| 1894 | 304 | 138 | 31 | 6.1
| 1895 | 212 | 147 | 41 | 7.8
| 1896 | 254 | 159 | 38 | 7.2
| 1897 | 240 | 160 | 40 | 6.3
| 1898 | 358 | 165 | 31 | 5.8
| 1899 | 403 | 211 | 34 | 5.7
| 1900 | 498 | 205 | 29 | 4.9
| 1901 | 507 | 231 | 31 | 5.1
| 1902 | 570 | 249 | 30 | 4.7
| 1903 | 788 | 305 | 27 | 4.6
| 1904 | 849 | 374 | 31 | 5.2
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[Footnote 38: Proceedings of the Seventh Biennial Convention, 1905
(Cleveland, n.d.); Report of Secretary-Treasurer, p. 124.]

The decrease in the ratio of disability to death claims paid is due
primarily to a stricter definition of disability and to better
administration. The number of disability claims paid per 1000 of
membership shows also, however, a slight decrease.

The records of the Trainmen which separate claims resulting from
accidents still farther emphasize the need for disability insurance.

DEATH AND DISABILITY CLAIMS IN BROTHERHOOD
OF TRAINMEN (1886-1904).
======================================================================
Kind of |Number |Number from|Percentage of|Percentage of|Percentage
Claims |from | Accidental| Claims from | Claims from | of Claims
|Natural| Causes | Natural | Accidental | from all