New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1917-10-15
Success of New Law De-
ponds on Liberty Loan,
He Says
Bond Sales Must
Furnish the Money
Soldiers and Sailors Con
tracts To Be Explained
at Conference
Is 4 Corr pondenrel

NcAdoo gave the second Liberty Loan
new and imperative Importance to-day
bv announcing the terms under when
insurance contracts will be made under
the new war Insurance law, which he
stated. is largely dependent for - sue
ccssful operation upon funds which
bond sales Of the eccond Liberty Loan
are expected to furnish.
The now insurance law Is applicable
70 the entire militarr ard naval estaD
liehment OF the United states. includ-
ing army. navy, marine corps, codS,.
Guard. naval reserves, nurses ana an
Others serving with the army and navy
Provision is made for family allow,
ances. for reeducation of wounded ana
cripples. and for compensation N case
of death or injury.
Plans for putting the contract INTO
! immediate operation VIII be taken up
/ Tuesday at tho first session Of the
! threc-day war insurance conference
which has been called by Secretary
McAdoo. A message rom Secretary
McAtoo will be read. and Acting See
rotary crosby will deliver an address
of welcome. Other speakers will m
clude Secretary Baker. Secretary
Daniels. Assistant Secretary OF the
/ Treasury Rowe. Samuel Gompers. pres
, ideut OF the American Federation OF
( Labor: Director De Lanoy, judge
/ Julian ". Mack and representatives, OF
/ Of the army and navy
Soldiers To he Represented
Committees 81 three representatives.
+ from each Of the thirty-two canton
/ ments. each 20 consist OF commits
q stoned officer. a n0u-cOmmissioned Of
/ ficcr and an enlisted man, nave beeh
I detailed TO attend the conference.
Twenty-Five representatives. from inc
various branches of the navy also VIII
attend In addition. any officer or en-
listed man from the army or navy Will
be welcome.
Il is the purpose Of the conference
10 e.ucidate the entire plan Of insur-
ance and to enable those IN attendance
properly TO explain ii when they are
f called on 10 aid i'm its execution.
The specimen contract made public
/ bv the Secretary is based on age %
and s. for $1,000. The premium IS 500
month. The insurance as payable IN
;nstalmcnts OF $3.50 per month IN
case Of death or total disability. In
this connection, the public is cautioned
in reading the contract 10 diHerenuate
between the premiums and the install
ments in which the insurance is pay
able. The table given for $1,000 pol
! lev begins with a monthly premium OF
/ sails nj the ages OF 10. is and II years,
increases to $500 month for the ages
OF IS. 10 and 20; 20 S3.25 month for
the ages of q, % and %; to $3.50 q
month for the ages % p and 20; TO
$3.50 a month for the ages OF % and
4 p; % $40 for the age OF 2S; 70 $40
q month for the ages OF % and 30; to
$3.50 month for the age Of 81, with
progressive increases for ages above
those given The minimum amount Of
insurance is 1000. the maximum Sl0,-
900. The monthly premium for SlO,-
/ 600 policy at age % is only $500.
Administration OF New Law
For the administration of the new
law there has been established in the
Bureau of War Risk Insurance diyi-
sion of marine and seamen's insurance
and a division Of military and naval
insurance. The new law applies to the
latter. Four kinds Of benefits are pro-
vided:
First-Aid to families.
Second Compensation for death OF
disability.
Third -Reeducation.
Fourth Insurance.
Aid to families is available only ia
enlisted men and to members Of train
ing camps. An enlisted man Is re-
CURED TO make an allotment out OF
bis nay for the support of his wife
and children. II any, and may make
such an allotment for the benefit OF
certain dependent relatives Of himself
or his wife.
The compulsory allotment TO VIE
or children shall not be less than ST.
and il shall not exceed oEe-half Of III.
& pay. A voluntary allotment, subjec
. 20 regulations. may he as large as The
insured desires within the limits o
his pay. In addition. the governmen
will pay monthly allowance ranging
Z from s. for one mothcriess child, o
o. Sl5 for wife without children, up q
a maximum Of $50. If the man make
an allotment 20 certain other depend
ent relatives the government will als'
: pay them an allowance which ma
20 equal the allotment but shall not b.
, more than the difference between So
and the allowance paid 10 the wife an,
70 children.
compensation Tor death or dlsaOli
, ity resulting from injuries or diseas
contracted in the line of duty apple
70 commissioned officers and army an
navy nurses as we'll as 20 the enli5te
> men Where injury or disease j
caused by wilful misconduct compeu
sation will not be paid
Increased Compensation
The increased compensation in cas-
Of death runs from minimum Of 50
monthly 20 a mothcrlcss child. or s.
, monthly to a childless widow, TO
maximum of SIS monthly to a wido,