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A Young Man's Benefit
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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
By George Emery and J.C. Herbert Emery
History: Canada, History: North America, History: Medical, History: U.S.
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9780773567658

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A detailed look at friendly societies and their involvement with sickness insurance at the turn of the century.


In the past a family's chief cost of sickness was loss of the family head's earning, not expenses for health care. Since there were no government programs, sickness insurance provided by friendly societies, commercial insurers, and other institutions was important in partially replacing the wage earner's lost income. The Independent Order of Odd Fellows (IOOF) was the largest social society in Canada and the United States and also the largest provider of sickness insurance.

Using cliometric methods and records from six grand-lodge archives, A Young Man's Benefit rejects the conventional wisdom about friendly societies and sickness insurance, arguing that IOOF lodges were financially sound institutions, were more efficient than commercial insurers, and met a market demand headed by young men who lacked alternatives to market insurance, not older men who had an above-average risk of sickness disability.

Emery and Emery show that many young men joined the Odd Fellows for sickness insurance and quit the society once self-insurance - savings - or family insurance - secondary incomes from older children - made it feasible for them. The older men, who valued the social benefits of membership and did not need the sick benefit, gradually became a majority and dismantled the IOOF's insurance provisions.
Details

Part of the McGill-Queen's/Associated Medical Services Studies in the History of Medicine, Health, and Society (number 7 in series)

208 Pages

ISBN 9780773518247

March 1999

Formats: Cloth, eBook

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"a very significant contribution to the field ... This book presents a thorough and convincing analysis of the fate of sickness insurance in the largest fraternal organization in Canada and the U.S. " Leonard Moore, Department of History, McGill University.
"an advance in the application of theory to history, a contribution to the area of health insurance, and a major addition to the literature on friendly societies." Frank Lewis, Department of Economics, Queen's University.
George Emery is associate professor of history, University of Western Ontario.


J.C. Herbert Emery is associate professor of economics, University of Calgary.

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