Pine Bluff daily graphic., 1917-08-30

lON tiliCt llpul lllt StNNi ll4Ilfui. NItll d , minimum, however. ot S13 monthly
 and a maximum of one-half pay. There 1 is scale of allowances determined 1 by the size of the dependant family,
 so that the family allowance ranges
 from S5 to $50, according to the mum
 Der of dependents.
 Secretary McAdaa Illustrates the
 working of the system in the follow
 ing example:
 "A private gets $33 a month for ser vice abroad If he has q wife and two 1 children he must allot to Chem at least 1 S15 out of his pay. The government supplements this by giving the family 1 an allowance of S32 50 This family's 1 minimum monthly income, therefore, 1 would be $47 30. The father can allot
 as much more as he pleascs. If there is another child, the government will allcw g. additional. If that man
 should have father or mother actual iv dependent upon him, he can secure an allotment of Sl0 q month from the government for the parent by allotins S3 more of his pay. Thus, the pri- vate with wife, three children. and a mother actually dependent upon him by giving s2G out of his $333 month.
 would get from the government $47.50
 a mop th-giving the family an income
 Of S67.50, and still leaving the man $13 per month for spending money. If there are moro children, or if there is also a dependent father, the govern ment would give up to $50 in all, over and above the mans own allotment '
 To instill thrift, to enable man to build up fund out of which he can pay the insurance premiums. and, above all, better to preserve equality and democracy among the members of our own forces and between them and the allies, provision is made enabling the war department and the navy de- paItmcnt, by regulation, to compel men who do not allot one-half of the pay to deposit so much of the half-pay as is not allotted, these de- posits to bear interest at pc: cent per annum, compounded semi-annual- ly.
 "The risk of disability CT death as
 to officers, men, and nurses while in
 active service as part of the military or naval forces of the United States is indemrified against by compensa- ton on the analogy of the workman's compensation act rather than through q pension system," continued the sec- retary.
 "If total disability results from per sonal injury suffered or disease con- tracted in the course of the service,
 the compensation, based on the per- centage of pay, but with minimum Of from $40 to $75 per month accord ing to the size of the family, may in crease for the higher officers to I maximum of $200 per month. 'Com- pensation IS not payable, however,
 while the officers receive retirement allowance
 Partial disabilities ere compensat- ed for or the basis Of percentages of the compensation for total disability, dependent upon the average impair ment of earning capacity resulting from such injuries in civil occupations Provision is made fer communication under regulations, but of part only of the compensation. Medical, surgi- cal, and hospital treatment, supplies and appliances are given"
 In addition to these compensations, rehabilitation and ree1ucation of the injured man are recognized as vital elements in the scheme. The bill does not attempt to cover the matter of mans and methods of. effecting this, since study of European experience With this problem is necessary. bus the principle is established in the bill, "lf death results from the injury or. disease incurred or contracted in the course of the service,' continues Sec retary McAddoo's statement, "com- pensation is paid to the widow, chil- dren, and dependent widowed moth CT. The amount, based upon percent age of pay, ranges from minimum, according to the size of the family, from $15 to $60 per month, to a maxi mum for the higher officers of S2OO per month.
 "Risk of noninsurability at ordinary rates is indemified against by the in- surance of government insurance, GOV e.ing total disability and death, to of- ficars. men, and army nurses, while in the active service as part of the mili- tary or naval forces, in the amount of $1,0O0 to $10,OOO.
 "'The excess cost due to the increas- ed mortality and disability risk should clearly be borne by the government. Tho cost of administering the insur- ance bureau for the benefit of the fighting men is also a proper govern mental charge. As the government will not have the other expenses incl dent to insurance, the premium rates to be charged by it are based upon the mortality experience tables of peace time without 'loading.' Loading com prises overhead charges, commissions to agents advertising, etc., and is a largo item in the premium charges of private companies"
 With these loading" expenses eliminated, Secretary McAdoo says an insurance costing during the war an average of $8 per $1 900 can be pro- vided, thus bringing even tho maxi mum of $10,000 insurance to only $s0