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
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Total | $145,826.91 | | $1,069,777.11 |
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Average | 6,638.49 | $5.99 | 62,928.06 | $2.20
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From the above table some comparison can be made of the per capita cost
of the out-of-work benefit in the Cigar Makers' Union and in the
Deutsch-Amerikanischen Typographia, respectively. For the twenty-two
years ending with the fiscal year June 30, 1906, the average annual cost
to the German-American Printers has been $5.99 per member, while the
Cigar Makers have disbursed, during the fifteen years in which the
benefit has been paid, a yearly average of $2.20 per member. The higher
average cost to the Typographia has been due chiefly to two causes, (1)
the greater amount paid as a weekly benefit, and (2) the larger annual
sum which may be paid. The Typographia has always paid a greater weekly
benefit. From the adoption of the benefit in 1884 to 1888 this union
granted five dollars per week for a maximum period of twelve weeks.
During 1888-1894 six dollars per week was allowed. For several years
following 1894 five dollars per week for sixteen weeks, or eighty
dollars per year, was granted, while at present six dollars per week, or
ninety-six dollars per year, is paid. On the other hand, the Cigar
Makers' Union, during 1889-1896, paid three dollars per week and fifty
cents for each additional day, with a possible maximum of seventy-two
dollars per year; but since 1896 the maximum allowance has been
fifty-four dollars. Thus, at present the German Printers pay both a
greater weekly benefit and a larger maximum yearly amount.
In the Typographia there appears to be a tendency towards an increased
per capita cost, while in the Cigar Makers' Union the reverse has been
true. This may be attributed in large part to the difference in the age
grouping of the memberships. The membership of the German Printers is
small, of a higher average age, and is gradually decreasing, while that
of the Cigar Makers, with a lower average age, shows a steady increase.
Many of the older men in both organizations are employed only when trade
is very brisk and draw each year the full amount of the benefits. The
variations from year to year are so great, however, as to obscure any
general tendency. During the depression of 1893-1897 the per capita cost
in the Typographia rose from $3.47 in 1890 to $6.77 in 1892, and to
$14.33 in 1894. The per capita cost in the Cigar Makers' Union shows a
very sudden increase from 65 cents in 1892 to $3.34 in 1893, to $6.27 in
1894, and to $6.43 in 1896, after which there followed a gradual
decrease. The cost of the out-of-work benefit is therefore far more
variable than that of any other benefit in either of the unions, and
necessitates on the part of both the maintenance of larger reserves.
Public-domain text, read in full here on John Shaqi.
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