UAL and most majors have a furlough fund. At UAL it is for cobra so at least the furloughees can keep their insurance. You pass a resolution, the MEC puts it up for a membership vote, and viola....you have a furlough fund. The best part is, once passed by membership ratification, the assessment is just like monthly dues. If some deadbeat does not pay, you can bring charges that will result in termination of employment. Even the deadbeats pay when faced with that.