Department of labor 
UNION-MANAGEMENT HEALTH INSURANCE PLANS 
[N NEW YORK STATE, JANUARY 1949 
Division of Research and Statistics State of new York 
Department of labor 
UNION AND UNION-MANAGEMENT HEALTH INSURANCE PLANS 
IN NEW YORK STATE, JANUARY 1949 
Division of Research and Statistics STATE OF NEW YORK 
DEPARTMENT OF LABOR 
THOMAS E 
Governor 
DEWEY 
Edward Corsl 
Industrial Commissioner 
Thomas F. Moore, Jr. 
First Deputy Industrial Commissioner 
Abraham H. Goodman 
Deputy Industrial Commissioner 
and CounseI 
Edward A. Nyegaard 
Deputy Industrial Commissioner 
Frank Plplto 
Assistant Commissioner 
State Department of Labor 
State Office Building 
A I bany, Hew York 
Arnold Mitchell 
Assistant Commissioner 
State Department of Labor 
221 Washington Street 
Binghamton, Hew York 
August Marquardt 
Assistant Commissioner 
State Department of Labor 
State Office Building 
Buffalo, Hew York 
Michael Chlusano 
Assistant Commissioner 
State Department of Labor 
80 Centre Street 
Hew York City, H. Y. 
William Asart 
Assistant Commissioner 
State Department of Labor 
70 Exchange Street 
Rochester, Hew York 
Joseph Teatom 
Assistant Commissioner 
State Department of Labor 
22U Harrison Street 
Syracuse, Hew York 
Frank Mercurlo 
Assistant Commissioner 
State Department of Labor 
258 Gene s see Street 
Utic a. Hew York 
Edward Hickey 
Assistant Commissioner 
State Department of Labor 
270 Broadway 
Hew York City, H. Y. 
Publication Number B-is 
Revised May 1949 
Division of Research and Statistics 
State of Few York - Department of Labor 
80 Centre Street, 'lew York 13, F.Y. 
C. A. Pearce, Director UNION AND UNION-MANAGEMENT HEALTH INSURANCE PLANS 
IN NEW YORK STATE, JANUARY 1949 
State of New York - Department of Labor 
Lowaro Corsi 
Industrial Connissioner 
Division of Research and Statistics 
C. A PEARCE 
Director UNION AND UNION-MANAGEMENT HEALTH INSURANCE PUNS 
IN NEW TORE STATE, JANUARY 19^9 
CONTENTS 
Page 
Preface ill 
Union and Union-Management Health Insurance Plans 
in New York State 1 
Table; Health Insurance Plans with Union or Union- 
Management Administration, New York State, January 3 
footnotes 30 Preface 
The past few years have seen a rapid growth in group insurance 
against the hazard of nonoccupational disability. A large part of this 
growth, particularly in New York State, has been connected with collective 
In consequence, there now exists in this state a large number 
of health Insurance plans in the administration of which union representa- 
tives participate. This report is a fairly comprehensive list of such 
plans in existence in January together with descriptions of their 
major features. 
This report was prepared by Mr. Winston Dancls, Senior Economist, 
with the assistance of Mr. Spencer R. Hertzel, Junior Economist of the 
Division’s staff under the supervision of Mr. Robert Tllove, Assistant 
Director. 
In the process of compiling this list, the Bureau of Labor 
Statistics of the United States Department of Labor extended cooperation 
which is gratefully acknowledged. 
This report covers only one form of group health insurance, 
namely, those plans which are union or union-management administered. 
For a description of other types of plans, at least so far as wage-loss- 
indemnification is concerned, the reader is referred to The Nature and 
Extent of Voluntary Disability Insurance in New York State, published by 
this Division in February, 19^9. 
C. A . Pearce, 
Director UNION AND UNION-MANAGEMENT HEALTH INSURANCE PLANS 
IN NEW YORK STATE, JANUARY, 19h9 
This report lists those health insurance programs in New York State 
that have been secured through collective bargaining and are administered, in 
whole or in part, by representatives of unions or of unions and management 
Jointly. 
The report does not include collectively bargained programs that are 
administered exclusively by the employer or insurance carrier, or employer spon- 
sored programs in which collective bargaining played no part, or union plans 
financed by membership dues or assessments. A plan is included in this list 
if it resulted from collective bargaining and an organization, board, or fund 
which includes union representatives handles some aspect of the plan, whether 
it be the procurement of a group insurance policy, the collection of premiums, 
or the administration of benefit payments, or all of these activities. 
Plans have been included if they offer one or more of the following: 
weekly cash benefits to make up for wage loss; hospital, surgical or medical 
care services or cash indemnities for such expenses; or maternity benefits. 
The benefits offered under life insurance, accidental death and dismemberment 
insurance, and pension plans are not listed in this report. 
Efforts have been made to include every plan in effect in January, 
19U9. However, information was not available with respect to a few of the 
existing programs. 
Provisions are listed as they were found in insurance policies, de- 
scriptive literature and other sources, although in some cases their signifi- 
cance cannot be fully appreciated without a knowledge of the industries in- 
volved. Maternity benefits may be listed for certain unions in which there 
are few or no women members (e.g,, teamsters, building trades). Another ex- 
ample is the extension of coverage into periods of unemployment, a provision 
which depends for its practical importance on the extent or nature of turn- 2 
over in the industry. 
Practically all of these programs require union membership in good 
standing as a condition of eligibility for benefits. Union membership is not 
required in a few of these plans, but the benefits are available to those cov- 
ered by* the collective agreement. In these cases, as a result of union shop 
arrangements or the strong position of the union in the industry, all of the 
workers covered are union members. 
Using union membership in good standing as a primary condition of 
eligibility, many of these plans continue eligibility for substantial periods 
of unemployment. Often a necessary qualification is availability for work at 
the trade or in the industry in the period prior to the onset of disability or 
illness. 
Most of the programs included in this study, it should be noted, 
operate in industries in which the employers typically are small businessmen 
and bargain on a multi-employer basis. This should not be taken to mean that 
health insurance plans are more widespread among small rather than large com- 
panies. However, there appears to have been less occasion for union participa- 
tion in administration where large companies are involved. In many of the in- 
dustries included in this checklist, the union involved deals with a number of 
competing employers, often on the basis of association bargaining. It is there 
fore quite natural for a multi-employer ftuad to be created with participation 
by the union. Moreover, in a good many cases, the employers are too small to 
secure group insurance themselves, having fewer than 25 employees, and a multi- 
establishment fund is therefore necessary. In some instances an industry-wide 
plan presents the further advantage of providing employees with continuity of 
coverage despite job turnover. 3 
HEALTH INSURANCE PLANS WITH UNION OR UNION-MANAGEMENT 
ADMINISTRATION, NEW YORK STATE, JANUARY 1949 u 
HEALTH INSURANCE PLANS WITH ONION OR UNION-MANAGEMENT ADMINISTRATION, 
Accident and 
Sickness 
: 
Hospital 
Union 
Weekly ratol 
Maximum 
: Day benefits 
: begin 
; in case of 
t 
Maternity2 
Daily 
t Maximum 
1 
r 
I Extras 
{(maximum 
tallowance) 
: 
*• 
duration 
! Acci- 
dent 
[Sick- 
ness 
: 
: 
rats 
: duration 
X 
Asbestos Workers, A.F.L,, 
Local 12, N.Y.C. 
None 
Hospital: $80 
Surgical: $25-$100 
Dependents 
included 
Blue Cross (a) 
Dependents included 
Automobile, Aircraft & Agri- 
cultural Implement Workers, 
C.I.O., Local 259, N.Y.C. 
$20 
52 weeks 
per 
disability 
1 
u 
Weekly benefit: 6 weeks 
Hospital: ll* days 
Surgical: $25-$100 
Dependents: 
Hospital:1U days 
Surgical: $25-$100 
$8 
Dependents 
Included 
70 days 
per 
disability 
150 
Dependents 
included 
Automobile, Aircraft & Agri- 
cultural Implement Workers, 
C.I.O., Locals 501 & 516, 
Buffalo - Whaatfield 
135 
52 weeks 
per year 
1 
u 
Weekly benefit; 6 weeks 
Hospital: lU days 
Extras; $70 
Surgical: $37.50-$l50 
Dependents: 
Hospital; lit days 
Extras: $70 
$7 
Dependents 
included 
120 days 
per 
disability 
$70 
Dependents 
Included 
Bakery & Confectionery Workers 
A.F.L., Local 1, N.Y.C. 
Regular wage: 
Less than $30 - $10,50 
$30.00 to liO - 15.00 
U0.01 to 50 - 20.00 
50.01 to 60 - 25.00 
60.01 to 70 - 30.00 
70.01 to 80 - 35.00 
80.01 and over- UO.OO 
13 weeks 
per 
disability 
(d) 
1 
8 
Weekly benefit: 6 weeks 
Hospital: $80 
Surgical: $37.50-$l50 
Dependents; 
Hospital: $80 
Blue Cross (a) 
Dependents Included 
‘ 
Bakery & Confectionery Workers, 
A.F.L., Local 3» Brooklyn 
Regular wage: 
Steady Jobbers 
I. Less than $20 -None 
II. $20 to $3U.99-None 
III. $35 and over-$12 
Steady workers 
Less than $50 - $15.00 
$50 to $59.99 - 17.50 
60 to 69.99 - 20,00 
70 and over - 25.00 
13 weeks 
per 
disability 
1 
8 
Weekly benefit: 6 weeks 
Hospital: lh days 
Extras: $b0-$70 
Surgical; I. $16,50 - 
$66.50. All other: 
$37.50-$l50 Dep. of 
steady worker: 
Hospital: $1:0 
I. $1» 
All other; 
$7 Depen- 
dents of 
steady 
worker:$U 
31 days 
per 
disability 
I. $1:0 
All other: 
$70 
Dependents 
of steady 
worker: $1:0 
Bakery & Confectionery Workers, 
A.F.L., Local 51 (Cake Bakers), 
N.Y.C. 
Regular wage: 
Less than $30 - $10 
$30 to $39.99 - 15 
hO to U9.99 - 20 
50 to 59.99 - 25 
60 to 69.99 - 30 
70 to 79.99 - 35 
80 and over - UO 
13 weeks 
per 
disability 
1 
8 
Weekly benefit: 6 weeks 
Hospital: ll* days 
Surgical: $25-$100 
Dependents: 
Hospital: $U0 
Surgical: $l6.67-$66.67 
$6 
Dependents: 
Hi 
31 days 
per 
disability 
$60 
Dependents: 
$U0 
Bakery & Confectionery Workers, 
A.F.L., Local 102(Macaroni & 
Noodle), N.Y.C. 
Regular wage: 
Less than $25 - $10,50 
$25 and over - 15.00 
13 weeks 
per 
disability 
(d) 
1 
8 
None 
$6 
31 days 
per 
disability 
$30 
• 
Bakery A Confectionery Workers, 
A.F.L., Local l6ii, N.Y.C. 
Regular wage: 
$20 to $3U.99 - $10 
35 to 1:9.99 - 15 
50 and over - 25 
13 weeks 
per 
disability 
1 
8 
Weekly benefit: 6 weeks 
Hospital: $60 
Surgical: $25-$100 
Dependents: 
Hospital: $U0 
Surg: $l6,67-$66,67 
$6 
Dependents: 
$u 
31 days 
per 
disability 
$60 
Dependents: 
IU0 
- 
Bakery & Confectionery Workers, 
A.F.L.,Local 350, N.Y.C. 
Regular wage; 
Less than $U0 - $10 
$U0 or over - 15 
Unlimited 
weeks 
1 
7 
retro 
to 1 
Hospital: unlimited 
days. Surgical: $25- 
$100, 
Dependents: 
Hospital: 31 days 
Surgical: $25-$100 
$6 
Dependents: 
$5 
No limit $60 
Dependents: Dependents' 
31 days per $50 
disability 
Bakery & Confectionery Workers, 
A.F.L., Local 1:52 (Candy), 
Brooklyn 
$15 
13 weeks 
per 
disability 
(d) 
1 
8 
Weekly benefit: 6 weeks 
Hospital: lU days 
Surgical; $16.67- 
$66.67 
Dependents: 
Hospital: 10 days 
Surgical; $16.67- 
$66.67 
$U.5o 
Dependents: 
$h 
31 days 
per 
disability 
$22.50 
Dependents» 
$20 
- NEW YORK STATE, JANUARY 19^9 
5 
Surgical 
(maximum 
allowance) 
s 
: 
s Medical cash 
s benefits or 
s medical care^ 
: 
! Eligibility 
i requirements 
I for new 
j employees^ 
> 
: 
: Extent of coverage 
:during unemployment 
s or lay-off? 
X 
X 
: Financing 
: 
X 
X 
iTypo of 
x carrier 
X 
$225 (b) 
Dependents 
included 
Doctor's visits in 
hospital $2-$10 per 
day, maximum $U5U. 
Specialist consul- 
tation $10. Visit- 
ing nurse service at 
home, Dep. included 
(b) 
First of month after 
union membership 
No limit 
Einployer 
3% 
Blue Cross 
& Group 
Health 
$225 (b) 
Dependents 
included 
Doctor's visits in 
hospital $2-$10 per 
day, maximum $U5U. 
Specialist consul- 
tation $10. Visit- 
ing nurse service 
at home, Dep, in- 
cluded (b) 
Union membership; first 
of month after covered 
employment 
To end of calen- 
dar month 
Einployer 
$7 per 
month per 
worker (c) 
Insurance 
Company & 
Group 
Health 
$225 
Doctor's visits 
$ 2-S3, Maximum 
$150 per disability 
Union membership; first 
of month after covered 
employment 
To end of calen- 
dar month 
Einployer 
$6 per 
month per 
worker (c) 
Insurance 
Company 
$225 
Doctor's visits $3- 
$li,50. Maximum $225 
per disability 
Union membership and 
1 month covered em- 
ployment 
To end of foll- 
owing calendar 
month 
Einployer 
(c) 
Insurance 
Company & 
Blue Cross 
I. $100 
All others 
$225 
Jobbers: Do ctor's 
visits $3 in hosp. 
only;maximum $93 
per disability. 
Steady workers: 
Doctor's visits 
$2-$3. Maximum 
$150 per dis- 
ability, Visit- 
ing nurse service 
for all 
Union membership; 1 
month covered employ- 
ment 
1 month 
Einployer 
3% (c) 
Insurance 
Company 
H50 
Dependents: 
$100 
Doctor's visits 
$2-$3, Maximum 
S150 per dis- 
ability 
3 months union member- 
ship; 1 calendar month 
covered employment 
No limit 
Einployer 
3-3% or 
$1 per 
day or $2 
per week 
per worker 
(c) 
Insurance 
Company 
$150 
None 
Union membership and 
covered employment 
None 
Einployer 
3% (c) 
Insurance 
Company 
$150 
Dependents: 
$100 
Doctor's visits 
$2-tr3_ Maximum 
$150 per dis- 
ability 
2 months union member- 
ship; 1 calendar month 
covered employment 
9 weeks 
Einployer 
$1 per 
day per 
worker 
(c) 
Insurance 
Company 
$350 
Dependents 
included 
None 
3 months union member- 
ship and covered em- 
ployment 
1 month 
Einployer 
3% (c) 
Insurance 
Company 
$100 
Dependents 
included 
None 
Union membership; 1 
month covered employ- 
ment 
1 month 
Einployer 
(c) 
Insurance 
Company 6 
HEALTH INSURANCE PLANS WITH UNION OR UNION-MANAGEMENT ADMINISTRATION, 
Accident and Sickness 
: 
Hospital 
Onion 
Weekly rate-*- 
Maximum 
s Day benefits 
; begin 
: in case of 
2 
Maternity 
t 
: Daily 
Maximum 
Extras 
(maximum 
allowance) 
duration 
|Acci- 
) dent 
jSick- 
ness 
(maximum allowance) 
: rate 
duration 
Bakery & Confectionery Workers, 
A.F.L., Local 579 (Cake Bakers) 
N.T.C. 
Regular wager 
,$20 to $39.99 - $10 
UO and over - 25 
13 weeks 
per dis- 
ability^) 
1 
8 
Weekly benefit: 6 weeks 
Hospital: lU days 
Surgical: $25 - $100 
Deps if employee earns 
$20 and over- Hosps$hO 
Surg; $l6,67-$66,67 
$6 
Dependents; 
If employee 
earns $2u 
and over-$[) 
31 days 
per 
disability 
$60 
Dependents: 
If employee 
ea ns $2C 
and over 
‘ijD 
Barbers & Beauty Guitarists, 
C.I.0.,Local 1 (Barbers), 
N.Y.C. 
None 
Hospital: lii days 
Extras; $25 
Surg:$l6.67-$66.67 
$5 
31 days 
per dis- 
ability 
$25 
Barbers & Beauty Guitarists, 
C.I.O., Local 2 (Barbers), 
Brooklyn 
$18 
13 weeks 
per dis- 
ability 
1 
8 
None 
$6 
31 days 
per dis- 
ability 
$30 
Barbers & Beauty Guitarists, 
C.I.O., Local 3 (Barbers), 
N.Y.C. 
$12 
13 weeks 
per dis- 
ability^) 
1 
8 
Weekly benefit: 13 weeks 
None 
Barbers & Beauty Culturists, 
C.I.O., Local U (Barbers), 
Brooklyn 
$22.50 
13 weeks 
per dis- 
ability^) 
1 
8 
Dependents: 
Hospital: $)|0 
$6 
Dependents: 
$h 
31 days 
per dis- 
ability 
(d) 
$30 
Dependents: 
$2u 
Barbers & Beauty Guitarists, 
C.I.O., Local 6 (Barbers), 
Queens 
$15 
13 weeks 
per dis- 
ability^) 
1 
8 
Weekly benefits 6 weeks 
Dependents; 
Hospital: $60 
$6 
Dependents 
included 
31 days 
per dis- 
ability^) 
$30 
Dependents 
included 
Bricklayers, Masons & Plas- 
terers, A.F.L., Locals 1,9, 
21, 30, 3U, 37, Ul, N.Y.C. 
None 
None 
Nonoccupa- 
tional;$8 
Occupa- 
tional : $7 
31 days 
per dis- 
ability 
Nonoccupa- 
tional:$60 
Occupa- 
tional :$U2 
Bricklayers, Masons & Plas- 
terers, A.F.L., Westchester 
None 
None 
$8 
31 days 
per dis- 
ability^) 
$80 
Bridge, Structural & Orna- 
mental Iron Workers, A.F.L., 
Locals UO & 361 (Structural), 
N.Y.C. 
Regular wages 
Up to $30 - $15 
$30.01 to $50 - $20 
$50,01 and over* 25 
lj> weeks 
per year 
(d) 
1 
8 
Hospital:$b0 
Dependents 
included 
Blue Cross (a) 
Denendents included 
Bridge, Structural & Orna- 
mental Iron Workers, A.F.L., 
Local 580 (Ornamental Iron), 
N.Y.C. 
$15 
13 weeks 
per dis- 
ability 
(d) 
1 
8 
Weekly benefit: 6 weeks 
Hospital: $8): 
Surgical: $25-$100 
Dependents: 
Hospital: $81: 
$6 
Dependents 
included 
31 days 
per dis- 
ability 
$216 less 
daily rate 
allowance. 
Dependents 
included 
Building Service Employees, 
A.F.L., Local 2 (Window 
Cleaners), N.Y.C. 
$30 
26 vfeeks 
per 
disability 
(d) 
1 
8 
Surgical; $25-3100 
Dependents: 
Special grant: $50 
$5 
Dependents 
included 
31 days 
per 
disability 
$50 
Dependents 
included 
Building Service Employees, 
A.F.L., Local 155 (Exter- 
minators & Fumigators), 
N.Y.C. 
$20 
13 weeks 
per 
disability 
1 
8 
Hospital:$80 
Surgical:$35-$10u 
Dependents: 
Hospital:$80 
Surgical:$25—$100 
Blue Cross (a) 
Dependents included 
Building Service Employees, 
A.F.L., Local 365 (Cemetery), 
N.Y.C. 
Employer contributes; 
2% - None 
yf> - $15 
13 weeks 
per 
disability 
(d) 
1 
8 Weekly benefit: 6 weeks 
Surgical: $25-3100 
Blue Cross (a) 
Carpenters, A.F.L., Nassau 
Apprentices - 20 
Others - 21 
13 weeks 
per 
disability 
1 
8 
tone 
$6 
31 days 
per 
disability 
$6C 
Carpenters, A.F.L,, Local 
3127, N.Y.C. 
E'en - 17 13 weeks 
Women - !*• per 
disability 
7 retro 
to 1 
Veekly benefit: 13 weeks 
tospital; 31 days 
Surgical: $150 
$5 
31 days 
per 
disability 
$25 NW YORK STATS, JANUARY 19 
7 
Surgical 
(maximum 
allowance) 
t 
> 
: Medical cash 
s benefits or 
: medical care^ 
t 
Eligibility 
requirements 
for new 
employees^ 
: 
: Extent of coverage 
: during unemployment 
: or lay-off^ 
: 
: 
: 
: 
:Financing 
Type of 
carrier 
$150 
Dependents: 
If employee 
earns $20 
and over - 
$100 
Doctor's visits $2-$3. 
Maximum $150 per dis- 
ability 
2 months union member- 
ship; 1 calendar month 
covered employment 
2 months 
Emoloyer 
$1 per day 
per worker 
(c) 
Insurance 
Company 
$100 
None 
Union membership 
No limit if member 
pays $.1:1 weekly 
Einployer 
1% (c) 
Employee 
pays bal- 
ance if 
basic pay 
j.s less 
than $10. 
per week 
Self- 
insured 
$150 
None 
2 months union mem- 
bership and covered 
employment 
1 month, then no 
limit if member 
pays $.62 weekly 
for Hosp,, Surg. 
and Death benefits 
Einployer 
2% (c) 
Insurance 
Company 
None 
None 
Union membership 
and covered employ- 
ment 
No limit if member 
pays $.hl weekly 
Einployer 
1% (c) 
Insurance 
Company 
None 
None 
Union membership 
and covered employ- 
ment (e) 
No limit 
Employer 
2% (c) 
Insurance 
Company 
None 
Doctor's visits $2- 
$3. Maximum $150 
per disability 
1 month union member- 
ship and covered em- 
ployment 
To end of calendar 
month 
Einployer 
2% (c) 
Insurance 
Company 
None 
None 
6 months union member- 
ship; apprentices: 
upon becoming union 
members 
No limit 
Employer 
3% (c) 
Insurance 
Company 
None 
None 
6 months union member- 
ship 
No limit 
Employer 
3% (c) 
Insurance 
Company 
$225 
None 
6 months union member- 
ship; U months covered 
employment with earn- 
ings of $5oo 
Weekly benefit: 
to end of quarter 
Hospital and Sur- 
gical: 3 months 
Employer Insurance 
3% (c) Company & 
Blue Cross 
$150 
None 
Union membership; 
first of month after 
covered employment 
with earnings of $500 
5 months 
Einployer Insurance 
3% (c) Company 
$225 
Doctor's visits $2- 
$3. Maximum $100 
per disability 
Union membership; 2 
calendar months cov- 
ered employment 
To end of calendar 
month 
Einployer Insurance 
$7 per Company 
month per 
worker(c) 
$225 
Dependents 
included 
None 
Union membership; 1 
month covered employ- 
ment 
Weekly benefit: to 
end of calendar 
month. 
Other benefit: 3 
months if member 
pays prorated fees 
Employer Insurance 
$2.50- Company, 
$5.62 per Blue Cross 
month per & United 
worker(c) Medical 
Service 
$150 
None 
Union membership; 1 
month covered em- 
ployment (e) 
To end of calendar 
month 
Einployer Insurance 
2-3$ (c) Company & 
Blue Cross 
$150 
None 
On 15th of month 
after 6 months union 
membership 
No limit 
Employer Insurance 
3% (c) Company 
$150 
None 
Union membership and 
covered employment 
2 months 
Einployer Insurance 
$2.1:0 per Company 
month per 
worker 8 
HEALTH INSURANCE FLANS WITH UNION OR UNION-MANAGEMENT 
ADMINISTRATION, 
Accident and Sickness 
Hospital 
Union 
Weekly rate1- 
: Maximum 
Day benefits 
begin 
in case of 
Maternity2 
Daily 
. Maximum 
Extras 
(maximum 
; duration 
Acci-' 
dent ! 
Sick- 
ness 
(maximum allowance) 
rate 
. duration 
allowance) 
Clothing Workers, Amalgamated, 
C.I.O., Men's Clothing, 
National 
Men - $1$ 
Women - 10 
Acc: 13 weeks 
per year 
Sick:13 weeks 
per year 
7 
retro 
to 1 
li* 
retro 
to 8 
Surgical; $25-$100 
$6 
Acc; 31 days 
per year 
Sick;31 days 
per year 
$50 
Clothing Workers, Amalgamated, 
C.I.O., Cotton Garment, 
National 
Men - $15 
Women - 10 
Acc: 13 weeks 
per year 
Sick:13 weeks 
per year 
7 
retro 
to 1 
111 
retro 
to 8 
Surgical: $25-$100 
$6 
Acc; 31 days 
per year , 
Sick;31 days 
per year 
$30 
Clothing Workers, Amalgamated, 
C.I.O., Laundry, N.Y.C. 
Meal - $19 
Women - 10 
Acc; 13 weeks 
per year 
Sick;13 weeks 
per year 
7 
retro 
to 1 
111 
retro 
to 8 
Surgical: $25-$10O 
$6 
Acc: 31 days 
per year 
Sick;31 days 
per year 
$30 
Clothing Workers, Amalgamated, 
C.I.O., Neckwear, N.T. & N.J. 
Men - $15 
Women - 12 
Acc: 13 weeks 
per year 
Sick:13 weeks 
per year 
7 
retro 
to 1 
Hi 
retro 
to 8 
Special grant: $50 
$7 
Acc: 31 days 
per year 
Sick;31 days 
per year 
$50 
Clothing Workers, Amalgamated, 
C.I.O., Local 169 (Washable 
Clothing & Sportswear), N.Y.C. 
$12 
Acc: 13 weeks 
per year 
Sick:13 weeks 
per year 
7 
retro 
to 1 
Hi 
retro 
to 8 
Surgical: $25-$100 
$5 
Acc; 31 days 
per year 
Sick;31 days 
per year 
$30 
Clothing Workers, Amalgamated, 
C.I.O., Local 239 (Cleaners & 
Dyers), N.Y.C. 
Men - $1$ 
Women - 10 
Acc; 13 weeks 
per year 
Sick:13 weeks 
per year 
7 
retro 
to 1 
Hi 
retro 
to 8 
Surgical: $25-$100 
$6 
Acc; 31 days 
per year 
Sick:31 days 
per year 
$30 
Clothing Workers, Amalgamated, 
C.I.O., Local 32U (Laundry 
Drivers), N.Y.C. 
Average net 
collections: 
Less than $20 - $10 
$20 to $3U.99 - 15 
3? to 1:9.99 - 20 
$0 to 6U.99 - 25 
65 to 79.99 - 30 
so to 99.09 - 35 
100 and over - 1*0 
10 weeks per 
year 
li* retro to 85 Special grant: $25 
If 28, retro 
to 1 
$6 
60 days per 
disability 
$i|0 
Clothing Workers, Amalgamated, 
C.I.O., Local 3U0 (Retail 
Clothing Salesmen), N.Y.C. 
Men - $15 
Women - 10 
Acc: 13 weeks 
per year 
Sick:13 weeks 
per year 
7 
retro 
to 1 
Hi 
retro 
to 8 
Surgical; $25-$100 
$6 
Acc: 31 days 
per year 
Sick;31 days 
per year 
150 
Clothing Workers, Amalgamated, 
C.I.O., Local 3U0 A (Women's 
Retail Clothing Salespeople), 
N.Y.C. 
Average wage: 
Less than $35 - $10 
$35 to $69.99 - 15 
70 and over - 20 
10 weeks per 
year 
8 
8 
Special grant: $50 
$li 
31 days per 
year 
$20 
Electrical, Radio & Machine 
Workers, C.I.O,, National 
Regular wage: 
S25.00to$29.99-$18.00 
30.00to 3U.39- 21,00 
3U.li0to it0.39- 22.00 
UO.liOto 1*8.39- 2U.50 
l*8,i*0to 5U.39- 28.00 
51i.li0to 60.39- 31.50 
60,i*0to 68.39- 35.00 
68.1*0 and over-1*0,00 
26 weeks per 
disability (d 
1 
8 
Weekly benefit; 
6 weeks 
Hospital: $80 
Surgical: $37.50-$l50 
Dependents; 
Hospital.: $80 
Blue Cross (a) 
Dependents included 
Electrical Workers, A.F.L., 
Local 3, N.Y.C. 
Full pay in case of 
serious injury 
1 week per 
disability 
1 
None 
Surgical; $35-$100 
Dependents included 
$5 105 days 
Dependents per year 
included 
None 
Fur & Leather Workers, C.I.O., 
Furriers Joint Council, N.Y.C. 
Craft workers - $15 
Floor workers - 10 
13 weeks per 
disability 
8 
8 
None 
Blue Cross (a) 
Fur & Leather Workers, C.I.O., 
Local 61* (Fur Merchants' 
Employees), N.Y.C, 
Regular wage: 
$30to $39.99- $16.50 
UOto 1*9.99- 20.00 
50 and oven- 25.00 
13 weeks per 1 
disability (d) 
6 
Weekly benefit: 6 
weeks 
Hospital: $50 
Surgical: $25-$100 
$5 
31 days per 
disability 
$25 
Fur & Leather Workers, C.I.O., 
Local 70 (Greek Fur Workers), 
N.Y.C. 
Regular wage: 
$1*0.00 or less- $13 
1*0.01 to $55 - 15 
55.01 to 70 - 18 
70.01 and over- 22 
13 weeks per 1 
disability (d) 
8 
Weekly benefit; 6 
weeks 
Surgical; $25-$100 
Blue Cross (a) msw IOHA STATE, JANUARY 19i£ 
9 
Surgical 
(maximum 
allowance) 
Medical cash 
benefits or 
Medical care^ 
Eligibility 
requirements 
for new 
employees** 
Extent of coverage 
during unemployment 
or lay-off5 
Financing 
Type of 
carrier 
$150 
(f) 
Union membership} 6 
calendar months covered 
employment and 500 hours 
in 12 months 
It months 
Qnployer 
2% (c) 
Insurance 
Company 
$150 
Nona 
Union membership} covered 
employment for at least 
1 day in each of 6 months 
it months 
Qnployer 
2% (c) 
Insurance 
Company 
$150 
Nona 
Union membership} covered 
employment for at least 
1 day in each of 6 months 
It months 
Employer 
2% (c) 
Insurance 
Company 
Nona 
None 
6 months union membership} 
covered employment for at 
least 1 day in each of 
6 months 
k months 
Employer 
3% (c) 
Insurance 
Company 
$150 
None 
Union membership} covered 
employment for at least 
1 day in each of 6 months 
it months 
Employer 
2% (c) 
Insurance 
Company 
$150 
None 
Union membership} covered 
employment for at least 
1 day in e ach of 6 months 
it months 
Qnployer 
2% (c) 
Insurance 
Company 
$i5o 
Union doctor's 
visits at home 
or office. $25 
for clinical 
testsj free eye 
fexam & glasses 
biannuallyj 
annual x-ray 
& cleaning of 
teeth 
6 months union membership 
and covered employment} 
pass medical exam 
3 months 
Qnployer 
2% of net 
collections 
(c) 
Self-insured 
$150 
None 
Union membership} covered 
employment for at least 
1 day in each of 6 months 
it months 
Qnployer 
2% (c) 
Insurance 
Company 
None 
None 
6 months union membership 
and covered employment 
No limit 
Employer 
h% (c) 
Self-insured 
$225 
Doctor's visits 
$2-$3» Maximum 
$150 per 
disability (d) 
Union membership} 
2 months covered employment 
with base pay of at least 
$25 a week 
1 month 
Qnployer 
h% (c) 
Insurance 
Company &, 
Blue Cross 
$225 
Dependents 
included 
None 
6 months union membership 
No limit 
Qnployer 
3% (c) 
Qnployee 
\% when 
fund drops 
below 
$1,000,000 
Self-insured 
$100 
None 
Covered by union agree- 
ment} first of month 
after 13 weeks covered 
employment 
1 year 
Qnployer 
(c) 
Insurance 
Company & 
Blue Cross 
$150 
None 
Union membership} 3 
months covered employ- 
ment 
No limit 
Qnployer 
2% (c) 
Insurance 
Company 
$150 
None 
Union membership} 1 
month covered employ- 
ment 
To end of follow- 
ing calendar 
month 
Qnployer 
2% (c) 
Insurance 
Company & 
Blue cross 10 
HEALTH INSURANCE PLANS WITH UNION OR UNION-MANAGEMENT ADMINISTRATION, 
Accident and Sickness 
Hospital 
Union 
Weekly rate*- 
: Maximum 
Day benefits 
begin 
in case of 
0 
Maternity 
Daily : Maximum 
: Extras 
•' (maximum 
s duration 
Acci- s Sick- 
:dent : ness 
(maximum allowance) 
rate 
• duration 
: allowance 
Fur & Leather Workers, C.I.O, 
Local 80 (Fur Dyers), N.Y.C. 
$16.50 
13 weeks per 
disability 
(d) 
1 8 
Weekly benefit: 6 weeks 
Hospital; $50 
Surgical; $25-$100 
$5 
31 days per 
disability 
$25 
Fur & Leather Workers, C.I.O., 
Local 88 (Fancy Fur Dyers), 
N.Y.C. 
$16.50 
13 weeks per 
disability 
(d) 
1 8 
Weekly benefit; 6 weeks 
Hospital: $50 
Surgical: $25-$100 
$5 
31 days per 
disability 
$25 
Fur & Leather Workers, C.I.O., 
Locals 135 & lli5, Middletown, 
Mt. Vernon 
Regular wage: 
Up to $57.69 - $25 or 
6C1J0 of wages, which 
ever is less 
$57.69 and over - $30 
26 weeks per 
disability 
1 8 
Weekly benefit: 6 weeks 
Hospital: $80 
Surgical: $25-$100 
Dependents: 
Hospital: $80 
Blue Cross (a) 
Dependents included 
Fur & Leather Workers, C.I.O,, 
Local 150 (Machinists), N.Y.C. 
Regular wage: 
Less than $30 
$30 to $1:9.99 
50 and over 
- $15 
- 20 
- 25 
13 weeks per 
disability 
(d) 
1 8 
k 
Weekly benefit: 6 weeks 
Surgical; $37.50-$l50 
Blue Cross ( 
a) 
Fur & Leather Workers, C.I.O., 
Local 202 (Leather), 
Oloversville 
$17.50 
13 weeks per 
disability 
(d) 
1 8 
Weekly benefit; 6 weeks 
Hospital: $50 in 
hospital, $25 outside 
hospital 
Surgical: $25-$100 
$5 
35 days per 
disability 
$25 
Furniture Workers, C.I.O., 
National 
Regular wage: 
$l5to$19.99 - 
20to 2U.99 “ 
25to 29.99 - 
30to 31:.99 - 
35to 1:9.99 - 
50to 5U.99 - 
55to 59.99 - 
60to 61:.99 - 
65to 69.99 - 
70 and over- 
$12.00 
15.00 
18.00 
21.00 
22.50 
25.00 
27.50 
30.00 
32.50 
35.00 
26 weeks per 
disability 
(d) 
1 8 
Weekly benefit: 6 weeks 
Hospital: $80 
Surgical; $25-$100 
Dependents: 
Hospital: $80 
Blue Cross (a) 
Dependents included 
Garment Workers, Ladles, 
A.F.L., Cloak Joint Board, 
N.Y.C. 
$15 
10 weeks per 
year 
10 retro 
to 1: 
None 
$5 
60 days per 
year 
None 
Garment Workers, Ladles 
A.F.L., Dress Joint Board, 
N.T.C. 
$15 
13 weeks per 
year 
10 retro to 
U 
If ll: 
retro to 1 
Special grant: $50 
$5 
75 days per 
year 
None 
Garment Workers, Ladies, 
A.F.L., Local 10 (Cutters), 
N.Y.C. 
$15 
13 weeks per 
year 
10 retro to 
U 
None 
■$5 
60 days per 
year 
None 
Garment Workers, Ladles, 
A.F.L., Local 20 (Waterproof 
Garments), N.Y.C. 
$10 
12 weeks per 
year 
10 retro to 
h 
None 
$3 
30 days per 
year 
None 
Garment Workers, Ladles, 
A.F.L., Local 23 (Skirt- 
makers), N.Y.C. 
$15 
12 weeks per 
year 
8 retro to 
2 
None 
$5 
60 days per 
year 
None 
Garment Workers, Ladles, 
A.F.L., Local 25 (Blouse & 
Waistmakers), N.Y.C. 
$15 
12 weeks per 
year 
10 retro to 
h 
Special grant: $25 
$5 
1:0 days per 
year 
None HEW YORK STATE, JANUARY 19^9 
11 
Surgical 
(maximum 
allowance) 
: Medical cash 
s benefit* or 
: medical c are^ 
Eligibility 
requirements 
for new 
employees** 
coverage 
during Unemployment 
or lay-off5 
s 
s Financing 
Type of 
carrier 
H50 
None 
Union membership} 3 months 
covered employment 
No limit 
Employer 
2% (c) 
Insurance 
Company 
H50 
None 
Union membership} 3 months 
covered employment 
No limit 
Employer 
2% (c) 
Insurance 
Company 
$150 
None 
Union membership} 1 month 
covered employment 
1 month 
Employer 
2% (c) 
Insurance 
Company & 
Blue Cross 
1225 
None 
Union membership} 1 month 
covered employment 
None 
Employer 
2% (c) 
Insurance 
Company & 
Blue Cross 
n5o 
Doctor's visits 
♦2-$3. Maximum 
♦150 per disa- 
bility} members 
aged 60 & over 
maximum $75 per 
disability or 
per year 
Union membership} 1 month 
covered employment 
1 month 
Employer 
3% (c) 
Insurance 
Company 
♦150 
Doctor's visits 
♦2-$3. Maximum 
♦150 per 
disability (d) 
Union membership; 1 month 
covered employment 
Hospitals 1 month 
Other benefits: 
None 
Employer 
3% (c) 
Insurance 
Company & 
Blue Cross 
♦50 
♦30 medical 
oredit(g). Free 
glasses to $5 
biannually. T.B. 
benefits #00 
and 10 weeks 
weekly benefit 
6 months union 
membership and 
covered employment 
No limit 
Employer 
14* (c) 
Self- 
insured 
♦50 
$30 medical 6 months union member- 
credit (g). ship and in industry 
Free glasses 
to bi- 
annually. 
T.B. benefits 
♦300 
No limit 
Employer 
1& (c) 
Self- 
insured 
♦50 
♦30 medical 
credit (g). 
Free glasses 
to ♦7.50 bi- 
annually. 
T.B. benefits 
♦300 
6 months union member- 
ship and in industry 
No limit 
Employer 
2% (c) 
Self- 
insured 
♦50 
$20 medical 
credit (g). 
T.B. benefits 
♦200 
6 months union member- 
ship and in industry 
No limit 
Employer 
21 (c) 
Self- 
insured 
♦5o 
♦25 medical 
credit (g). 
Free glasses 
to ♦IS bi- 
annually. 
T.B. benefits 
$300 and 12 
weeks weekly 
benefit 
6 months union member- 
ship and in industry 
No limit 
Employer 
2% (c) 
Self- 
insured 
♦25 
♦25 medical 
credit (g). 
Free glasses 
to ♦S bi- 
annually. 
T.B. benefits 
♦250 
6 months union member- 
ship and in industry 
No limit 
Employer 
2% (c) 
Self- 
insured 12 
HEALTH INSURANCE PLANS WITH UNION OR UNION-MANAGEMENT 
ADMINISTRATION, 
Accident and Sickness 
: 
Hospital 
Union 
Weekly rate^- 
Maximum 
Day benefits 
begin 
in case of 
Maternity2 
: 
: Daily 
: 
WaiH nmn : 
Extras 
(maxima 
duration 
Acci- : Sick- 
dent : ness 
(maximum allowance) 
s rate 
duration * 
allowance) 
Garment Workers, Ladies, A.F.L, 
Local 32 (Corset & Brassiere), 
N.Y.C. 
3 
$12 
13 weeks 
per year 
10 retro to I4 
None 
$3 
30 days par 
year 
None 
Garment Workers, Ladies,A.F.L., 
Local 38 (Ladies Tailors), 
N.Y.C. 
$15 
13 weeks 
per year 
7 retro to 1 
Special grants 
$50 
$5 
31 days per 
year 
None 
Garment Workers, Ladies, A.F.L, 
Local UO (Beltmakers), N.Y.C. 
3 
$15 
13 weeks 
per year 
10 retro to it 
Special grant: 
$50 
♦5 
30 days per 
year 
None 
Garment Workers, Ladies, A.F.L, 
Local 62 (Undergarment & 
Negligee), N.Y.C. 
3 
$12 
lf> weeks 
per year 
7 retro to 1 
Special grant: 
$5o 
$U 
30 days per 
year 
None 
Garment Workers, Ladies, A.F.L, 
Local 66 (Bonnaz & Hand 
Embroiderers), N.Y.C, 
3 
$1? 
15 weeks 
per year 
7 retro to 1 
None 
$5 30 days per 
year 
None 
Garment Workers, Ladies, A.F.L 
Local 91 (Children’s Dress, 
Infants* Wear), N.Y.C. 
3 
$12 
15 weeks 
per year 
10 retro to h 
None 
$1* 
30 days per 
year 
Nona 
Garment Workers, Ladies, A.F.L. 
Local 98 (Rubber & Novelty), 
N.Y.C. 
3 
$12 
13 weeks 
per year 
10 retro to U 
None 
$3 
21 days per 
year 
None 
Garment Workers, Ladies, A.F.L. 
Local 99 (Clerks), N.Y.C. 
3 
$15 
15 weeks 
per year 
7 retro to 1 
None 
$5 
60 days per 
year 
None 
Garment Workers, Ladies, A.F.L 
Local 102 (Cloak & Dress 
Drivers), N.Y.C. 
3 
$15 
10 weeks 
per year 
10 retro to It 
None 
$5 
60 days per 
year 
None 
Garment Workers, Ladles, A.F.L 
Local 105 (Snow Suits & 
Infants' Wear), N.Y.C. 
3 
$13 
12 weeks 
per year 
10 retro to it 
Special grants 
$5o 
$5 
30 days per 
year 
None 
Garment Workers, Ladies, A.F.L., 
Local 12li (Theatrical Costumes), 
N.Y.C. 
$12 
10 weeks 
per year 
10 retro to it 
Special grants 
$50 
None 
Garment Workers, Ladies, A.F.L 
Local 132 (Button Makers), 
N.Y.C. 
3 
$12 
10 weeks 
per year 
10 retro to it 
None 
$3 
30 days per 
year 
None 
Garment Workers, Ladies, A.F.L., 
Local 11*2 (Shoulder Pad Div.), 
N.Y.C, 
$10 
10 weeks 
per year 
10 retro to it 
None 
$3.50 
21 days per 
year 
None 
Garment Workers, Ladies, A.F.L., 
Local llt2 (Ladies Neckwear Div.), 
N.Y.C. 
$10 
10 weeks 
per year 
10 retro to ii 
None 
$3 
21 days per 
year 
None 
Garment Workers, Ladies, A.F.L 
Local lii2 (Artificial Flower 
Div.), N.Y.C. 
3 
None 
None 
$2 
21 days per 
year 
None 
Garment Workers, Ladies, A.F.L 
Local 13$ (Knitgoods), N.Y.C. 
3 
$15 
13 weeks 
per year 
7 retro to 1 
Special grants 
C25 
$5 
21 days per 
year 
None 
Garment Workers, Ladies, A.F.L 
Eastern-Out-Of-Town Dept. 
3 
$13 
10 weeks 
per year 
10 retro to U 
None 
$5 
60 days per 
year 
None SEW YORK STATE, JANUARY 19i£ 
13 
Surgical 
(maximum 
allowance) 
: 
! Medical cash 
■ benefits or 
: medical care^ 
Eligibility 
requirements 
for new . 
employees44 
: 
5 Extent of coverage 
: during unemployment 
! or lay-off^ 
:: 
: 
: 
! Financing 
: 
:Type of 
:carrier 
$5o 
$25 medical credit 
(g). Free glasses 
to $5. T.B. 
benefit: $300. 
Convalescent home: 
$2 per day up to 
1U days 
3 months union membership 
and in industry 
No limit 
Etaployer 
2% (c) 
Self- 
insured 
150 
$30 medical credit 
(g). Eyeglass 
credit to $5. T.B. 
benefit; $300 
6 months union membership 
and in industry 
No limit 
Employer 
(c) 
Self- 
insured 
$50 
$20 medical credit 
(g). Eyeglass 
credit to $5. T.B. 
benefit: $300 
6 months union membership 
and in industry 
No limit 
Employer 
2% (c) 
Self- 
insured 
None 
$25 medical credit 
(g), Tree glasses 
to $5. T.B.benefit: 
$300 
6 months union membership 
No limit 
Etaployer 
2% (c) 
Self- 
insured 
$50 
$25 medical credit 
(g). T.B. benefit: 
$300 
6 months union membership 
and in industry 
No limit 
Employer 
(c) 
Self- 
insured 
None 
$31 medical credit 
(g). Free glasses 
or allowance to 
$5. T.B.benefit; 
$200. Convales- 
cent home up to 
U weeks 
6 months union membership 
No limit 
Etaployer 
2% (c) 
Self- 
insured 
$50 
T.B. benefit; 
$200 
6 months union membership 
and in industry 
No limit 
Etaployer 
(c) 
Self- 
insured 
$50 
$25 medical credit 
(g). Free glasses 
and hearing aids. 
T.B. benefit:$300 
Union membership 
No limit 
Etaployer 
2% (c) 
Self- 
insured 
$50 
$25 medical credit 
(g). Free glasses. 
T.B. benefit;$250 
6 months union membership 
and in industry 
No limit 
Etaployer 
2% (c) 
Self- 
insured 
$50 
$30 medical credit 
(g). Free glasses 
to $5. T.B. 
benefit: $250 
6 months union membership 
and in industry 
No limit 
Etaployer 
2% (c) 
Self- 
insured 
None 
$15 medical credit 
(g). Eyeglass 
credit to $5 in 
place of $5 
medical credit 
6 months union membership 
and in industry 
No limit 
Etaployer 
2% (c) 
Self- 
insured 
$50 
T.B. benefit: 
$300 
6 months union membership 
and in industry 
No limit 
Etaployer 
2% (c) 
Self- 
insured 
None 
$5 medical credit 
(g). T.B. benefit: 
$150 
6 months union membership 
and in industry 
No limit 
Etaployer 
(c) 
Self- 
insured 
None 
$5 medical credit 
(g). T.B. benefit: 
H50 
6 months union membership 
and in industry 
No limit 
Etaployer 
(c) 
Self- 
insured 
None 
$2 medical credit 
(g), T.B. benefit: 
$150 
6 months union membership 
and in industry 
No limit 
Etaployer 
(c) 
Self- 
insured 
$50 
$10 medical credit 
(g). Free glasses, 
T.B.benefit: $300 
6 months union membership 
No limit 
Etaployer 
(c) 
Self- 
insured 
$50 
Free glasses to 
$5. T.B. benefit; 
$250 
6 months union membership 
and in industry 
No limit 
Etaployer 
(c) 
Self- 
insured lit 
HEALTH INSURANCE FLANS WITH UNION OR UNION-MANAGEMENT ADMINISTRATION, 
Accident and Sickness 
Hospital 
Union 
Weekly rate-*- 
: Maximum 
Day benefits 
begin 
in case of 
Maternity2 
Daily 
: Maximum 
Extras 
(maximum 
s duration 
Acci 
dent 
- s Sick- 
: ness 
(maximum allowance) 
rate 
; duration 
allowance) 
Garment Workers, Ladies, A.F.L., 
Northeast Dept., Upstate N.T. 
no 
13 weeks per 
year 
lit retro to 8 
None 
$1* 
21 days per None 
year 
Handbag, Luggage, Belt & 
Novelty Workers, A.F.L., 
National 
$13 
10 weeks per 
disability 
(d) 
8 
8 
None 
$1* 
31 days per $20 
disability 
(d) 
Handbag, Luggage, Belt & 
Novelty A.F.L., 
Allied Trades Council, N.Y.C. 
$20 
52 weeks per 
disability 
1 
8 
Hospital: 12 days 
Dependents included 
$6 
Dependents 
included 
75 days per $30 
disability 
Handbag, Luggage, Balt & 
Novelty Workers, A.F.L., 
Local 60 (Luggage), N.Y.C. 
Regular wage: 
Less than $20 - $10 
$20 to $21*. 99 - 13 
25 to 29.99 - 16 
30 to 3U.99 - 19 
35 to 39,99 - 22 
1*0 to Wi.99 - 25 
1*5 to 1*9.99 - 28 
50 to 51*. 99 - 31 
55 to 59.99 - 31* 
60 to 6U.99 - 37 
65 and over - 1*0 
26 weeks per 
disability 
(d) 
1 
8 
Weekly benefit: 6 
weeks 
Hospital; lit days 
Surgical; full service 
Dependents: 
Hospital: 10 days 
$7 
Dependents; 
$5 
31 days per $35 
disability Dependents: 
$25 
Hatters, Cap & Millinery 
Workers, A.F.L., Millinery 
Joint Board, N.Y.C. 
Cutters, operators, 
blockers - $30 
Others - 20 
15 weeks per 
year 
1 
8 
None 
$5 
31 days per $25 
year 
Hatters, Cap & Millinery 
Workers, A.F.L., Local 2 
(Capmakers), N.Y.C. 
50$ of regular wage} 
minimum - $10 
maximum - 30 
20 weeks per 
year 
1 
8 
None 
$5 
30 days per 
year 
None 
Hatters, cap & Millinery 
Workers, A.F.L., Local 3 
(Straw Hats), N.Y.C. 
$25 
12 weeks per 
year 
1 
8 
None 
$5 
30 days per 
year 
None 
Hatters, Cap & Millinery 
Workers, A.F.L., Local 7 
(Trimmers), N.Y.C. 
$13 
10 weeks per 
disability 
(d) 
1 
8 
None 
$1* 
31 days per 
disability 
(d) 
None 
Hatters, Cap & Millinery 
Workers, A.F.L., Local 8 
(Finishers), N.Y.C, 
$20 
13 weeks per 
disability 
(d) 
1 
8 
Hospital: $80 
Dependents included 
Blue Cross (a) 
Dependents included 
Hatters, Cap & Millinery 
Workers, A.F.L., Local 20 
(Finishers), Yonkers 
$30 
13 weeks per 
disability 
(d) 
1 
8 
None 
$5 
31 days per None 
disability 
(d) 
Hatters, Cap & Millinery 
Workers, A.F.L., Local 21 
(Trimmers), Yonkers 
$15 
13 weeks per 
disability 
(d) 
1 
8 
Weekly benefit: 6 
weeks 
Hospital: ll* days 
Surgical; $25-1100 
$5 
31 days per 
disability 
(d) 
None 
Hatters, cap & Millinery 
Workers, A.F.L., Local 28 
Yonkers 
$10 
13 weeks per 
disability 
(d) 
1 
8 
Weekly benefit: 6 
weeks 
Hospital: 11* days 
Surgical: $25-$100 
$6 
31 days per None 
disability 
(d) 
Hatters, Cap & Millinery 
Workers, A.F.L., Local 30 
(Mechanics), N.Y.C. 
$0% of average wage; 
minimum - $15 
maximum - 30 
13 weeks per 
year 
1 
8 
If 6 wks, 
retro to 1 
None 
Blue Cross (a) 
Hatters, Cap & Millinery 
Workers, A.F.L., Local 70 
(Leather), N.Y.C. 
Regular wage: 
Less than $20 - $10 
$20 to $21*. 99 - 13 
25 to 29.99 - 16 
30 to 31*. 99 - 19 
35 to 39.99 - 22 
1*0 to lilt. 99 - 25 
1*5 to 1*9.99 - 28 
50 to 5U.99 - 31 
55 to 59.99 - 3U 
60 and over - 37 
13 weeks per 
disability 
(d) 
1 
8 
None 
$5 
31 days per None 
disability 
(d) 
Hatters, Cap & Millinery 
Workers, A.F.L., Local 80 
(Cap Fronts Div,), N.Y.C. 
50% of regular wagej 
maximum - $25 
12 weeks per 
year 
1 
8 
None 
$1* 
30 days per None 
year 
Hatters, Cap & Millinery 
Workers, A.F.L., Local 80 
(Lining Makers Div,), N.Y.C. 
50£ of regular wage; 
maximum - $30 
12 weeks per 
year 
1 
8 
None 
$5 
30 days per None 
year NEW YORK STATE, JANUARY 19 
15 
Surgical 
(maximum 
allowance) 
Medical cash 
benefits or 
medical care3 
’• Eligibility 
: requirements 
• for new 
• employees1* 
Extent of coverage 
during unemployment 
or lay-off? 
Financing 
Type of 
carrier 
None 
None 
6 months union member- 
ship and in industry 
No limit 
Employer 
1% 
Self- 
insured 
$100 (d) 
None 
3 months union member- 
ship and covered 
employment 
None 
Employer 
24-3$ (c) 
Insurance 
Company 
$200 
Doctor's visits $3. 
6 months union member- 
No limit 
Employer 
Insurance 
Dependents 
included 
Maximum $150 per 
year 
ship; covered employ- 
ment 
5$ (c) 
Company 
Full 
service (i) 
Full service (i) 
3 months union member- 
ship and covered employ- 
ment 
To end of calendar 
year 
Employer 
B% (c) 
Insurance 
Company & 
Health 
Insurance 
Plan 
$75 
None 
6 months union member- 
ship and covered employ- 
ment 
6 months 
Employer 
2% 
Self- 
insured 
$5o 
None 
6 months union member- 
ship and covered snploy- 
ment 
6 months 
Bnployer 
3$ 
Self- 
insured 
$50 
Nona 
6 months union member- 
ship and covered employ- 
ment 
6 months 
Employer 
2% (c) 
Self- 
insured 
$75 
Nous 
6 months union rnenber- 
ship and covered enploy- 
ment 
1 month 
Employer 
2% 
Insurance 
Company 
$150 
None 
Union membership} 2 
months covered employ- 
ment 
1 month 
Employer 
2% (c) 
Insurance 
Company 
$75 
None 
6 months union member- 
ship and covered employ- 
ment 
1 month 
Qnployer 
2% (c) 
Insurance 
Company 
$75 
None 
6 months union meafcer- 
ship and covered employ- 
ment 
1 month 
Employer 
2% (c) 
Insurance 
Company 
$150 
None 
h weeks union member- 
ship and covered employ- 
ment 
U weeks 
Employer 
2% (c) 
Insurance 
Company 
$75 
None 
6 months union member- 
ship and covered employ- 
ment 
6 months 
Employer 
3% (c) 
Self- 
insured & 
Blue Cross 
$75 
None 
Union membership and 
covered employment 
To end of quarter 
Employer 
3% (c) 
Insurance 
Company 
$75 
None 
6 months union member- 
ship and covered employ- 
ment 
6 months 
Employer 
3% (c) 
Self- 
insured 
$75 
None 
6 months union member- 
ship and covered employ- 
ment 
6 months 
Employer 
2% (c) 
Self- 
insured 16 
HEALTH INSURANCE PLANS WITH UNION OR UNION-MANAGEMENT AJJsiwxoimiix^, 
Accident and Sickness 
Hospital 
Union 
Weekly rate^ 
: Maximum 
Day benefits 
begin 
in case of 
Maternity2 
Daily 
Maximum 
Extras 
(maximum 
: duration 
•Acci- 
■dent 
- : Sick- 
: ness 
(maximum allowance) 
rate 
duration 
aliowane 
Hod Carriers, Building & Common 
Laborers, A.F.L., Mason 
Tenders District Council, N.I.C, 
$15 
13 weeks per 
disability 
(d) 
1 
8 
None 
None 
Hod Carriers, Building & Common 
Laborers, A.F.L., Westchester 
None 
None 
$8 
31 days per 
disability 
(d) 
$80 
Hod Carriers, Building & Common 
Laborers, A.F.L,, Locals 6, 6a, 
18, 20 (Cement & Concrete), 
N.I.C. 
$15 
13 weeks 
per disa- 
bility (d) 
1 
8 
None 
None 
Hod Carriers, Building & Common 
Laborers, A.F.L., Local 30 
(Plasterers' Helpers),N.I.C. 
None 
None 
$6 
31 days 
per disa- 
bility (d) 
$30 
Hod Carriers, Building & Common 
Laborers, A.F.L., Local 95 
(House Wreckers), N.I.C. 
None 
Dependents: 
Hospital: $60 
$8 
Dependents: 
$6 
31 days 
per disa- 
bility (d) 
$80 
Dependents 
$60 
Hotel & Restaurant Employees & 
Bartenders, A.F.L., Local 1 
(Waiters & Waitresses),N.I.C, 
$15 
13 weeks 
per disa- 
bility (d) 
1 
8 
Weekly benefit; 6 weeks 
Hospital; $80 
Surgical; $25-$lOO 
Dependents: 
Hospital; $80 
Blue Cross (a) 
Dependents included 
Hotel & Restarrant Employees & 
Bartenders, A.F.L,,. Local 2 
(Walters 4 Waitresses), 
Brooklyn 
$15 
13 weeks 
per disa- 
bility (d) 
1 
8 
Weekly benefit: 6 weeks 
Hospital: $80 
Surgical; $35-$100 
Dependents s 
Hospital: $80 
Blue Cross (a) 
Dependents included 
Hotel & Restaurant Etaployees & 
Bartenders, A.F.L,, Local 15 
(Bartenders), N.I.C. 
Monthly earnings: 
$50 to $79.99 - $10 
80 to 99.99 - 13 
100 to 119.99 - 16 
12o to 139.99 - 19 
lUO to 159.99 - 22 
160 to 179.99 - 25 
180 to 199.99 - 28 
200 to 219.99 - 31 
220 and over - 35 
13 weeks 
per disa- 
bility 
1 
8 
None 
$5 
31 days 
per disa- 
bility 
$50 
Hotel & Restaurant Etaployees & 
Bartenders, A.F.L,, Local 16 
N.I.C. 
Part-time 'worker - 
$10 
Full-time worker - 
$20 
26 weeks 
per disa- 
bility (d) 
1 
8 
Weekly benefit: 6 weeks 
Hospital; 1U days 
Extras: Part-time - $25 
Full-time - 50 
Surgical; 
Part-time - 
$12,50-$50 
Full-time - 
$25 -$100 
Part-time: 
$2.50 
Full-time: 
«5 
31 days 
per disa- 
bility 
Part-time: 
$25 
Full-time: 
$50 
Hotel & Restaurant Etaployees & 
Bartenders, A.F.L,, Local 29 
(Bartenders), Bronx 
Regular wages 
Less than $h0-$l0.5o 
$U0 and over - 20,00 
13 weeks 
per disa- 
bility (d) 
1 
8 
Hospital: $80 
Dependents included 
Blue Cross (a) 
Dependents included 
Hotel & Restaurant Etaployees & 
Bartenders, A.F.L., Local U2 
(Chain Service Restaurants), 
N.I.C. 
Regular wage: 13 weeks 
Less than $30 - $12.00 per disa- 
$30 to $39.99 - 15.00 bility (d) 
UO and over - 20.00 
Servers - 12.00 
Part-time worker—7.50 
1 
8 
'Weekly benefit: 6 weeks 
Hospital: $80 
Surgical: $25-$100 
Blue Cross (a) 
Dependents included 
Hotel & Restaurant Employees & 
Bartenders, A.F.L., Local 60 
(Countermen), N.I.C. 
Average wage: 
Less than $35 
Part-time -$10.50 
$35 to $U9.99- 20.00 
50 and over - 25.00 
13 weeks 
per disa- 
bility (d) 
1 
8 
Weekly benefit: 6 weeks 
Hospital: $8o 
Surgical: $25-$100 
Dependents: 
Hospital: $80 
Blue Cross (a) 
Dependents included 
Hotel & Restaurant Etaployees & 
Bartenders, A.F.L,, Local 70 
(Bartenders), Brooklyn-Queens 
$30 
13 weeks 
per disa- 
bility (d) 
1 
8 
Surgical: $25-$100 
Dependents; 
Hospital: $60 
Surgical: $25-$100 
$6 
31 days 
per disa- 
bility (d) 
$60 
Dependent-: 
included NEW YORK STATE, JANUARY 1%9 
17 
Surgical 
(maxloum 
allowance) 
5 Medical cash 
i benefits or 
t medical care^ 
Eligibility 
requirements 
for new, 
employees11 
Extent of coverage 
during unemployment 
or lay-off 5 
Financing 
Type of 
carrier 
None 
None 
6 month union member- 
ship 
5 months 
Einployer 
3% (c) 
Insurance 
Company 
None 
None 
6 months union member- 
ship 
No limit 
Einployer 
3% (c) 
Insurance 
Company 
None 
None 
6 months union member- 
ship and covered 
employment 
5 months 
Einployer 
3% (c) 
Insurance 
Company 
$150 
None 
6 months union member- 
ship; 2 calendar months 
covered employment 
5 months 
Einployer 
3% (c) 
Insurance 
Company 
$150 
Dependents s 
$100 
Doctor's visits $2- 
$3. Maximum $150 
per disability. 
Dependents maximum 
$100 
3 months union member- 
ship and covered 
employment 
3 months 
Einployer 
3% (c) 
Insurance 
Company 
$150 
None 
6 months union member- 
ship; covered employ- 
ment (e) 
1 month 
Einployer 
558 (c) 
Insurance 
Company & 
Blue Cross 
$225 
None 
2 months union member- 
ship and covered employ- 
ment (e) 
3 weeks 
Employer 
$1.75 
per week 
per worker 
(c) 
Insurance 
Company, 
Blue Cross 
& United 
Medical 
Service 
Reduced 
rates. 
Depend- 
ents in- 
cluded 
Free medical and 
dental clinics. Re- 
duced rates for 
home visits by 
doctor, or 
specialists 
Dependents; Re- 
duced rates for 
specialists and 
dentist's service 
3 months union member- 
ship, plus month of 
initiation 
1 month 
Einployer 
5$ or $10 
per worker 
per month 
(c) 
Insurance 
Company 
Part-time: 
$75 
Full-time: 
$150 
Doctor's visits $2- 
$3. Maximum Part- 
time - $75, 
Full-time - $150 
per disability (d) 
Union membership; first 
of month after 13 days 
covered employment 
Weekly benefit: 
None 
Other benefits: 
To and of 
calendar month 
Employer 
$2.63 per 
month per 
part-time 
worker, 
$5.25 per 
month per 
full-time 
worker (c) 
Insurance 
Company 
$150 
None 
3 months union member- 
ship and covered employ- 
ment 
1 month 
Einployer 
h% (c) 
Insurance 
Compaqy & 
Blue Cross 
$150 
Union doctor's 
services at office, 
hospital or home. 
Dependants: Free 
medical exams 
Union membership; 3 
months covered employ- 
ment 
1 month 
Employer 
(h) 
Insurance 
Company & 
Blue Cross 
$150 
None 
3 months union member- 
ship and covered employ- 
ment, with average 
monthly earnings of 
$100 or more 
1 month 
Employer 
$8 par 
month pa: 
worker (c) 
Insurance 
Company & 
Blue Cross 
H50 (d) 
Dependents 
included 
Doctor's visits $2- 
$3, Maximum $150 
per disability (d) 
3 months union member- 
ship; 2 months covered 
employment 
1 month 
Employer 
558 (c) 
Insurance 
Company 18 
HEALTH INSURANCE PLANS WITH UNION OR UNION-MANAGEMENT 
administration. 
Accident and Sickness 
Hospital 
Union 
Weekly rate 
I 
: Maximum 
: Day benefits 
: begin 
: in c ase of 
2 
Maternity 
Dally 
‘ s Extras 
"• Maximum : (maximum 
: duration 
:Acci- 
:dent 
: Sick- 
: ness 
(maximum allowance) 
rate 
: duration : allowance) 
Hotel & Restaurant Employees & 
Bartenders, A.F.L., Local 76 
(Bartenders), Syracuse 
None 
Hospital; 1U days 
Extras: $25 
$5 
31 days per $25 
disability 
(d) 
Hotel & Restaurant Employees & 
Bartenders, A.F.L., Local 89 
(Chefs), N.T.C. 
Regular wage: 
Less than $30 - 
$30 to $39.99 - 
UO to U9.99 - 
50 to 59.99 - 
60 to 69.99 - 
70 to 79.99 - 
80 and over - 
$10.50 26 weeks 
15.00 per disa- 
20.00 bility (d) 
25.00 
30.00 
35.00 
140.00 
1 
8 
Weekly benefits 6 weeks 
Hospital: $80 
Surgical: Full service 
Dependents: 
Hospital: $80 
Blue Cross (a) 
Dependents included 
Hotel & Restaurant Etaployees & 
Bartenders, A.F.L,, Local lUU 
(Hotel Front Service), N.T.C. 
Men 
Women - 
$12 
10 
26 weeks 
per disa- 
bility (d) 
1 
8 
Weekly benefit: 6 weeks 
Hospital: $80 
Dependents: 
Hospital; $80 
Blue Cross (a) 
Dependents included 
Hotel & Restaurant Employees & 
Bartenders, A.F.L., Local 173 
(Bartenders), Binghamton 
None 
Hospital: lit days 
Extras: $35 
$7 
31 days per $35 
disability 
(d) 
Hotel & Restaurant Employees & 
Bartenders, A.F.L., Local 216, 
Binghamton 
None 
Hospital: lU days 
Extras: $25 
$5 
31 days per $25 
disability 
(d) 
Hotel & Restaurant Employees & 
Bartenders, A.F.L,, Local 219 
(Waiters & Waitresses), N.T.C. 
$10 
13 weeks 
per disa- 
bility (d) 
1 
8 
Weekly benefit: 6 weeks 
Hospital: $80 
Surgical: $25-$100 
Dependents: 
Hospital: $80 
Blue Cross (a) 
Dependents included 
Hotel & Restaurant Employees & 
Bartenders, A.F.L,, Local 302 
(Cafeteria), N.T.C. 
60$ of average wage 
52 weeks 
per disa- 
bility 
1 
8 
Weekly benefit; 6 weeks 
hospital: 12 days 
Surgical: $30-$120 
Dependents: 
Hospital: 12 days 
Surgical; $30-$120 
$8 
Wife: $6 
Child: 5 
50 days per $1:5 
disability Dependents: 
$25 
Hotel & Restaurant Employees & 
Bartenders, A.F.L., Local 32? 
(Cooks, Countermen), Brooklyn 
Regular wage: 
Less than $20 - 
$20 to $2U.99 - 
25 to 29.99 - 
30 to 3U.99 - 
35 to 39.99 - 
iiO to U4.99 - 
U5 to U9.99 - 
50 to 5U.99 - 
55 to 59.99 - 
60 to 6iu99 - 
65 to 69.99 - 
70 to 7U.99 - 
75 to 79.99 - 
80 to 8U.99 - 
85 to 89.99 - 
90 to 9U.99 - 
95 to 99.99 - 
100 and over - 
$10 
13 
16 
19 
22 
25 
28 
31 
3U 
37 
Uo 
U3 
U6 
h9 
52 
55 
58 
60 
26 weeks 
per disa- 
bility 
1 
8 
If 29, 
retro 
to 1 
Weekly benefit: 6 weeks 
Hospital: $80 
Surgical: $33.33-$133.33 
Dependents; 
tospital: $80 
Surgical: $25-$100 
Blue Cross (a) 
Dependents included 
Hotel & Restaurant Employees & 
Bartenders, A.F.L., Local U71, 
Albany 
Men 
Woman - 
$12 
10 
13 weeks 
per disa- 
bility (d) 
1 
8 Weekly benefit: 6 weeks 
Hospital; $70 
$7 
31 days per $70 
disability 
Hotel Trades Council, A.F.L., 
u.y.c. 
Men 
Women - 
$12 
10 
26 weeks 
per disa- 
bility (d) 
1 
8 
Weekly benefit: 6 weeks 
Hospital: $80 
Dependents: 
Hospital: $80 
Blue Cross (a) 
Dependents included NEW YORK STATE, 
JANUARY 19U9 
Surgical 
(maximum 
allowance) 
Medical cash 
benefits or 
medical care3 
Eligibility- 
requirements 
for new 
employees^ 
Extent of coverage 
during unemployment 
or lay-off? 
: Financing 
Type of 
carrier 
None 
None 
Union membership; 8th 
of month after covered 
employment 
(h) 
Employer 
3% (c) 
Insurance 
Company 
Full 
service (i) 
Full 
service (i) 
2 months union member- 
ship and covered 
employment (e) 
Weekly benefit: 
None 
Other benefits: 3 
months 
Employer 
h% (c) 
Insurance 
Company, 
Blue Cross 
& Health 
Insurance 
Plan 
None 
None 
6 months union manbar- 
ship; i: months covered 
employment (e) 
None 
Employer 
3% (c) 
Insurance 
Company & 
Blue Cross 
None 
None 
(h) 
(h) 
(h) 
Insurance 
Company 
None 
None 
(h) 
(h) 
(h) 
Insurance 
Company 
$150 
Union doctor's visits 
at office or home. 
Reduced rates for 
special treatments, 
X-rays, surgery. 
Dependents: Free 
medical exams at 
office. Reduced rates 
for home visits, 
special treatments, 
X-rays, surgery 
Union membership; 1 
month covered employ- 
ment (e) 
1 month 
Employer 
5* (c) 
Insurance 
Company & 
Blue Cross 
$210 
Dependants 
included 
Doctor's visits $2- 
$3. Maximum 50 visits 
per disability 
Union membership; 1 
calendar month 
covered employment 
None 
Employer 
3% (c) 
Insurance 
Company 
$200 Doctor's visits $2- Onion membershipj 1 
Dependents: $3. Maximum $75 per month covered employ- 
3150 disability (d) ment 
Dependents: Doctor's 
hospital visits $3. 
Maximum $75 per 
disability 
None 
Enployar 
5* (c) 
Insurance 
Company & 
Blue Cross 
None None U months covered 
employment 
None 
(h) 
Insurance 
Company 
None (f) 6 months union member- 
ship) I: months covered 
employment 
2 weeks 
Employer 
3% (c) 
Insurance 
Company & 
Blue Cross 20 
HEALTH INSURANCE PLANS WITH UNION OR UNION-MANAGEMENT ADMINISTRATION, 
: Accident and Sickness 
Hosoital 
Union 
: Weekly rate^ 
• Maximum 
: Day benefits 
: begin 
: in case of 
2 
Maternity 
Daily 
: Maximum 
Extras 
(maximum 
! duration 
'Acci- 
dent 
- : Sick- 
: ness 
(maximum allowance) 
rate 
• duration 
allowance) 
Jewelry Workers, A#F#L«, 
Local 1, N.Y.C. 
Regular wage: 
Less than $20 - $10 
$20 to $21*. 99 - 13 
25 to 29.99 - 16 
30 to 31*.99 - 19 
35 to 39.99 - 22 
1*0 to 1*9.99 - 25 
1*5 to 1*9.99 - 28 
50 to 51*.99 - 31 
55 to 59.99 - 31* 
60 to 61*.99 - 37 
65 and over - 1*0 
52 weeks 
per disa- 
bility 
1 
8 
Weekly benefit: 6 weeks 
Hospital: ll* days 
Extras: $70 
Surgical: $33.33-$133.33 
Dependents; 
Special grant; $75 
$7 
Dependents 
$5 
70 days per 
disability 
Dependents; 
31 days 
$70 
Dependents: 
$25 
Jewelry Workers, A.F.L., 
Local 38 (Silver), N.Y.C. 
Regular wage: 
$30 to $31*.99 - $18 
35 to 39.99 - 21 
1*0 and over - 25 
52 weeks 
per disa- 
bility 
1 
8 
Weekly benefit: 6 weeks 
Hospital: 12 days 
Surgical: $25-$125 
$6 
70 days per 
year 
$60 
Jewelry Workers, A.F.L., 
Local 1*9 (Metal Spinners), 
N.Y.C. 
Regular wages 
Less than $35 -$10,50 
$35 to $1*9.99 - 20 
50 and over - 25 
13 weeks 
per disa- 
bility (d) 
1 
8 
None 
None 
Lathers, A.F.L., Local 
6, Queens 
$25 
13 weeks 
per year 
8 
8 
None 
$6 
30 days per 
year 
$20 
Lathers, A.F.L., Local 
1*6 (Metal Lathers) N.Y.C. 
None 
Hospital: $80 
Dependents included 
Blue Cross (a) 
Dependents included 
Lithographers, C.I.O., 
Local 1, N.Y.C. 
5056 of regular wage; 
minimum $22 or 60% of 
wage, whichever is 
less, maximum $1*0 
Occupational: 
Difference between 
workmen's compensa- 
tion benefit and 
above 
26 weeks 
per disa- 
bility 
1 
8 
Hospital: $80 
Surgical: $25-$100 
Dependents included 
Blue Cross (a) 
Dependents included 
Longshoremen, A.F.L., 
Port of New York 
$25 
13 weeks 
per disa- 
bility 
1 
8 
None 
Blue Cross (a) 
Marble, Slate, Stone, Tile, 
& Terrazzo Workers, A.F.L., 
Locals 1 & 10, Bricklayers, 
Masons & Plasterers, A.F.L., 
Local 1* (Marble), N.Y.C. 
None 
None 
$6 
Wife 
included 
31 days per $60 
disability Wife 
included 
Marble, Slate, Stone, Tile, 
& Terrazzo Workers, A.F.L., 
Local 35, Bricklayers, 
Masons & .Plasterers, A.F.L., 
Local 3 (Mosaic & Terrazzo), 
N.Y.C. 
$10 
13 weeks 
per disa- 
bility 
1 
8 
None 
$6 
31 days per 
disability 
(d) 
$30 
Meat Cutters & Butcher 
Workmen, A.F.L., Local 3l», 
Buffalo 
Regular wage: 
Less than $30 - $15 
$30 to $3U.99 - 20 
35 to 39.99 - 23 
1*0 to 1*1*. 99 - 26 
1*5 and over - 30 
13 weeks 
per disa- 
bility (d) 
1 
8 
Weekly benefit: 6 weeks 
Hospital; 11* days 
Surgical: $25-$100 
Dependents; 
Hospital; $60 
Surgical: $25-$100 
$6 
Dependents 
included 
31 days per 
disability 
(d) 
$30 
Dependents 
included 
Meat Cutters & Butcher 
Workmen, A.F.L., Local 1?1* 
(Bologna), N.Y.C. 
$20 
13 weeks 
per disa- 
bility 
1 
8 
Weekly benefit; 6 weeks 
Hospital; ll* days 
Extras; |60 
Surgical; $25-$100 
Dependents; 
Hospital: $60 
$6 
Dependents 
included 
31 days per 
disability 
$60 
Dependents; 
$30 
Meat Cutters & Butcher 
Workmen, A.F.L., Local 23l* 
(Hebrew Butcher), N.Y.C. 
$10 
10 weeks 
per year 
3 retro 
to 1 
None 
$8 
1$ days per 
year 
None 21 
Surgical 
(maximum 
allowance) 
Medical cash 
benefits or 
medical care-’ 
Eligibility 
requirements 
for new . 
employees** 
: 
: 
! Extent of coverage 
: during unemployment 
or lay-off^ 
: 
| Financing 
Type of 
carrier 
$200 
Doctor's visits $2~$3» 
Maximum $75 per disa- 
bility 
Union membership}first 
of month after covered 
employment 
Weekly benefit; 1 
month 
Other benefits; 2 
months 
Employer 
3# (c) 
Insurance 
Company 
♦200 
Doctor's visits $3-4b. 
Maximum $200 per disa- 
bility 
Union membership}first 
of month after covered 
employment 
To end of calendar 
month. No limit if 
member pays $5.50 
monthly 
Employer 
$5.50 per 
month per 
worker (o) 
Insurance 
Company 
Nona 
None 
Union membership and 
covered employment 
(•) 
Voluntary quit; 1 
month 
Lay-off; 2 months 
Qnployer 
(c) 
Insurance 
Company 
None 
None 
1 year union member- 
ship 
No limit 
Qnployer 
3% (c) 
Self- 
insured 
None 
$250 
6 calendar months 
covered employment 
earning $200 a 
month (apprentices 
$100 a month) 
6 months, or less 
than 30 days 
covered employ- 
ment in policy 
year 
Employer 
3% (c) 
Insurance 
Company & 
Blue Cross 
♦150 
Dependants 
Included 
Visiting nurse 
service 
Experienced produc- 
tion workers; 
covered employment 
Inexperienced help; 
1; weeks covered 
employment 
1 month 
Qnployer 
n. 65*42 
per week 
per worker 
Insurance 
Company & 
Blue Cross 
♦150 
None 
Union membership} 800 
hours covered employ- 
ment in preceding 
fiscal year} covered 
employment in calendar 
year 
To end of calends 
year 
Qnployer 
cents 
per hour 
oer worker 
(c) 
Insurance 
Company & 
Blue Cross 
♦225 
Wife 
Included 
None 
6 months union member- 
ship 
No limit 
Qnployer 
3% (c) 
Insurance 
Company 
♦150 
None 
First of month after 
6 months union member- 
ship and 75 days, 
covered employment 
5 months 
Employer 
3% (c) 
Insurance 
Company 
♦150 (d) 
Dependents 
Included 
None 
Union membership and 
6 months covered employ- 
ment 
To end of follow- 
ing calendar month 
Qnployer 
(h) 
Insurance 
Company 
♦150 
Doctor's visits $2- 
$3. Maximum $150 
per disability 
Covered by union agree- 
ment} 3 months covered 
employment 
None 
Qnployer 
$1.75 per 
week per 
worker (c) 
Insurance 
Company 
H50 
♦30 medical credit 
with union doctors 
per year. Free 
medical exams. Free 
eye exam and glasses 
Union membership 
No limit 
Qnployer 
♦2 per 
week per 
worker 
Qnployee 
♦10 per 
year (c) 
Self- 
insured 22 
HEALTH INSURANCE PtANS WITH UNION OR UNION-MANAGEMENT ADMINISTRATION, 
: A 
ccident 
and Sickness 
Hospital 
Union 
: Weekly rate* 
s : 
: Maximum : 
Day benefits 
begin 
in case of 
s Maternity^ 
Daily 
: Maximum 
: Extras 
: (maximum 
: 
: duration :Acci- s Sick- 
: sdent : ness 
s (maximum allowance) 
rate 
: duration 
: allowance) 
Meat Cutters & Butcher Workmen, 
A.F.L., Local 1*00, N.Y.C. 
$25 
13 weeks per 
disability 
(d) 
1 
8 
Weekly benefit: 6 weeks 
Hospital: $80 
Surgical: $25-$100 
Dependents: 
Hospital; $80 
Blue Cross (a) 
Dependents included 
Meat Cutters & Butcher Workmen, 
A.F.L,, Local 627 (Provision 
Salesmen), N.I.C. 
125 
13 weeks per 
disability 
(d) 
1 
8 
Hospital; $80 
Dependents 
Included 
Blue Cross 
Dependents included 
Metal Engravers, Independent, 
Local lU (Marking Device), 
N.Y.C. 
$20 
13 weeks per 
disability 
(d) 
1 
8 
Weekly benefit; 6 weeks 
Hospital: lh days 
Surgical: $25-$100 
$6 
31 days 
per disa- 
bility 
$60 
Metal Polishers, A.F.L,, 
Local 8, N.Y.C. 
$20 
13 weeks per 
disability 
1 
8 
Weekly benefit: 6weeks 
Hosp:U+ days Extras:$JO 
Surgical: $25 - $100 
Dept Hospt lOdays 
Surgicalt $25 - $100 
$6 31 days 
Dependents: per disa- 
$5 bility 
$30 
Dependents: 
$25 
Office & Professional Workers, 
C.I.O., Local 16 (Cashiers 
Div.), N.Y.C. 
$25 
13 weeks per 
disability 
1 
8 
Weekly benefit; 6 weeks 
Surgical: $25-$100 
Blue Cross 
(a) 
Office & Professional Workers, 
C.I.0.,Local 16 (Direct Mail 
Div.), N.Y.C. 
Part-time worker 
Full-time worker 
of average wage; 
maximum 
- $10 
- 60% 
- $20 
13 weeks per 
disability 
8 
8 
None 
$5 
31 days 
per disa- 
bility 
$25 
Optical Workers, C.I.O., 
Local 208, N.Y.C. 
Regular wages 
Less than $2U - $12 
$2U to $29.99 - 15 
30 to 35.99 - 18 
36 to hi.99 - 21 
U2 to U7.99 - 2h 
U8 to 53.99 - 28 
5U and over - 35 
13 weeks per 
disability 
(d) 
1 
8 
Weekly benefit; 6 weeks 
Hospital: $80 
Surgical: $37.50-$l50 
Dependents: 
Hospital: $80 
Blue Cross (a) 
Dependents included 
Painters, Decorators & 
Paperhangers, A.F.L., 
District Council 9, N.Y.C. 
$10 (3) 
13 weeks per 
disability 
1 
8 
Hospital: $80 
Surgical: Full service 
Dependents; 
Hospital: $80 
Blue Cross (a) 
Dependents included 
Painters, Decorators & 
Paperhangers, A.F.L., Queens 
$12 
13 weeks per 
disability 
(d) 
1 
8 
Weekly benefit; 6 weeks 
Hospital: lU days 
Surgical: $25-$100 
Dependents; 
Hospital; 10 days 
$6 
Dependents 
included 
31 days 
per disa- 
bility 
(d) 
$30 
Dependents 
included 
Painters, Decorators & 
Paperhangers, A.F.L., Local 
h!2, Staten Island 
$15 
13 weeks per 
disability 
(d) 
1 
8 
Dependents; 
Hospital: $60 
$6 
Dependents 
included 
31 days 
per disa- 
bility 
(d) 
$30 
Dependents 
include-* 
Painters, Decorators & 
Paperhangers, A.F.L., 
Locals 6U5, 1507, 1511, 
Brooklyn 
$20 
13 weeks per 
disability 
(d) 
1 
8 
Dependents: 
Hospital: $80 
$8 
Dopenden ts 
included 
31 days 
per disa- 
bility 
(d) 
$U0 
Dependents 
included NEW YORK STATE, JANUARY 19 
23 
Surgical 
(maximum 
allowance) 
s 
: Medical cash 
: benefits or 
: medical care^ 
: 
Eligibility 
s requirements 
s for new . 
* employees^ 
t 
t 
! Extent of coverage 
s during unemployment 
' or lay-off5 
* 
t 
: 
2 Financing 
t 
: 
'Type of 
'carrier 
: 
: 
$150 
Onion doctor's visits 
at home or office. 
Reduced rates for 
specialists,surgical, 
dental and eye care, 
drugs, after - hours 
doctor visits 
2 months union member- 
ship and covered 
employment 
2 months 
Qnployer 
$9 per 
month per 
worker 
(c) 
Insurance 
Company & 
F" at Cross 
«25o 
Doctor's visits $2- 
$3. Maximum $100 
per year. Free 
medical exams, eye 
exams and glasses, 
dental exams and 
cleanings. Reduced 
rates ibr medical 
and dental services 
6 months union member- 
ship and covered 
employment 
No limit 
Qnployer 
$2 per 
week per 
worker 
(c) 
Insurance 
Company & 
Blue Cross 
1225 
Doctor's visits $2- 
$3. Maximum $150 
per disability 
Union membership. 
3 months covered 
employment 
3 months 
Qnployer 
3% (c) 
Insurance 
Company 
$150 
Dependents 
included 
None 
Union membership; 
22nd day of month 
after 1 month 
covered employment 
(e) 
2 months 
Qnployer 
3% (c) 
Insurance 
Company 
$150 
None 
Union membership; 
h0 days covered 
employment (e) 
Hospital: 2 months. 
Other benefits: 
To end of calendar 
month 
Qnployer 
3% (c) 
Insurance 
Company & 
Blue Cross 
None 
Visiting nurse 
service 
Union membership; 
full-time; 160 hours 
covered employment; 
part-time: 72 hours 
covered employment 
To end of following 
calendar month 
Qnployer 
$.62 per 
week per 
full-time 
worker, 
$.3U par 
part-time 
worker (c) 
Insurance 
Company 
$225 
Doctor's visits $3- 
$5. Maximum $150 
per disability (d) 
Union membershipjl 
month covered employ- 
ment (e) 
None 
Qnployer 
3\% (c) 
Insurance 
Company & 
Blue Cross 
Poll service 
(i) 
Pull service 
(i) 
First of quarter 
beginning 1 month 
after 6 months union 
union membership and 
days covered 
Employment in 12 
months 
5 months or until 
less than 75 days 
covered employment 
in 12 months ending 
1 month before 
first of quarter; 
weekly benefits 
cease on failure 
to maintain either 
requirement 
Qnployer 
3% (c) 
Insurance 
Company, 
Blue Cross 
& Health 
Insurance 
Plan 
$150 
Dependents: Do ctor's 
visits $2-$3. 
Maximum $150 per 
disability 
First of month after 
6 months union member- 
ship and 75 days 
covered employment 
5 calendar months 
Employe’ 
3% (c) 
Insurance 
Company 
$150 
Doctor's visits $2- 
Maximum $150 per 
disability (d) 
First of month after 
6 months union member- 
ship and 75 days 
covered employment 
5 months 
Qnployer 
3% (c) 
Insurance 
Company 
$225 
None 
First of month after 
6 months union member- 
ship and 75 days 
covered employment; 
under 60 years 
5 months 
Qnployer 
3% (c) 
Insurance 
Company 2k 
HEALTH INSURANCE PLANS WITH UNION OR UNION-MANAGEMENT ADMINISTRATION, 
! 
Accident and Sickness 
Hospital 
Onion 
: Weekly rate"*- 
: 
: 
: Maximum 
Day benefits 
begin 
in case of 
2 
Maternity 
Daily 
Maximum 
Extras 
(maximum 
: duration 
Acci- ; 
dent s 
5Ick^ 
less 
(maximum allowance) 
rate 
duration 
allowance 
Painters, Decorators & Paper- 
hangers, A.F.L., Local 806 
(Structural Steel), N.T.C. 
$15 
13 weeks 
per disa- 
bility (d) 
1 
8 
Dependents: 
Hospitals $60 
$8 
Dependents 
included 
31 days per $U0 
disability Dependents 
(d) included 
Painters, Decorators & Paper- 
hangers, A.F.L., Local 108? 
(Glaziers), N.Y.C. 
$15 
13 weeks 
per disa- 
bility (d) 
1 
8 
Dependents; 
Hospital: $60 
$6 
Dependents 
included 
31 days per $30 
di sability Dependen ts 
(d) included 
Painters, Decorators & Paper- 
hangers, A.F.L., Local 11:82 
(Paint, Varnish & Laquer), 
N.Y.C. 
$22 
13 weeks 
per disa- 
bility 
1 
h 
Weekly benefit: 6 weeks 
Hospital; $60 
Surgical; $l8.?5-$75 
$6 
31 days per $30 
di sability 
Photo-Engravers, A.F.L., 
Local 1 Associates, N.Y.C. 
$20 
13 weeks 
per disa- 
bility (d) 
1 
h 
Weekly benefit: 6 weeks 
Hospital; $80 
Surgical: $25-50.00 
Dependents: Hospital; 
$80 
Surgical; $25-$100 
Blue Cross (a) 
Dependents included 
Playthings, Jewelry & Novelty 
Workers, C.I.O., Local 223 
(Toy & Novelty), N.Y.C, 
$15 
10 weeks 
per year 
10 retro 
It 
to 
None 
None 
Plasterers, Operative, A.F.L., 
Local 30, Brooklyn 
$10 
13 weeks 
per disa- 
bility (d) 
1 
8 
None 
$6 
31 days per 
disability 
(d) 
$30 
Plasterers, Operative, A.F.L., 
Local 60, N.Y.C. 
$10 
13 weeks 
per disa- 
ability(d) 
1 
8 
None 
$6 
31 days 
per dis- 
ability (d) 
$60 
Plasterers, Operative, A.F.L., 
Local 31k, Long Island City 
$10 
13 weeks 
per disa- 
bility(d) 
1 
8 
Weekly benefit: 6 weeks 
Hospital: l2j days 
Surgical: $25-$10O 
$5 
31 days 
per dis- 
ability 
$25 
Plasters, Operative, A.F.L., 
Local 780 (Cement Masons), 
N.Y.C. 
None 
None $10 
31 days 
per dis- 
ability^) 
$50 
Plasterers, Operative, A.F.L., 
Local 852, Queens-Nassau- 
Suffolk 
$20 
13 weeks 
per dis- 
ability(d) 
1 
8 
Weekly benefits 6 weeks 
Hospitals lU days 
$5 
31 days 
per dis- 
ability 
$25 
Plumbers, A.F.L., Local 1, 
Brooklyn 
None 
Hospitals 10 days 
Surgical: $25-$100 
Dependents included 
$10 
Dependents 
included 
31 days 
per dis- 
ability 
$75 
Dependents 
included 
Plumbers, A.F.L.,Local 2, 
N.Y.C. 
None 
None 
$8 
Dependents 
included 
31 days 
per dis- 
ability 
m 
Dependents 
included 
Pocketbook, Leather Goods and 
Novelty Workers, Independent, 
N.Y.C. 
None 
None 
Blue Cross (a) NEW YORK STATE, JANUARY 1g[Q 
25 
Surgical 
(maximum 
allowance) 
: Medical cash 
: benefits or 
e medical care^ 
Eligibility 
requirements 
for new 
employees^ 
Extent of coverage 
during unemployment 
or lay-off5 
: 
: 
: 
: Financing 
: 
: 
: Type of 
: carrier 
$225 
None 
First of month after 
6 months union member- 
ship and 75 days, 
covered employment 
5 months 
Employer 
3% (c) 
Insurance 
Company 
$150 (d) 
None 
First of month after 
6 months union member- 
ship and 75 days 
covered employment 
5 months 
Qnployer 
3% (c) 
Insurance 
Company 
$112.50 
None 
k months covered 
enployment 
1 month 
Qnployer 
$3.85 per 
month per 
worker (c) 
Insurance 
Company 
$150 (d) 
Dependents 
Included 
Doctor's visits $2- 
$3. Maximum $75 
per disability 
Union membership; 
first of month after 
Ij weeks covered 
employment; optional 
coverage 
2 calendar months 
Employer 
$1 per w eek 
per worker. 
Employee 
$1 per 
week 
Insurance 
Company & 
Blue Cross 
Nona 
Medical exam by 
union doctor each 
year. T.B. benefit; 
$200 or hospital 
near N.Y.-$l5 
for 10 weeks & 
$25 expenses, or 
hospital in 
distant state - 
rail fare & $25 
expenses 
6 months union member- 
ship and covered em- 
ployment; pass medical 
exam 
No limit if member 
pays $.30 per 
month 
Qnployer 
$1.25 per 
month per 
worker (c) 
Self- 
insured 
$150 
None 
First of month after 6 
months union member- 
ship and 2 months 
covered employment 
5 months 
Qnployer 
3% (c) 
Insurance 
Company 
$150 
None 
6 calendar months 
union membership 
5 months 
Qnployer 
3% 
Insurance 
Company 
$150 
None 
Union membership; 6 
months covered em- 
ployment 
2 months 
Qnployer 
3% (c) 
Insurance 
Company 
$225(d) 
None 
6 calendar months 
union membership 
No limit 
Qnployer 
3% (c) 
Insurance 
Company 
$150 
Doctor's visits $2- 
$3. Maximum $150 per 
disability 
Union membership; 6 
months covered em- 
ployment 
6 months 
Qnployer 
3% (c) 
Insurance 
Company 
$315(b) 
Dependents 
indluded 
Doctor's visits in 
hospital $3.30 to 
$16.50 per day.Max- 
imum $750. Special- 
ist consultation 
$10. Visiting nurse 
service at home. 
Dependents included 
(b) 
Union membership and 
covered employment 
No limit 
Employer 
3% 
Insurance 
Company & 
Group Health 
$150 
Dependents 
included 
None 
6 months union member- 
ship; covered employ- 
ment or eligible for 
same 
1 year 
Employer 
3% (c) 
Insurance 
Company 
$225 
Doctor's visits in 
hospital $3 per 
visit. $10 per week. 
Maxisum $200 per dis- 
ability. Specialist 
consultation $10 
Union membership; 3 
months covered em- 
ployment 
To end of calendar 
month 
Employer 
$2 per 
month 
per worker 
(c) 
Blue Cross 
& United 
Medical 
Service 26 
HEALTH INSURANCE PLANS WITH UNION OR UNION-MANAGEMENT ADMINISTRATION, 
: Accident and Sickness 
: Hospital 
Union 
: 
| Weekly rate^" 
: 
Maximum 
:Day benefits 
: begin 
: in case of 
Maternity^ 
: 
. Daily 
Maximum 
t Extras 
:(maximum 
dv.ration 
[Acci- 
dent 
[Sick- 
[ness 
(maximum allowance) 
: rate 
duration 
: allowance 
Pulp, Sulphite & Paper Mill 
Workers, A.F.L., Local 299 
(Paper Box), N.Y.C, 
None 
None 
$5 
30 days 
per year 
None 
Pulp, Sulphite & Paper Mill 
Workers, A.F.L., Local 381, 
(Folding Box), N.Y.C. 
Regular wages 
Less than $30 - $12.50 
$30 to $39.99 - 17.50 
hO to U9.99 - 22.50 
50 to 59.99 - 27.50 
60 and over - 32.50 
13 weeks 
per dis- 
ability (d) 
1 
8 
Weekly benefit: 6 weeks 
Hospital: lh days 
Surgical: $25-$100 
$6 
31 days 
per dis- 
ability 
$30 
Pulp, Sulphite & Paper Mill 
Workers, A.F.L., Local hl3 
(Sample Card), N.Y.C. 
$20 
26 weeks 
per dis- 
ability 
1 
8 
Weekly benefit; 6 weeks 
Hospital; 12 days 
$5 
50 days 
per dis- 
ability 
$25 
Retail & Wholesale, Independ- 
ent, Local 830, N.Y.C. 
$17.50 
13 weeks 
per dis- 
ability 
1 
8 
Weekly benefit: 6 weeks 
Hospital: lh days 
Surgical: $25-$100 
Dependents: 
Hospital: 10 days 
$7 
Dependents: 
$5 
31 days 
per dis- 
ability 
$35 
Dependents: 
$25 
Retail Clerks, A.F.L., Local 
150 (Bakery & Confectionery), 
N.Y.C. 
$15 
26 weeks 
per dis- 
ability 
1 
8 
Weekly benefit: 6 weeks 
Hospital; 12 days 
$5 
70 days 
per dis- 
ability 
$25 
Retail Clerks, A.F.L., Locals 
mi, in5, ni5A, m5D, 
1506, N.Y.C. 
$10 
13 weeks 
per dis- 
ability 
(d) 
8 
8 
None 
$h 
31 days 
per dis- 
ability 
(d) 
$20 
Retail Drug Store Employees, 
Independent, Local U99» 
N.Y.C. 
Regular wage: 
Less than $30.01-$16.50 
$30.01 to $h0 - 20.00 
U0.01 to 50 - 26.50 
50.01 to 60 - 35.00 
60.01 and over - I4.O.OO 
13 weeks 
per dis- 
ability 
(d) 
1 
8 
Weekly benefit; 6 weeks 
Hospital: $80 
Surgical; $25-$10O 
Dependents; 
Hospital: $80 
Blue Cross(a) 
Dependents included 
' 
Retail, Wholesale & Depart- 
ment Store Employees, C.I.O., 
Local lUli (Window Trimmers), 
N.Y.C. 
Average wage: 
Less than $25-$10,50 
$25 to $29.99- 15.00 
30 to 3h.99- 18.00 
35 to 39.99- 21.00 
hO to hh.99- 2h.00 
h5 to h9.99- 27.00 
50 to 5U.99- 30.00 
55 to 59.99- 33.00 
60 to 6h.99- 36.00 
65 and over - hO.OO 
13 weeks 
per dis- 
ability 
(d) 
1 
8 
Weekly benefit: 6 weeks 
Hospital: $80 
Surgical: $25-$100 
Dependents: 
Hospital;$80 
Blue Cross (a) 
Dependents included 
Retail, Wholesale & Depart- 
ment Store Employees, C.I.O., 
Locals 28? & 1268 (Retail 
Shoe), N.Y.C. 
Non-selling worker-$l5 
Selling worker - 25 
13 weeks 
per dis- 
ability 
(d) 
1 
8 
Weekly benefit: 6 weeks 
Hospital: lh days 
Extras: $25 
Surgical: $25-$100 
Dependents; 
Hospital; 10 days 
$5 
Dependents: 
$h 
31 days 
per 
disability 
$25 
Dependents: 
$20 
Retail, Wholesale & Depart- 
ment Store Employees, C.I.O., 
Local 305* Mt.Vernon 
$15 
10 weeks 
per 
disability 
1 
8 
Weekly benefit: 6 weeks 
Hospital: lh days 
Surgical: $ 16.6?-$66.67 
Dependents: 
Hospital: 10 days 
$5 
Dependents; 
$h 
31 days 
per 
disability 
$25 
Dependents; 
$20 
Retail, Wholesale & Depart- 
ment Store Employees, 0.1.0* 
Local 338 (Retail Dairy, Gro- 
cery), N.Y.C. 
$25 (k) 
7 weeks 
per year 
8 
8 
Weekly benefit; 7 weeks 
Hospital: 21 days 
Surgical: Full service 
or $50 
Dependents; 
Hospital; Rates reduced 
by hO* 
$7 (k) 21 days 
Dependents: per year 
Rates reduced 
by hO* 
None 
Retail, Wholesale & Depart- 
ment Store Employees, C.I.O., 
Local 39U (Automotive Parts), 
N.Y.C. 
$25 
13 weeks 
per 
disability 
1 
8 
Weekly benefit: 6 weeks 
Hospital; lh days 
Surgical: $25-$100 
Dependents; 
Hospital; $h0 
$5 
Dependents: 
$h 
31 days 
per 
disability 
$25 
Dependents 
$20 NEW YORK STATE, JANUARY iql# 
27 
Surgical 
(maximum 
allowance) 
Medical cash 
benefits or 
medical care3 
t Eligibility 
: requirements 
: for new 
: employees*4 
: 
: 
: Extent of coverage 
: during unemployment 
: or lay-off? 
* 
t 
S 
:Financing 
: 
: 
t 
t 
sType of 
»carrier 
: 
j 
t 
None 
None 
6 months union member- 
ship and covered em- 
ployment 
Left to decision of 
trustees 
Employer 
2% (c) 
Self- 
insured 
$150 
None 
3 months union member- 
ship; covered employ- 
ment (c) 
1 month 
Employer 
3% (c) 
Insurance 
Company 
$175 
Doctor's visits $2- 
$3. Maximum $150 per 
year 
3 months union member- 
ship and covered em- 
ployment 
To end of calendar 
month 
Einployer 
3% (c) 
Insurance 
Company 
$150 
None 
3 months union member- 
ship and covered em- 
ployment 
To end of calendar 
month 
Einployer 
$5 per 
month per 
worker (c) 
Insurance 
Company 
$150 
Doctor's visits $2- 
$3. Maximum 50 visits 
per disability 
Union membership; 1 
calendar month covered 
employment 
No 1 imit 
Einployer 
3% (c) 
Insurance 
Company 
$150 
None 
6 months union member- 
ship; 5 months covered 
employment 
No limit if member 
pays $1 weekly, but 
weekly benefit only 
to end of following 
calendar month 
Einployer 
3% (c) 
Insurance 
Company 
$150 
None 
Union membership; 
1 month covered employ- 
ment (e) 
None 
Einployer 
3* (o) 
Insurance 
Company & 
Blue Cross 
1150 
None 
Union menfcership; 2 
months covered em- 
ployment 
No limit 
Einployer 
3% (c) 
Insurance 
Company & 
Blue Cross 
$150 
None 
Union membership and 
covered employmente) 
None 
Einployer 
$U-$5 per 
month per 
worker(c) 
Insurance 
Company 
$100 
Free eye exam 
and glasses 
Union membership; 1 
calendar month covered 
employment 
3 weeks or to end 
of calendar month, 
whichever is longer 
Einployer 
(h) 
Insurance 
Company 
Pull ser- 
Union doctors' ser- 
Union membership; 1 
No limit if member 
Einployer 
Self- 
vice if 
performed 
by physi- 
cians of 
union’a 
medical 
service or 
$50 
vices at office or 
home. Free X-rays 
through union Health 
Service or allowance 
of up to $30 else- 
where if approved. 
Ambulance service, 
blood and free in- 
jections. Fare paid 
to T.B. saaatarium. 
Dependents included 
year covered employ- 
ment; under 60 years 
pays $1 monthly 
2% (c) 
insured 
$150 
None 
Union membership; 3 
calendar months cov- 
ered employment 
2 months 
Employer' 
?* (c) 
Insurance 
Company 28 
HEALTH INSURANCE PLANS WITH UNION OR UNION-MANAGEMENT ADMINISTRATION, 
Accident and Sickness 
Hospital 
Union : 
Weekly rate*- 
: 
s 
s Maximum 
: Day benefits 
: begin 
: in case of 
Maternity^ 
(hftx 1 rtimii alio wane ©) 
Daily 
: Maximum ; 
Extras 
(maximum 
allowance) 
s 
• duration 
[ Acci- 
dent 
- |Sick- 
ness 
rats 
: duration : 
Retail,Wholesale It Department 
Store Employees, C.I.O.,Local 
563 (Orthopedic Shoe),N.T.C. 
h0% of monthly nags 
52 weeks 
per 
disability 
10 
10 
Weekly benefit: 6 weeks $5 
Hospital: 12 days 
50 days per 
disability 
$15 
Retail,Wholesale It Department 
Store Boployees, C.I.O., Local 
721 (Retail Hat It Furnishings), 
N.T.C. 
$25 
13 weeks 
per 
disability 
(d) 
1 
8 
Weekly benefits 6 weeks $5 
Hospital: ll* days Dependents: 
Surgical: $l6£7-$66,67 $1* 
Dependents; 
Hospitals 10 days 
31 days per 
disability 
$25 
Dependents: 
$20 
Retail, Wholesale fc Department 
Store Employees, C.I.O., Local 
853 (Retail Furniture), N.T.C. 
Regular wage: 
Less than $1*0 - $15 
$1*0 to $1*9,99 - 20 
50 to 59.99 - 25 
oO and over - 30 
13 weeks 
per 
disability 
1 
1* 
Weekly benefits 6 weeks $6 
Hospital; ll* days Dependents: 
Surgical: $25-$100 $1* 
Dependents: 
Hospitals 10 days 
31 days per 
disability 
$60 
Dependents: 
$i*0 
Retail, Wholesale & Department 
Store Employees, C.I.O., Local 
923 (Culinary), N.T.C. 
$10 
13 weeks 
per 
disability 
(d) 
1 
8 
Weekly benefits 6 weeks 
Hospitals ll* days 
$1* 
31 days per 
disability 
$20 
Retail,Wholesale & Department 
Store Employees, C.I.O., Local 
1102 (Retail Dry Goods),N.T.C. 
Regular wages 
Less than $25 - $10 
$25 to $311.99 - 15 
35 to 1*1*.99 - 20 
1*5 to 51*.99 - 25 
55 to 61*.99 - 30 
65 to 71*. 99 - 35 
75 and over - 1*0 
13 weeks 
per 
disability 
(d) 
1 
8 
Weekly benefit: 6 weeks $5 
Hospital: ll* days Dependents: 
Surgical: $25-$100 $1* 
Dependents: 
Hospitals 12 days 
31 days per 
disability 
$25 
Dependents: 
$20 
Roofers, A.F.L.,Local 8 
(Composition Roofers),N.T.C, 
None 
None 
Room, board and extras,Maximum $200 
Dependents included 
Sheet Natal Workers, A.F.L., 
Local 28, N.T.C. 
Average monthly wages 
Lass than $170 - $15 
$170.01 to 215 - 20 
215.01 to 260 - 25 
260.01 and over 30 
13 weeks 
per 
disability 
(d) 
1 
8 
Hospital: $80 
Dependents included 
Blue Cross (a) 
Dependents included 
Sheet Netal Workers, A.F.L., 
Local 137 (Electric Sign Div.), 
N.T.C. 
$1*0 
13 weeks 
per 
disability 
(d) 
1 
8 
None 
$6 
31 days per 
disability 
(d) 
$30 
Sheet Netal Workers, A.F.L., 
Local 137 (Sheet Netal Div.), 
N.T.C. 
$30 
13 weeks 
per 
disability 
(d) 
1 
8 
None 
$6 
31 days per 
disability 
(d) 
$30 
Teamsters, A.F.L,, Local 27 
(Paper Products), N.T.C. 
Regular wages 
Less than $60 - $25 
$60 and over - 33 
13 weeks 
per 
disability 
1 
8 
Hospitals $80 
Surgical: $25 - $100 
Dependents included 
Blue Cross (a) 
Dependents included 
Teamsters, A.F.L.,Local 807 
(General Trucking), N.T.C, 
$25 
13 weeks 
per 
disability 
1 
8 
Hospitals $80 
Dependents included 
Blue Cross (a) 
Dependents included 
Upholsterers, A.F.L., National 
60% of average wage 
52 weeks 
per 
disability 
1 
8 
Weekly benefits 6 weeks $1* 
Hospitals 12 days Dependents 
Dependents; included 
Hospitals $1*0 
50 days per 
disability 
Dependents: 
$1*0 
Wholesale & Warehouse Workers, 
Independent, Local 65, N.T.C. 
i average wage for last 6 months 1 
or 1/3 average wage for last 3 
months, whichever is greater; maximum 
$35, for first 13 weeks per dis- 
ability (d). 2/3 of above for 
additional 13 weeks per disability 
(d) 
8 
Weekly benefit; 6 weeks 
Hospitals $80 
Surgical: $35-$100 
Dependents; 
Hospital: $80 
Surgical: $35-$100 
Full hos- 
pital 
charge 
Dependents 
included 
21 days per 
disability 
with $0% 
discount for 
added 180 
days 
Full hos- 
pital 
charge 
Dependents 
included NEW YORK STATE, JANUARY 19l£ 
29 
Surgical 
(maxima 
allowance) 
t 
: Medical cash 
s benefits or 
: medical care^ 
t 
Eligibility 
requirements 
for now 
employees!* 
: 
: 
: Extent of coverage 
: during unemployment 
: or lay-off? 
s 
: 
t 
: 
; Financing 
1 
[Type of 
|carrier 
• 175 * 
Doctor's visits %2~ 
•3. Maximum $0 visits 
per disability 
Union membership and 
covered employment 
To end of calendar 
month 
Employer 
3<(c) 
Self- 
insured 
• 100 
None 
15th of month after 
union membership and 
covered employment(e) 
3 weeks 
Qnployer 
•5 per 
month per 
worker (c) 
Insurance 
Company 
•150 
None 
20th of month after 
union membership and 
covered employment(e) 
3 months 
Employer 
3% (c) 
Insurance 
Company 
None 
Free optical service 
Dependents included 
1 calendar month cov- 
ered employment after 
union membership 
To end of calendar 
month 
Qnployer 
$1 per 
week per 
worker(c) 
Insurance 
Company 
•150 
None 
Union membership;15th 
of month after 2 months 
covered employment 
1 month 
Qnployer 
•5 per 
month per 
worker(c) 
Insurance 
Company 
None 
None 
3 months union mem- 
bership 
No limit 
Qnployer 
3% (c) 
Self- 
insured 
Full service 
Full service 
1 year union member- 
Weekly benefit: 2 
Qnployer 
Insurance 
(i) 
(i) 
ship; last 2 months 
covered employment 
earning $125 per month 
for journeymen; $75 for 
apprentices 
months. 
Hosp, Med & Surg: 
to July 31* end 
of contract year 
3% (c) 
Company, 
Blue Cross 
& Health 
Insurance 
Plan 
•225 
Doctor's visits •2- 
•3. Maximum $150 
per disability (d) 
Union membership; 1 
month covered em- 
ployment 
1 month 
Qnployer 
3% (c) 
Insurance 
Compary 
•i5o 
None 
1 month union member- 
ship and covered em- 
ployment 
1 month 
Qnployer 
•5 per 
month per 
worker (c) 
Insurance 
Company 
•150 
Dependents 
included 
None 
Union membership; 1 
month covered employ- 
ment 
3 months 
Qnployer 
$1.50-$2 
per week 
per worker 
(c) 
Insurance 
Company & 
Blue Cross 
•150 
None 
Union membership and 
covered employment 
(h) 
Employer 
$5.50 per 
month per 
worker (c) 
Insurance 
Company & 
Blue Cross 
•175 
Doctor's visits $2- 
$3. Maximum 50 visits 
per disability 
Ambulance: $5 
Union membership; first, 
of month after covered 
employment 
1 month 
Qnployer 
3% (c) 
Insurance 
Company 
•150 
Dependents 
Included 
None 
Union membership; 3 
months covered em- 
ployment 
Weekly benefit: None. 
Hospital and Surgi- 
cal: 2 months 
Qtiployer 
h% (c) 
Self- 
insured 30 
FOOTNOTES 
1. Regular wage11 represents normal or basic wage, exclusive of overtime. 
“Average wage" refers to an average of wages earned during a stipulated 
period of time. 
2. Surgical benefits in maternity cases vary with the nature of the operation 
A typical policy provides $25 for miscarriage, $50 for normal delivery of 
child or children, and $100 for caesarian section, including delivery. 
Some policies pay $70 or $75 in cases of normal delivery, with the above 
minimum and maximum for other obstetrical procedures. 
3. Where a range is indicated for doctor’s visits, the lesser amount is 
usually specified for each treatment received in the physiciarfs office; 
the greater amount, for each treatment received in the home or hospital. 
In addition, these benefits in most cases are granted for each treatment 
beginning with the first treatment for disability due to accident and with 
the third treatment (or treatments on the eighth day or later) for disa- 
bility due to sickness. 
4. Brief phrases have been used in many cases in this section. Many contracts 
for example, specify that a new employee will become eligible on the first 
day of the calendar month following one (or more) months of employment by 
a contributing employer. These have been summarized as requiring one (or 
more) calendar months of covered employment. If eligibility commences 30 
days or one month after employment, it has been described as requiring one 
month of covered employment. Where eligibility begins on the first of the 
calendar month following employment, that fact has been stated as the first 
of the month after covered employment. Plans in which eligibility begins 
simultaneously with employment have been listed as requiring covered em- 
ployment only. 
5. Brief phrases have been used similar to the manner described in Footnote 
"No limit" has been listed in those cases where an unemployed member remains 
eligible for benefits as long as he is a member in good standing in his 
union and is available for work. 
a. Blue Cross - Associated Hospital Service of New York policy provides 21 days 
of full hospital service, including operating room, drugs, etc., per disa- 
bility, with 50 percent discount for an additional 180 days. 
b. Group Health Insurance pays the maximum amount indicated for in-hospital 
medical care on the first day, a lesser amount per day for doctor’s visits 
on succeeding days, and the minimum amount listed per day for the remaining 
days allowed per disability. Group Health pays up to double the maximum 
surgical rate on its schedule for two or more concurrent surgical operations 
c. Contributions are also used to pay the costs of life insurance, accidental 
death and dismemberment provisions, pensions, or other benefits in addition 
to health insurance. 31 
d. Benefits? to members 60 years of age or over are limited to specified 
number of weeks or days or value of treatments per year. 
e. Applies to full-time or regular workers only. 
f. Union health center will open soon in New York City 
g. At I.L.G.W.U. Union Health Center 
h. Information not available at time of -publication 
i. Health Insurance Plan provides complete general medical, specialist, 
surgical care at home, office, or at hospital, using special panel 
of doctors. 
j. No benefits are granted to members 60 years of age or over. 
k. New members receive no benefits f-or any Illness, disease or disability 
found by -physical exam at time of joining. Such new members, if be- 
tween 45 and 55 years of age, receive one-half of any benefit due to 
other causes; if between 55 and 60, one-third of any benefit due to 
other causes. New members who are physically fit and between the ages 
of 50 and 60 receive one-half of any benefit. Members draw $12.50 
weekly benefits, if ill while receiving workmen’s compensation for an- 
other cause. STUDIES IN DISABILITY INSURANCE 
Studies Previously Published by the Division of Research and 
Statistics on the Subject of Disability Insurance: 
STATE AND FEDERAL DISABILITY INSURANCE SYSTEMS, January 1W. 
Describes the basic provisions and the experience of the disa- 
bility insurance laws in Rhode Island, California and New 
Jersey and under the Railroad Unemployment Insurance Act. 
THE NATURE AND EXTENT OF VOLUNTARY DISABILITY INSURANCE IN NEW 
YORK STATE, February 19A9. Describes the types of voluntary 
disability insurance programs in effect and estimates the 
number of workers covered. 
BASIC TYPES OP STATE DISABILITY INSURANCE SYSTEMS, Pebruary 
Presents the advantages and disadvantages of the various methods by 
which a state may provide comprehensive coverage by disability 
insurance, such as an exclusive state fond, contracting-out, 
employer liability, and employer liability with a competitive 
state fund. 
THE STATE-WIDE COST OF DISABILITY INSURANCE FOR NEW YORK, 
February Presents an estimate of the state-wide cost 
involved in providing cash benefits agpinst wage loss due to 
nonoccupational disability for workers in New York State.