Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1917-08-11
i. S. INSURANCE

Continued from Pace One)
ing to the circumstances and number of
dependents
Liberal indemnities for partial and total
disability are included in the program
varying from $40 to SIS per month mini
mum up to $500 a month for higher off,
GERS. Insurance would be written by the
government on the lives of the men at a
rate of approximately IS per thousand in
sums of from $1,000 to $4,000 the premiums
payable in insta lments
Cost to Government
The cost to the government as esti-
mated by Secretary McAdoo would ap-
proXimate the following:
First Second
Year Year
Family allowances sl41. coo. 900 $3.50, eco COZ
Death indemnites 100000 100000
Compensation for to-
tai disability 5250,O0O 5.00o. 900
Compensation for par
tial disability 3,so,Wo 100000
/ n n c against
death and disabilit o3ooOono 11o 800 OO0
Totals s1761 900 $3.50. 800 00O
The total for the two years is thus
placed at $3.50, $50 co., which Mr. McAdoo
estimates at less than per cent. Of the
cost to the country of conducting the war.
In its general features the bill was APP
proved by the advisory committee of in
surance representatives summoned by
Secretary McAdoo to Washington July 2.
$1,000 In Case Of Death
They opposed, however" Mr. McAdoo
advised the President in letter made
public with the introduction of the bills,
the grant of any government insurance
over and above the compensation, on the
ground that the other provisions were lib
eral enough and might be made more lib
eral in ways suggested by them. They
favored, over and above compensation,
the payment by the government of $1,000
in each case Of death during service or
within five years after discharge Of SER
vice in lieu Of insurance"
Children up to IS years Of age-"or. If
incapable of pursuing substantially
gainful occupation because of mental or
physical infirmities. then without age
Imit''-and wives of men and officers
would be given family allowances within
the limits designated during the term of
service of the men insured. The amounts
would depend on the size of the family
the allotment made by the husband or
father out of his pay and other circum-
stances to be determined in each indi-
vidual case
other dependent relatives would be
given allowances only in case voluntary
allotments were made them out or the
pay Of the man insured.
Indemntes Would Vary
The bill does not attempt to cover the
methods to be pursued in re-educatlns
and rehabiltating injured men, Inc
amount of indemnities paid in cases Oh
partial disa biity would vary from time
to time. according to the altered clrcum-
stances Of the man insured.
"Assume that a man were totally
disabled l.y losing both legs and both
.r,,,s in battle" Mr.. MCAdoo wrote the
President by way of illustration. IN
der the compensation provisions OF
this bill. if he were a private and un-
married he would receive s4o per
month and if. as most probable ne
needed a nurse or attendant. up to Szo
additional.
IF he had a widowed mother de-
pendent on him for support, he "ouio
Get another 80 If he subsequent!
married his compensation would ne
Increased at once by SIS. If later on
he had children. the compensation
veu,d again he increased SO month
for each of the first two chlldrehs
nossible maximum of s105 month.
In addition to this month";! pay
ment he would be fitted with artlnclai
limbs ard have treatment HIS com
pensation or pension would NOT De al
fected by any increased earnings UT
thern,ore. if he wanted to set up as
a small storekeeper. under the COM
na,s,tion system he would be allow
| cd TO commute $50 a month OF his
compensat ton: this might give MIN
81 600 or more and still leave him pro-
! tected to some extent.
According to Circumstances
When disability results in death, de-
pendents would receive from slo 10
$50 month. the sum again being rat
cd according to the circumstances OF
the dependents. This feature OF the
nrogram is regardless of the insurance
which the man or officer may take II
he wishes. paying the premium there
I for himself
! All insurance Of this character. the
, bill provides, would be non-asslsnaoie
and free from the claims elmer Oh
49,, ;,s,,red or of the beneficiary 1t
would be limited to wife, children ana
o.ber specified kindred. A period OF
four months is provided for after the
massage of the act within which in
snrance may be applied for. and for
those who are totally disabled or die
before they have had an opportunity TO
| insure within the prescribed period OF
100 DAYS, insurance in the sum OF $4,000
| is deemed to have been applied for and
granted.
On the administrative side the bill
| provides for a division Of the gov
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