constantly disabled was equal to thirty-one per thousand members.

Those members who, by the amendment to Regulation 42, in effect since October 1st, 1887, were permitted to keep up their title to death benefit after ceasing to be entitled to disablement benefits, have all availed themselves of the privilege. Under the provisions for continued payments by the companies to these members, there has been paid, since that date, to one hundred and ten persons the sum of $10,080.20.

Regulation No. 10 provides that at the end of three years—that is, at the end of 1888—the question of a superannuation fund shall be considered, provided there be a surplus sufficient to make such a plan possible. The surplus January 1st, 1889, was over $170,000, and it is now announced that the Advisory Committee will before long promulgate a plan for a regular system of pensions for superannuated members of the relief fund. As is shown above the surplus of this department is just about equal to the amount paid for running expenses during its three years' existence, and that this amount has come wholly from the treasury of the railroad company. In other words, the assessments are placed at such a rate that they would have just fairly sustained the institution. The interest on $170,000 at four per cent. is $6,800 per year, sufficient to pay, say, 20 pensions of about $30 per month each.

§ 9. New York and Northern Employes' Mutual Benefit Association.—

CONSTITUTION.

ART. I. OBJECT. The object of the association is to properly care for its members, as far as lies in its power, in time of disability and sickness, when such disability and sickness is not a result of intemperance.

ART. II.-MEMBERSHIP. Any employe or officer of the New York City and Northern Railroad may become a member of the Association.

ART. III.—OFFICERS. The Association shall be under the control of a Board of Managers, consisting of a President, Vice-President, Treasurer, Secretary, Corresponding Secretary, and an Executive Committee of three (3) who shall be nominated and elected by the Association, all of whom shall serve faithfully and

to the best of their ability, without pecuniary compensation. Upon the retirement of any member from the Board of Managers, a successor shall be nominated and elected by said board to fill the unexpired time.

A person to be eligible to office or membership must be an employe of the road.

ART. IV.—ELECTIONS. During the first week in December of each year the members of the Association shall elect their officers. Members of the Association will send to the Board of Managers, in writing, the vote they wish to cast. Such vote shall be on record for their inspection at High Bridge.

ART. V.-MEETINGS. At the first yearly meeting the old board shall make a detailed statement to the Association of expenditures and work done during the year, and retire from office, and the new board organize.

The Board of Managers shall be empowered to make such laws and regulations in conformity with the constitution and by-laws for conducting the business of the Association as they may deem proper.

The Board of Managers shall meet on the last Monday of each month, for exchange of views in relation to the affairs of the Association, and such other matters as may need their attention. Five (5) shall constitute a quorum.

These meetings shall be open to any member of the organization.

ART. VI. QUESTIONS OF IMPORTANCE. All questions of importance shall be decided by a majority vote of the Association.

No question will be considered important unless it is presented to the Board of Managers in writing with the signatures of twenty (20) members.

ART. VII.-ASSESSMENTS. The regular assessment shall be 50 cents per month. At the death of a member, a special assessment of 50 cents shall be made.

If the funds of the Association are inadequate to meet its liabilities, two extra assessments per year of 50 cents each may be made upon special report of the Treasurer, showing the necessity for such action.

Any member refusing to pay the assessments shall be stricken from the roll at once, and shall forfeit all rights in the Association.

ART. VIII-BENEFITS.-I. No member shall receive more than ten (10) weekly allowances on account of sickness or injury

in any one year, excepting those who may be injured while on duty, but may at all times have medical attendance when necessary.

II. There shall be no allowance made for loss of time during the first week of sickness or disability, unless it be caused by injury received while on duty.

III. The weekly allowance shall be five (5) dollars.

IV. In cases of severe injury, received while on duty, when the service of a surgical nurse is required, the Association will provide such nurse.

V. The Association shall provide medical and surgical attend

ance.

VI. The whole amount collected on account of a death assessment shall be paid to the nearest of kin of deceased member, or whoever said member may have designated.

ART. IX. TREASURER.-The Treasurer shall pay no moneys nor recognize any orders or claims to or from any party or parties except the Executive Committee approved by the President. All claims must be audited by said Committee and bear their sig

natures.

ART. X.-EXECUTIVE COMMITTEE. The Executive Committee, on their first yearly meeting, must organize by electing a Chairman, who will be the responsible head of said committee. They shall be empowered to make such rules and regulations, for the proper managemeut of their business, as they may deem proper, providing, however, said rules and regulations do not conflict. with the constitution and by-laws.

The Executive Committee shall nominate for appointment a reputable physician, thoroughly versed in medicine and surgery, as surgeon for the Association, which appointment shall be conferred only upon a majority of vote of the board in full session; the term of which office shall be one year from date of appoint

ment.

The duties of the Executive Committee shall be:

1. To audit and pass all accounts.

2. To act upon all claims against the Association.

3. To settle all disputes regarding doubtful assessments and allowances.

4. To see that the sick and injured are properly cared for. 5. To act as the medium between the Board of Managers and the members.

6. To see that all property belonging to the organization is

properly cared for, and that members are not deprived of its use. ART. XI.-SPECIAL MEETINGS. Special meetings of the Board of Managers may be called by the President or Secretary, as exigencies may necessitate, upon written request of three members of the board to the President, who shall convene the board within five days from the date of said request.

ART. XII. AMENDMENTS AND SUBSTITUTIONS. The constitution and the following by-laws may be amended or repealed, and new ones substituted by a majority vote of the members of the Association.

BY-LAWS.

I. The Board of Managers shall not have a vote at the annual election.

II. The Board of Managers shall act as a Board of Canvassers at the annual election.

III. In the case of a tie between any two candidates the Board of Managers can decide by ballot.

IV. Application for membership must be sent to the Secretary. V. Every person ceases to be a member when he leaves the service of the road.

VI. Every member who shall be unable to perform his duties by reason of sickness or injury shall immediately inform the Executive Committee. The Association is bound to the payment of allowances only when the disablement is thus reported, and no claim that has not been so reported will be considered.

Allowances will in no case antedate such notification.

Every member having control of men shall notify the Secretary of the Association, with the utmost promptness, each case of sickness or injury occurring among his men who are members.

VII. It is the duty of the Association's Surgeon to decide when a member is unfit for duty and the payment of the weekly allowance will be made upon his report. No allowance will be paid a member after the date fixed by the Surgeon for his return to duty, unless unforseen circumstances render it clearly impracticable for him to obey the direction, which must be clearly shown before further payment will be made.

VIII. The Executive Committee will recognize no bills or obligations contracted with any physician or surgeon other than their authorized representative, except as provided for in Article IX.

In all cases it shall require the Association's Surgeon's certificate,

endorsed by the Executive Committee and approved by the President, to entitle a member to the weekly benefit.

IX. Members injured while on duty have the right to call in the nearest surgeon to attend them in an emergency, and until the Association's Surgeon can take charge of their case, but no operation is to be permitted, except to save life, without the consent of the Association's Surgeon.

X. Those who have forfeited their membership may be reinstated at any regular meeting by a majority vote of the Board of Managers by giving sufficient guarantee that all future assessments shall be paid promptly.

$10. Burlington Voluntary Relief Department.

This department has been organized by the directors of the Chicago, Burlington & Quincy Railroad Company and associated roads for the benefit of the 30,000 employes of the system, enabling them to make provision for themselves and families in case of accident at any time whether on or off duty and against sickness and death from natural causes. The system is similar to the Pennsylvania Railroad Relief Department. Membership is voluntary, no employe being required to join the association, and any member can withdraw from the department at the end of any month. Offices will be furnished by the Burlington system, which will also donate the services of its clerks, pay for printing, stationary, salaries of its clerks, medical examiners and all incidentals. In short it will defray all the operating expenses of the department which' will amount to some $60,000 a year. The Company will take charge of the funds, guaranteeing their safe keeping and proper disbursement, beside paying interest on monthly balances in its hands at the rate of 4 per cent. per annum. It will also guarantee the payment of benefits so that in case of contributions of members are not sufficient to meet the disbursements the Company will advance the money for the payment of benefits as they become due. At the end of three years if any deficiency shall exist it will be supplied by the Company. For the first six months employes will be admitted to membership without regard to age and without passing a medical examination. After the first six months, however, no employe over 45 years of age will be admitted, and each applicant will have to pass a satisfactory medical examination. Employes are divided into five classes, as follows: Those receiving wages of $40 per month or less, those receiving over $40 and under $60, those receiving from $60 to $80, those receiving from $80 to $100 and