Document yr2MRK8kb41bVpM7mrNqNJnyX

FILE NAME: Metropolitan Life (ML) DATE: 1945 DOC#: ML233 DOCUMENT DESCRIPTION: Group Rate Book MINIMUM FIRST TEAR EXTRA PREMIUMS FOR 8R00P LIFE INSURANCE ISSUED ON TEE ONE TEAR RENEMABLE TERM PLAN TO COMPANIES IN HAZARDOUS INDUSTRIES Where one concern 1 engaged In two or aoro in dustries,anyor all of which require an extrapremium, all the tacts, including an occupational analysis, should be referred to the Home Office before a quota* tlon is Bade. The fact that some industries are not listed be low should not be construed as indicating that no extra premium charge is necessary. If there Is any question as to the correct prealun to be charged tor any certain industry, be sure to eonsunlcate with the Hone Office before any definite comment is Bade. The alnlauB extra preaiuas for the Industry are applicable if all the employees of the eaployer are to be eligible. Where only certain occupational classes are to be eligible an occupational distribution of all employees, including thqse who are not to be eli gible, should be submitted to the Haas Office for pro per rating of the classes to be covered. The prospect should definitely understand- that all quotations are subject to final Bone Office ap proval. aw a r smaniran runm u ramniun rat U.ooo or mould rnmlim ItoetUr MININS Coal - surface or Underground. . S 3.00 G 0.2S- Lead and zinc - Surface or Underground ............ RefertoHob# Office Other Ketals - Surface or Underground ............ 3.CO .26 minerals (Clay, Phosphate, Salt, Shale, Talc, Feldspar, etc.) - Open Pit or underground (Does not include salt production where no mining operations are involved) .............. 3.00 -.26 Quarries, Stone Yards and hills (Sranlte, Marble, stone, Slate, or any substance including Rome 3.00 .26 SMELTING AND REFINING OF METALS (Sy other than Electrolytic Process)............... 1.00 .00 IRON AMO STEEL Iron ore hilling and Blaat Pur- nace Operation........... 1.00 .09 (risks engaged in steel taking, even though includ ing blast furnaces, say be written without extra). 10-17-44 (Page 2) imam IKON MIO STEEL - Contisued. Stool or iron Foundries..... (If the beste industry of e risk is other then e foundry but foundry operations er involved, a composite extra premium win bo computed by the H.O. upon receipt of a completo occupational dis tribution of employees.) cCuin.moouonmosrs isMunsiisamaimscsr u twwt ftatfcir freeiva fraatw S 1.00 S 0.09 TRANSPORTATION Airplane Transportation, Transport and/or Air Kail Companies, and Flying Schools..... Electric end Street Railways, Railroads ............ Subways and Elevated Railroads Steam Railroads (Claes 1 Rail roads)............... Terminal Railroads and Other Railroads not Class 1 Rail roads ............... Stevedoring, Lightering, Tugs, Serges ana Dredges. . . b fir ts Scm orne 3.00 ..0296 Safer t t fcm Offt 3.00 .26 2.00 .17 MISCELLANEOUS Manufacture of acids (Heavy) and Poisonous and corrosive Oases (Carbolic. Hydrochloric, Hydrofluoric, Nitric, Prussic, $ s of Asbestos Cord and Fabric . Breweries............ . Manufacture of Explosives and Fireworks ............ Fertiliser .... ....... Fishing (Deep Sea) ....... Fire Departments Police Departments . brick or fire resistant mater ials, composed chiefly of silica or silicate minerals). . Manufacture of Rockwool. . . . Sewer, Road, Dam, and Bridge Construction, and.Structural iron ano steel Buildings. . . . Woodsmen and Loggers ..... 200 .17 2.00 .17 Safer to Isso Offtoo I1 (f25o..r00t00o 3.00 Isa* Orfi...c124o783 Safer to fea, Offtoo I1 .Sa2fe.r00ta Saaa Qffl.e1e7 1.00 .09 Safer ta 1am OfflM 4-4$ (Pegs 3) \-- i-- 1 i Schedule of Minimum Monthly Prenluna Per $10 Non-Occupational Weekly Benefit No Industry Loading Schedule A Applicable to groups sblch both (a) are on the Slapllfied Accounting System and (b) require that all eligible eaployees aunt becone Insured. I I Day Benefits Maximum % of Benefits on Females Begin Less than 91 9 Accident Sickness (Weeks) 11 11-21 21-31 31-41 41-51 51-61 61-71 71-81 81-91 and over (ft 8th 8th 13 $ .57 $ .60 $ .63 $ .66 $ .68 $ .71 $ .74 $ .77 $ .60 $ .83 26 .68 .72 .77 .81 .84 .88 .92 .96 1.01 1.05 ? 52 .88 .95 1.02 1.08 1.13 1.19 1.25 1.31 1.38 1.44 n 1st 8th 13 26 52 .63 .66 .71 .74 .76 .81 .84 .87 .92 .95 .73 .78 .83 .88 .91 .96 1.00 1.05 1.10 1.14 .63 1.01 1.08 1.15 1.20 1.27 1.33 1.40 1.47 1.53 4th 4th 13 26 52 .73 .78 .83 .68 .91 .96 1.00 1.05 1.10 1.14 .83 .69 .96 1.01 1.05 1.12 1.17 1.22 1.29 1.34 1.05 1.15 1.23 1.31 1.37 1.46 1.53 1.61 1.69 1.77 1st 4th 13 26 52 .76 .81 .87 .92 .95 1.01 1.05 1.10 1.16 1.20 .86 .93 1.00 1.05 1.10 1.16 1.22 1.28 1.34 1.40 1.08 1.18 1.27 1.35 1.42 1.50 1.58 1.66 1.75 1.83 15th ISth 26 52 .61 .64 .68 .71 .73 .78 .81 .84 .88 .91 .79 .85 .91 .96 1.00 1.05 1.10 1.15 1.21 1.26 These rates are for Plans excluding maternity benefits. IRuF sYcKHESS AND ACCIDBHT INSURANCE (EXCLWNGliTOim BENEFITS) I 5*1"49 fICDfESS AMD ACCIDENT ----- (BECLUBIMC KATKRKITT BSNSFITS) Schedai of Nini Monthly Premiums Per $10 Iton-Occupatiaiul Weekly Benefit ____________________ Wo Industry Loading___________________ Schedule B Applicable to groups ehicb have SO lives or sore insured at issue and do not ueet both of the folloeing requirements: (a) group is on the Simplified Accounting System and (b) all eligible employees must become insured._____ _____________ __________________________________________ Bay Benefits Begin Accident Sickness Maximum _____* of Banefits on Females Less than 01 (Weeks) 11 11-21 21-31 31-41 41-51 51-01 01-71 71-81 81-01 and over 8th Sth 13 $ .00 $ .03 $ .00 $ .00 $ .72 $ .75 $ .78 $ .81 $ .84 $ .87 30 .72 .77 .01 .85 .80 .04 .08 1.02 1.00 1.10 S3 .03 1.01 1.07 1.14 1.20 1.28 1.32 1.30 1.45 1.51 1st 8th 13 30 53 .00 .70 .74 .77 .81 .84 .88 .02 .05 .00 .77 .83 .87 .03 .07 1.01 1.00 1.11 1.15 1.20 .08 1.07 1.14 1.20 1.27 1.34 1.41 1.48 1.54 1.01 4th 4th 13 30 53 .77 .83 .07 .02 .07 1.01 1.00 1.11 1.15 1.20 .87 .04 1.00 1.05 1.11 1.17 1.23 1.28 1.34 1.40 1.11 1.22 1.30 1.38 1.40 1.54 1.02 1.70 1.78 1.80 1st 4th 13 30 53 .80 .88 .01 .00 1.01 1.00 1.11 1.10 1.21 1.20 .01 .09 1.05 1.11 1.17 1.23 1.20 1.35 1.41 1.47 1.14 1.25 1.34 1.42 1.50 1.50 1.07 1.78 1.84 1.02 15th 15th 20 52 .04 .08 .71 .74 .78 .81 .85 .88 .01 .05 __ .05 1.00 1.05 1.11 1.10 -idi 1.27 1.32 These rates are for Plans excluding maternity benefits ` _____ - ...................... -- ........... ............................................... I.. ML .................. ..................... GROUP SICKNESS AND ACCIDENT INSURANCE (EXCLUDING MATERNITY BENEFITS) , , | r. 7B) ' ADDITIONAL LOADIHi* DUB TO INDUSTAT NON-OCCUFATIOMAL CROUP ACCIDSNT AND HEALTH INSURANCE AND GROUP HOSPITAL EXPENSE INSURANCE . TIm atalma exert premium* ter the industry ere ppno.hit It all the eaployees ot the oaployer ere to be eligible. Where only certetB occupational classes ere to be eligible ab oeeapAttoBAl distribution of All employees, mciimTiw thoee who ore net to be eligible, should be sutaittsd to the H.O. for proper rttlng of the cIasbos to be covered. * If a risk involves two or sore industries, on one or nore of which on extra is required, a composite rate will be ecm> puted by the Howe Office upon receipt of full facts in cluding a complete occupational analysis. Any rate quoted on the basis of an occupational classifica tion win ba subject to change If the anroilaant cares secured shew any material change in the occupational dis tribution of the enplcyeee. The pereeatiges mentioned herein are to be applied after adding the extra, if any is required, tor renal# and/or non-Caucasian benefits and not to the base rata for the plan sold. Breweries, wins aanufaeturert, wholesale liquor dealers and wine nerchants, and distilleries of ethyl or asthyl alcohol or of alcoholic beverages . . . . . . . 15* Felt hat factories.................... uwy.office Furriers............ .'........ ......... . Hot Metal industries, aasltlng and refining........ is* Lias, ceaent and gypsua (No Quarrying} ............is* Marble sad stone yards (Oranlte-- refer to Hobs Office).. is* If.cutting end polishing operations are an laportant part of the work, rotor to Hosa Office. Mines-- Lead and Zinc in JoplinDistrict...... Hone Office Mines-- All others........ 40* Quarries-- Oranlte.....................Bone' office Quarries-All Others....................... . Railroads.......................... Boas Office Railways, Electric and Street............. Office ................ ....... Hone office Shipbuilding.............................. 28* Tanneries................................ ... Textiles Boas Office Any and all operations Ironthereceipt of the raw nstorlal to and including spinning, weaving, knitting. braiding, bleaching, dyeing, end finishing of any product from cotton, wool, rayon, heap, jute, ellk and flax. Woodsmen and loggers.................... 2s* combined with other operations of s company whose prlnary business is not a hot natal lnhuetry, that $2* tor rating purposes be considered as engaged * industries. Foundry eaployees ere those engaged^ the occupations consonly designated is: ttaiiSiS!" ,!.Wsitors, Holders, Cupola Tenders and their _ Helpsre, foundry non, and Fowdry Foremen: roundry^Heipers and Laborers, including aaong others Shovolers0** 5towera l*cdisrs. Fig Breakers and Sand moving sng others, Grinders, ..**tsrs, Chlppers, Rattlere ae 8naggers. ^In f22<^22r2eeliS5tloa5.?5* tsalllsr to persons engaged SgtSSffI c2iingauTOlfflciaty 8h0ttM 18 ot,ta'~ 000t t i l 01 ' i K *1% |H V < ItI iqfUim *41 d i a iuja.i . n | 1*41 p.>|>i*iu,| , 1tfti r IM 9 OI* cu* lo p->op*J 0 I I I * 00011 jad anioajd toiui onoioio *41 0*41 jo SS K i OI 0 **1 ini| m i Mn I *j 1ii|<Io* *|**| ju J| fi jo HUI >) od|**j4 <|4|ooo loautqoMOta ja 4la ona|ttto M|bJ 4>I4* NIOVI *ll /<> - 0001* j < *41 o| W I* or o* !l` 1* ." 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