|Causes | | Causes | Causes. | Causes.
-----------+-------+-----------+-------------+-------------+----------
Disability.| 526 | 2,610 | 16.77 | 83.23 | 32-1/3
Death | 2,033 | 4,522 | 31. | 69. | 67-2/3
-----------+-------+-----------+-------------+-------------+----------
Total | 2,559 | 7,322 | 26-1/3 | 73-2/3 | 100
-----------+-------+-----------+-------------+-------------+----------

The data show the place disability insurance has occupied among the
Railway Trainmen during twenty years. For this period disability claims
for all causes were 32-1/3 per cent. of all claims paid. The percentage
of claims from accidental causes--including both disability and
death--was 73-2/3 of the whole number of claims paid, while the
percentage from natural causes was only 26-1/2. In other words, these
statistics show that the Trainmen's accidental disability and death
claims, as compared with those due to natural causes, have averaged
almost three claims paid as the result of accidental causes to one as
the result of natural causes.[39]

[Footnote 39: Proceedings of the Seventh Biennial Convention, 1905
(Cleveland, n.d.), pp. 65-66.]

The old-line companies do not offer the form of disability insurance
required by railway employees. These companies issue accident policies
against death and total or partial disability from accident while on
duty; but there are two defects in the form of this insurance. In the
first place, the definition of total disability adopted by the companies
is much stricter than that of the insurance departments of the railway
brotherhoods. A typical insurance company's definition of total
disability is incapacity for "prosecuting any and every kind of business