Download e-book for kindle: A Young Man’s Benefit: The Independent Order of Odd Fellows by George Emery, Herbert Emery

By George Emery, Herbert Emery

ISBN-10: 077351824X

ISBN-13: 9780773518247

Using cliometric equipment and documents from six grand-lodge records, a tender Man's gain rejects the normal knowledge approximately pleasant societies and ailment coverage, arguing that IOOF resorts have been financially sound associations, have been extra effective than advertisement insurers, and met a industry call for headed through younger males who lacked choices to industry assurance, no longer older males who had an above-average hazard of disorder incapacity. Emery and Emery exhibit that many younger males joined the strange Fellows for affliction coverage and give up the society as soon as self-insurance - rate reductions - or family members coverage - secondary earning from older teenagers - made it possible for them. The older males, who valued the social advantages of club and didn't desire the ailing gain, steadily turned a majority and dismantled the IOOF's assurance provisions.

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Extra info for A Young Man’s Benefit: The Independent Order of Odd Fellows and Sickness Insurance in the United States and Canada, 1860-1929

Sample text

12 Merchant/mfg. 09 Merchant/mfg.

The purchase of an annuity is a method of saving for old age. Endowment insurance is a form of life insurance which pays the benefit to the insured person when he or she reaches a certain age. If the insured person dies before reaching the specified age, then the beneficiaries get the money. Group insurance uses an employer's mass purchasing power to provide low-cost insurance without a medical examination. The insuring company makes the group plan contract with the employer, who issues certificates to individuals in the plan.

The burden also fell most heavily on low-income families. In the Public Health Service's national survey for 1935-6, the morbidity rate was 176 per thousand population for families with less than $1,000 annual income. This compared to 156 per thousand for families in the $i,ooo-$i,5oo range and 146 per thousand for families in the next four income groups. The excess illness of the low-income families, 16 A Young Man's Benefit moreover, was in the productive ages between sixteen and sixty-four (Britton, 1940).

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A Young Man’s Benefit: The Independent Order of Odd Fellows and Sickness Insurance in the United States and Canada, 1860-1929 by George Emery, Herbert Emery


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