r Carriers, means inability,
because of sickness or accident, to perform the regular duties of a letter
carrier.[64]

[Footnote 62: Proceedings of the Nineteenth Annual Session of the Order
of Railway Conductors of America, 1887 (n.p., n.d.), p. 69.]

[Footnote 63: Constitution, 1899 (Cleveland, 1898), Art. 28.]

[Footnote 64: Constitution of the Letter Carriers of the United States,
1905, Art. 13, in The Postal Record, Vol. 19, No. 1, p. 3.]

The most important development in the insurance systems of the railway
unions has been the change in the amount paid from an uncertain to a
fixed amount. This evolution is best illustrated in the history of the
older organizations. In the period from 1868 to 1884 the amount paid was
the sum collected by levying upon each member a certain assessment for
each death or disability. The amount of the benefit therefore varied
with the number of members. In the first stage, the Engineers paid one
dollar per member upon each death and fifty cents in each case of
disability, the Conductors paid one dollar per member upon each death or
case of disability, while the Firemen paid fifty cents upon each death
or case of disability.[65] The membership was small and the assessments
were largely regarded as benevolent contributions. This phase is well
illustrated by the early history of the benefit among the Conductors.
The first benefit, paid in December, 1871, amounted to $48. During the
first thirteen years of the department's activity 19 claims were paid.
The last was $70, and the average amount paid was $88.[66] This system
continued until 1881-1884, when a general revision of constitutions in
these three brotherhoods limited the amount of insurance paid, and laid
the foundation for issuing insurance certificates in fixed sums. In the
second period, from 1883 to 1890, the number of assessments remained
undetermined; but the amount of the benefit was limited to a fixed sum
and all surpluses were placed in reserve. The Conductors and the Firemen
took the initiative in this change and in the constitution of 1881 fixed
the maximum amount for death or disability at $2000 and $1000,
respectively; the Engineers, in the constitution of 1884, placed this
maximum at $3000.

[Footnote 65: Constitution of the Locomotive Engineers, 1869, in
Journal, Vol. 4, p. 31; Proceedings of the Railway Conductors, 1868-1885
(Cedar Rapids, 1888), p. 119; Locomotive Firemen's Magazine, Vol. 21, p.
181.]

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