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3 ^ l ue ?b p<w y> A c c id e n t a n d S ic k n e s s B e n e fits # Bulletin No. 1250 U N IT E D S T A T E S D E P A R T M E N T O F Jam es P. M it c h e ll, BUREAU OF Ewan LABOR STATISTICS C lague, Commissioner S ecreta ry LABOR Fall 1958 H E A L T H A N D IN S U R A N C E P L A N S U N D E R C O L L E C T IV E B A R G A I N I N G Accident and Sickness Benefits Fail 1958 Bulletin No. 1250 June 1959 U N IT E D STATES DEPARTM ENT Jam es P. OF M itc h e ll, LABOR S e cre ta ry BUREAU OF LABOR STATISTICS Ewan Clague, Commissioner For sale by the Superintendent of Documents, U.S. Government Printing Office, Washington 25, D.G. Price 25 cents P r e fa c e This study of the accident and sickness benefit features of health and insurance plans under collective bargaining, based on an analysis of 300 selected plans, is the first in a planned series of bulletins dealing sepa rately with the various components of health and in su r ance plans. A s a whole, this se rie s w ill bring up to date the Bureau of Labor Statistics* ea rlier Analysis of Health and Insurance Plans Under C ollective Bargaining, Late 1955 (BLS Bull. 1221, 1957). Each of the 300 plans analyzed covered at least 1, 000 w ork ers. In total, the selected plans provided p ro tection to alm ost 5 m illion w ork ers, or about tw o-fifths of the estim ated coverage of all health and insurance plans under collectiv e bargaining. This study was conducted and the report was p r e pared in the Bureau*s D ivision of Wages and Industrial Relations by Dorothy Kittner Greene and Harry E, Davis, under the direction of Joseph W. B loch. iii Contents P age In trod u ctio n 1 S cop e o f stu d y 2 E lig ib ility r e q u ir e m e n ts 5 N o n o ccu p a tio n a l a c c id e n t and s ic k n e s s b e n e fits B a s is for d e te r m in in g am ou n t _______________ A m oun t o f b e n efit (a n o te on m e th o d o lo g y ) _ A m ount o f b e n efit under fla t p l a n s __________ A m ount o f b e n efit under g ra d u a ted p l a n s ___ V a r ia tio n in am ou n t b a se d on s e x ___________ 6 6 8 8 10 D u ra tio n ______________________________________R ed u ctio n o f b e n e fits for o ld er w o r k e r s ___ 16 O ccu p a tio n a l a c c id e n t and s ic k n e s s b e n e fits 13 14 17 ___________________ ______________ 17 W eek ly m a te r n ity b e n e f i t s ______________________________________________________ G e n era l lu m p -su m a llo w a n c e ___________________________-_________ ____________ 21 23 C hart: W eek ly n o n o ccu p a tio n a l a c c id e n t and s ic k n e s s b e n e fits in s e le c te d h e a lth and in s u r a n c e p la n s, la te 1955 T a b le s: 1. D istr ib u tio n of h e a lth and in s u r a n c e p lan s stu d ied by w o r k e r s c o v e r e d , in d u stry d iv is io n , and typ e o f b a rg a in in g u n i t _____________________________________________________ 2 . D istr ib u tio n o f h e a lth and in s u r a n c e plan s stu d ied by in d u stry grou p and p r o v isio n for a c c id e n t and s ic k n e s s b e n e f i t s ___ ____ 3. T y p es of d is a b ilitie s c o v e r e d by a c c id e n t and s ic k n e s s b e n e fits by in d u str y d iv is io n ________________________________ 4 . M eth od o f fin a n cin g a c c id e n t and s ic k n e s s b e n e fits by ty p e o f e m p lo y e r u n i t __________________________________________________ 5 . E lig ib ility r e q u ir e m e n ts for a c c id e n t and s ic k n e s s b e n e f i t s ___________________ 6 . B a s is fo r d e te r m in in g n o n o ccu p a tio n a l a c c id e n t and s ic k n e s s b e n efit am ou n t by typ e o f b a rg a in in g unit __________________ 7 . D istr ib u tio n of p la n s p rov id in g fla t am ou n t of n o n o ccu p a tio n a l a c c id e n t and s ic k n e s s b e n e fits by am ount p ro v id ed and d u ra tio n o f b e n efit p e r i o d ___________________ 8 . D istr ib u tio n o f p la n s p rov id in g fla t am oun t of n o n o ccu p a tio n a l a c c id e n t and s ic k n e s s b e n e fits by am ou n t p ro v id ed and m eth o d of f i n a n c in g ___________________________ v 2 3 4 4 5 6 9 10 Contents — Continued Page T a b le s:— C on tin u ed 9 . D istr ib u tio n o f p la n s p rov id in g g ra d u a ted a m o u n ts o f n o n o ccu p a tio n a l a c c id e n t and s ic k n e s s b e n e fits by am oun t p ro v id ed w o r k e r s ea r n in g $ 4 ,0 0 0 y e a r ly and d u ra tio n of b e n e fit p e r io d __________________________________________ 10. D istr ib u tio n o f p la n s p rov id in g g ra d u a ted n o n o ccu p a tio n a l a c c id e n t and s ic k n e s s b e n e fits by am oun t p ro v id ed w o r k e r s ea rn in g $ 4 ,0 0 0 y e a r ly and m eth o d o f f in a n c in g ___________ 11. D istr ib u tio n o f p la n s p rov id in g n o n o ccu p a tio n a l a c c id e n t and s ic k n e s s b e n e fits by w a itin g p e rio d and b a s is for d e te r m in in g am ou n t o f b e n efit _________________________________________ 12. W aitin g p e rio d for w e e k ly n o n o ccu p a tio n a l a c c id e n t and s ic k n e s s b e n e fits __________________________________________________________ 13. M a x im u m d u ra tio n o f n o n o ccu p a tio n a l a c c id e n t and s ic k n e s s b e n e f i t s __ __ 14. C han ge in b a s is o f w e e k ly n o n o ccu p a tio n a l a c c id e n t and s ic k n e s s b e n efit p a y m en ts d u e to a g e ____________________________ 15. D istr ib u tio n of p la n s p rov id in g fla t am oun t of o c cu p a tio n a l a c c id e n t and s ic k n e s s b e n e fits by 12 13 14 15 16 17 16. D istr ib u tio n o f p la n s p rov id in g g ra d u a ted am ou n t o f o ccu p a tio n a l a c c id e n t and s ic k n e s s b e n e fits by am ou n t p ro v id ed w o r k e r s ea r n in g $ 4 ,0 0 0 17. A v a ila b ility o f a c c id e n t and s ic k n e s s b e n e fits to n e w ly in s u r e d w o r k e r s for d is a b ility r e s u ltin g fr o m p reg n a n cy ___ __ ____________ ____ _______________________________ *__ 18. D istr ib u tio n o f p la n s p rov id in g fla t am oun t of a c c id e n t and s ic k n e s s b e n e fits fo r d is a b ility r e s u ltin g fro m p reg n a n cy by am ou n t p ro v id ed _________________________________________ 19. D istr ib u tio n o f p la n s p rov id in g g r a d u a ted am ou n t of a c c id e n t and s ic k n e s s b e n e fits for d is a b ility r e s u ltin g fr o m p r eg n a n cy by am ou n t p r o v id e d w o m en w o r k e r s ea rn in g $ 3 ,0 0 0 y e a r l y ________________________________________________ vi 20 21 22 Health and Insurance Plans Under Collective Bargaining Accident and S ic k n e ss Benefits, Fail 1958 In trod u ctio n A c c id e n t and s ic k n e s s c o v e r a g e in h e a lth and in su r a n c e p la n s— a ls o r e fe r r e d to a s c a sh d is a b ility b e n e fits — p r o v id e s p a y m en ts to w o r k e r s to co m p e n sa te p a r tia lly fo r the lo s s o f w a g e in co m e d u rin g a b s e n c e s c a u se d by a c c id e n ts and i ll n e s s e s . Such p la n s g e n e r a lly app ly to a c c id e n ts o r i lln e s s e s a r is in g o ff the job , w h ich w o r k m e n 1s c o m p e n sa tio n d o e s not c o v e r . A n in c r e a s in g n u m b er o f p la n s h a v e, sin c e th e ir in cep tio n , ex ten d ed c o v e r a g e to o ccu p a tio n a l a c c id e n ts and i ll n e s s e s , th e r e b y su p p lem en tin g b e n e fits w h ich th e in ju red w o rk e r r e c e iv e s th ro u g h w o r k m e n ^ c o m p e n sa tio n . T h is in su r a n c e a g a in st lo s s o f w age in co m e g e n e r a lly c o v e r s a fix e d te r m of a b s e n c e , e . g. , 26 w e e k s , w h ich m ay ap p ly to a p a r tic u la r d is a b ility in c u r r e d by the w o r k e r o r m a y e x p r e s s the m a x im u m p r o te c tio n a v a ila b le d u r ing a y e a r . In e ith e r c a s e , a lon g s ie g e of illn e s s ex ten d in g b eyon d th e s p e c i fie d in su r e d p erio d w ill ex h a u st a w o r k e r s p r o te c tio n . N o r m a lly , h o w e v e r , th is p r o te c tio n fo r a n o th er d is a b ility is ren ew ed on the w o rk er* s retu rn to the job or at the sta r t of h is n ext b e n e fit y e a r . U n lik e o th er b e n e fits p ro v id ed under h ea lth and in su r a n c e p la n s w h ich m a y be ex ten d ed to d ep en d en ts and to r e tir e d w o r k e r s , a c c id e n t and s ic k n e s s b e n e fits , d ep en d en t on e m p lo y m e n t, a r e a v a ila b le o n ly to a c tiv e w o r k e r s . W ith few e x c e p tio n s , d isa b le d w o r k e r s a r e re q u ir e d to be under a p h y sician * s c a r e in o r d e r to c o lle c t b e n e fits , and, in m any c a s e s , th e d is a b ility h a s to be a tte s te d to in w r itin g by the p h y sic ia n . T o ta l d is a b ility , or co n fin em en t to the h om e o r in a h o s p ita l, is se ld o m a r e q u ir e m e n t fo r r e c e iv in g b e n e fits . In m o s t p la n s, a c c id e n t and s ic k n e s s b e n e fits a r e p ro v id ed th ro u g h group in su r a n c e p o lic ie s . A n a lte r n a tiv e m eth o d is s e lf-in s u r a n c e , th at i s , co n trib u tio n s a r e m a d e to a fund fr o m w h ich b e n e fits a r e paid. T h is study c o v e r s the k e y fe a tu r e s of a c c id e n t and s ic k n e s s b e n e fits , a s p ro v id ed in s e le c te d c o lle c tiv e ly b a rg a in ed p r o g r a m s in e ffe c t in th e fa ll of 1958, in clu d in g e lig ib ility r e q u ir e m e n ts , w a itin g p e r io d s fo r a c c id e n t and fo r s ic k n e s s b e n e fits , a m o u n ts o f w e e k ly b e n e fits paid, d u ra tio n o f b e n e fit p a y m e n ts, su p p lem en ta tio n o f w o rk m en * s c o m p e n sa tio n , b e n e fits p a y a b le in m a te r n ity c a s e s , fin a n cin g a r r a n g e m e n ts , and r e la te d a s p e c t s . A s im ila r stud y b a se d on p la n s in e ffe c t in la te 1955 1 p r o v id e s a b a s is fo r ev a lu a tin g th e ch a n g es th at h ave ta k en p la ce o v e r the p a st 3 y e a r s . 1 A n a ly s is of H ea lth and In su ra n ce P la n s U n d er C o lle c tiv e B a r g a in in g , L ate 1955 (B L S B u ll. 1221, 1957). 2 S cop e of Study T he 3 00 h e a lth and in su r a n c e p la n s stu d ied w e r e in e ffe c t in th e fa ll of 1958. T h ey w e r e s e le c te d to p r o v id e a b ro a d ly r e p r e s e n ta tiv e v ie w of the type o f p r o te c tio n p ro v id ed under m a jo r p la n s, i. e . , th o s e c o v e r in g 1, 000 or m o re w o r k e r s . F a c to r s g iv e n p r im a r y c o n s id e r a tio n in the o r ig in a l s e le c tio n o f the sa m p le and in its re q u ir e d su p p le m e n ta tio n 2 w e r e in d u str y and g e o g r a p h ic lo c a tio n o f p la n s, typ e o f b a rg a in in g un it, and s iz e of p lan a s m e a s u r e d by a c tiv e w o r k e r c o v e r a g e . T h e 3 00 s e le c te d p la n s, w h ich ra n g ed in c o v e r a g e to a h a lf m illio n w o r k e r s , p ro v id ed p r o te c tio n to a to ta l of 4 , 9 3 3, 000 w o r k e r s , or about 40 p e r c e n t of the e s tim a te d n u m b er of w o r k e r s under a ll h ea lth and in su r a n c e p la n s under c o lle c tiv e b a rg a in in g a g r e e m e n ts (ta b le 1). Of th e 300 p la n s, 271 had b e e n in clu d ed in th e B u r e a u 1s p r e v io u s stu d y . TABLE 1. D i s t r i b u t i o n o f h e a lt h a n d i n s u r a n c e p la n s s t u d ie d b y w o r k e r s c o v e r e d , i n d u s t r y d i v i s i o n , a n d ty p e o f b a r g a i n i n g u n it , f a l l 1 9 5 8 ( W o r k e r s in t h o u s a n d s ) A l l in d u s tr ie s A l l p la n s S in g le e m p l o y e r W ork ers covered A ll p la n s s t u d ie d _ W ork ers N um ber W ork ers 300 4 ,9 3 3 207 2 ,8 1 3 93 2 , 1 20 137 59 34 26 28 5 11 352 419 387 472 929 307 2 ,0 6 8 104 39 20 17 17 4 6 269 272 225 303 532 251 962 33 20 14 9 11 1 5 83 147 162 169 397 56 1 , 1 06 _ 1 , 0 0 0 bu t l e s s th a n 5 , 0 0 0 w o r k e r s _________ 5 , 0 0 0 bu t l e s s th a n 1 0 , 0 0 0 w o r k e r s _______ 1 0 , 0 0 0 bu t l e s s th a n 1 5 , 0 0 0 w o r k e r s --------1 5 , 0 0 0 bu t l e s s th a n 2 5 , 0 0 0 w o r k e r s _____ 2 5 , 0 0 0 bu t l e s s th a n 5 0 , 0 0 0 w o r k e r s _____ 5 0 , 0 0 0 bu t l e s s th a n 1 0 0 , 0 0 0 w o r k e r s ___ 1 0 0 , 0 0 0 a n d o v e r ________________________________ P la n s S in g le e m p l o y e r P la n s ________________________________ 1 . 0 0 0 bu t l e s s th a n 5 , 0 0 0 w o r k e r s _________ 5 . 0 0 0 but l e s s th a n 1 0 , 0 0 0 w o r k e r s _______ 1 0 . 0 0 0 bu t l e s s th a n 1 5 , 0 0 0 w o r k e r s _____ 1 5 . 0 0 0 bu t l e s s th an 2 5 , 0 0 0 w o r k e r s _____ 2 5 . 0 0 0 but l e s s th a n 5 0 , 0 0 0 w o r k e r s _____ 5 0 . 0 0 0 but l e s s th a n 1 0 0 , 0 0 0 w o r k e r s ___ 1 0 0 . 0 0 0 a n d o v e r ________________________________ NOTE: B e c a u s e o f r o u n d in g , W ork ers M u ltie m p lo y e r P la n s P la n s W orkers N o n m a n u f a c tu r in g M a n u fa c tu r in g A l l p la n s s t u d ie d M u ltie m p lo y e r W ork ers S i n g le e m p l o y e r P la n s W ork ers M u ltie m p lo y e r P la n s W ork ers 1 80 2 ,6 5 3 39 670 27 1 60 54 1 ,4 5 1 87 34 17 16 16 4 6 222 241 189 288 502 251 962 13 11 • 8 1 3 1 2 37 78 91 18 1 10 56 281 17 5 3 1 1 47 31 36 15 30 20 9 6 8 8 46 70 72 151 287 - - - _ - - 3 825 s u m s o f in d iv id u a l it e m s m a y not e q u a l t o t a ls . V ir tu a lly e v e r y m a jo r m a n u fa ctu rin g and n o n m a n u factu rin g in d u str y w a s r e p r e s e n te d in th e sa m p le stu d ied (tab le 2 ). A lm o s t 3 out of 4 p la n s (2 1 9 ), c o v e r in g tw o -th ir d s o f the w o r k e r s , w e r e in m a n u fa ctu rin g in d u s tr ie s . A lm o st a th ird o f th e p la n s (9 3 ), c o v e r in g m o r e than 40 p e r c e n t of th e w o r k e r s , w e r e n e g o tia ted by m u ltie m p lo y e r g r o u p s. Of the 3 00 h e a lth and in su r a n c e p la n s stu d ied , 2 3 2 , c o v e r in g 3, 567, 000 w o r k e r s , in clu d ed a c c id e n t and s ic k n e s s b e n e fits (ta b le 2 ). F o u r out o f fiv e 2 C h a n ges in th e o r ig in a l sa m p le w e r e re q u ir e d or w e r e d e s ir a b le fo r the fo llo w in g r e a so n s: D e c r e a s e in p lan c o v e r a g e to fe w e r than 1, 000 w o r k e r s; m e r g e r o r com p an y shutdow n; o r la c k of s u ffic ie n t c u rren t data on a p la n . 3 p la n s in m a n u fa ctu rin g in d u s tr ie s , and h a lf of th e n o n m a n u factu rin g p r o g r a m s stu d ied , con tain ed th is f e a t u r e .3 U n d er a ll but tw o o f the p la n s w ith a c c id e n t and s ic k n e s s b e n e fits , w o r k e r s w e r e c o v e r e d d u rin g a b s e n c e s c a u sed by d is a b ilitie s not r e la te d to th e job (ta b le 3). S ix ty -fiv e p la n s su p p lem en ted w o r k m e n ’s c o m p e n sa tio n b e n e fits by c o v e r in g o ccu p a tio n a l d is a b ilit ie s . A lm o st 90 p e r c e n t of th e s e 65 p la n s c o v e r e d w o r k e r s in m a n u fa ctu rin g in d u s tr ie s . TABLE 2. D i s t r i b u t i o n o f h e a lt h a n d i n s u r a n c e p la n s s t u d ie d b y i n d u s t r y g r o u p and p r o v is io n fo r a c c id e n t and s ic k n e s s b e n e fits , fa ll 1958 ( W o r k e r s in t h o u s a n d s ) A l l p la n s p r o v id in g a c c id e n t an d s i c k n e s s b e n e fits A l l p la n s In d u stry grou p N um ber A l l p la n s s t u d ie d _______________________________________ W ork ers N um ber W ork ers 300 4 ,9 3 3 232 3 ,5 6 7 _ 219 3 ,3 2 3 190 2 ,9 4 8 F o o d an d k in d r e d p r o d u c ts T o b a c c o m a n u fa c tu re s T e x t i l e m i l l p r o d u c t s _ ______ ____ ___________ A p p a r e l a n d o th e r fin is h e d p r o d u c ts L u m b er an d w ood p r o d u c ts, ex c ep t f u r n it u r e _________ _________ F u r n itu r e an d fix t u r e s P a p e r an d a llie d p r o d u c ts P r i n t i n g , p u b l is h i n g , a n d a l l i e d i n d u s t r i e s __________ ______ _______ __ ____ C h e m ic a ls and a llie d p r o d u c ts P e tr o le u m re fin in g an d r e la t e d i n d u s t r i e s _______________________________________________ R u b b er an d m is c e lla n e o u s p la s t ic s p r o d u c ts „ __ __ _______ __ _______ L e a t h e r a n d l e a t h e r p r o d u c t s ________ _ _ S t o n e , c l a y , a n d g l a s s p r o d u c t s ___________________ P r i m a r y m e t a l i n d u s t r i e s __________________________ F a b r i c a t e d m e t a l p r o d u c t s __________________________ M a c h i n e r y , e x c e p t e l e c t r i c a l ______________________ E l e c t r i c a l m a c h in e r y , e q u ip m e n t, a n d s u p p l i e s __ __ __ _____ _ __ _____ _ _____ T r a n s p o r t a t i o n e q u i p m e n t _____ _______ _ I n s t r u m e n t s a n d r e l a t e d p r o d u c t s _________________ M i s c e l l a n e o u s m a n u f a c t u r i n g i n d u s t r i e s _______ 17 168 14 118 3 24 3 24 11 45 10 36 6 395 5 339 3 45 2 34 5 68 4 66 M a n u fa c tu r in g _________ ____ _ _ ______ N o n m a n u f a c t u r i n g __________________________________ M in in g , cru d e p e tr o le u m , and n a tu r a l g a s p r o d u c tio n _ __ _ ___ T r a n s p o r t a t io n _ _ _ C o m m u n ic a tio n s U tilitie s : E le c tr ic and g a s _ W h o l e s a l e a n d r e t a i l t r a d e _________________________ H o te ls and r e s ta u r a n ts . .. S ervices _ NOTE: B e c a u s e o f r o u n d in g , 50 11 38 6 22 5 20 10 109 9 106 8 93 1 21 _ _ ^ ^ ' 8 108 8 108 11 69 8 58 10 77 10 77 21 499 21 499 11 98 10 92 22 147 20 138 16 330 15 326 23 902 19 773 8 33 8 33 7 41 7 41 1,610 42 618 81 4 195 2 11 22 2 871 18 344 38 11 35 _ - 60 8 38 67 3 53 12 5 9 _ C o n s tru c tio n ____ _ M i s c e lla n e o u s n o n m a n u fa c tu r in g in d u s tr ie s _ 13 - 140 2 67 15 196 9 105 1 7 “ s u m s o f in d i v i d u a l i t e m s m a y n o t e q u a l t o t a l s 3 In m an y c a s e s , p la n s ex clu d in g th is b e n e fit p r o v id e d paid sic k le a v e , or w o r k e r s w e r e c o v e r e d by State te m p o r a r y d is a b ility la w s . 4 TABLE 3. T y p e s o f d i s a b ili t ie s c o v e r e d by a c c id e n t an d s ic k n e s s b e n e fits b y in d u s t r y d iv is io n , f a ll 1 9 5 8 _______________________________ ( W o r k e r s in t h o u s a n d s ) A l l p la n s N o n m a n u fa c tu r in g M a n u fa c tu r in g T y p e s o f d is a b ilitie s c o v e r e d A l l p la n s s t u d ie d __________ _____ A l l p la n s p r o v i d i n g a c c i d e n t a n d s i c k n e s s b e n e f i t s _________________ N o n o c c u p a t i o n a l a n d o c c u p a t i o n a l: A c c id e n t an d s ic k n e s s „ -------N o n o c c u p a t i o n a l o n ly : A c c i d e n t a n d s i c k n e s s ___________ O c c u p a t io n a l o n ly : A c c i d e n t o n l y ----------------------------------- tio n a l N um ber W ork ers P la n s W ork ers P la n s W ork ers 300 4 ,9 3 3 219 3 ,3 2 3 81 1 ,6 1 0 232 3 ,5 6 7 190 2 ,9 4 8 42 618 16 3 1 ,6 2 3 l 57 1 ,5 3 9 6 85 167 1 ,9 3 0 1 32 1 ,4 0 6 35 524 2 14 1 4 1 10 1 In c lu d e s 4 p la n s , c o v e r in g 4 9 , 0 0 0 w o r k e r s , w h ic h p r o v id e d b e n e fits a c c id e n t a n d s i c k n e s s a n d o c c u p a t i o n a l a c c i d e n t o n ly . NOTE: B e c a u s e o f r o u n d in g , TABLE 4. fo r nonoccu pa- s u m s o f in d i v i d u a l i t e m s m a y n o t e q u a l t o t a l s . M e t h o d o f f in a n c in g a c c i d e n t a n d s i c k n e s s b e n e f i t s b y ty p e o f e m p l o y e r u n it , f a l l 1 9 5 8 ( W o r k e r s in t h o u s a n d s ) A l l p la n s S i n g le e m p l o y e r M u ltie m p lo y e r P la n s P la n s M e th o d o f fin a n c in g 1 N um ber A l l p la n s s t u d ie d ____ _ A l l p la n s p r o v i d i n g a c c i d e n t an d s ic k n e s s b e n e fits _ _ E m p l o y e r o n ly _ ____ _____ __________ E m p l o y e r a n d w o r k e r _________________ W o r k e r o n ly ______________________________ W ork ers W ork ers 300 4 ,9 3 3 207 2 ,8 1 3 93 2 , 120 232 138 87 7 3 ,5 6 7 1 ,7 1 7 1 ,7 7 8 72 168 77 85 6 2 ,4 3 5 605 1 ,7 6 0 70 64 61 2 1 1 ,1 3 2 1 ,1 1 1 19 2 1 I f th e w o r k e r c o n t r ib u t e d t o w a r d t h e c o s t o f th e h e a lt h a n d i n s u r a n c e w h o l e (w it h th e e m p l o y e r p a y in g th e r e m a i n i n g c o s t ) , th e a c c i d e n t an d s i c k n e s s c l a s s i f ie d a s jo in tly fin a n c e d . NOTE: B e c a u s e o f r o u n d in g , W ork ers program as a b e n e f it s w e r e s u m s o f in d iv id u a l i t e m s m a y not e q u a l t o t a ls . T he e m p lo y e r paid th e fu ll c o s t of a c c id e n t and s ic k n e s s b e n e fits in out 10 p la n s (ta b le 4 ). U n d er a lm o s t a ll o f th e rem a in in g p la n s, w o r k e r s sh a red th e c o s t o f th is c o v e r a g e by co n trib u tin g d ir e c tly to w a rd the c o s t of th is b e n e fit o r of th e h e a lth and in su r a n c e p r o g r a m a s a w h o le . A p p r o x im a te ly the sa m e p r o p o rtio n of w o r k e r s w e r e c o v e r e d by e m p lo y e r fin a n ced and jo in tly fin a n ced b e n e fits . A m a jo r ity of p la n s in v o lv in g s in g le e m p lo y e r s r e q u ir e d the w o r k e r to pay p art of th e c o s t of th is c o v e r a g e . W ith few e x c e p tio n s , b e n e fits under m u ltie m p lo y e r p la n s w e r e fin a n ced e n tir e ly by th e e m p lo y e r s p a r tic ip a tin g in th e p la n . S in ce la te 1955, no sig n ific a n t ch an ge h a s o c c u r r e d in th e m eth o d o f fin a n cin g a c c id e n t and s ic k n e s s b e n e fits in the p la n s stu d ied . 6 5 E lig ib ility R e q u ir e m e n ts 4 A c c id e n t and s ic k n e s s b e n e fits , fo r o th er than m a te r n ity c a s e s , b e c a m e a v a ila b le to n ew ly h ir e d w o r k e r s a fte r a p e rio d of s e r v ic e w h ich w a s u su a lly lon g en ou gh to se p a r a te the te m p o r a r y and r e g u la r e m p lo y e e s but not so lon g a s to c o n stitu te a s e r v ic e r e q u ir e m e n t of th e paid v a ca tio n ty p e . F o u r out of fiv e p la n s r eq u ired e m p lo y m en t of l e s s than 4 m o n th s (ta b le 5 ). O nly fiv e p la n s h eld o ff c o v e r a g e fo r 11 or 12 m o n th s. In 57 p la n s, the new w o r k e r w a s c o v e r e d w ith in a m on th a fte r r e p o r tin g to w o rk , in so m e c a s e s on th e f ir s t d a y . P r e s u m a b ly fo r a cco u n tin g p u r p o s e s , abou t one out o f fiv e p la n s c o v e r e d the w o r k e r a t the b egin n in g of th e m onth fo llo w in g th e c o m p le tio n of the e lig ib ilit y p e r io d . TABLE 5. E li g i b i lit y r e q u ir e m e n t s fo r a c c id e n t and s ic k n e s s b e n e fits , fa ll 1958 ( W o r k e r s in t h o u s a n d s ) P la n s E lig ib ility r e q u ir e m e n ts A l l p la n s s t u d ie d ____ _ _____________________ A l l p la n s p r o v i d i n g a c c i d e n t a n d s i c k n e s s b e n e fits A f t e r e m p l o y m e n t f o r -— L ft s s th an I m o n t h 1 a n d l e s s th a n 2 m o n t h s ________________________________ 2 an d l o s s th an 3 m onths? _ 3 a n d l e s s th a n 4 m o n t h s __ ________ ______ _ 4 an d l o s s th an 5 m o n t h s 6 a n d l e s s th a n 7 m o n t h s _______ _ _________ ____ 11 an d l o s s th an 12 m o n t h s 12 a n d l e s s th a n 13 m o n t h s ______ _____________ F i r s t o f m o n t h f o l lo w i n g c o m p l e t i o n o f e m p lo y m e n t f o r — L e s s th an 1 m o n th 1 an d l o s s th an 2 m o n t h s ... 2 an d l o s s than .3 m o n t h s ____ __ 3 a n d l e s s th a n 4 m o n t h s ________________________________ 6 an d l e s s th a n 7 m o n t h s _ O th e r _ _ _ W ork ers 300 4 ,9 3 3 232 3 ,5 6 7 51 34 19 53 3 20 1 4 722 882 114 484 56 220 6 24 6 15 7 8 2 66 317 539 63 4 19 I 70 1 I n c l u d e s 7 p l a n s , c o v e r i n g 6 1 , 5 0 0 w o r k e r s , th a t m a d e a c c id e n t a n d s i c k n e s s b e n e f i t s a v a i l a b l e th e f i r s t o f m o n t h f o l lo w i n g c o m p l e t i o n o f e lig ib ility r e q u ir e m e n ts , NOTE: equ al to ta ls . B e c a u s e o f r o u n d in g , sum s o f in d iv id u a l i t e m s m ay not T he w o r k e r 1s a g e a t h irin g r a r e ly b a r r e d h im fr o m c o v e r a g e under the a c c id e n t and s ic k n e s s b e n e fit p o rtio n of th e h e a lth and in su r a n c e p la n s stu d ied . O nly th r e e p la n s lim ite d c o v e r a g e to w o r k e r s under a s p e c ifie d a g e . One of th e s e p la n s r e s tr ic te d the b e n e fit to w o r k e r s under a g e 55 w h en h ired ; a n o th er, 4 A s d is c u s s e d in th is s e c tio n , e lig ib ilit y r e q u ir e m e n ts r e fe r o n ly to the p e rio d o f em p lo y m en t req u ir e d b e fo r e a w o r k e r is e lig ib le to p a r tic ip a te in th e p la n . T h e s p e c ifie d w a itin g p e rio d fo r a c c id e n t and s ic k n e s s b e n e fits , and the p erio d a w o rk e r m u st be in su r e d in o rd e r to be e lig ib le fo r m a te r n ity a c c id e n t and s ic k n e s s b e n e fits , a r e d is c u s s e d s e p a r a te ly . In a d d itio n to s p e c ify in g an em p lo y m e n t r e q u ir e m e n t, a few p la n s a ls o re q u ir e d a p e rio d o f union m e m b e r sh ip . T h is p e rio d r a r e ly e x c e e d e d th e em p lo y m en t r e q u ir e m e n t. 6 to th ose under 65; and the th ird , to w o r k e rs under 7 0. L im ita tio n s p la ce d on b e n e fits fo r e m p lo y e d w o r k e r s upon rea ch in g a s p e c ifie d age a ls o a ffe cte d new ly h ire d o ld e r w o r k e r s . T h e se lim ita tio n s a re d is c u s s e d la te r in this r e p o r t. N on occu p a tion a l A c c id e n t and S ick n ess B e n e fits The th ree k ey e le m e n ts o f a ccid e n t and s ick n e ss plans w h ich d eterm in e the am ount o f fin a n cia l p r o te c tio n the w o r k e r r e c e iv e s in the event o f d isa b ility a r is in g o ff the jo b a re ( l ) the am ount o f w eek ly paym ent p ro v id e d , (2) the w aiting p e r io d , i. e . , the nu m ber o f in itia l days o f a b s e n ce fo r w hich he d o e s not r e c e iv e paym ent, and (3) the m axim u m duration o f b en efit paym ent. B a s is fo r D eterm in in g A m ou n t. — With few e x cep tion s am ong the plans studied, the w eek ly b e n e fit payable w as e ith e r a fla t (u n iform ) am ount o r a v a r ia ble am ount d e te rm in e d by an e a rn in g s sca le o r the in dividual w o r k e r ’ s ea rn in g s (table 6). M o re than h a lf o f the plans (124) s p e c ifie d a u n iform am ount fo r a ll c o v e r e d w o r k e r s . H o w e v e r, a la r g e r p ro p o rtio n o f w o r k e r s w e re c o v e r e d by the 99 plans graduating the am ount a c c o r d in g to ea rn in g s . Som e o f the plans in this study that had p ro v id e d a flat am ount in late 1955, in 1958 b a sed th eir b en efits on e a rn in g s . TABLE 6. B a s i s fo r d e te r m in in g n o n o c c u p a tio n a l a c c id e n t an d s ic k n e s s b e n e f it a m o u n t b y ty p e o f b a r g a i n i n g u n it , f a l l 1 9 5 8 ( W o r k e r s in t h o u s a n d s ) S i n g le e m p l o y e r A l l p la n s M u ltie m p lo y e r B a s is fo r d e te r m in in g a m o u n t N um ber A l l p la n s s t u d ie d W ork ers P la n s W ork ers P la n s W ork ers ______________________________ 300 4 ,9 3 3 207 2 ,8 1 3 93 2 , 120 A l l p la n s p r o v i d i n g n o n o c c u p a t i o n a l a c c i d e n t a n d s i c k n e s s b e n e f i t s _________ 230 3 ,55 3 168 2 ,43 5 62 1,118 F l a t a m o u n t ___ _ ___ ___ _ ______ _ U n i f o r m a m o u n t ____________________________ W ith s tip u la te d m a x im u m p e r c e n ta g e o f e a rn in g s G r a d u a t e d a c c o r d i n g to e a r n i n g s ________ W ith s tip u la te d m in im u m an d m a x i m u m ______ _________ ______ _____ W ith s tip u la te d m a x im u m __ _____ W ith n o s tip u la te d m in im u m o r m a x i m u m __________________________________ O th e r _ ______ _____ _______________________ 1 I n c l u d e s 1 p la n , c o v e r i n g age 68 or o v e r w hen h ir e d . NOTE: B e c a u s e o f r o u n d in g , 5 ,0 0 0 124 1,360 86 674 38 686 115 1,30 4 81 662 34 642 9 56 5 12 4 44 99 1,964 79 1,727 20 238 125 81 1,792 68 1,667 13 1 17 128 11 60 6 67 1 45 - - 1 45 7 228 3 34 4 194 w orkers, th a t p r o v id e d a fla t a m o u n t fo r w orkers s u m s o f in d i v i d u a l i t e m s m a y n o t e q u a l t o t a l s . U nder nine u n iform plans co v e rin g 56, 000 w o r k e r s , a ce ilin g w as p la ced on the am ount payable in r e la tio n to ea rn in g s . In six c a s e s , the stipulated am ount w as payable only if it w a s not g r e a te r than 6 6 % p e rce n t of the w o r k e r ’ s ea rn in g s. T w o plans set the lim it at 70 p e rce n t and one at 75 p e rce n t. P lan s w hich graduated the a ccid e n t and s ic k n e s s b e n e fits a c c o r d in g to ea rn in gs e ith e r paid a p e rce n ta g e o f the w o r k e r ’ s w eek ly w age (32 p la n s) o r a fix e d am ount a ss ig n e d to the w age c la s s ific a t io n in w h ich the w o r k e r ’ s w eek ly ea rn in gs fe ll (67 p la n s). 7 A s shown b e lo w , 15 o f the plans paying a stipulated p e rce n t o f the w o r k e r ^ wage design ated 50 p e rce n t o f w eek ly earning as the w eek ly am ount a llo w a b le . P e r c e n t o f ea rn in gs sp e cifie d A ll plans determ in in g n on occu pation al a ccid e n t and sic k n e s s b en efits on a p e rce n t o f ea rn in gs b a s is ____________ 50 p e rce n t ______________________________ 60 p e rce n t ______________________________ 662/3 p e rce n t ___________________________ 70 p e rce n t ______________________________ P lan s W ork ers (in thousands) 32 392 15 251 72 34 15 6 7 2 NOTE: B e ca u se o f rounding, sum s o f individual item s m ay not equal to ta ls. H ow ev er, these 32 plans, with one ex cep tion , fix ed a m axim um benefit, fr o m $ 3 0 to $ 12 0. F o u rte e n plans a ls o e sta b lish ed a m in im u m be shown b e lo w . M inim um and m axim u m b en efits A ll plans determ in in g non occu pation al a ccid e n t and sick n e ss b en efits on a p e rce n t o f ea rn in gs b a s is with a stip u lated m in im u m and/ o r m axim u m w eek ly am ount _________ M inim um $23 25 10 10 - 10 20 26 33 - 10 - 35 - - P lan s W ork ers (in thousands) 31 347 1 1 3 1 4 1 1 3 1 1 1 1 1 1 1 2 1 1 11 1 2 1 39 4 8 2 21 3 3 18 3 10 28 18 7 5 11 24 5 1 116 4 16 4 M axim um $30 30 35 40 40 41. 50 45 45 45 45 45 50 50 55 57 60 65 75 85 85 100 120 1 U nder th is plan w o r k e r s earning le s s than $ 3 , 000 a y e a r w e re guaranteed a m in im u m b en efit o f $ 3 2 .5 0 . NOTE: B e ca u se o f rounding, sum s o f individual item s m ay not equ al to ta ls . 8 Inherent in the 67 plans that g e a re d b e n e fits to earn in gs c la s s ific a tio n s w e re m in im u m and m a x im u m am ounts esta b lish e d by the lo w e st and h igh est wage c a t e g o r ie s . F o r e x a m p le , a plan design atin g the follow in g b en efit schedule would pay no le s s than $ 4 5 and no m o r e than $1 0 0 w eek ly . B a se h o u rly rate U nder $ 2 . 03 $ 2 .2 8 $ 2 . 53 $ 2 .7 8 $ 3 .0 3 $ 3 .2 8 $ 3 .5 3 $ 3 .7 8 $ 4 . 02 $2. but but but but but but but but and 03 ________________________________ le s s than $ 2 . 28 _________________ le ss than $ 2 .5 3 ________________ le s s than $ 2 . 78 ________________ le s s than $ 3 .0 3 ________________ le s s than $ 3 .2 8 _________________ le s s than $ 3 .5 3 _________________ le s s than $ 3 .7 8 _________________ le s s than $ 4 . 02 _________________ o v e r _____________________________ W eekly b en efit $45 55 60 65 70 80 85 90 95 100 A m ount o f B en efit (a note on m e th o d o lo g y ) . — In o r d e r to tabulate the am ount o f b e n e fits p ro v id e d by graduated plan s, it is n e c e s s a r y to ch o o se a s p e c ific ea rn in gs le v e l and to ca lcu la te the am ount o f b en efit payable to a w o rk e r at that le v e l. F o r this study, a $ 4 , 0 0 0 -a -y e a r le v e l (w eek ly equ ivalen t— $ 7 6 .9 2 ) w as s e l e c t e d .5 The w eek ly paym ents shown in th is r e p o r t fo r $ 4 , 0 0 0 -a -y e a r w o r k e r s under graduated plan s, it is im portan t to note, w ould not be a p p lica b le to a n oth er ea rn in gs le v e l. U nder flat o r u n iform plan s, the rela tion sh ip o f b en efit le v e ls to a w eek ly w age o f $ 7 6 .9 2 o r to any oth er a r b it r a r ily s e le c te d ea rn in g s le v e l can, o f c o u r s e , be r e a d ily com p u ted . H ow ev er, the ben efit am ount under m any flat plans is g e a re d to the e x p e cte d le v e l o f ea rn in gs o f w o r k e r s c o v e r e d by the plan. If this le v e l v a r ie s su bstan tially fr o m the one a r b itr a r ily s e le c te d , the rela tion sh ip m en tion ed above w ould be u n r e a lis tic . F o r ex a m p le, if w o r k e r s c o v e r e d by a flat plan a re e x p e cte d to ea rn $ 6 ,0 0 0 a y e a r (o r at that ra te ) the le v e l of a ccid e n t and s ic k n e s s b e n e fits p ro v id e d by the plan w ould tend to r e fle c t this e x p e cta n cy . R ela tin g th is le v e l o f b e n e fits to a $ 4 , 0 0 0 -a -y e a r w age w ould ex a g g era te the p r o p o r tio n o f ea rn in gs p ro v id e d by the plan. F o r the above r e a s o n s , th is study m ust deal sep a ra tely with b en efit le v e ls o f flat and graduated pla n s, w ithout com bin in g them to p re s e n t a p ictu re of a ll 230 plans p ro v id in g n on occu p a tion a l a ccid e n t and s ick n e ss b e n e fits . In addition, data fo r flat and graduated plans have b een tabulated se p a ra tely in o r d e r to r e late w aiting p e r io d s to the b a s is fo r d eterm in in g am ount o f b en efit as w e ll as du ration o f paym en ts to the am ounts of b e n e fits . A m ount o f B en efit U nder F lat P la n s . — The w eek ly ben efit p rov id ed under the 123 flat plans ran ged fr o m le s s than $ 15 to $ 6 5 , with the m edian plan paying $ 3 5 (table 7). A p p ro x im a te ly h a lf of the w o r k e rs c o v e r e d by flat plans r e c e iv e d le s s than $ 35 a w eek in b e n e fits . A lm o s t 12 p e rce n t of the w o r k e rs (under 12 pla n s) r e c e iv e d l e s s than $2 5 a w eek , and 7 p e rce n t (under 13 plan s) r e c e iv e d 5 T o in dica te how this a r b itr a r y le v e l re la te s to ea rn in g s in g e n e ra l, S ep tem b er 1958, g r o s s a v e ra g e w eek ly ea rn in gs (including o v e r tim e ) o f p r o d u c tion w o r k e r s in a ll m an u factu rin g e sta b lish m en ts am ounted to $ 8 5 .3 9 . in 9 T A B L E 7. D i s t r i b u t i o n o f p la n s p r o v i d i n g f l a t a m o u n t o f n o n o c e u p a t io n a l a c c id e n t a n d s i c k n e s s b e n e f it s b y a m o u n t p r o v i d e d a n d d u r a t i o n o f b e n e f it p e r i o d , f a l l 19 5 8 1 M a x i m u m d u r a t i o n o f b e n e f it s A m o u n t o f w e e k ly n o n o c e u p a t i o n a l b e n e f it s A ll p la n s P e r d is a b ility 20 w e e k s 13 w e e k s W ork N um ber ers P la n s W ork ers P la n s 26 w eeks W ork ers P la n s 52 w eeks W ork ers P la n s W ork ers A l l p la n s p r o v i d i n g a f l a t a m o u n t ___ 2 123 1 ,3 5 4 44 405 4 71 65 524 2 11 L e s s th a n $ 1 5 ____________________________ $ l 5 3 3 4 2 12 4 92 20 23 21 101 320 96 19 154 3 241 4 65 101 67 18 1 9 3 3 4 _ - _ - - 24 4 77 3 44 - 1 - 8 - 1 - 9 - 1 1 4 4 56 73 198 4 25 101 60 - - _ - 8 2 5 2 2 - _ 35 - _ - 1 11 - 92 20 23 4 97 - 2 - $ 2 0 ___________________________________________ $ 2 0 . 0 1 b u t l e s s th a n $ 2 5 ____________ $ 2 5 .............................................................................. $ 2 5 . 0 1 bu t l e s s th a n $ 3 0 _ _ __ _ $ 3 0 _________ $ 3 0 . 0 1 bu t l e s s th a n $ 3 5 ____________ $ 3 5 ___________________________________________ $ 3 5 . 0 1 bu t l e s s th a n $ 4 0 ____________ $ 4 0 .............................................................................. $ 4 0 . 01 bu t l e s s th a n $ 4 5 $ 4 5 __ ..................................................................... $ 4 5 . 0 1 b u t l e s s th a n $ 5 0 ____________ $ 5 0 ........................................................................... $ 5 0 . 01 b u t l e s s th a n $ 5 5 __________ $ 5 5 ............................................................................... $ 6 5 .............................................................................. 19 4 12 2 22 1 10 12 10 1 1 1 1 - 2 - 2 - 3 33 - 9 - - 1 - 1 1 10 5 20 1 7 12 7 1 1 1 - - - - - M a x i m u m d u r a t io n o f b e n e f i t s P er year W ork - P la n s 26 w eek s 20 w eeks 13 w e e k s W ork ers P la n s ers W ork - P la n s 32 281 1 L e s s th a n $ 15 $ 15 _ . _ $70 $ 2 0 . 0 1 b u t l e s s th an $ 2 5 __ ______ $25 ....................................................................... $ 2 5 . 01 b u t l e s s th a n $ 3 0 ____________ $ 3 0 ............................................................................... $ 3 0 . 01 b u t l e s s th a n $ 3 5 _ - _ - _ _ 2 - 281 - - - 1 _ - 16 - 6 18 _ - - - - $ 3 5 .............................................................................. $ 3 5 . 0 1 bu t l e s s th an $ 4 0 $40 $ 4 0 . 01 b u t l e s s th a n $ 4 5 $45 $ 4 5 . 0 1 but l e s s th a n $ 5 0 $50 ___ _ _________ $ 5 0 . 0 1 b u t l e s s th an $ 55 $ 5 5 ___________________________________________ $ 6 5 .............................................................................. 16 ers A l l p la n s p r o v i d i n g a f l a t a m o u n t ___ 2 1 1 24 - 1 B a s e d on a s tu d y o f 3 0 0 h e a lt h a n d i n s u r a n c e p la n s u n d e r c o l l e c t i v e b a r g a i n i n g , c o v e r i n g a p p r o x i m a t e l y 5 m i l l i o n w o r k e r s , o f w h ic h 2 3 0 p la n s p r o v i d e d n o n o c e u p a t i o n a l a c c id e n t an d s i c k n e s s b e n e f i t s . 2 E x c l u d e s 1 p la n , c o v e r i n g 6 , 0 0 0 w o r k e r s , th a t p r o v i d e d a l o w e r b e n e f it th e f i r s t w e e k th a n th a t p r o v i d e d d u r in g the r e m a i n d e r o f th e b e n e f i t p e r i o d ; i n c l u d e s 1 p la n , c o v e r in g 1 7 ,0 0 0 w o r k e r s , th a t p r o v i d e d b e n e f it s o f an u n li m i t e d p e r io d , 2 p la n s , c o v e r in g 4 ,3 0 0 w orkers, th a t p ro v id e d b e n e f it s fo r 39 w e e k s p e r d is a b ilit y , an d 9 p la n s , c o v e r in g 1 6 4 , 800 w o r k e r s , th a t p r o v id e d a l o w e r b e n e f it fo r w o m e n . 3 I n c lu d e s 2 p l a n s , c o v e r i n g 2 8 1 , 0 0 0 w o r k e r s , th a t p r o v i d e d s e p a r a t e l y f o r 13 w e e k s p e r y e a r f o r a c c i d e n t an d J 3 w e e k s p e r y e a r f o r s i c k n e s s . NOTE: B e c a u s e o f r o u n d in g , s u m s o f in d iv id u a l i t e m s maty n o t e q u a l t o t a l s . 10 $ 5 0 o r m o r e . On the w h ole, m ethod of financing d o e s not ap p ear to be a m a jo r fa c to r in a ccou n tin g fo r d iffe r e n c e s am ong plans in the le v e l o f b e n e fits (table 8). TABLE 8. D i s t r i b u t i o n o f p la n s p r o v i d i n g f l a t a m o u n t o f n o n o c c u p a t i o n a l a c c i d e n t and s ic k n e s s b e n e fits by a m o u n t p r o v id e d and m e th o d o f fin a n c in g , f a ll 1 9 5 8 1 ( W o r k e r s in t h o u s a n d s ) A m o u n t o f w e e k ly n o n o c c u p a t i o n a l b e n e f it N um ber A l l p la n s p r o v i d i n g a f l a t a m o u n t — U n d e r $ 15 $ 15 _ ___ $ 2 0 ______ ____ _ _ $ 2 0 . 01 bu t l e s s th a n $ 2 5 ____________ $ 75 $ 2 5 . 01 b u t l e s s th a n $ 30 ____________ $30 _________________________ _ ____ __ $ 3 0 . 0 1 bu t l e s s th a n $ 3 5 ____________ $35 . ..... ____ $ 3 5 . 0 1 bu t l e s s th a n $ 4 0 ___ _______ $ 40 $ 4 0 . 01 bu t l e s s th a n $ 4 5 ____________ $ 4 5 ___________________________________________ $ 4 5 . 01 bu t l e s s th a n $ 5 0 ________ __ $ 5 0 ___________________________________________ $ 5 0 . 0 1 bu t l e s s th a n $ 5 5 ____________ $ 5 5 ______ _ _ _ _ _ _ $ 6 5 ---------------------------------------------------------- B e n e fit s fin a n c e d b y — A ll p la n s W ork ers E m p l o y e r o n ly E m p lo y e r and e m p lo y e e P la n s P la n s W ork ers 2 123 1 ,3 5 4 83 1 ,0 4 4 3 3 4 2 12 4 19 4 12 2 92 20 23 21 101 320 96 19 154 3 2 3 - 92 18 20 - 9 4 14 2 8 3 2 22 2 41 1 10 12 10 1 1 1 65 101 67 18 1 16 1 6 3 7 1 1 1 58 320 77 10 91 3 182 4 9 38 W ork ers E m p lo y e e P la n s o n ly W ork ers 287 2 23 _ _ _ _ 1 1 2 3 - 2 3 21 43 - _ _ - 4 2 17 9 64 60 10 1 - 2 _ - 4 - 4 6 - 55 4 52 35 18 1 9 9 ~ 2 - 49 11 - 1 - 21 “ 1 B a s e d on a s t u d y o f 3 0 0 h e a lt h an d i n s u r a n c e p la n s u n d e r c o l l e c t i v e b a r g a i n i n g c o v e r i n g a p p r o x i m a t e l y 5 m i l l i o n w o r k e r s , o f w h ic h 2 3 0 p l a n s p r o v i d e d n o n o c c u p a t i o n a l a c c id e n t a n d s i c k n e s s b e n e f i t s . 2 9 p la n s , c o v e r in g 1 6 4 ,8 0 0 w o r k e r s , p r o v id e d a lo w e r b e n e fit fo r w o m e n . E x c l u d e s 1 p la n , c o v e r i n g 6 , 0 0 0 w o r k e r s , u n d e r w h ic h th e w e e k ly b e n e f i t p r o v i d e d d u r i n g th e f i r s t w e e k o f th e b e n e f it p e r io d w a s l o w e r th a n th a t p r o v i d e d d u r i n g th e r e m a i n d e r o f th e b e n e f i t p e r i o d . NOTE: B e c a u s e o f r o u n d in g , s u m s o f i n d iv id u a l i t e m s m a y n o t e q u a l t o t a l s . A bout 3 out o f 10 flat plans paid w eek ly b e n e fits o f $45 o r m o re in late 1958, co m p a re d w ith about 1 out o f 16 in late 1955 (ch a rt). The p ro p o rtio n of plans paying le s s than $ 3 5 a w eek d e c r e a s e d fr o m a lm o st three out o f five in 1955 to sligh tly m o r e than tw o out o f fiv e in 1958. A m ount o f B en efit U nder Graduated P la n s . 6— U nder graduated plans r e lating b en efit le v e ls to e a rn in g s le v e ls , the w eek ly b en efit p rov id ed w o r k e rs earn in g $ 4 , 000 y e a r ly ran ged fr o m $ 15, o r 20 p ercen t o f the w eek ly w age (b e fo re de d u ctio n s), to $ 5 6 , o r m o r e than 70 p ercen t of the w eek ly wage (table 9). The m edian plan paid $ 4 0 a w eek , o r sligh tly m o r e than h a lf the w eek ly w a g e. The le v e ls p ro v id e d by co n trib u to ry plans w e r e , on the a v e ra g e , h igher than those p ro v id e d under plans fin a n ced e n tire ly by the e m p lo y e r (table 10). 6 Since b en efit le v e ls fo r only the $ 4, 0 0 0 -a -y e a r w o rk e r w e re com puted fo r graduated plan s, the num ber o f w o r k e rs shown in the accom p a n y in g tabu la tion s at v a rio u s b en efit le v e ls do not in dicate the num ber r e c e iv in g the b e n e fit (as in the ca se o f flat p la n s) but the total num ber o f w o r k e rs co v e re d by the plan s. 11 WEEKLY NONOCCUPATIONAL ACCIDENT AND SICKNESS BENEFITS IN SELECTED HEALTH AND INSURANCE PLANS LATE 1955 A N D FALL 1958 1 Percent of Plans $20 Percent, of Plans to $24.99 to $29.99 to $34.99 to $39.99 to $44.99 to $49.99 * None UNITED STATES DEPARTMENT OF LABOR BUREAU OF LABOR STATISTICS 1 Based on studies of 300 health and insurance plans under collective bargaining. 2 Weekly equivalent - $76.92 and O ver 12 TABLE 9. D i s t r i b u t i o n o f p la n s p r o v i d i n g g r a d u a t e d a m o u n t o f n o n o c c u p a t i o n a l a c c i d e n t and s ic k n e s s b e n e fits by a m o u n t p r o v id e d w o r k e r s e a r n in g $ 4 , 0 0 0 y e a r ly an d d u r a tio n o f b e n e fit p e r io d , fa ll 1 9 5 8 1 ( W o r k e r s in t h o u s a n d s ) M a x i m u m d u r a t io n o f b e n e f it s A ll p la n s b e n e fits fo r P e r d is a b ility $ 4 ,0 0 0 -a -y e a r w o rk e r2 N um ber A l l p la n s g r a d u a t in g th e a m o u n t a c c o r d i n g to e a r n i n g s a lo n e _____ $15 ____________________________________________ $ 2 5 . 0 1 bu t l e s s th a n $ 3 0 ______________ $ 3 0 ____________________________________________ $ 3 0 . 0 1 bu t l e s s th a n $ 3 5 ______________ $ 3 5 ____________________________________________ $ 3 5 . 0 1 bu t l e s s th a n $ 4 0 _____________ $ 4 0 ____________________________________________ $ 4 0 . 0 1 bu t l e s s th a n $ 4 5 _____ ______ ________ _ ___ _ _____ $45 $ 4 5 . 0 1 bu t l e s s th a n $ 5 0 ______________ $50 _ _ _ ___ $ 5 0 . 0 1 bu t l e s s th a n $ 5 5 _____________ $ 5 5 . 0 1 bu t l e s s th a n $ 6 0 _____________ 20 13 w e e k s W ork ers 3 97 P la n s 1 ,9 3 8 1 1 15 5 3 56 32 44 336 105 5 4 9 15 15 13 13 439 571 257 56 25 10 5 5 1 10 W ork ers w eeks P la n s 87 4 _ 26 W ork ers 1 ,5 9 9 4 . . . . - - - - - 3 4 4 3 8 - - - - - - 3 3 5 - 13 - - 11 4 40 10 12 - - - 5 3 - 1 1 5 ~ - W ork ers 4 64 40 - - w eeks P la n s 5 3 - 52 W ork ers 1 1 1 43 - w eeks 13 6 P la n s 92 10 - - 32 - - 12 244 .62 426 571 164 56 13 10 _ - - _ - _ _ 3 - 85 - 1 7 - - M a x im u m d u r a tio n o f b e n e fits P er year 20 w e e k s 13 w e e k s W ork ers P la n s A l l p la n s g r a d u a t in g the a m o u n t a c c o r d i n g to e a r n i n g s a l o n e ________ $ 1 5 ____________________________________________ $ 2 5 . 0 1 but l e s s th a n $ 3 0 _____________ $ 3 0 ____________________________________________ $ 3 0 . 0 1 bu t l e s s th a n $ 3 5 _____________ $ 3 5 . 0 1 bu t l e s s th a n $ 4 0 _____________ $ 4 0 ____________________________________________ $ 4 0 . 0 1 bu t l e s s th a n $ 4 5 _____________ $ 4 5 ____________________________________________ $ 4 5 . 0 1 bu t l e s s th a n $ 5 0 _____________ $ 5 0 .0 1 $ 5 5 .0 1 bu t l e s s th a n $ 5 5 bu t l e s s th a n $ 6 0 _____________ _____________ 26 w eek s W ork ers P la n s W ork ers P la n s 21 3 27 _ _ _ _ - - - - - - - - - - 39 _ - 2 20 3 21 2 53 59 _ _ _ _ 1 - _ _ - - 63 - 19 - - _ _ _ - - 1 8 - - " ' - - “ “ 1 B a s e d on a s t u d y o f 3 0 0 h e a lt h an d i n s u r a n c e p la n s u n d e r c o l l e c t i v e b a r g a i n i n g , c o v e r i n g a p p r o x i m a t e l y 5 m i l l i o n w o r k e r s , o f w h ic h 2 3 0 p la n s p r o v i d e d n o n o c c u p a t i o n a l a c c id e n t an d s i c k n e s s b e n e f i t s . * W e e k l y e q u i v a le n t — $ 7 6 . 9 2 . 3 E x c l u d e s 2 p l a n s , c o v e r i n g 2 6 , 0 0 0 w o r k e r s , u n d e r w h ic h th e w e e k l y a m o u n t p r o v i d e d d u r in g th e f i r s t p a r t o f th e b e n e f i t p e r i o d w a s h i g h e r than th a t p r o v i d e d d u r in g th e l a t t e r p a r t o f th e b e n e f it p e r i o d . I n c lu d e s 1 p l a n , c o v e r i n g 1 3 , 0 0 0 w o r k e r s , th a t p r o v i d e d b e n e f i t s f o r 15 w e e k s p e r d i s a b i l i t y ; an d 2 p l a n s , c o v e r i n g 8 , 0 0 0 w o r k e r s , p r o v i d e d a lo w e r b e n e f it f o r w o m e n . 4 I n c l u d e s 1 p l a n , c o v e r i n g 1 9 , 3 0 0 w o r k e r s , th a t p r o v i d e d b e n e f i t s f o r 2 6 w e e k s p e r d i s a b i l i t y bu t l i m i t e d th e n u m b e r o f b e n e f it p a y m e n t s p e r y e a r to 3 6 . 5 I n c l u d e s 1 p la n , c o v e r i n g 1 8 , 0 0 0 w o r k e r s , th a t p r o v i d e d b e n e f i t s s e p a r a t e l y f o r 1 3 w e e k s p e r y e a r f o r a c c i d e n t s a n d 13 w e e k s p e r y e a r f o r s i c k n e s s . 6 I n c lu d e s 1 p la n , c o v e r i n g 2 , 5 0 0 w o r k e r s , th a t p ro v id e d b e n e fits s e p a r a te ly f o r a c c i d e n t s an d 2 0 w e e k s p e r y e a r f o r s i c k n e s s . NOTE: B e c a u s e o f r o u n d in g , s u m s o f i n d iv id u a l i t e m s m a y n o t e q u a l t o t a l s . fo r 20 w eek s per year 13 A lm o s t h a lf o f the plans paid m o re than $ 4 0 a w eek to the $ 4 , 0 0 0 -a y e a r w o r k e r in 1958, co m p a re d w ith sligh tly m o re than a fourth in late 1955. The upw ard tren d in b e n e fit le v e ls sin ce 1955, a s r e fle c te d in the a ccom p a n y in g T A B L E 10. b y D is trib u tio n o f p la n s a m o u n t p ro v id e d p ro v id in g w o rk e rs g ra d u a te d e a rn in g $ 4 , 000 (W o rk e rs A m o u n t $4 , 0 0 0 -a -y e a r p la n s g r a d u a tin g a c c o r d in g to th e e a rn in g s 3 97 P la n s W o rk e rs P la n s W o rk e rs 47 _ 5 _ 56 3 50 2 6 - - 32 - - 4 32 _ - 5 4 th a n $40 ________ 4 3 $ 3 5 ______________ _____ 1 ,5 0 1 1 th a n _ 49 1 b u t le s s _ _ 391 . 3 _ W o rk e rs o n ly _ 1 _ E m p lo y e e e m p lo y e e . 5 ______________ b u t le s s and - 1 $ 3 0 _ b y - E m p lo y e r o n ly 44 th a n $ 3 0 __ $4 0 P la n s 1 ,9 3 8 b u t le s s $3 5 B e n e f it f in a n c e d b e n e f it s 1958 1 am ount a l o n e _______ $ 2 5 . 01 $ 3 5 . 01 fa ll th o u s a n d s ) E m p lo y e r W o rk e rs s ic k n e s s o f f in a n c in g , w o rk e r 2 $ 1 5 ............................................................................................. .. $ 3 0 . 01 m e th o d p la n s N u m b e r A ll in and A ll o f w e e k ly n o n o c c u p a t io n a l b e n e f it s fo r n o n o c c u p a t io n a l a c c id e n t a n d y e a r ly 9 44 6 28 2 14 15 336 11 90 3 244 _ 1 1 1 2 _ - 15 105 8 35 7 ______________ 13 439 1 13 12 426 _ - $ 4 5 ................................................................................................ 13 571 2 37 9 490 2 44 $ 4 5 . 01 b u t le s s 10 257 5 63 5 194 - _ $ 5 0 _________________________________________ 5 56 3 43 2 13 _ _ 5 25 4 21 1 4 _ 1 10 1 10 - - $ 4 0 . 01 __ b u t le s s th a n th a n $45 $ 5 0 $ 5 0 . 01 b u t le s s th a n $ 55 $ 5 5 . 01 b u t le s s th a n $ 6 0 1 m a t e ly B a se d 5 on m illio n W e e k ly 3 in g w as 2 2 6 ,0 0 0 h ig h e r p la n s , a th a n N O T E : __ s tu d y of w o rk e rs , c o v e rin g u n de r h e a lt h 230 and in s u ra n c e p la n s p ro v id e d p la n s u n d e r c o lle c t iv e b a r g a in in g n o n o c c u p a t io n a l a c c id e n t and _ - c o v e rin g s ic k n e s s a p p r o x i b e n e f it s . $ 7 6 .9 2 . 8, 300 w o rk e rs , w h ic h th a t p r o v id e d B e cau se 300 o f w h ic h e q u iv a le n t— w o rk e rs , _ 71 th e d u rin g o f ro u n d in g , p ro v id e d w e e k ly th e sum s la t t e r a b e n e f it p a rt lo w e r b e n e f it p ro v id e d o f th e fo r d u rin g w o m e n . th e firs t E x c lu d e s p a rt of th e 2 p la n s , c o v e r b e n e f it p e rio d b e n e f it p e r io d . o f in d iv id u a l ite m s m a y n o t e q u a l to ta ls . ch a rt, w as ca u sed by ch an ges in plan p r o v is io n s a ffe ctin g the $ 4 , 0 0 0 -a -y e a r le v e l, 7 and d oes not take into a ccou n t the lik e lih o o d that the $ 4 , 0 0 0 -a -y e a r w o r k e r in late 1955 w ould be in a h igh er b ra ck e t in 1958, as a resu lt o f wage in c r e a s e s a lon e, and w ould t h e r e fo r e be entitled to a h igh er b en efit without any change in plan p r o v is io n s . V a ria tio n in A m ount B a sed on S e x .— Of the 23 0 plans w ith a n o n o ccu p a tion al a ccid e n t and s ic k n e s s b e n e fit, 11 plans (9 flat b en efit plans and 2 graduated b e n e fit p la n s) sp e c ifie d a lo w e r b en efit fo r w om en than fo r m en . 8 U sing a $ 3 , 000a -y e a r ea rn in gs le v e l ( $ 5 7 .5 0 a w eek ) in the 2 graduated plan s, w o m e n 's ben efit 7 W hether oth er w age c a t e g o r ie s w ere a ffe cte d to a g re a te r o r le s s e r e x tent than the $ 4 , 000 le v e l w as not in v estig a ted in th is study. 8 The a v a ila b ility o f b e n e fits fo r m a tern ity c a s e s is d is c u s s e d in a s e p a rate se c tio n o f th is b u lletin . 14 T A B L E 11. D is trib u tio n b y w a it in g o f p la n s p e rio d and p ro v id in g b a s is fo r n o n o c c u p a t io n a l a c c id e n t a n d d e te rm in in g (W o r k e r s in a m o u n t o f b e n e f it , B a s is of b e n e f it w a it in g fo r d e te rm in in g F la t p e rio d p la n s p ro v id in g a c c id e n t a n d a te d a m ou n t to N u m b e r A ll A m o u n t p la n s and b e n e f it s 19581 th o u s a n d s ) A ll Ty p e s ic k n e s s fa ll W o rk e rs P la n s a m o u n t o f b e n e f it g ra d u a c c o r d in g O th e r e a rn in g s W o rk e rs P la n s W o rk e rs P la n s W o rk e rs n o n o c c u p a t io n a l s ic k n e s s _______ b e n e f it s 230 3 ,5 5 3 124 1 ,3 6 0 99 1 ,9 6 4 7 228 160 2 ,4 0 0 98 865 59 1 ,3 7 6 3 2 14 132 3 45 11 88 _ 159 _ 33 A c c id e n t B e n e f it b e g in s — Im m e d ia t e ly A fte r 3 da ys ____________________________________ A fte r 6 days 34 302 2 281 2 21 A fte r 7 days 4 39 356 16 125 21 197 2 A fte r 7 da ys o r w he n h o s p i t a l i z e d ____________________________________ U p o n b e in g h o s p i t a l i z e d _________________ O th e r _ _ _ 5 265 1 6 4 259 - - 2 38 1 3 - - 1 35 6 61 3 36 2 24 1 1 1 2 - - S ic k n e s s B e n e f it b e g in s — Im m e d ia t e ly ____________________________________ 3 9 2 7 - - A fte r 3 days ____________________________________ 31 402 12 153 19 250 A fte r 3 d a ys o r w hen 3 34 1 1 2 33 _ _ 5 160 1 ,7 9 5 94 760 62 845 4 190 ____ 6 2 1 912 9 119 12 793 - - _________________________________ 74 302 2 281 2 21 - - ________ 2 38 1 3 - - 1 35 O t h e r ------------------------------------------------------------------------------------------- 6 61 3 36 2 24 1 1 h o s p it a liz e d A fte r 7 A fte r 7 d a ys _____ o r w h e n h o s p it a liz e d A fte r U p o n __________ days 13 _ da ys _ _ h o s p i t a l i z e d ___ b e in g ________________ 1 m a te ly B a se d 5 2 ze d , In c lu d e s w h ic h e v e r b ility Th e s e 4 In c lu d e s la s te d o n ly p la n s , la s t e d e rin g fo r and fo r a d u rin g p la n , a N O T E : h e a lt h c o v e rin g and 2 fo r in s u ra n c e w o rk e rs , r e t r o a c t iv ity 1 1 ,5 0 0 p e rio d ; p la n s u n de r p ro v id in g p e rio d ; 1 p ro v id in g p la n , of a fo r c o lle c t iv e w a it in g fo r c o v e rin g p a ym e n ts b a r g a in in g p e rio d of c o v e rin g a p p ro x i 3 d a ys o r w h e n h o s p ita li o f w o rk e rs , to o f d is a b ility . r e t r o a c t iv it y w o rk e rs , th e of fo r w o rk e rs , firs t b e n e f it s p ro v id in g firs t b e n e f it s p ro v id in g 1 7 ,0 0 0 p a ym e n ts d a y fo r to re t r o a c t iv ity r e t r o a c t iv ity 4 ,0 0 0 firs t 1 7 ,0 0 0 w o rk e rs , c o v e rin g o f b e n e f it to p ro v id in g c o v e rin g b e n e f it 1 3 ,6 0 0 p la n , o f b e n e f it s w o rk e rs , p ro v id in g c o v e rin g re t r o a c t iv e ity p la n , 1 r e t r o a c t iv ity w o rk e rs , p la n s , 1 4 ,0 0 0 c o v e rin g s p e c ifie d w o rk e rs , Th e s e 300 p ro v id e d s p e c ifie d In c lu d e s of firs t. p la n , 8 ,0 0 0 d is a b ility ' 1 p ro v id in g 6 ,0 0 0 6 1 p ro v id in g In c lu d e s and s tu d y p la n s c o v e rin g 5 a w o rk e rs . o c c u rs 3 ca ses o n ly on m illio n to day to of firs t fo r of th e b e n e f it of fo r h o s p ita liz a tio n ; d a y to b e n e f it s h o s p it a liz a t io n ; d a y p a y m e n ts b e n e f it s firs t r e t r o a c t iv it y p ro v id in g day of p ro v id in g of firs t fo r and if and 2 o th e r d is a b ility . day if d is a b ility h o s p ita liz e d 1 d is a h o s p ita liz e d o th e r cases p la n , c o v d is a b ility . r e t r o a c t iv it y to firs t d a y if h o s p it a liz e d p e rio d . p la n s B e ca u se p ro v id e d fo r o f ro u n d in g , r e t r o a c t iv ity su m s of b e n e f it s o f in d iv id u a l ite m s to e ig h th m a y d a y o f d is a b ility . n o t e q u a l to ta ls . le v e ls in the 11 plan s, e x p r e s s e d as a p e rce n t o f the b en efit le v e ls p rov id ed m en, a re shown in the tabulation on the follow in g page. W aiting P e r i o d . —In 7 out o f 10 plan s, w o r k e r s w e re en titled to im m ed iate b e n e fits fo r a b s e n c e s ca u se d by a ccid e n ts happening o ff the jo b (table 11). In the ca se o f s ic k n e s s , p re v a ilin g p r a c tic e w as m uch m o r e r e s t r ic t iv e . Only three plans c o v e r e d w o r k e r s fo r the fir s t 3 days o f a b s e n c e . E ight out o f ten plans sta rted b e n e fits on the eighth day o f a b s e n ce and one out o f sev en sta rted p a y m en ts on the fou rth day. U nder som e o f th ese plan s, h ow ev er, a ccid e n t and sic k n e s s b e n e fits b e ca m e a v a ila b le im m ed ia tely upon being h o s p ita liz e d . T able 12 15 P e r c e n t o f b en efit le v e l ______ p ro v id e d m en P lan s W ork ers (in thousands) 11 173 1 1 7 1 1 20 22 123 7 2 A ll plans p rov id in g d iffe re n t am ounts fo r m en and w om en — 60 71 75 78 80 p e rce n t p e rce n t p e rce n t p e rce n t p e rce n t ... ... .. ... NOTE: B e ca u se o f rounding, sum s o f individual item s m ay not equal to ta ls . show s how a ccid e n t and s ic k n e ss w aiting p e rio d s w e re com b in ed am ong the 230 p la n s. The extent to w h ich n on occu pation al b en efits w e re supplem ented by sep arate paid sick lea ve plans c o v e rin g the fir s t few days o f a b sen ce w as not d e te rm in e d in this study. R e tr o a ctiv e paym ents fo llo w in g the co m p le tio n o f a T A B L E 12. W a itin g p e rio d fo r s ic k n e s s w e e k ly b e n e f it s , (W o r k e r s Ty p e A ll p la n s p ro v id in g in n o n o c c u p a t io n a l a c c id e n t a n d fa ll th o u s a n d s ) o f b e n e f it a n d w a it in g n o n o c c u p a t io n a l a c c id e n t a n d B e n e f it s b e g in 19581 p e rio d s ic k n e s s b e n e f it s 230 S ic k n e s s I m m e d i a t e l y ________________________ I m m e d i a t e l y _____________________________________ I m m e d i a t e l y ________________________ 3 d a ys I m m e d i a t e l y ________________________ 3 d a ys Im m e d ia te ly ________________________ 7 d a y s Im m e d ia te ly ________________________ 7 6 ___________________________________ days 7 days 7 da ys U p o n 3 34 117 1 .4 2 8 5 647 3 16 4 11 4 o r w h e n h o s p i t a l i z e d ___________ d a y s ____________________________________ _________ _______________________________________________ 7 d a ys h o s p i t a l i z e d ______ h o s p i t a l i z e d ___________ _______________________________________________ _______________________________________________ 7 day s b e in g w h e n 9 281 _______________________________________________ d a ys __________________________________ h o s p it a liz e d o r 3 21 3 da y s 13 w hen ____________________________ ___ _______________ 7 d a ys __________________________________ o r U p o n 1 B a se d on In c lu d e s if d is a b ility if h o s p ita liz e d 3 da ys 3 1 In c lu d e s o r p ro v id in g 5 w h e n th e 6 1 v id in g 6 39 6 356 5 265 h o s p i t a l i z e d ___________________ 2 38 5 43 4 da y of N O T E : 1 p e rio d . c o v e rin g 4 ,0 0 0 p la n s u n de r p ro v id in g c o lle c t iv e w o rk e rs , fo r b a r g a in in g c o v p ro v id in g fo r re t r o a c t iv ity to firs t day r e t r o a c t iv ity to firs t d a y p e rio d . c o v e rin g 4 ,0 0 0 w h ic h e v e r p e rio d p la n , d is a b ility fo r of 3 w o rk e rs , o c c u rs days to o r p ro v id in g firs t w h e n of fo r h o s p ita liz e d day a c c id e n t B e cau se of 1 r e t r o a c t iv it y to c o v e rin g la s te d firs t fo r b e n e f it s h o s p it a liz a t io n ; r e t r o a c t iv ity in s u r a n c e w o rk e rs , s p e c ifie d p ro v id in g s ic k n e s s b e n e f it s and 2 ,1 0 0 and a w a it in g 1 p la n , h o s p ita liz e d p e rio d fo r c o v e rin g w h ic h e v e r a c c id e n ts 1 7 ,3 0 0 o c c u rs of w o rk e rs , firs t, fo r d a y and s ic k n e s s . p la n s of h e a lt h w o rk e rs . c o v e rin g d is a b ility p la n , w a it in g b e n e f it s a c c id e n t fo r if a p la n , 1 of 300 m illio n h o s p it a liz e d , In c lu d e s p a y m e n ts fo r and Th e s e r e t r o a c t iv it y 5 d u rin g a c c id e n t firs t s tu d y p la n , la s t e d In c lu d e s b o th a a p p r o x im a t e ly 2 11 302 h o s p i t a l i z e d ___________ o r w h e n b e in g 4 138 *4 O t h e r _____________________________________ e rin g 3 ,5 5 3 a fte r— A c c id e n t 3 d a ys W o rk e rs P la n s a th e of and ro u n d in g , o n ly a n d s ic k n e s s sum s b e n e f it s to th e firs t d a y. p e rio d ; c o v e rin g d is a b ility a c c id e n t w o rk e rs , s p e c ifie d ca ses p la n , e ig h th 1 2 ,0 0 0 of p ro v id in g 1 p la n , p ro v id in g 2 ,0 0 0 a n d 1 b e n e f it s to o f in d iv id u a l r e t r o a c t iv it y r e t r o a c t iv ity w o rk e rs , p la n , fo r c o v e rin g 1 7 ,0 0 0 b e n e f it p ro v id in g c o v e rin g 6 ,0 0 0 firs t d a y of ite m s m a y not fo r of b e n e f it w o rk e rs , p a ym en t p ro to r e t r o a c t iv ity w o rk e rs , d is a b ility . e q u a l Jt o f c a ls * th e of p ro v id in g 16 w aiting p e rio d o r an extended p e r io d o f illn e s s w ere p rov id ed by som e p lan s. fo o tn o te s to ta b les 11 and 1 2 .) (See D u ra tion . — A ll but 1 o f the 230 plans studied lim ite d a ccid e n t and s ic k n ess b en efit paym ents to a fix e d p e rio d . M ore than 9 out o f 10 plans with a n on occu p a tion a l b en efit p ro v id e d a m axim u m num ber o f w eek ly b en efit paym ents fo r e a ch d is a b ility (table 13). U nder th ese plan s, the num ber o f w eek ly p a y m en ts a w o r k e r p r e v io u s ly c o lle c t e d fr o m the plan had no b ea rin g on the num ber a v a ila b le to him fo r future d is a b ilitie s if the d is a b ilitie s w ere due to unrelated ca u se s and w e re sep a ra ted by a retu rn to w ork , u sually fo r a sp e cifie d p e r io d . In 15 plan s, w o r k e r s w e re lim ite d to a ce rta in num ber o f b en efit w eek s in a y e a r . T A B L E 13. M a x im u m and d u ra tio n s ic k n e s s (W o r k e r s M a x im u m A ll p la n s p ro v id in g a c c id e n t a n d P e r w e eks 26 w e ek s d u ra tio n P la n s b e n e f it s _ __ 39 w e eks w e eks 3 ,5 5 3 213 3 ,0 9 7 61 638 _ _ _ _... . . , 8 111 131 2 , 142 . _ _ ........ .. __________ _ ye a r W o rk e rs 230 ___ _ 52 _ . __ ^ , _r 3 6 7 138 23 62 15 430 13 w e e k s 35 340 20 w e eks 44 37 26 w e eks 5 52 1 2 fo r 3 B a se d on In c lu d e s an 1 s tu d y p la n , fo r 20 3 13 of p la n , w e ek s p e r B e ca u se of 300 h e a lt h p e r 1 7 ,0 0 0 ye a r c o v e rin g y e a r 1 1 2 25 in s u r a n c e 5 m illio n w o rk e rs , p la n s u n de r w o rk e rs . th a t p ro v id e d be n e d is a b ility . c o v e rin g p e r and a p p r o x im a t e ly c o v e rin g p e rio d p la n s , w e e k s 1 . . . . . . . . . c o v e rin g u n lim it e d s ic k n e s s . 4 In c lu d e s fo r a b a r g a in in g In c lu d e s s e p a ra te ly ra te ly _____ _ c o lle c t iv e fo r th o u s a n d s ) ____________________ __ _______ ____ _____ __________ _____ ______ __ O th e r fo r 19581 n o n o c c u p a t io n a l s ic k n e s s O th e r fits in fa ll d i s a b i l i t y _______________________________________________________________ 13 w e e k s 20 P e r o f n o n o c c u p a t io n a l a c c id e n t b e n e f it s , 2 9 9 ,0 0 0 fo r a c c id e n ts 2 ,5 0 0 fo r w o rk e rs , and w o rk e rs , a c c id e n ts and th a t 13 w e e k s th a t 20 p ro v id e d p e r p ro v id e d ye a r sep a w e ek s p e r ite m s npay ye a r s ic k n e s s . N O T E : e q ua l ro u n d in g , su m s o f in d iv id u a l not to ta ls . The du ration o f the a ccid e n t and sick n e ss b en efits under the plans studied w as u n ifo rm fo r a ll c o v e r e d w o r k e r s e x ce p t fo r ce rta in m o d ifica tio n s b a sed on a g e . (See the follow in g se c tio n . ) O v er half of the plans with a n on occu p ation al ben efit m ade b en efit paym en ts fo r up to 26 w eek s p er d is a b ility . The next m o st f r e quent m axim u m du ration sp e c ifie d w as 13 w eek s per d isa b ility (61 p la n s). Seven plans c o v e r e d w o r k e r s fo r a fu ll y e a r o f d is a b ility . The re la tio n sh ip betw een b en efit le v e ls and m axim u m duration o f b e n e fits , as shown in ta b le s 7 and 9, r e v e a l a m ark ed ten den cy fo r lon g er durations to a cco m p a n y h igh er b en efit le v e ls . 17 R e d a ctio n o f B e n e fits fo r O ld er W o r k e r s. — In fou r oat of fiv e p la n s, the sa m e b e n e fits w e r e a v a ila b le to a ll e lig ib le w o r k e r s r e g a r d le s s of a g e . In 47 p la n s, h o w e v e r , b e n e fit te r m s w e r e m o d ified fo r w o r k e r s rea ch in g a s tip u la ted a g e (ta b le 14). In no c a s e w e r e w o r k e r s under 60 y e a r s of a g e a ffe c te d . T A B L E 14. and C ha ng e s ic k n e s s in b a s is b e n e f it o f w e e k ly p a ym e n ts (W o r k e r s in n o n o c c u p a t io n a l a c c id e n t due to a ge , fa ll th o u s a n d s ) P r o v is io n s P la n s A ll p la n s s t u d ie d A ll p la n s p r o v id in g n o n o c c u p a t io n a l a c c id e n t and A ll s ic k n e s s p la n s _____________________________________________ b e n e f i t s ___________________________________ p ro v id in g fo r a change 1958 in W o rk e rs 3 .0 0 4 ,9 3 3 230 3 ,5 5 3 47 453 31 341 b a s is o f p a y m e n t o f n o n o c c u p a t io n a l a c c id e n t and s ic k n e s s C h a ng e a ffe c ts B e fo re age b e n e f it s b o th at s p e c ifie d a c c id e n t a n d 60 age . s ic k n e s s A fte r age b e n e f i t s ______ 60 13 w e e k s p e r d is a b ility 13 w eeks p e r ye a r ______ 9 19 26 p e r d is a b ility 26 w e ek s p e r y e a r ______ 17 129 w e ek s B e fo re age A fte r 65 age 65 l5 w e eks p e r d is a b ility ___ 15 w e ek s p e r y e a r _____ 1 26 w e eks p e r d is a b ility ___ 26 w e eks p e r ye a r 2 57 26 w e eks p e r d is a b ility ___ D i s c o n t i n u e d ___________________ 1 120 1 3 16 112 B e fo re 20 age w e ek s C ha ng e a ffe c ts B e fo re 70 p e r age A fte r d i s a b i l i t y _____ s ic k n e s s b e n e f it 60 age _____ 70 D is c o n tin u e d o n ly A fte r ___________________________ age 13 60 13 w e e k s p e r d is a b ility 13 w e eks p e r ye a r 7 67 26 p e r d is a b ilit y 26 w e ek s p e r ye a r 9 46 w e eks N O T E : B e ca u se o f ro u n d in g , sum s o f in d iv id u a l ite m s m a y not e q u a l to ta ls . W ith tw o e x c e p tio n s , the b a s is of p a y m en t w a s m o d ified fo r w o r k e r s upon the a tta in m en t of th e s p e c ifie d a g e . In m o st of th e s e p la n s, a ch an ge fr o m a np er d isa b ility " to a "per y ea r" b a s is took e ffe c t w hen the w o rk e r rea c h e d a g e 6 0 . B oth the a c c id e n t and s ic k n e s s b e n e fits w e r e a ffe c te d in about 2 out of 3 of th e 47 p la n s; in th e o th er p la n s, o n ly the s ic k n e s s b e n e fit w a s in v o lv e d . In a d d itio n to ch an gin g th e b a s is of p a y m en t at a ge 60, one p lan red u ce d the b e n e fit am ou n t fo r w o r k e r s a t ag e 65. B e n e fit p a y m en ts w e r e d isco n tin u ed under 2 of th e 47 p la n s; under one of th e s e p la n s, w o r k e r s w e r e not e lig ib le fo r b e n e fits a fte r a g e 65, and under the o th e r , a fte r a g e 7 0. O ccu p a tio n a l A c c id e n t and S ic k n e s s B e n e fits An in c r e a s in g n u m b er of h ea lth and in su r a n c e p la n s now p ro v id e a c c i dent and s ic k n e s s b e n e fits fo r o ccu p a tio n a l d is a b ilitie s , a p r a c tic e d e sig n e d to e lim in a te d iffe r e n tia ls b e tw een b e n e fits p a y a b le under a p r iv a te plan fo r n o n o ccu p a tio n a l d is a b ilitie s and the w o rk m en * s co m p e n sa tio n b e n e fit fo r o c cu p a tio n a l d is a b ilit ie s p a y a b le a c c o r d in g to State la w . M ore than a fo u rth of the p la n s w ith an a c c id e n t and s ic k n e s s b e n e fit (65) p rov id ed c o v e r a g e fo r o n -th e -jo b d is a b ilitie s 18 (tab le 3 ) . 9 A ll e x c e p t tw o p la n s a ls o c o v e r e d n o n o ccu p a tio n a l d is a b ilit ie s . la te 1955, o n ly 52 o f the p la n s stu d ied c o v e r e d o ccu p a tio n a l d is a b ilit ie s . In G e n e r a lly , the b e n e fit p a y a b le fo r o ccu p a tio n a l d is a b ilitie s w a s the d if fe r e n c e b e tw een the w o rk m en * s c o m p e n sa tio n b e n e fit and th e am ou n t p ro v id ed fo r n o n o ccu p a tio n a l c a s e s (ta b le 15 and 16). F o r e x a m p le , un der a p lan p ro v id in g a $ 4 0 w e e k ly b e n e fit fo r n o n o ccu p a tio n a l d is a b ilit ie s , an in ju red w o r k e r e lig ib le fo r a $ 2 5 w e e k ly w o r k m e n ^ c o m p e n sa tio n b e n e fit w ou ld r e c e iv e $ 1 5 fr o m th e p r iv a te p la n . T he r e la tio n s h ip s b e tw een th e w e e k ly n o n o ccu p a tio n a l and o c c u p a tio n a l b e n e fits a r e show n b e lo w . A m oun t o f w e e k ly o c cu p a tio n a l b e n efit A ll p la n s p ro v id in g n o n o ccu p a tio n a l and o ccu p a tio n a l a c c id e n t and s ic k n e s s b e n e fits ____________________________ W o rk ers (in th ou P la n s sa n d s) 63 D iffe r e n c e b e tw een w o rk m en * s c o m p e n s a tio n b e n e fit and n o n o ccu p a tio n a l b e n e fits ________________________________________ *49 Sam e a s n o n o ccu p a tio n a l b e n e fit fo r e n tir e b e n e fit p e rio d ________________________ 4 S am e a s n o n o ccu p a tio n a l b e n e fit fo r 1st w eek o f b e n e fit p erio d ; t h e r e a fte r , p e r c e n ta g e o f n o n o ccu p a tio n a l b e n e fit _________________________________________ 2 3 50 p e r c e n t o f n o n o ccu p a tio n a l b e n e fit ______ 1 40 p e r c e n t of n o n o ccu p a tio n a l b e n e f i t ______ 2 1 36 p e r c e n t of n o n o ccu p a tio n a l b e n e f i t _______ 22 p e r c e n t of n o n o ccu p a tio n a l b e n e f i t _______ 2 O ther _____________________________________________ 1 1, 623 1 ,4 3 3 51 37 53 32 3 5 10 1 U n d er 1 p lan , th e m a x im u m am ou n t p ayab le fo r an o c cu p a tio n a l d is a b ility w a s 50 p e r c e n t o f th e m a x im u m p a y a b le fo r a n o n o ccu p a tio n a l d is a b ility . 2 2 plan s paid 50 p e r c e n t and 1 plan paid 46 p e r cen t of the n o n o ccu p a tio n a l b e n e fit d u rin g a ll e x c e p t the f ir s t w e e k o f th e b e n e fit p e r io d . NO TE: B e c a u s e o f rou n d in g, su m s o f in d iv id u a l ite m s m a y not eq u a l to ta ls . With few e x c e p tio n s , th e w a itin g p e rio d and th e d u ra tio n fo r o ccu p a tio n a l b e n e fits w e r e the sa m e a s fo r n o n o ccu p a tio n a l b e n e fits . T w o p la n s c o v e r in g 57, 000 w o r k e r s p ro v id ed a lo n g e r w a itin g p e rio d fo r o ccu p a tio n a l a c c id e n t b e n e fits than fo r n o n o ccu p a tio n a l a c c id e n t b e n e fits; a n o th er p lan c o v e r in g 3, 000 w o r k e r s s p e c ifie d a lo n g e r w a itin g p e rio d fo r both o ccu p a tio n a l a c c id e n t and s ic k n e s s b e n e fits th an fo r n o n o ccu p a tio n a l b e n e fits . T h e d u ra tio n o f o ccu p a tio n a l b e n e fits d iffe r e d fr o m the d u ra tio n o f non o c c u p a tio n a l b e n e fits in o n ly 2 p la n s c o v e r in g 2 1 , 000 w o r k e r s . One of th e se p la n s p ro v id ed o ccu p a tio n a l b e n e fits fo r o n ly 1 w e e k (w a itin g p e rio d fo r w o r k m e n ^ c o m p e n sa tio n b en efit); the o th er p ro v id ed fo r up to 13 w e e k s p er d is a b ility . B o th o f th e s e p la n s p ro v id ed n o n o ccu p a tio n a l b e n e fits fo r up to 26 w e e k s 9 S ix of th e se p la n s c o v e r e d on ly o c cu p a tio n a l d is a b ilit ie s . 19 T A B L E 15. D is trib u tio n of p la n s o f o c c u p a tio n a l a c c id e n t a n d b y a m o u n t p ro v id e d , (W o rk e rs in p ro v id in g s ic k n e s s fa ll fla t a m o u n t b e n e f it s 19581 th o u s a n d s ) A m o u n t o f w e e k ly o c c u p a tio n a l b e n e fit A ll p la n s p r o v id in g fla t a m o u n t P la n s T W ork ers 218 2 25 In a d d i t i o n t o w o r k m e n ’ s c o m p e n s a t i o n — $ 1 0 ... __ $ 1 7 .5 0 ______________ ______ ______ _____ . . . . $18 __ ___________ ________ . __________ $20 _ __ _ __________ _________ ____ . _ $ 3 0 __________________________________ 2 1 1 2 1 5 53 3 12 1 1 2 3 1 8 3 3 35 8 4 83 12 D iffe r e n c e b e tw e e n w o r k m e n ’s c o m p e n s a tio n b e n e fit a n d — $40 $45 _ ______ _ _____________ ____ $ 4 6 ______ ______________________ _______ $50 1 B a se d __________________ on a s tu d y c o lle c t iv e b a r g a in in g th e s e , p la n s , 65 a c c id e n t 2 w e e k ly and 1 firs t and p la n , w e e k 2 w a s lo w e r B e ca u se 300 h e a lt h and a p p r o x im a t e ly 1 ,6 3 7 ,0 0 0 w o rk e rs , in s u ra n c e 5 m illio n p ro v id e d p la n s u n de r w o rk e rs ; of o c c u p a tio n a l b e n e f it s . p la n s , p ro v id e d c o v e rin g N O T E : e q ua l c o v e rin g s ic k n e s s E x c lu d e s b e n e f it of c o v e rin g ______ c o v e rin g d u rin g 6 ,0 0 0 th a n of th e 1 9 ,0 0 0 firs t w o rk e rs , th e b e n e f it ro u n d in g , w o rk e rs , w e ek u n de r fo r su m s of w h ic h th e o f re s t u n d e r th e w h ic h b e n e f it th e p e rio d th e b e n e f it fo r of b e n e f it p e rio d . in d iv id u a l ite m s m a y th e not to ta ls . p e r d is a b ility . A s show n in th e a cco m p a n y in g ta b u la tio n , 26 w e e k s p er d is a b ility w a s the m a x im u m d u ra tio n p ro v id ed in a lm o s t th r e e -fo u r th s of the p la n s w ith an o ccu p a tio n a l b e n e fit. M axim u m d u ra tio n of o ccu p a tio n a l ____________ b e n e fit p e rio d ___________ P la n s W ork ers (in th ou sa n d s) A ll p la n s p ro v id in g o ccu p a tio n a l a c c id e n t and s ic k n e s s b e n e f i t s __________ 65 1 ,6 3 7 13 w e e k s p er d i s a b i l it y ____________________ 8 113 26 w e e k s p er d i s a b i l it y ____________________ 46 1 ,3 9 7 52 w e e k s p er d i s a b i l it y _____________________ 4 81 15 w e e k s p er y e a r __________________________ 3 27 O ther __________________________________________ 4 19 NOTE: B e c a u s e of rou n d in g, su m s of in d iv id u a l ite m s m a y not eq u a l to ta ls . M a tern ity B e n e fits P a r tia l co m p e n sa tio n fo r in co m e l o s s e s r e s u ltin g fro m d is a b ilitie s c a u sed by p r e g n a n c ie s w a s p ro v id ed w o m en w o r k e r s in a lm o s t th r e e -fo u r th s (1 6 8 ) o f th e p la n s w ith w e e k ly a c c id e n t and s ic k n e s s b e n e fits . U nd er m o st o f th e s e p la n s (1 6 2 ), w e e k ly b e n e fits w e r e p a y a b le; th e r e m a in d e r p r o v id e d a g e n e r a l lu m p -su m a llo w a n c e in lie u of w e e k ly a c c id e n t and s ic k n e s s b e n e fits and o th e r p lan b e n e fits . 20 T A B L E 16. D i s t r i b u t i o n o f p la n s p r o v i d i n g g r a d u a t e d a m o u n t o f o c c u p a tio n a l a c c id e n t and s ic k n e s s b e n e fits b y a m o u n t p ro v id e d w o r k e r s e a rn in g $ 4 , 0 00 y e a r ly , fa ll 1 9 5 8 1 ( W o r k e r s in t h o u s a n d s ) A m o u n t o f w e e k l y o c c u p a t i o n a l b e n e f it fo r $ 4 , 0 0 0 -a -y e a r -w o r k e r 2 P la n s A l l p la n s g r a d u a t i n g th e a m o u n t a c c o r d i n g t o 4 e a r n i n g s a l o n e ___ _______ ____ ____ ___________ 333 In a d d it io n to w o r k m e n ’ s c o m p e n s a t i o n b e n e f i t — $ 1 6 -----------------------------------------------------------------------------------------------$ 4 2 _________ ________ _________ _______ ____________ __________ _____ ...................................................... .. $ 7 A. 4 7 ... _ D i f f e r e n c e b e t w e e n w o r k m e n 's c o m p e n s a t i o n b e n e f it a n d — $ 3 5 _________ — ----------- ---------------_ ----------- _ ....... ........ ....... . ... .... $ 38. 4 h $ 38. 75 ... . _ _ . . _ ...__ .... .. $47 _________ . _ ___ ____ ............ W ork ers 1 ,3 1 1 1 1 2 21 13 14 1 4 120 8 8 3 . ._ . ........... _____ _____ .... .. __ _______ _... _ . . $45 $ 4 6 . 15 ________ .... _____ _______ ____ _ $ 4 8 ... _____ ... _____ __ _ _____ ____ .._ ..... _ ... $49 .. .. . _ .... _ ..... ......... $ 50 _______ _ ______ _ _ _ _ _ _ _ __________ $ 5 1 . 7.8 _ _ ... _ ___ _ _ _ $ 5 3 .8 4 __ _.... ___ _________ ______ ._.... $56 _ _ ........ ........ 1 1 6 1 367 16 4 490 1 2 8 135 52 29 9 3 2 2 1 1 7 10 1 B a s e d o n a s t u d y o f 3 0 0 h e a lt h a n d i n s u r a n c e p la n s u n d e r c o lle c t iv e b a r g a in in g c o v e r in g a p p r o x im a te ly 5 m illio n w o r k e r s ; o f th e se , 65 p l a n s , c o v e r in g 1 , 6 3 7 , 0 0 0 w o r k e r s , p r o v id e d o c c u p a tio n a l a c c i d e n t an d s i c k n e s s b e n e f i t s . 2 W e e k ly e q u iv a le n t— $ 7 6 . 9 2 . 3 E x c l u d e s 3 p l a n s , c o v e r i n g 4 8 , 0 0 0 w o r k e r s , u n d e r w h ic h th e w e e k ly b e n e f it d u r i n g the f i r s t w e e k o f the b e n e f i t p e r i o d w a s h i g h e r th a n th a t p r o v i d e d d u r in g the r e m a i n d e r o f th e b e n e f it p e r i o d . NOTE: e q u a l to ta ls . B ecau se o f r o u n d in g , s u m s o f i n d iv id u a l i t e m s m ay not T A B L E 17. A v a i l a b i l i t y o f a c c id e n t an d s i c k n e s s b e n e f it s t o n e w ly i n s u r e d w o r k e r s f o r d i s a b i l i t y r e s u l t i n g fr o m p re g n a n cy , fa ll 195 8 1 ( W o r k e r s in t h o u s a n d s ) A v a i l a b i l i t y o f b e n e f it P la n s A l l p la n s p r o v i d i n g b e n e f i t s f o r d i s a b i l i t y du e to p r e g n a n c y ____________________________________________________ B e n e f i t s b e c o m e a v a i l a b l e i m m e d i a t e l y ________________ I f p r e g n a n c y c o m m e n c e s w h ile i n s u r e d _ __________ — A f t e r b e in g in s u r e d f o r — 6 m o n t h s ________________ _______ ______________________________ 8 rmnnt.hs ........ ... _ __ 9 m onths .... _ ... ^ ^ 1 1 m onths 17 m onths . _ . . . ...... 168 47 76 W ork ers 2 2, 628 638 1 ,4 7 4 2 2 15 51 404 33 36 3 1 1 1 12 1 B a s e d o n a s t u d y o f 3 0 0 h e a lt h a n d i n s u r a n c e p la n s u n d e r c o lle c t iv e b a r g a in in g c o v e r in g a p p r o x im a te ly 5 m illio n w o r k e r s ; of th e s e , 2 3 0 p l a n s , c o v e r in g 3 , 5 5 3 ,0 0 0 w o r k e r s , p r o v id e d a w e e k ly n o n o c c u p a tio n a l a c c id e n t and s i c k n e s s b e n e fit. 2 N u m b e r o f w o r k e r s c o v e r e d b y p la n m a y n o t r e f l e c t a n i n d i c a t i o n o f u s e o f b e n e f it s s i n c e p r o p o r t i o n o f w o m e n covered v a r ie d c o n s id e r a b ly a m o n g p la n s. NOTE: eq u a l to ta ls . B e c a u s e o f r o u n d in g , sum s o f in d iv id u a l it e m s m ay not 21 In addition to the e lig ib ility req u ire m e n ts p r e v io u s ly d is c u s s e d , new ly in sured w om en w o r k e r s , under 1 2 1 of the 1 6 8 plans, had to m e e t additional q u a li fic a tio n re q u ire m e n ts fo r m a tern ity b e n e fits. F o r t y -s e v e n plans m ade p regn an cy d isa b ility b en e fits a v a ila b le im m e d ia te ly (table 17). B en efits w e re payable under 76 plans fo r d is a b ilitie s ca u sed by p reg n a n cies w hich began a fte r w om en w o r k e rs b e c a m e in su re d . C o v e ra g e fo r a p re d e te rm in e d p e rio d , g e n e ra lly 9 m onths, w as re q u ire d by the rem a in in g 45 plans b e fo r e b en efits b e ca m e pay a b le. W eekly M atern ity B e n e fit s . — The w eek ly m atern ity b en efit paym ent p r o vided in 1 6 0 o f the plans w as the sam e as the am ount s p e c ifie d fo r n on occu p a tion al d is a b ilit ie s . Tw o plans paid a lo w e r w eek ly am ount fo r m a tern ity than fo r n on m atern ity d is a b ilit ie s . In one o f th e se , the ben efit w as $ 5 l e s s than that p ro v id e d fo r non m atern ity c a s e s and, in the oth er, $ 6 l e s s . A u n iform o r flat w eek ly b en efit, ranging fr o m $ 9 to $55 a w eek , w as a llow ed fo r preg n a n cy d is a b ilitie s in 87 plans (table 18). M ost freq u en tly it w as $ 3 0 (22 p la n s). The m edian fla t plan p rov id ed $35 a w eek . T A B L E 18. D i s t r i b u t i o n o f p la n s p r o v i d i n g f l a t a m o u n t o f a c c id e n t a n d s ic k n e s s b e n e fits fo r d is a b ilit y r e s u lt in g f r o m p r e g n a n c y by am o u n t p r o v id e d , fa ll 1 9 5 8 1 ( W o r k e r s in t h o u s a n d s ) P la n s A m o u n t o f w e e k l y m a t e r n i t y b e n e f it A l l p la n s p r o v id in g a fla t a m o u n t ___________________________ U n d e r $ 1 5 ____________________________________________________________ $ !< ; ____ ________ _____ $20 _ _______ ____________ _ $ 2 0 . 0 1 bu t l e s s th a n $ 2 5 ____ ________ $25 _______ ____ $ 2 5 . 0 1 bu t l e s s th a n $ 3 0 ____ _ __ __ _________ $30 _ . ____ .. __ _ $ 3 0 . 0 1 b u t l e s s th a n $ 3 5 __ ____ __ _ _________ $35 _____ .. ________ $ 3 5 . 0 1 bu t l e s s th a n $ 4 0 ___ ________ __ __ _________ $40 ___________ _ _ ____ $ 4 0 .0 1 $45 bu t l e s s th a n $ 4 5 ____ __ ____ _ ______ __ _ $ 4 5 .0 1 $50 $55 bu t l e s s th a n $ 5 0 ____ ________ _ __ ___ _________ ___ . . .. _ ............. .. _ __________________ _______ _ _____ . _______ 87 2 2 2 1 8 1 22 4 7 2 12 1 6 12 4 1 W ork er s 2 689 43 18 16 4 57 35 179 39 45 3 112 4 18 101 14 1 1 B a s e d on a s t u d y o f 30 0 h e a lt h a n d i n s u r a n c e p la n s u n d e r c o lle c t iv e b a r g a in in g c o v e r in g a p p r o x im a t e ly 5 m illio n w o r k e r s ; o f t h e s e , 1 6 2 p l a n s , c o v e r i n g 2 , 3 5 1 , 0 0 0 w o r k e r s , p r o v i d e d w e e k ly a c c i d e n t an d s ic k n e s s b e n e fits fo r m a t e r n it y c a s e s . 2 N u m b e r o f w o r k e r s c o v e r e d b y p la n m a y n o t r e f l e c t a n i n d i c a t io n o f u s e o f b e n e f i t s s i n c e p r o p o r t i o n o f w o m e n c o v e r e d v a r i e d c o n s id e r a b ly a m o n g p la n s . NOTE: equ al to ta ls . B ecau se o f ro u n d in g , sum s o f in d iv id u a l it e m s m a y not P lan s graduating the w eek ly b en efit a c c o r d in g to earn in gs alone paid w om en w o r k e r s earn in g $ 3 , 000 y e a r ly 10 (an a r b itr a r ily se le cte d earn in gs le v e l) an am ount ranging fr o m $ 10 to $ 4 8 , if the d isa b ility w as cau sed by p regn an cy 10 W eekly eq u iva len t— $ 5 7 .7 0 . 22 (table w a g e, 19). U nder 18 plan s, $ 3 5 a w eek , o r 60 p e rce n t o f the g r o s s w eek ly w as paid. T h is w as a ls o the am ount paid b y the m ed ian plan. T A B L E 19. D i s t r i b u t i o n o f p la n s p r o v i d i n g g r a d u a t e d a m o u n t a c c i d e n t an d s i c k n e s s b e n e f i t s f o r d i s a b i l i t y r e s u l t i n g f r o m p r e g n a n c y b y a m o u n t p r o v id e d w o m e n w o r k e r s e a r n in g $ 3 ,0 0 0 y e a r ly , fa ll 1 9 5 8 1 of ( W o r k e r s in t h o u s a n d s ) A m o u n t o f w e e k ly m a t e r n it y b e n e fit s f o r w o m e n e a rn in g $ 3 , 0 0 0 a y e a r 2 A l l p la n s g r a d u a t i n g th e a m o u n t a c c o r d i n g to e a r n i n g s a l o n e -----------— ----------------------------------------------U n d e r $ 1 5 ------ ---------------------------------------------------------------------------$ 2 0 . 0 1 b u t l e s s th a n $ 2 5 -------------------------------------------------$25 ............................. $ 2 5 . 0 1 b u t l e s s th a n $ 3 0 --------------------------------------------------$30 . --------— - $ 3 0 . 0 1 b u t l e s s th a n $ 3 5 -------------------------------------------------$ 3 5 ........................... — ----$ 3 5 . 0 1 b u t l e s s th an $ 4 0 -------------------------------------------------$40 $ 4 0 . 0 1 b u t l e s s th a n $ 4 5 --------------------------------------------------$45 $ 4 5 . 0 1 b u t l e s s th a n $ 5 0 -------------------------------------------------- P la n s W ork ers3 74 1 ,5 1 7 1 2 2 12 7 6 18 5 4 9 93 38 78 157 77 61 432 444 120 9 4 10 2 1 1 B a s e d on a s t u d y o f 3 0 0 h e a lt h an d i n s u r a n c e p la n s u n d e r c o l le c t iv e b a r g a in in g c o v e r in g a p p r o x im a te ly 5 m illio n w o r k e r s ; o f th e s e , 1 6 2 p l a n s , c o v e r i n g 2 , 3 5 1 , 0 0 0 w o r k e r s , p r o v i d e d w e e k l y a c c i d e n t an d s ic k n e s s b e n e fits fo r m a t e r n it y c a s e s . 2 W e e k ly e q u iv a le n t— $ 5 7 . 7 0 . 3 N u m b e r o f w o r k e r s c o v e r e d b y p la n s m a y n o t r e f l e c t a n in d i c a tio n o f u s e o f b e n e fit s in c e p r o p o r tio n o f w o m e n c o v e r e d v a r ie d s u b s ta n t ia lly a m o n g p la n s . NOTE: equ al to ta ls . B e c a u s e o f ro u n d in g , sum s o f in d i v i d u a l i t e m s m ay not A ll e x ce p t 1 o f the 162 plans p rov id ed w eek ly b en efits fo r a sh o rte r du ration fo r d is a b ilitie s re su ltin g fr o m p reg n a n cy than fo r oth er ty p es o f d is a b ilit ie s . With fou r e x c e p tio n s , th ese b en efits w ere paid fo r a m axim u m p e rio d o f 6 w e e k s, a s shown b e lo w . D uration o f w eek ly m a tern ity b e n e fits A ll plans p rov id in g w eek ly b en efits fo r d isa b ility resu ltin g fr o m p reg n a n cy ________________________________ w eek s ____________________________________ w e e k s ------------------------------------------------------8 w e e k s _____________________________________ 26 w eek s ___________________________________ P la n s W o rk e rs (in thousands) 162 2 ,3 5 1 4 1 6 158 2 ] 5 2 , 332 11 3 NOTE: B e ca u se o f rounding, sum s o f individual item s m ay not equal to ta ls . 23 G en era l L u m p-S u m A llo w a n c e . — Six plans p rov id ed a lu m p -su m m atern ity a llow a n ce a s p a rtia l co m p e n sa tio n fo r lo s s o f in co m e and fo r h osp ita l and m e d ica l ex p e n se s in c u r r e d . A s shown b e lo w , three o f these plans paid w om en w o rk e r s $150. G en era l lu m p -su m allow a n ce P lan s A ll plans p rov id in g a g en era l lu m p -su m m a tern ity a llow a n ce in lieu o f w eek ly a ccid e n t and sic k n e ss and other plan b e n e fits . . . . 6 $ 7 5 _________________________________________ $ 1 0 0 ______________________________ _________ $ 1 5 0 ________________________________________ $ 2 0 0 ______________________________ _______ 1 1 3 1 vVo rk e r s (in th ou sands) 277 12 20 244 1 NOTE: B e ca u se o f rounding, sum s o f individual item s m ay not equal to ta ls . ☆ U. S. GOVERNMENT PRINTING OFFICE: 1959 O - 511321 Recent Publications of the Bureau of Labor Statistics on Employee Benefit Plans Health and insurance plans Digest of One-Hundred Selected Health and Insurance Plans Under Collective Bargaining, Early 1958. BLS Bull. 1236. October 1958. Price $1.25. 253 pp. Changes in Selected Health and Insurance Plans, 1954-58. Monthly Labor Review, November 1958. Reprint 2301. Analysis of Health and Insurance Plans Under Collective Bargaining, Late 1955. BLS Bull. 1221. November 1957. Price 50 cents. 87 pp. Pension plans Digest of One-Hundred Selected Pension Plans Under Collective Bargaining, Winter 1957-58. BLS Bull. 1232. May 1958. Price 45 cents. 71 pp. Characteristics of Pension Plans. Monthly Labor Review, August 1958. Reprint 2288.
@FedFRASER