organizations having systems of voluntary insurance suffered far more
severely than those enforcing compulsory insurance. Thus, the
Telegraphers were almost annihilated, while the Firemen and the
Conductors practically maintained their position.

[Footnote 83: Locomotive Engineers' Journal, Vol. 37, p. 446; Vol. 18,
p. 654.]

The cost of insurance per $1000 varies greatly in the different
organizations, as may be seen by the following table:[84]

Cost of Insurance per
Organizations. Fiscal Year Ending. $1000 a Year.
Engineers ........... December 31, 1903 $17.80
Conductors .......... December 31, 1903 16.00
Firemen ............. June 30, 1904 12.00
Trainmen ............ December 31, 1903 18.00
Telegraphers ........ December 31, 1903 7.20
Switchmen ........... December 31, 1903 20.00
Maintenance-of-Way 12.00\
Employees ......... December 31, 1903 15.00 | according
18.00/ to age
Letter Carriers...... December 31, 1906 9.24\ according
21.96/ to age

[Footnote 84: These amounts have been furnished by the grand
secretary-treasurers of the several organizations, except those of the
Telegraphers and the Maintenance-of-Way Employees, which have been taken
from the 1903 constitutions and represent the amount of the regular
monthly assessment.]