURANCE

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

HEALTH

X

$ 4 ,5 0 0 $ 2 ,2 5 0
(l )

(M

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

$ 4 ,5 0 0

(M

83
IN S U R A N C E

PLANS

- Continued

ACCID EN T AND SICKNESS

D uration o f b e n e fits
C a s es
covered

N o n o ccu p a tion al

M en— $40 p e r w eek
W om en— $32 p e r w eek

M en— $ 4 0 p e r w eek
W om en— $30 p e r w eek

H

N o n o ccu p a tion al

$25 p e r w eek

26
w eek s
per d is ­
a b ility

60

26
w eeks
p e r dis
a b ility

60

13
w eeks
per d is ­
a b ility

60

D aily
benefit

D ays

B e n e fits lim ite d

26 w eeks during
any 12 c o n s e c u ­
tive m onths

1st day

S e m i­
p riva te
room

26 w eeks during
any 12 c o n s e c u ­
tive m onths

1st day

1st day

E xtra a llow an ce
o r s e r v ic e

F u ll c o s t o f
s p e c ifie d s e r v ic e s

120 days

Per
y ea r

Per
d is a ­
b ility

E m ergen cy
ou t-patien t
care

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

E m p loy ee and dependents

8th day

S e m ip rivate
room

13 w eek s during
any 12 c o n s e c u ­
tive m onths

D aily
am ount

M axim um
ro o m and
b oa rd
a llow an ce

E m p loy ee and dependents

8th day

F u ll c o s t o f
s p e c ifie d s e r v ic e s

120 days

E m p loy ee and dependents

8th day
Up to $ 12

In States having te m p o r a r y d is a b ility la w s, b en efit re d u ce d by am ount r e c e iv e d under State la w s .
A ls o p rovid e d in c o n n e ctio n with s u r g e r y p e r fo rm e d in ou t-p atien t departm ent.




E xtended
coverage

B e n e fits begin

E x cep t
A fte r
age—

N on occu p a tion al

H O SPITALIZATIO N

31 days

$372

Up to $180

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

SELECTED

The F ir e s t o n e T ir e and
R u b b er C om pany
R u bber W o rk e rs
F e b ru a r y 1958

Up to schedule
a llow an ce
a c c e p te d a s fu ll
paym ent i f annual
in co m e is under—

Employee

O peration schedule—
s e le c t e d a llo w a n ce s
C ov ers
cases
E m p lo y e e

D ependents

AND

MEDICAL

SU RGICAL

C O M P A N Y , UNION,
AND
D A T E OF INFORM ATIO N

H EALTH

in—

M axim um sch ed u le a llow an ce H o sp ita l,
$250
"$250
o f fi c e , h o m e ,
e ls e w h e r e
T o n s ille c t o m y
Up to $50
U nder a ge 12,
up to $30;
o v e r age 12,
up to $50

Up to sch edu le
a llow a n ce
a c c e p te d a s full
paym ent i f annual
in c o m e i s under—

Home

Office

H ospi­
tal

M axiliiaximum
number number
days
Sickness Accident visits
paid
paid
fo r
fo r
Benefits begin

Allowance
E ls e ­
where

Maximum
compensation

1st 2
d a y s , up
to $5
per day;
th e r e ­
a fte r , Uf
to $ 3
per day

$ 36 4 p e r d is a b ility

1st day

1st day

120 per
disa ­
bility

1st 2
d a y s, up
to $5
p e r day;
th e r e ­
a ft e r , up
to $3
per day

$ 3 6 4 p e r d is a b ility

1st day

1st day

120 per
disa­
bility

A p p en d ectom y
Up to T 1 2 5
|Up to $125

U nited States R u bber
Com pany
R u b b er W ork ers
F e b ru a r y 1958

M axim um sch ed u le a llow an ce H o sp ita l,
o f fi c e , h om e
e ls e w h e r e
T o n s ille c t o m y
Up to $50
U nder age 12,
up to $30;
o v e r age 12,
up to $50

fisc----------f$aso------------

A p pen dectom y
Up to $12 5
|Up to $125

The F lo r s h e im Shoe
C om pany
U nited Shoe W o rk e rs

M axim um sch e d u le a llo w a n ce H o sp ita l,
$150
o f fi c e , h o m e ,
e ls e w h e r e
T o n s ille c t o m y
Up to $25
Up to $25

T150

M a rch 1958




A p p en d ectom y
Up to $100
Up to $100

85
INSURANCE

PLANS

- Continued

M E D IC A L - Continued

M A T E R N IT Y PROVISIONS

D ependents

H o s p i­ E l s e ­
tal
w h ere

S u rg ica l

H o sp ita liza tio n
M axi­
M axi­
m um
m um
Other
num ber num ber p r o v is io n s
A c c i ­ v is its
days
paid
dent
paid
fo r
fo r

B e n e fits begin
M axim um
com p e n sa tio n

S ick ­
n ess

1st 2
days
up to
$55 per
day,
th e r e ­
a fte r,
up to
$3 per
day

$364 p e r d is a b ility

1st 2
days,
up to
$5 per
day;
th e r e ­
a fte r,
up to
$3 p e r
day

$36 4 p e r d is a b ility

1st
day

1st
day

1st
day

1st
day

120 per
d is a ­
b ility

120 per
d is a ­
b ilit y

A c c id e n t
and
s ick n e s s

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

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

R e g u la r
b e n e fits
for 6
w eeks

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

M axim um
r o o m and
b oa rd
allo w a n ce

E m p lo y e e and dependent

Sem i 120
p riv a te days
room

_

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

_

Up to $75

E m p lo y e e and dependent
120
Sem i
pri vate days
room

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

—

E m p loy ee and depen dent:
If p regn an cy c o m m e n c e s w hile
in s u r e d
Up to $75

E m p lo y e e and depen dent:
Im m ed iately

E m p lo y ee

Up to
$12

14
days

$168

Up to $50

Up to
$12




plus

ch a rg e s fo r e x tr a s e r v ic e s lim ite d to it>120.

—

(M

Up to d if­
fe r e n c e
betw een
total r o o m
and b o a rd
ch a r g e s
and $ 120

B e n e fits a vailable to
new ly in su red

E m p lo y e e and depen dent;
If p reg n a n cy c o m m e n c e s w hile
in s u r e d

__

Up to $ 50

—

Up to $ 50

D ependent

T ota l r o o m and b o a r d c h a r g e s ,

M ed ica l

Schedu le
E x tra
allow a n ce A m ou n ts
a llow a n ce Lump
and
fo r
sum
or
n orm a l lim ita tion s
s e r v ic e s
d e liv e r y

__

86
SELECTED

C O M P A N Y , UNION,
AN D
D A T E O F INFORM ATIO N

D ependents o f r e tir e d em p loy ee

R e tir e d em p lo ye e
T y p e s and am ounts
L ife in su ra n ce

R u b b er W o r k e r s

AND

EXTENSION O F BE N E FITS TO —
(m ust be at le a s t on group rate basis).

O TH ER BE N E FITS 1

The F ir e s to n e T ir e and
R u b b er C om pany

HEALTH

A c c id e n ta l
death and
d is m e m b e rm e n t

H o sp ita liza tio n

S u rgica l

M ed ica l

L ife
in su ra n ce

H os p ita li­
zation

S u rg ica l

M e d ica l

D ia g n o stic X - r a y a llo w a n ce f o r n o n h o sp ita lize d
cases;
E m p lo v e e — up to $70 p e r co n d itio n
D ependents— up to $70 during any 12 co n s e cu tiv e
m on th s; total a p p lica b le to a ll dependents

50 p e r c e n t o f
am ount in e ffe c t
im m e d ia te ly p r io r
to r e tir e m e n t

Sam e as f o r a ctiv e
e m p lo y e e

Sam e as Sam e as
f o r a c tiv e f o r a ctiv e
e m p loy ee em p loy ee

Sam e as
Sam e as Sam e as
fo r r e t ir e d fo r r etiree f o r r e t ir e d
em p loy ee e m p loy ee
e m p loy ee

D ia g n o stic X - r a v allo w a n ce f o r n o n h o sp ita lize d
ca ses:
E m p lo y e e — up to $70 p e r co n d itio n
D ependents— up to $70 during any 12 c o n s e c u tiv e
m on th s; total a p p lica b le to all dependents

R e tir in g at age 65:
50 p e r c e n t o f total
am ount in e ffe c t
im m e d ia te ly p r io r
to r e tir e m e n t o r
$ 2 ,7 5 0 , w hichever
is le s s

S am e a s f o r a c tiv e
e m p lo y e e

Sam e as Sam e as
f o r activ e f o r a c tiv e
e m p loy ee e m p loy ee

Sam e as
Sam e as
Sam e as
f o r r e t ir e d f o r r e tir e e f o r r e t ir e d
e m p loy ee
e m p loy ee em p loy ee

F e b ru a r y 1958

U nited States R u b b er
C om pany
R u b b er W o r k e r s
F e b ru a r y 1958

R e tir in g p r io r to
age 65 due to
d is a b ility :
A m oun t o f n o n co n ­
tr ib u to r y in s u r ­
an ce in e ffe c t at
r e tir e m e n t m a in ­
tained until age 65,
then re d u c e d as
stated above 2

The F lo r s h e im Shoe
C om pany
United Shoe W o rk e rs
M a rch 1958

1 Such b en e fits as X - r a y , an e sth e sia ,a n d e le c t r o c a r d io g r a m a llo w a n ce s m ay be p ro v id e d under so m e p la n s, although not lis t e d h e r e . R e a s o n s f o r not lis tin g t uch b en efits are s e t fo rth m
E X P L A N A T O R Y N O TES.
2 E m p loy ee r e tir in g f o r o th e r than d is a b ility m ay contin ue o n e -h a lf o f c o n tr ib u to r y in su ra n ce in e x c e s s o f $500 at sam e p re m iu m rate as fo r activ e e m p lo y e e .




87
IN S U R A N C E

PLANS

- Continued

FINANCING
B en efits f o r
em p loy ee

B e n e fits fo r e m p lo y e e 's
dependents

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 fits ,fo r dependents
o f r e tir e d em p lo ye e

A m ount o f con tribu tion
B e n e fits fo r em p lo ye e and dependents

Com pany
Jointly
only

E m p lo y e e Com pany
C om pany
E m p lo y e e Com pany
E m p loyee
Jointly
Jointly
Join tly
on ly
only
only
only
only
only

X

X

X

X
(M

E m p lo ye e

Com pany

fo r —
B en efits f o r r e t ir e d em p lo y e e
and dependents
E m p loyee

X

X

F u ll c o s t

F u ll c o s t

X

X

F u ll c o s t

F u ll c o s t

(X)

X

X

B a lan ce o f c o s t
B e n e fits f o r e m p lo y e e on ly o r
e m p lo y e e and one dependent— $ 0 . 98
p e r m onth; fo r e m p lo y e e and m o r e
than one dependent— $ 1 .9 6

X $ 1 ,0 0 0 additional life in su ran ce available to e m p lo y e e at c o s t o f 6u cen ts per m onth.
E m p loye e re tir in g fo r o th er than d isa b ility m ay continue o n e -h a lf o f co n trib u to ry group life in su ra n ce in e x c e s s o f $50u at sam e p rem iu m rate as fo r activ e e m p lo y e e .




C om pany

( 2)

88
SELECTED
ELIG IB IL IT Y
REQU IREM EN TS
C O M PA N Y , UNION,
AND
D A TE OF INFORM ATION

LIFE INSURANCE

Am ount
Before
age—

Insurance is—

60

Amount
C ases
covered

Graduated
according to—

Paid in—

Maintained
$500
L u ggage and lea th e r good s A fte r 90 days*
in d u stry , va riou s
union m e m b e r s h ip
e m p lo y e r s
and c o v e r e d
em ploym en t
L e a th e r G o o d s , P la s tic
and. N ovelty W ork e rs
N ational Plan

-

A fte r 3 m o n th s'
em ploym en t

$ 2 ,0 0 0

1st o f m onth f o l ­
low in g 1 month* s
em p lo ym e n t

$ 1 ,0 0 0

A fte r 3 m o n th s '
em pl oym ent

P r i o r to n o rm a l re tir e m e n t a^e:
$ 1 ,0 0 0 1
:

65

United Shoe W ork e rs

F o r 1 y e a r (o r
f o r p e r io d in ­
su re d i f le s s that
I ye a r)

M a rch 19 IS

M a ssa ch u setts L e a th e r
M a n u fa c tu r e r s 1
A s s o c ia tio n

At any
age

X

L ea th er W o r k e r s ;
M eat Cu tters
January 1958

M in n esota M ining and
M anufacturin g Com pany
O il, C h e m ica l and
A to m ic W ork ers

60

Lu m p sum

A t n o rm a l r e tir e m e n t age:
Am ount equa’ to 1 p e r c e n t o f am ount in e ffe c t p r io r to
n o rm a l re tir e m e n t age fo r each y e a r o f s e r v ic e

January 195b

1 A ls o , a s p e c ia l ieath b en efit is paid to the




Multi­
Single
Death dism em ­ dism em ­
berment berment

X

A p ril 19 IS

Intern ation al Shoe
C om pany

AND

ACCIDENTAL DEATH AND DISMEMBERMENT

If permanently, and totally disabled
N ew e m p lo y e e s
becom e
e lig ib le —

HEALTH

^pendent b e n e fic ia r y but not n e c e s s a r ily on a ll deaths: additional in su ran ce is

nrr»vid«»d rm a r n n t » i w « « , K , , 7

89
IN S U R A N C E

PLANS

- Continued

H O SPITALIZATIO N

AC CID EN T AND SICKNESS

D uratidn o f b e n e fits
C a ses
covered

E xcep t

Am ount
P e r io d

N on occu p a tion al

N on occu p a tional

N on occu p a tional

N o n o ccu p a tion al

50 p e r c e n t o f w e e k ly w age—
M in im um — $ 10
M axim um — *45

M en— $ 2 5 p e r w eek
W om en— $1 5 p e r w eek

$25 p e r w eek

A fte r
age—

A ccid e n t

20
w eeks
per d is ­
a b ility

8th day

13
w eeks
per d is ­
a b ility

1st day

Sickne s s

W eekly 26
b e n e fit w eeks
per d is ­
ab ility
1st 13 w eek s:
L e s s than $ 1 ,8 0 0 ----- $15
$ 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 w eek s p e r
year

$ 23 2. 50

31 days

$248

31 days

60 days

Up to $15

j

P er
d is a ­
b ility

E m ergen cy
ou t-patien t
care

Up to $ 3 7 . 50

X

Up to $ 160 1

X

Up to $160

60

Up to $7.50 $ 1 ,3 5 0

F u ll c o s t o f
s p e c ifie d
s e r v ic e s

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 ro v id e d

E m p loy ee and dependents

-ith day

T h e re a fte r :
L e s s tkan $ 3 ,0 0 0 ___ $15
$ 3 ,0 0 0 to $ 3 ,4 0 0 ___
20
$ 3 ,4 0 0 to $ 3 ,8 0 0 ___
25
$ 3 ,8 0 0 and o v e r -----30

P er
year

E m p loy ee and dependents

8th day

4th day

E x tra allow a n ce
o r s e r v ic e

E m p lo y e e and dependents

8th day

1st day

Inclu des X - r a y c h a r g e s in c u r r e d in d o c t o r 's o f fic e b e ca u s e o f an accid e n t,

D ays

D aily
am ount

M axim um
r o o m and
b oa rd
allow a n ce

E m p lo y e e on ly

Up to $ 1 5

26 w eeks during
any 12 c o n s e c u ­
tive m onths

D uration

8th day

Up to $8

60




D aily
benefit
or
s e r v ic e

$ 7 .5 0

13
w eeks
per d is ­
a b ility

T ota l annual
ea rn in gs

B e n e fits lim ite d
to—

E xtended
coverage

B e n e fits begin

140 days

$ 2 ,1 0 0

F u ll c o s t o f
s e r v ic e s

9 0

SELECTED

Up to schedule
allo w a n ce
a c c e p te d a s fu ll
paym ent i f annual
in c o m e is under—

L u ggage and lea th e r
g ood s in d u s tr y , v a r io u s
e m p lo y e r s

D ependents

M axim u m
sch ed u le
a llo w a n ce
$200

L ea th er G o o d s , P la s t ic
and N ovelty W ork e rs
N ational P lan

E m p loy ee

O p e ra tio n sch edu le—
s e le c t e d a llo w a n ce s

E m p lo y e e

AND

M ED ICAL

SU RG ICA L

C O M P A N Y , UNION,
AN D
D A T E O F IN FOR M ATIO N

LEALTH

C ov ers
cases
in—

Up to sch edu le
a llow a n ce
a c c e p te d a s full
paym ent i f annual
in c o m e i s under—

H om e

O ffic e

H o s p i­
tal

M a x im um
num ber
v is it 8
S ick n es s A ccid en t
pa id
fo r
B en efits begin

A llo w a n ce
E ls e ­
w h ere

M axim um
com p en sa tion

M a x im um
num ber
days
p aid
fo r

H o sp ita l,
o f fic e , h om e
e ls e w h e r e

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

A p r il 1958

A p p e n d e cto m y
Up to $100

Intern ation al Shoe
C om pa n y

M axim u m sch ed u le a llow an ce H o sp ita l,
$200
$200
o f fi c e , h o m e ,
e ls e w h e r e
T o n s ille c t o m y
Up to $30
Up to $30

U nited Shoe W o r k e r s

$3 fo r
each
day o f
co n fin e'
m ent

93 p e r d is a b ility

1st day

1st day

31 p e r
d is a ­
b ility

1st day,
up to
$ 10 ;
the re a ft e r ,
up to
$5 p e r
day

$605 per d isa b ility

1st day

1st day

120 per
d is a ­
b ility

$ 3 fo r
ea ch
day o f
c o n fin e ­
m ent

$420 p e r d is a b ility

1st day

1st day

140 p er
d is a ­
b ility

M a rch 1958
A p p e n d e cto m y
Up to $100
Up to $ 100

M a s s a ch u s e tts L e a th e r
M a n u fa ctu rers 1
A s s o c ia t io n

$ 5 ,0 0 0

L e a th e r W o r k e r s ;
M eat C u tters

$ 5 ,0 0 0
M axim u m sch ed u le a llo w a n ce H o sp ita l,
o ffic e , hom e,
$300
$300
e ls e w h e r e
T o n s ille c t o m y
Up to $30
Up to $50

Jan uary 1958
A p p e n d e cto m y
Up to $125
Up to $125

M in n esota M ining and
M an ufacturin g C om pany
O il, C h e m ic a l and
A to m ic W o rk e rs
Jan uary 1958

1 If s u r g ic a l o p e r a tio n p e r fo r m e d ,
a llo w a n c e .




M axim u m sch ed u le a llo w a n ce H o s p ita l,
$ 300
o ffic e , hom e,
e ls e w h e r e
T o n s ille c t o m y
Up to $45
Up to $45
Append e c t o m y
Up to $150
Up to $ 150

a llo w a n ce is g r e a t e r o f (a) $3 f o r ea ch day o f h osp ital co n fin e m e n t up to day o f o p e ra tio n ; o r (b) $3 f o r e a ch day o f con fin em en t m in us s u r g ic a l op e r a tio n

9 1

IN S U R A N C E

PLANS

- Continued

M E D IC A L - Continued

M A T E R N ITY PROVISIONS

D ependents
A llow a n ce
H om e

O ffice

H o s p i­ E l s e ­
tal
w h ere

Ho sp ita liza tio n
M a x i­ M a x i­
m um
m um
O ther
num ber num ber p r o v is io n s
A c c i ­ v is its
days
paid
dent
paid
fo r
fo r

B e n e fits begin
M axim um
co m p en sation

S ic k ­
n ess

A ccid e n t
and
s ick n e ss

R eg u la r
b en efits
fo r 6
w eeks

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

$ 93 p e r d is a b ility

1st day ls t d a y

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

M axim um
r o o m and
b oard
a llow a n ce

S u rg ica l

E m p lo y e e on ly
$ 7 .5 0

14
days

31 p e r
d is a ­
b ility

$105

M ed ica l

Schedule
E x tra
a llow a n ce A m ounts
a llow an ce Lump
fo r
and
sum
or
n orm a l lim ita tion s
s e r v ic e s
d e liv e ry

B e n e fits av a ila b le to
new ly in su red

E m p loy ee:
Im m ed ia tely

Up to
$ 3 7 . 50

E m p lo y e e and dependent

E m p lo y e e and dependent:
If p r e g n a n cy c o m m e n c e s w hile
in su red

i1
1
1
$ 100 m a tern i ty allow anc :e

(M

1st day,
up to
$ 10;
th e r e ­
a fte r,
up to
$5 p e r
day

$60 5 p e r d isa b ility

1st day 1st day

120 per
d is a ­
b ility

$3 fo r
e a ch
day o f
con ­
f in e ­
m en t

$420 p e r d is a b ility

1 s t day ls t d a y

140 per
d is a ­
b ilit y

1 If s u r g ica l o p e ra tio n p e r fo r m e d ,
a llo w a n c e .




R eg u la r
b e n e fits
fo r 6
w eeks

E m p lo y e e and dependent:
H osp ita liz a tion and s u r g ic a l—
a fte r 9 m onths

E m p lo y e e and dependent

Up to
$15

10
days

$150

F u ll c o s t
of serv­
ic e s

Up to $75
E m p lo y e e :
A c c id e n t and s ic k n e s s —
im m ed ia tely

allo w a n ce is g r e a te r o f (a) $3 f o r ea ch day o f h o sp ita l co n fin e m e n t up to day o f o p e ra tio n ; o r (b) $3 f o r ea ch day o f con fin em en t m inus s u r g ic a l o p e ra tio n

92
SELECTED

HEALTH

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

O TH ER B E N E F IT S 1
C O M P A N Y , UNION,
AND
D A TE OF INFORM ATIO N

Dependents of retired employee

Retired employee
T y p e s and am ounts
Life insurance

Accidental
death and
di sm em oer ment

Hospitalization

Surgical

Medical

Life
insurance

Hospitali­
zation

Surgical

Medical

L u ggage and lea th e r
good s in d u s try , v a rio u s
e m p lo y e r s
L ea th er G o o a s , P la s t ic
and N ovelty W o rk e rs
N ational P lan
A p r il 1958

In ternation al Shoe
C om pany
U nited Shoe W ork e rs
M a rch 1958

M a ssa ch u setts L e a th e r
M a n u fa c tu r e r s 1
A s s o c ia tio n
L ea th er W o r k e r s ;
M eat C utters
January 1958

M in nesota M ining and
M anufacturin g C om pany
O il, C h em ica l and
A tom ic W ork ers
January 1958

E m p lo y e e and dependents
P o lio a llow a n ce ( fo r h o s p ita liz e d c a s e s only)—
75 p e r c e n t o f e x p e n s e s in c u r r e d within 3 y e a r s
a fte r d ia g n o s is and a fte r b a s ic plan b e n e fits have
be e n exh au sted . C om bin ed m axim u m payable
under b a s ic plan and this b en efit— $ 5 ,0 0 0

R e tir in g at n o rm a l
r e tir e m e n t a ge:
Sam e as f o r activ e
e m p lo y e e

Sam e as f o r activ e
e m p lo y e e but lim it ­
ed during r e t ir e ­
m ent to $500 f o r
e m p lo y e e and
dependents

1 Such b en e fits as X - r a y , an e sth e sia ,a n d e le c t r o c a r d io g r a m a llo w a n ce s m a y be p r o v id e d under s o m e p la n s , although not lis t e d h e r e .
E X P L A N A T O R Y N O T E S.




AND

Same as
for retired
employee

Reasons for not listing such benefits are set forth in

93
INSURANCE

PLANS

- Continued

FINANCING
Benefits for
employee
Company
Jointly
only

Benefits for em ployee's
dependents

Benefits for retired
employee

Benefits for dependents
of retired employee

c:sHjo“iy

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

Amount of contribution for
Benefits for employee and dependents
Employee

Em ployee1s benefits:
Life insurance— $ 0 .8 0 per month
Dependents1 benefits:
$ 3 . 2 5 per month

Company

benefits fo r retired employee
_________ and dependents__________
Employee

Company

E m p lo yee's benefits:
Life insurance
balance of cost
Other benefits— full
cost
Dependents 'benefits:
Balance of cost

Full cost— 3 per­
cent of weekly
payroll

X

Full cost

(*)

Employee covered by additional life insurance contributes towards its cost.




94
SELECTED

ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

Im mediately or
1st o f following
month

Glass Bottle B low ers
February 1958

Pittsburgh Plate Glass
Company
Glass and Ceram ic
W orkers

Amount

If permanently and totally disabled
Amount
B efore
age—

Insurance is—
Maintained

O w ens-Illinois Glass
Company

B asic hourly wage
L ess than $ 1.2 5 _
. . .
_
$ 1.2 5 to $ 1 . 6 9 ________________________________
$ 1 .6 9 to $1.93 .
...
................................
$ 1.9 3 to $2.41 . . .
.........................................
___ _
$2.41 and over _ . . .
— ._ — ___

Insurance

60

May 1958

Other benefits:
A fter 1 m onth's
employment

Aluminum Company of
A m erica

A fter 90 days'
employment

$5,000

L ife insurance:
1st of month fo l­
lowing 6 m onths'
employment

B asic annual wage

65

Aluminum W orkers;
Steelw orkers

: Cases
covered

Paid in—
Installments
o r lump sum
(optional)

65

$3,0u0
3,500
4,000
5,000
6,000

Life insurance and $2,000 1
accident and sickness benefits:
A fter 6 months'
employment

AND

ACCIDENTAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

New em ployees
becom e
eligible—

LEALTK

Graduated
according to—

MultiSingle
Death dism em ­ dism em ­
berment berment

N onoccu- Basic hourly wage
pational;
occupa­
L ess than $ 1 .2 5 ____ $3,000 $ l,5 0 o
tional
* 1 .2 5 to $ 1 . 6 9 _____ 3,500 1,750
$1.69 to $ 1 . 9 3 _____ 4,000 2,000
*1 .9 3 to $ 2 . 4 1 _____ 5, 000 2,500
$2.41 and o v e r _____ 6, 000 3,000

$ 3, oOO
3,500
4.000
5.000
6.000

Installments

Until age 65,
then reduced in
same manner as
for retired
em ployee

February 1958

Chd.se B rass and Copper
Company, Inc.
Automobile W orkers
A pril 1958

Additional insurance provided at em ployee's expense.




Insurance

L ess than $ 1,200
$1,000
$1,200 tn $1,800
_ _
___ __
______
1,500
$1,800 to $2,400
...........
2,000
A ccident and
$2,400 to $4,000
.. ..
..................
3,000
sickness benefits: $4,000 to $5,000 ........
............ ................
4,000
After 90 d ays'
$5,000 and over— Amount equal to annual wage taken to
employment
next higher multiple o f $100
Other benefits:
A fter 60 days'
employment

60
and in ­
sured
for 1
year

Installments

N onoccupational

$4,000 $2,000

$4,000

95
INSURANCE

PLANS

- Continued

ACCIDENT AND SICKNESS

H OSPITALIZATIO N

Duration o f benefits
Cases
covered

Amount

Except
P eriod

After
age—

Benefits limited

Accident

Weekly 26
benefit weeks
per dis­
Less than $ 1 . 2 5 ____ $22.00 ability
$ 1 .2 5 to $ 1 . 6 9 ____ 27.50
$ 1 .6 9 to $1.93 ____
33.00
$1,9 3 and over ____
44.00

1st day

Occupational First week, same as above; 13
next 12 weeks, 50 percent of weeks
accidents
above amount
per dis­
only
ability

1st day

Nonoccupa-

8th day

Nenoccupational

Nonoccupational

B asic hourly
wage

$30 per week

$46.50 per week

26
weeks
per dis­
ability

26
Occupational Difference between Work­
men's Compensation benefit weeks
and above amount
per d is ­
ability

Nonoccupational

$40 per week

26
weeks
per dis­
ability

Sickne s s

Daily
benefit
or
service

—

1st day

Days

$310

31 days

21 days

8th day ox
1st in
hospital

1st day

8th day

P er
d isa­
bility

Up to $200

90

50 percent
o f cost of
sem i­
private
room

Full cost of
specified s e rv ­
ice s fo r 1st 21
days; 50 percent
of co st fo r
additional 90 days

$1,800

Up to $300, plus
75 percent of
next $2,400 of
charges

X

Up to $200

X

Required services
provided

X

Up to $300, plus
75 percent of next
$2,400 of charges

X

Required services
provided

Employee and dependents
Up to $15

120 days

$ 1,800

Full cost of
services

1 Hospital S ervice A ssociation of Western Pennsylvania (Blue C ross plan) fo r Creighton, P a ., plant em ployees; em ployees in other plants covered by different program s.




Em ergency
out-patient
care

Employee and dependents
Up to $15 120 days

When
W ork­
m en' 8
Compen­
sation
benefit is
payable

Extra allowance Per
or service
year

Employee and dependents 1

8th day

When
W ork­
m en' s
Compen­
sation
benefit is
payable

Daily
amount

Employee and dependents

Sem i­
private
room

—

Maximum
room and
board
allowance

Duration

4th day
Up to $ 10

26
weeks
per dis­
ability

Extended
coverage

Benefits begin

96
SELECTED

COMPANY, UNION,
AND
DATE OF INFORMATION

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

Operation schedule—
selected allowances

Dependents

Owens-Illinois Glass
Company

Maximum schedule allowance
$200
$200

Glass Bottle Blowers

Tonsillectomy
Up to $30
Up to $30

AND

Employee
C overs
case 8

Employee

H EALTH

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

Allowance
Office

H ospi­
tal

E lse ­
where

$5 fo r
each
day of
confine­
ment

Hospital,
office, home
elsewhere

M aximum
number number
visits
days
Sickness Accident
paid
paid
for
for
Benefits begin

Maximum
compensation

$155 per disability

1st day

Home;
$105 per year

Home
and
o ffice :
4th visit

1st day

—

31 per
U sa­
bility

February 1958
_______ Appendectom y______
Up to $100
|Up to $100

Pittsburgh Plate Glass
Company
Glass and Ceramic
Workers
May 1958

Individual cover­ Maximum schedule allowance Hospital,
Individual cover­
age, $ v, 000;
$300
$300
office, home, age, $ 4 ,0 0 0 ;
fam ily, $ 6 ,0 0 0
fam ily, $ 6 ,0 0 0
elsewhere
T onsillectomy
Up to $50
Up to $50
(M

(X)

Up to
$5 per

visit

Up to
$4 per
visit

(*)

(l>

A p p en d ectom y
Up to $150
Up to $150

(M

(M

1st day,
up to
$15; 2d
day, up
to $10;
3d
through
10th day,
up to $4
per day;
there­
after,
up to $3
per day

—

Office:
$84 per year
Hospital:
$237 per disability

(l)

Hospital:

and
office
21 per
year

Hospital; Hospital:
1st day 1st day
(M

(l)

(l)

(l)
Aluminum Company of
Am erica

Maximum schedule allowance
$300
$300

Aluminum W orkers;
Steelworkers

Tonsillectomy
Up to $ 50
Jp to $ 50

February 1958

Appendectomy
Up to $200
LTp to $200

Chase Brass and Copper
Company, Inc.

Maximum schedule allowance Hospital,
$300
$300
office, home,
elsewhere
Tonsillectomy
Up to $45
Up to $45

Automobile Workers

Hospital,
office, home,
eLsewhere

Up to
$3 per
visit

Up to
$2 per
visit

Up to
$3 per
visit

Up to
$3 per
visit

$150 per disability

April 1958
Appendectomy
Up to $150
Up to $ 150

1 Medical Service Association of Pennsylvania (Blue Shield plan) for Creighton, P a. , plant em ployees; em ployees in other plants covered by different p rogram s.




4th visit 1st visit 1 per

day

70 per
disa­
bility
(M

97
IN S U R A N C E

PLANS

- Continued

MEDICAL - Continued

M ATERNITY PROVISIONS

Dependents
Allowance
Office

Hospi­ E ls e ­
tal
where

Maximum
compensation

$5 for
each
day of
con­
fine­
ment

$155 per disability

1st day,
up to
$15; 2d
day, up
to $10;
3d
through
10th
day, up
to $4
per day;
thereafte r ,
up to
$3 per
day 2

$237 per disability
(2)

Surgical

Ho spitali zation
M axi­
Maxi­
mum
Other
mum
number number provisions
days
A c c i­ visits
paid
paid
dent
for
for

Benefits begin
Sick­
ness

1st day 1st day

1st day 1st day
(2)

(2)

31 per
disa­
bility

70 per 1 indisa­
hospital
bility
bedside
consulta­
tion per
(2)
disability,
up to $ 15

Accident
and
sickness

Daily
benefit Dura­
tion
or
Home
service

Maximum
room and
board
allowance

Employee and dependent

Regular
benefits
for 6
weeks

Employee and dependent 2

Up to
$50

Up to
$100

Full cost
of speci­
fied
services

Benefits available to
newly insured

Employee and dependent:
After 9 months

Regular
benefits
for 6
weeks

Sem i­ 10
private days
room

Medical

Schedule
Extra
allowance Amounts
allowance Lurrp
and
for
or
sum
normal limitations
services
delivery

Employee and dependent:
After 1 year
Up to
$90

(2)

Regular
benefits
for 6
weeks

Employee
Up to
$15

14
days

$210

Up to
$150

Employee and dependent:
If pregnancy commences while
insured
—

Up to
$100

—

Dependent
Up to
$15

$3 for
each
day of
con­
fine­
ment

$150 per disability

1st day 1st day

(3)

Up to dif­
ference
between
total room
and board
charges
and $ 150

Up to
$100

Employee and dependent

Employee and dependent:
If pregnancy commences while
insured

Up to Up to
$125 $ 75

* For nonhospitalized maternity cases $ 60 is provided in lieu of hospital benefit.
Medical'Service Association of Pennsylvania and Hospital Service Association of Western Pennsylvania (Blue Shield and Blue C ross olais) for Creighton, P a. , plant employees; employees in other
plants covered by different programs.
3 Total room and board charges plus charges for extra services limited to $150.




98
SELECTED

COMPANY, UNION,
AND
DATE OF INFORMATION
Life insurance

Glass Bottle Blow ers

Diagnostic X -r a y and laboratory examination
allowance fo r nonhospitalized ca ses— up to $75 per
year

February 1958

Dependents of retired employee

R etired em ployee
Types and amounts

Employee and dependents

Pittsburgh Plate Glass
Company

AND

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

OTHER BENEFITS 1

O w ens-Illinois Glass
Company

HEALTH

—

Accidental
death and
dismemDerment

Hospitalization

Surgical

M edical

Life
insurance

H ospitali­
zation

—

—

—

—

—

—

Same as fo r active
em ployee

$2,000

Same as Same as
fo r active fo r active
em ployee em ployee

Surgical

—

M edical

—

Same as
Same as Same as
for retired for retired fo r retired
em ployee em ployee employee

Glass and C eram ic
W orkers
May 1958

Aluminum Company of
A m erica

_

Aluminum W orkers;
Steelworkers
February 1958

Chase B ra ss and Copper
Company, Inc.
Automobile W orkers
A pril 1958

Employee and dependents
Diagnostic X -r a y allowance (for ca ses in or out o f
hospital, if not entitled to other plan benefits)—
up to $75

Retiring at or
prior to age 65:
Amount in effect
im m ediately prior
to retirem ent r e ­
duced to $3, 500
and maintained
until 66th birthday,
at which time
amount is reduced
$300 and $300
annually thereafter
to minimum of
$2,000

30 p ercent of
amount in effect
im m ediately p rior
to retirem ent or
$ 1,000, whichever
is greater

_

—

_

Same as fo r active
em ployee

_

Same as Same as
fo r active fo r active
em ployee em ployee

1 Such benefits as X -r a y , anesthesiafand electroca rd iogram allowances may be provided under some plans, although not listed here.
EXPLANATORY NOTES.




_

_

_

_

_

Same as Same as
Same as
fo r retired for retiree fo r depend­
em ployee
employee ents o f
active
em ployee

Reasons fo r not listing such benefits are set forth in

99
IN S U R A N C E

PLANS

- Continued

FINANCING
Benefits for
employee

Benefits for em p loyee's
dependents

Benefits fo r retired
employee

Benefits for dependents
of retired employee

Amount of contribution for—
Benefits fo r employee and dependents

Company
Jointly
only

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

X

X

Employee
E m p loy ee's benefits:
Basic hourly
wage
L ess than $ 1 . 2 5 ---------$1.2 5 to $ 1 .6 9
____
$1.6 9 to $ 1 . 9 3 ___ $1.93 to $ 2 . 4 1 _______
$2.41 and over _
__

Company

Benefits fo r retired em ployee
and dependents
Employee

Company

Balance of cost
Monthly
contribution
$2.90
3. 60
4.35
6. 55
7. 30

Dependents' benefits:
One dependent, $1.2 5 per month;
m ore than 1 dependent, $2.00

X

X

X

X

X

X

X

Hospitalization, surgical, and
m edical:
Balance of cost

Life insurance:
Life insurance and
accident and sickness $0.6 0 per month per
$1,000 o f insurance
benefits:
Full c o s t 1
Other benefits:
Full cost
Other benefits:
Benefits fo r employee
only, $4 per month;
for em ployee and
dependents, $9

Life insurance:
Balance o f cost

Dependents' benefits:
Child or children only, $ 0 .6 6
per week, wife only or wife
and children, $1.29

E m p loyee's benefits:
Full cost

Full cost

Dependents' benefits:
Balance of cost

( 2)

X

X

X

X

Life insurance:
$0.60 per month per $ 1,000 of
insurance in excess o f $2,000

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

Full cost

Other benefits:
Full cost

* Employee covered by additional life insurance pays the additional co s t for this covera ge.
Effective August 1958. P rio r to August 1958, em ployee's weekly contribution fo r dependents' benefits was as follow s: Child or children only, $1.14; wife only o r wife and children, $ 1 .7 7 .




100
SELECTED
E L IG IB IL IT Y
REQU IREM EN TS
CO M PA N Y , UNION,
AND
D ATE OF INFORM ATION

LIFE INSURANCE

Am ount

B efore
age—

Immediately or
1st of following
month

February 1958

Weirton Steel Company
Independent Steelworkers
Union
March 1958




Standard hourly base rate

Insurance

$ 1 .9 4
$2.3?.
$ 2 .7 0
$ 3 . 14

$3, 500
4,000
1 4, 500
5,000
5, 500
6.000

to
tn
tn
tn

$ 2 , 3 2 .............................................
$ 2 . 70 _
$ 3 . 14
$ 3 .5 ?

................
............
____ .

Life insurance:
Immediately or
1st of following
month

60

Until age 65,
thereafter same
as for retired
employee

G raduated
a c c o r d in g to—

Paid in—

_

Employee

Annual earnings
(exclusive of bonus)
Other benefits:
L e s s than $ 1 ,5 0 0 .0 1 ...
1st of 3d month
following month of $ 1 ,5 0 0 .0 1 to $ 2 ,0 0 0 .0 1
$ 2 ,0 0 0 .0 1 tr> $2, 500.01
employment
$ 2 . 500.01 to $ 3 ,0 0 0 .0 1
$ 3 ,0 0 0 .0 1 to $3, 500.01
$ 3 ,5 0 0 .0 1 to $ 4 ,0 0 0 .0 1
$ 4 ,0 0 0 .0 1 to $ 4 ,5 0 0 .0 1
$ 4 , 500.01 to $ 5 ,0 0 0 .0 1
$ 5 ,0 0 0 .0 1 to $ 6 ,0 0 0 .0 1
and up

60

__

In stallm en ts

—

—

—

_

__

_

Insurance
.
________________ ________

..................... . ... ________
..................... . ... ___

Am ount
C a ses
coverec

Insurance
Maintained

Bethlehem Steel Company

$ 1, 500
2,000
2, 500
3 ,000
3,500
4 ,0 0 0
4 ,500
5,000
6,000

_

Nonoccupational;
occu­
pa­
tional

_

S in gle
M u lti­
D eath d is m e m ­ d is m e m ­
b erm en t b erm en t

_

_

Annual earn in gs
.e x clu s iv e o f bonus)
L e s s than
$ 1 ,5 0 0 .0 1
$ 2 ,0 0 0 .0 1
$ 2 ,5 0 0 .0 1
$ 3 ,0 0 0 .0 1
$ 3 ,5 0 0 .0 1
$ 4 ,0 0 0 .0 1
$ 4 ,5 0 0 .0 1
$ 5 ,0 0 0 .0 1
and up

$ 1 ,5 0 0 .0 1 ------ $1 ,5 0 0
to $ 2 ,0 0 0 .0 1 2 ,0 0 0
to $ 2 ,5 0 0 .0 1 2, 500
to $ 3 ,0 0 0 .0 1 3 ,0 0 0
to $ 3 ,5 0 0 .0 1 3 ,5 0 0
to $ 4 ,0 0 0 .0 1 4 ,0 0 0
to $ 4 , 500 .01 4 ,5 0 0
to $ 5 ,0 0 0 .0 1 5,0 0 0
to $ 6 ,0 0 0 .0 1 6,0 0 0

$

750
1 ,0 0 0
1 ,2 5 0
1 ,5 0 0
1 ,7 5 0
2 ,0 0 0
2 ,2 5 0
2, 500
3 ,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, 500
5 ,0 0 0
6 ,0 0 0

dependent wife
$ 1 ,0 0 0
Dependent children

Age
14 days to 6 m onths
6 m onths to 2 y e a r s
2 y e a r s to 3 y e a r s
3 y e a r s to 4 y e a r s
4 y e a r s to 5 y e a r s -------4 w a r s to 21 v e a r s

In s u r a n c e

— — __ —______

AND

ACCIDENTAL DEATH AND DISMEMBERMENT

If permanently and totally disabled
N ew e m p lo y e e s
becom e
e lig ib le —

HEALTH

$ 50
100
200
300
400
500

_

101
IN S U R A N C E

PLAN S

- Continued

H O SPITALIZATIO N

AC CID EN T AND SICKNESS

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

Amount

N on occu p a tional

Standard h ou rly
base rate
L e s s than $ '1 .9 4 ____
<t>1 •94 to $ 2 .3 2 _____
$ 2 .3 2 to $ 2 . 7 0 _____
$ 2 .7 0 to $ 3 . 1 4 _____
$ 3 .1 4 to $ 3 . 5 2 _____
$ 3 .5 2 and o v e r _____

D aily
beneiit

E xcep t
P e r io d

A fte r
age—

Extended
coverage

B e n e fits begin
D uration

Days

B e n e fits lim ite d

W eekly 26
b en efit w eeks
per d i s ­
ab ility
$42
45
48
51

1st day

D aily
am ount

M axim um
ro o m and
board
a llow an ce

E xtra allow a n ce
o r s e r v ic e

P er
d is a ­
b ility

E m ergen cy
out-patien t
care

E m p loy ee and dependents

8th day
S eraipriva te
room

F u ll c o s t o f
s p e c ifie d
s e r v ic e s

120 days

X

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

54

57

O ccup ationa l D iffe r e n c e betw een W o rk ­
m e n 's C om p en sation b en efit
and above am ount

N on occu p a tional

O ccu p ation a l
a ccid e n ts
on ly

Annual ea rn in gs
(e x c lu s iv e o f bonu s)

W eekly 26
b en efit w eeks
per d is ­
L e s s than $ 3 ,5 0 0 .0 1 $ 4 2 .0 0 a b ility
$ 3 ,5 0 0 .0 1 to
$ 4 , 5 0 0 . 0 1 ___________
4 9 .0 0
$ 4 , 500.01 to
$ 6 , 0 0 0 . 0 1 ___________
5 6 .0 0
$ 6, 000. 01 and o v e r
5 9.50
D iffe r e n c e betw een W o r k ­
26
m e n ' s C o m pen sation b en efit w eeks
and a b ove am ount
per d is ­
ab ility




60

26 w eek s during
any 12 c o n s e c u ­
tive m onths

8th day
re tro­
a c tiv e to
1st a fte r
21 days
o f d is a ­
b ility

8th day
retro­
a c tiv e to
1st a fte r
21 days
o f d is a ­
b ility

8th day
retro­
a ctiv e to
1st a fte r
21 day 8
o f d is a ­
b ility

E m p loy ee and dependents

Up to $12

70 days

$840

Up to $300

Up to $300

102
SELECTED

HEALTH

AND

MEDICAL

COM PANY, UNION,
AND
DATE OF INFORMATION

Bethlehem Steel Company
Steelworkers
February 1958

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

Employee

Operation schedule—
selected allowances
C overs
cases
Employee

Dependents

Maximum schedule allowance Hospital,
$ 300
$300
office, home,
elsewhere
T onsillectom y
Up to $ 50
Up to $ 50
Appendectomy
Up to $ 150
Up to $ 1 50

Weirton Steel Company
Independent Steelworkers
Union

Maximum schedule allowance Hospital,
$Z 50
$250
office, home,
elsewhere
Tonsillectomy
Up to $45
Up to $45

M arch 1958




Appendectomy
Up to $140
Up to $ 140

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

Office

Hospi­
tal

M axiM aximum
mum
number number
visits
days
Sickness Accident
paid
paid
for
for
Benefits begin

Allowance
E lse ­
where

Maximum
compensation

103
IN S U R A N C E

PLANS

- Continued

M ED ICAL - Continued

M A T E R N ITY PROVISIONS

D ependents

O ffice




H o s p i­ E l s e ­
tal
w h ere

M axim um
com p e n sa tio n

S u rg ica l

H osp ita liza tio n
M axi­
M a xi­
m um
m um
O ther
num ber num be: p r o v is io n s
A c c i ­ v is its
days
dent
paid
paid
fo r
fo r

B e n e fits begin
S ic k ­
ness

A ccid e n t
and
s ick n e s s

R e g u la r
ben e fits
fo r 6
w eeks

R e g u la r
ben e fits
fo r 6
w eeks

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

M axim um
r o o m and
board
allow an ce

M ed ica l

Schedule
E xtra
allow an ce A m oun ts
allow an ce Lump
fo r
and
sum
or
n orm a l lim ita tion s
s e r v ic e s
d eliv e ry

E m p loy ee and depen dent:
H osp ita liz a tion and s u r g ic a l—
a fte r 9 m onths

E m p lo y e e and dependent
S e m i- 10
p riv a te days
room

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

Up to $90
E m p lo y e e ;
A c c id e n t and s ic k n e s s — i f p r e g ­
n an cy c o m m e n ce s w hile in s u r e d

E m p lo y e e and depen dent:
A fte r 9 m onths

E m p lo y e e and dependent

Up to
$12

70
days

$840

Up to
$ 180

B e n e fits a v a ila b le to
new ly in su red

_

Up to $ 85

_

104
SELECTED

COM PANY, UNION,
AND
DATE OF INFORMATION
Types and amounts
Life insurance

S te e lw o rk e rs
F e b ru a r y 195C

Dependents of retired employee

Retired employee

E m p lo y e e and dependents
A n e sth e sia allo w a n ce (fo r s u r g e r y p e r fo r m e d in o r
out o f h o sp ita l by lic e n s e d physician oth er than o p ­
e ra tin g su rg e o n o r his a ss is ta n t o r e m p lo y e e of
h o sp ita l)— if s u r g ic a l b e n e fit is $75 o r un d er, $15;
if s u r g ic a l b e n e fit is o v e r $ 7 5 , 20 p e rce n t o f
s u r g ic a l b e n e fit
D ia gn ostic X - r a y a llow an ce (fo r c a s e s in o r out o f
h o sp ita l)— up to $75 during any 12-m on th p e r io d
D ia gn ostic exam in ation allow an ce (fo r c a s e s in o r
out o f h o sp ita l)— up to $75 during any 12-m on th
p e r io d
R a dia tion th erapy allo w a n ce (fo r c a s e s in o r out o f
h o sp ita l)— up to ^ 7 .5 0 p e r treatm en t; m axim um
allo w a n ce per co n d itio n ran ges fr o m $75 to $200

Accidental
death and
dismemoerment

Hospitalization

Surgical

Medical

Life
insurance

Hospital!'
zation

Surgical

R e tirin g at age 65:
Am ount in e ffe c t
im m e d ia te ly p r io r
to r e tir e m e n t r e ­
du ced a c c o r d in g to
fo llo w in g sch e d u le :
Standard
h ou rly
rate im m e d ia te ly
p r io r to
r e t ir e Am ount
m ent
contin ued
L e s s than
$ 1 . 9 4 ------ $ 1 ,3 0 0
$ 1. 94 to
$ 2 . 3 2 ____ 4 ,0 0 0
$ 2 .3 2 to
$ 2 . 7 0 ____ 4 ,5 0 0
$ 2 .7 0 to
$ 3 . 1 4 ____ 5 ,0 0 0
$ 3 . 14 to
$ 3 . 5 2 ____ 5, 500
$ 3 . 52 and
o v e r --------- 6 ,000
R e tirin g p r io r to
age 65:
Am ount in e ffe c t
im m e d ia te ly p r io r
r e tir e m e n t
m aintained until
age 65; th e r e a fte r ,
sam e as f o r e m ­
ployee r e tir in g at
age 65

Weirton Steel Company
Independent Steelworkers
Union
March 1958

Retiring after age
60 w ith 15 y e a r s
service:
1,25”0 2

Retiring
at normal
retire­
ment age:
day, $279 per year; Same as
allowance for extra for active
service s, up to $200 employee
Retiring at normal

Same as
Same as
for retired for retired
employee
employee

1 Such benefits as X -r a y , anesthesia,and electrocardiogram allowances may be provided under some plans, although not listed here. Reasons for not listing such benefits are set forth in
EXPLAN ATORY NOTES.
Retired employee may continue total amount of insurance (up to «p30,000) in effect immediately prior to retirement by contributing toward cost.




AND

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

OTHER B EN EFITS1

B eth leh em Steel C om pany

HEALTH

Medical

105
IN S U R A N C E

PLANS

- Continued

FINANCING
Benefits for
employee
Company
Jointly
only

Benefits for em ployee's
dependents

Benefits for retired
employee

Benefits for dependents
of retired employee

Amount of contribution for
Benefits for employee and dependents

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

X
(l )

Employee
Standard
hourly
base
rate
L ess than
$ 1 .9 4 .
. „
$ 1 .94 to
$ 2 .3 2 ___ ____
$ 2 .3 2 to
$ 2 . 7 0 ___ ____
$ 2 .7 0 to
$ 3 . 1 4 ___ ____
$ 3 .1 4 to
$ 3 .5 2
$ 3 .52 and
o v e r --------- ____

Company

Monthly contribution Balance of cost—
No
With amount equal to em ­
depend- ployee's contribution
dependents
ents
$ 7 .5 0

Benefits lo r retired employee
_________ and dependents__________
Employee

Company

(l )

(M

$ 9 .50

7 .8 0

9 .8 0

8.1 0

10.10

8 .4 0

10.40

8. 70

10. 70

9 .00

11.00

40 percent of cost

60 percent of cost

Hospitalization and
surgical:'
$ 1 per month
(2 )

Life insurance:
Full cost *
Other benefits:
$ 1 .50 per month
(2 )

Financed by active employee and company contributions; see contribution columns for benefits for employee and dependents.
Deficit, if any, is made up from reserve fund.
Employee continuing total amount of insurance in effect prior to retirement contributes the same amount as an active em ployee.




106
SELECTED
ELIGIBILITY
REQUIREMENTS
COM PANY, UNION,
AND
DATE OF INFORMATION

L IF E INSURANCE

Amount
Before
age—

Insurance ii
Maintained

U nited States Steel
C o r p o r a tio n

Im m e d ia te ly o r
1st o f fo llo w in g
m onth

S te e lw o r k e r s
F e b r u a r y 1958

Standard h o u rly w age rate

Insu ran ce

L e s s than $ 1 .9 4 _______________
$ 1 .9 4 to $ 2 . 3 2 __________________
$ 2 .3 2 to $ 2 . 7 0 __________________
$ 2 .7 0 to $ 3 . 1 4 __________________
$ 3 .1 4 to $ 3 . 5 2 __________________
$ 3 .5 2 and o v e r _________________
(M

Additional insurance prov ded




e e 's expense.

$ 3 ,5 0 0
4 ,0 0 0
4 , 500
5, 000
5, 500
6 , 000

AND

ACCIDENTAL DEATH AND DISMEMBERMENT

If permanently and totally disabled
New employees
become
eligible—

HEALTH

60

Until age 65,
thereafter, same
as fo r r e t ir e d
e m p lo y e e

Amount
C ases
covered

Graduated
according to—

Single
Multi Death dism em ­ dism em ­
berment berment

107
IN S U R A N C E

PLANS

- Continued

H OSPITALIZATIO N

AC CID EN T AND SICKNESS

D uration o f b e n e fits
C a ses
covered

Am ount

N on occu p a tion al

Standard h ou rly
w age rate

_

L e s s than $ 1 . 9 4
$ 1 .9 4 to $ 2 . 3 2 ____
$ 2 .3 2 to $ 2 . 7 0 ____
$ 2 . 70 to $ 3 . 1 4 ____
$ 3 .1 4 to $ 3 .5 2 ____
$ 3 .5 2 and o v e r ____
O ccu p ation a l

W eekly i
b en efit
per d is ­
$42
ability
45
48
51
54
57

D iffe r e n c e betw een W o rk ­
men* s C om p en sation
b en e fit and above am ount




D aily
benefit

E xcep t
A fte r
age—

Extended
coverage

B e n e fits begin

D ays

B en efits lim ite d

1st day

8th day

D aily
am ount

M axim um
r o o m and
b oa rd
a llow an ce

E xtra allow a n ce
o r s e r v ic e

Per
y ea r

P er
d is a ­
b ility

E m ergen cy
ou t-patien t
care

E m p loyee and dependents
S e m iprivate

120 days

F u ll c o s t o f
s p e c ifie d
s e r v ic e s

X

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

108
SELECTED

U nited States S teel
C o r p o r a tio n
S te e lw o r k e r s

Up to sch edu le
a llo w a n ce
a c c e p t e d a s fu ll
paym ent i f annual
in c o m e i s under—

D ependents

C ov ers
cases
in—

M axim um sch ed u le a llow an ce H osp ita l,
$300
$300
o ffic e , hom e,
e ls e w h e r e
T o n s ille c t o m y
Up to $ 50
Up to $ 50

F e b ru a r y 1958




E m p loy ee

O p era tion sch edu le—
s e le c t e d a llo w a n c e s

E m p lo y e e

A p pende c tom y
Up to $150
Up to $150

AND

M E D IC A L

SU RG ICAL

C O M PA N Y , UNION,
AND
D A T E O F IN FORM ATIO N

HEALTH

Up to sch ed u le
allo w a n ce
a c c e p te d a s fu ll
paym ent i f annual
in c o m e i s under—

H om e

O ffic e

H o s p i­
tal

M a x i­
m um
num ber
v is it s
S ick n es s A ccid en t
pa id
fo r
B en efits begin

A llo w a n ce
E ls e ­
w h ere

M axim um
com p en sa tion

M a xi­
m um
num ber
days
pa id
fo r

109
IN S U R A N C E

PLANS

- C on tinued

MEDICAL. - Continued

M A T E R N IT Y PROVISIONS

D ependents

O ffic e




H o s p i­ E l s e ­
tal
w h e re

M axim um
com p e n sa tio n

H o sp ita liz a tio n
M a x iB e n e fits b egin Maxi*
m um
m um
O ther
num ber number]]p r o v is io n s
S ic k ­ A c c i ­ v is its
days
ness
dent
paid
paid
fo r
fo r

A c c id e n t
and
s ick n e s s

R eg u la r
b e n e fits
fo r 6
w eeks

D aily
ben efit D u ra ­
tio n

M axim um
r o o m and
board
allo w a n ce

S u rg ica l

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

B e n e fits a v a ila b le to
new ly in s u r e d

E m p loy ee and depen den t;
H os p ita liz a tion and s u r g i c a la fter 9 m onths

E m p lo y e e and dependent
S e m i- 10
private days
room

M ed ica l

Schedu le
E x tra
a llow a n ce A m ou n ts
allo w a n ce Lum p
and
fo r
or
sixm
n o rm a l lim ita tion s
s e r v ic e s
d e liv e r y

Up to
$90

E m p lo y e e :
A c c id e n t and s ic k n e s s —
im m e d ia te ly

no
SELECTED

C O M P A N Y , UNION,
AND
D ATE OF INFORM ATION
T y p e s and am ounts
L ife in su ra n ce

S te e lw o r k e r s
F e b ru a r y 1958

D ependents o f r e t ir e d em p loyee

R e tir e d em p lo ye e

E m p lo y e e and dependents
A n e s th e sia allo w a n ce (fo r s u r g e r y p e r fo r m e d in o r
out o f h o sp ita l by lic e n s e d ph ysicia n oth er than
op eratin g su rg e o n o r his a ss is ta n t o r em p lo y e e o f
h o sp ita l)— if s u r g ic a l b e n e fit is $75 o r un d er, $15 ;
if s u r g ic a l b e n e fit is o v e r $ 7 5 , 20 p e r c e n t o f
s u r g ic a l b e n e fit
D ia gn ostic X - r a y allo w a n ce (fo r c a s e s in o r out o f
h o sp ita l)— up to $7 5 during any 12-m onth p e r io d
D ia g n o stic exam in ation allo w a n ce (fo r c a s e s in o r
out o f h o sp ital)— up to $75 during any 12-m on th
p e r io d
R a dia tion therapy a llow an ce (fo r c a s e s in o r out o f
h o sp ita l)— up to $7I.5 0 per treatm en t; m axim um
a llow a n ce p e r con d ition ran ges fr o m $75 to $200

A cc id e n ta l
death and
d ism e m b e rm e n t

H o sp ita liza tio n

S u rg ica l

M ed ica l

L ife
in su ra n ce

H o s p ita li­
zation

S u rg ica l

R etirin g at age 65;
Am ount in e ffe c t
im m e d ia te ly p r io r
to r e tir e m e n t r e ­
duced a c c o r d in g to
follow in g sch ed u le:
Standard
h o u rly
rate im ­
m e d ia te ly Am ount
p r io r to r e - • c o n ­
tire m e n t
tinued
L e s s than
$1 . 9 4 ___ $ 1,300
$ 1 . 94 to
$2 . 3 2 ___
1,350
$ 2 . 32 to
$2 . 7 0 ___
1,4 0 0
$ 2 . 70 to
$3 . 1 4 ___ 1,4 5 0
$ 3 . 14 to
1,500
$3 . 5 2 ___
$ 3 . 52 and
1 ,550
o v e r _ __
R e tir in g a fte r age
60 but b e fo r e age
>wing to
di s a b ility :
A m ount in
e ffe c t p r io r to r e ­
tire m e n t m a in ­
tained until age 65,
t h e r e a fte r , sam e
as f o r em p lo ye e
r e tir in g at age 65

ZjT

1 Such b en e fits as X - r a y , a n e sth esia,an d e le c t r o c a r d io g r a m a llo w a n ce s m ay be p ro v id e d under so m e p la n s , although not lis t e d h e r e .
E X P L A N A T O R Y N OTES.




AND

EXTENSION O F B E N EFITS TO —
(m ust be at le a s t on group rate b a s is )

OTH ER B E N E FITS 1

U nited States Steel
C o r p o r a tio n

HEALTH

R ea son s f o r not lis tin g su ch ben efits are $et_forth in

M ed ica l

Ill
IN S U R A N C E

PLANS

- C ontinued

FINANCING

B en efits f o r
em p loyee

B e n e fits fo r e m p lo y e e 's
dependents

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 fits f o r dependents
o f r e tir e d em p lo ye e

A m ount o f con trib u tion
B e n e fits fo r e m p lo y e e and dependents

Com pany
Join tly
only

X

E m p lo y e e Com pany
E m p lo ye e Com pany
Com pany
E m p loyee
Jointly
Join tly
Jointly
only
only
only
only
only
only

X

X
(x)

C om pany

E m p lo y e e
Standard
h o u rly w age
rate

M onthly co n trib u tio n 2 Am ount. equal to
e m p l o y e e 's c o n tr ib u ­
No
W ith
d epen ddepend- tion
ents
ents

L e s s than $1.94— $ 7 .5 0
$ 1 .9 4 to $2.32 ___ 7. 80
$ 2 .3 2 to $2.70 ___ 8. 10
8 .4 0
$ 2.70 to $3.14 . . .
$3. 14 to $3.52 . . .
8. 70
$3 .5 2 and o v e r __ 9 .0 0

$ 9 .5 0
9 .8 0
10. 10
10.4 0
10.7 0
1 1 .0 0

F in a n ced b y a c tiv e e m p lo y e e and com p an y c o n trib u tio n s ; s e e co n trib u tio n co lu m n s f o r b e n e fits fo r e m p lo y e e and depen dents.
E m p lo y e e c o v e r e d by additional life in su ra n ce pays the add itional c o s t f o r this c o v e r a g e .




B e n e fits f o r r e t ir e d e m p lo y e e
_________ and dependents__________
E m p loy ee

C1)

C om pany
C1)

112
SELECTED
E L IG IB IL IT Y
REQU IREM EN TS
C O M P A N Y , UNION,
AN D
D A T E O F IN FORM ATIO N

A m e r ic a n C an C om pany
S te e lw o r k e r s

Standard A llie d T r a d e s
C o u n cil
Jan uary 1958




AND

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

L IF E INSURANCE

If pe rm a n e n tly and to ta lly d is a b le d
N ew e m p lo y e e s
becom e
e lig ib le —

Im m e d ia te ly o r
1st o f fo llo w in g
m onth

B e fo r e
age—

B a s e w e e k ly earnings
M en
L e s s than $ 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 to $ 1 2 6 .9 3 __
and up

F e b r u a r y 1958

A m e r ic a n R a d ia tor and
Standard S an itary
C o r p o r a tio n (L o u is v ille ,
K yJ

HEALTH

A ft e r 1 m on th ’ s
em p lo y m e n t

$ 1,0 0 0

$ 7 ,9 0 0
9 ,2 0 0
10,400
12,000
13,200

A t any
W om en age
$ 3 ,9 5 0
4 ,6 0 0
5 ,2 0 0
6 ,0 0 0
6,600

In su ran ce i s

C a ses
covered

G raduated
a c c o r d in g to—

Single
M u ltid is m e m ­ d is m e m ­
b erm en t b erm en t

Until n o r m a l r e ­
tir e m e n t a g e ,
then r e d u c e d in
sa m e m anner as
f o r r e t ir e d e m ­
plo ye e e x c e p t
that am ount o f
in su ra n ce fo r
e m p lo y e e with
le s s than 15
ye a rs * s e r v ic e is
re d u c e d to $1,375
in stea d o f $500

N on occu pational;
orcu pational

$ 1, 000 $500

$ 1,000

113
IN S U R A N C E

PLANS

- C ontinued

H O SP ITA L IZA T IO N

A C CID EN T AND SICKNESS

D uration o f b e n e fits
C a ses
cov ered

N on occu p a tion al

D aily
ben efit

E x cep t
A fte r
age—
B ase w ee k ly
earn in gs
L e s s than
$ 7 6 .0 0 to
$ 8 8 .0 0 to
$100.00 to
$115.39 to
and up

$ 7 6 .0 0 __
$ 8 8 .0 0
$ 1 0 0 .0 0 __
$115.39 —
$126.93 —

W eekly 26
b e n e fit w eek s
per d is ­
$ 4 2 .0 0 a b ility
4 5 .0 0
4 8 .0 0
53.5 0
60.0 0

E xtended
coverage

B e n e fits begin

D ays

B e n e fits lim ite d

1st day

8th day

D aily
am ount

M axim um
r o o m and
b oa rd
allow a n ce

E x tra allow a n ce
o r s e r v ic e

P er
year

P er
d is a ­
b ility

E m ergen cy
out-patien t
care

E m p loy ee and dependents
S e m i­
private
room

F u ll c o s t o f
s p e c ifie d
s e r v ic e s

120 days

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

O ccu p a tion a l D iffe r e n c e betw een W o rk ­
m e n 's C o m p e n sa tio n b e n e fit
and above am ount

N o n o ccu p a tion al

$40 p e r w eek




26
w eeks
p er d is ­
a b ility

1st day

E m p loy ee and dependents

8th day
Up to $ 14

31 days

$434

Up to $ 2 5 0 , plus
75 p e r c e n t o f
next $ 4 ,0 0 0 o f
ch arges

Up to $ 2 5 0 , plus
75 p e r c e n t o f
next $ 4 ,0 0 0 o f
charges

114
SELECTED

C O M P A N Y , UNION,
AN D
D A T E O F IN FORM ATIO N

Up to sch edu le
allo w a n ce
a c c e p te d a s fu ll
paym ent i f annual
in c o m e i s under—

A m e r ic a n C an C om pany

C ov ers
case 8
D ependents

M axim u m sch e d u le a llow an ce
T300

S te e lw o r k e r s
F e b r u a r y 1958

AND

E m p loy ee

O p e ra tio n sch edu le—
s e le c t e d a llo w a n c e s

E m p lo y e e

HEALTH

Up to sch ed u le
a llo w a n ce
a c c e p te d a s fu ll
paym ent i f annual
in c o m e i s under—

O ffic e

H o s p i­
tal

M a xi­
M a x i­
m um
m um
num ber num ber
v is it s
days
S ic k n e s s A ccid en t
pa id
pa id
fo r
fo r
B e n e fits beg in

A llo w a n ce
E ls e ­
w h ere

M axim u m
c om p en sa tion

H o s p ita l,
o f f i c e , hom e,
e ls e w h e r e

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

$ 1 2 4 p er d is a b ility

1st day

1st day

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

$ 5 fo r
each
day o f
c o n fin e ­
m ent

$ 15 5 p e r d is a b ility

1st day

1st day

T o n s ille c t o m y
Up to $ 60
U nder age 12,
up to $36 ;
o v e r age 12,
up to $ 60

_

31 p e r
d is a ­
b ility

A p p en d ectom y
Up to $150
Up to $150

A m e r ic a n R a d ia to r and
Standard S an itary
C o r p o r a tio n ( L o u i s v il l e ,
K y .)
Standard A llie d T r a d e s
C ou n cil

M axim um sch e d u le a llow an ce
$300
$300
T o n s ille c t o m y
Up to $45
Up to $45

31 p e r
l is a iility

A p p en d ectom y
Up to $150
Up to $150

Jan uary 1958

If s u r g ic a l o p e ra tio n p e r fo r m e d ,




allo w a n ce is g r e a te r o f (a) $ 4 fo r e a ch day o f h o sp ita l co n fin e m e n t up to day o f o p e ra tio n ; o r (b) $4 f o r ea ch d a y o f co n fin e m e n t m in us s u r g ic a l o p e r a tio n axiow ance.

115
IN S U R A N C E

PLANS

- Continued

M ED ICAL - Continued

M A T E R N IT Y PROVISIONS

D ependents

O ffic e

H o s p i­ E ls e —
tal
w here

M axim um
co m p e n sa tio n

$ 4 fo r
e a ch
day o f
co n ­
fin e ­
m en t1

$ 1 2 4 per d is a b ility

$5. fo r
ea ch
day o f
con­
fin e ­
m ent

$ 1 5 5 p e r d is a b ility




S ick ­
ness

1st
day

1st
day

31 p e r
d is a ­
b ility

A c c id e n t
and
s ick n e s s

R e g u la r
ben e fits
fo r 6
w eeks

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

1st
day

1st
day

31 p e r
d is a ­
b ility

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

M axim um
r o o m and
board
a llow a n ce

Schedu le
E xtra
allow a n ce A m oun ts
a llow a n ce Lurrp
and
fo r
sum
or
n orm a l lim ita tion s
s e r v ic e s
d e liv e r y

S e m i-

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

B en efits ava ila b le to
new ly in su red

E m p lo y e e and depen dent:
If p regn an cy c o m m e n c e s w hile
in s u re d

E m p lo y e e and dependent

private days
room

If s u r g ic a l o p e ra tio n p e r fo r m e d ,

S u rg ica l

H osp ita liza tio n
M a xi­
M a x i­
m um
m um
O ther
num ber num be r p r o v is io n s
A c c i ­ v is its
days
dent'
paid
paid
fo r
fo r

B e n e fits begin

Up n
$90

E m p lo y e e and dependent

E m p loy ee and depen dent;
A fte r 9 m onths
”

Up to Up to
$125 $75

a llow an ce is g r e a te r o f (a) $4 f o r each day o f h o sp ita l con fin em en t up to day o f o p e ra tio n ; o r (b) $4 f o r each day o f con fin em en t m in us s u r g ic a l o p e ra tio n a llow a n ce.

116
SELECTED

C O M R A N Y , UNION,
AN D
D A T E O F IN FOR M ATIO N
T y p e s and am ounts
L ife in su ra n ce

S te e lw o r k e r *
F e b ru a r y 1958

A n e s th e sia a llow a n ce ( fo r s u r g e r y p e r fo r m e d in o r
out o l h o sp ita l b y l ic e n s e d p h y s icia n o th er than
o p e ra tin g s u rg e o n o r h is a s s is ta n t o r e m p lo y e e o f
h o s p ita l)-—i f s u r g ic a l b e n e fit is $75 o r u n d er» $15;
i f s u r g ic a l b e n e fit is o v e r $ 7 5 , 20 p e r c e n t o f
s u r g ic a l b e n e fit
D ia g n o stic X - r a y allo w a n ce ( fo r c a s e s in o r out o f
h o sp ita l)— up to $ 7 5 during any 12-m on th p e r io d
D ia g n o stic exam in ation allo w a n ce ( fo r c a s e s in o r
out o f h o sp ita l)— up to $ 75 during any 12-m onth
p e r io d
R a d ia tio n therapy allo w a n ce (fo r c a s e s in o r out o f
hospital)-— up to $ 7 .5 0 p e r tre a tm e n t, m axim u m
a llo w a n ce p e r co n d itio n ran ges f r o m $ 7 5 to $200

A m e r ic a n R a d ia to r and
Standard S a n ita ry
C o r p o r a tio n (L o u is v ille ,
Standard A llie d T r a d e s
C o u n cil
January 1958




D ependents o f r e t ir e d em p loy ee

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

E m p lo y e e and dependents

E m p lo y e e and dependents
D ia g n o stic X - r a y and la b o r a to r y exam in ation
a llo w a n ce ( fo r c a s e s in o r out o f h o sp ita l)— u p to
$50 p e r d is a b ility

AND

EXTENSIO N O F B E N E FITS T Q —
(m u st be at le a s t on grou p rate b a s is )

O TH ER BE N E FITS

A m e r ic a n Can C om pa n y

HEALTH

R e tir in g at age 65
w ith at le a s t l6
y e a r s ' s e r v ic e :
A m oun t in e ffe c t
r e d u c e d a c c o r d in g
to s e r v ic e :
Y e a rs
of
servic e

A m ount
contin ued
P e r - M in i­
c e n L m um ,

25 o r
m o r e __ 50
—
15 to
2 5 _____25 $1,375
10 to
15 _____ —
500

A c c id e n ta l
death and
di sm em De rm en t

H o sp ita liz a tio n

S u rg ica l

M e d ica l

L ife
in su ra n ce

H o s p ita li­
zation

S u r g ic a l

M e d ica l

117
IN S U R A N C E

PLANS

- C ontinued

FINANCING
B e n e fits f o r
e m p loy ee

B e n e fits fo r e m p lo y e e 's
depen dents

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

B e n e fits f o r dependents
o f r e tir e d e m p lo y e e

A m ount o f con trib u tion
B e n e fits f o r e m p lo y e e and dependents

Com pany
Join tly
only

C om pany
E m p lo y e e Com pany
E m p lo y e e C om pany
E m p lo ye e
Join tly
Join tly
Jointly
only
only
only
only
only
only

X

X

X




E m p lo y e e

X

X

C om pany

F u ll c o s t

B en efits f o r e m p lo y e e o n ly , $ 0 .7 5
p e r w eek; f o r e m p lo y e e and
d ep en d en ts, $ 1 .50

$ 7 . 603 per m onth
p e r a ctiv e p a r ticip a t­
ing em p lo y e e

fo r—
B e n e fits f o r r e t ir e d e m p lo y e e
and dependents
E m p loy ee

C om pany
F u ll c o s t

118
SELECTED
E L IG IB IL IT Y
REQU IREM EN TS
C O M P A N Y , UNION,
AND
D A T E O F IN FORM ATIO N

C a lifo rn ia M eta l T r a d e s
A s s o c ia t io n

HEALTH

AND

A C C ID E N T A L D E A T H AND DISM E M BE RM EN T

L IF E INSURANCE

If pe rm a n e n tly and to ta lly d is a b le d
N ew e m p lo y e e s
becom e
e lig ib le —

B e fo r e
age—

2,000

Im m e d ia te ly o r
1st o f fo llo w in g
m onth

$

1st o f m onth f o l ­
low in g m onth
e m p lo y m e n t
com m en ces

Annual b a s e pay

Im m e d ia te ly o r
1st o f fo llo w in g
m onth

S e r v ic e

In su ran ce i s

60

C a ses
covered

N o n o c cu pation al

Single
M u ltid is m e m ­ d is m e m ­
b erm en t b e r m e n t

G raduated
a c c o r d in g to—

$ 2,0 0 0 $ 1,000

$ 2,000

V a riou s unions
Jan uary 1958

C ontinental Can C om pany,
In c.
S te e lw o r k e r s
F e b r u a r y 1958

D e e re and C om pany
A u tom ob ile W o r k e r s
A p ril 1958




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

$4,
$5,
$6,
$7,

000 ___________
...........................
000
_ _ ____ _ ..............................
000 ________________ _______________
000 _ ________ ___

L e s s than 6 m o n th s ..
6 m onths to 2 y e a r s .
2 y e a r s and o v e r -

$ 6,
8,
10,
12,

000
000
000
000

F o r 1 y e a r (o r
f o r p e r io d in ­
su red , if le s s
than 1 y e a r)

In sta llm en ts
____ $
500
____ 2 ,5 0 0
------------------- One y e a r 1s
e a rn in gs:
M in im um — $ 2 ,5 0 0
M axim um — $ 50, 000

N on occu - S e r v ic e
p ational
500
L e s s than 6 m on th s—
6 m on th s to 2 y e a r s - 2 ,5 0 0
2 y e a r s and o v e r ------ One
y e a r 1s
earn­
in g*:
M ini$2,$ 0 0
M axi$20,000

$

250
1 ,2 5 0
50 p e r ­
cent o f
death
b e n e fit

$

500
2 ,5 0 0
One
y e a r 's
ea rn in gs;
M in i-

|I75bo

M a x i-

$137000

119
IN S U R A N C E

PLANS

- Continued

ACCID EN T AND

HOSPIT A L iZ A T ION

D uration o f b e n e fits
C a ses
covered

D aily
ben efit

E x cep t
A fte r
age—

E xtended
coverage

B e n e fits begin

D ays

B en efits lim ite d

M axim um
r o o m and
b oard
a llow a n ce

D aily
am ount

E x tra allow a n ce
o r s e r v ic e

Per
year

Per
d is a ­
b ility

E m e rg e n cy
ou t-patien t
care

E m p loy ee and dependents
<M

<l )

N on occu p a tion al

Annual b a s e
pay
L e s s than $ 3 , 5 0 0 ---$ 3 ,5 0 0 to $ 4 , 0 0 0 ___
$ 4 ,0 0 0 to $ 4 , 5 0 0 ___
$ 4 , 500 and o v e r ____

(l )

W eek ly 26
b e n e fit w eeks
p e r dis*
$40
a b ility
45
50
55

{*>

(l )

(l )

1st day

(M
W ard
accom m o­
dation

100 days

Up to $ 30 0, plus
75 p ercen t o f
next $ 4 , 000 o f
c h a r g e s , plus up
to $ 2 5 am bulanc e
a llow an ce

Up to $ 3 0 0 , plus
75 p e rce n t o f next
$ 4 ,0 u 0 o f c h a r g e s ,
plus up to $25 a m ­
bulance a llow a n ce

E m p loy ee and dependents

8th day

S em i private
room

F u ll c o s t o f
s p e c ifie d
s e r v ic e s

120 days

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

O ccu p ation a l D iffe r e n c e b etw een W o rk ­
m e n 1s C om p en sation b e n e fit
and a b ove am ount

Nonoccupation al

H ou rly
ea rn in gs
L e s s than $ 2 .0 0 .
$ 2 .0 0 to $ 2 .3 0 ,_
$ 2 .3 0 to $ 2 . 6 0 __
$ 2 .6 0 to $ 2 . 9 0 __
$ 2 . 90 and o v e r __

O ccu p ation a l

W eekly 26
b e n e fit w eeks
p er d is ­
$ 4 2 .5 0 a b ility
5 0 .0 0
5 7 .5 0
6 5.00
72.5 0

8th day

E m p lo y e e and dependents

8th day
S e m i­
p riv a te
room

70 days

F u ll c o s t o f
s p e c ifie d
s e r v ic e s

D iffe r e n c e b etw een W o r k ­
m e n 's C om p en sation b e n e fit
and above am ount

No a c c id e n t and s ic k n e s s in su ra n ce 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 the C a lifo rn ia State te m p o r a r y d is a b ility la w .

See A p pendix A .

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

120
SELECTED

C a lifo rn ia M eta l T r a d e s
A s s o c ia t io n
V a riou s unions

Up to sch ed u le
a llo w a n ce
a c c e p t e d a s fu ll
paym ent i f annual
in c o m e i s under—

O p e ra tio n sch edu le—
s e le c t e d a llo w a n c e s

E m p lo y e e

D ependents

E m p loy ee
C ov ers
cases
in—

M axim u m sch ed u le a llow a n ce H o s p ita l,
o f f i c e , hom e
e ls e w h e r e
T on sil] e c to m y
Up to $53
Up to $53

T3S5------------- T 3 bS---------

Up to sch edu le
allo w a n ce
a c c e p te d a s fu ll
p aym ent i f annual
in c o m e i s under—

H om e

Up to
$6 per
v is it

O ffic e

H o s p i­
tal

Up to
$4 p er
v is it

Up to
$4 p er
v is it

E ls e ­
w h ere

M axim um
c om p en sa tion

H om e and o f f i c e :
$300 p e r y ea r

and
o ffic e ;

1st
v is it

1 per
day

__

H o s p ita l;
$400 p e r y ear
H ospital;
1st v is it

Append e c t o m y
Up to $175
Up to $175

F e b r u a r y 1958

M axi­
M a x i­
m um
m um
num ber num ber
v is it s
days
S ick n e s s A ccid en t
pa id
pa id
fo r
fo r
B e n e fits begin

A llo w a n ce

Jan uary 1958

Continental Can C om pany,
In c.
S te e lw o r k e r s

AND

M ED ICAL

SU RG ICA L

C O M P A N Y . UNION,
AN D
D A T E O F IN FOR M ATIO N

HEALTH

M axim u m s ch e d u le a llo w a n ce H o s p ita l,
$300
$300
o f fic e , h om e
e ls e w h e r e
s ille c to m y
Up to $o0
U nder a ge 12,
up to $36 ;
o v e r a ge 12,
up to $60

’ton

$4 fo r
e a ch
day o f
c o n fin e ­
m en t1

$ 12 4 p e r d is a b ility

1st day

1st day

Up to
$ 3 .5 0
per
v is it

$637 during 1st 26
1st day
w eeks f r o m date o f 1st
v is it o r $175 during
fu ll p e r io d o f d is a ­
b ilit y , w h ich ev er is
g r e a te r

1st day

31 p e r
d is a ­
b ilit y

A p p e n d e cto m y
Up to $150
Up to $150

D e e r e and C om pany
A u to m o b ile W o r k e r s
A p r il 1958

M axim u m sch e d u le allo w a n ce H o s p ita l,
h om e
e ls e w h e r e
______ Tonsillectom y
U p to $ 4 5
U p to $45

Jioo-------- -----------------------------------J301T
o ffic e ,

Up to
$ 3 .5 0
per
v is it

Up to
$ 2 .0 0
per
v is it

1 per
day

150

1 If s u r g ic a l o p e r a tio n p e r f o r m e d , a llo w a n c e is g r e a t e r o f (a) $ 4 f o r e a ch day o f h o s p ita l c o n fin e m e n t up to day o f o p e ra tio n ; o r (b) $ 4 fo r ea ch day o f con fin em en t m in us s u r g ic a l op e r a tio n a llo w a n c e .




121
INSURANCE

PLANS

M ED ICAL - Continued

M A T E R N IT Y PROVISIONS

D ependents

H o s p i­ E ls e tal
whe re

Up to
$4 pei
v is it

M axim um
com p en sation

$130 per d isa b ility

S u rg ica l

H o sp ita liza tio n
M axi­
M a xi­
m um
m um
Other
num ber num ber p r o v is io n s
A c c i­
v isits
days
dent
paid
paid
fo r
fo r

B en efits begin
S ic k ­
n ess

1st
v is it

A ccid e n t
and
sick n es s

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

1 per
day

M axim um
r o o m and
board
a llow a n ce

M ed ica l

S chedule
E x tra
allow a n ce A m oun ts
a llow an ce Lump
fo r
and
or
sum
n orm a l lim ita tion s
s e r v ic e s
d e liv e r y

B en efits ava ila b le to
new ly in su red

E m p lo y e e and dependent:
If p re g n a n cy c o m m e n ce s w hile
in s u r e d

E m p lo y e e and dependent

i— - i ------ — r~
1

Up to $150 m a te rn ity a llow an ce

$4 fo r
each
day o f
con ­
fine m en t1

124 p e r d is a b ility

$ 3 . 50
fo r
ea ch
day o f
con ­
fine m ent

$245 p e r d is a b ility

1st
day

1st
day

31 p e r
d is a ­
b ility

R eg u la r
b e n e fits
fo r 6
w eeks

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

14
p rivate days

S em i ro o m

1st
day

1st
day

70 p e r
d is a ­
b ility

R eg u la r
b e n e fits
fo r 6
w eeks

E m p lo y e e and depen dent;
If p r e g n a n cy c o m m e n c e s w hile
in s u r e d

E m p lo y e e and dependent
Up to $90

E m p lo y ee

S e m i­ 70
p riva te days
room

_

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

__

Up to $75

__

E m p lo y e e and dependent:
If p reg n a n cy c o m m e n c e s w hile
in s u re d

D ependent
Up to Up to $75
$70

If s u r g ica l o p e ra tio n p e r fo r m e d , allo w a n ce is g r e a te r o f (a) $4 fo r ea ch day o f h o sp ita l con fin e m e n t up to day o f o p e ra tio n ; o r (b) $4 fo r each day o f con fin em en t m inus s u r g ic a l o p e r a tio n a llow a n ce.




122
SELECTED

C O M P A N Y , UNION,
AN D
D A T E O F IN FOR M ATIO N
L ife in su ra n ce

January 1958

Dependents of rtetired employee

Retired employee
T y p e s and am ounts

V a rio u s unions

Accidental
death and
dismemberment

Hospitalization

Surgical

Medical

Life
insurance

Hospitali­
sation

Surgical

Medical

E m p lo y e e and dependents
A d d ition al a c c id e n t e x p e n se a llow an ce (fo r e x p e n se s
in c u r r e d w ithin 90 days o f a c c id e n t in e x c e s s o f
th ose c o v e r e d by o th e r plan b e n e fits )——up to $300
P o lio allo w a n ce (in lie u o f all o th e r plan b e n e fits ,
f o r all e x p e n s e s in c u r r e d w ithin 2 y e a r s a fte r
d is a b ility c o m m e n c e s )— up to $ 5 ,0 0 0
D ia g n o stic X - r a y and la b o r a to r y a llow an ce f o r n o n h o s p ita liz e d c a s e s — up to $100 f o r any one a ccid e n t
and all s ic k n e s s e s d uring any 12-m on th p e r io d

Continental Can Company,
In c.
S te e lw o r k e r s
F e b ru a r y 1958

E m p lo y e e and dependents

R e tir in g at age 65:
A m oun t in e ffe c t
im m e d ia te ly p r io r
A n e s th e sia a llow a n ce (fo r s u r g e r y p e r fo r m e d in o r
to r e t ir e m e n t
out o f h o s p ita l by lic e n s e d p h y sicia n o th e r than oper< r e d u c e d 10 p e r ­
ating s u r g e o n o r his a s s is ta n t o r e m p lo y e e o f h o s ­
ce n t im m e d ia te ly
pital)— if s u r g ic a l b e n e fit is $75 o r u n d e r, $15 ; if
and 10 p e r c e n t
s u r g ic a l b e n e fit is o v e r $ 7 5 , 20 p e r c e n t o f s u r g ic a l annually f o r next
b e n e fit
4 a n n iv e r s a r ie s o f
r e t ir e m e n t
D ia g n o stic X - r a y allo w a n ce (fo r c a s e s out o f h o s pital)——up to $75 during any 12-m on th p e r io d
D ia g n o stic exam in ation a llow an ce (fo r c a s e s in o r
out o f h o sp ita l)— up to $75 during any 12-m onth
p e r io d
R a dia tion th erap y a llo w a n ce (fo r c a s e s in o r out o f
h o sp ita l)— up to $ 7 .5 0 p e r treatm en t; m axim u m a l ­
low an ce p e r co n d itio n ra n ge s f r o m $75 to $200

D e e re and C om pany

E m p lo y e e on ly

A u tom ob ile W o r k e r s
A p r il 1958

L a b o r a to ry and X - r a v e x am in ation allo w a n ce fo r
n o n h o sp ita lize d c a s e s — up to $25 p e r d is a b ility
E m p lo y e e and dependents
A llo w a n ce f o r e m e r g e n c y c a r e and tre a tm e n t i f
tre a te d in d o c t o r ’ s o f fic e in stead o f h o s p ita l, in c o n n e c tio n w ith a c c id e n t— up to $15 fo r e x p e n s e s in e x c e s s o f m e d ic a l, la b o r a t o r y and X - r a y exam in ation
b e n e fits

$ 1 ,0 0 0
D is a b ilit y
re tir e m e n t:
A m oun t in e ffe c t
im m e d ia te ly p r i o r
to r e tir e m e n t
m ain tain ed until
age 65, t h e r e a fte r
$ 1 ,0 0 0

Same as for active
employee

Same as
for active
employee

1 Such b e n e fits as X - r a y , a n e sth e sia ,a n d e l . c t r o c a r d io g r a m a llo w a n c e s m a y b e p r o v id e d under s o m e p la n s , although n ot lis t e d h e r e .
E X P L A N A T O R Y N O T E S.




AND

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

O TH ER B E N E FITS 1

C a lifo r n ia M etal T r a d e s
A s s o c ia t io n

HEALTH

Same as
Same as
for retired for
retired
employee
employee

R e a s o n s f o r not lis t in g s u ch b e n e fits a r e s e t f o r t h in

123
IN S U R A N C E

PLANS

- Continued

A
FINANCING
Benefits for
employee

Benefits for em ployee's
dependents

Benefits for retired
employee

Benefits for dependents
of retired employee

Amount of contribution for—
Benefits for employee and dependents

Company
Jointly
only

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

Employee

Company

X

X

X

Benefits for retired employee
and dependents
Employee

Company

Full cost— $13.75 per
month per employee

X

X

Full cost

Full cost

•

__

X




__

X

_

_

X

_

X

A ll benefits except life and acciden- Life and accidental
death and tfiamemtal death and dismemberment
berment insurance:
insurance:
Monthly contribution Full cost
No
With 1
Hourly
depend- depend- Other benefits:
Balance oi cost
earnings
ents
ents
Less than $ 2 .0 0
$ 3 .2 7
$ 2 .0 0 to $ 2 . 3 0 ___ 3 .5 0
$ 2 .3 0 to $ 2 . 6 0 ___ 3 .7 3
$ 2 .6 0 to $ 2 . 9 0 ___ 3 .9 6
$ 2 . 90 and o v e r ___ 4 .1 9

$ 7 .0 7
7 .30
7.53
7.7 6
7 .9 9

Hospitalization and
surgical:
Efeneiits for employee
only, $ 1 .3 5 per month;
for employee and de­
pendents, $ 5 .0 4

Life insurance:
Full cost
Other benefits:
Balance of cost

124
SELECTED
E L IG IB IL IT Y
REQU IREM EN TS
C O M P A N Y , UNION,
AND
D A T E O F INFORM ATIO N

L IF E INSURANCE

Am ount
B e fo r e
age—

A fte r 3 months*
em ploym en t

$ 2 , 800 co m b in a tio n t e r m and paid-up in su ra n ce

A t any
age

F o r 1 year 1

Am ount
C a ses
cov ered

In su ran ce is —
M aintained

Internation al H a r v e s te r
C om pany

P a id in—
—

N o n o c cu pational

G raduated
a c c o r d in g to—

Single
M u ltiD eath d is m e m ­ d is m e m ­
b erm en t berm en t
$ 2 , 800 $ 1 ,4 0 0
( 2)

A p r il 1958

L e s s than $ 4 8 . 08
...
$ 4 8 .0 8 to $ 6 7 . 3 1 _______ ... . . . _
$ 6 7 .3 1 to $ 8 6 .5 4 ____ ___ ____________
$ 8 6 . 54 to $ 105.77 _____________________
$ 1 0 5 .7 7 to $ 125 .00 ____________________
and up

C a te r p illa r T r a c t o r
C om pany
A u tom ob ile W o r k e r s
A p ril 1958

60

A d d ition al group t e r m in su ra n ce;
B a se w eek ly
ea rn in gs

A u to m o b ile W o r k e r s

A ft e r 30 d a y s ’
em ploym en t

$ 2 ,8 0 0
( 3)

X

In su ran ce
_
__

B a se h o u rly rate

$ 2 , 000
3 ,0 0 0
4 ,0 0 0
5 ,0 0 0
6 ,0 0 0

Insu ran ce

L e s s than $ 1. 3 4 5 _________________________________
$ 1.345 to $ 1 .6 8 5 _________________________________
$ 1 .685 to $ 2 . 2 5 5 _______ ________ _________________
$ 2 ,2 5 5 to $ 2 . 7 5 5 ________________________________
$ 2 .7 5 5 and o v e r _
____ _____
_______

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

65
and
in su re d
2 years

In stallm en ts;
paym ents
c e a s e at age
65

(4)

* Upon e x p ira tio n o f 1 y e a r , e m p lo y e e m ay retain p aid -u p in su ra n ce pu rch a se d b y hia co n trib u tio n s o r r e c e iv e the c a s h s u r r e n d e r v a lu e.
A v a ila b le ir. c a s e 'o f lo s s o f an e / e ow ing to in ju ry only o r lo s s o f hand o r fo o t ow ing to d is e a s e o r in ju ry .
3 A v a ila b le in c a s e o f lo s s o f both eye s ow ing to d is e a s e o r in ju ry .
4 A dditional in su ran ce p ro vid e d at ex tra c o s t .




AND

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

If p erm a n en tly and to ta lly d is a b led
New e m p lo y e e s
becom e
e lig ib le —

HEALTH

N o n o c cu - B a s e h o u r ly rate
p ation al;
L e s s than $ 1. 3 4 5 ___ $ 2 , 000 $ 1, 000
occu pa­
3, 000 1, 500
tion al
$ 1 ,3 4 5 to $ 1 .6 8 5 ___
$ 1.685 to $ 2 . 2 5 5 ___
4, 000 2 ,0 0 0
5, 000 2 ,5 0 0
$ 2 ,2 5 5 to $ 2 . 7 5 5 ___
6 ,0 0 0
3 ,0 0 0
$ 2 .7 5 5 and o v e r ____

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

125
IN S U R A N C E

PLANS

- Continued

HOSPIT AL.IZ A T ION

ACCIDENT AND SICKNESS

Duration of benefits
C ases
covered

Nonoccupa-

Base weekly

rMngf
Less than $ 60 .
$60 to $ 7 0 ____
$70 to $ 8 0 ___
$80 to $90 ___
$90 to $100 _
$100 and over
O ccu p ation a l

Weekly 52
benefit weeks
per dis­
ability
$35
42
49
56
63
70

Days

Benefits limited

1st day

Daily
. amount

Maximum
room and
board
allowance

Extra allowance Per
or service
year

Per
disa­
bility

Emergency
out-patient
care

Employee and dependents

8th day
or 1st in
hospital
S e m iprivate
room

120 days

Up to $250 , plus
75 percent of
additional
charges

Required services
provided

Difference between W ork­
men' s Compensation benefit
and above amount

Nonoccupa-

Weekl
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 to $ 2 , 7 5 5 .
$ 2 .7 5 5 and o v e r __

Occupational

Daily
benefit

Except
After
age—

Extended
coverage

Benefits begin

$25
36
48
60
72

Difference between W ork­
m en' s Compensation benefit
and above amount




26
weeks
per dis­
ability

Employee and dependents

i day or 8th day
1st in
or 1st in
hospital
hospital
Semi­
private
room

70 days

Full cost of
specified
services

Required services
provided

126
SELECTED

International H arvester
Company
Automobile W orkers

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

Operation schedule—
selected allowances

Employee
C overs
cases

Employee

AND

MEDICAJ

SURGICAL

COMPANY, UNION,
AND
DATE OF INFORMATION

HEALTH

Dependents

Maximum schedule allowance Hospital,
office, home,
elsewhere
Tonsill ectomy
Up to $ 3 7 .5 0 |[ Up to $ 3 7 .5 0

A p r il 1958

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

Office

Hospi­
tal

M axi- “ S t a ir "
mum
mum
number number
visits
days
Sickness Accident
paid
paid
for
for
Benefits begin

Allowance
E ls e ­
where

Maximum
compensation

$600 per disability

1st day

1st day ■ —

120 per
disa­
bility

$ 3 .5 0
for
each
day of
con­
fine­
ment

$ 245 per disability

1st day

1st day

70 per
disability

I
1
1

$ 5 for
each
day of
con­
fine­
ment

Up to $ 125

Caterpillar Tractor
Company
Automobile W orkers
April 1958




Up to $ 125

Maximum schedule allowance Hospital,
■|T5D'-------------office, home,
elsewhere
Tonsillectomy
up to
$ 3 0 ; adult, up
to $50

TEXT

Up"tT$W

Appendectomy
Up to $ 125
T tJ p to T

127
IN S U R A N C E




PLANS

- Continued

M ED ICAL - Continues

M A T E R N ITY PROVISIONS

D ependents

Ho s p ita liza tio n
M a xi­
M axi­
m um
m um
O ther
nuyibe r num ber p r o v is io n s
A c c i ­ v is its
days
dent
paid
paid
fo r
fo r

B e n e fits begin
H o s p i­ E l s e ­
tal
w here

M axim um
com p en sa tion

$5 f o r
each
day o f
con ­
fin e ­
m ent

$600 p e r d is a b ility

$ 3 .5 0
fo r
each
day o f
con ­
fin e ­
m ent

$24 5 p e r d is a b ility

S ick ­
n e ss

1st day 1st day

1st day 1st day

120 per
d is a ­
b ility

70 p e r
d is a ­
b ility

A c c id e n t
and
sick n e s s

R eg u la r
ben e fits
fo r 6
w eeks

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

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

M axim um
r o o m and
board
a llow a n ce

S u rg ica l

Schedule
E x tra
a llow an ce A m oun ts
a llow an ce Lum p
and
fo r
or
sum
n orm a l lim ita tion s
s e r v ic e s
d e liv e ry

E m p lo y e e and dependent:
If p reg n a n cy c o m m e n c e s w hile
in ru red

E m p lo y e e and dependent
120
S e m i­
p rivate days
room

Up to
$ 2 5 0 , plus
75 p ercenl
o f add i­
tion al
ch arges

Up to
$ 6 2 .5 0

E m p loy ee and dependent:
If p regn a n cy c o m m e n c e s w hile
in su red

E m p lo y e e and dependent
S e m i­ 10
p riva te days
room

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

B en efits available to
new ly in su red

Up to $75

128
SELECTED

COM PAN Y, UNION,
AND
DATE OF INFORMATION
Types and amounts
Life insurance

Automobile Workers
April 1958

Dependents of retired employee

Retired employee

Employee and dependents
Diagnostic X -r a y and laboratory examination
allowance for nonhospitaiized ca se s— up to"$ 25
per disability

Retiring at age 60
with 10 years*
service and In­
sured for 5 years
at tim e of retirement, or at age
55 with 15 years1
service if owing
to disability:
Amount of paid-up
insurance accu­
mulated prior to
retirement or
amount based
on service
as listed below,
whichever is
greater:
Years of
service

Accidental
death and
di smemoer ment

Hospitalisation

Surgical

Life
insurance

Hospitali­
sation

Surgical

Same as for active
employee

Same as Same as
for active for active
employee employee

Same as Same as
Same as
for retired
for retired for
retired
employee
employee
employee

Retiring at age 65
with 16 years*
years1
service and insured
5 years at time oi
retirement:
Same as for active
employee but
maximum hospitali­
zation and surgical
benefits limited
during retirement
to $ 1 ,0 0 0

Retiring
at age o5
* it
yea rs1
service
and in­
sured 5
years at
t im e o f
retire­
ment:
Same a
for active
employee
[>ut m axi­
mum ho 8 n taliza:ion and
surgical
aenefits
Limited
during re­
tirement
to $ 1 ,0 0 0

Same as
Same a s
for retired for
retired
employee
employee

Amount

25 and
over ___ — $ 1 ,8 0 0
20 to 25__
1,500
1,200
15 to 20__
1,000
10 to 15__
<2)

Caterpillar Tractor
Company
Automobile Workers
April 1958

Employee only
Diagnostic X -r a y and laboratory examination
allowance for nonhospitalized cases— up to $25 for
any one accident or for all sicknesses during any
12-month period

Retiring at age 65
with 10 yea rs1
service and in­
sured 5 years at
time of retire­
ment:

fTTooo

1 Such benefits as X -r a y , anesthesia,and electrocardiogram allowances m-~ v be provided under some plans, although not listed here.

Reasons for not listing such benefits are set forth in

EXPLANATORY NOTES.
Employee retiring owing to disability has option of receiving aU : tie V- group term insurance in installments or having it maintained.




AND

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

OTHER BENEFITS 1

International Harvester
Company

HEALTH

129
IN S U R A N C E

PLANS

- Continued

FINANCING
Benefits for
employee

Benefits for em ployee's
dependents

Benefits for retired
employee

Benefits for dependents
of retired employee

Amount of contribution for—
Benefits for employee and dependents

Company
J ointly
only

c o ^ T nyl Jointly

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

Employee

Employee

Company

Combination paid-up and term life
insurance:
Varies according to age of entry into
plan: Those entering at age 45 and
under contribute $ 2 .6 0 monthly; for
those entering after age 45 the above
amount is increased by approxi­
mately $ 0. 17 up to maximum of
$ 5. 20 for those entering plan at age
60 and over 1

Accidental death
insurance:
Other benefits:
Balance of cost

Company

Life insurance:
Employee contribution cea ses, paid-up
insurance (financed by employee prior to
retirement) continues in effect; company
pays cost of difference between employeefinanced paid-up insurance (if less) and
guaranteed minimum coverage
Other benefits;
Other benefits:
Balance of cost
Benefits for employee
only, $ 3 .7 0 per month;
for employee and
spouse, $ 8 .1 4

Additional group term life insurance:
Monthly'
Base weekb
earnings
contribution
L ess than $ 4 8 . 0 8 _____
$ 4 8 .0 8 to $ 6 7 . 3 1 _____
$ 6 7 . 31 to $ 8 6 . 5 4 _____
$ 8 6 . 54 to $ 105. 77_____
$ 105.77 to $ 125. 0 0 ___
and up

Benefits fo r retired em ployee
________ and dependents_________

$ 1 .0 0
1.50
2 .0 0
2 .5 0
3 .0 0

Dismemberment insurance and
accident and sickness benefit:
Base weekly
Monthly
earnings
contribution
L ess than $ 6 0 __ _____
$ 60 to $ 70 ..........................
$70 to $80
$ 80 to $ 90 ______________
$90 to $100 ....................
$ i0 0 and o v e r

$ 1 .9 5
2 .3 4
2 .7 3
3 .1 6
3 .5 5
3. 94

Hospitalization, surgical, and
medical:
Benefits for employee only, $ 1 .8 5
per month; for employee and 1
dependent, $ 4 .0 7 ; for employee and
2 or more dependents, $ 5 .4 7
X

X

X

X

Life and accidental death and d is­
memberment insurance and
accident and sickness benefit:
Base hourly
:
Monthly
rate
contribution*
L ess 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 to $ 2 ,7 5 5 ______
$ 2 .7 5 5 and over _______

$ 1 .8 0
2 .5 0
3 .2 0
3 .9 0
4 .6 0

Balance of cost

Hospitalization and
surgical:
Benefits for employee
only, $ 1.45 per month;
for employee and
children, $ 2 . 50; for
employee and spouse,
$ 3 .9 0 ; for employee,
spouse, and children,
$ 4 .9 0

Other benefits:
Benefits for employee only, $ 0 .9 5
per month; for employee and
children, $ 2 .0 0 ; for employee and
spouse, $ 2 .6 0 ; for employee,
spouse, and children, $ 3 .6 0

Employee’ s contribution used to purchase paid-up insurance; company purchases term insurance to make up difference between paid-up insurance and $ 2 ,8 0 0 .
Employee covered by additional life insurance pays the additional cost for this coverage.




Life insurance:
Full cost
Ho spitalization
and surgical;
Balance of cost

130
SELECTED

ELIGIBILITY
REQUIREMENTS
COM PANY, UNION,
AND
DATE OF INFORMATION

Electrical (lUE);
E lectrical (iBEW)

Life insurance and
accident and
sickness benefits:
Immediately or
1st of following
month

February 1958
Other benefits:
After 60 days*
employment

Before
age—

Annual base wage
L ess than
$ 1 ,2 0 0 to
$ 1, 800 to
$ 2 ,4 0 0 to
$ 3 , 000 to
$ 3, 600 to
$ 4 , 200 to
$ 4 , 800 to
$ 5 ,4 0 0 to
$ 6 , 000 to

Insurance

$ 1, 200 .

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

.
.
.
.
.
.
.

.
.

$250 1

Provided in addition to insurance based on em ployee's annual base wage




Amount

If permanently and totally disabled

$ 1,500
2 ,5 0 0
3, 500
4 .0 0 0
5 .0 0 0
6. 00 0
7 .0 0 0
8 .0 0 0
9, 00 0
10 , 000

60

C ases
covered

Insurance ii
Maintained

Radio Corporation of
Am erica

AND

ACCIDENTAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

New employees
become
eligible—

HEALTH

Paid in—Installments

Graduated
according to-

MultiSingle
Death dism em ­ dism em ­
berment berment

131
IN S U R A N C E

P L A N S - Continued

HOSPITALIZATION

ACCIDENT AND SICKNESS

Duration of benefits
Cases
covered

Dailybenefit

Except
Period

Nonoccupational

After
age—

Benefits limited

Extended
coverage

Benefits begin

Accident

Days

Sickne s s

Daily
amount

Weekly 26
benefit weeks
per dis­
L ess than $36 _
.
$27 ability
$3 6 to $40
30
$40 to $ 5 0 ____ _____
33
$50 to $60
36
$60 to $ 7 0 ____ ______
38
$70 to $80
40
$80 to $90 __ _
42
$90 and over —______45

_

Extra allowance Per
or service
year

Per
disa­
bility

Emergency
out-patient
care

Employee and dependents 1

Basic benefit
Average weekly
earnings

Maximum
room and
board
allowance

8th day,
retro­
active to
1st after
4 weeks'
disability

8th day,
retro­
active to
1st after
4 weeks'
disability

70 days

—

—

$770

Up to $100

—

X

X

—

Up to $ 50

Supplementary benefits for employee only 2

20 days

—

—

$40

__

Supplementary benefit

$ 2 .1 0 per day

Occupational

100 days
per d is­
ability

Upon c e s ­
sation of
basic
benefit

Upon ceslation of
basic
benefit

Difference between W ork­
12
m e n 's Compensation benefit weeks
and 80 percent of base
per disweekly wage
ability

When
W ork­
m en's
Compen­
sation
benefit is
payable

When
Work­
m en' s
Compen­
sation
benefit is
payable

F or Camden, N. J . , employees and their dependents; benefits for employees in ^ther areas may vary according to local hospital rates,
rovi
xn addition to basic hospitalization benefits; payable only if employee i - ontinuously confined to hospital for at least 8 days and is receiving accident and sickness benefits.




132

1 For Camden, N. J. , employees and their dependents; benefits for employees in other areas may vary according to local hospital rates.




133
INSURANCE

PLANS

- Continued

MEDICAL - Continued

M ATERNITY PROVISIONS

Dependents

Hospi­ E ls e ­
tal
where

Up to
$4 per
day

Maximum
compensation

$280 per disability

Surgical

Hospitalization
M axiM axi­
mum
mum
Other
number number provisions
A c c i­ visits
days
dent
paid
paid
for
for

Benefits begin
Sick­
ness

1st day 1st day

Accident
and
sickness

Daily
benefit Dura­
or
tion
service

Maximum
room and
board
allowance

Schedule
Extra
allowance Amounts
allowance Lump
and
for
sum
or
normal limitations
services
delive ry

Employee and dependent

70 per
d is­
ability

E m ployee and dependent:

l i pregnancy com m ences while
insured

Up to

$11

14
days

$ 154

Up to
$802

Up to
$100

For Camden, N. J . , employees and their dependents; benefits for employees in other areas may vary according to local hospital and surgical rates.
Plus up to $20 for nursery care of infant.




Benefits available to
newly insured

134
SELECTED

C OM PAN Y, UNION,
AND
DATE OF INFORMATION
Life insurance

Electrical (lUE);
Electrical (IBEW)
February 1958

Dependents of retired employee

Retired employee
Types and amounts

Employee and dependents
Anesthesia allowance for cases in or out of hospital, if surgeon makes a separate charge for
anesthesia— up to $ 15
Nonemergency accident and sickness allowance in
out-patient department of hospital— up to $ 5 0 per
disability
Nonoccupational accident X -r a v and laboratory
examination allowance (for tests performed outside
hospital)—-up to $50 per accident

AND

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

OTHER BENEFITS 1

Radio Corporation of
Am erica

HEALTH

Retiring at age 65:
With 10 or more
y e a rs ’ service , 40
percent of amount
in effect at time of
retirement; with 5
to 10 years serv­
ice, 20 percent of
amount in effect
at time of retire­
ment

Accidental
death and
dismemberment

Hospitalization

(2)

Surgical

(2)

Medical

Life
insurance

Hospitali­
zation

Surgical

(2)

(2)

Medical

( 2)

1 Such benefits as X -r a y , 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 Retired employee may use the amount of life insurance in excess of $300 for payment of expenses incurred by him or his dependents for hospital and surgical care; benefits same as for active
employee except that room and board allowance is $8 per day.




135
INSURANCE

PLANS

- Continued

FINANCING
Benefits for
employee

Benefits for em ployee's
dependents

Benefits for retired
employee

Benefits for dependents
of retired employee

Amount of contribution for—
Benefits for employee and dependents

Company
Jointly
only

X




only

X

Jointly

Employee Company
Employee
Jointly
only
only
only

X

only

X

Jointly

only

Employee

Company

Full cost

Benefits for retired employee
and dependents
Employee

Company

Full cost

136
SELECTED
EL IG IB IL IT Y
REQU IREM EN TS
COMPANY^ UNION,
AND
D ATE OF INFORM ATION

L IF E INSURANCE

E le c t r ic a l (IUE)
M a rch 1958

If p erm a n en tly and to ta lly d isa b led
N ew e m p lo y e e s
becom e
e lig ib le —

C a ses
cov ered

Insu ran ce i s

B e fo r e
age—

A fte r 3 m onths*
e m p loym en t

60
P r i o r to age 65:
H ou rly rate
Insurance with
10 y e a rs '
L e s s than ip 1 . 2 5 ____________ __ __________________
$ 3 ,7 5 0 s e r v ic e
$ 1 .2 5 to $ 1 .5 0 ___________________________________
4 ,5 0 0 and
$ 1 .5 0 to $ 1 . 7 5 ___________________________________
5 ,2 5 0 p e r m a ­
$ 1 .7 5 to $ 2 .0 0 ___________________________________
6 ,0 0 0 nently
$ 2 .0 0 to $ 2 . 2 5 ___________________________________
6 ,7 5 0 and
$ 2 .2 5 to $ 2 .5 0 ___________________________________
7,5 0 0 totally
8 ,2 5 0 d i s ­
$ 2 . 50 to $ 2 . 7 5 ___________________________________
$ 2 . 75 to $3.00 ___________________________________
9 ,0 0 0 abled 2
9, 750
$ 3 .0 0 to $ 3 .2 5 ___________________________________
$ 3 .2 5 to $ 3 .5 0 ___________________________________
10,500
60,
$ 3 .5 0 to $ 3 .7 5 ___________________________________
11,250
12,000 in su re d
$ 3 .7 5 to $ 4 .0 0 _______________________________ .___
$ 4 .0 0 and o v e r ___________________________________
13,500 1 y e a r
and
totally
A fte r age 65: 1
F o r e m p lo y e e attaining age 65 p r io r to 1958, a p ercen tage disa b led
o f in su ra n ce in e ffe c t on S e p tem ber 1, 1950, is contin ued
if la r g e r than am ount in d ica ted f o r e m p lo y e e attaining age
65 in 1958, o r la t e r . P e r c e n ta g e v a r ie s a c c o r d in g to y e a r
65 is attained—
P ercen t of
Y e a r attaining
in su ra n ce
age 65
contin ued
1955
1956
1957

M ulti­
Single
d is m e m ­ d is m e m ­
berm en t berm en t

G raduated
a c c o r d in g to—

$ 1,000

Until age 65,
then re d u ce d in
sam e m anner as
fo r ac^|ve e m ­
ployee

In s ta llm e n ts ,
fu ll am ount
le s s $ 1 ,0 0 0

N on occu - H ou rly rate
pational
L e s s than $ 1 .2 5 .
$ 1 .2 5 to $ 1 . 50 _
$ 1 .5 0 to $ 1 .7 5 $ 1 .7 5 to $ 2 .0 0 _
$ 2 .0 0 to $ 2 .2 5 $ 2 .2 5 to $ 2.50 ..
$ 2 .5 0 to $ 2 .7 5 $ 2 .7 5 to $ 3 .0 0 _
$3.0 0 to $ 3 .2 5 _
$ 3 .2 5 to $ 3 .5 0 _
$ 3 .5 0 to $ 3 .7 5 _
$ 3 . 75 to $ 4 .0 0 $ 4 .0 0 and o v e r _

$1, 875
2.250
2,625
3,000
3,375
3,750
4*125
4*500
4*875
5.250
5*625
6*000
6*750

$ 937.50 $1 ,8 7 5
1.125.00 2.250
1.312.50 2.625
1, 500.00 3.000
1, 687.50 3,375
1, 875.00 3.750
2.062.50 4,125
2 .250.00 4,500
2.437.50 4,875
2, 625.00
5.250
2.812.50
5.625
3,000.00
6.000
3.375.00
6.750

55
45
35

F o r e m p lo y e e attaining age 65 in 1958 o r la t e r , am ount in
e ffe c t im m e d ia te ly p r io r to attainm ent o f age 65 re d u ce d
5 p e r c e n t and re d u ce d b y lik e am ount m onthly th e r e a fte r ,
until am ount in e ffe c t equa ls 25 p e r c e n t o f am ount in e ffe c t
p r io r to the o r ig in a l red u ction

1 E m p lo y e e m u st have 5 y e a r s ' contin uous s e r v ic e im m e d ia te ly p r io r to attaining age 65 to be e lig ib le f o r in su ra n ce a fte r age 65. A m ount o f life in s u ra n ce re d u c e d a fter age 65 b y am ount o f
h os p ita l and s u r g ic a l b e n e fits paid after age 65.
2 A ls o a p p lica b le to e m p lo y e e with 5 y e a r s but le s s than 10 y e a r s o f s e r v ic e on D e ce m b e r 1, ; 1955.




AND

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

P a id in
W estinghouse E le c t r ic
C o r p o r a tio n

HEALTH

137
IN S U R A N C E

PLANS

- Continued

H O SP ITA L IZA T IO N

AC CID EN T AND SICKNESS

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

N on occu p a tional

(M

Dailybenefit

E xcep t
A fte r
age—
H ourly
rate
L e s s than $ 1 .2 5 .
$ 1 .2 5 to $ 1 .5 0 _
$ 1 .5 0 to $ 1 .7 5 _
$ 1 .7 5 to $ 2 b 00 _
$ 2 .0 0 to $ 2 .2 5 _
$ 2 .2 5 to $ 2 .5 0 _
$ 2 .5 0 to $ 2 .7 5 _
$ 2 . 75 to $ 3 .0 0 _
$ 3 .0 0 to $ 3 .2 5 _
$ 3 .2 5 to $ 3 .5 0 _
$ 3 .5 0 to $ 3 .7 5 _
$ 3 .7 5 to $ 4 .0 0 _
$ 4 .0 0 and o v e r _

W eekly 26
b en efit w eeks
per d is ­
$ 3 0 .0 0 ab ility
3 2 .0 0
3 5 .0 0
(M
. 3 7 .5 0
, 4 2 .5 0
4 7 .5 0
5 2 .5 0
, 57 .5 0
, 62.50
, 67.50
. 72.5 0
, 7 7.50
85 .0 0

E xtended
coverage

B e n e fits begin

D ays

B en efits lim ite d

E x tra allow a n ce
o r s e r v ic e

P er
year

P er
d is a ­
b ility

E m ergen cy
out-patien t
care

E m p loyee and dependents

8th day o i 8th day o i
1st day in 1st day in
h osp ital
h osp ital
Up to $ 12
(M

D aily
am ount

M axim um
r o o m and
b oa rd
allow a n ce

(X)

70 days

$840

Up to $100

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

(3 )

(M

1 B en efit d iscon tin u ed at age 65.
At age 65, b e n e fits c e a s e f o r e m p lo y e e with le s s than 5 y e a r s ' s e r v ic e and h is depen dents; f o r e m p lo y e e with 5 o r m o r e 'y e a r s ' s e r v ic e and h is depen dents, total am ount o f h o s p ita l and s u r g ic a l
ben efits lim ite d to $750 during ba la n ce o f e m p lo y e e 's lif e . When h o s p ita l and s u r g ica l b e n e fits are paid, a c o r r e s p o n d in g re d u ctio n is m ade in the e m p l o y e e 's life in s u r a n c e .
E m p loyee m ay e le c t a ltern ative m axim u m daily b e n e fit o f $ 1 5 o r $ 1 0 ; p re m iu m s a re adjusted a c c o r d in g ly .




138
SELECTED

C O M P A N Y , UNION,
AND
D A T E O F IN FOR M ATIO N

W estinghouse E le c t r ic
C o r p o r a tio n

Up to sch edu le
a llo w a n ce
a c c e p te d a s fu ll
paym ent i f annual
in c o m e i s under—

Employee

O p era tion sch edu le—
s e le c t e d a llo w a n ce s
C ov ers
cases
E m p lo y e e

HEALTH

D ependents

Up to sch ed u le
allo w a n ce
a c c e p te d a s fu ll
paym ent i f annual
in c o m e i s under—

Benefits begin

Allowance
Office

Hospi­
tal

E lse ­
where

Maximum
compensation

M axi-

AND

Maad-

number number
visits
days
Sickness Accident
paid
paid
for
for

M axim um sch ed u le a llow a n ce H o sp ita l,
$250
$250
o f fi c e , h o m e ,
e ls e w h e r e

E l e c t r ic a l (lU E)
M a rch 1958

T o n s ille c t o m y
Up to $50
C h ild , up to
$ 3 0 ; w ife , up
to $50
A p p en d ectom y
Up to $125
Up to $125

n

n

1 At age 65, b e n e fits c e a s e f o r e m p lo y e e with le s s than 5 y e a r s ' s e r v ic e and h is depen dents; f o r e m p lo y e e with 5 o r m o r e y e a r s ' s e r v ic e and h is depen den ts, total am ount o f h o s p ita l and s u r g ic a l
b e n e fits lim ite d to $750 during b a la n ce o f e m p l o y e e 's l i f e . When h o s p ita l and s u r g ic a l b e n e fits a r e p a id , a c o r r e s p o n d in g r e d u c tio n is m ade in the e m p l o y e e 's lif e in s u r a n c e .




139
IN S U R A N C E

PLANS

-

Continued

M A T E R N ITY PROVISIONS

M ED ICAL - Continued
D ependents
A llow a n ce
O ffic e




H o s p i­ E l s e ­
tal
w h ere

Ho spitali zation
M a x i­
M axi­
m um
m um
O ther
num ber number|]p r o v is io n s
A c c i ­ v is its
days
dent
paid
paid
fo r
fo r

B e n e fits begin
M axim um
co m p e n sa tio n

S ick ­
ness

A ccid e n t
and
s ick n e s s

M axim um
r o o m and
board
a llow an ce

D aily
ben efit D u ra­
or
tion
s e r v ic e

E m p lo y e e and dependent
T

$ 150

S u rg ica l

M ed ica l

Schedule
E xtra
a llow a n ce A m oun ts
a llow an ce Lurr.p
and
fo r
sum
or
n orm a l lim ita tion s
s e r v ic e s
d e liv e ry

m atern ity allow ance

B en efits av a ila b le to
new ly in su red

E m p loy ee and depen dent:
If pregn an cy c o m m e n c e s w hile
in su red

140
SELECTED

C O M PA N Y , UNION,
AN D
D A TE O F INFORM ATIO N

Types and am ou n t s
Life insurance

E le c t r ic a l (lU E)
M a r c h 1958

Dependents of rietired employee

Retired employee

E m p lo y e e and dependents
M a jo r m e d ica l ex p e n se allo w a n ce — 75 p e r c e n t o f
e x p e n s e s in e x c e s s o f o th e r plan b e n e fits during
e a ch m e d ica l ex p e n se p e r io d w hich is in e x c e s s o f
$10 0; m a x im u m , $ 5 ,0 0 0 during any one m e d ica l
e x p e n se p e r io d and $ 1 0 ,0 0 0 during all m e d ica l
e x p e n se p e rio d s

AND

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

O TH ER B E N E F IT S 1

W estin g h ou se E le c t r ic
C o r p o r a tio n

HEALTH

R e tir in g at age 65
o r la t e r : *
Sam e as f o r activ e
e m p lo y e e after
age 65

A ccidental
death and
dismemberment

Hospitalization

Sam e as fo r a ctiv e
e m p lo y e e

Surgical

Sam e as
fo r
activ e
em p loyee

M edical

Life
insurance

H ospitali­
zation

Surgical

M edical

Sam e as
Sam e as
f o r r e t ir e d f o r retiree
em p lo y e e
em p loy ee

R e tir in g p r io r to
age" 5 S P ----------Sam e as fo r activ e
em p lo y e e

1
Such b e n e fits as X - r a y , anesthesia^and e le c t r o c a r d io g r a m allo w a n ce s m ay be p r o v id e d under s o m e p la n s , although not lis t e d h e r e . R ea s on s f o r not lis tin g such b en efits are s e t fo rth in
E X P L A N A T O R Y N OTES.
A v a ila b le if e m p lo y e e c o m p le te d 5 ye a rs* contin uous s e r v ic e im m e d ia te ly p r io r to r e tir e m e n t o r age 65, w h ich e v e r o c c u r s f ir s t .
A v a ila b le if e m p lo y e e r e t ir e s on pe n sio n , w hich r e q u ir e s a m in im u m o f 15 y e a rs* s e r v ic e ; if r e tir in g on d is a b ility p e n sio n , e m p lo y e e is c o v e r e d by the $ 1 ,0 0 0 life in su ra n ce le ft in f o r c e under
p erm anent and total d is a b ility p r o v is io n .




141
IN S U R A N C E

PLANS

-

Continued

FINANCING
B en efits fo r
em p loy ee

B e n e fits fo r e m p lo y e e 's
dependents

B e n e fits f o r r e t ir e d
em p lo ye e

B e n e fits fo r dependents
o f r e tir e d em p lo y e e

Am ount o f con trib u tion
B e n e fits fo r e m p lo y e e and dependents

Com pany
Join tly
only

Com pany
E m p lo y e e Com pany
E m p lo y e e Com pany
E m p loyee
Jointly
Jointly
Jointly
only
only
only
only
only
only

X

x

X

(M

( 2)

(2)

C om pany

E m p lo ye e
B e n e fits f o r e m p lo y e e p r io r to age
65 and depen dents:
M onthly con trib u tion
With
H ourly
ents
rate
ents
Up to $ 1 . 2 5 -------- $ 3 . 3 0
3 .6 0
$ 1 . 2 5 to ^ 1 . 5 0 __
$ 1.50 to $1 •7 5 __ 3. 9 0
ip 1. 75 to $ 2 . 0 0 __ 4 . 2 0
$ 2 . 0 0 to $ 2 . 2 5 __ 4. 50
$ 2 . 2 5 to $ 2 . 5 0 __ 4. 80
$ 2 . 5 0 to $2. 75___ 5. 10
5. 40
$ 2 . 7 5 to $ 3 . 0 0 __
$ 3 . 0 0 to $ 3 . 2 5 __ 5. 70
6.0 0
$ 3 . 2 5 to $ 3.5 0 __
6. 30
$ 3 . 5 0 to $3. 7 5 __
$ 3 . 7 5 to $ 4 . 0 0 __
6. 60
7 .2 0
$ 4 . 0 0 and o v e r __

$ 9. 40
9. 80
10.20
10. 60
11.00
11.40
11.80
12.20
12. 60
13.00
13.40
13. 80
14.50

( X)

E ffe c tiv e N o v e m b e r 1, 1958, com pan y w ill pay fu ll c o s t o f e m p l o y e e 's b e n e fits .
B en efits fo r e m p lo y e e r e tir in g p r io r to age 65, e x ce p t if ow ing to d is a b ility , and dependents are jo in tly fin a n ced until age 65.




B en efits f o r e m ­
p loyee p r io r to age
65 and d epen den ts:
B a lan ce o f c o s t 1
B en efits f o r e m ­
p loy ee a fter age 65
and depen den ts:
F u ll c o s t

fo r

Benefits fo r retired em ployee
________ and dependents_________
Employee
B en efits fo r e m ­
p loy ee p r io r to age
65 and depen den ts:
Sam e as activ e e m ­
ployee

Company
B en efits f o r e m ­
ployee p r io r to age
65 and depen dents;
B a la n ce o f c o s t
B en efits f o r e m ­
ployee after age
65 and depen dents:
F u ll c o s t

142
SELECTED
E L IG IB IL IT Y
REQU IREM EN TS
C O M PA N Y , UNION,
AND
D A T E O F INFORM ATIO N

F o r d M o to r C om pany

A p r il 1958

G en era l M o to rs
C o r p o r a tio n
A u to m o b ile W o r k e r s

If permanently and totally disabled
N ew e m p lo y e e s
becom e
e lig ib le —

Am ount
B e fo r e
age—

1st o f m onth a fte r B a s ic h o u rly rate
1 m o n th 's
em ploym en t
$ 1 .7 0 t/v $ 1 . 90
$ 1 .9 0 to $ 2 .1 0
$ 2 . 10 to $ 2 .3 0
$ 2 . 30 to $ 2 .5 0
$ 2 . 50 to $ 2 .7 0
$ 2 . 70 to $ 2 . 90
$ 2 .9 0 to $ 3 .1 0

1st o f m onth
fo llo w in g o r
c o in cid in g with
2 m o n th s 1
em p lo ym e n t

A p ril 1958

In su ran ce
_
-

.

-

—

_ ___

___

_

-

_ _

___

.

•_ _ _

__

_

_

B e fo r e age 65:
B a se h o u rly rate
L e s s than $ 1 .3 8
$ 1 .3 8 to $ 1 . 63
$ 1 .6 3 to $ 1 .8 8
$ 1 .8 8 to $ 2 . 13
$ 2 .1 3 to $ 2 .3 8
$ 2 .3 8 to $ 2 . 63
$ 2 . 63 to $ 2 . fifi
$ 2 .8 8 to $ 3 .1 3
$ 3 .1 3 and ovor

. ..

In su ran ce
_______
____

___
_____

..... _ .
_

\x/z

A fte r 3 m onths 1
em p lo ym e n t

$ 5 , 00 0

60

Cases
covered

Insurance is—

__

$ 3 , 500
4 ,0 0 0
4, 500
5 j 000
5, 500
6, 000
6 cnn
7*000
7 ,5 0 0

Installm ents

N onoccu- B asic hourly rate
pational;
L e s s than $ 1 . 7 0 ____ $ 1 ,6 0 0
occupa­
$ 1 .7 0 to $ 1 . 9 0 _____
1 ,8 0 0
tional
$ 1 .9 0 to $ 2 . 1 0 _____
2,000
$ 2 . 10 to $ 2 . 3 0 _____
2,200
$ 2 .3 0
$ 2 .5 0
$ 2 .7 0
$ 2 .9 0
$ 3 . 10

Installm en ts

60
w ith 15
o r m ore
years'
plan
cov­
era g e

U ntil age 65,
then re d u c e d in
sam e m an n er a s
f o r a c tiv e e m ­
p lo y e e

60
w ith 10
to 15
years'
plan
cov­
e ra g e

Until age 65,
then r e d u c e d in
sam e m anner as
fo r a c tiv e e m ­
p lo y e e

—

60

X

—

(M

(O ptional)

A u tom ob ile W ork e rs
April 1958

A fte r total am ount o f life in su ra n ce h as b een p a id , $ 5 0 0 o f grou p c o v e r a g e p r o v id e d during re m a in d e r o f e m p lo y e e * s total d is a b ility .




Single
Multi­
dism em ­ dism em ­
berment berment

Graduated
according to—

Paid in—

$ 3 ,2 0 0
3, 600
4 ,0 0 0
4 ,4 0 0
4 ftOO
5 ,2 0 0
5 600
6 ,0 0 0
6 .4 0 0

A fte r age 65:
Insu ran ce re d u c e d 2 p e r c e n t m onthly until ( l ) f o r e m ­
p lo y e e s with 10 o r m o r e y e a r s ' c o v e r a g e , am ount equals
p e rce n t o f am ount in e ffe c t im m e d ia te ly p r io r to
in itia l re d u ctio n m u ltip lie d by y e a r s o f c o v e r a g e up to 20,
m in im u m — $50 0; o r (2) f o r e m p lo y e e s with le s s than
10 y e a r s ' c o v e r a g e , in su ra n ce re d u c e d as above until
se p a ra tio n fr o m s e r v ic e o r until am ount in f o r c e is
$5 0 0 , w h ich e v e r is e a r l ie r .
N orth A m e r ic a n A v ia tio n ,
In c.

AND

ACCIDENTAL DEATH AND DISMEMBERMENT

L IF E INSURANCE

Maintained

A u to m o b ile W o r k e r s

HEALTH

to $ 2 . 5 0 _____
to $ 2 . 7 0 _____
to $ 2 . 9 0 _____
to $ 3 . 1 0 _____
and o v e r _____

N o n o c cu - Base hourly rate
pational;
L e s s than $ 1 .3 8 ..
occu pa­
$ 1 .3 8 to $ 1 .6 3
tion al
$ 1 .6 3 to $ 1 .8 8 __
$ 1 .8 8 to $ 2 .1 3 . ..
$ 2 . 13 to $ 2 .3 8 __
$ 2 .3 8 to $ 2 .6 3 _
$ 2 . 63 to $ 2 .8 8 __
$ 2 .8 8 to $ 3 . 13 . ..
$ 3 .1 3 and o v e r __

N o n o c cu pational;
occu pa­
tion al

2 ,4 0 0
2 ,6 0 0
2 ,8 0 0
3 ,0 0 0
3 ,2 0 0

>

800 $ 1 ,6 0 0
900
1,8 0 0
1, 000
2 ,0 0 0
1,1 00
2 ,2 0 0
1, 200
2 ,4 0 0
1 ,3 0 0
2 ,6 0 0
1 ,4 0 0
2 ,8 0 0
1 ,5 0 0
3 ,0 0 0
1 ,600
3 ,2 0 0

$ 1 ,7 5 0 $
875
2 ,0 00
1,000
2 .2 5 0
1 ,1 2 5
2 .5 0 0
1 ,2 5 0
2 .7 5 0
1 ,3 7 5
3 ,0 0 0
1 ,500
1
,6 2 5
3 .2 5 0
1 ,7 5 0
3 .5 0 0
3 .7 5 0
1 ,8 7 5

$ 1 ,7 5 0

$ 5 ,0 0 0 $ 2 ,5 0 0

$ 5, 000

2 ,0 0 0

2 .2 5 0
2 .5 0 0
2 .7 5 0
3 ,0 0 0
3 .2 5 0
3 .5 0 0
3 .7 5 0

IN S U R A N C E

PLANS

- Continued

ACCIDENT AND SICKNESS

H O SPITALIZATIO N

Duration of benefits
Cases
covered

Extended
coverage

Benefits begin
Daily
benefit

Except

Duration
Days

Benefits lim ited
to—
Nonoccupational

B asic hourly
rate

26
weeks
p er d is­
ability

1st day

Occupational

D ifference between W ork­
men* s Compensation benefit
and above amount

Nonoccupational

Weekly 26
benefit weeks
per d is­
ability
L ess than $ 1 . 3 8 _____ $35
$ 1 .3 8 to $1.63
$1.63 to $ 1.8 8
$ 1.8 8 to $2.13
$ 2.1 3 to $ 2 .3 8
$ 2 .3 8 to $2.63
$2.6 3 to $ 2.8 8
$ 2 .8 8 to $3.13
$3.13 and over

1st day

benefit

L ess than $ 1.70 .
$1.7 0 to $ 1.90
$1.90 to $2.1 0 „
$2.10 to $2.30
$2.30 to $ 2 .5 0 „
$ 2.5 0 to $ 2.7 0 ..
$2.7 0 to $2.90
$2.90 to $3.1 0 ..
$ 3.1 0 and over ..

Occupational

. $38.40
. 43.20
. 48.00
. 52.80
. 57.60
. 62.40
. 67.20
. 72.00
. 76.80

Extra allowance Per
or service
year

Per
d isa­
bility

Emergency
out-patient
care

Employee and dependents 1

8th day
o r 1st in
hospital
Semi­
private
room

Base hourly

Daily
amount

Maximum
room and
board
allowance

Full cost of
specified
se rv ice s 2

120 days

8th day
or 1st in
hospital

Required services
provided

Employee and dependents 1
Semi­
private
room

Full cost of
specified
services 2

120 days

Required services
provided

Difference between Work­
m en' s Compensation benefit
and above amount

Employee
(3)

(3 )

(3)

(3)

(3 )

(3 )

(3)

$8

70 days

$560

Up to $240

Up to $240

Dependents
$8

70 days

$560

Up to $120, plus
75 percent of
next $ 1,200 of
charges

1 Michigan Hospital S ervice (Blue C ross plan); em ployees in other areas covered by different program s.
2 A lso provided in connection with surgery p erform ed in out-patient department.
3 No accident and sickness benefit provided fo r m ajority of em ployees. These em ployees covered by the California State tem porary disability law. See Appendix A .




Up to $120, plus
75 percent of next
$1,200 of charges

144




SELECTED

HEALTH

AND

145
IN S U R A N C E

PLANS

- Continued

MEDICAL - Continued

MATERNITY PROVISIONS

Dependents

Hospi­ E lse­
tal
where

Up to
$3 per
visit

Ho spitalization
Maxi­ Maxi­
mum
mum
Other
number number provisions
A c c i­ visits
days
dent
paid
paid
for
for

Benefits begin

Allowance
Maximum
compensation

$5 for
each
day of
con ­
fine­
ment

$350 per disability

1st day,
$12.50
2d
througl
4th day
$5 per
day;
there­
after,
$4 per
day

$491.50 per
disability

Up to Up to Up to
$ 150 per year
$2 per $3 per $ 3 per
visit
visit
visit

Sick­
ness

1st day 1st day

Regular
benefits
for 6
weeks

1st day 1st day

120

per
disa­
bility

3d
visit

1st
visit

Accident
and
sickness

Regular
benefits
for 6
weeks

Daily
benefit Dura­
or
tion
service

Maximum
room and
board
allowance

Surgical

Schedule
Extra
Amounts
allowance Lurrp allowance
and
for
or
sum
normal limitations
services
delivery

Employee and dependent 1
Sem i­ 120
private days
room

Full cost
of s p e ci­
fied
services

Full cost
of sp e ci­
fied
services

Employee:
A ccident and sickness
imm ediately

$8

14
days

$11 2

Up to $120

Employee:
Accident and sickness— if p re g ­
nancy com m ences while insured

Employee:
If pregnancy com m ences while
insured
Up to $105

Michigan Hospital S ervice and M edical S ervice (Blue C ro ss and Blue Shield plans); em ployees in other areas covered by different program s.




Employee and dependent:
H ospitalization and surgical—
after 9 months

Up to $ 70

Employee only

1 per
day

Employee and dependent:
H ospitalization and su rg ica lafter 9 months

Up to $70

Employee and dependent 1
Semi­ 120
private days
room

Benefits available to
newly insured

146
SELECTED

COMPANY, UNION,
AND
DATE OF INFORMATION
Types and amounts
Life insurance -

Accidental
death and
di smemoe r ment

Hospitalisation

Surgical

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 a c­ Same as fo r active
tive em ployee.
tive em ployee em ployee
Not available to
until age 65
retired em ployees
Anesthesia allowance for ca ses in or out of hospiafter age 65 with
tal, if adm inistered by nonhospital employee—
1st half hour or fraction thereof, $10; each additional le ss than 10 years
half hour or fraction thereof, $5
service

Same as
fo r a c ­
tive em ­
ployee

Years of
service

Insurance

Automobile W orkers
10 to 2 0 ___$ 500
Anesthesia allowance fo r cases in o r out o f h ospi20 to 30___750
tal, if adm inistered by nonhospital em ployee—
1st half hour or fraction thereof, $10; each additional 30 or m ore 1,000
half hour or fraction thereof, $5

A pril 1958

Dependents of retired employee

Retired employee

Employee and dependents

AND

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

OTHER BENEFITS 1

F ord Motor Company

HEALTH

Medical

Life
insurance

Hospitali­
sation

Surgical

Same as
fo r re ­
tired em ­
ployee

Same a s
fo r r e ­
tired em ­
ployee

Same as
fo r r e ­
tired em ­
ployee

Same a s
for re­
tired em­
ployee

Medical

(2)

Employee and dependents

General M otors
C orporation
Automobile W orkers
A pril 1958

Same as
fo r active
em ployee

Same as
fo r r e ­
tired em ­
ployee

(2)

North A m erican Aviation,
Inc.
Automobile W orkers
A pril 1958

Employee and dependents
Anesthesia allowance (for surgery perform ed outside hospital)— up to $10
P olio expense allowance (for expense not covered by
other plan benefits incurred within 2 years after
date of contraction of disease)— up to $5,000
Supplemental accident expense allowance (for e x penses in excess of those covered by other plan
benefits, incurred within 90 days after accident)— up
to $300
Employee only
M ajor m edical expense allowance— 80 percent of e xpenses not covered by other plan benefits, incurred
during each benefit year, which is in excess of $100;
maximum— $ 5,000

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

< A N A T f)R Y

TMOT JTC

Michigan M edical S ervice (B1 e Shield plan); em ployees in other areas cov ered by different p rogram s.




°

147
IN S U R A N C E

PLANS

- Continued

FINANCING
Benefits for
employee

cr2SH,a“lT

Benefits for em p loyee's
dependents

Benefits fo r retired
employee

Benefits fo r dependents
of retired employee

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

Amount of contribution for—
Benefits for employee and dependents
Employee

Company

Life and accidental death and disLife and accidental
death and dism em ­
memberment insurance, accident
berment
insurance,
and sickness, and m edical benefits:
Monthly
accident and sick­
b a s ic hourly
rate
contribution ness, and m edical
benefits:
$2.7 6
L ess than $1.70 ______
Balance o f cost
$1.70 to $1.90 _______
3.10
$1.90 to $2. 10 _______
3.44
Hospitalization and
$2. 10 to $2.30 _______
3. 79
surgical:
$2.30 to $ 2 . 5 0 _______
4. 13
One-half of rate of
$2.5 0 to $2.7 0 _______
4.47
local Blue C ross
$2. 70 to $2.9 0 _______
4. 80
and/or Blue Shield
$2.90 to $3.10 _______
5.15
plan, but no m ore
5. 50
$3. 10 and over _______
than one-half of rate
of Michigan Hospital
plan (semiprivate
Hospitalization and su rg ical:
Balance of cost
room ) an d /or M ichi­
gan Medical S ervice
plan

Benefits for retired employee
_______ and dependents__________
Employee
Hospitalization and
surgical:
Full cost

Life and accidental
Life and accidental
U
i
s
SB& dis­
------------ insurance,
accident
m emberment
insurance. and
andaccid*
leath and dism em ber­
and sickness benefit, prior to age 65:
ment insurance, p rior
Base hourly
Weekly
rate
contribution benefit prior to age 6 5 # ? aSe
Employee pays $0. 50,
Balance o f cost
$0.50
L ess than $ 1 . 3 8 _______
per month per $1, 000
Hospitalization, sur- of life insurance a _
.60
$ 1.38 to $ 1 . 6 3 .........
ical, and m edical:
. 70
$ 1.63 to :$ 1 . 8 8 ________
of
.80
$ 1.8 8 to $2.13 _____
8•ne-half
.
- rate
v loca l Hospitalization, su rBlue
C ross
and/or
.90
$2. 13 to $ 2 . 3 8 .........
Blue Shield plan, but gical, and m ed ical:
1.00
$ 2 .3 8 to $2.63 ________
no m ore than one-half Full cost
1.10
$2.63 to $ 2.88 ...............
o f rate of Michigan
$ 2.8 8 to $3.13 ________
1.20
Hospital plan (s e m i1.30
$3.13 and o v e r ________
private room ) and/or
Hospitalization, surgical, and medical: Michigan Medical
Service plan
Balance of cost
$2.05 per month

At age 65 em ployee contribution reduced one half; amount applied to co st o f accident and sickness benefit.
and dismemberment coverage ceases at age 65.
Contributions not required of em ployees retired owing to disability.




Company
Life insurance:
Full cost

Life and accidental
death and dism em berment insurance,
prior to age 65:
Balance o f cost
Life insurance,
after age 65;
Full cost

Balance of cost

Company pays full cost of life insurance for employee age 65 and over.

Accidental death

148
SELECTED

ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

Steelworkers

Amount
B efore
age—

Insurance is—

1st day of 2d
month following
month em ploy­
ment com m ences

$ 4,0 00

Life insurance:
A fter 6 months'
employment

S ervice

60

Paid in—

Until age 65,
thereafter
$ 1, 400

February 1958

M inneapolis- Honeywell
Regulator Company
(Minneapolis, M inn.)
Team sters
January 1958

Other benefits:
Immediately o r
1st of following
month

6 months to
1 to 2 years
2 to 3 years
3 to 4 years
4 to 5 years
5 to 6 years
6 years and

Insurance
1 year
_
- ________ __ ____ _ __
_
- — ------------------- ---— __ _ __
------ _ _ _______ __
„
_ __
—
_ -------- __ __ „ _ __ _ __
over ____ ____ ______
(l )

1

A d dition al in su ra n ce p ro v id e d at e m p lo y e e 's e x p en s e .




Amount

If permanently and totally disabled

Maintained
Pullman-Standard Car
Manufacturing Company

$

500
750
1,000
1, 250
1, 500
1,750
2,000

AND

ACCIDENTAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

New em ployees
becom e
eligible—

HEALTH

60

Installments
or lump sum
(optional)

Cases
covered

Graduated
according to—

Single
MultiDeath dism em ­ dism em ­
berment berment

149
IN S U R A N C E

PLANS

- Continued

ACCIDENT AND SICKNESS

Duration of benefits
Cases
covered

$46. 50 per week

Occupational

D ifference between Work­
m en 's Compensation
benefit and above amount

N onoccupational

B asic weekly wage of less
than $80, two-thirds of
basic weekly wage, m axi­
mum— $40 per week; basic
weekly wage of $ 80 or
m o r e , one-half of basic
weekly wage, maximum—
$ 60 per week

Extended
coverage

Benefits begin
Daily
benefit

Except
After
age—

Nonoccupational

HOSPITALIZATION

Days

Benefits limited

26
weeks
per
disa­
bility

1st day

26
weeks
per
d isa­
bility

1st day

Extra allowance P er
or service
year

P er
d isa­
bility

Em ergency
out-patient
care

Employee and dependents

8th day

$1, 560

Up to $13

Full cost of
specified
services

Required se rvice s
provided

Employee and dependents

8th day
Up to $ 15

70 days

1 Duration determined by actual daily room and board charges (maximum— $13 per day; $1, 560 per disability).




Daily
amount

Maximum
room and
board
allowance

$ 1,050

Full cost of
specified
services

Required s e rv ice s
provided

150
SELECTED

HEALTH

AND

SU RG ICAL

CO M PA N Y , UNION,
AND
D A TE O F INFORM ATIO N

Up to schedule
a llow a n ce
a c c e p te d a s fu ll
paym ent i f annual
in c o m e i s under—

P u llm an -S tan d ard C a r
M anufacturin g C om pany

C ov ers
cases
E m p lo ye e

D ependents

M axim um sch ed u le a llo w a n ce

J1W

S te e lw o r k e r s

E m p loy ee

O p eration sch edu le—
s e le c t e d a llo w a n ce s

J3W

Up to sch edu le
a llow a n ce
a c c e p te d a s fu ll
paym ent i f annual
in c o m e i s under—

O ffic e

Hospi­
tal

M a x im um
num ber
v is it s
S ic k n e s s A ccid en t
p a id
fo r
B en efits b egin

A llo w a n ce
E ls e ­
w h ere

M axim um
com p en sa tion

M a x im um
n um ber
d ays
p aid
fo r

H ospital,
o f fic e , h om e,
e ls e w h e r e

T on s ill e c t o m y '
Up to $ 4 5
Up to $4 5

F e b ru a r y 1958
A p p e n d e cto m y
Up~to $ 1 5 0
|Up to $15 0

M in n ea p olis-H on e y w e ll
R e g u la to r C om pany
( M in n e a p o l is , M i n n .)
T e a m s te rs
J a n u a r y 1958




Individual c o v ­
e r a g e , $ 2 ,4 0 0 ;
fa m ily c o v e r a g e ,
$ 3 , 600

M axim um sch ed u le a llo w a n ce H osp ital,
$20 0
$200
o ffic e , h o m e ,
e ls e w h e r e
T o n s ille c t o m y
Up to $35
Up to $35
A p p en d ectom y
Up to $ 100
Up to $ 100

Individual c o v ­
e r a g e , $ 2 ,4 0 0 ;
fa m ily c o v e r a g e ,
$ 3 ,6 0 0

1st day,
up to
$ 6 ; 2d
day, up
to $ 4 ;
th ere­
a fte r ,
up to
$ 3 per
day

$ 21 4 p e r d is a b ility

1st day

1st day

70 p e r
d is a ­
b ility

151
IN S U R A N C E

PLANS

- Continued

M ED ICAL - Continued

M A T E R N ITY PROVISIONS

D ependents

O ffice




H o s p i­ E l s e ­
tal
w here

M axim um
com p e n sa tio n

A ccid e n t
and
s ick n e ss

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

R eg u la r
ben e fits
fo r 6
w eeks

1st
day,
up to
$ 6 ; 2d
day,
up to
$4;
th e r e ­
a fte r,
up to
$3 p e r
day

$ 2 1 4 p e r d is a b ility

S u rgica l

Ho spitali zation
M a xi­
B e n e fits begin M a x i­
m um
m um
Other
num ber num be: p r o v is io n s
S ick ­ A c c i ­ visits
days
n e ss
dent
paid
paid
fo r
fo r

1st
day

1st
day

M axim um
r o o m and
board
a llow a n ce

Schedule
E x tra
a llow an ce A m ounts
allo w a n ce Lurr.p
fo r
and
or
sum
n orm al lim ita tion s
s e r v ic e s
d eliv e ry

E m p lo y e e and dependent

B en efits ava ila b le to
new ly in su red

E m p lo y e e and dependent:
If p reg n a n cy c o m m e n ce s w hile

Up to Up to $ 75
$ 130

E m p lo y e e and dependent

70 p e r
d is a ­
bility
Up to
$15

70
days

$ 1 ,0 5 0

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

E m p loy ee and dependent:
't e r "9
9 m onths
rr“
A* fte
Up to $60

152
SELECTED

C O M PA N Y , UNION,
AND
D ATE O F INFORM ATION
L ife in su ran ce

F e b ru a r y 1958

D ependents o f r e t ir e d e m p loy ee

R e tir e d em p lo ye e
T y p e s and am ounts

S te e lw o r k e r s

A c c id e n ta l
death and
d is m e m o e rm e n t

H o sp ita liza tio n

S u rg ica l

M ed ica l

L ife
in su ran ce

H o s p ita li­
zation

S u rg ica l

R e tir in g at age 65
w ith lf> years*
s e r v ic e :
$ 1 ,4 0 0 "
R e tir in g betw een
a g e s 60 and 65,
ow ing to d isa b ility:
A m ount in e ffe c t
im m e d ia te ly p r io r
to re tir e m e n t
m aintain ed until
age 65, th e r e ­
a ft e r , $ 1 ,4 0 0

M in n eap olis - H oneyw ell
R e g u la to r C om pany
(M in n ea p olis, M in n .)
T e a m s te r s
January 1958

ip, ™
! SUCh ben e fits a s x - raY' an esth esia and e le c t r o c a r d io g r a m a llo w a n c e s m ay be p r o v id e d under som e pla n s, although not lis te d h are.
E X P L A N A T O R Y N O TES.




AND

EXTENSIO N O F B E N EFITS TO —
(m ust be at le a s t on group rate b a s is )

O TH ER BE N E FITS 1

P u llm an -S tan dard C a r
M anufacturin g C om pany

H EALTH

R ea son s fo r not lis tin g such b en efits a r e set fo rth in

M ed ica l

153
IN S U R A N C E

PLANS

- Continued

FINANCING
B en efits fo r
em p loyee

B e n e fits fo r e m p lo y e e 's
dependents

B e n e fits f o r r e t ir e d
em p lo ye e

B e n e fits fo r dependents
o f r e tir e d e m p lo y e e

Am ount o f con trib u tion
B e n e fits fo r e m p lo y e e and dependents

C om pany
Jointly
only

X

C om pany
E m p lo y e e Com pany
E m p lo ye e Com pany
E m p loyee
Jointly
Jointly
Jointly
only
only
only
only
only
only

X

X
<M

X

X

E m p lo ye e

Com pany

B e n e fits fo r e m p lo y e e only,
$ 7. 15 p e r m onth; f o r e m p lo y e e and
depen dents, $ 9* 95

D ependents' b e n e fits ;
F u ll c o s t

B a la n ce o f c o s t

fo r—
B e n e fits f o r r e t ir e d em p lo y e e
and dependents
E m p loy ee

(M

C om pany

(M

E m p lo y e e 's b e n e fits :
F u ll c o s t *

(2)

^'^*anCe<^
a c tive e m p lo y e e and com p an y co n trib u tio n s ; s e e co n trib u tio n colu m n fo r b e n e fits f o r e m p lo y e e and depen den ts.
con tribu te $ 4 .0 2 p e r m onth until age 65; those r e tir in g p r io r to age 65 ow ing to d is a b ility con tribu te $ 2 .0 1 p e r m onth until age 65.
E m p loyee c o v e r e d by additional life in su ran ce pays the c o s t o f this c o v e r a g e .




E m p lo y e e s r e t ir in g p r io r to age 65 f o r r e a s o n s oth er than d is a b ility

154
SELECTED
ELIGIBILITY
REQUIREMENTS
COM PANY, UNION,
AND
DATE OF INFORMATION

Amount
Before
age—

Insurance is—
Maintained

E le c t r ic a l (lUE)
A p ril 1958

E lg in N ationa l W atch
C om pany
W ateh W o r k e r s
January 1958

S a la ry

Insurance

$ 3 0 . 00 w e ek ly to $ 3 7 . 50 w ee k ly
_ $ 3 ,6 0 0
$ 3 7 .5 0 w e e k ly to $ 4 5 .0 0 w e e k ly _
___
4 ,2 0 0
$ 4 5 .0 0 w e ek ly to $ 5 2 .5 0 w e e k l y _________ —-----5 ,0 0 0
$ 5 2 .5 0 w eek ly to $ 6 0 .0 0 w eek ly .____
_
_j
5,8 0 0
A c c id e n t and
s ic k n e s s b e n e fits : $ 6 0 .0 0 w e e k ly to $ 6 2 .5 0 w eek ly _______ „_______
6 ,4 0 0
Im m e d ia te ly o r
$ 6 2 .5 0 w e ek ly to $ 7 2 .5 0 w eek ly
7 ,0 0 0
1st o f fo llo w in g
$ 7 2 .5 0 w eek ly to $ 8 1 .5 0 W e e k l y ________________
8 ,0 0 0
m onth
$ 8 1 .5 0 w eek ly to $ 9 1 .5 0 w eek ly
_ _
_
9 ,0 0 0
10 ,0 0 0
$ 9 1 .5 0 w eek ly to $ 5 ,2 5 0 . 01 annually .__________
O th er b e n e fits:
$ 5 ,2 5 0 .0 1 annually to $ 5 ,7 5 0 .0 1 a n n u a l l y ____11,000
1st day .of m onth
$ 5 , 7 50 .01 annually to $ 6 ,2 5 0 .0 0 a n n u a l l y _____
12,000
fo llo w in g 40 days 1 and up
e m p loym en t

L ife in s u r a n c e
and a c c id e n t and *
s ick n e s s b e n e fits:
Im m ed ia tely o r
1st o f fo llo w in g
m onth

S e r v ic e

Insu ran ce

L e s s than 6 m o n t h s __________ ___ ____________
6 m onths to 1 y e a r „ __
__ _____________ _
1 y e a r and o v e r _

$

O ther b e n e fits :
A fte r 1 m o n th 's
e m p loym en t

Available only if employed by company prior to age 55.




Amount

If permanently and totally disabled

L ife in su ra n ce :
S p erry G yroscop e
C om pany (D iv isio n o f
A fte r 90 days*
S p e r r y Rand C orp o ra tio n ) em p loym en t

(M

450
750
1, 500

AND

ACCIDENTAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

New employees
become
eligible—

HEALTH

60

Paid in—
Installments

C ases
covered

Graduated
according to—

Single
MultiDeath dism em ­ dism em ­
berment berment

155
IN S U R A N C E

PLANS

- Continued

H OSPITALIZATIO N

ACCID EN T AND SICKNESS

D uration o f b e n e fits
C a ses
covered

Nonoccupation al

W eekly
•alary

W eekly
ben efit

$ 3 0 .0 0 to $ 3 7 .5 0 _
$ 3 7 .5 0 to $ 4 5 .0 0 __
$ 4 5 .0 0 to $ 5 2 .5 0 _ _
$ 5 2 .5 0 to $ 6 0 .0 0 __
$ 6 0 .0 0 to $ 67. 50 —.
$ 6 7 .5 0 to $ 7 5 .0 0 __
$ 7 5 .0 0 to $ 8 2 .5 0 —
$ 8 2 .5 0 to $ 9 0 .0 0 _ _
$ 9 0 .0 0 to $ 9 7 .5 0 —
$ 9 7 .5 0 to $105.00 —
$105.00 to $112.50
$112.50 to $ 1 2 0 .0 0 —.
$120.00 to $127.50—.
$127.50 and o v e r ___

Nonoccupational

D aily
benefit

E xcep t

$20
25
30
35
40
45
50
55
60
65
70
75
80
85

26
w eeks
p e r dis*
a b ility

5th to 11th d a y 1— $3 p e r day; 150 days
p e r d is ­
W eek ly
W eekly a b ility
ea rn in g s
b en efit

A ft e r
age—

B en efits lim ite d

60

26 w eeks during
any 12 c o n s e c u ­
tiv e m o n th s, if
due to s ick n e s s

Extended
coverage

B e n e fits begin

D ays

A ccid e n t

1st day

21 days

P er
year

P er
d is a ­
b ility

E m e rg en cy
out-patien t
care

180

F u ll c o s t o f
s p e c ifie d
s e r v ic e s f o r 1st
21 d a y s; 50 p e r ­
cent o f c o s t fo r
add ition al 180
days

50 p e r c e n t
o f cost of
s e m i­
p riv a te
room

Up to $ 7 .2 5

E m p loy ee and depen dents

5th day
Up to $ 10

70 days

$ 4 0 to $ 4 5
$ 2 5 .5 0
$ 4 5 to $ 5 0
2 8 .5 0
$ 5 0 to $ 5 5
3 1 .5 0
$ 5 5 to $ 6 0
_ 3 4 .5 0
$ 60 to $65
3 7 .5 0
$ 6 5 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 . .
4 9 .5 0
$ 8 5 to $ 9 0 _
.
5 2 .5 0
$ 9 0 to $ 9 5
5 5 .5 0
$9 5 to $100
58. 50
$ 100 and o v e r _ _____6 0 .0 0
- $ 3 p e r day

<

( a)

If h os p ita liz e d , 1st day in h o sp ita l to 11th day o f d is a b ility .
B en efit fo r e m p lo y e e w ith 6 m onths o r l e s s s e r v ic e lim ite d to ^3 p e r day r e g a r d le s s o f num ber o f days absent.




E x tra allow a n ce
o r s e r v ic e

E m p loy ee and dependents

8th day
S e m i­
p riv a te
room

5th day
o r 1st in
h o sp ita l

D aily
am ount

M axim um
r o o m and
b oa rd
allow a n ce

$ 70 0

Up to $ 150

—

X

Up to $ 150

156
SELECTED

Up to schedule
a llow a n ce
a c c e p te d a s fu ll
paym ent i f annual
in co m e i s under—

E m p loyee

O peration s c h e d u l e s e le c t e d a llo w a n ce s
C ov ers
ca ses
E m p lo y e e

D ependents

Individual c o v e r ­ M axim um sch ed u le allowance! H o sp ita l,
S p e r r y G y ro s c o p e
JTGT
o f fi c e , h o m e ,
—
a g e , $ 3 ,0 0 0 ;
C om pany (D iv isio n o f
e ls e w h e r e
S p e r r y Rand C orp o ra tio n ) fa m ily , $ 5 ,0 0 0
T on s ill e cto m y
U p to $ 7 8
Under age 12,
E le c t r ic a l (lUE)
up to $54 ;
o v e r age 12,
A p r il 1958
up to $78

jm

_______ A p p en d ectom y________
Up to $150
Up to $150

Up to sch edu le
allo w a n ce
a c c e p te d a s fu ll
paym ent i f annual
in c o m e is under—

Individual c o v e r ­
a g e , $ 3 ,0 0 0 ;
fa m ily , $ 5 ,0 0 0

O ffic e

H o s p i­
tal

1st 2
days,
$ 10 per
day; 3d
through
21st
day, $5
p e r day;
22d
through
2 01 st
day,
$ 2 .5 0
p e r day

M a x iM a x im um
m um
num ber num ber
v is it s
days
Sickne s s A c cident
paid
p a id
fo r
fo r
B en efits begin

A llo w a n ce
E ls e ­
w h ere

M axim um
com p en sation

$565 p er d is a b ility

1st day

1st day

1st 2
days,
2 p er
day
(*)

(M

E lg in N ational W atch
C om pa n y
W atch W o r k e r s
January 1958

f^ T

M axim um sch ed u le a llo w a n ce H o sp ita l,

T25B------------------------------------ o f fic e , h o m e ,
T o n s ille c t o m y
Up to $ 5 0
U nder age 12,
up to $ 30;
o v e r age 12,
up to $ 5 0

e ls e w h e r e

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

$ 2 0 0 p e r d is a b ility

1st day,

1st day

(2 )

A p p e n d e cto m y
Up to $ 125
|Up to $ 125

* M e d ica l a llo w a n ce p r o v id e d a ft e r f ir s t 2 d a y s , w hether o r not d o c t o r m ak es d a ily v is it s .
allow anced 8Ur®*c a * o p e r a tio n p e r fo r m e d , a llo w a n ce i s g r e a t e r o f (a) $ 4 f o r e a ch day o f h o sp ita l con fin e m e n t up to day o f o p e ra tio n ; o r (b) $ 4 f o r ea ch day o f con fin em en t m in us s u r g ica l op e r a tio n




AND

M E D IC A L

SU RGICAL

C O M PA N Y , UNION,
AN D
D A T E O F INFORM ATION

HEALTH

157
IN S U R A N C E

PLANS

- Continued

M E D IC A L - Continued

M A T E R N ITY PROVISIONS

D ependents

H o s p i­ E l s e ­
tal
w h e re

1st
2 days

M axim um
com p e n sa tio n

$56 5 per d isa b ility

S u rgica l

H osp ita liza tio n
M a x i­
B e n e fits begin M axi­
m um
m um
O ther
num ber numbe:rjp ro v is io n s
S ick ­
A c c i ­ v is its
days
n ess
paid
dent
paid
fo r
fo r
1st
day

1st
day

$10
per
day; 3d
through
21st
day, $5
per
day;
22d
through
201st
day,
$ 2 .5 0
per day

1st
2 days,
2 per
day
(l )

A c c id e n t
and
s ick n e s s

1 in R eg u la r
h osp ital
b e n e fits
c o n s u lta ­ fo r 6
tion
w eek s
allow an ce
per d is a ­
b ility , up
to $10

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

M axim um
r o o m and
board
allo w a n ce

S chedule
E x tra
allow a n ce A m oun ts
allo w a n ce Lurr.p
and
fo r
sum
or
n orm a l lim ita tion s
s e r v ic e s
d e liv e r y

E m p lo y e e and dependent
Up to Up to $90
$80

B en efits ava ila b le to
new ly in su red

E m p lo y e e :
A c c id e n t and s ick n e s s — a fte r 10
m onths
H os p ita liz a tion and s u r g ic a l—
a fte r 7 m onths
D ependent:
Im m ed ia tely

(>)

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

$ 2 0 0 p e r d is a b ility

1st
day

1st
day

E m p lo y e e and dependent

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

E m p loy ee and dependent:
If p reg n a n cy c o m m e n c e s w hile

Up to $ 150 m a te rn ity a llow a n ce

(3)

M e d ica l a llo w a n ce p r o v id e d a fte r f ir s t 2 d a y s, w h ether o r not d o c t o r m a k e s d a ily v is it s .
B a s e d on re q u ire m e n t that new ly in s u re d e m p lo y e e m u st have b e e n a c t iv e ly at w o rk fo r 10 m onths to be c o v e r e d f o r m a tern ity b e n e fits .
.
If s u r g ica l o p e ra tio n p e r fo r m e d , a llo w a n ce i s g r e a t e r o f (a) $ 4 f o r ea ch day o f h o s p ita l con fin em en t up to day o f o p e ra tio n ; o r (b) $ 4 f o r ea ch day o f con fin em en t m inus s u r g ica l op era tion




158
SELECTED

OTHER BENEFITS

T y p e s and am ounts

Life insurance

E le c t r ic a l (IUE)
A p ril 1958

Dependents o f retired em ployee

R etired em ployee

E m p lo y e e and depen dents

G en eral a n e sth e sia a llo w a n ce (fo r s u r g e r y p e r ­
fo r m e d in o r out o f h o s p ita l, if a d m in is te r e d by
d o c t o r , o th er than op eratin g d o c to r o r h is a s s i s t ­
ant o r h o s p ita l e m p lo y e e )— 20 p e r c e n t o f o p e r a tio n
a llo w a n ce ; m in im um — $ 18

AND

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

1

C O M P A N Y , UNION,
AN D
D ATE OF INFORM ATION

S p e r r y G y ro s c o p e
C om pany (D iv isio n o f
S p e r r y Rand C o rp o rtio n )

HEALTH

R e tirin g at age 65
(60 f o r ________ r
with 15 y e a r s '
s e r v ic e :
$ 1, 000

Accidental
death and
dismemberment

Hospitalization

Surgical

M edical

Life
insurance

H ospitali­
sation

Surgical

M edical

R e tir in g at age 65
(60 f o r w om en) with
15 y e a r s ' s e r v ic e :
Sam e as f o r activ e
e m p lo y e e

R e tirin g
at age o5
(60 f o r
w om en)
with 15
years'
s e r v ic e :
Sam e as
fo r a c ­
tive e m ­
ployee

R e tir in g at
age 65 (60
f o r w om en )
w ith 15
years'
s e r v ic e :
Sam e as
f o r a ctiv e
em p lo y e e

Sam e as
fo r r e ­
tir e d e m ­
ployee

Sam e as
fo r r e ­
t ir e d e m ­
ployee

Sam e as
fo r r e ­
t ir e d e m ­
ployee

Sam e a s f o r a c tiv e
e m p lo y e e but m a x ­
im u m ho s p ita liz a tion , s u r g ic a l, and
m e d ic a l b e n e fits
lim ite d during
r e tir e m e n t to $ 650

Sam e a s
fo r a c ­
tiv e e m ­
p lo y e e
but m a x ­
im u m
h o s p ita l­
iza tion ,
s u r g ica l,
and
m e d ic a l
b en efits
lim ite d
during r e ­
tire m e n t
to $650

Sam e a s
fo r a c ­
tiv e e m ­
p lo y e e but
m axim u m
h o s p ita l­
iz a tion ,
s u r g ica l,
and
m e d ic a l
b en efits
lim ited
during r e ­
tirem en t
to $650

Same as
fo r r e ­
tired em ­
ployee

Sam e a s
fo r r e ­
t ir e d e m ­
p lo y e e

Same as
fo r r e ­
tired em ­
ployee

R a dia tion th erapy allo w a n ce f o r m alignant
co n d itio n s ( fo r trea tm en t in o r out o f h o sp ita l)— up
to $ 2 3 3 .3 3
E le c t r o -s h o c k th erapy a llow an ce (fo r treatm en t in
o r out o f h o s p ita l)-—up to $100

E lg in N ational W atch
C om pany
W atch W ork ers
January 1958

$ 750

Such b e n e fits as X - r a y , a n e sth e sia and e le c t r o c a r d io g r a m a llo w a n c e s m ay be p r o v id e d under so m e pla n s, although not lis t e d h e re.
E X P L A N A T O R Y N O TES.




Reasons fo r not listing such benefits are set forth in

159
IN S U R A N C E

PLANS

- Continued

FINANCING
B en efits f o r
e m p loy ee

B e n e fits f o r e m p lo y e e 's
dependents

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

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

A m ount o f con trib u tion
B e n e fits f o r e m p lo y e e and dependents

Com pany
Jointly
only

Com pany
E m p lo y e e C om pany
E m p lo y e e C om pany
E m p loyee
Jointly
Jointly
Join tly
on ly
only
only
only
only
only

X

X

E m p lo y e e

X

X

Com pany

fo r —
B e n e fits f o r r e t ir e d em p lo y e e
and dependents
E m ployee

C om pany

F u ll c o s t

F u ll c o s t 1

(*)

X

X

X

X

L ife in su ra n ce and a c c id e n t and
s ick n e s s b e n e fit:
0.25 p e r c e n t o f w ee k ly g r o s s
ea rn in gs up to $ 100 p e r w eek
O ther b e n e fits:
b e n e fits fo r e m p lo y e e o n ly , $ 0 .4 0
p e r w eek ; f o r e m p lo y e e and d e ­
pen d en ts, $ 1

B a lan ce o f c o s t

L ife in su ra n ce:

L ife in su ran ce:
(2 )

(a )
O ther b en efits:
Sam e a s a ctiv e
em p lo y e e

O ther b en efits:
B a lan ce o f c o s t

1 F inan cing o f b e n e fits as o f M ay 1958. P r i o r to M ay 1958, a p o rtio n o f the life in su ra n ce w as p ro v id e d on a co n tr ib u to r y b a s is ; all other benefits were company financed.
* F inan ced b y activ e e m p lo y e e and com p a n y co n trib u tio n s fo r life in su ra n ce and a c c id e n t and s ick n e s s b e n e fits ; s e e co n trib u tio n co lu m n s for benefits for active employee and dependents.




160
SELECTED

E L IG IB IL IT Y
REQU IREM EN TS
C O M PA N Y , UNION,
AND
D A T E O F INFORM ATION

Am ount
B e fo r e
age—

John son and Johnson
A c c id e n t and s i c k - $ 2 ,0 0 0
(New B ru n s w ick , N . J . ) n e s s b e n e fits :
Im m e d ia te ly o r
1st o f fo llo w in g
T e x tile W ork e rs '(T W U A )
m onth
A p r il 1958
O th er b e n e fits:
A ft e r 90 d a y s 1
e m p loym en t

60

$ 1 ,0 0 0

60

Im m e d ia te ly o r
1st o f fo llo w in g
m onth

J e w e lr y W o r k e r s ,
L ocal 1
January 1958

D o ll and toy in d u stry,
N ational A s s o c ia t io n o f
D o ll M a n u fa ctu re rs, and
oth er e m p lo y e r s
(N ew Y o r k , N . Y .)

A c c id e n t and s ick - $ 1 ,0 0 0
n e s s b e n e fits :
Im m e d ia te ly o r
1st o f fo llo w in g
m onth

D oll and T o y W o r k e r s ,
L o c a l 223

O th er b e n e fits :
6 m onths * union
m e m b e r s h ip and
c o v e r e d e m p lo y ­
m ent

M ay 1958




Am ount

If p e rm a n e n tly and to ta lly d is a b led
Insu ran ce is —
M aintained

J e w e lr y in d u stry ,
A s s o c ia t e d J e w e le r s ,
In c. , J e w e lr y C rafts
A s s o c ia t io n , and o th e r
e m p lo y e r s
(New Y o rk , N . Y .)

AND

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

L IF E INSURANCE

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

H EALTH

C ases
cov ered

P a id in —

X

In stallm en ts

G raduated
a c c o r d in g to—

Single
M u ltiDeath d is m e m ­ d is m e m ­
b erm en t b erm en t

N o n o c cu pational;
occu pa­
tion al

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

$ 2 ,0 0 0

N o n o c cu pational

$ 1 ,0 0 0 $500

$ 2 ,0 0 0

161
IN S U R A N C E

PLANS

- Continued

HOSPITALIZATION

ACCID EN T AND SICKNESS

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

Am ount

E x cep t
P e r io d

N on occu p a tional

T w o -th ir d s o f a v e ra g e
w ee k ly e arn in gs—
M in im um — $10 p e r w eek
M axim um — $35 p e r w eek

26
w eeks
p er d is a b ility

A fte r
age—
60

B e n e fits lim ite d
to—
26 w ee k s during
any 12 c o n s e c u tive m onths

A c c id e n t

1st day

Sickne s s

N on occu p a tion al

B a se w e e k ly
pay

W eekly 52
b e n e fit w eeks
per d is ­
L e s s than $ 4 0 _____ $22
a b ility
$40 to $45 .
25
$4 5 to $50
_ _
28
$50 to $ 5 5 __________
31
$55 to $ 6 0 __________
34
$60 to $ 6 5 __________
37
40
$ 65 to $ 7 0 __________
$ 70 to $ 7 5 __________
43
46
$75 and o v e r _______

$33 p e r w eek o r o n e -h a lf
a v e r a g e w e e k ly w a g e , m a x i­
m um — $45 ; w h ich e v e r is
g r e a te r 4

1

20
w eeks
per
year

D aily
benefit
or
s e r v ic e

_

1st day

D ays

D aily
am ount

E x tra allow a n ce
o r s e r v ic e

E m ergen cy
ou t-patien t

P er
year

P er
d is a ­
b ility

X

—

R e q u ir e d s e r v ic e s
p r o v id e d 3

—

X

Up to $ 120

——

X

Up to $80

X

Up to $ 7 .2 5

E m p loy ee and depen dents
S e m ip riv a te
room

_

M axim um
r o o m and
b oard
a llow a n ce

D uration

8th day

(X)

N o n o ccu p a tional

E xtended
coverage

B e n e fits begin

120 days 2

245 2 Up to $ 5

—

F u ll c o s t o f
s p e c ifie d
s e r v ic e s

E m p lo y e e

8th day
$12

70 days

—

$840

—

Up to $ 120
D ependents

$8

—

—

4th day

$248

—

31 days

Up to $80

E m p lo y e e and dependents

4th day
S e m i­
p riv a te
room

21 days

180

50 p e r c e n t
o f -co st o f
s e m ip riv a te
room

F u ll c o s t o f
s p e c ifie d s e r v ­
i c e s f o r 1st 21
d ays; 50 p e r c e n t
o f c o s t f o r a d d i­
tion al 180 days

E m p loy ee with le s s than 90 d a y s ' e m p loym en t r e c e iv e s b e n e fits r e q u ir e d by the New J e r s e y State te m p o r a r y d is a b ility la w . See A ppendix A .
E m p loye e and dependents o v e r age 70 a llow ed a m axim u m o f 20 days per y e a r .
3 A ls o p ro v id e d f o r a m axim u m o f 3 days fo r any one a c c id e n t o r con d ition r e q u irin g o p e r a tiv e s u r g e r y o f a cutting n atu re, i f r e g is t e r e d as an o u t-p a tien t in h o s p ita l.
4 A va ila b le to e m p lo y e e with at le a s t 6 m o n th s ' union m e m b e r s h ip . E m p lo y e e with le s s than 6 m o n th s' m e m b e r s h ip r e c e iv e s ben e fits r e q u ir e d by die N ew Y o r k State te m p o r a r y d is a b ility law a fter
w aiting p e r io d o f 7 d a y s . See A ppendix A .




162
SELECTED

COMPANY, UNION,
AND
DATE OF INFORMATION

Joh n son and Johnson
(N sw B ru n sw ick , N . J .)

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

S ingle c o n tr a c t,
$ 5 ,0 0 0 ; fa m ily ,
i|>7, 500

Operation schedule—
selected allowances

Dependents

M axim um s ch e d u le a llow an ce
$300
$300

H o sp ita l,
o ffic e 1

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

O ffice

S ingle c o n tr a c t,
$ 5 ,0 0 0 ; fa m ily ,
$ 7 ,5 0 0

H ospi­
tal

M axi­
m um
num ber
v is its
Sickness Accident
p aid
fo r

M a xi­
m um
num ber
days
p aid
fo r
21 per
d is a ­
b ility

Benefits begin

Allowance

Tonsillectomy
ecw n iy
U nder age 15,
Up to $ &5
up to $ 50;
o v e r age 15,
up to $ 65

T e x tile W o r k e r s (TW U A)
A p r il 1956

E ls e ­
where

Maximum
compensation

1st day,
up to
$ 10 ;
th e r e ­
a ft e r ,
up to $5
p e r day

$110 per d is a b ility

1st day

1st day

Up to
$3 p e r
v is it

U nder age 60:
$ 7 5 p e r d is a b ility

1st day

3d day

—

A ppendectom y*
Up to $150
Up to $150

Up to
$3 p e r
v is it

M axim um sch ed u le a llow an ce H o s p ita l,
£T5U“
$300
o ffic e

J e w e lr y in d u stry,
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 ra fts
A s s o c ia t io n , and o th e r
e m p lo y e r s
(New Y o r k , N. Y . )

Up to
$2 p e r
v is it

O v e r age 60:
$75 p e r y e a r

Tonsillectomy
Up to $2 5
Up to $50
A p p en d ectom y
Up to $ 100
Up to $200

J e w e lr y W o r k e r s ,
L ocal 1
January 1958

D o ll and toy in d u stry ,
N ational A s s o c ia t io n o f
D oll M a n u fa c tu r e r s , and
oth er e m p lo y e r s
(New Y o r k , N. Y .)
D o ll and T o y W ork e rs ,
L o c a l 223
M ay 1958

S in gle c o n t r a c t,
$ 2 , 500; fa m ily ,
$ 4 ,0 0 0

M axim um sch e d u le allow ance H o sp ita l,
o f fi c e , h om e,
e ls e w h e r e
Tonsillectomy
U nder age 12,
U p to $ 61
up to $45;
o v e r age 12,
up to $65

T750----------- rfrsB--------------

S ingle c o n tr a c t,
$ 2 , 500; fa m ily ,
$ 4 ,0 0 0

________A p p e n d e cto m y
Up to $ 125
I Up to $125

E m e r g e n c y s u r g ic a l allo w a n ce o f up to $50 fo r trea tm en t in h o m e , o f fi c e , o r e ls e w h e r e a lso p ro v id e d .




AND

Employee
C overs
cases

Employee

HEALTH

Up to
$ 5 per
v is it

$250 per d isa b ility

1st day

1st day

50 p o r

d is a ­
b ility

163
INSURANCE

PLANS

- Continued

M ED ICAL - Continued

M A T E R N ITY PROVISIONS

D ependents

O ffic e




H o sp i­ E l s e ­
tal
w h ere
1st
day,
up to

M axim um
co m p e n sa tio n

$110 p e r d is a b ility

S u rgica l

H o sp ita liza tio n
M a x i­
M axim um
m um
O ther
num ber num ber p r o v is io n s
A c c i ­ v is its
days
dent
paid
paid
fo r
fo r

B e n e fits begin

A llow an ce

S ic k ­
ness

1st
day

21 p e r
d is a ­
ip sp ita l
b ility o n ly : 1"
co n su lta ­
tion a llo w ­
ance per
disability,
up to $15;
paym ent
to p h y si­
cia n a d ­
m in is t e r ­
ing b lo o d
tra n s fu ­
sion s
lim ite d to
2 per d is ­
a b ility , up
to $10 p e r
transfusion

1st
day

$ 10;
th e r e ­
a fte r ,
up to
$ 5 per
day

A ccid e n t
and
s ick n e s s

R eg u la r
b en efits
fo r 6
w eeks

R eg u la r
b e n e fits
fo r 6
w eeks

D aily
ben efit D u ra­
tion

M axim um
r o o m and
board
allow an ce

M ed ica l

Schedule
E x tra
a llow an ce A m oun ts
a llow an ce Lurr.p
and
fo r
sum
or
n orm a l lim itation s
s e r v ic e s
d e liv e r y

E m p loy ee and dependent:
H osp ita liz a tion and s u r g ica l—
a fte r 240 days

E m p lo y e e and dependent
7 days
S em i
p riv a te
room

Up to
$125

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

E m p loy ee:
A c c id e n t and s ic k n e s s -—i f p r e g ­
nan cy c o m m e n c e s w hile in s u re d

E m p lo y e e :
Im m ed iately

E m p lo y ee
$12

14
days

Up to $120

$16 8

B en efits available to
new ly in su red

_

Up to
$100

_

Dependent:
A lte r 9 m onths

D ependent
$8

Up to
$ 5 pe:
v is it

$250 per d isa b ility

1st
day

1st
day

50 per
d is a ­
b ility

10
days

$80

Up to $ 80

—

Up to $50

E m p lo y e e and dependent

_

_

_

Up to Up to $75
$80

—

E m p loy ee and dependent:
A fte r 4 m onths

164
SELECTED

C O M P A N Y , UNION,
AND
D ATE O F INFORM ATIO N
T y p e s and am ounts
L ife in su ra n ce

T e x tile W o r k e r s (TW U A)
A p ril 1958

D ependents o f rletired e m p loy ee

R e tir e d e m p lo y e e

E m p lo y e e and dependents

AND

EXTENSIO N O F BE N E FITS TO —
(m ust be at le a s t on group rate b a s is )

O TH ER B E N E F IT S 1

John son and Johnson
(New B r u n sw ick , N . J . )

HEALTH

$ 2 ,0 0 0

A cc id e n ta l
death and
d ism e m b e rm e n t

—

H o sp ita liz a tio n

Sam e as fo r a ctiv e
e m p lo y e e

S u rg ica l

M ed ica l

L ife
in su ran ce

Sam e as Sam e as
f o r activ e fo r a ctiv e
e m p loy ee em p loyee

H o s p ita li­
zation

S u r g ic a l

M e d ica l

Sam e as
Sam e as Sam e as
f o r r e t ir e d
fo r r e t ir e d fo r r e ­
em p loy ee
tir e d e m ­ e m p loy ee
ployee

A n e sth e sia allow an ce (fo r a d m in iste rin g a n esth esia
in o r out o f h o sp ital)— -v a rie s a c c o r d in g to a llo w ­
ance payable f o r o p e r a tio n s ; m in im u m — $1 0 ,
m ax im um— $ 80

J e w e lr y in d u stry,
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 rafts
A s s o c ia tio n , and o th e r
e m p lo y e r s
(New Y o r k , N . Y .)
J e w e lr y W o r k e r s ,
L ocal 1
January 1958

D o ll an d toy in d u stry ,
E m p lo y e e on ly
N ational A s s o c ia t io n o f
D o ll M a n u fa ctu re rs, and
oth er e m p lo y e r s
T u b e r c u lo s is c a s h settlem en t a llo w a n ce f o r
(New Y o rk , N . Y .)
pu lm o n a ry la ry n g a l o r re n a l tu b e r c u lo s is co n tr a c te d
f o r the f ir s t tim e — $400
D o ll and T o y W o r k e r s ,
G e n e ra l m e d ica l e xam in ation in union p h y s icia n 1s
L o c a i 223
o f fic e (including X - r a y s , t e s t s , and m e d icin e s )—
w ithout ch a r g e
M ay 1958

—

—

—

—

—

—

—

E m p lo y e e and dependents
R a dia tion th erapy a llow a n ce f o r m align ant c o n d ition s f o r treatm en t in o r out o f h o s p ita l— up to $200
per y e a r

-

1 Such b e n e fits as X - r a y , a n e sth e sia and e le c t r o c a r d io g r a m a llo w a n ce s m ay be p ro vid e d under s o m e pla n s, although not lis te d h e r e .
E X P L A N A T O R Y N O T ES.




R ea son s f o r not lis tin g such ben efits a r e s e t forth in

—

165
IN S U R A N C E

PLANS

- Continued

FINANCING
B en efits f o r
em p loy ee

B e n e fits fo r e m p lo y e e 's
dependents

B e n e fits f o r r e t ir e d
em p lo ye e

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

Am ount o f con tribu tion
B e n e fits f o r em p lo y e e and dependents

C om pany
Join tly
only

X

—

Com pany
E m p loyee C om pany
E m p lo ye e C om pany
E m p lo ye e
Jointly
Join tly
Jointly
only
only
only
only
only
only

X

_
_
_

—

_
_
_

X
(M

_
_
_

_
_
_

X

_
_
_

E m p lo y e e

_
_
_

Com pany

F u ll c o s t

(M

B en efits f o r r e t ir e d e m p loy ee
and dependents
E m p loyee

(M

C om pany

L ife in su ra n ce:
F u ll co s t
H osp ita liza tion ,
su rg ica l, and
m e d ica l:
60 p e r c e n t o f co s t

X

X

F u ll c o s t but not
m o r e than 3 .9 p e r ­
cen t o f m onthly
p a y r o ll

X

X

F u ll c o s t — $ 2 .5 0 p er
w eek fo r ea ch e m ­
p lo y e e w ork in g at
le a s t 32 h ou rs p er
w eek;. $0*0 65 p e r
h ou r fo r ea ch e m ­
p lo y e e w ork in g le s s
than 32 h ou rs p e r
w eek plus $ 0 . 05 p er
w eek fo r ea ch e m ­
p lo y e e w ork in g
during any w eek r e ­
g a r d le s s o f hours
w ork ed

H osp ita liz a tio n , s u r g ic a l, and m e d ica l ben e fits fin a n ce d jo in tly by com pan y and lo c a l union; lo c a l union pays 40 p e rce n t o f c o s t o f b en efits




fo r —

166
SELECTED
EL IG IB IL IT Y
REQU IREM EN TS
C O M P A N Y , UNION,
AND
D A T E O F INFORM ATION

LIFE INSURANCE

Amount

Insurance is—

B e fo r e
age—

Maintained
V a rio u s e m p lo y e r s ,
St. L o u is , M o ., a re a

Im m e d ia te ly o r
1st o f fo llo w in g
m onth

$ 2 ,0 0 0

L ife and a c c id e n ta l
death and dism em b e r m e n t in su ra n ce
and a c c id e n t and
s ick n e s s b e n e fits :
A fte r 3 m o n th s 1
e m p loym en t

Annual s tr a ig h t-tim e
b a s ic w age

AND

ACCIDENTAL DEATH AND DISMEMBERMENT

Amount

If permanently and totally disabled
N ew e m p lo y e e s
becom e
e lig ib le —

HEALTH

65

F o r 1 y e a r (o r
f o r p e r io d in ­
s u r e d i f l e s s that
1 y e a r)

60

$ 1 ,0 0 0

M a c h in is ts , D is t r ic t 9

Cases
covered

Paid in—

Graduated

Multi­
Single
Death dismem­ dismem­
berment berment
$ 2 ,0 0 0 $ 1 ,0 0 0

$ 2 ,0 0 0

I n s ta llm e n ts , N o n o c cu - Annual s tr a ig h t-tim e
fu ll am ount
p ational
b a s ic w age
le s s $ 1 ,0 0 0
L e s s than $ 1 ,2 0 0 ____ $ 1 ,0 0 0 $
500
$ 1 ,2 0 0 to $ 1 ,8 0 0 ____ 1 ,5 0 0
750
$ 1 ,8 0 0 to $ 2 ,4 0 0 ____ 2 ,0 0 0
1 ,0 0 0
$ 2 ,4 0 0 to $ 3 ,2 0 0 ____ 3 .0 0 0
1 ,5 0 0
$ 3 ,2 0 0 to $ 4 ,0 0 0 ____ 4 .0 0 0
2 ,0 0 0
$ 4 ,0 0 0 and o v e r ____ 5 ,0 0 0
2 ,5 0 0

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

N on occu p ation al;
occupa­
tional

Jan uary 1958

K en n ecott C op p er C o r p o ration (W estern M ining
D iv is io n s )
V a riou s unions
F e b ru a r y 1958

O th er b e n e fits :
A fte r $0 d a y s '
e m p loym en t

L e s s than $ 1 ,2 0 0
$ 1 ,2 0 0 to $ 1 ,8 0 0
_____
$ l f 800 to $ 2 ,4 0 0
________ ________
____
$ 2 ,4 0 0 to $ 3 , 2 0 0 _________________ _________________
$ 3 ,2 0 0 to $ 4 ,0 0 0 . .
$ 4 ,0 0 0 to $ 5 ,0 0 0
__
________
_
5 000 and o v e r
_____
_

In su ran ce
$ 1 ,0 0 0
1 ,5 0 0
2 ,0 0 0
3 ,0 0 0
4 ,0 0 0
5 ,0 0 0

tx)

Am ount o f life in su ra n ce equal to annual s tr a ig h t-tim e b a s ic w age o r s a la r y taken to next h ig h e r m u ltip le o f $ 100——m axim u m $ 2 0 ,0 0 0




167
IN S U R A N C E

PLANS

- Continued

AC CID EN T AND SICKNESS

H O SP ITA L IZA T IO N

D uration o f b e n e fits
C a ses
covered

Am ount

E x cep t
P e r io d

N on occu p a tional

$35 p e r w eek

A fte r
age—

13
w eeks
p er d is ­
a b ility

B e n e fits lim ite d
to—
—

E xten ded
coverage

B e n e fits begin

A ccid e n t

1st day

S ick n e ss

D aily
benefit
or
s e r v ic e

D uration
D ays

D aily
am ount

M axim um
r o o m and
b oa rd
a llow a n ce

8th day

E x tra a llo w a n ce P e r
o r s e r v ic e
year

Per
d is a .bility

E m ergen cy
ou t-patien t
care

E m p loy ee

Up to $9

50 days

$450

Up to $ 4 5 0 , plu s
up to $10 a m b u ­
la n ce allow a n ce
p e r tr ip and $20
p e r d is a b ility

X

Up to $450

X

Up to $350

X

Up to $300 a

X

Up to $300 *

D ependents
Up to $7

N on occu p a tion al

Annual s tra igh t*
tim e b a s ic w age
L e s s than $ 2 ,0 0 0 ----$ 2 ,0 0 0 to $ 2 ,5 0 0 ___
$ 2 ,5 0 0 to $ 3 ,0 0 0 ___
$ 3 ,0 0 0 to $ 3 ,5 0 0 ___
$ 3 ,5 0 0 to $ 4 ,0 0 0 ___
$ 4 ,0 0 0 to $ 4 ,5 0 0 ___
$ 4 ,5 0 0 and o v e r ____

W eek ly 26
b e n e fit w eeks
p er d is ­
a b ility
$20
25
30
35
40
45
50

__

__

1st day

$350

50 days

E m p lo y e e

8th day
Up to $18

365 days

—

—

$ 4 , 745

Up to $300 1

—

D ependents
Up to $ 13

120 days

A ls o payable in c o n n e c tio n with s u r g e r y p e r fo rm e d in d o c t o r 's o f fic e and in h o sp ita l when individual is not a b e d patient.
A ls o p ro v id e d f o r m is c e lla n e o u s s e r v ic e s r e n d e r e d in co n n e ctio n with e m e r g e n c y a ccid e n t c a r e in d o c t o r 's o f fi c e .




Up to $ 3 5 0 , p lu s
up to $10 am bu ­
la n ce allow a n ce
p e r tr ip and $20
p e r d is a b ility

$ 1 ,5 6 0

Up to $300 , plus
75 p e r c e n t o f
add ition al
charges 1

168
SELECTED

HEALTH

AND

SU RG ICAL

C O M PA N Y , UNION,
AND
D A T E O F INFORM ATION

V a rio u s e m p lo y e r s ,
St. L o u is , M o .,a r e a
M a c h in is ts , D is t r ic t 9

Up to schedule
allo w a n ce
a c c e p t e d a s fu ll
paym ent i f annual
in c o m e is under—

E m p loyee

O peration schedule—
s e le cte d a llo w a n ce s
C ov ers
cases
E m p lo y e e

D ependents

M axim um sch ed u le a llow a n ce H o sp ita l,
IfTTOO
:
I $200
o ffic e , hom e,
e ls e w h e r e
T o n s ille c t o m y
Up to $30
Up to $ 4 5

Up to sch ed u le
a llow a n ce
a c c e p te d a s fu ll
paym ent i f annual
in co m e i s under—

Allowance
Office

H ospi-

Up to
$4 per
v is it

M axi­
M a x i­
m um
m um
num ber num ber
v is its
days
S ick n ess A ccid en t
pa id
pa id
fo r
fo r
B en efits begin

E ls e w here

M axim um
com p en sation

$200 p e r y ea r

1st
v is it

1st
v is it

1 per
day

H o s p ita l:
$360 p e r d is a b ility

1st
day

1st
day

N onH ospital:
com pany 120 p e r
d is a b ility
o f fic e :
1 per
Com pany
day
d o c t o r 's
o ffic e :
U nlim ited
p e r d is a ­
b ility

—

January 1958
_______ A p p e n d e cto m y _____
Up to $ 150
|Up to $ 100 ”

K en n ecott C op p er C o r p o ­
ra tion (W estern M ining
D iv is io n s )
V a rio u s unions
F e b ru a r y 1958




M axim um schedule allow an ce H o s p ita l,
o ffic e , h om e,
e ls e w h e r e
T o n s ille c to m y
Up to $75
Up to $75

T60(5 ”

A p p e n d e cto m y
Up to $15 0
Up to $ 150

■ompany $3 fo r
d o c t o r ' e a ch
o ffic e :
day o f
con fin e
m ent

C om pany doctor* s
o ffic e :
F u ll c o s t
N oncom pany d octor* s
o f fic e :
U nlim ited p e r
d is a b ility

169
INSURANCE

PLANS

- Continued

M E D IC A L - Continued

M A T E R N ITY PROVISIONS

D ependents

O ffic e




H o s p i­ E l s e ­
tal
w h ere

Up to
$4 per
v is it

M axim um
co m p e n sa tio n

$200 p e r y e a r

S u rg ica l

Ho s p ita liza tio n
M a xi­
M axi­
m um
m um
O ther
num ber num ber iro v is io n s
days
A c c i ­ v is its
paid
paid
dent
fo r
fo r

B e n e fits b e g in
S ick ­
n e ss

1st
v is it

1st
v is it

A c c id e n t
and
s ick n e s s

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

1 per
day

D aily
ben efit D u ra ­
or
tion
s e r v ic e

M axim um
r o o m and
board
allo w a n ce

50
days

$450

B e n e fits a v a ila b le to
new ly in su red

E m p lo y e e and dependent;
If p regn a n cy c o m m e n c e s w hile
in s u r e d

E m p lo y e e

Up to
$9

M ed ica l

S chedule
E x tra
a llow an ce A m oun ts
a llow a n ce Lum p
and
fo r
or
sum
n orm a l lim ita tion s
s e r v ic e s
d e liv e r y

Up to $75

Up to
$ 4 5 0 , plut
up to $10
am bulance
allo w a n ce
p e r tr ip
and $20
p e r d is a ­
b ility
D ependent

$7

$3 fo r
ea ch
day o f
con ­
fin e ­
m en t

$36 0 p e r d is a b ility

1st
day

1st
day

120
per
d is a ­
b ilit y

E m p lo y e e
on ly:
D ru gs and
m e d ic in e s ,
p r e s c r ib e d
by c o m ­
pany d o c ­
to r f u r ­
n ish ed
w ithout
cost, if
tre a te d in
o ffic e

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

50
days

$350

Up to
$ 3 5 0 , plus
up to $ n r
am bulance
a llow an ce
p e r tr ip
and $20
p e r d is a ­
b ility

_

Up to $50

E m p lo y e e and dependent

_

_

__

Up to Up to
$100 $100

E m p lo y e e and dependent:
H osp ita liza tion and s u r g i c a la fte r 9 m onths
E m p lo y e e :
A c c id e n t and s ic k n e s s — i f p r e g ­
n an cy c o m m e n c e s w hile in s u re d

170
SELECTED

C O M PA N Y , UNION.
AN D
D A T E O F INFORM ATIO N

Types and amounts
Life insurance

M a c h in is ts , D is t r ic t 9

D ia g n o stic X - r a y and la b o r a t o r y exam in ation
a llow an ce f o r n o n h o sp ita lize d c a s e s — up to $50 fo r
any 1 in ju ry o r f o r all s ic k n e s s e s during any 12 c o n ­
s e c u tiv e m onths

Jan uary 1958

K en n ecott C op p er
C o r p o r a tio n (W e ste rn
M ining D iv is io n s )
V a riou s unions
F e b ru a r y 1958

Dependents of rbtired employee

Retired employee

E m p lo y e e on ly

E m p lo y e e on ly
L a b o r a to ry and X - r a y exam in ation a llow an ce f o r
n o n h o sp ita lize d c a s e s — up to $75 p e r y e a r
Sup plem ental a c c id e n t e x p e n se a llow an ce (fo r
e x p e n s e s in e x c e s s o f those c o v e r e d by o th e r plan
b e n e fits in c u r r e d w ithin 90 days a fte r accid e n t)—
up to $300
M a jo r m e d ic a l expen se allo w a n ce ----90 p e r c e n t o f
m e d ic a l e x p e n s e s up to m axim u m o f $ 5 ,0 0 0 after
dedu cting the total am ount r e c e iv e d under the oth er
plan b e n e fits o r $ 3 0 0 , w h ich e v e r is g r e a te r

AND

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

O TH ER B E N E F IT S 1

V a riou s e m p lo y e r s ,
S t. L o u is , M o ., a r e a

HEALTH

(a)

$ 1 ,0 0 0 o r 30
p e r c e n t o f am ount
in e ffe c t im m e d i­
ately p r io r to
r e tir e m e n t,
w h ic h e v e r is
g r e a te r

Accidental
death and
di smem oerm ent

Hospitalisation

Surgical

(a)

(a)

(a)

Medical

(*)

R o o m and b o a r d
Maximum
schedule
a llo w a n c e , up to
$ 13 per day f o r 60 allowance
e a ch day
days p e r d is a b ility ;
—
allo w a n ce f o r e x tra
o f c o n fin e T onsillec­ ment;
s e r v i c e s , up to
tomy
$220
maximum—

rm

Up to
(3 )

$45

Appendectomy
Up to
$150

Life
insurance

Hospitali­
sation

Surgical

Medical

—

(a)

(a)

(a)

Same as
Same as Same as
fo r retired fo r r e ­
for retired
em ployee
tired em ­ employee
ployee

$360 per
disability
(S)

( S)

1 Such b en e fits as X - r a y , an esth esia,an d e le c t r o c a r d io g r a m a llo w a n ce s m ay be p ro v id e d under som e p la n s , although not listed h e r e . Reasons fo r not listing such benefits are set forth in
E X P L A N A T O R Y N O T ES.
6
*
3 An em p lo y e e r e t ir e d o r te rm in a te d m ay c a r r y h is in s u r a n c e , without a c c id e n t and s ick n e s s b e n e fit, f o r 1 yea r, i f he rem ains unemployed.
E m p loy e e r e tir in g on d is a b ility p e n sio n and his dependents contin ue to be c o v e r e d by r e g u la r h o s p ita liz a tio n , surgical, and m edical benefits fo r 24 months o r until age 65, whichever o ccu rs fir s t,
p rov id ed he con tin u es to co n trib u te tow a rd c o s t o f tnese b e n e fits . T h e r e a ft e r , they r e c e iv e b e n e fits s p e c ifie d a b o v e . Total amount o f hospital, surgical,and m edical benefits during retirem ent
lim ite d to $ 1 ,0 0 0 .
®




171
IN S U R A N C E

PLANS

- Continued

FINANCING
Benefits for
employee

Benefits for em ployee's
dependents

Benefits for retired
employee

Benefits for dependents
of retired employee

Am ount o f con tribu tion
B e n e fits f o r em p lo ye e and dependents

Company
Jointly
only

Company
Employee Company
Employee Com pany
E m p lo ye e
Jointly
Jointly
Join tly
only
only
only
only
only
only

(X)

Com pany

E m p lo ye e

F u ll c o s t — $ 9 .1 0
p e r m onth

(l )

x

X

( a)

(a)

fo r —
B e n e fits f o r r e t ir e d e m p loy ee
_________ and dependents__________
E m p loy ee

C om pany

H

B a lan ce o f c o s t
L ife and a ccid e n ta l death and d is m em be.rm ent in su ra n ce :
M onthly con trib u tion
A ccid e n ta l
death and
d is m e m L ife
Annual
in s u r - b e rm e n t
s tr a ig h t-tim e
ben efit
ance
b a s ic w age
L e s s than $1,200__
$1,200 to $1,800__
$1,800 to $2,400
$2,400 to $3,200
$3,200 to $4,000 _ _
$4,000 to $5,000 _ _
$5,000 and o v e r __

$ 0 . 60
.9 0
1.2 0
1.80
2 .4 0
3 .0 0

(3)

$ 0 .0 5
.0 7
. 10
. 15
.2 0
.2 5
.2 5

W eekly a c c id e n t and s ick n e s s
b e n e fit;
Annual
s tr a ig h t-tim e
M onthly
b a s ic w age
con tribu tion
L e s s than $ 2 ,0 0 0 __ ___
$ 2 ,0 0 0 to $ 2 ,5 0 0 _____
$ 2 ,5 0 0 to $ 3 ,0 0 0 - ____
$ 3 ,0 0 0 to $ 3 ,5 0 0 _____
$ 3 ,5 0 0 to $ 4 ,0 0 0 _____
$ 4 ,0 0 0 to $ 4 ,5 0 0 _____
$ 4 , 500 and o v e r _______

$ 0 .7 0
.8 7
1 .0 5
1.22
1.4 0
1 .5 8
1 .7 5

O ther b e n e fits :
B en efits fo r e m p lo y e e o n ly , $ 2 .7 5
per m onth; f o r em p lo y e e and
de pend ents, $ 5 .2 5
# An employee retired or terminated may carry his insurance, without a c c id e n t and s ick n e s s b e n e fit, fo r 1 y e a r , if he re m a in s u n em p loyed , p ro v id e d he pays fu ll c o s t o f these b en efits, $7.59 p er m onth.
Employee retiring on disability pension and h is dependents continue to be covered by h o s p ita liz a tio n , s u r g ica l,a n d m e d ic a l b e n e fits f o r 24 m onths o r until age 65, w h ich ev er o c c u r s f ir s t , p rov id ed
he continues to contribute toward fie cost of these benefits; thereafter, com p an y pays full c o s t of b e n e fit.
* Additional $ 0 . 60 for each $ 1 ,0 0 0 of life insurance in excess of $ 5 ,0 0 0 .




172
SELECTED

ELIG IB IL IT Y
REQU IREM EN TS
C O M PA N Y , UNION,
AND
D A T E O F INFORM ATION

Am ount

If p e rm a n e n tly and to ta lly d is a b le d
Am ount

Im m e d ia te ly o r
1st o f fo llo w in g
m onth

$ 1 ,0 0 0 1

C ases
covered

In su ran ce is —

B e fo r e
age—

i.(

P a id in—

M aintained
B itum inous c o a l in d u stry ,
v a r io u s e m p lo y e r s

AND

A C C ID E N T A L D EATH AND D ISM EM BERM EN T

L IF E INSURANCE

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

HEALTH

G raduated
a c c o r d in g to—

M ulti­
Single
D eath d is m e m ­ d is m e m ­
b erm en t b erm en t

X

At any
age

U nited M ine W o rk e rs
Jan uary 1958

!

P an A m e r ic a n P e tr o le u m
C o r p o r a tio n 2

A ft e r 6 m o n th s'
em p lo ym e n t

60

$ 1 ,0 0 0 3

25 p e r c e n t

In stallm en ts—
75 p e r c e n t

V a riou s unions
January 1958

C on stru ction in d u s try ,
A s s o c ia t e d G en e ra l
C o n tr a c to r s o f A m e r ic a ,
and oth er e m p lo y e r s
(N orth ern C a lifo rn ia )
C a rp en ters
F e b ru a r y 1958

C on stru ction in d u s try ,
v a r io u s e m p lo y e r s
(W estern P en n sylva n ia )
V a riou s unions

1st o f M a r c h ,
June, S e p te m b e r ,
$ 2 ,5 0 0
o r D e ce m b e r
im m e d ia te ly f o l - '
lo w in g F u nd1s
sem iannual w o rk
$50 0
p e r io d in w hich
e m p lo y e e had at
le a s t 400 h o u r s '
c o v e r e d e m p lo y ­
A ttained age
m ent
14 days to 6 m onths _
6 m onths to 19 y e a r s —

$ 2 ,0 0 0
U pon co m p le tio n
o f 4 m o n th s ' c o n ­
tribu tion s b y
e m p lo y e r , c o v e r ­
ing m in im u m o f
200 h o u r s ' w ork

E m p lo ye e
60

X

—

Spouse
|

—

|

—

|

N o n o c cu p ational;
occu pation al

$ 2 ,5 0 0 $ 1 ,2 5 0

$ 2 ,5 0 0

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

$ 2 ,0 0 0

—

C h ildren

__

_____

Insu ran ce
$ 100
250

60

X

N o n o c cu pa tion al

January 1958

o f $3 50. F u n era l e x Pen8e o f * 350 im m e d ia te ly on death, additional $650 in 11 equal m onthly paym ents o f $50 and a 12th fin a l paym ent o f $100; i f no s u rvivin g d epen den ts, b e n e fit-lim ite d to fu n e r a l exp en se

3 ^ ° r m e r ly

Stanolind O il and G as C om pany.
A d ditional in s u ra n ce p ro v id e d on a c o n trib u to ry b a s is .




T73
INSURANCE

PLANS

- Continued

AC CID EN T AND SICKNESS

H O SPITALIZATIO N

i D uration o f b e n e fits
Cases
covered

D aily
benefit

Except
After
age—

Extended
coverage

B e n e fits begin

D ays

B e n e fits lim ite d

M axim um
ro o m and
b oa rd
a llow an ce

D aily
am ount

E x tra a llow an ce
o r s e r v ic e

Per
y ea r

Per
d is a ­
b ility

E m e rg e n cy
ou t-patien t
care

E m p loy ee and dependents 1

r

T

C o m p le te paym ent f o r h o sp ita l c a r e fo r w h atever p e r io d c a r e is r e q u ir e d

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

E m p loy ee and dependents
<a)

(2)

(2)

( 2)

( 2)

( 2)

( 2)

Up to $10

$ 1 ,5 0 0

150 days

X

Up to $ 2 0 0 , plus
75 p e r c e n t o f
n ext $ 2 ,4 0 0 o f
ch arges

E m p lo y e e and dependents
<3)

(3 )

N onoccupational

$35 per week

(3 )

26
weeks
per dis­
ability

(3)

(3)

(3)

1st day

(3)

W ard
accom m o­
dations

F u ll c o s t o f
s p e c ifie d
s e r v ic e s

70 days

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

X

Up to $180 4

E m p loy ee and dependents

8th day
70 days

—

—

Widow and dependent children eligible for benefits during 12-month period that widows* and survivor's benefits are received.
No accident and sickness insurance, benefit provided by plan; employees covered by paid sick-leave plan.
No accident and sickness insurance benefit provided by plan; employees covered by the California State temporary disability law.
Also provided for X -r a y charges incurred in doctor1s office because of accident.




X

$840

Up to $ 1 8 0 , plus
up to $24 am bu ­
la n ce allow a n ce

See A p pendix A .

—

174
SELECTED

C O M PA N Y , UNION,
AND
D A T E OF INFORM ATIO N

B itum inous c o a l in d u stry,
v a r io u s e m p lo y e r s

Up to schedule
a llow a n ce
a c c e p te d a s fu ll
paym ent if annual
in c o m e i s under—

C ov ers
cases
D ependents

C om p lete paym ent p r o v id e d 1

U nited M ine W o rk e rs

AND

Employee

O peration sch edu le—
s e le c t e d a llo w a n ce s

E m p lo y e e

HEALTH

H o sp ita l,
o u t-p a tie n t
c lin ic s , and
s p e c ia lis t 1 s
o ffic e

Up to sch edu le
a llo w a n ce
a c c e p te d a s full
paym ent i f annual
in c o m e i s under—

Home

Office

Hospi­
tal

" M a S - " nras3=r=mum
mum
number number
visits
days
Sickness Accident
paid
paid
for
for
Benefits begin

Allowance
E lse ­
where

Maximum
compensation

C o m p le te p aym ent f o r m e d ica l c a r e in the h o sp ita l and in ou t-p a tien t c li n i c s ; a ls o p r o v id e s f o r d ia g n o s is and
treatm en t b y s p e c ia lis t in and out o f h o sp ita l

Jan uary 1958

P an A m e r ic a n P e tr o le u m
C o r p o r a tio n 2
V a riou s unions

M axim um sch ed u le allo w a n ce H o sp ita l,
$225
o ffic e , h om e,
$22 5
e ls e w h e r e
T o n s ille c t o m y
Up to $ 3 7 . 50
Up to $ 3 7 .5 0

$3 f o r
e a ch
day o f
c o n fin e ­
m ent

$225 per disability

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

H om e and o f f i c e :
$300 per year

1st day

1st day

75 per
disa­
bility

January 1958
A p p e n d e cto m y
Up to $150
Up to $150

C on stru ction in d u s try ,
A s s o c ia t e d G en e ra l
C o n tr a c to r s o f A m e r ic a ,
and oth er e m p lo y e r s
(N orth ern C a lifo rn ia )

M axim u m sch e d u le a llow an ce Ho s p ita l,
$300
$300
o ffic e , hom e,
e ls e w h e r e
T o n s ille c t o m y
Up to $50
Up to $50

C a rp en ters

A p pen dectom y
Up to $150
Up to $150

Up to
$5

Up to
$4

1 per
day

Hospital:
$280 per disability

F e b ru a r y 1958

C on stru ction in d u stry,
v a r io u s e m p lo y e r s
(W estern P en nsylva nia )

M axim um
sch edu le
a llow a n ce
■$200

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

V a riou s unions
January 1958

T o n s ille c t o m y
Up to $30
Appende c tom y
Up to $100

*

W idow and dependent c h ild r e n e lig ib le f o r b e n e fits during 12-m onth p e r io d that w idow s and s u r v i v o r s ' b e n e fits a r e r e c e iv e d .
F o r m e r ly Stanolind O il and G as C om pa ny.
3 If s u r g ic a l o p e ra tio n p e r fo r m e d , m axim u m a llow an ce is g r e a te r o f (a) $3 f o r e a ch day o f h o sp ita l co n fin e m e n t up to day o f o p e ra tion ; o r (b) $3 f o r e a c h day o f con fin em en t m inus s u r g ic a l
op e r a tio n a llo w a n ce .




Hospital:
70 per
d is a ­
b ility

T75
IN S U R A N C E

PLANS

- Continued

M ED ICAL - Continued

M A T E R N ITY PROVISIONS

D ependents
A llow a n ce
H om e O ffic e

H o sp i­ E l s e ­
tal
w here

M axim um
com p en sa tion

C om plete p aym ent f o r m e d ic a l c a r e in the h o sp ita l and in o u t-p atien t c lin ic s ;
a ls o p r o v id e s f o r d ia g n o sis and treatm en t b y s p e c ia lis t in and out o f h o s p it a l1

$3 fo r
ea ch
day o f
con ­
fin e ­
m en t*

$225 p e r d is a b ility

S u rgica l

H o sp ita liza tio n
M a xi­
M a xi­
B e n e fits begin
O ther
m um
m um
num ber num ber p r o v is io n s
S ick ­ A c c i ­ v isits
days
ness
paid
dent
paid
fo r
fo r

1st
day

1st
day

A c c id e n t

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

M axim um
r o o m and
board
a llow an ce

M ed ica l

S chedule
E xtra
allow a n ce A m oun ts
allo w a n ce Lurr.p
and
fo r
or
sum
n o rm a l lim ita tion s
s e r v ic e s
d e liv e r y
Dependent

E m p lo ye e
and d e ­
pendents ;
P r o v id e s
s p e c ifie d
exp e n sive
drugs
re q u irin g
lon g and
con tin u ed
u se out o f
h o s p it a l1

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

D ependent:
Im m ed ia tely

C om plete paym ent f o r h osp ital and in -h o s p ita l s u r g ic a l and
m e d ica l c a r e ; a ls o in clu d e s c a r e in o u t-p a tien t c lin ic s and
s e r v ic e s o f s p e c ia lis t , when r e q u ire d

E m p lo y e e and dependent:
If p reg n a n cy c o m m e n c e s w hile
in su red

E m p lo y ee

75 p e r
d is a ­
b ilit y

B en efits av a ila b le to
new ly in su red

(3 )

10
days

$8

$80

Up to $ 80

Up to $50

—

Up to Up to $ 50
$50

—

—

D ependent

—

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

$280 p e r d is a b ility

1st
day

1st
day

—

70 per
d is a b ility

—

—

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

E m p lo y e e and dependent

—

—

—

—

Up to
$100

—

—

(4)

R e g u la r
ben e fits
for 6
w eeks

E m p lo y e e and dependent:
If p reg n a n cy c o m m e n c e s w hile
in s u r e d

E m p lo y ee

—

—

—

—

$100

Up to $50

—

( 5)
D ependent
$100 m a te rn ity a llow a n ce

1 W idow and dependent c h ild r e n e lig ib le f o r ben e fits during 12-m on th p e r io d that w idow s and s u r v iv o r s ' b e n e fits a re r e c e iv e d .
.
* If s u r g ica l o p e ra tio n p e r fo r m e d , m axim um allow an ce is g r e a te r o f (a) $3 f o r ea ch day o f h osp ital con fin em en t up to day o f o p e ra tion ; o r (b) $3 fo r each day o f con fin em en t m inus s u r g ic a l
o p e ra tio n allow a n ce .
3 No a ccid e n t and s ick n e s s in su ran ce b e n e fit p ro v id e d b y plan; e m p lo y e e s c o v e r e d by paid s ic k -le a v e plan.
4 If h osp ital b en efits are le s s than $ 1 0 0 , the d iffe r e n c e m ay be app lied to o th e r e x p e n s e s in c u r re d ; i . e . , p h ysicia n c h a r g e s .




176
• n « e m M fit n a« d
EXTENSIO N O F B E N E FITS TO —
(m u st be at le a s t on group rate b a s is )

O TH ER BE N EFITS 1
C O M P A N Y , UNION,
AN D
D A T E OF INFORM ATIO N
T y p e 8 and am ounts
L ife in su ran ce

B itum inous c o a l in d u s try , R eh a b ilita tion b e n e fit— s p e c ia l reh a b ilita tio n d e v ic e s Sam e as fo r activ e
v a r io u s e m p lo y e r s
and c a r e f o r s e v e r e ly han dicapped and c r ip p le d
e m p lo y e e
m in e r s and dependents at s p e c ia l m e d ica l c e n te r s ;
when r e q u ir e d , m e d ica l c a r e fo llo w -u p o f d i s ­
U nited M ine W o rk e rs
ch a r g e d patients is p r o v id e d
January 1958

D ependents o f r e t ir e d e m p loy ee

R e tir e d e m p lo y e e
A c c id e n ta l
death and
d ism e m b e rm e n t

H o sp ita liz a tio n

S u rg ica l

M ed ica l

Sam e as f o r a c tiv e
e m p lo y e e

Sam e as Sam e as
f o r a c tiv e f o r a c tiv e
e m p loy ee em p loy ee

Same as f o r activ e
e m p lo y e e but lim it ­
ed during r e t i r e ­
m ent to $ 1 , 500 f o r
r o o m and b o a r d and
$ 2 ,0 0 0 f o r e x tr a
s e r v ic e s

Same as
fo r a ctiv e
em p loyee
but lim it ­
ed during
r e t ir e ­
m ent to
$225

L ife
in su ra n ce

H osp ita li­
sation

S u r g ic a l

M e d ica l

Sam e as
Sam e as Sam e as
f o r r e t ir e d
fo r r e t ir e d f o r r e ­
tir e d
em p loy ee
e m p lo y e e
em p loy ee

D is a s te r b e n e fit— s m a ll am ounts p ro v id e d w idow s
and orp h a n s, w ives and c h ild r e n o f m in e rs k ille d o r
s e r io u s ly in ju re d in m in e s to r e lie v e im m ed iate
acute fin a n cia l d is t r e s s

Pstn A m e r ic a n P e tr o le u m
C o r p o r a tio n 2

$ 1 ,0 0 0 3

E m p lo y e e and dependents
G e n e r a l a n e sth e sia f o r n o n h o sp ita lize d c a s e s — up
to $10

V a riou s unions
January 1958

M a jo r m e d ica l e x p e n s e a llow a n ce— -80 p e r c e n t o f
e xp en ses in e x c e s s o f o th e r plan b e n e fits during each
m e d ic a l e xp en se p e r io d , w hich is in e x c e s s o f $15 0;
m axim um — $ 10 ,0 0 0

Sam e as
f o r activ e
em p loy ee
but lim ite d
during r e ­
tirem en t
to $225

Sam e as
Sam e as
Same as
fo r r e t ir e d
tor r e t ir e d
re­
er'.fr' oyee
tir e d
em p loyee
em p loy ee

**-

C on stru ction in d u s tr y ,
E m p lo y e e and dependents
A s s o c ia t e d G en e ra l
C o n tr a c to r s o f A m e r ic a ,
and o th e r e m p lo y e r s
D ia g n o stic X - r a y and la b o r a t o r y exam ination
(N orth ern C a lifo rn ia )
allo w a n ce (fo r c a s e s in o r out o f h o sp ita l)— up to
$50 f o r e a c h a c c id e n t o r all s ic k n e s s e s during any
12 co n s e c u tiv e m o n th s.
C a rp en ters
X - r a y and ra d iu m th erap y treatm en t allow an ce—
F e b ru a r y 1^958
s p e c ifie d allo w a n ce p e r co n d itio n ; m axim u m — $300
per year
A d dition al a c c id e n t e x p e n se a llow an ce (fo r e x p e n se s
in e x c e s s o f th ose c o v e r e d b y o th e r plan b e n e fits in ­
c u r r e d with 90 days a fte r a ccid e n t)— u p to $300
C on stru ction in d u s try ,
v a r io u s e m p lo y e r s
(W e ste rn P en n sylva n ia )

E m p lo y e e on ly
Id e n tifica tio n a llo w a n ce (fo r e x p e n s e s in v o lv e d in
p la cin g d is a b le d e m p lo y e e under c a r e o f r e la tiv e s
o r frie n d s )— up to $100

V a rio u s unions
Jan uary 1958

1 Such b en e fits as X - r a y , an esth esia ,a n d e le c t r o c a r d io g r a m allo w a n ce s m a y be p ro v id e d under s o m e p la n s, although not lis t e d h e r e .
A M A TA O V

KTATP C

0

R e a s o n s f o r not lis tin g such b en efits a re s e t fo rth in

2 F o r m e r ly S tanolind O il and G as C om p a n y.
If em p lo y e e is a ls o c o v e r e d by the add ition al c o n tr ib u to r y in s u r a n c e , total amount re d u c e d 50 p e r c e n t im m e d ia te ly and 5 p e r c e n t annually th e r e a fte r to m inim um o f 25 p e r c e n t o f am ount in e ffe c t
p r io r to r e tir e m e n t o r $ 2 ,0 0 0 , w h ich e v e r is g r e a t e r . If r e t ir in g p r io r to age 65, ow ing to d is a b ility , fu ll am ount m aintain ed until age 65, then red u c e d a c c o r d in g ly .




IN S U R A N C E

PLANS

- Continued

FINANCING
B en efits fo r
em p loyee

B e n e fits fo r e m p lo y e e 's
dependents

B e n e fits f o r r e t ir e d
em p lo ye e

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

A m oun t o f con trib u tion
B e n e fits f o r e m p lo y e e and dependents

only

Join tly

X

_

only

Jointly

only

X

X

_

C om pany
Jointly
on ly

only

X

X

_

_

only

Jointly

E m p loyee
only

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
and dependents
E m p loy ee

X

_

H o s p ita liz a tio n , s u r g ic a l, and
b a s ic m e d ic a l b e n e fits :
B e n e fits f o r e m p lo y e e o n ly , $ 1 .8 0
p e r m onth; f o r e m p lo y e e and
d ep en d en ts, $ 5. 95
M a jo r m e d ic a l e x p e n se b en efit:
F u ll c o s t — E m p lo y e e o n ly , $ 0 .9 1
per m onth; e m p lo y e e and depend*
e n ts, $ 2 .3 2

L ife in s u ra n ce :
F u ll c o s t 3
H o s p ita liz a tio n ,
s u r g ic a l and b a s ic
m e d ic a l:
B a la n ce o f c o s t

X

X

F u ll c o s t — $ 0 .1 0
f o r e a c h h ou r
w ork ed

X

X

F u ll c o s t — $ 0 ,0 7 5
p e r h ou r w ork ed

C om pa n y

F u ll c o s t 1

F u ll c o s t 1

X

X

C om pany

fo r—

Sam e as a ctiv e
em p lo y e e

L ife in su ra n ce:
F u ll c o s t
O th er b e n e fits :
B a la n ce o f c o s t

1 E m p lo y e r s co n trib u te $ 0 ,4 0 p a r ton o f c o a l p r o d u c e d f o r u se o r sa le to the U nited M ine W o r k e r s ' W e lfa r e and R e tir e m e n t Fund f o r h ealth , w e lfa r e , and p en sion b e n e fits . In add ition , the fund has
au th orized loans to M e m o ria l H osp ita l A s s o c ia t io n s in K entucky, W est V ir g in ia , and V ir g in ia f o r the c o n s tr u c tio n and o p e r a tio n o f h o s p ita ls throughout the c o a l m in in g a r e a s o f th ese S tates.
E m p loy ee c o v e r e d b y add itional life in s u ra n ce co n trib u te s to w a rd c o s t .




178
SELECTED
ELIGIBILITY
REQUIREMENTS
COM PANY, UNION,
AND
DATE O F INFORMATION

P a in t e r s , D is t r ic t
C ou n cil 9
F e b ru a r y 1958

Amount

If permanently and totally disabled
Am ount
B e fo r e
age—

Insurance is—
Maintained

A s s o c ia t io n o f M a s te r
P a in te r s and D e c o r a t o r s
o f fiie C ity o f New Y o r k ,
In c.

AND

ACCIDENTAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

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

HEALTH

Cases
covered

Graduated
according to—

Paid in—

Multi­
Single
Death dism em ­ dism em ­
berment berment

H o n o r a r y L i f e , H o n o r a r y , B e n e fic ia l, P a r t ia l B e n e fic ia l, and N o n b e n e ficia l m e m b e r s le a s than age 60 when b e c o m in g a union m em bjer
R e g u la r b e n e fits :1
1st o f1m onth in
w h ich fo llo w in g
$ 1 ,0 0 0 $500
N on occu 60
X
re q u ir e m e n ts a r e $ 1 ,0 0 0 1
pation al;
m e t: 6 m o n th s '
occupa­
union m e m b e r ­
“
tion al
sh ip; ea rn e d at
le a s t $ 1 ,2 0 0 fr o m
co n trib u tin g e m ­
A p p r e n tic e s
p lo y e r s during
p r e c e d in g 12
m on th s; and at
$500
$250
N o n o c cu 60
$500 1
X
le a s t 1 d a y 1 s
—
p ation al;
c o v e r e d e m p lo y ­
occu pa­
m en t during p r e ­
tion a l
ced in g 5 m onths

$ 1 ,0 0 0

$500

N o n b e n e ficia l m e m b e r s age 60 o r o v e r when b e c o m in g union m e m b e r

$100 1

R a ilr o a d in d u s tr y ,
v a rio u s e m p lo y e r s *

N o n o c cu pational;
occu pa­
tion al

$100

$50

$100

1st o f m onth f o l ­
low in g 60 days o f
contin uous s e r v ic e

V a rio u s non op era tin g
r a ilw a y unions
F e b ru a r y 1958

•

P r i o r to q u a lify in g f o r r e g u la r b e n e fits , e m p lo y e e b e c o m e s e lig ib le f o r $10 0 life in su ra n ce on f ir s t o f m onth fo llo w in g m onth in w hich he had 1 d a y 's c o v e r e d em p lo y m e n t.




179
IN S U R A N C E

PLANS

- Continued

AC CID EN T AND SICKNESS

H O SPITALIZATIO N

D uration o f b e n e fits
C ases
cov ered

N on occu p a tion al

D aily
benefit

E x cep t
A fte r
age—
$10 p e r w eek

H

(l )

13
w eeks
per d is ­
a b ility

60
n

D ays

B e n e fits lim ited

13 w eek s during
any 12 c o n s e c u ­
tiv e m onths

1st day
(l )

M axim um
r o o m and
b oa rd
a llow an ce

D aily
am ount

E x tra a llow an ce
o r s e r v ic e

Per
y ea r

P er
d is a ­
b ility

E m ergen cy
out-patien t
care

E m p loy ee and dependents

8th day
(M

S e m ip rivate
ro o m

n

n

Extended
coverage

B e n e fits begin

21 days

F u ll c o s t o f
s p e c ifie d
s e r v ic e s fo r 1st
21 d ays; 50 p e r ­
cen t o f c o s t fo r
additional 180
days

50 p e r c e n t
of cost of
sem i p riv a te
room

Up to $ 7 .2 5

E m p loy ee
(*)

(*)

(2 )

(2)

( 2)

( 2)

( 2)

S e m ip riv a te
ro o m

120 days

__

__

__

Up to $ 50 0, plus
75 p ercen t o f
additional
c h a r g e s , plus
up to $25 am bu­
lan ce allow ance

__

X

Up to $ 5 0 0 , plus
75 p e r c e n t o f a d d i tion al c h a r g e s , plus
up to $25 am bulance
a llow an ce

De pendents
S e m i­
private
ro o m

Up to $200

120 days

(3 )

* N ot ava ila b le to a p p re n tic e s .
»

t o c l ^ « ^ b “ l n c e ki ! o w M « ' o £ 0™ to f z s ! ’ 7 ^




' m pl° y e M COVered bX R a ilr o a d U nem ploym ent In .u r a n c e A c t .

S ee A ppendix A .

Up to $200
(3)

180
SELECTED

HEALTH

AND

SU RG ICAL

CO M PA N Y , UNION,
AND
D A T E O F INFORM ATION

A s s o c ia t io n o f M a s te r
P a in te r s and D e c o r a to r s
o f the C ity o f New Y o r k ,
In c.
P a in t e r s , D is t r ic t
C ou n cil 9
F e b ru a r y 1958

Up to sch edu le
allo w a n ce
a c c e p t e d a s fu ll
paym ent i f annual
in c o m e i s under—

__

O peration schedule—
s e le c t e d a llo w a n ce s

E m p loyee
C ov ers
cases

E m p lo y e e

O ptional plan A

D ependents

M axim um
sch edu le
allow an ce
$250

P r o v id e d by
the H ealth
Insurance P lan
o f G re a te r
T o n s ille c to m y
New Y o r k 1
Up to $ 3 7 .5 0

Up to sch edu le
a llow a n ce
a c c e p te d a s fu ll
paym ent i f annual
in co m e i s under—

H om e

O ffic e

H o s p i­
tal

M a xi­
M axi­
m um
m um
num ber num ber
v is it s
days
S ick n ess A ccid en t
p aid
pa id
fo r
fo r
B en efits b eg in

A llo w a n ce
E ls e ­
w h ere

M axim um
com p en sa tion

O ptional plan A
D epen den ts;
H o sp ita l,
--------------------------- !1
------------ 1------------ 1------------11------------ 1 '
1
1------------ 1------------ 1
o ffic e , hom e,
P r o v id e d bj the H ea 1th Insure m ce P lan o f G re a te r Nesw Y o r k 1
e ls e w h e r e

r

A p pen dectom y
O ptional plan B Up to $125

O ptional plan B

■'— -------------------r------------ 1------------ r .. — ' i------------- r "■*------------------ ---1" i--------------- 1------------ 1----------- 1----------P r o v id e d by
G rou p H ealth
In su ra n ce , Inc.2

R a ilr o a d in d u stry , v a r io u s
e m p lo y e r s *
V a riou s n on op era ting
r a ilw a y unions
F e b ru a r y 1958

1 See A ppendix B .
2 See A p pendix C .




M axim um sch ed u le allow an ce H osp ital,
"$300
$250
o ffic e , h om e,
e ls e w h e r e
T o n s ille c to m y
Up to $45
Up to $ 3 7 .5 0
A p p e n d e cto m y
il5 0
Up
Up to $15
Up to
to $125

P r o v id e d b y G rou p H ealth In su ra n ce, In c.

Up to
$5 per
vi s it

Up to
$ 4 per
v is it

Up tc
$ 4 per
day

H om e and o f f i c e :
$£>00 pier y e a r
H osp ita l;
$480 per d isa b ility

H om e and o ffic e : H om e
Hos pital:
4th v is it l 2d v is it and
L20 per
d is a ­
o ffic e :
H osp ita l;
1 p er
b ility
1st day 1st day day, 12C
per year

181
INSUR ANCE

P L A N S • Continued

M A T E R N ITY PROVISIONS

M ED ICAL - Continued
D ependents

H o s p i­ E l s e ­
tal
w h ere

M axim um
com p e n sa tio n

S u rg ica l

H osp ita liza tion
M a x iM a xiB e n e fits begin
m um
m um
O ther
num ber number|]p r o v is io n s
S ick ­ A c c i ­ v is its
days
n ess
paid
paid
dent
fo r
fo r

A c c id e n t
and
s ick n e s s

R e g u la r
b e n e fits
f o r 13
w eeks

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

M axim um
r o o m and
board
a llow an ce

M ed ica l

Schedule
E x tra
allow a n ce A m ounts
a llo w a n ce Luxr.p
and
fo r
sum
or
n orm a l lim itation s
s e r v ic e s
d eliv e ry
E m p loyee

—

—

—

—

Up to
$80

O ptional plan A
P r o v id e d by the
Health In surance
Plan o f G re a te r
New Y o r k 1

B en efits ava ila b le to
new ly in su red

E m p lo y e e :
A c c id e n t and s ick n e s s — if p r e g ­
nan cy c o m m e n c e s w hile in s u re d
O ther b en efits— im m ed ia tely
D ependent:
Im m ed ia tely

O ptional plan B
P r o v id e d by G roup
Health Insurance^
I n c .2

D ependent
Up to
$80

Up to
$3 p e r
day

$360 p e r d is a b ility 1st
day

1st
day

120 pei
d is a ­
b ility

Up to
$ 6 2 .5 0

E m p lo y e e and-dependent:
If pregn an cy c o m m e n ce s w hile
in su red

E m p lo yee

(3)
S e m i- 10
private days
room

Up to
$90

Up to
$ 5 0 0 , plus
75 percent
o f add i­
tion al
ch arges,
plus up to
$25 a m ­
bulance
ch a rg e
D ependent
Up to
$75

S ee A p pendix B .
See A ppendix C .
No a c c id e n t and s ic k n e s s b e n e fit p ro v id e d b y plan; e m p lo y e e s c o v e r e d by R a ilr o a d U nem ploym ent In surance A c t .




See A ppendix A .

Up to
$75

182
SELECTED

COMPANY, UNION,
AND
DATE OF INFORMATION

Dependents o f retired em ployee

R etired em ployee
Types and amount e
L ife insurance

Painters, D istrict
Council 9

Accidental
death and
di smembe r ment

H ospitalisation

Surgical

M edical

Life
insurance

H ospitali­
sation

Surgical

M edical

Employee only
Optional plan A
Provided by the Health Insurance Plan o f Greater
New York *

February 1958
Optional plan B
Provided by Group Health Insurance, I n c .3

R ailroad industry,
various em ployers *
Various nonoperating
railway unions

Employee and dependents.
P olio allowance (in lieu o f all other plan benefits,
fo r expenses incurred within 3 years after disability
com m ences)— up to $5,000

February 1958
Anesthesia allowance (for ca se s in or out o f hospital
ii administered by professional anesthetist o r doctor
other than operating d octor)r—up to $25 per p ro ce ­
dure o r one-fifth the amount o f the surgical p ro ce ­
dure allow ance, whichever is less
Employee only
Diagnostic X -r a y or laboratory examination allow­
ance fo r nonhospitalized cases-—up to $50 during
any 6 consecutive months
M ajor m edical expense allowance— 75 percent o f
expenses incurred during any calendar year which
is in excess of "deductible;"* maximum— $5,000
per person during lifetim e

> Such b en efit. a . X -r a y , anc.th e.ia,and electroca rd iogram allow ance, may be provided under .o m e p la n ., although not li.t e d h e re . R . « o n . fo r not li.tin g .u ch b en efit, are . . t fo rm in
EXPLANATORY NOTES.
a See Appendix B.

* " 'f L u c t t b l ^ m i a n . total paym ent, collected under all b a .ic plan b e n e fit, during calendar yea r, jd u . 25 percent of extra ho.pital ch a rg e , in e x c . . .
confinement, plus additional $100 o f charges per year.




AND

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

OTHER BENEFITS1

A ssociation of M aster
Painters and D ecora tors of the City of
New Y ork, Inc.

H EALTH

o f $ 500 incurred during fir s t 120 days o f

183
IN S U R A N C E

PLANS

- Continued

FINANCING
Benefits for
employee

Benefits for em p loyee's
dependents

Benefits fo r retired
employee

Benefits for dependents
o f retired employee

Amount of contribution for—
Benefits for employee and dependents

Company
Jointly
only

X

X




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

X

X

Employee

Company
Full costr—4 percent
o f weekly payroll

Full cost

Benefits fo r retired em ployee
and dependents
Employee

Company

184
SELECTED
ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

Twin City Rapid Transit
Company (Minneapolis,
Minn.)

If permanently and totally disabled

A fter 6 months
employment

Amount
B efore
age—

S ervice
L ess than 5 years
5 to 10 y e a r s ____
10 years and over

$1,500
2 ,0 0 0

Insurance is-

60
and in­
sured
1 year

Installments

2,500

February 1958

Street, E lectric Railway
and Motor Coach
Employe s
January 1958




AND

ACCIDENTAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

New em ployees
becom e
eligible—

S treet, E lectric Railway
and M otor Coach
Employe s

Chicago Transit
Authority *

HEALTH

Life insurance
and accident and
sickness benefits:
A fter IE m onths'
employment
Other benefits;
A fter 3 months'
employment

$ 2 ,0 0 0

At any
age

F or 1 year

Cases
covered

Graduated
according to—

MultiSingle
Death dism em - dism em berment

185
INSURANCE

PLANS

- Continued

HOSPITALIZATION

ACCIDENT AND SICKNESS

Duration of benefits
Cases
covered

Except

Amount
P eriod

—

—

(M

(M

—

After
age—

Benefits limited

—

—

(M

(l )

Extended
coverage

Benefits begin

Accident

—

Sickness

Daily
benefit
or
service

Maximum
room and
board
allowance

Duration
Days

Daily
amount

Per
disability

Em ergency
out-patient
care

Employee

—
(M

Extra allowance P er
.or service
year

Up to $15

31 days

—

Full co st of
services

$465

—

—

X

Required services
provided

X

Required services
provided

X

Up to $ 90

Dependents
Up to $ 12

Nonoccupational

$40 per week

Occupational Difference between Work­
men' s Compensation benefit
and above amount

1

~

26
<—
weeks
per d is ­
ability

—

8th day

Employee and dependents

8th day
Ward
accom m o­
dations

31 days

No accident and sickness insurance benefit provided by plan; em ployee, covered by paid sick-leave plan.




Full co st of
services

$372

31 days

90

50 percent
of co s t of
ward a c­
com m oda­
tions

_

Full co st o f
s ervices fo r first
31 days; 50 p e r­
cent o f cost for
additional 90
days

_

186




SELECTED

HEALTH

AND

187
IN S U R A N C E

PLANS

- Continued

MEDICAL - Continued

MATERNITY PROVISIONS

Dependents
Allowance
Hospi­ E lse­
Home Office
tal
where
___

___

_

___

___

Maximum
compensation

___

Surgical

Hospitalization
Maxi­
Benefits begin Maxi­
mum
mum
Other
number number provisions
Sick­ A c c i­ visits
days
ness
dent
paid
paid
for
for

_

_

—

_

Em ployee:
If disabled
fo r at
least 7
days, entitled to
5 visits
within 31
days after
returning
to work

Employee:
Inhospital
consulta­
tion allow­
ances: Up
to $25 per
disability;
up to $ 50
per year

Accident
and
sickness

Daily
benefit Dura­
or
tion
service

_

Employee

(M
—

—

—

—

Benefits available to
newly insured

Employee:
If pregnancy com m ences while
insured
Up to Up to $75
—
$150
Dependent:
A fter 9 months

Dependent
Up to Up to $ 50
$ 120

Employee
$4. 50

14
days

( 2)

$63

Up to
$22.50

Employee and dependent:
If pregnancy com m ences while
insured
Up to $50

( 2)
(*)

Dependent
Up to Up to $50
$90

No accident and sickness insurance benefit provided by plan; em ployees covered by paid sick-leave plan.
An additional allowance o f up to $45 is payable fo r charges in excess of allowances specified.




Medical

Schedule
Maximum
Extra
allowance Amounts
room and allowance Lump
and
for
sum normal limitations
or
board
allowance services
delivery

SELECTED

COMPANY, UNION,
AND
DATE OF INFORMATION

Dependents o f retired em ployee

Retired employee
Types and amounts
Life insurance

Em ployee only

$1,250

Diagnostic X -r a y and laboratory examination
S treet, E lectric Railway allowance for nonhospitalized ca ses— up to $50
and M otor Coach
per disability
Employes

Accidental
death and
dismemoerment

Hospitalization

—

Same as fo r active
em ployee

Surgical

Medical

Same as
fo r a c­
tive em ­
ployee

Same as
fo r active
employee

Life
insurance

H ospitali­
zation

Surgical

—

Same as
for depend­
ents of a c­
tive em ­
ployee

Same as
fo r de­
pendents
of active
employee

M edical

February 1958

Chicago Transit
Authority *
Street, E lectric Railway
and Motor Coach
Employes

F irs t year after
retirem ent, $1,000;
thereafter, $500

January 1958

‘ Such benefits a . X -r a y . anesthesia,and electrocardiogram allow ance, may be provided under some plans, although not listed here.
EXPLANATORY NOTES.




AND

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

OTHER BENEFITS1

Twin City Rapid Transit
Company (Minneapolis,
M inn.)

HEALTH

R eason, fo r not listing such benefits are set forth in

~

189
I N S U R A N C E P L A N S - Continued
FINANCING
Benefits for
employee

Benefits for em ployee’ s
dependents

Benefits for retired
employee

Benefits fo r dependents
of retired em ployee

Amount of contribution fo r
Benefits for em ployee and dependents

Company
Jointly
only




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

Company

Employee

One-half co st of benefits; contribu­ Balance o f cost
tion varies according to his life
insurance coverage
Monthly contribution
Type o f coverage
With
No
depend- depend­
insurance
ents
ents
$1,500 __
$ 2 ,0 00 ___

$2,500 __

$4.5 3
5.07
5.61

$8.03
8.57
9.11

E m p lo y e e 's b enefits;
E m p loy ee's benefits:
Hospitalization and' surgical— $0.95 Life insurance, a c­
per month
cident and sickness
and m edical benefitsfull cost
Dependents’ benefits:
Full co st '
Hospitalization and
surgical— balance o f
cost

Benefits lo r retired em ployee
and dependents_________
Employee
Hospitalization, s u rgical, and m ed ical:
R etired em ployee only,
$2.90 per month; r e ­
tired em ployee and
dependent, $6.40

Company
Life insurance;
Full co st
Other benefits:
Balance o f cost

190
SELECTED

ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

LIFE INSURANCE

Amount
B efore
age—

Insurance is —Maintained

Trucking industry, loca l
cartage and over-the-roat
freigh t, various a ss o cia ­
tions and individual
em p loyers, Central
States, Southeast and
Southwest areas

1st o f month f o l ­
lowing 2 months
of contributions
by em ployer for
em ployee

60

—

Amount
Cases
covered

Graduated
according to-—

Paid in—

Single
Multi­
Death dism em ­ dism em ­
berment berment
$1,250 $ 625
2,500 1,250

$1,250
2,500

Installments.

N onoccu- 1st year
pational; thereafter
occupa­
tional

$2,500 $1,250

$2,500

Installments

N onoccupational;
occupa­
tional

Employee
1st yea r, $ 1,375; thereafter, $2,750

AND

ACCIDENTAL DEATH AND DISMEMBERMENT

If permanently and totally disabled
New em ployees
becom e
eligible—

HEALTH

Dependent spouse

Team sters
1st yea r, $250; thereafter, $500
January 1958

National Automobile
Transporters A ssociation
Team sters, National
Truckaway and Driveaway
Conference

After 3 m onths'
cov ered em ployment

Employee
$2,750
Dependent spouse

M arch 1958




60

$500

—

191
IN S U R A N C E

P L A N S - Continued

HOSPITALIZATION

ACCIDENT AND SICKNESS

Duration of benefits
Cases
covered

Except

Amount
Period

Nonoccupational

1st yea r, $10 per week;
thereafter, $20 per week

A fter
age—

13
weeks
per d is ­
ability

Benefits limited

—

Extended
coverage

Benefits begin

Accident

Sickne s s

1st day

8th day

Daily
benefit
or
service

Duration
Daily
amount

Days

Maximum
room and
board
allowance

Extra allowance Per
or service
year

P er
disa­
bility

Emergency
out-patient

Employee 1
Up to $ 10

31 days

$310

—

Up to $200

—

X

Up to $25

X

Up to $25

X

Up to $200

X

Up to $160

Dependents 1
$310

Up to $ 10 31 days

Nonoccupational

$20 per week—
Maximum— two-thirds of
average weekly wage

13

weeks
per d is­
ability

—

—

1st day

Up to $160

Employee

8th day
Up to $ 10

31 days

!

_______

$310

Up to $200

i1

—

Dependents
Up to $10

Employee insured less than 1 year and his dependents receive 50 percent o f benefit.




31 days

$310

Up to $ 160

192
SELECTED

SURGICAL

COM PANY, UNION,
AND
DATE OF INFORMATION

Trucking industry, local
cartage and over-th eroad freight, various
associations, and individ­
ual em ployers, Central
States, Southeast and
Southwest areas

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

Dependents

Employee
Covers
cases
in—

Maximum schedule allowance Hospital,
$300
office, hom e,
$300
elsewhere
Tonsillectomy
Up to $45
Up to $45
Appendectomy
Up to $150
Up to $150

Team sters
January 1958

National Automobile
Transporters Association
T eam sters, National
Truckaway and Driveaway
Conference
M a rch 1958

(M

(X)

Maximum schedule allowance Hospital,
$300
office, hom e,
$300
elsewhere
Tonsillectomy
Up to $45
Up to $45
Appendec tomy
Up to $ 150
Up to $150

Employee insured less than 1 year and his dependents receive 50 percent of benefit,




AND

MEDICAL

Operation schedule—
selected allowances

Employee

HEALTH

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

Home

Office

H ospi­
tal

M axiM aximum
mum
number number
visits
days
Sickness Accident
paid
paid
for
for
Benefits begin

Allowance
E lse ­
where

Maximum
compensation

193
IN S U R A N C E

P L A N S - Continued

MEDICAL - Continued

MATERNITY PROVISIONS

Dependents

Maximum
Home Office

Hospi­

tal

E ls e ­
where

compensation

Surgical

Hospitalization
Maxi­
Maxi­
mum
mum
Other
number number provisions
A c c i- visits
days
paid
dent
paid
for
for

Benefits begin

Allowance

Sickne s s

Accident
and
sickness

Daily
benefit Duraor
tion
service

Maximum
room and
board
allowance

Regular
benefits
for 6
weeks

Schedule
Extra
allowance Amounts
allowance Lump
and
for
sum
normal limitations
delivery

Benefits available to
newly insured

Employee and dependent:

Employee 1

Afte
$140

months

$75

Dependent1
$120

Regular
benefits
for 6
weeks

$50

Em ployee and dependent:
H ospitalization and s u rg ic a lafter 9 months

Employee
Up to
$10

14
days

$140

Up to
$200

Up to $75

E m ployee:
Accident and sick n essimmediately

Dependent

_

Employee insured less than 1 year and his dependents receive 50 percent of benefit.




_

Up to Up to $ 50
$120

194
SELECTED

H EALTH

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

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

Retired employee
Types and amounts
Life insurance

Accidental
death and
di smemberment

Hospitalization

Dependents of rletired employee

Surgical

Medical

Life
insurance

Hospitali­
zation

Surgical

Trucking industry, local
cartage and over-the road freight, various
associations, and indi­
vidual em ployers,
Central States, South­
east and Southwest
areas
Team sters
January 1958

National Automobile
Transporters
Association
T eam sters, National
Truckaway and D riveaway Conference
March 1958

1 Such benefits as X -r a y , anesthesia,and electrocardiogram allowances may be provided under some plains, althoughnot listed here. Reasons for not listing such benefits are set forth in
EXPLANATORY NOTES.




AND

Medical

195
IN S U R A N C E

PLANS

- Continued

FINANCING
Benefit* for
employee

only

Jointly

Benefits for em p loyee's
dependents

Benefits fo r retired
employee

Employee Company
Company
Jointly
Jointly
only
only
only

Benefits for dependents
o f retired em ployee

Amount of contribution fo r—
Benefits fo r employee and dependents

only

only

Jointly

Employee
only

Employee

Company

X

X

Full cost——$2.2 5 per
week

X

X

Full cost— $ 2.50 per
week




Benefits fo r retired em ployee
and dependents
Employee

Company

196
SELECTED
ELIGIBILITY
REQUIREMENTS
COM PANY, UNION,
AND
DATE OF INFORMATION

Amount

If permanently and totally disabled

Truck Owners Association 1st of month fo l­
of California
lowing 1 month •s
covered employ­
ment
Team sters

Amount
Before
age—

$ 2 ,0 0 0

AND

ACCIDENTAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

New employees
become
eligible—

HEALTH

60
After
age 60

Cases
covered

Insurance is—
Maintained

Paid in—

X

—

Graduated
according to—

Single
MultiDeath dism em ­ dism em ­
berment berment

Nonoccupational

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

$ 2 ,0 0 0

For 1 year

February 1958

M aritim e industry,
various em ployers,
Atlantic and Gulf
Coasts
Seafarers

1 day1s covered
employment
in past 90 days,
and 90 days in
last calendar
year

$ 4 ,0 0 0

January 1958

Maritime industry,
various em ployers,
Atlantic and Gulf
Coasts

20 days' covered $ 3 ,5 0 0
employment
during 180 consec­
utive days

60

X

Nonoccupational;
occupa­
tional

$ 3 ,5 0 0 $ 1 ,7 5 0

$3, 500

$ 3 ,5 0 0

60

X

Nonoccupational;
occupa­
tional

$ 3 ,5 0 0 $ 1 ,7 5 0

$ 3 ,5 0 0

M aritim e Union
February 1958

M aritim e industry,
various em ployers,
Atlantic and Gulf
Coasts
Marine Engineers
March 1958




Regular
engineers:
30 days' covered
employment dur­
ing 6 consecutive
months
R elief engineers:
15 days' covered
employment dur­
ing 6 consecutive
months

197
INSURANCE

PLANS

- Continued

ACCIDENT AND SICKNESS

Duration of benefits
Cases
covered

Amount

HOSPITALIZATION

Except
Period

After
age—

Benefits limited

Extended
coverage

Benefits begin

Accident

Sickness

Daily
benefit
or
service

Duration
Days

Daily
amount

Maximum
room and
board
allowance

(*)

(M

(l )

Per
disa­
bility

Emergency
out-patient
care

Employee

—
(M

(M

Extra allowance Per
or service
year

(M
Up to
$ 1 1 .5 0

70 days

$805

Full cost of
specified serv­
ic e s , plus up to
$15 ambulance
allowance per
trip

X

Required services
provided

X

Up to $500

Dependents

Up to
$11. 50

Nonoccupational

Nonoccupational;
occupational
(3)

$21 per week, if confined to Duration
hospital
of disa­
bility

1st 13 weeks of hospital con­
finement— $3 per day; next
39 weeks, $15 per week;
thereafter:
Years in
Monthly
industry
benefit
L ess than 15
__ _ $ 4 0 .0 0
15 _
__
„
41.50
............
44.00
16
17
........................
.
18
„
4 9.50
19
__________
52.50
20 and o v e r ________
55.00

Nonoccupational
(3)

1st 13 weeks of hospital con­
finement— $21 per week;
next 39 weeks, $15 per
week; thereafter:
Years in
Monthly
industry
benefit

—

Period
of hos­
pital
confine­
ment

After 1
week
retro­
active to
1st day

After 1
week
retro­
active to
1st day

31 days

$ 3 5 6 .5 0

Up to $500 , plus
up to $ 15 ambu­
lance allowance
per trip

Dependents only 2
$10

Up to $ 100 dur­
ing 1st 31 days;
thereafter, up
to $200

Unlimited

1st day in 1st day in
hospital
hospital

X

Dependenits only 2
Up to $8

31 days

$248

Up to $80

X

47 .0 0

Period
of hos­
pital
confine­
ment

Dependents only 2

1st day in 1st day in
hospital
hospital
Up to $ 14

70 days

$980

Up to $ 500

L ess than 1 5 _______ $ 4 0 .0 0
15
..................
4 1.50
16
.
__
44 .0 0
17
47 .0 0
18
4 9.00
19
__________
52.50
20 and over
55.00

No accident and sickness insurance benefits provided by plan; em ployees covered by the California State tem porary disability law. See Appendix A .
Seamen receive free m edical and surgical care in Marine hospitals and out-patient clin ics, under the United States Maritime law.
Benefit not payable during any period for which benefits are payable under a Seaman1s War R isk insurance policy.




"

X

Up to $500

198
^ELECTED

Seamen receive free medical and surgical care in Marine hospitals and out-patient clinics, under the United States M aritim e law,
Em ergency surgical care in doctor1s office also provided.




HEALTH

AND

199
INSURANCE

PLANS

- Continued

M ED ICAL - Continued

M AT E R N ITY PROVISIONS

D ependents
A llow a n ce
H ome O ffice

_

_

H o s p i­ E l s e ­
tal
w here

Up to
$3 p e r
v is it

_

M axim um
com p e n sa tio n

$93 p e r 6-m onth
p e r io d

S u rgica l

H osp italization
M axi­
B e n e fits begin M axi­
m um
m um
O ther
num ber num ber p r o v is io n s
S ic k ­ A c c i ­ v isits
days
n e ss
paid
dent
paid
fo r
fo r

A ccid e n t
and
s ick n e s s

M axim um
r o o m and
board
allow an ce

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

_

1st day 1st day 1 p e r
day

M ed ica l

Schedule
E xtra
allow an ce A m ounts
a llow an ce L u m p
fo r
and
or
sum
n orm a l lim itation s
s e r v ic e s
d e liv e ry
E m p loyee

—

—

—

B en efits ava ila b le to
new ly in su red

E m p loy ee and dependent:
Im m ed iately
(M

—

Up to $75

(M

D ependent
I

i1

Up to $ l i io m atern it y allov vance

_

_

$ 4 per
day

_

$124 p e r d is a b ility

1st day 1st day

_

31 per
d is a ­
bility

plus
F r e e me<i ic a l ex am inati o n s , in<eluding dia gn o stic amd labor*ito r y se r v ic e s , p r o vided at 1the SIU H ealth <Center

_

_

_

_

_

_

$250 p e r y e a r
Up to Up to Up to
$3 p e r $5 p e r $5 p e r
day
day
day

*

_

_

_

_

3d
1st
v is it
v is it
o r 1st
in h o s ­
pital

$100 fo r e x p e n s e s in c u r re d , o th er than s u r g ic a l, in o r out o f h o s p ita l.
If a m u ltiple b irth o c c u r s , e n tire m a te rn ity b e n e fit paid f o r ea ch c h ild .




Dependent!
only:
B lo o d
tra n sfu sio i
allow an ce
fo r 6
tra n s fu ­
sions, up
to $20 each

_

D ependent on ly

D ependent only:
Im m ed iately

11
1
1
1f
$200 rn aterni ty allow ance ; plus a $2 5 G ove rnm ent boi id fo r
infant ‘
11

R egu la r
ben efits
fo r 6 weeks
o f hospital
c o n fin e ­
m ent

1[

11

D ependent only

E m p loy ee and dependent:
If p reg n a n cy c o m m e n c e s w hile
in su red

$200

D ependent on ly
•
Up to Up to $75
$100

D ependent on ly:
If p regn a n cy c o m m e n c e s w hile
in su red

200
^ELECTED

HEALTH

AND

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

O TH ER B E N EFITS 1
C O M PA N Y , UNION,
. AND
D A TE OF INFORM ATION

Dependents of retired employee

Retired employee
T y p e s and am ounts
L ife in su ra n ce

Accidental
death and
dismemberment

Ho spitali zation

Surgical

Medical

Life
insurance

Hospitali­
zation

Surgical

Medical

T r u c k O w ners A s s o c ia t io n D ia g n o stic X - r a y and la b o r a t o r y exam ination
o f C a liforn ia
allo w a n ce fo r n o n h o sp ita lize d c a s e s :
E m p lo y e e -—up to $ 50 f o r any one a c c id e n t o r a ll
s ic k n e s s e s during any 6-m on th p e r io d
T e a m s te r s
D epen den ts— up to $25 f o r any one a c c id e n t o r a ll
F e b ru a r y 1958
s ic k n e s s e s during any 6-m on th p e rio d
A d dition al a c c id e n t expen se a llo w a n c e :
(F o r e x p e n s e s not c o v e r e d b y o th er plan b e n e fits
in c u r r e d w ithin 3 m onths a fte r date o f accid en t)
E m p lo y e e and d e pen den ts— up to $300
P o lio a llo w a n c e :
(F o r e x p e n se s in c u r re d w ithin 3 y e a r s fr o m date o f
r e c e iv in g f i r s t tre a tm e n t, in lie u o f all o th e r plan
b e n e fits )
E m p lo y e e and dep en d en ts— up to $ 2 ,0 0 0

M a r itim e in d u stry,
v a r io u s e m p lo y e r s,
A tlan tic and G ulf
C oa sts

E m p lo ye e only
S p e c ia l equipm ent b en efit (fo r aids n e c e s s a r y fo r
r e c o v e r y such as w h e e lch a ir)— fu ll c o s t

S e a fa r e r s
Jan uary 1958

M a ritim e in d u stry ,
v a r io u s em p lo y e rs,
A tlan tic and G ulf
C oa sts

$500

M a ritim e Union

(2)

F e b ru a ry 1958

M a ritim e Industry,
v a rio u s e m p lo y e r s,
A tlan tic and G ulf
C oa sts

Sam e as
Sam e as
f o r r e t ir e d f o r r e ­
e m p loy ee
t ir e d e m ­
ployee

Sam e as fo r depen d­ Sam e as
ent o f activ e
fo r d e­
e m p lo y e e
pendent
o f activ e
e
m p loy ee
( 2)

D ependents o n ly

Sam e as fo r depen d­ Sam e as
ent o f activ e
fo r d e­
pendent
e m p lo y e e
o f a ctiv e
e m p loy ee
(3 )

$500

A d d itio n a l a c c id e n t e x p e n se a llow an ce (fo r exp en ses
not c o v e r e d b y o th e r plan b e n e fits )—-up to $300

Sam e as
fo r d e ­
pendent
o f a ctiv e
em p loy ee

Sam e as
Sam e as Sam e as
fo r r e t ir e d fo r r e ­
f o r r e t ir e d
e m p loy ee
tir e d e m ­ e m p loy ee
ployee

Marine Engineers
M a rch 1958

(3)

D ia g n o stic X - r a y and la b o r a t o r y exam ination
a llo w a n ce fo r c a s e s in o r out o f h osp ital— up~to $50
p e r d is a b ility o r du rin g any 12-m o n th p e r io d

(3)

P o lio a llo w a n ce (fo r e x p e n s e s in c u r r e d during 1st 2
y e a r s o f d is a b ility , in lie u o f a ll o th e r b e n e fits )— up
to $ 5 ,0 0 0
‘

Such b e n e fits as X - r a y , an esth esia ,a n d e le c t r o c a r d io g r a m allo w a n ce s m ay be p r o v id e d under so m e p la n s , although not lis t e d h e r e .

E X p L A N A TO R Y ^N O TE S .^ ^
s u r g ic a l b e n e fits £or em plo y e e and dependent lim ite d
3 M axim um h o s p ita liz a tio n , s u r g ic a l and m e d ica l b e n e fits lim ite d cu rin g r e t ir e m e t




*° $5° ° $

Reasons for not listing such benefits are set forth in

201
INSURANCE

PLANS

- Continued

FINANCING
B en efits fo r
em p loy ee

B e n e fits fo r e m p lo y e e 's
dependents

B e n e fits fo r r e t ir e d
e m p loyee

B e n e fits fo r dependents
o f r e t ir e d em p lo ye e

Am ount o f con tribu tion
B e n e fits fo r e m p lo y e e and dependents

Com pany
J ointly
only

C om pany
Jointly
only

E m p lo ye e C om pany
E m p lo ye e Com pany
E m p loyee
Jointly
Jointly
only
only
only
only
only

E m p lo ye e

Com pany

X

X

F u ll c o s t

X

X

F u ll c o s t — $ 1 .0 5
p e r day p e r m an
w orking a b o a rd ship

fo r —
B en efits f o r r e t ir e d e m p loy ee
and dependents
E m p loyee

C om pany

( 1>

X

X

X

X

F u ll c o s t

F u ll c o s t

X

X

X

X

F u ll c o s t 2

( 2)

( 2)

F u ll c o s t — $ 0 .6 0
p e r m an p e r day on
p a y r o ll

1 Inclu des expen se o f fo u r 4 -y e a r s c h o la r sh ip s granted annually and $25 w e e k ly d is a b ility b e n e fit payable fo r the d uration o f the d is a b ility . T h e la tte r is a v a ila b le on ly to th ose union m e m b e r s
h a v in g at le a s t 7 y e a r s ’ s e a tim e a b o a rd S lU -c o n tr a c te d sh ip s .
F in an ced out o f com p a n y co n trib u tio n s f o r b e n e fits f o r activ e e m p lo y e e and depen dents; see com pan y co n trib u tio n co lu m n fo r b e n e fits f o r e m p loy ee and d epen den ts.




202
SELECTED

E L IG IBIL IT Y
REQU IREM EN TS
C O M PA N Y , UNION,
AND
D A TE O F INFORM ATION

Am ount
B e fo r e
age—

Insu ran ce is —
M aintained

New Y o r k Shipping A s s o ­
c ia tio n , In c. *
L o n g s h o r e m e n 's
A s s o c ia tio n

A c c id e n t and s ick - $ 3 ,5 0 0
n e ss b e n e fits :
E lig ib ility r e ­
q u irem en ts o f
State te m p o r a r y
d is a b ility law

AND

A C C ID E N T A L D EATH AND D ISM EM BERM EN T

L IF E INSURANCE

Am ount

If p e rm an en tly and to ta lly d isa b led
N ew e m p lo y e e s
becom e
e lig ib le —

HEALTH

C a ses
cov ered

P a id in—

G raduated
a c c o r d in g to—

Single
M u ltiDeath d is m e m ­ d is m e m ­
berm en t b erm en t

N on occu pational;
occu pa­
tion al

$ 3 ,5 0 0 $ 1 ,7 5 0

$ 3 ,5 0 0

N o n o c cu pational;
occupa­
tion al

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

$ 2 ,0 0 0

January 1958
O th er b e n e fits :
e m p loym en t
during pre v io u s
f is c a l y e a r

P a c if ic M a ritim e
A s s o c ia t io n
L o n g s h o r e m e n 's and
W a r e h o u s e m e n 's Union
F e b ru a r y 1958

p e r io d .

O n A p r il 1, if e m ­ $ 2 ,0 0 0
p lo y e d 800 h o u rs
in p re v io u s p a y ­
r o ll 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 cto b e r 1, i f
e m p lo y e d 400
h o u rs in f i r s t h a lf
o f p a y r o ll y e a r 1

A p p lies on ly to m en in p o rts w h ere 75 p e r c e n t w o rk at le a s t 800 h ou rs per y e a r . In p o rts w here 75 p e r c e n t w o rk le s s than 800 h o u r s , e lig ib ility is b a sed on 480 h ou rs per y e a r o r 240 p e r 6-m onth
A ll fu lly r e g is t e r e d m en are a u to m a tica lly e lig ib le in a ll W ashington and O re g o n p o r ts ; p a rtia lly r e g is t e r e d m en in th ese p orts qu a lify a c c o r d in g to above w ork h ou rs fo rm u la .




20 3
INSURANCE

P L A N S - Continued

H O SPITALIZATIO N

ACCID EN T AND SICKNESS

D uration o f b e n e fits
C a ses
cov ered

N on occu p a tion al

Dailybenefit

E xcep t
A fte r
age—
$45 p e r w e e k 1

20
w eeks
per d is ­
ab ility

E xtended
coverage

B e n e fits begin

D aily
am ount

D ays

B en efits lim ite d

1st day

M axim um
ro o m and
b oa rd
a llow an ce

E x tra allow a n ce
o r s e r v ic e

P er
year

Per
d is a ­
b ility

E m ergen cy
out-patien t
care

—

X

Up to $ 4 0 0 , plus
75 p e r c e n t o f ad d i­
tion al c h a r g e s

E m p loy ee 2

8th day
$8

70 days

—

—

$560

Up to $4 0 0 , plus
75 p e r c e n t o f
additional
ch a rg e s

D ependents 2

Up to $8

N on occu p a tion al

$53 p e r w eek 3

26
w eeks
per
year

1st day

$560

70 days

E m p loyee and dependents

8th day

1 E m p lo y e e guaran teed b e n e fits s p e c ifie d under the New Y o rk State te m p o r a r y d is a b ility law .

I

I

I

I

r

P r o v id e d by the K a is e r Foundation H ealth P la n 4

S ee A p pendix A .

£% Z

T

j

1

am ount h o . ^ W c h a r t s
'the c ^ t o f a
T o c o ll e c t b e n e fit' m en
l i.S f * * e ™i Pr iv » t e ™
during the f i r s t 70 days and 50 p e r c e n t o f c o s t f o r an add itional 131 d a y s ,
l o c o ll e c t b e n e fit, m en r e g u la r ly e m p lo y e d in in du stry m u st have w ork ed at le a s t 1 day in la s t 31 days p r io r to f ir s t day o f d is a b ility .
te m p o ra ry d is a b ility la w . S ee A ppendix A .
Plan c o v e r s m a jo r it y o f e m p lo y e e s under IL W U -P M A W e lfa re P an. See A ppendix D .




Up to $ 4 0 0 , plus
75 p e r c e n t o f a d d i­
tional c h a r g e s

Up to $ 40 0, plus
75 p e r c e n t o f
additional
c h a rg es

di££eren« -

“ “ X. » etw een s p e c ifie d daily b e n e fit and

E m p lo y e e s in C a lifo rn ia a re c o v e r e d by the C a lifo rn ia State

204
SELECTED

HEALTH

AND

SU RG ICAL

C O M PA N Y , UNION,
AN D
D A T E O F INFORM ATION

New Y o r k Shipping
A s s o c ia t io n , In c. *
L o n g s h o r e m e n 's
A s s o c ia t io n
Jan uary 1958

Up to schedule
a llow an ce
a c c e p te d a s fu ll
paym ent i f annual
in c o m e i s under—

O peration sch edu le—
s e le c t e d a llo w a n ce s

E m p loyee
C ov ers
cases

E m p lo y e e

D ependents

Up to sch edu le
allo w a n ce
a c c e p te d a s fu ll
paym ent i f annual
in c o m e i s under—

M a x im um
num ber
v is its
S ick n ess A ccid en t
pa id
fo r
B en efits begin

O ffic e

H o s p i­
tal

E ls e ­
w h ere

M axim um
com p en sa tion

M axim u m sch ed u le allow an ce H o sp ita l,
8250
$300
o ffic e , hom e,
e ls e w h e r e
T o n s ille c to m y
U nder age 12,
Up to 850
up to $30;
o v e r age 12,
$50
A ppendec tom y
Up to $140
Up to 8200

P a c ific M a r itim e
A s s o c ia t io n

P r o v id e d by the K a is e r F oundation H ealth P l a n 1

L o n g s h o r e m e n 's and
W a r e h o u s e m e n 's Union
F e b ru a r y 1958

1 P la n c o v e r s m a jo r it y o f e m p lo y e e s under IL W U -P M A W e lfa r e Plan*




See A p pendix D .

P r o v id e d by the K a is e r F oundation H ealth P l a n 1

M a x i­
m um
num ber
days
p aid
fo r

2105
INSURANCE

P L A N S - Continued

M ED ICAL - Continued

M A T E R N ITY PROVISIONS

Dependents

Hospi­ E ls e ­
tal
where

Maximum
compensation

S u rg ica l

H osp ita liza tion
M a x i­
B e n e fits begin M a x i­
m um
m um
O ther
num ber num ber p r o v is io n s
S ick ­ A c c i ­ v is it 8
days
ness
paid
paid
dent
fo r
fo r

A c c id e n t
and
sick n e s s

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

M axim um
r o o m and
board
a llow an ce

M ed ica l

Schedule
E x tra
allowance! A m ounts
allo w a n ce Lum p
and
fo r
or
sum n orm a l lim itation s
s e r v ic e s
d e liv e ry

E m p loy ee and dependent:
Im m ed iately

E m p lo y ee

—

—

—

—

B en efits a vailable to
new ly in su red

Up to
$125

—

—

D ependent
Up to Up to
$125 $125

E m p lo y e e and dependent

P r o v id e d by the K a is e r Foundation H ealth P la n 1

“i----1---------1
--------1
---- 1
--------r
P r o v id e d by the K a is e r Foundation H ealth P l a n 1

Plan covers m ajority of employees under ILW U -PM A Welfare Plan.




See Appendix D.

E m p loy ee and dependent:
Im m ed ia tely

206
SELECTED

COMPANY, UNION,
AND
DATE OF INFORMATION

R etired employee
Types and amounts

Longshorem en1s
A ssociation

Life insurance

Accidental
death and
dism em berment

—

—

Employee and dependents
Diagnostic X -ra y and laboratory allowance for nonhospitalized ca ses— up to $75 per year

January 1958

P acific Maritime
A ssociation
Longshorem en’ s and
W arehousemen's Union

Employee and dependents

$1,000
$1,000

Provided by the K aiser Foundation Health Plan 2

Hospitalization

Surgical

M edical

Life
insurance

Room and board
allowance, $10 per
day for 31 days;
allowance for extra
se rv ice s , up to
$150 per year

Same as
for de­
pendent
of active
em ployee
but lim it­
ed to
$250 per
year

—

—

P rovided by the Kais»er Founds.tion Health

Death:
P la n 2’ 3
(3)

Dependents o f rletired em ployee

Single dism em berment:

__

H ospitali­
zation

Surgical

M edical

Same as
Same as
fo r retired fo r r e ­
em ployee
tired em ­
ployee

Dependents under age 15
Dental ca re (excluding orthodontics, cosm etic care
for appearance only, and care provided by the
K aiser Foundation Health Plan)— full cost

Multi dism em berment:
$1,000
(3)

1 Such benefits as X -r a y , anesthesia,and electrocard iogram allowances may be provided under some plans, although not listed h ere. Reasons fo r not listing such benefits are set forth in
EXPLANATORY NOTES.
2 Plan covers m ajority of em ployees under ILWU-PMA Welfare Plan. See Appendix D.
3 Available to all men receiving PMA-ILWU pensions, regardless of eligibility fo r benefits p rior to retirem ent,and to those retiring at age 65 with 20 years se rv ice in industry (last 5 years
consecutive) if eligible on job .




—

Same as Same as
Same as
for retired for r e ­
fo r retired
tired em ­ em ployee
em ployee
ployee

"$500

February 1958

AND

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

OTHER BENEFITS1

New York Shipping
A ssociation, Inc. *

H EALTH

207
IN S U R A N C E

P L A N S - Continued

FINANCING
Benefits for
.employee

Benefits for em p loyee's
dependents

Benefits fo r retired
employee

Benefits fo r dependents
of retired em ployee

Amount of contribution for—
Benefits for employee and dependents

Company
join tly
only

Employee Company
Company
Employee
Jointly
Jointly
only
only
only
only

X

X

X

2

X

only

X

X

(M

n

Employee
Jointly
only

Employee

Company

Benefits fo r retired em ployee
and dependents
Employee

Full cost— $ 0.1 4 per
man-hour worked

X

X

(2)

(2)

1 percent o f annual earnings 3

$0.11 per m an-hour
worked

fin a n ced ° ut o f company contributions fo r benefits for active em ployee and dependents; see company contribution column fo r benefits fo r em ployee and dependents.

3 Financed by active employee and company contributions; see contribution columns for benefits for employee and dependents.

In California i percent of firs t $3,600 of annual earnings contributed to the State's tem porary disability fund.




Company
Full c o s t 1

(2)

( 2)

208
SELECTED
ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

The Detroit Edison
Company

LIFE INSURANCE

HEALTH

AND

ACCIDENTAL DEATH AND DISMEMBERMENT

If permanently and totally disabled

New em ployees
becom e
eligible—

After 6 m onths'
employment

Before
age—

$ 1, 0 0 0 1

Insurance i s

Cases
covered

Graduated
according to—

Single
Multi­
dism em ­ dism em ­
berment berment

Installments

Utility Workers
January 1958

Pennsylvania Power and
Light Company
Employees Independent
A ssociation
A pril 1958

Life insurance:
Immediately or
1st of following
month
Other benefits:
1st o f month fo l­
lowing 1 m onth's
employment

B efore age 65;

L ess 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, 000 to
$ 5 ,5 0 0 to
$ 6 ,0 0 0 to
and up

$1, ,000
$1, ,500
$2,,000
$2,, 500
$3,,000
$3,,500
$4,,000
$4,,500
$5,,000
$5,, 500
$6,,000
$6,, 500

After age 6 5 ::i
Years of
service
5 to 10 __
10 to 15 _
15 to 2 0 _____
20 to 25 _
25 to 3 0 _____
30 and over _—

___
___
___

1
2
3
4

65

Installments

Insurance
When period o f employment is 2—
6 months to 1 year 1 year and ovei

Annual straighttime earnings

$1 ,000
1 ,500
2,,000
2 ,500
3,,000
3,,500
4 ,000
4 , 500
5 ,000
5,,500
6 ,000
6,, 500

____
____
_____
____
____
____
____
____
____
_____
____

$2,,000
3,,000
4,,000
5,,000
6,,000
7,,000
8,,000
9,,000
10,,000
11,,000
12,,000
13,,000

Insurance4
Percent of annual earningsi if over age—
70
65
66
68
67
69 and over
50
60
70
80
90
100

45
54
63
72
81
90

40
48
56
64
72
80

35
42
49
56
63
70

30
36
42
48
54
60

25
30
35
40
45
50

Additional insurance provided on a contributory b asis.
Employees with less than 6 m onths' service provided $500 life insurance cov era ge, regardless of earnings.
Maximum of $500 guaranteed em ployee.
Reduction applies only to em ployee hired on or after October 1, 1957. F or em ployee hired p rior to October 1, 1957, on reaching age 65 insurance reduced to amount in effect on June l t 1957.




209
IN S U R A N C E

P L A N S - Continued

ACCIDENT AND SICKNESS

HOSPITALIZATION

Duration of benefits
Cases
covered

Amount

Except
Period

Extended
coverage

Benefits begin

After
age—

Benefits limited
to—

Accident

Sickness

—

—

—

—

—

—

—

(l )

(l )

(l )

(X)

i 1)

(M

(M

Daily
benefit
or
service

Duration
Days

uauy
amount

Maximum
room and
board
allowance

Extra allowance P er
or service
year

Per
d isa­
bility

Em ergency
out-patient
care

Employee and dependents
Sem iprivate
room

120 days

Full cost of
specified
services

X

Up to $20 2

•

—

—

—
(l )

(M

—

—

—

—

(M

C)

(M

Employee and dependents
Semi­
private
room

70 days

No accident and sickness insurance benefit provided by plan; em ployees covered by paid sick-leave plan,
Also payable for em ergency treatment in clinic or d o c to r 's o ffice .




Full cost of
specified
services

X

Required services
provided

210
SELECTED

Up to schedule
allowance
accepted as full
payment if annual
incom e is tinder—

__

The Detroit Edison
Company
Utility W orkers
January 1958

Operation schedule—
selected allowances

Employee

AND

MEDICAL

SURGICAL
COMPANY, UNION,
AND
DATE OF INFORMATION

H EALTH

Dependents

Employee
C overs
cases
in—

Maximum sche dule allowance Hospital,
1300
o ffice , hom e,
elsew here
Tonsillectom y
Up to $42.50 Up to $42. 50

13oo

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

Home

Office

__

__

__

H ospi­
tal
$5 fo r
each
day of
confine­
ment

Maxi­
Maxi­
mum
mum
number number
visits
days
Sickness Accident
paid
paid
fo r
fo r
Benefits begin

Allowance
E ls e ­
where

__

Maximum
compensation

$350 per disability

1st day

1st day

Home and o ffice:
$63 per year

Home
and
o ffice:
4th visit

Home
and
office:
4th visit

__

70 per
d isa­
bility

Appe nde c tomy
Up to $125
Up to $125

•

Pennsylvania Pow er and
Light Company
Employees Independent
A ssociation
April 1958

Individual c o v e r - Maximum sche dule allowance Hospital,
1200
age, $2, 500; em ­ 1 200
o ffice , hom e,
ployee and 1 or
elsew here
m ore dependents,
Tonsillesctomy
$4,000
Up to $40
Up to $40
(l )
(*>

Appendectomy
Up to $100
Up to $100

(M

(M

1 Employee may receiv e m ore liberal benefits by paying the additional co st.




Individual c o v e r ­ Up to
age, $ 2, 500; e m ­ $3 per
visit
ployee and 1 o r
m ore dependents,
$4,000

(M

(M

Up to
$3 per
visit

0)

1st day,
up to
$10; 2d
day, up
to $5;
there­
after,
up to $3
per day
(l )

__

Hospital:
$219 per disability
(l )

Hospital: Hospital;
1st day 1st day
(l )

Home
and
office :
21 per
year

(M

Hospital:
70 per
disa­
bility

(M

211
IN S U R A N C E

P L A N S - Continued

MEDICAL - Continued

MATERNITY PROVISIONS

Dependents

H ospi­ E ls e ­
Office
tal
where

( 2)

Maximum
compensation

$5 for
each
day of
con ­
fine­
ment

$350 per disability

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

$219 per disability

( 2)

(2)

( 2)

1st day 1st day

1st day 1st day
( 2)

( 2)

Accident
and
sickness

Daily
benefit Dura­
or
tion
service

Maximum
room and
board
allowance

Schedule
Extra
allowance Amounts
allowance Lump
and
for
sum
or
normal limitations
services
delivery

(M

70 per 1 in disa­ hospital
bility bedside
consulta­
tion per
(2)
disability,
up to $ 10

Semi­ 120
private days
room

Full cost
of s p e c i­
fied
services

Up to $70

Employee and dependent:
Afte ) months

Employee and dependent
(M

Sem i- 10
private days
room

(2 )

No accident and sickness insurance benefit provided by plan; em ployees covered by paid sick-leave plan.
Employee may secure m ore liberal benefits by paying the additional co s t.

Full cost
of s p e ci­
fied
services

Benefits available to
newly insured

Employee and dependent:
Immediately

Employee and dependent

70 per
disa­
bility

(2)




Surgical

Hospitalization
Benefits begin Maxi­ Maxi­
mum
mum
Other
number number provisions
Sick­ A c c i­ visits
days
ness
paid
paid
dent
fo r
for

Up to $60
( 2)

212
SELECTED

COMPANY, UNION,
AND
DATE OF INFORMATION

R etired employee
Types and amounts

Utility W orkers
January 1958

Anesthesia allowance fo r nonhospitalized cases ex­
cept when used as part o f em ergency out-patient
ca re—-up to $10 fo r each use

Accidental
death and
dismemberment

Dependents o f retired em ployee

Life
insurance

H ospitali­
zation

Hospitalization

Surgical

Medical

Retiring at age 65
o r at age 66 with"
15 y e a rs ' service:

tfifoffo*------------

Retiring at age 60
or later:
Same as for active
em ployee

Retiring
at age oO
o r later:
Same as
fo r active
employee

Retiring at
age 60 or
la te r:
Same as
fo r active
employee

Same as
Same as
Same as
fo r retired
fo r retired for r e ­
tired
em ployee
em ployee
em ployee

Same as for
active employee

Same as fo r active
employee

Same as F o r info r active hospital
em ployee cases only:
Same as
fo r active
em ployee

Same as
Same as Same as
for retired fo r r e ­
for retired
tired em ­ em ployee
employee
ployee

Life insurance

Employee and dependents

AND

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

OTHER BENEFITS1

The Detroit Edison
Company

HEALTH

Surgical

M edical

Operating room allowance for nonhospitalized cases
except when used as part of em ergency out-patient
care—nip to $10 fo r each use
Diagnostic X -r a y allowance (fo r diagnosis resulting
in hospitalization within 30 days, o r fo r examination
occurring within 48 hours after discharge from h o s­
pital and is in connection with disability causing
hospitalization)— up to $20
Ambulance allowance for nonhospitalized ca ses— up
to $ 10 per trip

Pennsylvania P ow er and
Light Company
Em ployees Independent
A ssociation

Employee and dependents
X -ra y radium treatment allowance (for treatment
of specified conditions in o r out o f hospital)— not
available fo r surgical cases

A pril 1958

1 Such benefits as X -r a y , anesthesia,and electrocardiogram allowances may be provided under some plans, although not listed here. Reasons fo r not listing such benefits are set forth in
EXPLANATORY NOTES.
2 Retiring at age 65 and covered by additional life insurance— total amount in effect immediately prior to retirem ent reduced 10 percent at retirem ent and 10 percent annually thereafter until
amount equals 50 percent of amount in effect before initial reduction o r $2, 500, whichever is greater. Retiring at age 60 with 15 y e a rs ' service and covered by the additional insurance—amount in effect
at date of retirem ent may be maintained until age 65, then reduced in same manner as stated previously o r reduction in coverage may begin im m ediately (em p loy ee's contribution toward the co st of
insurance ceases when reduction in coverage begins).




213
IN S U R A N C E

P L A N S - Continued

FINANCING
B en efits f o r
em p loy ee

B e n e fits fo r e m p lo y e e 's
dependents

B en efits f o r r e t ir e d
em p lo ye e

B e n e fits f o r dependents
o f r e t ir e d e m p loyee

Am ount o f con tribu tion
B e n e fits fo r em p lo ye e and dependents

Com pany
Join tly
only

X

X

E m p lo ye e Com pany
E m p lo y e e Com pany
Com pany
E m ployee
Jointly
Join tly
Jointly
on ly
only
only
only
only
only

X

X

X

X

X

X

Com pany

E m p loyee
H osp ita liza tio n and s u r g ica l:
B en efits fo r e m p lo y e e only, $ 0 . 69
p e r w eek; f o r e m p lo y e e and one
dependent, $ 1 .5 6 ; fo r e m p lo y e e ,
sp ou se and ch ild r e n under age 19,
$ 1 .8 0 ; fo r e a ch additional depen d­
ent, $ 0 .7 5

L ife in s u ra n ce:
F u ll c o s t 1

E m p lo y e e 's b e n e fits :
L ife in su ra n ce b a s e d on s e r v ic e —
40 ce n ts p e r m onth p e r $ 1 ,0 0 0 o f
in su ra n ce in e x c e s s o f $500
L ife in su ra n ce b a s e d on ea rn in gs—
60 ce n ts p e r month p e r $ 1 ,0 0 0 o f
in su ra n ce

E m p lo y e e 's b en e fits :
L ife in su ra n ce— fu ll
c o s t o f f ir s t $500
b a s e d on s e r v ic e ;
ba la n ce o f c o s t o f
rem ain in g in su ra n ce
O ther b en efits — fu ll
cost

O ther b e n e fits :
B a lan ce o f c o s t

D epen den ts' b e n e fits:
F u ll c o s t — b e n e fits f o r spou se w ith­
out m a te rn ity , $ 4 .4 5 per m onth; fo r
sp ou se with m a te rn ity o r spou se
w ith m atern ity and a ll c h ild r e n ,
$ 6 . 66; f o r w id ow (er) and 1 c h ild ,
$ 3 .4 3 ; f o r w id o w (e r) and 2 o r m o re
c h ild r e n , $ 6 .0 5

* E m p loy e e m ay s e c u r e additional in su ra n ce on a co n tr ib u to r y b a s is .
E m p loy e e r e tir in g at age 60 co n trib u te s tow a rd c o s t o f add itional in su ra n ce as long as total am ount o f in su ran ce in e ffe c t is m aintained.




fo r —
B en efits f o r r e t ir e d e m p loy ee
and dependents
E m p loyee
H osp ita liz a tion and
s u r g ica l;
Sam e as activ e
em p loy ee

C om pany
L ife in su ra n ce:
F u ll c o s t 2
O th er b e n e fits :
B a la n ce o f c o s t

L ife in su ra n ce:
H os p ita liz a tion , s u r F u ll c o s t
g ic a l, and m e d ica l:
F u ll c o s t — b en efits f o r
em p lo y e e on ly , $ 6 .1 0
p e r m onth; f o r husband
and w ife w ithout m a ­
t e r n ity , $ 1 4 .6 4 ; f o r
husband and w ife with
m a tern ity o r husband
and w ife with m a t e r ­
nity and all c h ild r e n ,
$ 1 7 .4 2 ; f o r w id ow (er)
and 1 c h ild , $ 1 3 .6 4 ;
f o r w id ow (er) and 2 o r
m o r e c h ild r e n , $ 1 5 .9 6

214
SELECTED

E L IG IB IL IT Y
REQU IREM EN TS
C O M P A N Y , UNION,
AND
D A T E O F INFORM ATION

L o n g s h o r e m e n 's and
W a r e h o u s e m e n 's Union,
L ocal 6
F e b ru a r y 1958

Am ount

If p erm a n en tly and to ta lly d is a b le d
Am ount
B e fo r e
age—

L ife and a c c id e n ­
tal death and d i s m e m b e rm e n t
in su ra n ce :
1 y e a r 's e m p lo y m ent, m in im u m
o f 1, 500 h o u rs o f
w o rk

$ 1, 000

60

C ases
covered

In su ran ce ii
M aintained

D is t r ib u t o r s A s s o c ia t io n
o f N orth ern C a lifo rn ia

AND

A C C ID E N T A L D EATH AND D ISM EM BERM EN T

LIFE INSURANCE

New e m p lo y e e s
becom e
e lig ib le —

H EALTH

X

G raduated
a c c o r d in g t o -

P a id in—
N o n o c cu pational

M u ltiSingle
Death d is m e m ­ d is m e m ­
berm en t berm en t

$1, 000 $ 5 0 0

$ 1, 000

$1, 000 i 500
1, 500
750
2 ,0 0 0
1, 000
2 .5 0 0
1, 250
3, 000
1, 500
3 .5 0 0
1 ,7 5 0
4 , 000 2, 000

$ 1, 000
1, 500
2, 000
2, 500
3, 000
3 ,5 0 0
4 , 000

O ther b e n e fits :
1st day o f m onth
fo llo w in g 30 d a y s '
em ploym en t f r o m
the 20th o f one
m onth to 20th o f
fo llo w in g m onth

R esta u ra n t in du stry,
P r o g r e s s iv e R estau ra n t
O w ners A s s o c ia t io n , Inc.
and oth er e m p lo y e r s
(New Y ork , N. Y. )
H otel and R estau ra n t
E m p lo y e e s , L o c a l 89
F e b ru a r y 1958




A ft e r 2 months*
em p lo ym e n t and
2 m onths* union
m e m b e r s h ip

B a s e w e e k ly ea rn in g s
L e s s than $ 3 0 ________
$ 3 0 to $ 4 0 ___________
$ 4 0 to $ 5 0 ___________
$ 5 0 to $ 6 0 ___________
$ 6 0 to $ 7 0 ___________
$ 7 0 to $ 8 0 ___________
$ 80 and o v e r _________

Insurance
.

$ 1 ,0 0 0
1.5 0 0
2 ,0 0 0
2, 500
3, 000
3 .5 0 0
4 , 000

60

N o n o c cu - B a s e w eek ly
pation al; ea rn in g s
occupa­
tion a l
L e s s than $ 3 0 _____
$ 3 0 to $ 4 0 ________
$ 4 0 to $ 5 0 ________
$ 5 0 to $ 6 0 ________
$ 6 0 to $ 7 0 ________
$ 7 0 to $ 8 0 ________
$ 80 and o v e r ______

215
IN S U R A N C E

PLANS

- Continued

H O SP ITAL IZAT IO N

AC CID EN T AND SICKNESS

D uration o f b e n e fits
C ases
cov ered

E xcep t

Am ount
P e r io d

A fte r
age—

B en efits lim ite d
to—

E xtended
co v e r a g e

B e n e fits begin

A ccid e n t

S ick n e ss

—

—

—

—

—

—

—

(l )

(l )

(l )

(M

(l )

(l )

(l )

D aily
benefit
or
s e r v ic e

M axim um
r o o m and
b oa rd
a llow an ce

D uration
D aily
am ount

D ays

E xtra a llow an ce
o r s e r v ic e

Per
year

E m p loy ee and dependents
O ptional plan A
--------------------r--------------------1----------1

1

I
1
1
1
P r o v id e d b y the K a is e r Fou ndation H ealth p la n *

1

Up to $ 14

N on occu p a tion al

O n e -h a lf a v e ra g e
w e e k ly w age—
M inim um — $20 o e r w eek
M axim um — $45 p e r w eek

20
w eeks
per
d is a ­
b ility

—

—

8th day

I

J ______________________

_____________I____ .________1___________________ 1______ 1
O ptional plan B
$434

31 days

Up to $30 0, plus
75 p e r c e n t of
add ition al
ch a rg e s up to
$ 1 ,3 0 0

X

Up to $3 0 0 , plus
75 p e r c e n t of
a dd ition al ch a rg es
up to $ 1 ,300

X

Up to $ 7 .2 5

E m p loy ee and dependents

8th day
S e m i­
p riv a te
room

21 days

180 50 p e r c e n t
of cost of
s e m i­
p riv a te
room

No a c c id e n t and s ick n e s s in su ran ce ben e fits p ro v id e d b y plan; e m p lo y e e s c o v e r e d b y the C a lifo rn ia State te m p o r a r y d is a b ility law .
See A ppendix D.




E m ergen cy
ou t-patien t
care

P er
d is a ­
b ility

—

F u ll c o s t o f
s p e c ifie d s e r v ­
i c e s f o r 1st 21
d a y s; 50 p e r c e n t
of cost fo r
add itional 180
d ays

See A ppendix A .

—

216
SELECTED

CO M PA N Y , UNION,
AND
D A T E O F INFORM ATION

D is tr ib u to rs A s s o c ia t io n
o f N orth ern C a lifo rn ia
L o n g s h o r e m e n 's and
W a reh ou sem en 's Union,
L ocal 6
F e b ru a r y 1958

C ov ers
cases
E m p lo y e e

D ependents

H ospital,
hfaxim um sch edu le a llow a n ce o f fic e ,
hom e,
5300
e ls e w h e r e
Up to
to m --------------------

$45

A p pend ectom y

Up to "$150

H otel and R estau ra nt
E m p lo y e e s , L o c a l 89
F eb r u a r y 1958

1 See A p pendix D.
2 See A ppendix B.




Home

Office

Hospi­
tal

P r o v id e d by
the H ealth
In su ran ce
P la n o f
G re a te r N ew
Y o rk 2

Maxi­
"m a -"
mum
mum
number number
visits
days
Sickness Accident
paid
paid
for
for
Benefits begin

Allowance
E lse ­
where

Maximum
compensation

n-------r-------1-------r------------------r
O ptional plan A

P r o v id e d b y the K a is e r Foundation H ealth P la n 1

____________ I_________________ 1________________ I________
O ptional plan B

T o n sille c to m y

R estau ra n t in d u stry,
P r o g r e s s iv e R estau ra n t
O w ners A s s o c ia t io n , Inc.
and oth er em p lo y e r s
(New Y o rk , N. Y. )

Up to sch edu le
allo w a n ce
a c c e p te d a s fu ll
paym ent if annual
in c o m e i s under—

O ptional plan A
-------------------!----------r
-r
P r o v id e d b y the K a is e r F oundation H ealth P l a n 1

Up

AND

Employee

O p eration schedule—
s e le c t e d a llo w a n ce s

Up to schedule
a llow an ce
a c c e p te d a s fu ll
paym ent i f annual
in co m e i s under—

HEALTH

O ptional plan B
Up to
$5 p e r
v is it

Up to
$5 p e r
v is it

Up to
$5 p e r
v is it

$350 p e r y e a r

H ospital:
Tit
v is it
Home
and
office:
2cl visit

I Up to flBO

P r o v id e d by the H ealth In su ran ce P lan o f G re a te r N ew Y o r k *

1 per
day

217
INSURANCE

PLANS

-

Continued

M A T E R N ITY PROVISIONS

M ED ICAL - Continued

H om e

H o s p i­ E l s e ­
tal
w h ere

O ffic e

M axi­
M a xi­
m um
m um
O ther
num ber num ber p r o v is io n s
A c c i ­ v is its
days
paid
paid
dent
fo r
fo r

B e n e fits be g in
M axim um
co m p e n sa tio n

S u rgica l

H o sp ita liza tio n

D ependents
A llo w a n ce

S ick ­
ness

A c c id e n t
and
s ick n e s s

D aily
ben efit D u ra ­
or
tion
s e r v ic e

M axim um
r o o m and
board
a llow an ce

M ed ica l

Schedule
E x tra
a llow a n ce A m ounts
a llow a n ce Lump
fo r
and
or
sum
n orm a l lim itation s
s e r v ic e s
d e liv e r y

O ptional plan A

O ptional plan A

1
1
I
I
I
P r o v id e d b y the K a is e r Fou ndation H ealth P l a n 1
________ ________ _______
________ ________ _________ ____________
O ptional plan B
I

—

Up to Up to
$5 p e r $5 p e r
day
v is it

—

O ffic e :
#2 *>0 p e r y e a r
H ospital:
$15b p e r d is a b ility

O ffice :
2d
TTst
v is it
v is it

31 p e r
d is a b ilit y

E m p lo y e e and dependent
__
T
T
1
I
I
I
P r o v id e d b y the K a is e r F oundation H ealth P la n 1
1_ ________ 11_______11
________1_______ I
________
1I
O ptional plan B

—

_

Up to Up to $ 75
$150

__

___

__

R eg u la r
b en efits
fo r 6
w eeks

E m p loy ee and dependent:
H osp ita liz a tion — im m ed ia tely

E m p lo y ee
Up to P r o v id e d b y the
H ealth In su ran ce
$80
P lan o f G re a te r
New Y o r k 2
D ependent
Up to
$80

See Appendix D.
See Appendix B.




E m p loy ee and dependent:
Im m ed iately

E m p lo y e e :
A fte r 9 m onths

E m p lo y e e only
H ospital:
1st
1st
day
day

_

B en efits a vailable to
new ly in su red

E m p loy ee:
A c c id e n t and s ick n e s s — if p r e g ­
n an cy c o m m e n ce s w hile insured
S u r g ic a l and m e d ica l—
im m ed ia tely

218
SELECTED

C O M P A N Y , UNION.
AND
D A T E OF IN FOR M ATIO N
L ife in su ra n ce

F e b ru a r y 1958

D ependents o f r e t ir e d e m p loy ee

R e tir e d e m p lo y e e
T y p e s and am ounts

L o n g s h o r e m e n 's and
W a r e h o u s e m e n 's Union,
L ocal 6

A c c id e n ta l
death and
d ism e m b e rm e n t

H o sp ita liz a tio n

S u rg ica l

M ed ica l

L ife
in su ran ce

H o s p ita li­
zation

S u r g ic a l

M e d ica l

E m p lo ye e and dependents
O ptional plan A
P r o v id e d b y the K a is e r F ou n dation H ealth P la n *
O ptional plan B
D ia g n o s tic X - r a y and la b o r a t o r y te st a llo w a n ce fo r
n o n h o sp ita lize d c a s e s — up to $50 during any 1Z c o n s e c u tiv e m on th s.
Su p plem en tary a c c id e n t e xp en se a llo w a n ce (fo r e x p e n s e s in c u r re d w ithin 90 days o f a c c id e n t)— up to
$300
S p e c ia l d is e a s e b e n e fit (fo r p o lio , s c a r le t fe v e r ,
diph th eria, sp in al m e n in g itis , e n c e p h a litis , r a b ie s ,
tetanus, tu la re m ia , typhoid, and leu k em ia )— up to
$ 5 ,0 0 0 f o r e x p e n se s in c u r re d w ithin 2 y e a r s a fte r
f i r s t treatm en t w hich a r e in e x c e s s o f o th er plan
b e n e fits .
M a jo r m e d ic a l e x p e n se b e n e fit— 80 p e r c e n t o f e x p e n s e s not c o v e r e d b y o th e r plan b e n e fits w hich a re
in e x c e s s o f $75 ; m axim u m — $5 , 000 during any
1 c a le n d a r y e a r .

R estau ra n t in du stry,
E m p lo y e e o n ly
P r o g r e s s iv e R estau ra n t
O w ners A s s o c ia t io n , In c .,
P r o v id e d b y the H ealth In su ra n ce P la n o f G re a te r
and oth er e m p lo y e r s
N ew Y o r k 3
(New Y o rk , N. Y. )

$ 1 ,0 0 0

Sam e a s f o r a c tiv e
e m p lo y e e

Sam e a s
fo r r e ­
t ir e d
em p lo y e e

H otel and R estau ra n t
E m p lo y e e s , L o c a l 89
F e b ru a r y 1958

1 Such ben efits as X - r a y , a n e s th e s ia , and e le c t r o c a r d io g r a m a llo w a n ce s m ay be p ro v id e d under s o m e p lan s, although not lis t e d h e r e .
E X P L A N A T O R Y N OTES.
2 See A p pendix D.
3 S ee A p pendix B.




AND

EXTENSIO N O F BE N E FITS TO —
(m ust be at le a s t on group rate b a s is )

O TH ER BE N E FITS 1

D is tr ib u to rs A s s o c ia t io n
o f N orth ern C a lifo rn ia

HEALTH

R ea son s fo r not lis tin g su ch b en efits a r e s et forth in

219
IN S U R A N C E

PLANS

- Continued

FINANCING
B en efits fo r
em p loy ee

B e n e fits fo r e m p lo y e e 's
dependents

B e n e fits f o r r e t ir e d
em p lo ye e

B e n e fits f o r dependents
o f r e tir e d e m p lo y e e

Am ount o f con trib u tion
B e n e fits fo r e m p lo y e e and dependents

Com pany
Join tly
only

C om pany
E m p lo y e e C om pany
E m p lo y e e Com pany
E m p loyee
Jointly
Jointly
Jointly
only
•only
only
only
only
only

X

X

C om pany

B e n e fits f o r r e t ir e d e m p lo y e e
and dependents
E m p loyee

X 1

X 1

F u ll c o s t — 4 p e r c e n t
o f m onthly p a y r o ll

1 F inan ced out o f com pany con tribu tion s fo r ben e fits f o r a c tiv e e m p lo y e e and dependents; s e e com pany con tribu tion colu m n fo r b e n e fits fo r em p lo y e e and dependents.




C om pany

F u ll c o s t

X

X

E m p lo y e e

fo r —

F u ll c o s t 1

220
SELECTED
ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

R etail, wholesale, and
warehouse industries,
various em ployers
(New York, N. Y . ) *

HEALTH

AND

ACCIDENTAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

If permanently and totally disabled
New em ployees
becom e
eligible—

A fter 90 days*
employment

Before
age—

Average weekly
earnings
Less than $ 7 5 .0 1 ----$75.01 to $ 1 0 0 .0 1 ---$100.01 to $125.01 ~
$125.01 to $150.01 —
$150.01 to $175.01 —
$175.01 and o v e r -----

Retail, W holesale and
Department Store Union,
D istrict 65 (65 Security
Plan)

Years of active plan m embership
Under 5

5_

10

15

$1,000
1, 500
2,000
2,500
3,000
3,500

$1,500
2,000
2, 500
3,000
3,500
4,000

$2,000
2, 500
3,000
3,500
4,000
4,500

$2,500
3,000
3,500
4,000
4,500
5,000

20

25

30

35

$3,000
3,500
4,000
4,500
5,000
5,500

$3,500
4,000
4, 500
5,000
5,500
6,000

$4,000
4, 500
5,000
5,500
6,000
6, 500

$4,500
5,000
5,500
6,000
6,500
7,000

At any
age

Insurance is

F or 1 year from
date weekly a c­
cident and sick ­
ness benefits are
exhausted

Cases
covered

Graduated
according to—

Single
Multidism em ­ dism em ­
berment berment

$1,000 $500

$1, 000

cupational;
occu ­
pational

January 1958

$L ess than $ 7 5 .0 1 ---$75.01 to $ 1 0 0 .0 1 ---$100.01 to $125.01 —
$125.01 to $150.01 —
$150.01 to $175. 01 —
$175. 01 and o v e r -----

(M

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

A fter 30 days'
$1,500
covered em ploy
ment and 30 days'
union m em ber­
ship

July 1958

Additional burial benefit provided.




65

Nonoccupational;
occu ­
pational

$1,500 $750

$1, 500

221
IN S U R A N C E

PLANS

- Continued

ACCIDENT AND SICKNESS 1

Duration of benefits
Cases
covered

P rior to age 65:
k'irst l3 weeks, two-thirds
of average weekly earnings,
thereafter 50 percent of
average weekly earnings
Maximum-— $60 per week

26
weeks
per d is­
ability

60

Extended
coverage

Benefits begin
Daily
benefit

Except
After
age—

Nonoccupational

HOSPITALIZATION

Days

Benefits limited

26 weeks during 1st day
any 12 consecu­
tive months

Semi­
private
room

21 days

m

D ifference between Work­
m en's Compensation benefit
and above amount

Nonoccup&a>
tional

One-half average
weekly wage—
Minimum----$20 per week
Maximum-— $45 per week

13
weeks
per
disa­
bility

60

Available to em ployee after 90 days' employment.

Appendix A .




13 weeks during
any 12 consecu­
tive months

8th day

Extra allowance Per
or service
year

Per
disa­
bility

Emergency
out-patient
care

Employee and dependents

8th day

Age 65 and over:
'erence between above
weekly benefit and Federal
Social Security benefits
Occupational

Daily
amount

Maximum
room and
board
allowance

50 percent
of cost of
sem i­
private
room

Full cost of
specified s e rv ­
ices fo r 1st 21
days; 50percent
of cost for
additional 180
days

Up to $7.25

Employee and dependents

8th day
Up to $14

31 days

$434

Up to $ 70

X

Up to $ 70

Employee with at least 4 weeks but less than 90 days' employment receive benefits required by New York State tem porary disability law.

See

222
SELECTED

Retail, wholesale, and
warehouse industries,
various em ployers
(New York, N. Y . ) *
Retail, W holesale and
Department Store Union,
D istrict 65 (65 Security
Plan)
January 1958

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—

Optional plan A

Optional plan B

Office

Hospi­
tal

E lse ­
where

Maximum
compensation

,
,
i
i
I
p~
— 4—----^-------- 1--------- 1--------------- ----------1------- U
Provided by the Health Insurance Plan of Greater New Y o r k 1
Optional plan B

Maximum schedule allowance Hospital,
TZ5U
T250
o ffice,
home,
elsewhere
Tonsillectom y
Up to 850
Under age 12,
up to $40;
over age 12,
up to $50

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

Maximum sche dule allowance Hospital,
$200
$200
office,

Retail Clerks

Tonsillectom y
Up to $30
Up to $30

home,
elsewhere

Appendectomy
Up to $100
Up to $100

See Appendix B.
F or chronic ailm ents, plan limits the number of visits to 100 during the life of the pla«




Home

Maxi­
M a n -"
mum
mum
number number
days
visits
Sickness Accident
paid
paid
for
for
Benefits begin

Allowance

Optional plan A

Provided by the Health Insurance Plan of Greater New Y o r k 1

Appendectomy
Up to $125------ Up to $125

July 1958

AND

MEDICAL

SURGICAL

COMPANY, UNION,
AND
DATE OF INFORMATION

HEALTH

$4 per
visit

$3 per
visit

$3 per
visit

1st
visit

1st
visit

1 per
day*

223
IN S U R A N C E

PLANS

-

Continued
MEDICAL - Continued

MATERNITY PROVISIONS

Dependents
Allowance
Hospi­ E lse­
Home Office
tal
where

Maximum
compensation

Optional plan A
........... — r
" i-------------- -------------- r—
Provided by the Health Insurance Plan of Greater New Y o rk 1
J----------- 1----------- 1----------- 1 -........................... .......-I_______ I_______ I_______ i___
Optional plan B

1--------------1--------------1------------- 1....................

$4 per
visit

$3 per $3 per
visit
visit

Unlimited

Surgical

Ho spitalization
Benefits begin Maxi­ Maxi­
mum
mum
Other
number number provisions
days
Sick­ A c c i­ visits
paid
paid
ness
dent
fo r
for

1

1st
visit

1st
visit

Accident
and
sickness

Daily
benefit Duraor
tion
service

M edical

Schedule
Maximum
Extra
allowance Amounts
room and allowance Lump
for
and
or
sum normal limitations
board
allowance services
delive ry
Employee and dependent

Regular
benefits
fo r 6
weeks

Employee and dependent:
A fter 10 months

Up to

Optional plan A

$100

Provided by the
Health Insurance
Plan of Greater
New Y o rk 1

1 per
day*

Benefits available to
newly insured

_____ I_____
Optional plan B

(3)

Employee and dependent
_

See Appendix B.
F or chronic ailm ents, plan lim its the number of visits to 100 during the life of the plan.
$100 fo r prenatal ca re, delivery, and postnatal care.




_

_

Up to Up to $75
$140

(*>

Employee and dependent:
Immediately

SELECTED

COMPANY, UNION,
AND
ElATE OF INFORMATION

Dependents of retired employee

R etired employee
Types and amounts
Life insurance

Employee and dependents
Optional plan A

Provided by the Health Insurance Plan of Greater
New Y o rk 2
Retail, Wholesale and
Department Store Union,
D istrict 65 (65 Security Pharm acy and optical service— special rates
Plan)
Optional plan B
January 1958
X -r a y therapy allowance fo r cases in or out of
hospital— $6.5 0 per treatment; maximum— $150
per year

Retiring with 10
years* service:
Amount in effect
imm ediately,
p rio r to re tire ­
ment, less total
retirem ent bene­
fits received from
pension fund or
$1,000, whichever is greater*

Accidental
death and
di smembe r ment

Hospitalization

Surgical

M edical

Same as fo r active
employee

Same as
fo r a c ­
tive
employee

Same as
for a c ­
tive
employee

Life
insurance

H ospitali­
zation

Same as
for r e ­
tired
em ployee

Surgical

M edical

Same as
for r e ­
tired
employee

Same as
for r e ­
tired
employee

A llergy diagnosis (scratch tests) allowance for
cases m or out of hospital— up to $25 during life of
plan
A llergy treatment allowance fo r cases in or out of
hospital— up to $50 per year (if less than 17 treatments— $3 per treatment)
X -r a y and laboratory examination allowance fo r
cases in or out of hospital—
Maximum— $75 p er year
Ambulance allowance fo r transportation from home
to hospital— up to $ 10
Pharm acy and optical serv ices— special rates

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

Poliom yelitis and Asian Flu vaccinations— full
cost

Retail Clerks

Eye glass allowance (for examination and glasses)—
up to $4. 75

July 1958

1 Such benefits as X-ray, anesthesia, and electrocardiogram allowances may be provided under some plans, although not listed here.
EXPLANATORY NOTES.
* See Appendix B.
* Additional burial benefit provided.




AND

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

OTHER BENEFITS 1

Retail, wholesale and
warehouse industries,
various em ployers
(New York, N. Y. )*

H EALTH

Reasons for not listing such benefits are set forth in

225
IN S U R A N C E

PLANS

-

Continued

FINANCING
Benefits fo r
employee
Company
Jointly
only

Benefits for em p loy ee's
dependents

Benefits fo r retired
employee

Company
Employee Company
Employee
Jointly
Jointly
only
only
only
only

X

X

X

X

X

Benefits for dependents
of retired employee

Amount of contribution for—
Benefits fo r employee and dependents

only

Jointly

Employee
only

Employee'

Company

Benefits fo r retired em ployee
and dependents
Employee

Full cost— 5l/a p e r­
cent of monthly
payroll

X

Full cost

1 Financed out of company contributions fo r benefits fo r active em ployee and dependents; see company contributions column fo r benefits fo r em ployee and dependents.




Company
Full c o s t 1

226
SELECTED
ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

Retail drug industry,
various associations and
em ployers
(New York, N. Y .)
R etail, Wholesale and
Department Store Union,
L ocal 1199
February 1958

Amount

If permanently and totally disabled

Amount
Before
age —

Average weekly
Accident and
earnings
sickness benefits:
Immediately or
1st o f following
$30 to $40

Other benefits:
After 1 m onth's
covered em ploy-

60

Length o f coverage
under plan

$

L ess than 1 year

2 to 3 y e a r s _______ _______

(*)

.........

4 to 5 years _

C ases
covered

Insurance is —
Maintained

Paid in—

X

__

F o r 3 months; up
to $2,000 fo r
additional 9
months

—

Insurance

$40 to $ 7 5 -------------L ess than 1 year — _______
1 to 2 y e a r s ------------_______
2 to 3 years _
3 years and o v e r __ _______
$75 and over
L ess than 1 y e a r __ ______

6 to 7 y e a r s _______________
7 years and o v e r __ _____

500
1 ,000
500
1,000
1,500
2,000
500
1,000
1,500
non
2,500
1,000
3,500
4,000

A fter
age 60

Insurance Agents
International Union
February 1958

Im mediately or
1st o f following
month

1 year and over plan
coverage

65

$ 2 r 500.01 _r___ __
to $ 3,5 00 .0 1 _ _____
to $ 4,500.01
to $5,5 00 .0 1 _
to $ 6,5 00 .0 1 _

Insurance
__

__

_ _ _______

$ 5,000
7,000
9,000
11,000
13,000

Until age 65;
then reduced in
same manner as
fo r retired em ­
ployee

__

Includes revision in the accident and sickness benefit effective A pril 1, 1958, and in the m edical benefit, effective October 1, 1958,
Not available if em ployee earns less than $ 30,per week.




Single

__

__

Multi-

Death dism em ­ dism em ­
berment berment

$

500 $
1,000

250

$

500

$40 and over
L ess than 1 year plan
rrw*»-rj»
$ 500 $ 250
1 to 2 y e a rs ' plan
rnvprage
............ 1,000
500
2 to 3 y e a rs ' plan
cnv»ragp
750
1,500
3 years and o ve r plan
2,000 1,000
coverage _
(*)

P rio r to age 65:
Annual earnings
L ess than
$ 2,5 00 .0 1
$ 3,5 00 .0 1
$ 4 ,5 0 0 .0 1
$ 5 ,5 0 0 .0 1
and up

Graduated
according to—

N onoccu- Weekly earnings
pational
$30 to $40
L ess than 1 year plan
(2)

<2>

The Prudential Insurance
Company of A m erica

AND

ACCIDENTAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

New em ployees
becom e
eligible—

HEALTH

500
1,000

$

500
1,000
1,500
2,000

(*)

(*)

(a)

__

__

__

227
IN S U R A N C E

PLANS

- Continued

HOSPIT AL1ZAT ION

ACCIDENT AND SICKNESS

Duration of benefits

Daily

Cases
covered

Nonoccupational

Extended
coverage

Benefits begin

B efore age 65:
Tw o-thirds of average
weekly pay—
Maximum-— $65 p er w eek1

26
weeks
per d is­
ability 1

After
age—

Benefits limited
to—

60

26 weeks during
any 12 con secu­
tive months

Maximum
room and
board
allowance

b e n e fit

Except

Days

1st day

Daily
amount

P er
disa­
bility

Emergency
out-patient
care

Employee and dependents 2

8th day
Sem i­
private
room

Age 65 and over:
D ifference between above
weekly benefit and Federal
Social Security benefits

Extra allowance Per
or service
year

21 days

Up to $10

Full cost of
specified s e rv ­
ice s for 1st 21
days; 50 percent
of cost for addi­
tional 180 days

50 percent
of cost of
sem i­
private
room

Employee and dependents — Nonoccupational disability cases

(3)

(3)

(3)

(3)

(3)

(3)

(3)

Up to $10
(4)

—

—

—

$700

Up to 10 times
rates o f se m i­
private room or
$100, whichever
is less

—

X

Up to 10 tim es rate
o f semiprivate
room o r $ 100,
whichever is less

Employee only — Occupational disability cases
----------------- 1------------------ |--------- ,------------------ |------------------ 1----------------------------1---------|------------- 1--------------------------D ifference, if any, between benefits provided through W orkm en's Compensation o r other Federal or
State program to which em ployer contributes and the above benefits

If disability occurs within first 30 days' employment, benefit is 50 percent of average weekly pay (maximum— $45) for 20 weeks.
Not available if em ployee earns $25 or less per week.
No accident and sickness insurance benefit provided by plan; em ployees covered by paid sick-leave plan.
Up to $10 or standard rate of sem iprivate room , whichever is le ss ; however, if standard rate of sem iprivate room is less than $7, allowance will be up to $7 for each day in hospital.




228
s e l e c t e d

h e a lth

an d

MEDICAL
COMPANY, UNION,
AND
DATE OF INFORMATION

Retail drug industry,
various associations
and em ployers
(New York, N. Y .)
R etail, W holesale, and
Department Store Union,
Local 1199
February 1958

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

Operation schedule—
selected allowances

Employee
C overs
cases

Employee

Dependents

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

Up to
$5 per
day

Maximum schedule allowance Hospital,
$225
$150
o ffice , home,
elsew here
Tonsillcictomy
Up to $45
Up to $30
(2)

Up to
$3 per
day

Maxi­
Maxi­
mum
mum
number number
visits
days
Sickness Accident
paid
paid
for
for
Benefits begin

Allow ance

H ospi­
tal

E ls e ­
where

Up to
$5 per
day

Up to
$5 per

(3,4)

(3 ,4 )

day

Maximum
compensation

$300 per disability
(3, 4)

2d day

2d day

(3. 4)

(3.4)

(3. 4)

Appendectomy
Up to $ 150
Up to $ 100
(3. 3)

(3,3)

(l)

The Prudential Insurance
Company of A m erica
Insurance Agents
International Union
February 1958

Hospital,
Nonoccupational disability
o ffic e , hom e,
cases
Maximum schedule allowance elsew here
$225
Tons illec tom y
Up to $60
Child, up to
$40; w ife, up
to $60
Appendec tomy
Up to $150
Up 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

8th day

__

Occupational disability cases

------------------- ,---------]---------r;------- 1--------- 1------------------------ 1--------- 1---------1---------1--D ifference, if any, between benefits provided through W orkm en's Compensation or other F ederal o r State
program to which em ployer contributes and above benefits

Occupational disability
cases
D ifferen ce, if
any, between
benefits p ro ­
vided through
W orkm en's
Compensation
o r other F ed ­
eral o r State
program to
which em ploy­
er contributes
and above
benefits

effective October 1, 1958.
Includes revisions in the accident and sickness benefit effective A pril 1, 1958, and in the m edical benef
Not available to em ployee earning less than $37. 50 per week.
Health Insurance Plan of Greater New York and paying part o f the c o s t.
In lieu of cash surgical and m edical benefits, em ployee may obtain surgical and m edical benefits by joining «■
Not available to em ployee earning less than $50 per week.




2t29
IN S U R A N C E

P L A N S - Continued

MEDICAL - Continued

MATERNITY PROVISIONS

Dependents

Office

Hospi­ E lse­
tal
where

Maximum
compensation

Up to
Up to Up to Up to
$300 per disability
$5 per $3 per $ 5 per $5 per
(!.2 )
day
day
day
day

0’ 2)

(1.2) (L2)

Surgical

Hospitalization
Benefits begin Maxi­ Maxi­
mum
mum
Other
number numbe r ]provisions
Sick­ A c c i­ visits
days
ness
dent
paid
paid
for
for
,d day 2d day

(1.2)

(1.2)

(1.2)

(1.2)

(1.2)

Accident
and
sickness

Regular
benefits
fo r 6 weeks

Daily
benefit Dura­
tion
or
service

Medical

Schedule
Extra
Maximum
allowance Amounts
room and allowance Lump
and
for
sum
or
board
normal limitations
allowance services
delivery
Employee and dependent

Benefits available to
newly insured

Employee and dependent:
Immediately

Up to Up to $85

(1.2)

$100

(1.4)

(3)

Employee
only:
Entitled to
3 visits
within 3
days after
returning
to work

Employee and dependent

(4)

n

Employee and dependent:
If pregnancy com m ences while
insured

Up to Up to $75

$100

In lieu of cash m edical and surgical benefits, employee may obtain surgical and m edical benefits by joining the Health Insurance Plan o f Greater New York and paying part o f the co s t.
Not available to em ployee earning less than $50 per week.
Not available to em ployee earning $25 or less per week.
Not available to em ployee earning less than $37.50 per week.




230
SELECTED

COMPANY, UNION,
AND
DATE OF INFORMATION

Dependents of retired em ployee

R etired employee
Types and amounts
Life insurance

Employee and dependents

AND

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

OTHER BENEFITS 1

R etail drug industry,
various associations
and em ployers
(New York, N. Y .)

HEALTH

Accidental
death and
dismemberment

Hospitalization

Surgical

Same as for active
employee

Same as
fo r active
employee

Same as for active
em ployee but lim ­
ited after age
65 to $700 fo r
room and board
and $100 fo r extra
services

Same as
fo r active
employee
but lim ­
ited after
age 65 to
$225

$500

Life
M edical ' insurance

(3)

Optical, dental, X -r a y , and blood bank services—
available at special rates

H ospitali­
zation

Surgical

Same as
Same as
for retired tor
employee
retired
employee

M edical

(3)

R etail, W holesale, and
Department Store
Union, Local 1199
February 1958
(2)

The Prudential Insurance
Company of A m erica
Insurance Agents
International Union
February 1958

Em ployee and dependents

Same as for
active em ployee
until firs t of '
month following
P olio allowance— 80 percent o f expenses incurred
and not covered by other plan benefits during 3 -year attainment of age
period following date o f firs t treatment; maximum— 65; then reduced
$5,000
20 percent and by
like amount annu­
ally thereafter
M ajor m edical expense benefit-—80 percent o f exuntil amount in
penses not covered by other plan benefits incurred
effect equals
during each benefit year which is in excess o f
"deductible": m aximum — $ 10., 000 per person during $ l ,0 0 0 r
his lifetim e 4

( 6)

( 6)

Same as
Same as
fo r retired fo r
retired
em ployee
em ployee
( 6)
(6)

(*)

( 6)

________________ 1
1 Such benefits as X -r a y , anesthesia,and electrocardiogram allowances mav be provided under some plans, although not listed h ere. Reasons fo r not listing such benefits are set forth in
EXPLANATORY NOTES.
f Includes revisions in the accident and sickness benefit, effective April 1, 1958, and m edical benefit effective October 1, 1958.
M
.
. . .
M edical benefits are extended only to retired em ployee and his dependents who were covered by benefits provided by the Health Insurance Plan of Greater New York p rior to retirem ent; m edical
coverage fo r em ployee and dependents covered by cash m edical benefits provided by the Fund p rior to retirem ent ceases upon retirem ent.
*
T
r
..
.
A 'benefit year is a 12-month period beginning day firs t charge included in the "deductible" o ccu rred . The "deductible" v a ries, according to earnings, from $50 to $250. In case o f occupational
disability of em ployee, benefits received under W orkm en's Compensation reduce the eligible expenses under this program .
Employees retiring prior to age 65 may, at any tim e, have his insurance reduced to $1,0 00 , at which time his contribution ce a s e s.
M ajor m edical benefit provided retired worker and dependent until retired w orker reaches age 70; coverage same as fo r active worker but lim ited after age o5 to !t>2,UU .




231
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232
SELECTED
ELIGIBILITY
REQUIREMENTS
COMPANY, UNION,
AND
DATE OF INFORMATION

Amount

If permanently and totally disabled
Amount
B efore
age—

Insurance is—
Maintained

Realty A dvisory Board
on Labor Relations
(New York, N. Y .)

$1,000

60

X

A ccident and
$1,000
sickness benefits:
A fter 4 weeks'
covered em ploy­
ment

60

X

After 30 days'
employment

AND

ACCIDENTAL DEATH AND DISMEMBERMENT

LIFE INSURANCE

New em ployees
becom e
eligible—

HEALTH

C ases
covered

Paid in—

Graduated
according to—

Multi­
Single
Death dism em ­ dism em ­
berment berment

Building Service
Em ployees
February 1958

Hotel A ssociation of
New York City, Inc,
New York Hotel Trades
Council
February 1958

Other benefits:
After 4 months'
covered em ploy­
ment and 6
m onths' union
m em bership

Laundry industry,
various em ployers

1st of month fo l ­
lowing 30 days'
employment and
union m em ber­
ship

Laundry, Dry Cleaning,
and Dye House W orkers
National plan
March 1958




$ 1,000

70

X

N onoccupational;
occupa­
tional

$1,000 $500

$1,000

N onoccupational

$2,500 $1,250

$2,500

233
IN S U R A N C E

PLANS

- Continued

HOSPITALIZATION

ACCIDENT AND SICKNESS

Duration of benefits
Cases
covered

Daily
benefit
or
service

Except
A fter

Extended
coverage

Benefits begin

Benefits limited

Maximum
room and
board
allowance

Duration
Days

Daily
amount

Extra allowance Per
or service
year

P er
d isa­
bility

Em ergency
out-patient
care

Employee and dependents

(l)

(l)

(l>

Nonoccupational

Nonoccupational

$27 per week

20

(x)

(M

1st day

S em iprivate
room

13
weeks
per d is ­
ability

__

50 percent
of cost of
se m iprivate
room

21 days

180

__

50 percent
of co st of
s e m i­
private
room

__

X

Up to $ 7.2 5

Full cost of
specified s e rv ­
ice s for 1st 21
days; 50 percent
of co st for addi­
tional 180 days

__

X

Up to $ 7.2 5

Employee only

8th day
o r 1st in
hospital
Up to $12

70 days

—

$840

No accident and sickness insurance benefit provided under plan; em ployees covered by the New York State tem porary disability law.




Full cost o f
specified s e rv ­
ice s fo r 1st 21
days; 50 percent
of cost for addi­
tional 180 days

Employee and dependents
Sem iprivate
room

1st day

180

8th day

weeks
per d is ­
ability

$10 per week

21 days

Up to $ 120

See Appendix A .

Up to $ 120

234




SEJLffiCTTEID)

EBKAJLTTffl

A. BPHD

m u n u k iv c J E

A va ila b le o n ly to e m p lo y e e in s u r e d fo r l if e , a ccid e n ta l death and d is m e m b e rm e n t, and h osp ita liza tion ,
See A ppendix E .




236
SELECTED

HEALTH

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

O TH ER B E N E F IT S 1
CO M PA N Y , UNION,
AND
D A TE OF INFORM ATION

Dependents of retired employee

Retired employee
Types and amounts
Life insurance

R e a lty A d v is o r y B o a rd
on L a b o r R ela tio n s
(New Y o r k , N . Y .)

Accidental
death and
di smemDe r ment

Hospitalization

( 2)

Surgical

Medical

Life
insurance

Hospitali­
zation

Surgical

Medical

( 2)

B u ildin g S e r v ic e
E m p lo y e e s
F e b ru a r y 1958

H otel A s s o c ia t io n o f
N ew Y o r k City, In c.
New Y o r k H otel T ra d e s
C ou n cil

E m p lo y e e on ly
P r o v id e d b y New Y o rk H otel T r a d e s C o u n cil and
H otel A s s o c ia t io n o f Ifew Y o r k C it y , In c. , H ealth
C en ter 3

F e b ru a r y 1958

L a u n dry in d u stry ,
v a rio u s e m p lo y e r s

E m p lo y e e on ly

L a u n d ry, D ry C lean in g,
and Dye H ouse W ork ers
N ational plan

P o lio allow an ce— up to $ 5 ,0 0 0 fo r e x p e n se s in c u r r e d w ithin 3 y e a r s a fte r date o f c o n tr a c tio n , in
lie u o f all oth er plan b e n e fits

M a rch 1958

D ia gn ostic X - r a y and la b o r a to r y exam ination a llo w ance (fo r all exam in ation s p e r fo rm e d within 26
w eeks o f co m m e n ce m e n t o f a c c id e n t o r s ick n e s s )—
up to $50 f o r any 1 a ccid e n t o r f o r a ll s ic k n e s s e s
per year

A g e 65, plan
c o v e r a g e , and 20
y e a r s ' union
m e m b e r sh ip :
$500

1 Such b e n e fits as X - r a y , an esth esia,an d e le c t r o c a r d io g r a m a llow an ces m ay b e p ro v id e d under so m e pla n s, although not lis t e d h e r e . R e a s o n s f o r not lis tin g su ch b e n e fits a r e s e t fo rth in
E X P L A N A T O R Y N OTES.
2 An em p lo y e e w hose e m p lo y m e n t te rm in a te s on o r a fter M arch 1, 1958, who is at le a s t 65 y e a r s o f age w ith at le a s t 10 y e a r s ' su bstan tially contin uous s e r v ic e , and who c o n v e r ts his grou p
h o s p ita liz a tio n c o v e r a g e to d ir e c t c o v e r a g e f o r h im s e lf and h is dependents w ill be e lig ib le f o r such co v e r a g e fo r 1 y e a r a fte r te rm in a tio n o f em p loym en t at not ex p en se to h im .
3 See A ppendix E .




AND

237
INSURANCE

PLANS

- Continued

FINANCING
Benefits for
employee

Benefits for em ployee's
dependents

Benefits for retired
employee

Benefits for dependents
of retired employee

Amount of contribution for
Benefits for employee and dependents

Company
Jointly
only

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

X

x

(M

(M

Employee

Company

Full cost— $20.25 per
quarter

Benefits for retired employee
_________ and dependents__________
Employee

Company

Full c o s t 1

Full cost— 3 .2 5 per­
cent of payroll

. „ . * Applicable for 1 year to employee and dependents if em ployee's employment terminates on or after March 1, 1958, who is at least 65 years of age with at least 10 years' substantially continuous
service, and who converts his group hospitalization coverage to direct coverage.
7




S IS




SffiJLflECTTfflnD M O ILTTffl 4MSUB

W eekly earn in gs
L e s s than $ 50
$50 to $75 —
$ 75 and o v e r

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

239
INSURANCE

PLANS

-

Continued

ACCIDENT AND SICKNESS

Duration of benefits
C ases
covered

50 percent of weekly wageMinimum— $10 per week
Maximum— $50 per week

A c ci­
dent:
13 weeks
per
year
Sick­
ness:
13 weeks
per
year

Benefits limited

Extended
coverage

Benefits begin
Daily
benefit

Except
After
age—

Nonoccupational

HOSPITALIZATION

room

Days

Accident

7th day
retro­
active to
1st

14th day
retro­
active to
8th
Up to $9

Daily
amount

Extra allowance Per
or service
year

Per
disa­
bility

Employee and dependents

Accident:
3T"arys

Accident:
1Z 79------

Sickness:
31 days

Sickness:

Basic room and board allowance up to stipulated maximums per year; extra allowance of up to $50 per disability.




Maximum
and
board
allowance

Up to $50

(*)

(*)

Emergency
out-patient
care

240
SELECTED

HEALTH

AND

MEDICAL

COM PANY, UNION,
AND
DATE OF INFORMATION

Laundry in du stry,
v a riou s e m p lo y e r s
(New Y ork , N. Y . )*
C lothing W ork ers
M ay 1958

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

Employee

Operation schedule—
selected allowances
Covers
cases
E m p lo y e e

D ependents

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

M axim um sch ed u le a llow an ce H osp ital,
$200
$200
o f fic e , h o m e ,
e ls e w h e r e
T o n s ille c to m y
Up to $30
Up to $30
A p p e n d e cto m y
Up to $100
Up to $100

A m b u la to ry patients a r e p ro v id e d f r e e d ia g n o s tic, th e ra p e u tic, and p re v e n tiv e m e d ic a l c a r e .




Hospi­
tal

Maxi­
Maxi­
mum
mum
number number
visits
days
Sickness Accident
paid
paid
for
for
Benefits begin

Allowance
E lse ­
where

Maximum
compensation

Provided by the Amalgamated Laundry Workers Health C enter1

241
IN S U R A N C E

PLANS

- Continued

MEDICAL - Continued

MATERNITY PROVISIONS

Dependents

Hospitalization
Maxi- Maximum
mura
Other
number number)]provisions
A c c i­ visits
days
paid
dent
paid
for
for

Benefits begin
Hospi­

Office

tal

E lse­
where

Maximum
compensation

Sick­
ness

Provided by the Amalgamated Laundry W orkers Health C enter1

Accident
and
sickness

Daily
benefit Dura­
tion
service

Surgical

Nonworking wives who are ambulatory patients are provided fre e diagnostic, therapeutic, and preventive m edical care.

Benefits available to
newly insured

Employee and dependent:
A fter b months

Employee and dependent
$50




Medical

Schedule
Extra
Maximum
allowance Amounts
room and allowance Lump
and
for
sum normal limitation)
board
allowance
delivery

242
SELECTED

COMPANY, UNION,
AND
DATE OF INFORMATION
Types and amounts
Life insurance

Clothing W orkers

Dependents o f retired em ployee

R etired em ployee

Employee and dependents

AND

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

OTHER BENEFITS

Laundry industry,
various em ployers
(New York, N. Y. )*

HEALTH

Accidental
death and
dism em berment

H ospitalisation

Surgical

M edical

Life
insurance

H ospitali­
sation

Surgical

M edical

$500

Provided by the Amalgamated Laundry W orkers
Health Center1

May 1958

1 Employees and nonworking wives who are ambulatory patients are p rov i^ ri fr -e diagnostic, therapeutic, and preventive m e d ic a lca re . P rescrip tions fo r drugs are filled at c o s t at the health
cen ter's pharmacy.




243
IN S U R A N C E

PLANS

- Continued

FINANCING
Benefit* fo r
em ployee

Benefits for em p loy ee's
dependents

Benefits fo r retired
employee

Benefits fo r dependents
of retired em ployee

Amount of contribution fo r—
Benefits fo r employee and dependents

Company
Jointly
only

X




Company
Jointly
only

X

only

only

X

Employee Company
Employee
Jointly
Jointly
only
only
only

Employee

Company
Full cost— 2 percent
of payroll.

Benefits fo r retired em ployee
and dependents
Employee

Company
Full cost




245

Appendix A
Temporary Disability Insurance

T e m p o r a r y D is a b ility In su ra n ce
In 1958, fou r States had statutes p rov id in g p r o te c tio n fr o m
lo s s o f w ag es b e c a u se o f te m p o r a r y d is a b ility a r is in g out o f n o n o c c u pational c a u s e s . The f ir s t o f th ese law s w as en acted by R hode Islan d
in May 1942. B en efits b e c a m e payable on A p r il 1, 1943.
C a lifo r n ia 's
p r o g r a m w as adopted in M ay 1946, New J e r se y * s in June 1948, and New
Y o r k 's in A p r il 1949.
The R a ilr o a d U n em ploym ent In su ra n ce A c t
(Ju ly 1946) p r o v id e d te m p o r a r y d is a b ility b en efits to r a ilr o a d w o r k e r s .
In C a lifo r n ia , N ew J e r s e y , R hode Islan d and under the r a i l ­
roa d a c t, the te m p o r a r y d is a b ility in su ra n ce p r o g r a m s a re c o o r ­
dinated w ith u nem ploym en t in su ra n ce and a re a d m in iste re d by the
sam e a g en cy .
The r a ilr o a d p r o g r a m is a d m in iste re d by the R a il­
r o a d R e tir e m e n t B o^ rd ; the oth er th ree by State em p loy m en t s e c u r it y
a g e n c ie s .
In th ese c a s e s , u n em ploym en t and te m p o r a r y d is a b ility
in su ra n ce c o v e r the sa m e w o r k e r s and e m p lo y e r s .
The New Y o rk
te m p o r a r y d is a b ility statute is a d m in is te re d by the State W ork m en 's
C om p en sa tion B oa rd and c o v e r a g e d iffe r s fr o m that under u n em p loy ­
m en t in su ra n ce .
B r ie f d e s c r ip tio n s o f the b en efits p r o v id e d e m p lo y e d w o rk e r s
by th ese te m p o r a r y d is a b ility in su ra n ce statutes a re p re se n te d b elow .
A lthough the p r o g r a m s a ls o p ro v id e b en efits to d is a b le d u nem ployed
w o r k e r s , the p r o v is io n s re la tin g to this group on ly a r e not d e s c r ib e d
h e re . M o re d eta iled in fo rm a tio n re la tin g to te m p o ra ry d is a b ility in ­
su ra n ce statutes and the e x p e r ie n c e o f the op era tin g p r o g r a m s are
con ta in ed in p u b lica tion s o f the U. S. D epartm en t o f L a b o r 's B u reau
o f E m p loy m en t S e cu rity .
C a lifo r n ia
Type o f plan . — C a lifo r n ia o p e ra te s a State fund w ith p r o v i­
sion s fo r su bstitu tin g p riv a te te m p o r a r y d is a b ilit y plans when both
e m p lo y e r and a m a jo r ity o f e m p lo y e e s a g r e e . An in dividu al w o r k e r ,
h o w e v e r, m ay r e je c t the p riv a te plan fo r c o v e r a g e by the State fund.
The p riv a te plan m u st su pply b en efits equal in a ll r e s p e c t s , and su p e ­
r io r in at le a s t on e, to the State fund.
F in a n cin g . — One p e r ce n t o f the f ir s t $ 3 ,6 0 0 o f annual w ages
is paid by e m p lo y e e s c o v e r e d by the State D is a b ility Fund; no c o n t r ib u ­
tion is m ade by e m p lo y e r s . In the c a s e o f p riv a te p la n s, no e m p lo y e e
m ay be ch a rg e d m o r e than 1 p e r c e n t o f the f ir s t $ 3 ,6 0 0 o f annual
w a g e s; the e m p lo y e r pays any rem a in in g c o s t .
B en efit fo r m u la . — W eek ly ben efits ran ge fr o m $10 to $50 and
a r e d e te rm in e d by a sch ed u le o f h ig h -q u a r te r e a rn in g s. The m a xim u m
du ration is 26 w eeks p e r d is a b ility .
B en efit paym en ts sta rt a fte r
7 c o n s e c u tiv e days o f d is a b ility at the beginning o f ea ch u nin terrupted
p e r io d o f d is a b ility . U n in terru pted p e r io d s a re c o n s e c u tiv e p e r io d s o f
d is a b ility ow ing to the sa m e o r re la te d c a u s e s and not se p a ra te d by




m o r e than 14 d a y s. This w aitin g p e r io d o r any u n ex p ired p o r tio n o f
it is w a iv ed upon en try into a h osp ita l f o r a fu ll day o f c o n fin e m e n t.
F o r ea ch day o f d is a b ility in e x c e s s o f 7, b en efits a re paid at a ra te o f
o n e -s e v e n th o f the w eek ly am ount.
T o q u a lify fo r b e n e fits , a w o r k e r m u st ea rn a m in im u m o f
$3 00 during his b a se p e r io d . The b a se p e r io d is d efin ed as the fir s t
4 o f the la s t 5 ca le n d a r q u a r te r s p e r ce d in g d is a b ility begin ning in the
se co n d or th ird m onth o f a q u a r te r . It is the f ir s t 4 o f the la s t 6 c a l ­
en dar q u a rte rs p r e ce d in g d is a b ility beginning in the fir s t m onth o f a
q u a r te r .
In c a s e s w h ere a w o r k e r is r e c e iv in g w o rk m e n 's c o m p e n ­
sa tion fo r a te m p o r a r y d is a b ility w h ich is le s s than the am ount he
w ould r e c e iv e fo r the sam e d is a b ility under the te m p o r a r y d is a b ility
statute, he is en titled to the d iffe r e n c e . When the w o r k -c o n n e c te d in ­
ju r y is oth er than te m p o r a r y , fu ll n on occu p a tion a l d is a b ility b en efits
a r e p ro v id e d . A w o rk e r r e c e iv in g p a rtia l w ages w hile not w ork in g is
e lig ib le fo r ben efits if the c o m b in e d w ag es and b en efits do not e x ce e d
w ages p r io r to the d is a b ility .
No paym ents a re p r o v id e d in c a s e s o f illn e s s o r in ju ry c a u se d
by o r a r is in g out o f p reg n a n cy up to the te rm in a tio n o f the p reg n a n cy
and 28 days th e r e a fte r .
New J e r s e y
T ype o f plan . — A State fund is op e ra te d by New J e r s e y , but
p r o v is io n is m ade fo r su b stitu tion o f p riv a te te m p o r a r y d is a b ilit y plans
w hen the b en efits p r o v id e d a r e equal to o r b e tte r than th ose p r o v id e d
by the State fund and when a m a jo r ity o f the w o r k e r s in an e s t a b lis h ­
m ent e le c t c o v e r a g e by the priv ate plan, o r when an e m p lo y e r is w ill­
ing to a ssu m e the e n tire c o s t o f b e n e fits.
F in a n cin g . — W o rk e rs c o v e r e d by the State plan pay 0. 5 p e r ­
cen t o f the” f ir s F ^ 3 , 000 o f annual e a rn in g s; e m p lo y e r s n o r m a lly pay a
b a sic 0. 25 p e r ce n t on the fir s t $ 3 ,0 0 0 . The e m p lo y e e s co n trib u tio n
m ay be v a r ie d betw een the lim its o f 0. 75 p e r c e n t and 0. 1 p e r c e n t, d e ­
pending on the f i r m 's e x p e rie n c e ratin g. W o r k e rs c o v e r e d by p riv a te
plans cannot be a s s e s s e d m o r e than 0. 5 p e r c e n t o f the fir s t $ 3 , 000 o f
annual e a r n in g s. E m p lo y e rs pay any rem a in in g c o s t .
B en efit fo r m u la . — T o q u a lify fo r b en e fits, 17 ba se w eek s o f
em p loy m en t a r e r e q u ire d in the 52 w eeks p r e ce d in g the w eek in w hich
the d is a b ility b e g in s.
A b a se w eek is a w eek in w hich w ag es fr o m
1 e m p lo y e r a re $15 o r m o r e . W eek ly b en efits a re com p u ted at tw oth ird s o f the f ir s t $ 4 5 , plus tw o -fifth s o f the r e m a in d e r o f the a v e ra g e
w eek ly w age, w ith a m in im u m o f $ 1 0 and a m a xim u m o f $ 3 5 . The
a v e r a g e w e e k ly w ag e fo r em p loy ed w o r k e r s is d e te rm in e d by adding all
of the w ages fr o m 1 e m p lo y e r du ring the b a se w eeks in the 8 w eeks
p r e c e d in g d is a b ility and divid in g by the n u m ber o f su ch w e e k s. If this

246
is le s s than the a v e r a g e w age obtain ed by u sin g a ll earn in g s fr o m all
e m p lo y e r s du ring the 8 w eeks p r e ce d in g d is a b ility , then a ll earn in gs
are u sed.
B en efits a re payable up to a m a xim u m o f fr o m 13 to 26 w eeks
fo r em p loy ed w o rk e r s du ring a 12 -m on th p e r io d . M axim u m paym ents
a re com p u ted as the l e s s e r o f 26 tim e s the w eek ly b en efit o r t h r e e fou rth s o f the w ages in the ba se w e e k s. F o r e m p lo y e d w o r k e r s , the
b a se p e r io d is 52 w eeks p r e ce d in g the w eek in w hich the d is a b il­
ity began.
P aym en ts c o m m e n c e a fte r a w aiting p e r io d o f 7 days at the
beginning o f an u n in terru pted p e r io d o f d is a b ility . A n u nin terrupted
p e r io d o f d is a b ility is d efin ed as c o n s e c u tiv e p e r io d s o f d is a b ility w hich
is due to the sa m e or r e la te d c a u s e s and se p a ra te d by not m o r e than
14 d a ys, if the in dividu al e a rn ed w ag es fr o m h is la s t e m p lo y e r during
the 1 4 -d ay p e r io d . F o r each day o f d is a b ility in e x c e s s o f 7, b en efits
a r e paid at a ra te o f o n e -s e v e n th o f the w eek ly am ount. P a y m en ts fo r
p a rt w eeks a re roun ded to the next h igh est d o lla r .
A w o rk e r is e lig ib le fo r b en efits ev en though r e c e iv in g w ages
w hile not w ork in g p r o v id e d the co m b in e d sum d oes not e x c e e d his
w ages p r io r to d is a b ility .
P ay m en ts a r e not m ade fo r d is a b ility w h ich is due to p r e g ­
n an cy, ch ild b irth , m is c a r r ia g e , or a b o rtio n s . S e lf-in flic t e d in ju rie s
and in ju rie s s u ffe r e d w hile p erp etra tin g high m is d e m e a n o rs a re a ls o
e x clu d ed .

B en efits m u st be at le a s t eq u ivalen t to sta tu tory b e n e fits .
B en efits re la te d to d is a b ility (h o sp ita liza tio n , s u r g ic a l, e t c .) o f the
in dividu al m ay be su bstitu ted f o r c a s h w age lo s s b e n e fits , a c c o r d in g to
a table o f eq u iv a len ts; c a s h b en efits m u st, h o w e v e r, be at le a s t 60 p e r ­
cen t o f th ose in the sta tu tory sch e d u le .
P r iv a te plans e x is tin g w hen
the d is a b ility law w as en a cted m ay continue du rin g the p e r io d o f the
c o n t r a c t and m ay be exten d ed by c o lle c t iv e b a rg a in in g a g r e e m e n t w ith ­
out m eetin g sta tu tory c o n d itio n s.
In New Y o rk , ben efits a re not payable f o r any day fo r w h ich
the w o r k e r is en titled to r e m u n e ra tio n equal to the b e n e fits. T h is d oes
not ap ply to v olu n ta ry aid fr o m the e m p lo y e r .
W o r k e r s a r e n ot e l i ­
g ible f o r ben efits f o r any p e r io d in w h ich w o rk m e n ’ s co m p e n sa tio n is
p a y a b le, oth er than p erm a n en t p a rtia l ben efits fo r a p r io r d is a b ility .
B en efits a r e not payable f o r d is a b ility con d ition s a r is in g out
o f p reg n a n cy e x ce p t a fte r a retu rn to c o v e r e d em p loy m en t f o r at le a s t
2 c o n s e c u tiv e w eeks fo llo w in g te rm in a tio n o f p re g n a n cy . S e lf-in flic t e d
in ju ry o r illn e s s , o r in ju ry su stain ed in the p e r p e tr a tio n o f an i l l e ­
gal a c t, o r d is a b ility w h ich is due to any a ct o f w ar o c c u r r in g a fte r
June 30, 1950, a r e a ls o ex clu d e d .
R h ode Islan d
T ype o f pla n . — R hode Islan d has an e x c lu s iv e State fund w ith
no p r o v is io n s fo r the su bstitu tion o f p riv a te te m p o r a r y d is a b ility plan s.
F in a n cin g . — An e m p lo y e e co n trib u tio n o f 1 p e r ce n t o f the fir s t
$ 3 ,6 0 0 o f annual w a g es is r e q u ir e d .
E m p lo y e r s do not co n trib u te to
the fund.

New York
tiv es
b ility
E ach
or a

T ype o f plan . — In N ew Y o r k , e m p lo y e r s have the a lte r n a ­
o f c o v e r a g e under an in su ra n ce c om p a n y p o lic y , a State D is a ­
Fund p o lic y , o r they m a y obtain a p p rov a l fo r s e lf in su ra n ce .
esta b lish m en t c a r r ie s its own r is k s w hether under the State fund
p riv a te plan.

F in a n cin g . — U nder the New Y o r k la w , e m p lo y e e s pay 0. 5 p e r ­
cen t o f the f ir s t $60 o f w e e k ly w a g e s , not to e x c e e d 30 ce n ts p e r w eek.
E m p lo y e rs pay any rem a in in g c o s t .
B e n efit fo r m u la . — W eek ly ben efits a re com p u ted as o n e -h a lf
o f the a v e r a g e w eek ly w ag e, su b je c t to a m a xim u m o f $4 5 and a m in i­
m u m o f e ith e r $20 o r the a v e r a g e w eek ly w age, w h ich e v e r is le s s .
The m a xim u m du ra tion fo r b en efits is 20 w eek s in any 52 c o n s e c u tiv e
w e e k s.
A 7 -d a y w aitin g p e r io d is r e q u ir e d at the begin ning o f ea ch
u nin terru pted p e r io d o f d is a b ility . A n u n in terru pted p e r io d in clu d es
a ll p e r io d s o f d is a b ilit y ca u se d b y the sa m e o r r e la te d in ju ry o r s ic k ­
n e s s , i f not se p a r a te d by m o r e than 3 m on th s.
T o q u a lify fo r b e n e fits , e m p lo y e d w o r k e r s m u st have had 4 o r
m o r e c o n s e c u tiv e w eek s o f c o v e r e d em p loym en t (o r 25 days r e g u la r
em p loym en t) p r io r to co m m e n c e m e n t o f the d is a b ility .




B en efit fo r m u la . — The b en efit fo r m u la in R hode Islan d is the
sam e as fo r u nem ploym en t in su r a n ce .
The w eek ly b e n e fit is d e t e r ­
m in ed by a ta ble p r o v id e d in the statute and a v e r a g e s about on e-tw entieth
of the h igh est q u a rte r earn in g s during the ba se p e r io d , roun ded to the
n e a r e s t d o lla r - A b a se p e r io d c o n s is t s o f the la s t 4 c a le n d a r q u a rte rs
p r e ce d in g the b en efit y e a r . A b en efit y e a r begin s w ith a v a lid c la im
f o r d is a b ility b e n e fits.
Q u a lify in g w ag es du ring the b a se p e r io d a r e
30 tim es the w o r k e r ’ s w eek ly b en efit am ount in c o v e r e d em p loy m en t.
The w eek ly b en efit ra n ges fr o m $1 0 to $ 3 0 . The du ra tion is
b a se d on a sch ed u le o f total b a se p e r io d ea rn in g s in c o v e r e d e m p lo y ­
m ent and ran ges fr o m $ 1 0 4 fo r ba se p e r io d w ag es o f $ 3 0 0 to $ 4 0 0 , up
to $7 8 0 fo r w ages o f $ 2 ,9 0 0 o r m o r e . In te r m s o f w eek s o f d is a b ility ,
d u ra tion ran ges fr o m slig h tly m o r e than 7 w eek s up to 26 w e e k s.

T h e re is a w aitin g p e r io d o f a c a le n d a r w eek o f d is a b ility r e ­
q u ire d to q u a lify fo r b e n e fits , e x ce p t in p re g n a n cy c a s e s ; h o w e v e r,
w h ere the d is a b ility o c c u r s on the la s t r e g u la r w ork in g day o f a w eek ,
that w eek is c o n s id e r e d as the w aitin g p e r io d .
B en efits a r e pa id fo r
p a rt o f a w eek ’ s d is a b ility , fo llo w in g 2 co m p e n s a b le w eeks in w h ich
b en efits w e r e p a id, at a rate o f o n e -fifth o f the w eek ly am ount f o r ea ch
w eekday up to fo u r -fift h s o f the w e e k ly b e n e fits , rou n ded to the next
h igh est d o lla r .

247
m a y r e c e iv e c o m b in e d w orkm en*s co m p e n sa tio n and
up to 85 p e r ce n t o f h is a v e r a g e w eek ly w age on his
co m b in e d paym en ts do not e x c e e d $ 5 8 . He is e l i ­
r e c e iv in g r e g u la r w ages o r a p a rt t h e r e o f w hile

B en efit fo r m u la . — B en efit paym en ts a re b a sed on annual
ea rn in g s in a c c o r d a n c e w ith a sch ed u le se t fo r th in the a c t. The d a ily
b e n e fit am ount ra n g es fr o m $ 3 . 50 to $ 8 . 50. Q u a lify in g w ag es du ring
the ba se p e r io d m u st equ al $4 00 . The m a xim u m d u ra tion o f b e n e fits
is 26 w e e k s, p r o v id e d the b en efits do not e x c e e d the b a se p e r io d w a g e s.

B en efits fo r p reg n a n cy a r e lim ite d to 12 c o n s e cu tiv e w eeks
beginning 6 w eeks p r io r to e x p e cte d c h ild b irth and ending not m o r e
than 6 w eeks fo llo w in g c h ild b irth , e x ce p t fo r unusual c o m p lic a tio n s .

F o r the f ir s t p e r io d o f d is a b ility in a b en efit y e a r , b en efits
a r e paid fo r days o f d is a b ility in e x c e s s o f 7. F o r su bsequ en t p e r io d s
o f d is a b ility in the sa m e b en efit y e a r , days o f s ick n e s s in e x c e s s o f
4 a re c o m p e n s a b le , e x ce p t in p reg n a n cy c a s e s .

Railroads

A w o r k e r w ho r e c e iv e s w ag es though not w ork in g is not e l i ­
gible f o r b e n e fits . In c a s e s w h ere a w o r k e r is r e c e iv in g an am ount fo r
w o r k m e n s co m p e n sa tio n w h ich is le s s than the am ount he w ou ld r e ­
c e iv e under the te m p o r a r y d is a b ility statute, he is en titled to the
d iffe r e n c e .

A w ork er
d is a b ility ben efits
la s t jo b , p r o v id e d
gible ev en though
not w ork in g .

Type o f p la n .— T e m p o r a r y d is a b ility ben efits a r e p ro v id e d
under the R a ilr o a d U n em ploym en t In su ra n ce A c t to q u a lifie d r a ilr o a d
w o rk e r s under a u n iform n ationw ide sy s te m . P ay m en ts a r e m ade fr o m
a s p e c ia l G overn m en t fund o p e ra te d e x c lu s iv e ly to p r o v id e s ic k n e s s as
w e ll as u nem ploym en t ben efits f o r th ese w o r k e r s . T h e re is no p r o v i­
sio n fo r the su b stitu tion o f p riv a te pla n s.
F in a n cin g . — The e m p lo y e e s co n trib u tio n ra te v a r ie s a c c o r d ­
ing to the ba la n ce in the fund, ran gin g fr o m 0. 5 p e r ce n t to 3. 0 p e r ce n t
o f w ages up to $350 a m onth. This con trib u tion is fo r both d is a b ility
and u n em ploym en t b e n e fits.
The c u r r e n t (1958) rate fo r the 2 p r o ­
gram s is 2. 5 p e r ce n t. W o r k e rs do not con trib u te to the fund.




In p reg n a n cy c a s e s , b en efits a r e paid fo r ea ch day in the m a ­
tern ity p e r io d c o m m e n c in g 57 days p r io r to the e x p e cte d date o f c h ild ­
b irth , and ending 115 days la te r (o r 31 days a fter the c h ild is born ,
w h ich e v e r is la te r ), but not fo r m o r e than 84 days o f b en efits b e fo r e
c h ild b ir th . E x ce p t du ring the f ir s t 14 days in the m a te rn ity p e r io d and
the f ir s t 14 days a fte r ch ild b ir th , when the b en efits a re com p u ted at
one and o n e -h a lf tim e s the re g u la r r a te , the b en efits a r e the same as
th ose pa ya ble in n o n m a te m ity c a s e s .

248
A ppendix B
Health Insurance Plan of Greater New York

E s ta b lis h e d on M a rch 1, 1947, the H ealth In su ra n ce P la n o f
jG reater New Y o r k (HIP) p r o v id e s p re p a id m e d ic a l and s u r g ic a l c a r e .
M o re than 500, 000 p eop le in N ew Y o r k C ity and v icin ity a r e c o v e r e d by
this p r o g r a m .
S e r v ic e s a r e p r o v id e d th rou gh 32 a ffilia te d m e d ic a l g ro u p s, o f
w hich 29 are lo c a t e d in New Y o rk C ity , 2 in N a ssau C ou n ty, and 1 in
C olu m b ia C ou n ty, south o f A lban y. S e r v ic e s o f g e n e ra l p h y sicia n s and
s p e c ia lis ts in 12 b a s ic s p e c ia lit ie s o f m e d icin e and s u r g e r y , p a th ology,
and r o e n tg e n o lo g y a r e p r o v id e d at ea ch m e d ic a l c e n t e r . In addition,
e a ch grou p co n trib u te s a p o r tio n o f its p e r ca p ita in co m e to a co m m o n
s p e c ia l s e r v ic e fund w h ich pays fo r v isitin g n u rse and am bu la n ce s e r v ­
ic e s ; d ia g n o stic and th era p eu tic r a d io a c tiv e m a te r ia ls ; and h igh ly
s k ille d p r o fe s s io n a l s e r v ic e s su ch as n e u r o lo g ic a l, c a r d ia c , and p la stic
s u r g e r y , o p e r a tio n s fo r d e a fn e s s , e tc .
E lig ib ility . — M e m b e r s o f HIP a r e o r ig in a lly e n r o lle d through
g ro u p s, m o s t o f w h ich a re o r g a n iz e d by eith er unions o r e m p lo y e r s .
O ther grou p s have b een set up am on g c it y , State, and F e d e r a l e m p lo y ­
e e s and am ong tenants in housin g d e v e lo p m e n ts . The m in im u m s iz e o f
p a rticip a tin g grou p s is 10; depen den ts m u st a ls o be in clu d ed in the
c o v e r a g e if the grou p in clu d e s fe w e r than 25 e m p lo y e e s . D ependents in­
clu d e sp ou se and u n m a r rie d c h ild r e n under 18 y e a r s o f age. On lea v in g
his jo b , an e m p lo y e e ca n continu e as a s u b s c r ib e r by paying the p r e ­
m iu m fo r h im s e lf and his fa m ily d ir e c t to H IP. F o r a group o f 25 o r
m o r e to q u a lify , at le a s t 75 p e r ce n t o f th ose e lig ib le in the unit c o v ­
e r e d by the grou p m u st e n r o ll. F o r g rou ps o f 10 to 24, a h igh er p e r ­
cen ta g e is r e q u ir e d .
Any p e r s o n is e lig ib le to jo in r e g a r d le s s o f his annual in co m e .
H o w e v e r, the b a se p r e m iu m rate a p p lies to sin g le p e r s o n s earn in g not
m o r e than $ 6 ,0 0 0 a y e a r and to m a r r ie d p e r s o n s w ith fa m ily in co m e s
o f not m o r e than $ 7 , 500.
P a r ticip a n ts w ith in c o m e s ab ove th ese
am ounts pay a h ig h er p re m iu m .




B e n e fits .— G re a te r New Y ork ’s H ealth In su ra n ce P la n p r o v id e s
g e n e ra l m e d ic a l c a r e , the s e r v ic e s o f s p e c ia lis t s , s u r g ic a l c a r e , and
m a tern ity c a r e at HIP m e d ic a l c e n t e r s , in the d octors* o f f ic e s , in h o s ­
p ita ls , and at h om e.
D ia g n ostic and la b o r a to r y s e r v ic e s , p h y s ic a l
th era p y , X - r a y trea tm en t, and oth er s p e c ia l treatm en ts a re p r o v id e d
at the health c e n t e r s . A m on g oth er b en efits p r o v id e d a r e p r o fe s s io n a l
s e r v ic e s fo r the a d m in istra tion o f b lo o d o r p la sm a , p e r io d ic health e x ­
a m in a tion s, v isitin g n u rse s e r v ic e , p h y ch ia tric a d v ic e , and am bu ­
la n ce s e r v ic e .

The trea tm en t o f m en tal and n erv ou s d is o r d e r s by a p s y c h ia ­
tr is t is ex clu d e d fr o m HIP b e n e fits .
C a s e s c o v e r e d by w o rk m e n 's
co m p e n sa tio n , the V etera n s A d m in istra tio n , and oth er g overn m en ta l
a g e n cie s a re a ls o ex clu d ed . O ther ite m s not in clu d ed a r e dental c a r e ,
treatm en ts fo r a lc o h o lis m and dru g a d d iction , p u rely c o s m e t ic s u r g e r y ,
a r t ific ia l lim b s and e y e g la s s e s , p r e s c r ib e d d r u g s, b io lo g ic a ls , and
a n esth esia when a d m in iste re d in a h osp ita l.
The H ealth In su ra n ce P la n o ffe r s a w ide range o f b en efits to
e m p lo y e e s and depen den ts liv in g ou tsid e a r e a s s e r v e d by HIP m e d ic a l
g ro u p s. C a sh paym en ts a r e m ade fo r s u r g e r y , m a tern ity c a r e , X - r a y
and la b o r a to r y ex a m in a tion s, and am bu la n ce s e r v ic e . P ay m en ts fo r
th ese s e r v ic e s and oth ers a r e m ade a c c o r d in g to a sch ed u le o f c a s h
in d e m n itie s, w hich a llow s up to $3 00 f o r c e r ta in s u r g ic a l p r o c e d u r e s
and up to $2 00 fo r o b s te t r ic a l p r o c e d u r e s .
In ad dition , p reven tive
c a r e (health ex a m in a tion s, im m u n iz a tion s, e t c . ) , and g en era l m e d ic a l
and s p e c ia lis t c a r e at h om e, d o c t o r s ' o ffic e s , and h osp ita ls a re in ­
d em n ified . F o r ea ch h om e v is it , HIP pays up to $ 4 and fo r e a ch o ffic e
o r h osp ita l v is it , up to $ 3 , i f the v is it is not in co n n e ctio n w ith a c o n ­
d ition fo r w h ich paym ent is a llo w e d under the sch ed u le o f c a s h in d e m ­
n itie s . In each c a s e , th ere is a lim it o f 1 v is it a day and o f 100 v is its
fo r any 1 illn e s s o r in ju ry .
The e x c lu s io n s n oted ab ove fo r in -a r e a
HIP s u b s c r ib e r s a ls o ap ply to o u t -o f-a r e a s u b s c r ib e r s .

249
Appendix C
Group Health Insurance, Inc.

G roup H ealth In su ra n ce, In c. , is a n on p rofit m e d ic a l and s u r ­
g ica l in su ra n ce o rg a n iz a tio n in the New Y o r k C ity a r e a . A p p ro x im a te ly
16 0 ,0 0 0 p e r s o n s liv in g in New Y o rk and v icin ity a r e c o v e r e d by this
program .
S e r v ic e s a r e p r o v id e d through a rra n g em en ts w ith priv ate
p h y s icia n s.
The in su re d in dividu al m ay s e le c t his own p h y sicia n e i ­
ther fr o m am ong the 11, 000 "p a r tic ip a tin g p h y s ic ia n s " o r am ong oth er
p h y sicia n s lic e n s e d to p r a c tic e in the State o f New Y o rk .
E lig ib ilit y .— E lig ib ility fo r e n ro llm e n t is lim ite d to g rou p s.
If th ere a r e 50 o r m o r e in the g rou p, 75 p ercen t of the e lig ib le in d i­
vidu als m u st s u b s c r ib e . F o r s m a lle r g ro u p s, h igh er p e r ce n ta g e s a re
r e q u ire d . A n e m p lo y e e o r an in su red dependent can con tin u e as a su b ­
s c r ib e r i f he le a v e s the grou p by paying a p re m iu m d ir e c t to G roup
H ealth In su ra n ce, Inc. S p ou ses and dependent u n m a rrie d c h ild re n b e ­
tw een the a g es o f 90 days and 18 y e a r s a re e lig ib le fo r c o v e r a g e .
B en efits 2 . — S u r g ic a l, m e d ic a l, and m a tern ity c a r e in the h o s ­
pita l, h om e, and d octor*s o ffic e a r e p r o v id e d w ithout a d dition a l c h a rg e s
to in d ividu als u sing a p a rticip a tin g p h y sicia n . In a d dition , d ia g n ostic
X - r a y and la b o r a to r y ex a m in a tion s, p h y s ic a l th era p y , X -r a y trea tm en t,

annual p h y s ic a l ex a m in a tion s, and oth er s p e c ia l trea tm en ts a r e p r o
vid ed i f p e r fo r m e d by a p a rticip a tin g p h y s icia n in the h o sp ita l, h om e,
o r o ffic e . E x ce p t fo r the c o s t o f d r u g s, im m u n ization s a r e paid fo r in
fu ll, and v isitin g n u rse s e r v ic e s a r e a v a ila b le . S p e c ia lis ts r e c e iv e up
to $1 5 f o r 1 con su lta tion in e a c h illn e s s if r e n d e r e d ou tsid e the h o s ­
p ita l, and up to $15 fo r 1 b ed sid e con su lta tion in e a c h p e r io d o f h o s ­
p ita liza tion ; the patient pays the d iffe r e n c e , i f any, betw een the s p e ­
c i a l i s e s c h a rg e and the fe e sch ed u le a llo w a n ce . F o r patients who apply
f o r , o r a r e h o s p ita liz e d in, p riv a te a c c o m m o d a tio n s , o r who use a n on ­
p a rticip a tin g p h y sicia n , b en efits take the fo r m o f ca s h r e im b u r s e m e n t,
a c c o r d in g to a fe e sch e d u le , tow a rd the am ount the d o c to r c h a r g e s . If
a p a rticip a tin g p h y s icia n is u sed, fu ll c a r e is p r o v id e d w ithout a lim it
on the n um ber o f h o m e , d octor*s o ffic e , o r h osp ita l v is it s . H ow e v e r,
if p riv a te r o o m a c c o m m o d a tio n s o r a n on p a rticip a tin g d o c to r a re u sed,
a lim it is p la ce d both on the n u m ber o f days o f h osp ita l v is its r e im ­
b u rsa b le under the plan and on the m a xim u m am ount p a ya ble under the
plan fo r a ll v is it s during any one p e r io d o f h osp ita l c o n fin e m e n t.

C a s e s c o v e r e d b y w orkm en *s c o m p e n sa tio n and the V etera n s
A d m in istra tio n a r e e x clu d ed fr o m c o v e r a g e . A ls o ex clu d e d a r e s e r v ­
ic e s o r d in a r ily p e r fo r m e d by a d en tist; trea tm en t f o r drug ad d iction ;
eye r e fr a c t io n s ; a r t ific ia l lim b s and oth er p r o s th e tic a p p lia n ce s; c o s ­
2
B en efits d e s c r ib e d a r e th ose a v a ila b le to in div idu als c o v e r em
d e tic s u r g e r y ; b lo o d p la sm a and oth er su b sta n ces o r d in a r ily p ro v id e d
by the health and in su ra n ce plans under c o lle c t iv e ba rgain in g a g r e e ­
by d o n o r s ; p riv a te n u rsin g c a r e ; a d m in istra tio n o f a n esth esia ; p u l­
m ents betw een e m p lo y e r s in the fu r m anu factu ring and reta ilin g in ­
m o n a ry tu b e r c u lo s is a fte r d ia g n o s is , e x ce p t fo r s u r g e r y in su ch c a s e s ;
fu n ction al m en tal o r n erv ou s d is o r d e r s ; c h r o n ic a lc o h o lis m ; s e r v ic e s
d u stry in New Y o rk , N. Y . , and the A m a lg a m a ted M eat C u tters and
B u tch er W ork m en o f N orth A m e r ic a (F u r r ie r s Joint C o u n cil o f New
fo r w h ich no p h ysician *s c h a rg e is in c u r r e d ; and s e r v ic e s r e n d e r e d in
Y ork ) and the A s s o c ia t io n o f M aster P a in te rs and D e c o r a t o r s of the
a m e d ic a l dep a rtm en t o r c lin ic m ain tained by an e m p lo y e r , union w e l­
C ity o f N ew Y o r k and the B ro th e rh o o d o f P a in te rs , D e c o r a t o r s and
fa r e fund, m utual b en efit o rg a n iz a tio n , o r s im ila r o r g a n iz a tio n s ; and
P a p erh a n g ers o f A m e r ic a (D is t r ic t C o u n cil 9).
a m bu la n ce s e r v ic e .




250
A ppend ix D
Kaiser Foundation Health Plan

M ed ica l c a r e and h o s p ita liz a tio n a re p r o v id e d th rou gh the
K a is e r Fou ndation H ealth P la n to n e a r ly h a lf a m illio n p e r s o n s in the
W est C o a s t S tates. T h is is a v olu n ta ry p rep a id grou p p r a c t ic e plan,
e s ta b lis h e d in 1942. A num ber o f m o d e rn h o sp ita ls a r e o p e ra te d by
the plan; the plan a ls o m ain tains m e d ic a l c e n t e r s lo c a te d throughout
the a r e a s s e r v e d . San F r a n c is c o , L o s A n g e le s , and P o rtla n d a r e the
th ree m a jo r a r e a s s e r v e d b y the K a is e r P la n . P a r tic ip a tio n in the plan,
h o w e v e r, is sp rea d in g to oth er W est C o a s t a r e a s and to H aw aii.
E lig ib ility . — Both grou p and in dividu al m e m b e r s h ip s a r e
a v a ila b le .
H o w e v e r , m e m b e r s h ip m o s t c o m m o n ly o c c u r s th rough
p a rticip a tin g grou p s c h ie fly o r g a n iz e d on a union o r co m p a n y b a s is .
In dividu als m a y continu e c o v e r a g e a fte r d rop p in g out o f a group but pay
h igh er p r e m iu m r a te s . S p ou ses and depen den t u n m a rrie d c h ild re n un­
d e r 19 y e a r s o f age a r e e lig ib le fo r c o v e r a g e .
B e n e fit s . — The ben efits p r o v id e d v a r y w ith p a rticu la r situ a ­
tion s o r the n eeds o f s p e c ia l grou p s o f s u b s c r ib e r s .
The b en efits d e ­
s c r ib e d b elow a r e th ose p r o v id e d fo r e m p lo y e e s and "dependents c o v ­
e r e d by p r o g r a m s in this r e p o r t w h ich u tilize the K a is e r P la n . 3
A ll s e r v ic e s o f p h y s ic ia n s , in clu din g su rg e o n s and s p e c ia lis t s ,
a re p r o v id e d w ithout c h a r g e f o r in -h o s p it a l c a r e . D o c t o r 1s c a r e at the
o ffic e is a ls o p r o v id e d w ith ou t c o s t , in cluding c o n s u lta tio n and t r e a t ­
m ent by s p e c ia lis ts and eye ex a m in a tion s fo r g la s s e s . The patien t is
c h a rg e d $ 2 fo r the fir s t h om e v is it f o r each illn e s s o r in ju ry . 4 No
c h a r g e s a re m ade fo r follow u p c a lls by the d o c to r o r fo r c a lls o f v is it ­
ing n u r s e s , when under d o c t o r ’ s o r d e r s . U n lim ited e m e r g e n c y s e r v ic e
is p r o v id e d in c a s e s o f sudden illn e s s o r in ju ry .
H osp ita l c a r e is p r o v id e d fo r 111 days a y e a r fo r e a c h illn e s s
or in ju ry and its r e c u r r e n c e s and c o m p li c a t io n s .5 A ll c h a r g e s a r e
c o v e r e d w hile in the h o sp ita l, in clu d in g a n e s th e tic s , m e d ic in e s , and
d ru g s.
P r iv a te r o o m s and p r iv a te -d u ty n u rsin g c a r e a r e p r o v id e d
w hen n eed ed . No c h a rg e s a re m a de f o r b lo o d tra n sfu sio n s if the b lo o d
is r e p la c e d .

3 P a c ific M a ritim e A s s o c ia t io n and L o n g s h o r e m e n ’ s and W a r e ­
h o u s e m e n ’ s Union and The D is t r ib u t o r ’ s A s s o c ia t io n o f N o rth e rn C a li­
fo r n ia and L o n g s h o r e m e n ’ s and W a re h o u s e m e n 's Union P la n s .
4 In sou th ern C a lifo r n ia , the c h a rg e is $5 .
5 In sou th ern C a lifo r n ia , 125 days o f h o sp ita l c a r e p e r y e a r a r e
p r o v id e d .




A c h a rg e o f $6 0 is m ade fo r co m p le te m a tern ity c a r e and fo r
fu ll c a r e o f the ch ild . In c a s e s o f in terru p ted p reg n a n cy , su ch as m i s ­
c a r r ia g e , the c h a rg e is no m o r e than $ 4 0 .6 A $ 1 5 -c h a r g e is m ade fo r
the r e m o v a l o f to n s ils and a d en oid s. No c h a rg e is m ade fo r oth er s u r ­
g ica l p r o c e d u r e s .
X - r a y s , la b o r a to r y s e r v ic e s , e le c t r o c a r d io g r a m s , and p h y s­
io th e ra p y a r e p r o v id e d in and out o f the h osp ita l w ithout c h a rg e w hen
o r d e r e d by the p h y sicia n .
D ental X -r a y s a re a ls o a v a ila b le w ithout
c h a r g e .7 H o w e v e r, dental c a r e is not p ro v id e d .
A m b u la n ce s e r v ic e
is fu rn ish e d w ithin 30 m ile s o f any H ealth P la n m e d ica l o ffic e o r h o s ­
p ita l. A lth ough c h a rg e s a re n ot m a de fo r m e d icin e s and dru g s in the
h o sp ita l, the patient pays fo r th ose su p p lied in the o ffic e o r at h om e.
In c a s e s o f a c c id e n t (but not illn e s s ), when m o r e than 30 m ile s
fr o m the n e a r e s t K a is e r H ealth P la n h osp ita l o r o ffic e , e x p en ses a re
r e im b u r s e d up to $2 50 f o r e m e r g e n c y c a r e until the in ju re d p e r s o n 's
c o n d itio n p e r m its tr a v e l to a K a is e r H ealth P la n fa c ility .
D ia g n o stic s e r v ic e s a r e p r o v id e d fo r p o lio m y e lit is . S e r v ic e s
fo r re h a b ilita tio n and trea tm en t o f this d is e a s e , a fte r the acu te and
c on ta g iou s sta te, a r e p r o v id e d fo r up to 1 y e a r o r up to a valu e o f
$ 2 ,5 0 0 , w h ich e v e r is r e a c h e d fir s t . T h ese s e r v ic e s a re a v a ila b le at
the r e h a b ilita tio n c e n t e r s at Santa M on ica and V a lle jo , C a lif.
C a re
du ring the c on ta g iou s stage is not p ro v id e d . In c a s e s o f oth er qu a ra n tinable d is e a s e s and tu b e r c u lo s is , s e r v ic e s a r e a v a ila b le fo r d ia g n osis
on ly, although e m e r g e n c y trea tm en t fo r tu b e r c u lo s is is p r o v id e d until
p r o p e r p la ce m e n t o f the patient is m ade o r when is o la tio n is u n n e ce s­
s a r y . F o r m en tal illn e s s , b en efits a re lim ite d to d ia g n o s is . C a re fo r
a lc o h o lis m is not p r o v id e d f o r the con d ition it s e lf but is a v a ila b le fo r
su ch con d ition s as c i r r h o s i s , m a ln u trition , and in ju rie s c a u se d by
a lc o h o lis m . N o s e r v ic e s a r e p r o v id e d fo r con d ition s re su ltin g fr o m
m a jo r d is a s t e r s , e p id e m ic s , attem pted s u ic id e , o r in ten tion a lly s e l f in flic te d in ju r ie s . C a s e s c o v e r e d by w o rk m e n 's c o m p e n sa tio n and by
the V etera n s A d m in istra tio n a re a ls o ex clu d ed fr o m c o v e r a g e .
6 F o r e m p lo y e e s c o v e r e d b y the P a c ific M a ritim e A s s o c ia t io n
and L o n g s h o r e m e n ’ s and W a re h o u s e m e n ’ s Union H ealth and In su ra n ce
P la n , th ese c h a r g e s f o r m a tern ity c a r e a r e paid f o r by the IL W U -P M A
W e lfa re Fund.
7 Not a v a ila b le to c h ild r e n c o v e r e d by the P a c ific M a ritim e
A s s o c ia t io n and the L o n g s h o r e m e n ’ s and W a re h o u s e m e n 's Union’ s
D ental P la n .

251
Appendix E
New York Hotel Trades Council and Hotel Association Health Center, Inc., Plan

The New Y o rk H otel T ra d e s C o u n cil and the H otel A s s o c ia t io n
o f N ew Y o r k C ity sp o n s o r a health c e n te r w hich s e r v e s a p p ro x im a te ly
3 5 ,0 0 0 union e m p lo y e e s o f 180 o r m o r e h otels and about 90 h otel c o n ­
c e s s io n s in New Y o r k C ity . T en lo c a l unions are in v olv ed . T his plan
orig in a te d in 1949, under c o lle c t iv e b a rg a in in g , when the p a rtie s a g r e e d
to e sta b lis h a health c e n te r p r o g r a m . The C e n te r began op era tion s in
O ctob er 1950.

E lig ib ility . — A ll w o r k e r s c o v e r e d by c o lle c t iv e ba rg ain in g
a g reem en ts betw een the New Y o rk H otel T ra d e s C o u n cil and the e m ­
p lo y e r s who a re con trib u tin g m e m b e r s o f the New Y o rk H otel T ra d es
C o u n cil and H otel A s s o c ia t io n In su ra n ce Fund a r e en titled to c a r e at the
Health C e n te r . In a d dition , m e m b e r s o f the New Y o r k H otel T ra d es
C o u n cil in g ood standing during the p re ce d in g 6 m on th s, and e m p lo y e d
fu ll tim e (as d efin ed by a d m in istra tiv e p ro ce d u r e ) by union c o n tr a c t
h otels o r c o n c e s s io n s w h ich had been con trib u tin g m e m b e r s to the Fund
during the p r e ce d in g 4 m on th s, a re e lig ib le fo r in -h o s p ita l m e d ica l and
s u r g ic a l c a r e , e m e r g e n c y am bu lan ce s e r v ic e , and v isitin g n u rse s e r v ­
ic e when a u th orized by the H ealth C e n te r .
D ependents are not c o v e r e d .
F in a n cin g . — C on trib u tin g e m p lo y e r s pay 3 V4 p e r ce n t o f th eir
w eek ly p a y r o ll in to a fund w hich p r o v id e s fo r a w e lfa r e p r o g r a m , in ­
clu d in g the H ealth C e n te r .




B e n e fit s . — A b r ie f su m m a ry o f the ben efits p r o v id e d fo llo w s :
C o m p le te a m b u la tory , d ia g n o s tic , and th era p eu tic s e r v ic e s a re p r o ­
v ided at the H ealth C e n te r .
H om e c a r e is not p r o v id e d e x ce p t fo r
e m e r g e n c y c a lls to d eterm in e the n eed fo r h o s p ita liz a tio n . In ad di­
tion to the b en efits a v a ila b le at the H ealth C e n te r , m e d ica l and s u r g ic a l
c a r e a re p r o v id e d in the h osp ita l.
B en efits p r o v id e d at the H ealth C e n te r in clu d e g e n e ra l m e d i­
c a l and s p e c ia lis ts c a r e ; stan dard la b o r a to r y and oth er d ia g n o stic
p r o c e d u r e s , in clu din g X -r a y s and r e fr a c tio n s ; p h y s ic a l th era p y , r e ­
h a b ilita tion , X - r a y th era p y , and in je c tio n th erapy; the s e r v ic e s o f
m e d ic a l- s o c ia l w o r k e r s ; v isitin g n u r s e s ; and am bu la n ce s e r v ic e . D rug
p r e s c r ip tio n s a re so ld at o r below c o s t ; and e y e g la s s e s , s u r g ic a l a p ­
p lia n c e s , and s p e c ia l orth op ed ic sh oes at r e d u c e d r a te s through r e ­
f e r r a l to ou tside a g e n c ie s .
P e r io d ic p h y s ic a l exam in a tion s and p r e ­
p la ce m e n t exam in a tion s fo r new e m p lo y e e s a r e p r o v id e d . The C e n te r 1s
d ia g n o stic s e r v ic e s a re a ls o a v a ila b le to patients under the c a r e o f
p riv a te p h y s ic ia n s.
C a re is not p r o v id e d fo r o ccu p a tio n a l d is e a s e s and in ju rie s
c o v e r e d by w orkm en*s c o m p e n sa tio n o r fo r c a s e s c o v e r e d by oth er
a g e n cie s su ch as the V etera n s A d m in istra tio n . S e r v ic e s a re not p r o ­
v ided fo r c a s e s r e q u irin g h igh ly s p e c ia liz e d trea tm en t, su ch as acute
a lc o h o lis m , drug a d d iction , tu b e r c u lo s is , and m en tal or n erv ou s d i s ­
o r d e r s , or fo r con fin em en t to s p e c ia l in stitu tion s. P riv a te-d u ty n ursing
is not c o v e r e d . H o w e v e r, v isitin g n u rse s e r v ic e fo llo w in g h o s p ita liz a ­
tion is p r o v id e d i f such c a r e is d eem ed n e c e s s a r y .




253

Union Identification

This listing presents the full titles o f the unions referred to in the plan summaries, The names used to identify unions in the summaries
are shown in bold type. Unions not affiliated with A FL—CIO are noted as independent (Ind).

Aluminum Workers International Union.
International Union, United Automobile, Aircraft and Agricultural
Implement Workers o f America.
Bakery and Confectionery Workers* International Union o f America (Ind).
International Brotherhood o f Bookbinders.
Building Service Employees International Union.
United Brotherhood of Carpenters and Joiners o f America.
International Chemical Workers Union.
Amalgamated Clothing Workers o f America.
Distillery, Rectifying and Wine Workers*
International Union o f America.
International Union o f Doll and T oy Workers
of the United States and Canada.
International Brotherhood of Electrical Workers (IBEW).
International Union of E lectrical, Radio and Machine Workers (IUE).
Employees Independent A ssociation (Ind).
United Furniture Workers of America.
G lass Bottle Blowers A ssociation of the U. S. and Canada.
United Glass and Ceramic Workers o f North America.
United Hatters, Cap and Millinery Workers International Union.
Hotel and Restaurant Employees and Bartenders International Union.
Independent Steelworkers Union (Ind).
Insurance Agents International Union.
International Jewelry Workers* Union.
International Ladies* Garment Workers* Union.
Laundry, Cleaning and Dye House Workers
International Union (Ind).
International Leather Goods, P lastic and Novelty Workers* Union.
Leather Workers International Union of America.
Amalgamated Lithographers of America.
International Brotherhood of Longshoremen (IBL)«
International Longshoremen's A ssociation (Ind).
International Longshoremen’ s and Warehousemens Union (Ind).




International A ssociation of Machinists.
National Marine Engineers* Beneficial A ssociation.
National Maritime Union o f America.
Amalgamated Meat Cutters and Butcher Workmen o f North America.
New York Hotel Trades Council (association o f various unions in
hotel field).
O il, Chemical and Atomic Workers International Union*
National Brotherhood of Packinghouse Workers (NBPW) (Ind).
United Packinghouse Workers o f America (UPWA).
Brotherhood o f Painters, Decorators and Paperhangers of America.
United Papermakers and Paperworkers.
International Brotherhood o f Pulp, Sulphite and Paper Mill Workers.
Retail Clerks International A ssociation .
Retail, Wholesale and Department Store pinion.
United Rubber, Cork, Linoleum and P lastic Workers o f America.
Seafarers* International Union o f North America.
Standard A llied Trades Council (various unions collaborating in
negotiation of single agreement).
United Steelworkers of America.
Amalgamated A ssociation of Street, E lectric Railway and Motor
Coach Employes of America.
International Brotherhood of Teamsters, Chauffeurs, Warehousemen
and Helpers o f America (Ind).
Textile Workers Union of America (TWUA).
T obacco Workers International Union.
International Typographical Union (Typographers).
United Mine Workers o f America (Ind).
United Shoe Workers o f America.
Upholsterers* International Union of North America.
Utility Workers Union of America.
American Watch Workers Union (Ind).
International Woodworkers of America.

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