Wheeling majority. [volume] (Wheeling, W. Va.) 1907-192?, 1910-02-03
Workmen Aid Each Other

c0AC 10 less IMAM per cent OF the
amount contributed by the employees.
In these 8 funds there are provisions
for relieving the funds from all
claims for benefits if suit for dam
lagos is brought against the company.
Thirty-one of these SO funds pay
benefits for temporary disability,
ranging from $3.50 to $40 per
week. Thirty-four pay death bene-
fits, the average payment per death
having been $3.50. Several of these
funds pay. benefits in cases of perma-
nent disability, and one pays a su-
perannuation benefit.
Establishment Benefit Funds.
The bureau obtained reports from
461 funds in manufacturing and
other Industrial establishments, in
Guiding mines, stores, street rail-
ways, etc. Many other funds of this
character were known to be in exist
ence, but were not canvassed. ~
Of the funds Investigated, 341 are
managed by employees, 80 by the es-
tablishments, and 88 jointly. The
funds are maintained mainly by the
contributions of the employees; 139
receive more or less aid from the
employers. Membership is made COM
pulsory by employers in 70 funds.
OF the 461 funds investigated, 429
pay temporary disability benefits;
bers, 101 for death of members
wives, and 40 for death of other de-
pendents; 50 funds pay permanent
disability benefits, and pay super
annuation benefits.
The weekly rates of benefits in
cases of mporary-disability bene-
fits range from SO cents to SIS, the
predominating rates being SIS and
Sc. The average period of disability
paid for per member of the funds
was Az days. The average period
of disability paid for per beneficiary
was 1922 days,and the average bene-
fit payment per. beneficiary was
about Sc cents per day Of disability.
About 81 per cent of the members
received benefits during the year.
The lump-sum death benefits most
frequently paid are, $500, SIS and
$50. Amounts obtained by assess
ments of 81 and SO cents per mem
Der rae also frequent death benefits
paid. Several funds pay large bene-
fits, in some instances as high as
$1,000. The average death benefit
paid was $209.76. The predominant
ing amount paid on the death of a
members wife was $50.
Several railroads and Industrial
establishments operate hospital
funds, which differ from the ordi-
nary benefit fund, in that the bene-
fit consists of hospital or home med
ical treatment, rather than a money
payment. Some funds include in
their benefit, treatment for members
families.
Z The greater number of hospital
funds continue treatment without
limitation as to period; others limit
the time for which treatment is fur
nished.
These funds are maintained prin-
cipally by contributions of members,
such contributions being generally
deducted from the members wages.
Industrial Benefit Societies.
The industrial benefit societies in
vestigated are societies of workmen
generally restricting their member
ship to certain trade or industry,
but not making membership depend
ent on membership in labor union
or employment in any particular es-
Enlistment. The benefits conferred
in these societies do not differ mate
rally from those fthe other classes
of funds described.
The report gives summary of
the common law and the statute law
of the several states and of the
United States governing workmen's
insurance and benefit funds. The
three principal common-law topics
discussed are the nature of such or
CARNATIONS, the conditions of mem
bership and the question OF accept
ance of benefits as a. bar to actions