The Oklahoma Workman (Guthrie, Okla.), Vol. 13, No. 8, Ed. 1 Saturday, August 1, 1908 Page: 1 of 8
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Send all Medical Examinations to Dr. E. a. Sharp,
Orand Medical Examiner, Guthrie, Okla.
N
cy
Send all Reports and Correspondence to W R. Welch,
Orand Recorder, Guthrie, Okla.
'C/AL
Volume 13
AU(iUS'l
WHAT IT COSTS.
Sometimes the complaint Is made
that the cost of maintaining a policy
in the Workmen is too great, and that
It Is the cause of many suspensions.
To those who have such a concep-
tion of high and discriminating rates,
it is suggested that they carefully con-
sider the price they are paying for
their insurance in any fraternal order
and what the same insurance would
cost in any commercial company. For
those who think the Workmen is bur-
densome, the following figures will
show the cost of insurance in the A.
O. U. W., in Oklahoma, based on
twelve assessments per year and four
dollars local dues added, according to
each class of members.
class ages: $1000—$2000
1. 18-24 cost per year $11.20—$18.40
2. 25-29 cost per year 11.80— 19.60
3. 30-34 cost per year 12.40— 21.40
4. 35-39 cost per year 14.20— 23.80
5. 40-44 cost per year 16.00— 28.00
6. 45-49 cost per year 19.60— 35.20
7. 50 and over cost " " 25.60— 46.60
By comparing the above cost of in-
surance In the A. O. U. W. with the
cost of Insurance in any old line com-
pany, for a straight life policy, it will
be found that the A. O. U. W. is but
very little cheaper. For instance, the
old line cost at age 20, expense and
four per cent added is $12.95 for a
straight life policy and the A. O. U.
W. cost is $11.20, or only $1.75 less,
and still there are those members who
will say the Workmen are charging too
much.
Again by comparing the cost of A.
O. U. W. insurance with what is call-
ed the yearly term renewable rate,
charged by commercial companies it
wlil be seen (the A. O. U. W. classi-
fied rate Is a five year renewable rate)
that the renewable yearly rate for age
20 is $4.81. The yearly rate for the
A. O. U. W. (expense not added) is
$7.20, or 2.39 more than acturial au-
thorities say should be collected for
this kind of insurance. At age 25 the
A. O. U. W. is still collecting or charg-
ing $2.00 more that what is necessary
to carry the risk per $1000 insurance
carried. The cost of a straight life
policy at age 25, commercially is $14.72
The cost in the A. O. U. W.
(expense added), is $11.80. Still, the
A. O. U. W. with twelve assessments,
according to some members, is ex-
torting an unnecessary amount of
money and driving members out of our
own and into other orders. At age 50,
a commercial policy costs $35.78 and
an A. O. U. W. policy costs $26.40, this
is for a straight life. The same policy
on a five year renewal term rate at
age 50 would cost (expenst not added)
$12.70. The A. O. U. \V. charges (ex-
pense not added) $21.60 for the same
kind of a policy, and while there are
some who say the A. O. u. W. does
not charge enough, others persist in
saying that the order charges too
much and that they will have to sus-
pend and that they can get old line
insurance cheaper.
There is no age at which a com-
mercial policy can be secured at less
cost than the A. O. U. W. of Oklahoma
will furnish the same amount of In-
surance. A fraternal policy is not a
commercial one and should not be so
construed. A fraternal policy is sim-
ply a bond between man and man
that should death overtake one or
the other, that each will, in life, by
small monthly contribution assist in
building a bulwark of protection about
a defenceless home. It has no com-
mercial value, for such a pledge can-
no to be measured in dollars and
cents. Of course, if there is a Work-
man that cannot take into considera-
tion what HE has done to aid an-
other's family, and does not think 11E
will be repaid by what others will do
for HIS family, under the same cir-
cumstances, there is no use to pro-
duce any argument or make compar-
isons as to cost of protection, for in-
stead of giving willingly his assistance
fraternally, to the brotherhood, he will
go and avail himself of and pay the
price for commercial protection of hu-
man life.
For the benefit of any Workman who
believes the order is charging him
more than his dues, we would request
that he ascertain for himself the dif-
ference in cost and then if he decides
the order is plajing him fair, let him
show his appreciation by giving it his
support. Also any member that finds
it inconvenient to pay his assessments
monthly he can avoid this inconven-
ience by making his payments quar-
terly, semi-annually, or yea-ly. There
is no extra charge for this plan of
payments, but it would save lots of
suspensions.
1908.
1{1ST oiiI(
AL SOCIETY
NEW LODGE.
Hugo Lodge No. Ill starts on its
new career with an interested mem-
bership and a list of officers that pos-
sess the ability to make their
lodge the best in the southern part of
the state. With a little effort on the
part of the officers they will be able
to rapidly increase their membership
and spread the inlluence of Workman-
ship. The officers for the term are ss
as follows:
Past Master Workman , Geo. it.
Lucas.
Master Workman, J. w. Burrows.
Foreman, Stanley Duncan.
Overseer, Joe Grantham.
Recorder, George Moon.
Financier, George R. Lucas.
Receiver, George D. Gothard.
Guide, Ben F. Allen.
I. W., N. P. Martin.
O. W., W. M. Christain.
Medical Examiner, J. C. Ellis.
PURCELL LIVENS UP.
Purcell No. 38 has show their pro-
gressive spirit by getting busy andad-
<ling nearly forty new members in
the past two months, and stand readv
to keep up the work in this direction
This addition of new members places
Purcell in the list of lodges having
over 100 members and the lodge is
going to use this fact as an incentive
to reach the 200 mark. The officers
selected for the last half of the year
are hustlers and have the interest of
the order at heart and" will do all
they can to increase the membership,
The officers are as follows: Past
Master Workman, F J. Frary; M. W.
Chas. Gold; Foreman. A. P. Baum-
gartner; Overseer, W. C. Cook; Re-
corder, Sam Muller; Financier. F. M.
Nickson; Receiver, Sam Muller; I. W.
G. P. Gerdan; O. W. Exelion; Trustee,
Henry Petrie.
THE LONGEST CANALS
The erie canal is the longest canal
in the United States, having a length
of 387 miles. It was completed in 1826
and cost $52,540,800. The Ohio canal
is 317 miles long and cost $4,695,204.
The longest foreign ship canal is the
Suez, between tht Mediterranean and
Red Sea, which is 90 miles in length,
and cost $100, 000,000.
Number 8
Addie No. 70 writes: "We are still
going some, nineteen applications last
night". This sounds good and puts
Addie in the hustling column alright.
Tecumseh No. 7 and Shawnee No. 30
are both doing some good work in
Pottawatomie county and several
members have been added to these
lodges during the past month.
El Reno is still working. The most
noticeable part of the work this year
is that there is no desire to quit when
once started. El Reno showed a nice
increase since the first of the year.
The scene of activity at present
all lies In the eastern part of the jur-
isdiction. If the west would becoma
as active there would be uuite a
shuffling among the various lodges.
Choteuu No. 112 has received Grand
Lodge commissions for new members
having paid three successive assess-
ments. This encourages others to
make an effort to secure applications
for membership.
Nothing is more pleasant to note
than that Spiro No. 98 has actually
been beating the bushes with the re-
sult that two new members have been
added to their list. Besides this as-
surance is given that there is more to
follow.
Davis 77 has entered the list of
busy ones. Some new members were
added in June and several more in
July. Davis lodge is one of the sub-
stantial lodges of the state and Bro.
Saunders carefully guards his mem-
bership and holds them together.
Pryor Creek No. 9, Dow No. 88 and
Sallisaw No. 72 are coming to the
front. Twenty-live new members have
been added to these three lodges dur-
ing July. If the other eighty-seven
lodges would show up as -well the re-
suit would be gratifying. Bro. T. G.
Cotton is the able Recoorder for Salli-
saw lodge.
A. O. U. W. PICNIC AT SAPULPA
Three Days Work for the Order
One of the most successsful public
efforts ever held in the state closed
here today. Sapulpa Lodge No. 59
never does anything in a half hearted
way and this big three days picnic
was no exception.
July 30,31 and August 1 was the
time fixed and the weather was su-
perb.The picnic was held on the tim-
bered hill at the end of the street car
line and a collection of stands, shows
merry-go-rounds and attractions of
all sorts made one think it was a
state fair. On the morning of the
first day Grand Master Workman, S.
L. Johnson and N .M. Jacobs of Sa-
pulpa spoke to a large crowd In the
afternoon. J. N. Creagor Republican
candidate for Congress spoke on the
afternoon of the second day. Mr. Ja-
cobs, again spoke on county seat mat-
ters. On the morning of the third day
Hon. D. T. Flynn was expected to be
present, but important business at
Guthrie at the last minute prevented
him. He sent the following telegram,
however, which G. M. W. Johnson read
from the stand:
Oklahoma City, 7-31-08.
S. L. Johnson:
Important business at Guthrie pre-
vents my attendance as agreed. Give
my best regards to all the boys.
D. T. Flynn.
Bro. Flynn was our first Grand
Trustee and always remainded a loyal
member of the order and his absence
was regretted by all.
In the afternoon Hon. T. P. Gore
spoke to a large and appreciated au-
dience.
Great crowds attended the picnic dur
ing the three days and nights. G. M.
W. Johnson was present during the
entire picnic. Deputies G. M. Neff and
Bectel were also present and the ef-
fort was a grand success. Great
praise is due to Bro. Smyth, the effi-
cient Financier of Sapulpa Lodge and
the committee having the picnic In
charge, and it demonstrated what any
lodge can do in this line by making an
effort. The picnic will not only be of
great financial benefit to the Supulpa
lodge, but of social benefit to the or-
der and the members here and the Su-
pulpa lodge already begins to feel the
good results in numerous applications
for membership.
An Important Decision.
Non-Payment of Assessment—'Sus-
pension of Member—Estoppel: In an
action on a benefit certificate in a fra-
ternal insurance society in which the
assessments were payable monthly,
evidence that the Insured was sus-
pended for non-payment of assessments
six years before his death, that the
by-laws provided for his reinstatement
upon paying up the delinquent assess-
ments, that he knew of such suspen-
sion and acquiesced therein until his
death without paying or offering to pay
assessments, and that he employed no
medical assistance during that tlm«
and died from accidental poisoning,
justified the court in directing a ver-
dict for the defendant.
(Judgment for association below.
Here affirmed in favor of assoclaton.)
Pfingston vs. Grand Lodge A. O. U.
W., W. of Ind., (Ind. A. C.); 83 North-
eastern Reporter (January 31, 1908),
254.
By-Laws—Change of Beneficiary—
Injunction: Where the by-laws of a
mutual benefit association provide that
a member may change his beneficiary
upon delivering his certificate, etc., and
a certificate is issued subject to and is
to be construed by the laws of the or-
der, and the beneficiary complies with
the provisions for making a change of
beneficiary, the association cannot be
enjoined from issuing a ne\r certificate
to the new beneficiary, though plaintiff
to whom the certificate was formerly
payable as trustee had paid out money
to keep the insurance alive, under an
agreement with the insured and his
beneficiary by which plaintiff was to
receive the money so paid by him out
of the proceeds of the certificate.
(Injunction granted below. Here re-
versed in favor of substituted benefi-
ciary.)
Grand Lodge A. O. U. W. of Texas
et al. vs. Jones (Tex. C. C. A.); 10G
Southwestern Reporter (January 22
1908), 184.—A. O. U. W. Journal".
TO PARENTS OF DEAF CHILDREN
All deaf children residing in the
state of Oklahoma are entitled to an
education, without charge, in the new
State School for the Deaf, located at
Sulphur. For information, write at
once to A. A. Stewart, Supt., Sulphur,
Okla.
Love is seldom so blind that it can't
distinguish a dollar mark.
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Leatherman, W. J. The Oklahoma Workman (Guthrie, Okla.), Vol. 13, No. 8, Ed. 1 Saturday, August 1, 1908, newspaper, August 1, 1908; Guthrie, Oklahoma. (https://gateway.okhistory.org/ark:/67531/metadc273825/m1/1/?q=%22United+States+-+Oklahoma+-+Logan+County+-+Guthrie%22: accessed August 15, 2024), The Gateway to Oklahoma History, https://gateway.okhistory.org; crediting Oklahoma Historical Society.