In all the organizations there is a class of members, called
non-beneficiary, who are not eligible to the insurance departments
because of partial disability or because of having passed the age limit.
The Brotherhood of Locomotive Firemen provides that the non-beneficiary
member shall be entitled to all the privileges of the subordinate lodge,
but shall not take part in the national convention or in any way
participate in the benefits and privileges of the beneficiary
department.[82] Similar rules are found in the other brotherhoods. The
Trainmen and the Switchmen issue to non-beneficiary members insurance
certificates only against death in the sums of $500 and $600,
respectively.

[Footnote 82: Constitution, amended 1902 (Peoria, n.d.), sec. 163.]

The efficiency of compulsory insurance rules in securing and retaining
members in the brotherhoods is generally acknowledged among the railway
employees. After the member has carried insurance for several years, his
financial interests are bound up with the interests of the organization,
and his loyalty to the union is increased. From this loyalty flows
greater interest in every phase of the brotherhood's work. The operation
of compulsory insurance appears to have caused an increase in the
membership of the brotherhoods. On January 1, 1890, the date on which
compulsory insurance became operative, the membership of the Brotherhood
of Locomotive Engineers numbered 7408; on January 1, 1897, it had
increased to 18,739; and in May, 1904, to 46,400.[83] On January 1,
1891, the date on which compulsory insurance was inaugurated, the
membership of the Order of Railway Conductors numbered 3933; on January
1, 1898, it had increased to 15,807, and again on January 1, 1904, to
31,288. It is noteworthy that during the depression, 1893-1897, those