A Young Man’s Benefit: The Independent Order of Odd Fellows by George Emery, Herbert Emery

By George Emery, Herbert Emery

Using cliometric tools and documents from six grand-lodge files, a tender Man's gain rejects the normal knowledge approximately pleasant societies and illness assurance, arguing that IOOF hotels have been financially sound associations, have been extra effective than advertisement insurers, and met a industry call for headed through younger males who lacked possible choices to industry assurance, now not older males who had an above-average threat of disorder incapacity. Emery and Emery convey that many younger males joined the strange Fellows for disorder coverage and give up the society as soon as self-insurance - rate reductions - or relations coverage - secondary earning from older little ones - made it possible for them. The older males, who valued the social merits of club and didn't desire the ailing gain, progressively turned a majority and dismantled the IOOF's coverage provisions.

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A Young Man’s Benefit: The Independent Order of Odd Fellows and Sickness Insurance in the United States and Canada, 1860-1929

Utilizing cliometric tools and documents from six grand-lodge information, a tender Man's gain rejects the normal knowledge approximately pleasant societies and disorder assurance, arguing that IOOF resorts have been financially sound associations, have been extra effective than advertisement insurers, and met a industry call for headed by way of younger males who lacked choices to marketplace assurance, no longer older males who had an above-average probability of disorder incapacity.

Extra resources for A Young Man’s Benefit: The Independent Order of Odd Fellows and Sickness Insurance in the United States and Canada, 1860-1929

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Nineteenth-century official histories of the IOOF anticipate one or other of these interpretations. According to Ross, the IOOF retained the artisan flavour of its British parent order in 1890. American Odd Fellowship was "composed of the great middle, industrial classes al- 32. A Young Man's Benefit most exclusively" (Ross, 1890). In contrast, Stillson noted a change during the 18405. " But by the 18405, he argues, "the Order was finding its way into every department of business and employment.

The insurance claims in small groups may fluctuate from year to year. Thus the smaller the group, the greater the danger that high claims in one year could ruin the insurer. Conversely, the larger the insured group, the smoother the trend for sick claims. Thus a friendly society could diversify its risks by paying claims from a central fund rather than separate funds for each of its lodges. Alternatively, the society could adopt a scheme of reinsurance, whereby each lodge is partly liable for claims that the other lodges incurred.

From the church's perennial concern about secret societies, she infers that Roman Catholics were joining them before 1880 (Clawson, 1989, 130). She cites the suppression of German-language lodges in the Knights of Pythias during the 18905 for evidence that fraternal nativism helped to drive Roman Catholics out of secret societies. Her evidence does not show, however, whether the German Knights were Roman Catholics. Developments in the Forester orders tend to support Clawson's interpretation. In 1879 Catholic members quit the Independent Order of Foresters (IOF) to form the Massachusetts Catholic Order of Foresters.

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