Beneficiary Features of American Trade UnionsKennedy, James Boyd
History
Beneficiary Features of American Trade Unions
Kennedy, James Boyd
Fraternal insurance -- United States; Labor unions -- United States
The rules of the unions paying sick benefits vary markedly as to the
time at which the payment of the benefit begins. The Cigar Makers and
the Typographia pay benefits for the first week of sickness but not for
a fraction of a week; the benefit begins from the time the sickness is
reported to the local union. The Iron Molders and the Boot and Shoe
Workers begin payment with the beginning of the second week, and in no
case allow benefits for the first week or for a fractional part of a
week. In the Pattern Makers' League, the Brotherhood of Leather Workers
on Horse Goods, and the Piano and Organ Workers no benefit is paid
unless the illness continues two weeks; the benefits are then paid for
the entire period. The Tobacco Workers begin payment with the second
week, but if the illness continues twenty-one days, payment is also
allowed for the first week. The Plumbers do not pay a sick benefit
unless the illness extends two weeks, in which case payment begins with
the second week.
The sick benefit is not intended in any of the unions as a pension for
persons suffering from chronic disability. In all of them the number of
weeks in any one year during which a member may draw the benefit is
limited. The usual provision is that the member may not receive the
relief more than thirteen weeks in any one year.[146] Several unions,
however, set the maximum at eight weeks, while in a very few a member
may draw it for more than thirteen weeks in a single year. The most
liberal provision is found in the Typographia. A member of that
organization may draw a weekly sick benefit of five dollars for fifty
weeks, and may then draw a weekly benefit of three dollars for another
fifty weeks.
[Footnote 146: See table on page 78.]
Several of the unions have found that certain members draw the maximum
number of weeks' benefit yearly. These members are invalids and
practically unable to work at the trade. The benefit is thus to a
certain extent converted into a pension for disability. The Iron Molders
and the Boot and Shoe Workers have made express provision for retiring
such members from the benefit. In 1902 the Iron Molders provided that a
member permanently disabled who had "drawn the full sick benefits for
three years should be compelled to draw disability benefits." In 1907
the Financier reported that since 1902 eighty-nine members had thus been
retired. In 1906 the Boot and Shoe Workers' Union provided that after a
member had drawn the full amount of the sick benefit for two years he
should be paid a disability benefit of one hundred dollars.[147] The
Garment Workers reach much the same end by providing that a member may
not receive more than eight weeks' benefit during one year, nor more
than twelve in two years, fifteen in three years, and eighteen in four
years.[148]
[Footnote 147: Constitution, 1906 (Boston, 1906), pp. 30-32; Proceedings
of the Seventh Convention, 1906, pp. 44-45.]
[Footnote 148: Constitution, 1906 (New York, n.d.), p. 41.]
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