Industrial pensions in the United States:
Saved in:
| Format: | Book |
|---|---|
| Language: | Undetermined |
| Published: |
New York
1925
|
| Series: | Studies in industrial relations problems
|
| Subjects: | |
| Online Access: | Inhaltsverzeichnis |
| Physical Description: | XII, 157 S. |
Staff View
MARC
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Record in the Search Index
| _version_ | 1804151312095379456 |
|---|---|
| adam_text | INDUSTRIAL PENSIONS IN
THE UNITED STATES
NATIONAL INDUSTRIAL CONFERENCE BOAR©-, INC
NEW YORK
1925 fM I 1 sc [ctj / r-
CONTENTS
PACE
INTRODUCTION 1
PART I EXPERIENCE WITH PENSION PLANS
CHAPTER
I GENERAL SUMMARY 11
Purposes 11
Evaluation of Results 11
Classification and Types 13
Attitude of Employees 16
Attitude of Labor Organizations 16
Conditions of Eligibility 17
Amount of Pension Allowance 18
Cost of Benefits 20
Financing of Pension Plans 21
Tendencies 22
II PURPOSES OF PENSION PLANS 24
Benevolence 24
Recognition and Reward of Long Serv ice 24
Incentive to Long Service and Reduced Labor Turn
over 25
Encouragement of Loyal Service 26
Restraining Influence 27
Elimination of Superannuated 28
Stimulus to Efficiency in the Active Force 29
Psychological and Moral Effects 29
III EVALUATION OF RESULTS 31
Relation of Benefits to Cost 32
Appreciation of Employees 32
Loyalty of Working Force 34
Effect on Labor Turnover 35
Good-will 36
Facilitating Retirement 37
Other Effects 38
IV TYPES OF PENSION PLANS AND THE RELATION OF EM
PLOYERS TO THEM 41
Gradual Retirement—Transfer and Demotion 41
Informal Policies 42
Advantages Claimed 44
ix
x INDUSTRIAL PENSIONS IN UNITED STATES
CHAPTER „ PAGE
Transition to Formal System—Discretionary Type 47
RulesandStandards47
Limiting Liability of Employer 49
No Vested or Contractual Rights Conferred 50
Limited Contractual Type 52
Financial Security 53
Immunity from Legal Liability 54
Right to Discontinue Plan Reserved 55
Differentiation of Aims and Motives 57
Contractual Plans 58
V THE EMPLOYEE S ATTITUDE TOWARD PENSION PLANS 61
Influence of Sex and Age 61
Trade Unions Attitude 62
Wages vs Welfare 63
Automatic Pension Favored 64
Union-controlled Pension Plan 66
VI CONDITIONS OF ELIGIBILITY 68
Age 68
Age Minimum 69
Graded Retirement Age 70
Compulsory Retirement 70
Maximum Hiring Age 72
Service Record 74
Continuity of Service 74
Length of Service 77
Disability 79
Other Conditions 82
VII AMOUNT OF PENSION ALLOWANCE 85
Minimum and Maximum Limits 85
Length of Service 86
Rate of Salary 87
Rate and Period of Contributions 88
Amount of Benefit Fixed 89
Adequacy of Pension Allowance 91
Methods for Increasing Allowances 93
Withdrawal Benefits 94
Term of Pension 96
Death Benefits 97
Beneficiaries 98
Determination of Amount 98
Group Insurance 99
Other Forms 99
Relation to Pension System 100
CONTENTS XI
CHAPTER PAGE
VIII THE COST AND FINANCING OF PENSION PLANS 101
Need of Estimating Cost 101
Factors Determining Cost 101
1 Number Eligible 102
Retirement Age 102
Rate of Labor Turnover 102
Age Composition of Working Force 102
Growth of Working Force 103
Lag in Growth of Pension Roll 104
2 Amount of Pension Benefit 105
Salary and Length of Service 105
Supplementary Benefits 106
Methods of Financing 107
Occasional or Periodic Appropriations 107
Endowment Fund 109
Fund Supplemented by Appropriat ions 109
Reserves Set up on Actuarial Basis 109
Actuarial Control of Funding 110
Financing Informal Pensions 112
Financing Formal Discretionary Pensions 113
Financing Limited Contractual Pensions 114
Actuarial Valuation of Liabilities 115
Economy of Early Funding 116
Financing of Contributory Pension Plans 118
Their Administration 119
Financing of Accrued Liabilities 120
PART II SUGGESTIONS REGARDING THE ORGANIZATION
AND ADMINISTRATION OF PENSION PLANS
The Adoption and Purpose of the Plan 125
Choosing the Type of Plan 126
Formal vs Informal Plans 127
Is the Contributory Plan Desirable? 129
Fixing Benefit Conditions 129
Age 129
Service Period 130
Disability Benefits 130
Determining the Amount of Benefits 131
Final Salary as a Basis 131
Fund Based on Average Salary 131
Maximum and Minimum Limits 132
Disability Benefits 132
xii INDUSTRIAL PENSIONS IN UNITED STATES
PAGE
Withdrawal Benefits 132
Death Benefits 133
Cost of Benefits 133
Financing Pensions 135
The Individual Reserve System 135
Accrued Liabilities 135
APPENDIX—List of Companies Having Pension Plans 139
|
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| geographic | USA fes |
| geographic_facet | USA |
| id | DE-604.BV027979383 |
| illustrated | Not Illustrated |
| indexdate | 2024-07-10T00:52:49Z |
| institution | BVB |
| language | Undetermined |
| oai_aleph_id | oai:aleph.bib-bvb.de:BVB01-026708464 |
| oclc_num | 250795902 |
| open_access_boolean | |
| owner | DE-Bo133 |
| owner_facet | DE-Bo133 |
| physical | XII, 157 S. |
| publishDate | 1925 |
| publishDateSearch | 1925 |
| publishDateSort | 1925 |
| record_format | marc |
| series2 | Studies in industrial relations problems |
| spelling | Industrial pensions in the United States [Hrsg.]: National Industrial Conference Board New York 1925 XII, 157 S. txt rdacontent n rdamedia nc rdacarrier Studies in industrial relations problems Arbeiterschaft fes Rentenversicherung fes USA fes HEBIS Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=026708464&sequence=000001&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Industrial pensions in the United States Arbeiterschaft fes Rentenversicherung fes |
| title | Industrial pensions in the United States |
| title_auth | Industrial pensions in the United States |
| title_exact_search | Industrial pensions in the United States |
| title_full | Industrial pensions in the United States [Hrsg.]: National Industrial Conference Board |
| title_fullStr | Industrial pensions in the United States [Hrsg.]: National Industrial Conference Board |
| title_full_unstemmed | Industrial pensions in the United States [Hrsg.]: National Industrial Conference Board |
| title_short | Industrial pensions in the United States |
| title_sort | industrial pensions in the united states |
| topic | Arbeiterschaft fes Rentenversicherung fes |
| topic_facet | Arbeiterschaft Rentenversicherung USA |
| url | http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=026708464&sequence=000001&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |