New-York tribune., 1905-01-02
CARES FOR ITS EMPLOYEES
Rand O. Has Elaborate Insurance
and Relief System.

cdmparativeIy few persons know of the relief Dc.
partrnent OF the Baltimore and Ohio Railroad Com
panW on May !. 1881. association for the relief
Of employees injured incapacitated and 10 pro-
vide for their families in case Of death formed
bv the company. and a year later took out
chatter under the rame of the Baltimore and
Ohio EMPLOYEES Relief Association This Is said
10 be the first institution OF IT'S hind rorf1ed on
this sthc Of the Atlantic
The relief department Is divided into the relief.
savings and pension features The hrst feature IS
10 give relief TO disabled members and 20 their
families in case of dea sh. The second feature en-
abes employees and relatives 70 deposit saw
inss for interest. and makes IL possible for men,
bers to borrow money. The third feature pro-
vides for employees who retire or are relieved On
account Of age OF tHfrmTy
The relief feature finds support through cO1tri-
buttons from members. gifts from the company
and an income derived from investments The COM
panv gave 100000 to the association as start and
pays $l60OO year to the relief feature
The company does much for the association n
the Uav of giving the use Of furnished rooms and
of the services of officers and employees 20 guard
the funds II at the end Of a year there Is found
be. in the relief feature, an excess 0i dsour7e
ments over receipts the company makes good the
deficiency e there be surplus 1t is added to the
. fund.
Members contribute according to their salaries
and occupations. Membership is divided into two
classes and these are subdivided into five others
the monthly contributions being shown thus. First
class g. 50. g. a. So second class. . cents. 81 3D.
50 25 g. s. 70 Members contributing at these rates
are entitled to insurance and the benefits Of the
pension feature II is possible for some members
to pass on from one class 70 another. there .4
surgical and hospital attention for members injured
while performing their duty, and special rates and
In cases. free transportation given 10 the canl-
hes of members.
The following table shows the benefits paid mem
bers from May l. 1880 the end Of the last fiscal
year. June 80. 1894:
PasiaSHts. COST. per Aas5ass Fs5@sn..
ai'd on duty 5,'4 --.-s 1894 s212s24O p s1oss s2
cause causes .,....s -.DH. 4o2a 7n2a 5lo74
turies eived
charge ot duty 81 L6ls319 . y
Surgical e. penses SO.S5I 26i, ,6l2 80 2s3
DtSablemeEts from
'sicSness
other than above. .162 655 . $50 926 II l5 I3
Aggregate .s0O8e5 S8521so97 % s21 50
The membership OF the relief feature was is1a3
on June 80. 1901. The life insurance carried oy
members is 81, 500
The 50 wings feature Is divided into the deposit
and loan features. For one year the deposits
relief de partunent who have been employed by tie
companlT for year and who have good records
may take advantage Of the loan feature. Loans
made only on real estate security. that
members may build homes buy improved real
estate or improve or release liens on property
sums or not less than 500 per cent interest -
charged In the fiscal year there was S45s Jl5 81
loaned An eInploye may take adEa9tage an or 1hs
pension feature when he has reached the age oI
sixty-ffve, been member of the relief department
for four and in the service for ten years and
been hOnOrably freed from duty In certain cases
members under sixty-fve may be pensiOned- Pen
sons paid every month. From october = lSsf %
20, 1904 $50 persons have been made pension
nine dollars and twenty-three cents was paid n
pensions last year