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in which each contribution was made.  The pilot with the salary in case 2(b)would get $496.13 if he died on October 1, 1948, $1,034. if he died on October 1, 1949 and so on as shown in table D.

The pilot who dies after about 45 averages progressively less under the A.L.P.A. because he leaves a smaller family and older children.  This is based on the railroad figures.  If pilots dying at 55 leave more children under 21 than pilots who at 40, and the larger number is not offset by the older age of the children, the average value of survivor benefits at 55 will be larger than at 40.  In this connection, the value of the widows' benefit which begins at 60 increases as the widow gets closer to 60.

The A.L.P.A. survivor benefit values are based on family responsibility -- the Eastern death payment is based on the decreased pilot's contributions.  On the average, the A.L.P.A. benefit is substantially larger.

Without knowledge of the age distribution of Eastern pilots -- or of their prior service, it is impossible to make an exact comparison of aggregate costs of the A.L.P.A. and Eastern plans.  But adding pilots and Company contributions together the A.L.P.A. Plan will not cost much if any more than the Eastern plan.  The pilots will pay less under the Eastern plan than under A.L.P.A.  The company will pay less under A.L.P.A. than under its own plan.  The total cost will probably not be very far apart, over a period of several years.  The A.L.P.A. Plan offers much larger average benefits.  How is this possible?

There are several reasons why this is possible. (1) Under the Eastern plan the Company has to put up money to pay all the prior