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Report of the Insurance Committee of the American Dental Association
ASSOCIATION ACTIVITIES REPORT OF THE INSURANCE COMMITTEE OF THE AMERICAN DENTAL ASSOCIATION S i n g e your Insurance Committee’s re port last year at Atlantic City, we have had 118 claims, totaling $242,085.31, bringing the grand total o f all those paid through this source to 789 claims for $1,809,639.60 as o f October 1, 1938. W e were advised by the Company that the claim experience has not been such as to justify a dividend this year, as was paid last year. Your Committee is pleased to announce, however, that the Company arranged to send out 136,000 letters (4 to each o f 34,000), the result of which has been the addition o f more than 1,075 new lives for a total o f over $3,000,000 o f new insurance. The drive covered the entire eligible membership, many o f whom were not aware o f this important benefit o f mem bership. Increasing the size o f the case will make for better claim experience, and larger dividends, and will be a great factor in the future stability o f the pro gram. We, o f your committee, after a care ful study o f the situation, are firmly con vinced that this campaign has placed our case, on a sound basis and will make pos sible the concentration in the future of solicitation among the new members and graduates. The Committee wants to express its deep regret at the loss by death o f one o f its most active members, Dr. U. G. Rickert. W e appreciate the cooperation and assistance we have received from the officers o f the Association during the past year and wish to assure the Board that
Jour. A.D.A., Vol. 26, February 1939
such cooperation is indeed a real en couragement to this Committee. A. D.
W eakley,
F red
A.
Chairman, Secretary
R ic h m o n d ,
SU PPLEM EN TARY R E P O R T The financial report o f this year’s ac tivities is as follows : Appropriation, $1,000.00 for the year Expenditures, $434.60 for the year Unexpended balance for the year $565.40 The past year has been the most satis fying o f the Committee’s activities. For over two years, we have been attempting to attract the eligible men in the A.D.A. to our plan o f insurance. These plans have consisted o f quite a little prepara tory correspondence, meetings with the insurance company, and testing out the efficacy o f having the chairman o f the Committee visit stat- meetings and finally the follow-up letters to the eligible members. In the above report, the fig ures mentioned are o f new applications, 1,075, October 24, 1939. The figures as o f January 1 are 1,629 applications since September 9. O f this number, 1,323 have been accepted, 137 cases are pending as to desirability and 169 have been de clined. These figures added to our former list o f policy holders, excluding deaths and lapses, make 7,254 policies in force ; which, from a business standpoint, is o f great importance, because the num ber o f contracts is over 1,000 more than are necessary to keep our contract in force with the Great West Insurance 284
285
Association Activities Company. W ith this large increase, to gether with our expectations o f new activities which will arise during 1939, we expect an increase over our present condition o f safety. In one o f the eastern states, a peculiar misapprehension as to membership rights in the American Dental Association has arisen. The chairman made two trips to this state to trace the origin o f the state ment that membership in the American Dental Association entitled one to insur ance. This interpretation o f the invita tion to participate in the American Den tal Association insurance is wrong. The American Dental Association and the In surance Committee in their writings and public statements have said that every member o f the American Dental Asso ciation in good standing is entitled to make application. The careless manner
in which applications for insurance were accepted in past years resulted in the accumulation o f a large number o f poor risks on which insurance could not be had anywhere. The Great West Insurance Company deserves a great deal o f credit for the analytical manner in which the applica tion is worded from an actuarial stand point, and we now reserve the right o f communicating with the applicant’ s physician when there is doubt as to physical fitness. The present policy amounts to about $19,000,000 in the total o f 7,254 policy holders, and the Committee wishes to as sure the membership that the welfare o f the policy holders and the condition of the company carrying the risks are a con stant responsibility. A. D. W e a k l e y , Chairman.
RESEARCH COMMISSION C E R T IFIE D IM PRESSIO N C O M P O U N D S (A.D.A. Specification No. 3) S a m p l e s o f all impression compounds certified to the Research Commission o f the American Dental Association by the various manufacturers were procured on the open market by the Research Commission and tested by the American Dental Association Research Associates at the National Bureau o f Standards. As of January 7, 1939, the following comC e r tifie d
pounds were found to comply with American Dental Association Specification No. 3. Certified compounds which did not comply are omitted from the list. Kerr No. 3 Impression Com pound was withdrawn from the list by the manufacturer for reasons other than failure to comply with the specification.
Im p r e s s io n C o m p o u n d s
Com pound Certified Dresch K err Black K err Perfection K err W hite M izzy-Low H eat M oyer S. S. W hite-Black-Tray
(A .D .A .
S p e c ific a tio n
N o. 3 )
M anufacturer or Distributor Lee S. Smith & Son M fg. Co. T h e Ransom and R andolph Co. >
J
Detroit Dental M fg . Co. M izzy, Inc. T he J. Bird M oyer Co. T h e S. S. W hite Dental M fg. Co.
Jour. A.D.A., Vol. 26, February 1939
such cooperation is indeed a real en couragement to this Committee. A. D.
W eakley,
F red
A.
Chairman, Secretary
R ic h m o n d ,
SU PPLEM EN TARY R E P O R T The financial report o f this year’s ac tivities is as follows : Appropriation, $1,000.00 for the year Expenditures, $434.60 for the year Unexpended balance for the year $565.40 The past year has been the most satis fying o f the Committee’s activities. For over two years, we have been attempting to attract the eligible men in the A.D.A. to our plan o f insurance. These plans have consisted o f quite a little prepara tory correspondence, meetings with the insurance company, and testing out the efficacy o f having the chairman o f the Committee visit stat- meetings and finally the follow-up letters to the eligible members. In the above report, the fig ures mentioned are o f new applications, 1,075, October 24, 1939. The figures as o f January 1 are 1,629 applications since September 9. O f this number, 1,323 have been accepted, 137 cases are pending as to desirability and 169 have been de clined. These figures added to our former list o f policy holders, excluding deaths and lapses, make 7,254 policies in force ; which, from a business standpoint, is o f great importance, because the num ber o f contracts is over 1,000 more than are necessary to keep our contract in force with the Great West Insurance 284
285
Association Activities Company. W ith this large increase, to gether with our expectations o f new activities which will arise during 1939, we expect an increase over our present condition o f safety. In one o f the eastern states, a peculiar misapprehension as to membership rights in the American Dental Association has arisen. The chairman made two trips to this state to trace the origin o f the state ment that membership in the American Dental Association entitled one to insur ance. This interpretation o f the invita tion to participate in the American Den tal Association insurance is wrong. The American Dental Association and the In surance Committee in their writings and public statements have said that every member o f the American Dental Asso ciation in good standing is entitled to make application. The careless manner
in which applications for insurance were accepted in past years resulted in the accumulation o f a large number o f poor risks on which insurance could not be had anywhere. The Great West Insurance Company deserves a great deal o f credit for the analytical manner in which the applica tion is worded from an actuarial stand point, and we now reserve the right o f communicating with the applicant’ s physician when there is doubt as to physical fitness. The present policy amounts to about $19,000,000 in the total o f 7,254 policy holders, and the Committee wishes to as sure the membership that the welfare o f the policy holders and the condition of the company carrying the risks are a con stant responsibility. A. D. W e a k l e y , Chairman.
RESEARCH COMMISSION C E R T IFIE D IM PRESSIO N C O M P O U N D S (A.D.A. Specification No. 3) S a m p l e s o f all impression compounds certified to the Research Commission o f the American Dental Association by the various manufacturers were procured on the open market by the Research Commission and tested by the American Dental Association Research Associates at the National Bureau o f Standards. As of January 7, 1939, the following comC e r tifie d
pounds were found to comply with American Dental Association Specification No. 3. Certified compounds which did not comply are omitted from the list. Kerr No. 3 Impression Com pound was withdrawn from the list by the manufacturer for reasons other than failure to comply with the specification.
Im p r e s s io n C o m p o u n d s
Com pound Certified Dresch K err Black K err Perfection K err W hite M izzy-Low H eat M oyer S. S. W hite-Black-Tray
(A .D .A .
S p e c ific a tio n
N o. 3 )
M anufacturer or Distributor Lee S. Smith & Son M fg. Co. T h e Ransom and R andolph Co. >
J
Detroit Dental M fg . Co. M izzy, Inc. T he J. Bird M oyer Co. T h e S. S. W hite Dental M fg. Co.