Not even in associated effort can they always find security, however. One of the reasons now being given very often by immigrants seeking passage back to Europe is their feeling of uncertainty about their future here. They say that America is all right so long as a man is young and strong enough to do the hard work in the industries, but they cannot see what is in store for them as they grow older, for they cannot save enough to provide for themselves; in Europe, a little land and a cottage are assurance of the necessities for old age.
There are, of course, many cases in which there is failure within the group as there is neglect without. Exploitation of immigrants by their fellow countrymen, and the evils of fraudulent banks, steamship companies, "tally-men," are well known. At the same time there is a great mass of neighborly service and of kindness of the poor to the poor, and of the stranger to the more recent comer.
Benefit societies based either on neighborhood associations here or on village association in Europe, soon grow up. These are usually self-assessment societies, in which each member pays a small sum each month, often only 25 cents. Out of the funds thus raised, a sick benefit of from $3 to $5 a week is paid. On the death of a member an assessment of from 50 cents to $1 is laid on the surviving members, and the resulting sum is paid to the bereaved family, helping to meet the funeral expenses.
Such societies are not incorporated, their officers are usually without business training, and they are often unstable. They include, however, a considerable proportion of the more recent immigrants, who, through fear of falling into distress and dread of charity, are influenced to keep up the membership. In addition to the money benefit, these neighborhood societies often mean friendly interest and help in nursing, in the care of the children, and in household work. As the fees are low and as provision for the sick benefit seems very important, a person often belongs to several such societies.
Owing to the instability of these organizations the effort is often made to combine them and to establish them on a sound financial basis as national fraternal insurance societies. These societies substitute fraternal insurance for the sick and death benefit. As the immigrant family gains a foothold in the new community the members are likely to join a national fraternal insurance society or, in the second generation, an organization of the type of the Catholic Order of Foresters, Knights and Ladies of Security, Tribe of Ben Hur, or Woodmen of the World.
The national fraternal insurance society is, among the Slavs, highly organized. Often in one national group as many as three flourishing societies will be found, with membership determined by religious or political preferences. As they exist now, these societies are all much alike, differing in the elaborateness of their organization in accordance with the period covered by the immigration of the group or with the strength of its cohesion in America. Leaders who wish to communicate directly with the great body of their co-nationals in America, do so through the channels provided by these organizations.
As the group develops a feeling of confidence, the insurance function becomes less urgent. In fact, officers of the national societies predict that the societies will gradually abandon the field of insurance and develop along other lines. Many societies already admit a considerable number of uninsured persons, who join in order to share in other enterprises. It would be neither possible nor profitable to describe all the groups, but the organization of a Croatian society and the relation of women to certain societies in the Polish and Lithuanian groups will be briefly discussed.
NATIONAL CROATIAN ORGANIZATIONS
The strongest societies among the Croatians are the National Croatian Society of 50,000 members, and the Croatian League of Illinois of 39,000 members, sometimes called the "New Society," which in spite of its name is really a national organization.
The purpose of the National Croatian Society is set forth in its constitution: