By George Emery, Herbert Emery
Read or Download A Young Man’s Benefit: The Independent Order of Odd Fellows and Sickness Insurance in the United States and Canada, 1860-1929 PDF
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Additional info for A Young Man’s Benefit: The Independent Order of Odd Fellows and Sickness Insurance in the United States and Canada, 1860-1929
Group insurers prospered, however, by developing a new mass market more than through capture of a traditional market that friendly societies were abandoning. Conversely, rising opportunity costs and self-insurance, not group plans, did most of the damage to the IOOF'S sick benefit. DEFINITIONS Sickness insurance (or disability insurance] replaced part of the insured person's income lost due to a sickness or injury. Friendly societies provided an income replacement benefit. Commercial insurers provided an income replacement indemnity.
Clearly males in post-breadwinner families could afford to buy market insurance for sickness. As aspiring breadwinners, moreover, older sons were likely to do so. We have two incompatible hypotheses for male heads of post-breadwinner families. According to the first, the old man's model, these heads acquired above-average risk of disability as they passed the age of forty. At the same time, market insurance became available to them at a subsidized price. Consequently, their demand for market insurance rose, regardless of whether their older children earned secondary incomes.
The luncheon clubs also exemplified a popular shift to class-specific organizations, at the expense of fraternal orders, which had a cross-class appeal. With the waning popularity of lodge meetings, lodge night became less useful as an occasion for making business contacts. Finally, no doubt some left because they had lost their jobs, or their income had slipped, and they could not afford the dues. To summarize, IOOF lodges were multiple-function organizations. After 1890, moreover, the sick benefit was a declining priority in the bundle of benefits that came with lodge membership.