| 30 | 4.7
| 1903 | 788 | 305 | 27 | 4.6
| 1904 | 849 | 374 | 31 | 5.2
---------------------------------------------------------------------

[Footnote 38: Proceedings of the Seventh Biennial Convention, 1905
(Cleveland, n.d.); Report of Secretary-Treasurer, p. 124.]

The decrease in the ratio of disability to death claims paid is due
primarily to a stricter definition of disability and to better
administration. The number of disability claims paid per 1000 of
membership shows also, however, a slight decrease.

The records of the Trainmen which separate claims resulting from
accidents still farther emphasize the need for disability insurance.

DEATH AND DISABILITY CLAIMS IN BROTHERHOOD
OF TRAINMEN (1886-1904).
======================================================================
Kind of |Number |Number from|Percentage of|Percentage of|Percentage
Claims |from | Accidental| Claims from | Claims from | of Claims
|Natural| Causes | Natural | Accidental | from all
|Causes | | Causes | Causes. | Causes.
-----------+-------+-----------+-------------+-------------+----------
Disability.| 526 | 2,610 | 16.77 | 83.23 | 32-1/3
Death | 2,033 | 4,522 | 31. | 69. | 67-2/3
-----------+-------+-----------+-------------+-------------+----------
Total | 2,559 | 7,322 | 26-1/3 | 73-2/3 | 100
-----------+-------+-----------+-------------+-------------+----------

The data show the place disability insurance has occupied among the
Railway Trainmen during twenty years. For this period disability claims
for all causes were 32-1/3 per cent. of all claims paid. The percentage
of claims from accidental causes--including both disability and
death--was 73-2/3 of the whole number of claims paid, while the
percentage from natural causes was only 26-1/2. In other words, these
statistics show that the Trainmen's accidental disability and death
claims, as compared with those due to natural causes, have averaged
almost three claims paid as the result of accidental causes to one as
the result of natural causes.[39]

[Footnote 39: Proceedings of the Seventh Biennial Convention, 1905
(Cleveland, n.d.), pp. 65-66.]

The old-line companies do not offer the form of disability insurance
required by railway employees. These companie