Only a few unions make good physical condition a requisite for admission to the death benefit. In a small number provision is made that if death result from disease incurred prior to admission the union shall not pay the benefit. In the majority of the unions every member admitted to the union is covered by the death benefit. Some of the unions, such as the Brotherhood of Carpenters, the Boot and Shoe Workers' Union, the Brotherhood of Painters, and the Pattern Makers' League, provide a smaller benefit for those not eligible at time of initiation. In the Brotherhood of Carpenters any apprentice under twenty-one years of age, or any candidate for membership over fifty years of age, in ill health and not qualified for full benefit when admitted to the union, is limited to a funeral allowance of fifty dollars.[99] The Boot and Shoe Workers' Union provides that members of sixty years of age, or those afflicted with chronic diseases at time of initiation, shall be eligible to half benefit only.[100] In the Brotherhood of Painters members of sound health and over fifty years of age when admitted are eligible to a semi-beneficial benefit of fifty dollars and to a funeral benefit of twenty-five dollars in case of death of wife.[101] [Footnote 99: Constitution, 1903 (Indianapolis, n.d.), secs. 65 and 98.] [Footnote 100: Constitution, 1904 (Boston, n.d.), sec. 68.] [Footnote 101: Constitution, 1904 (La Fayette, n.d.), sec. 133.] The requirement of a preliminary period of membership serves to protect the union against the entrance of persons who wish to join because they are in ill health and are anxious to secure insurance which they could not otherwise get. None of the unions provide, however, for any deliberate selection of risks, and the mortality is higher than it would be if the applicants were examined. The death benefit is thus regarded by the unions not as a pure matter of business. It is paid partly on charitable grounds, and the small increase in the cost of the benefit occasioned by the lack of strict physical requirements is regarded as more than compensated by the increase in the solidarity of the organization thus attained. In several important unions the death benefit has been made the basis for a disability benefit. Thus a member receiving the disability benefit loses his right to the death benefit. So closely are the two benefits associated in these organizations that they are practically a single benefit. This combination of death and disability benefits is found chiefly in those trades in which the workmen are exposed to great danger of being disabled by accident.[102] The principal unions maintaining the disability benefit are the Iron Molders, the Brotherhood of Carpenters and Joiners, the Cigar Makers, the Painters, the Wood Workers, the Metal Workers, the Glass Workers, and the Boot and Shoe Workers.[103]