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FILE NAME Insurance Industry INS DATE 1957 Apr DOC INS060 DOCUMENT DESCRIPTION Proceedings of the Home Office Life Underwriters Assoc Meeting with Member List & Presentation The Asbestos Industry Certain Health Experiences Among Asbestos Workers ee etnak enaw ae wre eS od. A oe e os ns e eed 2 al > yg AAA COURT REPORTING DEPOSITION EXHIBIT 10 PLAINTIFF'S EXHIBIT 115.0 PROCEEDINGS OF THE Home Office Life Underwriters Association AND THE Occupational Committee APRIL 1957 MEETING VOLUME XXXVIH The Association is not responsible for remarks made or opinions expressed in the articles criticistas and discussions published in these Proceedings COMMONWEALTH Pozen ONCZITER MASSACHCENTER a cere wets rime oan stays geting venue 4 - ra a . . XXXVIII TABLE TABLE TABLE OF CONCTONETENNTSTS OF OF VOLUME XXXVIII PART I PART THURSDAY APRIL 13 1937 PAGE MORNING SESSION Arnoldi Arnold 47282862 President Doane Meeting Caled Meting OrderPresident Donne Arnold 47282862 Address tumblers Forsidential 0. President NoAt nderson Look at the Future Kelley Genthuer _ 47282862 Regnt Regent of Serretary Obituary Notice William Genthuer Genthuer -- 47282862 . of 47282862 TreasTureraseurrer and Examination Committee Examination Committee 47282862 Report of Joint Elaration and ees 47282862 Examination Examination cere Report of Nominating Committee 1957 THURSDAY MURI 18 1957 AFTERNOON Panel Discussion Underwriting 32 2 Disenssion Lader 3 Panel Discussion Practical 3 Leader PaDnieslcusDiscusison iDoinscussion Underwitng 7 Dission Panel Discussion 47 Discussion Leader Williani F. Ward FRIDAY APRIL 12 1957 AD MORNING SESSION President Huchner Meeting Called to Onler 3587 a of the Excentivo Twenty ShepShhepheerd Srhephd Underwating Changes erd Comcil Years Underwating Juhn Twenty Years Penres 51 . 50 . Minutes Changes over Operations John Hate Underwating Changes Twenty John G. Underwating Asumption "Assumption of Business Itisk speeeene ann Kelly Discusion cents Insurance Insurance Operations ee copes 03 100 TT) e iv perm i. PONTENTS in v . q - PART II * INDUSTRIAL UNDERWRITING SESSION . FRIDAY APRIL 12 1937 PAGE AFTERNOON SESSION : Meeting Called to Order Chairmum Russell Wagner wee 115 aa Heinurks President John Huebner 118 .* Industrial Quis Panel Samuel P. Attending W. Black Jr Francis H. Arquisition Arquisition Casts tee Medical Information at Highor Ages Physician's Statement Versus nati in Fo amilyn Family . Limiting Industrial in Family . 117 . 119 123 ; 136 f 5 Clinic Rex Metz Moderator Industrial Case Matthew W. . Nominating Peterson Maurice Nominating Com it e RepurtRepurt of Nominating Committe ---- ++ ., + ie te . III PART PART . OCCUPATIONAL COMMITTEE ; if + SATURDAY APRIL 13 1957 z MORNING SESSION 4 Hemarks 3 Taconite Meeting Called to Order Chairngen Donald H. Lawson +++ 139 President Jahn Huebner Processing David Cartwright 1. 139 % Dressing nint Processing David P. Cartwright 111 Gerney; Discus ion Morris Moderator Chester Panel DiscusionDiscussion Morris PitlePr iPtiletrlerModerator Chester F.F. BaBarrnneeyy . Panel Leon B. Hovey Paul Shen John F. Wilson 4 4 Considerations Underlying Reductions in or Elimination 161 . of Occupational Ratings ee eee Stratton Reuel C. Stratton 185 be " Energy Twelve Months Nuclear Experiences Among t Report Certain TheAsbestosIndustKryenKenneteh th Smith M.D. Jackson Workers Health Bze and Hugh 3 s J JOINT EDUCATION AND EXAMINATION . COM IT E COMMITTEE iat ~ Examination Certificates in 19571957 ExaminationExamination Questions sete Students Awarded of Proficiency in 1957 + t A. 2 4 Fd i; 4 : as cee en tener tema +o te memea5 8 rata acre Be: we EXECUTIVE COUNCIL OFFICERS OFFICERS 1957 1958 JOHN M. IlUEDNER WRAY M. BELL . . Eant M. MACRAE . . ARTHUR FAULKNER , . Geona A. PILLMAN ARTHUR A. Windecken . . President President President Secretary Treasurer Editor Term PAST PRESIDENTS vend JOHN C. ARUDINALARUDDINALD Expires . 1959 THOMAS K. Donn . ' . . 1960 HARRY F. GUNDY . oneal DOANE ARNOLD + tan ELECTED . 1061 . . . 1962 Aah CHESTER F. BARNEY . . . 1958 penta BARTON S. PAULEY . Thomas W. Ru^d DOUGLAS T. Wei . 1958 . . 1958 . . . 1958 ta ROBERT B. CAFLINGER . - . 1959 WILLIAM H. GREENWOOD Jn . . " 1959 Sam Autnen C. KERIN , . 1950 ' ate DONALD B. SEMANS . ~ 1950 end Sm Ae ein aRee Anaemiwes tae Am en vi aan ene COMMITTEES COMMITTEES = OCCUP 371O DONALD H. Lawson Chairman REUEL C. STRArion Consultant CHESTER F. BARNEY WILLIAM C. HARRISON DAVID W. BELL VICTOR HENDRY ERNEST A. CARLSON LEON B. Hovey Harold Davies MORRIS PItler WILLIAN FEERY JULES V. QUINT PAUL SHBA PROGRAM WILLIAM F. Wang Chairman WALTER A. MERRIAM GAYLORD L. PAINE Dotal T. WE JOINT HOME a EDUCATION AND EXAMINATION COMMITTEE OF OFFICE LIFE UNDERWRITERS ASSOCIATION AND INSTITUTE OF HOME FLICK UNDERWRITERS THE THE . DAVID P. CARTWRIGHT CARTWRIGHT Chairman DONALD J. VAN K untsTreasurer Home Office Life Underwriters Association Maurich E. Comfort WILLIAM H. GREENWOOD Jn S. MCCOLLUM ERNEST Y. Rowe ARTHUR W. WILLCOX JOHN S. WYPER . Institute of Home Office Underwriters WALLACR E. BIDELMAN | W. CoxpoX HAROLD A. Mrxsos - M. TuoTAN Win"TM. WARDEN JR Keru R. VEGLATIN NOMINATING HARRY F. Grxoy Chau'man DOANE ARNOLD Thomas K. Dond AUDITING CHARLES II Edwards CARL W. HUBER INDUSTRIAL UNDER WHITING GEORGE . Varni ClascaR^ vii 6 OwtER SR Te as OFFICERS OF THE ASSOCIATION SINCE med ORGANIZATION amen HIRASI F. Roniera Rel Whaaas~-H. Dalkas Tt nan ena coeam GuBON MCCASKIE REGINALDREGINALD SHEMTEND Sevens a WEBSTER OY ne MARSHALL CLEAVES CLEAVES Ae game 1938-1 1588 89 1938-19111938-19 1911-1913 3913-1904-1 3913-1904-1 3913-1904-1 3913-1904-1 1911-235 1911-235 15-1916 15-1916 1916-1917 1916-1917 1947-1918 1918-1950 1918-1950 1950-1933 1950-1933 1951-1032 1951-1032 1951-1032 1952-1953 1952-1953 193-1934 1933-1934 193-1934 1951-1955 1951-1955 1955-1956 1955-1956 WILLIAM H. DALLAS ca ix OFFICERS OF THE ASSOCIATION SINCE ORGANIZATION A Hanny 1. GUNDY Presidents Continued Continued Doane Arn John M. Hvennen WRAY M. BELL CARL M. MacRae Secretaries LEIGH CHEAS DOBOLAE S. CRAME ANDREW C. WEBSTER THOMAS K. Done Antuun FattLKKER Trotters F. Pueles Toon Almen J Ruay GEORGE E. ROGERS JR MARIAL .. Cleaves G ons A. PILIMAN MALCOLM ADAM HAROLD F. LARKIN Ross B. ConDON GEORGE W. Cheney II ARNOLD Houghton ARTHUR FAULKNER HENAY W. Cook Jr. Artuva A WINDECKER 1930-1937 1937-1913 1937-1913 1950- 1910-193 1910-1933 1910-1933 1933-1935 1935-1949 1939-1917 1917-1919 1930-1953 1933-1934 1950- ne fa Matstata 1. CLEAVES tename enr 3 remewe R. ^ ARME ^ ARME ee ere ne en e rst 1937-193 HR38-1940 1939-1911 1939-1911 1910-19443 1910-19443 1911-1914 1913-1915 1913-1915 1950-32 1950-1932 1951-1953 1951-1953 1952-1952 1953-1954 1953-1954 Fl hae ee, ROLL OF ACTIVE MEMBERS Listed by Company Acacts Muze, five Afliation Washingean & DG J,N30RANEy ACTIVE MEMBERS ROLL ROLL OF ROLL ROLL ACTIVE ACTIVEACTIVE MEMBERS MEMBERS N. W, ROLLROLL ey Company Company Cleary: Meare fh, Listed Company Mutual < Courant Affiliation Avenue, N.W. Mutual Mutual fave Insurance Courant Courant 51 Louisiana WashingtonfD.Ca. ve Underwriter Courant Underwriter . William LIFE B. Penn Chief tary, Life IKSURANCE Underwriter COMPANY Farmington Avenue Avenue Hartford IKSURANCE IKSURANCE Tesistant Farmington Comeefirut George Hogerman Vice President President ETL Park Assistant Seercharg Sulistandard Underwriting Cat ,G. Vigel Division Underwriting William H. anata fHlinaty Norris Assistant ALLIANCE NATIONALE Chief Sherbrooke Montreal ALLIANCE ALLIANCE NATIONALE 680 onest Quebec NATIONALE Parry Secretary Coane! Michigan As istant Assistant Canada Norman Secretary AMERICAN CONVENTION CONVENTION 210 Illinois Ilinois H. Kastner North Counsel Stree, Chicago Aurneyy Administrature 4, AMERICAN Lee Parker BREA AMERICAN BREA 63 63 Best South South Water Minois SERVICE Minois Oto Ebier Via Presidrat Pat Crock Park. WH V. LIFE INSURANCE INSURANCE Ui, Carasy AMERICAN AMERICAN AMERICAN Italianapolis INSURANCE way Underwriting Viry President Chester Munch Munch Chief Underwriter President Waco LIFE AMHABLE AMHABLE COMPANY Amirable Amirable Building INSURANCE AMHABLE Presulbut ant Underwriting Tins Trans Dryden Dryden Vice Vice Manager Underwriting ChiPANY ATLANTIC LIFE LIFE INSUnasul ATLANTIC Virginia INSUnasul Vice President President Saratoga Montgomery Montgomery Montgomery INSURANCE tad Lase Saratoga Tag Betrexone Betrexone INSURANCE Bragins Baltimore Maryland INSURANCE Prezident Carmil rwriting Joba a. todos Bronks Bronks rwriting Mrs. Bakts Bakts Elizabeth High rwriting Muines Muines Bakts Bakts Cars John Vice WAS R. Archibald Asistiut SupervisorSecretary NePbetrearsskona " Ws Snnses Tare Ja's Underwriting Underieriting Eineuda 4, Ja's S. Metadlum CAPANY BANKERS BANKERS CAPANY NEBRASKA 1315 Nebraska . Risk Selection L'nderwriting x ROL, 5 a SEMLERS xi Mont- Mont- Mant. Huber Insurance President Underwriting Underwitng Pittsfield Pittsfield Secretary Courasy Masu- Masay. BruceShepherdUnderwriting Seeretary Shepherd Secretary MEN'S ASURANCE ASURANCE Building Building Kansas 11 Couravy City 4, Horton ReinsuranceReinsurance COMPANY Underviler WESTERS INSURANCE WESTSERTS ,ATES INSURANCE CCOOMPAMNY CPOMAPNANYY Tenth Tenth COAST Walter Kenberty California President and Chief Underwriter ran TeInth and J Avenue Toronto Map ASSURANCE 220 Canadia Fniversity Fniversity Avenue Daly Underoriling ty Underoriling Avenuc, Torenta Gerald DalyUnderoriling UnderwriterUnderwriter Underwriter ExecutiveExecutive Executive 4 Spittel UnderwriterPievitep As ociate Asociate ActuaryActuary Actuary COLONIAL INSURANCE INSURANCE OF INSURANCE COMPANY COLONIAL JerseyJersey Underrating COMPANY Secretary New Jersey lentes, Corbet qW Underrating Strenp, Street INSURANCE COMPANY COMPANY COLMINIAN Broad Street Streoe, COMPANY Avenue Avenue New York COMPANY Secretary Secretary t York ASSOCIATION12 a Underwriting Underwitng Toronto Toronto York Assistant Underwrding Scenery Underwrding Scenery Unterwriting INSURANCE INSURANCE INSURANCEINSURANCECourexy Street Connecticut Connecticut Anderson President PUrensiddeentrwriting Scorebary Garden Underwitng Le Underwriting ? partnent iN, i; Carl Gaylord Underwriting Underwriting Underwriting Te Seretary Applications Pttloent Gaylord JohnHPaiinlo lSupervisor SupervisorApplications Applications iUrniting DyParlinent T.John Dela, PitePresite Gaylord 1. Indetea wi, Cadlenersting tink Street, SainoUUnddeneriten 8 titing Stevetary ny amt ae xi BOLL OF MEMBERS CONTINENTAL AMERICAN LIFE INSURANCE COMPANY Wilmington Delaware Vire l'resident Underwriting Thomas W. Real Underwriting Vire l'resident Rodney Square CONTINENTAL Assurance COMPANY 310 South Michigan Avenue Chi- cago , Illinois Rabert J. Campbell Assistund Vice Presistent Presistent C. Edwin Carlins Chief Underwrites Crows LIFE issenises toyPANY toyPANY 120 Bloor Ontario Canadia Underwriting Esant . Vardan Underwriting Underwriting Underwriting Secretary W Hatehom l'aules mailing Assistant Street Bast Toronto Daustox Java Assa avser Charaxy 1 Albert Street Waterlon Ontario Canada Canada Arthur J. Buenergard Metuacy or Casana Gese~stIssuraser Comrasy Poronto Ontario Bo usiast Camuda Camuda Juhn Shurtt Spervisar Life Twlerwriting $ Lafe Ear~-m IssIRANE IsIRANE Gaurasy 213-251 King Street East Kingston CanCandaa nanda G. Burnside Underwriting Secretary EQUITABLE LIFE ASSURANCE SOIETY SOIETY 38 Seventh Avenue New York , New York Vice William E. Walsh President William J. November Vic President and Amvaciale Actuary Arthur A. Windecker Manager Underwriting Department Francis X. Cassidy Chief Underwriter Harald Davies Senior Underwriter CITE Life Insurance Cumpasy Cumpasy Sixth Avenue and Lorast Street Des Moines lowa Jahn F. Dastan Visderbetting Keretary Keretary Will D. Mackinum Caderwaiting PrakatPrakat Kenneth R. Austin worlunt Secretary EQUITABLE LIFE InstRaves InstRaves C 810 Washington 5 DX r Clyde H. de , Hesistint Secretary Fourteenth Street N.W. Escersion Escersion Live Issuisce Conmaxy 36 Toruntio Street Toronto 2 Canada Ontario Proletarniting D. Riddle Proletarniting Enditure The FIDELITY METCAL LIFE INSURANCE COMPANY Parkway at Vuirmount Avenue Philadelphia Pennsylvania . Arthur H. Evans Sromi President Caderwriting A. Sichqester liplerweiling t^/glicer LIVE INstus Company Company 12 South Sixth Street Springfield FRANKLINlis Flayd G. Short Vice President Ralph Burd Assistant Vier President GENELIAI GENELIAI AMEPAS LE 18stnasce CarANY CarANY 1601 Locust Street St. Louis Missouri Douglas Wooh Manager Underwriting Department BOLL DE ied anausb xili GOLDEN STATE MUTUAL LIFE Insurance COMPANY 1909 West Adams Jr. Boulevard Los Angeles California Isaiah S. Blocker Underwriting Secretary Great ASSURANCE COMPANY Rorie and Lombard Winnipeg Manitoba Canada J. E. Morrison Assistant General General Manager and Ictuary 1. A. Keltie Underwrtbay Dinhver John W. Brice Underwriting Underwriting Secreturn 11. B Wintrup Manager Life Underwriting Streets GUARANTEE MUTUAL LIFE COMPANY 1505 Dongles Street Oniaha Nabranita George M. Stanley Inch rut~nySecretary GUARDIAN Lre Issenyson thewasy 50 Union Square New York New York Charles II Edwards Undworciting Undworciting Storetary Charles A. Will Assistant Underwitng Underwriting Secretary Champany HAWAHAN LIFe Insurance lulu Hawaii Champany LTD Post Office Box 3119 Mono- Robert E. Anderson Sondary Sondary HOME LIFE INSURANCE COMPANY 231 Broadway New York New York Robert B. Cunningham Puterwriting Puterwriting Secretary George S. Haushalter . met Underwriting Secretary Daniel G. Stewart Assistent Conferioriting Secretary HOME LIFE INSURANCE COMPANY OF AMERica 300 Walnut Street Philadelphin Pennsylvanin George L. Knowles Provatrul HOOPER BUREAU I. 20 Madison New Jersey Verne W. Forkel Vice l'a siebent siebent Albert E. Thyadius Vice President Avenue Morristown IMPERIST LIFE ASSURANCE COurysy 20 Victoria Sweet Toronto flntario Canada David W. Bell Underwrnu Underwrnu Eventare Donald E. Sunderson Wear Underwriting Depariment INDEPENDENT Orden of Foresters Temple Building Toronto , Untario Canada ^ Edward A. Watson Marnie u~ nch en citing INDUSTRIAL LIVE INSURANCE Contray BISt St Louis Bond Quebec Quebec Canada S. W. Hoyle Actuary wet IOWA LIFE INSURANCE COMPANY COMPANY 10th at and Streets P. - Moines Iowa Gr Wallace E. Bidelman Chief Uelrs Uelers Gr JEFFERSON STANDARD LIFE Issuance Couricy differion Square Greensboro North Carolina 13. J. Tribble Chief Underwriter 13. Bain Alexander Assistant thaf Duckrative Duckrative Duckrative ae { he i } 4 5 { {- wee xie ROLA OP MEMBERS Jony flyscents Alu te'a Lier IxSUKANPE IxSUKANPE COMPANY 2001 Berkeley Baston Massachusetts , Berkeley StreetStret Hos Mayer Vice President E. President Noel S. Barker l'as^...k l'as^...kl'as^...kut Lom II Hovey Asistant Assistant Seen Mary Underwriting Underwriting Department 1. Arnold Honiglihai Servond Vos Presulent l'roderwriting John P. Shtyhan Assiahol Eulerwating Director Thomas A. Walsh Insistent Underwriting Underwriting Director . Labulary Carolin Greenville Instrasen Instrasen Chourasx Chourasx Liberty 136 Building South Carolin Chady H. Hipp Executus Vin President Laura cxde Cyst SPTY COMP^ SYOF TEX ES E TEXXESSEE 131399 FFoouurrtthh , Nachville , Tennessee North North Avenue Avenue Cammen Tense di Vic Provofenk Provofenk lystraeg Lai lystraeg lystrateg taimeks taimeks of Ca oduda574 W. Paclities Street N.E. Stre t What 20 yangi N.E. N.E. Eye Gt W. Wilson Okur E white white stee Fart Ex flowing 4Ne flowing abelplain Ponosyly flowing Henry Withok Ji Link Jastrana VirginiVirgini Charyya Charyya Narnii Narnii Asirip Asirip Ham 'Ham Pre Pre shent shent H an Vilmasta Chapitul ArriArri Stammt Stammt ? Pluki Street Ridanoisi Willes H. be dare Vineftrs VineftresVineftrs tend National Blue Jascorts Jascorts Shert Fort Warchie RANUL USAPAN Thonda Thondda big big Thondda - fot served buroPp nhat PH1-27 PH1-27 South Harrison LexmoxCaned Deanexy Fan Eystrayed Deanexy Pufforin Aveneno London Ontario WM WM eo tout Kave atmos Nalt Bainy fie fant citrag Er stie Maturies E. Cotabort 1-2 dual letourY Munters Buibuibmore Lernbus Lernbuss BuibuibmoBuibomorere Buibuibmoore fils fils Sosi^ k Sosi^ k Avenue South South Mineapolis Mineapolis Minneapolis 2 At Konigson thus be heraber THE THE MACCAH MACCAH sph Wounds and Went Isstraat 2 Michigan SOP and Macnang dah meritingDeDpeepeeerrttmmaanntt Mara Fairy Fair IsegiNCH Hil tesan . oxtanned Hilltesan Caessa , Portland Portland Portland MMainae ine P'ice subint Meggyrtos Megyrtos Meggyrtos La La PPoottaassssiiee Pasul Pasul 159 York 57th Street 120 West 120 West New York New Samuel Samuel Ackerman Chief Departament Ackerman Ackerman Enzhevarriles meet First Assistant Secretary | ^ ario being Bawop r 1 iphewiphewrriter iter ipiphheewriwterriter Departament Departament Departament Secretary Sot kat~-n La sand Sottokat~-n~-Sottokat~-n~- l'ubicar ATSNETA TURBI Lana Esseanssi kereste Oubta Kanada Cores 201 Riba Sinet East , Mammer Workout the pariment pariment e Dr.Dr. . monte Medunt lighti e ee foes mn Sacra orkid x St. 0 mo } XV MASACHUSETS MASSACHUSETTS IsogusITY MASSACHUSETTS IsogusITY Street AND I te Drseits Cratravy Cratravy t~ lBeacon Massachusene Matt Brure Javedani Javedani Massach useris Massach Mas ach useris useris useris Mujuran LIFE L 9B Masach Springfield Missarlozsetta Springfield Marchese Michel Marches Vice Pro about COMPUNG COMPUNG 120 State Street , Meulkner Ernest Under^ Ernest A. Carlson Associra Assistan Henry 11. Nishio writing writing Secretar Secretar SERVICE 5. Edis McComer 5. Edis RoulderRoulsders Detrat Michigan METROPOLITIasssPECTION SERVICE LaraLara IserANORA . IsserANORA vyky Madison Avenue New York IserANORA Douglas S. Crig Second | Dendent Dendent , Edward A. Law detuney seware seware Ransom H. Haise Third 6, . Richard Richard Thi Thi Thi os WWalteralter A. Merriam, Thin valent valent + vavhaadhad Hissell G Demarest [ Two President MILAND Columbars Mitual Lite INSER Mitual Columbars , Columbars Ohio INSER Byron F. Shickey Chrif empe 250 Eas Bead Sheet Sheet Sheet MINNESOTA Mitest Minungsange Long MINNESOTA MINNESOTA Mitest Long Issu SO Flitst Flitst zixth Flitst Flitst zixth Street L O'Brien O'Brien Uncat Chrodes Chrodes David P. Cartwright de + . Asend Frank Somers . MONAB habe Assurance Harold , ket Monarchchusetts Live Issurance Com chusetts . Istestet Istestet Istestet Spring M Mess M Mess W , Phillip Phillip Underwood Underwood + 6 . rr Perel ar too INSURANCE i Maryland Maryland MiBurd Wheler MiBurd D. Wheeler Mar FRONT ; Atropjes Ltrs pe , ovee gy MENeTwALJerJseerysey BENEFIT LIFE INSURATI ea Stace, Qa gy , William Ward Fia Franklin White Und , George George A. PillPuain lluan tter er ! re Potty Hary Potty Sumner tobe ge Harry MMutuaun tuan Lare Assertaxer Come ot St . See we H io Waterloo Ontario Canali W. Brown fn , . LIFE MUTUAL MUTUAL MUTUAL LIFE INSURANCR INSURANCR Andrew New New 19 York Andrew Webster * Doe . 7, 5 . George McNamara McNamara ' Balward 41. of , Morris Pitler Assistant 12 Manley F. Littlefield Jr. ebteaheintiemea ee wi HOLE 19E MEVS Nanovat Lien A^ OACCIDENT Fastraxen COMPANY National Bradding So Shille Shille ossi L'^'vidne Vere President President None M. Hughes Vier President President and Chief Setuary . R. Taylor Artuary Russell L. Wagner Jeluar Rubert F. Stamps Jr. Manager Holzoney New wel Song 1 adentem adentem NAMOVAL NAMOVAL 114 AND CASE SETY CBANER CBANER Chringes Rodapi C. Bohrunian dr Thasier Thasier Busingas Phoenix Division Arizona Numivat Numivat tank Asst Have Clonmaya +9 Casana 522 Universite Avenue 2 Ontab~-Canadis Canadis W Buchanan Buchanan Undernviding Undernviding Undernviding Serrefazy Serrefazy Lift mysen flourANY 131 State Street Montpelier aap Artur C. Boho Harha Harha of Schrtion Schrtion Masad L. Boadun versand versand fuerter of Seerkens . . Wittenn 1. Batzematizens a foul ImcelveImcelve of Spiration Warm J. 19ostales Ass -band Leugeg Leugeg Samuxwin SamuxwSaimuxnwin L^n^>fxstrasch fxstrasch Comixxy 216 North High Street Colum- In 16 Cate Egie B. tione Patonfort et whereitum - Persount Lanes i dun AL Hewes Bye Les 13. Stepineusmui Stepineusmui Masters fasse Doh Underwriting Lafe Underwriting and Servire Des ar 541 M. 136rste 136rste 1997 1997 Lin Txstiago Txstiago Couravy B^,ylStreet Horton Horton Massijskom oda dalm 1. Stertos karolin plost and Manager of the Unders Duatur Antid Sound V'rel'resu^-ntV'rel'resu^-nt nace Sound V'relsu^-ntV'rel'resu^-ntV'rel'resu^-nt literas ording Depiloanl Depiloanl Depiloan Aboumes A. Worthi Setasol President mod Hung Worthi tn Sevdary en Hubert S. Andla ws whink whink Vndean Vndean tiling Setrobary Sovrclucy Fates W. French dr Ventusit Ventusit mbrrifina mbrrifina Sovrclucy Pirest Y. Howo Maunger Underwriting Underwriting DeparbwendDeparbwend et New Weantar fart IsseiniseL IsseiniseL CABANY CABANY G18 Second Avenue Seatth , Washington Howard Ol Lexd Jant Sunalart Sunalart a Niw York lari Isstarsson Comixa ^t Marlison Aventie New York Now bich James P. Plubite Somit Vats President President and th^,,fMetnary John F. Ryan Tu l'n sydent und Arberg PresplintPresplint Presplint Last M. Abuelar Presplint Rdgik 11. Rian bes Assis^ nutAssis^ nut Iresident Johan d 11'tomy 11'tomy Sruta Uuden eiler Willata Hamison Senior Videnrritor Nuvin AspiUAN ACCIDENT INSURANCE INSURANCE Castravy 209 South LaSalle Street Clunago 4 Minets Massabet Massabet Drake Lil Cande rivettez B ee AEL 1 xvii Nourrit Asemess Asemes tree xxie Dostun DayANY 1750 Hennepin Avenue Minneapolis ^/Minnesota Ward II Reall Underwriting Underwriting & Farsident Farsident Nota Auraneys Late AssiKENG Toremta Oulzur^o Oulzur^o Ganadia T Douglas T War SAPAAY 12-118 12-118 King Street Wea 1. Hasling Underwriting Seescunt Nuru AMERDAN LIFE INSURANCE COMPANY 26 South State Street Chicago , Illinois Frank R. Thmuns Issistant 1 Pres Piont Noura AskaAN REASSURANCE COMPANY 101 East 12ird Street New York New York A. H. McAulay President Baykod A. Binke Par plent Charles J. Rozea Assistas | Scorelan Robat It Gallagher Issistant Arbary Jolan A. Carr Jr. Cadera ter NOUTHERN LE Asurance Correysi Kouln Koulon Putatio Camela Armand L. Manues Ca ' pedond Earridur Nowermax Life Insurance Ostesi Ostessi Third sit niversity beattle , . Washington A. L. Whistone Whistone Assiste & Schette Schette Wisconsin s Metuat Metuat LaF2 ^ na 301 COMPANY 724 En NORTHWESTEiN Avenue Miwanker 2. Wisconsin Wisconsin Frazer Disector is Undervitina Undervitina . Underitng Casadi Assista Directur u Underitng Underieriting Leonard J. Schomme seerut Director of Vanderwriting Vanderwriting Super is Underwiton Roy H Berth Superris Underwrition Depuitwerd Depuitwerd Depuitwerd Egin Fassel Sonor A tear W. McCarter Assista Jebat y NORTHWESTERN NATIONAL LI Unasce Couraxy 440 44k Grov Street Minnemli 3. Minues stat Walter K. Fritz ~ adern- Sua Director OCCIDENTAL LIFE INSURANCE COMPAN 117 South Broadway lar Angeles 34 Califorma Memo Lake letuary T. | John R. Pullman Assistant Scorelar Quno Love ANGI ANGI USMPAN 2000 Reading Natios vinnativinnati Ohio Kidd Robert M. Kidd Chief W. R. Condon niferier ** Reading Road Li- COBPany 323 West Sixth Street PACIFIC MUTUAL LIFE IS"YBYCH California Maderwriting Maderwriting Peportovat J. N. Rockafellow Mam 17. Maderwriting Maderwriting Peportovat Peportovat H. Strobar Special treiler treiler A. AMERICAN LIFE INSURANCE COMPAxx 210 Cand Street Ker Orleans Louisiana Charles J. Smith Undearr Stanbren tea tea Stanbren Stanbren wr ea a Nour RADI DF -TAMIINKS trand Tan Past hyser QosPANY D8 Chestrat *** 1119 12 Street Worcester a Altonald Altonald Marshall Supirudi Supirudi Supirudi uident uident Bah Department Risk Essi yser2 Ovajessy Independence Square Phila- vipla vipla MakodaMakods~-s~- Prosohat AdlAard~-lar~- Prosohat Prosohat Proshat Tha M. Hofer State PresidPreesnidetnt an President Jones qui a^ of Applications nan Hrdush Danach Danach Najiniek ar mi Applicationes Moccite Tse, bof S Berens 17. POD she taht Apz^ltrabiansApz^ltrabians etap e 1 Washingt Pesersves Bern BH4 BH4 Street NW at . eee Ua. BH4 NW NW Washingt Stret , men . ** Degen teut Te i ' Te 7 -85 Plak hela 7. Penne kann kann fo " ~ out bo. Po th ding te MD tena, , t th Cn o t Moe 431 431 431 NECOME we MO, mbrrating ty aps Sa dint rr) TEM ay tao phe an . : rf : ' . Meee " annt not 50 Cath Avetone New YukYuk 3 377 * 14 Street , 4S 1 1 ' , 2011 2011 on Hinterach North ln ie : in tt tee ty: ' \ . | . ' . 4411 * POPVOV MMaasskekn en ShShach ach et ' 1: WP " 4 oe on . fore 1 ' Sse ~ 7 . oy foo ' i oe . ' ' ' \ i . Pe 193 Johan Stone Menstrual 1 Phee, . : ' ey hoa ut 1 ' te 1 re , por rn bees . " fe hee 1 te dd aat | fac uo In Bed sheet Newark Newark Man Dan Dan tb a heenettan ne em came I QW int Cry Bi Birojivani ce dodolljjanan , Birojivani Birojivani Mardan M. Birojivani Wal yg ye Bh TOGST TOGST HE HET TII Remida Narreevad an Martin Dallas Texas Texas JASORO JASORO Lex 190 Fox 1430 T 'n 1..1 Barever Barever Lei Rev. ~ nserver Texa W Kidtoapland C. Kidtoapland Kidtoaplnd Imola Kidtoapland Imola 14 Ho0p907 97E's Cour Cour 1 La Radio viivyt 17 viivyt 17 beredding bereddingbereding Dailes , R^rudi Chulher Contessa Wittem ConPteosssa, ie M. Wittem pitn maprej P.DSV If St^/llelsen 1o9f 63 1963 > shone fy ee fone, ' whe "dO soa the bay Hetton Bysestra Bysetra Bysetra flutarjeta issORT Hetton Rubb " SO att Sema, SUNDBYG || AAPUR AAPUR Josep i ve tack . 24 4.1 . \ , : SECURITY SECURITY Murest Murest Eat bases ashewa ashewa New } el Wilha H. vat Ne SEE ae, SW Benteke PstUS, SW Benteke 10 Virginia Floyd Floyd N. Baiby Chat & Baiby Chat HAJ^ SANY ZAPE ENARASSI ENARASSI 1999 Textes Halmet 13. Caplinger vers aNCE SOUTHWESTERy Lire lyst aaNCE Dallas 1 Trans Arthur CalERIL 11 sing Evet H. Rome Vin Vin d'a Deughes M. Faber Chrit STANDARD INSURANCE COMPANY IT H. Camuona Prestlent John F. Hook Az rsundVa THE STANDAt~-p STANDAt~-p Lark Asst RANK ( Montreal , Canada C. Hus Decorinte fo STATE A LIFE INSURANCE Hines Bloomington M. Spear V^/elrysikut V^/elrysikutV^/elrysikut 11. Miller Scuter Vice STATE LIFE STATE LIFE Ixsenvxer Ixsenvxer Ixsenvxer Couran Couraniss Wanas Sullivan dssociate * Theodore 1. Stevie Suredari Suredari . . st odte te Siegl s^,steri the Budd f^>tez Seed . ate gy ra 1 oS 2 ee Pht gts 1 to, . ' en Se vor: vo De Posen te meae tte pay eo K XX HOLL OF MENDERS Street State Muruan LAPE ASSURANCE COMPANY Or America 310 Main Worcester Massachusetts Charles F. Hniris Vice President Kalert H. Woodford l'udcewriting Manager Robert 11. Carey Assistant Underwriting Manager mald R. Treadwell Asistant Assistant Underwriting Manager Sex Jr AssuRANCE AsuRANCE COMPANY OF CANADA Dominion Square Montreal Quebec Canada Harry F. Gundy Underwriting Ezcentive John A. MacIntosh Assistant Superialewlent of Underwriting George George W. Wilvo Underwitng Underwriting Officer Six Life IsRANCE COMPANY OF AMERICA Sun Life Building Balti- more 2. Murviand Underwriter George F. Vneth l'haf Underwriter Street EN LE ASPACE COMPANY I Hayter Canada Toronto 2 Ontario Hamilton Mateus l'ndenreiting Secretary . TAS HAAVE HAAVE AND ANNUITY ADITION OF AMERIzza 522 Fifth Avenue New York ^tiNew York Ruben M. Dusiran VansPresident VansPresident and Actuary Warten A. Carter Assistant Artanry THAVELERS Ixtinsen Ixtinsen say 700 Main Street Hartford 35 Coa- nertimt nertimt R. C. Dinson President Life Department Louis R. Lyman Stroud Vari President Life Department Dom 1.veson Sreretary Laje Department UNION CENTRU Face IsseRANCE COMPANY 3-5 West Cincinnati 2 thio Richant Rusi Fire Fire farside unik Sarreiney Hichard S. Rust Jr. L^,sesfant Vive President President Wdhara 3. Fritsch Ive^>standSecretarn Secretarn President Wendell 17. Hanselman First Vice Vice President Fourth Street L'xtos Lamont ESTE INSURANCE INSURANCE COMPANY 2001 East 70th Street New York 21 New York Alfred C. Borkainos Assistand Actuary Psis Merrat Lore INSURANCE COMPANY 390 Congress Street Port- Intel Mano Henry J. Southven Jr. Vino Piazident Piazident Usima Buxan lave lyst Base Compasy 3310 Farmam Street Omaha Nebraska Nebraska S. Wagner PresidenPtresident Pyrow Lane ysD ACTTHENT INST BANCE COMPANY Concord New Hamp- shire Dr. Philip M. Forsberg Mohal Dieselur Dieselur William ^ Ingham Director of Enderwriting UNLFO STATES LaFe Ixsumasen Contraxx KI William Street New York 34 New York John E. Shvedaan Assistant Surretary ROLL OF MEURERS XXI VOLUNTEER * STATE LIFE INSURANCE COMPANY Volunteer Building Chat- tanooga Tennessee 1. Maxwell Shoemaker Chief Underwriter Broadway THE WestsN AND SOUTHERN LIFE INSURANCE COMPANY 400 Cincinnati Ohin P. Edwards Secretary Birming Muminer Inulastrial Department W. White Manager Cardinary Underwitng Underwriting Departmend Gorge E. Hisark General Manager Ordinary Department WISCONSIN NATIONAL LIFE INSURANCE COMPAsy Oshkoshi Wisconsin Homer 1. Pratt Assistant Secretary WooMES AccIDENT AND AND LITE Couravy Linaroln Nebraska 4. Selden Davey , Assistant Secretary WOODYKS OF DIE WORLD LIFE INSURANCEINSURANCE SI IETY 1705 Funam Street Omaha 2 Nebraska Robert W. Deems Semar Umhvoriter Umhvoriter Raymond M. Miller Conderwrite Jack R. Smith Senior Underwriter HONORARY MEMBERS Ebgan G. Brows T. FREDERICK BRUNTON G onceE. BELKLEY Marshall l Cleaves JAMES G. LATE J. BERTRAM BERTRAM MARON REGISALO C. MCCANNTE Chantis V. CORNELL HARRY MeManx MeManx Lien CiareKS CiareKS WILLIAM IL DALLAS Roy F. EDWARDS PER II Evass WILLIAM H. FLANIGAN Howard Goodwin Ross B. GoaDON C. ARTHUR HACKNEY FRANK J. HALLIDAY SAMUEL G. HOPKINS VALENTINE HOWELL DR ARTHUR HUNTER FRANK J. KEEFE HAROLD F. Lankis James Pmitsus Pmitsus SAMUEL MIlagay LAURENCE W. Moneas HAY 12. MumPHY Atsux D. REILEY LEWIS M. Robotnay GEORGE E. Rogers In WILLIAM F. Routers PEARCE SHEPHERD REEL C. STRATTON JAMES Q. TAYLOR WALTER TERBETI Joys S. ThoMPSON Rrugich F. Tell D. WILGLAMSON WILGLAMSON 180 HOME OFFICE LIFE UNDERWRITERS ASSOCIATION Fuel fabrication plants is the manufacture of fuel clements for reactors and the chemical processing of source materials and special muclear materials for them coming to the fore and being built Probubly in another year it will be possible to review these plnuts which at the present time do not involve too many persoas in a year or two there may he enough lives exposed so that the insurance industry will want to know more about them fi Having a paper written for me by the AEC in much better form than could give it to you will now introduce the guest speaker with whom have been aequainted for a number of years Dr. Smith graduated from McGill University and after * spending some time in the profession became the chief medical allicer of the Manville Corporation Canadian Division In 1952 he was promoted to Medical Director of all the Manville plants in bath the United States and Canada can speak for his experience and his knowledge of the types of exposure in which you are interested because I have been privileged to work very closely with Dr. Smith and his associate Mr. Hugi Jarkson who jointly carry out the Industrial Health Program of the Jobus Manville Corporation think we are fortunate in having had both Munville and Dr. Smith accept your invitation to participate in this program and to bring to you such data as is available to them Preparation of this material has been joint project of Dr. Smith nud Mr. Jackson as authors Here to present their material is Dr. Kenneth W. Smith CERTAIN KEALTH EXPERIENCES AMONG ASBESTOS WORKERS 187 THE ASBESTOS INDUSTRY- CERTAIN CERTAIN HEALTH EXPERIENCES AMONG ASBESTOS WORKERS BY KENNETHI W. SMITH M.D. AND HUGH JACKSON In this presentation I shall try to outline certain health experiences which we have seen in asbestos workers not only in my own company but in many other associated companies While asbestosis is a well recognized occupational disease there are relatively few people in the working populations of the United States and Canada who are exposed to asbestos dust and actually very few ever develop the disease It will be shown that the lives of the asbestos workers are not shortened by their occupation and also that work in these trades does not predispose the individual to other pulmonary diseases of nouoccupational nature The word asbestos is generally used to describe several fibrous magnesium silicates which are entirely different in their chemical composition and in their physical properties There are several types of these fibers The most important are the chrysotile amosite and crocidolite Deposits of these various types of fibers are found throughout the world The largest deposits are in eastern Canada and Africa These asbestos fibers are highly resistant to heat and some are resistant to acids They have great tensile strength and large surface areas Because of these properties as well as their filamented structure the industrial use of these fibers throughout the world is increasing The textile industry has used these fibers for generations to produce blankets clothing threads ropes tapes braided tubing and filters In recent years however there has been an increasing use of asbestos in the insulation building and friction material trades In addition the fiber can be found in wallboard shingles pipe covering floor tiles brake linings and brake blocks cements puttics and extensively in plastica Historically the material has been used for many years Those who are biblical students will recall that in the third chapter of Daniel the three men Shadrach Meshach and Abednego were thrown into the fiery furnace by Nebuchadnez- 158 HOME OFFICE LIFE UNDERWRITERS ASSOCIATION CERTAIN HEALTH EXPERIENCEXPEERIESNCES VAHING ASHESTON Wonkens 189 zar the king of Babylon They emerged from the fire completely unharmed and archeologists today lead us to believe that they were protected from the flame by a blanket of woven asbestos fiber Thus we can see that the mineral has been used for many centuries but it was not until thirty years that a definite occupational pulmonary disease was associated with the inhalation of this fiber than asbestosis bodies signifying an exposure to the fiber but not necessarily indicating disease If increasing quantities of the fiber are continually inhaled the tissue reaction progresses and a generalized diffuse fibrosis or scarring appears throughout the lower lobes of the lungs With additional exposure this fibro may spread to the other lobes of the lungs resulting in respiratory embarrassment As previously indivated the industry in finding many new uses for the fiber when mixed with other materials It is an established fact that when asbestos fiber is mixed with silica or diatomaceous earth ur other potentially toxic dusts the H pulmonary changes resulting from the inhalation of these mixtures are not typical of asbestosis The ray pattern is different the clinical course of the patient is changed or the susceptibility to intercurrent infection is increased or do- ereased Thus in making a diagnosis of occupational pulmonary disease it is highly important to obtain a detailed occupotional history not only the job title but also a complete list of raw materials used in the particular jul so that asbestosis siliosis or the mixed pneumonoconioses can be differentiated We believe that there are fewer than 15,000 people in the United States and Canada wha are employed today in mines and mi^ swhere their potential exposure is only to asbestos fiber In this industry the various mining milling and manu- i facturing operations create sonte dusts which are capable of ee | being inhaled If asbestos ^...bersfrom ten to fifty microns in length are inhaled continuously and in sufficient quantities of over a period of many years a typical pulmonary fibrosis will develop It has been demonstrated that this fibrosis is not Se due to the chemical but rather to the mechanical action of the fibers ewe The fibers are deposited in the terminal bronchioles of the lungs Then the tissue reacts coating the fiber and forming what is known as the asbestos body This appears to be a defense mechanism of the lung Many individuals who have these asbestos bodies in their sputum have had only intermillent exposures to the dust and have absolutely no evidence of the disease So it seems juore appropriate to use the term asbestos bodies rather and eventually cardiac failure : The pulmonary fibrosis resulting from prolonged inhalation of the fiber will produce a very typical ray pattern which does not resemble that produced by any of the other known toxic dusts The ray picture should never be used to estimate the presence or extent of an impaired pulmonary function or disability Many cases with ray evidence of advanced asbestosis have been known to carry on their work and live very comfortable lives for several years disease There's no typical clinical picture of asbestosis The disease is very slow and insidious in its onset and very slowly pro gressive with continued inhalation of the fiber The textbook signs of cyanosis and clubbing of the fingers are virtually non- existent in the cases of asbestosis we see today An ray survey was made of 7018 employees working in an asbestos mill where the ore was dried crushed separated and graded packed and then shipped Operations in this plant required the employees to rotate through various jobs so that it was impossible to relate any ray changes to a particular job or to a specified dust concentration At the same time it could be assumed that all members of the group had been exposed to varying concentrations the dust The rays of these employees were divided into three groups essentially normal those with exaggerated markings but not typical of any disease and those with definite asbestosis Of the 708 employees studied 649 or 91 per cent had normal rays This is of interest because 204 of the cmployees or 29 per cent of the total had more than ten years of service Two men actually worked over forty years in varying dust concentrations with absolutely no evidence of any increased markings in their rays Fifty of the 708 employees showed some increase of all peribronchial markings although none had any evidence CMDR RN as eT 190 HOME OFFICE LIFE UNDERWRITERS ASSOCIATION of asbestosis Sixty per cent of this group had more than ten years of service Of the original group of 708 only 7 had developed ray evidence which could be diagnosed positively as asbestosis These men exhibited various stages of pulmonary involve- All ment were working steadily nt their jobs with no signs of disability It is of interest to note here that none of the men developed ray evidence of asbestosis with under twenty years of exposure Medical literature has given considerable attention to occupational pulmonary disease but very little has been reported on the occurrence of nonoccupational respiratory disease among employees in the dusty trades In order to determine the incideure of nonorempationals disease in group of 1,561 men and women working in the asbestos industry it was decided to study the claims submitted for sickness and accident insurance All employees in the survey group participated in the plan operated by an inde pendent insurance company Indemnification was made only after the nature of the illness h^,dheen certified by the treat- ing physician pharyngitis The study included claims submitted over year period for such illnesses as the common cold sinusitis grippe bronchitis pneumonia asthma and pleurisy Occu- pational pulmonary diseases such as asbestosis were excluded from the report Of the 1,561 employees in the survey group there were approximately eqand immbers in the dusty and nondusty occupations Of all claims bled for respiratory disenses only exposure 15 per cent were for employees who had a dust Not only did this survey show that the incidence of disease over the year period was approximately the same in each group but it also established that there was no appreciable difference in the duration of illness in either group Also clinical observations for many years had given the impression a that a dusty occupation in itself would not predispose person to more nonoccupational respiratory disease than would a dust job Animal experiments and clinical observations have shown that asbestosis does not predispose a person to the develop- CERTAIN HEALTR EXPERIENCES AMONG ASPESTOS WORKERS 191 ment of pulmonary tuberculosis nor does it aggravate an apparently healed tuberculous lesion In two isolated one- industry towns in the Province of Quebec where asbestos was mined and processed the incidence of tuberculosis over a period of many years was no greater than that of other isolated } towns with comparable population lot without a dusty trade In addition the incidence of tuberculosis among asbestos workers was lower than that in the general population in these mining towns Conflicting opinions and different reports make it extremely difficult to confirm or deny conclusively the causal relationship of asbestosis and carcinoma of the lungs Too often a common conclusion is drawn from observations and experiences with different racial groups living in different parts of the world under variable economic conditions and working in diverse occupational exposures To these variables I'd like to add the fact that there are the various types of asbestos fibers which may have different actions on the lungs The Canadian experience with asbestosis has been limited to the chrysotile fiber The majority of industrial processes in the United States use this fiber but recently there has been some increase in the use of amosite and crocidolite On the other hand the British and other European industries use greater quantities of the harsher fibers amosite and crocidolite Therefore in trying to clarify the causal relationship of asbestosis in cancer many variable facts should be clearly identified especially the type of fiber used and whether or not other dusts such as silica or diatomite were present in the industrial or environmental atmosphere To amplify this point I'd like to inke a few moments to describe the three types of asbestos fibers most commonly used today An electron micrograph of the South African blue or crocidolite fiber would show that it is composed of many short sharp spicules which are rather brittle Amosite fiber is brownish yellow in appearance and found in Africa and Australia Scen under the electron microscope at eo the same magnification as above the fibers would appear sre longer less sharp and they actually are less brittle than the Lame crocidolite 192 HOKE OFFICE LIFE UNDERWRITERS ANSOCIATION Unde chrysotile fiber found chiefly in Canada is greenish white in appearance Electron micrographs show that this fiber is long soft and silky I think that it reasonable to assume that the short sharp und brittle fibers such as crocidulite and amosite could cause much more extensive damage to the lung than could the long soft silky chrysotile fiber Therefore I think it is unfair to compare the experieure of some of the European operations operations with our North American operations using different types of fibers with different actions To amplify my statement that there are different occupational diseases having different ray pictures and different elinical patterns I would like to describe the ray appear- . antes of some of these discases The ray in asbestosis shows a fine diffuse infiltration bilateral in both lower lung fields The heart ontline is shaggy or completely obliterated The nodular or conglomerate patterns of other pneumonucanjoses are not seen in asbestosis In silicusis the ray reveals a nodular infiltration which is bilateral and appears in all lung fields from apex to hase Conglomerate shadows can uppear in any of the various lung fields The homogenous or ground glass appearance of asbestosis is not seen here The ray of diatomite pneumonoconiosis can show an exaggeration of all linear markings a very fine nodular or gramlar pattern and frequent large coalescent shadows usual- ly in the apices from The ray pictures resulting from the inhalation of a mix- ture of dusts never follow the same pattern and certainly are not typical of either of the inhaled dusts In present working environments man might be exposed to mixtures of silien und eual asbestos aud silien or diatomite and silien Thus you could have many bizarre ray shadows changing from line gramlar infiltrations to homogeneous and later to cualescent shadows in the same individual Several years ago unyone who installed insulation materials was called an ushestos worker because asbestos was practically the only material used for this purpose Today however there are mineral fibers synthetic fibers clays cement magnesia and a host of other substances used in the insulating CERTAIN HEALTH EXPERIENCES AMONG ASBESTOS WORKERS 103 trades The majority of these materials are relatively non- toxic and it is obviously incorrect to label the insulation installer today as an asbestos worker There are numerous articles in the medical literaturo today reporting the incidence of asbesto or asbestosis and lung cancer among asbestos workers The conclusions of the authors should not be accepted implicitly unless the report clearly indicates that the called asbestos asbestos worker was exposed only to asbestos fibers and not to a mixture of dusts One company in the group am reporting has a retirement plan which has been in effect for sixteen years They have a total enrollment of slightly over 21,000 people but of course this figure has varied slightly through the years Since they started to use asbestos fibers just about 100 years ago the following review of the pension plan will include employees Me who have had an exposure to the fiber over a long period e of time In the past sixteen years there were 1,185 employees who retired under the provisions of the pension plan The average length of employment for this group was 24 years Although we are unable to determine specifically how many of these had extensive exposures to asbestos fiber it is reasonable to assume (ae that the majority had since asbestos is used in nearly all of the product lines Of the 1,185 there were 180 who retired for yer disability before reaching the age of 85. Only 6 of these had asbestosis acer This low incidence based on long employment with potential exposure would seem to indicate that the asbestos trade is not as hazardous as may have been indicated in the past Conclusions 1. Asbestosis is a recognized occupational palnionary disease slow and insidious in its onset It takes many years of exposure to develop it does not progress after exposure coases and there is very little disability until it is far advanced 2. There are relatively few workers exposed only to this dust in industry today