By George Emery, Herbert Emery
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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
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).
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